I have registered on your free course : transform your money mindset. I'm done and i have received my certificate of completion. this of one of my best decisions so far this year. God bless you. I'm summarizing the lesson to share with my husband.
After listening to the nine steps you have suggested I believe I'm doing at least 5 of them. What your advice does secures me in that I'm doing the right thing. Just in a month and a half I put a substantial amount into my saving. Where I was behind on my bills I'm now 1 to 2 weeks ahead, but it took approximately 5 months to get there (especially in times as these.) As of today I have reached my emergency fund. At 60 you are wiser learning from the past not purchasing anything and/or everything you want. Be appreciative with what you have and growing from there. You don't necessarily have to work harder, but you definitely have to work smarter. At 60 there isn't a lot of time left, so focus on your health and your finances. Doesn't mean you have to become a hermit or a scrouge. Thanks for your teachings. I'm thinking of doing "weather Wednesday" seems challenging.
I hit rock bottom..I had no car, no place, no savings, and no job. I have a job now, still sleeping on a couch, no car, $1000 in savings, $ 700 in 401k. I just take it one day at a time.
You will make it you are working don't give up, baby steps one day at a time stay focus ,not having a car will help you save more, no insurance and car maintenance but when the time is right you will get there so proud of you !!🥰
I am so glad I've found a recent vlog. I'm a 60 year old male literally starting over. I've made comments on a couple of your videos and have found them not just inspiring but do-able. My goal for 2022 is to save $10,000. I have already started with restarting my 401-k, and getting debt relief from FDR (Freedom Debt Relief), which is working beautifully. My car payment and utilities are all in check. I make approx. $35,000/yr. just recently I was able to save $600 to apply to an emergency fund. I'm going to be using your instructions as a baseline for my financial goals. For some reason you make me feel accountable (in a good way). Thank you so much and keep doing what you're doing. God Bless!
That's wonderful! Glad the name (Clever GIRL finance) didn't deter you! When hubs and I started seeing each other, the first thing we asked each other was for financial habits. It wasn't to compare what both of us had gotten out of, but to ensure we were on the same page and that we weren't getting the same issues in different packaging 😂. We have bi-weekly money dates (aside from regular dates), revamp personal and couple goals, and have no issue w laying out any shortcomings. We have had more debt free vacays & staycays, paid off debts, bought & paid OFF vehicles & home in our brief union (close to 7 yrs now/known each other for 39) than either of us had in the 20+ yrs of either of our marriages 😮 I've been called so many names it used to hurt my feelings so bad (El Cheapa The CheapQueen, Ms. ScroogeMiser, SkinnyFlint, Nickledean, you name it) But Frugal and cheap are different though. I buy quality at the lowest price and make sure it's made to last. Right before my Exodus, I finally said the one thing NO ONE could call me was broke👊🏾 Packed up & haven't regretted a thing. ~Best to you on your journey!🎉
Quitters don't win and winners don't quit. No matter what you do, keep moving and know that starting investment earlier in life is the key to building wealth. Always invest with the right approach and opportunity.
Crypto is currently one of the best and profitable market to invest in but I prefer to diversify my portfolio which i think is wise, my opinion and understanding though.
I've experienced a great deal of heartache and embarrassment for my financial mistakes. I have no one to blame, and you've encouraged me start over. That's what I must do. I'm sure I can draw more strength from your works. Thanks a lot.
I’m starting over, I’m excited. I had to show the most high gratitude first, forgive myself for the mistakes and claim my 2022 as a great financial year!😊❤️
Yes I had to start over on my saving account. So emergencies happened and I bought a lot of courses that ai wish I wouldn't have bought. So I learned that I was impulsive and I have to pause before I buy
I'm 65 years young 🌱 saving is one of the most challenging thing for me. With a limited fits income, getting a part time job is one of my goals. Yes I'm starting over please help me.
