Uploaded April 2026 | Updated September 2026, 2 weeks ago
Follow Kristie on TikTok: tiktok.com/@kristies_debtfreejourney
Follow Kristie on YouTube: @Kristies_DebtFreeJourney
The TTT video Kristie was in: youtu.be/oQjD9u0IXb8?si=BMTDH9xVRy290sx1
Financial Coaching: debtoverit.com/coaching
Join my community: skool.com/budget-build-1523/about
Create a Budget: youtu.be/LSPkfdOzbb0
Prefer Pen & Paper? Check out this video: youtu.be/yxjZ5aWbfcc
First Friday Finance Newsletter: subscribepage.io/tFb6gt
Debt-Free Blueprint Course: debtoverit.thinkific.com/courses/debt-free-blueprint
ETSY SHOP: personalfiwithleila.etsy.com
Money Blog: DebtOverIt.com
💵 Support me: buymeacoffee.com/leilak
💰 Venmo: @DebtOverIt
00:00 intro
03:32 About Kristie (age, work, income)
11:28 Breakdown of her current debts
13:30 Her goals around paying off debt
15:01 How she got into her debt
16:39 Her highest point of consumer debt
18:36 Her turning point
19:37 Her minimum payments
20:08 What she changed starting her journey
20:57 Her decision to not file bankruptcy
25:31 How she decided the order to tackle her debts
27:26 Her credit score
28:19 The strategies she's implemented
31:26 Hardship programs
35:00 Her balance transfer experience
39:20 Her monthly spend
41:44 What she's struggled with
44:48 Positive habit changes
46:19 Why she started TikTok
50:32 Dealing with negative comments
52:29 UGC creation, apps she uses
55:44 How she makes time for content creation
56:68 What she's excited about after debt
57:42 Advice for others in a similar situation
59:52 Where to find her
________________________________________________________________________
*ACCOUNT BONUSES*
💻 Marcus by Goldman Sachs HYS Account: marcus.com/share/LEI-VSR-SXB6
Earn .25% cash bonus over 3 months
💳 Chase Sapphire:
referyourchasecard.com/19u/H7PRO2HWTF
60,000 bonus points after spending $4K in first 3 months
💳 CapitalOne VentureX: https://capital.one/3Wwtjuy
75,000 bonus miles after spending $4,000 in first 3 months
Unlimited 2X miles
💳 AMEX Blue Cash Preferred: americanexpress.com/en-us/referral/blue-cash-preferred-credit-card?ref=LEIlAKmepB&xl=cp10o6
Earn $300 after you spend $3,000 in first 6 months
6% on groceries, 3% on gas
💳 DiscoverIt: refer.discover.com/leilakartforosh7!f06e9dce80!a
Earn $100 after making a purchase in your first 3 months
💳 Chase Freedom:
referyourchasecard.com/18d/3ZIXFA085U
Earn $200 after spending $500 in first 3 months
5% cash back on gas and groceries for 1 year
No annual fee
💳 CapitalOne Venture One: https://capital.one/2J8kqHJ
20,000 miles after spending $500 in first 3 months
1.25 miles per $1 spent
No annual fee
💳 Chase Checking ($400 bonus): accounts.chase.com/raf/share/3143936885
💳 Capital One 360 Checking: https://capital.one/3RUX1a8
Open an account, set up and receive direct deposit and earn $50
*MAKE MONEY*
🌟Rakuten (earn $20): rakuten.com/r/LEILA426?eeid=28187
🌟BeFrugal: befrugal.com/rs/FHQMQKM
🌟IBotta: ibotta.com/r/85zng
🌟Fetch app: Use my code EJH9Y for 2,000 points
🌟Upside (gas, restaurants) - $5 bonus: debtoverit -- upside.sjv.io/c/4802566/3371780/39811?param1=debtoverit
*SIDE HUSTLE RESOURCES*
🪧 Create custom stickers ($10 store credit): stickermule.com/unlock?ref_id=9961412701&utm_medium=link&utm_source=invite
💻 Start your own website: siteground.com/recommended?referrer_id=7614416
Get 3 months free + 75% off your first year
🧾 Learn how to sell digital products on Etsy: leila711--gold-city-ventures.thrivecart.com/etsy-printables
💻 Create a Course! Teachable Launch Accelerator Challenge: teachable.sjv.io/c/2709068/1593958/12646
____________________________________________________________________
MY LIFESTYLE CHANNEL: @LivinglikeLeila
GOAL ACHIEVEMENT COURSE: livinglikeleila.teachable.com/p/goal-achievement-by-shifting-your-identity-and-creating-effective-systems
SELF-DISCIPLINE COURSE: livinglikeleila.teachable.com/p/the-complete-guide-to-self-discipline
CHECK OUT MY BLOG:
livinglikeleila.com
I N S T A G R A M : instagram.com/livinglikeleila
Camera I use (Canon EOS M50): amzn.to/2KpcE9k
Microphone I use: amzn.to/2KI43zU
Handheld Mics: amzn.to/3NYWTa3
Business inquiries: contact@debtoverit.com
*The links above may be affiliate links. This just means that if you make a purchase through one of the links, I make a small commission at no extra cost to you. I appreciate the support!
DISCLAIMER: I am not an expert or a financial advisor. I simply love talking about finances and want to share my journey to financial freedom and help others along the way!
