Sick of debt Saturday💚🖤 | $105 | Debt confession😩 

Girl! Preach! I am a charge nurse and all I hear from upper management is you are fully staffed! 😮 I am like where? You counting the chairs? It’s always the people that don’t know medical that make the decisions! Hang in there! This too shall pass!

I was an RN for 35 years and retired from it and went back into business. I saw the changes coming in medicine and didn't like it. Something needs to happen. I even hate going to the doctor and no offense but I see so many young nurses that simply were not trained properly and it disgusts me.

I understand the need to do something for your mental health when it comes to nursing. I am currently on a sabbatical from being an RN. I worked ER and was in covid ICU and just couldn’t handle all of the staffing problems and the insurance problems and the people being treated like numbers. It’s a lot. it’s why I found this community. Not working for the past 9 months has made me recheck all of our money habits. I would rather go without certain things than continue down that dark path. I am now considering different rn jobs. We shall see how it goes. Doing something different could be the best thing that ever happened to you. Change is scary. It’s okay. But change is also where we sometimes grow the most. You got this!

To make a dent in your high interest credit cards, you need to pay the minimum plus the interest. You will start to see it go down.

Hang in there! God will show you where you need to be, trust him. As usual a great video!

Hey Jamie. Thank you for your confession. Times are hard especially in the health care system or anything related to it. I’m a social worker and it’s just as bad. Thankfully I have found a position I love. 😊

Sending hugs. I full understand the work thing. It's why I stepped away from teaching.

Congratulations to the winners! I completely understand the work thing. I’ve been there. When you go for the job interview and it still doesn’t feel right, you can still tell them no.

I understand! Nursing isn't what it used to be. It's really bad.I'm thankful I was able to go part time which helps alittle.

Hi Jamie, The anxiety in your voice is noticeable as you explained what is happening. I am so sorry that this crossroad of change has presented itself to you….but you already said that you will follow God’s prompting. Many prayers for you for discernment and comfort❤🫶🏼 6:18 oh no that 28%😮 10:57 yay for Nebraska!! I think Budget with Mama Bear is in Idaho so maybe she will see this 😂😂🎉🎉

I can't stand change either. I love consistency and change in the workplace is so stressful. Thank you for the awesome videos! 🩷

I’m so sorry work has been a stressor for you❤. I hope things get better! So glad I was able to help you fill in your Etsy tracker! 😁

Hang in there. Change can be a good thing. Maybe you need to step away from NICU for a while and work in a different area. Nothings says that you can't go back to NICU in the future. Also, Yes look into doing 0% balance transfer for the credit cards... another option you may want to look at is a Home Equity Loan. Since you have the equity... Just really look at the fees and all the expenses involved in doing that. You could consolidate your student loans, and credit cards into 1 payment. Just something to look into.

💕💕💕💕sending you hugs. Have you tried calling the credit card company and say that you have been paying on time and can they reduce your rates. I have done that twice before and if they can drop it 10%, that will help! I would try to reduce the interest rate first, because you have had that card for a while, it will keep helping with your credit score. Personally, I would keep paying your federal student loan at the minimum and nothing more. I would put any extra money to the highest interest rate card, I am not a financial expert by any means, but I am always available to bounce things off of if you need to figure stuff out.

I'm sorry things have been rough lately. Hoping they pick up soon. ❤ The 0 percent credit cards are great IF you can pay them off before the promotion ends. Many of them will charge the interest back to day 1 if not paid in full. I have one and life happened, and I couldnt pay it off. Got hit with a ton of high interest. Still paying on it. But I have a smaller one, that I paid off and it was sooo worth it. This one also had a clause that if there was a balance left, the interest would only be charged on that balance. I would look into one like that, if you can. Also, they all have different promotional periods. My smaller one was 18 mths, so I knew I could manage it. Hope this helps

