My heating went out 2 days ago. I got it repaired today. The cost? $806.00 I am so glad that I keep a hefty emergency fund so I can write the checks when needed and not go into debt. Two months ago I had $800.00 in fence repairs. Same thing; I write out a check. When I was younger with no budget or much of a savings account, these kinds of repairs would have knocked me flat and did....often. And I was always broke living paycheck-to-paycheck. Having a budget is key, but so is saving money for life's lighting strikes. You just have to do it.
Yes, but if you think about it heat systems and fences are not really lightning strikes. Anyone who owns a house should have a fund for repairs. I’m glad you got ahead of it!
Glad you got some proper money! We all need that. And if 800 is a drop in the hat, how much do u have saved as an emergency fund btw? I am thinking 50k would be a solid FU savings so if anything comes up and or you loose your job and dont want to work for a good 1/2 a year, that would be perfect amount and then some wiggle rooms too
Five tips to stay under budget: 1) Add item to the cart and wait 2) Keep an intentional list of your needs. 3) Make sure you have money set aside in the budget. 4) check your motivation- why are you buying this item? 5) Create friction.
Easy, I never shop on line EVER. Put item on list. Eventually will get around to purchasing. I only purchase in store for cash. Know what that is called? Discipline. Parents don't teach that anymore.
As an etsy seller I'm seeing smaller orders this year. I've stopped myself from buying all be things I see by making a list of who I need to buy for and what I bought, and keeping it on my phone. I put where it is stored, bc I buy through out the year to not hurt us so much in the winter months. I have lost things before, especially when we moved. ♡ Best of luck everyone!!
I have a piece of paper for each family member. I write everything I’ve got for them, like you, where it can be found in house, then that item on paper gets a W by it when wrapped and under tree!!😂😂
@carolyncook6970 That is perfect! Very organized and you won't forget anything that way. The downside to buying all year is just finding things after a move. We are just now getting things from storage after 3 years!! My daughter has outgrown barbies and mini toys so I can't gift her anything from the 2 totes I found. Lol I'm selling them on mercari and getting her a few different things she actually wants. I decided a couple small items and stockings are all we are doing this year. Then we are setting aside money for one day of fun at a theme park or something of that sort. We don't go on vacations, we never have, so a day of fun is like a vacation to my children. We go for a walk in the woods and make smores on the campfire in the back yard. Lol Since we are having our smallest Christmas ever this year I only have 6 people to buy for so it makes it easy.
Replace gifts with a Christmas card that contains a hand-written, heart-felt personal message . 'chances are it will be be kept, appreciated and thought about at times - during the year .
@robertwalker5521 not for my non immediate family members. They aren't getting anything this year. Times are tough so I'm only buying for my immediate family of 6. I usually give a small gift and a few soaps from my shop but I just can't do it this year. We all agree. Maybe next year will be better. I'm hoping by Valentines and Easter things turn around and sales pick back up. ♡
Great video but I wouldn't add the purchase to the cart because you can get emails and targeted ads for it. I keep a note of stuff I want on impulse and revisit it - no cookies involved.
Some of us are spending more money because the cost of food has risen so high, and we are spending more on health care as we age. Some of us are pre-paying for our cremation ahead of time $5,000 just for one person's cremation. I have a 2012 Subaru and in the past three years I've put in 1) $3000 for an engine rebuild (This vehicle only had 98,000 miles on it so figured it was worth repairing during COVID when used cars were impossible to find) 2) $250.00 for a new battery 3) $1,600 for new rotors and brakes as well as an oil change 4) $1,000 for new tires.. money out, money out, money out!! In the past 6 years we needed a new furnace, new water heater, new a/c unit and new kitchen appliances.....
Cancelling Prime was incredibly "surprising" to us as we now in hindsight see how much we did and did not buy on a whim. It was too easy to think "I would be nice to have this" and then someone tosses it on your porch tomorrow. Now we put things in the cart and when we hit the free shipping threshold, we often take it back out of the cart because a few days later, we didn't really need it that much any way.
