15 Budgeting Tips for Your Daily Life/Saving Money Using a Budget
Рет қаралды 19,815
Күн бұрынI get these awesome emails from the Dave Ramsey team. Here are 15 budgeting tips for your daily life. MANY of these I use. I will go over what I do and also what I don't do. Budgeting has changed my life and I hope these tips for daily life are useful to you, dear viewer.
How to Set Up Everydollar (Quick Tutorial I Made for You!)
• How to Set Up Your Bud...
Welcome to the FRUGAL FAMILY! Please follow me on Instagram and TikTok for more!
SAVE MORE MONEY WITH THESE 3 CODES:
Have you tried HONEY? Automatically get the best deals when you online shop
COPY/PASTE my referral code: joinhoney.com/ref/hthn1so
RAKUTEN- Get free money and hook your friend up (me) up at the same time:) :)
Please USE MY CODE for Rakuten to get CASH BACK on your essential purchases.
www.rakuten.com/r/KATEKA350
MY FETCH REWARDS CODE (MY FAV GROCERY APP RIGHT NOW!)
WRDGU (copy and paste this as your referral to get extra points when you sign up!)
-thank you! www.fetchrewards.com
Become a member of the channel! (Your support means so much!)
/ @katekaden
Want to rock some KSquad gear with pride? Grab a hoodie, mug or KSquad tee! Thank you for your support!
teespring.com/stores/kate-kad...
BOOK OF THE MONTH FOR SEPTEMBER (Get it HERE:amzn.to/3mARMk2)
You are A Badass at Making Money by Jen Sincero (only doing ONE meeting-date TBA)
My email addy is: katekadenchannel@gmail.com (or for those of you that ask to buy me a coffee, this is also my Paypal. Thank you!)
Join the KSquad Email List For updates and more! mailchi.mp/cf53048a6b44/katek...
Want to send me snail mail?
My PO Box:
Kate Kaden
PO Box 1122
Biddeford, ME 04005
Links may be affiliates, which support my business at no additional cost to you. Thanks so much!
Discussed in this video: Dave Ramsey
www.ramseysolutions.com/budge...
#budgetingtipsfordailylife #daveramsey #budgettips
@cathykaden 2 жыл бұрын
I've learned budgeting from my grandma. 👍 When I was a child, she gave me a pen and a little notice book. And the most important tip, you need money for one washing machine. 👍 😍 😂 Greetings from OreMountains Germany. Cathy Kaden 🤩
@judymcpheron5955 2 жыл бұрын
Everyday I ask myself, how can I live more frugal friendly today? A day of non-spending is a small win for me. Happy- happy. Thanks Kate.
@paulashottesbrooke4400 2 жыл бұрын
I love a no spend day. I managed five days , i was elated.
@kathleenkline4622 2 жыл бұрын
I check my bank account first thing in the morning. Since the majority of my bills are autodraft, as soon as they come out they go on my budget app. I do carry a small amount of cash for purchases at places like the vegetable stand I buy fresh produce from...the amount spent comes out of my grocery section as soon as I get home. Big fan of tracking every penny!
@crazynance Жыл бұрын
My dad literally wrote the book on how to use zero-based budgeting. _Who's afraid of ZBB?_ Love it!!
@skipper2282 2 жыл бұрын
Shopping list on the fridge for when I run out of things.this way I can sit down Friday evening put everything in my app shopping cart and order once a week and not forget.
@smartypants1980 2 жыл бұрын
You are closer to how life is for me than All the Ramseys are to me
@joancollins6207 2 жыл бұрын
I take my own food to work, every shift. If I ever forget (never have, yet!), I keep a few cans of baked beans in my locker. Has saved me many $. And I truly enjoy my own food more than any bought, and expensive food. Thanks for all your tips and advice!
@roseo4094 2 жыл бұрын
You look so beautiful Kate! Thank you for today’s video... it hit all the points I needed. I’m sorry I was late...Not sure why I wasn’t alerted 🤨 Hi to Buns! 😍 Kate and our frugal family, have a wonderful weekend!
@mksugerman1500 2 жыл бұрын
I would like you to do a video on raising your credit score because when you pay off debt your credit score goes down. You need a decent credit score for insurance and many other things. We have very very little debt and don’t want to take out any loans but I would really appreciate an intelligent video about this subject. We all are not millionaires like Dave who wants you to have a credit score of zero. You are so intelligent and compassionate with excellent advice and we all appreciate it so much!
