For anyone that needs encouragement, At the end of this month I will have paid off my third credit card. I began this journey this past July. My fourth and last card is the largest and will take me the entire 2025 to pay off. I don’t feel too bad, bc this card carries work I had to get done on my house. But I’m determined! Keep going, do not let debt rule you!
This is a good budget for January!! You are doing amazing job! 😊 Very inspiring. I need all the encouragement I can get.😊 Please don't let the incident with the sales manager get to you. Please don't quit, obviously you are doing a great job if other team members want you to stay. Plus the income can help you pay off your debt sooner. Think about it some more before you make a final decision. I enjoyed watching this video. Thanks
You continue to amaze me with your discipline! Paying off debt over here too...driving old vehicles and living in a small house. Enjoying less stress! Keep it up!
Your videos are so helpful to me. I really appreciate your honesty. I’ve always had my accounts at a credit union because of exorbitant bank fees. Even the credit card and loan interest rates and fees are cheaper at credit unions. Also, I buy an Amazon gift card at the beginning of each month for the amount that I have budgeted for the month. This practice has drastically reduced my Amazon impulse buying.
If you view your RUclips money as "monolopy money" you could just play the game well and put it all now on your carpayment or other debt 💁♀️🙌🙏😀 You are doing great!
I kind of took a similar approach to “acting like it doesn’t exist” and “living on less” these past few months, too! It’s been working well, and I actually saved $2500 last month! Now if I can just keep the momentum going throughout the year. That’s the difficult part, though 🙈
I agree that you should cancel your music subscription. It's not a big amount but you don't seem to use it much. About your You tube Monopoly money and your bigger side hustle money, I understand that you don't want to plan with this money in mind, in case it disappears. But you do have it, so why don't you throw it at your car debt at the end of the month (as a bonus payment, not as your normal payment)? You would be done sooner. Or wait for your Lyme disease bill to come in, pay that, and then put the rest on the car debt. :) I don't know why but I'm really invested in your debt payment journey! haha
Just curious but why are you not planning to use your savings/ RUclips money to pay off the car early? Seems like you could be debt free within 1-2 months max and then start aggressively saving for retirement after? I only wonder this because your income is so high that you could cover unforeseen circumstances/ emergencies as they come. Super excited at your progress you are so freaking close!
RUclips has a free sound library. It's not great but if you take a bit of time to browse it's perfectly good for some use here and there. Recently I got a short flagged even though I thought I used royalty free music so I changed it directly in YT from their library in about 5 minutes and even tho I like the original more, it's perfectly satisfying.
good girl always look at statements from banks. They are always charging you for things. Good that you changed banks. Love to hear your progress. Sincerely, Katy
Hi, I love yoir videos. I do a zeeo based budget. If you put maybe a line item as buffer that will then give you zero. So, it's about them same as what you're doing except the zero includes a buffer or extra money. It helped me alot.
Hi thank you for being so transparent… it’s a learning process for everyone 👍 I would not treat my you tube money as “monopoly money” just sitting there! What a waste, I would open a Mutual fund/ S&P 500 it would make great interest just don’t touch it. A loyal follower from New Bedford 🐳
On your RUclips money…I would wait until you file your 2024 taxes since you’ll get a 1099 for it, but whatever is left taxes, maybe put that towards your car?
I love the idea of acting like some of the money doesn't exist and not adding it to your budget. I support that! Especially if it's a variable income. Totally agree about the music, we're not here for the ambience haha :-D I feel like your budgeting has become leaner ☺ Btw what do you use to record the screen/video where you insert yourself alongside the budget?
From experience, I say Epidemic Sound isn't worth it (especially if you don't use much of it for your typical videos). RUclips audio library does the trick.
Yep I was duped by the RP app as well. It’s not a good layout. I use Caliber which is ok and usually they have discounts. Glad for you to be debt free soon!
I have similar spending habits to yours and your videos have really helped me. I’m not someone who is just going to give up everything to get out of debt, you’re one of the only people in a similar situation and mindset actually putting themselves out there. And while it’s none of my business and I should stfu, why you living with a man, paying for dates and offering to pay bills with no ring. Girl!
@dbalemon we decided as a family to buy only for the children this year. We all just have too much stuff and spend a lot of the new year releasing clutter. I really want to refocus Christmas on family time and traditions instead of purchases.
Signed up for Simplifi at a discount. Figuring out my set up. Wish it had the debt payoff included. I like “stuff I forgot” category. Is the AAA recurring or $61 fee for annual roadside maybe?
