I met her in a conference in Washington DC and after her speech I was opportune to meet her and I started investing, I'm happy today because of expert Mrs Lucy Mary Liam
Successful people don't become that way overnight. What most people see at a glance- wealth, a great career, purpose-is the result of hard work and hustle over time. I pray that anyone who reads this will be successful in life..
Love this! This was a slap in the face through the screen. I ended up saving 4K in a month and a half. Sad to think I could have more in my savings if someone slapped me through the screen earlier lol!
Saving is HARD but being BROKE IS HARDER. Golden rule right there. I have a couple of friends from high school and college that are broke asf and I wish they understood this concept.
I did it!!! As a CNA in 3months but bought a car and other things so now I gotta start over 😒Soo this time Ima work smarter not hard and if I stack it up once I stack it up again🙏 My winning season is soon near its gonna be here sooner than I think it will. IN JESUS name I 🙏 PRAY!! Amen
Grocery shopping once a month is honestly realistic. After working, going out with friends on a weekend or two, and simply staying in really goes by lol.
I saved 15,000 in three months I have like 4 side hustles though, I don’t splurge every time I see what I want , I spend my money on things that is needed such as food, bills, gas, I do treat my self every now and then . Never spend a lot of money on a pair of shoes or a bag , or clothes because some people don’t make that in a week , shop sales stuff . If you want to help I got you
"Anyone who is not investing now is missing a tremendous opportunity." I’ve been able to build a big income stream investing with, Mrs Maya Payson, she changed my whole life.
@Bentley Eric Yes Eric she's very good, one of the best. A registered investment Advisor that's well grounded on financial market. I. Met her once during a trading conference in London.
I am not here to converse for her but to share a testimony of what I confirmed, she’s the best broker i know who is sincere, trustworthy and reliable. kudos! Maya
That bill account is everything! It can be hard to start if you're in a paycheck to paycheck situation, but once its set up it can take so many worries off your mind.
Yes, it´s hard to start, but if you already start and build-up for bills, so it´s not that bad. In my part, I also live paycheck to paycheck, but I am 8 months ahead with my bills as of now. Anyway, greetings from Denmark 🇩🇰.
Lots of people are saying that it’s better to invest. Of course…but before you invest you must have money saved up. You don’t save to save. You save to invest. Either way, the first step is still saving! I stopped getting acrylic nails and braids & saved so much money!
Some good points. I wished you had showed how you actually saved $10,000 with a financial breakdown. I know your points are some things to do, but not seeing where $10,000 has been actually saved. Thanks for sharing some saving strategies though.
It’s says “ tips “ in the title not a break down . Ppl want everything handed to them she gave a great blueprint , if you can’t handle the rest you need farther help than a RUclips video .
Hi. I am guessing that she placed all of the money that was not allocated to bills/going out into the bank. So, in a nutshell - pay the bills and save everything else. Also, cut down on the monthly bills by decreasing the services you subscribe to. Best regards.
thank you so much for this! I recently turned 19 and haven't been able to budget my money properly and have had many emergencies. if I want to be financially independent and have my business one day I need to get my shit together and this has given me the motivation and knowledge that I need. thank you thank you thank you new subscriber!
You’re very smart for realizing this at the age you’re at!! Keep a savings… or better yet keep two! One for saving up for your business and one for savings you NEVER plan to touch !
Great tips. Meal prep is everything. I cook once or twice per week. Dried beans is my friend. I stew them, curry them,bbq sauce. I never get bored. Cabbage is also my friend, meat maybe once per week. Saves a lot
After a terrible 2022, shell-shocked financial backers have a lot to think about and losses to recover from. An expansion report and a wealth of other data did little to alter assumptions that the Central bank would likely keep raising interest rates regardless of whether the economy slows down. This implies that portfolios will experience more losses during the first quarter of 2023. I'm currently at a crossroads deciding whether to exchange my $250k security/stock portfolio; how might the continuous market volatility work to my advantage?
Concentrate on two main objectives. First and foremost, keep yourself safe by knowing when to sell stocks to reduce losses and maximize gains. Second, prepare yourself to gain from a market turnaround. I advise you to seek the advice of a representative or financial counselor
@@MaryPatricia-wr3wj In fact, ever since Coronavirus, I've been in regular communication with financial examiners. Nowadays, buying moving stocks is quite easy; the trick is knowing when to buy and when to sell. The section and leave orders for my portfolio are made by my counsel. accumulated more than $550,000 from a $150,000 savings that was initially stale.
@@MaryPatricia-wr3wj She is MARTHA ALONSO HARA, my consultant. Since then, she has devoted section and leave attention to safeguards that I have been keeping an eye out for. You can locate information about the chief online, on the off chance that you're interested. I made no regrets about substantially adhering to their exchange strategy.
@@ThomasWilliam-sw8ms sincerely thank you I looked her up on the internet and was awestruck by how qualified she was; I contacted her since I need all the help I can get with canning. I've just scheduled a call.
I’m a speech therapist too!! You go girl! We are so lucky to be able to work PRN/see clients on the side for supplemental income! We have an awesome job for that 😍 love this video! Keep up the amazing work girl!
