How to Stop Living Paycheck To Paycheck || SugarMamma.TV

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7 жыл бұрын

Hi Guys! This video explains my top 7 strategies to help you get out living paycheck to paycheck.
1. Recognise that this is what you are doing and that only you are responsible to get yourself out of this stressful situation.
2. Do a budget so you know where your expenses are going to! You can get a free template when you subscribe to the SugarMamma.TV website www.SugarMamma.TV
3. New Habit - a new you with a new mentality. Adopt a healthy mindset when it comes to paying bills and regular savings.
4.Consider downsizing your home or car and live within your means.
5. Set goals for yourself and decide a plan of action.
6. Review your goals constantly - look to tweak & improve.
7. Recognise your blessings so that you can rest easy with control, relief and financial freedom.
For those that would like to contribute to my book, please email me your stories on: yousugarmamma@gmail.com
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Jeans
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xCC
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SugarMamma.TV is all about educating, inspiring and empowering everyday people to create financial harmony, freedom and independence in your life. Bite sized videos, with quick and easy to understand tips, that you can apply straight away and see the results. SugarMamma.TV is a powerful movement making money and finance more approachable, energetic and enlightening.

Пікірлер: 103

@soulak9055 7 жыл бұрын

As a single woman living alone with large housing costs, I'm conscious that sometimes those extra things like Netflix,home internet or other subscription services are not on the list but some people laugh at you like omg you're living so simply but it's a way of controlling costs,I even stick to prepay mobile and use the library for booksm or dvds.

@SugarMamma 7 жыл бұрын

soula K don't worry about what other people think and say, I think that is brilliant that you are so in control of your budget and living expenses and if having a pre-paid mobile works for you and reduces stress in your life, then stick to it. Sometimes people think that I am too frugal in certain parts of my life but I really don't worry too much because at the end of the day I can pay my bills on time, have some savings and continue building my investment portfolio...I think what you are doing is inspiring and clever! xCC

@monaaziz7598 7 жыл бұрын

soula K I remember a quote I read on the internet. "I used to care about what people thought until I tried to pay my bills with their opinion" xx

@lyndsieannette957 5 жыл бұрын

I just work in my free time. No need for Netflix or internet. Sounds crazy, but it's the only way I don't miss those extras.

@HelloDecember525 7 жыл бұрын

Hello sugar momma! Greetings from California! Just want to say thank you for all you do, I love plugging in and getting little nuggets of wisdom on these subjects. And also I wanted to encourage you that the good you do will come back to you and then some.💖 Sometimes I'm just amazed at the amount of criticism people have on here! It's way easier to criticize than it is to put the time, effort, and energy to come up with content to express yourself, your passions, and it's for the intention of improving /learning and doing better. I just want to give you a big KUDOS 💯% for your hard work. And that it's up to an individual person to discern what is applicable to them at the season of their life they are in, than pick you apart for not meeting some specific needs they have when you are giving a general talk on the subject on youtube vs one on one conversation to their specific needs. I heard that sweet isn't so sweet without the bitter, so with that, THANK YOU again for what you do, and keep doing you boo!! xoxo much love from Cally

@chantelleshannon2344 7 жыл бұрын

Amazing video thank you. I love your advice and i am working hard on changing my mindset about money and spending.

@jahbeauty1 7 жыл бұрын

Grear video and thanks so much for the free budget.. I cant wait to sit down sometime this week to figure it all out so I can get out of debt faster.. I do feel like I am loving paycheck to paycheck but I know it doesn't have to be that way

@NoraTKD 7 жыл бұрын

Thank you for making another informative video! Your tips and advice are really useful! Being responsible and taking responsibility for your finances is important, good that you have started with that! Keep up the good work Canna! :)

@kindperson1411 7 жыл бұрын

Very good advice! Thanks for sharing!

@biancay.8982 7 жыл бұрын

I've been focussing on a more minimalist life in the past few months. I pay bills and keep reminders open of whats due when, I really think about whether I actually need an item before I buy it, I try to use my food in my fridge before going for another shop. I've also got my savings in a jar on my desk, this way I have to physically take from it and acknowledge I'm taking from it. its really made me want to build it more. I still live paycheck to paycheck, but I don't earn very much and have only just begun trying to get out of it. I do have a very clear path set for myself though! Thanks for your words of wisdom Canna, always love your videos.

