Recent content by VelazquezZero

I'd start at the top and work my way down. But I'd pay off the first two ASAP, then build up a 3 6 month emergency fund before moving on to the last two debts since I'd treat those as part of the mortgage right now.

Seeing the total number get smaller and smaller per month.

That's awesome! Congrats on your debt payoff journey! Next step is learning how to use money to make money and I love teaching that!

Hey, so here’s a simple tip: grab your last three months of bank statements and sort your spending into categories like housing, car, gas, and whatever else applies. That’ll show you exactly where your money’s going. After that, you can set up a budget and try the snowball method to tackle your...

Yeah, that was me. I used to pull money out of savings to cover debts. Now, I treat saving like any other bill I pay it first and then just leave the money alone.

Here's the basic idea with debt: pay the minimum for now and try to stash away at least $1000 for a rainy day. Go over your budget and see where you can cut back, then put that extra cash into savings. Once you've got your $1000 safety net, you can start throwing that extra money at your debt...

That’s all that counts. Great job!

So here's what I'd do: I'd tackle those high interest credit accounts first. You could get a personal loan with a lower interest rate and use it to pay them off. Another option is to open a low interest credit card that offers zero interest on balance transfers, then move all your debt over...

Alright, first thing: knock out that Capital One debt. Then, take that $33 and throw it at Synchrony it's got the next highest interest rate. Whatever you were paying each month for Capital One, add that amount to your normal Synchrony payment, too. Keep rolling those payments forward like a...

Awesome job!! Love seeing others succeed.

Nice going! I'm dealing with student loans too I've got seven of them myself. Hoping to knock out two in the next few months and have everything paid off in about a year

If you pay the collection agency, be sure to get it in writing that they'll take it off your credit report.

Either approach can work it really comes down to the balances on your cards, how many you're juggling, and what you can comfortably afford to put on them.

Yay! First step is knowing and getting started you can do it!!!

This is how I feel with disputing LVNV. No budging WHATSOEVER