It is time to stop saying I CAN'T and start saying I CAN!!! I am discussing how you can start saving money even with inflation, high gas and groceries, kids, etc. Do you need to go on a NO SPEND CHALLENGE to start your savings? Get my NO SPEND WORKBOOK HERE ⤵ stan.store/Budgettreasures/p/get-my-budget-treasures-no-spend-workbook-now
@estherolawuyi42049 ай бұрын
IULs
@Rashaadthegr88 ай бұрын
Are you debt free?
@donaldlyons178 ай бұрын
Lady you don't know some stiff is impossible!!!
@BacktotheBudget10 ай бұрын
“Any amount of savings is saving” Thank you for that!
@BudgetTreasures10 ай бұрын
You’re welcome ☺️
@LuisHernandez-rk2tp10 ай бұрын
Cooking instead of eating out is a big money saver. I rarely eat out.
@dtr5799 ай бұрын
My wife has been battling breast cancer since October 2022. Finally she's in remission, but we have taken a large hit to our savings. I've spent about $40K out of pocker in 2023. I'm glad I'm a saver because her cancer diagnoses was unexpected and the chemo, radiation & surgeries didn’t take us under. I still have about $97K in my HYSA, so I am thankful for that.
@therapybiz2 ай бұрын
This is amazing! I’m glad you were in a position to take care of your wife. I pray she stays in remission and becomes cancer free for good.
@siakelley234510 ай бұрын
I'm a saver I save all my dollar bills change right now I have 3000 in change 5 yrs
@thequeensbudget10 ай бұрын
You are ON POINT my bestie!!! As someone 10 years ago who was 30,000 in credit card debt , I knew I was the problem. I felt so good about paying it off and getting out of debt that I then saved up enough to buy my house! This year, I challenged myself to become one year ahead in my bills. So this year, I went on no spend months, doing saving challenges, selling on ebay and I have SAVED so far this year about $34,000 , (goal is $40,000) You are right! You can do it if you have the right mindset !!
@BudgetTreasures10 ай бұрын
OH YES BESTIE!! 🎉🎉🎉 Come thru with the motivation! You are truly GOALS! This is the exact route I want to take. Thank you so much for sharing!
@lafettemorgan66769 ай бұрын
Awesomeness I'm gonna be you, I just bought a car and payments are high but the no spend months sounds good to save a little extra, pray for me..
@Evolove168 ай бұрын
Definitely need this
@PawsomeTales-38 ай бұрын
Oh wow , show us your ways
@lordsarmy65744 ай бұрын
How much did you save for a house ?
@mrsredbone8610 ай бұрын
Savings challenges do work. Although I do say “if it wasn’t for bad luck I wouldn’t have any luck at all”; I was able to pay for a new stove (because ours quit), and $600 in unexpected medical expenses without touching our savings. I’m calling it a win. 🎉
@BudgetTreasures10 ай бұрын
That is 100% a WIN!!! Congrats on not having to use your savings!!
@watchmethriving10 ай бұрын
heck yeah, that's a big win!
@kelseyfortunato784510 ай бұрын
Did you use an HSA? Or?
@dianaviera622810 ай бұрын
I finally started budgeting in October. When I sat down, I realized that I can actually save approximately $400/month. It took my basement flooding and my water heater to bust for me to figure this out. If it wasn’t for my son helping me with these expenses, I probably wouldn’t have gotten serious about budgeting. Now I’m helping him budget as well.
@BudgetTreasures10 ай бұрын
Look at that...Sometimes things happen and they seem negative but it actually turns out to be a positive
@ssance10 ай бұрын
I just put in the numbers for my store bought coffee… if i stay on buying a 3.50$ coffee 3x a week I’ll be spending about 75$ per month 💀 I thought I was being some what smart not going to a coffee shop too. My goal is to save 45$ a week (up from my current $25) and I was wondering where i was going to find the extra 10$ to pitch in but now I definitely found it 🤣 I will NOT be giving Starbucks 75$ a month
@BudgetTreasures10 ай бұрын
I love it!!! You broke that thang down!!! Congrats!!
@lildee437010 ай бұрын
Preach! It’s about doing HARD things. It’s PB&J for a week, sell plasma, selling to Clothes mentor, gathering coins from your car, couch and drawers and rolling them to take to bank, going longer between haircuts. Yes it’s HARD but it’s worth the security of having something in savings rather than nothing. Thanks for saying hard things in love bestie!
@BudgetTreasures10 ай бұрын
🫶🏾 We have to do the hard things! And WE CAN! Thank you for being here 🩷
@laurenrobbins536910 ай бұрын
I have been considering donating plasma at a center near me! Do you really recommend it? I'm okay with donating blood but this seems like it would be more of a process? Thanks bestie keep up the good work! ❤
@lildee437010 ай бұрын
@@laurenrobbins5369 it is more time consuming than blood donation time it’s 2 hrs or so. If you consider it a “side hustle” because the rate of payment is better then I say it’s worth it.
