Giving is a biblical principle. You CAN'T outgive God. It doesn't make sense in the worlds economy, but in God's economy, it comes back to you. Get into the bible & you can SEE IT put into motion. I'm living it. It's AMAZING & I give God ALL the glory.
Great job. I love your authenticity. I was a single mama for seven years and also saved and paid off all my debt. It can be done. And I would like to say that during that time I started out making $17,000 and increased to $53,000 a year. I worked my tail off. I have saved about $54,000 and still helped my kids get through college. I got remarried a year ago but was able to do that before remarrying. Good luck to you. I’ll keep watching.
WOW!!! You DID work your tail off! YOU ARE AMAZING!!!! You are proof that it CAN be done! Thank you for watching and visiting with me! See you next time!
I feel like my new hobby is budgeting and binging on budgeting videos to learn all I can. I’ve been working with my SIL on budgeting and getting out of debt. She was paying over $200 a month to a cell service provider and most of that was paying for her kids’ phones. Her oldest is 18 and has a job so we decided he would pay off his phone and get his own service. She got a Christmas bonus which she decided to use to pay off her daughter’s phone so she could cancel this overpriced service. She is now switching to Straight Talk for herself and her daughter which we determined would give them the best service for the best price. She’s literally saving $140 a month now which she is now applying to paying off debt. I’m so proud of her!!
You're right about giving. I have been clearing out stuff and putting it on market place for FREE, just because I want it out of the house quickly (minimalism ranks slightly higher at the moment for me as decluttering is reducing my anxiety so much!) My husband was slightly annoyed I wasn't selling it all but I carried on my way. Anyway, another project I'm working on is my kitchen garden - again self prescription for anxiety - I went to collect x1 strawberry plant someone was giving away and came home with x3! That was exciting in itself as it saved me £30 I was already planning to spend, but then the lady also found me x3 other plants, some excess produce from her own kitchen garden and an oversized plant pot ideal for growing potatoes in next year! Anyway I am writing this post to emphasise the merit of GIVING, spreading love and kindness around the world, without expecting anything back has it's rewards. There's big reward in that feeling when you have helped someone out, but sometimes it comes back around too. Thank you for GIVING us these videos Kate.
Hey Lady! I found Dave 10 years ago and we paid off all our debts and home in 8 years. The BEST thing we ever did. Our life is so different now, so much easier. I still try to find any new way to save. Keep going!!! I am binge watching all of your videos to get caught up to speed and loving it all and your infectious smile. Your unofficial great granny
Easy Hummus Recipe: 1 can 15oz garbanzo beans, drained, liquid reserved., 2 cloves garlic, 1 tsp ground cumin,1/4 tsp paprika, 1 TBSP lemon juice, 1/2 tsp salt, 1 TBSP Olive Oil or Sesame Oil....Pop everything into blender add reserved liquid and to blended consistency...You can substitute plain yogurt for more protein, or add or remove more spices...airtight container lasts a week. Use as a dip for veggies, or dip a tortilla into it and eat for lunch or a fast snack...Enjoy, let me know if you try it and if you like it...
I've always bought used cars and haven't had a car payment in 11 years! Yep, my car is 13 years old now, and I'm still driving it and will continue to until the car gives up the ghost. Last month I cut my groceries by 50%! I make almost everything from scratch. Buying Clothes was always a problem for me but I've cut way back on that by simply staying out of the stores. Amazon is a big temptation for me still, but I'm getting better. I still have some work to do on paying off a couple of bills and I've got a great budget that's keeping me on track. I'd like to see a video on "Every Dollar". Thanks for sharing.
You cut your groceries 50%!!! That is soooo awesome! So glad to hear it! WAY TO GO!!!!! Okay I've got to work on an Everydollar video! Thanks Ellen for watching. See you soon!
Ellen's Abundant Life on Less Same here, for me staying out of the stores is key. Also, turn off notifications and unsubscribe many ads. Now, i am working on my addiction to Thredup. ☹️
I'm a new subscriber and am really impressed by you. I'm way older than you are and was no where as tuned in as you are at your age. It also looks like you are a really good mom. You are on an upward trajectory. Good job.
Country Frau! Waking up to this beautiful comment has truly warmed my heart. THANK YOU for watching and taking the time to be so kind. Hope to see you here again soon! Very sincerely, Kate
Kate, I LOVE your videos. I totally agree paying attention to your grocery budget and using (having a meal plan) everything you buy at the grocery store is crucial to success. However, I have found that if we stick to a strictly bare bones budget at the grocery store for too long, we get very bored and want to go out to eat. For us, it is better to buy slightly more expensive protein sources (so that we have more variety). It keeps us from craving restaurant food. I have even learned to cook some of our favorite Mexican and Indian dishes :)
Dave Ramsey: yes! I 'm really old & I cannot go back in time to build as much as I could have saved but, to help others learn from my mistakes, I give the Total Money Maker Over away every month. I teach adults & there is always someone interested in the frugal life. In fact, one of my co workers (a lot younger than me) is so excited about the TOTAL Money Makeover, that she cant stop telling others. Another employee asked me about the book & I gave her one too.
Great points in this vid!! Like how you emphasized the need to say NO. We live in a culture that wants everything now and the cost be damned. Young people need to hear you!!
I started donating to my church several years ago. I don’t know why but I do have more money. I also donate to a friend who is a nun. She takes that money and donated it here in my hometown. I love doing both.
Thank you for the super kind compliment! I will tell you said that and he will blush:) Thank you for watching too! I hope you have an incredible Sunday and hope to see you again here soon!
Hi Kate, I'm happy to be here with you and I'm so glad you found my newbie channel. You're right, your mindset and content are fantastic - and I'm a single mom too. I admire your strategies so much. Thank you!
