Archive for June, 2021

10 Frugal Living Tips To Become Debt Free (Financial Freedom)

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In this video, we reveal 10 Frugal Living Tips To Become Debt Free, and unique new ways for paying off debt to kik start your debt free journey. If you are looking to know how to get out of debt and and adopt a frugal living to pay off debt you’re in the right place. This in our opinion some of the best tips on how to pay off debt by saving money fast, and once you watch this video, you will see why.

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Frugal Facts is the channel giving you money saving tips; allowing you to live a more frugal lifestyle. If you have ever wondered how to be frugal, how to stop spending money, or just needed some frugal tips- this is the channel for you!
With every video we aim to provide you with ways to save money as well as saving money tips. We all want to save some extra cash, and feel like we need some frugal living tips, but often don’t know where to start. However, Frugal Facts is here to get you on the way to living frugal and enjoying your frugal lifestyle. If you need to know how to save money fast, or you want to achieve a frugal state of mind. Subscribe to us, and learn one video at a time how to live your frugal life.

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The 7 Levels of Financial Freedom | When Can I Retire?

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[The 7 Levels of Financial Freedom⛱ My Book: Retire Before Mom and Dad: https://amzn.to/2Mt2RBx Click “Show More” to see Ad Disclosure

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0:00 Financial Freedom
3:08 Financial Freedom Spreadsheet
5:51 Level 1
9:00 Level 2
13:18 Level 3
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14:58 Level 5
17:05 Level 6
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23:30 Tool Time–Networthify

In today’s episode, I’m going to walk you through the seven levels of financial freedom. When you think about a retirement goal, particularly if you’re in your 20s or 30s, it’s something that’s way out there, right. It’s something that’s decades away 40 or50 years, depending on your age, and it sometimes can be really hard to sacrifice today and to save for something that might happen, you know, four decades from now. But when you think about it in terms of financial freedom, I think there are two mental shifts that happen that are really important. The first is, you realize that there’s more value in money than just spending it. The second thing that changes is you’re no longer just focused on something 40 years from now. When you’re focused on financial freedom, you can begin to see the benefits of it almost immediately. You don’t have to wait 40 or 50 years to get some of the benefits of financial freedom. So I like to think of think of it in terms of financial freedom rather than retirement. Yes, retirements one of the goals, one of the things you can do with financial freedom. But it’s not the only thing. And in fact, I could retire now, but I’m not working. And right now I’m behind in front of the camera talking to you. But I still have great benefits from the financial freedom that we’ve achieved. Alright, enough chitchat, let’s get to the spreadsheet. And then after that Tool Time, where I’m going to show you, in this case, a financial freedom or early retirement calculator that I think is kind of neat. So let me show you my screen.

#financialfreedom #retirement #earlyretirement

ABOUT ME

While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I’m the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.

I’m also the author of Retire Before Mom and Dad–The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)

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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.

AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.
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The Debt Burden – how to create a sustainable debt management framework (29/03/21)

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The world is currently facing an unprecedented level of sovereign debt – and debt is continuing to pile up. The state of sovereign borrowing was critical prior to the pandemic, with several countries already facing limited fiscal space and increasing levels of debt, but the situation has deteriorated, tipping some economies over the edge.

In this seminar, we will present the preliminary conclusions of a paper on good practices in sovereign borrowing. The main topics covered will be:

the status and causes of the debt accumulation problem
the importance of debt management as a preventative measure
initiatives put in place to address the causes and consequences of the debt problem
how the lack of transparency has hindered accurate debt sustainability assessments and investment analyses
policy lessons critical to successful debt management.

Presentation of Research Paper:
“The Debt Burden: how to create a better debt management framework”
by Professor Rodrigo Olivares-Caminal (Centre for Commercial Law Studies, Queen Mary University of London) and Professor Paola Subacchi (Queen Mary Global Policy Institute, Queen Mary University of London).

