I can't think of a more boring and wasteful action than walking in nature..I get energy from being with people.

@@Joce123 it’s even more fun to walk in nature with people! My fave activity actually!

@@Joce123 Yup, that means doing that stuff with people. Also sitting outside in cafes for a cup of coffee (1.6€) with them, I am from Europe. Also sitting on a bench with neighbours on children playground, assisting them or keep an eye a little... And helping elderly in the community, walk with them... And helped immigrant families set up their printers for children for school, etc...

Good job for you.❤5.0

You're a precious soul! Ignore the negative! God Bless!

I budget using excel too lol

I do too! Life saver. Love it!

I used excel for a long time, and it works great for both setting and tracking. I just recently switched to a free app based on the envelope system because I can use it right as I'm spending instead of recording things when I get home. I think the important thing for anyone is that you need a system that both sets the budget AND tracks it in real time.

@@wjb-wi6dt I usually record as I go...but there have been times I have waited until home. Whatever works for you!

Same

Wow that’s awesome! Are you a full time server?

She has videos on different budgets, I saw one for $3600/month

Me, too, Ashley!

Have you talk to your HR to make sure you are not letting IRS withhold too much during the year

It's fairly simple...you have 100% to start with. Take $1200x2=2400. Take $2400x35 for housing expenses (payment, utilities, insurance) $2400x 15 for car, (gas, insurance, repair), 2400x15 for groceries, leaves you 35% left for miscellaneous, clothing, allowances, insurance, etc. It can be done. My parents do it but they own their house with no house payment....

This is about what my husband makes, and we are struggling! We have 10 (natural born, nuclear, biological) children 13 and under and I'm a stay at home mom. We do own our house, and all our vehicles outright. We have one credit card to pay off, a line of credit with a farming company and a loan we took out to cover a new roof and some brick work on a building we own.

Yep that’s what we did 30 years ago and never moved, put the extra money into kids education and now we are renovating to make it new again, not wasting my money on taxes

Do you recommend new construction or an older house?

@@laqueciawilson6381 Either one. Just get the best deal. If it were me, I would get a home inspection too.

It’s hard to live life with high home expenses… plus bigger homes have higher taxes and higher utilities! We keep it cozy and save $$ and travel more.

@@laqueciawilson6381in my experience you pay less for old house but pay more for renovations and maintenance… just buy the best house in your price range regardless of old or new. Location matters most! Lots of old homes have great school districts.

Making money is action, saving money is behavior and Growing money is knowIedge.

I am fortunate I made productive decisions that changed my finances (accumuIated over 1MiI in 2years) through my financiaI coach. Bought my 2nd house in January, and hoping to retire at 53 by next year.

researvh the name, if you care

Rebecca Martin Watson

l’m amazed to partake on this, lt has rekindled the fire to my goals.

you're right! to be a successful person in life requires only friends of hard work and time

It's obvious everyone is doing this online Investment

​@@SarahColemann I totally agree with you it has been an eye-Opening experience for a lot of teenage.

Investment is the key to achieve success with the current pandemic slowing down so many business

Talking about been successful. I know I am blessed if not I wouldn't have met someone is as spectacular as Nancy almodovar

I’ve diversified my 350K portfolio across various market with the aid of an investment coach, I have been able to generate a little bit above $730k in net profit across high dividend yield stocks, ETF and bonds.

I agree with you. I started out with investing on my own, but I lost a lot of money. I was able to pull out about $200k after the 2020 crash. I invested the money using an analyst, and in seven months, I raked in almost $673,000

@@jamesfriedrich1150 Please will you be kind enough to share the details of the man that helped you?

Bella Mia Darmon is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment

Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing.

If you don't have a miscellaneous category you assume your budget is perfect, which usually not (maybe never) the case

Hoping to get to this level 🎉

Please how can someone get started, I would be glad if anyone here can explain a few things to me about investment?

In my case Fergus Waylen has assisted me in doing that effectively, I'm not an expert so I lack experience in investment strategies, I work and my consultant handles the rest..This approach has helped me stay finan-cially secure for over five years,

I am surprised that this name is being mentioned here, I stumbled upon some of his clients testimonies on CNBC news last week..

What impresses me most about Fergus Waylen is how well he explains basic concept of winning before actually letting you use his trade signals. This goes a long way to ensure winning trades.

YES! that's exactly his name (Mr Fergus Waylen) I watched his interview on CNN News and so many people recommended highly about him and his trading skills, he's an expert and I'm just starting with him....From Brisbane Australia

Exactly. Tires are not an unexpected expense. Niether is Christmas, birthdays or school starting.

