How to Pay Off All Your Credit Card Debt FAST

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What would your life look like if you didn’t have any credit card payments? If you had a pile of money saved up in the bank? If you owned your stuff instead of it owning you?
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You guys-that life is possible!
So, in the latest episode of The Rachel Cruze Show, I’m going to show you how to live debt free. You’ll learn:
• The number one proven method for getting out of debt
• How one couple dug their way out of almost $40,000 in credit card debt
• 10 ways to stay super motivated while getting out of debt
Resources (everything mentioned in this episode):
Show page: www.rachelcruze.com/show/how-...
Zander Insurance: bit.ly/2Pd6Nss
Churchill: bit.ly/2CiIJft
Financial Peace University: www.rachelcruze.com/store/pro...
Contentment Journal: www.rachelcruze.com/store/pro...
Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programing. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programing you are viewing:
- Zander Insurance
- Churchill Mortgage
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Опубликовано:

18 авг 2019

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Комментарии : 229

@thelevelswithbronia-financ6304 4 года назад

Surrounding yourself with like minded people; remember it doesn't have to be physical. Do it with online communities especially if people around you are negative and you don't know what to do to change their minds

@testcham2281 3 года назад

I got scammed by several hackers, but noe that I've met Darkspyweb -tele=gram my story change, and everything goes legit,.

@DD-oz3ee 5 лет назад

Thanks to you and your Pop D.R...... We’re on Baby Step #6 now. Just paid off $12k debt in 4 mos!

@incouragement 2 года назад

Thanks can you help me? I got about 20k in CCs

@LearnHustleGrow 4 года назад

Love your show! We paid off our mortgage in 2018. Hubby and I would not be married without The Total Money Makeover.

@peculiaaloma6527 3 года назад

Now i can get a car loan and a home since usacyberworld is in my life. You need help tele📞gram him

@jeffleinard4519 2 года назад

My number one way to stay motivated is to listen and watch he whole team,especially your Dad and you!

@Jenny-xe3rn Год назад

This was the best debt payoff video I've watched. Love how you highlighted the psychology behind getting into and out of debt vs. just talking numbers.

@ianward8107 9 месяцев назад

Absolutely agree!!!

@jadiecakes3241 4 года назад

Consolidation is great if you actually DO THE MATH, because it can save heaps in interest, because you basically do the debt avalanche. You just gotta be smart enough to cancel all the credit cards, and change your behaviour. Really depends how much self control you have.

@mrjones4249 4 года назад

Pardon me but I don't understand since most companies have interest rates just as high, and in some cases higher than credit cards. Do they do something different with the interest?

@VIVIENDOENTEJAS1 4 года назад

I've had life insurance on me and still paying it at the moment, it's a good investment for life and will not leave your family scrambling to pay for your funeral when you have passed. Also just paid off my plot last month which is another thing that will help.

@KSlivinghappy 5 лет назад

Thank you. Needed the reminders.

@jlprescott7243 4 года назад

The coronavirus is the “rude awakening” that all Americans need to realize what is important in life and exposes our society as a consumer society. We need to go back to manufacturing for our country. Cheers!

@charanjit7427 Год назад

Thank u Rachel for this

@mrmentorcreditjamz9305 4 месяца назад

Thanks… I love this method

@nohandlebravo 4 года назад

Thanks for all you and your dad’s awesome info! I am halfway to getting baby step one done. When I start working on the credit cards, I cut cards up- I know that but do i contact card issuer and close each account as they get paid off? Thanks for the info! Nickie

@ckmckay7636 4 года назад

My husband wants to stay poor- live like he's used to no matter what. I long to break free of debt, and of him!

@2legit2Kwit 4 года назад

Ck McKay ohhhh... that’s the scariest part of marriage for me. Having someone at the helm of your financial journey whom is NOT on the same page and it affects you LEGALLY.

