I feel you on that attack your cards like a maniac. It made me laugh because that's what i'm thinking in my head all the time. I make so many payments a month it's crazy. One little trick I use is even when a payment is not due, i'll look at my checking account balance and if the ending is lets say $974.23 I will send the $74.23 as an additional payment. And I do it all year long. It puts a big dent in things.
Tip, when you get the 0% balance transfer card, setup an auto payment. Once that is done, DO NOT use the card. Only use it for that balance transfer. Pay down your credit card.
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I just got approved for the citi Diamond card and it has a 0% APR for balance transfers for 21 months! About to take advantage of it 😭
I just got the same card. For 21 months also. It was a God send. I had a large personal loan that was $760/mo. Now i'm paying less than half of that a month. Now i'm able to redirect those saved funds towards other bills that have an interest rate.
I started being more intentional with my financial freedom goals at the beginning of this year. Listening to your experiences and wisdom has encouraged me to be patient in this JOURNEY
I wasnt financial free until my 40’s and I’m still in my 40’s, bought my second house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing is a grand choice I made. Great video! Thanks for sharing! Very inspiring! I love this
Not quite long I started investing. I'm very curious and need help on how to enhance and increase my returns. Any good investment tips would be appreciated
@@skoopqueen I don’t really believe in luck. I learn from one of the best. Gaining from investing is possible if only you can control you emotions, always sticking to the original plan ( cutting your greed to acquire more profit with a particular trade). I had a similar experience in the beginning until I met a professional her name is REGINA LOUISE COLLARO she is quite popular for her services, she made me financially stable investing through her help now I earn on a monthly basis through her passive income strategy... So I’ll advise you do get a good Investment advisor for yourself.
@@skoopqueen I have had the intentions of starting investing. But I always thought it was late and I think I need to stop procrastinating. I will definitely 🔍 Regina Louise Collaro and see what she can advise .Thanks a lot . This was of so much help to me .
@@eadad4371 You can easily find her details online by searching her name. She even got featured on CNN recently, she's quite easy to work with irrespective of your location
Thank you for your help. I was out of debt, savings in check, and emergency funds filled, then had a really rough summer with two deaths in the family. Sadly I had to clean out my emergency fund & Savings.. not to mention pay tuition for school... I'm tired. Overall, I got hit with credit card debt averaging up to $3200. Not too bad, but it's heartbreaking to be in this position again. 🥺 wish me luck on my debt free journey. Your tips are so helpful. ❤️
I feel you. I was in the same position and then other peoples' nonsense and suddenly I'm back in the hole again. I'm tired having no life and panicking when the month and the money don't end together and there's other people in the house who think the electricity bill is just a rumour.
I feel your pain. I was never in any type of debt besides my car. I was happy-shopping earlier in the year when I was “sad” and here I am. I wish mine was 3200 Chilleeeee
@5:54 mom life, 😀 I swear my kids wait until I’m on the phone or busy to interrupt me. I used to get aggravated, but now I just smile and go along and see what it is they need.
Please help me make my credit better I’m retort my credit journey as you say. I messed it up when I was a lot younger. Now that times past I’m getting a second chance. My credit just went up yesterday from690 to 705 so I’m so excited. I don’t know if what I’m doing is the right way to do things. Please help me you seem very knowledgeable and intelligent.(gorgeous)no disrespect lol. But I would pay you if you could show me what I need to do and if what I’m doing in wrong decision or the right one. Im just confused and want to make this work this time around and build a better life and I know having credit good credit is a must. Please help me. Thank you so much. Have a wonderful weekend and a great 2023.
One thing you can do to raise your score fast is to see if your parents, friends or someone you know have a credit card they can add your name to. You don’t even have to use the card and it’ll show up on your credit as a positive and raise your score up within 3 months. I’ve done it for my kids and their friends. Hope this helps!🙏🏽
Hi I got 3 new cards I did need up my utilization by waaay over spending but I paid the bill in full early. But my score went waaaay down ???? Dropped from 705 to 585!!!????? Why?and will it go back up soon? I need to stop using them and keep my utilization down but I paid it in full. Why would it drop ? Can u pls tell me ? And let me kno if it’ll go back up? Thank you so much
@@danielbakoian4435 it should go back up but it also depends and how many other credit accounts you have. Student loans are looked at as “good debt”, and how many years you’ve had a credit history. Also look to see if something else may have hit your credit report that you may not know about. I had bad credit for years b/c I didn’t have credit was too scared to screw it up but the only way to do that is not never establish any lol. Things will turn around just not Sure how fast. Hope this helps🙏🏽
@@richgirl3457 Thank you I will probably be nothing you agin for more help. I don’t have any student loans and all my credit is 6 months or less the real actual 3 credit cards I got are all less than 3 mI the old and I’ve got 3 credit builder accounts (Cred.AI, secured card) (Atlas Card,secured card and Kickoff account that I pay 5 bucks a month for a year. So I’ve got 6 cards that will all eventually report to all 3 credit bureaus. Not all are old enough to report. So you think it’ll go back up? I’m so worried it’s all I think about. I paid everything but then went and used the cards again but I’m gonna pay them all again in the next 2 weeks I’m full. Then I’m gonna leave them alone. It was all from Christmas. I hope it’s okay that I bother you with advise and questions. Thank you. Have a wonderful night. Really thank you for responding and helping me. 🙏🙏🙏❤️
@@danielbakoian4435 No bother at all. And yeah it may just take some time. I can identify with being obsessed about credit score. I was turned away many times, but my higher power let me see that not only was I trying to build credit I was also feeding my ego b/c I wntd to brag and be able to buy EVERYTHING I wntd lol. Saying all that to say I’ve been where you are and if I could give my younger self some advice I would tell her to be grateful for all that you have and be present in the moment trust god and know that you have nothing to fear, you have everything you need and all is well. Hope this helps🙏🏽
Once you get your credit card debt contained into 0% APR offer(s), you're on your way! By the time the offer ends, chances are the card companies may have a brand new 0% offer on an existing card, so you can re-refinance what's left (without even having to apply to a new card). Just make sure you're moving forward, even if slowly, during the promo.
