I wasnt financial free until my 40’s and I’m still in my 40’s, bought my second house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing is a grand choice I made. Great video! Thanks for sharing! Very inspiring! I love this

@eadad4371

Жыл бұрын

Not quite long I started investing. I'm very curious and need help on how to enhance and increase my returns. Any good investment tips would be appreciated

@skoopqueen

Жыл бұрын

@eadad4371

Жыл бұрын

@@skoopqueen I don’t really believe in luck. I learn from one of the best. Gaining from investing is possible if only you can control you emotions, always sticking to the original plan ( cutting your greed to acquire more profit with a particular trade). I had a similar experience in the beginning until I met a professional her name is REGINA LOUISE COLLARO she is quite popular for her services, she made me financially stable investing through her help now I earn on a monthly basis through her passive income strategy... So I’ll advise you do get a good Investment advisor for yourself.

@emeldcentor1474

Жыл бұрын

@@skoopqueen I have had the intentions of starting investing. But I always thought it was late and I think I need to stop procrastinating. I will definitely 🔍 Regina Louise Collaro and see what she can advise .Thanks a lot . This was of so much help to me .

@Alexedmartin

Жыл бұрын

@@eadad4371 You can easily find her details online by searching her name. She even got featured on CNN recently, she's quite easy to work with irrespective of your location

Listen, that moment when you had to stop filming to be a mom and then come back WAS EVERYTHING! Honestly made it feel so much more relateable and I tuned right back in because I was zoned out for a moment. Thank you for all that you do! I have the same "never gonna get this done" feeling and I really needed that!

I started being more intentional with my financial freedom goals at the beginning of this year. Listening to your experiences and wisdom has encouraged me to be patient in this JOURNEY

All I know, if someone shares information that help them out and could help others……they are on the right path to more success! Keep being a blessing to yourself and others! Awesome Content! I absolutely wish you and your family the best!

@melissabrooks6352

Жыл бұрын

Hello, do you still need help with this? I could give you recommendation to a guru that help m out when I had similar problems as yours.

Thank you so much for the relate ability, the pause for motherhood and balancing life is everything ❤❤❤

I just got approved for the citi Diamond card and it has a 0% APR for balance transfers for 21 months! About to take advantage of it 😭

@thefunfam1433

7 ай бұрын

Mine was only for 12 months

@terencescott3957

5 ай бұрын

I just got the same card. For 21 months also. It was a God send. I had a large personal loan that was $760/mo. Now i'm paying less than half of that a month. Now i'm able to redirect those saved funds towards other bills that have an interest rate.

@briceh1001

3 ай бұрын

Do you mind telling me what your credit score was at the time you applied? I have a 680 and I’m wondering if that is high enough

@JenH39

2 ай бұрын

Your child made me laugh. Lol. Mom life. Thanks for the tips!❤

@Typemind

Ай бұрын

@@JenH39same 😂

Thank you!!!! ❤ I’m going to put this plan into action!

Thank you! And bless you for being a mom & helping our future!!🌍

Thank you so much for the information you shared here! Such valuable information! I will be using your tips to help me pay off my debt.

This is very helpful and realistic. Thank you!

I feel you on that attack your cards like a maniac. It made me laugh because that's what i'm thinking in my head all the time. I make so many payments a month it's crazy. One little trick I use is even when a payment is not due, i'll look at my checking account balance and if the ending is lets say $974.23 I will send the $74.23 as an additional payment. And I do it all year long. It puts a big dent in things.

Tip, when you get the 0% balance transfer card, setup an auto payment. Once that is done, DO NOT use the card. Only use it for that balance transfer. Pay down your credit card.

Thank you for this knowledge!!

I freaking love your personality. I keep coming back to this video because it’s can’t seem to pay off my debt 😢😢 but I’m still working on it!!!

I love seeing you momming during the video!! ❤

Very useful video. Thank you Dyana 😀

Thanks for the great information! Just found your channel and subscribed!

Awesome video, thank you!

Godspeed Dyana! Single mom's have the toughest job in the world. I was brought up by a single mother and you guys are the toughest out there.

Thank You for that Wisdom

If you have no self control, do not get a CC.

@jennylopez2780

Жыл бұрын

where were you 24 months ago 😭no but yeah honest truth!

@Beatles0223

Жыл бұрын

That's not always the case.

@Analaya749

Жыл бұрын

Self control? What about having Covid, being out of work for 2 months then your kid having open heart surgery and being out of work another month. Then being so far behind that you have to move back into moms being so far from work you can only work 5 hour shifts because you have to get your kid to and from school. Not everyone is materialistic and irresponsible.