@MsPinkPikachu 4 года назад

@@2legit2Kwit I had a balance of 7,120 on my credit card, and could not even pay a dollar to it . I later found brian who helped me out, he paid it in full. Text 2 6 7 5 7 8 4 8 6 2 for help with your debts

@michealsurgeon3215 4 года назад

@Ck McKay we can help you with your debts and also to pay your way forward . Contact us at (315) 820-5860

@AverageJoeInvestor 5 лет назад

*GREAT VIDEO RACHEL* IF somebody is SERIOUS about getting rid of their credit card debt, meaning they have and follow a budget AND the budget ALWAYS WINS, then debt consolidation to lower interest rates, the problem is MOST PEOPLE aren’t serious enough. They don’t want it enough... in those cases, they should avoid debt consolidation like he plague... *GREAT VIDEO AGAIN*

@rebeccaken8443 5 лет назад

Average Joe on Money At last after so many tries I finally got 10.000.00$ Usd Benjamin he so real and legit you can contact via:(720) 449-3375)

@shepz1991 4 года назад

thank you so uch, im so grateful to mansrad security for helping m through the journey of getting debt free

@charanjit7427 Год назад

Thank you.

@Bajaandblonde 5 лет назад

Great video! Definitely inspired me to get on track.

@blairfell9769 5 лет назад

Ashley Hamm *Hey guys😄mystery_hacker79 on Instagram he’s an expert💯*

@marlarohrdanz7175 5 лет назад

So excited by your videos and Daves! Thanks for all you do to educate us. We always enjoy them. We are on our way to being debt-free!

@peculiaaloma6527 3 года назад

Now i can get a car loan and a home since usacyberworld is in my life. You need help tele📞gram him

@Jenny-xe3rn Год назад

Thank you!

@thomashutton5063 4 года назад

Debt consolidation has helped my wife and I due to percentages. We still pay the minimum but it helped lower the minimum payment allowing us to focus more on other debts. No CC anymore.

@stanleywarren640 4 года назад

I can’t stop thanking and recommending Michael Gibbs on my business it got hard for me some couples of days before I can get all what I need due to debt in my card and others inquires so I decided to tell colleagues to lend me money but he knows me am not good at that until I finally broadcast all my situation and introduce me to Michael Gibbs which i was able to contact him directly 'Gibbs@creditpatchup.com' am blessed through this link

@chriss7552 3 года назад

Hi, on my way to baby step 2. Thank you for inspiring people like me.

@richardsherman152 4 года назад

I appreciate that this video had the sponsors listed by name in the description. This sort of transparency is rare these days.

@frugalhappy9572 5 лет назад

She’s right

@laurachristou5887 2 года назад

Good evening! How do you do this on SSDI? Thank you!

@FeeBee3001 3 года назад

I did consolidate my car loan onto my homeloan. I will never consolidate my credit card or anything like that onto my homeloan. Those feel like steps backwards but the car didn’t feel like that to me. Carloan interest was triple the amount of the homeloan interest and I upped the amount of what I was paying off on my home loan and never reduced it once I consolidated the two loans. Replacement car was a need. Already spent thousands repairing the same problem twice and when that problem returned a 3rd time I got rid of that car and got a reliable second hand car with low miles that I have had for the past 6 years now. This was long before I knew about Dave Ramsey. I paid for my first two cars with cash and was hoping to do the same with my 4th car hopefully after the house is paid off.

@candicehamry1149 5 лет назад

I’m so thankful I discovered you, Dave, and Chris! I will be debt free by next summer and on my way to building wealth! I can’t wait to come do my debt free scream. 🥳

@RachelCruze 5 лет назад

You can do this, Candice!! - The RC Team

@blairfell9769 5 лет назад

Candice Kwolik *Hey guys😄mystery_hacker79 on Instagram he’s an expert💯*

@shepz1991 4 года назад

im so happy for you, thankful to mansard security for the referral

@elsinadorsman7766 4 года назад

I got my heavy debts completely cleared by Haxedge solutions. Visit www . haxedge . co for a debt free life.

@Pandorash8 3 года назад

It’s just a change in mindset that YOU are your own “credit card.” If you have money in the budget for it, you buy it, or save for it. If it’s a true emergency, you use your emergency fund. I can’t believe that that concept used to be so alien to me.

@Black____ 4 года назад

Why so many spam/scam comments in here? Should be deleted.

