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@happyvalleybudgets 3 сағат бұрын
I think that the snowball method is a great method and I am currently working on my. I appreciate your explanation. But I don’t think the minimum balance should be added to the other minimum the first month because it was applied to pay off the other card. Eek!! They would be short in their budget if they did it. At the beginning of the month if that minimum balance has been applied to a card already it should not be applied to another card in that some month. Unfortunately the math isn’t correct but the application- the math is so stinking helpful. Thanks for the encouragement and for the examples.
@krisly76 5 сағат бұрын
❓️⚠️❓️ I can't find the answer I'm looking for. Someone, PLEASE tell me what I could've done in this situation: I'm 110 lb woman, he = 225lb man. He used to take martial arts. In a second, he had me pinned to the floor. With 1 of his arms, he pinned both of mine & with his legs, he pinned mine. With his free hand, he grabbed the wrungs in my windpipe & i couldn't breathe. I would've suffocated if we weren't on a cruise & security wasn't watching on camera. Is there ANYTHING I could've done? I had ZERO warning & all of the pinning & choking happened in the blink of an eye. ❓️ ❓️ ❓️ ❓️
@ducheau100 7 сағат бұрын
Buy NVDA stock. Or if you did a couple years ago.
@Adelka1620 7 сағат бұрын
I love this. I just watched the SATC episode "A womans right to shoe" - same thing!!
@annddyyy-6920 17 сағат бұрын
My advice to everyone is this : if you want to grow big this year especially in your finances. Be willing to make investments. Saving is great but investing puts you on a pedestal where you wouldnt have to worry about savings as you do now. Thanks to larysa Caba, my portolio is doing really great and im proud of the decisions i made last year.
@fred5528 17 сағат бұрын
I feel one Of the greatest challenges that we first timers face in the ma rket is that we end up losing all we have,making it difficult to find ourselves back to our feet. My biggest advice is to always seek the services of a professional just like I did when I ventured into it for the first time. Big thanks to Larysa Caba. I now make huge profits by weekly through her services while still learning to stand on my own.
@bigelbow2966 17 сағат бұрын
I think she trades for everyone I meet. I met her twice at a meeting in Germany and after her lectures from Ella I had to personally ask her to be my financial advisor. she is definitely good.
@dominicleong4385 16 сағат бұрын
I have never seen a trader as open and transparent as Larysa Caba with her clients. The way she decides to make a profit for her clients. she allows you to express your fears and she still rests your fears and that is my respect. I don't normally comment on videos, but this word should be included. she is really cool.
@leticiaenraz8514 16 сағат бұрын
I just looked up her name online. she is licensed with credible certificates and has an amazing track record. Thank you for the message.
@fredrickalfarez6875 16 сағат бұрын
Please can someone tell me more?
@alexismacedo3315 23 сағат бұрын
I feel like I’m in economics class.. but actually helpful, applicable, and not fear based financial information
@user-qe8gh4wp7q Күн бұрын
I’m big on numbers and you mentioned my birthday Feb 22 and I see my sons birthday April 14 so im with you now
@stevenlindsey2056 Күн бұрын
I use mine like I would use a debit card. I buy everything with my credit card and pay off the balance every time I get paid. This way I am constantly building credit and if my card becomes compromised it isn't connected directly to my bank account.
@mygoodlife204 Күн бұрын
You're too young to know about McGyver😂
@jocelynastheart2732 Күн бұрын
Nah! I just walk around with paint spray that will do the trick way faster then this jui juju tzizozo defense crap!
@Bromeliadsss 2 күн бұрын
I also round up my numbers. That way you’re never short and you can transfer the change to savings if you want to
@yingminlim2534 2 күн бұрын
Thanks for coming back doing personal finance videos. Very palatable, just so easy to understand. You make it simple and fun. ❤
@Wowsers101 2 күн бұрын
40k? Huge red flag
@juanshaftpatel7488 3 күн бұрын
she got chunky
@alejandrav5790 3 күн бұрын
Wow, I'm just now watching this and i am so sorry you went through all of this! However, i really appreciate your honesty and transparency. Texas is the land of shoddy work, poor craftsmanship, etc because of the lack of regulation around anything important. I wish more people realized this before making the move to TX. Yes, cost of living is probably cheaper (although not by much these days), but it's a big trade off. And this is coming from a born and raised Texan, if we could move, we would so that should tell you something. Hope you are doing better back in L.A. I need to catch up on your videos
@kevinpadama8354 3 күн бұрын
Watching you do the math and seeing the debt decrease felt like a win for me every time. This gave me so much hope 🙏
@AjaDang 3 күн бұрын
Yes! Debt pay off is definitely a long journey but when you have a plan, it's encouraging!
@noovernightguests 3 күн бұрын
Great video Aja! Yeah the interest rate can vary within ONE credit card depending on how you used it. A cash advance interest % on your credit card vs balance transfer interest % on that same card. Sigh. It varies. I just paid off my second to last card. Now attacking my last credit card 😕 Yeah, I understand about not discussing the points/rewards systems first because that's how some of us got into credit cards in the first place. Good luck to everyone out there. YOU GOT THIS!
