Budget Tip with the BIGGEST Impact-How to Stay Out of Debt FOREVER
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Күн бұрынThis is THE BEST budgeting tip if you want to stay out of debt. Budgeting is made simple when you follow this one rule. It works every time. Spending less than you earn will keep you out of debt without fail. Thank you so much for watching! Let me know in the comments what you struggle most with when you budget.
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Save, spend and love your lifestyle!
@carrierice7169 3 жыл бұрын
Im on disability i only get 1070 a mth i have saved 4 thnd this year
@KateKaden 3 жыл бұрын
Carrie, you are making it happen! So proud of you. Keep it up!
@carrierice7169 3 жыл бұрын
@@KateKaden thanks
@angelheart408 3 жыл бұрын
That is very impressive😊
@dorisward-mindfullivingcon875 2 жыл бұрын
How 🤔 ❓️
@sunflowerfields4409 3 жыл бұрын
I wish I had learned about finance in high school and college. It should be required to take a class about money including credit cards, budgets, investing, and keeping track of how much you earn vs. how much you spend. Nobody teaches us that. Credit cards are not "free money". But nobody tells you that and you think paying the minimum payment is paying it back slowly. But nobody talks about the interest rate and how you end up paying much more than the item actually costs. Luckily I learned albeit late in life, I am now debt free and will NEVER be in debt again. I'm a person for whom cash is king. of course with the pandemic, I've been using my debit card which is really the same but it's not. Does that make sense? If not, disregard this whole comment., LOL
@KateKaden 3 жыл бұрын
I TOTALLY AGREE. I hear you loud and clear! I wish this stuff was taught to us WAYYYY earlier! Appreciate you for watching and commenting and always being here. THANK YOU!
@xaxa1983 3 жыл бұрын
My biggest money sponge used to be eating at restaurants, plus the expensive drinks that came with it. Now it's 3 things: dairy, alcohol, and random admin expenses or unforeseen expenses. - Dairy: don't laugh, but I love cheese, and I love putting half&half in my coffee every morning. I always try to buy dairy on sale, but it's still expensive, and I consume way too much of it. Probably close to 25% of my grocery budget is dairy :O - Alcohol: I drink less these days, but this is still expensive, and takes up too much of my budget. Not going out and only drinking at home with my boyfriend helps, but still too much $ is spent in this category. - Admin expenses/unforeseen expenses: Oh, need a new passport? $200! Some fee you forgot about or didn't even know about? $160! Etc. It adds up. So in 2021 I will cut back on the cheese a bit, set a stricter alcohol budget and have at least 2 months of the year completely sober (I actually did it this year too, and already spent less in total), and set aside a bit of $ each paycheck to admin/unforeseen, so that when those extras happen, I will already have it covered.
@carolc2574 3 жыл бұрын
My mum always said: “No se puede estirar el pie mas de lo que da la manta” “ you can’t stretch your foot longer that what the blanket covers”. She always told us, even as kids, that if you earn ten you get to spend nine but you have to save one, because if you earn ten and you spend eleven you owe one to somebody, and that’s a real problem. Us Spaniards traditionally don’t use credit. We are starting to copy american models but luckily consumer debt is not extended yet. We usually use credit for housing and cars and some people use it for vacations... dangerous in my opinion. I am debt free except for one mortgage and I cannot wait to sell that flat an become completely debt free!
@KateKaden 3 жыл бұрын
LOVE THIS!!!!!!
@rochellethundercloud346 3 жыл бұрын
One of my close friends does this.he calculates his take home pay.his bills.any time he buys anything,he writes it down,pen and paper.he saves receipts.he saves all insurance policies.bank statements.he does not use credit cards.cash or prepaid debit cards,or gift cards. He tracks every.single.penny.meticulously
@CentsibleLivingWithMoneyMom 3 жыл бұрын
I think I am going to start tracking all the money I spend
@kateoloughlin8774 3 жыл бұрын
Kate Kaden Hi Kate, I have been a minimalist for about 7 years now.I watch your channel to learn something new. Especially the young people who watch your channel you are their best teacher. Young people watch and learn prepared your selves for the future. Kate even if I won The Euromillions next week I would still be a minimalist. 🤣🤣 Kind regards from Ireland Kate. 👱♀️☕☕
@HowDebbieSaves 3 жыл бұрын
Kate all I can say is YES ABSOLUTELY!! I always hear people say to live “within” your means. I’m always like no live “below” your means. That’s where the savings is. I love that show till death do us part. I used to watch it all the time. At my job I get to help people with their budgets. It is shocking to see people making hundreds of thousands of dollars a year not knowing what their expenses are and living way above their means and in so much debt. I always get surprised by the people making minimum incomes and being able to save and not be in debt. Just like you said sometimes it’s not about the money coming in it’s about the money going out. I completely agree with you when it comes to groceries that’s where the savings is. There are so many ways to save money on food. Meal planning to me is the #1 tip. Great job as always! Loved every minute of it.