I genuinely feel truly blessed to have a fantastic public transport network in my city, and a free travel pass because of my disabilities. I'd rather not have my disabilities, but since I do....
Great job! You should invest in a home. That is the path to wealth! I live in a cold environment too - get a wood burning stove. you can get free firewood everywhere.
Ibislife I struggle with this one, I.e. buying vs renting. I bought right before the housing market bust. I’m 10 years in and still 25k underwater. I am also a single mom. I bought a townhouse, which is great because everything outside, including roof, sewage, landscaping and snow shoveling is done. But, it comes at a cost of $350 a month, But they just redid our roof, which is a huge expense. I also live in NY but made sure the mortgage was considerably less than what the bank was eager to lend me. It’s still a struggle, and the new tax laws just made it harder. If I had it all to do again I’m not sure I would have bought...
Wow, amazing ! Many years ago before I got married (I'm widowed now) and had my children, Iwas an admin. assit. and could barely afford myself, and I lived frugally, on my own, in a studio apartment. You must make a very good income to be able to afford to do this and support your little boy. Today, many years, a marriage and 2 adult children later, I own a brand new home, out right, and am completely debt free. Good for you ! Well done !!!! tfs 🌼🌼🌼🌼🌼🌼🌼🌼
I am so sorry to hear you are widowed. But completely excited to hear you are DEBT FREE and own your home outright! AMAZING! Thank you so much for watching and commenting. Hope to see you again soon.
@@KateKaden Thank you . It's been a rough 10 years, but we are doing well. We lived in California, sold our home and moved to Arizona, where I was able to pay cash for our new build home, and still have money left over. You are the example of what young single Mom's need to see. I hope your channel grows quickly so others can see how its done ! 🌼🌼🌼🌼🌼🌼🌼🌼🌼🌼🌼🌼🌼🌼🌼🌼🌼🌼
That is one of the nicest things anyone has said to me. Thank you SO much. It truly means so much to me. (Not to be super sappy, but I really appreciate your kindness.)
Jaw droppingly impressive Kate. Your determination is warrior status. I am prepping myself for a no spend 2021. 😂 Good to revisit this part of your journey for inspiration. ☘️🇨🇮☘️
You go girl! I don't follow Dave Ramsey but the walls principle makes sense! Wants vs needs is huge and you speak to the realities of saving a large sum of money that most people don't want to hear. Give up all the wants!! I just found that there is a space to feature a channel on YT. Can I feature yours? I don't know if it'll help your count but I feel that is the least I can do to help get your message out! Really enjoy your channel and I loved seeing Kaden peek in the door. 😃. I'm off to track my spending now 😂
I'd be HONORED to be featured on your channel! Simply honored! WOW! Thank you SO MUCH! Your feedback and support means SO much to me! We've gotta stick together. (AND YES Kaden peeking around the door! It was hard not to giggle!) YES track that spending. It will rock your world!
I wrote every penny I spent in a notebook. No internet to use every dollar.com. stamps dry cleaning kid meals gas everything!! I loved saving money. It relieves stress especially when Murphy comes around. Lol
I love Dave Ramsey, and also your point of view about finances! I admire your work ethic and discipline!! I am reevaluating my discipline with finances, because though we don’t spend on a lot of things, I still think we could be saving more money.
This is GREAT Sarah! The more I comb through, the more I eliminate. No need to waste my money on things that do not add value to my life. You will LOVE seeing your expenses go DOWN!
I LOVE THE EVERY DOLLAR AP!!! IT SAVED MY LIFE!!!!! It's on my cell phone so it gets carried around with me. Any time I get tempted to splurge I pull out my phone realize I cant-so I don't BEST AP EVER 🖐🖐
I love how I can relate to you. So many others that share these tips are not mother's and some of the explanations and tips I can't relate too as a mom of two. Thank you for this❤️
If you are a single woman and travel alone in rural areas having a new car is extremely important in this day and age for safety reasons.I’ve bought and paid off several cars, but get very uneasy as they are older cars and less dependable by the time they are paid off. I will lease my next car as I never again want a car over 3 years old. I’ll just downsize my car. I love being frugal, but I also love being safer.
This is an excellent point. There really is no one correct answer for everyone. Leasing can also be a good option for seniors who need a safe vehicle to drive, but who may not want/need the commitment of vehicle ownership.
I understand the fears of older persons. However, I belong to AAA for towing in case of breakdown and keep my fully paid off car well maintained. I rather be car payment free for 10 years than lease with an ever increasing monthly payment cost over the same time frame.
Hi, Kate.our insurance is ridiculously expensive. Our insurance agent thinks costs will go down in September, but right now they are eating us up alive. You are a smart woman, Kate. I am 69. I wish I knew then what I know now.
Thank you so much for your videos! The first time I watched your video I had to subscribe. Love your content and passion about money. We have that in common. I wish I had been watching videos like this years ago. Keep up the good work, I'm a fan!
Quick tip. Don't buy new or used cars from a car dealership. They will rip you off. Buy a Toyota off of Craigslist and pay cash for it. I would walk before i had another call payment.
We’ve got a goal of paying the mortgage off, we are being as frugal as we can be, we have saved lots since Christmas and I’ve just got a second job, we are planning on using all my income to save and pay the mortgage off.... we have no debt, no car payments, no credit cards etc I love watching your videos, I’d love to watch live but there’s such a big time difference here 😂
Tithing or at least giving to needy - definitely increases your financial situation - it’s fact . I also want to throw out there that a person really has to start buying their home by the time your ‘32’ . Usually home loans are 30 years and U need to pay it off by the time U retire . It saddens me to see foreclosures especially when a person has been in their homes for years . Your HOME can make MONEY for U . U can always ‘ rent out a room ‘ or even a floor of your home to make extra cash . Just renting out your garage for some ones old car storage or renting out a pole barn is extra money . Buying your own home has valuable advantages .