@SWC227 2 жыл бұрын
Every night I review what I’ve spent for the day. I write down what I spent whether it was a need or a want and then I review my needs versus wants on a weekly basis.
@teresateresa8933 2 жыл бұрын
You’re the first person who has said that about cash, I thought it was only me. When I use cash (only use when it’s all they will accept, so rare), but it doesn’t register in my brain the same way. It’s not tracked in my account so it’s easy to forget I made the purchase.
@cholulalv 2 жыл бұрын
Same for me
@grannyprepper1181 2 жыл бұрын
The one thing I do DAILY, check my bank account. I don’t like surprises or mistakes and we all make them. Don’t get several days into your week and try to figure out a mistake.
@alisonlittlewood4780 Жыл бұрын
When I make an expensive purchase, I imagine my bank manager watching on!! That usually brings me back to the budget.😊
@lexyg1693 2 жыл бұрын
I started off trying to do a no spend month....and I was doing pretty good up until my dog needed to go to to animal hospital for possible obstruction in her intestines....$577 later...
@carolrichardson6323 2 жыл бұрын
I usually almost always make my own coffee and instead of buying breakfast and lunch at work I buy or bring it or none at all. I stopped having to have my nails done, my lashes done etc. I focus on what's important to me. I keep bills visible and am now paying debt down as well as off. It feels amazing!!! Yaaaaaaay!!!
@KateKaden 2 жыл бұрын
Love this Carol!
@smartypants1980 2 жыл бұрын
Dave Ramsey has enough money to not need a credit card with out sweating about it
@gks7943 2 жыл бұрын
He didn’t always. That’s part of the reason he has money.
@vulpixelful 2 жыл бұрын
@@gks7943 He has the money because he sold books
@monicaambs 2 жыл бұрын
@@gks7943 He has money because he used everything to make money. He sells books, makes money from podcasts, KZfaq, conferences, etc, etc and his biggest money maker are his homes. He has been in reality his whole life and has hundreds of paid off homes. Hes a multimillionaire. In the very beginning he used budgeting for sure. And I am sure he still does it but he has a bigger budget for fun money. He has several expensive cars. Because he can. He has a very expensive home because he can.
@singerjo5791 Жыл бұрын
Sensing bitterness from the have nots…
@soapfan2700 Ай бұрын
And there’s a reason he got to that point. As in not using a credit card and saying no more to debt.
@AnnabelleC0306 2 жыл бұрын
Agree, I can't do the cash. Debit all the way!
@KateKaden 2 жыл бұрын
Yasss Annabelle! Thank you so much for watching and commenting. So glad you are here!
@amandagarrod4537 2 жыл бұрын
I've been budgeting for years but only since this year have I done a zero balance budget and it's really made a difference! There seems to be extra money that pops up and when it does, it gets given a job and sent on its way 💸
@annlynch593 2 жыл бұрын
I simply write a list of all my bills for each month, 1 or 2 months at a time. I include the date they are due by. That is all I need to never forget a bill to pay. What is there at the end of the month goes to savings. Easy peasy.
@deepabahadur9164 2 жыл бұрын
I am basically very frugal,and one thing i would like to add is that frugal people take care of their things like not banging doors, not stamping on their laptop,like being gentle with their things, that is their possessions shd not spoil bcz of mishandling. i cant breath hypothetically without planning,like budgeting,meal planning. It is more like a game for me,how i and in how many ways i can save money,but not miserly ways, more intentional.
@KateKaden 2 жыл бұрын
YESS! Love this!
@vidahappy-frugalspanglishv1528 2 жыл бұрын
Hi Kate! I truly believe everyone should make up their own system by using different methods to create their own budget as you mentioned. I take any yearly income like taxes, Stimulus checks, unexpected income, etc., to pay for yearly services, yearly home improvements, DMV, Insurance, etc. This allows me to have less categories and make budgeting easier. Thanks for sharing this list!😉👍💕
@deeb1636 2 жыл бұрын
I budget every paycheck in a spiral notebook. I track all my expenses and savings. I check it everyday. I also check all of my every credit card apps daily, even cards I’ve paid off that have a zero balance. I also highlight categories. A deposit is green, total of insurance and fixed expenses are pink, etc. I enjoy doing it, it’s part of my routine. I also write s goal on the top of the page, which is to have 1 month of paychecks in the bank and continue my spending freeze, essential things only. I’m almost there, and it’s because I’m tracking everything. I’m so I glad I found your channel, I watch several of your videos daily. They’re keeping me motivated and on track!!
