Hey Besties 🎉 Many asked and I have delivered. A dedicated video on past due bills and how to catch up. I hope that this video is helpful and if you have any questions, please leave them down in the comments 🤗
I sat down about two years ago now and a scripture slapped me, "pay Cesar's things to Cesar and God's things to God" followed by "the borrower is always a slave to the lender" and it occurred to me, you can't proclaim to a servant of God if you dismissing a principle in his word. So with research and prayer I consolidated all my collections, past due bills and paid it all for 12 months. Finally was pre-qualified for a mortgage, closed on June 1st. All of that to say, it can be done. But we have to be willing to sacrifice a little or a lot to do things the right way and reap the reward designed for you. I appreciate your tips, it's very realistic and on point. Congrats on finally seeing the light. ❤
Here because im so tired! Thanks for your transparency! Amazon, Klarna, & affirm have me in a choke hold! My own fault, every CC is maxed! Lord help me!
Omg girlll I saw ur post im like when did I write this lol. Girl Amazon affirm klarna got me in a double choke hold. I just paid them off. It was like 500 all together 😢 so now I'm working on credit cards im not behind on anything thank God but im tired of paying them God told me to pay them. So I'll pay one large amount at a time and still make the monthly payments on the rest and do the same thing the next month! Whew!
If any of you might be overwhelmed with all the different due dates for your bills, mine were scattered all over the month, which was difficult to keep track of. I assessed the times during the month that I knew I would have the money for each bill, and then I called on each one and asked if they could permanently change the due date. I was happily surprised how accommodating they were! My rent is due on the 3rd, with no fees or penalties, and all my other bills are due on the 20th or later. So, I can set aside half for each bill with my first paycheck, and then I only need the other half of the bills due on the 20th. I am so amazed at how much easier it is and how much more money I have available to save or spend as needed.
Definitely just got on a payment plan for my electricity as that’s really the only bill that I’m past due on. My fist summer in a house with central air and it took me by surprise. Thank you for reminding us to give ourselves grace. Loved the video as always.
Absolutely! Yes, those utility bills can take us for SURPRISE 😩That is why I will never put them on autopay 😂 but I am really grateful that they are so flexible...Thank you for watching 🤗
Blessings to all. Word of serious advice. Never play around " having your best life" and not paying your mortgage or rent under no circumstances. Hair and nails must be done at home and payments must be made for where you lay your head. Good luck to all of those struggling and not just being careless. 🙏
This is me to a tee! I'm either living my best life and doing what I enjoy or budgeting my butt off..being too extreme with my budgeting is not sustainable and I snap and overspend.. 😒 I'm still trying to find my balance.. Thank you for always being transparent about you budgeting journey. 💖
Wooow! This right here is me to the T. Save or have a free check(not spoken for yet) and go on a trip!! This was such a cycle for me because I would go so long without doing anything for myself. I didn't realize it until you just said!! I pray we both find our balance.
Ma'am can I say this was very much helpful. I thank you for your transparency. My problem is I am out of work and all bills are behind, so this puts fear in me to call the companies because I have nothing to offer right now. My life a serious change within 2 years starting with covid and went downhill from there. I am seeking employment now but nothing yet. When I say stressed out, Chile I cry secretly and then wipe my eyes and smile like everything is alright. I am trusting God because he placed a situation on me last year that I need to do and handle but I am trusting him to provide for the situation he needs me to attend to. I am 100% sure he wouldn't entrust me with this task and not provide for me. Your story is very encouraging and I appreciate you. Thank you
1:35 seconds in & I already feel better. I have spent YEARS (decades) in a cycle of drowning in debt & caught up. I thought I had it together, I did not. I need to sit down and get disciplined. Im so thankful for you & your content.
Finished and I want to say how much I appreciate you. It's a whole different vibe when you can enjoy life & pay bills. Your video was so thought provoking & real. Keep doing what you're doing b/c you're incredible. ❤
I understand how you feel. I am working my behind off just to “try” to pay bills. I am not living life at all. I just work to pay bills that I am in over my neck on. 😢
@@DeNyce- after going over and over and over and asking myself why am I steady paying the same bills again and agin and it’s higher and higher. I them realized from a representative of my cable and T-Mobile to credit cards. They all said the same thing it’s the late payments, the overdraft fees, reactivation fees on top of the new bills coming in at the same time. That’s really what it is seriously.