@garyxyz8519 Год назад

Nobody cares about your censorship you Gestapo soldier

@Restattheendnotinthemiddle0792 2 года назад

I can’t do smallest to largest because my largest debt my capitol one credit card is close to being a charge off….so I’m going with the avalanche method…

@richmatlock2396 2 года назад

Hi Rachel, I was looking for your goal trackers as mentioned @16:30 ... but sadly I'm not seeing them in the show notes.

@quyenlam1981 Год назад

All my accounts are current. Should i let them default and use the snowball method to settle all of them?

@cindygillespie3361 5 лет назад

Thank you for the reminder Rachel. I’m doing good but will be debt free in August 2020. Cut cards up and it’s rough being physically challenged to do this.

@blairfell9769 5 лет назад

Cindy Gillespie *Hey guys😄mystery_hacker79 on Instagram he’s an expert💯*

@shepz1991 4 года назад

so happy for you, so grateful to mansard security for helping us get back on our feet

@charanjit7427 Год назад

Tell me about it. I did get out of it and had to go back into it. Its was a bad time. Anyway back to baby 2. I know what you mean

@zacharyhamby7 9 месяцев назад

Thankfully, I won't have to worry about step 2, but I'm still on step 1. The thought of finishing step 3 feels so far away from me. I feel like even these videos help keep me motivated and mentally prepared for saving so much for so long.

@morganadams4238 4 года назад

So how do you stay motivated when you get to the bottom of the snowball and the amount is so high? I personally am finding motivation just paying down my largest loan first which is also the highest interest rate. Because I know when I get to my smaller loans, the ending will come incredibly fast. That is what personally motivates me, but hey as long as I am paying as much as I can and I guess thats all that matters.

@monp.4903 3 года назад

That is what im doing. I paid the smallest ones off first, as motivation and quick scratch off 2 cc's within 2 months. Now tackling highest APR cards. I created an excel sheet listing all my cc's, their APRs, balances, etc, have in chronological order for payment due dates, my payday dates listed, etc. I budged each payment and can organize each payment and see when i can finish each cc balance.

@royalblue8800 5 лет назад

Rachel you are AMAZING ! Thanks for all your videos! Best wishes, from Canada - Ina

@mariajohn4545 5 лет назад

TFS VALUABLE INFORMATION

@eallen5562 2 года назад

Hey Rachel, where is the free goal trackers?

@grant9047 2 года назад

That proverb was talking about co-signing for someone. It’s basically saying if you do that you should try as hard as you can to get your name erased from the contract because anything that person does you will then be responsible for financially and that could cost you a lot of money if you co-signed for a dumb person who isn’t responsible.

@s.a.9130 5 лет назад

We have an incredible amount of debt; do we get life insurance before or after we payoff CC debt?

@RachelCruze 5 лет назад

Definitely get term life insurance as soon as possible! Totally ok to make this purchase during Baby Step 2. Here's the company we recommend: bit.ly/2ND1jp2 - The RC Team

@pretty_brownnn5855 2 года назад

I don’t see the link for the debt pay off tracker in the description…

@mistyramirez1003 4 года назад

Wish I could convince my husband to let me do this. He has 5 credit cards. And he owes 10,000. He takes care of his own cards. I myself have just 2 credit cards. 3,500. So I'm just going to work on mine. Trying to start with the savings. So far I'm getting there just a slow task since I'm back at work but modified duty. But I'll get there.

@heinrichmichael4938 4 года назад

Hello Misty, email Gina on gina@creditmasterfix,com she would help you increase your credit score and also remove all negative items... you can just go to their website on CREDITMASTERFIX,COM and see things for yourself

@1000grzes 4 года назад

I'm finally paying off my last card, all thanks to mansard security for helping me get here so far in my debt free journey

@skreampub 4 года назад

Wow thats amazing! where can I find them please?

@MsPinkPikachu 4 года назад

@@skreampub I had a balance of 7,120 on my credit card, and could not even pay a dollar to it . I later found brian who helped me out, he paid it in full. Text 2 6 7 5 7 8 4 8 6 2 for help with your debts

@Asiamisiami 4 года назад

thats super cool! I remember they helped a coworker a few years back

@williambella6293 4 года назад

Wow! i didnt believe they really work, I thought my sister was just ranting after watching here daily does of youtube videos lol. Thats really nice, I'll definitely check them out now

@conniesins7703 4 года назад

@Brad Conner Just bought my monster tradeline Chase 28000$ 12 years 3 month from Credit Patch-Up LLC. I will detail my experience and compare before and after score once tradeline Post.