I think my house might have 5 walls. I have quite a lot of medical expenses every month. Doctor visit copays, health insurance itself, medications and treatments plus gasoline and my car to get there.
I know I'm late, but I've been binge watching since the beginning. I'm slowly making my way to the present lol. I just don't want to comment on every video and seem like a crazy stalker! All great content. So many good tips.
wonderful tips. YES- explain the Everydollar. I'm a teacher so this is embarrassing. I track on hard copy using the Quick Budget tool in back of Dave Ramsey's book.
I have 4 videos on this! This is the first of the Everydollar Series I did ruclips.net/video/JTOwM9ZroCM/видео.html Also, if you prefer pen and paper, I have this vid: ruclips.net/video/hRPnbIzVKQ4/видео.html Hope these are helpful! So glad you are here!
hey ! this video is my favourite one out of all videos on your channel ! i totally agree with you i have been practicing frugality since 1 year and i found it amazing , i stopped purchasing useless stuff , for the first time i was able to own 10 notes of 5000 (in my currency) with me i used to just let that money go wherever capitalism traps me (ads, that banners in the mall etc)used to urge me to spend it but as i started to save money i realised , managing money nicely is more important than a high paying job , i just believe in spending less to get more , i ride bike to get here and there , i started to only have trips if they are 100% worth it , every penny you spend should be worth it and you should enjoy if you go out and spend is what i have in my mind , thx kate your videos are also motivating and informative , i follow the cash envelope system and what have i realised that being frugal is not being miser , it is to spend on things you need actually & to not get into trap of capitalism and just not spend on unnecessary things , now i lost my desire for expensive clothes and just some collectibles etc & concentrate on saving more & more money and to get best life experience using less money ! your videos too help a lot !
New viewer here! Loved the two videos I’ve watched so far. Last month I made a stupid mistake that I continuously beat myself up over.... I left one of my banks after making a large withdrawal and placing it in my wallet. I didn’t realize until the very next day that I had actually lost my wallet which contained close to $4k... I was beyond mortified. I do believe it must have fallen out of my sweat jacket here at my condo complex garage (New Jersey) so I decided that I was going to go on a year long journey of trying to compensate for my stupidity and careless action. With all my ID in the wallet, a dishonest person obviously found it and probably needed it so there goes my donation to helping out someone in need. Last July I started leasing a 2019 VW Jetta, first time leaser too, and I just knew I made a mistake as soon as I got LOJACK on a leased vehicle! Trying again to compensate and turn something bad into something good I’ve decided to look into these money saving videos and I truly love your ideas... I’m a single mom of 3 fur babies and I am so happy I found your channel. I also follow Prepper Princess (minimalism)...
Janice I am so glad you are here!!!! Oh man, $4k is a big punch! I feel like those kinds of things are often the smack in the face we need to make a few changes. (But like, really universe?? 4k?? LOL. ) But you've got the right idea now. Learning all you can making new decisions given new information that you have. This journey certainly has its ups and downs! Hope to see you on here again soon. Thanks for watching!
I bought a car I didn't need last year. Got myself in about $15000 of debt. It was extremely stressful to have big car payments. Fortunately I was able to sell the car. But I never want to have a car payment again.
Been working at my job for 2years no uniform isued so whent thru my closet picked 7 sets of clothing n yous that cloths as uniform .this job very dusty.dont care what people think or say.I will never yous my going out clothes,nice clothes to work.N I thright cloths shop n clearens new only.
Hi Laraine! I'm so glad you are here! Okay so right now, this is what I have for a budgeting video. Check this one out. ruclips.net/video/SqQkaCLY7dE/видео.html I really want to do a more specific "using everydollar" video, but I haven't gotten to do one yet. But hopefully this will give you some good info! WELCOME WELCOME!!!!! LOVE MONEY MOM!
Maria thank you so much for subscribing and thank you for the kind compliment. I'm so glad you found some value in this video. Hope to see you again soon!!! Have a great day! -Kate
Another great video, thanks for the tip (everydollar.com), I have never heard of it before. Yes, little Kaden, I did subscribe to your mommys' channel yesterday. He is too precious!
Thank you so much! And that lets me know you watched until the end! You're the best! Also, YES TO EVERYDOLLAR! I hope you like it! I use it LITERALLY every day!
Hi Good video I'm a mistake when I need a new car I should have bought a second-hand car but I bought a new car instead . It is nice car but still paying of i Michelle 🇬🇧
Hi Sherry! That is such a great question! If I were in your situation, this is what I would do. I'd create a "buffer fund". Not an emergency fund, but a buffer to cover my expenses when funds are kind of low. I'd do my very very best to set aside some extra in my checking so that if I didn't have any income that month, i'd be fine. Every paycheck, I'd add some to the buffer for the future. Could that work for you?
When you say you paid off the lease do you mean you ended up buying the car or just paid it ahead? I also just got out of my last lease and bought a great used car. New cars lose their appeal fast. Then you’re stuck with a huge payment.
I have just learned this hard lesson...no I am still learning this hard lesson! Do NOT WATCH videos of other people going out and spending money.... just because it’s a Dollar. You end up spending what you could have spent on the Food you really need. 20.00 of nix naks could have been food for a week or put in savings or better yet on your credit card you haven’t paid yet. Not saying it’s not good ...just maybe it’s a want not a need right now.