@KateKaden 2 жыл бұрын
Thank you so much for watching and sharing with us Dee! So glad you are here. I will keep the motivation coming!!! Have an awesome weekend! (You might see me again for SLOW COOKER SUNDAY! Stay tuned!)
@thefrugalcyborgmriii3531 2 жыл бұрын
Happy frugal Friday, Kate and K squad! The one out of the 15 I am working on is the buffer, I have over a month of my income, now I’m focusing on getting to two months!
@grannyprepper1181 2 жыл бұрын
Where do I begin, I have been married for over 16 years. NEVER could get hubby to look at our budget. A few months ago he said we need to do the budget together. OK! Turns out someone told him about Dave Ramsey and now he thinks he an expert on our finances. 🤣 not even close. He hated the envelope system so I got rid of it. The short of it is we discussed it the first month, he looks at the bank account and questions me on this and that and doesn’t look at the budget I write…at all. We have been totally debt free from 20 months. He’s TOLD me to stop using my credit card and only use the debit card. 😡. That didn’t happen. I use the card for the rewards cash and as soon as the charge comes in I pay it off. BOUNCE my fico score has gone up 6 points and his has dropped 17, I’m now highly than him. I’m in the 800’s and he isn’t.
@lifebeyondthesalary2458 2 жыл бұрын
LOL girl!!!! I’m the same way!!!! CASH I CAN “SNEAK” but with a debit card… ain’t no hiding any of those transactions!!!!
@JustClaireGrace 2 жыл бұрын
Love this video Kate. I don’t do the cash envelopes either, I find the cash just gets spent so quickly!
@ShadowCat1321 2 жыл бұрын
[sheepishly raises hand] I have not gotten into the habit of saving for Christmas...YET. I'm new to budgeting in a serious way (I used to do the whole "eh, here's what I owe, here's what's left...oh look, I have a credit card, let's buy ALL THE THINGS"; but I cracked down on budgeting on the first of August). But I will do it. I need to do it. It helps me to handwrite where my money has gone and doing a check-in on where I am. With color coding for categories. Writing things down by hand puts it into perspective for me, and manually subtracting it from my budget makes me question if I needed to spend that much, or spend any, or whatever.
@KateKaden 2 жыл бұрын
CONGRATULATIONS! You are getting into budgeting and I cannot wait to hear your progress! So excited for you Shadow!
@Liv2Pnt 2 жыл бұрын
I like those color-in sheets for paying off debt. I'm a visual person, and having a colorful representation like that on my wall next to my desk really helps me keep my eyes on the goal!
@stephanieporter6836 2 жыл бұрын
I can't even imagine not having a budget!! One thing I do daily that keeps me from overspending is to track my expenses. In the beginning it's a bit of a hassle, but it becomes a habit over time. It will show you how much you've spent and how much you have left to spend in each category.
@dot3518 2 жыл бұрын
OMG I'm glad someone feels like that about cash spending. At least I know I am not alone.😊
@Brittanylee5104 2 жыл бұрын
Me too ... can't stand it! And I cannot with all the sinking fund categories. Its just too much . I just put what I'm going to owe on what month and plan ahead with budget.
@catladylife Жыл бұрын
I keep a running grocery list. I use my Kroger card instead of my debit card for almost everything. I earn points to get free groceries. I earn an average of $500 in free groceries each year.
@Julie-si3hi 2 жыл бұрын
Watching you , using a budget book and a budget app on my phone (which goes to zero) has really helped me.
@KateKaden 2 жыл бұрын
Julie, thank you so much for sharing! Love this! THANK YOU!
@mymirandamoments11 Жыл бұрын
I say the same thing about credit cards. I feel like it’s easier to keep track of that I spend than when I use cash. Also, you get reward points so if I’m having to spend the money anyways, I might as well get the points.
@alisawoods555 Жыл бұрын
Hi Kate! I Do Track my progress on paper because I So Love ❤ My O 's Day Spending! I Now Feel ALOT More Relaxed And Have ALOT More Fun With My family and friends ❤ 💕 With Very little Money 💰 I AM Dedicated To A Low To No Spend November!
