I think I have stress because I went from baby step 6 back down to baby step 3 ,because Murphy showed up at my house ( new AC unit.) . 😢 And I’m so used to putting 15% in my 401k . and I had to stop that. Just to start building my emergency fund back up. I feel like a small child who had their security blanket taken away. * no credit card debt * never had streaming subscriptions * no student loans * paid off old car * no Internet 12 yrs ( until I had to start working from home) * no medical debt * use Night lights instead of lamps I truly live a minimalist life ,I don’t know what is the fastest way to pay back my emergency fund.
Hey Ashley, have you tried to renegotiate services like your internet, phone, etc? Sometimes you can get a great discount on the plans by doing that. It might not be a lot per month, but per year it can be a lot.
@@frankbatista.official yes I have the bare bones for everything. Most people think I’m weird for not having cable television or streaming services and not having Internet in my home until WFH Covid..
Pertaining to groceries, do you count all the things you buy for pets in that category? I have 2 dogs and a cat ( had them for years so no I’m not rehoming them ) they are a pretty big expense that wasn’t so noticeable until the last few years as they get older . Do I make a separate envelope for them or is that in the grocery budget ? Thank you
I'm a huge fan. I have to say though the number of camera angle cuts becomes a bit of a distraction. Please consider much much much less cuts. So we can focus on one angle of you while you speak. Less cuts = more attention I love the advice though!
Thanks for the grocery link. I'm taking FPU I'm on week and lesson 3 on baby step 2 but I couldn't get the grocery guide to open from lesson 1 so thank you for adding it in the description box
This a great video, I learn alot watching your videos and it has been helpful to me. building a steady income is quite difficult for newbies. Thanks to Wendy Taylor for improving my portfolio, Keep up with good videos.
Responsibly budgeting and being aware of EVERYTHING and not hiding from it was a game changer for me. I budget every single PENNY...and never did before.
It wouldn't fit our our currency notes in it. US Dollar notes are smaller than our. Check out Etsy for a UK purse with and envelope system in it. That's what I did 👍🏻
Getting rich off crypto is much tougher than it seems. I keep losing money while trading with these youtub videos, and finding a trustworthy professional trader to help out with these trades also appears to be nearly impossible. This is extremely annoying
i really feel left aside hearings and seeing several testimonies from people on profits they make from crypto/Forex investments. Can someone please recommend a good expert that can trade on my behalf and generate profits for me🥺🥺🥺
In this aspect, individuals who lack specific trading experience can actually benefit from primary traders' expertise without having to invest a lot of time and effort in developing a successful trading strategy
If you ask me.., I think griffin kartner is one of the best mentors and as well a reliable expert trader you can comfortably invest with and she never fails to deliver.
Unsubscribing from marketing emails and then signing up to Slick Deals sounds counter-productive. Yes, there are bargains to be had on Slick Deals, but you will also be tempted to buy stuff that you don't need, just like with the marketing emails.
*It is no longer a story that the world is experiencing a global economic downturn, I’m so happy that I’ve been receiving $45,000 from my $10,000 investment every 10 days.* ,
Anyone else have this problem. Got out of debt but still spending everything that comes in. When I take what “was” my mortgage and put in savings, something major happens. Fridge broke car repair etc… I have a hearty savings but it is not growing.
I sleep in a sleeping bag and liner to keep warm at night and keep the heat very low. I don't have a dishwasher, microwave or washer and dryer. I had a credit on my power bill this month. Save for stuff I want. No credit needed.
Lol our grandmas - even those in Western countries were no trolls. She washed all her clothes by hand, all dishes by hand. I grew up like that too. Many of my friends parents dried clothes on a thick long bamboo stick. Western countries think people cannot survive without dishwasher and washer/dryer today, lol.
We never had microwaves too. How did grandmas cook food? They reheat food the same way, no microwaves. I only got a microwave and started using one when I moved out haha.
Amazing video and thank you for breaking it down!! Despite the economic downturn, I'm so happy 😊I have been earning $ 60,000 returns from my $7,000 investment every 12days.
When I glance through your comments, I know you must be talking about Mrs Benito. It's been 3 months of steady crypto growth using her trading strategy.
I got Benito's recommendations in December 2021 and started following her lead and made $23,450 in a week. Lost my job in January 2022 and right now I'm back on top again and ready to go with her guidance.
@@rickybishop8388 Hey, I invested largely on stock market last year, tried some index but my experience doesn't pay me. I have lost so much trading by myself Please is there any handle or link can get to her?
I would like to see you try and live on the average salary for one month with no savings and no money to start off. Also no spouse and no support from daddy. Live it first.
@@Ink30 Oh really so why make a video with this topic? There is no such thing as anyone can do........ I used to live with a dude whose budget was always wrong and he has at least 36 months if not more so NO everyone can not do everything.