You got it Bea! The series starts here my friend. Watch this one first. There are 4 videos in the series. Hope it's helpful!!! ruclips.net/video/JTOwM9ZroCM/видео.html
Hi Kate, I would love a video on everydollar.com , I have used Dave Ramsey's tools, I didn't really need it, but revamped my budget using his plan. Saving $20,000 is huge, how long did it take? I do have a generous heart, sometimes it has cost me dearly. Thanks for great content!!!
I've GOT to make this video for sure! Okay lets see. I leased the car in Jan 2015. Paid it off in Jan 2018. Didn't realize I had made this error until halfway through 2016 when I discovered Dave Ramsey and started using everydollar!!! THANK GOD!
Hi Sindia! Okay so I leased the car in Jan 2015. Paid it off in cash in Jan 2018. I was saving a little money in 2015, but in July of 2016 is when I was introduced to Dave Ramsey and starting using everydollar and that's when I really ramped it up. So total? 3 years. Hope this is helpful! Please feel free to poke around some of my other videos too for some inspiration. I'm so glad you are here!
Kate Kaden that is awesome I’m actually trying to save up that same amount of money for a down payment on a home I have been binge watching your videos i am truly determined to do this! You are a true inspirational single mother it is hard alone to be a single mom and on top of that saving that large amount of money in such little time is amazing! Have a happy Fourth of July!!!!!
Why do you keep looking over to the right? You are compelling and enthusiastic and succinct, but it’s so distracting. Are you looking at the camera feed? Notes? I beg of you, print your notes out and just glance down at the table. Or if you’re looking at yourself there’s no need, you look terrific!
Get it single mom!!!!! I am a single mom as well and I am on a debt free journey as well. We can do it!!!!!
Heck yes Lakeycha!!!! We sure can! Thank you for watching! We single mamas can crush this!
YESSSSS
Giving is a biblical principle. You CAN'T outgive God. It doesn't make sense in the worlds economy, but in God's economy, it comes back to you. Get into the bible & you can SEE IT put into motion. I'm living it. It's AMAZING & I give God ALL the glory.
Great job. I love your authenticity. I was a single mama for seven years and also saved and paid off all my debt. It can be done. And I would like to say that during that time I started out making $17,000 and increased to $53,000 a year. I worked my tail off. I have saved about $54,000 and still helped my kids get through college. I got remarried a year ago but was able to do that before remarrying. Good luck to you. I’ll keep watching.
WOW!!! You DID work your tail off! YOU ARE AMAZING!!!! You are proof that it CAN be done! Thank you for watching and visiting with me! See you next time!
Courtney Butler - Robinson yes mama hope you’re still on your grind 👏👏👏💪💪
I feel like my new hobby is budgeting and binging on budgeting videos to learn all I can. I’ve been working with my SIL on budgeting and getting out of debt. She was paying over $200 a month to a cell service provider and most of that was paying for her kids’ phones. Her oldest is 18 and has a job so we decided he would pay off his phone and get his own service. She got a Christmas bonus which she decided to use to pay off her daughter’s phone so she could cancel this overpriced service. She is now switching to Straight Talk for herself and her daughter which we determined would give them the best service for the best price. She’s literally saving $140 a month now which she is now applying to paying off debt. I’m so proud of her!!
Yes, tell your money where to go, or it will just wander off aimlessly.
You're right about giving. I have been clearing out stuff and putting it on market place for FREE, just because I want it out of the house quickly (minimalism ranks slightly higher at the moment for me as decluttering is reducing my anxiety so much!) My husband was slightly annoyed I wasn't selling it all but I carried on my way. Anyway, another project I'm working on is my kitchen garden - again self prescription for anxiety - I went to collect x1 strawberry plant someone was giving away and came home with x3! That was exciting in itself as it saved me £30 I was already planning to spend, but then the lady also found me x3 other plants, some excess produce from her own kitchen garden and an oversized plant pot ideal for growing potatoes in next year!
Anyway I am writing this post to emphasise the merit of GIVING, spreading love and kindness around the world, without expecting anything back has it's rewards. There's big reward in that feeling when you have helped someone out, but sometimes it comes back around too.
Thank you for GIVING us these videos Kate.
Hey Lady! I found Dave 10 years ago and we paid off all our debts and home in 8 years. The BEST thing we ever did. Our life is so different now, so much easier. I still try to find any new way to save. Keep going!!! I am binge watching all of your videos to get caught up to speed and loving it all and your infectious smile.
Your unofficial great granny
YOU ARE THE BEST BEST BEST and I'm so glad Dave helped change your whole life!!!! THAT IS AMAZING UNOFFICIAL GREAT GRANNY!!!! Big hugs from Maine!
You’re a great inspiration for younger people. I’m impressed by how grounded you are. Bravo young lady.
Martha that means so much to me! THANK YOU!
Easy Hummus Recipe: 1 can 15oz garbanzo beans, drained, liquid reserved., 2 cloves garlic, 1 tsp ground cumin,1/4 tsp paprika, 1 TBSP lemon juice, 1/2 tsp salt, 1 TBSP Olive Oil or Sesame Oil....Pop everything into blender add reserved liquid and to blended consistency...You can substitute plain yogurt for more protein, or add or remove more spices...airtight container lasts a week. Use as a dip for veggies, or dip a tortilla into it and eat for lunch or a fast snack...Enjoy, let me know if you try it and if you like it...
I've always bought used cars and haven't had a car payment in 11 years! Yep, my car is 13 years old now, and I'm still driving it and will continue to until the car gives up the ghost. Last month I cut my groceries by 50%! I make almost everything from scratch. Buying Clothes was always a problem for me but I've cut way back on that by simply staying out of the stores. Amazon is a big temptation for me still, but I'm getting better. I still have some work to do on paying off a couple of bills and I've got a great budget that's keeping me on track. I'd like to see a video on "Every Dollar". Thanks for sharing.
