"Revealing My Darkest Secret..." My Shameful Debt Confession

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In this video, I'm sharing my darkest secret with you. It's something I've been keeping hidden for years, but after years of struggling and guilt, I've finally decided to come out and talk about it.
This debt confession is one of the most difficult things I've ever done, but it's also one of the most freeing. I hope by sharing my story with you, you can learn from my mistakes and avoid making the same mistakes.
Thank you for taking the time to watch this video. I appreciate your support.
"Revealing My Darkest Secret..." My Shameful Debt Confession
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Hi, I'm Mel. I am documenting my journey to "get sorted" in the four areas of home, heart, body, and soul. I'm an Australian mum of four children aged 4, 7, 9, and 13, married to my greatest supporter and love.
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16 окт 2024

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Комментарии : 158

@MySemiSortedLife Год назад

I realised after uploading that if you're new here - you'll know nothing about our circumstances or even who I am.... I guess I just felt like I was confessing to my friends. lol. In my update video I will be sure to be more inclusive. If you have any questions please feel free to leave them in the comments and I will endeavour to ensure I include the answers in the next video. Thanks so much for taking the time to watch and hopefully comment ❤ Mel ps. for the next instalment and update check out this playlist ru-vid.com/group/PLOQdR5OVSlXMEStBrmmaGYYAXQog30Xhh

@tracyc160 Год назад

Girl! I am so proud of you! Not for the fact that you shared your personal business but that you owned it,faced it,and made a plan! That is awesome!

@MySemiSortedLife Год назад

Thanks so much... it was a bit of a risk sharing so much personal stuff... but... just gotta own it and move on.

@suzanneh.3822 Год назад

Facing the truth is hard. And very brave. Just remember the old saying - “ how do you eat an elephant?” “One bite at a time”. Show yourself some grace. Sending you a big hug.

@MySemiSortedLife Год назад

Bless. Thanks so much my friend. X

@KarenLovesColours Год назад

Dear Mel, facing or problems is the first step in order to solve them. Putting ourselfs down for bad decicions we've made in the past only leads to frustration and more bad decicions. Accepting that we can't change our past but only our present is the key to changing our future. I am super proud of you!

@ms.patrow1111 Месяц назад

I was in a similar situation 4 years ago. I cut back so much and did every side hustle imaginable when I wasn’t working full time. I’m almost debt free! You can do it!

@dy9605 Год назад

You can do this Mel. You've come so far from the all day clean with me days. You're growing and learning and confronting the debt is part of the journey. Cheering you on from the other side of the world

@Carol_in_Colorado Год назад

Much love Mel. Having children is an expensive venture, and life never stops doing what it does.

@MySemiSortedLife Год назад

True that - I've got your latest Sunday video in my "play next" line up... I'm sorry I've been MIA

@childfreegamer8840 Год назад

Good for you! Acknowledging it is so important. So many people don't and probably don't even know how much debt they have. No one here is going to judge. We are in the same boat. And even if we weren't, anyone judging you isn't worth acknowledging. You've done well.

@SimplyMel Год назад

I applaud you for working to get on top of this dear friend! And let’s face it, most ppl have some type of debt so there is nothing to be ashamed about. It is really hard to balance needs and wants without totally depriving yourself particularly in the current economic climate. Happy to be your minimal spend buddy! 😘💖

@MySemiSortedLife Год назад

I've never had the income that we have right now... I just went super silly. Thanks for always cheering me on. x

@wunderwriter1 Год назад

I’ve been right where you are, feeling helpless and hopeless. That was nearly five years ago! You can do this, one debt at a time. Good luck! I’m cheering you on.

