HOW TO: BUDGET & SAVE MONEY CONSISTENTLY (TIPS & HACKS)

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HOW TO: BUDGET & SAVE MONEY CONSISTENTLY (TIPS & HACKS)

Рет қаралды 6,372

Күн бұрын

Do you struggle to Budget CONSISTENTLY? This is the #1 reason why most people fail to budget! Today I share 5 practical TIPS to help you stay Motivated to budget consistently :) ♥. CHECKOUT out BUDGET FOR LIFE: thehumblepenny...
★★ WHAT TO WATCH NEXT ★★
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★★ LINKS MENTIONED IN THE VIDEO ★★
BUDGET FOR LIFE: thehumblepenny...
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Does Making Money Less Real Change Your Behaviour? - thehumblepenny...
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★★ ABOUT US ★★
MARY:
I'm married to Ken and we have two boys aged 6 and 4. I'm a Londoner, born in Hackney! :)
Day to day, I run the operations of The Humble Penny as a creative - doing everything from marketing to video editing. I studied Multi-media design and technology at Uni.
When I'm not creating, I love vegan food, travelling, working out and doing some outdoor fun things with my husband and kids :)
KEN:
I'm a husband, dad, and a First-Generation Immigrant to the UK. I started life poor in the UK and I've spent the last 20 years on a steep journey of Personal Development.
CFO by day with over 12 years experience in the investment business. I'm also a Chartered Accountant and hold an MBA from Cambridge University.
To explore my creativity, I'm a blogger and KZfaqr by night. I create from my experiences as a family man and entrepreneur.
I have a passion for all things Financial Education, Business and Personal Development. I also love Photography, Music, Travel, and Sport.
We became Financially Independent aged 34 and our story has been featured on the BBC, Mail Online, Channel 5, Metro, etc.
We share content to inspire and teach others how to achieve Financial Independence and Freedom too :)
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★★ About this video ★★
Budget,How to budget,How to save,how to budget my money,how to save my money,savings tips,savings hacks,budget tips,budget hacks,how to budget and save money,money,more money,how to keep money,keep money,alot of money,how to start a budget uk,how to start a budget,how to budget your money,financial independence uk, budgeting for beginners,how to make budget,how to make a budget,uk budgeter,uk budgeting,uk budget,zero-based budget,zero base budget,debt free journey,spreadsheet for budgeting,excel budget planner,the humble penny
Massive thanks for watching and following our channel :) ♥
Best, Mary and Ken Okoroafor
NOTE: For FULL Transparency, some links above may be Affiliate Links. We do NOT offer Financial Advice.
#budgeting #budget #savemoney

Пікірлер: 49

@TheHumblePenny 4 жыл бұрын

What is your biggest challenge with budgeting at the moment? Comment and tell us below

@MendesPerezTina 2 жыл бұрын

love your tricks and tips thank you so much for that!

@TheHumblePenny 2 жыл бұрын

😊🙏🏾

@lee43558 4 жыл бұрын

This year I have decided to budget to clear my debts. So this was gold dust thoughts. I have tried budgeting before but not been consistent. Thanks ken

@TheHumblePenny 4 жыл бұрын

Great to hear that you're motivated to make it happen this year 😀

@ellenaeller3373 4 жыл бұрын

Been waiting for this video..thanks

@TheHumblePenny 4 жыл бұрын

Hi Ellena, do you currently budget at all? If not, what's your biggest challenge with it?

@ellenaeller3373 4 жыл бұрын

I write down every thing I spend money on. I have cut down on so many things. Most of my money used to go on food and clothes. I have managed to save £500 in my savings account by stopping buying unnecessary things

@johndewinton5302 4 жыл бұрын

Great tips, one of my resolutions this year is to save a bit more money so thank you this is really useful,!

@TheHumblePenny 4 жыл бұрын

You're welcome, John 😀

@vegento_editx 4 жыл бұрын

Great tips, I feel like maybe one day you should make a video about how you have gained this knowledge and what process you take in order to gain what you know.

@TheHumblePenny 4 жыл бұрын

Great idea!

@26pearlpearl 4 жыл бұрын

Just came across your channel today. It is by far my favourite channel here on KZfaq. Thank you for these videos.

@TheHumblePenny 4 жыл бұрын

Much 💛, Lady D 😊

@stephenellis2890 4 жыл бұрын

Fantastic video. Really got me thinking. Thanks

@TheHumblePenny 4 жыл бұрын

Cheers, Stephen. What stood out for you the most?