You cut your groceries 50%!!! That is soooo awesome! So glad to hear it! WAY TO GO!!!!! Okay I've got to work on an Everydollar video! Thanks Ellen for watching. See you soon!
Ellen's Abundant Life on Less
Same here, for me staying out of the stores is key. Also, turn off notifications and unsubscribe many ads.
Now, i am working on my addiction to Thredup. ☹️
I'm a new subscriber and am really impressed by you. I'm way older than you are and was no where as tuned in as you are at your age. It also looks like you are a really good mom. You are on an upward trajectory. Good job.
Country Frau! Waking up to this beautiful comment has truly warmed my heart. THANK YOU for watching and taking the time to be so kind. Hope to see you here again soon! Very sincerely, Kate
Kate, I LOVE your videos. I totally agree paying attention to your grocery budget and using (having a meal plan) everything you buy at the grocery store is crucial to success. However, I have found that if we stick to a strictly bare bones budget at the grocery store for too long, we get very bored and want to go out to eat. For us, it is better to buy slightly more expensive protein sources (so that we have more variety). It keeps us from craving restaurant food. I have even learned to cook some of our favorite Mexican and Indian dishes :)
KIM! Thank you so so much!
Dave Ramsey: yes! I 'm really old & I cannot go back in time to build as much as I could have saved but, to help others learn from my mistakes, I give the Total Money Maker Over away every month. I teach adults & there is always someone interested in the frugal life. In fact, one of my co workers (a lot younger than me) is so excited about the TOTAL Money Makeover, that she cant stop telling others. Another employee asked me about the book & I gave her one too.
Peppie, this is great! What a wonderful gift you are giving others!
Great points in this vid!! Like how you emphasized the need to say NO. We live in a culture that wants everything now and the cost be damned. Young people need to hear you!!
Please make a video on the budgeting plan.
I started donating to my church several years ago. I don’t know why but I do have more money. I also donate to a friend who is a nun. She takes that money and donated it here in my hometown. I love doing both.
Your son is adorable. Great tips.
Thank you for the super kind compliment! I will tell you said that and he will blush:) Thank you for watching too! I hope you have an incredible Sunday and hope to see you again here soon!
Hi Kate, I'm happy to be here with you and I'm so glad you found my newbie channel. You're right, your mindset and content are fantastic - and I'm a single mom too. I admire your strategies so much. Thank you!
Thank you so much! I'm so glad we found each other! Have an amazing day!
I genuinely feel truly blessed to have a fantastic public transport network in my city, and a free travel pass because of my disabilities. I'd rather not have my disabilities, but since I do....
thebestwillow I’m sorry the best willow. I have mobility issues, so I can relate.
,
You have amazing down-to-Earth advice, I love your message!
Thank you so much Dave!
Great job! You should invest in a home. That is the path to wealth! I live in a cold environment too - get a wood burning stove. you can get free firewood everywhere.
Ibislife I struggle with this one, I.e. buying vs renting. I bought right before the housing market bust. I’m 10 years in and still 25k underwater. I am also a single mom. I bought a townhouse, which is great because everything outside, including roof, sewage, landscaping and snow shoveling is done. But, it comes at a cost of $350 a month, But they just redid our roof, which is a huge expense. I also live in NY but made sure the mortgage was considerably less than what the bank was eager to lend me. It’s still a struggle, and the new tax laws just made it harder. If I had it all to do again I’m not sure I would have bought...
Ibislife
Buying is not always the way to save money, beware of the market and interest rate. It's best not to have a mortgage.
Kate’s energy is everything I want in my daily life honestly 👏👏👏.
You’re so full of life and funny 😆
Ajoh, I LOVE THIS COMMENT! Thank you so so much!!!!! Hope to see you again today at 9am for a new vid!!! You keep me energized! Thank you!
Wow, amazing ! Many years ago before I got married (I'm widowed now) and had my children, Iwas an admin. assit. and could barely afford myself, and I lived frugally, on my own, in a studio apartment. You must make a very good income to be able to afford to do this and support your little boy. Today, many years, a marriage and 2 adult children later, I own a brand new home, out right, and am completely debt free. Good for you ! Well done !!!! tfs 🌼🌼🌼🌼🌼🌼🌼🌼
I am so sorry to hear you are widowed. But completely excited to hear you are DEBT FREE and own your home outright! AMAZING! Thank you so much for watching and commenting. Hope to see you again soon.
@@KateKaden Thank you . It's been a rough 10 years, but we are doing well. We lived in California, sold our home and moved to Arizona, where I was able to pay cash for our new build home, and still have money left over. You are the example of what young single Mom's need to see. I hope your channel grows quickly so others can see how its done ! 🌼🌼🌼🌼🌼🌼🌼🌼🌼🌼🌼🌼🌼🌼🌼🌼🌼🌼
That is one of the nicest things anyone has said to me. Thank you SO much. It truly means so much to me. (Not to be super sappy, but I really appreciate your kindness.)
Jaw droppingly impressive Kate. Your determination is warrior status. I am prepping myself for a no spend 2021. 😂 Good to revisit this part of your journey for inspiration. ☘️🇨🇮☘️
Thank you so much for checking out some of my oldies but hopefully goodies❤️ you are going to rock your no spend! I just know it!
Yes do a EveryDollar video please..
