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.

First rate presentation. I’m tracking all spending and saving about 800$ a month. It’s fun to be frugal.

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.

I'm cooking lentils & eggplant soup for 2 lunches and rest in the freezer for next week.

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.

Great job! Let’s making saving and minimal spending normalized!!

I plan my expenses on my memo pad. Spend every morning reviewing and double-check. Check my banking every day like clock work.

Thanks, you are such a genuine person and it gives credability to your very good advice of managing money.

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😉

That is why i paid cash for my car. Not having to make a payment every month is terrible.😊😊

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.

Paid my entire vacation cash, start a year ahead budget monthly.

Just paid rent today and i hit $0, hoping for extra income this new month.

Video about simplifying life and decluttering please! 😊

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!

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.❤

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..😊

You are great at encouraging and motivating me! Thank you so much! ❤

Love you so much Jennifer! By the way, you look beautiful today! I’ve listened to you for years, please keep the videos coming!!!! ❤️❤️❤️

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.

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.

Problem 9 hit me so hard... I knew the basics... but this was major. Thank you for opening my eyes.

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!

Just found your channel, really enjoying your content.

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 🎉

Your stuff is different than everyone else's! Thank you for putting so much thought into it

I would love to see how you do your budget. Thanks for your insight.

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.

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

I’ve been doing food delivery for almost a year now. 👍🏻👍🏻

The dodge ball example was great! Good suggestions!

I Love your Videos practical information Thanks Jennifer 👍

Thank you❤

Your accent is cute and your videos are comforting! Thank you 🌹 determined to use these tips

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!

thank you ❤

I love that these are all true - helpful but realistic. No unnecessary hyping of saving tips.

Very helpful- Thank you so much Jennifer♥

I am budgeting for new tires by the end of the year.

I’m interested in learning more about your organization tips

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.

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.

Those who fail to plan. Plan to fail.

Thank you for the sound advice you are giving on your channel!

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.

😊 thank you

Hi Jennifer, have a happy Sunday and a happy week. As usual, I enjoyed your video.

So to the point no wasted talking Thanks so much

please, can you make a video about organising. thanks

Thank you Jennifer!

I believe that a lot is the immediate gratification entitlement. I want it now.

My first time here and I love you already thank u❤

Great job ❤❤❤😊😊😊

thank you

Budgetting is truly essential!

Thank you

Jennifer your skin is amazing. What skin care products do you use and what is your skin care routine like?

Your videos are always helpful

Great info!

100%correct

EXCELLENT VIDEO ‼️

Wow this was great. Thank you!

Very good advice!

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.

This is an exceptional video! You now have a new subscriber. Thank you for sharing 👏🏾

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!!

Good tips

Love Zig Ziglar quote! You made so many good points and gave so many good suggestions. Thank you😊

Am learning to squirrel money away it was long time over due at my big age!

Awesome video. Such amazing insight and guidance. As usual. Thanks Jennifer!

First rule : make more money!!!

Great insight

Have no spent day, week or month.

I ❤ the dodge ball analogy. Thank you so much for your videos.

Thanks ❤

Great video, practical information that is relevant and relatable.

I have never lived paycheck to paycheck, and I pray to god that never happens to me! 🙏🙏

Thank you for the tips

I like your videos!!

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.

I enjoy all of your videos

Also, I’d love to see a video on simplifying and decluttering.

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.

If where I live would pay at least 15/hr I wouldn’t be behind the 8 ball.

So grateful for this video❤

Very pertinent and important information at any level! Thanks! That was great❤

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?

Excellent, helpful information! You are getting closer to your 2024 payoff goal!! Happy for you!😊

How should I do my budget in excel or world document? Sincerely, Andrew Wiggins

Hi Jennifer! Great informative video as always.

Please do video about organisation 🙏

This video helps me out a lot; thank you Jennifer

Love your tips!

The unknown is way scarier than the known.

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

Good video

❤

You should have more likes!!!!!! Good helpful information 💯

Love your tips so helpful

I definitely am interested in optimizing life. ⭐️