My loved-ones say they can't relate to the people I love on RUclips. You are so real and down-to-earth that I feel you can appeal to people of ANY income class and education level. Your relatability says something about you as a person. Back to my binge-watching, note-taking, and implementation!
I really truly appreciate that! That's really the only reason why I felt compelled to start sharing my journey and knowledge on YT was to show people what they can do if they put their mind to it. And I try to do so in a way where I can appeal to all sorts of people. Although certain parts of my journey may not be relatable to others my goal is to be as relatable as possible :)
Nice to see financial advice from someone who looks like me who is also NOT flat broke because you managed your time and money well. Tired of advice from people who never seem to make any progress, but constantly tell others that they can make it! I am learning from and throughly enjoying your videos.
+tvdavis Thank you so much! I really appreciate that! That was my whole point of making my YT channel. To put another person who looks like me in this space to show people what's possible. Too often "we" give up because everyone we see succeeding looks nothing like us!
TheRealCoachKe : Changing my thoughts and my habits in 2019! It makes no sense to earn so much, yet have so little (because I pay everyone else first).
+tvdavis it ALL starts in the mind. You can have all the strategies known to man but if your mindset isn't right nothing else matters! Let's make 2019 our best year yet! :)
Hi tvdavis. I am svdavis. I totally agree that we should divide the cost of an item by our hourly pay. Knowing how many hours you have to work to buy an item will make you reconsider buying it.
Great video & content!!! I calendarize my expenses and it has made all the difference. I also journal my urges to buy. I was spending emotionally (sad, lonely, bored). My debt payoff journey is rolling! Thanks for the inspiration 💪🏽
+Chiblie Coleman thank you!! I used to calendarize my expenses but not track them and although I wasn't a big spender tracking the expenses made a big difference especially during tax time. I no longer had to check all 12 bank statements for business expenses. I could just check my expense trackers month to month and look for that specific category lol
Absolutely! I think if more people did this, people wouldn't struggle so much financially. Just yesterday I saw an individual say they were working 90 hours a week to save to buy a $4,000 surround sound system. Amazing how much people really don't think about how much their purchase is REALLY costing them (labor).
It works great the other way around, as well. As a motivator when at work, and having a long day. Count that income pr minute, or every 2-10 minutes to where you find an even number, then add as you go along.
You're so very welcome! I wasn't taught much myself. I was taught the importance of good credit and thatttttt's about it LOL. Everything else I learned mostly on my own. Through my own experience. Trial and error. And some I learned on YT or at seminars I attended :)
We make our income tax work for us. He makes 20k a year. They take $300 in taxes before handing him his paycheck but our income tax is great. So we prepay all our ultilites, thousands gone bam. No more shut off notices. We lived in this house for over 5 years and know what the grand total of the ultilites run usually. Add in few hundred just in case and voila no worries. Also pre buy food. Stock pile freezer and cupboards. Save one grand of income tax money. All done. Now every month for once we can save money, knock down the 12k debt of vehicle payment faster, and live a little. Weekend State Park vacations for sure now. :)
Girl I love you. Just subbed. You are speaking to my soul right now. I'm a college student that work 2 jobs put still find myself broke and struggling to save. Can you please do an updated version of this video.
Hi Coach Ke, I am a new subscriber and I've watched all of your recent videos. I just got into watching older videos and I think the intro on this video is WAY better than your current one. This intro is better because you look much more professional and you tell your viewers about what qualifies you to give us advice.
Hey darlin! Thank you for that feedback! I guess I never really thought of it that way. I really just wanted something different for 1 and for 2 because I'm really sharing my personal journey from my own standpoint of going through it myself not from a professional standpoint (just like many other budgeters on YT). Maybe I'll keep my current intro for non-advice vids and put the professional/qualifying one on the advice type of vids. But I'll be doing a new intro soon as I'll be debt free and that'll be the "qualifier" off the top! lol
+Tiffany K thanks so much! I think me following most of these since my early years has gotten me this far. I've learned alot in the last year of budgeting too!