Chair:
Karin Strohecker (Thomson Reuters)

Discussants:
Federico Bonaglia (Deputy Director, OECD Development Centre)
Yannis Manuelides (Partner, Allen & Overy)
Gelsomina Vigliotti (Director General for International Financial Relations, Italian Treasury)
Video Rating: / 5

Debt Management and Emergency Fund (2020)

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How To Budget, Save Money, & PAY OFF DEBT | Manage Your Money

Today we are talking about how to budget, how to manage your money, save money, great money habits and how to pay off debt. We chat about living your best life within your means, finding out what you’re spending your money on, how to make extra money, how to have great credit and how to organize your finances.

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Do Debt Consolidation Loan actually work | Pay Off Debt

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Now in this video im going to break down all the pros and cons and especially answer these questions that I know you’re having. Are debt Consolidation a good thing, or are they a bad thing.

Questions I’m going to answer
– Low Monthly Payment
– Low apr
– I only owe one person

Well I’ve gotten letters for Student loan refinancing, credit cards and even Auto loans ( I don’t even own a car)
However:
– I owe 12-13k in credit card debt and pay no interest, and I pay no interest
– I get offers every week to refinance and pay a low minimum payment, lower apr, and one person.
– Oh, don’t forget about the low rates offered of 4-12%, which sounds a lot better than 25-35 with a credit card.

Do Debt Consolidation Loan actually work | Pay Off Debt

Pros: according to the Companies ( Do Math) and Compared to a Credit Card
Low Monthly Payment
Story: Instead of paying only the minimum on credit cards and finishing in 5-13 years
– You refinance your loan and be done between 12-60 months ( which sounds a lot better than 13 years)
– You can also prepay the debt and be down sooner
Lower Apr
One Bill
Story: Stuck paying 6 credit cards and the balance seems like it doesn’t go down

Cons
Low Monthly Payments: Its longer and usually they’ll win more
Lower Apr: It’s lower, but it’s on a higher balance
One Bill: they make the profits and cut out the credit cards and hope you do it all over again

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You'll Never Have Debt Again After Watching This | How To Pay Off Debt Faster

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You'll Never Have Debt Again After Watching This | How To Pay Off Debt Faster

In this video, I share with you how you can avoid debt forever and pay off debt faster using the Debt Avalanche Method!

If you liked this video, you will also enjoy:
► How To Be Rich and Successful At A Young Age: https://www.youtube.com/watch?v=py0qufx9phk
► How To Make 0/Day With No Money: https://www.youtube.com/watch?v=Mdgt7yoCKeQ

Music Credit: Bensound – Dreams

If you have any amount of debt to pay off, you’re probably wondering what debt elimination strategy will get you back in the positive in the fastest time frame possible. In the United States, debt has been skyrocketing year after year with personal consumer debt surpassing trillion dollars in 2019 which means that Americans could be doing a much better job when it comes to paying down their debts. In this video, I am going to share with you one of the quickest methods of paying down your debt: The Debt Avalanche Method. And if you’re new to the channel, hit the subscribe button below for more informative content!

You’re probably asking yourself, what is the debt avalanche method? Do I need to be able to ski? Will it be cold? The Debt avalanche is a strategy of paying off what you owe by prioritizing loans and credit card balances with the highest interest rates. You see, while it sucks to have to look at a huge debt balance every time you check your bank balance, what’s worse is paying annoying interest charges. At least when you accumulated debt by buying goods and services you get value out of those things but interest charges are zero value-added expenses. Therefore, the goal of the debt avalanche is to minimize the amount of interest you pay, allowing you to put more money towards paying off the principle which in turn will allow you to be debt-free much sooner than if you were to use other strategies like the debt snowball.

Step #1: List out all of your debts
On a piece of paper or an excel spreadsheet, list out each one of your debts from the highest interest rate to the lowest. This could include anything from money you owe your brother, to credit card debt and even your car loan just to name a few. An important point to note is that you are arranging your debts from the ones with the highest interest rate and not the highest interest charge. While a large balance with a smaller interest rate may be costing you more money every month than the one with the highest interest rate, in principle, having the loan with the highest interest rate still outstanding is still the most costly.

