Almost done with this car debt never again!

@shawnshalest_hws

4 жыл бұрын

Congratulations! And I feel you!

@2KRICHKID

4 жыл бұрын

I just paid off my credit card debt. 12,000 maxed out. Never again. Surprisingly, never missed a payment and mt credit score 715

@vh7637

3 жыл бұрын

@@2KRICHKID congratulations

@felicialartey8865

3 жыл бұрын

Very good way to go! Superwoman

Money invested is far better than money saved , when you invest it gives you the opportunity to increase your financial worth.

@MiaAva872

Жыл бұрын

The wisest thing that should be on everyone mind currently should be to invest in different streams of income that doesn't depend on government paycheck, especially with the current economic crisis around the world. This is still a time to invest in Stocks, Forex and Digital currencies.

@EmilyNora234

Жыл бұрын

I also keep seeing lot's of people testifying about how they make money investing in Stock, Forex and Bitcoin and I wonder why I keep loosing. Can anyone help me out or at least advice me on what to do.

@OliviaEmma-tk6qc

Жыл бұрын

Wow! I'm just shock you mentioned and recommended Julie H Viglasky. I thought I'm the only benefiting from her services.

@JeffreyAlice

Жыл бұрын

Passive income is the key to financial freedom the time is now you should know your can't achieve your dream off paycheck.

@ZahidTaimoor95

Жыл бұрын

Successful people don't become that way overnight. What most people see at a glance - wealth, a great career purpose is the result of hard work and hustle over time.

Writing this so I can look back at my progress, I’m currently in $10k in credit card debt ….

@shawnshalest_hws

2 жыл бұрын

You can do it!

Debt free is like a 25 percent pay raise. You get a $500 payday, and $125 goes to debt. Stuff that you bought but couldn’t afford. How often do you get a 25 percent pay raise?

Looking forward to making a plan to get my debt under control! I appreciate these videos.

So glad I came across your videos. Your info is not just helpful and informative, you make me feel like I can really accomplish this!

@shawnshalest_hws

2 жыл бұрын

Thank you so much. And you really can!

Recently found your videos and love your “real” advice! Trying to get started and appreciate your step by step videos!

@shawnshalest_hws

2 жыл бұрын

Thank you so much! I appreciate you for watching.

Thank you so much. These tips are phenomenal and the way you presented, and in the order that you did, were perfect.

@shawnshalest_hws

4 жыл бұрын

Thank you so much!

Thank you for sharing. Getting out of debt is pro-active. I love how you go through the steps 👍👍

@shawnshalest_hws

4 жыл бұрын

+HomeMade Millionaire Moms You are so right. It’s not easy but you have to be proactive.

I just got a great job. Its entry level so it has a low income but it's a grown up job with benefits and salary. I can finally start to make a dent in my debt and I love this video so, I'm subscribed. Thank you!!!

When we dont even have money, how can we start by saving emergency fund

@shawnshalest_hws

3 жыл бұрын

Great question. If your funds are really low you can start by making extra money on the side. Any extra you make can go towards savings. By no means will this be fast or easy but it can be done. Check out my Side Hustles playlist. Again I want to stress that this is a one size fit all suggestion. And by no means am I saying that it will be an overnight fix. It will take hard work and time. Sending you good vibes and wishing you much success. Oh! And my money affirmations video might also help.

@DavidEVogel

3 жыл бұрын

Not to be a smart Alex but spend less than you earn.

@hellokittydimaggio

3 жыл бұрын

You become a nurse 🤪LOL!

@wuestion9473

2 жыл бұрын

@@DavidEVogel No shit. As if that’s always possible. Grow up.

@wuestion9473

2 жыл бұрын

@@hellokittydimaggio While working 70 hours a week? When do you study and go to class?

Excellent ideas. Thanks for sharing

@shawnshalest_hws

4 жыл бұрын

Thanks!

Great tips and nice layout with the easy steps. Budgeting is such an important part of this - and also honestly tracking all of your expenses.

@shawnshalest_hws

3 жыл бұрын

Thank you!

