How to Live a Debt Free Life + How to Get Extra Money for Expenses
debt free July 9th. 2021, 7:21am
I’ve lived a debt-free life my entire life, meaning I have NEVER owed anyone any money. I was setup for success in some ways by my parents, but I’ve also made a lot of smart financial and personal decisions to maintain this deft free lifestyle. There are definitely ways to stay on top of things when it comes to managing your money and staying clear of debt. So if you’re interested in how I’ve managed to live debt-free throughout several degrees and as a working professional, plus advice on how to make extra money for large expenses instead of accumulating credit card debt, watch this video!
Glasses: @utenzimiller
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July 9th, 2021 at 7:42 am
wow
July 9th, 2021 at 8:30 am
Do you mind sharing where you got your top/dress from? I love your style! ?
July 9th, 2021 at 9:00 am
Totally agree, I brought debt into our marriage but thankfully with hardwork from both hubby and I are debt free including students loans, car loans, credit card debt and except mortgage. We are working on that too. Thank you for sharing and I wished I knew all this before but I will say it never too late to make things right. Just work on pay off your debt, one debt at a time. Also we are using the Dave Ramsey baby steps. ❤️❤️
July 9th, 2021 at 9:29 am
Love your blogs! The glasses are distracting me LOL. I LOVE THEM! Who makes those?
July 9th, 2021 at 9:54 am
How were you able to engage in side hustles during your PhD in New York? I ask because I’m an international student in the US, but my F1 immigration status precludes me from being able to work outside of the university. Do you have any tips for students who graduate and attain OPT status? Thanks so much for your awesome content! ?
July 9th, 2021 at 10:41 am
I love this
July 9th, 2021 at 10:49 am
Hi Ijeoma ? What's the name of the site you said aspiring black female phd students should check out…lol you said it so quickly I didn't hear it clearly.
I'm hoping to commence my PhD in International health next year
July 9th, 2021 at 11:18 am
Your fro is gorgeous! Living debt-free is goal!
July 9th, 2021 at 11:58 am
Mind sharing where you bought your spectacles too ☺️
July 9th, 2021 at 12:42 pm
Thank you for sharing! I will look into Mint . I have been writing down my budget , but, it’s time upgrade.
July 9th, 2021 at 1:20 pm
Interest rates on mortgages in Kenya are insane. A rate of 14% is normal and actually on the lower end of the scale. If you take out a mortgage, the total interest alone over the payment period will be enough to buy a second house not too dissimilar from the one you took out a mortgage in the first place.
Consequently, most homes in Kenya (over 90%) are paid for in cash or through specific developer-based payment schemes.
How do people get the cash (yes, for even those gorgeous homes in Gigiri), from other sources of passive income e.g. pre-existing lower cost real estate purchased as investments and then rented out, money accumulated in investment accounts over a certain period of time etc.
July 9th, 2021 at 1:36 pm
I need to be more appreciative for living a debts free life since I live in Europe, am thankful , thank you so much for sharing this conversation ??
July 9th, 2021 at 2:33 pm
YOU ARE SO INSPIRING IJEOMA
July 9th, 2021 at 2:48 pm
Ijeoma this is one of the best vlogs you have done ???. Very very informative especially for the young. Keep inspiring!
July 9th, 2021 at 3:12 pm
Very informative. I have learnt a lot. Only caveat though is many of these tips sadly don’t apply in certain countries.
July 9th, 2021 at 3:52 pm
Congratulations Dr. Ijeoma Kola. On account of mortgage & debt, folk in the 254 might not understand debt and the whole owing dynamic!
With regards to contextual relevance, Kenyans operate on the premise of saving until they can afford whatever it is they you need and then they pay it off, so credit history and mortgage payments are foreign jargon to them. Folk pay their stuff off!
But I’m glad that you are sharing this for your diaspora audience who really need to understand the perils of the enticing and entrapping nature of debt.
Love you girl! And proud of you! Keep the good work. You rock!
July 9th, 2021 at 4:41 pm
Wonderful video!
July 9th, 2021 at 5:35 pm
Your hair is thriving
July 9th, 2021 at 6:15 pm
You would be such a great lecturer! Very concise and informative
July 9th, 2021 at 6:26 pm
This has to be one of my favorite videos. I love how the video was clear, concise, you were able to teach and be very authentic. Keep up the great work!