April 2018 Budget | The Tax Man Got Me + New Budget Template | Aja Dang
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- čas přidán 28. 03. 2018
- I'm Aja Dang and this is my March 2018 monthly budget. This is the forth month of sharing my financial journey and how I budget to pay off my huge student loan debt. I changed templates, which has proven that I really had no clue what I was doing up until this point. Thanks to Marriage and Motherhood on the great template!
MY BUDGET (hopefully it opens):
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OMGoodness! Thank you so much! I'm so glad you changed it to fit your needs! That is key! Keep at it! You're doing great and its SOOOOOO worth it!
So I clicked the link and the template is nowhere to be found. Just a program to purchase.
You are so brave for opening up about money. I wish more people talked about this in such an honest way!
Whether I agree or not with the way you budget and spend your money, I always hit 'like' on your budget videos because I really respect you for being so open vulnerable and honest with us. Thank-you. #Love&Respect x
" most americans are in debt but dont talk about it" yaass gurl. I Stumbled upon your 200k student debt video and kept seeing Dave Ramsey in the comment. Now Im hooked on budgeting. Girlllll you changed my finances 😂😂😂
no girl, YOU changed your finances! I opened your eyes but you're the one actively doing it. All you girl.
Come on Aja, you’re doing great girl. You are the owner of your life and you’ve taken responsibility for it. I’m following you since a couple of years now and I’m enjoying especially these kind of videos since I’m not only learning from you, but also feeling inspired. Cheer up!! Big hug from Spain
If you are ahead on your student loan payment you should be able to call in payment and have it directed to principal only. Making the payments online while convenient puts the funds towards interest, with very little to principal. Also, make sure you are claiming your interest on yearly taxes. Since you have high student loans it does not hurt to look into refinancing and combining both. You will be saving on the interest
ya, I think I'll be doing that with SoFi.
Yes if you are going to make that 1k extra, do right after paying all the interest so it counts.
Aja, you should absolutely consider Sofi. I refinanced my MASSIVE law school loan with Sofi and they cut my interest rate by nearly half. Although I am making slightly higher monthly payments than I was with Nelnet and a private school loan, the time to pay my loan was also cut in HALF. When you refinance, be sure to do so with a referral code so you can get the $300 (or $500 I forgot how much I got) - they’ll deposit this amount into your account which is nice. Also, double check with a financial advisor regarding the Roth IRA. If you surpass a certain yearly income, you will actually be *penalized for contributing to a Roth because there are income limits for that account. So you may want to speak with a financial advisor and consider a Backdoor Roth IRA.
You're amazing. I discovered you because of your budget videos. So I've watched each moth now. You're food budget is great now I can't remember a 100% but I wanna say you're January budget you were eating like $1200 now you're down to $200. I commented on that video to talk about your food and you ask me what your budget should be and I was afraid to say because I didnt wanna scare you by saying it should be $200 so I'm really glad to see that it's $200 now
haha ya, it was pretty insane. Didn't realize how much money I spent on food!
Student loan system is US seems to be so sick. Good luck Aja, you will pay this off and sooner than you think you will worry about the mortgage!
Thank you so much for sharing! Love how candid you are. I’ve always budgeted but watching these videos shows me new techniques and I really appreciate that! Be proud of yourself for this!! Keep it up!!
I'm 31 and this gives me hope! Thank you for these budget videos and using real numbers.
Love how transparent you are!
these have turned into my fave video series of yours! thank you for your honesty always! it is so helpful for actual application. i just added up all my income for the past couple months and my mind was blown because i always feel broke too, but in reality it's got a lot to do with being super aware of where your money is going! if not for all the dining out and gas for trips away i'd be livin the life!
As always, thank you for this series!! Really an eye opener!
Thank you for being so transparent about budgeting and your financial struggles! It's making me be more conscious of how I manage my money.
I would contact the company and find out how you can pay the extra amount towards the principal only. Some companies make it easy with an option online, others make it more difficult and make you send a check. Keep attacking that $30k loan and I wouldn't worry about consolidating the loans since you're attacking that debt (consolidating will take too much time and effort for very little savings on interest). Great video and amazing job earning that amount of income, how many years of hard work did it take to get to this point? Also so great to hear that you're wanting to attack the student loans head!
TruFinancials agreed! Knock out the 35k loan first then attack the big one with a vengeance!
