I'm just saying, working as a barista through college ended up saving me SO much money because I bought my own espresso machine and now i make all my fancy coffee drinks everyday for myself and it's SO much cheaper
@yomama8107 жыл бұрын
I just sat and watched all your videos thank you for explaining everything in a way that I can understand
@missbehelpful7 жыл бұрын
You're welcome! Thanks for watching and let me know if you'd like me to cover a certain topic you're curious about!
@shuuzipuuzi7 жыл бұрын
Never thought to think of my net worth. Will keep this in mind.
@missbehelpful7 жыл бұрын
Yes! This one is SO important! Thanks for watching and commenting!
@srkking4026 жыл бұрын
Could you just explain to me in a simple way using examples , how you calculate net worth???
@cherellemarie29797 жыл бұрын
No I didn't want the video to end! Pt. 2 please 😄
@missbehelpful7 жыл бұрын
Thanks Cherelle! Maybe I'll add a part 2 later :)
@emma123_x87 жыл бұрын
thank you so much, loved each point....
@missbehelpful7 жыл бұрын
Thanks Emma! Glad to hear that!
@kevinjames14347 жыл бұрын
You got me thinking...I'm in my early 30's
@missbehelpful7 жыл бұрын
Yes yes yes! NOW is the time! Thanks for watching and commenting!
@paulortega807 жыл бұрын
Thanks for the great advice!!! I like how you broke down Fixed, Future, and Flexible Expenses by percentages too. Ill try it out and see how it works.
@daniellebroughton70157 жыл бұрын
more tips on saving love your videos
@missbehelpful7 жыл бұрын
Thanks so much Danielle :)
@JonelleElise7 жыл бұрын
I loved this video! Girl, you preached! I have always done my own eyebrows and hair etc due to not being allowed to get them done at a young age and at first I was upset about it. But the blessing is that I had to learn to do it myself and now I'm grateful because I can look cute on a budget lol!
@missbehelpful7 жыл бұрын
Yes honey!!! That's the way to DO IT!!
@falcoperegrinus22927 жыл бұрын
Great video. Thanks for sharing all of this. Now i don't feel so bad for making similar mistakes when I was in my early 20's! Others have made the same mistakes I have. Glad we're in a better place now.
@missbehelpful7 жыл бұрын
Yes!! Glad to hear it! Thanks for commenting!
@neha74937 жыл бұрын
Make a part 2 please! If you have more tips, that is
@KrushNation7 жыл бұрын
great advice!!!!!!! I will be adding this to my blog!
@freedominabudget7 жыл бұрын
Love this!! They are all so true!!
@missbehelpful7 жыл бұрын
Thanks for watching and commenting :)
@AmberAshli7 жыл бұрын
I been on YT since 2013 or so and I'm just coming across this helpful YTber , thank you so much!
@missbehelpful7 жыл бұрын
Thanks Amber! Glad you found me :)
@Eljanny7 жыл бұрын
A bit extreme not carrying at least one Debit/Credit card on you and sticking with only $5 or $10 on you. But whatever works for everyone as long as we stay debt free and don't spend money on unnecessary things
@missbehelpful7 жыл бұрын
Yup! That's what I had to do to really force myself to make the transformation. Now, it's no longer necessary because the results I got from that made me really enjoy not spending to see how much I could challenge myself to save! Thanks for your comment!
@Melybellyxo7 жыл бұрын
I'd love to hear your advice on paying down debt (credit cards, student loans)!
@Eljanny7 жыл бұрын
Use the snowball method where you pay off the highest interest rate loans/cards first and then go on after that.
@missbehelpful7 жыл бұрын
Yup! Agreed!
@missbehelpful7 жыл бұрын
Paying high interest debt first makes the most sense mathematically! Thanks for watching and commenting!
@Melybellyxo7 жыл бұрын
MissBeHelpful Thank you!!
@shopon57 жыл бұрын
Mistakes are out biggest teachers. Some good advice!
@missbehelpful7 жыл бұрын
Totally agree!!
@habibti3207 жыл бұрын
Love your videos and advice! I've been binge watching your channel since I found you! :) I have made many of these same mistakes and am trying to change my financial mindset. In terms of beauty, I have saved so much money after discovering two things: menstrual cups ($20 purchase has lasted me 2+ years) and an epillator ($50 purchase and no more shaving, shaving cream, or waxing). I am looking forward to more tips and advice, especially with your eating habits!
@missbehelpful7 жыл бұрын
Awesome! Thanks for sharing!
@jackroberts97554 жыл бұрын
Good video, thanks for sharing! Good point on the net worth. There was an article published on Millennials & money only a few weeks ago. I've literally just done a similar video from a slightly different angle - you might find that interesting.
@nataliegarcia21997 жыл бұрын
hey so Im 19 and dont understand net worth at all. is that like adding up what you have and your debit to figure out how much you actually have?
@PIQTION7 жыл бұрын
yup
@Eljanny7 жыл бұрын
Yeah and by what you have as in 100% you own (fully paid so a car with a loan on it won't count). I think the only exception is a house but that's getting to technical. If you have no debts as in CC, student loan, car loan etc.. and have $1,000 dollars in your bank account then your net worth is the $1,000 plus whatever else you fully own.