Or she can get on a family/friend/her boyfriend’s AAA account. My friend is on mine once my mom quit driving, much cheaper than having two, like a phone plan.
@@dbalemonmy video has a box in the top left hand with a notice. I took screenshots but YT doesn’t allow pic comments. I’ll email to you if you’d like.
@@dbalemon Hi Elle, I noticed this too. It came up on the mobile YT site with details about portions of this video being synthetically enhanced using AI? Which is odd as yours are pretty much as authentic as you can get! Appreciate your videos, thank you!
Wow! US salaries are waaaay higher than in the UK. I'm literally penny pinching in comparison to your income. I'm not sure the app you use would work for me...I'll have to investigate that. Great progress though - congrats x
@@dbalemon Not really - the average wage in the UK is just shy of £30K, which I think is around $37K US. Cost of living is horrendous here and so many people living on the poverty line. I have no savings and sometimes can't pay for food ...
Nooooo - UK and US used to be approximately equal in wealth per person until about 2005, and since the 2008 financial crisis the UK has totally flatlined for nearly 20 years. The US has grown substantially in that time. These kind of saving rates that this lady is aiming for are absolutely unheard of in the UK, unless you have zero rent due to living with family.
I use Quicken Simplifi, the link is in my video. Other popular ones are YNAB and Monarch. They’re all different and offer different ways of budgeting so you may have to try a few.
$2000 for an MRI scan...?!?! AND you have Private Health and have to pay a Deductible?! I just can't even with your Health Care sytem over there... 😳 I have to have a Mammogram & Ultrasound as well as a trip to my Oncologist (I had breast cancer 4 years ago) and that will set me back MAX about $250. America - do something about the Healthcare Industry over there!
I initially learned through RUclips videos but throughout the years I’ve taken courses, listened to podcasts, and watched videos to stay on top of it. It’s really hard to get it until you start doing it.
I'm just curious why you don't use affiliate links. You could make a little extra on RUclips, and your subscribers won't care because they will be saving a few dollars. Most subscribers are very happy when folks we watch do well on RUclips. Thanks, until next time.
My Quicken Simplifi link is affiliate but I prefer not to use anything else at this point. I’d rather not suggest something unless I wholeheartedly believe in it and as of right now, nothing falls into that category. But love the comment, thanks so much for your suggestion.
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For anyone that needs encouragement, At the end of this month I will have paid off my third credit card. I began this journey this past July. My fourth and last card is the largest and will take me the entire 2025 to pay off. I don’t feel too bad, bc this card carries work I had to get done on my house. But I’m determined! Keep going, do not let debt rule you!
Great job! I’m working extra hard this year to get my mortgage paid off. We can do it!
Wow! Awesome work! You’re so close! You can do it! 🎉
Awesome!!
This is a good budget for January!! You are doing amazing job! 😊 Very inspiring. I need all the encouragement I can get.😊
Please don't let the incident with the sales manager get to you. Please don't quit, obviously you are doing a great job if other team members want you to stay. Plus the income can help you pay off your debt sooner. Think about it some more before you make a final decision. I enjoyed watching this video. Thanks
Always have a guaranteed job to go to before you quit any job, even the most horrible job.
You continue to amaze me with your discipline! Paying off debt over here too...driving old vehicles and living in a small house. Enjoying less stress! Keep it up!
That’s awesome, congrats!
Your videos are so helpful to me. I really appreciate your honesty. I’ve always had my accounts at a credit union because of exorbitant bank fees. Even the credit card and loan interest rates and fees are cheaper at credit unions. Also, I buy an Amazon gift card at the beginning of each month for the amount that I have budgeted for the month. This practice has drastically reduced my Amazon impulse buying.
If you view your RUclips money as "monolopy money" you could just play the game well and put it all now on your carpayment or other debt 💁♀️🙌🙏😀 You are doing great!
Great point, that’s likely what I’ll do 😊💛
@@dbalemon or put it in your high yield savings account!
@@dbalemon for my 2 cents, defo the car payments.
I signed up for simplifi and have set a budget this month! 🎉 thanks to your videos!
That’s amazing! So happy to hear!
I kind of took a similar approach to “acting like it doesn’t exist” and “living on less” these past few months, too! It’s been working well, and I actually saved $2500 last month! Now if I can just keep the momentum going throughout the year. That’s the difficult part, though 🙈
That’s amazing congratulations!
Working on your impulse buying takes a minute. But I am so glad you are noticing sooner than later! Good job!
I agree that you should cancel your music subscription. It's not a big amount but you don't seem to use it much.