I'm sorry, Jamie, it will work out for you follow your heart . Change is hard and scary my friend ❤. New cc with 0 % interest makes sence. Yes I have and it helped me so much just pay off the new cc as fast as possible the rate will go up after promo and they will get you. it goes down so fast its amazing

Thank you for sharing your thoughts with us. I wonder if that’s what all my drs are retiring. Just had 3 in the last few years. Great job, Jamie! 😊

I am so sorry for all the stress and anxiety you are facing at work. I cannot imagine the stresses nurses have to go through, so thank you for all the work you do. I want to commend and thank you for also posting videos while still having a positive attitude for us in the midst of this hard time. 💜 Thank you for the vulnerability you have shown through your debt confession. I have fear and anxiety towards my credit card and student loan debt because I am still in the school. I am scared of the final amounts once I graduate. In spite of this, your videos and attitudes towards debt have shown me that it is possible to tackle it through challenges. Thank you Jaime for everything you have done for me! I am so lucky to have found your channel ❤

It is so sad that hospitals are more concerned about the bottom dollar than patient care anymore. I can’t imagine what that feels like for someone who literally just wants to help people. I’m so sorry girl. Girl, the credit card debt is such a stressor. We consolidated ours into a personal loan (the debt I’m currently paying off). It was a smart move for us because we went from having almost 30% interest, to 7.99%. We saved about $500 a month in doing so. I know it’s not something for everyone, but it was a smart money move for us! ❤❤❤❤

Congratulations to the winners 🎉 Healthcare has become very corporate.

I'm sorry your work situation is stressing you out but believe this too shall pass. 0% APR credit cards have worked tremendously well for me because all my monies goes towards the balance and not interest so I was able to pay off two cards.

Please consider looking at a local credit union to you for a possible consolidation loan. They tend to have lower rates, if a balance transfer card doesn’t work for you guys.

Congratulation to all the winners. I believe that when somethings is put into your path from higher up you must listen. He wouldn't put that there if he didn't want something better for you. I'm sorry you are weighted down if all these worries. I hope things get better for you.

You absolutely can get a card with no interest for a period of time. I’m not sure about your husband because of the high balance. I would look into a personal loan for his card. At the very least it will cut his interest rate in half and you will have a payoff date. I’ve done this a few times and I am consumer debt free now.

I can’t believe I was a winner! I sent you a message on Etsy! Awesome video💕

So sorry you are having a hard time. Pray about it. Sending prayers and hugs.💙💙

I feel the same about my student loans, I pay so much and the balance never goes down.

TY for sharing your blessings big hugs from Coco 🌺

Call the cards and see if you can negotiate a new interest rate. If not look into another card that will take a transfer.

I’m sorry work is not going well at the moment, I know how that anxiety feels. I’m from the uk so I can’t give any specific debt advice for the us but I would definitely look into zero or at least lower interest rate cards/loans. Even if you can’t transfer the whole amount, transfer as much as you can and just pay the minimum for the moment while you work on paying off the rest of the higher rate cards. That way you are at least lowering the amount of interest you are paying out.

Congratulations to the winners! 💜💜🙏💜

Try a balance transfer card. Those were game changers for me! Or you can try a consolidation loan. The interest may be lower than your current APR on your cards. Hope this helps! ❤

Congratulations to the winners!!!

Hugs so sorry about work! I would definitely look into a balance transfer card or a consolidation loan for the high interest cards! I appreciate the snowball idea by Ramsey but it is more fiscally sound to lower the interest when you can!

❤❤ congratulations to all the winners

That is why I changed my position in nursing.

Congratulations to the winners 🎉

Just placed an order from Idaho ❤

Omggggggg!!!! I won! Thanks sooo much!❤ I will email you on etsy!

Darn it!! 1.00 IOU!! 🤦‍♀️

Happy Thursday! Great video 💗💗💗

Praying for you my dear! ❤

Hey friend, here catching up!

