Christmas is a time of giving but who wants to start the new year with debts and bills you can’t afford? Millions of Americans will go into debt this Christmas but you don’t have to be one of them. Rob West and Steve Moore talk with Neile Simon of Christian Credit Counselors on how you can avoid Christmas debt.
Link in profile.
Frugal hack: gifts! I made all my bridesmaids these cups for one of their gifts! I bought the cups at Walmart (the are just as great as Yetis but only cost $8.00) then I bought decals of Etsy for $2.50! You can buy cups like these on Etsy for $30 that are personalized or make your own for about $10! 💕
Soz, went abit quiet over the weekend as we had some house guests💁🏼♀️. Caine’s brother and fiancé came to stay with us and I literally never get to see her because she lives in America, phone was mostly left at home all weekend which was LUSH. We took her to some sites in Bristol - this being one of them. Soz it’s such a rubbish photo, it was taken on my iPhone in the pouring rain but Bristol ain’t half gert lush from this viewpoint❤️. Slight dampener on the weekend in that I got a speeding fine🙄. Another £100 down! But we are slowly recovering and getting back on our feet which feels good😊. It should be just after Christmas that we really feel fully secure with some savings behind us and I can’t wait for that but at the same time, don’t want to wish my life away. How was everyone else’s weekend? Up to much? Seeing as I haven’t been on my phone I’m sooooo out of the loop!
They say I’m Arrougant , cocky and I can’t spell. And they were right.. But they ain’t tell u the part where I made millions of dollars from my computer in luxury of home tho🤔.. I’m just merely keeping that same energy.. 52k for the year off credit repair.. SB: I did this account in thailand while having two girls in my bed while ordering room service ... Super SB: Alexa !!! Play my bank account for the niggas who be hating
Paychecksandbalances.com/TheVoice - if you want to order an original podcast intro, voiceover or drop visit the link for more info. Shout out to @Tonya.Rapley of @MyFabFinance for the idea and inspo. To listen to the full episode with certified, two-time PB alumni Tonya Rapley of #BanishTheBalance when she joined us earlier this year for #FinancialLiteracyMonth visit paychecksandbalances.com/pb86 •
Also highlighted is Life & Debt @lifeanddebtbook author, #creditexpert and lawyer @taynelawgroup who joined us to discuss her book, what to know when you negotiate with #creditors , and how to responsibily manage your #StudentLoans . Listen at paybal.co/leslie
All this week I'll highlight some of my fav drops from @PayBalances.
Today is the 2 year anniversary of paying off my student loans and finally “owning” my social work degree 🙌🏻. Of all the debts, my student loans were the most fun to pay off. You can see the freedom shining on my face!
Just wanted to share that the hard work you’re putting in now is SO WORTH IT! Don’t quit on your dreams to become debt free, you’ll be so glad that you stuck with it.
If there’s any way I can help encourage you please let me know!
Up 49 points. This a personal friend of mines.. imma make sure he got perfect credit by Christmas.. I want to see him open up a business in the hood so I can brag about him to people.. SB: I love to brag about what I’m doing currently and the moves I’m making..
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1. Our current goal is CC3. I'm hoping to pay it off as close to 11/30 as possible. Our balance will be a $8,500. Minimum: $351⠀
2. Next, I am planning to tackle the Line of Credit we took out over the summer to convert part of our garage into a bedroom. That was Phase 1. This spring/summer we will tackle Phase 2, which is adding the walk-in closet and a full bathroom (we currently have 1 full bath and a bonus toilet in our laundry room). Current objective is $17,751.66 for Phase 1 of the Addition. This account is not tracked in my debt report. This should take me about 4 months to pay off. Minimum: $360⠀
My in-laws are FINALLY headed our way, probably will be here this weekend. We will be collecting rent from them as well, so that will help a little.⠀
3. After that, I was originally planning to start paying off Mr. Smith's student loans (9 loans for a grand total of $20,672.37) because paying off the small loans would be a quick succession of small wins! However, he is trying to qualify for 100% disability through the VA and I honestly think that may happen. If it DOES, that means the student loans may get completely forgiven. That would be nice! So, we're sending the Student Loans to the back of the line and will see where we're at with student loan forgiveness at the end of 2019. Minimum: $275⠀
4. Now that we're not tackling the student loans right away, I'll be hitting the Debt Reduction Loan next, which has the double-whammy of being next in my snowball AND next in the debt avalanche at 10.69% interest. This should take me 3-4 months to pay off. Minimum: $380⠀
5. Our last big account (excluding the student loans) is our truck, our only vehicle. As of writing this, we currently owe $28,329.67. Once we start this, it will take me 5 months to pay off. Minimum: $588⠀
6. Then, we'll be back for Phase 2 of the Addition Line of credit. This will take me 4 months to pay off, if we use the full 18k line of credit. Minimum: $360⠀
7. Lastly, we'll re-assess where we are at with the student loan forgiveness. If by the end of 2019, we aren't forgiven, I may start to pay these off one by one.⠀
Part I: How to tell the difference between a legitimate debt collector and scammers - A debt collector must tell you information such as the name of the creditor, the amount owed, and that if you dispute the debt the debt collector will have to obtain verification of the debt. If the debt collector does not provide this information during the initial contact with you, they are required to send you a written notice within five days of that initial contact.