Yes that's something I'm looking to get better at because Thanking God in ways especially at Church and the blessings double and triple out of nowhere sometimes 🎉🎉🎉

Are you dying Rachel is single? Cause she definitely named her husband.

How does options work? Is it trading, can you please show me how to start mine

Yes trading, but I’m not the one handling it… I have an expert who does that

Stocks is one very big and secure way to invest and grow money trust me

@@finny_ thanks for the response, who helps you and how can I get started also

Benjaminravies that’s his gmal

Despite the fact that I invest, I am saddened by my inability to evaluate each company's performance and determine whether or not this is the ideal time to purchase stocks. My monetary stockpile is being depleted by inflation. At this stage, I need accurate market trajectory data, but I'm not sure what to do.

Many people are still getting fantastic returns on their investments during this time. Simply maintain a strong sense of reality or ask for professional assistance.

That does make a lot of sense, good for you though, unlike me, you seem to have the Market figured out. Who is this consultant?

I wholeheartedly concur, which is why I appreciate giving an investment coach the power of decision-making. Given their specialized expertise and education, as well as the fact that each and every one of their skills is centered on harnessing risk for its asymmetrical potential and controlling it as a buffer against certain unfavorable developments, it is practically impossible for them to underperform. I have made over $576k figures working with an investment coach for more than two years.

I've been thinking about going that route. I have a lot of stocks that I have maintained, but they are beginning to lose value, so I'm not sure if I should hold onto them or sell them. I feel hiring your investment coach would make it easier to restructure my portfolio.

Have you seen Rachel's video on sinking funds? It's where you set aside money during the year for expenses like Christmas gifts, property taxes, etc. so you don't have to scramble when the time comes to pay for them. I've been doing this for two years now and it's a game changer.

@@ncrob391 yes, but I prioritize my smaller weekly spending first. I'm working on increasing my shovel and in the meantime this video helps

@@ncrob391nice job

The needs of seniors are the same as the needs of everyone else. Maybe the starting dollar is different, but how you schedule the spending should be the same I would think.

Baby Step 3 is saving up your emergency fund. The Ramsey Solutions website specifically recommends 3-6 months of expenses.

😂

Wait a minute lol

The yoga instructor:

😂

The whole check 🤨

I believe Dave encourages us to do tithes all along the way. We need God's blessings the whole time.

Giving is just a budget category, just like the 4 walls. If you have multiple areas you want to give. Write them down, take your monthly giving budget, and divide the money up in those categories. Your money is just a tool that works for you how you want it to. Put it to work 🙂

I'm pretty sure you contribute the max of what you can do, so 11% for your pre-tax. Then, my guess is that Dave would say put another 4% in a Roth IRA equivalent. They are after tax investments. That would be your 15%. He might suggest a different proportion for the pre- and post-tax percentages, but I don't know.

@@jejrstans thanks I appreciate the advice

Gross

😂

100th

@@PorschegirlEst7 we’re kind of in a unique situation. We have no debt, no credit card or car and our house is paid off. All my bills for March come in before the last paycheck in feb. My bills are cell phones, Comcast( tv, Internet, landline) Water, power,garbage. My cell bill and Comcast are emailed to me on the 20th and 21st. Due 7th & 18th My light bill comes around the 15th (feb)and is due end of the month. Garbage comes same time as light bill and due end of month as well. The only bill I have that come on the 1st is my water bill and it’s due the 15th All together it’s less than $600 I pay them all with the last paycheck of the month for the month coming up, and I estimate my water bill, typically paying more than the bill. I keep a budget book, subtract the bills from checking balance, leave a set amount in checking to cover expenses, ie food, gas etc, and put anything over that into savings. On the 5th of every month they auto deduct home owners insurance I just paid first half of property tax in feb and the second half our tax return covers when that comes in. Car insurance I pay in one lump sum Car tab renewal in this state is only $68 per vehicle so that’s an easy budget in. I try to pay all the big bills like property tax and car insurance in Jan or feb so I don’t have to think about them the rest of the year.

I believe Dave recommends doing tithes and giving of ourselves all along the way. We can just give more when we reach step 7. Because we don't have debt holding us back.

If you have one you can manage, Pay off your debt first. Then save for the car.

Miscellaneous could be anything from trips, other wants, clothes etc none of those are emergencies

Free version you can just do it manual. We use it like that

No need to be nervous about it. It is safe✅