- Видео 14
- Просмотров 4 094
Kirsten (Kit) Rainey
США
Добавлен 1 ноя 2012
Follow me as I look on the bright side while I pay off debt, reflect on my mistakes, and build wealth.
Traveling While Paying Down Debt: Enjoy Life Before Financial Independence
Woke up with some thoughts about how we’re pursuing FIRE.
After beginning our debt pay off a few years ago we’ve pumped the breaks on the intensity to start our facility and shine our focus there.
Spending quality time doing what we love is important even along the path to Financial Independence. That’s where the personal comes of personal finance I guess.
So we took a trip to Puerto Rico! A long one too, with lots of naps and slow days with our new baby on our hips.
Just wanted to share my thoughts about enjoying life one the way to paying off all our debts.
This is our last big trip for a while. In just a few days Brad will be back to work and I’ll be starting a new job postpartum.
Wish u...
After beginning our debt pay off a few years ago we’ve pumped the breaks on the intensity to start our facility and shine our focus there.
Spending quality time doing what we love is important even along the path to Financial Independence. That’s where the personal comes of personal finance I guess.
So we took a trip to Puerto Rico! A long one too, with lots of naps and slow days with our new baby on our hips.
Just wanted to share my thoughts about enjoying life one the way to paying off all our debts.
This is our last big trip for a while. In just a few days Brad will be back to work and I’ll be starting a new job postpartum.
Wish u...
Просмотров: 26
Видео
Postpartum Update: Credit Score News, Vacation Booked, Savings Gone
Просмотров 316 месяцев назад
Postpartum Update: Credit Score News, Vacation Booked, Savings Gone
Self Funded Parental Leave: How It's Going 2 Weeks In
Просмотров 548 месяцев назад
Self Funded Parental Leave: How It's Going 2 Weeks In
Baby Update
Просмотров 369 месяцев назад
Quick update since I didn't upload a video this weekend! Sorry for the silence but we brought our baby girl home. She is healthy and happy. Bradley and I are taking the time to learn how to take care of her and catch up on some MUCH needed sleep. Thanks for the support and see you next Saturday.
Budget & Spending Review: December 2023 Emergency vet, car bills, and house renovations
Просмотров 539 месяцев назад
Budget & Spending Review: December 2023 Emergency vet, car bills, and house renovations
My Debts Were Out Of Control: Things I Did To Get Back On Track
Просмотров 2869 месяцев назад
1. Stop using your credit cards. 2. Stop paying out-of-state tuition. 3. Get the help of a free financial advisor. 4. Calculate how much is owed, to whom, and when. a. Call collections agencies and work out a deal to settle the debt. 5. Write each debt from least to greatest. a. Then create a calendar for your money with the due dates for every minimum payment. 6. Any leftover money at the end ...
2023 Money Wins + 2024 Goals: 1 Year of Financial Progress and What We're Working on Next Year
Просмотров 529 месяцев назад
2023 Money Wins 2024 Goals: 1 Year of Financial Progress and What We're Working on Next Year
Why I'm Not Pursuing Medical School: Personal Finance Mistakes & Lessons I Needed to Learn
Просмотров 10210 месяцев назад
A deep dive into why I quit my 6-year Pre-Med journey to commit to fixing my personal finances. From living frivolously with no budget to taking out-of-state student loans, I tried to apply to medical school with $50,000 in debt. Thankfully, I realized how important it was to pause my pursuit of higher education and learn how to manage my money.
Saving By Switching From Verizon to Mint Mobile: How Much Money I'm Saving and Things To Consider
Просмотров 80210 месяцев назад
Here's my Mint Mobile referral link if you want to make my day. fbuy.me/uEX7g Swappa is the website I use to buy cheaper devices when I need one. swappa.com Happy saving!!
Paying Off Debt + Pregnant: Baby Step #2 While Preparing for Baby #1
Просмотров 6110 месяцев назад
Paying Off Debt Pregnant: Baby Step #2 While Preparing for Baby #1
Cross Country Move: Going From High to Low Cost of Living
Просмотров 5010 месяцев назад
Cross Country Move: Going From High to Low Cost of Living
10 Tips That Made Me $10k on Facebook Marketplace
Просмотров 6311 месяцев назад
Boy oh boy does selling things make moving and Baby Step #2 easier! In this video, I'm elated to share with you my 10 Step process for selling items on Facebook Marketplace. Best of luck to you on getting junk out of your living and storage space and putting money in your pocket! Thanks for watching!