@AjaDang 3 күн бұрын
congrats on attacking your last card!
@featuredoffline 3 күн бұрын
sadly for me i went into manic psychosis and racked up..... a bad amount on my credit card and i'm currently struggling to pay it off.. with suffering from job loss ): but i love watching your videos gives me hope
@divyv20 3 күн бұрын
Hey Aja Dang , very good video . I can do better editing in your videos which can help you to get more engagement in your videos . Pls lmk what do you think ?
@ashleysherlow1012 3 күн бұрын
love the breakdowns of real budgets
@AjaDang 3 күн бұрын
yes! very grateful to those in the community who submitted their numbers
@nehcniloj 3 күн бұрын
I love this timeless series and learned a lot
@lm1534my 3 күн бұрын
Honestly she never should have " matched" with him. He rejected her initially. Its clear he doesn't actually like her and he drove that point home further by not using any energy to see her. I really hope she focuses her efforts on men who truly value her qualities and are not afraid to show their desire. Also Finance Sir the math comes out to 10/1...not 10/10( which would equal 1)...
@obedpalacios1996 3 күн бұрын
If you can currently afford it why not just pay cash and be done with it?
@Money-Easy-Plan 3 күн бұрын
"Too many of us are not living our dreams because we are living our fears." -Les Brown
@christineee444 3 күн бұрын
Paid off 20k of consumer debt earlier this year and it took a lot of work (over a year) and watching these videos even after being consumer debt free keeps me in check. I’ll never have the mindset to spend on things I cannot pay for ever again!! Love your vids, Aja!
@AjaDang 3 күн бұрын
congrats! That's such a huge accomplishment!
@EricMoore790 3 күн бұрын
She is pretty
@jessicathao 3 күн бұрын
Once you go to collections, do you save up for the $1k emergency fund first and then go back and start paying off the collections?
@AjaDang 3 күн бұрын
i would recommend having a small emergency fund before tackling any debt. The last thing you need is a small emergency, putting you more into debt. Better to be safe and have a small emergency fund while tackling your debt.
@danielvillarreal6610 4 күн бұрын
Are we talking about the gift registries that are handled by department stores for weddings?
@kraigbailey 4 күн бұрын
A little over 20 years ago I looked at the many credit cards I had and amount of the balances. I felt sick to my stomach as I had been pretty much paying the minimums. Fortunately I had some stocks I could sell and paid off the cards. Except for car loans I pay my balances every month. A few years ago I got an Card and the cash back goes into their savings account. Keep up the great work!
@carolslavens5565 4 күн бұрын
Ok, watching you plan it out and work through the debt, really made using the snowball method clearer. I have not been doing it correctly, hence why I am not seeing much progress. It was like a light bulb went off and it suddenly makes more sense! I have reassessed and created a plan just like the ones demonstrated. I feel like it's going to work, thanks Aja!!!
@AjaDang 4 күн бұрын
Omg, yay! I’m so happy. Were you not adding the paid off minimums towards your payment amount?
@carolslavens5565 3 күн бұрын
@@AjaDang Not only was I not adding the paid off minimums towards the next payment amount, but I was using the extra cash from the paid off amount towards paying off other debt. I was paying extra towards ALL (4) credit cards each month. I now see how it works when you focus on one card at a time.
@AjaDang 3 күн бұрын
@@carolslavens5565 aaahhh!!! Hopefully now you’ll start seeing progress in your debt pay off. Keep us updated
@TheRachag 4 күн бұрын
Sometimes credit cards are more secure than debit cards. It should be paid off asap that’s the key!
@Money-Easy-Plan 4 күн бұрын
"Don't raise your voice, improve your argument." -Motivation
@user-ho7sv2jv3g 4 күн бұрын
Idea: A video on STUDENT LOAN DEBT would be super great! Could have a guest who is currently suffering from student loan debt or use numbers from someone as an example.
@AjaDang 3 күн бұрын
I can definitely do that!
@melng9 4 күн бұрын
Love this video! I think in example 3, one thing you haven’t accounted for is that they’ve been making the minimum payment on all their other debts. So, in month 9 the Discover balance is probably actually less than 5895 because they’ve been making 9 months of minimum payments already. So, the total time to pay may actually be less!
@AjaDang 3 күн бұрын
yes - you're totally right!
@user-yp6qr4ek2s 4 күн бұрын
that sus
@MrCowabungaDude 4 күн бұрын
I’ve been in a non-stop loop of debt. My rent and the earning of minimum wage is ruining my liv’lihood. Entry-level establishments and their employee/work policies are bias towards an outlier outlook on a successful future.😊
@sscott4028 4 күн бұрын
What’s your opinion on velocity banking?
@Bamapride1985 2 күн бұрын
It works great if you know what you are doing with it and have discipline to keep expenses in check
@theresam5458 4 күн бұрын
What helped me was to apply for another credit card with another cc company, then i transferred my credit card debt over to my new credit card giving me 18 months to pay off my debt interest free.
@dr.jasminehanson255 4 күн бұрын
Love having these back! As a high debt to income ratio person it keeps me motivated to keep creeping towards that student debt free life! Thanks Aja!
