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

“Any amount of savings is saving” Thank you for that!

Cooking instead of eating out is a big money saver. I rarely eat out.

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.

I'm a saver I save all my dollar bills change right now I have 3000 in change 5 yrs

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 !!

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. 🎉

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.

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

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!

I saved $500 last month with a savings challenge. I’m so proud of myself

NO Is my new favorite word

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.

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.

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!!!

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.

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!! ❤❤❤

I loved your tip about removing temptation and also replacing KZfaq videos from shopping to budgeting! So genius

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!

I did it. Lived with my sons and after 4 years I bought my house. You can really save money.😊

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

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❤

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.

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.

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. ❤

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.

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!

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!

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.

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’

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.

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

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!

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.

This lady keeps it real...with KINDNESS. Thanks to her for telling us what we need to hear while still being nice❤

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.

When you said don't move the savings 😂, I was like how does she know me?!

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...😊😊😊

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♥️

I'm on a no spend for the next 3 months. Want to start the new year on a good footing

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!

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.

Thank you for being brutally honest. You were talking to me.

Girl the youtube videos be having me in a choke hold. I be holding back tears watching those perfume videos 😂

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.

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! 💜💜💜

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!

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!

Amen to this.The TRUTH will set you FREE. Budget budget budget . Thank you for this.

Thank u seriously 4 the bestie honest moment we all needed to hear that

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.

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!!!!

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

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. 😊💰

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!

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.

This is the most honest, yet caring video on saving I’ve ever seen! Thank you so much!!!

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.

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. ❤️❤️

I shop goodwill and make my coffee. My only habit is diet coke crushed ice daily

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. 😅😊

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*

I'm old school too. Great video with lots of good tips.

U hurt no one is the God truth u speak bless you for sharing this video

Hey!! Thanks for the great tips and explaining the tips!! I'm trying to save and pay off debt. 😊

I'm agree with you that these gas prices in Cali are ridiculous. I budget with a disability budget.

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.

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.

Lady Jaz you are the absolute best 👍%100 percent!🙂

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.

great words of wisdom sista love ya

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.

Boom! Real talk ❤

Thank you soo much for sharing 🤩🤩 This video was for me. I will do better in saving and no spending

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!

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!

Thank you so much for keeping it real. At this point coddling is not what I need. I need this!!! We can do it!!!❤❤❤❤

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.

Fill your inner circle with not only people that help motivate you, they also keep you held accountable

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 😁

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 😂

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. ❤

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.

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!

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.

People say pay your self first . But how when you are in the negative. When you have more bills then money.😢

I’m so happy I came across your channel. I struggle with savings and you really broke it down and make it easier.

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.

I subscribed at the very respectful... "... then you are the problem." 🤭😊😅💖 Ha! Truth.

This is the first video of yours I have ever watched I believe and it was a real eye opener, thank you xx

Yes I'm definitely going to stop door dashing and make time to bring food from home to work.

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.

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!❤

You are the reason why I started saving money. Thank you so much, I love your videos ❤

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.

Love your Realest and Honesty 💯

I just happened to listen to your video. I must say that I honour your truthfulness! Thank you!

That's real talk. There is a way. Thank you.

you know what I appreciated the most 😌 your honesty at the end of the video thank you

👏 YES 👏 I was the problem. I made the changes, and im seeing the results. Thank you for being you and being blunt!❤