@belindacaston5354 Год назад

The most important part is that you are acknowledging it and doing something about it 😊 putting things on paper always makes my brain feel better about it ❤

@sheilafelix113 Год назад

You are making a big step! Facing what you owe is the hardest part. As you work the snowball it will become smaller. You can do this!!❤

@MySemiSortedLife Год назад

Naw - thanks sooo much for the encouragement. x

@rachalnocchi5600 Год назад

You are finding your way out of debt, and I am so impressed that you were brave enough to show how you are doing it. Wow!❤

@wyckedli Год назад

Nothing to be ashamed of! I’m excited to see your balances get smaller and disappear totally. You have this❤

@sarahsims9789 Год назад

Mel, nothing but FIERCE admiration for your transparency. I think it's brilliant to write it all down the way you have here, and I will try to do the same. Rather than make a budget where I spend all of my "pay" (carers allowance/weekly household budget) with no real organisation, you've inspired me to structure the outgoings, and focus on how to eliminate them where i can. I too am paying off an apple watch, and I am simply going to start cracking away at it.

@lornasalisbury6351 Год назад

Hats off to you Mel for sharing this video- no judgement from me. I totally get it. Love and hugs ❤️

@MySemiSortedLife Год назад

Thanks Lorna... it's really not as bad as it has been and I'm very lucky really to have the income.

@TheGoodMidlifeCrisis Год назад

Believe it or not (and you may know this already) but one of the hardest parts is now behind you! Getting it all down and setting up a payment plan is soooo tough but, once you get going, it really does get much easier. I hope you're able to stick with it and get it all paid off 😊

@palmiragonzalez4216 Год назад

It is but a little progress is better then no progress honestly

@GoingGreenMom Год назад

Huge hugs Mel! You aren't alone, I am really struggling to not go over on my credit cards every single month. I finally told the kids last month that they are just going to have to deal with not having everything they want in groceries, and opened a bill pay account, and am trying not to use the credit cards at all...... not there quite yet, but working on it.

@MySemiSortedLife Год назад

I think my biggest downfall was that I actually was earning some money that made a difference to our lifestyle for the first time ever and I went a bit stupid. I need to tone it down now..... a lot.

@GoingGreenMom Год назад

@@MySemiSortedLife the first time I tried to get debt taken care of I started with all the recurring expenses. Starting with subscriptions, and then even down to disposable products that had easy reusable replacements..... Like duster things or reusable straws (purchased in place of the run out of but needed disposable option so it isn't adding a ton to the expenses.... At first we didn't use or need straws, so I didn't buy them even though it seemed to be the first thing zero wasters were told to buy). At 1 point I cancelled Amazon prime and did a year without it to break the shopping addiction I had developed. I actually recancelled it last year and went to 1 monthly order for necessities we are running out of. At least here there is free shipping on orders above 25$ that would have qualified for prime. I add stuff to my cart through the month, then save for later anything that is not absolutely necessary at the end of the month. Last month I had been planning to replenish my son's shampoo, but he had enough to get by til this month. So he has the most economical option which was 2 big bottles coming this month. And a bottle of sunscreen, and it seems like something else, but it is only the kinds we use and know to work well and not a bunch of extras. If I know something is a want it gets added to the wish list, and maybe if it's small it will become a reward after so much debt is paid off. At least that is my plan. I had gone on a zero waste kick a few years ago trying to eliminate what we could, and that has been very helpful in keeping the needs low which wasn't an expected outcome. But reducing how much of stuff we used or eliminating it altogether meant it didn't need to be rebought again. I'm rambling, sorry, and not suggesting any of this stuff would work for you, but just things that helped me that I wasn't actually expecting. Of course now if I get out of control on spending I have less to cut out of the budget too. 🤣

@dianabanana9474 Год назад

Mel, don't be ashamed. I know in the US most people are in debt. I'm lucky not to be but I'm divorced with no children and get retirement. You are in a totally different situation. No one should be judgemental. I feel so bad for you and feel you are so brave to share this. I hope it helps just to get it off your shoulders. Love ya! 💕💕

@MySemiSortedLife Год назад

It helps to have your unfailing support. x

@suitelady1749 Год назад

You are on the way to getting out of debt by looking at the situation honestly. Best wishes on the journey!

