September 2023 Wrap Up | FINALLY CURRENT & POSTING ON TIME| Budget Savvy Ash Cash
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- Опубликовано: 1 окт 2024
- I'm finally current!! This video is slightly long, but I have some answers to how I got to this point and what the plan is for moving forward!
There is a lot of talking so if you'd like to skip around, here is the video breakdown by topic. I do really hope you stay for the whole video, though!
Introduction & Money Breakdown Updates
September Sending Updates
Sinking Fund Update
September Debts
Cultural Factors Debt Number Update
Changing Habits & Continued Debt Number Updates
September Debt Update
Reevaluating my Budget & Debt Wall
Addressing Sinking Funds & Debt Wall
Plans for Recording
"Ummm," "Aaaannnnddd," & "You know"
Current Cash Envelope Progress
Debt Tracker
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Links to the products I use:
Cash Holder (Amazon):
www.amazon.com...
Sinking Fund Clear Envelopes (Amazon):
www.amazon.com...
Sinking Fund Holder (Amazon):
www.amazon.com...
Jen Plans Font - Personal Use (Etsy):
www.etsy.com/l...
So according to your Sept Debt page totals , of your total debt of $225,525 by the end of the month you had only paid off a total of $16…. am saying this with kindness girl you need to get real with yourself and your dire situation . All the pretty marker colours and check boxes are only serving as a distraction and fooling yourself into thinking you have things under control. The interest on all your debts is drowning you. You need to make some hard decisions and get tough with yourself. Saying this with kindness and best intentions for you to get out of this spiralling hole. Xx
Tough love 💕
She paid off her Amazon card, and started paying down Apple. Yes, interest is biting her in the butt but she is still changing where the debt is
@@noelpans oh for sure 👍🏻she’s doing something which is great, but that IRS debt is gonna knock her on her butt. I’ve seen comments here from people who are accountants and they’re all saying the same advice, that what she is doing by being exempt is the wrong way to go about it. And you can hear in her voice when she talks about it that she knows what they’re saying is true but she’s not willing to listen and change her ways. We can see by her giant debt total just how her way of thinking goes☹️, it doesn’t end well for her. She needs to educate herself on the IRS situation and get it under control.
I don’t understand why you’re paying a loan for a car your sister drives? Given the amount of debt you have, this added cost feels unnecessary for you right now. Can I ask if she helps with the payments at all?
And why does she have to drive a BMW?! There’s a story in this somewhere.
Being exempt is only giving the illusion of more money. You still have to pay the money to the IRS via the installment payment plus interest. Save yourself some money and change the exempt to have the minimal amount taken deducted. Great job, keep up the good work and self exploration.
The overdraft protection being thousands of dollars is such a bad thing. She needs to declare bankruptcy/do a consumer proposal (what we did in Canada) and never ever ever use credit again (like me).
@@Sarah-zv6ndShe doesn't need to declare bankruptcy. She needs to follow an established plan by an experienced financial person. Dave Ramsey, The Money Guys, Caleb Hammer ... someone.
I admire her wanting to pay off her debt but she isn't able to learn how to change her mindset and her behavior. She is having trouble because her plan is too complicated and not sustainable.
@@tamaraliscia3408i actually used to help people with this, and still do, for friends. I was never certified as a financial planner but I was studying to do so, 15 years or so back. I've read em all, and more. They are good resources. Til Debt Do Us Part is a great informative show as well, though a bit dated as we are exonomically in a very different situation than when that show was filing in the mid 00s.
I have also gone through the process of having to have a consumer proposal done to try to get out of the debt hole.
Going through something like that is a consequence. I could not qualify for a payday loan after I did my co sumer proposal. It may be that in the USA its a bit easier to get back into debt after a bankruptcy or something similar, but it absolutely has consequences that you do feel.
And, even if she was able to completely dis harge all the debt she can, she is still left with some 100k in debt she cannot discharge that she has ro pay back. If that doesn't change her behaviour as she does that, having 200k in debt isnt going to suddenly make her see the light.