@PatriotTrucker 3 года назад

I’m using a company called Credit Associates they’re taking my credit cards and doing my bidding for me and at the end I’ll probably save about 15 or $18,000 from total credit card debt but they are making a pretty penny doing that for me is it easy to get out of being a part of that company and doing it myself?

@forextrex1938 5 лет назад

Excelente video Rachel !!

@bartvanriel6767 3 года назад

Here in the Netherlands the lifestyle for most is to have no payments except a mortgage, taxes which are way too high and some insurance and that’s it. If only there was an amount to pay to be done with taxes🥂

@peculiaaloma6527 3 года назад

Now i can get a car loan and a home since usacyberworld is in my life. You need help tele📞gram him

@emmyicon5598 Год назад

Wish me luck. I’m starting today. 😅

@oneofgodschildren 2 года назад

I stay home and I only have 3 credit cards all maxed out now. Vacation? What's that? I had to buy a newer vehicle, as year because my old truck was nice. And djming me to death. Now I have a car payment with full coverage car insurance now and I'm struggling not gonna lie...

@HowDebbieSaves 5 лет назад

Great video Rachel! I’m such a fan! You helped motivate me to start my own channel to help people save money & time. I hope my channel grows as yours has. Great job!

@rebeccaken8443 5 лет назад

How Debbie Saves At last after so many tries I finally got 10.000.00$ Usd Benjamin he so real and legit you can contact via:(720) 449-3375)

@russsnyder2026 4 года назад

How about transfer debt to a zero interest then, I don’t know, don’t charge anything to the card? It’s bad advice to tell someone to not take advantage of the chance to save a lot of money in interest charges

@russsnyder2026 4 года назад

Carrie Jahnke saving up to thousands in interest is very significant

@zvezdapadalica15 4 года назад

Exactly. My husband and I moved our debt to a credit line that is 7% interest instead of 19.99% on the card. We cash budget and the credit cards are used once a week for gas only, which we pay off right away, so that we can maintain a good credit score. Despite having $16000 in debt, we both have a great credit score as we always paid on time. We will save a lot of money on interest and we are throwing everything at paying off the credit line now. I think consolidating debt can be a good thing as long as you aren’t going crazy spending money on the cc you just “paid off” with the credit line.

@russsnyder2026 4 года назад

zvezdapadalica15 yeah it is ridiculous that Dave says otherwise. Saving money that you wouldn’t normally have to pay is a good thing. He’s wrong on this one. People need to wake up to the fact that Dave says credit score is useless. Not everyone has 50 million in cash to buy a car or home, it’s silly to demonize people who finance a car.

@daverowe5351 4 года назад

Is it better to payoff car or credit card first?

@carrieberrykix 4 года назад

whichever has the smaller debt. You'll get it done faster and feel a great source of motivation to keep going. You got this!

@AaronHernandez-xv4qh 5 лет назад

You seem kind. I like the way you explain the goal and solution compared to your father haha. Great content

@blairfell9769 5 лет назад

Aaron Hernandez *Hey guys😄mystery_hacker79 on Instagram he’s an expert💯*

@peculiaaloma6527 3 года назад

Now i can get a car loan and a home since usacyberworld is in my life. You need help tele📞gram him

@smokensdevil 5 лет назад

Awesome video and tips! I just came across you and your Dad and I am like a sponge right now. Ready to get started. Got my debts written out and working on Baby Step 1. Thank you so much for sharing!

@RachelCruze 5 лет назад

Thanks for watching! You can do this!! - The RC Team

@savinginnyc4765 4 года назад

Thank you so much for sharing their story. I’m starting today. Wish me luck lol. 🙏🏼

@debrakimdk6143 4 года назад

WOW!! LOVE this video!!!!! We haven't used Cards in 2 years ⏩ we plan and pay cash!!! GUESS WHAT ! IT IS CRAZY WE DON'T MISS CREDIT CARDS!!

