Indeed, currently I'm managing my finances wisely and being frugal. In the last 19 months, my investments grew by 43%, adding over $150K in profits. However, I've had losses in the past month, making me anxious. I'm unsure whether to sell everything or wait.

The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.

@@mariaguerrero08That does make a lot of sense, unlike us, you seem to have the Market figured out. Who is this consultant?

Credits to "Gertrude Margaret Quinto", she maintains an online presence. Just make a simple search for her name online.

Thanks a lot for this recommendation. I just looked her up, and I have sent her an email. I hope she gets back to me soon.

I would have to put up lists everywhere to remind myself--in the kitchen, the laundry room, and even the car! "No drive-thru sodas!" 🤣

I second this!

I have had to put lists up of things I can no longer eat and drink after having baby #4. All the things give me really bad indigestion/heart burn and then hot flushes. No it’s not menopause, it’s every time I eat said food or drink. It bloody sucks but it’s been 6 months since bubs was born and yet I haven’t got drilled into my head. 3 other kids and a husband that I still eat and drink the things, it’s hard. I will get there. Haha

I agree!

I agree

Ditto to all of your comment 💕 DISPOSABLE GIFTS at Christmas sound fantastic! No more silly gifts and the costs are outrageous . I am going to give homemade cakes, cookies, flowers, plants, liquor, goodies we only indulge in a few times a year, thank you 🤗

Consumable gifts, not disposable, same here! My favorite one to get is handmade soap 😊

My favourite gift is money and my second favourites are consumables like food and toiletries.

Omg yes. I gave away so many last year and they still keep giving them. They’re harder to get rid of when they’re monogrammed. I live alone. I don’t need 200 cups and mugs. I wouldn’t mind just not getting anything at all. I can’t get rid of things fast enough. Living in a small space I don’t have the room for all this stuff. The nice things I get don’t even fit my lifestyle. I wouldn’t mind getting useful things I could use like gift cards to places where I can buy food or fuel.

Give a teacher a multi-pack of the pencils or pens most used in class & they'd be more thrilled

Oh my goodness. I was replaced and divorced with my 4 children & also 2 of my older sisters children for over 20 years and had to learn to be extremely frugal but afford the children some luxury things and for their school and activities so a Budget was necessary. We used the Library and free events big time and I still do. I remarried 10 years ago and he was a tough one to get on board with the program but has for the most part. I am the one that creates and runs the budget and to do or to buy lists. I am into a Deep Spring Cleaning and Simplifying our Lifestyle month through February. I am getting my Plants ready for Spring and only growing what will help our budget, what I can sell, and what I can swap. We love building puzzles so I am in a Puzzle Swap Group that I swap our puzzles out each month and the meet is always within 20 minutes drive. I do create and do Savings Challenges each year. I am busy minimizing all the Holidays and special days and Seasons Decor. It truly is more enjoyable having less. It's true Less is More. We have 4 coats and jackets, Blue Jean Jacket, all weather jacket, Winter Jacket, Dress Jacket, oh and a black or gray sweater. We have an umbrella in each car and two hang on hooks by the door. We have a cane in each car, one with my husband, and one on a hook by the front door. We have gardening gloves, work gloves, cleaning gloves, and winter gloves. It's being organized with what is needed only and we are loving it.

Never used them. So glad that’s one thing I don’t have to give up 😂 Diet Sunkist has got to go though. 😢I’m addicted.

Dryer sheets are hell for people who have breathing tissues. My asthma got much better when I stopped using them.

Not only do you not need dryer sheets...you don't need a dryer 90% of the time. Use a clothesline and when it's wet and cold use an indoor clothesline. Dryers are a blight on the planet!!!

@@julierussell5773I live in a HOA and am not able to line dry and hate using the dryer. I contacted one of my state representatives about this because some states have right to dry laws but never received a response.

Dryers are not a thing here in Europe - You can’t even find dryer sheets here. Simply can not get them here. I don’t buy these beeds and I don’t buy fabric softeners- I prefer my laundry to smell neutral and use my perfume

We are the same. I am 63 and net worth 970, but otherwise the same.