@@DeNyce- so from now on I’m going to do this budget planning. It’s tuff at first because you have all your bills over due. The only way I see myself getting out of debt or at least get my bills back under the line of past due or to good standing. Is to do the SNOWBALL method. To either pay off fully or to pay off the overdraft or late fees. Like to get everything back under the line so at least it’ll show on my credit score that everything is in good standing even though it’s not all paid off. Hope I m explaining it correctly, You know what I mean like have no more missed payments.
The answer is simple, live a SIMPLE life. There are many things you want that you do NOT need. As you get older, the things you purchase should be more needs than wants. Happy to say I have NO credit cards, makes life easier.
Single mom of 4 kids here! You are not alone ❤ I managed to elevate off of all government assistance but the weight of it all takes a lot of discipline.
I’ve got a debt payment plan in plan in place that I came up with. In 4 years I will be debt free and be able to retire with a $2000 a month surplus of cash after all my bills. There is my why!
first you are absolutely BEAUTIFUL 😍😍😍! Second I’m so glad I found your page! God shook me , I’m 37 and I’ve been irresponsible! It’s time! Deep diving into your videos ! Thank you for sharing your journey
Thank you so much! Thank you for watching! I’m so glad that you are here and getting some value. Don’t beat yourself up. You are on the right track by starting!
Thank you so much this a so needed This because these balances for Past Due Bills is Overwhelming feel like I'm drowning, can't sleep sometimes it's too much
I am severely behind on bills and just did a “Financial reset” meaning My account is so overdrawn I have to switch banks to be able to stop giving the bank half my paycheck. Digging myself deeper and deeper in a hole, not proud but I’m tired having to overdrawing my account because I don’t have enough money to make it to payday. It was like the payday loan cycle, so I bailed. I’m here to start over and be financially responsible.
Same. I just got another account and I will slowly pay back the overdraft on my overdrawn account. I like the flexibility of being able to use it when really needed cuz I know I won’t be able to touch another credit card for a while
I don't even know where to start. I drive Uber but 95% of my income goes go pay for my daughter's hotel room that her and my grandkids live. Ive been doing this since October. Im 55 no savings no retirement I'm so exhausted. My 17yr old son and I live with my boyfriend. Im like a hamster running in a wheel 😭😭😭
I started budgeting in Sept snd thought I was the only crazy person checking my budget and expenses daily. I’m not past due in anything Thank God but I’m paying down my debt and saving. Your video was so on point. 💜💜
Living my best life right now is trips to family dollar lol i know God is teaching me about finances. Im ready to be a good Steward and get rid of this debt. Thank you for this video ❤
Its the REALISM for me!! So glad I stumbled across your page. I am early in my financial journey and find myself making excuses for my spending but also "saving" to find myself repeating the same cycle every pay period. But hearing you say "GIVE YOURSELF GRACE" is what I needed to not give up!! Thank you again Gorgeous for creating a safe place for people who are on the road to creating their Rich Life 😉
Thank you so much for being here! Yes, please give yourself grace. It is not about beating up on people but proving a space to continue learning and work towards a system that will work for us individually and WIN. You are safe here Bestie 💜
Thanks so much for sharing this video, i started my budget journey January 2023, and it has been a sacrifice but to me it is well worth it. I continue to Tithe as well, as a matter of fact on this budget journey I have increased my tithes twice, I have even been able to set a small amount of savings for my grandkids, watching my debt grow smaller an smaller, and just excited to be a better steward over what God has given me. Also, this journey is also about my future, I see so many senior citizens struggling through life financially when they should be out relaxing and enjoying life, but instead they are still working. But enough about my journey. Be encouraged ladies we can do this! One day at a time, if you fall get back up and try it again. God gives us Brand New Mercy and grace everyday, we need to also give ourselves the same.
You are so right!! It feels great being a good steward over what God has blessed us with. His word is so true and I love that His word never comes back void. I know that we can do it if we stay consistent, true to God's work and He will carry us through. He proves it always to me. We got this! I have really embraced giving myself grace. It helps so much
Being able to be on a payment plan for my natural gas bill was the only way I made it through the high bills during the winter. I am paying $100/month from now until November to have a credit to go towards next winter and I will do a savings challenge for it once I have some extra funds so I can make a lump sum payment on it.