You go girl! I don't follow Dave Ramsey but the walls principle makes sense! Wants vs needs is huge and you speak to the realities of saving a large sum of money that most people don't want to hear. Give up all the wants!! I just found that there is a space to feature a channel on YT. Can I feature yours? I don't know if it'll help your count but I feel that is the least I can do to help get your message out! Really enjoy your channel and I loved seeing Kaden peek in the door. 😃. I'm off to track my spending now 😂
I'd be HONORED to be featured on your channel! Simply honored! WOW! Thank you SO MUCH! Your feedback and support means SO much to me! We've gotta stick together. (AND YES Kaden peeking around the door! It was hard not to giggle!) YES track that spending. It will rock your world!
Kate Kaden thank YOU so much! Have a great day! 😃
@@TheFrugalMinimalist Great idea, Wendy! I've found the Featured Channel, err, feature, and I've added both of you. Hooray!
Thank you! And may God bless you always!
I wrote every penny I spent in a notebook. No internet to use every dollar.com. stamps dry cleaning kid meals gas everything!! I loved saving money. It relieves stress especially when Murphy comes around. Lol
That pesky Murphy!!!!!
I love Dave Ramsey, and also your point of view about finances! I admire your work ethic and discipline!! I am reevaluating my discipline with finances, because though we don’t spend on a lot of things, I still think we could be saving more money.
This is GREAT Sarah! The more I comb through, the more I eliminate. No need to waste my money on things that do not add value to my life. You will LOVE seeing your expenses go DOWN!
Actually clothes is not part of the 4 walls. It's food, utilites, transport and rent.
OMG! You are totally right. I did not realize I said that! OOPS!
I LOVE THE EVERY DOLLAR AP!!!
IT SAVED MY LIFE!!!!! It's on my cell phone so it gets carried around with me. Any time I get tempted to splurge I pull out my phone realize I cant-so I don't
BEST AP EVER 🖐🖐
It's so helpful! l love it too!
I love how I can relate to you. So many others that share these tips are not mother's and some of the explanations and tips I can't relate too as a mom of two. Thank you for this❤️
This just made my day❤️ Thank you🙏🙏
@@KateKaden Im so glad because your videos made mine❤️
If you are a single woman and travel alone in rural areas having a new car is extremely important in this day and age for safety reasons.I’ve bought and paid off several cars, but get very uneasy as they are older cars and less dependable by the time they are paid off. I will lease my next car as I never again want a car over 3 years old. I’ll just downsize my car.
I love being frugal, but I also love being safer.
I LOVE being safe also!!! It feels SO much better and gives me more confidence. Thank you so much for watching and commenting!
This is an excellent point. There really is no one correct answer for everyone. Leasing can also be a good option for seniors who need a safe vehicle to drive, but who may not want/need the commitment of vehicle ownership.
@@FrugalOverFifty Just TODAY I was considering leasing a car and getting rid of the bank loan I have for my current car....!
I understand the fears of older persons. However, I belong to AAA for towing in case of breakdown and keep my fully paid off car well maintained. I rather be car payment free for 10 years than lease with an ever increasing monthly payment cost over the same time frame.
Hi, Kate.our insurance is ridiculously expensive. Our insurance agent thinks costs will go down in September, but right now they are eating us up alive. You are a smart woman, Kate. I am 69. I wish I knew then what I know now.
Thank you so much for your videos! The first time I watched your video I had to subscribe. Love your content and passion about money. We have that in common. I wish I had been watching videos like this years ago.
Keep up the good work, I'm a fan!
Wow! What a wonderful, thoughtful comment. I really appreciate you! See you soon!!! Have a great week Shafeqah!!!
You are very welcome!
And you do the same!
would love a video on every dollar.
Okay I've got to work on that! I'd be happy to make one! Stay tuned!
Quick tip. Don't buy new or used cars from a car dealership. They will rip you off. Buy a Toyota off of Craigslist and pay cash for it. I would walk before i had another call payment.
Great tip!!!!! Thank you!
This is very nice video, and your son is so cute 👍😊, your so lucky
You are so kind! Thank you!
We’ve got a goal of paying the mortgage off, we are being as frugal as we can be, we have saved lots since Christmas and I’ve just got a second job, we are planning on using all my income to save and pay the mortgage off.... we have no debt, no car payments, no credit cards etc I love watching your videos, I’d love to watch live but there’s such a big time difference here 😂
Tithing or at least giving to needy - definitely increases your financial situation - it’s fact . I also want to throw out there that a person really has to start buying their home by the time your ‘32’ . Usually home loans are 30 years and U need to pay it off by the time U retire .
It saddens me to see foreclosures especially when a person has been in their homes for years . Your HOME can make MONEY for U .
U can always ‘ rent out a room ‘ or even a floor of your home to make extra cash . Just renting out your garage for some ones old car storage or renting out a pole barn is extra money . Buying your own home has valuable advantages .
New sub!!! So happy I found you. I’m a single mom also, about to start binge watching🤗
So so glad you are here! Welcome to the family 🥰
Focusing on #1!
YASSSSSS
I think my house might have 5 walls. I have quite a lot of medical expenses every month. Doctor visit copays, health insurance itself, medications and treatments plus gasoline and my car to get there.
Hi Mary! Yes! Def adjust to your personal situation. Thank you so much for watching and sharing!
I know I'm late, but I've been binge watching since the beginning. I'm slowly making my way to the present lol. I just don't want to comment on every video and seem like a crazy stalker! All great content. So many good tips.
I do not have student loans are paid no car payments all paid I do have a mortgage less than 400 a month and I am retired comfortably at 38.
Thank you for sharing your knowledge.
Girl I love your videos !!!!!!
That means the world to me! Thanks for watching and thanks for the wonderful compliment! Hope to see you again on here soon:)
This us awesome!! Thanks for the great info!