👀 Child Support 👉 Deleted 🎯
👀 Student Loans 👉 Deleted 🎯
👀 Medical Bills 👉 Deleted 🎯
👀 Late Payments 👉 Deleted 🎯
👀 Collections 👉 Deleted 🎯
👀 Bankruptcy 👉 Deleted 🎯
👀 Tax Liens 👉 Deleted 🎯
👀👀 2017 👉 Deleted 🏆 👉 Any negative item on your credit report that is killing your score...Deleted ✔️ Who wants info & is ready to change their life and increase their credit score starting now?!? 🔥🔥🔥 Comment "I do" or message me for details! 👇👇 #credit#debt#goodcreditscore#creditrepair#debtfree#divorce#studentloans#bankruptcy#repo#medicalbills
When your 74 year old dad sends you a self made Meme without knowing what a Meme is 🙈😂 I lend money from my father, but I only took it, because he promised that he will let me pay it back. I asked him several times for the numbers of his bank account to give him his money back. This was his only answer. With a picture of my son. This isn’t over yet! 😏 btw: “Opa” means grandpa. #memes#dadjokes#funnygrandpa#fun#jokes#debt #🤷🏻♂️
If you have a vehicle, auto insurance is an essential -- and so is understanding what you are paying for. In this episode of Getting Money Right, we will be breaking down different auto insurance policies to help you choose what's best for you! Click here: ow.ly/DISJ30juYaD
This month ended up being a bigger month than I expected!! Over half of each mortgage repayment is now principal!! 😁 I'm hoping, if we stick to our budget, that we can JUST make it into the $239's by the end of November 🤞🤞 .
Next month is my final pay of parental leave so I won't be paid until I return to work next February 😭 I have thought about going back early but there might not ever be another time again where I'm not working so I am cherishing this time with our baby! .
We are fine on my husband's wage but it just means we won't save anything in December and January. Also, we may have booked a small beach holiday away at Christmas time so that will chip away at savings 🙊
Make it a productive Monday! ⠀⠀⠀⠀⠀⠀⠀⠀⠀
I don't know about you, but I do my best to make my Mondays a productive one. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
I am detailed oriented, and in some ways "old school" when it comes to organizing myself. I tried to use apps, like to-doist, to get me through my day, but let me tell you, it was a complete failure! I needed something that It would be on my face every second, just to make sure I wouldn't miss it lol ⠀⠀⠀⠀⠀⠀⠀⠀⠀
So you see that pad right there? Yup, that's my organizer! ⠀⠀⠀⠀⠀⠀⠀⠀⠀
My daily routine involves tasks like responding to e-mails, reviewing my clients' accounts, checking the market, and returning calls... yeah ok, these are a given, but before I do all that, I write down everything I have to do on that pad, and do my best to complete it by the end of the day. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
That's how I can ensure I keep myself organized and productive... Fell like sharing what works for you?
Comment below :)
Theres something about getting up in the morning and making coffee. There are some old school traditions that I just cant let go of. I know. I know. Single cups are the way to go, but there are just some things I love. This coffee pot is one of them! Some of you spend so much time following the latest and greatest... what everyone else is doing without even knowing why and without even knowing yourself. You don't even know what YOU really like and what YOU really want. That's why you're overloaded with debt you can't handle right now! You're afraid that if you don't say yes to everything your friends bring up, they'll stop inviting you and quit rocking with you. Guess what ma'am?I've been you. They aren't your friends. You need to register for my Masterclass with the link in my bio NOW so I can show you how I paid off $10k of debt in 90 days.
There are primarily two approaches for this:
1. Logic driven: List down all your debts on a paper. Write the corresponding interest on each of them.
Pay the debt with the highest interest rate first while paying the minimum amount of installment towards the other loans. Excess funds should go only towards the highest debt as it is the most financially taxing over a period of time with respect to the amount you owe.
2. Emotion driven: Create a list same as above but instead of paying off the debt with the highest interest, pay the smallest debt first while maintaining the minimum amount towards other debts. This is emotionally more uplifting and will provide you with a sense of fulfillment. Many advisors suggest this over the logical approach for this specific reason.