Ай бұрын
2 ай бұрын
Пікірлер
@classact6299 8 сағат бұрын
If I don't create a Monthly Budget I fall off the wagon. 🐎🚃 love the supersized paperclips, don't know how to place a cost on them but I'll buy when in the shop. 🖇 I've laughed twice one with Envelo and the with changing the amount midstream...Rose Quartz but Topaz would be my fav for my BDay Month 😂
@CashBudgetRetiree 8 сағат бұрын
@@classact6299 ❤️ Oh my! Thank you! ❤️
@sandrapacheco4039 14 сағат бұрын
Newbie!!!! Rose quartz
@CashBudgetRetiree 9 сағат бұрын
@@sandrapacheco4039 ❤️ Hello Sandra! ❤️ Thanks so much for subscribing and watching until the end! I appreciate you and your time! 😀
@veronicam1726 17 сағат бұрын
Rose Quartz
@CashBudgetRetiree 17 сағат бұрын
@@veronicam1726 ❤️ Yay! Thanks for watching my whole video, Veronica! ❤️. I'm glad to have you with me on this journey toward financial freedom!
@thebudgetingbaker2023 18 сағат бұрын
Hi Valerie..great video..New Subbie here. People go back into debt because they fall out of routine with their budgets. They go back to old habits..
@CashBudgetRetiree 18 сағат бұрын
@thebudgetingbaker2023 ❤️ Thanks for your input Connie. ❤️ That makes sense. Getting complacent and taking the budget for granted. Yep. Dangerous territory.
@savewithjudy 19 сағат бұрын
Good evening Connie! Happy Birthday!❤
@CashBudgetRetiree 19 сағат бұрын
@@savewithjudy Connie?
@lolethawoods786 20 сағат бұрын
Happy Birthday Connie 🎂 🥳 🎉 You got happy 📬!!
@CashBudgetRetiree 19 сағат бұрын
@@lolethawoods786 Connie?
@paulaG1283 20 сағат бұрын
Well, I worked really hard to be debt free, then I started grad school, then end, lol.....seriously, life happens.....you just never know when something happens and it requires you to pull on all of your resources, including your credit cards
@CashBudgetRetiree 19 сағат бұрын
@paulaG1283 ❤️ Thanks Paula. ❤️ Yes, I understand. Thanks for your input and thanks for watching.
@maryveney806 20 сағат бұрын
Great video,Rose Quartz
@CashBudgetRetiree 19 сағат бұрын
@maryveney806 ❤️ Thanks fir watching my entire video, Mary! 💙 I appreciate you and your time!
@CashBudgetRetiree 19 сағат бұрын
@@maryveney806 *for, not fir
@CashBudgetRetiree 22 сағат бұрын
❤ Use code HAPPYBIRTHDAY ❤ to get 50% off everything in my Etsy Shop until August 31st, 2024. www.Etsy.com/shop/CashBudgetRetiree
@ChristinaMichelle0413 Күн бұрын
Happy birthday!
@CashBudgetRetiree Күн бұрын
❤️ Hi Christina! 💙 Thanks so much for your kind birthday greetings!
@AprilsFreshStart Күн бұрын
Happy Birthday!!!! Rose Quartz. Great video
@CashBudgetRetiree Күн бұрын
❤️ Thank you April! 💙 I appreciate your time and your birthday wishes!
@AtSusiesCottage Күн бұрын
Hi, new subbie here, great video xxx💕
@CashBudgetRetiree Күн бұрын
❤️ Hi Susie! ❤️ I am thrilled you have subscribed to my channel! Thanks for watching and for leaving your sweet comment! ❤️ 💙 💜
@FourDizzyBirdsBudgeting Күн бұрын
Rose Quartz! 🎉
@CashBudgetRetiree Күн бұрын
❤️ Thanks so much for watching until the end of my video! 💜
@PansyBudgets Күн бұрын
Happy Birthday!! I love your happy mail! Rose Quartz - the stones are beautiful 🩷
@CashBudgetRetiree Күн бұрын
@@PansyBudgets ❤️ Thank you so much, Pansy! ❤️
@grandmaspocketbook Күн бұрын
Happy birthday, Valerie. Typically I got back into debt because I didn’t plan for the unexpected. I don’t do that anymore.
