100 comments on “How I Paid Off $10,000 of Credit Card Debt in 6 Months”

  1. tiffanyferg says:

    SO EXCITED!!!! Finally made some serious progress πŸ’˜πŸ’˜ hope this video is interesting or helpful!! TIME STAMPS BELOW:
    0:00 – intro
    2:01 – how I got into 10k of credit card debt
    5:30 – get serious and commit to a debt payoff plan
    6:30 – balance transfers
    7:23 – track your income and expenses & create a budget
    7:59 – pay more than minimum payments (debt snowball vs debt avalanche)
    9:04 – find extra money to use toward debt (cut your spending and/or make more money!)
    11:18 – I have definitely increased my income (+ my estimated total income for 2019)
    12:50 – what percentage of my income goes toward debt?
    14:35 – how much did I pay each month?
    16:40 – my debt payoff hype song lmfao
    17:36 – how do you resist lifestyle inflation / spending more as you earn more?
    18:43 – how do you stay motivated during debt payoff?
    19:57 – what was the most helpful way to think about the process of paying off debt?
    20:33 – are you saving while paying off debt?
    21:13 – what’s next? Pay off my student loans! + my current total loan balance
    22:49 – how has your credit score changed?
    23:24 – did you still use credit cards while paying them down?
    24:46 – what do you recommend for young people regarding credit cards and student loans?

  2. HEIzE Is LIfE says:


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  19. S M says:

    Congratulations πŸ₯³πŸ₯³πŸ₯³

  20. meladversity says:

    where do you live that you have 1800$ fixed spendings every month? i'm from central europe and here if you earn 1800€ after taxes that'd be actually quite a lot for someone your age and you could live nice and maybe even save a bit. is it the rent?

  21. Kerrie says:

    Isn't it weird how $5,000 sounds like so much money until you say for the whole year! To be honest I've never had a credit card or borrowed money for anything other than my student loan because when I was a kid my mum got into masses of debt going on a holiday we couldn't afford. We then had to live in this really dodgy place that called itself a hotel but really wasn't for over a year. It was terrifying and I couldn't go to school or anything, because we didn't have a permeant address, so I got really sick as a result. I find the whole thing truly terrifying!!

  22. K J says:

    I'm 19 and starting a new job on Monday after having basically no income for months :') I'm nervous about literally everything

  23. Elise says:

    Love how realistic and sincere you are πŸ™‚

  24. francesco says:

    What is that dance move??? I LOVED it! 🀣🀣🀣🀣

  25. boiwhybother says:

    I got to get rid if 500 … sooo it may take a while, so I'm super surprised and stoked you payed back so much! I've set up a payment plan, they said I can pay more when I have some extra money.

  26. J J says:

    Making $400 a week extra isn’t hard. That’s all it takes to pay $10k in 6 months. Side hustles and part time jobs cover that very easily.

  27. Shelby Dubree says:

    wow love this, giving me hope for my debt!!!!

  28. Hot Shoes says:

    Great video!

  29. Simple Happy Zen says:

    I've been enjoying your videos for a while and I'm so happy for you that you've been able to pay off your CC debt, also that your channel has been doing so well. Definitely much deserved πŸ™‚ I'm sure you'll hit the 300K mark soon!

  30. eunice isawkward says:

    tiffany: doing math i hope this is making sense
    me: it isn't but go on

  31. Olivia Taylor says:

    I love your content lately. Been following since probably 2015 and I’m so glad you’re finally getting the recognition you deserve.

  32. Twooping says:

    I think that's the most important thing: constantly reminding yourself of it. Obviously not in a negative way ie "I'm never gonna be able to pay this off". Instead, just holding yourself accountable. Do you really need another pair of shoes? No? Well than put that money aside and save. What I like to do, whenever I get the urge to order something online: wait a day of two after discovering said item and think about whether I really need/want it or if I just wanted so spend some money. Overall, this video was very motivating πŸ˜€

  33. Suspiros da Bea says:

    helping the girl <3 <3 <3

  34. Xerxes Break says:

    New at budgeting, don't have debt but thank you for this video

  35. Lee Molloy says:

    I honestly can’t wait to be done with beauty school and licensed so I can start paying down my debt. Right now I use the tips I get to just pay the minimum balances

  36. Aliyah J. says:

    Every time you said credit card debt, I kept thinking of that stupid song from Family Guy where Peter and Quagmire were singing "credit card debt! credit card debt! credit card debt!"

  37. Samira Dahir says:

    love it when people don't think of money as a taboo subject! financial literacy IS SO IMPORTANT among everyday individuals, im glad you've opened up about your tips/tricks/income!