I truly appreciate this video. Sis you spoked directly to me. Life sometimes bring about a change and when you are self employed and you hit those slow months it can really impact financially and it's not a good feeling to not be able to pay your bills on time. This video has been very encouraging. This year I developed the Motto that I am on to living a more healthier and wealthier life. A few months ago the Lord spoke in my spirit that my Latter Days Shall Be Greater Than My Former Days and I truly Believe This To Be True and I am breaking the spirit of LACK. In Jesus Name🙏🙌
You rocked that video. If I hadn’t watched the last 3 months of your blood, sweat and tears getting current I could’ve imagined you as some professional financial consultant.
Also love when you say give yourself grace Becuase even though I was doing ot i still bought shoes or nail stuff and felt bad but at least I’m learning from my mistake.❤
Moral of the story is do not get credit cards they are not a good thing to have. When asked to apply for credit 💳 in these stores tell them like I do (you going to pay the bill when it comes) I don't care what anyones says credit cards 💳 are not a good thing. (Don't care what you say) stay away from them pay cash if you don't have cash for it then you can't afford it leave it there. Have a great day
Yes. Thank you for your opinion 🫶🏾❤️ Definitely insightful. I think it’s different for different people and households. I know people who have amazing credit, assets, no debt, property, etc and they have and use credit cards. So I definitely believe that it’s different strokes for different folks
@@BudgetTreasures you are right I'm debt free I don't use credit cards I pay cash for everything I want and that's the truth. I have an excellent credit score and all I do is pay my bills on time and never late I have a 100% grade A credit score just bought a car and I paid cash for it I can never. Y'all stay away from those devilishly keep you down cards but to each it's on but I do like your videos. And I see you got a new wallet and I wanted to ask you WHY cause there was nothing wrong with the black one. I'm watching you 😂 I'm going to help you get it back together cause I want you to win have a great night.
This was so helpful. I found your page at the perfect time in my life. We are in this situation with everything behind. We just sold our home and will close on 9/21. We will make 80k from that sell and have 22k in debt. This is our chance to get from under that water BUT I know hoe easy it is to fall back into old habits. I should now be able to see that I bring in more money then I spend out…But I definitely needs to budget moving forward…Thank you
After watching your video I do agree with calling the company you owe. I believe that’s the main root to at least myself I ignore creditors. And I try to think I can do it on my own or I would tell myself “I know I know I’ll do it next week or whenever” so the communication is very key in all aspects of life and sticking to the commitments. I was afraid and scared that I was going to get one of them evil 👿 customer service representatives. but girl I was able to get my light bill on a 12 month plan. So now I’m working on the rest. 😅🥵 just need to stick to the commitment to get through.
I never have put myself in a situation of having debt. Because I always figure if I don't have enough cash to buy something then I won't get it, all my bills and rent are on time. I never want to be late on anything it just ends up costing more money.
My current position is that i have managed to pay all my bills on time but i really dont have enough money to have fun. My money is going to bills. The overtime has dried up so i cant make more money now. I have been putting my stuff on sale online that i have decluttered but no sales so far. I am starting to get really frustrated with my lack of progress. It feels like i am stuck in the middle. No progress forward but not going backwards either.
Not going backwards is a celebration for sure! I want to ensure you to research other things that you possibly can do to make extra money. I know that there are tons of videos here on RU-vid and even searching on Google. I am not sure what you are willing to do but there are many things that can make you money if you have the time. If you have a skill that you can share, people will pay for what you know...
Is it possible to reduce some of your bills? Switching cell phone/ internet carriers, refinancing high interest debt? It’s important to have room to make progress on your financial goals and in case there are bumps in the road.
Maybe you can take advantage of different types of fun things instead of what you would normally do? I did a lot of nature walks, farmers market visits, family night with schools have lower priced events. Groupon also has decent enough ideas. I also hear some people volunteer for local events for a day or two in order to get free admission, if that's something that happens where you are. Also, fun might have to be planned a little further apart to give you time to save a little at a time. Celebrate not going backwards, that's a big big deal!! Keep moving at a steady pace progress will come and the sales will too. 😊
Thank you!! I recently started a new job where now I make more than my monthly expenses but I can’t seem to get ahead. My credit cards aren’t behind but still maxed out bc I used them when I wasn’t making enough. I can’t get out of the cycle still but I made a budget and hopefully it puts me ahead
A budget will help! Sometimes we also just have to make more money. This was something that I had to realize. The budget was great and I had decreased my expenses but I ultimately needed to pick-up a side hustle + the budget to really get ahead.
