Thank you for always speaking for us low income families. As someone with low income I prioritize to pay myself first. Small amounts add up over time. I also do grocery pickup because I am frugal and if I find things on clearance I need to buy them.
Great Advice! I went from making $35,000 a year to being on full disability. While it was a struggle for a few months, I quickly figured out how to manage my money. Bills are always paid, no car payment, $25 a month cell bill. ETC. It is all about priorities. As long as you have money coming in, you can manage it and save.
You are so right!! I don't get a lot of money, but all the more reason to budget!! If I didn't my bills would not be paid and I probably would have groceries!!
I do have 4+ months emergency fund. I'm hoping to have added enough to have 6 by the end of the year. Saving also for moving expenses. My July reset needs to be finalized, that's next week. Love all your fun and practical videos. needs to be fin
Budgeting gives me peace of mind. Knowing that I have a plan for my bills is better than the 'oh crap' moments when I was younger without a budget and having something cut off...
Lydia - I think you are the cat’s pajamas!! What a crazy saying but you are great!! So down to earth. And loving your best life!! An emergency fund is so essential for Peace of mind. You have such energy and I relate to you in such an odd way. I don’t have anything in common w you as far as I am a nurse practitioner and I have already raised my family and our debt has been all paid off!! But I still look forward to your videos like you are a friend and I love your tips and ideas!! Thanks for all your you tube videos!!
I'm doing well, thank you! Our goals are to have two full-time incomes (coming from one income and both of us being students) and bring in more money to survive on. Then, work on emergency savings. I'm hoping to find something that still allows me to homeschool but still work full time hours/income. I always love your videos! They just make me feel so grounded and remind me that it is very possible to repair our financial situation! Thanks for being so encouraging! 💕😃
Thank you for short but jam packed information about money, and money goals. You are always a wealth of knowledge. We are starting to build that emergency fund. Problem is, we keep taking money out of it for non-emergency items. Also, credit card debt (the high interest rates) are killing us. Trying to work the snowball method. Susan
We haven't had an income for months. We all have health difficulties. One thing I would like to say is be creative on how you do things. So many things you already have can be used in a different way and work just as great for free. 💕
When there’s not enough money for necessities it makes it so hard to stick to a budget..I get overwhelmed and throw my hands up because I’m in the red and then say “it’ll work itself out”….its the big items that are killing us like an expensive mortgage and van payment.
Dear Ms. Senn, What is the name of those people from the Dave Ramsey group that helps you plan out your money goes. I used to have $900 a month I now make $35K a year, and I have $7K in my checking account. I'm scared and I don't know what to do.
I’m 70. Over the last few years I focused on lowering or eliminating every expense I had. Those efforts have paid for themselves enabling me to pay off my mortgage, increase my 401k contribution, build an emergency fund, and make progress on home repairs and upgrades. I go through the same exercise twice yearly. I captured $10 this month on an internet bill ($120 annually), am adjusting my meal planning to eliminate the impact on inflation, and scrutinizing how I spend my time and with whom.
@@beth3535 I know. I'm glad that you made common sense decisions for yourself. That's why I wanted to sit down with someone to actually see all of my idiosyncrasies special for me. I decided to give my lawyer $4K, pay $1500 for my expert witness and put the rest into savings, just in case there's something else.
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Thank you for always speaking for us low income families. As someone with low income I prioritize to pay myself first. Small amounts add up over time. I also do grocery pickup because I am frugal and if I find things on clearance I need to buy them.
Great Advice! I went from making $35,000 a year to being on full disability. While it was a struggle for a few months, I quickly figured out how to manage my money. Bills are always paid, no car payment, $25 a month cell bill. ETC. It is all about priorities. As long as you have money coming in, you can manage it and save.
Lydia Senn for treasury secretary! We wouldn’t be trillions in debt.
I learned today, don’t just quit your job because you hate it build up savings then quit or have another job lined up before hand!
You are so right!! I don't get a lot of money, but all the more reason to budget!! If I didn't my bills would not be paid and I probably would have groceries!!