@KateKaden 3 жыл бұрын
Love this! Thank you Deb!!
@kankerdoodleb9149 3 жыл бұрын
Kate you are preaching to the choir with me..I got started later in life...I'm debt free other than my small mortgage...don't miss a thing I gave up and love looking at my savings and retirement accounts. Keep spreading the word!
@Magdalena287 3 жыл бұрын
If you cant pay off your credit cards in full every month, you shouldn't use credit cards. Credit cards are for credit and perks, not for cash or an emergency fund.
@carrierice7169 3 жыл бұрын
Your right thats why i dont have one lol
@laurah6381 3 жыл бұрын
Don’t be fooled-studies show that you spend more when you use a credit card because you don’t “feel” it the same way as when you pay with cash.
@Magdalena287 3 жыл бұрын
@@laurah6381 yeah I track my money every single day and know where every cent is going and stay on budget, I dont use my credit cards for spending never have thankfully, I have 5 kids I cant afford to spend money foolishly lol
@anniecharlotte4469 3 жыл бұрын
Love this video Kate! I am going into Christmas with Money in my pocket money in the bank saved and gifts bought and wrapped!!
@KateKaden 3 жыл бұрын
Thank you so much Annie!!!
@kateoloughlin8774 3 жыл бұрын
Annie Charlotte Well done Annie. Kind regards from Ireland Kate. 👱♀️💕
@annerohrbacker6097 3 жыл бұрын
Christmas is A REAL problem for me because giving is my love language like yours, Kate.
@KateKaden 3 жыл бұрын
I hear that!!!!!
@EmilyDowgialo 3 жыл бұрын
I totally agree, spending below your means is #1!! You’ll have money left over and you get used to spending less than you earn
@EdenBaynes 3 жыл бұрын
I'm 28 and so happy to say I started living within my means when I was 24ish and brought my first home by myself at 26. Love your channel Kate ❤️
@Marielle_F98 3 жыл бұрын
This is my first year creating a Christmas budget and I managed to get all the gifts people asked for/ I wanted to get for them and I still had money left over afterwards. Budgets have been a lifesaver for me this year and helped me save so much more money. Thanks for inspiring me and keeping me on track Kate 🤗
@paulacostello6912 Жыл бұрын
Three cheers for the Christmas sinking fund! :)
@carolynturnerclark9287 3 жыл бұрын
It matters more how much you keep not just how much you make.
@denisesummers6909 3 жыл бұрын
I have struggled my entire life. Was a single mom most of the time so I have juggled. It has been a depression thing and have dug such a big hole.
@donnanorris4733 3 жыл бұрын
You can do this. Watching debt decline even slowly is a win. I have been there. Its almost a game what creative frugal things can I do to save money. For me its been watching sales at the grocery store and taking advantage of free things like local parks and using the library.
@hilaryjoseph9706 3 жыл бұрын
Girl you got this..might not be as fast as others with spouses ..but every small step adds up
@maryannrogers8675 3 жыл бұрын
You are a strong person to be a single mother. The struggle is real. Take one step at a time and you will move forward.
@Bast16711 3 жыл бұрын
I know this true. I used to be one of those people. God opened my eyes and blessed me. Now I am in such a better place. I do love your budget videos.
@elizabethcardoza4604 3 жыл бұрын
I started watching your channel..listening to all your videos n started changing my mindset about 💰 money and for the first time in my life i could save 1600.for an emergency fund👌 I'm 46 year old n saved money for the fist time in my life..thank u for all that u shared n for your videos THANK U🌹
@KateKaden 3 жыл бұрын
Elizabeth!!! This is soooo exciting!!! Congratulations! I’m soooo happy for you! I’m so glad you are here😍😍😍😍
@joaniemione8410 3 жыл бұрын
I need to have an emergency fund for things that keep coming up and then I have to put them on a credit card.
