1975 followers

Follow

Follow

Follow

1/4

5 saved

24

12

I RAISED MY CREDIT BY 35 PTS!! #DEBTFREEGOAL 💰

It feels really good to be on the road to exceptional credit!

The credit tiers:

Exceptional

Excellent

Fair

Good

Poor

Happy to share that I paid off my credit cards (2/2), so now I’m moving forward to the next financial obligation on my list.

I have a few debt items I’d like to pay off before tackling on my student loans, and I’m confident I’ll be able to manage achieving this by the beginning of 2025.

Total debt remaining before student loans -

Old: $7,700

New: $5,100

#financialplanning #financesdoneright #financialjourney #debtfreejourney #debtfreecommunity #goals2024 #creditscoresuccess #creditscoresolutions

2024/6/18 Edited to

Achieving a higher credit score opens doors to better financial opportunities. As I progress towards exceptional credit, it’s essential to understand credit tiers: Exceptional, Excellent, Good, Fair, and Poor. Each category has specific implications for loan approvals and interest rates. Paying off $2,600 in credit card debt has had a significant impact on my overall credit health, and I’m determined to clear additional debts. With my current progress, my total debt before tackling student loans has decreased from $7,700 to $5,100. Maintaining a good credit utilization ratio is vital, as it accounts for 30% of your credit score. For those on a similar path, consider strategies such as budgeting effectively, making timely payments, and reviewing credit reports for inaccuracies. Additionally, staying engaged in the #debtfreecommunity has motivated me to remain accountable. As I set my eyes on goals for 2024, understanding how to improve credit scores is essential for financial independence. Together, we can embrace #creditscoresuccess and pursue our dreams of financial freedom!

12 comments

period!! You’re amazing, i’m on a similar journey and i can’t wait to see those points go up as well🙂‍↔️🤩 Keep it up !

See more(1)

Related posts

This image introduces how to pay off $5,000 in credit card debt using the Avalanche Method, featuring a hand holding three credit cards: Quicksilver, Sapphire Preferred, and Discover it.

This image highlights the Avalanche Method as a strategic way to save time and money on credit card interest, with a hand holding a Discover it credit card.

This image outlines Step 1 of the Avalanche Method, instructing to list credit card debts with their amounts and interest rates, showing a hand holding a credit card.

How I paid off $5,000 credit card debt!

Drowning in credit card debt? I’ve been there—it feels impossible, but trust me, it’s not. Using the Avalanche Method, I took control of my finances and saved myself so much money on interest. 💸 Here’s the deal: It’s not about paying everything all at once (who has the funds for that?), but abou

4484 likes

How to Pay off Debt Quickly

1. Face Your Numbers Head-On List out all your debts, including balances, interest rates, and minimum payments. Understanding the full picture is the first step to creating a game plan. Pro Tip: Use a debt tracker or spreadsheet to keep it organized. 2. Choose a Debt Payoff Strategy Debt Snowb

1445 likes

How im paying off my debt 💕

This planner made setting up my plan so easy. I know that I can stick to it just off how simple this planner is 🩷 This is your sign to start your budget journey to reach your goals ! #budgetplaner #planninggirl #budgetingasastudent #budgetingforbeginners #jaliyahkreationz #moneyma

1504 likes

A visual showing excellent credit scores of 790 for both Transunion and Equifax, with increases of 22 and 4 points respectively. The image is titled 'HOW TO RAISE YOUR CREDIT SCORE! FAST!!!' and is set against a lush green leaf background.

How to Raise your Credit Score!

🍃Keep Old Accounts Open🍃The length of your credit can help you. The longer you’ve have a card open, the better 🍃Try not to keep large balances on credit cards🍃 Any balance under 80% with credit cards is ideal to improving credit score 🍃Pay more on minimum🍃 If the minimum monthly payment is

1028 likes

Paying off $10,000 worth of credit card debt 💖

The easiest way to pay off your debt while still building a savings! Create a budget ! Take the money leftover and pay off your debt one by one. My favorite method to actually get your debt paid off ! Follow for more budgeting tips ✨ #budgetforbeginners - #jaliyahkreationz #payingoff

1290 likes

Cancel Debt Yourself

@Welcome Baddies Opting to send letters to creditor collections for dispute is crucial in safeguarding your financial standing. Crafting a well-articulated letter provides an opportunity to challenge inaccuracies, request validation of the debt, and possibly negotiate a favorable resoluti

