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Give out the savings trick. The debt man edition. EP's over.

Finally, a debt man like me has the first money. ðŸŦķðŸŧðŸĨ°

First chunk 12,336 baht 🎉🎉🎉

See, this technique is really done.

It's a good opportunity to tell us our trick again today.

Our technique is 24 months of regular deposits, and we think we owe the bank two years to pay the debt exactly every month.

In truth, it wasn't easy at first, because we usually hit the month. Some months weren't even enough to pay, but we had to find another way to survive.

Anyone with a flood of debt like us would like to think like this.

Who does everyone want to be between Miss A. and Miss B.

Miss A. has a debt of $100,000, no money to save, don't know when it's over, find it hard to live.

Ms. B. has the same 100,000 baht debt and 10,000 baht to save. The future has the opportunity to run out of debt with a lump sum to invest in the future.

Everyone says who has a better chance of living?

Today we choose to be Miss B.

There are debts, there are collections, one day we can put the collections to close the debt, or we can invest the collections and close the debt, at least there are two choices of life, rather than no way.

Stop thinking that the salary is not enough to pay the debt and where to collect it, because in fact, for some people, we just have an additional debt of 500 baht a month, how much heavier is it?

Since it's not enough to pay, creating a debt that's going to be 500 baht a month would be no worse.

Anyone who is still ok, try this method to use. 200 300 per month, I want you to try it. Let's fight together.

4/3 Edited to

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Very late in posting life has been so crazy! This work week is from June 11th (not pictured) and then June 18th -June 22nd. It was a slower week at the bar but still had a good turn out to fill out my chart! Thinking about creating something different only because the higher numbers are get
Madison Lee

Madison Lee

2055 likes

$500 Savings Challenge
Here’s your guide on saving $500 in 25 days!! Make sure to save or screen shot the tracking chart I made for you! ðŸĪģðŸĐ· To save $500 in 25 days, you just need to save $20/day. Easy! Here’s some ways you can do that: - Skip the drive this - Work an extra hour - Ditch excessive tip cultu
Annelisa

Annelisa

498 likes

How to have No Student Debt
Get a job â€Ē Having a steady income throughout the school year allows for more insurance. â€Ē Gaining more money throughout the year let’s you start paying off student debt. Scholarships â€Ē They’re thousands of scholarship that you could apply for. â€Ē You can apply to scholarships year round.
AliPond232

AliPond232

695 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 ðŸĐ· This is your sign to start your budget journey to reach your goals ! #budgetplaner #planninggirl #budgetingasastudent #budgetingforbeginners #jaliyahkreationz #moneyma
JaliyahKreation

JaliyahKreation

1508 likes

A person in a striped shirt and jeans looks at flowers outside a shop, with the text 'HALF PAYMENT Budget Method to get out of debt' overlaid.
A cozy indoor scene with a laptop, teacups, and a teapot on a wooden table, featuring the text 'Divide your income into two halves.'
An outdoor patio with two white lounge chairs, plants, and a stone wall, overlaid with the text 'Use one half for debts and living expenses.'
HALF PAYMENT Budget Method to get out of debt
Hey there! 😊 Are you feeling overwhelmed by bills and financial stress? If so, you’re not alone! I want to share a budgeting method that many people haven’t discussed yet, but it’s truly effective. While we often hear about various budgeting strategies, this one stands out as the easiest approac
Inashwealth

Inashwealth

1419 likes

Becoming Her: Finance Edition
âœĻ Financial confidence is a form of self-care. You deserve to feel secure, stable, and in control, because becoming the woman you want to be includes financial wellness too. 📌 Save this post & share with your girls—financial freedom is a lifestyle! I’ve created a free budgeting worksheet
Symone’âœĻ

Symone’âœĻ

1826 likes

An image overlaying the title 'DEALING WITH DEBT COLLECTORS DO'S & DON'TS' on a financial dashboard. The dashboard displays monthly expenses, incomes, credit card usage, and transaction logs, illustrating financial management concepts relevant to debt.
An image titled 'DO's' listing six actions for dealing with debt collectors, including requesting validation, verifying debt, disputing incorrect information, negotiating, recording everything, and seeking help from the CFPB. The background is a financial planning template.
An image titled 'DON'TS' listing three actions to avoid when dealing with debt collectors: don't communicate before validation, don't do nothing, and don't forget to pay taxes on canceled debt. The background is a transaction log template.
👇KNOW your Rights - Dealing with Debt Collectors
#debtcollector prey on negative feelings and all they care about is meeting their quotas. They don’t care if the debt is legitimately yours so here are some things that you shouldn’t should not do when interacting with them. DO’S: 1. Request a validation letter - they have 5 business days f
TheHappyPlanner