That's an option that I feel I would be a good candidate for, but I have bad habits that I need to address, so that I'm never back here again. Thanks for this!
The work and growth is coming, but I'm so excited about what is coming. I'm working on the habits that I have that psych myself out because I need to be real with myself. Thank you!
You have to crawl before you walk. You are doing great. I do have a question though, does your sister help with her car payments? If not, you may want to consider asking her to help so she begins to understand her financial responsibilities as well since you said your cultural upbringing as to blame as to why you weren't aware of the impact your finances can have.
I agree about the sister helping with paying for her car. Maybe Ashley should get her isiter to start budgeting, and she's understand why she too should start adulting.😊
I was about to comment that. I’m not trying to make this into a cultural thing but sometimes certain cultures expect you to take care of your family. Some members of my family feel a bit entitled to my income. I am the first in my family to do a lot of things and to them I’m rich. I had a hard time telling them no at one point.
A few weeks ago, this sister starting working again and was very excited about getting on her budget and saving money. She took a few months off due to her not working but she's in he first month back, so the payments will resume.
I did show her Dave Ramey and I will show her some Caleb content (which is new to me, too). She was down for a bit but now that she's getting herself back up, the payments will start back up again. Thank you!
Does your sister have a job? Does she know how much debt you have? I think if she knew the severity your situation she would want to help you with this huge burden and pay for her own car. I feel for you, I would be dying inside. You need to downsize considerably more and not just a few subscriptions. I wish you the best on this journey. I have zero debt and a paid off house and your situation stresses me out. Please start paying for those student loans too. The interest is accruing daily!!
I agree with everything you said. I wonder if she’s being financially abused by her family because she feels bad and they bank on her feeling sorry. She seems like a sweet person.
@@bluestseait seems like everyone in her life is taking advantage of her income 😢
You all pretty much hit it on the nose. My sister did not work for about two years, but she just started working full time this month (October 2023). I've done a lot more cutting back than I think I was going to do and it's been working great! I feel that because I'm intentionally cutting things off and out, I can stick to that decision and also feel good about it
You should list the interest rates on these debts. You have a lot in sinking funds that could be used to snowball the smaller balances. Once you build momentum, you will see larger gains on your debt repayment.
I really want to know the interest rates, some of these could have variable rates, that are just going to keep increasing. That was something that I didn't know anything about that really messed me up when I was tackling my debt and once, I transferred to fixed interest I finally could start making a dent. One started at 10%, and I never noticed it creep up to 18% because I stupidly thought if I just made payments on time (even higher than min. ) then I was gtg.
I fear this is where her head is at. I’ve left her some messages on here. There’s just no true way to know the totality of it all if the interest isn’t considered.
I think she thinks snowball means you don’t have to account for the interest….
I know she’ll figure this out if she sticks with it!
Hey there! I have the interest rates, and if I change absolutely nothing, it will take me six years. I will do the calculation of Snowball vs. Avalanche method to see which one will work the fastest, because the work I put will be the same.
I'll post that video in November and if there is a difference, I will swap plans to the Avalanche, paying off highest interest cards first considering most of the middle debts are around the 3-6k range
@@budgetsavvyashcash7281 based on a few folk’s quick math, it’s the interest rates that will take this plan past 6 years. Seeing your detailed math and timeline will be helpful to understand which timeline is most accurate.
I understand you feel a certain obligation to your family based on your cultural upbringing, which I don't think is a bad thing. HOWEVER.... do they have an obligation to help you? For instance, if you went to your mom or your sister and explained to them that you are in a MASSIVE amount of debt and you could use a bit of a break to get yourself in order, would they take over paying for their own things? There's helping family, which is important, but if you're doing it at your own expense and they can't help YOU, then maybe you need to consider whether cultural upbringing is really a healthy explanation here.
Maybe all of this is because her mom loaned her $5,200 on a car financing shortfall (see her first video, it’s excellent!). She may feel obligated to help her sister because her mom helped her, but girl, why a BMW? My daughter complained about the “shitbox” we GAVE her when she was away at college. I had to remind her it was a “free shitbox” and the bus stop is still there if she didn’t want to be seen in that vehicle.