@SugarMamma 7 жыл бұрын

Love the idea of the jar...plus seeing it on your desk reminds you of your vision, goals and dreams....you have inspired me! Thank you....xCC

@aliciaunaryan4751 7 жыл бұрын

Truly enjoy your videos & financial tips. Greetings from Port Elizabeth, South Africa

@reka1821 7 жыл бұрын

hi sugar mama loved the video! please do more about how to be consistent on budgeting and how to grow money

@coraimaortiz7043 7 жыл бұрын

I truly really enjoy watching your videos! Every time I am financially stress, I watch one of your finance videos and they inspire me to work hard and to get organized. Everything is possible with a little dedication. THANK YOU FOR TAKING THE TIME ON DOING THIS VIDEOS:)

@NoraTKD 7 жыл бұрын

Same here! Canna is so inspiring! :)

@SugarMamma 7 жыл бұрын

Coraima Ortiz wow, I am so flattered and honoured...thank you xCC

4 жыл бұрын

I know its been a while when u Made this video but I just saw this and I wanted to say to you this is Briliant! Thank u for sharing sweetheart! 🤗

@SugarMamma 4 жыл бұрын

Thank you! I'm so glad you enjoyed it!

@JamesMorris-os7kb 7 жыл бұрын

Hi Canna! Thanks for your awesome videos. Thanks to your help I am now saving for my home deposit. Through your budget I have forecasted that I will have a substantial house deposit by the time I'm 26 (I'm 21 now). Are you able to do a video on how to improve your credit rating? Cheers!

@penelopeplods8886 6 жыл бұрын

Hi Canna. I just wanted to say thanks for all your work. I had some major life altering events this year that actually managed to deplete my entire back up fund (life account). Whilst I've been dealing with the traumatic events and the effect they've and on those I love and care for I've had to simultaneously watch my savings disappear. I'm now starting over from square one with three kids, two dogs and two cats. It's scary. But! Imagine if I had never made sacrifices and saved up like I did??? We'd be on the streets now. And because I've managed to be smart in the past I know I can do it again and will probably be more fierce this time around. In the last few days your videos have been a much needed source of encouragement so thanks and I look forward to enjoying the benefits of my hard work one day.

@SugarMamma 6 жыл бұрын

PenelopePlods oh Penelope, I hope things turn around for you. What doesn't kill us only makes us stronger! And you know exactly what is needed to rebuild that life account. I am sure that you are already picking yourself up again, remember to keep your shoulders back, head up and focus on the situation that you want to create! xCC

@penelopeplods8886 6 жыл бұрын

Thanks, Canna! x

@angelgeyl 7 жыл бұрын

thanks for all the tips! i am an avid fan of ur channel and i am following them by heart. :)

@SugarMamma 7 жыл бұрын

iamtenshigayle oh wow, thank you! xCC

@cassie372 7 жыл бұрын

Love this ! Feel motivated canna you are a great speaker

@SugarMamma 7 жыл бұрын

Cassie thanks! xCC

@MihiriW 7 жыл бұрын

Such amazing advice! Thank you =)

@hearmymotoredheart 7 жыл бұрын

While your intentions seem good, this is still geared towards people whose paychecks would give them something extra to play with at the end of the week/fortnight after bills. It assumes it's a matter of mindset when actually, someone really is that broke.

@TheLatonya999 7 жыл бұрын

hearmymotoredheart completely agree. Thigh high Gucci boots????? Wonderful intentions, but could potentially unintentionally alienate some.

@papl20 7 жыл бұрын

hearmymotoredheart the principle applies... Being conscious and knowing what you need... I been doing this for a while now and I'm now less uncomfortable... I'm broke, yes... But at least I'm not homeless

@SugarMamma 7 жыл бұрын

hearmymotoredheart hi Guys, I was using it as an example to explain a point. And to be perfectly honest, I meet lots of "broke" people, who are dressed head to toe in designer clothes. Which was where the motivation to make this video came from...this observation has also been shared in many other famous personal finance books...xCC

@tramtranthanh9913 7 жыл бұрын

you might have met people who are broke but not poor, there's a difference. most people living pay check to paycheck are actually poor and can barely afford a takeaway meal, forget gucci clothes etc.

@SugarMamma 7 жыл бұрын

Tram Tran Thanh hi Tram, I have met plenty of people who earn good money (actually great money) and live pay check to pay check. Which is why I made the point about it having nothing to do with how much people earn but what they do with what they earn. I will be doing a seperate video on starting from nothing shortly...

@Kathprovost9 7 жыл бұрын

I love so muchhh yours videos!!!!

@ginamiller6754 7 жыл бұрын

I love your videos! They are like a booster shot and invigorate me to stay on the course of not spending on non necessities! Today I'm starting another "no spend" where I don't buy anything that is not necessary. (Harder getting my 19 y/o daughter on board, we've spoiled her a bit, but she is reasonable when we tell her why-she loves Starbucks) When I feel weak I watch your videos over. I've stopped watching most make-up videos because they promote products so that we feel we need those items. Thx for making quality, helpful videos!!