@lemongeth10 ай бұрын
Donating plasma isn’t that much more strenuous than donating blood. First they take your blood, then it goes through a lil machine to take out the plasma and then it gets IV’d back to you. It feels a little cold lol. But they give you like $150 or something the first time and then like $100 every week after that…. I only did it like 10 times in a row so I don’t know what it’s like to donate long term
@IAmPhasion9 ай бұрын
@@laurenrobbins5369it’s not blood it’s plasma and i stopped doing it because it made me feel really weak to me it isn’t worth it for $75 or $100 when the industry sells plasma for thousands of dollars. The sticking needle in you and you sit for hours. Not worth it
@lekeshahill247710 ай бұрын
I saved $500 last month with a savings challenge. I’m so proud of myself
@BudgetTreasures10 ай бұрын
I am proud of you too!!! That is what is up!!
@maryvasquez72465 ай бұрын
Wich challenge did you use to save $500 can you please share with us.
@lekeshahill24775 ай бұрын
@@maryvasquez7246 I bought savings challenge from Amazon.
@Scowlingoverlord10 ай бұрын
NO Is my new favorite word
@BudgetTreasures10 ай бұрын
😂
@aj-jt1we10 ай бұрын
I’ve stopped getting my nails done , I still have a coffee habit I’m trying cut down , I got a raise , I’m side hustlin , doin it but still struggling to save . Goal is to have 1,000 e fund by Jan 1 2024.
@BudgetTreasures10 ай бұрын
You can do it...I would suggest a No Spend...I know that you are not getting your nails done but are you spending on other things?
@nicolasbenson0099 ай бұрын
Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly.
@Derawhitney5 ай бұрын
Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.
@Jersderakerguoe5 ай бұрын
Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.
@SandraDave.5 ай бұрын
Mind if I ask you to point at how to reach this particular person assisting you? Seems you've figured it all out unlike the rest of us.
@Jersderakerguoe5 ай бұрын
Finding financial advisors like Margaret Johnson Arndt who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
@Mathew-zs3nz5 ай бұрын
Appreciate this recommendation, hopefully I can get some insight to where the market is headed and strategies to beat the downtrend with when I hear back from Margaret.
@BudgetingandSavingswithVe10 ай бұрын
Yess!!! Unpopular live with someone I live with my granny it’s allowed me to save thousands; it’s uncomfortable 😣 but it’s the BEST Financial decision!!!
@BudgetTreasures10 ай бұрын
The Best!
@AdrianRomeroJr4 ай бұрын
facts or teaming up with Family can create a win-win scenario, sure you might be tight on space but sacrifice for a year or two and stack up! I bought a house with family and my cut of the mortgage is $600 in Los Angeles, sure not the nice side of Los Angeles but also not the worst!
@lenabellamy126210 ай бұрын
I can make the prettiest budget, but I can’t stick to it for some reason 😂. Just got diagnosed with ADHD at age 50 so that might be part of it. Looking into some triggers of my impulse spending. Great information in this video.
@indiacarter412010 ай бұрын
I have ADHD. I put my saving in a completely different bank so I don't see it. I also have my savings amount auto draft from my paycheck. You don't have to do anything else once you change your direct deposit.
@missfroghophophop695310 ай бұрын
I have ADHD too. Some things I do that help me with is make saving and paying debt off a game. We chase dopamine and that gives me a similar buzz as shopping . To help me stick to my budget I went to dollar tree and bought a jot 6pocket check organizer. I labeled the pockets groceries, gas, receipts, treat, monthly budget tracker, notes (note pad and pen in there), and treat. I take cash out every month in cash for those categories. I then keep my cards like debit card in a change purs with a zipper. And then put that in a pocket with a zipper in my bag. This way it takes longer for me to take my card out and it gives me a few extra seconds to think. Helps with impulsiveness. You got this!!! Check out how to ADHD . Great resource .
@missfroghophophop695310 ай бұрын
Also I would 💯percent keep track of you mood. I do that in my agenda /calendar and I compare my mood to how many recipes I have for that day .
@shawntiamorgan349310 ай бұрын
Me to don't feel bad I suffer tremendously! It's also tremendously frustrating 😢!
@MkItMkCENTS10 ай бұрын
Kudos to you for getting diagnosed so you know what is impacting you! Impulse control & budgeting is a bit different when you live with AD[H]D but there’s ton of literature on it these days.