You're more than welcome! There are many investments out there and what's good for some aren't good for others. I personally have money invested in bonds/stocks, cryptocurrency, ETFs, and the foreign exchange market.
Amazing stuff! Thank you. But don't spend $10-$12 on a weekly calendar book at Target like you suggested - Dollar Tree and the 99 Cents Only store have them for a buck.
AWWW THANK YOU! I really just restarted this channel back in September of last year. I have like 1.1 Million watch minutes from popular/viral videos I made some years back. It was a entrepreneur tips, etc type of channel but when I restarted I didn't want to start all the way over so I kept my subs and just deleted most of my vids lol. I'm glad you're enjoying the content!
When counting how many hours it takes you to earn something, don’t forget that there are some hours that need to go towards the things like housing and food that you can’t choose not to buy. Also, there is a limited amount of hours you can work without killing yourselves, because there is time that needs to be spent sleeping and resting and taking care of your family.
Oh absolutely! People should take that into consideration with those things as well. I think if more people did they wouldn't be in such financial binds for so long. I know people who make $9-10 an hour yet buy $150 shoes once a month. Why? It makes no sense.
+Juanita Perez Nunez you're more than welcome! I'm glad you enjoyed the video! You can see me put many of these strategies to use with each week's paycheck to paycheck budget video as well as the monthly budget videos. Check em out if you haven't already! :)
I avoid the paycheck & payments being lopsided, by paying 50% of each bill from each check. On occasion I have to pay a bill’s full amount because of how its due date and my pay date line up. This gives my budget more consistency with expenses and savings.
You should put money aside, yes...BUT I believe you should get as caught up on your home payments as possible as the last thing you want is a foreclosure on your record/credit profile.
I agree with your tips of avoiding wasteful spending. For African Americans its not easy finding and earning income after the 1990's. The era of the so called American dream is over. Personally I'm not a extremely wasteful spender all my $ goes to bills. Until we are able to tap into jobs with/without degree that yield a proper income most blacks will struggle. Rent is at the cheapest $1000 I'm single and think a single person needs $1800 after taxes (in the south) to pay bills save and enjoy themselves within reason. For blacks who are responsible please understand it is the past of slavery that has harmed you presently. We desperately need to be informed of companies hiring (not $12/hr) and trades that don't cost us a fortune to get. Blacks have great business ideas but will be denied for the loan versus a immigrant who will sell old produce in urban areas and get the loan. Please view tone talks channel and read the wealth data reports. I know I'm doing all I can in 24hrs without being gravely ill now or later in life 🙏.
I absolutely LOVE this comment. This is the very reason why I manage my finances the way I do. People act as though we have the best opportunity for growth in this world in this day and age and we don't. Which is why I tend to seize whatever smart opportunity comes my way!
I really try my best to break things down to the simplest form so that people can learn in practical/real life ways. It's important to meet people where they are and make things easy to understand. :)
What about if you are low income and your income will never increase and you don't get bonuses or tax refunds? I've already cut every bill I can and it doesn't seem to make any difference
Well first you have to get out of that mindset. Your income WILL increase if you do what you need to do for it to increase. You can't keep yourself in a mindset of lack and believe that things will change. Everything starts within the manifestation of the mind :)
I used to work at a financial institution as a loan officer and helped out an individual who actually made $34k A MONTH and still needed a loan. How absurd is that!
+Needing Less I know someone who used to make $34,000 a month, bought a $100k car ($40k down, $60k financed) and a year later was driving that same $100k car to pull up to a $10-12 an hour JOB. smh
well. I do Not live paycheck to paycheck so i'm one of the 22 percent. I can't imagine it's that high of a percentage to be doing this. why do people spend all there money every payday , it boggles my mind.
Yes, this is a great concept when you make enough money. However, paycheck to paycheck does not equate to being able to save. .. sometimes people don’t make enough to even save. Has nothing to do with over spending.. just saying
@@keamber.vaughn I apologize. In Texas we renew our license plates annuslly for about $60 per vehicle. I didn't realize it's considered property tax in some states. Just recently we paid property tax on our houses so that's all that was on my mind. I want to move to an apartment before I die so my daughters won't have to figure how to pay house prooerty tax when we're gone. Your presentation is very informative. Just wish I managed much better when I started working in 1975. I've been retired since 2007 on a disability. So income was cut in half. It's still a full pension and thankfully not Social security.