@missbehelpful7 жыл бұрын
Hey Natalie! Yeah basically you got the right idea! So lots of people look at their bank account and think that the money is all theirs but at the end of the day you actually need to consider your debts and bills before calculating how much money is truly yours! Hope this helps and thanks for watching!
@Jo716036 жыл бұрын
Yes! Why not start working towards your retirement now!
@scoobydoo73466 жыл бұрын
Natalie Garcia essentially yes
@yahhebrew68187 жыл бұрын
MissBeHelpful thanks for all your advice!! You helped me save so much money especially since I live in New York City..
@missbehelpful7 жыл бұрын
You're welcome!
@adriennefox98097 жыл бұрын
I love your videos girl. Super helpful and relatable for young people!
@missbehelpful7 жыл бұрын
Thanks Adrienne! xoxo
@12012channel6 жыл бұрын
My coworker is crazy . He has about $5,000 in credit card debt and has not payed any of it back and in fact does not plan to.Last year he somehow opened a new credit card and spent the whole limit at once.Do you think it was for some kind of investment or emergency?Nope he used to buy a Nintendo Switch and I think some Pokemon shit. Ever time he gets a paycheck he just spends it on bullshit like video games( I have nothing against video games but I am not into debt for it).When I say he is not planning on paying it back ,I don't mean he does not have a plan to pay it back but he literally said "I am not paying it back, it is their fault for letting me have a credit card".When I and other coworkers asked about his credit or what about later in life for retirement.He just laughed at us and said " I make minimum wage and I will probably never get out of it , so I will never buy a home or anything like that, so it does not matter what my credit score is and why would I save for retirement? The economy is fucked up, all those people saving for retirement are probably going to end up with nothing because the economy will crash , at least I had some enjoyment ".Needless to say our jaws pretty much hit the floor.Actually, it is kind of sad because I like the guy but he has a defeated attitude and does not plan on bettering himself in any way financially or professionally.
@redshimmy53347 жыл бұрын
Thank you for sharing these!! So excellent!!!!!
@missbehelpful7 жыл бұрын
Thanks for always supporting me!
@redshimmy53347 жыл бұрын
OMG OF COURSE DOLL! YOUR AMAZING!
@thedog68494 жыл бұрын
Co signing a loan isn't necessarily a bad thing. It can help your credit as long as all the payments are made on time.
@happymimmz93054 жыл бұрын
You need to watch her horror story on @thefinancialdiet channel - kzfaq.info/get/bejne/i5-kfJyS1Na3Z5c.html
@xander998997 жыл бұрын
Thanks for the videos! They really do help 😃
@missbehelpful7 жыл бұрын
Thanks for watching and commenting! Glad to hear it!
@Bibimbapski7 жыл бұрын
Does this mean that we should pay off our debt first before focusing on savings? Even if you have $100,000 in savings but have the same amount in debt, it means the net worth is $0?
@missbehelpful7 жыл бұрын
Yup technically your net worth is ZERO! So what I would do is put 6 months of expenses in a savings account and a few thousand in a retirement account and pay off the rest towards the debt so that it will STOP GROWING over time. Good question!
@scoobydoo73466 жыл бұрын
Your videos are great. Hope to watch all of them.
@ancienttimes69536 жыл бұрын
Love the video keep making please
@nebralester13685 жыл бұрын
It seems a bit extreme 5 or 10 dollars. That's not even enough money for gas these days. I all for saving but what is the point of saving all this money and not able to enjoy?
@jonathanr68327 жыл бұрын
You don't look a day over 21😉
@missbehelpful7 жыл бұрын
Ah! Thanks :)
@lovejimenez22177 жыл бұрын
thank you for your video.
@missbehelpful7 жыл бұрын
You're welcome!
@scoobydoo73466 жыл бұрын
I never even had a bank account as a teenager. Imagine that.
@wyattheuer48707 жыл бұрын
I'm 19 an money hungry lol these are very helpful
@missbehelpful7 жыл бұрын
Nice!
@UliSwag5 жыл бұрын
7 bucks a week on eyebrows is $364 a year
@missbehelpful5 жыл бұрын
Ben Dover yup! Plus $8 a year on a manicure and now you’re just over $700! Adds up quicker than we think!
@royrosales44006 жыл бұрын
Always salt your pasta when boiling
@ViennaElizabeth7 жыл бұрын
Set up my first savings account today, I'm not sure I trust myself to not delve into it though:(
@LoveDaringGreatly7 жыл бұрын
Hot mess.com over here too... glad those days are behind me #eachoneteachone
@Gohan19887 жыл бұрын
Keep the videos coming!!!•*^,^*•!!!⭐️🙃🌟
@missbehelpful7 жыл бұрын
Thanks!
@Jo716036 жыл бұрын
You look like you are still in your 20s!
@Capitantopdog7 жыл бұрын
cute
@lilmo2146 жыл бұрын
I bet I wouldn't have to spend a lot of money if I was to date you.