Step #2: Make all your minimum payments
After you’ve listed out all of your debts from the highest to lowest interest rates it’s now time to write down each of their respective minimum payments. Every month, it is critical that you make the minimum payments on each one of your debts as missing payments will not only increase your debt but will also affect your credit score. In fact, being just 30 days late on a payment can reduce your credit score by up to 100 points making getting a future mortgage or even a job that much tougher. As a best practice, set up a reminder in your phone to make each one of your payments because often times life can get busy and having a reminder means one less you have to think about.

Step #3: Pay down extra on your highest rate debt
You’ve now set up your debt listing and have made all of your minimum payments, it’s now time to really get the debt avalanche rolling. In order to do this, what you’ll want to do is put any extra disposable income you have towards your highest interest debt. And if you’re thinking to yourself, I wish I had extra disposable income then it’s time to roll up your sleeves and get to work. Most people have more free time than they think and one of the best ways to use this time to make more money. This could be in the form of taking on more shifts at work or picking up side projects. No matter what this extra work looks like, the key is to funnel all that extra income towards your highest interest debt allowing you to pay it off as fast as possible.

Step #4: Keep the avalanche rolling
At this point, you are making solid progress at paying down your debts by prioritizing them and earning extra cash to put towards them. Within no time, you’ll be able to stroke off the first debt on your list allowing you to begin to focus your attention on the second one. In order to keep the avalanche rolling, you will need to do three things: continue to make the minimum payments on each debt, earn extra income and finally add all previous debts’ minimum payments to your new monthly debt contribution. So for instance, if the debt you just paid off had a 0 minimum payment, you will add that amount to the minimum payment contribution on your next highest debt creating an avalanche effect of a much greater payment. And this larger payment, when compounded with extra income you’re earning, will make your debt load evaporate in no time!
Video Rating: / 5

THE QUICKEST WAY TO ACHIEVE FINANCIAL FREEDOM | Gary Vee

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THE QUICKEST WAY TO ACHIEVE FINANCIAL FREEDOM | Gary Vee

Gary Vee lays out a very practical technique that will make you heaps of money and help you get out of debt quickly.

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Transcript:
Most people want to look the part
of an entrepreneur that came up with the next Supreme
or Adidas brand
or the next Uber or Facebook,
yet
are ,000 in debt,
work at a job that they hate
and literally
if they went to the five discount stores that dominate this market,
buy things on clearance and go home,
take a picture with their fucking phone
and upload to eBay
and then when people buy it,
go to the post office and shipt it,
they would be able to get out of debt and get into a financial place.
But people don’t wanna do that.