+Celia Gorleski it's all good! Alot of states don't have property taxes so people in those states always get confused lol. We have property taxes PLUS having to renew our plates every 1 or 2 years depending on which one you choose. Honestly I think as generations continue to be created less and less individuals will have the desire to be in a house because of the maintenance and trying to figure out property taxes. The younger the generation the more the desire to just live in apartments forever lol
@@keamber.vaughn I would like to rent near the end of my life so my daughters won't have to deal will selling an estate or how to pay the property tax on our house. One of them could take over the lease if they want but I have tons of things to get rid of before we can downsize. And since we're raising our grandsons we have to consider their ages. They're 7 and 9 and we're 65.
+Tina Robinson shop at goodwill stores until you're debt free and can afford to redo your wardrobe. I've been debt free for 18 months now and I'm JUST getting a new wardrobe.
If your net worth is $50,000, then you shouldn't be watching a video on "How to Stop Living Paycheck to Paycheck". You shouldn't be living paycheck to paycheck to begin with. So either you're watching a video that doesn't apply to you OR you have a $50,000 net worth and you're living paycheck to paycheck, which if that's the case, I could have a negative net worth and still be in a better predicament than you are if I'm not living paycheck to paycheck but you are.
@@keamber.vaughn his is so real what you are saying but i would like you to tell people about God plan on tithing. when you get pay take out tithes and pay bills
Seriously never delete this video I plan on watching this at least two more times
Don't worry! I won't be deleting! I promise :)
My loved-ones say they can't relate to the people I love on RUclips. You are so real and down-to-earth that I feel you can appeal to people of ANY income class and education level. Your relatability says something about you as a person. Back to my binge-watching, note-taking, and implementation!
I really truly appreciate that! That's really the only reason why I felt compelled to start sharing my journey and knowledge on YT was to show people what they can do if they put their mind to it. And I try to do so in a way where I can appeal to all sorts of people. Although certain parts of my journey may not be relatable to others my goal is to be as relatable as possible :)
Nice to see financial advice from someone who looks like me who is also NOT flat broke because you managed your time and money well. Tired of advice from people who never seem to make any progress, but constantly tell others that they can make it!
I am learning from and throughly enjoying your videos.
+tvdavis Thank you so much! I really appreciate that! That was my whole point of making my YT channel. To put another person who looks like me in this space to show people what's possible. Too often "we" give up because everyone we see succeeding looks nothing like us!
TheRealCoachKe : Changing my thoughts and my habits in 2019! It makes no sense to earn so much, yet have so little (because I pay everyone else first).
+tvdavis it ALL starts in the mind. You can have all the strategies known to man but if your mindset isn't right nothing else matters! Let's make 2019 our best year yet! :)
Hi tvdavis. I am svdavis. I totally agree that we should divide the cost of an item by our hourly pay. Knowing how many hours you have to work to buy an item will make you reconsider buying it.
Love how she gets straight to the point and is very thorough in presentation
Great video & content!!! I calendarize my expenses and it has made all the difference. I also journal my urges to buy. I was spending emotionally (sad, lonely, bored). My debt payoff journey is rolling! Thanks for the inspiration 💪🏽
+Chiblie Coleman thank you!! I used to calendarize my expenses but not track them and although I wasn't a big spender tracking the expenses made a big difference especially during tax time. I no longer had to check all 12 bank statements for business expenses. I could just check my expense trackers month to month and look for that specific category lol
How is it going now? I could feel the enthusiasm.
Great strategy to think how many hours you need to work to buy something will definitely put things in perspective.
Absolutely! I think if more people did this, people wouldn't struggle so much financially. Just yesterday I saw an individual say they were working 90 hours a week to save to buy a $4,000 surround sound system. Amazing how much people really don't think about how much their purchase is REALLY costing them (labor).