  38. Paul Walter says:

    Algorithm gang

  39. Hope Davis says:

    I really love this talking openly about money content

  40. Queer Trash says:

    Check out Gaby Dunn's Bad With Money podcast, the first season is great for personal finance and candid money chats, but the other seasons move more towards systemic money issues and inequalities. I think you'd love it! Thanks for sharing by the way πŸ™‚

  41. Keely Westveld says:

    Loved it πŸ₯°

  42. F S says:

    liking and commenting so the algorithm will bless you. love your videos.πŸ’›

  43. SquishiSquishi says:

    insert comment so she can make her mOnEy

  44. Kaurra K says:

    "I should never dance again"
    Nah, you should dance every video

  45. Isabella Smith says:

    well done!!

  46. carlieaday says:

    20% interest, ouch ://// congrats girl :,)

  47. Rachel B says:

    I wish more people talked openly about credit card debt. I cried one day when I realized how much debt I had racked up. Overall it was about $3000. But I found out the national average for the US is currently 5K-9K and many of my friends just put their abroad vacations on their credit card and deal with it later (I know they must because they make about as much as I do if not less lol)

  48. Cat Cela Ojo says:

    Pardon me while I go pay some towards my credit card πŸ’Έ

  49. chris b. says:

    thank you for this!

  50. Cami Squires says:

    would love a student loan vid!

  51. Ashley Rustad says:

    I love The Financial Diet!

  52. Malena Oliveira says:

    Go get that coin Tiffany!!

  53. Kelissa says:

    I started this journey myself recently as I had to lend money to save some family members. Also I used to have 26k in student debt years ago. I paid it off pretty quickly and after that the government here decided to forgive a certain amount of student loans. I was so mad lol That is what I get for being responsible!

  54. Martha Nduwayo says:

    It's so funny because I feel like were twins!! πŸ‘­ Im 24, have about 30k in loans (2.5 in cc and about 16k in student loans) and I'm gonna go into the same paying off journey really soon, Now that I have a real adult full time job 😊 thank you for the tips!!!

    Great videos as always🧑🧑

    #Go algorithm!

  55. Angela Kelley says:

    helping the algorithm!

  56. Claudia Jade says:

    Congratulations! I think it's really great that u have been so honest and upfront about this. I consider myself so incredibly lucky and privileged that I have never had to go into formal/credit card debt, the time that I was unable to pay rent my friend/roomates parents were able to cover it for me for a couple months and then I just repaid them. Have also benefited from being sold my partner's parents old cars at super discount prices. Debt tbh terrifies me and I check my bank account like every couple of days and really try to keen on top of things. (Ps I should mention that I big part of that privilege is being Australian where our unis are heaps cheaper and the Gov offers interest free loans)

  57. Alice Parry says:

    david ramsay is also fairly religious which doesn't suit some people

  58. Claudia Jade says:

    Second comment, but this concept of 'aging ur credit' kinda confuses me. I've never had a credit card (am 28) and neither has a lot of ppl I know. I know am very very lucky to not have needed it, but I've never heard this idea that one Should have a credit card for the benefits/credit accumulation?

  59. Ollivia g says:

    You pushed me to finally make a big payment towards my student debt I've been putting it off for years thankyouu

  60. Hanna L says:

    commenting for the algorithm, get that coin sis

  61. Delanie Garcia says:

    If you're not reading Refinery29's Money Diaries series, you must!! It sounds like content you'd be into, and they upload every day. It's a "week in my life" post with a breakdown of all of the person's financial information, where they live, etc etc. It's quite a community and really fun to read every day!!

  62. TheNovelNovelist says:

    LOL, you added about $1,400 to your credit card debit in "time traveling"?! Girl, you got a DEAL! πŸ˜›

  63. Sage Toomre says:

    seems like no one else is saying it so i will. at 5:17, she calculated incorrectly percentage by dividing 20000/1587 when percent should be the reciprocal

  64. Margot Lopez Rivera says:

    Dear algorithm bless Tiffany.

  65. Cynthia Smith says:

    Wow, just paid off my debt over $10,000, for more inquiries contact Mr Ben on 9138023160, you can call or text

  66. Diane Magnolia says:

    I have the same amount in cc debt I've been feeling so down and anxious about, thank you so much for this

  67. Elhanna says:

    algorithm buff πŸ’•

  68. chickensoupfordinner says:

    The biggest payments towards debt I made were after I had done a lot of travel for work and had a chunk of overtime and per diem money.

  69. Jean Colley says:

    Bless for the algorithm

  70. Miranda Ariel says:

    can you make a video about how much you actually make from youtube, since this is your full time job.

  71. Maywither Dragon says:

    Do a little dance, make a little coin, throw it to the banks, then dance again! πŸ€‘

  72. Nahui Gonzalez says:

    Would love a video on student loans

  73. Sarah Meg says:

    I love to watch your videos when I have the time, but after watching this one, I'm watching every single video and every single ad πŸ˜€ You're a year younger than me and so focused and commited to your finance plan that it's truly inspiring. I wish you a lot of growth on youtube so you can earn the money to pay off the rest of your debt as fast as you can. I remember that you didn't have it easy with your family (finance-wise) so I'm really happy to see how well you're doing and I hope things will get even better and better from here on πŸ™‚

  74. Hey Lauryn says:

    Im still have student loan debt but I contributes tiny bit to a Roth IRA just due to how effective compound interest can be.
    I would suggest taking your tax refund if you get it this coming year and put it in an Roth IRA. And if you don't want to, you don't have to add anything else to it for the rest of year and jut focus on your student loans and just let that money chill and grow for you in the meantime.