I love how you're so honest abut this. It makes me feel good.
Aja, you are amazing. I love how open en real you are...
You inspire me!
Thank you so much!!! ❤️
I really love watching your budget videos. I remember I couldn't even look at at my student loans without literally breaking out into a sweat. I would have palpitations and experience an immense amount of anxiety. But once I faced the truth head on about how much I owed and what I was spending my money on (like you, food!), interestingly I felt more at ease. This sounds really stupid to be happy about, but in April, my student loan debt will be under 200K. I was able to get 35K paid off in 2017 and now I'm excited to see how much more I can knock off this year. Thanks for sharing your experience!
7crysb7 that is absolutely amazing!! Congrats! Hopefully we can pay these off within a couple years
I am so glad you're honest and genuine about real life problems like money that no one teaches us in high school/college.
Thank you I am excited to start budgeting!
I think you are doing great with your finances. It’s so true you do need to pay attention to where your money goes. So easy to spend it all alway on the little things if not careful. Don’t be so hard on yourself. Making mistakes is part of life. You live and you learn I always say. To me being broke is not having food to eat, not being able to pay bills, and struggling to have your basic needs met. I’ve been there before unfortunately, but I got wiser, stronger, and more resilient from it. And I thank God everyday for helping me through it. I’m still considered poor in society’s eyes, but I feel blessed because of my family, friends, and my basic needs are met.
Go girl! Because you’re kicking this so openly, you’re going to accomplish your goals, Aja!! ❤️ Love your videos.
Thank you for being so transparent!!!! ❤️ I love watching your budgeting videos and it keeps me motivated to stay to my budget as well! Keep going 🙌🏽
Your budget videos get me so excited ! Good luck on your journey 😘✨
Love your honesty! Because you created these videos, I’ve now started to budget and read the Total Money Makeover. Your videos help keep me motivated!
congrats on starting your financial journey!
Thank you for this very real video! Love your content, and I will definitely try out the new template! Good luck with your journey and you rock girl!
Thank you so much for these videos! I often become overwhelmed when thinking about money. I'm the same way, I need to cut down on food spending and pay off my debts. Thank you for taking your experience and helping others not make the same mistakes! It takes a lot to be able to talk about this honestly and openly.
Your transparency and your honesty is so refreshing. So many people are going to reap benefits from what you’re putting out there. 👏
You are actually so cool Aja, I 100% believe you can pay off the debt and more !! We support your journey, thank you for sharing this because you didn't have to. But I am learning new things every day thanks to this series.
Omg THANK YOU FOR JUST BEING DAMN HONEST. honestly, were all in the same position and just to hear some inspiration on how to handle stuff like this in life is just awesome. Realest youtuber out there!!
You are kicking my ass in the best way! There is so much here that i relate to that I just had to subscribe! I just finished my first full year of self employment, am currently in tax mode and the only debt I have are my student loans!
Please keep making these video! Even if we don’t use the templates or the processes, we need people we respect to keep the conversation and hope going so we don’t bury our heads in the “sand” without ever taking charge of our finances! “Tell your money where to go”...best free advice I’ve gotten all year! Blessings to you Aja!
Thank you Aja! I downloaded your template and just started budgeting for the first time. Had no clue I spent so much eating out and at cvs 😞
I am soooo glad that you are such a famous YT that is willing to talk about finances and how to save money 💰!!! All the rest of these famous YT talk about are hauls, monthly favourites all these stupid material things! Kudos to you! You are truly an inspiration!!! Keep this up! Keep up these videos!!
Aweee I prefer when you hand write it. It’s therapeutic to watch 😅 ❤️
So, I'm in my junior year of high school and I had no idea of how budgeting worked until I found your videos. I'm so glad that you're talking about it because it opened my eyes to the fact I will soon have to look after myself. This has helped me to seriously think about my future for the first time in my life. That is so valuable . Thank you.
YAS new budget video !!!❤️❤️ rly powerful speech at the end aja thanks so much :-)
Love you, Aja! I wish I could give you. Some good advice but I have he same questions as you! I’m just so grateful that you put out these videos because I feel like we’re doing this all together. What an amazing community you have created!!!