@misspiggyaustralia9850 7 жыл бұрын

Hi Gina! I've tried no-spend months too so I admire how disciplined you are! However found I approached no-spend months like dieting - it was unsustainable for me and I didn't enjoy it. Instead I reduce my spending or wait at least a week to buy it (so it filters out all the impulse buys v what I need/want long term). I can't agree more with the make-up videos as well! My priceline spending after watching beauty bloggers would go through the roof!

@danam8450 7 жыл бұрын

Love the change of background and your home in general! Would totally love a house tour! so pretty! I really enjoyed the video and it stood out to me. I do only work part time (and do not pay for rent) but it is tough to divide my money for my personal expenses and to save for other things I need even though i do not pay for rent but still go to college. Loved the reminder.

@ginamiller6754 7 жыл бұрын

Dana M she does have a house tour & it's beautiful.

@ShoppingQueenArlene 7 жыл бұрын

she did one!!! if you search "sugar mamma home tour" you will get it

@danam8450 7 жыл бұрын

Must of missed it! Thanks!

@janebaker4912 7 жыл бұрын

I think the kitchen makes the audio a bit echoy

@thiscorner102 14 күн бұрын

Canna this video is so old but helpful I’m not sure you’ll see the comment - but you could do money makeovers similar to Ramit with women and actually provide them with a pathway. That would help so so many of us! Particularly the single mums x

@bouphasoutha 7 жыл бұрын

I appreciate your pronunciation very much and I understand everything you say also it's very convenient for me to follow each videos, sorry for my basic english. Everyday I learn to make correct sentences. j'apprécie bcp votre prononciation et je comprends tout ce que vous dîtes aussi c'est très pratique pour moi de suivre chacune de vos vidéos. tous les jours j'apprends à faire correctement des phrases.

@SugarMamma 7 жыл бұрын

ChaoVansayaB my pleasure! xCC

@lovelifementoring5399 7 жыл бұрын

Great info ❤

@theharshcritic1073 7 жыл бұрын

I love the Gucci Thigh High Leather Boots comment!!! 😂😂😝😝😝

@christinamariemoney 7 жыл бұрын

hahah me too!

@NoraTKD 7 жыл бұрын

Ikr?! That was funny :D

@SiobhanOConnell519 7 жыл бұрын

What do we do if we've wallowing in debt (student loans), may or may not pay rent (I thankfully live with my mom who does not charge me rent but others not so much); but only make enough to pay for our minimum bills? How do we save? I purposely do not have a credit card so I don't get charged interest rates as I can't afford them.

@devonshireteaa 7 жыл бұрын

Thank you for making this! I love how motivational you are, but have you got any extra tips for students? I have a part time job, but after bills, food and petrol I hardly ever find myself with extra cash which makes it a little difficult :(

@SugarMamma 7 жыл бұрын

Devon Spence I have done a money video for students...check my playlists! xCC

@jacquiueckert4941 7 жыл бұрын

Awesome video Canna!

@SugarMamma 7 жыл бұрын

Jacqui Ueckert thank you!!! xCC

@MarleyJaxx 7 жыл бұрын

Thanks for these strategies! Very helpful and informative. Would you agree that paying yourself first before paying the bills is another strategy too?

@SugarMamma 7 жыл бұрын

Marley Baird Media yes! Paying your bills is your financial responsibility so pay first, then pay yourself...but keep track of your spending so that you always have something left over to pay yourself! xCC

@Chloe-nq1hg 6 жыл бұрын

Hi Cana I understand what the 2 ladies are saying about being broke they are meaning if you don’t have the wages at the end of the week to save ect and I know your aiming this video at people who just waste money I just thought I’ll help out to explain what they meant thanks

@lesliechavez5250 6 жыл бұрын

Hi I cant seem to keep a job. Than I dont know how to save. Im getting unemploymemt of 180 a wk. How much should I save? I cant get out of debt? Ive never traveled. I need help.thx

@jholmie6016 7 жыл бұрын

These were helpful reminders! I'm putting myself through school and as I finish up year 4 of 6 of my PhD, all while living on a teaching stipend, it is getting harder and harder to sustain my life financially. gonna try to implement some of these tips!

@NoraTKD 7 жыл бұрын

You go girl! You can do it, be proud of yourself for doing your PhD! :) And you make fantastic videos - keep up the good work!

@jholmie6016 7 жыл бұрын

Nora Csiszar aww thanks for the encouragement!

