How Can You Have An Extra $480 Per Month AND Eliminate Multiple Credit Cards??

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Опубликовано:

9 июл 2024

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Комментарии : 294

@MrColonelbbc Месяц назад

Only thing I am mad about is the years they took advantage of my ignorance before watching ya videos!!!!

@jclemans6494 10 месяцев назад

Fabulous this works. 50k paid off in 8 months. Priceless.

@b133d1ngac3 10 месяцев назад

You can do the same thing in 8 months with out taking out a line of credit by just by putting the cash flow amount to the credit cards, highest intrest rate first and work your way down every month. For 8 to 9 months. You're not saving that much, and you didn't have to take out another lone!! I have done it several times!

@natarshiapeck 8 месяцев назад

plus these numbers dont add up. she only including part of the expenses for rent and utilities. but her had 2715 of expenses... not accounting for like 300-400 of expenses and plus that last month he still has to pay rent and utilities, so it will take another month to wipe out. aside from the lower interest rate, this is deceptive. even with a 680 credit score if his income isnt high enough he might get rejected.

@mmlsweet 11 месяцев назад

Working on raising that score. I can’t wait to get that PLOC! I can’t wait to release that stress.

@user-qt8ij4du3w 3 месяца назад

To raise your credit score ..obtain a cash secured loan or credit card from a credit union or bank. Make on time payments for at least 90 days watch your credit score go up and the financial institutions start offering you more credit..especially 0% credit cards. This helps to get you started.

@patriciaarispe8956 11 месяцев назад

I just wanted to say thank you so much for helping me see things in a completely different way. I feel like I just won the lottery. This is such an amazing way to live. I'm now using my credit cards the way they should be used. Getting out of debt and not living with the paycheck to paycheck mentally.

@VanntasticFinances 9 месяцев назад

That's EXACTLY the way I felt! Such a wonderful freedom!

@Itsgottabejr 11 месяцев назад

Love your content Christie,if possible, could you do a video on making daily payments on the credit cards and the benefits it has on your credit score

@antheap4253 9 месяцев назад

So i did zero interest balance transfers on all but one of my credit cards and now i’m implementing your strategy. Thank you. For first time in years i can breathe again because i have a plan that works.

@VanntasticFinances 9 месяцев назад

Glad it was helpful! So happy for you!!!

@jeremypeterson9300 11 месяцев назад

Glad we got you to help us!!

@wendy7879 11 месяцев назад

Basically, taking the cash flow towards that credit helps tremendously

@gabrielageraldo1598 9 месяцев назад

Thank you so much, I feel we still have hope

@alanlvr36 11 месяцев назад

I love this!!!! ❤ Now. Discipline!!! Discipline and focus!

@BeautifulRelaxationMusic 10 месяцев назад

Thank you so much for this video!

@bookbearerplus 11 месяцев назад

Great video, thanks!

@waylaydown 10 месяцев назад

Thank you sooo much for helping me get my life finances back on track.

@VanntasticFinances 9 месяцев назад

So happy for you!

@innerself3796 11 месяцев назад

Always great content. Thank you so much!

@VanntasticFinances 9 месяцев назад

Thank you for watching!

@user-le8kp1gt1y 11 месяцев назад

Christy, off subject but your outfit is very flattering, so cheerful! I'm happy this man found you. I'm starting on my credit cards this week I'm excited thank you❤

@Silenceisconsent 10 месяцев назад

New sub !!!!! Thank you ahead of time ❤

@evelynswille1629 10 месяцев назад

Thanks for all your knowledge and help in this difficult times. I share your channel with my daughter,so she could understand this important financial advise.

@VanntasticFinances 9 месяцев назад

Beautiful!

@TGBTGAlways 11 месяцев назад

Yes yes! Love your knowledge and you sharing with us! I thank God He helped you out of debt and you now give back bc you aren’t trying to money grab while helping those in need. God bless you Christy 💞🥰

@VanntasticFinances 9 месяцев назад

Thank you so much!

@Authentic-Israelite 9 месяцев назад

This is amazing! Thank you!

@VanntasticFinances 9 месяцев назад

You're so welcome!

@mr.charley1507 10 месяцев назад

You are awesome! ❤

@Defience12 10 месяцев назад

Christy, Thank you so much!

@VanntasticFinances 9 месяцев назад

Any time!

@RiceSteph 10 месяцев назад

This is awesome!

@la_canefan1571 10 месяцев назад

Love your videos

@robertallen3133 10 месяцев назад

Love your channel 🎉🎉🎉🎉🎉

@hoagie00 10 месяцев назад

This is like interest rate and cash flow optimization to maximize debt payoff with minimum interest expense. Fantastic!