Follow Kristie on TikTok: tiktok.com/@kristies_debtfreejourney
Follow Kristie on YouTube: @Kristies_DebtFreeJourney
The TTT video Kristie was in: youtu.be/oQjD9u0IXb8?si=BMTDH9xVRy290sx1
Financial Coaching: debtoverit.com/coaching
Join my community: skool.com/budget-build-1523/about
Create a Budget: youtu.be/LSPkfdOzbb0
Prefer Pen & Paper? Check out this video: youtu.be/yxjZ5aWbfcc
First Friday Finance Newsletter: subscribepage.io/tFb6gt
Debt-Free Blueprint Course: debtoverit.thinkific.com/courses/debt-free-blueprint
ETSY SHOP: personalfiwithleila.etsy.com
Money Blog: DebtOverIt.com
💵 Support me: buymeacoffee.com/leilak
💰 Venmo: @DebtOverIt
00:00 intro
03:32 About Kristie (age, work, income)
11:28 Breakdown of her current debts
13:30 Her goals around paying off debt
15:01 How she got into her debt
16:39 Her highest point of consumer debt
18:36 Her turning point
19:37 Her minimum payments
20:08 What she changed starting her journey
20:57 Her decision to not file bankruptcy
25:31 How she decided the order to tackle her debts
27:26 Her credit score
28:19 The strategies she's implemented
31:26 Hardship programs
35:00 Her balance transfer experience
39:20 Her monthly spend
41:44 What she's struggled with
44:48 Positive habit changes
46:19 Why she started TikTok
50:32 Dealing with negative comments
52:29 UGC creation, apps she uses
55:44 How she makes time for content creation
56:68 What she's excited about after debt
57:42 Advice for others in a similar situation
59:52 Where to find her
________________________________________________________________________
*ACCOUNT BONUSES*
💻 Marcus by Goldman Sachs HYS Account: marcus.com/share/LEI-VSR-SXB6
Earn .25% cash bonus over 3 months
💳 Chase Sapphire:
referyourchasecard.com/19u/H7PRO2HWTF
60,000 bonus points after spending $4K in first 3 months
💳 CapitalOne VentureX: https://capital.one/3Wwtjuy
75,000 bonus miles after spending $4,000 in first 3 months
Unlimited 2X miles
💳 AMEX Blue Cash Preferred: americanexpress.com/en-us/referral/blue-cash-preferred-credit-card?ref=LEIlAKmepB&xl=cp10o6
Earn $300 after you spend $3,000 in first 6 months
6% on groceries, 3% on gas
💳 DiscoverIt: refer.discover.com/leilakartforosh7!f06e9dce80!a
Earn $100 after making a purchase in your first 3 months
💳 Chase Freedom:
referyourchasecard.com/18d/3ZIXFA085U
Earn $200 after spending $500 in first 3 months
5% cash back on gas and groceries for 1 year
No annual fee
💳 CapitalOne Venture One: https://capital.one/2J8kqHJ
20,000 miles after spending $500 in first 3 months
1.25 miles per $1 spent
No annual fee
💳 Chase Checking ($400 bonus): accounts.chase.com/raf/share/3143936885
💳 Capital One 360 Checking: https://capital.one/3RUX1a8
Open an account, set up and receive direct deposit and earn $50
*MAKE MONEY*
🌟Rakuten (earn $20): rakuten.com/r/LEILA426?eeid=28187
🌟BeFrugal: befrugal.com/rs/FHQMQKM
🌟IBotta: ibotta.com/r/85zng
🌟Fetch app: Use my code EJH9Y for 2,000 points
🌟Upside (gas, restaurants) - $5 bonus: debtoverit -- upside.sjv.io/c/4802566/3371780/39811?param1=debtoverit
*SIDE HUSTLE RESOURCES*
🪧 Create custom stickers ($10 store credit): stickermule.com/unlock?ref_id=9961412701&utm_medium=link&utm_source=invite
💻 Start your own website: siteground.com/recommended?referrer_id=7614416
Get 3 months free + 75% off your first year
🧾 Learn how to sell digital products on Etsy: leila711--gold-city-ventures.thrivecart.com/etsy-printables
💻 Create a Course! Teachable Launch Accelerator Challenge: teachable.sjv.io/c/2709068/1593958/12646
____________________________________________________________________
MY LIFESTYLE CHANNEL: @LivinglikeLeila
GOAL ACHIEVEMENT COURSE: livinglikeleila.teachable.com/p/goal-achievement-by-shifting-your-identity-and-creating-effective-systems
SELF-DISCIPLINE COURSE: livinglikeleila.teachable.com/p/the-complete-guide-to-self-discipline
CHECK OUT MY BLOG:
livinglikeleila.com
I N S T A G R A M : instagram.com/livinglikeleila
Camera I use (Canon EOS M50): amzn.to/2KpcE9k
Microphone I use: amzn.to/2KI43zU
Handheld Mics: amzn.to/3NYWTa3
Business inquiries: contact@debtoverit.com
*The links above may be affiliate links. This just means that if you make a purchase through one of the links, I make a small commission at no extra cost to you. I appreciate the support!
DISCLAIMER: I am not an expert or a financial advisor. I simply love talking about finances and want to share my journey to financial freedom and help others along the way!