Yeah nothing wrong with suggestions but making something work with too little or no income is another challenge all together!!!! Your telling the truth because these Ramsey people don't seem to understand the complexities of living on almost nothing or too little.
it's not easy but anyone can change there circumstances have to find a good paying job or lots of lower ones until you can find that perfect career. I grew up in poverty with nothing went to school while working illegally underage at 8 years old to eat tons of disabilities mental and physical and graduated by the skin of my teeth got 2 full time jobs and still have both now I make 100k plus a year with over a million net worth. It's not a fun easy road but if u want it bad enough you can do it
![BLACK BAG - Official Trailer [HD] - Only in Theaters March 14](http://i.ytimg.com/vi/Du0Xp8WX_7I/mqdefault.jpg)
You had me until you said run that Amazon report. now I will go run.and hide 😂😂😂😂😂 lol
Lol me too
I think I have stress because I went from baby step 6 back down to baby step 3 ,because Murphy showed up at my house ( new AC unit.) . 😢 And I’m so used to putting 15% in my 401k . and I had to stop that. Just to start building my emergency fund back up. I feel like a small child who had their security blanket taken away.
* no credit card debt
* never had streaming subscriptions
* no student loans
* paid off old car
* no Internet 12 yrs ( until I had to start working from home)
* no medical debt
* use Night lights instead of lamps
I truly live a minimalist life ,I don’t know what is the fastest way to pay back my emergency fund.
Hey Ashley, have you tried to renegotiate services like your internet, phone, etc? Sometimes you can get a great discount on the plans by doing that. It might not be a lot per month, but per year it can be a lot.
You’ve done it before, you can do it again.
@DoublePortion4ME yeah $12,000. Is a lot on a single income.
@@frankbatista.official yes I have the bare bones for everything. Most people think I’m weird for not having cable television or streaming services and not having Internet in my home until WFH Covid..
I love your shows, Rachel. Keep doing what you do best.
Great tips!!
Pertaining to groceries, do you count all the things you buy for pets in that category? I have 2 dogs and a cat ( had them for years so no I’m not rehoming them ) they are a pretty big expense that wasn’t so noticeable until the last few years as they get older . Do I make a separate envelope for them or is that in the grocery budget ? Thank you
It is a personal choice- But, my two dogs have a separate line in the budget and their own emergency fund
I have a line for pets. It is about 200 a month. I don't have a separate emergency for them.
I have them in the budget and also have pet insurance
@@sussannerandall85 So you've basically done the first 3 baby steps twice excluding step 2 which pertains to debt elimination.
Thank you Rachel. We love your RUclips channel ❤😊
I agree(:
I can't find how to run that amazon report. I would love to see how much I spend without all the adding lol
Your sweater is exactly like one I had in high school back in the early 70s! I loved that sweater! 😂
That sweater has turned out to be a good investment.
Most of my furniture I found or very inexpensive. I have a vinyl covered futon bed for my living room that is nine years old. Very sturdy.
I'm a huge fan. I have to say though the number of camera angle cuts becomes a bit of a distraction. Please consider much much much less cuts. So we can focus on one angle of you while you speak. Less cuts = more attention I love the advice though!
Agreed as someone previously working in production
Thanks for the grocery link. I'm taking FPU I'm on week and lesson 3 on baby step 2 but I couldn't get the grocery guide to open from lesson 1 so thank you for adding it in the description box
I have put in my email for the meal planner a few times but I never receive it.
This a great video, I learn alot watching your videos and it has been helpful to me. building a steady income is quite difficult for newbies. Thanks to Wendy Taylor for improving my portfolio,
Keep up with good videos.
I'm surprised you know her too. I've been making a lot of profits investing with her for a few months now.
Mrs Taylor changed my life because of the high profits I got from investing with her.
You invest with Mrs Taylor too? Wow that woman has been a blessing to me and my family.
I was skeptical at first till I decided to try. Its huge returns is awesome. I can't say much.
*James Butler* You can communicate with her on telegam with the user name below
The right mindset starts with adopting the right habits. Great work, Rachel!
Responsibly budgeting and being aware of EVERYTHING and not hiding from it was a game changer for me. I budget every single PENNY...and never did before.