@iamwendychu 4 күн бұрын
I've been doing the snowball method wrong this whole time. Thanks for clarifying!!! 😮
@AjaDang 4 күн бұрын
Oh no! How have you been doing it?
@misciasimmons5337 4 күн бұрын
We have been debt free for several years now. It feels so great! My husband and I love when you paid off your student loans!
@shubhcheema6519 4 күн бұрын
I think the first thing anyone in cc debt should do is switch to a lower interest card, they can save hundreds just doing that and then pay off what is on it.
@jaymarx8927 4 күн бұрын
Every time I've paid off my credit cards, it lowers my credit score. If I don't maintain a balance on my card, it lowers my credit score. I was keeping a balance on one of my cards of like 1K and paying slightly over the minimum in autopay. I assume that the credit card companies are like drug dealers, and they are in cahoots with the credit agencies.
@listen-learn-speak2465 5 күн бұрын
My problem is I pay my cards down then I take a vacation because why work so hard and don’t take a vacation every year. It’s more to life than working and paying bills
@AjaDang 4 күн бұрын
Nothing wrong with enjoying life but maybe start saving up for your vacations in advance so you’re not going into debt for a vacation. I do this all the time and it makes the trip way more enjoyable!
@listen-learn-speak2465 4 күн бұрын
@ AjaDang… Thank you, I would never go anywhere if I saved up first, however, I’m going to skip a year of vacation to pay my debt down 🥲
@ykook7000 2 күн бұрын
Take a vacation every year?? Yeah sure if you want to pay the debt you can't vacation every single year!
@wrenchguy2937 5 күн бұрын
Leave these types of videos! Gonna send it to my niece. You make it easy to relate to and simple.
@morkmckerr 5 күн бұрын
Balance transfer options to assist with interest payments???? In my experience if you explain to your CC Companies what you are trying to do, they will work with you as part of your success team....
@dnwalkingoneggshells 5 күн бұрын
I paid off $4500 in a year. You just basically live like a hermit and move somehwre. Heaper
@wrenchguy2937 5 күн бұрын
I think the thing that kills so many people is rent. Some people pay $800 / month vs someone like me in nyc and i pay almost 3 times. Urgh Living alone is rough haha
@AjaDang 5 күн бұрын
yes totally. Housing will be most of our largest expense.
@InterwebUser-ps7ju 4 күн бұрын
We moved to a state where housing was more affordable and we were able to buy a house
@TiffanyAlexander04 4 күн бұрын
Ya I pay $1,600 in Anchorage, AK
@ccap3211 5 күн бұрын
Well the problem is that I’m like 13k in debt and I only make $40k a year. I haven’t spent on the cards in months bc I cut myself off. I’ve never been late on my payments but I can barely afford them. I’ve done balance transfers on all my cards so I’m actually not paying an interest. After the promotional period of no interest ends I just do another balance transfer so I still continue to not have interest. I’m doing the snowball method and I have paid off a couple cards but it’s slow going since I make such little money. I’m also torn on whether or not to save an emergency fund or pay my credit cards. I can’t really do both at the same time. I only have $1200 emergency fund but I know that’s not enough.
@AjaDang 5 күн бұрын
I think $1200 is enough for a mini emergency fund but if you'd like to add a few more hundred to that to make it an even $2000, I think that's fair. Once you pay off your debt you can increase that to a fully funded emergency fund. The good news is, you are no longer using your credit cards so you're not adding to your balance, which is great!
@jackie41083 4 күн бұрын
I’m saying this in a supportive way: If you’ve never asked for a raise or promotion, now is the time. I know it can be scary, but it can really help. Or a side hustle. Or a different company that pays better. Again, I know it’s not easy/can be scary, but I asked and got them after years of hard work. First woman in my family to ever ask. Wishing you the best ✨
@ccap3211 4 күн бұрын
@@jackie41083 I get an annual raise next month. Unfortunately it’s only like 3% which is like 50-70 cents. I’ve had my job for 16 years as of next month. And I’ve only had 5 call-ins in all that time! I’m very loyal. I started making $7.25 when I was hired there as a teenager and now I make $18 plus bonuses so I made 40k last year. I get yearly raises plus I got a raise for becoming assistant manager and a few cost of living raises several years ago but it’s still not enough. I brought up another raise a couple months ago but was told by my manager that his hands are tied and that his boss won’t let him give any raises except annual raises which like I said are insignificant. And they are supposed to be capped at 4%. So idk what to do. This is the only job I’ve ever had and I don’t have a college degree or anything. And I only have experience doing this one thing (I’m assistant dietary manger at a nursing home). I’d like to get into something new but I’m not qualified for most jobs and the ones I’m qualified for pay less than what I make now. And I don’t want to get student loans to go to school so I’m kind of stuck. I will try to negotiate a higher raise when I get my annual next month. I’d like to at least make $20. 🙄 it’s crazy to me that I make so little after being there so long but they don’t see it that way. They told me they don’t really care about seniority.
@peepee... 5 күн бұрын
curious to know where your glasses are from ?