Why I'm Starting a Personal Finance YouTube Channel in 2023
Просмотров 7011 месяцев назад
Everyone has to start somewhere right? As my first video in a series of what's sure to be an embarrassing fumble through content creation, I hash out exactly why I want to create a RUclips channel around personal finance. While I know there are plenty of us who didn't grow up with saver parents and automatically happen to be frugal Freddys, I can't help but SMH when listening to a podcast or RU...
Helium Mobile is cheaper than Mint Mobile! $20 a month gets you 30 GBs of data
Congrats on the new baby. Hope you guys can knock out the debt, and keep the momentum going.
Thank you! We’re so excited to get the checks rolling in so we can make some big strides this summer. I’ll keep the channel updated as we do :)
You could’ve used US mobile or Visible MVNOs if you wanted to stay on “Verizon network”
I'm thinking about switching, way to much money
Do it! I have no regrets. After referring a few friends my yearly phone bill is going to be $60 bucks when I renew. It’s a no brainer.
So happy for you!
Thanks so much! I’m super proud :)
I've been weighing moving from Verizon to Mint. My yearly cost will save me 800+ dollars. Its almost a no brainer!
It’s crazy when you think about what you actually need… it’s not worth it to have a service when you pay so much!
Hey, Hope you are well. I recently visited your RUclips channel and was impressed by its aesthetic appeal. Your content is very good and your video quality is awesome. Such videos are in great demand. But it would be best if you had some updates. However, I couldn't help but notice several areas that require attention, such as SEO, rank tags, and tag volume, which seem incomplete. It appears that there are several other issues as well. I'm confident that I can assist you in optimizing your RUclips videos to improve their visibility and overall performance, waiting for your response.
No thanks!
Happy New Year. Vet bills are the worst.
Happy new year! Ugh yes, so thankful for the service but yikeeeesss the paying up hurts.
I had an unexpected bill with my dog needing a sudden surgery. I do not have pet insurance, but instead put $50 dollars a pay in a high interest account. This account covered all the expenses with a substantial amount left over. This works for me and my best girl.…🐶.
THIS. A fantastic point and will definitely be starting a sinking fund like this in the future for things like car maintenance and vet bills. Thanks for the comment!
Love your channel!
That means a lot! Thank you!
This is a month you’ll look back and laugh at in five years even though it’s not funny now. My wife and I followed Dave Ramsey too, and the first time we had our emergency fund built up no joke the next day we found out we had moisture under our house building up and we needed a $3,000 industrial dehumidifier installed.
SMH NO! lol kinda funny now but that is SO discouraging in the moment. You're right though 100000%, ( I Hope.) It's the only thing I was thinking when posted this video. It won't be like this for long and that one day in the future this video will just show a road map of where we've been and how far we've come. Thank you so much for your kind words, they mean so much!
Wow your doing a great job. Keep it up. 6600 a month! Thats a lot of money.
Thanks! We're working on it, a little set back but we'll get back on track.
New Subscriber here. I just found your channel and it is great to be here. I am excited to be following and supporting another fellow person who is ready to change her life. This is exciting, you got this.
Your comment just gives me life. THANK YOU! and rooting for you too!
my 22 year old has adhd and doesnt have debt but im over it helping him set up things automatic. OMG
Glad he has someone to help him with his finances! Autopayments are so nice.
You should go on Caleb Hammers show
That would be awesome! I actually didn’t know who he was till your comment so thanks, I checked it out and really like what he has to say in his audits.
Your steps seem right for me, too! Keep going!
Thank you so much!
Love this
You made the right choice. If your not committed to seeing medical school through and become a doctor, it will just compound (literally) your debt. Everyone thinks they can do it all but then complain when they have too much on their plate even though they are the ones that signed up for and knew what it was beforehand. Choices and tradeoffs. Women usually think they can be a doctor and be a mother. Doesnt work like that. Medical school is 60 plus hrs of school and study and not even mentioning hands on. Then these same women complain that they dont have a personal life. Well no sh*t. It was one or the other.
Thanks. Though I was fully committed I’m glad I realized the complexities of bringing a family into my debt and how I could be a slave to my job if I continued. While I disagree wholeheartedly about mothers being doctors, knowing several excellent ones myself, I do appreciate your thoughts on the subject.
I switched my family to Mint about 3 years ago and never looked back. The only issue we've had was on a road trip traveling through a rural area we did not have service. I can't see a reason to pay more for another service provider.
Can definitely see that happening. If you prep in advance or have map backups though it’s no problem! Glad you’re happy with the switch too. Thanks for the comment.
Hi, I'm twice your age. The fact that you have had this breakthrough so young in life also bodes well for your success. Wish I had these insights earlier in my own life. Thanks for sharing.
Wow, thank you for those kind words. I appreciate it more than you know!