Look, the internet does create
the Ubers and the Snapchats and the Facebooks
and they create these trillionaires, fine.
What’s amazing about the internet
and where I really wanna get your head
is the long tail.
How many people here work somewhere
but really wanna have their own business or hustle?
Raise your hands.
A lot.
For me, the internet is for you.
For me, if I sat down with these two dudes,
black shirt and the white shirt right in this third row
and they both raised their hands,
for me, if I was sitting down with you for three hours,
it’s not about coming up with a business that’s gonna do 10 million bucks,
it’s about understanding how much money you make now, working a job,
what you spend your money on “to live”
and trying to figure out how quickly
you can get into a place where you don’t have to work in a job.
One more time,
how many hands
work somewhere but wanna do their own thing?
Raise your hands.
More than half this audience.
Meanwhile,
let me tell you why most of the hands that just went up will never get there.
They buy dumb shit.
Do you know how many people here
literally drive cars
to impress people that they fucking hate?
People literally going in debt
or getting further from leaving the job they don’t like,
to do something that makes them happy,
because they have to buy a certain car that has a logo
that impresses people that they fucking despise.
Do you understand how fucked up that is?
Do you know how many people here live in homes
where they don’t use more than half the rooms in the house?
Like we are so fundementally
in a vortex that makes no sense,
that I am unbelievably passionate at understanding how much money you make
and what you can do to get off of it,
but the problem is, again,
people are doing so many things to keep up with the Joneses,
to make it look like they’re successful,
to appease their parents
and a million other fucking things that have nothing to do with themselves.
And we need to change that fucking game.
The internet is a place where you can make ,000 a year
just talking about peanut butter.
This is important guys.
This is
super-duper important what I’m talking about.
The internet, unlike the real world,
is a place where the long tail gets rewarded.
The long tail.
The reason why I am on this
ridicilous to many people garage sale hustle thing
is because the quickest way,
by the way, cause I knew that I was gonna be here,
do you know how crazy it is,
especially in a market like this where eBay, because Amazon wasn’t here,
is even more mature and ahead,
do you understand how crazy it is
that if you went to the clearance isles of your five biggest retailers in Australia,
bought things on clearance,
went home, relisted it
and posted on eBay,
that the far majority of this audience can make between ,000-0,000 a year
just on doing that for nine to ten hours a day.
Meanwhile, everybody’s sitting here with “the next big app”
that’s gonna be the next fucking Uber for lawnmowers.
The thing that has made me successful far more than my passion
or my energy
is my disproportionate practicality.
Most people want to look the part
of an entrepreneur that came up with the next Supreme
or Adidas brand
or the next Uber or Facebook,
yet
are ,000 in debt,
work at a job that they hate
and literally
if they went to the five discount stores that dominate this market,
buy things on clearance and go home,
take a picture with their fucking phone
and upload to eBay
and then when people buy it,
go to the post office and shipt it,
they would be able to get out of debt and get into a financial place.
But people don’t wanna do that.
Cause they don’t wanna be judged
for that being their hustle.

Building a new generation of financial freedom seekers | Frances Cook | TEDxUOA

Financial independence is something we all strive to accomplish, regardless of our age or background. Especially in a world that’s constantly changing and evolving, there’s no better feeling than the idea of financial security for your family and your future. Frances Cook, author, journalist, and podcaster, is here today to show you exactly how you can achieve that future. As a journalist, podcaster, and self-proclaimed financial mess, Frances has made it her mission in life to meet people where they are and educate the public on the importance of financial independence and how everyday people can achieve it in their own lives. Having worked for RadioLIVE, Newstalk ZB, and the New Zealand Herald, Frances is also an accomplished author and currently MC’s the popular podcast ‘Cooking the Books’. This talk was given at a TEDx event using the TED conference format but independently organized by a local community. Learn more at https://www.ted.com/tedx
Video Rating: / 5

DEBT FREE JOURNEY 2021: 5 TIPS FOR PAYING OFF DEBT FAST

debt free 20 Comments »

Hey guys! In today’s video I am sharing with you 5 easy tips for getting started paying off debt fast. Now that my husband and I are debt free…we are so thankful that we stuck it out and lived frugally for the past 5 years to pay off our debt. I hope that you can learn from our mistakes and tips and apply them in your life.

I FORGOT TO MENTION THERE IS A COACHING ASPECT TO MY PROGRAM! 3 MONTHS OF COACHING, DAILY ACCOUNTABILITY GROUP, AND WEEKLY FACE TO FACE CALLS WITH ME TO PUT TOGETHER YOUR PERSONALIZED BUDGET AND STRATEGY TO HIT YOUR GOALS!