How do invest for beginners
How do I leave a message
Weekend goals for me. I’ve been holding on to a few credit cards that I hardly ever use
I really want your purse but can't find anywhere that ships to UK 😞
It wouldn't fit our our currency notes in it. US Dollar notes are smaller than our. Check out Etsy for a UK purse with and envelope system in it. That's what I did 👍🏻
@@sXePunkV2 any particular shops please
Bad habits
Getting rich off crypto is much tougher than it seems. I keep losing money
while trading with these youtub videos,
and finding a trustworthy professional
trader to help out with these trades also
appears to be nearly impossible. This is
extremely annoying
i really feel left aside hearings and seeing several testimonies from people on profits they make from crypto/Forex investments. Can someone please recommend a good expert that can trade on my behalf and generate profits for me🥺🥺🥺
In this aspect, individuals who lack specific trading experience can actually benefit from primary traders' expertise without having to invest a lot of time and effort in developing a successful trading strategy
Wow you really know expert Stacy griffin kartner ...? I'm a living testimony of her good expertise, she has been trading for me for months now
@ficky pratama how do you do it? Do you follow any particular strategy or you just got very lucky?😂😂😂😂😂😂
If you ask me.., I think griffin kartner is one of the best mentors and as well a reliable expert trader you can comfortably invest with and she never fails to deliver.
Unsubscribing from marketing emails and then signing up to Slick Deals sounds counter-productive. Yes, there are bargains to be had on Slick Deals, but you will also be tempted to buy stuff that you don't need, just like with the marketing emails.
I agree
Can you bring in a professional to talk about ADHD Tax?
1. List "all" debt
2. Make a budget
3. $50 n sav a/c straight away
4. Cancel "1" subscription
5. 2/3/5 t'ings
Throw 2 away
Sell 3
Give 5 away
*It is no longer a story that the world is experiencing a global economic downturn, I’m so happy that I’ve been receiving $45,000 from my $10,000 investment every 10 days.*
,
Quite impressive but HOW!!😊 I know it's possible, my sister always get 40K every week, I would appreciate if you show me how to go about it .
It's all thanks to Mary Lynn Crawford her trading skills is the best I can think of now
Oh please, how can someone get to speak with Mrs Mary Lynn Crawford!!?
@@rhondabrown9049 Reach her directly
Anyone else have this problem.
Got out of debt but still spending everything that comes in.
When I take what “was” my mortgage and put in savings, something major happens.
Fridge broke car repair etc…
I have a hearty savings but it is not growing.
@TheMrDudiness Are you spying on me? Can’t move rn but you hit a nerve with Starbucks. 🫠
I sleep in a sleeping bag and liner to keep warm at night and keep the heat very low. I don't have a dishwasher, microwave or washer and dryer. I had a credit on my power bill this month. Save for stuff I want. No credit needed.
Your a boss.
I don’t know if your trolling or not 🤔
Because how do wash dishes or reheat food without a dishwasher or microwave. Also how do wash your clothes?
Lol our grandmas - even those in Western countries were no trolls. She washed all her clothes by hand, all dishes by hand. I grew up like that too. Many of my friends parents dried clothes on a thick long bamboo stick. Western countries think people cannot survive without dishwasher and washer/dryer today, lol.
We never had microwaves too. How did grandmas cook food? They reheat food the same way, no microwaves. I only got a microwave and started using one when I moved out haha.
9. Unsubscribe from @ least 5 marketing email newsletters
10. Run Amazon order history report
11. Spend $50↓den normal on groceries challenge
Amazing video and thank you for breaking it down!! Despite the economic downturn, I'm so happy 😊I have been earning $ 60,000 returns from my $7,000 investment every 12days.
When I glance through your comments, I know you must be talking about Mrs Benito. It's been 3 months of steady crypto growth using her trading strategy.
I got Benito's recommendations in December 2021 and started following her lead and made $23,450 in a week. Lost my job in January 2022 and right now I'm back on top again and ready to go with her guidance.
@@rickybishop8388 Hey, I invested largely on stock market last year, tried some index but my experience doesn't pay me. I have lost so much trading by myself Please is there any handle or link can get to her?
Oh yeah She is always active on wats' ppp
@@Jim-po8zx she will guide you ☝️
I would like to see you try and live on the average salary for one month with no savings and no money to start off. Also no spouse and no support from daddy. Live it first.
🤣, but it can be done to many cry victim. It sucks got to work a million jobs and think smarter but anyone can do it
@@Ink30 Oh really so why make a video with this topic? There is no such thing as anyone can do........ I used to live with a dude whose budget was always wrong and he has at least 36 months if not more so NO everyone can not do everything.
Yeah nothing wrong with suggestions but making something work with too little or no income is another challenge all together!!!! Your telling the truth because these Ramsey people don't seem to understand the complexities of living on almost nothing or too little.
it's not easy but anyone can change there circumstances have to find a good paying job or lots of lower ones until you can find that perfect career. I grew up in poverty with nothing went to school while working illegally underage at 8 years old to eat tons of disabilities mental and physical and graduated by the skin of my teeth got 2 full time jobs and still have both now I make 100k plus a year with over a million net worth. It's not a fun easy road but if u want it bad enough you can do it