@CashBudgetRetiree Күн бұрын
@grandmaspocketbook Thanks for your input. Lack of preparation. Yes, I can relate to that too. Thanks for the birthday wishes! ((Hugs!))
@gretchenzalenski7539 Күн бұрын
❤ the paperclips
@CashBudgetRetiree Күн бұрын
@gretchenzalenski7539 Thanks Gretchen!
@gretchenzalenski7539 Күн бұрын
Hi Valerie Happy Birthday 🎂 back into debt, always thought I could outwork my spending, however I am now disabled and have limited income.So after starting Dave Ramsey in 2011 this is the 4th time I am debt. No one to blame but myself . This time I am done , I will be debt free & have a fully funded emergency fund.
@CashBudgetRetiree Күн бұрын
@gretchenzalenski7539 ❤️ Oh Gretchen! I hear ya! ❤️ I am right there along with you, girlfriend! I first took Dave Ramsey's class in 2013. Four times in and out of debt sounds about right for me, too. Ugh! Hopefully, the added accountability my channel offers me will help me be a better steward of the money God entrusts me with. God help me!
@nancyfleming4422 Күн бұрын
The 1 challenge you wrote $21.00, but you counted $25.00. Happy birthday, too!🎈🥳🎊🎉🎂 #rosequartz
@CashBudgetRetiree Күн бұрын
@@nancyfleming4422 Oh boy! Goodness me! Thanks for catching that, and thanks for letting me know.
@CashBudgetRetiree Күн бұрын
@@nancyfleming4422 Thanks for watching all the way through! ❤️ 💙 💜
@DivineSavingsCo Күн бұрын
Hi Valerie ❤ Happy Birthday friend 🎉 hope you have a very blessed day 🎂
@CashBudgetRetiree Күн бұрын
@DivineSavingsCo Thank you Ms. Divine! ❤️
@CasandraCollins5 Күн бұрын
Where did you get your penny challenge?
@CashBudgetRetiree Күн бұрын
Etsy: A Happy Kid
@CashBudgetRetiree Күн бұрын
Thanks for watching! I hope you will subscribe if you haven't already.
@SusanFariss Күн бұрын
Happy birthday. Cute paperclips🎉.
@CashBudgetRetiree Күн бұрын
♥ Thanks Susan! I appreciate your time and encouraging comment! XO
@CanadianFinanceJourney Күн бұрын
Great video Valerie! I find for me it's the convenience of a Credit Card that makes it hard to stay out of debt as well as the points or extra bonuses that come from using your credit card. Great video and I love that you are looking into this.. hope your able to gather good data! 🤍
@DeborahShaffer-rh6oc Күн бұрын
Rose Quartz
@CashBudgetRetiree Күн бұрын
YAY! Thanks for watching the entire video! I appreciate you! I hope you will subscribe if you haven't already.
@kittyface7kat327 Күн бұрын
Great video Valerie. :)
@CashBudgetRetiree Күн бұрын
♥ Thanks Kitty! ♥
@moneywithjustliving5258 Күн бұрын
Hello Valerie my friend. I find it's habit, so we have changed the way we think about our money. Others use debt to get what they want instantly instead of working for it. Great video and topic. Happy Birthday to you Happy Birthday to you Happy Birthday to Valarie, Happyyyyy Birthdayyyyy tooooo youuuu! I love those paperclips you made.
@CashBudgetRetiree Күн бұрын
♥ Thanks so much! I appreciate your input. Instant gratification. Got it. Thank you! ♥
@CashBudgetRetiree Күн бұрын
I've been thinking about your comment and would like to ask you how you changed the way you thought about money.