Her mom cancelled all the bills she was paying for as soon as she told her mom to start paying 😂😂 her family is financially abusing her and honestly that’s just the way Mexican families are. You HAVE to put your foot down with them. I really want her to succeed but she never will till she sets boundaries.
You’re doing great! Celebrate all the wins-having $ left over in envelopes, cancelling subscriptions, paying off Amazon, not using CC’s, interview for 2nd job!!! Taking accountability, explaining background/culture while not making excuses, realizing debt consolidation doesn’t work for you and making a plan-hard work but worth it in the end! Keep up the good work ❤
If you get the second job, please please please don't claim exempt. If anything, get more withdrawn per paycheck or you're going to regret it later.
I understand being the oldest sibling and feeling responsible for your younger siblings. Is there a way to sell the BMW and get your sister a reliable but less expensive car?
It's good that you understand you need to take accountability for your spending addiction.
Start a conversation with your sister about her own budget and maybe she should start following your video and then she will understand your struggle.
Keep up the work, its always difficult and stressful at the beginning and it gets better.😊
Prolonging the student loan does not make it go away. Talk with you lender about making smaller payments even while you're taking classes.
Culturally, you may not be able to divorce yourself from your family, but you can set boundaries. You are an adult child, not a minor child who doesnt need permission to say "no." Keep in mind, "No" is a complete sentence.
The cycle is difficult to break if you keep repeating the same behaviors or allow them to continue. Your therapist will tell you, that's the sign of insanity and I dont believe that you're crazy; just misguided.
You took the first step, now just say NO and keep it moving.
You have a community supporting and cheering you on. 🎉
This.
If her family does watch this and she pays off her debt. They could start asking for help on other things and they know she can because she is debt free.
If she doesn't want to hit her sister hard with it. Sit down with our a plan with her. Tell her by X you will pay $0 of her car. Work on slowly decreasing what you pay while increasing what she pays. This leaves it so she isn't immediately giving her sister a large bill but also she is taking pieces off her plate.
Your comment sums up so much of where I am, emotionally and mentally. I know I have to set boundaries and while at first that is uncomfortable, I can make adjustments as I need to. There is still a lot of growth that needs to be done, but I feel very good about the progress I've made thus far and I'm excited about what's to come. Thank you!!
Until you get comfortable with budgeting and get a handle on where your money is going, you may need to micromanage, if you will, every dime you spend. Every transaction, every day. Be in that budget journal every day. Awareness will help you put the brakes on if you need to or correct something before it’s disastrous. Good luck and keep going!
Highly suggest watching Caleb Hammer videos.
I totally feel you about not speaking about finances growing up. We lived paycheck to paycheck growing up and I knew my parents had amazing credit but they never discussed finances. I learned the hard way like you about money. Keep it up girl! You got this!
Thank you! Talking about money still makes me feel itchy, but I know that's just me coming out of my "comfort" zone
Will you please do a video mapping out how long you expect it to take you to get out of debt? You said by age 33 but I don’t understand how that’s possible. Thank you.
Good suggestion. I like how detailed, organized she is but I too don’t understand how she plans to attack the debt. I have student loans which is why I’m so intrigued..I could use new ideas.
It's probably not possible. If she really is getting, net 100k per year, and she lived on 50k per year and used the remaining 50k solely to pay down debt, that is still 4-5 years, assuming no interest.
I have no idea how much she actually makes, I can't quite make heads or tails of it. I don't understand why her three income streams are going to three separate places? Am I correct in that?
Its possible she owns a business, but then again, she would have to account for her business costs, which eats i to that "145k" she makes per year.
Something is fishy here.
Hi there! I've posted a video about this titled How long is it really going to take. If I change absolutely nothing and keep things as they are, it will take 6 years and 1 month. I completely intend on cutting and adjusting everything I can and should cut. I also intend on getting a second full-time job. I will live on way less than what I make, ad everything else will go toward debt. Thank you!