@shirleyhess7 3 жыл бұрын
lol --- I also binged "Till Debt Do Us Part!"
@shirleyhess7 3 жыл бұрын
Now I'm binging on Kate Kaden .....................
@bruce5895 3 жыл бұрын
Tip # 51 for saving your money, to save on your heating bill, turn down your thermostat at night.
@KateKaden 3 жыл бұрын
I'm still getting used to my thermostat in my new home. It ebbs and flows in ways my old place didn't. LOL!
@bruce5895 3 жыл бұрын
@@KateKaden As long as it works that the important thing.
@kaitlinobrien243 3 жыл бұрын
I want a significant emergency fund.... 2021 goal. Thank You Kate great video 🇨🇮💚🇨🇮
@KateKaden 3 жыл бұрын
Yasss!!!
@melissalee9171 3 жыл бұрын
Thank you for the pep talk. Our food budget is always my problem. We eat out way too much. I know it hurts our budget and my waist 😅 I’m a work in progress.
@KateKaden 3 жыл бұрын
You are so welcome! You can do it! Yes that pesky yet amazing food! LOL! It's so easy to overspend in this category.
@tarat26 3 жыл бұрын
Never actually been in debt for anything other than my degree/ education. My mum always said "if you don't have it, don't spend it". My biggest downfall though was to spend EVERYTHING I got every month on nice things. I would always think "you've earned this' ... you can save next month etc etc. It took me 10 years to suddenly hear the words 'Pay yourself first". THEN I started to save and only if you do this, and live below what you earn can you save. I dread to think how much I have thrown away on 'STUFF' that is no longer in my life anyhow. Wise words. Thanks... wish I'd found you sooner.
@donnarakitzis2719 3 жыл бұрын
Spend less money than u earn is the key! U know it!
@financestoart7518 3 жыл бұрын
I love till debt do us part! So sad that they had to cancel it.
@KateKaden 3 жыл бұрын
Yeah such a bummer!!!
@cherylT321 3 жыл бұрын
I learned a lot watching that show back in the day!
@jc10907Sealy 3 жыл бұрын
Kitty 🐈⬛ love ❤️ Thanks for your advice. Food and eating out is a sinkhole 🕳
@grammysix5459 3 жыл бұрын
I have trouble spending less on my groceries. I realize I’m an impulse grocery spender and my family is all overweight because of it. I look at baking and cooking big meals as loving. I have to change this mindset, but don’t know how to start.
@username00009 3 жыл бұрын
You can always try cooking from Clean Eating magazine instead.
@peace-a 3 жыл бұрын
5:38 yup! After 3 years of budgeting per paycheck, I STILL under budget for food. There's always something yummy I see and place it in my cart or there was an unexpected item on sale so I get two 🙈
@Reina623 3 жыл бұрын
Good morning Kate. I still watch Gail Vaz Oxlade shows and will occasionally check her out on Twitter. The hardest part is facing the truth but once you do, you actually feel relieved because knowing is hope.
@KateKaden 3 жыл бұрын
Yasss!!!
@jenfrizzell8030 3 жыл бұрын
Biggest challenge: food budget...I have done better this past two weeks but I spent ALOT of time planning & budgeting. It works! Just sucking up my time. I’m hoping it gets easier & praying I don’t give up (again). Another struggle has been using credit cards to buy all the monthly things, overspending, then struggling to pay them off before interest hits...such a cycle! I’m SO close to them being 100% paid off!! As I use them, I transfer the money immediately. Again, time consuming. But! I do believe that because it’s been such a struggle that once we get 100% ahead of it, we WONT go back! Thanks for the video!! Defiantly inspires me to keep pressing in!!
@janclark1894 3 жыл бұрын
Thanks Kate, wish I'd have done that when I was working, I started working at 15years old and retired at 68 year's old, I'm not in dept and I do have money saved now but I have been in dept and what a horrible feeling going to bed worrying and waking up and the worry pops back in your head, I help my daughter a lot she's a single mum of two and she struggles, but lately I've been nagging her to budget, she's always going food shopping and buying more than she needed. I have given her your KZfaq channel and told her to follow and learn. 🤞❤️🏴
@KateKaden 3 жыл бұрын
Jan, thank you so much!
