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Комментарии : 199

@LearnwithLoriJill Год назад

I've been doing this now a little over a month. I'm so thankful for finding you. I'm in commission sales, so it was a little more challenging to figure out. I have to stay on top of all my bills on daily basis, but I'm already feeling so much less stressed. I'm no longer figuring out how to afford CC minimum payments plus pay all the bills. I'm using your velocity banking to pay my bills and am blown away at how I see this working for me. 👏

@VanntasticFinances Год назад

Wonderful!!

@MarkChandler-fb1fm Год назад

Hi, Christy shows the total month income, how does it work if you are making weekly paycheck deposits? Thanks

@buscandoelexito2022 Год назад

Christy is the best explaining velocity banking.....

@johnpistilli4087 Год назад

Great point at the 10 minute mark. After 6 months he will see a big change in his finances. And then the snowball affect will kick in. Debt will start dropping off & he’ll really start to see the light at the end of the tunnel

@barbaracarbone4658 Год назад

Truly amazing. I love seeing these examples. I'm in month #2 of my own Velocity banking and it's working! 😄

@VanntasticFinances Год назад

So excited for you!

@jaymanwitt Год назад

Thanks to seeing your videos, I applied for and got approved for a line of credit this week so I can begin my velocity banking journey.

@VanntasticFinances Год назад

So excited for you!

@fearisasnare8468 Год назад

Thank you Christy! We appreciate all your efforts to help others to see there’s hope with their finances.🥰

@kevinkeys3578 Год назад

A gift from God you are!!!!! Have been a "dumb" petroleum engineer all my life (i.e., my monthly income into my checking account and then write checks to pay monthly bills!, etc. Rinse & Repeat!!!) Now, have tested & tested & tested Velocity! Numbers & Excel spreadsheets DO NOT fib! Thank you!

@jaywand3395 Год назад

Thank you, eyes are wide open on this one. Thank you!!!

@jeneenharmon9741 Год назад

This is I think one of my favorite white board demonstrations! It’s absolutely incredible that most people like myself were not aware of this way of becoming debt free! I signed up for Fetch and I’m loving that tip to earn Amazon gift cards so I can use them at Christmas to buy gifts. You are such a gift to us Christy!!! THANK YOU ❤

@ComdrStew Год назад

Wow! that is insane amount of debt. Actually the blue looks good on the video. It pops off the board better.

@imeverywoman8747 Год назад

First, I want to say, "Bless you Kristy...you have blessed my life with your videos, and in return, I am blessing others. You can pay a loan with a credit card. My mortgage and car payments are through my credit union. I was able to do a balance transfer from my Bank of America Mastercard, and pay half of my car loan off. The balance transfer was 0% for 24 months with a 2% transfer fee. So, I have started the velocity banking method to pay off the mastercard...using your methods, I will lay off $10k in 4 months. ❤🎉

@magicgirl77 Год назад

Yay! We just got approved for a $20k at 9.25%. I have only been watching you for 3 weeks looking for a better way, found you and have been running my #'s and now I need to know where do I start? Can you help? You are Vantastic! #thankyou #grateful

@notmeee7302 Год назад

Know your income, know the total of all your expenses, and know your debt with your monthly payments. And then just copy what she did on the whiteboard. Write it down on a piece of paper Don't forget to add back your monthly payments into your income once you pay off/ roll it into your credit card.

@vintageleaf4115 Год назад

I actually like the blue best of all... easier to see.

@drel9765 Год назад

Thanks for taking the time to show how the numbers work! Although I understand it I appreciate seeing real life examples!

@_bazzmuhammad Год назад

Thanks, Christy! You rock 😀

@louiseyvette2261 Год назад

Thanks Christy! From Australia

@sandramckinley8929 Год назад

I just started applying this idea to my debts. I am excited to see progress!

@VanntasticFinances Год назад

I’m excited for you!

@vidamenne-thorpe3627 Год назад

Love 💗 that you explained why you changed ink color 😅 Thank you so much for your detailed explanations!!