This was really good info, Kaila. I easily spend $1000 a month on hair, nails, food and cable.🥴 I own a medical billing business and have SLP clients so when you mentioned you were one I was like okayyy😹🖤
You’re right about saving by doing your own hair and nails. I got tired of getting my nails done because it they didn’t do a good job so I looked up how to do my own. I love being able to do my own because they’ll last and I’m saving a lot of money. For hair I can do crotchet braids or I’ll let my mom do my hair for like braids. And then I could always buy a wig!
Yes yes. Nail pop off. I get manicure that's all..paint them myself. Wigs..plus my hair natural I only but dye to cover the gray then I'm done. I'm 66 and still no how to keep myself up. Jeans ..black pants..jackets..white blouse..black dress..red dress. Black blouse. Little jewelry I'm good to go. May / black- brown pants. My mom said yrs ago but out if season quality pieces interchange them. Put that crock pot on...lol I'm chilling
Every $1 you invest is a little bit of time you buy back in the future. The more you invest now, the more free time you can afford later. Having time and the freedom to choose what to do are the ultimate investing goals.
Instead of saving, I’d rather invest but I’m at a crossroad as to where to put my money for better returns than leaving it in the bank. Stuck between investing in the stock market or real estate.
Although I’m not doing it alone, the stock market has proven to be more than an avenue to generate residual income for me as it turned out to be rewarding over the past months, plus a stock won’t call you at 1 am to complain about a broken roof ( Personal experience).
@@brandongait2234 Never looked at it from that point. Makes sense now. I’m looking to start up but come across a lot of garbage out there. Have you any reliable leads to invest?
I absolutely love financially literate queens!!! Not often I see women that look like me that are, and every time I do it gives me hope for the little queens growing up 💪🏽 you go sis ❤️❤️❤️ SUBSCRIBED!!!
My problem is buying Jordan’s early every week and eating out 😭 your video helped alot. Thank you. Saving is hard, but being broke is harder. Gotta remember that.
I usually fast forward through long videos, but I watched every single minute and second of yours. Loved the content! Very realistic and useful advice. Thank you so much! 🥰🥰
You are so smart! I wasted so much money in my 20s before kids... now it is like I have 2 mortgages with daycare costs and it is tougher to get ahead. Good job!
I pulled a go hard or go home. Increased my income for a short term cause I had a goal. I exceeded my goal and it was so hard I think I don’t have the strength to ever do it again but I saved $9800 in 11 weeks. I just wish I could repeat the process over n over🥴
That broke shit make my stomach hurt man.... omg scared about where my next meal is coming from. I would most certainly wish it on my worst enemies 😩😭 cause tuhhhh that shit is HARD!
Awesome tips! Adding side hustle can increase the income, grocery shopping 1 time a month that’s me girl! I use to be an emotional spender now I’m not because I’m trying to save to buy a home next year. BTW I just love speech therapist my kids had that for their speech therapy such sweethearts.
I started saving religiously after I paid off my last vehicle. The money that was going towards my car note was now going into my savings account. I had already adjusted to living with a car note, so the transition was a breeze. Now I have a nice safety net that’s still growing… and that’s while I’m currently paying on a new car note. P.S. I was fortunate to get a couple of promotions at my job which is why I can still save and easily pay a car note.
U just got me on track by ur comment.... I also paid off my car a year ago which was $300 if i round it off... I hve 1,700 in 💳 debt.....i can put that invisible car payment towards my credit card.... I said this once b4 but when i get paid i rather save and put little on my card each month instead....
@@TheLookatit I am not a financial advisor. Maybe, look at the interest rate on the credit card and see if you would save more by paying it off faster now and putting less in the bank (in a low-interest savings account). You should be proud that you are saving! That is an accomplishment worthy of praise.
Thank you. I'm waiting to pay my car off. I'm retired and on a fixed income. I do sell sheabutter do fruit baskets. body oils to help my income. Great tips thxs.🙏💜
Great tips….. I remembered when I realized how much buying fast good 3 times a day was really costing me. 😵💫 and I self taught on how to do my hair and started practicing on my nails. I was spending at least $60 every 2 weeks on nails/ pedi. 🤦🏽♀️ I adapted the mindset that doing things myself is saving the money for the things I really want, not feeling limited or stretched thin.
Once a month on groceries would be a concern 😮, however maybe twice a month!😊 Thank you for your advice. So appreciated. I saved 5,054 in 45 days due to the envelope challenge. Starting my second wave. It must be done. Again, thank you so much 😊
Saving is hard but being broke is harder…. I was stuck on that line for the 1st minute of your video. As a high school pers fin teacher. I appreciate your sharing of your education and knowledge.
This video popped up while looking up ways to save up to get my girlfriend and I out of bad financial situations. (I’m unemployed but I got a job interview so if I get the job it’ll be a huge step forward) These tips are very helpful and you’re very professional and lovely, thank you for the advice!