TheHappyPlanner

526 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
Investingashley

Investingashley

199 likes

The Avalanche Debt Reduction Method!
A step by step guide to stop letting interest eat the extra money you put to reducing your credit cards every month! #creditcarddebtpayoff #becomingher #becominghim #adulting *Chat Prompt* “Hey Chat, I want to use the avalanche method to reduce my credit card debt. Here are all the acc
AdultingwithMare

AdultingwithMare

356 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
Claudia Barbie

Claudia Barbie

921 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!ðŸ’ļðŸ’ļðŸ’ļ
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
🌊ðŸĪâ€ĒAnnabâ€ĒðŸĪðŸŒŠ

🌊ðŸĪâ€ĒAnnabâ€ĒðŸĪðŸŒŠ

322 likes

Pay Off Debt: On A Paycheck To Paycheck abusget
So you want to pay off debt but you don’t know where to start because you’re living paycheck to paycheck? There is good news that there is still ways to pay that debt off EVEN IF you’re paycheck to paycheck. Here’s some steps to take this next pay period: ðŸ“Ģ CREATE A BUDGET List out
Ashlie

Ashlie

612 likes

PAY OFF DEBT WHEN YOU HAVE NO MONEY
Let's break down the steps to pay off debt when you're on a tight budget. I'll provide practical advice, and online jobs to consider for help because having a second job can help. Remember, consistency is key, and even small efforts can make a difference. Here we go #lemon8partner #
Inashwealth

Inashwealth

411 likes

A dark blue pouch with yellow clover patterns is filled with various US dollar bills, illustrating the "Snowball Method" for tackling debt. The image includes the title "HOW TO TACKLE DEBT SNOWBALL METHOD."
A dark blue pouch with money inside, overlaid with text stating there are multiple ways to pay off debt and that this strategy prioritizes the smallest balances.
A close-up of US dollar bills, with text instructing to make minimum payments on all debts and put extra money towards the debt with the smallest balance remaining.
Pay off your debt w/ the Snowball Method! ❄ïļðŸ’ļ
There are multiple methods to paying off debt. The snowball method prioritize paying off debt with the smallest balance first. It’s important to know that you want to make the minimum payments on all of your debt. If you have any additional money, though it should be put towards the debt with t
Kylie ðŸ’ļðŸŦķðŸŧ

Kylie ðŸ’ļðŸŦķðŸŧ

449 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
Welcome Baddies

Welcome Baddies

6802 likes

Struggling with credit card debt? ðŸ’ģ
Try these two proven methods to get back on track! âœĻ Snowball Method: Start by paying off your smallest balance first and work towards higher balances. ðŸ”Ĩ 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
Mari ðŸĶ‹

Mari ðŸĶ‹

1051 likes

The image features the title "REALISTIC SAVINGS GOALS WHEN YOU'RE LOW INCOME" in purple and green text, with money-themed stickers, set against a background of blinds and a lamp. It emphasizes achievable financial goals.
Against a green plant background, the image advises to "DITCH UNREALISTIC NUMBERS," stating that low-income savings goals should focus on stability, not perfection, and help ease financial stress.
Displayed against a ceiling with a fan, the image lists "WHAT REALISTIC GOALS ACTUALLY LOOK LIKE," including a $250-$500 emergency fund, saving one month's bill, $10-$25 per paycheck, and covering unexpected expenses.
realistic low income savings goals ðŸ’ļðŸ’ē💚
When you’re low income, saving money can feel impossible — especially when social media pushes huge numbers and unrealistic timelines. The truth is: realistic savings goals matter more than big ones. Instead of focusing on how much you wish you could save, focus on goals that improve your daily
Jessica | LIFESTYLE 💕