The more I watch your videos I realize we have ALOT in common! 😃
wonderful tips. YES- explain the Everydollar. I'm a teacher so this is embarrassing. I track on hard copy using the Quick Budget tool in back of Dave Ramsey's book.
I have 4 videos on this! This is the first of the Everydollar Series I did ruclips.net/video/JTOwM9ZroCM/видео.html
Also, if you prefer pen and paper, I have this vid: ruclips.net/video/hRPnbIzVKQ4/видео.html
Hope these are helpful! So glad you are here!
hey ! this video is my favourite one out of all videos on your channel ! i totally agree with you i have been practicing frugality since 1 year and i found it amazing , i stopped purchasing useless stuff , for the first time i was able to own 10 notes of 5000 (in my currency) with me i used to just let that money go wherever capitalism traps me (ads, that banners in the mall etc)used to urge me to spend it but as i started to save money i realised , managing money nicely is more important than a high paying job , i just believe in spending less to get more , i ride bike to get here and there , i started to only have trips if they are 100% worth it , every penny you spend should be worth it and you should enjoy if you go out and spend is what i have in my mind , thx kate your videos are also motivating and informative , i follow the cash envelope system and what have i realised that being frugal is not being miser , it is to spend on things you need actually & to not get into trap of capitalism and just not spend on unnecessary things , now i lost my desire for expensive clothes and just some collectibles etc & concentrate on saving more & more money and to get best life experience using less money ! your videos too help a lot !
Thank you so so much!
New viewer here! Loved the two videos I’ve watched so far. Last month I made a stupid mistake that I continuously beat myself up over.... I left one of my banks after making a large withdrawal and placing it in my wallet. I didn’t realize until the very next day that I had actually lost my wallet which contained close to $4k... I was beyond mortified. I do believe it must have fallen out of my sweat jacket here at my condo complex garage (New Jersey) so I decided that I was going to go on a year long journey of trying to compensate for my stupidity and careless action. With all my ID in the wallet, a dishonest person obviously found it and probably needed it so there goes my donation to helping out someone in need. Last July I started leasing a 2019 VW Jetta, first time leaser too, and I just knew I made a mistake as soon as I got LOJACK on a leased vehicle! Trying again to compensate and turn something bad into something good I’ve decided to look into these money saving videos and I truly love your ideas... I’m a single mom of 3 fur babies and I am so happy I found your channel. I also follow Prepper Princess (minimalism)...
Janice I am so glad you are here!!!! Oh man, $4k is a big punch! I feel like those kinds of things are often the smack in the face we need to make a few changes. (But like, really universe?? 4k?? LOL. ) But you've got the right idea now. Learning all you can making new decisions given new information that you have. This journey certainly has its ups and downs! Hope to see you on here again soon. Thanks for watching!
I'd love to hear more about abundance, giving & sharing.
I'll keep it coming!
We are on a similar income, your channel looks right up my alley, hope it takes off in a big way soon! I bet it will.
Tammy THANK YOU SO MUCH! Love this comment. Thank you for being here. Hope see you again soon! Have an awesome day!
You are an amazing mom and such a sweet little boy.
Thank you so much Brenda!
I think ,i will cut on the clothes.and grocery
Nice!!!!
Hey kate 🥰 gawsh I missed your positive attitude!
🤗
I live with the 4 walls now lol,. I always ask myself "Is this a need or want. Can I live without. Dam it's hard, great info
YASSSSS!!!!
always enjoy watching your ids
Thank you so much!!!! So glad you are here!
I bought a car I didn't need last year. Got myself in about $15000 of debt. It was extremely stressful to have big car payments. Fortunately I was able to sell the car. But I never want to have a car payment again.
Do the every dollar tool video!
Been working at my job for 2years no uniform isued so whent thru my closet picked 7 sets of clothing n yous that cloths as uniform .this job very dusty.dont care what people think or say.I will never yous my going out clothes,nice clothes to work.N I thright cloths shop n clearens new only.
Hi I am new to your channel. Look forward to going through past videos.
Thank you Scott!!!! I'm so glad you are here!
Do you have a video on the every dollar.com? I am a new subscriber.. money mom sent me here to you.. I am enjoying your videos
Hi Laraine! I'm so glad you are here! Okay so right now, this is what I have for a budgeting video. Check this one out. ruclips.net/video/SqQkaCLY7dE/видео.html I really want to do a more specific "using everydollar" video, but I haven't gotten to do one yet. But hopefully this will give you some good info! WELCOME WELCOME!!!!! LOVE MONEY MOM!
Kate Kaden thank you so much!!!
Thanks! Great information, just subscribed to your channel.
Maria thank you so much for subscribing and thank you for the kind compliment. I'm so glad you found some value in this video. Hope to see you again soon!!! Have a great day! -Kate
Great video !! New subscriber ! Single mom as well ! 💪🏼💖
WELCOME TO THE FAMILY! I'm so glad you are here!
Awww your son is so cute!
Thank you thank you!!!!
Kaden he is adorable 💚
Thank you Kaitlin!!!
You're my new favorite RUclipsr 😊
This means so much to me! Thank you a ton!!!! See you next video!!!! HAPPY MONDAY!
ME TOOOOOOO
Another great video, thanks for the tip (everydollar.com), I have never heard of it before. Yes, little Kaden, I did subscribe to your mommys' channel yesterday. He is too precious!
Thank you so much! And that lets me know you watched until the end! You're the best!
Also, YES TO EVERYDOLLAR! I hope you like it! I use it LITERALLY every day!
11:53 lol your son poking his head in, haha
HAHAHAHAH!!! :) He cracks me up:)
I’m already over $20,000 this year. It’s my annual goal.