When I first heard you speak I was impressed with how clear your speech was bc I turned on closed captioning to read what you were saying and the closed caption translated everything you said accurately. Then lo and behold you mentioned you’re a speech therapist well that explains it. Lol!
AGREE on the grocery shopping: There is absolutely NO reason whatsoever for a single or a couple with no kids to be grocery shopping weekly or 2-3 times per week, but these are the habits & routines we fall into, plus food shopping is kinda fun -- until you check that receipt after check-out
@@KailaJ Do you have some advice on only getting 840 a month don't have to pay any bills i live with my son I offer to help him on his bills but he doesn't want me to can I save that in 3 months if not can I get close to it please give me a response thank you
Saving $ does help people but for a temporary time. That $ they save is a temporary safety-net. I know of someone who saved 90K. He has 70K in one bank and 20K in another back. He now lives life with less stress because of that safety net But people can also make more $ by spending it, and it can also be a ongoing/residual income.
Living with roommates makes shopping every month impossible, I have one shelf in the fridge 😆 but I’m pretty good about sticking to my list every week.
Ordering food is a lot. I was spending 7 dollars for chips and soda a day at work, and didn’t even realize that it was over 200 bucks a month. Im over here thinking it was my cable and subscriptions, but it was the junk food. Now one 5 dollar bag of chips last me all week or more.
Kaila J it is a blessing to share your progression with others. Keep having that helpful spirit and blessing will continue to overflow! Keep up the great work!
This is such a great video! Ppl don’t realize how much $$ goes out their pocket thru out the month even if it’s in small increments. All of these tips are super helpful. Thank u ❤️
It also helps being a minimalist, when I have my own place, I REFUSE to buy any cable service I am even on the fence with internet lol. I watch RUclips or I am at work so not necessary. I don't need all types of furniture none of that just the basics
That's amazing Kaila! I'm proud of you for saving so much in such a short time and I've learned alot on how I can tighten up and stick to a budget. I also shop once a month that's how my sister shopped so I developed that trait and it's convenient but I do waste alot of food so I need to tweak that thank you again for sharing what you do! It's very informative and helpful😊
Thank you! Sticking to a budget is tough but it can be done. I'm glad i'm not the only one who shops once a month😂It took me a while to figure out what kind of food to buy and what lasts the longest and now its so much easier. Glad the video was helpful and informative💜
Love this! I’m a speech therapist as well and agree with all of your tips. My side hustle is baking and it brings in great extra income too and great for Christmas gifts. Here is a tip when shopping, shop off season and you will save a whole lot of money ( especially if u have kids). Keep giving great advice and I pray much success for u😊
I’m 26 and saving $ is so hard for me lol I have my first full time job and it’s hard to not wanna buy stuff online lol hopefully I’ll get the hang of it soon I read if you see something you wanna buy online wait 30 days and if you still wanna buy it go for it but I like that or put it in your cart for later or Christmas
here's something very minor to put the whole "eating out" piece in perspective: I have (had) been ordering "inexpensive" Chinese take-out every Wednesday for the past couple of years, kinda like a Hump Day tradition/reward -- I finally thought about it, & while a $15 (food + tip) weekly doesn't seem like a big deal at all, that's $780 per year just for take-out...Now think about someone who dines at various restaurants several times a week & is spending way more than $15 per meal -- that's huge
I love the meal plan idea! I never planned out my meals per month. This is something I need to work on. I’ve been good on saving with the 15/hr I make and 16 on the weekends. I had to use my savings recently because I got into a reck but the lady that hit me her insurance payed for it so now I’m working on getting a car and I got a good deal. My payments would only be 328/month so I know I have to get more stick on my savings/espenses. I believe I can do it! It’s my first car too. I’m excited and worried at the same time
Thoroughly enjoyed this vid, payed attention like I was in class! Looking foward to more positive vibes on your channel. I liked, subscribed and turned on the notification bell🤩 now i'm gonna binge on your videos lol. Keep them coming darling.
My accident broke my vaneers. i let everything go. this video is for me. About to become a millionaire.. IVE ALWAYS SAVE SINCE I WAS YOUNG.. BEFORE HAVING BABIES.. THANKS FOR THIS VIDEO
I’ve currently been doing the same for a year. It’s not exactly hard for me to have discipline money wise because I know that there’s a higher goal. It’s just a matter of staying focused and being as minimal as possible. It’s amazing for me to see all the things I don’t need to make me happy and then on the flip side, see people around me consume like it’s going out of style (and they’re usually a little less happier every time). More does not equal more. Money is amazing, I’d just rather see mine in experiences than in materials. And this is coming from someone who has squandered money frivolously living the luxury lifestyle. I love luxe yes but there’s a massive difference between quality and quantity. I also find that when u have less to crowd your physical and mental space, you have less decision fatigue and in turn, your choices and your ideas just constantly hit top tier levels $$$. Good luck to you on your journey and thank you for the upload.
I’m so glad I subscribed! This was a good information to share. Thanks for breaking everything down. 👏🏽💕 I love to budget, it helps me to discipline myself.