@MySemiSortedLife Год назад

Thanks so soo much friend.x

@heartdeph4444 Год назад

I'm in the same situation Mel, there is nothing to be ashamed of, at least we do our part to solve the situation... You are not alone in this, we can do this

@Aliciaishere Год назад

Short-term pain for long-term gain! I found one of the hardest things was saying no to my children. Hoping they learn from my mistakes lol. Good luck! ❤

@kathaleenbayliss6586 Год назад

Hey Mel, just a thought , maybe you could go to your own bank and see if they can consolidate all of the credit dept onto one card, the bank pays out the other parties and you now pay the total back on one card, one fortnightly payment , one interest rate and I’m sure it will free you up where to can pay extra on it and in no time have that dept paid off , it’s great that you have a plan but hopefully this bit of advice might help as well

@normataylor3124 Год назад

It's great u r acknowledging what u need to do to fix your finances. Good luck on this journey. U can do it. Just make yourself stick to your plan.

@x_undefinedbeauty4109 Год назад

idk your back story and don't need to. We all fall into temptation and for many reason some people just aren't as good at managing money. I am one of those people. I admire you bravery and honesty to yourself. Best wishes on your journey :)

@MySemiSortedLife Год назад

Thanks so much for understanding. I really needed to face the numbers like this to really begin to change my bad habits. We’ve got this.

@rachelg785 Год назад

We've all been there, Mel... no sweat. I used the Snowball method to pay off debt in the past... is definitely a plan to consider. Worked well, and you get a burst of joy in seeing each debt get crossed off your list as you go.

@MySemiSortedLife Год назад

I have considered it and to be honest - things used to be worse than this - I actually have the money and flexibility to get this done in a realistic and achievable time frame..... being debt free doesn't just feel like a pipe dream now...

@barbarap6851 Год назад

Hi Mel! Good for you writing it down and making a plan. Chipping away at it, you'll get there! Hugs

@aprilboughton8716 Год назад

Good job tallying it all up! You can do this. The first step is facing reality. You are not alone.

@FrugalFunMum Год назад

Oh Mel, I just want to give you a hug x I'd seriously approach the bank and look at if they can help consolidate the loans and so you can massively clear out stuff and then I'd seriously look at your budget and start allocating funds / offset into bank accounts that you can't access and is immediately direct debit to companies / bills (it's what a lot of ADHD / impulse control people do to make sure they always are covered). For the next few weeks your going to feel absolutely terrible but you WILL get through this I know you! I'm going to be doing a video soon about setting up the most basic budget / idea as I've just had someone contact me asking how to help so this way I can do it semi detached as they say. I'm always here if you need to chat xoxo

@moniquef4737 Год назад

I second the consolidation and direct debit! it makes it so much easier.

@BudgetsWithELMA 11 месяцев назад

I know it is not easy to share our debt but it's the beginning of everything to tackle it, great debt confession video 👍

@melissaluttke3694 Год назад

I think the hardest part is starting and acknowledging where you're at. it will be hard for a while but it will get far easier. well done ✔️ and best of luck.

@randomhodgepodge8902 Год назад

We live in a world where buy, buy, buy is in our face. Because of online goods, buying is easier than it has ever been. As your pay check gets bigger, the more you spend. Even if you decide bankruptcy, it will still be an all uphill battle. You aren't alone. Simply facing the addiction is extremely difficult. Figuring out how to go about crawling out from under the mountain is a major feat. Worst part is the application of what you have learned. I look at the same way I do my so called diet. Fight the addiction! Daily basis. Rinse and repeat. I hate it! Nothing shameful about it. Our entire society has been built on it:(

@hannahmosley454 Год назад

There is no shame in having debt!! It happens. At least you are owning it and fixing it ❤ feeling you cause I know we are massively in debt too!

@MySemiSortedLife Год назад

It bites huh?