@ramonalopez7516 2 жыл бұрын
Thanks Kate! Great video!!!
@KaylaG2425 2 жыл бұрын
I use Every Dollar too! I usually log in every morning and enter my transactions so it doesn't get out of control. Your channel also helps a lot... I love how you don't sugar coat it and you're REAL about it. Not everything works for everyone and you get that. I also find myself going back and rewatching some of your earlier videos because I need the reminder sometimes. Keep doing what you're doing!! P.S. I miss your Weekly Wins videos... any thoughts on bringing that back? I love hearing your wins as well as reading through the comments :)
@LisaRaePageRosenberg 2 жыл бұрын
I update Every Dollar every morning too or I start to feel like things get out of control! Being able to look at past budgets makes things like future budgeting and even taxes easier.
@Kazi607 2 жыл бұрын
Happy Frugal Friday Kate and thank you for the great budgeting tips🥰
@KateKaden 2 жыл бұрын
Happy Frugal Friday! Thank you so much for being here!
@phylissbrassey8431 2 жыл бұрын
I agree about the debit card. So easy to keep current along with automated bill pay. Daily check my bank accounts
@KateKaden 2 жыл бұрын
Hi Phyliss! Thank you for watching and sharing with us!
@luciaabbaticchio1500 2 жыл бұрын
I'm with you with the cash! Cash goes faster than a swipe for me!
@diannecorbett5347 2 жыл бұрын
Hi Kate definitely #10, so much easier to track and cash has a way of disappearing! Digital is a must for me. Every Dollar changed everything for me. Thankful, through you, I was introduced to it! Happy Friday!
@UndertheMedian 2 жыл бұрын
"Dump those credit cards like your 9th grade fling." LOL! Oh my goodness! Yes!
@jenrich111 2 жыл бұрын
Love your energy. It is exciting to get real with ourself and our finances and our positive future.
@KateKaden 2 жыл бұрын
Thank you so so much Jen!
@StacyBlack1970 2 жыл бұрын
Girl, I too am a budget fan! I have both 2022 and 2023 budgeted. Of course it helps my life is very repeatable at this stage of life.
@jackiemcos1407 2 жыл бұрын
Love doing errands in bulk! It’s my Saturday thing. I hate it when I can’t do It because it just makes my next week feel off.
@ericschmiedl7791 2 жыл бұрын
Hi Kate I find tracking my spending is a daily thing that helps out a lot. Thanks for the video!
@KateKaden 2 жыл бұрын
Eric ABSOLUTELY! What a great daily habit!
@atlien5320 2 жыл бұрын
you look amazing in this video, kate!
@vulpixelful 2 жыл бұрын
I budget with an excel sheet because I plan yearly. It really helps me to be flexible if something unexpected comes up, since I can see how that will affect goals and what I can move around to accommodate it. Helps me to reduce money stress 🌞 Also cash does feel like monopoly money to me, I "feel" it just fine when spending digitally, since I see it all on my bank/cc apps. Cash is for random tolls, parking, and small businesses that don't accept cards. That's rare, so I rarely have more than 30 bucks cash at any given time.
@CentsibleLivingWithMoneyMom 2 жыл бұрын
Kate, you are such a smart lady. I so agree with you on savings.
@Clic03 2 жыл бұрын
Yes I agree with the cash. I spend cash w/o thinking but the debit card keeps track of how I spend. I have 1 credit card. Not cutting it up. I like Kate style 💛
@KateKaden 2 жыл бұрын
Thank you so much Karen!!!!
@shawnreid7309 2 жыл бұрын
So glad that I found your channel ;)
@janfromnycsavesmoney8723 2 жыл бұрын
I agree with your method. In addition I like the CATEGORIES you have chosen pertinent to your lifestyle. This is definitely key. Thanks for sharing Kate-- I truly appreciate you!
@KateKaden 2 жыл бұрын
Thank you so so much Jan!
@mandy5463 2 жыл бұрын
Y. Try we remind me e
@blciffa 2 жыл бұрын
I’m the same about cash too. Electronic tracking helps me so much more.
@KateKaden 2 жыл бұрын
YASS!!!
