My Huge Credit Card Debt Payoff | Low Income Debt Free Journey Finale

I can hardly believe I’m doing this!! After getting my emergency fund to $30,000, I’ve decided to take the leap. In this video, I bring you along as I push pass my fear & pay off all my credit card debt. I am sad to see my savings shrink but I’m ready to achieve my goal of credit card debt freedom. Join me as I make my largest debt payment ever and finally bring my debt journey to its finale.

Please feel free to leave a comment to let me know you were here. I'd love to hear from you. I respond to all comments.

#creditcarddebt #debtfreejourney #lowincome #debtpayoff
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Camera:
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Video Editor:
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[debtnone]

Hey there beautiful people!!! Thanks for stopping by. 🤍 I get really anxious when I feel like I don’t have enough savings. So what gives you anxiety in your financial journey? Let’s chat 🤍

[thehousingvlog]

You go girl! I have 20k in savings and 10k in debt and I am terrified to pay mine too 😢 You have inspired me.

[samanthalee]

Congratulations!!!! I think we are going to take from our emergency fund to finally pay off the car in May! So excited, we've paid off 150k in the last 5 years. we are SO excited to finally be done.

[hernanrobles]

On the same journey and April 2024 was like TORTURE!!! But ending on a good note which is finally being debt free! im on recovery mode and again fully funding my emergency funds account. KEEP IT UP!!! We're tired of being broke and feeling paycheck to paycheck. NO MORE!!!

[jeanm]

I'm so proud of you Kim. I just paid off a couple of my credit cards in the last week and it feels so good. And like other people are saying in the comments the money you were paying towards your credit cards will now go to savings and your savings will grow much faster.

[SmecaWash]

This was so real and I’m excited for you.. when I say I resonate with you girl, I had cc debt opened a personal loan for $5k more than what I needed just to add it back to my account and eventually paid an additional $2k on it because of interest, we do dumb things when we don’t know better but now we both on this journey and it’s great to close this chapter

[tonyaether]

This is so exciting!!! So happy for you! I am fighting paying off my student loan. I used the payment pause to go from 73k to 19k. I want to pay the balance with our savings but I just cannot do it. I’m going to keep plugging away until Dec. and hopefully I can get up the nerve to pay that lump sum by 12/31. That will just leave our mortgage.

[KMOS]

Congrats So proud of you!! You are so fine!! 😍☺. I hope the debt stays off!!! congrats again!!!

[heiresswithchrist]

congrats! you're inspiring me to do the same.
I've been trying to fear nothing but God, so I shouldnt fear paying my debt off with a big sum.
I think I'm going to do it next paycheck.
after all, "faith without works is dead"

thank you Kim
😊

[laurenchavez]

I love your videos. I totally feel the getting anxious about depleting savings. But that mentality is what causes us to have high credit card balances. I’ve recently started to shift my mentality to realizing that even if I have money in savings but I have credit card debt, that money I have in savings isn’t really mine. Because I owe that money for things I bought in the past and a lot of times for things I don’t even have anymore.

[GillianBudgets]

This is such a wonderful step in your financial journey. You will surpass the 20k by end of the year... Starting with 14k is amazing 🎉. Enjoyed hanging out with you lovely 😊

[heiresswithchrist]

Idea: Underconsumption is a trend right now.
Maybe do some content around that, it will fit into the frugal life direction! 😄

[lindapalm]

Great decision it's off your shoulders..put back that money back in your savings you'll get there quickly. You got this!

[moneywithjustliving]

Kim, I am so upset. I am not getting your notifications for a new video. Ugh. This is awesome, congratulations! I am so proud of you for just doing it and getting rid of that cards. Can you do a follow-up video on why you had so many fears and how you feel now that they are gone. Thank you.

[katresealexander]

I like your personality and your channel. Congrats on paying that much off. I think that you made a great decision. Debt keeps you stuck, so now that you are free, you'll be saving more money than the debt you just paid off. There's nothing holding you behind now. Great job 👏🏾

[Itsmedesydes]

I’m so happy for you OMG! I know that was a huge weight lifted off of your shoulders! You’ll get your EM back up in no time! So inspiring! Keep going Kim! ♥️🎉🎉

[lindapalm]

I am way in debt and going to try to get debt free you are an encouragement to me. Congrats! Breathe now a lot better now.

[greatwhitenorthtreasures]

Kim - Awesome job! Time to start rebuilding your long term savings/emergency fund!! Heidi in Canada

[oldschoolbudgets]

Hey Kim. As painful as it seems to take out of your savings, just know the bill is taken care of it. Making boss moves 🎉

[kemi]

Congratulations 🎊. Your savings will fill up so quickly without all that debt dragging your budget down. Abundance is coming your way!