6800 likes

Struggling with credit card debt? 💳

Try these two proven methods to get back on track! ✨ Snowball Method: Start by paying off your smallest balance first and work towards higher balances. 🔥 Avalanche Method: Attack the highest interest rate debt first and save more money in the long run. Both can work – it just depends on wh

1051 likes

6 ways to pay off debt efficiently

Paying off debt efficiently requires a strategic approach and commitment. Here are some steps to help you tackle your debt effectively: 1. Assess your debt: Start by making a list of all your debts, including the outstanding balance, interest rates, and minimum monthly payments. This will gi

198 likes

An overhead flat lay shows US dollar bills, a calculator, a spiral notebook, and a silver pen on a white surface. Overlay text reads "How I became debt free What apps helped me @brighterlife" with sparkling accents.

How I became debt free & boosted my credit 📲

⚠️⚠️NO GATEKEEPING⚠️⚠️ For starters it’s all easier than it seems when you have the right tools. I did not start working on my credit until I understood what credit was which was at 22 years old… I’m now 25 and here’s some things I’ve learned to help me on the way. (Now not recommended to wa

331 likes

A desk setup with a computer displaying a heart, a lamp, and office supplies. The text overlay reads: 'How I Cleared $5,500 in Credit Card Debt with This Strategy Swipe !!'

Hands holding cash and a flat lay of a credit card, calculator, alarm clock, and a sticky note saying 'Debt Free'. The text describes 'STEP 1: STOP ADDING TO YOUR DEBT'.

A table detailing various debts including credit cards, car loan, student loan, and mortgage with amounts and interest rates. The text describes 'STEP 2: TACKLE HIGH-INTEREST DEBT'.

How I paid off $5,000 credit card debt!

Here’s how I paid off $5,500 in credit card debt: I stopped adding to my balance, tackled high-interest debt first, and found extra cash wherever I could. It wasn’t easy, but small steps made a big impact. Swipe to see how you can use this strategy to pay off debt faster! 🌟 #lemon8partner #mon

289 likes

A person holds a smartphone displaying app icons for debt payoff and budgeting. The image features the title 'Best Apps Debt Payoff & Budgeting' in stylized fonts, with a teal dollar sign icon and a green money stack icon.

Screenshots from the 'Debt Free box' app show detailed debt tracking. One screen displays a mortgage payment schedule with principal and interest, while another lists multiple debts like credit cards, mortgage, and car loans with their balances and payoff dates.

Screenshots from the 'EveryDollar Budgeting App' illustrate monthly budgeting. One screen shows a spending schedule with income and expenses, while another details planned income, risk of overspending, and categorized planned expenses for food and bills.

Best Apps: Debt Payoff and Budgeting

The best way to stay motivated and make progress in anything is to track it. Tracking your debt payments is a great way to stay motivated and see your progress over time. To also find extra money to put towards debt is great to use a budgeting app to budget for the month. This will help give ev

916 likes

An image showcasing five finance apps: DebtPayoffPlan..., GoWish, Carvana, Loot, and EveryDollar. The text highlights these apps help save money and tackle credit card debt, with decorative dollar bags and phone icons.

This image details the DebtPayoffPlan... app, explaining it tracks debt, calculates minimum interest payments, and provides a payoff timeline. It suggests choosing methods like snowball or avalanche and entering loan details.

The image focuses on the Loot app, describing its 'Savings Jar' feature. Users can customize weekly or bi-weekly savings amounts, and the app calculates the time needed to reach their savings goal.

FREE APPS THAT HELP SAVE AND PAYOFF DEBT!💸💸💸

All apps are free they do have in app purchases you can use if you want but I don’t pay for anything on them. The main app I would download is debt payoff planner I’m still surprised that app is still free for how good it is! #Lemon8 #lemon8challenge #lemon8creator #lemon8community #debtf

322 likes

Part 1 - get CC debt free!

Although credit cards are a great tool for building credit (which comes in handy if you need to take out an auto or home loan in the future), if they aren't used responsibly, it might be hard to get out of debt! Follow along for my series on how to understand and get out of Credit Card debt!

174 likes

A car's dashboard with a digital display showing music and a clock. Text describes starting to build credit at 18, achieving an 800+ score by 20, financing a car, and managing multiple cards, thinking it was all figured out.

A vibrant field of purple flowers with green foliage. Overlaid text states, "I was great at using credit... terrible at saving," and emphasizes that good credit means nothing without a cash cushion.