@pigletsbank437 2 жыл бұрын
I take out 15- 20% of my meat portion for dinner since a month of two. and use eggs more often as protein, if I put a bit of meat aside it will be my lunch the next day on a sandwich, salade or soup. A lot cheaper than buying slices of meat.... For some years I meal plan, making simple meals ( few ingredients) from scratch for two days , using up everything every week. Buy once a week with a grocery list that is based on menu including breakfast lunch and dinner for that week. Plan or make a leftover soups or stew with some stock added to pasta and or (sauce) meat, veggies, potatoes, rice or whatever you have. A bit of stock makes two servings to four when needed..or freeze it for next week!! Super quick and save on a take out on busy night.
@catgodfrey6451 2 жыл бұрын
I use ED. I ck bank each morning. All great tips. I've been watching minimalist videos & it's going great. I just did a huge bedroom makeover & lt out the 42in TV. Budgeting is hard, but its created a great savings for us & we just went on a 100% pd for vacation.
@nimzovanleuven1733 2 жыл бұрын
Hi dear, I check my bank app almost everyday, until all bills are paid (most on autopay). The supermarket brings most groceries and send the bill afterwards in an email. When i buy something there (just around the corner) I want a receipt and write it in a checkbook or sometihng similar. Now since I am used to that I know every cent where it goes. This gives rest and confidence.
@tonideluca8569 2 жыл бұрын
Hi Kate ! Happy Friday! I also use credit cards for the rewards but pay off in total every month. You look great! Say hi to Kaden and kitties ❤️❤️
@chelseycooper2970 2 жыл бұрын
Just found your channel this weekend and BINGED! I have been forever looking for a budget App that mimicks pen/paper... I. LOVE. EVERY. DOLLAR! thank you. Also, budget Buffer was the most simple solution to creating a workable monthly budget. I was doing an every two week budget before. Thanks for all the great tips! Very grateful 🙏🏾
@KateKaden 2 жыл бұрын
Chelsey! Welcome to the family! I'm so so glad you are here!!!
@lisagardner9798 2 жыл бұрын
Love the video. I’m saving up to pay off my car now and then my only debt will be my house! Can’t wait!
@KateKaden 2 жыл бұрын
HECK YES LISA! WAY TO GOOO!!!!! So excited for you!
@andreaireland7848 Жыл бұрын
Love these videos..I am 100% the same with cash as you are Kate. Wanted to share my favorite budget app is Circle 1. It is super visual and easy. I tried Dave Ramsey's app and several other popular ones and none of them worked with my super visual brain. Thank you for all your videos!
@Starfish12345 Жыл бұрын
Rewatching all your content Kate to stay focused this month!
@KateKaden Жыл бұрын
LOVE THIS! YAYYYY!!!!
@pammayberry4898 2 жыл бұрын
Thanks
@KateKaden 2 жыл бұрын
Thanks Pam!
@JudithMcPheron-pb9lv 4 ай бұрын
Thanks Kate. I always save every single receipt. If I don't get one for a small cash purpose I write it down right away!
@sandrafromscotland 2 жыл бұрын
Happy frugal Friday Kate 👍 Yes to debit card & agree on cash 😂 My tip, create a "Live below your means" line item in your Budget set an amount & save up the money 🙌
@KateKaden 2 жыл бұрын
Goooood morning!!!! Love this Sandra!!!!! Thank you for sharing with us.
@leticiaurbach1720 2 жыл бұрын
Thankyou Kate. Credit cards should be used responsibly. Also the cash back we get from them could be used for gifts. Just an idea.
@donnanorris4733 2 жыл бұрын
Great DR list. Not a cash envelope person either. Daily routine I check my bank account online. Not only does it help my budgeting but there is so much identity theft these days. It is important to track our spending online too.
@KateKaden 2 жыл бұрын
YASS! I agree Donna!
@monicaambs 2 жыл бұрын
I don’t use cash either Donna. I have everything in a notebook. I have a page each month of what I put toward each sinking fund and what is used. I love watching all the funds build up. I have 10 sinking funds. I check my bank account everyday on line. Love watching Kate.
@nerdymichelle 2 жыл бұрын
I keep up with my work hours on the same excel file as my budget. … I set it up to calculate my earnings as the money comes in. On the next tab is a reminder of how the money is supposed to go out. Cash is so easy to spend! It is already marked out of the bank account. Nobody will know if I spend it irresponsibly.