    And congrats on getting your credit cards paid off. Great job. Oh and watch all those financial people to and you should definitely check out Graham Stephen since you like those other creators.

  75. CourtRein says:

    I love The Financial Diet because Chelsea seems so relatable! But Graham Stephan is the best! EDIT: As Graham would say… START THE ROTH IRA ASAP!! Even $50/monthly is better than nothing!

  76. Megan says:

    love you tiff!!

  77. Jen Ford says:


  78. Lindsey Buckmore says:

    I’m thankful I don’t have credit card debt, but I do have an unbelievable amount of student loans and a car loan. I’ve been trying the snowball debt method but I had to pause this summer because I was in a car accident and injured myself and had too many emergency expenses. I know I have some loans where I’m strictly paying interest because Sallie Mae is honestly a scam so I would hate to do the math you did to see how much I’m wasting on interest haha

  79. Elise Weimholt says:

    thank you for being an independent creator I APPRECIATE YOU

  80. jnlllvnd says:

    You guys, there HAS to be a way to pay for medical procedures and NOT put on a credit card.
    It’s ALWAYS worth asking if they offer a payment plan. Always.

    When I had a baby ($8,000 USDβ€”ridiculous cost but that’s beside the point) I applied to the hospital for financial aid and/or payment plan and they gave me a 0% interest monthly payment plan.

    Best case scenario, have a medical savings account.

  81. Kelley Reeves says:

    This gives me hope! I hope to hear more stories like this in the future



    Have you heard about this so called hacker CALVIN ON gmail ( [email protected]) NO UPFRONT FEE. he’s real and legit… I’m glad to say this because he helped changed my life round tho He helped me hack $25000 in to my bank account and help hack $17000 into my sister credit card. Now am able to pay off all my debit

    He is the best and the most reliable hacker i have ever met . He is a trustworthy and a professional hacker




    Have you heard about this so called hacker CALVIN ON gmail ( [email protected]) NO UPFRONT FEE. he’s real and legit… I’m glad to say this because he helped changed my life round tho He helped me hack $25000 in to my bank account and help hack $17000 into my sister credit card. Now am able to pay off all my debit

    He is the best and the most reliable hacker i have ever met . He is a trustworthy and a professional hacker


  84. Megan S. says:

    I would love if you did monthly check ins while paying off student loans!

  85. katarinaax says:

    very interesting!

  86. Syrielle Clement says:

    this channel is so important

  87. Nikol Geier says:

    I actually really enjoy budgeting. I'm also that girl who draws her own customized weekly planners.

    Broke: Learn to budget what little you make to slowly pay off your debts.
    Woke: Vote for Bernie so he'll cancel your student debt and break up the predatory lending companies.
    Bespoke: Use the money you saved to organize a funeral service for the word "woke", a word originally specifically about race that now apparently just means "generically left of the American center".

  88. Zuzana Naprstkova says:

    I'm very happy for you! I really want you to pay off the remaining debt, so from now I won't skip ads on your videos etc!
    This video was useful even for me who is fortunate to not be in debt, so thank you.
    Oh and please dance again!

  89. Ashlei Jones says:

    You go girl πŸ‘πŸΌ

  90. Ione Shakur says:

    yaaaaay. i was just watching your old debt video a few weeks ago. congrats!

  91. Monica Garafano says:

    love this! thanks! also @youtube show tiffany's vids to people thanksssss

  92. noah turner says:

    Yess so proud of you ❀️ keep up the great videos

  93. Aubri Bennetts says:

    I appreciate your videos and hope I can be a little bit like you when I’m older ❀️

  94. Lara Breanne says:

    At this point I can't remember how I found the YouTubers I watch… I think Sustainably Vegan recommended you and then you recommended Aja Dang and then…. it just goes on and on

  95. Vivian says:

    put the ads in hunty

  96. Blanca's Life says:

    Currently on the same road of paying off credit card debit, student and car loan. Overall I owe about 32 grand across all of these things, but the credit cards are seriously killing me. Now its going to be even tougher to pay them off cause I'll be moving soon with no job (military spouse here who is currently employed in NY) and its scary to go somewhere else without a job and all of this debt ….but I'm determined to pay them off!

  97. George George says:


  98. Natalie Bothwell says:


  99. bambooozledAF says:

    Plz do not look into my budget… I do not want you to cry

  100. Flan Cton says:

    Good for u!! U derserve all the best

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