Not starting over but in starting this new year definitely revisiting my immediate, short term and long goals after getting a small raise! I will be creating a budget, putting my goals on my vision board that I see every day for daily reminders and yearly goals, as well as consistently checking my bank account weekly and setting several "No Spend" challenges this year. While a lot of terrible things have happened during the pandemic, one good outlook for me is that I spend a lot less since I am at home so much more often! No more expensive Uber/Lyfts to dinner or drinks with friends, and eating out $20-$30 for one meal, or happy hour drinks a few times a month! All that adds up. Putting all that money into my savings, and Facetiming with a glass of wine, reading, or watching movies in a watch party instead.
Being able to forgive yourself for poor money choices or habits can be hard but it's ultimately liberating. Having done it, drawn a line & moved on, I've come up with my own financial plan & have taken the massive (for me) step of setting up a RUclips channel based around cash stuffing, budgeting & debt pay off. Whilst it absolutely terrifies me to do it, I know that it will help me to hold myself accountable & motivate me to succeed.
Oh! I'm so glad I found you! Things are desperate here, but I am encouraged by your expertise and forgiveness approach. Thank you! I'll be reading all your helps! Grateful from Elizabeth, Illinois 😃
This is a thoughtful piece and I must say that your genuineness has earned some great points. I will put your words to work and see where I can get to by the 1st half of this year. Thank you for all you do.
Hi I started following years ago when you're just starting out did not keep it up and I'm paying for that now, I should be enjoying life now. It's my own doing I'm taking complete responsibilitiy for my situation. I'm ready to get on track and get the tools to learn and implement a new mindset.
Forgiving yourself myself is hard..I want to move forward but continue you look back and what if myself to death...its exhausting and keeps me stunted.. It's definitely time for a new mindset. I am going to hold on to Gratitude.
Thank you so much for offering this advice. Forgiving myself is the perfect lace to start, learn from my mistakes and move forward. ** I’m not always sure where I’ve made mistakes “blind spots “. Can you suggest a good way to really understand where I went wrong? ** I’m also grateful for all of the free courses. It gives me hope just finding you!
OMG this spoke volumes to me the self sabotage. I completed real estate school back in July 2021 and have not scheduled my exam due to fear if failure. I'm on it 2022 is my year 🙂!!
Thank you for your videos and website. I need to forgive myself and start doing a budget Money Plan and stick to it. I’m a single woman so I need to figure the right budget and I have started a side hustle business because I don’t make enough. I also got to track my spending and set some financial goals. I want to retire in three to five years but working on doing it in three hopefully.
December got me, if you haven’t already a holiday budget would be great. I did one but the holiday guilt, and “it’s the end of the year” made me lose focus and self sabotage. Thank you
You are a voice or reason, really grateful your alive. Loved this video, have watched many others but this one really resonated with me. I am going to be a lot more interactive. You have sound principles and the right attitude.
I've got a part time job but its hard to stay motivated to work, after working my full time job. I'm hard on myself for my mistakes and not feeling competent with my finances.
This is very good advice. I am understanding where I am now. I need to have emergency savings, want to invest in I bonds and increase my credit score. Thanks for the great advice. I will check out more of your videos and website.
Hi Bola, thank you for this video and happy new year for 2022. I have $10,000 in disposable income and would like to invest the funds long-term to benefit my 13 year old son. Any suggestions would be appreciated. Thanks again and continue uplifting our community.
Start with looking at your income versus your expenses. Write down everything you spent last month and everything that came into your account last month. Then see where you have spent the most unnecessarily and see if you can cut that down in future months. Then try writing a budget x
What steps are you taking to improve your finances? Share in the comments and thanks for tuning in!!
I have registered on your free course : transform your money mindset. I'm done and i have received my certificate of completion. this of one of my best decisions so far this year. God bless you. I'm summarizing the lesson to share with my husband.
I increased my TSP account 2% more!
After listening to the nine steps you have suggested I believe I'm doing at least 5 of them. What your advice does secures me in that I'm doing the right thing. Just in a month and a half I put a substantial amount into my saving. Where I was behind on my bills I'm now 1 to 2 weeks ahead, but it took approximately 5 months to get there (especially in times as these.) As of today I have reached my emergency fund. At 60 you are wiser learning from the past not purchasing anything and/or everything you want. Be appreciative with what you have and growing from there. You don't necessarily have to work harder, but you definitely have to work smarter. At 60 there isn't a lot of time left, so focus on your health and your finances. Doesn't mean you have to become a hermit or a scrouge. Thanks for your teachings. I'm thinking of doing "weather Wednesday" seems challenging.