Hey great content. I have 5 kids (25, 22, 20, 18, 18) and stress to them about avoiding debt traps. So far I've been able to keep them out of debt. I think the college loan scam is one of the greatest travesties for our kids. Makes debt slaves right out of the gate. Stay out of the bars, eat at home, and don't get pregnant. You will dig yourself out. The cool thing is, you learned a lesson and take responsibility. So many people your age will never figure it out.
Hey, thanks so much for the thoughtful comment. I couldn't agree more about college loans. It is so easy to hit accept without understanding the consequences (guilty!). lol love the rules and appreciate the encouragement!
life is complicated, its good you are actually planning! me and my fiancé are getting married December 15th(and most likely plan to have a child in the near future) and love to hear someone that is in a similar situation:). glad yall made it safe!
Congratulations! And best of luck :) thank you so much!
It's inspiring to hear your story. Keep up the good work on your financial journey.
Thank you so much! The encouragement is everything.
I'm at a very similar part in my life I'm living in a move in build house 13,000 in debt. 1 new born daughter. This is inspiring to me to know that we as young people are doing what we need to do.
Happy to know there are others out there keeping their heads down and trying to make a difference for themselves and for their families.
Great job paying off debt. Keep doing what your doing, your doing a great job, stay consistent youll be where you want to be.
Yes! Thank you. I appreciate your encouragement! We’ve made so much progress that we are so motivated to keep going.
Where's your husband to help guide you
Right by my side. Also paying off his debt.
love the tips! Also, for Zelle it should only be people you know, its the easiest place form to scam because the transfers are instant and extremely hard to reverse. Thanks for the tips!
Thanks for sharing! Great point, can’t believe it’s so common but good to know how to recognize.
I like the snowball method, it really does give you motivation once you've paid off the first card.
I totally agree. The psychological motivation is a big win that helped get me excited about keeping up the momentum.
I feel you, it's a breath of fresh air when you're out of debt and create an emergency fund. Been there and done that. Never again.
Can't emphasize enough. It's life changing to be more financially stable. Thanks for your input! Happy it's in your past.
I got introduced to Dave Ramsey a couple decades ago, and his program absolutely works. Got out of debt and able to build wealth. People should listen to his podcast and watch his RUclips channel to hear the debt free screams people do and to learn how to manage money. It truly, like you said, is a life changing approach. He does have a program Financial Peace University that is a step by step program of getting out of debt and building wealth. But, its also the psychology and mindset that has to occur along with the steps.
Good of u to be self aware and figure this out now! You’re ahead of the pack. I’m the only one in my entire family who isn’t living check to check
Thank you for the encouragement! So nice to hear positive comments like this. Happy you figured out financial responsibility on your own. It feels so good to have some wiggle room and options!
Beautiful looking girls cannot be poor. I have a hard time to wrap my head around it.
lol I wish you were correct. And thank you?! Looks have definitely given me opportunities to increase my net worth but it seems I was hell bent on destructive financial habits. I guess pretty can't beat ignorance lol.
As a CPA, I have seen many people in the same situation and talking openly about it will help a ton. Thanks for sharing I think it'll help a LOT of people!
Thank you so much for your feedback! I appreciate your support :)
Congrats on starting your channel! I just started mine and YT sent me here lol. Subscribed!
Awesome! Thank you! How sweet to get that support so soon and how one sub can be so encouraging.
@@personalwealthkit keep going! Seems very natural on camera and you have a good backstory. I’m posting my first non short video tomorrow, definitely nervous.
Very grave of you to be upfront and make a video about it I’m not very good at holding down jobs That’s my kryptonite lol
We've all got something that holds us back. Thanks for watching. I'm rooting for you! Maybe you're an entrepreneurial spirit.
I have been there before. I was broke didn't have 1$ to my name now I have 15,000 in savings and investment 3 years later with no debt.
This is a HUGE accomplishment! Thank you for sharing! Inspiring for me to hear these wins.
I am starting my progress of learning about finances journey as well as a 27 year old. I was always scared of learning, but since I have started learning, I have found more peace. I feel like the more I know, the more I am not scared of the unknown. Wish you the best! I think you will have a great RUclips channel as long as you stick with it and posting regularly. You are naturally easy to listen to. Wishing you the best!
This is such a genuine and heartfelt comment. You have NO idea how much your words mean. Thank you!! I've got a bunch planned and your comment is fuel to my fire. Thank you again! Also, 27 seemed so old for me to not have my shit together. I hope you know how many people never figure it out so you can do it! We have such an advantage these days with easy information at our fingertips. I hope I can help you in your journey too! Goodluck & you got this!
3rd subscriber
Thanks!
first like
Thanks!