@velshock

Жыл бұрын

Don’t be so judgmental. You don’t know people’s lives.

@niecyh2313

Жыл бұрын

You don’t know a person situation. Self control has nothing to do with this

Great advice!

Yup, I've used this strat too. I also opened up a Journey student credit card from capital one that requires low credit, so I got a higher limit. After 6 months of successful payments of just charging my Spotify on it per month got me an additional 3,000 on my card and lowered my utilization rate

This was so helpful!!!!

Great accomplishment!!

You're story is so moving, you're a bada$$ mama. Thanks for sharing and helping others! "My little payments were being eaten alive", ugh, that's SO ME NOW. Trying to get serious. ❤❤❤

Thanks for the video. I just did this. The only problem was the new card didn't have a high enough credit limit to cover my entire debt. But every lil bit helps. So now I have 2 cards to pay, but one is at 0% APR.

Thank you so much for this information. I am doing this TODAY!!! You are God sent.

This makes more sense than any other way I have heard of. I've been on this internet searching for some help. I think this is my answer.

Yesssss I’m going to need this

THANK YOU SO MUCH !!!

Thanks for sharing. Hey, consider it a blessing to have your kids with you while working. They appreciate having you there, it may not seem that way but they do

Great advice! I heard of this option but was skeptical, however you have shed some insight and now I'm definitely researching more. Question, were you able to put both cc AND car loan debt onto these cards? Did you use separate cards for each?

Thank you so much.

I absolutely love when the kids come visit. Real life.

Covid put me in a hell that I’m dying to get out of. This makes sense but at the same time I’m terrified to try it even with working 2 jobs. But I feel like this is literally my last option. This was a great video! 👍🏼

@christineschmidt1025

9 ай бұрын

Same, my health has been changed so much I can’t or don’t feel like I can work 8 hours anymore. I cancelled all but two credit cards and got all but 4 down to 0% and two of them lowered my APR and the others are almost paid off. I refuse to go in credit card debt again. It’s horrible at these current rates. Do not have more than one-no matter how good that first deal is.

Love all of your content and tips! thank you for sharing!!!

Thank you very much.

Thank you ❤

Most credit cards continuously offer the 0% promotion so If you still have a balance after the intro, flip it to another 0% card.... and just flip flop between them till the debt is gone. Most credit cards didnt offer the 0% during the "shut down" but now they've been revving up the offers.. If you cant get approved for a card that has a 0% intro APR, some cards offer 1.99% interest for your paydown...which is still a lot better than the 18 to 24 %they normally offer

@thefunfam1433

7 ай бұрын

Interesting. What credit do you need for 1.99

Love the authentic video

Greatly appreciate the information. Never used this method before but I've been contemplating it for some time now. Just not as informed as I like to be to take action. So thank you for your time and effort. 👍💜

I love my Discover card too. We see eye to eye with the Discover card. Thanks for the 411.

@sskiddles31081

5 ай бұрын

Yes!

YEEESSSS this makes so much sense. Thank you for sharing!!

Excellent..😊

So happy that you use a credit union. 🎉

I going to look into this

I used a 0% interest card to buy my new couch, my wife’s wedding ring (she likes diamonds) and my half of our IVF payment. I had 15 month to pay it off and I got it paid off a month early!!!

@melissabrooks6352

Жыл бұрын

Hello, do you still need help with this? I could give you recommendation to a guru that help m out when I had similar problems as yours.

@melissabrooks6352

Жыл бұрын

Hello, do you still need help with this? I could give you recommendation to a guru that help m out when I had similar problems as yours

@chaselesser3191

3 ай бұрын

I’m glad you were able to pay it off. That was about to start to sound scary. None of that was cheap. Especially the IVF. I hope that went well as well.

THANK YOU

I just started the process for a balance transfer and am excited to soon be credit card debt free!

LOL. Thank you for the fly moment ;-) Subscribed just because of this! XO

Thnku so much....I fell into a hole with the credit one card Never again

Hii!! Thank you so much for sharing! Quick question! Did you use more than one card to pay down others or are these different cards from different parts of your journey? I’ve been hyper focused on finding one card only. Thanks!

Thank you

Thank you for not trying to preach side hustles. As a parent of 3 with a wife working nights, 90% of side hustles aren't a realistic option. I've seen many videos with your process as well. But most also push getting a side hustle on it as well. Thanks for being real, and even throwing in the interuptions from your sweetheart of a kid. I appreciate ya.

@5:54 mom life, 😀 I swear my kids wait until I’m on the phone or busy to interrupt me. I used to get aggravated, but now I just smile and go along and see what it is they need.