USE THE COUPON “THANKS” AT CHECKOUT TO RECEIVE 0 OFF OF THE COURSE!
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ABOUT ME: Hi everyone! My name is Abby and I am a working mom living in Texas with my husband, Trey. We have three kids named Truett, Vera and Sybil. We live a very hectic and busy life trying to balance kids, family time, housework, and working full-time. I thrive on DIY projects, saving money, and anything homemade. My hope is to share with you an honest glimpse of our life. Thank you for taking the time to watch. 🙂 Leave me a comment and share! xoxo
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Financial Freedom

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Financial Freedom · Larry June

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How Does A Debt Management Program Work | Debt.com

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For more information regarding this video, check out this link: https://www.debt.com/credit-card-debt/management-program/

How does a debt management program work?

With a debt management program, credit counselors negotiate with your creditors to accept a new payment plan and lower interest rates. Interests range from zero percent up to about eleven percent depending on the creditor.

All of the debts are consolidated into one monthly payment that works with your budget.

The large reduction in interest enables you to pay off the debt faster and more money each month goes towards principal. Most people complete the debt management program in about three to five years.

Enrolling in the program usually doesn’t have any negative impact on your credit score as long as you keep up with the payments. In fact, many people with low credit scores at the start of the program usually see their credit improve by completion. Since your creditors agree to the payment plan, it helps you build a positive credit history as you pay off your debt.

The best way to find out if this solution will work for you is to speak with a certified credit counselor who will evaluate your finances. If a debt management program is your best option, they can help you enroll. Otherwise, they’ll let you know which solution you should pursue.

If you enroll in a debt management program, the credit card accounts you include will be frozen and you will not be able to use those cards. In many cases, you can also include medical debt and payday loans.

Debt management plans are a great way to help your family get out of debt and continue to reach your financial goals.

To get started, simply fill out our form or better yet, call us now, and we’ll match you with the best solution for your situation, for free. We are A- plus rated by the better business bureau and have helped thousands of people become financially stable.

So, don’t struggle any longer, give us a call. When life happens, we’re here for you.

With a debt management program, credit counselors negotiate with your creditors to accept a new payment plan and lower interest rates. Interests range from zero percent up to about eleven percent depending on the creditor.

All of the debts are consolidated into one monthly payment that works with your budget.

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Deciding between a balance transfer credit card and a debt consolidation loan depends on the terms you get, the repayment plan, and your comfort with risk. A balance transfer credit card is a great option if you can get a 0% introductory APR, AND you can pay off the balance before the period expires. A debt consolidation loan might be better if you need a more extended period to pay off the debt.

So, when thinking about debt consolidation, you need to think about these things:

1. Are you just kicking debt down the road? Meaning ae you paying off debt by taking out more debt? You have to lower your spending and be committed to not accruing more debt as you work on paying off
your debt.

2. If you have a low credit score, you probably won't be able to get a lower interest rate on the balance transfer or debt consolidation loan. So, first focus on making on-time payments, paying off debt, and increasing your credit score.

3. make sure you have a budget and have found a way for that budget to work successfully in your life.

Now, of course, I always recommend paying off your debt by buckling down, controlling your spending, and learning about why you are debt in the first place. Addressing and understanding why you go into
debt is critical if you want to make changes to stay out of debt in the future.

That said, when you are facing financial hardship, sometimes debt consolidation can help when you have high-interest debt that is not manageable.

CHAPTERS
Intro: 00:00
What is debt consolidation: 00:54
The benefits: 01:45
How to consolidate your debt: 03:23
Things to consider: 09:55

➡️ SHOULD YOU CONSOLIDATE YOUR DEBT: https://bit.ly/3e69JAv
➡️ SHOULD YOU CONSOLIDATE STUDENT LOANS: https://bit.ly/3oy9xPw
➡️ FINDING YOUR WHY: https://bit.ly/3aJUryj
➡️ THE BUDGET MOM’S FINANCIAL FREEDOM STEPS: https://bit.ly/3cfJXsp
➡️ HOW TO GET STARTED WITH THE CASH ENVELOPE METHOD: https://bit.ly/2vQJaO5
➡️ HOW TO CREATE A PLAN OF ATTACK TO PAY OFF DEBT: https://bit.ly/2wDETxF

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