@mikeparadise5024 11 месяцев назад

Thank you xoxo

@jenjam021327 10 месяцев назад

Thank you!

@peace.n.blessings5579 11 месяцев назад

Thank you for sharing this information

@robindouglas7545 11 месяцев назад

You are awesome ❤️🙏🙏 THANK YOU for all your knowledge on $$$ getting out of debt !!!!!! 🥰 God Bless You 🙏❤️

@VanntasticFinances 9 месяцев назад

Thank you so much for your kind words!

@TT3TT3 3 месяца назад

Thanks! Bless you!🎉

@reginasipes4248 11 месяцев назад

I'm not sure what I looked at that prompted your videos to be seen but, im glad. Im a single gal wanting better in life. Since my life is half over, no better time to start trying a new strategy lol.

@NiloufarBadie-og4lq 11 месяцев назад

Thank you and God bless

@KDStyle1 10 месяцев назад

New subscriber. Thank you

@msavelyev 10 месяцев назад

awesome!!!

@aliciahampton268 11 месяцев назад

Makes sense to me!

@lillianaravena4556 10 месяцев назад

Thank you

@mikkiismyname 9 месяцев назад

Would help if you 1. Clarify where a Loc comes from ex a heloc, cc, personal loan. 2. Mortgage holders and other bills cant be paid each month with a cc, if that is used as a line of credit. So, how would those bills get paid? 3. Does Loc allow for withdrawls each month to pay for these expenses. If using a cc as a Loc, then cash advance fees apply. Lastly, one would need to know exactly when the interest charges are added back to the loan so that a large payment could be made beforehand. That could be tricky. Overall, need way more specific info on types of Loc's and how they are used and obtained without this info, I find the videos very perplexing

@labelleza7065 8 месяцев назад

Did you figure this out?

@mikkiismyname 8 месяцев назад

@@labelleza7065 I did, seems it's all about getting a line of credit to tap into. I only know of home owners being able to do that. Anybody renting, not sure where they would find that type of loan product.

@khoop16 6 месяцев назад

1. A personal loan is not a LOC. 2. Any video that uses a cc as loc, she puts the info in that specific video. 3. LOC refers to either HELOC or PLOC- used the same, but have different requirements and can be used for any/all bills mortgages, rents, etc. 4. LOC allow for withdraws by transfer/checks/card based on the terms of your line. 5. It’s a daily average balance, if you keep your income in it as long as possible and pay bills as they are due, that will be the determining factor of how much interest you pay, not so much when you deposit your check. Hope to this helps.

@jayjamgold815 10 месяцев назад

Paying down the cards I see and that's really good but is getting a line of credit as easy as you make it seems.

@jeremypeterson9300 11 месяцев назад

Awesome❤

@byiqeiyi 9 месяцев назад

Good morning, I went to your website and I was trying to finish my Information and submit, but it would not allow me to choose which program I was interested in, but unless I choose it wouldn't allow me to submit my email information. I love your videos, they have been a true blessing.

@thesleeve9601 10 месяцев назад

We are we not teaching people this in high school? Best video!

@VBD1967 11 месяцев назад

Hi Christy, Can you get a line of credit if you don’t own home? What are other ways to get line of credit? My credit cards are all maxed out and I’m seating at 570 credit score.

@lisasmith742 11 месяцев назад

You are definitely the "GOAT"!!! My parents and grandparents were great with money but you show a better way. Keep the videos rolling love them❤

@FloSunny 11 месяцев назад

I wrote out my plan…. My goal is Jan for my hELOC. Thanks so much for all this encouragement.

@dianedeck 11 месяцев назад

I'm following your lead my goal as well. I gotta get a better score and pay off a couple things but I think it's doable.

@Elizabeth-ic4jx 10 месяцев назад

Christy, Thank you so much for what you share. It is so helpful. i would like to knock out some debt. What are your thoughts on using a credit card called Aven that is backed by your home equity? I received a offer in the mail. Thank you!

@Paulk305 10 месяцев назад

Who are your top picks to go with as far as a line of credit?

@cbxray1 9 месяцев назад

Could you go thru same scenario without a PLOC?? Thank you for your content.

@DoctorMcFarlandStudios 11 месяцев назад

2 uploads a day? Keep cranking them out.

@ryetak7 11 месяцев назад

Not sure if you have a video on this. If I use a credit card that is maxed out. I place my income outside of my mortgage/car payments on the card. Do you have to wait till the credit cards close on the statement to start using them to pay bill/ expenses? I never see example on paying the card and when to use it. Thank you.