About your You tube Monopoly money and your bigger side hustle money, I understand that you don't want to plan with this money in mind, in case it disappears. But you do have it, so why don't you throw it at your car debt at the end of the month (as a bonus payment, not as your normal payment)? You would be done sooner. Or wait for your Lyme disease bill to come in, pay that, and then put the rest on the car debt. :) I don't know why but I'm really invested in your debt payment journey! haha
Great tip. I’ll likely wait until I pay the taxes on it, then put on my debt 💛
@@IsabelleBOUCHARD-n4s me too. Always so excited when new vid drop to see El's progress.
Happy New Year! You have come so far in your journey. Cannot wait for the debt free video in May
Thank you! 💛
I wanted to add that you are super encouraging!
Thanks so much 🩷
You are doing great! So inspiring and motivating! Happy new year ❤
Thank you! 💛
Just curious but why are you not planning to use your savings/ RUclips money to pay off the car early? Seems like you could be debt free within 1-2 months max and then start aggressively saving for retirement after? I only wonder this because your income is so high that you could cover unforeseen circumstances/ emergencies as they come. Super excited at your progress you are so freaking close!
I likely will do that once I pay taxes on it. Thanks so much for asking, good question.
@ that definitely makes sense!! Thanks for answering
RUclips has a free sound library. It's not great but if you take a bit of time to browse it's perfectly good for some use here and there. Recently I got a short flagged even though I thought I used royalty free music so I changed it directly in YT from their library in about 5 minutes and even tho I like the original more, it's perfectly satisfying.
Good to know, thank you.
good girl always look at statements from banks. They are always charging you for things. Good that you changed banks. Love to hear your progress. Sincerely, Katy
Thanks so much 💛. Amazing that it took me decades to start reviewing bank statements and transactions.
Hi, I love yoir videos. I do a zeeo based budget. If you put maybe a line item as buffer that will then give you zero. So, it's about them same as what you're doing except the zero includes a buffer or extra money. It helped me alot.
Hi I love ur videos they are so real love it
Hi thank you for being so transparent… it’s a learning process for everyone 👍
I would not treat my you tube money as “monopoly money” just sitting there! What a waste, I would open a Mutual fund/ S&P 500 it would make great interest just don’t touch it.
A loyal follower from New Bedford 🐳
On your RUclips money…I would wait until you file your 2024 taxes since you’ll get a 1099 for it, but whatever is left taxes, maybe put that towards your car?
Yes great tip, that’s likely what I will do to accelerate pay off.
This is so helpful!!! Thank you so much!!
Thank you!💛
Please, no music. I absolutely despise the music they make you use. It’s like fingernails on a blackboard.
I love the idea of acting like some of the money doesn't exist and not adding it to your budget. I support that! Especially if it's a variable income. Totally agree about the music, we're not here for the ambience haha :-D I feel like your budgeting has become leaner ☺ Btw what do you use to record the screen/video where you insert yourself alongside the budget?
Thanks! I screen record on my iPad and use CapeCut to edit.
Yes please no music and thanks for sharing this update and the apps you use. Happy new year ❣️
Thank you 💛
From experience, I say Epidemic Sound isn't worth it (especially if you don't use much of it for your typical videos). RUclips audio library does the trick.
Agreed, I’ll try it out next month.
Your videos are very informative.
Thanks so much!
Yep I was duped by the RP app as well. It’s not a good layout. I use Caliber which is ok and usually they have discounts. Glad for you to be debt free soon!
I’m using the strong app right now which just lets you track your sets and reps but will check out Caliber.
I really enjoy and appreciate your videos....keep it up! Also, you look lovely, your hair looks great and more natural which looks best imo😊❤
Thank you 💛
I have similar spending habits to yours and your videos have really helped me. I’m not someone who is just going to give up everything to get out of debt, you’re one of the only people in a similar situation and mindset actually putting themselves out there. And while it’s none of my business and I should stfu, why you living with a man, paying for dates and offering to pay bills with no ring. Girl!
Lol, I get it but he’s a keeper and I’d prefer to split everything 50/50. I don’t want any reliance on another person.
Yes I think one song in a video is totally fine
Happy New Year. Thanks for your video! What’s the name of the lollipops?
I would love to know the lollipop name. Love your content thank you
They’re called Hoodia Power Pops. Unfortunately they’re often sold out. Right now Root Beer is the only in stock flavor.
@ thank you!
Why are you paying expenses for your job? Your main job? You are a W2 employee, right? Your employer should be paying for work expenses.