@SugarMamma 7 жыл бұрын

jholmie wow! That is amazing!!! Good on you! Hang in there, you are clearly doing an amazing job!! That is seriously inspiring! xCC

@emiliabolsas 7 жыл бұрын

I subscribed a few weeks ago at the budget link but didn't receive that item (but I am now on the email list, so that part worked). How can I get the budget re-sent?

@michaela6662 7 жыл бұрын

emiliabolsas Same happened to me!

@vmb8916 7 жыл бұрын

same happened to me

@papl20 7 жыл бұрын

emiliabolsas same happened to me so I asked her and she told me that I could get it from de SASS financial website, and it works, you can download it right away,there are two, I believe one is for business and the other one is the personal... Hope it works for you 😊

@SugarMamma 7 жыл бұрын

emiliabolsas did you subscribe to the SugarMamma website? Or just the channel? Maybe check your spam/junk mail?

@johnnylikez8594 7 жыл бұрын

Hi very good show my goal is sit in the empire and almost there

@mango2106 7 жыл бұрын

Hi! I subscribed to your mailing list but I am yet to receive a link to a budget of some kind? Thanks xx

@SugarMamma 7 жыл бұрын

mango2106 have you confirmed your subscription? The link is in the welcome email...

@pumba6099 5 жыл бұрын

What's the app called?

@naydaro4441 7 жыл бұрын

I love your free-shoulder top, Canna!

@christinamariemoney 7 жыл бұрын

i love it too! it is so pretty :)

@danam8450 7 жыл бұрын

It is in the bottom description! US: www.shopbop.com/dana-cold-shoulder-top-rag/vp/v=1/1535740108.htm?extid=affprg_linkshare_SB-QFGLnEolOWg&cvosrc=affiliate.linkshare.QFGLnEolOWg

@naydaro4441 7 жыл бұрын

Thank you so much for kindly pointing this out, Dana!

@danam8450 7 жыл бұрын

no problem!(:

@SugarMamma 7 жыл бұрын

Nayda Sadr thanks, I put the links in the description box, I only recently purchase it. But it is on sale now! xCC

@ioanaiancu1823 7 жыл бұрын

Love your videos! Will the budget app be available in Europe too?

@SugarMamma 7 жыл бұрын

Ioana Iancu it will be available to everyone around the world! xCC

@ioanaiancu1823 7 жыл бұрын

Sugar Mamma wow that's great!! Thank you!!

@ioanaiancu1823 7 жыл бұрын

Sugar Mamma wow that's great!! Thank you!!

@josecalderon5919 4 жыл бұрын

Hi sugar mamma I'm really interesting in your counseling about saving money, Where can I find more details?

@GiselaHenriquez 7 жыл бұрын

Hi I subscribe but never received the budget.

@SugarMamma 7 жыл бұрын

GiselaHenriquez hi, did you subscribe to the website or just the channel? You need to subscribe to the actual website and then once you have confirmed your subscription the link to download the budget is in the welcome email...xCC

@Cingearth 4 жыл бұрын

save 50 % of your incoe half. in s and p 500 and second half in world shares ! 5 years to go for me !

@nelisiweshabalala4937 7 жыл бұрын

i have subscribe but i didn't get the budget, please email it to me

@grahammenzies7617 7 жыл бұрын

Keeping up with the Jones'! Ugh! :(

@misspiggyaustralia9850 7 жыл бұрын

Really enjoy watching your videos! I agree - it's possible to stop living paycheque to paycheque as long as you have a good awareness of where every cent is going. After that, it comes down to self disciple which is the hard part! While there are some people who are genuinely hard-up, I find that most people that live paycheque to paycheque often make excuses for their 'poverty' when really it's their lifestyle that's making them poor! Having a poor mindset versus rich mindset can make a big difference. xx Miss Piggy theearnestaddiction.wordpress.com/

@CM-yo9jk 7 жыл бұрын

Wow Miss Piggy, what a lovely website. I can't wait to have a good nosey around this evening!

@susiedixon2064 7 жыл бұрын

Miss Piggy

@SugarMamma 7 жыл бұрын

Miss Piggy Australia I agree, I think people need to focus on how much bigger the positives are from when you aren't living pay check to pay check...deep down I think people would prefer to get off the merry go round but can't go through the short term pain and growth yet...hopefully this video helps people! xCC

@SugarMamma 7 жыл бұрын

Miss Piggy Australia I love this and am going to share on the SugarMamma Facebook page! xCC

@misspiggyaustralia9850 7 жыл бұрын

Thanks Claudia! I hope you enjoyed some of the posts. Financial independence and budgeting is one of my loves - also one of the reasons why I'm addicted to the Sugar Mamma channel!