@Myeverydaywifelife Год назад

We had a lot of debt when we’re younger too, it takes time but you can do it! We had two cars loans and a house and card card debt etc 🙀 Hubby will be 60 in October and I’ll be 59 in September and we about to pay our house off and hubby is retiring and we will be debt free. We kinda did the snowball thing but not like Dave Ramsey does it and that was back in 1998 after we bought our first house. We were 34 & 35 yrs old at the time. We put everything extra towards thing with highest interest. But when we paid off our car we put that money towards the house etc we paid off our 30yr mrtg in 16 yrs. Then we sold that house in 2012 and bought another bigger house but that was the only debt since then. Everything was paid in cash in full since then. You guys can do it! You will get there! 👍👍👍

@Myeverydaywifelife Год назад

I remember we had about $7,000 in credit card debt at the time (1998) and in todays money that $13,000 🙀

@lot2196 Год назад

We cut up our credit cards 25 years ago. Paid off the house about 6 years ago when we were 52. Feels great. Not rich but I never worry or even think about money.

@Myeverydaywifelife Год назад

@@lot2196 that’s awesome!

@AbaitheyBeauty Год назад

Please don’t feel bad and I don’t blame you at all. We work hard spend most days at work , taking care of home, pay bills we crave entertainment and something to make us feel good. That’s why we shop eat out a lot or do other things that turn out unhealthy

@samanthabaines3578 Год назад

Lots of love to you Mel, only just started watching so not going to comment other than to say how proud I am of you to open your life up to us, you are an inspiration xxx

@MySemiSortedLife Год назад

I replied to this twice?? but it didn't save? I can't thank-you enough for your unfailing support. I truly don't know how I got so lucky.

@Lanzafan1 Год назад

I hope it's really helped you to get it all down on paper Mel. I always find it makes a difference to get worries out of your mind by writing them down. It's been addressed and you have a plan. In the meantime now I would leave it on that paper where it belongs and carry on living. It's just a piece of paper 😃 What difference does it make really? Your house is the same, the kids are the same, hubby is the same - so you be the same 🥰 It's just time you need now, and it will all clear itself. Love and hugs 🥰🥰🥰

@MySemiSortedLife Год назад

Naw. You’re such a blessing to me in so many ways. What a great point you make!!

@Lanzafan1 Год назад

@@MySemiSortedLife 😘😘😘

@chelseygable289 Год назад

You can totally do this! Don't let anyone knock you off your course.

@terryhenderson424 Год назад

First add no more debt. Second get caught up. Third pay on time. Fourth pay down balances. Sometimes (?often) you have to do things out of order like pay down some debt in order to not add more debt, get caught up, or get things paid on time. It is simply the way of the real world. Congrats for including the past due bills with your other debt.

@MySemiSortedLife Год назад

Fantastic advice and completely agree.... I have all the direct debits set up now - set and forget works best for me. I will likely be all caught up in less than 6 weeks. I'll share asap how.

@JulieR99 Год назад

I’m so proud of you, my friend!!! I’m always here if you need someone to chit chat with ❤ Go kick that debt right in the hiney. 😉

@MySemiSortedLife Год назад

You rock. Thank-you. X

@ClaireMooreSteel Год назад

Well done Mel. I had to do similar before our mortgage application. Now basically solvent-phew! It’s tough with kids and I only have two. Dreading the teenage years when they no longer want to wear supermarket clothes and trainers.

@84Tanyac Год назад

So brave of your to write everything down and face the numbers. The car situation makes me so furious for you guys :( you can really see when you write it all down how much the car has impacted getting behind etc in everything else. You seem like a determined and driven person, you will smash this in no time.

@MySemiSortedLife Год назад

Naw. Thanks so much for understanding. The car for sure changed our world. To be fair though - had we not bought the car I may not have had the courage to apply for the job I have now and it’s the best!