@VanntasticFinances Год назад

😂 thanks for watching!

@sweet_gg9343 Год назад

Wow, thank you for this video, I have very little debt due to low income. However I need a newer car and will try this velocity banking for sure 😊😊

@Jesus-kt5dc Год назад

Before you get the car, get a PLOC. Have a great day.

@patriciafernandez3429 11 месяцев назад

Wow that was amazing But my head is spinning I would need a 1 on 1 session

@darrylscott740 Год назад

You are such a beautiful soul, who keeps reiterating that you don’t have to pay them! The Lord Good Lord has Blessed you and He will surly Bless you even the more!🙏🏾💯🔥

@goinsvirginia 3 месяца назад

Thanks Christie I am very encouraged I am in great shape Budgeting our money has helped alot.

@justtalk6711 8 месяцев назад

You are a gem on RU-vid. I am so thankful I ran across you

@salishsilver8421 Год назад

Wow!! I'm so thankful to have found you!! I have 10k in debt and after watching your miracle work, I feel sooo much more hopeful that I can do this and pay down my credit card debt! Thank you again for being amazing and sharing your amazing strategy!! New subscriber here!!

@becca34746 Год назад

I’ve been watching these videos and slowly following the steps… it works!

@VanntasticFinances Год назад

🙌🏼🙌🏼🙌🏼

@micavawilliams6461 Год назад

Thank you so much. You are an excellent Teacher!!!

@briancarman4066 Год назад

you are a great help have been following you for 4 months

@jenniferw5095 Год назад

Thank you for helping people. My situation is not complicated and I have pit Velocity banking to work.

@VanntasticFinances Год назад

❤️

@amymcneill3496 Год назад

You are awesome!! Snd you are saving lives!!❤

@alissaroby7708 10 месяцев назад

❤ Thank you so much. God is really using you. I need your help desperatly.

@VanntasticFinances 10 месяцев назад

Thank you for watching! Go to my website for services!

@stevemiller8952 Год назад

May God Bless You ABUNDANTLY For The Videos You Are Putting Out FREE. You are using the talents God gave you to do this. Again God Bless You, Steve Miller

@porterhouse7260 Год назад

And Boom goes the Dynamite!

@shyshy808 Год назад

God bless you. I love your videos and I can’t wait to start my velocity banking in a few months.

@VanntasticFinances Год назад

Excited for you!

@DTurk 10 месяцев назад

Appreciate these board's on any example

@Endeavor545 Год назад

I can see the blue color better than the other two colors…maybe it’s just me😂

@Jesus-kt5dc Год назад

I second the motion. 🤣

@lawron2 4 месяца назад

😅

@t3134 11 месяцев назад

Greatly appreciate your content! I am eagerly awaiting a video on how you might recommend using these towards student loans. Your advice on that would be an answered prayer for many of us.

@Bamapride1985 Год назад

The months you are still paying the minimum fees on the outstanding so those balances are actually gonna be lower by the time it takes multiple months to get that payment also so with that and you adding the 5% fee, it should be even quicker payoff but does help to offset any unexpected expenses along the way

@regdesousa9763 Год назад

I am feeling pretty dumb because I can’t figure this out !!

@eleanormassaro5195 11 месяцев назад

Don’t feel bad. Every time I think I understand some points of this, then I get confused all over again!🤷‍♀️😂

@mgm3643 Год назад

I am new here I am learning I will keep listening thank you

@orchidgirl05 Год назад

Thank you !!!

@TheBudgetLady133 Год назад

Wow this is amazing!!!

@TheProCut17 Год назад

thanks for sharing your knowledge

@desireejenkins9975 Год назад

Wow love ur videos.great strategy

@TheFlier129 Год назад

What if there aren't any offers to transfer balances to any of your open credit cards? Are you able to do an example when credit-cards don't offer balance transfers and you have a low cash-low amount?