Thank you for creating this content. Becoming close to (if not all the way) debt free is my 2022 goal. I just bought a house in July & #2 has been super hard to remember 😅

@shawnshalest_hws

2 жыл бұрын

You can do it!

Thank you for sharing the information!

@shawnshalest_hws

4 жыл бұрын

Thanks! What methods do you use to pay off debt?

Thank you for coming into my life........i can't thank stop thanking you

@shawnshalest_hws

3 жыл бұрын

So happy I could help :-)

Just Liked and Subscribed and now i am about to take on this Journey. Thank you so much for having a more clearer game plan to follow

@shawnshalest_hws

3 жыл бұрын

Hey Tommy-Lee! I’m super excited for you. Hopefully my videos can provide a little help. Welcome to the HWS family!

First video of yours that I'm watching and I already love you ! 💖💖💖💖

@shawnshalest_hws

3 жыл бұрын

Thank you so much ☺️

Very useful info, thank you for sharing.

@shawnshalest_hws

4 жыл бұрын

+Andrea Onadeko Thank you!

This was very helpful

Your channel is so helpful! I'm so glad I came across it. I actually recommended it one of my recent KZread videos! Thanks for sharing this great info🙂

@shawnshalest_hws

4 жыл бұрын

Awesome! Thank you! I'll be sure to go and check out some of your videos.

@PaulaLJones

4 жыл бұрын

@@shawnshalest_hws Aw! Thank you : )

Thank you for your health and wealth of knowledge.

@shawnshalest_hws

4 жыл бұрын

You're so welcome. Thanks for watching! :-)

Good info, it sounds like a combination of Dave Ramsey tips and debt avalanche tips. I'm following DR baby steps because... long story. But let me tell you the motivation struggles are REAL!!

Always bringing the goods!👍

@shawnshalest_hws

4 жыл бұрын

Thank you so much! Do you have any tips to add?

Thanks for the tips

@shawnshalest_hws

2 жыл бұрын

Any time!

Thanks for the information

Thank you for all you’ve helped me with ❤️

@shawnshalest_hws

2 жыл бұрын

You are so welcome!

Grate information, Thanks for the video.

@shawnshalest_hws

4 жыл бұрын

+Felicia Sims Thank you so much!

Very good information...i subscribed thank you

@shawnshalest_hws

4 жыл бұрын

Thanks for the sub!

When you invest in crypto, you're starting a debt free journey and you are buying a day you don't need to work.

@marywils8118

2 жыл бұрын

If you are using really a good broker or account manager is easier to earn from the market

@marknoble6832

2 жыл бұрын

@Jessica Austin Any specific guide?

@richie6777

2 жыл бұрын

@Mary Spencer Ever since I lost my job with the ministry, I have been surviving through my investment with Miss Victoria, I'm so glad I invested when I did.

@craigbrown7886

2 жыл бұрын

@@richie6777 You are absolutely right, I have been working with her for months now, so efficient and professional, always making huge profits for me

@adamsgreen4220

2 жыл бұрын

@@craigbrown7886 I have been seeing so many recommendations about VICTORIA Q WILSON she must be really good

Great videos young lady I'll be sharing to my Facebook page 👍 Keep up the good work

@shawnshalest_hws

2 жыл бұрын

Thank you so much :-)

Great information in this video.

@shawnshalest_hws

3 жыл бұрын

Thank you.

Great video young lady. I'm debt free as well and i love watching videos from people who are teaching the correct way for others to get out of debt. Awesome. Positive Flow.

@shawnshalest_hws

4 жыл бұрын

Thank you so much! Do you have any tips you’d like to share?

@ericjones3920

4 жыл бұрын

Healthy Wealthy Skinny Hello young lady. Sure. My wife and I are very simple but debt free. If we plan on taking a trip, we start putting money up a year in advance. This to us is the ultimate way to be way ahead of the game. What ever spending we do, we discuss it first. We don’t try to keep up with our friends Or relatives spending habits. We are in our 50’s so we are out of the age of (wanting expensive things). Just keep life simple. Positive flow.

Wow thank you, this is such a great video, value in everything you said, and you’re very encouraging!! Love this ❤️

THANK U SOOOO MUCH FOR THIS VIDEO❤️❤️

@shawnshalest_hws

3 жыл бұрын

You're welcome. I'm so glad you liked it.