@julieanne7223 Год назад

Hi Mel, I am pretty sure everyone has had some type of debt in their life, so it is nothing to be ashamed about. Have you ever thought of talking to a bank and amalgamating all your debt into one payment, that way you are only paying one interest amount which will save you money and you won't feel so overwhelmed. We did it years ago when we were living on one wage and had a car repayment and a maxed-out credit card, After we did this we chopped up the credit card, and now all I have is the Coles card which I repay before interest is added. 😘 It was wonderful to hear you again!!!

@MySemiSortedLife Год назад

Yeah - I have considered that - but I probably wont do that in the next 3-6 months - I need to curb my spending first.... and hopefully offload the money sap that is the Audi.

@janinejackson9477 Год назад

So fantastic. Love your honesty. I will enjoy watching your progress. Have you considered approaching the bank and consolidateing all your debt into one payment. It makes you feel more in control reducing anxiety.

@jantaylor8879 Год назад

Thank you for your honesty💜 Best wishes to you 🫶

@regenadenham6257 Год назад

Hey you're acknowledging it and confronting it. Good for you!!!

@mcmcmanus9375 9 месяцев назад

I've also done this and getting debt free is so worth it

@MySemiSortedLife 8 месяцев назад

Thank you for sharing your experience. It's always encouraging to hear success stories like yours. Keep up the great work!

@GoingGreenMom Год назад

Looking forward to the next one. Its figuring out how to catch up that always gets me.

@MySemiSortedLife Год назад

You're the best Samantha. I seriously pinch myself to check I'm not dreaming when I read your unfailing and unconditional support....

@ourlittlegingerbreadhouse6000 Год назад

Hey girl, just came accross your channel so happy i did, new subscriber excited to support you ❤❤❤ i am trying to get debt freedom as well, we want to pay off our mortage and really focues on that❤❤ new subscriber excited to support you

@moneywithjustliving5258 Год назад

New Subscriber here! The confession is the hardest thing to do. But it is necessary for growth! Great job.

@MySemiSortedLife Год назад

Yes! Thank you!

@annecoyle5811 Год назад

Yes 10 bucks a week is nothing until you need the money to pay for food for your kids to eat. Top priority. I’ve been there Mel,more going out than what’s coming in. Being behind with everything from rent and all utilities bills. Borrowing money from my parents ( which was never really paid back) Eating one meal per day ,or leftovers from crap meals or what the kids left. , for years. that was in the very early 80s when my kids were babies Thankfully we have never had credit cards . Times got millions bettter but now in Uk prices, cost of living etc has been horrendous and everyone is suffering . Do we heat or eat. That’s what it’s come to. As someone who like yourself suffers from depression,anxiety and panic attacks,makes me wonder how long will I take it before something drastic happens. Makes me wonder,is it worth it? Only thing that keeps me going is my family. Thank you for sharing your struggle, I’d help you out if I could.. Keep smiling sunshine 🌞. You keep me happy with your so down to earth videos. X

@MySemiSortedLife Год назад

Anne... I have been thinking of you comment all day. I hope you're ok??? I'm worried about you. Please know you mean so much to me and everything is totally worth it. You brighten my life with just a comment and I can only imagine what delight and joy you give those in your real world. Hang in there my beautiful friend.

@annecoyle5811 Год назад

@@MySemiSortedLife Mel, I’m fine, please don’t worry about me I go through these stages but I’d NEVER do anything rash , I’m to scared to be honest , I have my kids, grandkids,and great grandkids to think about..you do so much to keep everyone happy and their spirits up.. I’m your number one fan sunshine 🌞 I’m ever going to leave you thinking I’d do anything bad. Imtooooooo selfish for that I’ve got a good life…just gets a bit mixed up at times. Anyway I’ve got to keep an eye on you … So keep smiling sunshine 🌞. You’re wee a gem Mel. X

@fuzzypeachmonkey 11 месяцев назад

I could hear your voice shaking and the shame in your voice. You can do this, and this level debt is honestly shockingly normal for most people. its kind of funny when you go on a debt repayment journey nd look around and realize pretty much everyone around you is probably in similar debt and just dont seem to care. Good luck. I would love to see an update that explains the habit changes or spending changes you plan to make to decrease your spending. Like "only eat out once a month" or "no new technology until the debt is gone."