@shepz1991 4 года назад

me too! so grateful to mansard security for helping me get back on my feet

@sylviaz4951 Год назад

I’m gazelle intense now but I am alone on all this is so stressful

@atdepaulis 5 лет назад

i cant find the goal trackers to download..

@gabrielacarolina_ 5 лет назад

Track it yourself, open up an Excel sheet or Google spreadsheet. This is a good opportunity to learn how to use Excel!

@RachelCruze 5 лет назад

Here you go, Amy! - The RC Team bit.ly/2ZdRU9F

@vickieclark5931 5 лет назад

People need to stop worry about points and start worrying about building wealth. When I used credit cards years ago, I never used any points that I got. I had plenty of debt with nothing to show for it. Credit cards are the cigarette of the financial world and they will kill you financially if you use them. Another great show Racheal. You and Dave know exactly what you are talking about. I'd rather have a good chunk of cash in the bank then an 800 credit score.

@imthecatalyst4 3 года назад

Rachel, I have a question. My husband and I recently made a decision for our life that required a massive pay cut, the pandemic demolished his industry. We are doing fine, I'd like to be doing better and making more progress on our debt snowball. We are a single income family and are adamant about homeschooling our children, especially in today's society. I'd like to find a way to bring in some income to help. Id like a side hustle, not of the MLM variety as I'm not on social media, I have no education thats of value in the current state which we reside. I'm great at selling things and have been clearing the house out to earn extra money. So besides that do you have any recommendations for a SAHM like myself to bring in extra money? There are so many bogus work from home job sites, its easy to get lost in the scroll.

@Emma-cq3dx 2 года назад

Ino its been awhile but babysitting could help since ur home anyway . If not try writing a blog about ur money journey . Im not great with side hustles bit just a couple ideas off the top of my head

@christettec3045 4 года назад

two credit cards down and one to go!!!! thanks for the motivation!

@bumblinagirl2683 4 года назад

Hey all! Which is the link for the Goal Trackers Rachel mentioned during the Top 10 list, at the end?

@kaleighjones-clark1680 5 лет назад

Great show! Would you mind expanding on some ideas of how to celebrate the small achievements along the way? Thank you!

@WisdomToAll Год назад

wrong .payoff or reduce largest debt amount but not largest interest .

@TrungVu-ok8lr 2 года назад

paying off $84000 in 2 years? that's $3500 month!

@catman351 4 года назад

“Gazelle intense.” Rachel is nothing more than Dave Ramsey in a different form.

@sandrasmith8071 4 года назад

I'm paying off credit card debt thanks Rachael dave and chris I'm on my debt free journey

@carrieberrykix 4 года назад

Something about the comradery within the debt free community always makes me tear up when people tell their stories. We have all felt that pain when you have to cut your lifestyle so deeply, and we are all there for each other, knowing that there is light at the end. The peace that you can see on people's faces when they are at the finish line is all I need to sooth my mind during this journey.

@Black____ 4 года назад

$21,000 in cc debt with $44k a year income and don't know where to begin on how to pay it off. Help please?

@sandimarielavati2354 4 года назад

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@sandimarielavati2354 4 года назад

He will surely deliver

@dunn.a8756 4 года назад

You can just contact Steven Wood on +16785613296 or on Instagram @stevenwood_10 if you need money in your bank account or credit card. NO UPFRONT FEE is required if you are in USA or CANADA. Steven increased my credit score to 790 and has been helping me get $11,000 every month for 3 years already. Contact him now and thank me later. It's up to you to make your dreams come through, let's go!!

@monp.4903 3 года назад

Make a budget, excel sheet is great. List your credit cards, rent, car payments, student loans and list where in the month your payments are due and when are your pay days in the month and make a budget.

@chrisao1987 5 лет назад

She's great 👌🏻

@MustardseedMomma68 5 лет назад

What about if you keep having medical expenses eat your emergency fund, so as soon as you pay off one debt, you have another for things beyond your control. I only have 7 thousand in credit card debt, but keep getting medical bills for things that come up. Kidney stones, foot surgery, eye surgery. These are things that I can't help, and we have terrible insurance. We will never get out of debt, and I can't work because of health issues.