It works great the other way around, as well. As a motivator when at work, and having a long day. Count that income pr minute, or every 2-10 minutes to where you find an even number, then add as you go along.
I'mm starting to use that strategy more myself in everything .
You tube
Great video. Nobody ever taught me about how to handle my money. I am so glad that you make videos like this. Thank you so much!
You're so very welcome! I wasn't taught much myself. I was taught the importance of good credit and thatttttt's about it LOL. Everything else I learned mostly on my own. Through my own experience. Trial and error. And some I learned on YT or at seminars I attended :)
We make our income tax work for us. He makes 20k a year. They take $300 in taxes before handing him his paycheck but our income tax is great. So we prepay all our ultilites, thousands gone bam. No more shut off notices. We lived in this house for over 5 years and know what the grand total of the ultilites run usually. Add in few hundred just in case and voila no worries. Also pre buy food. Stock pile freezer and cupboards. Save one grand of income tax money. All done. Now every month for once we can save money, knock down the 12k debt of vehicle payment faster, and live a little. Weekend State Park vacations for sure now. :)
yes yes yes!! Congrats!! It's all about finding what works for YOU and sticking with it!
That is a genius idea! Thanks for sharing
Love this idea!
Very important information! Thanks for sharing!
Girl I love you. Just subbed. You are speaking to my soul right now. I'm a college student that work 2 jobs put still find myself broke and struggling to save. Can you please do an updated version of this video.
Awwww I thank you so much!! :) I will put that on my list of vids to get done this month. Stay tuned :)
Hi Coach Ke, I am a new subscriber and I've watched all of your recent videos. I just got into watching older videos and I think the intro on this video is WAY better than your current one. This intro is better because you look much more professional and you tell your viewers about what qualifies you to give us advice.
Hey darlin! Thank you for that feedback! I guess I never really thought of it that way. I really just wanted something different for 1 and for 2 because I'm really sharing my personal journey from my own standpoint of going through it myself not from a professional standpoint (just like many other budgeters on YT). Maybe I'll keep my current intro for non-advice vids and put the professional/qualifying one on the advice type of vids. But I'll be doing a new intro soon as I'll be debt free and that'll be the "qualifier" off the top! lol
Thank you so much for this and for going straight to the point, I'm trying to improve myself this year and these tips are really helpful!
+Anahkiin you're so welcome!
Best advice ever !!!!!!!! Thank you 🥰🥰
I will be watching this video over and over . Until I get this knowledge
+Oscar Martinez learn and apply. learn and apply! :)
I really appreciate this video
This just cleared my head thank you so much!
+RandomGirl380 you're very welcome! Watch as many times as you need to to get the information embedded into your brain :)
Such a great video- I agree with all of the tips. I wish I had this information when I was younger. :)
+Tiffany K thanks so much! I think me following most of these since my early years has gotten me this far. I've learned alot in the last year of budgeting too!
I love your video...thank you for the advice!
+The Brinskey Kids thanks so much! I'm glad you enjoyed it! :)
Thank you for sharing! What are some good things to invest in?
You're more than welcome! There are many investments out there and what's good for some aren't good for others. I personally have money invested in bonds/stocks, cryptocurrency, ETFs, and the foreign exchange market.
Awesome info....thank you
+Barby Lee you're so welcome!
Amazing stuff! Thank you. But don't spend $10-$12 on a weekly calendar book at Target like you suggested - Dollar Tree and the 99 Cents Only store have them for a buck.
Yeaaaaah! Working on my habits and thoughts
+tawanda sangster mindset is EVERYTHING!
you need way more subs. youre awesome!
AWWW THANK YOU! I really just restarted this channel back in September of last year. I have like 1.1 Million watch minutes from popular/viral videos I made some years back. It was a entrepreneur tips, etc type of channel but when I restarted I didn't want to start all the way over so I kept my subs and just deleted most of my vids lol. I'm glad you're enjoying the content!
Yess!! Thank you for the sinking funds idea and how to do it.
You're more than welcome! They definitely help especially if you have trouble saving for big purchases or for a rainy day!