P
Awesome
I hit rock bottom..I had no car, no place, no savings, and no job. I have a job now, still sleeping on a couch, no car, $1000 in savings, $ 700 in 401k. I just take it one day at a time.
You will make it you are working don't give up, baby steps one day at a time stay focus ,not having a car will help you save more, no insurance and car maintenance but when the time is right you will get there so proud of you !!🥰
Progress is progress! And you wil motivated the people around you :) trust me!
One day at a time is how to do it! You are making PROGRESS!
Don't give up. You're making progress!
it's 2 years later, where are you now? I want ton know that there is light at the end of the tunnel
The hardest part is to forgive yourself when your poor decisions and actions have hurt those closest to you.Thank you… these are great tips!
Thanks for sharing and tuning in!!
I am so glad I've found a recent vlog. I'm a 60 year old male literally starting over. I've made comments on a couple of your videos and have found them not just inspiring but do-able. My goal for 2022 is to save $10,000. I have already started with restarting my 401-k, and getting debt relief from FDR (Freedom Debt Relief), which is working beautifully. My car payment and utilities are all in check. I make approx. $35,000/yr. just recently I was able to save $600 to apply to an emergency fund. I'm going to be using your instructions as a baseline for my financial goals. For some reason you make me feel accountable (in a good way). Thank you so much and keep doing what you're doing. God Bless!
Thanks for the Comments. Much appreciated
Feel free to Text✍️ I have something profitable for You..!!
That's awesome, keep up the great work!
Keep going! 🙌🏾
That's wonderful! Glad the name (Clever GIRL finance) didn't deter you!
When hubs and I started seeing each other, the first thing we asked each other was for financial habits. It wasn't to compare what both of us had gotten out of, but to ensure we were on the same page and that we weren't getting the same issues in different packaging 😂.
We have bi-weekly money dates (aside from regular dates), revamp personal and couple goals, and have no issue w laying out any shortcomings.
We have had more debt free vacays & staycays, paid off debts, bought & paid OFF vehicles & home in our brief union (close to 7 yrs now/known each other for 39) than either of us had in the 20+ yrs of either of our marriages 😮
I've been called so many names it used to hurt my feelings so bad (El Cheapa The CheapQueen, Ms. ScroogeMiser, SkinnyFlint, Nickledean, you name it)
But Frugal and cheap are different though. I buy quality at the lowest price and make sure it's made to last.
Right before my Exodus, I finally said the one thing NO ONE could call me was broke👊🏾
Packed up & haven't regretted a thing.
~Best to you on your journey!🎉
Quitters don't win and winners don't quit.
No matter what you do, keep moving and know that starting investment earlier in life is the key to building wealth. Always invest with the right approach and opportunity.
Good words.
There's no two ways about this information.
Anita you are right, some people remain poor due to ignorance.
Crypto is currently one of the best and profitable market to invest in but I prefer to diversify my portfolio which i think is wise, my opinion and understanding though.
I know I'm blessed to have a mentor like expert Jeffrey Matthew. My outcome from fx has been lucrative courtesy of his system.
I've experienced a great deal of heartache and embarrassment for my financial mistakes. I have no one to blame, and you've encouraged me start over. That's what I must do. I'm sure I can draw more strength from your works. Thanks a lot.
Thanks for the Comments. Much appreciated
Feel free to Text✍️ I have something profitable for You..!!
I’m starting over, I’m excited. I had to show the most high gratitude first, forgive myself for the mistakes and claim my 2022 as a great financial year!😊❤️
I need to learn how to budget and sticking with. I really don't like the feeling of living paycheck to paycheck
Yes it’s a trap and I’m desperate to find away out
Start with her baby steps and cut back on unnecessary spending, I paid off 10,000 credit card in 17 months
Yes I had to start over on my saving account. So emergencies happened and I bought a lot of courses that ai wish I wouldn't have bought. So I learned that I was impulsive and I have to pause before I buy
You can do it! Thanks for sharing and tuning in!
