Fixed expenses, grocery & household spending, quarterly bills, yearly bills. Maintain Savings and emergency funds. Retirement funds. No credit card debt, pay off your cards in full if using them. This is just the simple plan we use.
@THEJENNIFERCOOK Жыл бұрын
❤️
@donaldlyons17 Жыл бұрын
Sounds like there are two of you. So I think it is safe to say if there are two incomes fixed cost should be cheaper.
@cottoncandiez8872Ай бұрын
Simple doesn't always mean easy
@andrewminjiras574511 ай бұрын
First rate presentation. I’m tracking all spending and saving about 800$ a month. It’s fun to be frugal.
@gladyschandler6724 Жыл бұрын
Yes, I plan. Spent a few minutes every day. I've already booked and paid $800 towards a vacation in April 2024. And I know what vacation I want to take in 2025.
@gladyschandler6724 Жыл бұрын
I'm cooking lentils & eggplant soup for 2 lunches and rest in the freezer for next week.
@samckitty4906 Жыл бұрын
At work; we were short staffed so I worked 6 days a week, I had no trouble getting by with what I was bringing home, but once we were fully staffed I lost the 8 hrs of overtime. Now I can’t buy groceries without putting myself in the hole. I have cut spending every where to squeeze $80 out for groceries and I still end up in the hole. I start a new part time job in two weeks where I will work 6 to 8 hours hopefully it will help.
@THEJENNIFERCOOK Жыл бұрын
You are making moves to get where you need to be. Keep it up. It will all work out, and the determination will be worth it. I know you can do it. Hugs 🤗
@ninijellybeanie6853 Жыл бұрын
Great job! Let’s making saving and minimal spending normalized!!
@THEJENNIFERCOOK Жыл бұрын
Yes!
@gladyschandler6724 Жыл бұрын
I plan my expenses on my memo pad. Spend every morning reviewing and double-check. Check my banking every day like clock work.
@helenawalter24684 күн бұрын
Thanks, you are such a genuine person and it gives credability to your very good advice of managing money.
@wilmavpijkeren-raayen4482 Жыл бұрын
This is so true, i'm almost 61 and lived almost my hole adult life in debt. I'n our family it was "normal" The last few years where debtfree and working hard to stay debtfree and having a healty financiël safetynet so we can helpout someone in need without falling back into debt. Wish we saw "the light"😂 earlier in life, it would have safed us a lot off sleepless nights😉
@THEJENNIFERCOOK Жыл бұрын
Try not to regret the past because now you have experience knowing the difference. It feels amazing being debt free! 🤗
@wilmavpijkeren-raayen4482 Жыл бұрын
@@THEJENNIFERCOOK i don't regret a thing, my first husband dyed 20 years ago...we made some awsam memories with that money😘
@arthurmantzouris44137 ай бұрын
That is why i paid cash for my car. Not having to make a payment every month is terrible.😊😊
@gladyschandler6724 Жыл бұрын
A few years ago, I did quite a few off the books money - babysitting, accounting & organizing. I did my travel tea parties. I even moved in with a family and paid for my housing by babysitting and cooking. It also helped me pay my debts and helped me save.
@THEJENNIFERCOOK Жыл бұрын
Great job!
@angepenniman Жыл бұрын
What are travel tea parties?
@gladyschandler6724 Жыл бұрын
@@angepenniman I do tea parties at your home with English tea sets, scones, sandwich s & pastries
@LocFitnessMama11 ай бұрын
@@gladyschandler6724that is so unique and sounds fun
@gladyschandler6724 Жыл бұрын
Paid my entire vacation cash, start a year ahead budget monthly.
@user-nu8ny2ok6x Жыл бұрын
Just paid rent today and i hit $0, hoping for extra income this new month.
@meganwildeman7587 Жыл бұрын
Video about simplifying life and decluttering please! 😊
@THEJENNIFERCOOK Жыл бұрын
🤗
@floraramos642211 ай бұрын
Oh my Lord! This is the best motivational video I have listened too since I started wanting to be in control of my money! I am so in debt, and I have done every mistake you talked about and it just hit home and it really opened up my eyes and my mind! Thank you for the best video ever!
@THEJENNIFERCOOK11 ай бұрын
Thank you so much! That really means a lot to me 🤗 You've got this! Hang in there and stay focused.