@PattersonArtStudio Год назад

Awesome!❤

@kerrytakashi12 Год назад

The one thing looming is if the credit card has limits reset. And if that happens, you are left with no cashflow because it is tied up in the card. A card that won't let you revolve and juggle payments because it is frozen. Also I've looked into a few financial companies, NONE Of them want to offer POC or HELOC. At a certain point, it is just easier to keep paying as much as one can on one card and chip away.

@YouAREyoubeYou 3 месяца назад

Why would a bank freeze your card? I don’t get what you are saying. I have 8 large limit cc and this hasn’t happened to me.

@kerrytakashi12 3 месяца назад

@@YouAREyoubeYou It depends on their criteria. You could be fine. Or they will reset your limit to an amount lower than you owe and freeze the account. Then you will just get a bill along with jacked up fees.

@idalmycastro5323 Год назад

Hi Christy. I believe this video is the most close to my situation. Of course, my income is 3000.00 less, but even though I am going to try to work this out this way. I will keep you updated, but it would be great if you explain 2 o 3 more cases like this one. I believe most of the people are in this situation, and they have 8 o 9 credits cards full. Thanks again, and God bless you .❤

@micavawilliams6461 Год назад

Thanks!

@VanntasticFinances 11 месяцев назад

Thank you precious person!!!

@jerrywagner2317 Год назад

That is awesome

@thewealthgapcloser7430 Год назад

These videos are great and I love them! I’ve been binge watching since finding your channel! QUESTION: would you recommend paying rents on the credit card monthly if they charge me 2.5-3% for each transaction? Similarly, are you adding in the fees that utilities and other bills charge for using a credit card? Thanks so much in advance!

@VanntasticFinances Год назад

If you’re using a cash rewards credit card it may benefit to use credit card for all mentioned. IF you’re getting cash rewards 😁

@danielledantzler6373 Месяц назад

Best part she did not take into account minimum monthly payments so those payoff points won’t be as bad cause… 6 months of minimum payments make a small difference but a difference

@Stone988 Год назад

I love these videos, just need to know how I can do this with out any line of credit or using credit cards. Thanks

@cys1964 Год назад

I don't think that's possible.

@Jesus-kt5dc Год назад

No. Velocity Banking requires 3 things, debt, LOC, cashflow.

@Will2FlyHigh Год назад

This doesn't make sense. No reason to pay 5% fees to move balances from one credit card to another. He has the cash flow, so just pay off the other credit card dierctly. None of this is rocket science, and it's way overcomplicates things. He has the cash flow, so just pay down the cards one by one.

@STOPTRUMPPROJECT2025 Год назад

I don't understand that either.

@dianaboos5602 Год назад

@@STOPTRUMPPROJECT2025 Smoke and mirrors. Takes advantage of people that really don't have a good financial ground to stand on. Follow Dave Ramsey, he is much smarter than this person.

@Dimeintharuff72 Год назад

Can you do a video on how to do chunk payments? I have a high interest card to payoff but I don't want to put all my income in the cc and they close the account or decrease my limit.

@SamIAmJam Год назад

That’s how my bills are looking.

@shannonmcfadden6209 Год назад

Can you do an example where the pay is weekly instead of monthlh?

@spike238 Год назад

$44,833 total credit card debt , @ 18% interest , $4,110.29 per month is needed to payoff the balance in 1 year. The total interest is $4,490.47. , Tax should be calculated separately ,,, your welcome ,

@Melissa-fu2vk 11 месяцев назад

What about when you have multiple credit cards, no loans, and no cash flow?

@VRachelPhoto Год назад

My question is how would we transfer over every auto debit that we have for expenses during the month to a credit card? Example subscriptions, water bill, phone bill, and all the other credit card bills that come out of my bank account every time we pay off that card we have to switch it over again that’s a lot of switching of auto pays!?

@jeremygroff6895 11 месяцев назад

Any recommendations for where to get a Heloc if your credit score is fair but your equity is excellent?

@philipwells720 7 месяцев назад

Can you please explain how you choose the order that you pay off the debts?