The 800 credit score I lost and what it taught me🍋

I used to think having an 800 credit score meant I was financially stable. Turns out, it just meant I was really good at paying on time. What I didn’t realize was that good credit doesn’t protect you from financial stress: savings do. And when 2019 hit, I learned that lesson the hard way. I

33 likes

40,000 worth of credit card debt paid off

Here is the plan my client followed to pay off 40k worth of debt in less than a year ! It’s not impossible with the right tools and guidance. I have been with her every step of the way and I will be with you too ! Book budget coaching in my bio ! Let’s get your debt paid off 💖 #debttracking

71 likes

The image shows a person sitting on an ottoman, with text overlay "FINANCIAL FREEDOM GENIUS" and "5 THINGS YOU NEED TO DO TO BE CREDIT CARD DEBT FREE," prompting users to swipe to learn.

The image displays "01 FACE THE NUMBERS HEAD ON" with bullet points explaining why it matters and how to list all credit card balances, interest rates, and minimum payments.

The image displays "02 STOP USING THE CARDS (FOR NOW)" with bullet points explaining why it matters and how to make cards inaccessible to avoid adding to debt.

5 Steps to become credit card debt free‼️

Are you Ready to break free from credit card debt? Follow these 5 simple steps to take control of your finances and ditch debt for good! Need help staying on track? Book an accountability session with me today! We can take on this journey together! Bonus Tip: Celebrate the Small Wins Debt pa

26 likes

Adulting 101: Get out of debt

We all been there. Some of us are still there! See if this will help you get out of or better your situation. I wish I had this info a long time ago. Especially when my money was not long 😭 1. Create a budget. Start by creating a detailed budget that outlines your income and expenses. Track you

104 likes

CREDIT CARD DEBT: My Story

I can’t believe I got myself into this situation. I started working at 16 and learned how to manage money. I loved to budget and grow my savings. This continued until I was 26 and hit a low on my mental health. I was unable to function and could no longer work. I spent all my money while I wa

392 likes

I'll be debt free in 2.5 years

(With Google Sheets formula explaination) Truly can’t wait until that day comes!! I calculated this based on the loan terms of my 2 loans and took the date of the very last payment for both. It just so happens that last payment is 12/25/2026! Hope this is inspiring for everyone who i

885 likes

How I Over come credit card debt.

Let's dive into the wild world of credit cards, 🤑. So, you're probably thinking, "How do I tame this plastic beast?" 🤔 Well, I'm here to share my two cents, which, coincidentally, is more than I had when I was drowning in credit card debt 💸. Seriously though, I'v

109 likes

Being transparent With my debt

It has been a tough tough journey ! Last year in march my dog had ivdd surgery and I couldn’t live with him not being better so I paid around 20 k the first time and this year in march again he got it again and was 14k and everything just started accumulating 😭😭I’ve never ever been in debt I always

1023 likes

DEBT DOESN’T HAVE TO LAST FOREVER

I built my mom a system that crushed $19,300 in credit card debt by combining smart payoff strategies, strict budgeting, and small extra income streams. Twelve months later, every card was at zero and her credit score was climbing. #debtfreelife #savingmoney #ai #chatgpt #prompts

633 likes

Financial benefits of a debt, free lifestyle

Most people don't PLAN to FAIL, they FAIL to PLAN. With taxes going up & cost of living at an all time high it is essential to get our Financial Life in order! I love being able to help TRANSFORM families financial pictures by helping them implement strategies to: PROTECT their MONEY fro

18 likes

Keeping It Real: Tackling My Debt 💳

Keeping it real: These are my current credit card balances 🤑. My goal for January to February 2025 is to pay these off completely and start fresh. It’s not easy, but I’m determined to stick to a budget and tackle this step by step. Sharing this to hold myself accountable and connect with others on

678 likes

Credit card debt 📉

#gtag #gorillatag #vr #imnotfunny #hacksyoudidnotknow

46 likes

my debt free habits

#debtfreejourney #debtfreetips #debtfreelife #budgeting #budgetingtips

81 likes

Debt payoff strategy

According to a WalletHub report, Americans paid $163.89 billion in credit card fees and interest in 2022. And with interest rates on the rise, having a strategy in place will be critical in 2024. Remember to follow @makerealcents & for more debt payoff tips. There are two popular frameworks:

307 likes

Ways to build your credit fast 🌱

🌱1. Get a Secured Credit Card • You put down a deposit (like $200) and borrow against it. • Use it for small purchases and pay it off in full and on time. • Reports to all 3 credit bureaus (Experian, TransUnion, Equifax). Good options: Discover it® Secured, Capital