I started budgeting in 2009 when I got laid off and had so little money that i HAD to keep track of what i was spending
I do have 4+ months emergency fund. I'm hoping to have added enough to have 6 by the end of the year. Saving also for moving expenses. My July reset needs to be finalized, that's next week. Love all your fun and practical videos. needs to be fin
Budgeting gives me peace of mind. Knowing that I have a plan for my bills is better than the 'oh crap' moments when I was younger without a budget and having something cut off...
Lydia - I think you are the cat’s pajamas!! What a crazy saying but you are great!! So down to earth. And loving your best life!! An emergency fund is so essential for
Peace of mind. You have such energy and I relate to you in such an odd way. I don’t have anything in common w you as far as I am a nurse practitioner and I have already raised my family and our debt has been all paid off!! But I still look forward to your videos like you are a friend and I love your tips and ideas!! Thanks for all your you tube videos!!
Hi Lydia. Thank you so much for the information you present to your viewers. You have helped me more than you could ever realize❤️
Glad it was helpful!
I'm doing well, thank you! Our goals are to have two full-time incomes (coming from one income and both of us being students) and bring in more money to survive on. Then, work on emergency savings. I'm hoping to find something that still allows me to homeschool but still work full time hours/income. I always love your videos! They just make me feel so grounded and remind me that it is very possible to repair our financial situation! Thanks for being so encouraging! 💕😃
Budgeting is number #1! Glad thats where you started. Smart lady! Thanks Lydia
Yes! Thank you!
Thanks Lydia 👍 You standing at your front door brought back memories of earlier videos got me reflecting on how long I've been here 😊
I thought the same thing! Still the best light in the house.
Thank you for short but jam packed information about money, and money goals. You are always a wealth of knowledge.
We are starting to build that emergency fund. Problem is, we keep taking money out of it for non-emergency items.
Also, credit card debt (the high interest rates) are killing us. Trying to work the snowball method.
Susan
I've been away from RUclips for a while but when I wander on back you are always one of the very first I look for, I always always enjoy your content.
You are such a valuable resource! ❤
Thank you
Lydia you are so smart❤
We haven't had an income for months. We all have health difficulties. One thing I would like to say is be creative on how you do things. So many things you already have can be used in a different way and work just as great for free. 💕
Hi Lydia I have a small emergency fund which I'm working on increasing and I paid off one of my cc and getting ready to start on the next one
You're doing great!!
@@TheRealLydiaSenn thanks ❤️
Awesome!!! Thank you!
When there’s not enough money for necessities it makes it so hard to stick to a budget..I get overwhelmed and throw my hands up because I’m in the red and then say “it’ll work itself out”….its the big items that are killing us like an expensive mortgage and van payment.
Thanks again! I’m Checking out that app and recommended spreadsheets.
What app is that? I can't find any links.
Great video!
Many thanks for another great video! You always have excellent content!
Hey Lydia!❤
Hey!!
How do you budget when groceries and utilities are always increasing? Im house free but my husband is disability and there’s no overtime or extra
❤❤❤
Dear Ms. Senn, What is the name of those people from the Dave Ramsey group that helps you plan out your money goes. I used to have $900 a month I now make $35K a year, and I have $7K in my checking account. I'm scared and I don't know what to do.
I’m 70. Over the last few years I focused on lowering or eliminating every expense I had. Those efforts have paid for themselves enabling me to pay off my mortgage, increase my 401k contribution, build an emergency fund, and make progress on home repairs and upgrades. I go through the same exercise twice yearly. I captured $10 this month on an internet bill ($120 annually), am adjusting my meal planning to eliminate the impact on inflation, and scrutinizing how I spend my time and with whom.
@@beth3535 I know. I'm glad that you made common sense decisions for yourself. That's why I wanted to sit down with someone to actually see all of my idiosyncrasies special for me. I decided to give my lawyer $4K, pay $1500 for my expert witness and put the rest into savings, just in case there's something else.
You’re so helpful and inspirational!
Thank you