@mrspunk61 11 месяцев назад

Could the US Government do Velocity Banking? Maybe you could do a video to help them out. We're all trying but they don't seem to care about our future or our kids and grand kids futures

@pattylrighter7124 11 месяцев назад

I rewatched and saw a notice that the whiteboard has an error at the top. Correction states his Expenses, at the top of the board, should be 2330. Then, once he is no longer paying his 480 towards his credit cards, his monthly expenses are 1850 plus his line of credit interest.

@VanntasticFinances 9 месяцев назад

No mistake...Income transfers eliminate the monthly payment due....so that payment becomes cash flow

@Heiswithher 11 месяцев назад

How do you get approved for a PLOC when you have so much debt and your cards are maxed out, won't the bank see that and deny you?

@SarahCapelesOficial 11 месяцев назад

How do you handle the living expenses that occur once a year? Do you divide them by 12 and add it to the month living expenses? I'm working on the spreadsheet downloaded from your website. Thanks

@VanntasticFinances 9 месяцев назад

Yes, you can.

@jenniferabbott976 11 месяцев назад

Do you have a video that shows how to use a heloc to pay off credit card debts, personal loans, and student loans; and how you pay for your monthly expenses through the heloc?

@ImmortalMomentsArt 11 месяцев назад

She has several, just check on her channel and search for the term.

@arleenmarino9993 11 месяцев назад

I love your video's but my question is how do I go about putting things on my credit card? Can credit cards pay my phone or electric bill by taking them out on auto pay?

@VanntasticFinances 11 месяцев назад

Yes

@gwenlfitzgerald-barlow737 8 месяцев назад

I love your video they are very familiar to me some thing I used to play around with when I was a young adult just trying to manage my out of control financial problems. I have a question though, how do I work a 4 small credit cards all with interest and you only have income of $1506 with +/- 300 -400 cash flow? Just not sure how to start

@troyshue6587 10 месяцев назад

Wish i would have seen this type of information 15 yrs ago

@l-bird 11 месяцев назад

I guess if it sounds too good to be true, then it must be Velocity Banking 😘

@ronaldharrison2427 11 месяцев назад

Love the videos i want to get a line of credit but kind of maxed out on two credit cards. Not sure i could get approved. Thanks for the videos.

@dachsymom5232 11 месяцев назад

She shows in one of her videos how to use credit card to do the same thing.

@samsmom400 4 месяца назад

@@dachsymom5232do you have the link?

@roxannew7354 11 месяцев назад

What if we don't have any credit card debt, yet we have little cash flow. Is velocity banking worth it for our 7 year old low interest mortgage?

@chanillep3927 11 месяцев назад

Hi Christi, do we put the expenses on, let’s say on pay day and then we take the expenses out the same day? Or do we wait 24 after to add back on the expenses??

@rebeccaseibert6172 11 месяцев назад

Thanks for the updated totals for this strategy scenario. If he couldn't get a line of credit, he could use his cash flow to start paying down his credit cards, correct? Thanks for encouragement, no matter what our personal situation is! Appreciate it!

@amandasharp8549 8 месяцев назад

I really need recommendations for lines of credit! I have a cap payment, 22 credit cards and a mortgage. I have gotto figure this out😊

@juansolo1836 11 месяцев назад

Do I work on paying off the highest interest credit first even though it’s not a large balance?

@smoothoper8tor77 10 месяцев назад

Could you put all your income, including income that is needed to pay bills not payable by CC, mortgage, car payments, etc, then cash advance out if the CC when payment is due?

@The-Minister 10 месяцев назад

Question what about getting a heloc loan instead a line of credit

@ChuckandBonnie123 11 месяцев назад

Hi there! I’m new to your channel and am a firm believer in velocity banking. I have some questions that I’d like to ask about my current situation. Can we setup a time to chat live?

@ninamanns5562 10 месяцев назад

Christy I just found and started watching your videos and I have one question please: can you help folks who have filed a Chapter 13 bankruptcy? I feel hopelessly lost as though I’m in prison and will never get out of this nightmare!

@mj482 10 месяцев назад

Wish me luck im going all in I currently have 2 credit cards one with a balance of $3800 with like 29% interest and minimum payment of 100 a month and another one with a valance of $1600 with interest of 24% minimum payment of $45 what do you recommend to pay of first the lowest balances or the highest balance first? Thank you so much, I was just too scared to add more balance to my credit card with my living expenses and bringing the balance higher. But I’m definitely going to give it a try. And try your way. ❤

@bettyvolmar6605 10 месяцев назад

Good morning how are you? I would like to know if I have a car loan and my payment is $744 per month what can I do to pay it off sooner?