@chico51010 ай бұрын
I'm clawing out of debt. I also want to manage my money and my shopping sddiction brtter. And I finally sat down and was like, alright, listen, self, we gotta talk. My "eating out" is now $20/mo. Groceries is now $140/mo. And I do pick up orders so I don't grab random things and end up spending past my budget. I gotta get it together and I think everything has finally clicked. (On this the 10th month of my 37th year but that's beside the point.) No more books or games. I have a "no spend" tracker that I color in every day that I don't spend (on unnecessary things) and I'm at 8 days so far. For someone with a shopping addiction, that's pretty good! Hoping to go the entire month without spending and then just keep carrying it on! I can do this because I have to! Thank you!! ❤❤❤
@BudgetTreasures10 ай бұрын
The talks with ourselves are the best.
@tabbyb35149 ай бұрын
Wow , just curious, what things are you buying and cooking that $140/mo in goceries is possible?🧐🤔 I'm asking because that's actually impressive to say the least! I've spent a $140/week yet still trying to put meals together just to be back at the store AGAIN days later 😢😢
@kaiulanisallas90058 ай бұрын
I loved your tip about removing temptation and also replacing KZfaq videos from shopping to budgeting! So genius
@domoniquemiller222610 ай бұрын
Me and my family are moving back home with my parents and will be renting our house to pay off debt and save money. I’m excited to go back home and my mom can’t wait to see the kids every day!
@olgaramirez14476 ай бұрын
I did it. Lived with my sons and after 4 years I bought my house. You can really save money.😊
@anjanaokwuma912810 ай бұрын
I started out by saving my change. That change in the bottom of the purse, in pant’s pockets, couch, even pennies on the ground (add up) etc. As an adult I still have my change jar, and at the end of the year add it to my savings I love it. An additional $400 I wasn’t expecting
@jcbaarton10 ай бұрын
I live in San Diego and make about $2200 a month. I first started off with renting my car on Turo which helped tremendously, but once I started school back up I wanted to focus on school. (Social Worker in the making) I even thought about moving to Tj, but instead got a roommate. Looked at my finances again and paying my debt off even faster so I can have that Financial freedom! I just tell myself it’s for the greater good❤
@BudgetTreasures10 ай бұрын
It is for the greater good for sure
@BlackBeauty-yl8uq10 ай бұрын
Relocate because that’s enough money to live well in many other places
@jcbaarton10 ай бұрын
@@BlackBeauty-yl8uq maybe after I graduate!
@lorena929669 ай бұрын
My tips: skip a meal/fast or only eat twice a day; have a super inexpensive meal 1-2 times a week like baked potatoes with toppings or rice and beans: stop doing nails and pedi’s; skip coffee/tea out and make it yourself and have a money jar to show yourself money going to you instead instead of to someone else; limit movie rentals to 1 per month or watch only free ones; find a consignment place and do a major decluttering of your closet and jewelry; eat all your food in the freezer you have been passing by; learn to cut your own hair or extend your cuts to only several months keeping a simple hairstyle; pray and ask God to bring in extra funds ( make sure you are in a personal relationship with him); dilute your laundry detergent by up to half extending it twice as long; pick up change on the street, find Someone your size and swap or borrow clothes for a time and do a budget every month. Change who mentors you instead switch to people wise with money, gifting, decluttering, side gig helps, food saving tips etc. Watch your money, contentment and countenances grow.
@animegirl30010 ай бұрын
I just started saving 💰 to save $1,000 for an emergency saving account. I'm doing the roll the dice saving challenge as a starting point. Also my work 401k company offered a rainy day account that is automatically deducted from my paycheck. Of course I signed up right away so every week I'm going to save $26. I feel like it was the most perfect timing for this service since I made the commitment to save $1000. I think it was God giving me a sign.
@BudgetTreasures10 ай бұрын
I am glad that you are on it!! Keep up the good work and work your plan...Your future self will thank you!
@TheBudgetingIntrovert10 ай бұрын
This was amazing to listen to. I was guilty of always putting money in my savings, I got it over $1,000 and then moved it back to checking because I would pay it back later. Of course I never paid it back and my savings was gone. I’m sticking to my budget and I am growing my savings again with saving challenges. ❤
@BudgetTreasures10 ай бұрын
Savings challenges are soooo much fun and much helpful
@zettiejoseph361610 ай бұрын
Saving challenges are cool... I do a very small challenge the $5 a week challenge. I'm retired and that's what I can afford but I did add a twist to the challenge instead of saving $20 a month I save $30. Keep up the good work
@terryhenderson4249 ай бұрын
Next time, consider getting a CD from a bank or credit union. Back in the day, the smallest CD you could get was $1000 but I understand there are some $500 CD's. CD's come with different terms and rules for due dates, penalties if you cash them out early, roll over, amd more. While you are saving up again, I suggest checking in at different banks and credit unions in your area to see what type of CD'S each offers.
@terryhenderson4249 ай бұрын
If you're carrying debt, I recommend doing smaller savings challenges then re-directing that or some of that money to extra debt payment.
@anitamckinney70859 ай бұрын
Great video !!! Your right , if we don’t save a little ($5) even it’s on us !!!!!