If you save like nobody else you can *LIVE* like nobody else when your investments compound! Not keeping up with trends and buying things just because everyone else is very important! Great video Kaila, you certainly have lots to be proud of! 😊
Very smart. So glad to see a young person who appreciates the benefit of self-discipline and financial responsibility. You do reap what you sow. Trends keep people broke.
![Summer Walker - Heart Of A Woman [Official Lyric Video]](http://i.ytimg.com/vi/SFddctbZzw8/mqdefault.jpg)
“Saving is hard but being broke is harder” greatest quote of all time 😅🙌🏾
Thank you 😂😂😂
Very true#facts
@@KailaJ What's the difference between being broke and being poor?
@@sunniday366 Great Question! Being broke is a mindset while being poor is a temporary condition. Both can be changed with a proper mindset and plan.
@@KailaJ amen! 🙏🏾
"saving is hard, but being broke is harder." my new motto 🙌
One you start saving it vets easier
I don’t really need to spend my money so it’s pretty easy for me
I think I'm blessed because if not I wouldn't have met someone who is as spectacular as expert Mrs Lucy Mary Liam
Wow I'm just shocked someone mentioned expert Mrs Lucy Mary Liam I thought I'm the only one trading with her
@@peteraaron6714 You don't need to be shocked I'm also a huge beneficiary of her trading, she has been handling my account for months now.
I remember starting this journey with half BTC but in 14 months I have made 17.8 BTC form days and swing trading with expert Mrs Lucy Mary Liam.
Ever since I lost my job with the ministry I have been surviving through my investment with Mrs Lucy Mary Liam, I'm so glad I invested when I did
I met her in a conference in Washington DC and after her speech I was opportune to meet her and I started investing, I'm happy today because of expert Mrs Lucy Mary Liam
Successful people don't become that way overnight. What most people see at a glance- wealth, a great career, purpose-is the result of hard work and hustle over time. I pray that anyone who reads this will be successful in life..
Assets that can make one successful in life
I.bitcoin
2.Stocks
3. forex
@@jamesmurphy9772 You're right
But I don't know why people remain poor due to ignorance
please I have been hearing about this Mr Aitor Lorenzo from my colleagues at work. How do I easily contact him
Grocery shopping once a month IS realistic!
If you set a budget, plan your meals for the week, add up the cost, and have DISCIPLINE, it will work☝🏼
But with kids can you still do this?
@@erickar2634 yes you get meat packages, all the sides yall eat veggies and fruits some miscellaneous things and snacks
@erickar2634 absolutely ! I do it with mine.
So your produce stays fresh for a month?🤔
Love this! This was a slap in the face through the screen. I ended up saving 4K in a month and a half. Sad to think I could have more in my savings if someone slapped me through the screen earlier lol!
I totally agree
Better late than never!
@@Ghostrrr11 right!!!
Wow I don't even get so much salary a month
I'm 19 years old I currently have 9550 dollars! I'm almost there!
Update- 2/16/22
14,940
UP: 4/25/22
20,000
KEEP GOING!!!!!!!
That's what's up!!
Congratulations 🎉
Young one, I am so proud of you. I am sharing your experience with my niece!!!
@@sammyytube5999 thanks you ❤️
Saving is HARD but being BROKE IS HARDER. Golden rule right there. I have a couple of friends from high school and college that are broke asf and I wish they understood this concept.
@Replied Kaila J what's with the scammy ass comment?
@@FinancialCharles to scam
When I started watching I was like “I love how she speaks, so clear and consistent” turns out you are a speak therapist. So cool!
"If it's not on Netflix, then we not gone watch it".... PERIOD🔑
I did it!!! As a CNA in 3months but bought a car and other things so now I gotta start over 😒Soo this time Ima work smarter not hard and if I stack it up once I stack it up again🙏 My winning season is soon near its gonna be here sooner than I think it will. IN JESUS name I 🙏 PRAY!! Amen
Grocery shopping once a month is honestly realistic. After working, going out with friends on a weekend or two, and simply staying in really goes by lol.
For me twice a month
I saved 15,000 in three months I have like 4 side hustles though, I don’t splurge every time I see what I want , I spend my money on things that is needed such as food, bills, gas, I do treat my self every now and then . Never spend a lot of money on a pair of shoes or a bag , or clothes because some people don’t make that in a week , shop sales stuff . If you want to help I got you
What kind of side hustles do you do?
What are your side hustles?
That’s a great tip as well
Saving is about controlling emotions
Spending is emotional impulses taking over. It is difficult but can be done. Stay positive and focus.
Thank you.
I definitely agree
Just overspend on stocks, easy loophole
You speak from proven and bought experience it seems. True FACTS!!!
@@aunteepsalmsfasting lo
L
L9
9
"Anyone who is not investing now is missing a tremendous opportunity." I’ve been able to build a big income stream investing with, Mrs Maya Payson, she changed my whole life.
@Bentley Eric Yes Eric she's very good, one of the best. A registered investment Advisor that's well grounded on financial market. I. Met her once during a trading conference in London.
I am not here to converse for her but to share a testimony of what I confirmed, she’s the best broker i know who is sincere, trustworthy and reliable. kudos! Maya
I heard about this lady on Larry Jones channel, please how can i get in touch ?
