10 Tips to Pay Off Credit Card Debt in 2022 | (how I paid off $20k of credit card debt in a year!)

Here are 10 of my top tips to pay off credit card debt fast in 2022! I paid off $20k of CC debt in a year, and here is what I learned along the way.
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DESCRIPTION:
I know that dealing with high interest credit card debt can fee overwhelming. It's hard to break out of the paycheck to paycheck cycle and finally pay off your credit card debt. Today we are going over 10 of my tips for how I paid off credit card debt! We talk about creating a budget that actually works for you, using a high yield savings account to save more money, and whether I used the debt avalanche or the debt snowball to pay off my credit card debt FAST.

CHAPTERS:
0:55 cancel subscriptions
2:54 negotiate bills
4:42 budgeting for iced coffee
6:31 learn to cook
8:05 open a HYSA
8:52 refinancing credit card debt
10:35 debt avalanche
11:29 zero-based budget
12:43 cash back apps
13:39 personal finance books

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Views expressed in this video are my opinion and should not be interpreted as professional financial advice. I am not a certified financial advisor.

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[AndyBHome]

I see a lot of bad debt reduction advice on YouTube, but this is not in that category. This is solid advice. I'm glad there are people like you making these videos because I think they can really help a lot of people get control of their own finances.

[GH]

Panda Express. That's the place that's near and dear to my heart because of memories with my mom when I was younger. So I completely understand wanting to budget for something like coffee if it reminds you of happy memories with your dad.

[marcellagamble]

Thanks for your video.
Going to sit down tonight, and write down my biggest debt, and smallest.

[gineenspring]

I Like the Tip of keeping 1 thng that you like!

[danielponder]

Good recommendations, the personal loan is a good thing to consolidate and pay debt in one place, but thank you for mentioning the caveat, unfortunately if you're maxed out and your score stays low AF, it's hard to do that and get anything reasonable...limit on one card recently went up so I'm hoping that's enough to get the score up in a month or two...

[shayincolorado]

11/7/23 OUTSTANDING video, great job! learned so much ty

[misseyespy]

Thanks I don’t know how u do it in a year! Omg but every dollar counts is a great mind set and I will lookat the zero budgeting. I was paying highest debt down but feel like I am never going to get there. I might try the opposite go for the lowest thanks again yes cancel our unused gym membership lol to start …

[terencescott]

Ive been doing zero based budgeting for a while now but it has gotten me into trouble a time or two. I recently got a PLOC so now zero budgeting with a PLOC has created so much flexibility my stress level has bottomed out. Knocking down debt is a breeze now.

[natibet]

I struggle with creating a zero based budget cause i see unassigend money like a buffer in my accounts but at the same time the money just goes through and i can't seem to stop it and at the end i spent money in places i dont remember and run out of funds towards the last week of the pay period 😮😢

[Paige.Robinson]

I always pay off my credit bill Each month even my due date on 25th july!

[princessmeganelsa]

I always pay off my credit bill Each month even my due date on 25th july! 🙃🙃

[frankbonet]

I'm always negotiating Dish bill. Since I no longer have a contract with them, I asked them for a better offer or otherwise I'll switch, and viola it happened.

[elchicovip]

Bro, beans and rice is lit. Probably it's your cooking.

[stephaniew.]

Why is Dave Ramsey ‘he who should not be named’? Name another person who has got more people out of debt than that one man.

[jdssurf]

Ppls 5 bucks a day at Starbucks is 150 bucks a week. Crazy