@amyfletcher47494 ай бұрын
It helps ao much to put it on paper. Don't like it redo it! Make it work! Keep it real. We all have a grand plan but may not be obtainable with the amount you make. I have this issue...lol I want more sinking funds.
@lisamalwitz85175 ай бұрын
Minute 20.05..."I didn't want to say it." 😊 YOU are the problem, if you are not taking steps. Everything in life takes incremental steps to get to where we want to go. No one is coming to pick you up to take you there. It's a solo trip ultimately. Even with a partner/family, each has to DO their part. Thank you. Nice video!
@angieayers117710 ай бұрын
Watching KZfaq videos on budgeting and cash stuffing helped me to focus on my budget. If I ever feel out of control again I binge watch my favorite KZfaqrs to help me refocus!
@BudgetTreasures10 ай бұрын
Same here!
@lifewithklc10 ай бұрын
I didn’t do an overall no spend, but I did do a no spend on Grubhub, Uber eats, Potmates, etc.. I saved $300 in one month. I paid down a CC with that. I cooked at home, and ate Healthy Choice for lunch. My lunch alone went from $20+ a day, to 20 a week.
@earthling99810 ай бұрын
All true and great advice! If you’re in a tough spot like me, one thing I did was return items that still had tags on them. I was able to get refunded around $500 back onto my credit cards (stuff I thought I absolutely needed when I purchased them 🙄). Even if the items are past the return window or I didn’t have a receipt, I could still get store credits. That especially helped me out at Walmart and target because I could then buy groceries and essentials with the store credit. And I no longer go to a store or the mall just to ‘look’
@angelaghafoori737410 ай бұрын
Thank you for this information! I started an IRA account for myself and my family started a $20000 savings challenge. The entire family is contributing to our “families” savings. We have a tracking sheet posted and mark off the amounts we contribute to the account.
@BudgetTreasures10 ай бұрын
That is pretty DOPE! I really love that idea to have a family savings...Thank you for sharing
@autobotdiva926810 ай бұрын
make sure its a roth ira
@memikaoru9 ай бұрын
Great video. I watch several youtube videos on how to trade in the market but haven't made any head start because they are either talking some gibberish or sharing their story of how they made it and I do not want to make mistakes by taking risks in my own hands
@lucassilva-ib9rx9 ай бұрын
The best strategy to use in trading is to trade with a professional who understands the market quite well, that way maximum profit is guaranteed, I'll highly recommend Evelyn Infurna, she is my current trader and her strategies are working
@memikaoru9 ай бұрын
This is not the first time am hearing of Evelyn Infurna and her exploits, how she handles investments and generates good profits, she has really made a good name for her self, but i have no idea how to reach her
@memikaoru9 ай бұрын
Thanks, I just googled her and I'm really impressed with her credentials. I reached out to her since I need all the assistance I can get.
@VilmaCanete-ty4jg9 ай бұрын
The truth is that, with this recent economy everyone needs more than their salary to be financially stable. The best thing to do with your money is to Invest it rightly because money left for savings always ends up used with no returns...
@ZioMatrix0019 ай бұрын
I'm from Germany 🇩🇪 I used to take loan from the bank for surviver but after trading with expert Evelyn she changed my financial status for real
@mariayoutubing10 ай бұрын
Jazmine, I found your channel yesterday and haven't stopped watching your videos one after the other! I love how we're from different parts of the world (I'm from Portugal but based in Germany) and I can still relate to so much you say, your values and communication style! Also, daughter of a single mom here, so you have my utmost respect ❤ I always feel your warm energy through the screen and like I'm spending time with a caring person! Keep up the amazing work, we're so thankful to have you and for sharing your vulnerability, your story and the tips you've learned among the way. Will continue following!
@BudgetTreasures10 ай бұрын
WOW!!!!! Germany...😳 I just can't believe that my videos are being seen across the world. Thank you sooo much for your comment! It means the world. I am so glad that you are hear....You add to our community of amazing besties😀
@judith34138 ай бұрын
I get a check once a month. Saving $100 a month would help me. I have tried cutting down on gas and food by $10 and if possible, $20 a month. I cancelled subscriptions I wasn't using, and the ones I was using too 😂. You shouldn't pay for something you can't afford. I've also been trying to cut down on fast food.
@juicystoriesinc1435 күн бұрын
This lady keeps it real...with KINDNESS. Thanks to her for telling us what we need to hear while still being nice❤
@BudgetTreasures4 күн бұрын
❤️❤️
@sdixon050210 ай бұрын
This video is right on time! I’m sharing with family members who will say “I don’t have enough to save.” I’m working hard on my budget and savings, and trying to positively change my family tree.
@BudgetTreasures10 ай бұрын
Yes, please share...It is the hard truth...We can save if we really want to...Thank you for being a true example and light to your family.
@extremesports109 ай бұрын
When you said don't move the savings 😂, I was like how does she know me?!
