Scrubs & Savings

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@victorooroo 2 күн бұрын

I use CC with Aeroplan rewards but I am not sure if it's better than CC with cash back rewards 😵

@ScrubsandSavings21 Күн бұрын

It depends on how often you travel!

@ReeseVenezia 2 күн бұрын

Nice vidéo Mia !! I'm glad I've discovered your channel !! Btw could you please link the excel tab :)

@ScrubsandSavings21 Күн бұрын

Hi! I’ll try and make a nicer version for next year :)

@themichaelw 3 күн бұрын

Ooh, love nerding out on credit cards. Love the dedication from you on this channel! It’ll pay off for sure An interesting video idea I’d like to see is a video about how you would budget a hypothetical 50k, 100k, and 300k salary. No pressure on if you don’t want to do that, you won’t hurt my feelings.

@ScrubsandSavings21 2 күн бұрын

Hi Michael! I would love to do a video like that. I'll start brainstorming about what that would look like! 😊

@adams5773 4 күн бұрын

Credit cards are like fire. Use it responsibility and it is an incredibly useful tool, use it irresponsibly and it can burn down your house. If you do not have the money in your bank account to cover the entire cost of a purchase at the time of purchase, you should not put it on a credit card. I do not care if "I'll get paid before the payment is due". You are playing with fire.

@ScrubsandSavings21 4 күн бұрын

This is a great analogy!!!

@Niensbudget 5 күн бұрын

Great video! ❤ Here we don't usually use a cc. It's only for emergencies and when we travel.❤

@ScrubsandSavings21 5 күн бұрын

Hopefully you can build up an emergency fund and not hAve to rely on a credit card though!

@yashvelhal4497 6 күн бұрын

Only in case of an emergency.

@JC-rp6sp 6 күн бұрын

That is the dumbest thing anyone can do with a credit card 😂

@flubbers 6 күн бұрын

Its reason for being used varies from person to person. Some people use them to help build credit for the future. For some people it helps to finance larger purchases that can be paid off over time if you have 0 APR for example. And some people just like to use them for the rewards and bonuses from them. I recently opened up another one so I can put my bills on and I get extra money back for spending a certain amount on it.

@davidg11134 5 күн бұрын

use it everyday make that money off them boi pay it off every month

@ScrubsandSavings21 5 күн бұрын

Hi! I hope most people can build a solid emergency fund so they can avoid using a credit card in those situations:)

@yashvelhal4497 6 күн бұрын

No one should use a credit card.

@JC-rp6sp 6 күн бұрын

I’m guessing this is rage bait? I earn an average of $284 a month with credit cards. I’m expected to make even more with my credit cards and I don’t pay a dime in interest

@yashvelhal4497 5 күн бұрын

@@JC-rp6sp but if you miss only one month then your fucked

@yashvelhal4497 5 күн бұрын

@@JC-rp6sp the risk is to high. Risk to revord doesn't make sense.

@JC-rp6sp 5 күн бұрын

@@yashvelhal4497 you have two months to pay your credit card 💀 if you don’t check your app at least once to pay it, then that’s a skill issue. I’ve never missed a payment, never paid interest, never above my means, and I travel the world for free/discounted rates in 5 star hotels and Michelin star restaurants. I’m diamond status on Hilton and platinum on Marriot, presidential circle on hertz, and I stay in private lounges with free food in the airport. The work you gotta do ain’t for everyone, but everyone would love it if they can handle it

@masonlockhart4888 5 күн бұрын

⁠@@yashvelhal4497no it is not, your just incompetent

@PeculiarBachelorYouTube 6 күн бұрын

Forget the points or rewards. If you are frugal enough, you'll see that you'll have to spend a large amount just to get something out of it. I only use one credit card to isolate my bank account from payment transactions. I also deliberately overpay my card every month based on my budget, so it functions as if it's a prepaid card. Just choose a credit card with no annual fee and from a bank that is not of your payroll & savings account. Never carry balance or use it on installments as it means that you are spending more than you can actually afford.

@ScrubsandSavings21 6 күн бұрын

Hi! Great advice for those who are frugal and want a simple credit card set up :)

@addictedtotemplates 6 күн бұрын

I need to start watching more money videos like this one. Not good with my finances!!!

@ScrubsandSavings21 6 күн бұрын

Hi! I hope you explore more videos about personal finance, even just learning the basics of budgeting, saving, and investing will help you get so far!

@Sweetzandmore 8 күн бұрын

Hi new subbie. 😊

@ScrubsandSavings21 7 күн бұрын

Thanks for subbing!

@johnk3841 9 күн бұрын

I have ynab but idk how to use it lmao

@ScrubsandSavings21 8 күн бұрын

I’m probably gonna make a quick video about how to use it!

@ineedfinancialsuceess25 9 күн бұрын

Hi, really great video :-) I've been considering getting onto YNAB since I already use the subreddit to help me budget. Right now, I just use google sheets

@ScrubsandSavings21 9 күн бұрын

Try out the 34 day free trial! I don’t have a referral link, but a lot of other YNAB KZfaqrs do :)

@growwithcharity 9 күн бұрын

Always here for your channel, we will be here to see you grow

@ScrubsandSavings21 9 күн бұрын

Thank you💖😊

@thextreme.25 11 күн бұрын

you'll surely grow.