Can't go wrong being honest about your wants versus your needs. Do I want or need to pay for cable? Not as much as I want to save that money. I said this to myself $18,000 dollars in cable tv savings ago. I asked that question about a lot of things I used to spend money on which has put me in a position to be 100% debt free by 4/17/25 or sooner.
As someone who struggled for years with underspending, these strategies seem to work. I now purchase on impulse, don't budget, make it as easy as possible to buy online, and use a credit card for everything. That's helped me reduce my savings rate from 60% to 30% and have a more balanced, happy life.
Finally I no longer have a credit card! I canceled mine. It’s called cash or debit. I have to live within my means; not beyond my means by using a credit card!
2:44, which is why I have my always-on microphone on my phone turned off I don't use smarthome products at home (Alexa, Hey Google, RING), and I use adblockers so Google and other ad companies don't know what I'm constantly talking about so they can then in turn personalize me ads and try to entice me with that product on my screens every time. And that one click pay I've never done, I always still want that threshold so I'm sure I want to buy it yes or no. It shouldn't be too easy.
I don’t know how everybody is having so many problems. I own my own house. I paid 50% of it off in four years no car payment going to retire early and 51 years old. Been saving 15% for almost 30 years. And I only make 70,000 a year and I’m just perfectly fine.
I know Dave Ramsey doesn't want to hear this but if I have hundreds of dollars burning a hole in my pocket I'll buy a gold bullion coin and save it. I still bought something and the coin will increase in value over the years and I can sell it for more than what I payed for it.
We're at a massive disadvantage when it comes to being frugal. Multi billion or trillion dollar companies spend alot of time and money learning and marketing. They know how to prey on our emotions and needs to keep us buying more.
It's even worse when in the fall, we seem to get all our house tax bills, HOA yearly bill, MUD tax bill, & house insurance bill coming in this time of year (flood insurance bill comes in the summertime though) and also our 6 month car insurance bill is due now too.
I seldom buy anything online. I go to grocery stores with a handwritten list. I guess this is a new channel. She's obviously reading. A little more practice should cure that problem.
From $37K to $65K that's the minimum range of profit return every month I think it's not a bad one for me, now I have enough to pay bills and take care of my family.
i am not buying “more” . but buying lESS, as inflation is hurting everybody except the rich. i can not even afford food for the whole month. and i do not start up my truck except when i go see may mom once a week, (used to be twice, but can not afford the fuel).
It’s marketing. They are sponsored by businesses that they support and approve. They aren’t making anyone spend money but they are giving you info on something if you have room in the budget to pay for that then you now know about it. At least they’re not supporting other companies that are cut throat and don’t care about their consumers. I appreciate their marketing 🤷🏼♀️
My heating went out 2 days ago. I got it repaired today. The cost? $806.00 I am so glad that I keep a hefty emergency fund so I can write the checks when needed and not go into debt. Two months ago I had $800.00 in fence repairs. Same thing; I write out a check. When I was younger with no budget or much of a savings account, these kinds of repairs would have knocked me flat and did....often. And I was always broke living paycheck-to-paycheck. Having a budget is key, but so is saving money for life's lighting strikes. You just have to do it.
Yes, but if you think about it heat systems and fences are not really lightning strikes. Anyone who owns a house should have a fund for repairs. I’m glad you got ahead of it!
@@pnwflipper2089 Thank you for calling me out. Can't get anything past you. lol.
i feel it's peoples business how they choose to spend their own money. please stop preaching for once! thank u
@ Whatever you say, Donna. lol.
Glad you got some proper money! We all need that. And if 800 is a drop in the hat, how much do u have saved as an emergency fund btw? I am thinking 50k would be a solid FU savings so if anything comes up and or you loose your job and dont want to work for a good 1/2 a year, that would be perfect amount and then some wiggle rooms too
Five tips to stay under budget:
1) Add item to the cart and wait
2) Keep an intentional list of your needs.
