Always save for "a rainy day" but don't live like every day you're going to have it's gonna be a "rainy one". Sometimes my financial anxiety wouldn't allow me to spend on anything for myself
That once I had paid off debt, I needed another goal. I was so driven and motivated to pay off debt, that after I had done so, I felt empty. "Now what??" And I spent a crap ton of money to be in debt again to have something to "motivate me". 🤦♀️ Being debt free is good, but I had no direction after paying off debt.
Thank you Zoe. I needed to hear this. As a 39 yr old who started on her debt free journey a year and a half ago it’s hard not look at the accomplishments of others and not feel like I haven’t gained anything, but I have to constantly remind myself that their journey is not my journey. So thanks for the reminder.
hii im so glad it was helpful!! the advice to “stay in your lane” is really overdone (and sometimes rude lol) but i think it can apply so well to our financial journeys. we are on our path, doing the best we can and that is something so be so proud of!
Prioritizing friends was honestly by hardest goal/obstacle/hurdle for when i had to pay off my debt. Cuz hanging with the wrong people really does set you months back and I HATED that because i used to be yes man and a people pleaser.
Such good advice Zoe 👏 it's always easy to compare ourselves and make ourselves look like the victim, but with hard work and dedication what we want will happen for us as well ❤ I'm sending positive energy to anyone who is financially struggling right now. It's easy to feel like you're alone but let's not forget that everything we see online is not always the reality (super rich people, brand new cars, unlimited luxury items, huge houses etc)
Zoe, this is an excellent video. I especially loved everything you said about envy. When I was younger, I was also stuck in a loop of feeling immense resentment towards my circumstances-everywhere I looked I would see reflections of lives I was deeply envious of not having. It is this lack of accountability for our own lives that keeps us stuck in such miserable states. While there are certainly conversations around privilege that require more nuance than saying just be thankful, gratitude is such an amazing gift anyone can give themselves. Envy really is the thief of joy. The sooner we realize that the sooner we'll be able to look at our lives with fresh eyes and see that there is so much we still have to live for! It is so much easier to blame our personal circumstances for the big bad feelings and far more difficult to actually do the inner work of accepting that we are dealt the cards we are dealt, and there's really not much we can do about that.
I needed that harsh reminder, Zoe! I come from an area where most of my peers did not take on student debt and immediately got high paying jobs. I've struggled with envy as I took on more student debt to move to a higher paying career and am struggling to afford moving out of my parents'. I feel very resentful at times but this reminded me to count my blessings and stick to my OWN journey and have agency!
Zoe! Your videos are exactly what I need in this season of life I'm in. This was the pep talk I needed to keep going and to focus on how far I've already come. This video is getting me excited for whats on the other side once all the debt is gone, and more importantly the peace of mind I'm going to feel
I have never been in debt in my whole life, not a single interest paid (ever), I'm slowly reaching 50k€ on HYSA and a bit in stocks as well, slowly saving to buy a flat in a few years (no need for a house), and I'm pretty much saving 70-75% of anything I earn. That being said, I'm solely relying on one income (main job), I should probably get a side hustle or two, that's my goal for 2024. I'm just afraid it'll go berserk and make me lose money somehow...
Hi Zoey. I’m proud that you were able to repay all your debt. That’s my main struggle and goal in addition to settling down and having a marriage and family. Any tips on how to manage debt if currently supporting my immediate family of 5?
I probably missed it, but did you save for your emergency fund first? If so, did you save small emergency fund? Or did you focus on paying down all of your debt first?
What is the best lesson you've learned along your money journey?
Always save for "a rainy day" but don't live like every day you're going to have it's gonna be a "rainy one". Sometimes my financial anxiety wouldn't allow me to spend on anything for myself
Track your spending with online banking ,write down how much you have saved with pen and paper regularly and live below your means
That once I had paid off debt, I needed another goal. I was so driven and motivated to pay off debt, that after I had done so, I felt empty. "Now what??" And I spent a crap ton of money to be in debt again to have something to "motivate me". 🤦♀️ Being debt free is good, but I had no direction after paying off debt.
@@MichelleMonstera super interesting!! i can definitely relate, i lost a lot of financial motivation when i paid off my student loans
I paid off $25k off of my $55k student loan in 3 years! Almost halfway there
thats INSANE!!!! amazing work 😍😍
@Carrie, it's been 9 months since your comment.... what's the debt status?
I'm also paying off aggressively! Should be debt free by July 2025
I am debt free since october 🎉 I had 16.350€ totally bad debt. I am so proud of myself. Now my emergency fund grows
congratulations!!!! amazing work ✨🥰
Yayyy!!!! Congrats to you!!! ❤
@traybernI mean debt, Not dept. Sorry my bad
@traybernWhy so angry? English is Not my native language but I Do my Best
Consultations!!!!!!