@jeremygroff6895 11 месяцев назад

Any recommendations for a place to get a Heloc when your credit score is fair but your equity is high?

@ebonywinn50 7 месяцев назад

I don’t have much cash flow after my expenses but that also includes savings for emergency funds and investing. Should we halt saving to have more “cash flow” to throw at the loans?

@user-mx8se3cl3e Год назад

When you ducted the car loan do you show it coming from the credit card? I am trying focus really hard.

@douglasriche78 Год назад

I was just approved for $20,000 credit card from Navyfed APR 18%. I really want to do this. I have watched so many of your videos. I get the process, I am just stuck on what to start with.

@Jesus-kt5dc Год назад

Write all your debts (loans and lines with balance) in order from highest minimum payment to lowest minimum payment. You start by attacking the highest minimum monthly payment to give you the largest cashflow boost. You then park your income in the credit card. Just a heads up, navy fed only allows for 30% liquidation of the credit limit. In your case 6K. Good luck, have a great day.

@jenniferabbott976 Год назад

I’d like to add on to what was already stated that Christy has repeatedly stated in her videos that you should leave “room” on your line of credit for emergencies or any additional expenses that may come up. I do believe she suggested 20-25% of open credit. So, if you are going to do a balance transfer of your debts, you should leave the 20-25% open and leave enough space on the card to put your monthly expenses plus interest. Ex: 20k credit-20-25% open would be approximately $5k, leaving $15k to work with. If your monthly expense were say $4k, you could do a balance transfer of approximately $9-10k from debt and have approximately $4-5k for you monthly expense plus interest to go on the card. And because you are paying the amount you normally would pay for your debt payments plus your cash flow onto the line of credit, it’s essentially freeing up that same amount in the next month to pay those minimum debt payments of your expenses again. I hope I explained this correctly and this makes sense.😊

@ricreed8423 9 месяцев назад

How do you go about paying the other credit card payments? Can’t make a monthly payment with a credit card can you?

@rickgasbarro9435 Год назад

Christy, I want to know if there is a certain order you use when deciding what bill to pay next, there didn’t seem to be an order to follow as you bounced through the list. Thank you Rick

@eleanormassaro5195 11 месяцев назад

I think she started with the credit card with the highest balance

@jefdby Год назад

so you're doing balance transfers to that one credit card from all the other cards? HOw did you do the car loan? You couldn't put that on the card? Did you just pay that off from the account?

@InJusticeAustralia Год назад

can you please explain why mortgages and car payments can’t be paid through a credit card??

@michaelcraig9227 Год назад

Thanks for all you do. I do have a question. I don’t see the monthly payment to the IRS which on an IRS installment agreement would be about $250. That might extend the payout by a few months.

@VanntasticFinances Год назад

He didn’t have an agreement effective at the time.

@aimeedelephimne5663 Год назад

I was concerned about that too. 33 year IRS employee here. If he waits to address that $16k until several months down the road (as per the whiteboard), his tax debt will accelerate to collection status. This will increase the percentage rate at which his late payment penalty accrues, and his bank account may be subject to a levy. TBH, it's in his best interest to enter into an installment agreement ASAP and make the minimum IA payments out of cash flow until he can throw the remaining balance on a credit card.

@SamIAmJam Год назад

What do you have to do to start teaching this process

@earlsmalls Год назад

This is what I'm doing. I have a PLOC that I paid my three credit cards with. Every week I'm going to deposit my income into the line of credit. I'm going to use a separate credit card to pay all my expenses for the month. When the bill is due on on the credit card I have the expenses on, I'll take the money from the PLOC where I have my income and pay off the entire credit card. By doing it this way the balance on my PLOC never goes up during the month because I'm paying my expenses on a separate credit card, so my income transfer keeps the balance down for an entire month without it going up little by little because im not pulling money out of the PLOC to pay expenses. I'm doing that at when the bill is due on the credit card Im using for expenses . Hope this makes sense.