3) Make sure you have money set aside in the budget.
4) check your motivation- why are you buying this item?
5) Create friction.
Thank you!!!
Love how you described the 2003 mall! Days gone by
“Go to Hollister, can’t breathe, can’t see”😂😂😂😂😂
😅😂🤣😭
I know right?!!!! 😂
Easy, I never shop on line EVER. Put item on list. Eventually will get around to purchasing. I only purchase in store for cash. Know what that is called? Discipline. Parents don't teach that anymore.
As an etsy seller I'm seeing smaller orders this year. I've stopped myself from buying all be things I see by making a list of who I need to buy for and what I bought, and keeping it on my phone. I put where it is stored, bc I buy through out the year to not hurt us so much in the winter months. I have lost things before, especially when we moved.
♡ Best of luck everyone!!
I have a piece of paper for each family member. I write everything I’ve got for them, like you, where it can be found in house, then that item on paper gets a W by it when wrapped and under tree!!😂😂
@carolyncook6970 That is perfect! Very organized and you won't forget anything that way.
The downside to buying all year is just finding things after a move. We are just now getting things from storage after 3 years!! My daughter has outgrown barbies and mini toys so I can't gift her anything from the 2 totes I found. Lol I'm selling them on mercari and getting her a few different things she actually wants. I decided a couple small items and stockings are all we are doing this year. Then we are setting aside money for one day of fun at a theme park or something of that sort. We don't go on vacations, we never have, so a day of fun is like a vacation to my children. We go for a walk in the woods and make smores on the campfire in the back yard. Lol
Since we are having our smallest Christmas ever this year I only have 6 people to buy for so it makes it easy.
Replace gifts with a Christmas card that contains a hand-written, heart-felt personal message .
'chances are it will be be kept, appreciated
and thought about at times - during the year .
@robertwalker5521 not for my non immediate family members. They aren't getting anything this year. Times are tough so I'm only buying for my immediate family of 6. I usually give a small gift and a few soaps from my shop but I just can't do it this year. We all agree. Maybe next year will be better.
I'm hoping by Valentines and Easter things turn around and sales pick back up. ♡
I do that a lot. I’ll buy something online and then let it sit in my cart for a while and then I either forget or just decide not to do it.
One of the reason the stock market is so high. Consumer spending! Keep it up
Great video but I wouldn't add the purchase to the cart because you can get emails and targeted ads for it. I keep a note of stuff I want on impulse and revisit it - no cookies involved.
Love your new haircut!
Some of us are spending more money because the cost of food has risen so high, and we are spending more on health care as we age. Some of us are pre-paying for our cremation ahead of time $5,000 just for one person's cremation. I have a 2012 Subaru and in the past three years I've put in 1) $3000 for an engine rebuild (This vehicle only had 98,000 miles on it so figured it was worth repairing during COVID when used cars were impossible to find) 2) $250.00 for a new battery 3) $1,600 for new rotors and brakes as well as an oil change 4) $1,000 for new tires.. money out, money out, money out!! In the past 6 years we needed a new furnace, new water heater, new a/c unit and new kitchen appliances.....
Wow, great content😊 Thank you!
Cancelling Prime was incredibly "surprising" to us as we now in hindsight see how much we did and did not buy on a whim. It was too easy to think "I would be nice to have this" and then someone tosses it on your porch tomorrow. Now we put things in the cart and when we hit the free shipping threshold, we often take it back out of the cart because a few days later, we didn't really need it that much any way.
Temptation and lack of control. Don't know how to say no or not right now.
This is sooooo true!!
I love being frugal and cheap
I’m learning how to be 😬
Good stuff!!!!
It’s has been always this way, you make a dollar and spend two
7:10 I can't find the 24 hour money finder
Can't go wrong being honest about your wants versus your needs.
Do I want or need to pay for cable?
Not as much as I want to save that money.
I said this to myself $18,000 dollars in cable tv savings ago.
I asked that question about a lot of things I used to spend money on which has put me in a position to be 100% debt free by 4/17/25 or sooner.
