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How im paying off $96,875 of Debt (as a 23 year old) and $96,875 of $75 in debt and this is how I'm going to get out of it. I had to bring out the notebook. I literally had a full breakdown. If you're wondering why I'm like crying or anything like that, it's okay. That has already happened and has passed. And I literally am in the state of let's get this done, tackled. It's not something that is done and tackled, but I am putting every step forward to making sure I have a plan for this. I laid back about it, they about getting their money back. About... Let's talk about what my debt is actually split into. So I have two categories and four subcategories. The first category is credit cards: $2,505.4 total. The first credit card that that is on is my Discover card, which is at $1,995.39. Then I have Capital One card that is at $510.01. So that was in my own, with literally credit card debt is literally living above my means. I got trapped real quick and I noticed it quite early on. Next is the big chunk of what all my debt is coming from right now, which is my student loan debt. I have $94,370.70. Just for background, I went to a private Jesuit school in San Francisco, majoring in business marketing. And then I have three private loans equaling $52,940.44. With those private loans, they're through Sallie Mae, which is, you know, the devil sign line. For those Sallie Mae loans, those are my high interest loans. Loan rates are ranging from 8 to 13%. So those are huge priority. Then I have eight Mohella federal loans, like through Mohella, fast, subsidized, unsubsidized loans. And that equals $41,594.23. My Mohella federal loans are 2 to 7% interest, which is way better than the private loans. So basically, the number one thing I want to do this month is tackle my credit card debt. I want to have my credit card debt done and paid for. Hopefully by the end of this year or early next year, all extra payments are going towards towards my credit card. So in September, I want to pay $430. Then I'm going to get into Sallie Mae loans. I'm going to do it basically the avalanche method style, which is paying off your highest interest debt first. My Capital One is sitting at 28.99% interest. So we're gonna tackle her first. Then my Discover card is sitting at 23.49% interest. We're gonna tackle her. And then we are going one of three of my Sallie Mae loans. This is by far my highest student loan interest rate of 13.25% interest. The total is for this loan as of today, $15,539.57. Any payment that I made towards my credit cards once those are paid off, will go straight to the loan. So some things I've already done to make sure for September as the best as I can. I set up my auto pay for my minimum payments. I always do minimum stuff, but after the last couple months, so we just gotta put the minimum payment on auto pay on. So there's no risk of if you ever forget to pay on time. Yes, that is my debt payoff strategy for September. I only make $40,000 a year. So it isn't capped. So I could possibly be making more than that. They do work sales commission based job and I also do content creation. So most of my pay out throughout the months is coming through my salary based job. If you guys are going through the same thing and it's like, I know it's definitely such a stressful thing to even look at or go through, but I was up until like 2:00 AM this week, overly stressed, super anxious. My budget, make sure everything was together. Come with me on my debt payoff journey together!!!