I love your motivational tidbits. Thank you. I started my journey last January and was able to pay off $10k and this year ive already received a huge blessing in that i got a big promotion so will be applying alot more now to my debt. I want to payoff $20k this year. Im doing a combination of snowball and velocity banking and its increased my snowball quicker. Ty again

@lymanjoy

6 ай бұрын

Love this!! You sound very motivated, I bet with that promotion and how well you did last year, you will surpass the $20K goal. I am so excited for you. Thanks for sharing 😀

I use your debt pay planner and it worked and I was able to payoff a predatory loan, by four months early, with its help. I’m on a no spend January “dry January “ lol but as soon as February comes I plan on getting again. Thanks for all you do, ❤ to help us along the way. Sound like your feeling better.😊

@lymanjoy

6 ай бұрын

That's absolutely amazing, 4 months EARLY. Wow, and starting out the year with no spend. I can't wait to hear how your debt payoff goes this year.

@lynnyo1467

6 ай бұрын

I'm impressed!!

You explain everything so simply! Thank you for taking the time to create these videos. You have truly helped me out on this journey! ❤️ Also....I love your nails! Simple, natural, and clean. 😁

@lymanjoy

4 ай бұрын

Thank you for these kind encouraging words!!

Hi I really enjoyed this video. Great information for paying off debt. Thank you for sharing.

@lymanjoy

6 ай бұрын

Thanks for watching!

Congratulations!!! So inspiring

@lymanjoy

6 ай бұрын

Thank you!

great video!! glad this has worked out for you, im going to apply this method this year to get rid of mine, gave me lots of motivation, thank you xx

@lymanjoy

6 ай бұрын

Awesome, super excited for you. Let me know how it goes. 😄

I have a debt payoff app. I have all my debts on there as you do right here. It will give approximate time for payoff based on how much extra you pay above your monthly debts. In 2023 i paid off about $18,000-$20,000. This year im doing a savings plan specifically for my debt. I put $200 into 50 envelopes and that will give me $10,000 towards debt. So far im at $5200

@lymanjoy

6 ай бұрын

LOOVVEEE this!! Congrats, it sounds like you will be debt free in no time. How exciting. Thanks for sharing. 😀❤️

@rhondamason5850

6 ай бұрын

What debt payoff app do you have? Is it free?

@mommifong

5 ай бұрын

@@rhondamason5850hi I use debt payoff planner. It’s not free but it is nit expensive like 24 a year. Absolutely the best app ever. Look it up on KZread, DebtPayoffPlanner

I am finally going to start paying down my debt this year. I finished nursing school and graduated, so now I am able to focus on my job/career. I am also just excited to spend time with my family. I love your videos and absolutely enjoy watching them. I think I have to use some physical trackers that I can color in too. I think that will help me in staying focus too. Thank you for your videos and your inspiring words.

@lymanjoy

6 ай бұрын

I am so excited for you!! Let me know how it goes. I will be doing debt check-ins along the way, and I would love to hear and root you on along the way, too. Doing hard things with community makes it sooooo much better. YOU GOT THIS!!

I love these videos to keep us motivated!! We are in this together!! 2024 is a new great year, I know everyone will paid off all their debts soon

@lymanjoy

3 ай бұрын

Indeed we are, I am so encouraged by you all!! Thanks for keeping me motivated and encouraged as well!!! Debt Free soon!! Keep it up

I'm in year two, thanks for the inspiration.

@lymanjoy

6 ай бұрын

Well, I wish you the best payoff year yet!! You got this!!

subscribed!! you are a great inspiration to everyone seeking ways for a debt free journey might as well as financial freedom.watching u from germany!

@lymanjoy

3 ай бұрын

Thanks for watching!! And for the very kind words!!

This is the best technique I've seen, when you do per paycheck or per week it will be less stressful and effective

@lymanjoy

3 ай бұрын

Thanks, it has been very helpful and the key to paying off debt for me. 😃

Hi ! Thanks for your videos , do you sell printed planners , or can you suggest budget binder for letter size . I purchased the digital downloads of 8.5x11, don’t want to have them go to waste .

@lymanjoy

10 күн бұрын

Lanpn 8.5x11 inch Scrapbook Photo Album, Linen Cover Archival Acid Free Top Load 3 Ring Binder Folder Photo Book 8.5 x 11 with 30 Plastic Sleeves 60 Pages (Black) a.co/d/2RDJRdB

@lymanjoy

10 күн бұрын

Leather 3 Ring Padfolio with Calculator Blue Professional Portfolio Binder Organizer Briefcase Personalized Document Folder a.co/d/1Q2IZU1

I apologize if you mentioned this before, but what type of Heloc did you use? I'm curious because I just received an offer from Aven in the mail and am curious if I should do it. I only have about $8,000 in credit card debt that I want to consolidate. I have a car payment and school loans to help my daughter for school that I would not include in the loan. Thanks in advance

@lymanjoy

6 ай бұрын

I used element financial, and they had the best introductory low apr for me. Make sure with interest all crazy interest rates you get a low intro interest rate and have a reasonable early payoff fee so when intro apr runs out you can transfer.

@robinlanders8551

6 ай бұрын

@@lymanjoy thank you for the information! I appreciate the help.

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