As someone who struggled for years with underspending, these strategies seem to work. I now purchase on impulse, don't budget, make it as easy as possible to buy online, and use a credit card for everything. That's helped me reduce my savings rate from 60% to 30% and have a more balanced, happy life.
Honestly I think the new flex is saving and investing.
Finally I no longer have a credit card! I canceled mine. It’s called cash or debit. I have to live within my means; not beyond my means by using a credit card!
2:44, which is why I have my always-on microphone on my phone turned off I don't use smarthome products at home (Alexa, Hey Google, RING), and I use adblockers so Google and other ad companies don't know what I'm constantly talking about so they can then in turn personalize me ads and try to entice me with that product on my screens every time. And that one click pay I've never done, I always still want that threshold so I'm sure I want to buy it yes or no. It shouldn't be too easy.
Great advice
This is all facts
Main reason is prices have to keep up with CEO and top executive payouts.
There's no other reason.
I don’t know how everybody is having so many problems. I own my own house. I paid 50% of it off in four years no car payment going to retire early and 51 years old. Been saving 15% for almost 30 years. And I only make 70,000 a year and I’m just perfectly fine.
Delete me cost??
Keep buying stock in Mastercard. Americans will never stop spending
Hey Rach, did you have a cold lately? You sound different in recent content
I know Dave Ramsey doesn't want to hear this but if I have hundreds of dollars burning a hole in my pocket I'll buy a gold bullion coin and save it. I still bought something and the coin will increase in value over the years and I can sell it for more than what I payed for it.
What is a cheese straightener? 🤔
Chi
Chi straightener, it's a hair tool
@@angelanemjo1209 yes I fully knew.
They are shopping online more things get delivered to your door now
We're at a massive disadvantage when it comes to being frugal. Multi billion or trillion dollar companies spend alot of time and money learning and marketing. They know how to prey on our emotions and needs to keep us buying more.
I hope other people are reporting these scam comments too
I do!
Same! I’m getting so sick of them!
Be a grown up. Make a budget. Don’t buy what you dont need unless you can afford it. 🤷♀️
Why that background noise ? It is so distracting and unnecessary
Inflation.
I think she is very pretty
@@denniskeough7522boobflation?
It's even worse when in the fall, we seem to get all our house tax bills, HOA yearly bill, MUD tax bill, & house insurance bill coming in this time of year (flood insurance bill comes in the summertime though) and also our 6 month car insurance bill is due now too.
I seldom buy anything online. I go to grocery stores with a handwritten list.
I guess this is a new channel. She's obviously reading. A little more practice should cure that problem.
theory the pandemic put a doom , we gunna die anyway mentality
From $37K to $65K that's the minimum range of profit return every month I think it's not a bad one for me, now I have enough to pay bills and take care of my family.
Please how do I go about it, am still a newbie on investment trading and how can I make profit??
Thanks to Mrs Charlotte Bate.
She's a licensed broker in the states🇺🇸
I'm surprised that this name is being mentioned here, I stumbled upon one of his clients testimony on CNBC news last week.
So nice to see Charlotte bate talked about here,her good works are speaking already, and like wide fire she's spreading.
i am not buying “more” . but buying lESS, as inflation is hurting everybody except the rich.
i can not even afford food for the whole month. and i do not start up my truck except when i go see may mom once a week,
(used to be twice, but can not afford the fuel).
Because stuff is more expensive…duh
Why always offering something that we have to pay for, but offering advice on how not to spend! 🙈Ridiculous!
It’s marketing. They are sponsored by businesses that they support and approve. They aren’t making anyone spend money but they are giving you info on something if you have room in the budget to pay for that then you now know about it. At least they’re not supporting other companies that are cut throat and don’t care about their consumers. I appreciate their marketing 🤷🏼♀️
And you are shlecking 11 products in RUclips video. What is the definition of hypocrisy….oh wait? You!!!
Hahhhaahahah I didn’t need to watch this video to figure out those questions