@tressalewis7004 Жыл бұрын
Why oh why do we think we deserve something? Do we really deserve something? What did we do to cause us to deserve something over someone else? This drives me crazy, thank you for mentioning it.❤
@barbaramatarazzo4269 Жыл бұрын
I remember when I was in my thirtys and married raining a daughter and just having so much debit that I had to claim bankruptcy it was so upsetting I lost my credit and my dignity my husband's not much of help at that time.But today years later my credit it 800 no debit I own my home work and today I can say I did it alone yes it was not ez but I work a full time overtime and part time job as well and just stuck to it..😊
@THEJENNIFERCOOK Жыл бұрын
Barbara, what amazing determination and work ethic! Thank you for sharing this 🤗
@deborahmcmichen51917 ай бұрын
You are great at encouraging and motivating me! Thank you so much! ❤
@THEJENNIFERCOOK7 ай бұрын
You are so welcome!
@staciethomas14037 ай бұрын
Love you so much Jennifer! By the way, you look beautiful today! I’ve listened to you for years, please keep the videos coming!!!! ❤️❤️❤️
@THEJENNIFERCOOK7 ай бұрын
Stacie, you are so sweet! Thank you so much for your kind words 🤗 I hope you and your family are having a wonderful New Year ❤️
@staciethomas14037 ай бұрын
Lost my mom, but family is here. Family is so important. ❤️ Thank you for all you do. I really appreciate your research and all you do to put for your videos. I listen to them always. Love you. Stacie
@gladyschandler6724 Жыл бұрын
I don't spent much on holiday gifts since I'm moved to Texas from California most if my friends are in CA. I already have little meaningful gifts for my friends.
@kenyonbissett351210 ай бұрын
Possible way to get a second income is if you commute into a city, sign up with Uber/Lyft and pick up people headed in your direction to cut commute/parking costs. Or if you live near a Amazon hub sign up to drop off a few packages that are on your way home. Hope this helps someone.
@Degdreams5 ай бұрын
Problem 9 hit me so hard... I knew the basics... but this was major. Thank you for opening my eyes.
@lauraweinbrenner6 Жыл бұрын
I would always welcome more information on how to budget; specifically if we aren't in debt (other than our mortgage), and we pay off our CC's every month, but we don't save anything. So many videos talk about being in debt, but no one addresses this type of situation when you aren't really in debt, but you aren't saving either. Just evening out. Thanks!
@THEJENNIFERCOOK Жыл бұрын
Thank you, Laura! I will work on a video to discuss saving and the next steps.
@joycewatt828911 ай бұрын
You just have to make a decision to save. Period! It seems just that simple but it actually is. We make money way more complicated than it is. Just like you decided to get out of debt 💸 and did it Just do it when it comes to saving. By the way, once you are debt free you should have more money to save. If you don’t you’re doing something wrong. Maybe overspending in an area that you aren’t considering. Don’t put you finances on auto pilot. You be the pilot that directs the plane. It’s my opinion but I hope that helps.
@annadavis63617 ай бұрын
Believe it or not using those credit cards doesn’t help. Paying them off monthly isn’t the best thing, not using is best. Trust me, you are spending more money using credit.
@Sunkist52mj8 ай бұрын
Just found your channel, really enjoying your content.
@THEJENNIFERCOOK8 ай бұрын
Thank you so much!
@kimbo62 Жыл бұрын
Hi!! You were actually talking about me when you mention point number 10!!! I want it sooo much but i have afew coffee in the fancy shop and then get food out and think i will start next month 😮...this cant go on I dont wsnt to me 'stuck' like this anymore!!! Time to get organised 🎉
@THEJENNIFERCOOK Жыл бұрын
You can do this! Step one is identifying the change you want to make. Now you can put it into action! 🤗
@TT-nj3um11 ай бұрын
Your stuff is different than everyone else's! Thank you for putting so much thought into it
@TeresaOwen-rt1sb Жыл бұрын
I would love to see how you do your budget. Thanks for your insight.
@THEJENNIFERCOOK Жыл бұрын
🤗
@mayyang8350 Жыл бұрын
It was a beautiful morning listening to your video as I did my chores around the house. It really affirms to me that I am heading in the right direction. You are definitely part of my tribe.
@THEJENNIFERCOOK Жыл бұрын
May, that makes me smile! Hugs 🤗
@Silverstar25711 ай бұрын
Your voice is so soothing! You’re like the sister I need that tells me to get my sh*t together in a loving way, lol
@THEJENNIFERCOOK11 ай бұрын
Aww... thank you so much! 🤗
@CathieG5 ай бұрын
I’ve been doing food delivery for almost a year now. 👍🏻👍🏻
@stephanielitz5102 Жыл бұрын
The dodge ball example was great! Good suggestions!