Love your budget videos and adulting videos in general, girl! I started budgeting this month because of your videos. You are not alone! 😁
Hi Aja, I think you should pay the smaller loan first. And don't worry you will be fine. You are budgeting your money and it is all that matter. Don't think to much about what you could have done, but focus on what you are doing now. I am telling you this because I have spent too much time and energy thinking "I should have done this". Just a big sister advice (I'm 38) ❤️
Yes yes yes! Liked this video before even watching! Always glad to hear your still motivated! Your going to look back at these video and be glad you started when you did 😉
Thanks so much for these videos. About to graduate from medical school and have been feeling super overwhelmed about the concept of budgeting and repayment. Keep making these!
Hello, I love that you are so opened about budget. I am 35 and I started doing my budget when I was 22. My mom taught me but also at 22 I was $12k in debt already buying stupil things. I thankfully paid that off. I have been trying to teach my friends how to budget but they don't want to listen. There is nothing to be embarrassed about doing a budget. Most people need to know where their money goes. Continue doing a great job!
Thanks for posting this budget videos! I think it's great information for others, and you're right that it will help others feel like they're not alone. You're doing a great job! I think you're doing a great job and are on your way to a great place, probably in a much better place than a lot of other people - just know that you're working really hard at it!
You'll tackle this in no time girl! Keep going! I graduated college last year and you've definitely inspired me to budget! Love love you!
TJ B budget now so you’re not in my position in 10 years!
I watch a lot of finance videos and don’t usually think much of them, but yours really hit me. You really portrayed emotion in your video and sincerity and humbleness. I hope you turn your situation around in life, I am cheering for you. You are great, and as important as money is take a moment to enjoy life and your health and your loved ones. ✨💖 sending positivity your way
Aja, thank you so much for putting this and yourself out there to help younger people like me prepare financially for my future. This was really great advice, and it encourages me to take charge of my own finances! It's easy to look at a lot of youtubers/social media influencers and think that they have it all and that life is a breeze, because people only show the glamorous side of things and less often choose to show the REAL side of things. Thank you for being transparent and and encouraging us to OWN our lives!!
You don’t know how helpful these are. I’m going to show this to my boyfriends little sister who is in middle school. I also love that you gave the shoutout to the lady who provided the templates. Many ppl “forget” their resources. Keep going, Aja!!!
Wow that completely sounds like my month. I had to stop tracking my budget for the same exact reasons. Your videos have been helping me also.
So great that you are sharing this. An inspiration you are. Keep up the good work😉
I'm about to turn 30 and I feel the pressure with bills. THANK YOU for being honest, its something people don't really talk about it like you said. The spreadsheet and your advice HELP SO MUCH!!!!!!
Love you !! you r such a motivation !! keep up the amazing work!!
Thank you so much for sharing this and the spreadsheet! I think money is EVERYBODY'S secret struggle.
i love this series! thank you for being honest!
Very well organized!! I like your template set up!
You can do it Aja! gurl u got dis. thank you for this video
I love how you keep it real. Budget life is never always perfect. Shit happens!
Doing your financial marathon 😍
So true! They need to teach us this kind of stuff financially in high school especially people like us who don’t have a rich upbringing and we are literally always trying to make it for ourselves and we work damn hard for our money because we earned it and we take out these loans because that’s our only option. I, myself spend a lot of money on just food and until budgeting I never knew how much I was spending besides the bills I was paying but I never knew that it was the rest of the stuff that’s where all my money was going to:/ loving your videos aja:)
Love these videos!! They're actually how I found you! I started getting serious about budgeting after I found out my full student loans total (like you, with 2 separate providers), so I definitely get it. I'd love to hear more comments about refinancing; I'm considering it too. If you mention refinancing updates in your next budget video I would really appreciate it! :) Keep telling your money where to go!
Love this topic about budgeting, thanks for making a vid about this. So relatable !! Trying to be a home owner here as well by 31.
Thanks for being real and transparent!
The interest first thing is a default for a lot of students loans. Call or write and set it up so that any excess goes to principle. It might be a challenge to get there but it’s totally worth it. Good luck with your journey and know that it’ll be worth it in the end
This is such a strong video, and it really hits home a lot of real life shit (in the best way). I am also a 31 years old woman and I started doing my budget because of you, so thank you for opening my eyes to the (horrible) world of finans and excel. Looking forward to more videos and all the best to you on your journey, xoxo from Denmark
Thanks for sharing this! I consolidated my 2 student loans together and I regret it. Just like when I took out the loans I was young and naive when that was offered to me... I love the idea of sinking funds. I’ll check her out and will definitely use this template.