Yes, my mom used to say the price of the lesson learned will save you much in the future :)
@@adamarlem9863 yes it sure will. Learned definitely learned
@@MsChristianr the tough lessons stick :)
I'm 65 years young 🌱 saving is one of the most challenging thing for me. With a limited fits income, getting a part time job is one of my goals. Yes I'm starting over please help me.
Its ok to start over! Stop by clevergirlfinance.com / we have tons of free resources to support you!
Not starting over but in starting this new year definitely revisiting my immediate, short term and long goals after getting a small raise! I will be creating a budget, putting my goals on my vision board that I see every day for daily reminders and yearly goals, as well as consistently checking my bank account weekly and setting several "No Spend" challenges this year.
While a lot of terrible things have happened during the pandemic, one good outlook for me is that I spend a lot less since I am at home so much more often! No more expensive Uber/Lyfts to dinner or drinks with friends, and eating out $20-$30 for one meal, or happy hour drinks a few times a month! All that adds up. Putting all that money into my savings, and Facetiming with a glass of wine, reading, or watching movies in a watch party instead.
Thanks for the Comments. Much appreciated
Feel free to Text✍️ I have something profitable for You..!!
I loved the recommendation to forgive myself for past mistakes. That’s my first step. Thank you!
Being able to forgive yourself for poor money choices or habits can be hard but it's ultimately liberating. Having done it, drawn a line & moved on, I've come up with my own financial plan & have taken the massive (for me) step of setting up a RUclips channel based around cash stuffing, budgeting & debt pay off. Whilst it absolutely terrifies me to do it, I know that it will help me to hold myself accountable & motivate me to succeed.
Thanks for your encouraging videos! Happy new year everybody! Wishing you all and your loved ones the bestest of health and happiness! xx
Oh! I'm so glad I found you! Things are desperate here, but I am encouraged by your expertise and forgiveness approach. Thank you! I'll be reading all your helps! Grateful from Elizabeth, Illinois 😃
This is a thoughtful piece and I must say that your genuineness has earned some great points. I will put your words to work and see where I can get to by the 1st half of this year. Thank you for all you do.
Thanks for the Comments. Much appreciated
Feel free to Text✍️ I have something profitable for You..!!
Thank you, Bola! Your video inspired me to get started on my book. My mantra: No fear. No perfectionism💃🏿🥳
You're so welcome! and so glad you've gotten stated!!!!
I am startingbover. I have several bills in collections on my credit report and have to rebuild my savings. Thank you for the great advice
You can do it!
Hi I started following years ago when you're just starting out did not keep it up and I'm paying for that now, I should be enjoying life now. It's my own doing I'm taking complete responsibilitiy for my situation. I'm ready to get on track and get the tools to learn and implement a new mindset.
Thanks you so much and be blessed for this
Forgiving yourself myself is hard..I want to move forward but continue you look back and what if myself to death...its exhausting and keeps me stunted.. It's definitely time for a new mindset. I am going to hold on to Gratitude.
Thanks for the Comments. Much appreciated
Feel free to Text✍️ I have something profitable for You..!!
Thank you so much for offering this advice. Forgiving myself is the perfect lace to start, learn from my mistakes and move forward.
** I’m not always sure where I’ve made mistakes “blind spots “. Can you suggest a good way to really understand where I went wrong? **
I’m also grateful for all of the free courses. It gives me hope just finding you!
Love the drop the Self Sabotage-- as personal drama and attention getter. Yes, boring is good, no draining energy.
Thanks for the Comments. Much appreciated
Feel free to Text✍️ I have something profitable for You..!!
I got a raise & my finances got worse. I began "treating" myself too much. I am starting over now & dropping the shame!
Thank you for the point of starting over ♥️♥️♥️
Thank you for being here!
Hi Bola, I’m trying to have a positive mindset, curb my spending and stick to my budget 😄. Thanks for this 😍
Thanks for the Comments. Much appreciated
Feel free to Text✍️ I have something profitable for You..!!
This is a blessing to me God bless...
Thank you for watching and for being a part of the community.