Oh, I want to do this so badly!!! Don't think I'll ever get to that point, though!

​@@cindym7234sure you can...just do it!

I've stopped watching the news also. It was making me sad and stressed. Now Family and friends tell me what has happened.

@@shalawndudley2094 You will start to feel so much better

How did you do it? I'm addicted to Diet Coke! 😢

Diet Sunkist addiction here. After my last 12 sodas that I have, I’m done!

You will feel so good. Your body will love all that wonderful water instead of the food coloring and harmful chemicals.

@kaysegoodson2721 So are you watching Christine with data if you don't have internet? It's past midnight so probably a dumb question. 😂

​​@@spcatmom I assume home internet, not mobile contract. But when I moved out of my parents house (about 10 years ago) I didn't add home internet right away (also didn't have data on my phone back then): I would download long KZfaq videos for the weekend using my work internet and have a small shopping center with free wifi.

We still rock a VCR 😂 tapes are 50cents at thrift stores!

But free at the library.

@@nolashiflett635 our library stopped with VCR tapes years ago or I would definitely still be checking them out!

I like the exact number of items. Good luck 🍀

that's a good idea.....going to try it....

Doesnt that yarn count as 1 item?😊

That's a great idea

You are off to a great start!!🎉 Keep up the momentum!! 😃

Same!

I do that with clothes and purses

I like bookbub for my kindle some are free, 99cents, $1.99 is the most average price some are $2.99 and I have a library right around the corner as well ❤

Don't buy books? Nope, dont umderstand this concept.......

@@ElffQueen1 In our library we offer a wide variety of materials that our patrons can borrow. Bestsellers, classics, nonfiction, audiobooks, DVDs and e-books. It costs nothing to borrow these things, and it's a wonderful service for many who can't afford to buy books or choose not to buy them due to home storage issues. I personally LOVE to buy books but I've stopped buying them because I can find so many in our library.

I read 136 books in 2023 and didn’t buy ANY of them. Most were borrowed from the library and a few were books from my husband’s Audible library that he had already purchased.

​@@lisakallunki5042 you are my hero. I set a goal for 52 and didn't hit that goal. I can't imagine 136. I also love the library.

It used to be hard for me to make it to my library because of restricted hours but they have online resources now, pick up lockers and even a vending machine. It is great!

Thinking about anything in particular to use that $10K?

@@suespatches7881 it's for my emergency fund in case I need a new roof or my car breaks down.

Great challenges for this year! I am doing a savings challenge as well!

You can do it. Set up a high yield savings account like Marcus Goldman Sachs and watch how quickly your money will grow

I love seasonal towels. I'm not much on decorating but I do love those

This is awesome

That is priceless! What a great idea!

I wish I could convince my grandparents that this is the best gift. Instead, they buy literal truckloads of junk we don't need and most of it isn't even something we like.

Gas cards for teen and college kids are wonderful 🌞

Well they make good dog toys

❤❤❤

No food is poison.

we use wool dryer balls too!!

@@connie894how many do y’all use per load? Trying to convince my husband that we don’t need dryer sheets. I have 4 wools balls that I use with our towels (since the dryer sheets decrease absorbency) but I feel like I need more.

3 wool. Once in a blue moon if there's quite a few nylon-y acrylic items in the dryer they may cling. But otherwise..perfect. Don't overdry is the key.

@@catherinebeckemeyer3992 we use 3,,, sometimes they lost in the load of clothes, lol. Don't over dry either. We love our dryer balls!!

​@@catherinebeckemeyer3992Four is a good amount with towels, add a tennis ball. Can be loud but the bounce helps the towels get fluffy.

Certain fresh items like some fruits, veggies, and dairy might have to be exceptions, but I'll bet she has enough of everything else.

Not very long, her family lives in an area with a very short growing season and they are big vegetable eaters.

Me too!