Aja!!! I don't usually comment on your videos but I thought that I definitely should. First off, thank you for being so real and down to earth with us! You show all the facets of life - the highs and the lows - and for that I'm so appreciative and I love the fact that you speak so honestly and truthfully. Secondly, your budgeting videos are SO helpful - this one in particular really slapped me in the face. I'm only in first year university right now (I'm 19), but by the time I graduate undergrad, I'd have almost $30k in student loans. I get my loans and grants together and they get sent straight to my bank account (and some straight to my university to pay off tuition directly), and so I thought I had SO much money in my bank account. I definitely relate to the fact that I wasn't buying luxury goods (what student can afford any anyways), but through small purchases, I spent so much money I don't even know where it went - my bank account suddenly has barely any money! Even though I'm only in first year university, I wanted to get ahead and plan how I'll pay off my loans, so your video series has been IMMENSELY helpful - really knocked some sense into me and instilled how important budgeting is. Anyways, THANK YOU and I wish you the best of luck with your student loans! I know you can do it
you'll be so far ahead of the curve if you start budgeting now. Get it!
You are so amazing and helpful! Thank you sooooo much!
Thank you so much for this. Ps. Love your hair
congrats! stay committed and you will get there!
I have been budgeting since I was 19 and got my first full time job - now I am in my mid-forties, debt-free. I feel so safe when I know what goes on in my life financially.
Just an idea - spend a month monitoring your expenses. Use your phone app to keep a tally of where you spend however much you spend and then sit down and make a realistic budget, trimming out the excess and things/activities that do not enrich your life.
Thanks for being so forthright with your budget videos! I also had a bad habit of blowing all my money on stupid stuff (latte here, gum there). Since making a budget, I've been able to save up those coins.
A Dang good thing! 👍🏽
I really love your budget videos! :) Made me start my own budget-journey and so far I managed to save this month around 200€ from my 750ish income, thanks for making me start!
Oh and, I would probably pay both loans at the same time if it wouldn't cost much more at the end. You would need longer but be also progressing with the big one.
My advice would be to not consolidate your loans and keep going with the smaller loan first. Make sure your extra payments are going to the principal. Usually there is a box you need to check that says something like “apply to principal”
These budget videos are great! My advice is consolidate if your credit is excellent and it will lower your overall interest rate. While the snowball method is motivational, with loans as huge as yours, your interest is building so rapidly that paying the smaller one might result in end loss interest wise. I'd say look into consolidation, improve your credit if need be, and start throwing at the huge one. It won't feel as rewarding but long term it could be better.
I have no idea how I found your channel but I am so grateful I did it! Thank you for being so open and vulnerable and honest. I am also 31,and suffered a terrible depressive period in my early 20s, and even though I was pretty well off in the beginning and was earning quite a lot, i somehow sunk in debt after I spent every penny on useless shit. For myself, I found that if I have money, I will spend it. Whether it’s 20 or 2000. My goal is to diversify my income, save for a down payment, and buy an apartment to rent out, then two, and in the future, a 3rd one. My family was of working people, business was something that the other, bad, rich people do, and “it’s not for us normal folk”. My husband has been an entrepreneur his entire life, and even though I was fascinated by the freedom, I cannot help but notice that his money too burn a hole in his pocket, and even though he was a millionaire at the times when most people were starving, he has not kept any of it, except for the penthouse we used to live in. ( and that was not a planned investment either - he had the money, so he bought it during construction). This taught me that making money and being wise with money are completely separate things, and one should not distract from the other. Good luck Aja on your journey, I have been binge watching every video on your channel, and I’m obsessed 🖤🖤🖤
Totally love this videos. It truly has motivated me for a few months to be smart with budgeting. I'm also very comfortable with all this, I used to get major anxiety before 😂
I too started to really strictly budget starting Jan 2018 and I"m so so glad to have found your channel and see you go through similar struggles with budgeting. You keep it real. Its crazy to think we let so much money go to stupid places when we're not keeping track. Not gonna lie..I'm glad I don't have the student loans you do, but we all have our own struggles. If you can refi your student loans to a lower rate then go for it. Otherwise I don't think there's an advantage? Good luck in April! =)
Yes Aja consider consolidating the loans. Keep on mind only federal loans can only be consolidated with federal loans and same for private loans. Also make sure to consider the incentives you are giving up or gaining when you consolidate. Thanks for all your videos. I Seriously make me feel so less alone. Thanks for also showing real raw numbers. Love your channel. 😘
I'm 32 and I'm in a bit of debt. by the end of 2018 I'll be debt free. I'm also saving for a down payment! I love budgeting. I started working on this mid may and I love it. Its hard at first but you get the hang of it. I'm putting every penny in its place! good for you on giving each dollar a job!