Mrs. Maya Payson changed my life too, I made a lot of profit last year investing with her, now I am very comfortable financially.
@@addisonallen8117 You can communicate with her on telegam with the user name 👇🏼 below
That bill account is everything! It can be hard to start if you're in a paycheck to paycheck situation, but once its set up it can take so many worries off your mind.
Yes a bill account only for bills
Yes, it´s hard to start, but if you already start and build-up for bills, so it´s not that bad. In my part, I also live paycheck to paycheck, but I am 8 months ahead with my bills as of now. Anyway, greetings from Denmark 🇩🇰.
Lots of people are saying that it’s better to invest. Of course…but before you invest you must have money saved up. You don’t save to save. You save to invest. Either way, the first step is still saving!
I stopped getting acrylic nails and braids & saved so much money!
Lol I’m the opposite I got braids to save up! So I don’t have to worry about it for a couple of months 😂
Some good points. I wished you had showed how you actually saved $10,000 with a financial breakdown. I know your points are some things to do, but not seeing where $10,000 has been actually saved. Thanks for sharing some saving strategies though.
It’s says “ tips “ in the title not a break down . Ppl want everything handed to them she gave a great blueprint , if you can’t handle the rest you need farther help than a RUclips video .
Bro that’s simple math
Hi. I am guessing that she placed all of the money that was not allocated to bills/going out into the bank. So, in a nutshell - pay the bills and save everything else. Also, cut down on the monthly bills by decreasing the services you subscribe to. Best regards.
@@IyanaLowe. that was very rude . This was a highschool reply that could have been kept to the provider
@@LoveGodOutloud for real... she was going that hard for what?
thank you so much for this! I recently turned 19 and haven't been able to budget my money properly and have had many emergencies. if I want to be financially independent and have my business one day I need to get my shit together and this has given me the motivation and knowledge that I need. thank you thank you thank you new subscriber!
You’re very smart for realizing this at the age you’re at!! Keep a savings… or better yet keep two! One for saving up for your business and one for savings you NEVER plan to touch !
Food is the biggest cost. When you turn 21 alcohol alone will burn through your savings
Yes, increasing your income is the primary way to build wealth.
Great tips. Meal prep is everything. I cook once or twice per week. Dried beans is my friend. I stew them, curry them,bbq sauce. I never get bored. Cabbage is also my friend, meat maybe once per week. Saves a lot
After a terrible 2022, shell-shocked financial backers have a lot to think about and losses to recover from. An expansion report and a wealth of other data did little to alter assumptions that the Central bank would likely keep raising interest rates regardless of whether the economy slows down. This implies that portfolios will experience more losses during the first quarter of 2023. I'm currently at a crossroads deciding whether to exchange my $250k security/stock portfolio; how might the continuous market volatility work to my advantage?
Concentrate on two main objectives. First and foremost, keep yourself safe by knowing when to sell stocks to reduce losses and maximize gains. Second, prepare yourself to gain from a market turnaround. I advise you to seek the advice of a representative or financial counselor
@@MaryPatricia-wr3wj In fact, ever since Coronavirus, I've been in regular communication with financial examiners. Nowadays, buying moving stocks is quite easy; the trick is knowing when to buy and when to sell. The section and leave orders for my portfolio are made by my counsel. accumulated more than $550,000 from a $150,000 savings that was initially stale.
@@ThomasWilliam-sw8ms Please provide the information for your investment advisor here. I really need it now.
@@MaryPatricia-wr3wj She is MARTHA ALONSO HARA, my consultant. Since then, she has devoted section and leave attention to safeguards that I have been keeping an eye out for. You can locate information about the chief online, on the off chance that you're interested. I made no regrets about substantially adhering to their exchange strategy.
@@ThomasWilliam-sw8ms sincerely thank you I looked her up on the internet and was awestruck by how qualified she was; I contacted her since I need all the help I can get with canning. I've just scheduled a call.
“I’m speaking it into existence.” And in that moment, I hit the subscribe button! 🙌🏻
I’m a speech therapist too!! You go girl! We are so lucky to be able to work PRN/see clients on the side for supplemental income! We have an awesome job for that 😍 love this video! Keep up the amazing work girl!
I’m an SLP too, and hearing her say it made my heart smile 😄
I’m one too!😊
Just graduated undergrad going into my masters for speech can’t wait !!
This was really good info, Kaila. I easily spend $1000 a month on hair, nails, food and cable.🥴 I own a medical billing business and have SLP clients so when you mentioned you were one I was like okayyy😹🖤
Oh my gosh im a medical biller and admin and i really want to focus on billing right now . Are you hiring?
Interested
You’re right about saving by doing your own hair and nails. I got tired of getting my nails done because it they didn’t do a good job so I looked up how to do my own. I love being able to do my own because they’ll last and I’m saving a lot of money. For hair I can do crotchet braids or I’ll let my mom do my hair for like braids. And then I could always buy a wig!