@DyanaMariie

2 жыл бұрын

It’s like they know when you’re doing something!

@lachele7099

Жыл бұрын

@@DyanaMariie 🤣🤣 I saw that! You handled well though.

Great video, thanks. Do you have a blog, Facebook page or something to ask questions?

Good ideas for people with good credit. And right now " our new economy", the 650 score might not get you those credit benefits. But back then yes.

@user-by6io6qu4b

2 жыл бұрын

i have been trying to fix my credit till i was recommended to john and he boost my score .. check him out he will do the same thing to you that you can never imagine___ look up is details._

This is good advice 👏. Thanks for sharing 👍I'm paying off credit debt now.

@user-by6io6qu4b

2 жыл бұрын

i have been trying to fix my credit till i was recommended to john and he boost my score .. check him out he will do the same thing to you that you can never imagine___ look up is details._

One question I have is Once I pay of my credit card do I not use it? I have been using it just for gas now and use more than 30 percent still a month.

How about a video on savings accounts

How do I get approve new zero apr credit card when credit card companies will deny my application because so many high balance credit cards I owned

Thanks for sharing. Did you paybit off? Or did you have to get out another card with a 0% apr

Food for Thought Thank you for posting 🤔 the Person you are Becoming needs You Keep Going 😇

Thank you for sharing. I’m trying to recover from post divorce CC’s that my ex racked up. Plus legal fees so I could have custody of our kids.

@netm203

Жыл бұрын

Mike that shit sounds crazy.

For your viewers. To help fix your credit score use a secured credit card. With it, YOU, set your limit. Know the rules though too.

Use the big paper lol so cute

I hope to refinance at the end of the year!

What if you can't get approved for another credit card?

The way how you talk makes me know that you felt the same pain I’m feeling now, but I’m happy I came across this because it’s time to put the plan into action. Thank you queen 👸🏾❤️

Research velocity banking as a much faster method to pay down your debt. Cheers

I was against balance transfers but I did it a few months ago and it changed my life! 😆

@jayhutch794

Жыл бұрын

Nothing wrong with balance transfer

@laskinny1410

Жыл бұрын

Will it remove late payments from my ither cards if I do a balance transfer?

@jayhutch794

Жыл бұрын

Exactly it works

@MsWindexter

6 ай бұрын

@@laskinny1410No

I would love to get a zero percentage card. But my score isn't high enough.

The most important thing you said was behavior!

omg dyana....why are our stories soooo similar lol Love Love Love this!!

@user-by6io6qu4b

2 жыл бұрын

i have been trying to fix my credit till i was recommended to john and he boost my score .. check him out he will do the same thing to you that you can never imagine___ look up is details._

@DyanaMariie

2 жыл бұрын

Girl, this has been a journey lol

How do you transfer to another card ?

Great advice. Thank you so much for sharing.

I tried this method and I’m debt free

I have 650 score and yet got denied, do you know what would be the reason?

Wow, thank you for this video. It was really encouraging !

Thank you for your time to make this video and sharing your experience ❤🎉 you are truly amazing 🥰 this helped me to make my decision to pay off my debt the right way

I’m loving this video… thanks

I have credit One bank cc. Two of them equalling $1449.05 with no transfer option available to me. Would you recommend paying them off now?

@Meger_tools_on_instagram

Жыл бұрын

🔝🔝🔝🔝 cleared up my 35000 credit card debt I couldn’t afford. I was lucking enough I fond him you can text him for help

Question???? I am trying to pay off debt and I don't like due dates (LOL). I have decided to pay one of my cards off and put all the monthly bills on it while trying to pay off the other 2 cards that I have. Do you think that it would be a good idea to put monthly bills on a credit card.

@onemorelivingvids

Жыл бұрын

Only if you have auto payments set up for the same amount as your bills

Your link for the chase slate card doesn't work

Thanks for sharing your story. First time viewing. I’m subscribed!❤

My car is at really low interest so almost all the payment is too principle but i totally agree with what your saying on balance transfer.

A lot of CC's wont allow you to use another Cc to make payment.

I use every 0% interest offer that my creditors send me. It truly helps doing the balance transfers but you need to keep yourself in check or you will be back to square one.

@melissabrooks6352

Жыл бұрын

Hello, do you still need help with this? I could give you recommendation to a guru that help m out when I had similar problems as yours.

