20K+ Debt Confession | 2024 | Debt Payoff Journey & Plan

20K+ Debt Confession | 2024 | Debt Payoff Journey & Plan | Low Income

Рет қаралды 2,050

Ай бұрын

Caleb Hammer's Financial Audit. his content is very blunt but i 100% recommend it
@CalebHammer
💜ᴡᴀɴɴᴀ ʙᴇ ᴀ ᴍᴇᴍʙᴇʀ? :𝟹
ʜᴛᴛᴘs://ᴡᴡᴡ.ʏᴏᴜᴛᴜʙᴇ.ᴄᴏᴍ/ᴄʜᴀɴɴᴇʟ/ᴜᴄɪ𝟻𝟽...
💜ᴡʀɪᴛᴇ ᴍᴇ!!
ᴀᴍᴇᴛʜʏsᴛ ʜᴏʟᴍᴇs
ᴘᴏ ʙᴏx 𝟷𝟷𝟸𝟻
ᴍᴀᴜʟᴅɪɴ, sᴄ 𝟸𝟿𝟼𝟼𝟸
ᴛʜᴀɴᴋ ʏᴏᴜ ғᴏʀ ᴡᴀᴛᴄʜɪɴɢ! ʜɪᴛ ᴛʜᴀᴛ 'sᴜʙsᴄʀɪʙᴇ' ʙᴜᴛᴛᴏɴ ᴛᴏ ɴᴇᴠᴇʀ ᴍɪss ᴀ ᴠɪᴅᴇᴏ. ʟᴇᴀᴠᴇ ᴍᴇ ᴀ ᴄᴏᴍᴍᴇɴᴛ! ɪ ʟᴏᴠᴇ ʜᴇᴀʀɪɴɢ ғʀᴏᴍ ᴏᴛʜᴇʀs ᴀʙᴏᴜᴛ ᴛʜᴇɪʀ ᴊᴏᴜʀɴᴇʏ ᴀɴᴅ ᴡʜᴀᴛ ʜᴀs ʜᴇʟᴘᴇᴅ ᴛʜᴇᴍ!
💜ᴀʙᴏᴜᴛ ᴍᴇ: ɪ ᴀᴍ ᴀ 𝟸𝟸 ʏ/ᴏ, ʟɪᴠɪɴɢ ᴀʟᴏɴᴇ ɪɴ ᴀ ʟᴏᴡ-ɪɴᴄᴏᴍᴇ ᴀᴘᴀʀᴛᴍᴇɴᴛ! ᴛʜɪs ɪs ᴍʏ ᴊᴏᴜʀɴᴇʏ ᴏғ ᴄʀᴇᴀᴛɪɴɢ ᴀɴᴅ ғɪʟʟɪɴɢ ᴍʏ sɪɴᴋɪɴɢ ғᴜɴᴅs ғᴏʀ ᴛʜᴇ ᴍᴏʀᴇ ɪᴍᴘᴏʀᴛᴀɴᴛ ᴛʜɪɴɢs sᴏ ɪ ᴄᴀɴ ʜᴀᴠᴇ ᴘᴇᴀᴄᴇ ᴏғ ᴍɪɴᴅ ᴡʜᴇɴ ɪᴛ ᴄᴏᴍᴇs ᴛᴏ ᴛʜᴇsᴇ ᴇxᴘᴇɴsᴇs ᴀɴᴅ ᴛʜɪɴɢs ᴛʜᴀᴛ ɪ ʟᴏᴠᴇ ᴛᴏ ᴅᴏ.