OMG this spoke volumes to me the self sabotage. I completed real estate school back in July 2021 and have not scheduled my exam due to fear if failure. I'm on it 2022 is my year 🙂!!
Thanks for the Comments. Much appreciated
Feel free to Text✍️ I have something profitable for You..!!
Great advice as always! Thanks so much!
Thank you for your videos and website. I need to forgive myself and start doing a budget Money Plan and stick to it. I’m a single woman so I need to figure the right budget and I have started a side hustle business because I don’t make enough. I also got to track my spending and set some financial goals. I want to retire in three to five years but working on doing it in three hopefully.
December got me, if you haven’t already a holiday budget would be great.
I did one but the holiday guilt, and “it’s the end of the year” made me lose focus and self sabotage.
Thank you
Maybe pick names and/or set a limit. Good luck.
Clever Girl !!
Yes Yes thank you!!
I really messed up
You are a voice or reason, really grateful your alive. Loved this video, have watched many others but this one really resonated with me. I am going to be a lot more interactive. You have sound principles and the right attitude.
Thanks for tuning in! Glad this helped!
Thank you madam the topic come at the right time thank you for this looking foward to start over without fear and shame
Thanks for the Comments. Much appreciated
Feel free to Text✍️ I have something profitable for You..!!
Love it, great advice. I needed a reminder of all this
Thanks for being here!
This clever girl has really propped me up in the area of Self sabotage!!
I thank GOD for your channel, every advice makes perfect sense,thank you ❤🇿🇦..what an informative channel. forgive and work your plan ..wow
I've got a part time job but its hard to stay motivated to work, after working my full time job. I'm hard on myself for my mistakes and not feeling competent with my finances.
Thanks for the Comments. Much appreciated
Feel free to Text✍️ I have something profitable for You..!!
Thank you. Happy New Year
Happy New Year!
Am looking for a side hustle so that can start earning money saving and invest
I'm starting all over again
And that’s perfectly fine! You’ve got this!
Happy New Year and thanks for your information 😊
Thanks for tuning in!
Good Bola for newest videos
This is very good advice. I am understanding where I am now. I need to have emergency savings, want to invest in I bonds and increase my credit score. Thanks for the great advice. I will check out more of your videos and website.
I love your videos these are so motivating and so many great tips! I definately want to start implementing these this year ☺️ thanks again!❤️
Thanks for the Comments. Much appreciated
Feel free to Text✍️ I have something profitable for You..!!
Thank you very much for this enlightenment. God bless you.
Thanks for the Comments. Much appreciated
Feel free to Text✍️ I have something profitable for You..!!
Thank you🙏🏾
Love all the way from Kenya!! I am learning!! Thanks
Thanks for the Comments. Much appreciated
Feel free to Text✍️ I have something profitable for You..!!
Thank u ❤️ do u do personal advice?
Happy new year, Bola! 🥳
Happy New year!!
Ah-mazing..
Loving ur videos
👏
Thanks for good topic
Starting a side income, naming it cfguganda.. i am serious, i am already networking.
Great video!!! I really needed this
Thanks for sharing this Bola
Thanks for the Comments. Much appreciated
Feel free to Text✍️ I have something profitable for You..!!
Hi Bola, thank you for this video and happy new year for 2022. I have $10,000 in disposable income and would like to invest the funds long-term to benefit my 13 year old son. Any suggestions would be appreciated. Thanks again and continue uplifting our community.
You go, girl!
Start paying bills on time❤😎
👋
Hi where would you suggest to start or keep an emergency fund?
Thanks for the Comments. Much appreciated
Feel free to Text✍️ I have something profitable for You..!!
Great content face your fear 😨
What can I do if keep on overspend every month?
Thanks for the Comments. Much appreciated
Feel free to Text✍️ I have something profitable for You..!!
Should you pay all your debt off before you start over?
You can start over and have a debt repayment plan in place.
How can you start over on low in come at age 50?🤦♀️😒
Thanks for the Comments. Much appreciated
Feel free to Text✍️ I have something profitable for You..!!
Start with looking at your income versus your expenses. Write down everything you spent last month and everything that came into your account last month. Then see where you have spent the most unnecessarily and see if you can cut that down in future months. Then try writing a budget x