Exactly what I was looking for . Thank you very much 🙂
+Jennifer Almaraz You're so very welcome. Glad you enjoyed the content!
14:40 That's exactly what Dave Ramsey would say when it comes to money. So 💯!
absolutely!
First video and I'm hooked!
+natalie padilla Thank you!! I'm glad you enjoy the content!!
When counting how many hours it takes you to earn something, don’t forget that there are some hours that need to go towards the things like housing and food that you can’t choose not to buy. Also, there is a limited amount of hours you can work without killing yourselves, because there is time that needs to be spent sleeping and resting and taking care of your family.
Oh absolutely! People should take that into consideration with those things as well. I think if more people did they wouldn't be in such financial binds for so long. I know people who make $9-10 an hour yet buy $150 shoes once a month. Why? It makes no sense.
God made me find this video, Amen. I needed to hear this. THANK YOU
Awww you're so very welcome! I'm glad you received the value you were looking for!
Ty for ur excellent info...i am hooked
+Juanita Perez Nunez you're more than welcome! I'm glad you enjoyed the video! You can see me put many of these strategies to use with each week's paycheck to paycheck budget video as well as the monthly budget videos. Check em out if you haven't already! :)
I currently have a rainy day fund & about to start my emergency fund.
Great advice.
+Doreen : Lybrand thank you!
Great video!
+Paula Murrien thanks love!
@@keamber.vaughn subbie here!
@@choosetoshine2610 Awww welcome to the family!! So glad you decided to sub! :)
I avoid the paycheck & payments being lopsided, by paying 50% of each bill from each check. On occasion I have to pay a bill’s full amount because of how its due date and my pay date line up. This gives my budget more consistency with expenses and savings.
So I'm behind in my home payments. I'm currently paying it out. However should I still try to put monies to the side also?
You should put money aside, yes...BUT I believe you should get as caught up on your home payments as possible as the last thing you want is a foreclosure on your record/credit profile.
good video thanks for making it very helpful information. i was suffering with budgeting until i saw this video.
You're more than welcome! I'm glad you enjoyed the information!
great video queen
Thank you! :)
Great tips & great video👍 New subbie here 👋
excellent video.
Thank you!
TheRealCoachKe your welcome
Excellent. Thank you.💕❤️
Thank you for watching! :)
This is still relevant, a year later. 👍🏾
PREACH !!!
+spartalives I'm glad you enjoyed the video! :)
I agree with your tips of avoiding wasteful spending. For African Americans its not easy finding and earning income after the 1990's.
The era of the so called American dream is over. Personally I'm not a extremely wasteful spender all my $ goes to bills. Until we are able to tap into jobs with/without degree that yield a proper income most blacks will struggle.
Rent is at the cheapest $1000 I'm single and think a single person needs $1800 after taxes (in the south) to pay bills save and enjoy themselves within reason.
For blacks who are responsible please understand it is the past of slavery that has harmed you presently. We desperately need to be informed of companies hiring (not $12/hr) and trades that don't cost us a fortune to get. Blacks have great business ideas but will be denied for the loan versus a immigrant who will sell old produce in urban areas and get the loan. Please view tone talks channel and read the wealth data reports. I know I'm doing all I can in 24hrs without being gravely ill now or later in life 🙏.
I absolutely LOVE this comment. This is the very reason why I manage my finances the way I do. People act as though we have the best opportunity for growth in this world in this day and age and we don't. Which is why I tend to seize whatever smart opportunity comes my way!
This whole comment is nothing but truth.
I like your jeans reference... Make sense
I really try my best to break things down to the simplest form so that people can learn in practical/real life ways. It's important to meet people where they are and make things easy to understand. :)
What about if you are low income and your income will never increase and you don't get bonuses or tax refunds? I've already cut every bill I can and it doesn't seem to make any difference
Well first you have to get out of that mindset. Your income WILL increase if you do what you need to do for it to increase. You can't keep yourself in a mindset of lack and believe that things will change. Everything starts within the manifestation of the mind :)
If you think you can make more money , or if you think you can't make more money; either way you are right
Awesome!!!
Thanks for watching love!