@cherylT321 3 жыл бұрын
Try to get her to watch Gail Vaz Oxlade’s show as well. She might recognize herself and start to change!
@janclark1894 3 жыл бұрын
@@cherylT321 Thank you will do.
@purrbotic Жыл бұрын
I'm a combo of both. I am learning to spend (a lot) less than I earn, and I've just started a side hustle to generate more income! I'm now a certified decluttering coach!
@kerstinshadow2210 3 жыл бұрын
This is my favorite episode. I watch it over and over again. My mistake was, to go shopping on Saturdays as my hobby. Well, I skipped that expensive habit years ago and donated what I accumulated. My new hobby is lending books at he public library. Only 2 Euro per month.
@KateKaden 3 жыл бұрын
Kerstin, thank you so much for the huge compliment, AND THAT IS SO AWESOME GIRL! Way to go!!!! You have a new focus! GREAT WORK!
@kelleyspears1218 Жыл бұрын
My parents, one was a saver, one was a spender. Unfortunately they never talked about money to us and I think people model the behavior they see. Consequently I’m late to the game on money knowledge. But better late than never. The Tightwad Gazette was my first introduction to frugal living and an eye opener!
@KateKaden Жыл бұрын
YASSS! Better late than never! Absolutely!!!
@jackiemcos1407 3 жыл бұрын
I can’t tell you how many people I talk to who have NO CLUE what their base salary is. Literally no clue.
@daniellecomeau2996 3 жыл бұрын
Years ago I had the most shocking but also most rewarding day when I finally sat down and embraced a budget. In my case what finally worked for me was using YNAB to get ahold of spending and income. From that point forward I have moved the needle forward in terms of personal financial stability and responsibilities. It is a game changer when you finally see where your money is going, where your money is coming from and what you are choosing to spend it on.
@NC-dv8yf 3 жыл бұрын
As silly as this may sound I am so close to being debt free that I now have a lot of extra money which I am still not used to - I guess I am not content at times until all my money is gone because that is how I am used to living when I did have a lot of debt - now I am treating other people to meals etc. cause I couldn’t do that before - so I guess I just don’t like keeping too much money 🤷♀️😉
@carolc2574 3 жыл бұрын
If your money is bothering you maybe you can start investing on an indexed fund or high yield savings account, so you don’t see that money in your checking account...or repaying your debt faster so the money is gone (but the debt is gone too)
@NC-dv8yf 3 жыл бұрын
@@carolc2574 yes that is a wonderful idea ! I will up the amount I put in my 401k and I will try things off in bigger amount or at once - thanks for responding 🙂👍
@cherieroatz4233 3 жыл бұрын
I LOVE that show. I binge watched it last year! It really helped to change my spending habits!
@KateKaden 3 жыл бұрын
Right!? It's so good!!! AHHH! Hi Cherie, have a great weekend. Thank you for watching!!!
@lylagray9669 Жыл бұрын
Til Debt do us Part got me through portions of 2017. LOVE it and LOVE your content. I have always budgeted, but I have never really tracked the groceries or other line items that vary from month to month. Watching you, Clutterbug, Natalie Bennett and Joshua Becker have really inspired me to kick start my debt pay off journey.
@abrareads 3 жыл бұрын
It really is as simple and as hard as that.
@vulpixelful 3 жыл бұрын
Yep, that show is wild. The food budget they get throws me off because it's Canadian, but besides that it's like woah. I can't imagine not knowing my mortgage
@claybrook74 3 жыл бұрын
Hadn’t been by in a while, Kate, but had to see what was up with the squad. As always, you bring sensible topics to the screen and tell people things they may not want to hear, but need to hear. Hope you and Kaden are safe and warm! ❤️
@margaretfinney6546 3 жыл бұрын
Great ,great advice.💕💕
@granitemoss1451 3 жыл бұрын
I love that show, too. Gail is fantastic, a good blend of blunt but compassionate. Another great show, if you can find it, is Larry Winget's "Big Spender". I learned SO much from these shows when we first started our personal finance journey. Great video, hope you and the little man have a GREAT weekend!
@KateKaden 3 жыл бұрын
I'll check it out! Thank you so much!
@ShowgirlMBruckner 3 жыл бұрын
Thank you, Kate!