@MarliVentures 4 жыл бұрын

Hi Ken, Love your and Mary’s videos they have been really insightful and motivating! Could you do a video on tips for people starting this journey of saving etc late (early 30’s) thanks! :)

@TheHumblePenny 4 жыл бұрын

Hey Leanne Thank you! Added to our list 😀

@tinaobadina1666 4 жыл бұрын

Well done - very good advice on budgeting

@TheHumblePenny 4 жыл бұрын

Thank you! 😀

@lukerobinson8936 4 жыл бұрын

Hi there really enjoyed this video, was wondering if you could give some advice for people who are on a minimum wage zero contract (£8.72 per hour at the time of writing) with different hours each week and how you can make the most out of the money coming in even with it being a different amount from month to month

@TheHumblePenny 4 жыл бұрын

Noted Luke. I'll add it to the list :)

@00martaa 4 жыл бұрын

Evening Ken, slightly off subject. What happens if your investments go over the FSCS limit of £85,000. Say you’re an isa millionaire - how would you spread your millions so they’re all safe & not outside of the FSCS window of full protection?

@juliagardner1383 4 жыл бұрын

Your videos are good. Thank ypu

@TheHumblePenny 4 жыл бұрын

Thank you, Julia! :) We appreciate you watching and supporting the channel

@skatanic76 4 жыл бұрын

Hey guys, I really enjoy your videos, keep up the great content! What advice would you give to someone who can save consistently (or, beginning to), but then faces something unplanned like needing to replace the boiler. How would you recommend getting that out of the way and still being able to consistently save? As, a new boiler can easily be an extra £150-200 per month for 2 years, if not longer. It's sometimes a frustrating situation to find yourself in when you want to save X amount. Interested in hearing your thoughts. Thanks

@TheHumblePenny 4 жыл бұрын

Thank you! 😊. Such expenses should come out of your emergency fund.

@elvisnchonjhon522 4 жыл бұрын

Hello ken, thanks you for all the wonderful ideas. But to be honest i have been fining it very difficult to stick to my budget. Please more ideas on how to manage my budget family.

@TheHumblePenny 4 жыл бұрын

Sure! Please be more specific on your struggles. What's the challenge practically?

@elvisnchonjhon522 4 жыл бұрын

The Humble Penny basically i have been unable to creat a budget and stick to it and my savings methods have not been working either

@yasnyne 4 жыл бұрын

Fantastic video to put life in order. Ken, you look so much kojo tv (KZfaq)channel presenter. I wonder if you guys are siblings. The resemblance is striking.

@TheHumblePenny 4 жыл бұрын

Lol really? I don't know him. Do share a link pls.

@ladyf5217 4 жыл бұрын

SOOOOO glad I found this channel! Financial independence here I come :) Hi Ken/Mary do you invest back home (I assume by your surname you're Nigerian) and do you recommend this?

@TheHumblePenny 4 жыл бұрын

Hey Lady F, welcome to the home of Fearless Dreamers 😊 We currently don't invest in Nigeria, although there are amazing opportunities (e.g. in tech) out there. We aren't close enough to things at the moment to gain enough comfort. Anyone who invests there has to think very long term because short term changes (politics, FX, etc) can frustrate the short term investor.

@ladyf5217 4 жыл бұрын

@@TheHumblePenny Thank you for your response. I was definitely thinking longer term as countries like Nigeria, Ghana and Rwanda seem to be growing economies that I would love to invest in.

@victoriavicious8815 4 жыл бұрын

I love the comparison of budget vs actuals! I do that with my projects at work but have never thought to do it with my own finances - totally doing this at payday, thanks!

@TheHumblePenny 4 жыл бұрын

Absolutely, Victoria! 😀 There are many things that the best of us do in our jobs but just think of applying to our personal lives. What's your day job out of interest? Watch out for our videos next week on high paying jobs.

@victoriavicious8815 4 жыл бұрын

Thanks, yes the videos next week sound good! I do apply the “Moscow (must have / should have / could have)” when deciding what I should spend my money on 😀 I’ve worked in IT for a Bank for many years, been a dev, project manager, finance manager and have just moved into technical management - love my day job but don’t want to still be there when I’m 65, want to be retired and travelling the world long before that!

@reviathan3524 4 жыл бұрын

Budgeting helps, but in the end my problem is controlling my eating habit 😅

@TheHumblePenny 4 жыл бұрын

What are your eating habits?

@reviathan3524 4 жыл бұрын

@@TheHumblePenny Mostly fast food 😣

@charleneelliott8978 4 жыл бұрын

Is this spread sheet available for users?

@TheHumblePenny 4 жыл бұрын

Hi Charlene, It's a paid product in our academy at the moment. It will be available to members of the academy (as well as all present and future courses) when our membership goes live later this month.