I used to work at a financial institution as a loan officer and helped out an individual who actually made $34k A MONTH and still needed a loan. How absurd is that!
+Needing Less I know someone who used to make $34,000 a month, bought a $100k car ($40k down, $60k financed) and a year later was driving that same $100k car to pull up to a $10-12 an hour JOB. smh
Omg 34k a month that’s amazing
well. I do Not live paycheck to paycheck so i'm one of the 22 percent. I can't imagine it's that high of a percentage to be doing this. why do people spend all there money every payday , it boggles my mind.
It’s prespent usually. Payments.
Yes, this is a great concept when you make enough money. However, paycheck to paycheck does not equate to being able to save. .. sometimes people don’t make enough to even save. Has nothing to do with over spending.. just saying
What is. Sinking fund???
ruclips.net/video/rQMMQ7vxNcM/видео.html here's the video I did on that :)
I need a budget because I made 176,756 and that’s overtime
+Michael Relf LOL
End the cycle of insanity LPCTP!
My biggest expense is my wife. Even when I say, “Not now, please.”, means nothing.
+Ron L Idk how to help you with that one lol
20 years ago the tax rate was much higher.
I think I understand 40/30/30
+tawanda sangster you all will have access to a very detailed video very soon (within the next few days)
❤❤❤❤❤
+Amber Lema ❤
You must have a really cheap house if you're only paying 302 $400 a year for property tax.
+Celia Gorleski Nope. I don't have a house. We pay property taxes on our cars in my home state...that's what my property taxes are for, my car.
@@keamber.vaughn I apologize. In Texas we renew our license plates annuslly for about $60 per vehicle. I didn't realize it's considered property tax in some states. Just recently we paid property tax on our houses so that's all that was on my mind. I want to move to an apartment before I die so my daughters won't have to figure how to pay house prooerty tax when we're gone. Your presentation is very informative. Just wish I managed much better when I started working in 1975. I've been retired since 2007 on a disability. So income was cut in half. It's still a full pension and thankfully not Social security.
+Celia Gorleski it's all good! Alot of states don't have property taxes so people in those states always get confused lol. We have property taxes PLUS having to renew our plates every 1 or 2 years depending on which one you choose. Honestly I think as generations continue to be created less and less individuals will have the desire to be in a house because of the maintenance and trying to figure out property taxes. The younger the generation the more the desire to just live in apartments forever lol
@@keamber.vaughn I would like to rent near the end of my life so my daughters won't have to deal will selling an estate or how to pay the property tax on our house. One of them could take over the lease if they want but I have tons of things to get rid of before we can downsize. And since we're raising our grandsons we have to consider their ages. They're 7 and 9 and we're 65.
How many years do I have to live with my holy clothes. I can’t ever afford new clothes. My clothes are falling apart.
+Tina Robinson shop at goodwill stores until you're debt free and can afford to redo your wardrobe. I've been debt free for 18 months now and I'm JUST getting a new wardrobe.
No agree with no pay bills first… you paid your bills them save ,after use the rest to get stuff the you wants
I loveeeee your channel...(subscribed) Can you plz be my Mentor?
Whats your net worth? i tend to take advise from people having more than i do im currently at 50k
If your net worth is $50,000, then you shouldn't be watching a video on "How to Stop Living Paycheck to Paycheck". You shouldn't be living paycheck to paycheck to begin with. So either you're watching a video that doesn't apply to you OR you have a $50,000 net worth and you're living paycheck to paycheck, which if that's the case, I could have a negative net worth and still be in a better predicament than you are if I'm not living paycheck to paycheck but you are.
@@keamber.vaughn his is so real what you are saying but i would like you to tell people about God plan on tithing. when you get pay take out tithes and pay bills
+Grace scott I can't speak on that because that isn't something I do. I am not religious and if I was "tithing" wouldn't be in the form of MONEY.
@@gracescott9416 I am a believer in tithing. Thanks for reiterating this. Be blessed.
Great tips...but also thank goodness for Capitalism !!! we surely would suffer way more horribly if we lived with Socialism folks
So true! I don't think I'd like to live in a socialist society lol