@@budgetsavvyashcash7281 I really like your plan. It’s just the interest that we don’t understand. I hope you make a video showing the interest and how that impacts your snowball 👍
Good job cancelling some subscriptions, paying off the Amazon card and cutting up your credit cards and glad you are not consolidating things and recognizing it doesn’t actually fix the problem. Keep pressing forward! You’ve got this!
Thank you!!
Figuring out what you don’t know is a huge part of the process, it gives you a starting point. You’ll make changes over time that will suit you. Stay strong!!
Thank you so much!!! So far, it's going great!
Thank you for zooming in - and yay for new subscribers! I saw your debt video I think like a week ago and then I binge watched the new videos that you put up and I really enjoy the way you do them.
I am so sorry! I didn't even realize you all were watching in size two font. Thank you so much!
I hope you keep talking about money with your therapist. They may be able to help you stay out of future debt by understanding why you spend and setting boundaries with others. Definitely something I work on with my therapist too. It’s a struggle but so worth it! You got this! 😊
Great job Ash! Writing everything down is a GREAT way to train the brain. It makes it real and you are coming to terms with the debt. I love that you are thinking through all of your line items. I love that you know your triggers and taking care of family. I also love you found wasteful spending and cancelled some of those subscriptions you weren't using. Getting to the other side of the money equation is going to take some time but I know you can do it. Just imagine one day writing your list out and the numbers being savings, stocks, investments, IRA s, etc. What a calming feeling that will be. You got this!
Oh, I did want to add that if you are able open a ROTH IRA and try to pay your future self. You can put $6000 each year and it can act like an emergency savings and will grow tax free forever for you. You are young so getting money into a Roth each year is so important in order to take advantage of the compounding interest. I didn't know about it until I was in my late 30's but so thankful now.
@@cdstein67I think her income is too high for a Roth at this point. 401K would at least reduce some current tax burden but TBH tackling the revolving debt is more important at the moment.
@@littlerunner4505 yes, her debt is seriously important and it could take years to pay it off. ira contributions tho are limited and you only get that chance each year, so even a little will be worth it. There's always the after tax IRA option that can be converted to a Roth if she doesn't qualify. She can wait and see at the end of the year tho.
Im very glad and you should be very proud of the emotional growth. I had incredible role models financially and I still fell into debt that was bad relative to my income.
You have done all this work and the total debt has only changed by 16 dollars.
You either need a second job, not a side hustle, or you need to look into discharging as much of the debt as is possible. And that will still leave you with these criminal student loans and the IRS, almost 100k? Over 100k? That, it would be possible, with a second job to knock out in a few years.
You need serious help with this. You cannot budget out of 200k of debt on your income.
This is bigger than you can handle. You also have to understand that declaring bankruptcy is not easy, and it will still leave you with 100k debt or so, I'm not american so im not certain.
When we did out debt consolidation, that gave us the absolute worst credit rating possible. We could not get a payday loan. You will, if there is any kind of justice in your system, be absolutely unable to keep doing what you're doing. Its like they took the alcohol away from an alcoholic.
And then you get to experience what living on your actual salary is, and that is hard. Thats where the growing up happens.
I think you have a lot of really valuable thoughts here. However, I think, given her significant income, that she can pay down her debt without declaring bankruptcy or getting a second job. It will require significant change and self-discipline, but it is absolutely possible. I think it’s pretty obvious, though, that it won’t be over in 2 years.
@@lauraweiss7875my concern is that,having not reqatched the video, is that a good portion of that income, that doea make her a relatively high income person, is funded by debt. What is NGFCU and Chase? Does NGFCU also appear on the list of debts to pay back?
Respectfully ... You have said you didn't grow up learning anything about money, and now you want to learn and pay off debt. And, you've said you read the comments.
Many of us who commented had or are on their own paid-off-debt journey. Our advice is what we learned, chose to do, or are still doing. We are sharing our experiences and knowledge so you can learn, too. We want you to be successful in paying off your debt as soon as possible, and, of course, get rid of a lot of stress. Hopefully, you will choose to use some of the sdvice you are given.