You've saved 20k? AWESOME TONY! WAY TO GO!
Kate Kaden ::/ Thanks..!! I’ve accomplished the same goal last year as well. Simply trying to increase my personal net worth annually.
Hi
Good video
I'm a mistake when I need a new car
I should have bought a second-hand car but I bought a new car instead .
It is nice car but still paying of i
Michelle
🇬🇧
Great advice!
Thank you Andrea!
I did the VERY same thing for the VERY same reason!
Oh awesome!!!! I like the way you think:) :) Have an awesome day!
I wish everydollar had an option for biweekly pay. I stopped using it because it was only monthly.
Oh I see, so Cecilia, you like to do biweekly budgets?
Or is your budget still made out for the month but you have more paychecks? Just curious.
@@KateKaden I get paid every 2 weeks, I budget paycheck to paycheck. I tried monthly and it was too difficult.
Cool I am an admin asst too
Great work
Great video!
Thank you betty boo! Thank you so much for watching! Hope to see you again soon!
I can listen to you all day😃.
That is the best compliment ever! THANK YOUUU Dilo Mag!
@@KateKaden 😃
Can you make a video of your meals.. thank you😊
Hey Flo! Thanks for asking! Here are my favs! (Frugal and low maintenance!)
ruclips.net/video/17SXQZNkp50/видео.html
Yes please😊
Thank you for watching!!!!
Hi Kate. Love your videos. How do you save on irregular income. I. Do private duty in homes. And sometimes I'm without work for about a month. Thanks
Hi Sherry! That is such a great question! If I were in your situation, this is what I would do. I'd create a "buffer fund". Not an emergency fund, but a buffer to cover my expenses when funds are kind of low. I'd do my very very best to set aside some extra in my checking so that if I didn't have any income that month, i'd be fine. Every paycheck, I'd add some to the buffer for the future. Could that work for you?
When you say you paid off the lease do you mean you ended up buying the car or just paid it ahead? I also just got out of my last lease and bought a great used car. New cars lose their appeal fast. Then you’re stuck with a huge payment.
I ended up buying the car:) Yeah I definitely don't recommend leases! Lesson learned for sure.
I have just learned this hard lesson...no I am still learning this hard lesson! Do NOT WATCH videos of other people going out and spending money.... just because it’s a Dollar. You end up spending what you could have spent on the Food you really need. 20.00 of nix naks could have been food for a week or put in savings or better yet on your credit card you haven’t paid yet. Not saying it’s not good ...just maybe it’s a want not a need right now.
Hi, please do a video everydollar.com. I am also Doing Dave Ramsey start May 2020.
You got it Bea! The series starts here my friend. Watch this one first. There are 4 videos in the series. Hope it's helpful!!! ruclips.net/video/JTOwM9ZroCM/видео.html
Dear wee Boy
I've tried everydollar before n struggled but I will try AGAIN!🤣Most times I use paper!😣but whatever works! Tracking is most important.
YES! Tracking is so important no matter what works for you. Pen and paper does work!
Thumbs up for "401what?" Lol.
HAHAHAHAH!!!!!
Asia Noel lmao
Hi Kate,
I would love a video on
everydollar.com , I have used Dave Ramsey's tools, I didn't really need it, but revamped my budget using his plan.
Saving $20,000 is huge, how long did it take?
I do have a generous heart, sometimes it has cost me dearly.
Thanks for great content!!!
I've GOT to make this video for sure! Okay lets see. I leased the car in Jan 2015. Paid it off in Jan 2018. Didn't realize I had made this error until halfway through 2016 when I discovered Dave Ramsey and started using everydollar!!! THANK GOD!
@@KateKaden ,
That is awesome, You did really great! 👍
This is awesome Kate I’m trying to get out of debt as well just out of curiosity how long did it take you to save the 20,000
Hi Sindia! Okay so I leased the car in Jan 2015. Paid it off in cash in Jan 2018. I was saving a little money in 2015, but in July of 2016 is when I was introduced to Dave Ramsey and starting using everydollar and that's when I really ramped it up. So total? 3 years. Hope this is helpful! Please feel free to poke around some of my other videos too for some inspiration. I'm so glad you are here!
Kate Kaden that is awesome I’m actually trying to save up that same amount of money for a down payment on a home I have been binge watching your videos i am truly determined to do this! You are a true inspirational single mother it is hard alone to be a single mom and on top of that saving that large amount of money in such little time is amazing! Have a happy Fourth of July!!!!!
Kate, how long did it take you to save $20k? I’m also an Admin Assistant and trying to pay off my debt and save for a down payment for my first home.
Did you upgrade on Every Dollar for the premium functions?
I never have. I still only use the free version:)
Thank you so much !!!
You are SO welcome Bonnie! Thank you for watching!
Wow I have 3 credit cards in my neck and have a car loan :(
I am doing a lot of action and planning
🌹
Thanks for watching Feliz!
www.everydollar.com is Amazing!! I learned about it from Dave Ramsey about 4 years ago & Love it! Game Changer! Clarity!
What about health.
Do you have insurance
Do you do your rutine checks
How much you spend on that
Yes I have health insurance through my work. It's taken out automatically every paycheck.
Check out Living On A Dime here on RUclips. They also have a great cookbook Living On A Dime. So many great ideas.
Thanks greener pastures!
Why do you keep looking over to the right? You are compelling and enthusiastic and succinct, but it’s so distracting. Are you looking at the camera feed? Notes? I beg of you, print your notes out and just glance down at the table. Or if you’re looking at yourself there’s no need, you look terrific!
Thanks Minnie! Yeah I had notes on the side for that one:)