@THEJENNIFERCOOK Жыл бұрын
Stephanie, thank you so much! I am glad you connected with that analogy 🤗
@anitanava6070 Жыл бұрын
I Love your Videos practical information Thanks Jennifer 👍
@THEJENNIFERCOOK Жыл бұрын
You are so welcome! 🤗
@sherriewagner17378 ай бұрын
Thank you❤
@THEJENNIFERCOOK8 ай бұрын
You're welcome 😊
@meredithvalentina96917 ай бұрын
Your accent is cute and your videos are comforting! Thank you 🌹 determined to use these tips
@THEJENNIFERCOOK7 ай бұрын
Meredith, thank you so much! 🤗
@angelwings1 Жыл бұрын
I’m glad you mentioned the flea story. It makes a lot of sense to me. We are limiting ourselves. We don’t think we can save much money when in fact we are able to. We just don’t believe that we can do it!
@THEJENNIFERCOOK Жыл бұрын
Exactly! I am glad the flea story helped 🤗
@camillegrajo1919 Жыл бұрын
thank you ❤
@pompokkko Жыл бұрын
I love that these are all true - helpful but realistic. No unnecessary hyping of saving tips.
@THEJENNIFERCOOK Жыл бұрын
Kina, thank you so much! 🤗
@CeCeCanapee6 ай бұрын
Very helpful- Thank you so much Jennifer♥
@gladyschandler6724 Жыл бұрын
I am budgeting for new tires by the end of the year.
@totit_t1445 Жыл бұрын
You don't have to buy Michelin.
@gladyschandler6724 Жыл бұрын
@@totit_t1445 I don't I buy Goodyear
@SHERRILOWE-wz4lg5 ай бұрын
I’m interested in learning more about your organization tips
@christabellecarpenter2354 Жыл бұрын
I've been doing the money envelopes since 2020....which helped alot. I write on the envelope what it's for and how much goes in weekly. Life style creep can still be an issue....I have started an ebay store to get rid of extra stuff and have sold a few things. Also went back to eating more potatoes and eggs, than meat based things. If I see flat bread pizzas on sale that are about to go bad, I buy them all and freeze them. Then take them out 1 at a time, which will cover 2 meals because I cut them in half and cook them in a toaster oven. My debt went way down since 2020. Now I have a house payment because I had a tiny house built so my debt literally looks the same as it was precovid. But instead of owing $74,000 in CC debt, I owe maybe $32,000 in CCs, and $33,000 on my tiny house. So my debt load is better and half as much on the revolving side as it was in 2020. No car payment. I am paying a disaster loan back my business got after the shutdown, which I wouldn't take out if I had it to do over. But in 2020, I had to take it to prevent bankruptcy. That disaster loan literally does feel like I'm robbing my future self. But it has allowed me to right alot of things that were tipsy 3 yrs ago.
@catherinecorn2371 Жыл бұрын
Sometimes life just deals you some rotten eggs. 🤷 You cannot control if before your first check at the fancy great job sees your child in 2 emergency rooms and a week in the hospital followed by hundreds of extra dollars spent monthly to keep them alive.... Money that could have been a change but it's not now. and there are a million other scenarios.
@donaldlyons17 Жыл бұрын
Yeah and what about those who are under employed for their expenses. I used to live with 3 other and between the 3 of them I was the only one that "made enough."
@katresealexander1311 Жыл бұрын
Those who fail to plan. Plan to fail.
@inessullivan5889 Жыл бұрын
Thank you for the sound advice you are giving on your channel!
@THEJENNIFERCOOK Жыл бұрын
You are so welcome! 🤗
@bonesb76862 ай бұрын
Set my budget based on expenses. Make sure income more than budget. Everything above the baseline into savings and sinking funds. Raisex just mean I save more.
@analorenawedemeyer939 ай бұрын
😊 thank you
@lindamcteer Жыл бұрын
Hi Jennifer, have a happy Sunday and a happy week. As usual, I enjoyed your video.
@THEJENNIFERCOOK Жыл бұрын
Hi Linda, I hope you are having a great summer! It is really a hot one this year. Stay cool 🤗
@paulom1315 Жыл бұрын
So to the point no wasted talking Thanks so much
@THEJENNIFERCOOK Жыл бұрын
Thank you 🤗
@theplayzs73410 ай бұрын
please, can you make a video about organising. thanks
@preparingformountainlife Жыл бұрын
Thank you Jennifer!