Yes yes. Nail pop off. I get manicure that's all..paint them myself. Wigs..plus my hair natural I only but dye to cover the gray then I'm done. I'm 66 and still no how to keep myself up. Jeans ..black pants..jackets..white blouse..black dress..red dress. Black blouse. Little jewelry I'm good to go. May / black- brown pants. My mom said yrs ago but out if season quality pieces interchange them. Put that crock pot on...lol I'm chilling
Every $1 you invest is a little bit of time you buy back in the future. The more you invest now, the more free time you can afford later. Having time and the freedom to choose what to do are the ultimate investing goals.
Some passive income ideas like investing in stocks sure take some work to get up and running, but has eventually earn me money while asleep.
While the act of investing in stocks is pretty passive, the research that goes into it is active.
Who says you’ll live long enough for that? 50/50 is good.
Instead of saving, I’d rather invest but I’m at a crossroad as to where to put my money for better returns than leaving it in the bank. Stuck between investing in the stock market or real estate.
Although I’m not doing it alone, the stock market has proven to be more than an avenue to generate residual income for me as it turned out to be rewarding over the past months, plus a stock won’t call you at 1 am to complain about a broken roof ( Personal experience).
@@brandongait2234 Never looked at it from that point. Makes sense now. I’m looking to start up but come across a lot of garbage out there. Have you any reliable leads to invest?
@@Zmlambo I know that learning the ins and outs of investing is not for everyone. Personally, I trust Levi Clemans. You can reach him through mail.
@@Zmlambo Leviclemans (a)
Gmai
Lcom...Is he taking commissions for trades? Yes, I’m I still making money in the process? Hell yes.
You can learn to invest & also save, they both have to do with handling emotion 🙏🏽
I just went grocery shopping but no cap... I spent $200+ which is what I would’ve spent eating out anyway 🥴🤣🤣🤣 but we gon seeeee
I absolutely love financially literate queens!!! Not often I see women that look like me that are, and every time I do it gives me hope for the little queens growing up 💪🏽 you go sis ❤️❤️❤️ SUBSCRIBED!!!
Please do more videos like this! I'm in my early 20s and this helps tremendously! 🙌🏿
My problem is buying Jordan’s early every week and eating out 😭 your video helped alot. Thank you. Saving is hard, but being broke is harder. Gotta remember that.
I usually fast forward through long videos, but I watched every single minute and second of yours. Loved the content! Very realistic and useful advice. Thank you so much! 🥰🥰
the video not even long😅
You've done an awesome job with your hair and nails! I enjoyed how your explained everything, maybe because your a speech therapist! Thank your tips!
Love this! Can you do a video about your budget, like how you do your spreadsheet? 😊🌞
Sure😊 thanks for the suggestion
I would like to see a video like this as well
@@Livingwithangela116 me too!🥰
You are so smart! I wasted so much money in my 20s before kids... now it is like I have 2 mortgages with daycare costs and it is tougher to get ahead. Good job!
I pulled a go hard or go home. Increased my income for a short term cause I had a goal. I exceeded my goal and it was so hard I think I don’t have the strength to ever do it again but I saved $9800 in 11 weeks. I just wish I could repeat the process over n over🥴
How did you do it?
Why cook dinner when I can just go to chipotle 😭😭❤️ meeee. Thanks for the tips!
Girl this is me everyday😂 but I’m trying to save money so I suck I eat at home. Glad you enjoyed the video!
"saving is hard but being broke is harder" I didn't want to hear that but I needed it. I just subscribed lol 💪🏽🙏🏽💯
Awesome video. My husband and I are on the same journey. Its challenging, but oh so rewarding. Keep up the good work!
Autopay really is heaven sent. Great tips. It's really all about mindset. Well done 👏🏽
That broke shit make my stomach hurt man.... omg scared about where my next meal is coming from. I would most certainly wish it on my worst enemies 😩😭 cause tuhhhh that shit is HARD!
I need a video on the grocery breakdown because that is so smart.
I’ll be filming one very soon!
Awesome tips! Adding side hustle can increase the income, grocery shopping 1 time a month that’s me girl! I use to be an emotional spender now I’m not because I’m trying to save to buy a home next year. BTW I just love speech therapist my kids had that for their speech therapy such sweethearts.
I started saving religiously after I paid off my last vehicle. The money that was going towards my car note was now going into my savings account. I had already adjusted to living with a car note, so the transition was a breeze. Now I have a nice safety net that’s still growing… and that’s while I’m currently paying on a new car note.
P.S. I was fortunate to get a couple of promotions at my job which is why I can still save and easily pay a car note.
U just got me on track by ur comment.... I also paid off my car a year ago which was $300 if i round it off... I hve 1,700 in 💳 debt.....i can put that invisible car payment towards my credit card.... I said this once b4 but when i get paid i rather save and put little on my card each month instead....
@@TheLookatit I am not a financial advisor. Maybe, look at the interest rate on the credit card and see if you would save more by paying it off faster now and putting less in the bank (in a low-interest savings account). You should be proud that you are saving! That is an accomplishment worthy of praise.