Jessica | LIFESTYLE 💕

249 likes

The image displays US dollar bills ($1, $10, $20) fanned out on a reflective surface next to a black wallet and a small potted plant. Overlay text reads "How To SAVE MONEY On a low budget" and "Swipe>>", introducing the topic of saving money.
This image illustrates the first five savings strategies: Budget, Savings Goal (jars for savings, retirement, emergency), Automatic savings (phone transfer), Reduce Debt (person with debt bag), and Cut Unnecessary Expenses (trash can). It asks "WHERE To start?" over an indoor setting.
Set against a swimming pool backdrop, this image illustrates the remaining five savings strategies: Extra Income (money stacks), Community Resources (food pantry box), Smart Shopping (coupon basket), Limit Large Purchases (no spend bag), and Stay Motivated (sticky note).
10 easy ways to start your savings journeyâœĻðŸ’ļ
Saving on a low income can be challenging but achievable with careful planning and discipline. Here are some strategies: 1.Create a Budget: Track your income and expenses to see where your money goes. Prioritize essential expenses and identify areas where you can cut back. 2.Set Savings Goals
Mari ðŸĶ‹

Mari ðŸĶ‹

269 likes

What I did to pay off my debt
Discipline your spending and change your mindset #moneyrules #moneyaesthetic #healthylifestyle2024 #Lemon8Diary
ImTheLoveWitch777

ImTheLoveWitch777

182 likes

Prayer to wipe out financial debt
#Prayer #Finacial debt
accessories JRose

accessories JRose

866 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 âœĻ #budgetforbeginners - #jaliyahkreationz #payingoff
JaliyahKreation

JaliyahKreation

1312 likes

3 Debt Facts ðŸŦĩ to Know (to prep for a recession)
Debt is one of those topics that has always frightened me. Didn’t matter if it was good debt that was helping me build my credit score or other loans, I wasn’t fully comfortable with debt until I learned about proper debt management. So here are 3 debt facts that can help you understand how deb
TheHappyPlanner

TheHappyPlanner

39 likes

how to manage & reduce debt💰âœĻ
Here are some tips to help manage and reduce debt: âœĻCreate a Detailed Overview: Start by listing out all your debts, including the total amount owed, interest rates, minimum monthly payments, and due dates. This will give you a clear picture of your debt situation. âœĻDevelop a Repayment Plan:
₊˚âŠđâ™ĄðŒ‹ðŒ‰ðŒðŒƒðŒ” ₊˚âŠđ♡

₊˚âŠđâ™ĄðŒ‹ðŒ‰ðŒðŒƒðŒ” ₊˚âŠđ♡

65 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‾ïļ
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
Financial Coach + Photographer

Financial Coach + Photographer

26 likes

âœĻ👰ðŸū‍♀ïļ Bride On A Budget | Wedding HACKS = SAVINGS 💒âœĻ
âœĻ Let’s be real, weddings can get expensive! And honestly, no one wants to start married life drowning in debt just for one dayâ€Ķ well, a few hours. That’s why I’ve been looking into some of the smartest hacks to save money for me and my fiancÃĐ’s big day while still keeping things beautiful and memo
Margarita

Margarita

402 likes

GIRL MATH: Saving EditionðŸĪŒ
Most people pay bills first and save whatever’s left. That’s backwards. One thing I’m learning: pay yourself first. Even if it’s small. Because if you wait until the end of the month, there’s usually nothing left. That one habit can change everything. I’m realizing building wealt
TheCapitalClique

TheCapitalClique

8 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
Kevin’s Templates

Kevin’s Templates

291 likes

A hand holds US dollar bills (10, 20, 100 denominations) against window blinds. Text indicates how to save money and pay off a debt, reducing it from $3200 to $1500, with a 'SWIPE' prompt.
A hand holds US dollar bills against window blinds. Text explains that settling or negotiating debt prevents accounts from defaulting, which benefits your credit score by avoiding default.
A hand holds US dollar bills against window blinds. Text states that settling debt reduces the total amount owed, thereby lowering your credit utilization ratio and reducing debt load.
WHY YOU SHOULD NOT PAY THE FULL PRICE OF A DEBT ðŸ’°ðŸ’…ðŸ―
Boosting Your Credit: The Benefits of Debt Negotiation & Settlement Discover how negotiating and settling your debt can give your credit score a glow-up! By taking charge and making smart moves, you can sparkle with a healthier credit score, less stress, and a fresh start. It’s all about tur
Lakenya Hale

Lakenya Hale

103 likes

How to Pay off Debt Quickly
Paying off debt faster starts with a solid strategy. I list my debts in order, pick a payoff method, and cut back to redirect savings toward becoming debt-free. These simple steps help me stay focused and make progress faster. Swipe to learn how to speed up your debt payoff today! 🌟 #lemon8partne
Kevin’s Templates