There are times also that it is not that a person is being irresponsible for not being able to pay their bills or get caught up. Some people work hard all their lives and are still struggling. The problem can be just not having enough money to do so even if they are working a full time job and 2-3 additional jobs. Life is hard for those that don’t get that opportunity for either a door of opportunity opening for them, that family member or friend that referred them to a resource or just to provide that additional knowledge on a topic, a book deal, or that rich uncle, or live in a thriving community. So not everyone that is struggling is to be considered irresponsible.
I am so overjoyed i found this video!! God is good. I have struggled tremendously with sticking to a budget. When you say to figure out you why . My why is exactly the reason you started for yourself . I am a black and white person as well . I want to be able to stick to a budget, pay my bills and live my best life as well . My problem is that i am a compulsive shopper 😫. There have been several times when i have put my wants before my needs and that has gotten me in serious financial jeopardy... Oh But God!!! He has been so merciful ,even though i don't deserve it . But i am so sick and tired and an soo ready to get off this hamster wheel for good this time . I am ready to stick to a budget and make all the cuts that i need too no matter how painful it will be in the short term . My goal is to have enough money for retirement, which is not that far away for me and to leave just a little something to my boys. Thank you for your transparency and encouragement.. new subbie here
Thanks for sharing. I never carry a balance on my credit cards or miss bills, but off late, I have had to spend more on my credit cards due to life situations. I'm glad to pay off all the credit card balances today with half of this paycheck. I intend not to spend much for the rest of the year on my credit cards except things budgeted for that come out of the credit cards.
YOU ARE RIGHT MY FRIEND IM IN THE SAME SITUATION BUT I WORK 2 FULL TIME JOBS, AND VERY BEHIND ON MY BILLS BUT IM MANAGING MONEY. BUT I ALSO NEED MORE MONEY OR ANOTHER JOB LOL BUT IM OK.
Thank you for making this video❤ You have confirm this ‘Plan’ I have personally used for years so I have forward your video to my grown children to do before they are in past due debt. Budget Budget Budget is the key🎉
Stumbled across this video, or did God point me here. You said everything I needed to hear and I’m a new follower now! I have many plans that will require money. So…here’s to getting back on track!
This was soooo good & very much needed! Now I feel like I can make it! Thank you for your transparency! Keep being you unapologetically! Thank you again!❤❤❤
I am so thankful I ran across this video! I am so in this space right now but this just gave me the empowerment to move forward to get caught up on bills! Thank you!! ❤
I am so glad I ran up on this video because hunty, you are speaking to the choir. I am so lost, and I recently started my budgeting process but I have to budget on my 2nd check of the month. I am currently journaling to figure out where I need to start. I currently pay all my bills on the first of the month....rent, car, furniture, and renter's insurance. My second check is basically free, and that check is what I want to use to budget. The only "bills" that come out of that check are my monthly subscriptions and 3 credit cards. So I basically have almost $2000 to budget. I am looking into changing my monthly subscriptions to yearly because I heard you save so much by paying them that way. As for my credit cards all of them are due in the beginning of the month, so I am so glad you said to call and speak with them, because I really need my due date to be changed, so I hope they can help me with that. Listening to this makes me feel there is a light at the end of the tunnel. God definitely sent you to my feed this morning. Good luck to you and anyone watching and commenting on your journeys! Be blessed!!
Thank you so much for your comment! I think that you have a great plan and it will work for you. I may look into paying my subscriptions yearly also. There is light at the end of the tunnel for sure..Happy Budgeting!!
Love this video and how transparent you are ❤ Honest question: How can I save money like create a savings while I'm catching up on bills? Or should I wait until I'm current on bills?
I’m still recovering from Covid with my light bill they added $10 every month to a three from a $3000 bill to my current bill so it will never get paid off. Current bill can be 400 and up I don’t know why.