@MySemiSortedLife 10 месяцев назад

Love these suggestions! I will keep the ideas in mind - thanks so much. x

@sacha7272 Год назад

Just super impressed by this video Mel, goodluck👍

@moniquef4737 Год назад

Also, if you're comfortable but can you do updates here and there (monthly?) on how it is all going? when do you hope to have it paid off by? If you aren't comfortable that's ok

@caramoonlynn Год назад

Nice video! Way to sit down and get it sorted. We just have business debt, but tge business pays a lot of our insurances and stuff.

@MySemiSortedLife Год назад

I was most worried about you being disappointed in me when I shared it... I don't know why - you've always been my bestest supporter... but... I know you know I made some silly spending decisions.... lol

@TheImperfectReader Год назад

I really needed this video. Thank you. ❤

@patriciaalldred1036 Год назад

Great Video - you always keep at real. You’ll get there❤

@squadmeta Год назад

The interest rate on that car loan is insane, they shouldn’t be allowed to get away with it.

@LeoInAMillion Год назад

No judgement here either. I'm in the UK and it's hard for a lot of people. I'm lucky that my income is way in excess of my outgoings, but it wasn't always the case. Most of us have been where you are, you will come through it.

@MySemiSortedLife Год назад

Yes - provided I stop spending stupidly I will earn more than I spend too....... hopefully. lol Thanks for your support.

@jeanmarshall0017 Год назад

Can’t wait to see those numbers go down for you!

@MySemiSortedLife Год назад

Thanks. They are already. I need to update.

@ellenstam-mulder3002 Год назад

you are tackeling the beast i am proud of you. go for it. big hug Ellen

@emmcguire94 Год назад

Good for you! Does it feel better to have it written down and less of a mental load? Or is it more confronting? Are you able to do a balance transfer of the cc to a no interest loan? What is your strategy going forward? Are you going smallest to largest total, or largest to smallest interest rate?

@MySemiSortedLife Год назад

Not gonna lie - it was like a bit of a kick in the guts when I saw the big number - but once I started to work out a plan it felt really achievable. My strategy is to get all the little amounts cleared... then snowball it I guess... smallest to largest?? I'm not sure. I just mostly need to stop spending.

@margaretsofocleous1999 Год назад

Your awesome Mel. You will sort it. I have procrastinated with sorting Spyros affairs out. I just can't get myself started after initially doing a lot . Law of Inheritance complicated here I Cyprus if you die withoutt leaving a will . You are amazing

@leslieporter7418 Год назад

Oh those pesky children and all their needs! Why cant they just run naked and forage for food?!?!?!?😂 Seriously - you have taken the first few steps: 1 - 'Owning' it (so hard) 2 - Making a 'do-able' plan 3 - Setting up auto-pay (so no more late fees!!!) For inspiration, I highly recommend the 'No Spend Challenges' posted in 'A Hoarder's Heart' videos - she has caught up, become (and remains) debt free - she even shares cute graphics you can use to visualize your progress Best of luck to you on this journey - its a tough one (I speak from experience)

@kyliestewart2001 Год назад

This does give me anxiety for you. I can’t even imagine however I think a lot of people are in similar positions. Life is expensive atm. Be kind to yourself. Xx

@MySemiSortedLife Год назад

Thanks so much. I’m sorry to stress you. To be honest although the debt is higher than ever - we’re also in the best financial position we’ve ever been in. I just need to stop wasting my money!!!