@classact6299 2 күн бұрын
Your a baby ❤ Many Happy Returns 🎂 I actually have the game Shut the Box. Lots of fun. Our Son from Another Mother introduced the game to us ❤ the game is up to 12. By the by I'm the baby in my group.
@CashBudgetRetiree 2 күн бұрын
@@classact6299 Yikes! I'm a baby? As in a Spring Chicken? Or as a whiny kid?
@classact6299 2 күн бұрын
Spring Chicken off course@@CashBudgetRetiree
@HeyKayBudgets 2 күн бұрын
Hey Valerie! Here watching this morning with my morning coffee☕️ Love your bday cards! Happy early bday! That Hawaii and $0.65 card was so funny! 😄 STB was fun! Those big dice 🎲 are perfect! Great savings in this video! 💖
@CashBudgetRetiree 2 күн бұрын
❤️ Hey Kay! Thanks for stopping by! Coffee sounds so good right about now.
@TheBudgetingIntrovert 2 күн бұрын
Happy Birthday! Celebrate all month! Not to say have a sale all month 😂 but you celebrate your birthday at home all month. 💜
@CashBudgetRetiree 2 күн бұрын
@TheBudgetingIntrovert Thanks so much, Estelle! How have you been? I miss watching your videos. I've been substitute teaching nearly every day since August 5th when our year-round school district started. (My debt is getting paid off!)
@CashBudgetRetiree 2 күн бұрын
@TheBudgetingIntrovert I meant to tell folks who watched my video to use the code: HAPPYBIRTHDAY if you'd like 50% off everything in my Etsy shop until August 31st, 2024.
@Chatty-KathyBudgets 2 күн бұрын
💜💜💜 Happy Birthday my friend 🎉💜💜💜
@CashBudgetRetiree 2 күн бұрын
Thanks Kathy! Don't forget to use code HAPPYBIRTHDAY if you'd like 50% off anything in my Etsy shop, just until August 31, 2024.
@FinancialDreamswithChristine 2 күн бұрын
Happy Birthday! Great savings with your group plays! Love the collab! 🌷💗🌸
@CashBudgetRetiree 2 күн бұрын
Thanks so much, Christine! 😊 I hope you join in on our collab!
@SimplySaraSaves 3 күн бұрын
Happy birthday!!! Look at all that birthday stuff 🎉🎉 ❤❤❤ fantastic video! So excited for #candyapplecollab I printed all of them yesterday! They’re ready to go.
@CashBudgetRetiree 3 күн бұрын
@@SimplySaraSaves ❤️ 💙 💜
@norelisbudgets 3 күн бұрын
Hiiii 💖💖💖 awesome savings in the group plays. YAY for $16 on the goodbye summer scratch off. Great video my friend.
@CashBudgetRetiree 2 күн бұрын
♥ Thank you, Nori! 😁♥ Two more to scratch off and I'll be done with your first group play challenge, Goodbye Summer. I look forward to your next group play! ☺
@AishaMBudgets 3 күн бұрын
Your Apple Season collab looks amazing! Thank you for the 50% discount on your Etsy shop!!! And, of course, happy early birthday! My brother's birthday is the day before yours.
@CashBudgetRetiree 3 күн бұрын
@AishaMBudgets ❤️ Thanks Aisha! ❤️ Use code HAPPYBIRTHDAY
@AishaMBudgets 3 күн бұрын
Hey Valerie! I used to teach middle and high school. And I subbed for all the grades but Kindergarten was the hardest! You're so cute when you're happy and rolling that die. $74 is AWESOME!!! Well done!!!! So very proud of you! What a great video! I watched the entire video and debt going down.
@CashBudgetRetiree 3 күн бұрын
@AishaMBudgets Thank you so much Aisha! ❤️ 💙 💜
@CashBudgetRetiree 3 күн бұрын
@AishaMBudgets I meant to tell people on my latest video that this week everything in my Etsy shop is 50% off with the code HAPPYBIRTHDAY. Sale is from 08/25/24 to 08/31/24.