@antoinewright461210 ай бұрын
Living with someone else is as worst as struggling alone. As soon as a person gets their financial situation together, or their money start looking better than it was before (raises, promotions, etc), then others wanna change up and throw in your face of having your back when you were down, more like a bit of jealousy because those eyes can turn green in no time! So NO, rock it alone as much as you can, you’ll definitely thank yourself later...😊😊😊
@BudgetTreasures10 ай бұрын
Oh nooo... That sucks....I know that is not the case for everyone....My family, thank GOD is not this way...It was never thrown back in my face being able to live with my brother...I also never through it back in my other brothers face for living with me and being of help...I do know that is not the case for some...However it is the case for others....
@imanjones82406 ай бұрын
Love living alone with my kid
@shoebill181Ай бұрын
Best to not talk your plans or finances, but always pay your agreed upon expenses on time.
@joanhyson323210 ай бұрын
Thanks for this message. I just started this journey a month ago and I was feeling very defeated as I overspent and all my well laid plans went up in flames. I am buckling up for October and this message was just what I needed…thanks sis♥️
@BudgetTreasures10 ай бұрын
You got this Bestie. It’s all good. It happens. Good thing is…You can dust yourself off and try again!! 🩷
@zettiejoseph361610 ай бұрын
Buckle up girl u can do this🙂
@mygoodlife20410 ай бұрын
I'm on a no spend for the next 3 months. Want to start the new year on a good footing
@BudgetTreasures10 ай бұрын
Yup! Same here!
@renavarges38526 ай бұрын
This video was so inspiring for me. I'm keeping my penny jar. Any savings is saving and its definitely a starting place. Thank you for sharing this!
@reneeslembarski10 ай бұрын
I CAN!!! Thanks for the tough❤. I have gotten my finances into a much better place this year, starting to pay down debt, saving an emergency fund, etc. BUT I’ve known for months that I need to bring in more income to make my goals. Yes I CAN find a way to bring in more income. Thanks for the encouragement, this was a great video.
@BudgetTreasures10 ай бұрын
I CAN!!! WE CAN AND WE WILL!!!! Absolutely! Let's go Bestie. I am proud of you for the progress that you have made thus far!!
@ReneeRobertson10 ай бұрын
Thank you for being brutally honest. You were talking to me.
@BudgetTreasures10 ай бұрын
You got this Bestie!!
@justinabattle44110 ай бұрын
Girl the youtube videos be having me in a choke hold. I be holding back tears watching those perfume videos 😂
@BudgetTreasures10 ай бұрын
😂 Listen. I am RIGHT WITH YOUUUUUUUU. I’m like not another new one. I didn’t even get the last new one. Bestie. I feel you forreal! 😩
@justinabattle44110 ай бұрын
@@BudgetTreasures And my teenager doesn't make it any better. "Mom we have to smell this....and then you have to get it for me" 🙄🤣
@budgetforsuccess83510 ай бұрын
Yes! I had to stop watching car videos to not be tempted to buy a car because I am waiting on what God wants me to do.
@maryellengutierrez214010 ай бұрын
Omg! I just had an ah ha moment! I’ve been on this journey for 5 months and as i set up October budget I realized I was the problem! Just like you said. So for October I’m doing my own tracking and no spending! I was good at justifying the extra! Not any more! You were spot on with this topic! Pushed me to do better! 💜💜💜
@BudgetTreasures10 ай бұрын
I am glad that it was helpful to you Bestie...I pray that your October is blessed with new behaviors that will contribute to your success. Now go kill it!!
@christinegabrielle166510 ай бұрын
Thank you for this video! I felt convicted when you brought up the food delivery apps 🙈 but I’m deleting them right now. Keep doing what you’re doing, you help us stay motivated :) sending love and blessings. May God keep you and protect you!
@BudgetTreasures10 ай бұрын
THank you so much Bestie!
@Amanda-yq2mc7 ай бұрын
My money saving tip is I have been doing grocery pick-up since covid. I have been able to budget better on groceries that way since I'm not impulse buying when in the store or shopping hungry. When i need produce or meat then I'll stop at the grocery store. I clip coupons on their app and do their rewards program. I'm so glad to find your channel. Looking forward to saving more for year 2024!
@MaggiePhigeland6 ай бұрын
Amen to this.The TRUTH will set you FREE. Budget budget budget . Thank you for this.
@annettelloyd21403 ай бұрын
Thank u seriously 4 the bestie honest moment we all needed to hear that
@TheBradpitt100410 ай бұрын
Thank you! I am the problem for no savings and being broke every month. I am retired and I still need to do a side hustle to make up for money needed. Ugh.