@KateKaden 3 жыл бұрын
🥰🥰🥰🥰
@maryjanemullin6094 3 жыл бұрын
Kate thank you for all your videos
@laurenprada3335 3 жыл бұрын
Great video Kate! It really is that simple. Not easy, but that simple. And I found till death do us part maybe last year and I binged watched I think almost all of them. Gail really does show them/us how simple it really is and that we can all do it!
@villamathilda6984 3 жыл бұрын
Love this video!!!! Love it!!!!! Love from Sweden 😀❤
@KateKaden 3 жыл бұрын
Thank you so so much!!!! Thank you for watching and sharing this kind comment! I appreciate you a lot!!!!
@pamelagroves2142 3 жыл бұрын
It’s so funny recognizing our pets voices, even the way they walk. We can hear them coming & going. 😄
@CruisingtheworldwithJackie 3 жыл бұрын
I was so wrong on my food when i started tracking. Eye Opening
@pigletsbank437 10 ай бұрын
Great advice! 👌
@brendathomas4451 2 жыл бұрын
Always love your content.
@KateKaden 2 жыл бұрын
Thank you so much Brenda!
@giannagallegos1530 3 жыл бұрын
Thank you for the great tips bought Christmas with money this year not stressing about it.
@Cherylsgirls 3 жыл бұрын
Great advice as usual! Still working on digging ourselves out but the hole is getting smaller! 😃
@ravinamkaur 3 жыл бұрын
Thank you Kate for your inspirational videos and pieces of advice!! Big hugs from Italy, Stefania
@skyriverart7180 3 жыл бұрын
Simple but true! And not always happening. Great reminder! I need to keep track on my grocery shopping again. I was on top of it until this year hit and somehow lost track! You def motivated me to write the spending down again!
@janfromnycsavesmoney8723 3 жыл бұрын
Your tips are truly inspiring! Thanks so much for being you! Jan
@KateKaden 3 жыл бұрын
Hello my Jan! Adore you and your support is everything! Thank you!
@laetitialogan2017 3 жыл бұрын
Just popped in to say hello, great to see your site grow, take care...
@TheBarrelRacer101 3 жыл бұрын
I have binge listening/watching Till Debt do us part! Thank you for the recommendation! I love it!
@KateKaden 3 жыл бұрын
You are so welcome! Thank you so much for being here Shea!!!
@tinaorozco3447 3 жыл бұрын
Kate, you share some amazing tips. These videos keep me on track with my savings goals!!
@KateKaden 3 жыл бұрын
I'm so so glad! This makes me so happy to hear. Appreciate you so much Tina!
@jackiemcos1407 3 жыл бұрын
One of the Hardest lesson I learned in life ...was spending more than I earned. Don’t know what I was thinking??? Credit cards were self paying???hahahahah
@vidahappy-frugalspanglishv1528 3 жыл бұрын
Hi Kate! I also started watching 'Til Debt Do Us Apart a couple months back, and I really love the episodes- I get so excited I want my family to watch it with me, they don't care, lol... Great video as always, thank you😊
@KateKaden 3 жыл бұрын
LOL! I hear that. I'm the only one in my family pumped about everything I talk about! LOL!!!!! That's okay, we have each other!!! :)
@Lauren-ow1lh 3 жыл бұрын
I LOVE that show, too!
@KateKaden 3 жыл бұрын
Such a good show! Thanks so much for watching Lauren!
@claireattheseaside3980 3 жыл бұрын
Oooh I love that show! I am an envelope system girl normally, but a lot of shops in the uk are not taking cash during Covid so having to adapt.
@phylliscuster4512 2 жыл бұрын
I love watching you .You make me have hope .
@KateKaden 2 жыл бұрын
🙌❤️🙏
@karinklapproth866 3 жыл бұрын
I love that show!! I keep watching it and trying to follow her advice even though I don’t place cash into jars🤗
@KateKaden 3 жыл бұрын
Yes I don't do the jars either, but I can see how that would work for sure!
@lisadaniels950 3 жыл бұрын
Till debt do us part, I LOVE this show!!! Just like I love your videos! Thanks. Spend less than you earn, WOW, so easy to say, such an easy concept. Wish more of us would do this! Be blessed !
@KateKaden 3 жыл бұрын
Glad you like them! Thank you so much Lisa! SOOO glad you are here!