💜ᴍʏ ᴇᴛsʏ: ʜᴛᴛᴘs://ᴡᴡᴡ.ᴇᴛsʏ.ᴄᴏᴍ/sʜᴏᴘ/ᴀᴍᴇᴛʜʏsᴛsᴛʀᴇᴀsᴜʀᴇss
💜ᴄʜᴇᴄᴋ ᴏᴜᴛ ᴍʏ ɴᴀɪʟs: ʜᴛᴛᴘs://ᴡᴡᴡ.ᴇᴛsʏ.ᴄᴏᴍ/sʜᴏᴘ/ʙᴀʟʟᴇʀɪɴᴀɪɴsᴛɪʟᴇᴛᴛᴏs?ʀᴇғ=sɪᴍᴘʟᴇ-sʜᴏᴘ-ʜᴇᴀᴅᴇʀ-ɴᴀᴍᴇ&ʟɪsᴛɪɴɢ_ɪᴅ=𝟷𝟸𝟻𝟺𝟿𝟶𝟾𝟽𝟼𝟼
💜ǫᴜɪᴄᴋ ʟɪɴᴋs:
ʙɪɴᴅᴇʀs: ʜᴛᴛᴘs://ᴀᴍᴢɴ.ᴛᴏ/𝟹ғᴡʜǫǫᴄ
ᴍʏ ᴡᴀʟʟᴇᴛ: ʜᴛᴛᴘs://ᴀᴍᴢɴ.ᴛᴏ/𝟹ᴀʜᴋᴍʙᴡ
ᴄᴀʟᴄᴜʟᴀᴛᴏʀ: ʜᴛᴛᴘs://ᴀᴍᴢɴ.ᴛᴏ/𝟹ᴘ𝟸ᴡᴋʀ𝟶
ᴍʏ ᴄᴀᴍᴇʀᴀ ᴍᴏᴜɴᴛ: ʜᴛᴛᴘs://ᴀᴍᴢɴ.ᴛᴏ/𝟹ʙʜᴡᴀʙᴜ
💜💜ʀᴇʙᴀᴛᴇs💜💜
💜sᴀᴠᴇ ᴍᴏɴᴇʏ ᴏɴ ɢᴀs! ᴜsᴇ ᴛʜᴇsᴇ ʟɪɴᴋs ғᴏʀ ɢᴀs ʀᴇʙᴀᴛᴇ
ɢᴀsʙᴜᴅᴅʏ! . ᴊᴏɪɴ ғᴏʀ ғʀᴇᴇ ᴀɴᴅ ᴜsᴇ ᴄᴏᴅᴇ ᴇғxᴘᴍ𝟹ʙ. sɪɢɴ ᴜᴘ ᴛᴏᴅᴀʏ: ʜᴛᴛᴘs://ɢʙ.ᴏɴᴇʟɪɴᴋ.ᴍᴇ/𝟸ɴ𝟼𝟶?ᴘɪᴅ=ʀᴇғᴇʀʀ...
💜ɢᴇᴛ ᴜᴘsɪᴅᴇ! ᴛʜɪs ғʀᴇᴇ ᴀᴘᴘ ɢᴇᴛs ʏᴏᴜ ᴄᴀsʜ ʙᴀᴄᴋ ᴏɴ ɢᴀs! ᴜsᴇ ᴘʀᴏᴍᴏ ᴄᴏᴅᴇ 𝟼𝟾𝟿ʏᴊ ᴛᴏ ɢᴇᴛ ᴀɴ ᴇxᴛʀᴀ 𝟷𝟻ᴄ/ɢᴀʟ ʙᴏɴᴜs ᴏɴ ʏᴏᴜʀ ғɪʀsᴛ ᴘᴜʀᴄʜᴀsᴇ. ʜᴛᴛᴘs://ᴜᴘsɪᴅᴇ.ᴀᴘᴘ.ʟɪɴᴋ/ʏʀʟᴄɢ𝟹ᴏᴀᴇʜʙ
💜ɪʙʙᴏᴛᴛᴀ ʀᴇʙᴀᴛᴇ ᴀᴘᴘ: ʜᴛᴛᴘs://ɪʙᴏᴛᴛᴀ.ᴏɴᴇʟɪɴᴋ.ᴍᴇ/ɪᴜғᴇ/𝟾ᴄᴄ𝟷𝟹ᴄ...
💜ғᴇᴛᴄʜ ʀᴇᴡᴀʀᴅs: ɢᴇᴛ ʙᴏɴᴜs ᴘᴏɪɴᴛs ғᴏʀ sɪɢɴɪɴɢ ᴜᴘ! ʜᴛᴛᴘs://ғᴇᴛᴄʜʀᴇᴡᴀʀᴅs.ᴏɴᴇʟɪɴᴋ.ᴍᴇ/ᴠᴠᴠ𝟹/...