Good Info! Definitely sharing.

@shawnshalest_hws

4 жыл бұрын

Thanks for sharing! Do you have any debt payoff tips?

@AmericasFavEA

4 жыл бұрын

@@shawnshalest_hws creating a realistic budget so debt can be prioritized. I've found a lot of people don't even know what they spend each month and certainly have no idea what it's on.

Thanks for this

@shawnshalest_hws

2 жыл бұрын

You’re welcome!

Great video, debt is such a killer! I liked that you said to put some money in the bank first, it is critical for peace of mind!

@shawnshalest_hws

4 жыл бұрын

Thank you! And debt really is a killer. Taking that debt free journey is so worth it.

Thank You.

Thank you for coming into my life........i can't thank stop thanking you..............

@littlebaby3080

3 жыл бұрын

*All thanks to legalhackz on IG for helping me clear my bank debt i recommend him to you all*

@shawnshalest_hws

3 жыл бұрын

You're very welcome. :-)

I just got a car loan so I will be following you for awhile.

@shawnshalest_hws

3 жыл бұрын

Congratulations! And welcome to the HWS Family!

Thank you for your time :)

@shawnshalest_hws

3 жыл бұрын

My pleasure!

Great ideas, thanks

@shawnshalest_hws

3 жыл бұрын

So glad you like them!

Love from India...Thanks Mam its now giving me some idea as I was clueless what should I do

@shawnshalest_hws

3 жыл бұрын

My pleasure 😊 Thanks for the Love.

Nice tips. :-)

I want to thank you so much

@shawnshalest_hws

2 жыл бұрын

You are so welcome!

Great information. But how do you save an emergency fund if you live paycheck to paycheck?

@shawnshalest_hws

2 жыл бұрын

It's a hard situation. And when you don't have extra money past your living expenses and you have cut as much out of your budget as you can its time to start looking for ways to make more money. This looks differently for everyone. I have a couple of videos that give side hustle ideas or shoot me an email and we can talk one on one. shawn@healthywealthyskinny.com

Good Morning Shawn. Have A good Day.

@shawnshalest_hws

2 жыл бұрын

Good morning! Have a good day too!

Thank you

I like some of the idea

I agree with you there

This video was awesome! S/O to the KZread algorithm for putting this in front of me! New sub! #366 keep these coming, you're going to help lots of people! 😁

@shawnshalest_hws

4 жыл бұрын

Thank you Q! I really appreciate the kind words. Thanks for subscribing and if you have any topics you want me to cover just said the word.

Dave's work..❤

@shawnshalest_hws

4 жыл бұрын

Gotta love Dave!

It felt so good to pay off the debt. I just don’t want to owe. I want no statements and got other wealth building plans.

@shawnshalest_hws

4 жыл бұрын

I’m sure it felt awesome!!!!

@Annabee399

4 жыл бұрын

I know!

So fire

@shawnshalest_hws

3 жыл бұрын

Thanks!

Back after a year an this is still a great video! I'd love to collab and do a video on eliminate tax debt when you're on a low income

@shawnshalest_hws

3 жыл бұрын

Hey! Shoot me an email and let's discuss your idea. :-)

@AmericasFavEA

3 жыл бұрын

Absolutely, I'll reach out this week.

how do you create an emergency fund with low funds ????

Great Video.. I have some cash and m confused to which debt to pay off.. I'm getting allergic to EMI's on credit card.. do I need to pre close the EMI's in my credit card? Thank you!

@DavidEVogel

3 жыл бұрын

I have some cash and m confused to which debt to pay off. Numbers tell you to pay the debt with the highest interest rate. But humans are not numbers. We are "emotion" driven. Pay off the small debt. This will give you a feeling of accomplishment. And then you are better prepared to tackle debt #2.

@leenaat

3 жыл бұрын

@@DavidEVogel agreed.. Thank you😊

What do u think about leasing a car Vs buying it cash ?

I'm at 12 k now, with 10k just about in the bank, I was gonna keep paying 3 k till it's paid off by April and save for a down payment on a house or condo for August but I was tempted to just save 3 k more and then just pay it all off by February and then save till August for the house/condo what do you think ? And congrats I hope life is still treating you well !