@brentbixler8814 10 месяцев назад

When I set up a HELOC ....do I need to let bank know I want to use the acct for all my business deposits?

@dachsymom5232 11 месяцев назад

Hi! Love the content. Can you do more videos showing how to use a credit card to get out of debt. Credit is tightening and many of us have to get in a better position/raise score to get a HELOC OR PLOC

@lovetistrue 8 месяцев назад

Well I wish I would have seen this video before I used my LOC. I just paid off my credit card debit with my LOC and now I’m trying to pay down my line of credit. What would you suggest if this happens and is it possible to still do velocity banking.

@ronbrown8559 10 месяцев назад

I cannot seem to find the free worksheet download! Please help! Ron

@JF0913 11 месяцев назад

I have 4 credit cards. Totaling 29,000 dollars. I recently got a balance transfer offer for 10 months. I’m going to transfer the highest balance to that offer. The others at at 0% apr for another few months. One of them the 0% apr expires early December. How should I tackle this debt ? Even though they are currently all on 0 % Apr should I still get a heloc?

@mysunshine0063 10 месяцев назад

I've been watching your videos over and over trying to wrap my head around what you are saying. What I hear is put all your income into the line of credit but you can't pay your house payment, HELOC, or loans with that. How are you making the mortgage payment? I have an Aven card I'm not sure if that is a HELOC or just a credit card my limit is 30,000 but I only have 1288 available on it right now so I can't use that in the way you are talking about. I have several credit cards nearly maxed out. My husband passed away 2 years ago and I made some bad financial choices which I regret now and I'm afraid I won't be able to get out of debt. I need help.

@vanessacouve8847 11 месяцев назад

At what stage of the month do I pay more into my debt to pay it off

@pandiaharris8422 11 месяцев назад

Does the line of credit need to be tied to your checking account

@808fbi6 10 месяцев назад

I'm new to this. I wish I could have someone like you show how to do this in person. I do have a line of credit of $5k. I had it since 2008 but I've never used it lol. I don't have any debt. So this is how I do my monthly payments. I use my credit to pay for everything. I'll pay utilities by bank other than that I pay off my credit card every week. Is this a good way or no.

@8thFloorproduction 11 месяцев назад

I have a question, Is the cash flow tied into the credit now? And how to we separate the two?

@VanntasticFinances 9 месяцев назад

The cash flow is paying off the debt.

@BigMoe38 9 месяцев назад

What if you don’t have a home to get a HLOC? What bank offer a personal line of credit?

@stephanielovell5828 15 дней назад

How do you calculate the total Expenses? Living & rent don't add up, so I am missing something with the CC payment I think.

@nessfittraining9679 8 месяцев назад

My question/concern is a personal loan isn’t a revolving line of credit so if I get one and put my income into it, how can I use it to pay for my expenses? I can’t since it’s not revolving like a credit card right? Also is it okay to put things that are no interest like a light and water bill into a line of credit when using this method? Lastly why do you never suggest getting a 0% interest credit card to do a balance transfer? I know there is a fee but it’s small and usually no interest for 12-21 months. Thank you

@katenlemadim4674 10 месяцев назад

Can I use a line of credit to pay off my student loan? God bless you for this teaching .

@craigdeneendewitt1421 8 месяцев назад

What is the recommended strategy for mortgage of 2.37% rate no cc debt From the calculation I found that the interest of a HELOC would be significantly higher than just putting extra large chunks into my mortgage loan every three months Your thoughts?

@ryblinkaway 9 месяцев назад

If all my credit card balance debt won't fit in to transfer to LOC...? what do I do?

@hayleyvarnightly2076 11 месяцев назад

Pls do a video for max credit cards and line of credit..what else can we do to get some spare cash..pls help!

@VanntasticFinances 11 месяцев назад

Go to my playlist. I have some videos on negative cash flows...

@sharon4094 3 месяца назад

Every time I think I have found one of your videos that would work for me, I see LOC, PLOC or HELCOC. I live in an apartment and or don't qualify for any of these.

@kikirodriguez8293 27 дней назад

Closing costs for a LOC when I checked are $2700 at the lowest. How do you get a LOC without paying so much in closing?

@raymondtongolei6019 9 месяцев назад

Where can I get a LOC if my credit is in low 600’s?

@shockjock35 11 месяцев назад

I have $15,000 in debt on one credit card and $3500 line of credit. My credit card interest rate is 9.90 % but my Line of Credit interest rate is 11.99% I don’t know if this method would work. Since the the rate is higher