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My money story also meant that I landed myself in debt, but I’m glad I came out of the other side!!

Jheeze Yinkz! Well done guys 👌🏾👏🏾

So if you watched my comeback video then you would know I've decided to do a podcast with my amazing husband!! Let us know in the comments how you found the first episode ☺.

I really like your videos very useful advice

Welcome back I just came across your channel I have subscribed

She's got good savings for her income and is saving a reasonable amount of % too. However, take that 3k from Chip savings (which is only 30% of her savings) get rid of that credit card debt!! Then in just months of paying 300 a month (which she can afford from that surplus) she will be entirely debt free!! That feeling will be amazing

OMG! Dropped everything for this! Hope you are well!

Are there any changes you would make to this budget? Let us know in the comments below!

Hiiiii😊❤

So happy! I missed your videos and lives so much.

I’m back!!! It’s been a hot minute since I was last on RUclips, but I’m looking forward to coming back with new videos!!! Make sure you subscribe so you don’t miss any updates!

Welcome back!!!

Welcome back Veronia. I am looking forward to you coming back 💜🙏🏼

Looking forward to the podcast. Great news 😊

Hey Veronia, random comment but realised yesterday hadn’t seen you pop up on my feed, checked Instagram too and you’ve not posted in a while. Just wanted to let you know you’re missed and hope you and the family are ok ❤❤❤🙏

I can't wait to say I splurged £1.29 on blueberries 😭 Uni life man

lol I am living with my Mom who doesn’t have a mortgage on the house so her expenses are moderate as well. She doesn’t work because of rental income she gets. I work full time and have no student loans. Living with her has really helped me save and build wealth. I was able to save $300k in cash and looking into investment strategies. As a single person who doesn’t want to have kids it works out for me.

Helpful, thanks!

Here is a trick I learned. Every time I pass a junk food isle or something is not on my list, I start reciting on repeat: "Lord, lead me not into temptation." Works like a charm. I am agnostic.

Thank you for making this video. I’m pretty sure we are keeping the bank running from overdraft. It’s so embarrassing and we have kids and bills and a car loan and groceries, dance, marching band, school fees, you get it. It’s tough. We fell behind and because we are behind, we have to keep overdrafting to pay bills. We actually make decent money and we can afford all of our monthly bills. We just can’t get ahead.

I have my emergency fund of 6 months expenses, and I can finally put £20k in the stock market (mutual funds only though, terrified of single stocks!). The only thing is that even though I have my buffer, I don't own a home, and I simply do not want to buy yet. All I can afford is a flat worht £160k in one of the counties, and nothing about that appeals with soaring ground rents, diminished income, and the tied down feeling, and the cost of commuting if i needed to work in the city. Is it ok to continue renting and still invest? Otherwise I have my money in a 4.5% interest account losing value b/c of inflation.

Hey, really liked the video🙌! I'm not really sure if it is the best time to ask but, I was wondering if I could help you create a better distribution by working on post-production like better storytelling through Edits, Keywords, think catchy intros and outros, or even some engaging short clips! Would love to chat if you're interested and keep creating good content:)

Very helpful vid! Do you have any books that you recommend that goes deeper into this topic?

Love this ❤ Thanks, Veronia !

What is your total capital in ur brokerage ?

Hello, I like your skin stonne you are beautiful

Very interesting video

What’s one lesson that resonated with you? Let us know in the comments! PS: You can book a call to learn more about 1:1 money coaching, where I’ll help you to save more money in your 20s and beyond here: bossfinanceacademy.com

I miss your investment portfolio updates, this goes some way to explain why they stopped

This video was recommended for me today after 3years posted lol 🤣

Here's the problem I have with banks, checking accounts I have enough of I have more than one bank so I have about 3 checking accounts, but when I am opening a new cd account when it has a promotion going on I will tell th bankers and they will try to get me to open a checking account to. Honestly there's nothing wrong with a checking account or a regular savings account it's just it has no interest like a cd account does.

This is so helpful, just started on this journey, I’m going to save the full amount of each debt and then pay it in full🙌

Ps. Would be good to see a video on where the best place to invest a small lump sum of money eg (between £2,000 - £3,000) in today's market. Any ideas Veronia?🤗

Great video Veronia ❤ Years ago my spending was as you put it, a hot mess! I use to be overdrawn every month. Until I learned to automate my savings first and not wait until the end of the month when I had spent all my money. I would still like to know if I am saving the right amount each month.

What is this? This video is horrible dont listen to this lil kid

What’s one lesson that resonated with you? Let us know in the comments! PS: You can book a call to learn more about 1:1 money coaching, where I’ll help you to save more money in your 20s and beyond here: bossfinanceacademy.com

Fun fact: If over the past 40 years, UK wages had kept pace with other major costs (rent/mortgage, energy, etc), then average salary in 2024 would be in the region of £60k - £70k.

Thank you So much for your content creation.

Great Content 💌

Hi Veronia, thanks for the video. As someone who's 23 and just got their first graduate job these are exactly the type of videos I need right now! I was just wondering if you think it is best to prioritise paying student loans off early or not? I'm a mechanical engineer so I dont see myself ever earning a high enough wage where I would be repaying an insane amount extra in interest. Currently I have the choice of saving for a house deposit now and building a good foundation to move out, or pay down my student loan early to avoid it getting out of control. For us Scottish graduates on Plan 4 loans the threshold at the moment for repayments is around £31k so my minimum repayments are only £18 so I'm thinking I could use that extra money and save a large lump sum over the next 3 years and move out before my brother gets back from university. Open to opinions from anyone else in the comments too as I'm just really starting my financial journey now and trying to be smart about it. Would be good to hear from people who have had experience or are currently in the same situation as me. Thanks everyone!

What’s one lesson that resonated with you? Let us know in the comments! PS: You can book a call to learn more about 1:1 money coaching, where I’ll help you to save more money in your 20s and beyond here: bossfinanceacademy.com

Loved this video. It's frightening how debt can be so overwhelming.

Learned the hard way that you also have to avoid lifestyle creep when you have more money.

Council tax, phone bills, Bt all went up in April, probably a few I am forgetting too. Just trying to catch my breath since getting a mortgage, I pray I get back to savings a lot more 🙏🏾

Thank you so much for your tips I can relate so much on what you've said especially when it comes to habits. Even though I'm making extra money my spending habits remained the same. I'm on my journey of getting out of debt and working hard on it. I just want to be free financially and not live paycheck to paycheck. Another major point you've raised is bringing God in the journey. I appreciate that I think spirituality is essential in whatever we're trying to do or achieve. Thanks again 😊

What’s one lesson that resonated with you? Let us know in the comments! PS: You can book a call to learn more about 1:1 money coaching, where I’ll help you to save more money so you can finally pay off your debt here: bossfinanceacademy.com

Amazing!! Thank you

I’m using the Financial Joy book and I am learning so much and have updated my budget