@BudgetTreasures10 ай бұрын
It is okay...You can change it for the better
@amarashy701310 ай бұрын
I save approximately 5000/8000 a year I will say what helps me is figuring out how you save I am not a small amount saver but lump sum one every time it’s a magic month for me I save 85% of that check some of us typically get two magic months a year so this is how I’m able to save larger amounts and consistently. Also I want to thank you for your channel its sooo inspiring and refreshing you’re very informative kind uplifting and transparent!! I am a new subscriber/bestie and I LOVE your content!!!!
@BudgetTreasures10 ай бұрын
Aweee!! Like, you guys are gonna make me cry...Forreal...I am sitting here reading and responding and I just gotta say THANK YOU!!! I let God speak... I seriously listen to what He tells me to record....I am speachless...💜💜
@amarashy701310 ай бұрын
@@BudgetTreasures I LOVE how is first also!!!! You’re the truth!!!! A Gem thank you for your information I can’t wait to support your business!!!!
@juliedickson172110 ай бұрын
As far as clothes, when You get the urge to shop/ window shop, is to have a shop your closet party. Fun music, take everything out of closet and re/mix all your clothes, accessories and shoes to come up with new outfits. Take pictures of yourself in the outfit etc. you’ll see you already have plenty
@BudgetTreasures10 ай бұрын
That is pretty cool and different. I love this idea
@4lizlemon10 ай бұрын
Having savings automatically drafted and into a high interest CD worked for me to save. It goes in, generates interest, and I can’t touch it till the cd expires. You should do a video on compound interest. I feel like a lot of people just don’t know. 😊💰
@Kristel2805 ай бұрын
I just got my rent down by moving in with two roommates. I am 35 years old and it's ok. I am saving so much money on this. On the same time I just spent 8 bucks on popcorn that I didn't even like. It's a progress ❤ and a process. Don't be too angry with yourself!
@brittanychoice519710 ай бұрын
I did find that doing the cash method worked for me. It was always home, as I am hardly home, I wasn't able to spend it. Because if it is in the savings and I can transfer, baby I am going to transfer. I started my journey last year when my car broke down coming from my son's football game. I was an hour away from home and had to leave my car on side of the highway. I didn't have any money to get it towed or fixed. Luckily I had a friend who was able to loan me the money, but that opened my eyes and I said I don't EVER want to be in that space again.
@kelliprevich432310 ай бұрын
This is the most honest, yet caring video on saving I’ve ever seen! Thank you so much!!!
@BudgetTreasures10 ай бұрын
Aweee! Thank you ❤🤗
@impalamama7302Ай бұрын
I think the number one action you can take to start saving money is to set goals. Long term and short term. It becomes far easier when temptation hits or when you are weak for whatever reason to have motivation to stay on track. Having goals will give you that motivation. Seperating wants from needs and being honest with yourself you can find little bit here little bit there it adds up.
@donnae19949 ай бұрын
Here is a big motivator. Get your hubby on board. You can keep an eye on each other. Being accountable to someone improves your chances of success. ❤️❤️
@cocochick36124 ай бұрын
I shop goodwill and make my coffee. My only habit is diet coke crushed ice daily
@esmeraldagems94879 ай бұрын
Also, remember your W4's as well! You can have your employer take a few dollars out of your paycheck every pay day to give to the IRS to go to federal taxes so you can get a bigger refund during tax season. I've been doing that the past couple of years. So it's helped me by a few hundred. 😅😊
@MariaGarcia-gv8hj8 ай бұрын
Now I have more knowledge about personal finance, thanks to your channel, I just subscribed.Big ups to everyone working effortlessly trying to earn a living while building wealth in this recession. I’m 45 and my husband is 51, we are both retired, no debts. We are currently living a frugal and financially savvy lifestyle and generating passive income even during this recessionary period. Our commitment to saving and investing in the financial market has enabled us to maintain this lifestyle and continue earning monthly passively through investment.Traveling is now on our horizon, thanks to our financial choices*
@laura22558 ай бұрын
Congratulations on your early retirement, Interesting indeed! Currently, I am in dire need of investment advice or tips. Earlier this year, I hesitated and failed to take any action until now. However, I am determined to try something new, as I am very receptive to various investment ideas. I want to be retired in my forties or fifties, I really wish I can achieve what you and your partner have achieved. I believe it will surely happen.
@jeanm463210 ай бұрын
I'm old school too. Great video with lots of good tips.
@BudgetTreasures10 ай бұрын
Thank you!
@elizabethmercurius8276Ай бұрын
U hurt no one is the God truth u speak bless you for sharing this video
@jessicapaul588410 ай бұрын
Hey!! Thanks for the great tips and explaining the tips!! I'm trying to save and pay off debt. 😊
@BudgetTreasures10 ай бұрын
🩷❤🙌🏾
@joymccaskill48229 ай бұрын
I'm agree with you that these gas prices in Cali are ridiculous. I budget with a disability budget.