Thank you. I'm waiting to pay my car off. I'm retired and on a fixed income. I do sell sheabutter do fruit baskets. body oils to help my income. Great tips thxs.🙏💜
Is it possible to invest with just 200$?
I'm a single mom of 4 this helped me out ❤
Great tips….. I remembered when I realized how much buying fast good
3 times a day was really costing me. 😵💫 and I self taught on how to do my hair and started practicing on my nails. I was spending at least $60 every 2 weeks on nails/ pedi. 🤦🏽♀️ I adapted the mindset that doing things myself is saving the money for the things I really want, not feeling limited or stretched thin.
son JUZ learned this after "we told you" talk has now hit reality.
Thanks sis
I’m trying to cook my meals now and pack and take them to work with me. It’s been helping me a lot!
I started cooking at home - even if im tired, got used to it. The grocery shopping tip i need to work on!!! Once a month makes sense.
Once a month on groceries would be a concern 😮, however maybe twice a month!😊 Thank you for your advice. So appreciated. I saved 5,054 in 45 days due to the envelope challenge. Starting my second wave. It must be done. Again, thank you so much 😊
Saving is hard but being broke is harder…. I was stuck on that line for the 1st minute of your video. As a high school pers fin teacher. I appreciate your sharing of your education and knowledge.
This video popped up while looking up ways to save up to get my girlfriend and I out of bad financial situations. (I’m unemployed but I got a job interview so if I get the job it’ll be a huge step forward) These tips are very helpful and you’re very professional and lovely, thank you for the advice!
Hopefully 🙏
When I first heard you speak I was impressed with how clear your speech was bc I turned on closed captioning to read what you were saying and the closed caption translated everything you said accurately. Then lo and behold you mentioned you’re a speech therapist well that explains it. Lol!
Love the once a month grocery shopping tips! ✂️♥️
AGREE on the grocery shopping: There is absolutely NO reason whatsoever for a single or a couple with no kids to be grocery shopping weekly or 2-3 times per week, but these are the habits & routines we fall into, plus food shopping is kinda fun -- until you check that receipt after check-out
yes girl you can do it. save that 25, & thank you for all your tips. People aint willing to go through the drought to seek success. Thats fine.
These are really great suggestions! and this is such an important topic to be discussing at the moment, I really enjoyed the video!
Thank you! I agree. Glad you enjoyed the video😊
@@KailaJ Do you have some advice on only getting 840 a month don't have to pay any bills i live with my son I offer to help him on his bills but he doesn't want me to can I save that in 3 months if not can I get close to it please give me a response thank you
Saving $ does help people but for a temporary time. That $ they save is a temporary safety-net.
I know of someone who saved 90K. He has 70K in one bank and 20K in another back.
He now lives life with less stress because of that safety net
But people can also make more $ by spending it, and it can also be a ongoing/residual income.
Everything you said is so true! Double up your money by investing it for returns.
Living with roommates makes shopping every month impossible, I have one shelf in the fridge 😆 but I’m pretty good about sticking to my list every week.
I'd be saving for a larger size mini fridge of my own lol
Ordering food is a lot. I was spending 7 dollars for chips and soda a day at work, and didn’t even realize that it was over 200 bucks a month. Im over here thinking it was my cable and subscriptions, but it was the junk food. Now one 5 dollar bag of chips last me all week or more.
Some of us needed this speech … I love the breakdown of your expenses. Definitely helped me . ❤
Kaila J it is a blessing to share your progression with others. Keep having that helpful spirit and blessing will continue to overflow! Keep up the great work!
You went straight to the point ! I love the points you made, gonna try them for sure
This is such a great video! Ppl don’t realize how much $$ goes out their pocket thru out the month even if it’s in small increments. All of these tips are super helpful. Thank u ❤️
Just subbed! Thanks for the tips 🙏🏼❤️
Love the tips. I hear you on doing your own hair. These are good savings tips.
It also helps being a minimalist, when I have my own place, I REFUSE to buy any cable service I am even on the fence with internet lol. I watch RUclips or I am at work so not necessary. I don't need all types of furniture none of that just the basics
Right flea market
Thumbs up for speaking your RUclips success into existence. Yes ma’am. Love the energy.
I had to unlike to like again 😩 You’re so motivating!
Love your energy and these tips were incredibly useful for me !!!! I’m taking notes!!! 😉
Yesss… this is my 1st video I see of you and I love your content, tips and that skin sis…lol YOU HAVE A NEW SUBSCRIBER!
That's amazing Kaila! I'm proud of you for saving so much in such a short time and I've learned alot on how I can tighten up and stick to a budget. I also shop once a month that's how my sister shopped so I developed that trait and it's convenient but I do waste alot of food so I need to tweak that thank you again for sharing what you do! It's very informative and helpful😊
Thank you! Sticking to a budget is tough but it can be done. I'm glad i'm not the only one who shops once a month😂It took me a while to figure out what kind of food to buy and what lasts the longest and now its so much easier. Glad the video was helpful and informative💜
Congratulations on saving so much! Thanks for the tips!! Good luck on your success!