Giiiiirl I love this videos
Love the honesty. You are well on your way to becoming debt free and if your income stays that way for a while you will definitely become a millionaire! 🙌🏽
I love your speaking
you make me feel good thank you
girl when you're paying your student loan, make sure you call and pay on the principal. they will automatically apply your payments to interest if you pay online or use autopay. this applies for any loan you have interest on!!
Check things out before consolidating your loans, especially with a private lender. You might want to talk to your college financial aid office first as they can review the options. The terms can change dramatically. I did college planning in my state so can offer some insights offline.
Hi Aja, love your videos and style. Here are a couple of recommendations.
If you want to refinance your student loan here are some things to consider:
How long have you been paying down your loan? In the first part of the loan life, most of your pmt goes to the interest of the loan. So, refinancing the loans will reset your schedule. Meaning, when you refinance you loan again, your payment could be lower ( if you have got a lower interest rate), but your pmt breakdown of interest vs principal will be heavily weighted to interest again. I would call your loan provider and as them if they can send you your historical monthly breakdown of principal and interest, so you can have a better idea what your pmt breakdown is right now, and how much interest and principal you paid to date. Or backfill your spreadsheet you are using right now to see where exactly you are at.
How low can you refinance your loan? If you can find a loan that offers you 0.75% to 1% lower than what you are paying right now, it may be (may be) beneficial to refinance, but I would ask the loan underwriter to run you an analysis to see if it is actually the case. Some questions to ask: how much total interest will I be saving in the long run? How much will my first payment contributes to interest vs what I am paying right now.
Other things to consider:
Student loan deduction: Currently, taxpayers with a modified adjusted gross income of less than $80K ($165K if married filing jointly) can deduct up to $2,500 of student loan interest from their taxes, per year (What a fucking joke), and also if your MAGI is lower than $80K you might not be able to get this benefit.
Roth IRA: For all the viewers out there, I would recommend thinking about opening a Roth IRA ASAP and contributing as much as you by the end of 2017 deadline (April 16). There are some nuances with Roth IRA, but the internet has vast amount of information for you to browse through. Some downfall of of Roth IRA are income limit, less contribution amount, and paying taxes upfront...etc. But, you get the follow benefits (to name a few): Take up to $10K for first time home buyer, can withdraw the money if you become permanent disability, can use it towards unreimbursed medical expenses that exceed 10 percent of adjusted gross income, can use it pay off back taxes and paying health insurance premiums while unemployed. Again, there are some nuances to these benefits that people should understand before withdrawing. For you Aja, it seems you are likely to hitting the income limit (I am not sure), so be careful about that, because Uncle Sam is always watching.
I don't know your circumstances exactly, so this is just some high level comments. I would talk to your financial advisor to seek some professional opinion, since they know the nuts and bolts of your finances.
Lastly, keep up the good work girl! Look at how much you have accomplished already, like paying off your car!!!! That’s a BIG step, so don’t get discouraged. Remember paying off a loan is a running a marathon. It’s a slow grind, not a sprint, and pacing is key!
P.S. Hope you are feeling better. :)
I had the same experience. I was feeling awful about not having much savings or being able to get the things I wanted and then I started budgeting and realized I was throwing away literally TENS OF THOUSANDS on food and clothes and makeup I never ever use. I wasn't broke I was just hella reckless. You're doing awesome. Dave Ramsey always recommends paying smaller debts off first since it creates a sense of success and can be slightly addictive haha
Just fyi for Nelnet. I don’t have time to keep calling to make sure extra payments go to principal. If you schedule your extra payment online to go in same day as your regular/minimum payment is due then that extra payment will all go to principal. (It is so sad when you see how much goes to interest!)
Thank you for sharing something that most people don’t normally talk about! We’re almost done paying off our student loans so just keep at it!