@Jesus-kt5dc Год назад

Absolutely, the exact system I use. With one exception. I have all my rewards card due on the 28, I pay my expenses from them (multiple) because all except my oldest credit cards give me 5% cash back. I make 40 to 50 dollars a month. Which I then pay with my no fee cash advance credit card that's due on the 15. So I never pay interest and get rewards. Have a great day and good for you on upgrading your skills playing velocity banking.

@earlsmalls Год назад

@@Jesus-kt5dc thank you and you just reminded me that the credit card I'm using for my expenses has cash back rewards. I can use that as a statement credit.

@Jesus-kt5dc Год назад

@@earlsmallsYou sure can.

@truthistheKJV Год назад

Could you do a video paying off a mortgage using velocity by taking sizable chunks like $10k at a time vs larger chunks like 50k or more at a time using a heloc or ploc? Is there a significant time time difference in paying off the mortgage by using the smaller chunks?

@cys1964 Год назад

She has a video explaining exactly that. You might have search a bit to find it.

@Jesus-kt5dc Год назад

Chunk payment is (monthly cashflow x 12) and no more than 2/3 of the line limit. Have a great day.

@mariayelruh Год назад

Once you get your cash flow up, would it make sense to pay off some of the smaller charges directly instead of transferring them? I realize that for some people need simplicity.

@jefdby Год назад

yes it seems like it

@notmeee7302 Год назад

By putting them on your credit card, a couple things happen, you get any credit card rewards for them, it helps with their credit score to increase, and it helps with your utilization if You're still looking at that. And in effect, you are paying them off directly when their turn comes up. By chunking down big payments on your credit card, the 'cash back' rewards can add up big time and that goes right back on the credit card as a payment. Make sure you're using a credit card that gives you cash back rewards!

@conniec1678 11 месяцев назад

Please explain the transfer process to pay off the credit cards. Do u transfer money from the credit card to the bank to pay off another credit card or do u call the credit card company to transfer funds to the other credit card your paying it off ?

@steveaylor376 10 месяцев назад

Yes I’d like a clarification on this as well

@stevenjames7667 Месяц назад

We are needing money and want to know if Unlock HAE is a good place to start?

@fisherlady408 Год назад

Kristy. I don't work anymore due to disabled husband. He gives me money each month for me to pay bills etc. Can this be counted as income?

@sustainablelife1st Год назад

I'm doing your system. But in my case, even if I put 100%of my check to credit, even with zero expenses, it would still take me over 3 years to get debt free. I've run my numbers, and it will take me about 20years using velocity even with no new purchases. (Lost my job was unable to work for 6 years due to health but not eligible for disability, so debt piled up). Doing the balance transfer method. Sometimes they pull the offer for a while (discover, Citi, boa). But bt's have been my salvation.

@marcelagarigen8816 Год назад

Thanks for your videos. I’m debt free, what should I do now?

@romang9629 Год назад

Build wealth and give!

@Jesus-kt5dc Год назад

Infinite Banking and continue to get LOC so you're not dependent on 1 financial institution for your LOC. Have a great day.

@fasttimes1968 Год назад

Seems way more complicated than it needs to be. 1790 cash flow per month will start paying debts off pretty fast, without all this complexity. The cash flow is the reason the debt is being reduced.

@VanntasticFinances Год назад

Thanks for stating the obvious! The difference is with using a line of credit. He still has access to his cash flow. Thanks for watching!

@earlsmalls Год назад

@@VanntasticFinancesthis point so many don't get.... Keeping access to your cash flow vs using the cash flow to pay extra and it's gone.

@Jesus-kt5dc Год назад

I might be able to help. A LOC has a couple functions. 1) It allows you to purchase higher interest debt with lower interest debt. Which is why principal payments at the beginning of a loan (amortized), specially a mortgage, are a blood bath to financial institutions. 2) The line allows you to attack debt with income, not cashflow. Why? Because you can reuse the dollars parked in the line. Unlike the old method where once paid, they're most likely gone. So in this example look at the difference between income as your attack amount, compared to cashflow being your attack amount. 3) When you pay extra with your cashflow on debts the money is gone. As opposed to parking your cashflow in the LOC saving interest by pushing down the ADB. Also as you pay down the balance by parking your cashflow in the line you are increasing your emergency fund. The parking of the cashflow allows you to earn interest to use as emergency fund, christmas fund, vacation fund, anything that comes up. Which you then attack with income parking. Hopefully this made sense, have a great day.