Thank you for this video. I really needed to hear this. I have a problem with Saving money and I’m trying to do better with it. Thanks again. ❤️
Saving takes discipline. Glad you committed to your goals of saving.
Love this! I’m a speech therapist as well and agree with all of your tips. My side hustle is baking and it brings in great extra income too and great for Christmas gifts. Here is a tip when shopping, shop off season and you will save a whole lot of money ( especially if u have kids). Keep giving great advice and I pray much success for u😊
i love watchingg youu i am learning a lot from youu!! ilyy!
I’m 26 and saving $ is so hard for me lol I have my first full time job and it’s hard to not wanna buy stuff online lol hopefully I’ll get the hang of it soon I read if you see something you wanna buy online wait 30 days and if you still wanna buy it go for it but I like that or put it in your cart for later or Christmas
here's something very minor to put the whole "eating out" piece in perspective: I have (had) been ordering "inexpensive" Chinese take-out every Wednesday for the past couple of years, kinda like a Hump Day tradition/reward -- I finally thought about it, & while a $15 (food + tip) weekly doesn't seem like a big deal at all, that's $780 per year just for take-out...Now think about someone who dines at various restaurants several times a week & is spending way more than $15 per meal -- that's huge
I’ve stopped getting hair and nails done at salons too and I’m seeing a difference, was able to pay my car off!
I love the meal plan idea! I never planned out my meals per month. This is something I need to work on. I’ve been good on saving with the 15/hr I make and 16 on the weekends. I had to use my savings recently because I got into a reck but the lady that hit me her insurance payed for it so now I’m working on getting a car and I got a good deal. My payments would only be 328/month so I know I have to get more stick on my savings/espenses. I believe I can do it! It’s my first car too. I’m excited and worried at the same time
Did you get it what did you choose ?
@@RayRay-b3r I did. I got a Nissan Versa.
“If you don’t got the money, then don’t set up autopay” great video love ❤️ thanks for the tips
Thoroughly enjoyed this vid, payed attention like I was in class! Looking foward to more positive vibes on your channel. I liked, subscribed and turned on the notification bell🤩 now i'm gonna binge on your videos lol. Keep them coming darling.
Yayyyyyy I’m glad you enjoyed the video. Thank you for subscribing!!!!😍
First 5 mins I just kept saying “yes ma’am “ with tears in my eyes … being an impulsive shopper is an addiction 😭
I like that saying ! Saving is hard but being broke is harder. I love that ! That’s facts !
“If it’s not on Netflix then we just not gone watch it “ 😂😂😂😂 period
My accident broke my vaneers. i let everything go. this video is for me.
About to become a millionaire.. IVE ALWAYS SAVE SINCE I WAS YOUNG.. BEFORE HAVING BABIES.. THANKS FOR THIS VIDEO
I’ve currently been doing the same for a year. It’s not exactly hard for me to have discipline money wise because I know that there’s a higher goal. It’s just a matter of staying focused and being as minimal as possible. It’s amazing for me to see all the things I don’t need to make me happy and then on the flip side, see people around me consume like it’s going out of style (and they’re usually a little less happier every time). More does not equal more. Money is amazing, I’d just rather see mine in experiences than in materials. And this is coming from someone who has squandered money frivolously living the luxury lifestyle. I love luxe yes but there’s a massive difference between quality and quantity. I also find that when u have less to crowd your physical and mental space, you have less decision fatigue and in turn, your choices and your ideas just constantly hit top tier levels $$$. Good luck to you on your journey and thank you for the upload.
You got some good advice. I just tuned into your channel for the first time. Congratulations 🎉🍾🎊🎈 on saving money 💰.
Love this video I need learn how do my own nails and my own locs and need more than one income
This is soooo good❤️
This is such great advice! I do all of these things and it has saved me SO MUCH money
I hollered when you talked about autopay!! Love your channel new subbie!! Thank you for being so authentic 🤗💕
Reallyyyy needed to hear that shopping tip and skipping on the trends ty for sharing
Of course!!
Never subscribed so fast...thank you
I’m so glad I subscribed! This was a good information to share. Thanks for breaking everything down. 👏🏽💕 I love to budget, it helps me to discipline myself.
I’m a 11 year old girl turning 12 next year and I’m trying to save money!also so I can know in the future
If you save like nobody else you can *LIVE* like nobody else when your investments compound! Not keeping up with trends and buying things just because everyone else is very important! Great video Kaila, you certainly have lots to be proud of! 😊
OMG!!!!! You are so right. Make those sacrifices now, so you can live the life you've always wanted. Thank you very much. Glad you liked the video😊
That is true
Love love love this!!! Women uplifting women just hits different during these times, & I’m absolutely here for it!
Okay Dave Ramsey lol
Very smart. So glad to see a young person who appreciates the benefit of self-discipline and financial responsibility. You do reap what you sow. Trends keep people broke.
That laugh was so genuine! It made me laugh🤗 like I was talking to an old friend!!! Thank u for your content🥰
This was really helpful. I liked your tips about monthly meal planning and also shopping two to three times a year. I think thats so efficient
You are so sweet and you talk in such a kind way!! Thank you!!