Thank you Zoe. I needed to hear this. As a 39 yr old who started on her debt free journey a year and a half ago it’s hard not look at the accomplishments of others and not feel like I haven’t gained anything, but I have to constantly remind myself that their journey is not my journey. So thanks for the reminder.
hii im so glad it was helpful!! the advice to “stay in your lane” is really overdone (and sometimes rude lol) but i think it can apply so well to our financial journeys. we are on our path, doing the best we can and that is something so be so proud of!
@@ZoePritchard❤
Prioritizing friends was honestly by hardest goal/obstacle/hurdle for when i had to pay off my debt. Cuz hanging with the wrong people really does set you months back and I HATED that because i used to be yes man and a people pleaser.
First! Love your videos Zoe! I paid off my $2,000 credit card this month and have an Emergency fund now. Thank you for all of your advice!
wonderful!!! so happy for you 🩷
The lesson i learned is to always prepare for the unexpected like a flat tire
so true!!!
Such good advice Zoe 👏 it's always easy to compare ourselves and make ourselves look like the victim, but with hard work and dedication what we want will happen for us as well ❤ I'm sending positive energy to anyone who is financially struggling right now. It's easy to feel like you're alone but let's not forget that everything we see online is not always the reality (super rich people, brand new cars, unlimited luxury items, huge houses etc)
so agree!! thank you for sharing your thoughts 🩷
Love that you quoted J. Cole ❤
Zoe, this is an excellent video. I especially loved everything you said about envy. When I was younger, I was also stuck in a loop of feeling immense resentment towards my circumstances-everywhere I looked I would see reflections of lives I was deeply envious of not having. It is this lack of accountability for our own lives that keeps us stuck in such miserable states. While there are certainly conversations around privilege that require more nuance than saying just be thankful, gratitude is such an amazing gift anyone can give themselves.
Envy really is the thief of joy. The sooner we realize that the sooner we'll be able to look at our lives with fresh eyes and see that there is so much we still have to live for! It is so much easier to blame our personal circumstances for the big bad feelings and far more difficult to actually do the inner work of accepting that we are dealt the cards we are dealt, and there's really not much we can do about that.
this is so beautiful and well said 🩷 thank you!!
Car loans are bad debt. They are a depreciating asset and often the interest rates are medium-high.
i agree but not everyone does lol 😂
Thank you Zoe!.. I’m starting my long journey to pay off 13k on credit cards!.. never do that again!!
Thank for this video. I see a lot of myself in you and vice versa. I have a similar issue with completing and then of course with some debt now.
I needed that harsh reminder, Zoe! I come from an area where most of my peers did not take on student debt and immediately got high paying jobs. I've struggled with envy as I took on more student debt to move to a higher paying career and am struggling to afford moving out of my parents'. I feel very resentful at times but this reminded me to count my blessings and stick to my OWN journey and have agency!
Zoe! Your videos are exactly what I need in this season of life I'm in. This was the pep talk I needed to keep going and to focus on how far I've already come. This video is getting me excited for whats on the other side once all the debt is gone, and more importantly the peace of mind I'm going to feel
amazing!!! im so proud of you 🥰🥰
@17:00 my family always says “all money adds up!”
its so true!!
These videos are so incredibly helpful on my debt free journey! Thank you, Zoe!
I have never been in debt in my whole life, not a single interest paid (ever), I'm slowly reaching 50k€ on HYSA and a bit in stocks as well, slowly saving to buy a flat in a few years (no need for a house), and I'm pretty much saving 70-75% of anything I earn.
That being said, I'm solely relying on one income (main job), I should probably get a side hustle or two, that's my goal for 2024. I'm just afraid it'll go berserk and make me lose money somehow...
Hi Zoey. I’m proud that you were able to repay all your debt. That’s my main struggle and goal in addition to settling down and having a marriage and family. Any tips on how to manage debt if currently supporting my immediate family of 5?
youve truly come so far!!!
I feel similar to you but my goals not getting completed have more to do with lack of consistency. I need to make consistency a priority.
same!! i stuggle with this as well…
I really felt that @13:00 and you couldn't be more right!!
🥰🥰
Loved this video! Thank you…i needed to hear this today💖🙏🏻🇨🇦
thank you for watching 🩷🩷
Wow, thank you so much Zoe! It’s so refreshing to hear from someone who isn’t scared of being transparent. This video literally made my day 🤍🤍
You’re amazing! Thank you ❤
I probably missed it, but did you save for your emergency fund first? If so, did you save small emergency fund? Or did you focus on paying down all of your debt first?
i did both simultaneously but my debt was more important to me! so i put more effort into paying down the debt
Thanks Zoe.
thank you for watching!!
I love this video.
Great video
Hi. I'm in Québec.
Awesome
What kind of macbook do you have?
i have the air from about 2 years ago!
Buy what you need , not what you want
i sell clothes on vinted, earned 1500$ in a year and more room in my closet 🤪 plus i find it fun
i loooove this!!
💖
🩷🩷
Hello from Montreal
💖💖
Where your priorities go, the results will show 🥳🎉🫶🏼
yesssss that’s it!