@ruthpullis927910 ай бұрын
I'm on low-income what I do to save money it helps say I spend 6.28 rounded up to $7 in my checkbook. I'll subtract the $7 from the 628 and put it in another book and whatever the balance then if I have to pay a bill whatever the pennies is I round it off to the next bill at the end of the year I was surprised and how much money I saved in the checkbook.
@stowie773310 ай бұрын
Great video! I’ve gained a lot by watching your videos and the straight talk is what we need to hear. I know that I was the problem with overspending before but one day I “woke up” and just said STOP. I am the reason for being in debt. I can try to blame the economy, the politics and the fact that my parents never talked about money to us kids, but I’d still be fooling myself. I am where I am because I chose to spend and not save. I gave myself the butt-whooping I needed and changed my thought process and my spending habits. I still make some errors now and then but I no longer beat myself up. I learn from my mistakes and keep looking ahead. I got a roommate and a second job. All income received from them goes to debt repayment. I hope to be out of debt (except my mortgage) by 2025. Keep the good stuff coming…every little bit helps in planning our financial future.
@kitticecarouthers537010 ай бұрын
Lady Jaz you are the absolute best 👍%100 percent!🙂
@BudgetTreasures10 ай бұрын
Aweee!! You are to sweet 💜 Thank you
@ItsmeTinaP10 ай бұрын
Thank you so much for sharing these tips!! And everything you mentioned is so true. Getting your finances together is totally a mindset thing and it's so hard to change when no one taught you in the beginning. Unfortunately I am going through a divorce and will be moving back in with my mom. At first I was thinking that this is a step back but giiirl, I have written everything down I want to do while living with my mom (paying my car off, building my emergency fund, saving for a down payment on a house, and etc) Who knows...this could have been the very thing I needed to start over fresh. Thanks again for sharing.
@sherrimcleod3110 ай бұрын
great words of wisdom sista love ya
@BudgetTreasures10 ай бұрын
Thanks for listening 💜
@Shasta3148710 ай бұрын
I just think you are delightful and I love hanging out with you. Some people need to hear these hard truths and it is much nicer coming from a bestie.
@BudgetTreasures10 ай бұрын
I love hanging out with you!! Thank you so much for taking time to comment! I appreciate you!
@jenkooper864710 ай бұрын
Boom! Real talk ❤
@BudgetTreasures10 ай бұрын
💜🤗
@mmone117810 ай бұрын
Thank you soo much for sharing 🤩🤩 This video was for me. I will do better in saving and no spending
@BudgetTreasures10 ай бұрын
💜
@generalanesthesia672910 ай бұрын
Nothing good in life is easy, and the work I put in WILL bear fruit! It’s a win! I see that now, and I just need to get a weekend job. I’m lazy. I lay around and do nothing or I shop and eat out and wonder why I’m overdrawn. I could be making money and be out of debt! And be free from these money problems I’ve created! What am I waiting on?! 🔥 Thank you so much for this video. That was tough, but I needed to hear it. 💗💗💗 updating resume and applying NOW!
@BudgetTreasures10 ай бұрын
Absolutely! You are in total control and u got this
@Mindyhartwick10 ай бұрын
I used to do the whole put money in savings then pull it out again, so I opened a Capital One account separate from my regular checking at a different bank. I have no debit card for the Capital One account. I do an electronic transfer when I get paid into separate accounts I have set up for Christmas, vacation, and misc expenses like car repairs and registration. I takes two days for money to go from one account to the other, so I can’t just impulsively transfer money back to my checking account. This has helped me so much. I haven’t had to worry about how I’m going to pay for Christmas in years and it’s been great!
@teeisfree719910 ай бұрын
Thank you so much for keeping it real. At this point coddling is not what I need. I need this!!! We can do it!!!❤❤❤❤
@_shannons3 ай бұрын
I lived with my parents an extra year after graduating college and it was hard but it saved me So Much Money. Now that I can afford to live on my own a while I never take that luxury for granted.
@aliciaamond814810 ай бұрын
Fill your inner circle with not only people that help motivate you, they also keep you held accountable
@laurenrobbins536910 ай бұрын
YOU ARE SO RIGHT THO, BESTIE! 🙌 I had to realize that I was the problem and I had to change! Dave Ramsey says a child chooses what feels good and an adult follows a plan. You know Dave Ramsey gives the tough love haha but you are both EXACTLY RIGHT! I needed a wakeup call and now I'm saving and paying off debt it's possible you just have to want it and work hard and learn to say no. I know I could do more too but that's also a choice too! We're all still learning ❤ and sometimes besties need tough love! Thanks for keeping it real friend 😁
@BudgetTreasures10 ай бұрын
Absolutely! We allll need and can do better...Dave is a savage...😂 I have heard him sometimes give some realllll tough love...I am proud of you for making the change!