@growwithcharity 9 күн бұрын

💯

@midnightbudgets 11 күн бұрын

Great video.. 👍 Thanks for sharing your budget.

@ScrubsandSavings21 11 күн бұрын

Thanks for watching!

@AbhiNagar2000 13 күн бұрын

Keep going Girl... You're doing so good❤

@ScrubsandSavings21 12 күн бұрын

Thank you!

@tashuwamustgray7220 13 күн бұрын

I'm super impressed

@midnightbudgets 15 күн бұрын

Thanks for sharing these tips. I appreciate it. 👍

@ScrubsandSavings21 15 күн бұрын

Thank you for watching😊

@yzacandava 16 күн бұрын

Thanks for your video! Hoping you could share the Google Sheets templates, especially on the Net Worth dashboard. 🙏

@ScrubsandSavings21 16 күн бұрын

Hi! My net worth dashboard is from a KZfaqr “Zillenial Finance”! You can find it in one of her video descriptions. I hope to make nicer Google Sheets before I share them😊

@yzacandava 15 күн бұрын

@@ScrubsandSavings21thank you so much! Excited for your own version. 🤍

@myriamgagnon68 16 күн бұрын

I love your spreadsheets ! Very cute colors. Always love seeing the whole year vs month to month. If I could just suggest to freeze your first columns so that we can still see the headers when you move to the right (in your goals and spending sections). Keep it up !

@ScrubsandSavings21 16 күн бұрын

Oh great suggestion! Thank you so much☺️

@kenbostoen2525 17 күн бұрын

Love the videos! how did you transfer your spendings from YNAB to a google sheet?

@ScrubsandSavings21 17 күн бұрын

Hi! I just did it manually from my spending report☺️

@depressoexpresso8248 17 күн бұрын

Man I thought I was budgeting by occasionally looking how much money I got and what to cut back but you got this down to the T

@ScrubsandSavings21 17 күн бұрын

You gotta start somewhere! It's pretty easy for me since I've been budgeting for a little bit & I have fun while doing it😊

@livelife7440 17 күн бұрын

Awesome job on your progress so far this year! I just have an amount I invest automatically every month and try not to look at my brokerage or retirement accounts except 2 to 4 times a year. I find it easier to keep my money invested and I love seeing my net worth jump after a couple months versus every paycheck. I wish I could budget as consistently as you!

@ScrubsandSavings21 17 күн бұрын

Hi! I love that you found a strategy to keep you motivated. I just found a way to enjoy budgeting and I am so grateful for learning how to do that early on :)

@veronicabennett9173 19 күн бұрын

Great video direct and to the point 😊

@ScrubsandSavings21 19 күн бұрын

Glad you enjoyed it!

@Merryyy203 20 күн бұрын

We definitely have enough. We have more than enough. Great video.

@ScrubsandSavings21 20 күн бұрын

Thank you :)

@TheJonathanRamirez 20 күн бұрын

Good luck Mia! I'm currently switching from accountant to real estate agent soon. I've already reached 6 figure net worth, but now I'm trying to reach 7 figures. I wish you the best in everything!

@ScrubsandSavings21 20 күн бұрын

Best of luck to you!!!

@moneywithjustliving5258 20 күн бұрын

Here watching, great video. You got this.

@ScrubsandSavings21 20 күн бұрын

I appreciate it!

@kelvin5005 21 күн бұрын

How do you deal with other people judging you I struggle alot with this for not wanting to spend my money on unnecessary things? Thank you for the vid

@ScrubsandSavings21 20 күн бұрын

Thank you for your question! I think letting people know that you would rather make progress towards your goals over spending money on things would help lessen judgment :)

@ashleytchannel5403 20 күн бұрын

Yes, some people don’t understand because we are surrounded by consumerism and it seems more “normal” to spend frivolously vs save and spend only on necessities. It’s sort of backwards thinking if you think about it.

@jianlin9154 22 күн бұрын

Great Job!

@ScrubsandSavings21 22 күн бұрын

Thank you!

@PeculiarBachelorYouTube 23 күн бұрын

It's possible, this is what I do. Buy everything you need before the start of the month.

@ScrubsandSavings21 22 күн бұрын

Great advice!

@Merryyy203 20 күн бұрын

I think that a no spend challenge is about not buying unnecessary stuff. If you need something, like food, shampoo if you (are about to) run out, petrol, etc., you can buy it during the month you are trying to save up. I need to do this again but when travelling I spend way too much. Wanna cook more "at home", take my water bottle with me, if possible not go into shops, I always end up getting something.

@jeantesc812 24 күн бұрын

You're doing great!! I see a bright future for you filled with lots of that sweet compound interest!

@ScrubsandSavings21 24 күн бұрын

Thank you!

@Niensbudget 24 күн бұрын

Great amount saved for your travel fund. As a travel addict 😂 I love that. ❤ Thank you for sharing!

@ScrubsandSavings21 24 күн бұрын

I love being a self-proclaimed travel addict!!

@PeculiarBachelorYouTube 25 күн бұрын

Yup, yup. There's always evaluation during end of month so you can see where you can improve on your next budget. Keep going, it's a good motivation to see someone else's journey towards financial independence.

@ScrubsandSavings21 24 күн бұрын

Thank you!! I’m glad my videos can serve as motivation☺️