The IRS will actually not allow you to go exempt after a certain point, so probably better to make that change on your own before they force the issue, but best of luck.
I highly recommend you watch “the budget mom.” I started with Dave R but couldn’t resonate with him. The budget mom has a lot of free stuff and her system has helped me a lot. Maybe you can get some ideas that will help you as well. This is not an easy task and you have to commit to it or it will not work. My suggestion is try to tackle the high interest first or to gain momentum pay off the small ones then move to highest interest. I would also get out of being exempt from taxes, either way you’re still paying for it but with interest. Good luck.
I think this is a great first step towards financial independence! I def get the whole cultural family interdependence aspect, coming from Asian immigrant parents… but there’s a difference between supporting your family and enabling them. It’s super natural for me to give my mom some extra cash when she goes on trips but I def draw lines if it came to buying my sister a car. My MIL is sick so she lives with us and doesn’t pay for anything but I wouldn’t buy her a condo (like she originally asked). We use culture as a crutch but just bc it’s cultural, doesn’t make it right. And if it’s not right, then it’s wrong. Maybe you can start small, like asking your sister to slowly chip in more and more for her car?
I also get the high earner dilemma. My husband are both 6 figure earners and can make an extravagant lifestyle work if we wanted. But we don’t buy new cars, we don’t buy luxury items and we try to contribute as much as we can to our retirements and kids’ college funds. Trying to be financially responsible is inherently counter-cultural. It’s hard bc yeah we’d love to get a Tesla but we never want to end up like our parents and burden our children; that’s what keeps us going.
Anyways, good luck! Keep at it!
I’m so invested, please keep going!!
Agreed! Plus her handwriting is so pretty. She’s so detailed and organized, I haven’t missed a video since the debt confession 😊
Thank you both so much!!!
I love that you are so open about this stuff - it will help you accomplish what you want. Do not call Dave Ramsey 🤣
I wasn't following the car thing - so are you thinking of getting a cheaper car that is stick shift instead? Small stick shift car - cheaper gas and always good to know how to drive (I've driven stick for years - my car gets like 35-40 mpg. Also probably cheaper car insurance!).
Can you keep living like this, paycheck to paycheck? Yes, like you said. But, do you want to work full time when your in your 70s? And you probably also want to help your kids pay for college. And I don't know if you will end up helping your parents as you get older. All reasons to do what you are doing now to get out of the habits.
Also, and this is likely beating a dead horse at this point, but continuing to file exempt is like charging stuff on a credit card. You are borrowing money from the IRS just like using your credit card for stuff you can't afford. You can start with claiming a high number of exemptions and start scaling it down as you get used to less money (you can change your exemptions any time throughout the year). Your tax bracket isn't the highest but it is high as a single person. And if you are in California, state income tax will also come for you too.
What matters most now is you woke up and you’re working on getting out of the debt hole.
I believe you can do it! Someone suggested bankruptcy but I think you can pull yourself out of debt without having to file. I would change the exemptions though because you’ll just owe every year. Other than that once you pay off the first debt it’s liberating! Great job!
You inspired me to get back on track! Thank you. We can do this!!!
We can totally do this!!! The wins are small, but they feel so good and make me want to keep going. We got this!!
I was a bit critical on your first video because your process just seemed sooo complicated.
I’m really happy to see this one! I can really see you’re making progress and taking feedback. It’s really great and I’m excited to keep watching.
How much do you make? I watched your first video but didn’t catch the amount. We started Jan 2020 with $185k in debt and are now at $67k in debt. It’s been slower than we wanted but we have 6 kids and several things (surgeries, etc) have come up.
You make more than enough to pay all your debt off….just pace yourself,
I just binged all of your videos and looking forward to the next paycheck budgeting video!!
Stick shift cars are actually affordable right now.