💜💜ғɪɴᴅ ᴍᴇ!💜💜
💜ᴍʏ ᴛɪᴋᴛᴏᴋ: ʜᴛᴛᴘs://ᴠᴍ.ᴛɪᴋᴛᴏᴋ.ᴄᴏᴍ/ᴢᴍʀ𝟾𝟷ᴡᴏʜ𝟾/💜
💜sᴇᴇ ᴍʏ ᴍᴇʀᴄᴀʀɪ ᴀɴᴅ ᴘᴏsʜᴍᴀʀᴋ:
ʜᴛᴛᴘs://ᴘᴏsʜᴍᴀʀᴋ.ᴄᴏᴍ/ᴄʟᴏsᴇᴛ/ᴛʀᴇᴀsᴜʀᴇs...
ʜᴛᴛᴘs://ᴡᴡᴡ.ᴍᴇʀᴄᴀʀɪ.ᴄᴏᴍ/ᴜ/𝟷𝟶𝟸𝟷𝟻𝟿𝟷𝟼𝟹/
💜sɪɢɴ ᴜᴘ ᴜsɪɴɢ ᴍʏ ʟɪɴᴋ:
sɪɢɴ ᴜᴘ ғᴏʀ ᴍᴇʀᴄᴀʀɪ ᴀɴᴅ ɢᴇᴛ ᴜᴘ ᴛᴏ $𝟹𝟶. ʜᴇʀᴇ's ᴍʏ ɪɴᴠɪᴛᴀᴛɪᴏɴ ʟɪɴᴋ : ʜᴛᴛᴘs://ᴍᴇʀᴄ.ʟɪ/ᴇ𝟿𝟼ᴍʙᴀʙ
ᴘᴏsʜᴍᴀʀᴋ: ᴜsᴇ ᴍʏ ᴄᴏᴅᴇ ᴛʀᴇᴀsᴜʀᴇsᴏғᴀᴍ ᴛᴏ sᴀᴠᴇ $𝟷𝟶: ʜᴛᴛᴘs://ᴘᴏsʜ.ᴍᴋ/ᴘɢᴜᴜ𝟷ᴢᴢᴛᴅᴀʙ
💜ᴍʏ ᴄᴀsʜᴀᴘᴘ: $ɢɪᴠᴇᴀᴍᴇᴛʜʏsᴛᴍᴏɴᴇʏ💜
ᴍʏ ᴀғғɪʟɪᴀᴛᴇ ʟɪɴᴋs ᴍᴀʏ ɢɪᴠᴇ ᴍᴇ ᴀ sᴍᴀʟʟ ᴄᴏᴍᴍɪssɪᴏɴ ɪғ ʏᴏᴜ ᴘᴜʀᴄʜᴀsᴇ ғʀᴏᴍ ᴛʜᴇᴍ. ᴛʜᴀɴᴋ ʏᴏᴜ ɪɴ ᴀᴅᴠᴀɴᴄᴇ!
ᴋᴇʏ ᴡᴏʀᴅs (ɴᴏ ɴᴇᴇᴅ ᴛᴏ ʀᴇᴀᴅ :) )
ᴄᴀsʜ, ᴘᴀʏᴄʜᴇᴄᴋ, ᴍᴏɴᴇʏ, ʙᴜᴅɢᴇᴛ, ᴄᴀsʜ ᴇɴᴠᴇʟᴏᴘᴇs, ᴅᴀᴠᴇ ʀᴀᴍsᴇʏ, ᴄᴀsʜ ʙᴜᴅɢᴇᴛ, ʙᴜᴅɢᴇᴛ ᴇɴᴠᴇʟᴏᴘᴇs, ᴄᴏᴜɴᴛɪɴɢ ᴍᴏɴᴇʏ, ᴄᴀᴘɪᴛᴀʟ ᴏɴᴇ, ᴄʀᴇᴅɪᴛ, ᴅᴇʙᴛ, ᴅᴇʙᴛ-ғʀᴇᴇ, ᴘɴᴄ, ʙᴇɢɪɴɴᴇʀ ʙᴜᴅɢᴇᴛ, ᴅᴏᴏʀ ᴅᴀsʜ, ᴍᴇʀᴄᴀʀɪ, ᴘᴏsʜᴍᴀʀᴋ, ɢʀᴜʙ ʜᴜʙ, ʜᴏᴡ ᴛᴏ ʙᴜᴅɢᴇᴛ, ᴏɴʟɪɴᴇ ʙᴜᴅɢᴇᴛɪɴɢ
#debt #budgeting
current subbie count 2246