I do and still broke closed my savings cause I couldn't save got to be a better plan

Background music very disruptive

@shawnshalest_hws

3 жыл бұрын

I agree. I stopped using it some time ago. This is one of my earlier videos. Thanks for your feedback.

Is best to do a credit balance transfer if the APR rates are from too high to a lower rate? For example from 24-25% to a 9-11%. My credit union is offering me that but I would have to get another credit card from them. Any suggestions?

@shawnshalest_hws

3 жыл бұрын

Hey Jacob, there are a few things to take into account when thinking of doing a balance transfer. Are they offering you a O% APR period? Is there a balance transfer fee? And will the balance on the new card to enough to hold all of the balance from the card with the higher APR? The best balance transfer cards offer a 0% APR period, $0 Annual Fee, and no balance transfer fee. They allow you to pay off your debt faster with no interest.

@Jacob0824

3 жыл бұрын

@@shawnshalest_hws I just spoke with representative from my bank and the APR is 9%. There isn’t a balance transfer fee.

@Jacob0824

3 жыл бұрын

@@shawnshalest_hws I’m still looking for a better situation whether it’s my credit union or another credit card or other credit cards such as capital one, discover, etc.

@shawnshalest_hws

3 жыл бұрын

No transfer fee is good. If they were offering you a 0% APR period that would be better. But if you have a very high interest rate on the other card and you need more than a few months to pay it off then going to the lower interest rate card will help.

@shawnshalest_hws

3 жыл бұрын

I'm thinking about doing a video on the Best Balance Transfer Cards. Will that help?

Credit card companies will close your credit card account with a zero balance if you don't use it after a few years. This just happen to me with JCPenney. I paid if off in April 2018. They closed my account at the beginning of this month. This has happen to me with other credit cards. Can't afford to use them once they are at a zero balance. Thanks

@shawnshalest_hws

2 жыл бұрын

That is a very good point!

A smarter, more attractive Dave Ramsey❤️❤️👍

Well I disagree with the credit card thing you want to have a credit card and pay it off only spend on it when you have the money otherwise the interest causes problems if you are pay when you use it you will never gain interest therefore money back is profit

@shawnshalest_hws

3 жыл бұрын

That is a very good point Anthony. A credit card can definitely be a positive if you have the discipline to pay it off every month.

@DavidEVogel

3 жыл бұрын

Is that one sentence?

During trying time right now we need help

@littlebaby3080

3 жыл бұрын

*All thanks to legalhackz on IG for helping me clear my bank debt i recommend him to you all*

@shawnshalest_hws

3 жыл бұрын

Very true... and I love that KZread helps to build a community where we can help each other.

Which would you tackle first, credit card debt or student loans??

@shawnshalest_hws

4 жыл бұрын

+Lizzy G Hi Lizzy! I like to always start by saying I’m not an expert. I just do a lot of research and form my own opinions. Based on my research it’s best to focus on the one with the highest interest rate. Normally this means focusing on your credit card debt first. This does not mean that you do not pay your regular student loan payments. This just means that any extra money you have would go towards paying your credit cards off.

@lizzyg2380

4 жыл бұрын

Healthy Wealthy Skinny thanks! I’ll do that

Trading with an expert is the best strategy for newbies and busy investors who have little or no time to monitor trade. I will advice you to stop trading on your own it's very risky, Seek the advice of a professional trader

@changwu9039

2 жыл бұрын

Any specific guide?

@markanderson2335

2 жыл бұрын

@@changwu9039 I recommend Mrs Victoria Q. Wilson of UCLA Anderson. she's quite exceptional when it comes to this and her methods are working for me at the moment

@tylerliam335

2 жыл бұрын

@@markanderson2335 What surprises me about her mostly is she gives her client's access to her trading site whereby they can monitor their trades on a daily basis

@patrickthomas7944

2 жыл бұрын

@@tylerliam335 Who is this professional everyone is talking about? I always see her post on top comments on every KZread video I've Watched

Am owing 10000Dollars

i love the girl in the video she is so hot