What if I can’t get approved for another card to save my life 😩

If I don’t get the debt paid off in the 18 month time, can I transfer it over to a new card to reset the no interest back to 18 months and keep going? … I understand there will possibly be transfer fees but besides that, is this an option???

yes! awesome advice. I am considering doing this to knock out a big chunk of my student loans and pay them down over time with minimal interest

Sis, are u saying “Discover it?” Is that different from the Discover card?

I got $14,000 on one card. Only thing I can do is pay over time. One year I would need to pay $1200 a month. I currently pay $350 a month. Make more money lol

I understand the concept, but I really don't need another credit card though.

Do you know if you can do a balance transfer to PayPal?

@sarahdawson9843

3 ай бұрын

No but you can get a 0% money transfer and then pay off PayPal. 😊

I always pay my card off way before the introductory is over. Its lole a game agasimt time for me.

Please help me make my credit better I’m retort my credit journey as you say. I messed it up when I was a lot younger. Now that times past I’m getting a second chance. My credit just went up yesterday from690 to 705 so I’m so excited. I don’t know if what I’m doing is the right way to do things. Please help me you seem very knowledgeable and intelligent.(gorgeous)no disrespect lol. But I would pay you if you could show me what I need to do and if what I’m doing in wrong decision or the right one. Im just confused and want to make this work this time around and build a better life and I know having credit good credit is a must. Please help me. Thank you so much. Have a wonderful weekend and a great 2023.

@richgirl3457

Жыл бұрын

One thing you can do to raise your score fast is to see if your parents, friends or someone you know have a credit card they can add your name to. You don’t even have to use the card and it’ll show up on your credit as a positive and raise your score up within 3 months. I’ve done it for my kids and their friends. Hope this helps!🙏🏽

@danielbakoian4435

Жыл бұрын

Hi I got 3 new cards I did need up my utilization by waaay over spending but I paid the bill in full early. But my score went waaaay down ???? Dropped from 705 to 585!!!????? Why?and will it go back up soon? I need to stop using them and keep my utilization down but I paid it in full. Why would it drop ? Can u pls tell me ? And let me kno if it’ll go back up? Thank you so much

@richgirl3457

Жыл бұрын

@@danielbakoian4435 it should go back up but it also depends and how many other credit accounts you have. Student loans are looked at as “good debt”, and how many years you’ve had a credit history. Also look to see if something else may have hit your credit report that you may not know about. I had bad credit for years b/c I didn’t have credit was too scared to screw it up but the only way to do that is not never establish any lol. Things will turn around just not Sure how fast. Hope this helps🙏🏽

@danielbakoian4435

Жыл бұрын

@@richgirl3457 Thank you I will probably be nothing you agin for more help. I don’t have any student loans and all my credit is 6 months or less the real actual 3 credit cards I got are all less than 3 mI the old and I’ve got 3 credit builder accounts (Cred.AI, secured card) (Atlas Card,secured card and Kickoff account that I pay 5 bucks a month for a year. So I’ve got 6 cards that will all eventually report to all 3 credit bureaus. Not all are old enough to report. So you think it’ll go back up? I’m so worried it’s all I think about. I paid everything but then went and used the cards again but I’m gonna pay them all again in the next 2 weeks I’m full. Then I’m gonna leave them alone. It was all from Christmas. I hope it’s okay that I bother you with advise and questions. Thank you. Have a wonderful night. Really thank you for responding and helping me. 🙏🙏🙏❤️

@richgirl3457

Жыл бұрын

@@danielbakoian4435 No bother at all. And yeah it may just take some time. I can identify with being obsessed about credit score. I was turned away many times, but my higher power let me see that not only was I trying to build credit I was also feeding my ego b/c I wntd to brag and be able to buy EVERYTHING I wntd lol. Saying all that to say I’ve been where you are and if I could give my younger self some advice I would tell her to be grateful for all that you have and be present in the moment trust god and know that you have nothing to fear, you have everything you need and all is well. Hope this helps🙏🏽

I use the balance transfer hack ! i’m saving so much $ 😩 my current cards are giving me a promotional APR bc i paid it off 🤩 thanks for sharing !

@user-by6io6qu4b

2 жыл бұрын

i have been trying to fix my credit till i was recommended to john and he boost my score .. check him out he will do the same thing to you that you can never imagine___ look up is details._

Thank you so much! I truly need this video. I got my first credit card in February this year with Discover as a college student. I got the all cash back college card with a 0% intro APR for 6 month for about 2,000 dollar balance. I slightly went over my own personal set account but life happens since next month is my last month of the 0% intro APR I been trying to think of ways to get it payed off or pay a large amount by August.

@angelgirldebbiejo

Жыл бұрын

Find another transfer card so you can transfer it to another 0 percent ....