@THEJENNIFERCOOK Жыл бұрын
Thank you! I hope you have a wonderful week 🤗
@preparingformountainlife Жыл бұрын
@@THEJENNIFERCOOK You too!
@Mamadriggs Жыл бұрын
I believe that a lot is the immediate gratification entitlement. I want it now.
@TomikaAshanti Жыл бұрын
My first time here and I love you already thank u❤
@THEJENNIFERCOOK Жыл бұрын
Welcome! Thank you so much for watching the video 🤗
@wandahall4435 Жыл бұрын
Great job ❤❤❤😊😊😊
@THEJENNIFERCOOK Жыл бұрын
🤗
@ShoppingwithRina Жыл бұрын
thank you
@justysiakowa10 ай бұрын
Budgetting is truly essential!
@THEJENNIFERCOOK10 ай бұрын
100%
@texastanglerssalon673311 ай бұрын
Thank you
@THEJENNIFERCOOK11 ай бұрын
🤗
@amymccarthy5304 Жыл бұрын
Jennifer your skin is amazing. What skin care products do you use and what is your skin care routine like?
@THEJENNIFERCOOK Жыл бұрын
Hi Amy, thank you so much! For about 5 years I have been using the same two items. I use Neutrogena Oil Free Acne Wash and Cerave Skin Renewing Night Cream. It wasn't until I simplified my routine that my skin cleared up. I also drink a lot of water.
@amymccarthy5304 Жыл бұрын
I also have to use oil free products. I like Image products and have been so good with my fave routine - morning and night. I do, however have large pores genetically. You have beautiful skin, it glows. It’s great that you’ve found a nice simple routine that works for you. Thank you for sharing and answering. Great video also 🤗
@amymccarthy5304 Жыл бұрын
* face routine not fave routine 😊
@gladyschandler6724 Жыл бұрын
Your videos are always helpful
@TigerG16 Жыл бұрын
Great info!
@wellnesscanceradvocate856411 ай бұрын
100%correct
@THEJENNIFERCOOK11 ай бұрын
🤗
@dianec690 Жыл бұрын
EXCELLENT VIDEO ‼️
@THEJENNIFERCOOK Жыл бұрын
Diane, thank you so much! 🤗
@freeatlastshabazz498 Жыл бұрын
Wow this was great. Thank you!
@THEJENNIFERCOOK Жыл бұрын
🤗
@tammysturm9701 Жыл бұрын
Very good advice!
@THEJENNIFERCOOK Жыл бұрын
Tammy, thank you! 😊
@brendasparks6234 Жыл бұрын
Yes, please do one about organizing that would be great. You keep not notifying on your new ones on my KZfaq for some reason. I just love listening to you and your advice. It’s so good thank you.
@THEJENNIFERCOOK Жыл бұрын
Hi Brenda, thanks so much! ❤️
@annjean8709 Жыл бұрын
This is an exceptional video! You now have a new subscriber. Thank you for sharing 👏🏾
@THEJENNIFERCOOK Жыл бұрын
Ann, welcome! Thank you so much for watching the video 🤗 Have a wonderful weekend!
@fabavb Жыл бұрын
You sound great. It seems like you have gained a lot of confidence and stamina. And you hit that topic right on. Congratulations! Awesome video!!
@THEJENNIFERCOOK Жыл бұрын
Thank you so much! 🤗
@donnafleisher5 ай бұрын
Good tips
@marynorris8164 Жыл бұрын
Love Zig Ziglar quote! You made so many good points and gave so many good suggestions. Thank you😊
@THEJENNIFERCOOK Жыл бұрын
Mary, thank you so much! 🤗
@Tune2dis414 ай бұрын
Am learning to squirrel money away it was long time over due at my big age!
@libbysworld7649 Жыл бұрын
Awesome video. Such amazing insight and guidance. As usual. Thanks Jennifer!
@THEJENNIFERCOOK Жыл бұрын
Libby, thank you for your kind words! Have a wonderful week 🤗
@thetruthsayer8347 Жыл бұрын
First rule : make more money!!!
@virginiadugan7852 Жыл бұрын
Great insight
@gladyschandler6724 Жыл бұрын
Have no spent day, week or month.
@jomarkov2613 Жыл бұрын
I ❤ the dodge ball analogy. Thank you so much for your videos.
