200000/5000 This is a topic that many people are looking for. bluevelvetrestaurant.com is a channel providing useful information about learning, life, digital marketing and online courses …. it will help you have an overview and solid multi-faceted knowledge . Today, bluevelvetrestaurant.com would like to introduce to you From $200,000 to $5,000 in Debt November Budget Aja Dang. Following along are instructions in the video below:
“Everyone its asia dang thank you so much for joining me on my channel. I i have to say that this is hopefully if everything goes. According to plan which life and never does this will be the last budget video that i will be doing where i have debt that s right um. Let s see i kicked major booty today or this month.
Because or last month. Because a six this pieces of shit has finally paid me after two years so that really helped i got a lot of payments in so i was able to contribute a good chunk of my money and as i predicted in last month s budget video hopefully. I said hopefully by next month. I ll be close to ten thousand left in my student loans and now i can confidently say that now as of today we have about nine thousand dollars left in student loan debt.
It is my last debt ever. And yeah. I actually could be debt free right now because i have the money to do so if you check my budget. However because i got so much money in last month.
I wasn t sure when i was going to get paid next for this month. So instead of kind of just getting overly excited and throwing everything i have literally left at this debt. I m going to wait until i get another payment in just. So you know i have something in my bank.
Account and i have money for rent you know so that is obviously huge news while financially. It was a big month for me. Because i did get some payments that i ve been waiting on it was also financially unexpectedly stressful in different ways and if none of this happened this month. And i would confidently be able to pay off my loans.
But life doesn t happen that way does it so hi in the month of october. So i started i found a stray dog and if you follow me on instagram. You know that i always tend to find them and i looked for the owner. The dog was in microchipped.
I named him boomer he didn t have a tag he s potty trained so he was someone s but he was left in a place that tells me that he was left there intentionally so we gave it about three weeks last week. I neutered mmm excuse me last week. I neutered him i also got him up to date on all of his shots. He had fleas so we had to give him flea medication and all of that good stuff.
So we re trying to find a home for. Him however because of that i spent about 1000. On getting everything he needed and that s fine because you know that s what you do when you have money as you help those in need. And i wasn t going to just drop them off on at the shelter.
Where who knows how long he d live there. But he s been at a couple different foster s home for homes. We can t really have them in our place. Because brian is allergic to dogs that have fur whereas the boys they have hair so it s easier for him to handle.
But right now he s staying with my friend. Amanda s and we re actively searching for a new home for him. And yeah. It was actually quite interesting because i took him to two different vets.
The first one was initially just like in my neighborhood and i asked for a quote for neutering and they quoted me about 600 and then animal hope and wellness. Which is one of the rescues that i donate to on behalf of my adopt own shop. New merch. They recommended that i go to a animal hospital.
Called north figueroa north..
Figueroa animal hospital or something. And for neutering. They i paid them. One hundred and eighty dollars for neuter for two medications.
And he finished his round of shots. There one hundred and eighty dollars. So granted. I would never take my dogs there outside of just the simple like shots.
I would never go there if there was an emergency. But for there to be such odd like drastic difference that s like a five hundred dollar difference between neuterings was really interesting so i would like if anyone is a vet in watching this video. If someone could explain to us you know why the price differences. And what those costs mean to you because i m very we re well aware the doctor.
The vet at north fig was busy. I went in his bloomers checkup was probably about a minute long and we were in and out which personally i like because sometimes i spent hours out the vets and it s like just dude like just why are we taking so long. But you know there was not that one on one if you re looking for someone who gives you like that gold star customer service. When it necessarily recommend a place like that.
But if you are in a money crunch and just need shots medicines neutering space for your dog then or animal then i would recommend a place like that so if a vet is watching i could tell us why there was such a large difference in vet. Quotes. And prices would love to hear that so that happened and boomer is such a great dog like i would never regret spending that kind of money on a dog. Because the other option would just be him going to the local shelter where they euthanize so i m happy that we were able to get him into various foster situations.
If you follow me on instagram. You know that you ve seen boomer. He is such a great dog he s honestly better than my dogs he doesn t bark. He s very calm he s about like 2 years old so he has a long life to live.
So i m happy. That s something that i dedicated my october to something else i dedicated my october to is got into a little accident in brian s tesla. Which is not cheap to fix. And that was about five hundred dollars.
