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welcome back to my channel I am Christy van with fantastic finances and I teach velocity banking today weamp;#39;re going to be discussing a lady that has a zero cash flow yet she wants to begin debt elimination so rather than go out and pick up a pizza delivery job or any other second job or changing her lifestyle we wanted to give her solutions that could help her begin today on getting rid of some of her debt and raising her credit score at the same time so she has an income of three thousand dollars but her expenses are three thousand dollars so that leaves her with a zero cash flow she has a credit card that has a ten thousand dollar balance on it already so itamp;#39;s to its limit with a four hundred dollar a month payment now her rent is one thousand dollars and besides that everything else she has for expenses can go on a credit card that being her electric bill phones water uh food gas and car insurance Etc so anything that can go on a credit card she is going to put it on