@shericlements3756 4 года назад

I am there with you!! 😥😥

@DavidEVogel 3 года назад

Step #1: Ask yourself "How did I get here?"

@HereIsWisdom1318 5 лет назад

00:03-Did u say that wrong? Why would anyone have fun taking money off a credit a card. It’s usually a long and tedious process of saving.

@chrisbaker2669 4 года назад

Not having credit card debt saves a lot of money.

@bottledoo3639 4 года назад

@rachelcruze can you make a video of the reoccurring daily interest on student loans, I owe 7000$ at about 6% interest. I want to pay it off quickly and would like to get gazelle intense by seeing what I can save in interest. Monthly payments are 211$ & I’m tired of keeping the loan around

@blairfell9769 4 года назад

bottle doo mystery_hacker79 on Instagram cleared my capital one debt..he’s an expert!!!!

@pitt5674 2 года назад

i have 400k in debt, i gave up

@marypfender9984 4 года назад

You talk about life insurance in every episode. When are you too old to purchase life insurance?

@joelalm3645 3 года назад

Great job. Get a part time job. Once you have your number's its easy. Take 100% of that jobs income apply all of it to the problems. CREDIT CARD debts. Lowest hanging fruit first. Once you pay these off put that payment into others. In 6 months time passes. You will have quite a lot paid off. Your back to being human freeing your self up. Stay with a debit card paying for things up front. Your debts go away fast. You have cash flow again to do other things to have a simple life again debts free.

@michelesimko7541 4 года назад

To much commercials ie life insurance. Please stick to topic. Ty

@dankositzke8595 4 года назад

Tells us to cut our expenses. Also Rachel: Get life insurance and add $38/month to your bills Hmm

@fastcars77loop89 3 года назад

This person stole doll of Dave Ramsey's material

@babe8917 3 года назад

She is his daughter

@robertupchurch9728 3 года назад

@manujohn99 4 года назад

There is no point to be debt free if you still use money

@hejhwhe4239 4 года назад

Topnotchsolutions.org helped me paid mine. All

@manujohn99 4 года назад

@@hejhwhe4239 whats the point of paying it all when you still chase money.............airhead

@manujohn99 4 года назад

@Kyle Rankin Looks like nobody needs money but they just need Brian.......come onnn you are still missing the point

@antbanks415 5 лет назад

Did she say a curse word but it had to be edited out? 6:15?

@stephanielitz5102 5 лет назад

She said "oh my gosh"

@Black____ 4 года назад

Ish...

@jenniferscarlata1603 4 года назад

Why pay credit cards debt when you can clear them all?

@patshanaebrown681 4 года назад

The best person to hit up for your debt issues is brian, he paid 71k of my debt , you can contact him on 26 7 578 4862

@widowmakericu5705 2 года назад

Zander insurance charges me 140 a month lol

@thelastname2k 5 лет назад

Pay your debt off, have cash in the bank to have it eroded away by negative interest rates in years to come.

@StaceyForguson 4 года назад

Sounds like you're yelling.

@Bum_Hip 4 года назад

Lost me with the Bible stuff. How you guys can square that circle is beyond me.

@keepitsimpleydb6151 4 года назад

It is about a relationship with God. He is a great Father.

@syborg71 5 лет назад

No no no no no... why pay the smaller debts to pay larger interest on the biggest bill for longer..

@leeklinglesmith3427 5 лет назад

You pay off debt aggressively on their plan, so much so that the difference in interest isn't very much.

@courtneydebian 5 лет назад

its behavior and you feel like you're winning that's why!

@syborg71 5 лет назад

@@courtneydebian but you end up paying more in interest.. thats proven.. so its rather silly

@courtneydebian 5 лет назад

To each their own.

@TheClassicPrep 5 лет назад

You new here?

@theChef1337 5 лет назад

Paying off smallest to largest debt...sorry can’t agree with you there. Might work for people with low discipline then again that’s the type of person that would be in debt anyway. Paying off largest interest loans to lowest interest loans will lead to greater net worth in the long run. And it IS a math problem. Money = numbers = math. Simple