But fun fact it was actually more expensive. But because i offered to pay them in cash they knocked down the price by about five six hundred dollars. So that s a trick. But anyways.
There s that so that s about thirty five hundred dollars out the door immediately and if i had that money. I would definitely have be debt free right now but life happens you just need to go with the flow with it and honestly the fact that i can see the end. I could see like the finish line. I m okay with that i m okay waiting a couple more weeks to be debt free.
What else oh okay. So because i am so close to being debt free. The next step is putting together my emergency fund. Which is three to six months of expenses and for me.
I would prefer the five to six months of expenses. Just because freelance life you never know and while i was putting those numbers together. I realized that i was spending a lot of money on car insurance and apparently i put this question out on instagram people tend to spend between ninety and like two hundred dollars on health insurance depending on their coverage. I guess or i m sorry car insurance i pay it i pay my insurance twice a year i just prefer to do lump sums of money you know this if you follow me on if you ve been following my debt free journey it just makes me feel better.
I hate monthly payments..
I would rather just you know not see that money go out of my bank. Account. If i had the choice of paying it all at once and i never really did the breakdown of what it meant what i was paying monthly. But when i did that to figure out how much money i should say for my emergency fund and savings funds.
I was paying about two hundred and fifty dollars almost like three hundred dollars a month and obviously that s a lot of fucking money and it was a whole thing so i went on a search to find cheaper car insurance i paid up until february of next year. So i was kind of just getting ahead of it but it turns out that the reason why my car insurance is so expensive is because i have two tickets under my belt. Which i paid for clearly. I m not very good at adulting because i got myself in the student loan situation.
And there s a lot of other things that i ve learned financially about myself throughout this journey. But i thought that when you pay off a ticket. It kind of just like was expelled from your record. And if you have more than one ticket in three years then that makes you in california like not you don t get like the california s good driver discount for your insurance policy.
So i m no longer a good driver. I remember those tickets too when i was talking to allstate called me and they were actually very nice. I think the rate. They quoted me was like 180.
But then i told them i was like i m with mercury. They re charging me all this so much money and they re like that s so weird mercury mercury insurance is normally the best and she took the time to go through my record and stuff. And say listen this is why you re paying so much money you re gonna be paying this money. Until 2021.
Until one of the tickets falls off my record. Which is a long time from now. But i will be punished for that i just thought like if you pay it off it was gonna go away. But apparently if you go to traffic school then that s when it is expunged from your record.
I just don t understand for like old rich white men paying people off works all the time one was when my mom and i bought her new car. We drove from texas to california because she bought the car in ohio. And then we went down to for brian s family and christmas two years ago and daddy otte anyways texas is a very large state and it is a very boring state to drive through so i didn t even realize that i was speeding because it didn t seem like i was going that fast in the car. But apparently.
I was speeding and then instead of having to go back to texas to take to like to see the judge or anything i paid it off and at that point. I didn t have money that was when i was very very very very broke and i was scared to see what the ticket was so i just kept on pushing off pushing it off pushing it off pushing it off. And i didn t until the next year in june. And then the second one happened.
I think last year. Where i like honestly traffic in la sucks. What do you expect me to do wait 10 minutes to just make sure i stay in the line to go like to exit. No i went around a car.
I didn t see a cop behind me he was but he was behind me. And i went through a solid line to go around the car. And i got a taker for that so anyways moral of the story. I will be paying a very high premium for car insurance until two years from now which sucks.
But i was also thinking about upgrading my car since i do have my paid off fiat. So i was just playing around with finding different cars and stuff. But apparently if you get another car then on top of my poor driving record that will just increase my insurance. More so it gives me time to save up money to pay for a new car in cash.
While i keep my fiat until all these bad record driving incidents are off of my record..
And i can go back to a more reasonable car insurance speaking of insurance. This video is full of information. I got my new health insurance yay so i counselled or i know you guys said don t counsel you ll have health insurance. Until the another one comes in but i did not want to pay another 600 for health insurance for the last two months of the year.
So i m just going to cross my fingers and hope to god that nothing happens so pray for me people apparently i m a walking nightmare. But i got my new health insurance. I got it with kaiser through cal covered california. So they have their open enrollment.
It started this month. So if you re looking for new health insurance coverage for the year of 2020. Oh. My god we re in a new decade now go for it now i went with kaiser.
