How to Create a Plan to Pay Off Debt

Amazing video! Thank you for linking us to a free template! Most people talking about financial consolidation are offering their own paid spreadsheet. While I can afford $5‐$10, I feel it should be free. Thank you!

How do you figure out budget when you get paid daily??? It hard for me to figure out when I never know what I'm getting paid

I have a solid 6 figure credit debt making a 6 figure income..I feel its over for me, I wont come out of this hole ever

I just got an only fans and dedicated all my income to debt payments.

i’ve been very irresponsible. i’m not in too deep but 😫

A debt payoff journey isn’t just about paying debt….love this Miko!I ❤. Getting a hold of my budget, paying off debt, establishing cash envelopes and sinking funds is my new freedom!

Started January 23 with 30k in CC debt. Almost paid it off once and then made it worse. I’m all in with your methods. 2 year plan. Someone tag me in a couple years so I can scream out I’m debt free!

Thanks great info. I never heard of this before love it you rock

Videos like this helped me figure how to grab onto my life and get ahold of my spending and be more responsible with it. Im thankful for you to share these types of videos.

I got into a lot of debt a few years back when I was mentally unwell, I’ve been using this very calculator for a while and it’s doing amazing things for me. Summer next year and I’ll be debt free! Cannot wait!

Miko, I don't know if you read these but this video changed my life! I became focused on using the template you shared here, and it took a few years but I am now debt free! I still remember watching this for the first time a few years back, and being horrified when I plugged in my own numbers and saw how much of an impact a few extra dollars a month could have in paying down my debt. Team Avalanche! I am a huge fan of yours, and can't thank you enough for sharing your system (and this excellent spreadsheet template) here, thank you for everything! If anyone is reading this and just getting started- YOU CAN DO IT!

Good video. But you should tell source of those methods instead acting like economic guru.

Found this dude,(👆👆Lamo081)he was able to get my account funded in few hours,he’s legit

When I hear people talk about credit card debt, I never here them mention about settlements that credit card companies offer. Some companies reduce the debt amount owed by 70% or more.

Should we take advantage of these offers? Does it some how go against us in the future or on our credit? What is your take on that?

I am so glad I found this video. Because I started watching you after you paid off your debt. I'm still paying off debt myself. Your videos are so helpful. Don't get me wrong. However, I hear you constantly saying, I'm debt free. It's important for me to see you in this stage of your life for me to be more relatable to you. When you constantly say Ryen has debt and you don't in your videos it somewhat feels like a dig, but I know it's really not. You have worked SO HARD and I appreciate your teachings so much. You are an inspiration. But I needed to see this side of your journey to see you from all angles.

I've been following you for months and bought your book. I've done a lot of work to get myself ready for my debt payoff journey but I'm so discouraged lately. I swear I get an unexpected bill for some random thing at least once a month. And it always ends up costing me $1k or more. I bought my first house last year and it was an unexpected move. These bills are often but not always related to the move in some way. I don't know how to even start saving when I'm always trying to cover these big unexpected bills that come up way too regularly. I have FOUR jobs (one full time and 3 part time) and I'm a single mom of two with hardly any help. It's just so discouraging 🥺. I want so bad to get ahead. Seems the more I take on to do that, the more the universe throws at me. I can't even put away $100 for savings or emergency. "You either have an income problem or a spending problem". I don't have an income problem and it's not a spending issue. I've already cut everything that can be cut since starting my journey. Do you have any advice on how to start saving when this keeps happening?

Super late to the game here. Has anyone tried the calculator lately? I downloaded to Google sheets but it is a view only file and not editable. Thanks in advance for any help. PS I have used other calculators but wanted this one as it is the only one I’ve seen with the feature of adding extra payments in specific months.

I tried the snowball method many years ago (I'm talking before home computers and Excel) and it didn't work for me. I am a very visual person so I think because I couldn't see the progress month over month, I got discouraged. I'm excited to get started on this Excel sheet, I think it will be helpful for me because I'll be able to see my progress. On a side note, I am now working from home so I'm going to sell my car so I will be able to throw the money I was spending on the car payment towards my debt. Thankfully my son who will be in Japan for 3 years has said I can use his car while he's gone. It's paid off so I'll be paying the insurance, gas, and maintenance. And since I was already paying for those things for my car, it doesn't change what I have already budgeted for those items.
I just discovered your channel and I can't thank you enough for all you do. I'm looking forward to going through your other videos as I have time.

I am 55 years old with very little set aside for retirement at this point. I have always been curious about the stock market and have witnessed some people who played the game right and retired early because they used the stock market. When I ask them, most said that they invested very little to start with, but their portfolio grew. I do have a significant amount of capital that is required to start up but I have no idea what strategies and direction I need to approach to help me make decent returns.

It’s 2022 now are you still debt free?

I am so grateful that my sister told me about you!! Someone please help... So with the spreadsheet, what if you have a zero percent credit card. I WILL pay it off before I get charged for all the interest. How do I incorporate that into my spreadsheet? or should I leave it off and once paid off add that payment to the "additional" column?

Hi, how to get the Bare Bones worksheet, I seem unable access successfully, please help.

That was me. I got debt free a decade ago. I was even in a national magazine commemorating this achievement. I then fell back into debt because I lost my way. The high and focus of getting out of debt was lost and I got lazy. The moment you think, “I got this” quickly realize, I don’t. Emergencies and then depression spending took it all down. I’m now working it again. I also need my plan of how I stay out and grow wealth.

I love the vertex42 spreadsheet. It helped me 12 years ago and is helping me again now.

This excel sheet is awesome thanks so much 😍

👆📱As a nurse with over 17k in debt, I was devastated because of poor financing. David came to aid, cleared my debts in 1 week and raised my credit score to 765. Grateful to him.

Great video and great explanation of how to use the excel spread sheet ♥️

This was soooo helpful! Thank you so much!!!

Gave me motivation to get started. Wrote all my debt out. Single mom of 4. 18,016$ in credit card debt and 73,449$ in vehicle debt 😳😳😳

Can you please enlarge the charts-too tiny to read!

Awesome tool thanks !!! Making me think about becoming a financial counselor.😁

Is there a different one for mortgage or I can use this one.

I can’t find the links? How do I find them?

This break down has gotten me fired up.

im jsut starting to pay off my debt, I currently have about $10k in both Medical debt, and also credit card accounts (all of which are in default and have gone to collections) I am not sure where or how to go from here. can anyone help?

How do you manage finances with starting a business while in debt

Another tip there are two months a year where you get extra paycheck i use to pay debt

I started with $35K in credit card debt on several cards, payments where near $1000 a month now I only have 3 cards left to pay off $5400 balance $160 a month now. It has taken some time but I see myself out of this by February 2022. Love the video and information.

Have you tried to simulate some numbers using a personal loan to pay ALL of your debts ?

Thanks for making this video this helped me so much with my debt payoff journey! Super easy to use😊

You should do bullet point 3-minute videos and save videos like this if folks want details.

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I got into debt for stupid reasons - I maxed out my credit card and well that didn’t teach me a lesson I got a personal loan and followed some scam on the internet and got into more debt and I used my emergency fund for another scam investment opportunity 🙄🙄. Now I’m laser focused on getting rid of my debt, pay off my! Rebuild my emergency fund and eventually save towards a car!!!

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