What’s one way that you’ve simplified your finances? 🤍

Yes on the credit cards! Have one or two, pay them off each month and get rid of those high interest store brand cards. My husband and I have one credit card and no credit card debt. It's freeing. Also daily pointless spending adds up. The daily coffee or smoothie or eating out. Scale that back or eliminate it and watch the money grow in your account. You can absolutely live without it.

You can make it less impulsive to shop online in order to stop spending on things you may not need. Instead of saving your billing information, input your shipping address and credit card number each time you order. You’ll probably make fewer impulse purchases because of the extra work involved.

Love this video Ashlynne! With the rising gas prices and grocery prices, simplifying my finances is going to be so important. It's time for me to sit down and revisit that spreadsheet. :)

Closing a credit card will affect your credit negatively. Just cut it up and throw away the credit card # so you can't use it. Not using it will affect your credit positively but very slowly, compared to using it and paying it off ASAP. That shows that you can have credit in your name but be responsible with how you use it. I'm from Canada.

We became debt free a year ago. What freedom!

This is the best tip ever! To transfer some to savings the same day as you get paid. I think this will have the greatest impact on saving! thank you so much!

I started keeping track of what I spend a few years ago. Now that retirement is getting closer, it is a very concrete detail we need (because 4% of your investments are supposed to pay your expenses for one year and that last for 30 years. However, inflation may be changing that. :( We also try to buy cash for used cars. We have fisherman and hunters in our family so get a lot of free meat, which helps us to stretch our grocery budget a LOT! I try to keep my house warmer in the day while I'm home alone and then turn the A/C up in the evening when the rest of my family gets home. One of them works outside so the A/C is refreshing for him. Also, we have used credit card intro offers to take free vacations, free hotels, flights, etc. It has been a huge help!

Becoming debt free is our short-term goal!

When I was working for 35 years I had an auto deduction for my investments & learned to live on the rest of my salary - about 90 %. One needs to do this for many years and stay in for the long haul in order to have a nice nest eggs at retirement . Also, I agree that it's better just to pay a financial advisor to manage your investments. Choose a " big name " company _ I mean really big for that. Many of the very small operators are using the fees to pay themselves . The big operators pay the investment managers a salary so they are not on a commission looking out for them selfs before you - one knows how that can go.

You are such a responsible amazing young lady - well done xx

A nice new video and you’re so beautiful and 300K subscribers is coming soon, Ashlynne!❤️❤️🌸🌸

great video! but one thing I would note is if you close your oldest credit card, the credit history will also close along with it. a long credit history is useful when applying for future mortgage, for example, so be careful with this!

I totally agree about getting rid of a lot of credit cards, closing those accounts and pay in full each month. If you can't pay it off each month (with very little exceptions) then you can't afford whatever you are buying. Or simply, pay in cash/debit card. Investing, even in your 20's is a very smart idea. Learn to live off of less than you make.

0:54 Two Goal Rule 2:49 Have One Account In Each Category like one for personal banking, one business account and one for investment 3:39 Invest A Lot In Little 4:45 Delegate Taxes 5:34 Automate Investing (Pay Yourself Method) 6:22 Limit cards 7:43 Set Up Autopay 8:16 Close Old Account 8:46 Go Paperless 9:23 Track It All In One Place

Have you ever considered reading books for Audible? You'd be good at that 😁

Some great points!

Une vidéo excellente bravo ashlynne 😊😊👍

I personally never understood why people get credit cards. I've never owned one and only used debit cards since I believe you should only buy things you have the money for. Also I know there are people that assume you need credit history (so a credit card) in order to get a high value loan or a mortgage but based on my experience, that is not true. My bank was happy to give me a mortgage without any credit history, just based on the fact that I've seen saving money consistently for years and paying for rent (which proved I pay for my stuff on time and still manage to set money aside).

Great video. Great inputs. Thank you.

Love your tips

Great video!!!!

Was just after a video like this!

Closing old credit card accounts will downgrade your credit score, the best is to keep the credit cards and not use it. I know it seems counterproductive but if you are planning to buy a house it might not be in your interest to have a bad credit score, you can get your morgage loan denied. (My husband had no credit cards and was asked by the bank to get one so he could have a credit history otherwise they wouldn't get us a loan).

Nice video

I have only have 2 debit cards due to having 2 bank accounts because of areas I've lived in before didn't have banks for the accounts I had and then I only have a credit card due to my fiance giving me one from his account for emergency when we aren't around each other and something happens. 🙃

I am Elisa Gomez and I what's to know about how to do. Budget plan ing. For. Keeping track . Items for cooking

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Even with the economic fluctuation, I’m so excited I’ve been earning $45,000 from my $10,000 investment everyday 10days...