@THEJENNIFERCOOK Жыл бұрын
Fantastic! Thanks so much 🤗
@martinmusokem5765 Жыл бұрын
Thanks ❤
@cynthiafailor3962 Жыл бұрын
Great video, practical information that is relevant and relatable.
@hhjhj3935 ай бұрын
I have never lived paycheck to paycheck, and I pray to god that never happens to me! 🙏🙏
@yannickmichaud30635 ай бұрын
Let me tell you, it's a bloody nightmare that doesn't seem to have a damn end !
@thebusybees2006 Жыл бұрын
Thank you for the tips
@THEJENNIFERCOOK Жыл бұрын
Thank you! 🤗
@thebusybees2006 Жыл бұрын
@@THEJENNIFERCOOK You’re welcome
@angelahayman5405 Жыл бұрын
I like your videos!!
@THEJENNIFERCOOK Жыл бұрын
Angela, thank you! 🤗
@Thomas63r25 ай бұрын
Living paycheck to paycheck is most commonly learned from growing up in a paycheck to paycheck family. A great many people think their budget is stretched to the bone without any room - until maybe they find someone with less money only spending $1 to $2 a day total on their food. Spending $10 on one fast food meal may seem bare bones - but for some that is their total spent for a week on food. Jennifer speaks the truth. Make the changes you need to gain control over your money. I have a tip that might help people: be diligent on returning things to the store for a refund. A lot of people don't return the things they didn't use or don't need, or that were simply bad items. If I buy a package of maple bacon jerky on a whim and hate the flavor, I will return it. If I buy several pieces of wood at a home center and do not use all of it, I will return the unused pieces. All those small refunds can quickly become a $100 or more back into my monthly budget. Its better of course to be more careful or intentional in your purchases - but until you learn that skill, do not be shy about returning mistake purchases.
@angepenniman Жыл бұрын
I enjoy all of your videos
@THEJENNIFERCOOK Жыл бұрын
Angelique, thank you so much 🤗
@TeresaOwen-rt1sb Жыл бұрын
Also, I’d love to see a video on simplifying and decluttering.
@THEJENNIFERCOOK Жыл бұрын
🤗
@margaretlowans8429 Жыл бұрын
I've always saved money for bills. In fact i have a separate bank account just for bills and i save the same amount from every paycheck.
@THEJENNIFERCOOK Жыл бұрын
Margaret, that is a smart idea!
@ceejay780311 ай бұрын
If where I live would pay at least 15/hr I wouldn’t be behind the 8 ball.
@Ardna5310 ай бұрын
So grateful for this video❤
@THEJENNIFERCOOK10 ай бұрын
🤗
@josephkaminer2337 Жыл бұрын
Very pertinent and important information at any level! Thanks! That was great❤
@THEJENNIFERCOOK Жыл бұрын
Thank you so much 🤗
@kitKatKing24Ай бұрын
My “excuse” is because I’m stuck at a dead end job and need a better paying job. I’ve worked for this same call center for going on 6 years since late 2018 and I only make $11.50 per hour and get paid every 2 weeks and now they’ve cut my hours down to 21 hours per week. Who can live on that income?
@1sense21 Жыл бұрын
Excellent, helpful information! You are getting closer to your 2024 payoff goal!! Happy for you!😊
@THEJENNIFERCOOK Жыл бұрын
Karen, thank you so much 🤗
@andrewwiggins79686 ай бұрын
How should I do my budget in excel or world document? Sincerely, Andrew Wiggins
@bakhytgul4457 Жыл бұрын
Hi Jennifer! Great informative video as always.
@THEJENNIFERCOOK Жыл бұрын
Thank you! 🤗
@zz-ic6vy Жыл бұрын
Please do video about organisation 🙏
@bondee5865 Жыл бұрын
This video helps me out a lot; thank you Jennifer
@user-qo4dh5bx4t Жыл бұрын
Love your tips!
@THEJENNIFERCOOK Жыл бұрын
Thank you so much!
@yolandaingram737811 ай бұрын
The unknown is way scarier than the known.
@Trahern100 Жыл бұрын
Dave’s way is the best way to go when tacking debt and credit even though he don’t like credit paying lump sums work well for me
@mistymorris838710 ай бұрын
Good video
@RowdyCatCam Жыл бұрын
❤
@macdavisiii172511 ай бұрын
You should have more likes!!!!!! Good helpful information 💯