@lindazibluk8099 3 жыл бұрын
Great video par usual! I have been watching reruns of till debt do us part and gails other show money morons for yrs now. I cant believe how many people r clueless where their money goes. Love when Gail straightens them out and they finally see the light. Just as what you r doing for so many with your videos..keep them coming! My best from ct!!
@KateKaden 3 жыл бұрын
Thank you so so much Linda!!! Appreciate you!!!! Have a great weekend and I will see you next video!
@suebee1540 2 жыл бұрын
Great Video
@sandrafromscotland 2 жыл бұрын
"Information and motivation for transformation" you said that in this one so I thought I'd reflect it back and say thank you 😊
@KateKaden 2 жыл бұрын
🙏❤️🥰
@sussannerandall85 3 жыл бұрын
LOVE IT
@KateKaden 3 жыл бұрын
Thank you Sussanne!
@lynningram9171 3 жыл бұрын
It really made me think about budgeting when you said your son knows all we need to know. It's addition and subtraction. Just subtract less then you add in during the month!
@lisagardner9798 3 жыл бұрын
I’ve started watching that show! I’m addicted Just started watching season 7.
@rustysz1064 3 жыл бұрын
Good ole Common Sense works. That show makes my chin drop every time. 😄😄
@KateKaden 3 жыл бұрын
Right? and it's the same idea over and over again...but I get it. People want more, but if they could just spend less than they earn...Thank you so much for watching!
@cleobee5308 3 жыл бұрын
Hi I’m new here and have enjoyed your videos. I’m not in debt but I feel like I went crazy with spending this last year. So I’m going to take control in January. I just called my internet company and got my bill lowered by $15 a month for 1 year.
@KateKaden 3 жыл бұрын
I’m so gas you are here Cleo! Welcome to the family!
@judymcpheron5955 3 жыл бұрын
All excellent info. It is the best feeling in the world to be debt free, have savings, pay bills on time, owe no-one and can spend occasionally on gifts, dinners out vacations and unexpected needs/emergencies. 💕😍💕 Keep the encouragement coming; so appreciated.
@KateKaden 3 жыл бұрын
Love this, thank you SO much Judy!
@jeanneroy1494 Жыл бұрын
Good (and true) content! Thanks for your caring Self!
@KateKaden Жыл бұрын
Thanks so much Jeanne!
@preparingformountainlife Жыл бұрын
The end of debt is in sight. Thanks for your help..
@Whisky-1203 Жыл бұрын
I feel you on this one finally decided to track my two problem areas food and shopping has helped saved me a ton on money. I was that person spending around $400 over what my budget was.
@tarat26 3 жыл бұрын
OMG Kate, I've never heard of 'Till debt us do part'. Living in the UK England. Am totally binge watching this now on KZfaq. Wish I'd known about this show before - would have saved by putting off paying for NF lol. Thanks for telling us about it. I've been listening to Dave Ramsey on youtube and although I totally agree with some of the principles of saving for an emergency etc etc. I find this lady TOTALLY on my level and much easier to relate to on a more 'personal' level. It makes a change to hear 'if you follow our baby steps you need to do ....".
@bruce5895 3 жыл бұрын
Kate I spend more money than I earn but its in investments that I will get back later at my choosing. But certainly a good point for people that live beyond their means.
@kellykimball2099 2 жыл бұрын
I love the challenge of living below my monthly income....800.00 a month.....I save 170.00 every month,
@KateKaden 2 жыл бұрын
Yass Kelly!!!
@jackiefoster6846 2 жыл бұрын
Enjoyed the video
@KateKaden 2 жыл бұрын
Thank you so much Jackie!
@jonnaborosky8836 3 жыл бұрын
I love "Till debt do us part!" And what wonderful reminder about spending only what you earn. I learned decades ago (from a story about the Mars Company--you know, the candy company) only to borrow, if you must borrow, an amount that you already have in the bank, so that, in a pinch, you can pay off the debt and not risk financial ruin. I thought that was a good plan. Seems like you wouldn't need to borrow if you have the money in the bank. Seems like you could just buy it. But if that leaves you without savings, that could not be a good idea. Now that's what I learned for when I did use debt. I don't use it any more at all except for mortgage. But for mortgage, I pay bi-weekly, so that there's an automatic extra payment a year. That saves thousands in interest over the years and shaves years off the mortgage. Great video, Kate. Always enjoy yours.