Kevin’s Templates

94 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
JaliyahKreation

JaliyahKreation

531 likes

A snowy mountain with an avalanche, illustrating the 'Debt Repayment Avalanche Method' title. The text 'Debt Repayment' is in white script, and 'Avalanche Method' is on a yellow-green banner. The bottom left corner has 'Lemon8 @financebaddie0'.
A background of US hundred-dollar bills and a 'THANK YOU' card, overlaid with the title 'THE STEPS' and five bullet points detailing how to implement the debt avalanche method.
Stacks of US hundred-dollar bills serve as the background for the title 'KEY FEATURES' and five bullet points outlining the main characteristics of the debt avalanche repayment method.
Debt Repayment: Avalanche Method
@Welcome Baddies The debt avalanche method targets high-interest debts first, reducing overall interest costs. It requires discipline and patience, as initial progress may be slow. This method is ideal for those focused on long-term savings and minimizing interest payments, ultimately leading
Welcome Baddies

Welcome Baddies

76 likes

Beginner steps for paying off your debt
This is for the person that scared to look at their debt! You have to start somewhere and here’s how you get started! If you need help setting up a budget that actually allows you to pay off debt. Make sure you guys book at your one on one calls ! Let’s get you debt-free so you’re not spending
JaliyahKreation

JaliyahKreation

24 likes

Things I Stopped Buying To Pay Off Debt Faster 🎀âœĻ
Paying off debt didn’t mean I stopped enjoying lifeâ€Ķ I just became more intentional with my money 💕 The biggest thing that changed my finances was cutting back on small habits that were draining my wallet without adding real value to my life. Things I stopped buying: ♡ random Amazon purchase
CurlyGlamBudget

CurlyGlamBudget

119 likes

HOW I PAID OFF $4K IN DEBT IN 8 MONTHS
12 months ago I had over 4k in debt between student loans & credit cards.. I know this might not sound like much if you have over $15k in debt but if you stick to this and save every extra penny you can & put that towards your debt you will barry yourself out of debt faster then you think.
ImTheLoveWitch777

ImTheLoveWitch777

62 likes

How to pay off debt with a weekly budget
This is your sign to take budgeting serious for the last 6 months of the year ! Setting up your July budget just got ten times easier ðŸĐ· Using this digital budget planner makes organizing your bills and spending ten times easier! My whole game plan is set for July ! Full video and plan c
JaliyahKreation

JaliyahKreation

74 likes

$1 Bill Savings Challenge ðŸ’ĩ💕
In one dollar savings challenge, you want to save all the one dollar bills that you come across! Select a timeframe for the challenge. A good timeframe is a year or it could be six months. Make sure you give it enough time that you have a chance to actually accumulate these. Put away any one
Kylie ðŸ’ļðŸŦķðŸŧ

Kylie ðŸ’ļðŸŦķðŸŧ

207 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
TheHappyPlanner

TheHappyPlanner

885 likes

Part 2: Choosing the PERFECT High Yield Savings
Now if you MUST have recommendations here are a few to consider âĪĩïļ âœĻ EverBank formerly known as TIAA Bank âœĻ Capital One âœĻ AMEX (you must have a credit card with them) âœĻ SoFi Don’t over complicate this. Pick one. Set up weekly or monthly transfers. Forget about it. Let it g
Destini âœĻ WealthyHer Mentor

Destini âœĻ WealthyHer Mentor

203 likes

Credit Card Debt Savings Challenge ðŸ’ģ
Get the sheet: 🔗 Link in bio Instant PDF download Print on standard 8.5x11 paper Realizing you can save $5,050 just by following a simple system 💰 The 100 envelope challenge might look intimidating at firstâ€Ķ ðŸĪŊ But it’s actually one of the easiest ways to build real savings without overt
Saving With Budget Savvy💰📊

Saving With Budget Savvy💰📊

17 likes

Save Money or Pay Off Debt??
@Welcome Baddies The optimal approach balances accelerated debt paydown, especially high-interest debt, with building an emergency fund in case of income disruptions or large expenses. Evaluate interest rates, investment returns, and cash flow to determine the right debt vs. savings split for y
Welcome Baddies

Welcome Baddies

183 likes

How to budget and pay off debt
This is the easiest way to pay off debt and reach your savings goal at the same time 💖 Set up your budget with the guided templates. These templates will show you how to manage each paycheck. You will know exactly how much you are putting towards expenses and what’s left to put into your savings
JaliyahKreation

JaliyahKreation

37 likes

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