@@shlf2615 Dairy can be frozen, ditto fruits n veg, or store them properly in the fridge, they'll last a good few weeks. I shop monthly, and four times last year I didn't need to go at all, because I like to buy a little extra each shopping trip. Those extras mount up. And don't use up all your pasta and not replace it, bad, bad, bad. Always replenish. Who knows what's gonna happen, and you've run outta pasta and other things you decided to use up. That peanut butter for instance can be frozen, doesn't need to be used up quickly.

Make rags. I'm a painter a a bag of rags from paint store 38.00 and thrift store is 20.00

do you use vinegar in the rinse cycle or with your laundry soa?

@@stephanieschimek595I use vinegar in place of softener. There isn’t a lingering odor so no worries there. You can use it as a rinse agent in dishwashers too. Especially good if you have hard water!

@@Sarah.E.Johnson oh nice I don’t have hard water and I use vinegar every laundry cycle under my fabric softener setting and a downy ball since I don’t have a dispenser. Sucks not to have one.

Use it in the rinse cycle. inegar cuts the soap and softens your clothes.@@stephanieschimek595

Where do u buy this laundry detergent???

Also pods gunk 16:27 up the filter and outlet pipe😮

Me, too. The gel gets dishes much cleaner

So you pour wax into the orange peel? How does the peel hold up when it’s burning? I like this idea, so long as the wax is clean and doesn’t have a lot of chemicals.

@@BulldogLady347 you could buy beeswax or soy was and the wicks, if u prefer. After I clean out the orange from the fruit, I usually dry it for a day or 2 in the window where light will hit it. Or, I’ll use my dehumidifier but I know not a lot of ppl have one of those. They have always held up just fine for me.

Thats what I've started already . It's easier said then done. Im sticking to it so far . No over spending on freezer items til it's empty !

Can those items so you are ready if the power goes out.

I donate to a charity called IRIS that helps new refugees..and a local homeless shelter.

Unless I missed it, she said she wasn't BUYING any soda. I don't think I heard her say that she wouldn't drink one If it was offered. 😏

I use a steno pad. I started working for a textbook company after I left teaching in 2012. My home became my office when I wasn’t traveling for them The planners just weren’t working for me. Though so wanted to have cute planner that was both efficient and comprehensive. I was having a lot of fun trying to embrace them, but it just wasn’t happening. I realized I needed something simple and visual to help me plan my life so I decided to take the left side of the steno page and make it my home life and the right side of the page and make it my work life. I also volunteered for a project at church so I divided the work side into two parts. I didn’t use it for a Calendar. I use my phone for that.

I bought a dollar store calendar with large daily squares. My partner and I both use it so we can see what the other has on their schedule (neither of us a smart phone, we just aren’t phone people).

I just use a diary, of it's not in the diary, it doesn't happen 😅

We use a wall mounted dry erase monthly calendar. Works like a charm for keeping everyone in the loop of what's going on and it's paperless and reusable until infinity 😊

Powder tide rocks! And it comes in a cardboard box, much nicer to the environment than plastic jugs

Years ago I bought white wash/bar towels from Amazon, 24/15$. I have never bought paper towels/napkins. Wash cloth are the perfect size for drying hands and small wipe ups

They are way overpriced now😢

@@mytoytoo I don’t doubt it so sad 😞

Yeah I think we have TP PTSD from the COVID days.

I didn't have to really worry when we had the "great toilet paper rush". Because I always kept a couple of big pkgs on hand. But, I have bought a few more to have on hand for just in case. I probably have enough for both bathrooms for 6 months also. lol Another reason I bought extra was in case my daughter couldn't get any, which it did happen a couple of times.

@@ArtLenLa funny thing is I never stocked up on it until about 6 months ago and didn't realize how much I had accumulated

@@missymcclain4236 ah, well when COVID hit, I fortunately had a huge supply for our small household and it saw us through, barely. We have a septic tank so I’m cautious about what kind I buy.

I got a bidet and a pack of cute cloths to pat dry with, and I cut my toilet paper use by 90%! You do need TP to use after pooping, and then you wash with the bidet and pat dry. I love feeling clean all of the time!