@KateKaden 2 жыл бұрын
Good morning Unfair Mom! Love this! Thank you so much for watching and sharing with us!
@erickvarela2777 2 жыл бұрын
Hey Kate. First time subscriber. Thanks!! I live to budget! Lol, I love to hear like minded people.
@KateKaden 2 жыл бұрын
Erick!!! Welcome to the family! So glad you are here. LOVE talking about the budget!
@erickvarela2777 2 жыл бұрын
@@KateKaden you make it super entertaining! Thanks 😎👍
@lucybell1487 2 жыл бұрын
Money in a sinking fund is terrific for a cush in budgeting
@UndertheMedian 2 жыл бұрын
Kate, I just wanted to say that you are looking SO good! Your hair and outfit are very complimentary and look great on you.
@poetrygirl4eva Жыл бұрын
New to your channel. Thank you I am appreciating the tips. I am very old school 1 thing I am going to go back to doing is while grocery shopping is having a pen and paper and figure out what I am spending and then decide if I really need a certain item even if it is on my list. I hope that makes sense.
@KateKaden Жыл бұрын
LOVE IT! and Welcome to the channel! I'm so glad you are here! HECK yea break out the pen and paper if it helps! I'm all about whatever is effective for each of us. LOVE IT!
@joycegonzales4994 2 жыл бұрын
I put all my purchases etc into an old Microsoft money program, and review my spending on a regular basis
@lindamcdermott5475 2 жыл бұрын
Off topic!!! Love the transition from PJs to Power Suit! You’re the best!
@KateKaden 2 жыл бұрын
Linda, thank you SO MUCH!
@paulawhite8674 2 жыл бұрын
Cash is easier for me too! My sister thinks I'm crazy!
@kimberlyheinz4490 2 жыл бұрын
Hi Kate! Great discussion. I do have a zero based budget, I do not redo it very often. I only redo it when something changes, like last month when we paid off our house. I have sinking funds for a lot of things so I have always planned for non recurring expenses. This keeps it easy for me! I agree on credit cards also. We use one but are very responsible and pay off every month! Have a great day! #teamksquad
@monicaambs 2 жыл бұрын
I have always had a credit card but have never had a problem with them. Its zero balance at the end of the month.
@shikha5246 2 жыл бұрын
Something I’ve started doing is paying my bills way ahead of time. Couple are on autopay but this way in case an emergency comes up at least most of the bills are paid
@KateKaden 2 жыл бұрын
Love this!
@FIRE_DrNinjaTurtle 2 жыл бұрын
This is awesome that you have Kaden on your channel and that he has his own channel.
@rochellethundercloud346 2 жыл бұрын
For things like anneversaries,wedding/baby/retirement/holidays,maybe start buying little things year round.especially holiday gifts.thats one area you save more shopping year round rather than last minute.from right now until christmas,stores are jacking prices way,way,way up.
@heidihurn9828 2 жыл бұрын
Hard when things keep going wrong all the time x
@nancybrown8823 2 жыл бұрын
I have Christmas shopping done a year in advance. I shop for the basics for each person, then if/when I find that "special", "unique" gift the impact on the budget is minimal.
@KateKaden 2 жыл бұрын
Love this Nancy!
@stinejohansen8342 2 жыл бұрын
Nice jacket 🤩 Thank you for a great video!
@smartypants1980 2 жыл бұрын
I budget but messed up this month and learned the hard way about bouncing being possible on a Debit and was supposed to just know I needed overdraft porotection
@KateKaden 2 жыл бұрын
Oh no! Learning lesson for sure. You'll know now and do better next time:) You've got this Scott!
@shawnreid7309 2 жыл бұрын
Debit cards are the way to go , here in Canada very few ppl use cash . Cash is physical dirty !
@michelleparks4582 Жыл бұрын
Kate, I am the opposite of you w cash. I feel like letting go of hardcore cash actual money is more difficult than swiping a card that's just kind of sort of imaginary money.. I have to really limit myself because before I know it I spent a 130 $150 that day. Then I get upset when I get home and write it in my book. I like to see 000 day after day and my book. No spend days as much as possible as my goal. I get really upset when I have to spend any money at all outside of taking care of my animals or getting gas. I even dumpster dive to make sure I don't spend on groceries. I probably go to a grocery store 3 times a year and I buy very little when I do.... but I eat VERY well!!!