@paulacostello6912 Жыл бұрын
Hi, I came across this video almost two years after the fact but was still riveted. Truly one of your best, Kate, wiser words were never spoken. I'm a Gail Vaz-Oxlade fan too. She gave me the final pieces to the puzzle. It was so bittersweet to see Buns though. Poor baby. :(
@KateKaden Жыл бұрын
Thank you so so much!!!! (Paula, sometimes I just get so sad watching the old videos and seeing his most precious perfect face...yet I'm still so grateful for those 16 years!) But ...sometimes it still crushes me. Miss him so much!
@michiganabigail 2 жыл бұрын
I need to earn more. I’m a terrible negotiator and I’ll just accept anything! But I’m working on it!
@stevehartman1730 3 ай бұрын
A guy i worked with but couldnt stand him. Had 7 filing cabinet drawers. He had 7 file folders each drawer had a year in it. The folders were designated for every expenditure. Any thing he bought no matter what it was got a receipt for it. Hed note on the receipt what the money was soent on. Hed put the receipt in behind of the last . When the IRS wanted to see his receipts he just pulled the year they wanted folder and took it in. No looking thru shoe boxes for receipts n so on. It works.
@tequilla773 Жыл бұрын
I agree. I need to spend less.
@moniquemonique3430 3 жыл бұрын
Hi Kate; well said! I even can't watch these programs because I suffer to see how people are not interested in their own budget.
@KateKaden 3 жыл бұрын
Ahh! Brutal!!!
@paolaoldham1562 3 жыл бұрын
I need to spend less!! I am working hard at bringing down my current balances (credit cards. My goal is to pay off my car and reduce my credit card debt in half. It’s hardest during the holiday!!
@KateKaden 3 жыл бұрын
You can do this!!!!
@peace-a 3 жыл бұрын
Don't give up. Binge watching Dave Ramsey, Kate, and minimalism videos is what helped me tremendously in becoming debt free and now with a fully funded ER fund. You can do it too!!
@sarah-074 3 жыл бұрын
brillant kate, I'll have to watch that tracking and money wasted on food and really needing to track were the things that changes things although I was wired as a natural spender i try to change to speech now by action the Kate method is written on post it on my pH since last yr x my girls watch your vids often and look for buns too
@KateKaden 3 жыл бұрын
Sarah I love this comment SO much! THANK YOU THANK YOU!!!!
@judymcpheron5955 3 жыл бұрын
Going to relisten to: How low can you go? 👂👍👏👏
@KateKaden 3 жыл бұрын
Yasss!!!!!!
@robinheberlig8577 3 жыл бұрын
Totally off topic - sorry, but your hair is AWESOME.
@KateKaden 3 жыл бұрын
Thank you so much Robin!
@pamelagroves2142 3 жыл бұрын
I would have thought the “biggest tip” would be tracking expenses. Tracking helps to spend less than you make. I buy 1 or 2 “RECORD, 12 column” books at Staples yrly & it’s helped tremendously over time. Label the columns, give each a spending total & start subtracting or adding as things come up or $ comes in. I’ve tried the Dave Ramsey app & just get lost every month. This is pen to paper, easily correctable.
@KateKaden 3 жыл бұрын
That’s also verrrry important
@carmendunlop2967 Жыл бұрын
As a Canadian we think Gail vazoxalade is a god!!! Love your Chanel! Thank you
@tamihill4229 Жыл бұрын
I have learned to budget 850 instead of the full amount. Learning to learn to live off a smaller amount in order to pay debt off and save for a expense car repair
@KateKaden Жыл бұрын
AWESOME TAMI!!!!!
@StacyBlack1970 2 жыл бұрын
Kate - A video you may want to make is how ways your squad has found success in getting their partners onboard with budgeting. It's such a creative bunch and to be honest it took me years to get my spouse on board. The same approach doesn't work for every household so learning how others "approached" it might be useful. In Til Debt do us Part that was instrumental. Being a broken record with your significant other isn't going to be successful. What techniques worked? Would love to hear their ideas even though thankfully I now have mine on board.
@KateKaden 2 жыл бұрын
This is a great idea because I hear that over and over that the spouse is not on board. ❤️
@arthurmantzouris4413 11 ай бұрын
I'm on SSDI n save 50 percent of my income....n the rest of it will be going to my car which I will pay for it all CASH.....!! I can only hope that I will be able to make it to my 5 year mark....😊
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