Пікірлер: 56

@budget_with_chuckles 4 сағат бұрын

Great video thanks for sharing your debt payout plan 🥰💕🌸 15:05

@debratakagawa4764 6 күн бұрын

It’s been a month, first time seeing your channel. Hopefully your plan is going well. As Caleb would say you are not a credit card person. When you get a few of the smaller debts paid off the budget will get easier.

@DreamingonaDime 18 күн бұрын

The fire is LITE! Excited to watch your journey

@AmethystBudgets 17 күн бұрын

Yessss!!! Thank you!!

@maria.workinprogress Ай бұрын

Hi Ame! This was amazing, love how you're preparing to tackle this debt. Remember we all have those moments where we take a few steps back in our journeys, but we don't give up. Yall got this! 💐 I am currently looking to restart cash budgeting and budgeting itself again. My current journey is trying to save money to get my own home. California is so expensive, but as frustrating as it is to know I can't afford it on my own just yet it gave me a perspective of where I am in the process. Staying positive! 💜

@AmethystBudgets Ай бұрын

Hi Maria!!! Thank you so much! So very true. I really hope all is well with you and your family. You got this!

@laney7929 Ай бұрын

You got this girl!! Let’s get debt-free!

@AmethystBudgets Ай бұрын

Yes! 😤💪🏻

@BudgetsWithELMA Ай бұрын

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

@AmethystBudgets Ай бұрын

Thank you so much Elma! I'm determined to get it down and hopefully I can show my progress on here for all of y'all. 💜

@teaceshauny1 13 күн бұрын

I’m so happy to find someone who is similar to me in cc debt… down to the affirms! lol … new subbie here! Let’s kick these credit cards butts!!

@AmethystBudgets 6 күн бұрын

Yay!!! We got this!! And I'm so happy to have you here!

@BrittanieRaynor Ай бұрын

Holy crap amethyst! I absolutely love that we are finally getting another video!!! I've missed you and your spunky self

@AmethystBudgets Ай бұрын

Omg THANK YOU!!! people like you make me miss making content so much. I appreciate you Brittanie 🥰💜

@Julap7 Ай бұрын

Good luck on your journey!!

@AmethystBudgets Ай бұрын

Thank you so much!

@tashasbudget Ай бұрын

Great job explaining. You have a lot on your hands, but you got this❤😊🌷

@AmethystBudgets Ай бұрын

Thank you so much!

@jessicacastanon6712 Ай бұрын

Omg I love Caleb and all of his channels

@AmethystBudgets Ай бұрын

Same! Definitely super helpful for my situation. No more taquitos 🤣

@jessicacastanon6712 Ай бұрын

@@AmethystBudgets Yes no more taquitos or BS spending…lol 😂

@DreamingonaDime 18 күн бұрын

We closed all of our cards except 1 because we kept them open we would use them. Lowered our credit by 80 points but then gained 120 points after 2 months

@AmethystBudgets 17 күн бұрын

Love it!! I noticed a similar thing on my end as well!

@windmillridgebudgets Ай бұрын

Hey 👋🏻 there! New subscriber from a YT recommendation. I love your plan and your Etsy shop is adorable 🥰

@AmethystBudgets Ай бұрын

Thank you so much!! Do you mind sharing who recommended me so I can thank them!? I'm so excited you are here ! 😁💜

@windmillridgebudgets Ай бұрын

I actually saw your video on a recommended by KZfaq ad. I have found all sorts of channels I would never have known existed otherwise.

@thebudgetevolution Ай бұрын

Hi Amethyst 👋 thank you for sharing, if you are thinking of getting more money towards the payoff, did you work out a debt snowball method which pays off the smallest debt to largest and those payments snowball to the next smallest balance 😊 15:05

@AmethystBudgets Ай бұрын

Hi! This was an avalanche method so we can avoid as much debt as possible given most of our small debts have little to no interest:) thank you so much for your support!

@cindychapman9210 Ай бұрын

We are cc debt free all we owe currently is on the truck. But next month we might have a house payment also

@AmethystBudgets Ай бұрын

Omg congrats on that! Oo a house payment sounds like an exciting life change! Hopefully it's a good one for you! Thank you for your support!

@sandrasheppard3106 17 күн бұрын

$300 extra a month wont pay this off in 20 months. That's $6K vs $20K in CC debt. You'll need to put at least $1000 extra to clear the CC debt in that time frame. The car loan interest is not bad for a used car so I'd focus on the credt cards. Chase is predatory for giving you a line of credit that big based on your income but whats done is done. Good luck and keep moving forward.