@lisagardner9798 2 жыл бұрын
Good morning Kate!
@KateKaden 2 жыл бұрын
Good morning Lisa! You are my first comment of the day! Thank you so much!
@josistare9003 2 жыл бұрын
I agree Kate. When I spend cash there is no record of where it goes. I do much better using my debit card. I can see where and when the money was spent. It keeps me.on track. The one thing I do is each morning at 7:00am my bank sends me text on each of my accounts for me to check each balance. They also text me every time my card is used, how much was spent and the balance.
@KateKaden 2 жыл бұрын
YASS!! Love this Jo!
@Sabiha-30 2 жыл бұрын
Kate you are quite smart..... 🤩
@KateKaden 2 жыл бұрын
Thank you so much Sabiha. Thanks for watching and commenting. Appreciate it!
@A222Z 2 жыл бұрын
My hobby is Investing .. i absolutely love, love, love ❤ it .. so my one daily habit to help my budget = checking my investment status. I spend less, to invest more.
@KateKaden 2 жыл бұрын
NICE A Z!
@A222Z 2 жыл бұрын
@@KateKaden yes, and my 2nd habit is to listen daily (or read) something about finances.
@wandahall4435 2 жыл бұрын
Shout out to Kaden Mr Hannum & Buns!!!
@KateKaden 2 жыл бұрын
Thank you Wanda!
@rochellethundercloud346 2 жыл бұрын
I agree.to budget effectively,you have to know your income. If it varies,under the median has a video on how to budget when income varies. The easiest way,base it off the lowest pay you get. 4 walls first.food. Shelter Transportation Utilities Insurance. Savings/sinking funds LIVE BELOW YOUR MEANS!!!!!. You.do not need that porsche.a honda will do the exact same thing.lower insurance,and maintenence. Call insurance and utility companies to find ways to lower your rates.
@KateKaden 2 жыл бұрын
YASSS!!!! Thanks Rochelle!
@dorisward-mindfullivingcon875 2 жыл бұрын
Looking fancy in your blazer, love it 😍
@KateKaden 2 жыл бұрын
Thank you Doris! I like blazers…or hoodies😍
@dorisward-mindfullivingcon875 2 жыл бұрын
@@KateKaden I love and live in hoodies 🤩
@iww6994 2 жыл бұрын
You look very good in this blazer. Formal look is for you🌷
@KateKaden 2 жыл бұрын
Thank you so much!
@suzettecooper382 2 ай бұрын
I bin emails selling goods especially clothes.
@Sheila-ru1iu 2 жыл бұрын
TGIF!!!
@KateKaden 2 жыл бұрын
YASS! TGIF Sheila!
@mksugerman1500 2 жыл бұрын
As an older adult I MUST be putting money away for retirement. You have to look at which is going to benefit you more a 1% interest car payment or a 5%+ return on investments.
@smartypants1980 2 жыл бұрын
"Worth it" makes me think of Missy Elliot lol
@KateKaden 2 жыл бұрын
Love Missy Elliot!
@shirleyrencher6126 Жыл бұрын
Queenie Bright
@dollarbilllife3905 2 жыл бұрын
Not hint Christmas is in December. That triggered me it reminded me of my ex. Yikes. Lol. Anyway I started tracking my spending in a planner. That way I have a visual of what I spent, and where.
@mksugerman1500 2 жыл бұрын
The falacy that you don’t owe anyone is dangerous. You have your phone bill for your cell phone, plus utilities etc not to mention taxes! If you own a home you pay your mortgage plus taxes etc. This constantly changes.
@leisure057blank3 2 жыл бұрын
I would say the one thing that helps m6 finances is to ask myself with clothing or a dollar tree purchase or something from 2almart or target is to ask myself, do I actually need this? Am I trying to impress someone (the Jones’s) by having this?q
@maried500 2 жыл бұрын
I save £80 a month ( auto at start of month) for birthdays & Christmas. I have Dad, Son, Daughter, Sister and Daughter- in Law's birthdays all in the next month. The money this there and waiting and I will still be left with £100s to help me through Christmas. I used to HATE starting every New Year in the red in my chequeing account 🙃
@KateKaden 2 жыл бұрын
Love this!
Kate Kaden
Рет қаралды 52 М.
Kate Kaden
Рет қаралды 12 М.
Happy Cute Toys
Рет қаралды 6 МЛН