@nyaropelizabeth26692 ай бұрын
The best way I save is joining a Mary goes round and I make sure I’m the last to receive. So far it’s working for me 😂
@noelledayhoff475210 ай бұрын
Gurl! You were talking directly to me. I hear you, I see you sister. I am the problem 😂 getting back to cash envelopes truly was a game changer in savings. Just started with savings challenges and tracking the savings. Have gone from under $50 a month to nearly $200. Just by paying attention - to my spending AND excuses. I'm here for it. Drop those hard truths, I'll pick them up, may be with some side eye but without truth you can't grow. ❤
@BudgetTreasures10 ай бұрын
You are right! Just by paying attention and making savings a priority changes is a GAME CHANGER!!
@anaveragemuppet9 ай бұрын
The day before I get paid, I transfer every penny into savings. Then when I’ve been paid, I round my savings up to the next £10. I get paid 3 times every 4 weeks, then I get paid interest every month and I’ll make that up to the next £10. I am also overcoming hoarding so once a week I work out what I would’ve spent on the food ant toiletries etc and put that money into the savings account too. I put it all into an account that pays 4% per year interest but it pays it monthly. But if you take money out, the interest drops to 2% per month and that’s a good deterrent for me. I’m saving up for surgery which will be costing me £15400.
@griseldacorrea10 ай бұрын
Amen!! 😊 all the reasons you gave are ACCURATE. It does take strength to recognize that sometimes we are the problem, but once you accept it and process those thoughts, you will find a way to save. Thanks so much for sharing, I love your videos, always on point! Sending much love your way!
@BudgetTreasures10 ай бұрын
Thank you sooo much!!
@julietnaitram6694 ай бұрын
I came across your video by chance and it felt like you were only talking to me, thanks for being on point, i will certainly take your advice my friend, God bless.
@BudgetTreasures4 ай бұрын
Thank you so much for being here! We are all in this together!!
@angelastewart94979 ай бұрын
People say pay your self first . But how when you are in the negative. When you have more bills then money.😢
@marjoriemcintosh66098 ай бұрын
I’m so happy I came across your channel. I struggle with savings and you really broke it down and make it easier.
@Chrissychris7946 ай бұрын
I've been binging yout channel all day. Im so glad I found you! Im so ready to crush my financial goals and start another stream of income.
@EnneagramEcho6 ай бұрын
I subscribed at the very respectful... "... then you are the problem." 🤭😊😅💖 Ha! Truth.
@LifeWithJade943 ай бұрын
This is the first video of yours I have ever watched I believe and it was a real eye opener, thank you xx
@AntionetteB8110 ай бұрын
Yes I'm definitely going to stop door dashing and make time to bring food from home to work.
@BudgetTreasures10 ай бұрын
That will save you some good coins!
@deborahsimpson273210 ай бұрын
Didn't see the poll but I just closed out our September budget yesterday. I showed the family the percentage of which categories cost the most for us per month. My husband said that the cost of food has doubled along with the cost of gas but our income has not doubled. What we could do in 2019, 2020 regarding "extra things", there is no way to do them in 2023. The elephant in the room: elections have consequences. Thank you for all the encouraging financial management videos and the support out there that we can make it through to victory fighting a system that is bound and determined to keep us down. Pay your tithes, pray and may God help us.
@BudgetTreasures10 ай бұрын
May God Help US!!!!
@robyn_southafrica10 ай бұрын
Been through a dozen or more saving advice videos, but this one by far, is the realest, rawest, no-nonsense best advice video I've watched. (I have come to terms with, and accepted, your last point: I am, in fact, the problem 🙈) Bestie J, thank you for that. I appreciate it 🥺 and I appreciate YOU!! 😘🥰🤍 New subbie here 😃😃 GOD BLESS!❤
@vanessawatson73810 ай бұрын
You are the reason why I started saving money. Thank you so much, I love your videos ❤
@BudgetTreasures10 ай бұрын
Awee! I am proud of you! You are doing the hard thing!! What I love is that the hard thing becomes the easiest thing after a while.
@nikkiedwards747510 ай бұрын
This year has been about cutting out the subscription. I think scrolling is a big one for me, I can pull out the CC and all good. I broke my ankle in September so I have been using door Dash. Man I could have saved so much if I hadn’t broken my ankle. After watching this I think I’m gonna start the $1 & $5 challenge. Sometimes you have one or five dollars left over from your check.
@shauncathey9365Ай бұрын
Love your Realest and Honesty 💯
@evecadet21209 ай бұрын
I just happened to listen to your video. I must say that I honour your truthfulness! Thank you!
@silaumuatuufuli9124Ай бұрын
That's real talk. There is a way. Thank you.
@Jackcc510 ай бұрын
you know what I appreciated the most 😌 your honesty at the end of the video thank you
@razzledazzle593310 ай бұрын
👏 YES 👏 I was the problem. I made the changes, and im seeing the results. Thank you for being you and being blunt!❤