I think mine payment is 180 a month. I got the very lowest because i don t maybe just for a yearly checkup. I don t really need medications or i don t go into the office doctor s office that often maybe once a year. So i kept it very low and yeah i think it was the kaiser bronze health insurance.
So that s gonna start january 2020. And i m actually gonna call them and see if i could cuz online. They didn t give me the option of paying a lump sum. But i m gonna call them probably next soon next week and see if i did pay a lump sum for like half the year.
If there would be a discount on top of that okay also now that you know shits happening. I found even though brian pays our utility bills. I ve been actually opening them up when i get them are statements in my email address. Because they re sent to me even though he pays them what are your guys is water and power monthly payments for a two bedroom apartment.
Because ours is a lot of money and i know that we do have the ac running. I m trying to be an environmentalist. But i also don t want the dogs dying the heat and then we do run the laundry. A lot because obviously brian s a dancer so he goes through like two changes of clothes a day.
So can you guys tell me in the comments section for those of you that have a two bedroom apartment. How much your utilities bill is i think our bill is charged like every two months but like every month. Every two months. What you guys pay for that because i m pretty sure we re paying a lot of money so i m gonna call ladwp soon and just see if they can tell me the breakdown of why we re paying so much money and see if we can cut somehow i personally i grew up from hawaii.
So i never really used ac until i came to la because san francisco it s just when i was there was generally very cold. So you never needed it so i m a person that likes to open up windows and doors. But brian does not so maybe we can see some kind of middle ground to bring that cost down even though i m not the one paying for it i am still actually going to include that into my personal saving emergency fine justin case something happens between us or you know one of us doesn t have doesn t get paid because the freelance life. I want to be sure that i m able to fully support our entire family for five to six months.
So that is my goal for savings guys. I think that s it like i said. It was a very stressful emotional month for me financially. It s just everything happened for at once i got all this money and then i had to spend all this money on things i didn t account for and then it was a whole.
Thing with where i had 45000 taken out of my account and you re like. Asia. Wow you have 45000 in your account and the answer is no that is why it was an issue so i was dealing with that trying to get my money back from that and luckily as of today. I got the money back.
But it was very stressful like two weeks when that happened a lot of stuff has been happening..
But before the whole money withdrawal of all that money happened. I had actually taken out cash. I don t know why i thought about doing that but i just did anyways and it ended up being my life saver and honestly having i ve had a credit card for years. The first thing.
I did when i started my debt free journey was i paid it off it s the credit card. I got from like college you know which is like a long time ago don t say anything and i just never used it since. But i did take it out of my back in the back back back of my drawer. Just in case i needed something cuz i had no money in my i had a zero.
I had a negative amount of money in my checking checking account for quite a long time this month or last month. So i brought my credit card just in case some like something else happened and i didn t have enough cash for it. But i ended up not needing to use it so back in the back of my closet. It goes.
But honestly it was nice to know that i had a backup in form of a credit card. I m not endorsing a credit card. If you re not good with money don t get a fucking credit card. But it did it gave me a sense of ease to have it i m gonna end.
It here. I don t think i have anything else to say. But i don t want to jinx it because you know life. But the next time you see me talk about money hopefully.
It ll be me talking about how i m debt. Free your other homework for today is to tell me what once that does happen so december hopefully from now on what do you want my monthly money videos to look at because i don t want to do budget videos anymore i m tired of it it s exhausting. But i also understand the importance of you seeing me talk about money on a monthly basis also take into consideration that i m someone that just posts. What i m living so i can t talk about investing until i start investing.
I can t talk about buying a car with cash until. I actually buy a car with cash so just remember that that s the kind of person. I am. I only talk about experiences that i ve been through so i don t know with all that in mind.
What kind of money videos would you like to see from me once i am debt free. Which is hopefully by the end of november okay i m nisha ding. Thank you so much for watching their journey is almost over guys oh my god i cannot fucking believe it yes. Oh my god like i know i ve been very emo about this ho debt thing for the past two years and that s because debt is fucking stressful and you want to throw yourself off the side of a building every other fucking day.
But honestly for the first time this hat started in. October when i saw that payment get you close get to. 10000 then get to under 10000. I feel fucking great.
I honestly feel like i can conquer the world now. That s what being that s what getting your finances in order. And becoming debt free means to you it means. That you can start to feel like you can take over the world because nothing is no longer tying you down thank you guys i appreciate you guys so much my journey would be nothing if it was not for you and your support so i will ” .
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