@PansyBudgets 3 күн бұрын
So many wonderful birthday cards!! How sweet🩷 Thank you for the big discount on your Etsy!!💚
@CashBudgetRetiree 3 күн бұрын
@PansyBudgets ❤️ You are so welcome! ❤️ I meant to give everyone the code HAPPYBIRTHDAY to get 50% off everything in my shop . Sale is from Aug. 25-31, 2024.
@thedramaticpanda 3 күн бұрын
Hey friend, happy early birthday! Listening while I get stuff done around the house!
@CashBudgetRetiree 3 күн бұрын
@thedramaticpanda Hi Jenny! I forgot to tell everyone the code. Use code HAPPYBIRTHDAY from Sunday to Saturday, August 25 - 31, 2024 ONLY, get 50% off everything in my Etsy shop! Etsy.com/shop/CashBudgetRetiree
@CasandraCollins5 3 күн бұрын
Happy Birthday!! And Thank u for the birthday 50% off !
@CashBudgetRetiree 3 күн бұрын
@@CasandraCollins5 You are most welcome! Please use code HAPPYBIRTHDAY for 50% off.
@kittyface7kat327 4 күн бұрын
Great video Valerie. :) Happy Early Birthday to you! I hope the week ahead is great!
@CashBudgetRetiree 4 күн бұрын
@kittyface7kat327 ❤️ Thank you so much! ❤️ I meant to tell everyone on my video the code to use to get 50% off of everything in my Etsy shop all week until August 31st. CODE: HAPPYBIRTHDAY etsy.com/shop/cashbudgetretiree
@moneywithjustliving5258 4 күн бұрын
Hi Valerie, well Happy Birthday!
@CashBudgetRetiree 4 күн бұрын
@moneywithjustliving5258 ❤️ Thanks so much! ❤️ I'm glad you stopped by. I meant to tell everyone on my video the code to use to get 50% off of everything in my Etsy shop all week until August 31st. CODE: HAPPYBIRTHDAY etsy.com/shop/cashbudgetretiree
@yvonneanstey6706 4 күн бұрын
Happy birthday, Valerie! Hey😊 I'm a twin, we have so much fun together. We even budget together. But she's in Winnipeg now. Thank you for the 50% off on your shop.
@CashBudgetRetiree 4 күн бұрын
@yvonneanstey6706 Thank you! Thanks for stopping by! ❤️ Thanks so much! ❤️ I'm glad you stopped by. I meant to tell everyone on my video the code to use to get 50% off of everything in my Etsy shop all week until August 31st. CODE: HAPPYBIRTHDAY etsy.com/shop/cashbudgetretiree
@CashBudgetRetiree 4 күн бұрын
Thank you! Thanks for stopping by! ❤️ Thanks so much! ❤️ I'm glad you stopped by. I meant to tell everyone on my video the code to use to get 50% off of everything in my Etsy shop all week until August 31st. CODE: HAPPYBIRTHDAY etsy.com/shop/cashbudgetretiree
@yvonneanstey6706 4 күн бұрын
How old are your twins?
@CashBudgetRetiree 3 күн бұрын
@@yvonneanstey6706 My twin boys are 36.
@yvonneanstey6706 3 күн бұрын
We will be 61 on February.
@paulaG1283 4 күн бұрын
I like your verison of Shut the box! LOL Happy Sunday!!!
@CashBudgetRetiree 4 күн бұрын
@paulaG1283 Thank you! Thanks for stopping by! ❤️ Thanks so much! ❤️ I'm glad you stopped by. I meant to tell everyone on my video the code to use to get 50% off of everything in my Etsy shop all week until August 31st. CODE: HAPPYBIRTHDAY etsy.com/shop/cashbudgetretiree
@conniekelly-hl5qr 4 күн бұрын
Hello Val,
@CashBudgetRetiree 4 күн бұрын
@@conniekelly-hl5qr ❤️ Hello Connie 👋 I'm happy you stopped by. Thanks for watching.