@AmethystBudgets 17 күн бұрын

Thanks for the input! I did use a debt calculator and a full breakdown that's shown in the video, so with a $500 base pay, it's an $800 payment each month to that card alone. That's also not considering that most of the due amount has less interest thanks to the "pay over time" feature that chase offers. So I guess we'll see if it goes how the calculator said it would. I appreciate the support!

@Beautifulmeandyou Ай бұрын

🌸

@AmethystBudgets Ай бұрын

Thank you so much!

@that_norwegian_guy2024 25 күн бұрын

To pay debt even faster I would stop wasting money on fake nails and other things not necessary 👍🏻

@AmethystBudgets 24 күн бұрын

My nail tech and I have a deal. I didn't pay for the ones in this video 👍🏻 they're also reusable

@ykook7000 Ай бұрын

Cats in the hats with the rats

@AmethystBudgets Ай бұрын

🤣 My house would be a great storyline for a Dr Seuss book

@theresam3890 Ай бұрын

😊 🌸

@AmethystBudgets Ай бұрын

Thank you so much!

@cherish8821 Ай бұрын

🥰💙🌺🌺

@Karen-en8rb Ай бұрын

I did not know if you closed an account that the interest stopped

@AmethystBudgets Ай бұрын

I'm learning a few banks will do that for you! But not all of them unfortunately 🥲

@Budgeting_with_Lee Ай бұрын

🥀💮

@AmethystBudgets Ай бұрын

Thank you so much!!

@nielgoh Ай бұрын

how'd you reached this state though..... gosh that's a lot of....debts...

@Faroesx Ай бұрын

For me, it was eating out. Not even kidding. I would eat out 1-3 times a day everyday when I first graduated high school and moved to college. Went into over $1k credit card debt before the end of year one. And the bad habit just stuck, and my income hasn’t really changed :/

@AmethystBudgets Ай бұрын

I was low income, about 28-30k in an expensive area to live in and was simply dumb with my cards. There was A lot of pet and car emergencies, honestly that's the bulk of it and then one off food or fun payments. I also invested some into my business. The apple was all electronics that had been stolen from us and we replaced. I never had a functioning emergency fund, so I used my credit instead. Highly do not recommend 🤣🤣 but I'm aware of how bad it is and am determined to get rid of it. All of my reasons are excuses and I'm acknowledging that. Hopefully you're willing to stick around and see it paid off!

@AmethystBudgets Ай бұрын

Yep, that was how I blew thru my disposable income as a teen. It's a really hard habit to break. Anything revolving food is more difficult to fix in my experience. Hope you're doing better now, I wanna do a cheap easy eats series to help with things like this

@BrittanieRaynor Ай бұрын

Its honestly not hard to do if you don't have someone there to explain how absolutely terrible credit cards can get you.

@nielgoh Ай бұрын

@@AmethystBudgets I was a middle-ish income earner back in Malaysia... had some bad decisions and lost about 20kUSD(MYR100k) in stocks. Still have some in the retirement funds that I'm not allowed to touch. Moving to Toronto, Canada....I'm at a minimum wage job for about a year now... job hunt is nuts. Luckily my spouse has a stable income job and we're kinda splitting monthly cost at 80:20 ratio. Knowing that living abroad is living life on extraHard mode...I tend to save more and manage to build a small savings/investments here. But yeah like what BrittanieRaynor said below... not having a good money mentor can make life go south so fast if one does not have money discipline. Looking bad I wished I had a better mentor cause I mirrored my dad's investing habits... hence making the same mistakes he did. I'm glad that you're really committed to clearing the bad debts and I wish you all the best. If you need to bounce some money ideas... I'm open to listening, may be able to give a second/third opinion though may not be the best one.

@nosirrahm Ай бұрын

Ramit Sethi is so much better than Hammer. 😊

@AmethystBudgets Ай бұрын

Thank you!! I haven't come across his stuff before but I'll definitely check it out. I like Caleb's content cuz it's a quick Swift kick in the butt, but like right after Posting this some things on his channel started to put a bad taste in my mouth. I really appreciate the suggestion!!

@119jle Ай бұрын

Wedding was a waste. I was just as married as you the day after only I spent $60 in Vegas. No one cares about your marriage which has a 68% failure rate.

@AmethystBudgets Ай бұрын

Thank you for supporting my channel with your comment! I hope your marriage does better than those statistics.