Congratulations on your therapy session. You will be fine because you’re holding yourself accountable. Keep up the great work 🎉🎉
New Subscriber here. Wow, your channel is awesome. It's so great to be supporting a fellow budgeter. Great job, your doing wonderful.
I just want to say I looked to see your video list and it looks like you’ve stopped posting. I hope you’re doing okay. Please feel free to reach out to me if you need help with your budget. I’m an accountant and I love personal finance so I’d help you for free since I’m not a CPA and just have a personal interest. I’ve done private sector accounting for my whole 12 year career. My time in nonprofit accounting made me realize more people need a budget. You’re doing great so keep it up and stay aware of your weaknesses ❤
Great job acknowledging that shifting the debt around into new loans doesn’t make any progress!
I hope you’re actually able to make the behavioral changes that you have acknowledged.
I went to college at 17 and my bank offered a "tertiary pack" with a $1k overdraft and a $2k credit card .... so easily within months I was $3k in debt not to mention my actual student loan. Its crazy how much you can get at such a young age! Btw I'm in NZ
I know I’m new to your channel, but I want to say I’m proud of you! I wish my daughter would do this!
I see you’ve not posted in a while. I hope you can start this back up. I love seeing the progress.
You might want to consider signing up for a Buy Me A Coffee and posting the link. I would love to support you on your journey to financial freedom and send you some positive thoughts!
I think you have plenty of advice already. As someone who is new to your channel, I know you can do this as long as you keep yourself honest. I’m cheering you on 🎉 and I hope you keep this self awareness going because I know you’ll be ok as long as you track like you do ❤
Such a difference in how you are talking after reading the feedback. Kind of like you ‘knew’ what you should do…. And having a LOT of people make those comments has made you start taking action.
I think while you are still getting to grips with where your money goes, tracking spending diligently every day against the categories you have will be useful - then you can start making your categories more general which will make things a little easier.
Good luck with the interviews.
You are inspiring me to go back to cash budgeting. Keep the momentum going!!!
Thank you!!
appreciate you zooming in. Been binge watching your videos. Like I mentioned before appreciate your transparency and addressing people’s comments. I see a lot of budgeters who will ignore or who don’t take the time to respond to people’s comments. I get it that there are people can be harsh but this is just motivation to prove people wrong. Also this is your budget your life you do what works for you. Onto your next video
Wow I just went back to your debt confession video. 83k views and they were definitely some hard nose beans and rice folks in there lol. You will be fine. Will power is the only thing needed but man is it hard. I always rely on the credit cards too. I have no one I can even borrow 100 bucks from if I needed it immediately so I always keep them to rely on. You got this!!
A free option instead of using excel would be google sheets. This way you don’t have to have a subscription to be able to track your budget. ❤ I’m just starting on my debt journey myself and your videos helped me to understand a way to write it out that made sense to me
You’re going through the process and you’re doing a good job 👏 🎉. Keep up the good work 😊
Pretty please tell me what notebook you are using!
Wish she would include her rent , car insurance, phone , utilities etc. and how much does she make?
You’re doing a great job, keep it up 👍🏽 ! Also I love how organized you are!! I do prefer excel for tracking and then paper for summaries and to remember some important things.
You can gradually move from exempt to one deduction. Start with 4 at your next merit cycle and go down from there. As a single person without children or a mortgage, a 1 exemption is usually what works.
Agree with this! Gradually change your deductions on your W-4 and as you are paying off debt, you won't feel it as much. You will be so thankful when doing taxes. Also, there can be penalties for knowingly claiming exemption when you are not qualified (you definitely aren't).
Could you make a video on how you make your workbook in more detail?
I think you’re doing great and so brave to be so vulnerable here! I was in a similar position with consumer debt and one thing that helped me was consuming content all the time. Following financial content creators on insta, signing up for any free webinars available, reading finance books from the library. Just learning wherever I could really helped change my mindset and habits. Also - I live in Australia so I’m not sure if this is available where you live, but here we have a government sponsored debt counselling service (free) so maybe something like that could help you too. Keep going!!