IF you have a good credit score and are VERY disciplined you can also play the balance transfer “game” onto a credit card for 0% to help pay it down/pay less interest
Hi Aja, I love your budget videos! They're honest and really relatable. I would definitely suggest switching your loan payment plan. I would tackle the loan with the highest interest rate first by making large payments like your $1000 while making the minimum payment on the other. Or refinancing them into a single loan could be another option because that interest may be lower too. Hope this helps :)
You are doing such an great job! I'm sure it's hard to see it when you have such a big number but it'll all be worth it! I think you should pay off the smaller loan first and get that out of the way so you can focus on attacking that big one with a vengeance! 🔥
I would pay off the smaller student loan account first because there is a large difference in the amount due on the accounts! Awesome job to you and everyone else paying down debt! I tackled my CC debt a year and a half ago. Now I only owe $6,500 on my $27,000 student loan note! Freedom feels so close!
Once again thanks for keeping it real!!! I love these videos. Regarding paying off more towards the bigger loan, I did that in January and kind of regret it now. My biggest loan is about 50k and my smaller loans are 10k and 6k. I did the SAME THING and got SO MAD that my payments for the 50k loan were literally just going towards interest and paid a 4k payment, where $20 when to principal, finally. But now I wish I would have put that towards the 6k loan so I could have probably paid it off by now. Just having 2 loan payments instead of 3 would be better than paying more towards the biggest loan I think. Just my experience and how I feel about it now! Again thanks for showing real numbers, I can totally relate (my salary is about 35k a year and I feel like I'm drowning in this fucking debt). You inspire me!! Keep it up.
Hey girl. You’re doing so well don’t get discouraged. Watch as many Dave Ramsey videos on CZcams as you can get your hands on. He does not recommend consolidating your debt, you will feel so good once you get that 30k knocked out individually. I would personally focus more money towards your AES loan rather than into sinking funds and saving accounts. Imagine how fast you can save money once you don’t have any debt! Seriously listen to Dave Ramsey though, he has the answer to every question you have in the form of free content. He is awesome and has totally changed the course of my life. Keep doing it 💪🏼❤️❤️
Keep these coming! It’s good to see everyone doesn’t have the money situation down perfectly. Here’s my dumb question: when you hit your budget limit...do you stop spending? Or do you live and adjust the next month?
Wow I'm from Russia and I don't have these problems. I mean the taxes are not so high and I don't have to pay student loans bc I have a full scholarship. Education here is not so expensive compared to the US.
Though we have other problems like expensive (healthy) foods and utilities, even gym membership is not for a good price! So I've started budgeting too and you motivate me a lot! Thanks, Aja
Your doing awesome! Try not to get overwhelmed... If your going to hammer away at the $30k loan it's not gonna matter what the interest rate is because it's gonna be gone so quickly... But because your other debt is larger it would make sense to refinance if it's going to save you money. Either way I don't think you can go wrong. Just stay the course! Love your videos!
Hi Aja. As someone who's also on a tight budget in order to achieve my goals I've benefited from encorperating more colour and style into my budget spreadsheet. I know it sounds silly but I don't shy away from the numbers at much if they're nicely colour coded with attractive fonts. Just an idea that may make this feel like less of a chore.
Do not consolidate! Dave Ramsey is all about the snowball method. You need the mental boost of the smaller win by paying off that smaller loan first. Then you lump ALL of the money from that payment into the other payment! The next one actually ends up going faster because you're not bogged down with any other debt. Thank you for showing everyone this, because more people need to get out of debt.
I am 35 and I just paid down to 7k debt from 120k debt. And I am telling you, the loans and CC is no joke. Watch what you use with your CC. Those interest will kick your ass! Listen to Aja, she is legit and a very smart person. Good luck on your journey. I know you all can do if you put your mind to it.
You should totally refinance. I am paying 1400 now per month, and before I was paying 900. Now over 1,000 is going towards principal whereas before only 300 was going towards principal. My interest rate went from 7.9% down to 4%. Its insane how much you can save. Especially if you have good credit. It is so encouraging for me to see the total go down every month.
I love that you cuss like an educated sailor! LOL... Anyway, You really inspired me - I have nelnet and watched your other video... great advice... Thanks ;-)
You have To call and set up that extra payments go to principal and not paying ahead monthly payment.