Ohhh hello and thank you so much! Sitting here listening to you feels like listening to myself - it’s a comfort to have some of my experiences reflected back to me by a total stranger. I had tried it all Mint, ynab , buckets, you name it I tried it. Do you mind sharing your system that stick for the last seven years?! That’s a huge success and I truly admire that 🎉🎉
I'm so glad this resonated with you! And definitely - I'm planning some follow-up videos very soon that detail my whole system but the short version is that I basically just custom-made my own spreadsheet 😆it sounds so lame but it's the only thing that's ever worked for me. I update it every day or two and track all my spending in there and for whatever reason, it feels much more intentional than any of the apps ever did and I think because I made it for my exact situation, I actually stick to it! And it only takes a minute or two to update every few days so it still feels easy 💜
Thank you so much for your reply! It’s really insightful to know that ultimately what allowed you to actually take control was the simplest method you tired 😅 newly subscribed and looking forward to that video in the future!! Take care ❤
Like you, I was also able to move out of my living situation with my ex within 1-2 weeks and still overlap rents for 2 months. It was so expensive but better peace of mind to get out of a bad situation.
I always love your comments, it feels like we have so many similarities in our stories! I hear you - 30s have been playing major catch-up and I feel like I'm in a way better place now. But wow things would be very different if I'd even just put a couple hundred bucks a month toward retirement in my 20s 😅
Hey. I liked your video. I am 27 and I had the same thoughts you had months ago and I knew that I needed a change in my life for a successful retirement. I am following Dave Ramsey’s baby steps and I am currently on baby step 2. I am just wondering what strategy are you using?
I used debt snowball back when I was paying off debt and now my approach is super simple, I just track all my spending in a good old spreadsheet that I put together myself and essentially do a zero based budget. More videos to come on it soon :) Congrats on getting things together and best of luck with the baby steps!
I totally agree. Even if kids aren't going to absorb or care about every detail, I still think it's important to plant those seeds early. I feel like if you showed a bunch of 18-year-olds a compound interest graph, it would actually change some lives. And good teachers will find a way to make things interesting to kids (I say this as a former HS teacher that had to convince teenagers that mitochondria were interesting 😅)
Hi! New subscriber here :) First of all, I think you've been doing a great job, I can tell :D You have to have that aha! moment. Some ppl never do. For me, it came when I was living at my hotel job for a year. I had dreams of doing the rv or van life. But then I got myself into a long term relationship out of state, which I did move for. And actually, it's turned out really well. So I'm good now, but I do still have that tiny burning thought in the back of my head about travelling. I've been to other countries throughout my life, and it's definitely so freeing in the best of ways. But now I'm in my savings Era. My best financial life era. & I think that's ok, too. I have that Fu fund, it's a great fund, btw. To explore job opportunities and heaven forbid, if my relationship ever went south. We're both pretty happy though. But, I was in those shitty relationship situations in my mid 20's & that just didn't work out for me. It's all about security, I think. Even the credit score.....I know it's controversy but its better to have it than not to have it. I dont need a co-signer anymore, for starters. So what I do....is I pay myself first every paycheck. I live on under 1k a month in expenses. But ofc, I make more....though not much at only $15/hr. Still, I make do. I learned the skills to be frugal, make my meals at home, coffee...all the good stuff. But I pay myself first. 50% & more goes straight into my savings account. I have different folders for each sinking fund & I use cash envelopes as well. Recently, I reorganized my finances for 6 months in advance & put the money in their slots. & that's that, we dont touch it. I even gave myself $500 of "Splurge" Money....but now that I see it's there, I dont wanna spend it LOLOLOL. So I've done that. I pay for my expenses 6 months/a year in advance for the discounts. Or I keep the money in a folder and pull it at the end of the month. We all have our ways but you gotta find YOUR trick. Sorry this is a book, but I love talking about money. I'm gonna do this for a little more then look into investments by next year. My next goal is to buy a 5 acre piece of land. Then look into an investment property....and I'm kind of considering low key on starting a book store around here, since we don't have one.....much to my chagrin. Anyway. Again, sorry this was so long But maybe someone can see it can be done. You have to make it happen for yourself, bc no one else will
Ohhh hello and thank you so much! Sitting here listening to you feels like listening to myself - it’s a comfort to have some of my experiences reflected back to me by a total stranger. I had tried it all Mint, ynab , buckets, you name it I tried it. Do you mind sharing your system that stick for the last seven years?! That’s a huge success and I truly admire that 🎉🎉
I'm so glad this resonated with you! And definitely - I'm planning some follow-up videos very soon that detail my whole system but the short version is that I basically just custom-made my own spreadsheet 😆it sounds so lame but it's the only thing that's ever worked for me. I update it every day or two and track all my spending in there and for whatever reason, it feels much more intentional than any of the apps ever did and I think because I made it for my exact situation, I actually stick to it! And it only takes a minute or two to update every few days so it still feels easy 💜
Thank you so much for your reply! It’s really insightful to know that ultimately what allowed you to actually take control was the simplest method you tired 😅 newly subscribed and looking forward to that video in the future!! Take care ❤
Like you, I was also able to move out of my living situation with my ex within 1-2 weeks and still overlap rents for 2 months. It was so expensive but better peace of mind to get out of a bad situation.