I understand about work 100% 😢

Hey Jamie, I'm sending prayers your way; hoping that things will settle down. Whatever happens remember that you have unique skills, not everyone can do the job you do each day. Therefore, I believe that you can find a job that doesn't create as much stress as you are going through. Stress kills!!!! Please do what is best for you and your family! 🥳Congratulations to all the winners!🎉

Hello Jamie. It is a very hard time for people who care to be in the Medical Field. Nurses used to be the people who mattered the most to the patients, now they are not given time to care. I do not know what it is going to take to get our medical care changed in this country. What I do know is as an aging person, I am terrified of Hospital Stays that may be in my future and that makes me very sad. It is okay that you are not bubbly. Being upset about it means you care and are in the right field. You just need to find the right position. Many decide to pay the highest interest debt first and not the smallest. Getting a zero-interest transfer can work, but, only if your spending is under control so you do not run up more debt. Also, do not get more on a transfer than you know you can pay off in the time period or they will tack on all the debt at the end.

Great Video Jamie, love the honesty. I’ll be praying for you and your job situation. Have a blessed week ahead. Congratulations to the winners.

that budget is old school. get with it

I’m so sorry for what you’re going through at work. Although I’m in a different field there have been some challenges in my office as well. You’re a great person and I know that if you’re following where you think God wants you to be then it’s where you’re supposed to be. I’ve been there too. Sending you lots of hugs and positive vibes, you got this.💜💜 Great job on your savings today, it was nice to hear you giggling more.🩵🩵🩵 Congrats to the winners!!🎉

Good luck with your new journey summer time is always kinda crazy and lately everyone has been tightening their belts. You can always go back too sometimes a little change helps you grow as a nurse. Then when mgnt changes go back. Save your sanity:) Love your videos

Healthcare is getting more and more bottom dollar mindset instead of care centered. I’ve been working in it for 30 plus years (not nursing). It’s harder and harder to go to work lately but I got to pay bills. Prayers for you to have strength and peace with your decisions. I try not to let work steal my joy but sometimes it is hard. ❤

With your credit score increase you should check into applying for a o% or lower interest card. You can transfer the balance and pay off quicker. But I’m also not the best person for advice so pray about and check into it. You can apply but you can always refuse the offer.

Jamie I am so incredibly sorry you are feeling the way you are about work. Just know God is only going to give you things He knows you can handle!

Congrats to the winners.

I’m so sorry with work I get it I was cardiac surgery icu and left bedside a year and half ago I was having health issues from it. Do what is best for you to make you happy again ❤

We did Citi diamond preferred 0% balance transfer apr for 21 months! We won't need the whole time but it's nice to know that if something happens that is more than we have that we have extra time!

So sorry about work. I hope things get better for you!!!! I am in the same boat with credit cards, just a lot more of them to try and pay off. That interest is a killer and so defeating at times!!!

Hi Jamie ❤ sorry work is so so stressful! Healthcare is so tough especially now a days! 😢

New subscriber! Thank you for being in NICU nurse definitely have been there many times and an NICU unit4 of my children were NICU babies. My twins were extreme preemies at 26 weeks. And NICU nurses are absolutely phenomenal, kind, caring, and amazing with little ones!

🌸🌺🌸🌺

😊

🫶🏼

I’m sick of debt every day 😂

I hope your anxiety will go away when things are moving along. I know i hate change too so much. 😣 I hope u are feeling better soon.❤ ❤❤ I had a nursing job many years ago and it was awful place. 4 years i worked there. Every day i get home crying that i hated that place. My boss think that i was young so i had to work every day of the week 18hours a day. Young people in her mind can do too much work. So i get burn out. And divorced at the same time. And my boss threathen that if i get sick leave i would not have a job anymore. I was so tired and sick for this job anyway. So i quit my job. And say to my boss f you. Try to get someone to do my workload. That wont be easy. And still there is no worker there who wants to be in there after one month😂.

Hope things start to improve❤ have a great day

🤗🤗💚💚

hope work and sleep get better. my daughter was in the NICU so I can see how passionate NICU nurses are! congrats to the winners