@psharpe730 Год назад

I have one question, did make a payment to all of the cards, etc on the left? Each one has a monthly payment and the total didn’t go down as if there wasn’t any payments made to them. I like the strategy but need that question answered.

@steveaylor376 10 месяцев назад

Yes ... min payments till it’s time to pay that card off in full

@tx2ga Год назад

Does anyone have experience with a company called Figure for a HELOC? We’ve got a pre-approved offer.

@AA-rz1wr Месяц назад

so is Cash flow figured into any of this? What does she recommend you do with the cash flow? Thanks

@queeni9ja Год назад

Can you get negatively affected by the increased utilization on your credit cards with VB?

@Jesus-kt5dc Год назад

Yes, if your doing a principal/chunk payment because your increasing balance on the line. As you begin paying down the line your credit increases rather fast because you're placing your income in the line. Have a great day.

@dajoremarks9137 Год назад

This my question Christy & I'm sure this is from not watching enough videos yet. But while paying these things off do we have money to spend in between

@Jesus-kt5dc Год назад

Of course, that's one of the beauties of VB. You're paying your debts so fast that you get to enjoy some luxuries. You can take a vacation if you want. Always keeping an eye on your cashflow. No beans and rice diet living required. Have a great day.

@MilesandMoneyMatters Год назад

Hello, I am not following the math. His income is $7,100 but only $3,467 went in to reduce the $10,400 credit card balance! Why not $7,100. Thanks

@JH-hc5dv 9 месяцев назад

I thought you could not pay car notes with a credit card?

@KitKat10281 10 месяцев назад

If you can't pay a car with credit card, how did you pay off his car?

@williambowen7365 Месяц назад

How was the car payment loan paid off?

@tyger7611 Год назад

Is it possible to pay store credit cards, such as Best Buy, with a Capital One credit card?

@Jesus-kt5dc Год назад

No. You can do a balanced transfer with a convenience/access check.

@avonsergeant3577 7 месяцев назад

what is that first amount of $3467 that was subtracted from the $10400.00?

@ChristineGodbee Месяц назад

Maybe I missed something, but where is that extra money coming from to pay off the smaller cc and the car? It looked like the amount of the payment didn’t decrease, so I’m wondering how this works.

@franceswashington6178 Год назад

I thought you couldn’t pay a credit card bill with a credit card.

@alisatjaden3906 Год назад

Balance transfer for cc to cc

@greecemonkey1313 Год назад

How do we make payments to companies that wont except CC payments

@greecemonkey1313 Год назад

Thank for all of you information ....

@FrugalLivingLifestyle Год назад

how about making a video on income less then 2,700 month with only 2 credit cards bal 9k

@littlecupcakespuppies Год назад

What do you mean the 5 % fee in case the bank charged that? do banks charge 5% fees for paying off credit cards?

@alisatjaden3906 Год назад

5% for balance transfers to cash back, 0% internet cc

@jenniferabbott976 Год назад

Can someone please explain…..do you switch all your bill’s monthly payments over to the line of credit? Is that what she means about “expenses go in”?

@notmeee7302 Год назад

Yes switch every monthly payment you can into your credit card payment. Most of the time you cannot do your mortgage or your card payments and that's why that amount is deducted from what goes into the credit card because you have to pay that directly from your bank account. Unless you're credit card has convenience checks which mine does! So I'm able to chunk down more of my credit card balance and get more cash back benefits by putting my mortgage into it!

@Risingmoon8 Год назад

I think in this example he does not have a line of credit and they are using the credit card in its place. That is why she has figured in transfer fees. This card must allow other credit card balances to be transferred in.