161 likes

Struggling with credit card debt? 💳

Hey y’all! Let’s talk about a real-life struggle: credit card debt. If you’re feeling overwhelmed, ChatGPT can actually help you create a plan to tackle it. Here’s how: 1️⃣ Understand Your Debt 👉 Prompt: “Help me organize my credit card debt. I have [$X] on Card A at [X% interest] and [$Y] on C

427 likes

Audit your credit cards or you will stay in debt

You’re not going to make this credit card mistake in 2026! Before the new year starts let’s audit out your credit cards and here’s how ! You aren’t bad with your credit cards you just aren’t putting them in your budget ! Here’s how we change that ! Full video out on my YT 💖 Let’s get your

42 likes

How to Payoff Credit Card Debt - Part One

Credit card debt can really set you back financially. The high credit card limits and high interest rates make it feel near impossible to see the light at the end of the tunnel, but it’s there. So, it’s time to go through the steps to get out of it! Here’s part one of how to payoff credit card deb

301 likes

4 Reasons You’re In Credit Card Debt

If you’re in credit card debt, you should figure out why and then get out of it as quickly as possible. Here are four reasons you could be in credit card debt: 1. You live above your means. You’re living a lifestyle that you cannot afford. 2. You don’t budget. Maybe you just don’t realize th

44 likes

How to pay down credit card debt 🥂 SAVE THIS

How to pay down credit card 💳 debt (and still buy the house you want): It’s not about being perfect—it’s about being prepared. Be proactive, realistic & have a plan. Use the resources provided to you! I want us to all win 🏆 Here’s the real tea on lowering your credit card utilization and

67 likes

Part 3 - get CC debt free!

Although credit cards are a great tool for building credit (which comes in handy if you need to take out an auto or home loan in the future), if they aren't used responsibly, it might be hard to get out of debt! Follow along for my series on how to understand and get out of Credit Card debt!

116 likes

How to start paying off credit card debt

You are paying off your credit cards going into 2026! And here is the simple way of how to get started ! List your credit card debt and the creditors and interest rates. This gives us a look into what's going on !! #jaliyahkreationz #creditcarddebt #creditcards #moneymanagement #

65 likes

My debt payoff journey 💸

Still got ways to go but this is a great start 👏 #debtfree #debtpayoff #financialfreedom

121 likes

A woman with curly hair and a white floral top, with text overlay about asking God to pay credit card debt while unemployed.

A screenshot of a Best Buy credit card account showing a minimum payment due of $101.00 and a current balance of $2,879.27.

A screenshot of a Best Buy credit card account showing a zero balance and no payment needed, indicating the debt is paid.

God PAID for my credit card debt IN FULL

Didn’t fast, just prayed and had a wholeeee lotta faith! I knew God was real but my my my. This still has my jaw on the floor. #christian #jesus #faith #bible #god

562 likes

A printable Debt Snowball Tracker template featuring sections for debt listing (debt, amount, min. payment, snowball payment), instructions for the snowball method, and a visual payoff progress chart from 100% to 0%. The top title reads 'DEBT SNOWBALL TRACKER'.

Debt Snowball Tracker: Watch Your Debt Disappear!

Crushing debt one snowball at a time! ❄️💰 Just started using this debt snowball tracker, and it’s already making such a difference in keeping me motivated. There’s something so satisfying about visually seeing the progress as each balance shrinks! If you’re ready to tackle debt and simplify your pa

47 likes

A monthly calendar for January showing bills and paydays, with text overlay "HOW TO SET UP THE BEST BIWEEKLY BUDGET TO PAY OFF DEBT" by Jaliyahkreationz.

A monthly planner template for January detailing income breakdown, fixed expenses, variable expenses, and savings, with text "THIS MONTHLY TEMPLATE MAKES IT SO EASY TO FOLLOW" by Jaliyahkreationz.

Weekly budget templates showing fixed and variable expenses, income, and cash surplus for different weeks, with text "NOW LET'S USE THE BIWEEKLY TEMPLATE" by Jaliyahkreationz.

To pay off debt with biweekly budget

Make your biweekly budgets simple with these templates ! Does your payday routine feel like your spread thin ? Do this process every month to see a change in your finances. Set up your month budget to see an overview of your expenses. If your fixed bills are more than your checks take the t

532 likes

Boost Credit by getting a Loan

The balance on personal loans doesn’t contribute to your credit usage (2nd biggest factor into your scores). Thus, Apply for personal loan, transfer credit card debt to personal loan. This drastically drops your credit usage, which will boost your scores. #creditusage #creditscoreboost #credit

23 likes

See more