@CashBudgetRetiree 4 күн бұрын
@conniekelly-hl5qr I meant to tell everyone on my video the code to use to get 50% off of everything in my Etsy shop all week until August 31st. CODE: HAPPYBIRTHDAY etsy.com/shop/cashbudgetretiree
@teachermombudgets 4 күн бұрын
Hi Valerie! 🛎️ Yea for completed challenges!! I teach middle school and cannot imagine teaching kindergarten. K teachers are amazing!!
@CashBudgetRetiree 4 күн бұрын
@@teachermombudgets ❤️ Oh, I know! ❤️ Kindergarteners come to school without any idea of appropriate school behavior. Ugh! .... Thanks for your kind congrats on my finishing some challenges. It sure feels good to see some progress! ❤️
@Bydgetbycamilla 4 күн бұрын
Happy birthday Valerie. 🎉🎉
@CashBudgetRetiree 4 күн бұрын
@@Bydgetbycamilla ❤️ Thanks Camilla! ❤️ 😀
@CashBudgetRetiree 4 күн бұрын
@Bydgetbycamilla ❤️ Thanks so much! ❤️ I meant to tell everyone on my video the code to use to get 50% off of everything in my Etsy shop all week until August 31st. CODE: HAPPYBIRTHDAY etsy.com/shop/cashbudgetretiree
@gretchenzalenski7539 4 күн бұрын
❤ 27:57
@CashBudgetRetiree 4 күн бұрын
@@gretchenzalenski7539 You're so great to watch my videos all the way through! Thank you Gretchen! ❤️ 💙 💜
@CashBudgetRetiree 4 күн бұрын
@gretchenzalenski7539 I meant to tell everyone on my video the code to use to get 50% off of everything in my Etsy shop all week until August 31st. CODE: HAPPYBIRTHDAY etsy.com/shop/cashbudgetretiree
@gretchenzalenski7539 4 күн бұрын
Happy Birthday Valerie , I enjoy watching and being inspired by you. God bless you
@CashBudgetRetiree 4 күн бұрын
@@gretchenzalenski7539 ❤️ Thanks Gretchen! I appreciate you and your kind comments! XO ❤️
@TeachSaveTravel 4 күн бұрын
Good Morning and happy Sunday!!!
@CashBudgetRetiree 4 күн бұрын
@@TeachSaveTravel Thanks Jen! Have a great week at school! ❤️
@CashBudgetRetiree 4 күн бұрын
I meant to tell everyone on my video the code to use to get 50% off of everything in my Etsy shop all week until August 31st. CODE: HAPPYBIRTHDAY etsy.com/shop/cashbudgetretiree
@barbieamica2023 4 күн бұрын
Happy Birthday Ms. Valerie 🎉🎊🧁 May God Bless you with many more years 🙏🏾
@CashBudgetRetiree 4 күн бұрын
@@barbieamica2023 ❤️ Hi Barbie! Thanks bunches! ❤️
@CashBudgetRetiree 4 күн бұрын
I meant to tell everyone on my video the code to use to get 50% off of everything in my Etsy shop all week until August 31st. CODE: HAPPYBIRTHDAY etsy.com/shop/cashbudgetretiree
@CashBudgetRetiree 4 күн бұрын
I'm celebrating my birthday all week. Use code HAPPYBIRTHDAY from Sunday to Saturday, August 25 - 31, 2024 ONLY, get 50% off everything in my Etsy shop! Etsy.com/shop/CashBudgetRetiree
@angelpurcell3156 4 күн бұрын
Happy birthday 🎉 the cards are so sweetc❤❤❤❤❤
@CashBudgetRetiree 4 күн бұрын
@@angelpurcell3156 ❤️ Thanks Angel! ❤️
@CashBudgetRetiree 4 күн бұрын
@angelpurcell3156 I meant to tell everyone on my video the code to use to get 50% off of everything in my Etsy shop all week until August 31st. CODE: HAPPYBIRTHDAY etsy.com/shop/cashbudgetretiree