Is there a breakdown on the notebook setup ??
shout to you for canceling those subscriptions!❤️
I have only 10k in debt, im not counting college lol that's another story which is only 69k. But I wish my parents did better in teaching me about things being adult. Like saving, taxes, bills etc...As an 32 year old i had to learn a lot on my own.
I use excel for my budget too and I use the web version and I don’t pay anything
Same here growing up we lived paycheck to paycheck, any money my parents made they just spent on unnecessary things for us growing up. I didn't realize how important it was to have savings until I got into a financial crisis in 2018. I found saving and side hustles from struggling with taking care of 2 children & paying my own bills. Keep your head up girl ❤ we on this journey together to save more & live financially free
What do you do for work? Did I miss it?
Very excited for you! I love your videos, makes me wanna start my own channel
Thank you for being so vulnerable. I too grew up in a household where we didn't discuss finances and all we knew to get out of a bind is panning stuff and payday loans. Love your set up. So organized!
Proud of you! 🎉
Thank you so much!
I know the feeling of helping family! I wanted to help my daughter with college but guess what ? I'm now paying for it. Helping is noble but you are the one drowning. Where is your help? Your sister wasn't raised as good as you? This is a sore spot with me. Helping when the other is eating your dessert
Listening more to your video sounds like you need to teach your sister how to manage money. Let her drive a beater car
Can't hear the video
You spoke to my heart. You are not alone in this….
Have you ever do like saving and/or no spending day challenges? It's a good way to track your savings throughout a week, a month or even a year and it will set your goals to accomplish in the near future. Also you can create your challenges or watch a lot of videos of saving challenges (I would recommend to 2 Sisters Bees). P.S. You're the first youtuber that I watch a budgeting video ever. Keep up the effort Ashley, it will not be easy but eventually you'll overcome this.
I think it's awesome that you are being so vulnerable and holding yourself accountable!
Advice for the videos: put a little more editing into them to cut out empty space, long transitions, or spoken mistakes. I noticed this especially with your debt video. Try not to repeat or ramble *too* much. 😄
I'm a person who has a good amount of sinking funds because they help me organize my money, but I even did think you had a lot! You can combine some, especially the self-care ones. Also, you can always take off the ones you're not using at the moment, but if it makes sense to you, that's what matters.
Congratulations on getting this all together and starting your debt payoff journey!
I’d love to see you debt snowball this. There are different ways to prioritize but I wanna see this debt down! Good luck to you!
Love your channel. I subscribed and liked it. Very inspiring keep up the good work. Your videos are awesome. 🥰😍🤩😘
Take pride in knowing that you are learning and taking the steps that you can. Self learning is hard. Been there myself and you will always be learning something new. Just be grateful that you now know and are able to move forward with that new knowledge. Keep learning.
I love this channel. You are doing a great job with these videos, and your subs are blowing up! I love your honesty and willingness to answer tough questions. I also used to think working paycheck to paycheck was something I could do indefinitely, especially with a nice job. Guess what happened? AI and non-US staffing is taking my nice job away. I never saw it coming. I’m so glad that I eliminated my car and consumer debt, and made extra payments on my mortgage while I had the money. Life can throw weird stuff at you. Best to you on your journey.
This is awesome! Im gonna follow along with your journey. It’s totally okay and you will get through this without having to declare bankruptcy. You’re far from that! You’ve got a great work ethic and will get through this. The only thing I would discourage you from doing is not eating out with your family, it’s important to have family time no matter what.
Good morning. I'm enjoying your video this morning.
Your honesty and rawness about your journey is refreshing. Best wishes.
You are obviously a hard worker with a great work ethic.
Did you make the other money holders? If so please make a video 😊
I have not made any new ones, but when I do re-do my cash envelopes (that live in my purse), I will record that process!
For me being in a Mexican family, you can’t just sit and relax because your consider being lazy, now I have to be up and doing something!!
Can you do a video on how you made your notebook
I think I can do one in the upcoming weeks. It'll probably one of my notebook and my cash envelopes in one video