Great advice! I heard of this option but was skeptical, however you have shed some insight and now I'm definitely researching more. Question, were you able to put both cc AND car loan debt onto these cards? Did you use separate cards for each?
Just get a line of credit through your back account... then pay your credit card in full and pay less in interest on your credit line. This is what I am doing...
If I don’t get the debt paid off in the 18 month time, can I transfer it over to a new card to reset the no interest back to 18 months and keep going? … I understand there will possibly be transfer fees but besides that, is this an option???
A lot of miss information here. 1.) chances of getting a zero apr credit card when your utilization is over 80% is slim to none. 2.) most really good credit cards that give the best perks come with an annual fee. However, if used correctly, you perks will heavily out weigh the small annual fee.
Actually no, I agree (somewhat) with your 1 point. Yes you need a certain score to access these cards. I’ve had 3 with 0% intro periods and there’s no annual fee. But I appreciate you for sharing your points.
Question???? I am trying to pay off debt and I don't like due dates (LOL). I have decided to pay one of my cards off and put all the monthly bills on it while trying to pay off the other 2 cards that I have. Do you think that it would be a good idea to put monthly bills on a credit card.
I tried to use this strategy once but I failed because I opened a different type of credit card from the same bank. That bank has a rule that you can’t transfer balances from the same bank.
She is talking about a transfer. Tranfer the money to another credit card. Offers 0 or very low APR for 12 months or more months to pay off the money faster. Yes it seems like taking forever to pay mine off because of the high interest rate. Thinking about going this option. Or pray like mad that God helps me.
All I know, if someone shares information that help them out and could help others……they are on the right path to more success! Keep being a blessing to yourself and others! Awesome Content! I absolutely wish you and your family the best!
Be patient with little man. Hes asking because he doesn't know. You want him to always feel comfortable/safe asking you questions. We'll wait!! Nice video!!!!
Listen, that moment when you had to stop filming to be a mom and then come back WAS EVERYTHING! Honestly made it feel so much more relateable and I tuned right back in because I was zoned out for a moment. Thank you for all that you do! I have the same "never gonna get this done" feeling and I really needed that!
Thanks for the video. I just did this. The only problem was the new card didn't have a high enough credit limit to cover my entire debt. But every lil bit helps. So now I have 2 cards to pay, but one is at 0% APR.
Most credit cards continuously offer the 0% promotion so If you still have a balance after the intro, flip it to another 0% card.... and just flip flop between them till the debt is gone. Most credit cards didnt offer the 0% during the "shut down" but now they've been revving up the offers.. If you cant get approved for a card that has a 0% intro APR, some cards offer 1.99% interest for your paydown...which is still a lot better than the 18 to 24 %they normally offer
I used a 0% interest card to buy my new couch, my wife’s wedding ring (she likes diamonds) and my half of our IVF payment. I had 15 month to pay it off and I got it paid off a month early!!!
I’m glad you were able to pay it off. That was about to start to sound scary. None of that was cheap. Especially the IVF. I hope that went well as well.
I got $14,000 on one card. Only thing I can do is pay over time. One year I would need to pay $1200 a month. I currently pay $350 a month. Make more money lol
Yup, I've used this strat too. I also opened up a Journey student credit card from capital one that requires low credit, so I got a higher limit. After 6 months of successful payments of just charging my Spotify on it per month got me an additional 3,000 on my card and lowered my utilization rate
i have been trying to fix my credit till i was recommended to john and he boost my score .. check him out he will do the same thing to you that you can never imagine___ look up is details._
Covid put me in a hell that I’m dying to get out of. This makes sense but at the same time I’m terrified to try it even with working 2 jobs. But I feel like this is literally my last option. This was a great video! 👍🏼
Same, my health has been changed so much I can’t or don’t feel like I can work 8 hours anymore. I cancelled all but two credit cards and got all but 4 down to 0% and two of them lowered my APR and the others are almost paid off. I refuse to go in credit card debt again. It’s horrible at these current rates. Do not have more than one-no matter how good that first deal is.
Thank you for not trying to preach side hustles. As a parent of 3 with a wife working nights, 90% of side hustles aren't a realistic option. I've seen many videos with your process as well. But most also push getting a side hustle on it as well. Thanks for being real, and even throwing in the interuptions from your sweetheart of a kid. I appreciate ya.
The worst mistake i can make is not to say "Well Done" But I'm not such kind of fool who doesn't have the eyes to see the progress. You really did it very well. Great Job *Kutechie.* This is a great credit achievement for you, as well as for our company. You have shown us how to finish a tough task very smoothly. We have many to learn from you.
You're story is so moving, you're a bada$$ mama. Thanks for sharing and helping others! "My little payments were being eaten alive", ugh, that's SO ME NOW. Trying to get serious. ❤❤❤
I use every 0% interest offer that my creditors send me. It truly helps doing the balance transfers but you need to keep yourself in check or you will be back to square one.
What do i do with the newly paid off cards after i transfer? If i close them will it hurt my score? Im not mature enough to keep them open and not spend. And im 48! 😂😂
i have been trying to fix my credit till i was recommended to john and he boost my score .. check him out he will do the same thing to you that you can never imagine___ look up is details._
