Debt-Free Journey: 7 Tips | Paying off $120K of Debt in Under 3 Years

Published on October 2, 2021

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I share how my husband and I paid off $120,000 of debt in under 3 years and the 7 tips that helped us in our debt-free journey. If you are someone who is also on your debt-free journey or trying to build financial literacy, I hope this video motivates and encourages you!

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What’s Next? 5 Steps We Took After Becoming Debt-Free

0:13 — why I decided to make this video
2:44 — our money situation
5:05 — 7 things that helped us in our debt free journey
5:15 — track what you spend
6:30 — pay above monthly minimums and use the snowball method
9:04 — live below your means
10:53 — control the content you consume
12:35 — increase your income
13:41 — don’t give up!!!

Resources mentioned:
– Aja Dang:
– The Financial Diet:
– CNBC Make it:
– Refinery 29 Money Diaries:
– Graham Stephan:
– Dave Ramsey:
– Reddit r/personalfinance:
– Reddit r/fire:

Personal Instagram:

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How To Become Debt Free In 3 Years

How To Become Debt Free In 3 Years, Debt-Free Journey: 7 Tips | Paying off $120K of Debt in Under 3 Years.

Discovering Credit Debt Management – Action By Action To A Debt-Free Life

Make certain to look over your other locations of spending, as well as your earnings. The first loan kind is called a safe debt loan. Usage comparison sites, to discover if you can get a much better offer.

Debt-Free Journey: 7 Tips | Paying off $120K of Debt in Under 3 Years, Watch most searched full length videos about How To Become Debt Free In 3 Years.

Getting Motivated To Leave Debt

Charge card combination is just the act of integrating together all of your Revolving Debt. The absolute best thing you can do to handle your Revolving Debt is to cut all of your credit card in half.

As I compose this, we are going into this year’s World Series. It always appears there is a team entering the World Series that was down in 2015, or was basically broke however effort and faith with vision got them to the top. I will have to admit the economic crisis completely upset the plans of lots of people who do not deserve something like that. Typically lots of were not so distant from retirement, their perfect tasks lost and lost some dreams. But as with groups, effort and vision into the not to near future is the secret.

This is why many people see financial obligation settlement as being limited to only unSecured Debt. Sadly, those who see debt settlement in a limited method consists of the consultants in the Secured Debt settlement industry. Their training has actually been limited to concentrating on just unsecured debt, instead of a more holistic method.

Once you have all your information assembled, make your call. Know what you are going to request for before you put the call. Be brief as to why you would like a better rate, however be to the point. Advise them what other companies are providing which you are considering moving your company. Inquire if they have any other rate they could offer to keep you there.

Living a penny-wise lifestyle we aim to be financially assured. One strategy of achieving this is getting Debt Free. Financial obligations can be bad and good for us. It truly is dependent on how we handle the financial obligation. For example, if we are lazy and do not handle the financial obligation properly it can spiral out of control. Anyhow, cautious administration of our finances can imply that we can clear our debts.

The other percent of the credit rating is based on how much you really owe on your Revolving Debt and this could be in kind of credit cards; at least this is the most typical one. If you have actually used more than 30% of your total credit readily available on your charge card your score will go down. Being over the 30% limitation is a sign that you are likely to max out your charge card.

Here is a simple example of the result that interest has on the cost of a product. The real cost of the purchase is $110 if you buy an item for $100 on credit with a 10% interest rate over one year. Therefore, you have actually simply increased the cost of the item you purchased by 10%. The result is that you pay too much for the benefit of not paying for it today.

Finding the very best cash rewards credit cards is truly basic. Simply make certain that your FICO rating has actually risen sufficiently, so it makes good sense to apply for a 1% cash refund, or a 5% cash refund charge card. Then apply for the very best cash rebate card online and utilize your cash management abilities that you established while leaving debt, to continue playing the video game with the banks, this time the “get the maximum money back while not entering into debt” game. It is an enjoyable and successful game!

No recent revolving balances – You do not have any activity on your revolving accounts. Anyhow, careful administration of our financial resources can suggest that we can clear our debts.

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