Yes it's so worth it, your peace is mind is worth everything!
I didn’t start really saving til I hit 30 and boy do I regret that. I’m pretty well off now at 39 but I wonder if I’ll ever have enough to retire.
I always love your comments, it feels like we have so many similarities in our stories! I hear you - 30s have been playing major catch-up and I feel like I'm in a way better place now. But wow things would be very different if I'd even just put a couple hundred bucks a month toward retirement in my 20s 😅
Hey. I liked your video. I am 27 and I had the same thoughts you had months ago and I knew that I needed a change in my life for a successful retirement. I am following Dave Ramsey’s baby steps and I am currently on baby step 2. I am just wondering what strategy are you using?
I used debt snowball back when I was paying off debt and now my approach is super simple, I just track all my spending in a good old spreadsheet that I put together myself and essentially do a zero based budget. More videos to come on it soon :) Congrats on getting things together and best of luck with the baby steps!
Buy the house, or the townhouse. You’ll be old one day and you don’t want to pay rent. Plus it allowed me to be a stay at home Mum. X
Love that you used to live in Bangkok and you don't regret it haha :P
Bangkok was amazing! So much love for Thailand ☺
It's too bad they don't teach financial literacy in high school. I could have benefited from it when I was 18.
I totally agree. Even if kids aren't going to absorb or care about every detail, I still think it's important to plant those seeds early. I feel like if you showed a bunch of 18-year-olds a compound interest graph, it would actually change some lives. And good teachers will find a way to make things interesting to kids (I say this as a former HS teacher that had to convince teenagers that mitochondria were interesting 😅)
It was if you took family studies, or personal finance in your math class choices.
Hi! New subscriber here :) First of all, I think you've been doing a great job, I can tell :D You have to have that aha! moment. Some ppl never do.
For me, it came when I was living at my hotel job for a year. I had dreams of doing the rv or van life. But then I got myself into a long term relationship out of state, which I did move for. And actually, it's turned out really well. So I'm good now, but I do still have that tiny burning thought in the back of my head about travelling. I've been to other countries throughout my life, and it's definitely so freeing in the best of ways.
But now I'm in my savings Era. My best financial life era. & I think that's ok, too. I have that Fu fund, it's a great fund, btw. To explore job opportunities and heaven forbid, if my relationship ever went south. We're both pretty happy though. But, I was in those shitty relationship situations in my mid 20's & that just didn't work out for me.
It's all about security, I think. Even the credit score.....I know it's controversy but its better to have it than not to have it. I dont need a co-signer anymore, for starters.
So what I do....is I pay myself first every paycheck. I live on under 1k a month in expenses. But ofc, I make more....though not much at only $15/hr. Still, I make do. I learned the skills to be frugal, make my meals at home, coffee...all the good stuff.
But I pay myself first. 50% & more goes straight into my savings account. I have different folders for each sinking fund & I use cash envelopes as well.
Recently, I reorganized my finances for 6 months in advance & put the money in their slots. & that's that, we dont touch it. I even gave myself $500 of "Splurge" Money....but now that I see it's there, I dont wanna spend it LOLOLOL.
So I've done that. I pay for my expenses 6 months/a year in advance for the discounts. Or I keep the money in a folder and pull it at the end of the month.
We all have our ways but you gotta find YOUR trick. Sorry this is a book, but I love talking about money. I'm gonna do this for a little more then look into investments by next year.
My next goal is to buy a 5 acre piece of land. Then look into an investment property....and I'm kind of considering low key on starting a book store around here, since we don't have one.....much to my chagrin. Anyway. Again, sorry this was so long But maybe someone can see it can be done. You have to make it happen for yourself, bc no one else will
A "nephew fund" ir an FU. fund?