@emmagroves7919 11 месяцев назад

You should be proud of the choice to start well done it’s hard but worth it xxx

@franskie1697 Год назад

Go Mel! You can do this my friend❤ lots of love Fran ❤

@MySemiSortedLife Год назад

Thanks Frannie! x

@karenturner7983 Год назад

No judgement here. Thanks for sharing.

@MySemiSortedLife Год назад

Thanks so much Karen. I miss you! x

@karenturner7983 Год назад

@@MySemiSortedLife I miss you too! 💕

@palmiragonzalez4216 Год назад

Pay of one debt at a time we all make mistakes we just have to learn it’s ok,

@lectora6046 Год назад

Hello Mel, I haven't told you anything for a long time, I lost your address when I took my computer to the technician to clean it up because a virus entered me and everything was damaged. See you tomorrow. A beautiful hug.

@MySemiSortedLife Год назад

Oh my sweet sweet friend Lectora. I can’t tell you how relieved I am to see your name here. I haven’t been very regularly uploading and I thought I lost you or something awful happened to you. I’m so relieved it was just your computer. I look forward to catching up.

@lectora6046 Год назад

@@MySemiSortedLife You are a sweetheart of a girl, thanks for your good wishes, I will follow your posts again. a kiss.

@TheImperfectReader Год назад

You have excellent penmanship. 🎉

@GoingGreenMom Год назад

You have really pretty handwriting Mel.

@MySemiSortedLife Год назад

Oh - I think it's sooooo messy! But it is definitely something I want to improve on.

@mandradenney8317 Год назад

Nice work!

@janejones1797 Год назад

You can do it! You’ve taken the first step, and you’re on your way! Don’t laugh, but I had to Google what “fortnight” means! 😅

@casey012 Год назад

LOL, I had to too!

@MySemiSortedLife Год назад

Lol. I’m soooo sorry. I should have remembered it wasn’t a universal term.

@CalliopeFprincessice Год назад

In the US we can go bankrupt and wipe out the debt is that something that you can do where you live ? my mom and dad are currently doing this because of medical bills (breast cancer)

@ykook7000 Год назад

You don't go bankrupt for poor choices she has admitted it herself ....

@MySemiSortedLife 10 месяцев назад

Oh I'm so sorry for your mum and dad's struggles. Cancer sucks. Thankfully medical bills are not a thing really here in Australia - at least not at the level I see others in US have to endure. Hugest hugs.

@MySemiSortedLife 10 месяцев назад

Haha @ykook7000 aint that the truth! lol

@mariacastillo3090 Год назад

Thank you sharing. I’m starting with you as well. Will your follow ups be monthly? I know that you’re very busy.

@MySemiSortedLife Год назад

At a minimum my friend.

@GoingGreenMom Год назад

I'm really surprised at your interest rates. My credit cards are like 26.99% APR. And anything overdue typically adds fees and possibly percentage interest above that.

@MySemiSortedLife Год назад

Yeah - it's on a payment arrangement thing - I think that's why they're so small.... if I take cash out from the cards then it's like 20+%

@terryhenderson424 Год назад

From what I can see, you'll have the o/d electricity paid off this next pay as well?

@MySemiSortedLife Год назад

Yep - and I'll continue to pay around $75/week so that I'm never behind on my bill again!

@terryhenderson424 Год назад

@@MySemiSortedLife When and as things slow down for you a kiss, you've got enough room to breathe, and have reduced enough stress to think - Start working on little measures to reduce some of these bills. Realize that you may not see a steep decline (or even a wibble in a line chart, shorter bar, etc..) but that a little here and there on say the electric bill will add up in time and with the all predictable future rate increases. For some reductions it may require some "investment purchases" such as LED light bulbs over CFL and incandescents; buy a few each pay so that the usage savings begin to pay for the next purchase. Also explore what is called "ghost energy", attempt to reduce it, and maybe even invest in surge protecting power strips so you can completely power down clusters of electrical devices and appliances. If you can see gaps of light around exterior doors and/nor under (and around) the garage doors begin exploring weather stripping solutions; there are many and you do want to think about what would be best. Longer term are what are called "window dressings" (curtains, drapes, blinds, valances and box valances, and roller shades of different t types and designs). These take an R-value, hardware, aesthetic, and cost considerations. Check out your local Re-Hab and thrift stores for potential hardware; check out yard sales and thrift stores for potential drapes, curtains, and valances. Often what protects the interior from the cold will also protect it from the heat and the less you need to use heat or a/c, the lower your electric costs. Still, some decades ago we (ok i) established a rule and that is the heat does not go in until folks are wearing at least long pants, long sleeves, socks, and some type of foot covering even if flip flops and California Beach wear are in style.