Yes you’re actually right. I should be expensing it.
👏👏👏, well done El.
Thank you 😊💛
Keep that extra income, throw it toward your debt❤
Yep, that’s what I’m going to do 💛
Did you skip Christmas buying this year?
I only gave one gift and it was cash. The deeper I dive into personal finance, the more useless gift giving and receiving feels.
@dbalemon we decided as a family to buy only for the children this year. We all just have too much stuff and spend a lot of the new year releasing clutter. I really want to refocus Christmas on family time and traditions instead of purchases.
Signed up for Simplifi at a discount. Figuring out my set up. Wish it had the debt payoff included. I like “stuff I forgot” category. Is the AAA recurring or $61 fee for annual roadside maybe?
Awesome, let me know how it goes. Not sure if it’s reoccurring, I need to check it out tomorrow.
$25/mo for a maintenance fee?! That’s highway robbery for sure!!
It really is, crazy…
Does your insurance have towing coverage? Do you need AAA for $61?
Or she can get on a family/friend/her boyfriend’s AAA account. My friend is on mine once my mom quit driving, much cheaper than having two, like a phone plan.
So wait, what aspect of this video was synthetically enhanced???
Nothing was synthetically enhanced. Why do you ask that?
@@dbalemonmy video has a box in the top left hand with a notice. I took screenshots but YT doesn’t allow pic comments. I’ll email to you if you’d like.
Plus there’s a whole paragraph and a link for more info about synthetically altered videos and what it means below your info on this video
@@dbalemon Hi Elle, I noticed this too.
It came up on the mobile YT site with details about portions of this video being synthetically enhanced using AI? Which is odd as yours are pretty much as authentic as you can get! Appreciate your videos, thank you!
Hi can I ask one question please
You seem like ur very disciplined with money have u been that way for a long time
Wow! US salaries are waaaay higher than in the UK. I'm literally penny pinching in comparison to your income. I'm not sure the app you use would work for me...I'll have to investigate that. Great progress though - congrats x
Thanks so much. That’s interesting, I always thought US and UK were comparable.
@@dbalemon Not really - the average wage in the UK is just shy of £30K, which I think is around $37K US. Cost of living is horrendous here and so many people living on the poverty line. I have no savings and sometimes can't pay for food ...
Nooooo - UK and US used to be approximately equal in wealth per person until about 2005, and since the 2008 financial crisis the UK has totally flatlined for nearly 20 years. The US has grown substantially in that time. These kind of saving rates that this lady is aiming for are absolutely unheard of in the UK, unless you have zero rent due to living with family.
If you don’t want to touch or don’t count on RUclips money as advice you can use that money for investing 😉
You might be better off just buying two or three songs and cycling them rather than paying per month!
What is a good budget app that you would suggest
I use Quicken Simplifi, the link is in my video. Other popular ones are YNAB and Monarch. They’re all different and offer different ways of budgeting so you may have to try a few.
Thank you ! Can I say one thing please
Can I ask one question please
Ur really disciplined with ur finances have you been that way for a long time
Sent you an email. Hopefully this time I was sending on correct one.
$2000 for an MRI scan...?!?! AND you have Private Health and have to pay a Deductible?! I just can't even with your Health Care sytem over there... 😳 I have to have a Mammogram & Ultrasound as well as a trip to my Oncologist (I had breast cancer 4 years ago) and that will set me back MAX about $250. America - do something about the Healthcare Industry over there!
I am also in marketing. Did you take courses on doing paid ads?
I initially learned through RUclips videos but throughout the years I’ve taken courses, listened to podcasts, and watched videos to stay on top of it. It’s really hard to get it until you start doing it.
I'm just curious why you don't use affiliate links. You could make a little extra on RUclips, and your subscribers won't care because they will be saving a few dollars. Most subscribers are very happy when folks we watch do well on RUclips. Thanks, until next time.
My Quicken Simplifi link is affiliate but I prefer not to use anything else at this point. I’d rather not suggest something unless I wholeheartedly believe in it and as of right now, nothing falls into that category. But love the comment, thanks so much for your suggestion.
Why isn't your RUclips income in high yield savings account?
I know it needs to be I just haven’t made the switch yet.
I really want to learn more about how you find these side jobs for clients. I have a valuable skill set but don't know where to start.
I wish I had more advice, any side work I get is word of mouth and one client is my previous employer.
Planned spending $1500? That won’t even pay my mortgage.
Hi! Planned spending is separate from fixed bills like rent, car, insurance etc.
music isn't worth it.