@dehartaz Год назад

Sounds like your saying “fort night”. I think I got it was per check. Do I understand right. You go this. Can’t wait to see you pay it down!

@MySemiSortedLife Год назад

Lol. That’s what we call bi-weekly in Australia. “Fortnightly”. That’s how frequently my family is paid.

@dehartaz Год назад

Thank you!

@terryhenderson424 Год назад

From what I'm seeing....You've got a fair amount of cash flow mandatorily directed at "catch up" in the next couple of pays or fortnights. While its not part of the Dave Ramsey plan, as soon as you've a kiss of a cash flow break I would be putting some extra balance paydown on both the @$6k and also the @$7k asap to get thier amount owing far enough below the limits to prevent overage fees. (Its part of that add no more debt tenant.) And then take a second look at what to tackle next. For myself, I would be taking an approach to try to minimize monthly minimum payments. This may take some hopscotching around every so often. While it is only @$5 minimum payment saving payoff, once you're "safe" from overage fees on the 2 cards it might feel good to wipe that @$76 phone bill item off the list. IF your carrier will allow you to pay off self selected individual bills.

@MySemiSortedLife Год назад

Yes - you're so right - nothing a little creative accounting to get it down. I have just reduced my phone bill by over $150+/month by going prepaid and paying $100/month - but that $100/month now pays for 6 services (instead of 2) - including one for my mum (it's nice to help her a little...) and both the highschoolers and eventually the littles when they get bigger. I'm def keen to clear the little amounts off of the bill if my carrier will let me - as soon as the catch up is made...

@RebeccaShepherd Год назад

Mel you are doing an amazing job sharing your personal situation and getting on top of it. You will smash that debt in no time.

@MySemiSortedLife Год назад

Thanks our Bec. How did I do life without you... you're like a personal cheerleader! x

@RebeccaShepherd Год назад

@@MySemiSortedLife just th6obk you owe about a year's wage and then you are clear

@MySemiSortedLife Год назад

@@RebeccaShepherd lol - if I didn't have to pay regular bills. lol

@TaniaKotej Год назад

You can do it 💪 !

@MySemiSortedLife Год назад

Thanks Tania x

@sonyahubbard3226 Год назад

Bless. What is afterpay?

@MySemiSortedLife Год назад

It’s this payment thing where you buy something, get it straight away - but spread the payment for it over 4 payments two weeks apart. So. While I wouldn’t buy 1 x $100 item - I will buy it if it’s “only” $25 every two weeks! 😂 it adds up. Clearly.

@tahneeblazekovic7634 Год назад

Are you still working did you say you get paid 1500 a fortnight or is that weekly thanks

@MySemiSortedLife Год назад

Oh I don’t know why I said that amount. It’s not entirely accurate. It’s what I get clear into my bank account every two weeks - but I also have a salary sacrifice card and the family tax benefit and my husband’s income. So. It isn’t even remotely accurate in the full sense. Sorry. I will clarify in the next video.

@mcmcmanus9375 9 месяцев назад

Worth checking out Dave Ramsey

@MySemiSortedLife 8 месяцев назад

Yes - I am familiar with his work. I've also read "The Barefoot Investor" who is Australian. Super helpful

@moniquef4737 Год назад

judgement free zone