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Thank you for your Review! I would have loved to see a Review on the Timio Player. It definitely similar and different enough to deserve its own Review ❤ we love our @Timio. It goes really well hand to hand with our Tonie Box and its perfect for our bilingual family

Something I do when I get the urge to spend (my weakness is nice stationery…) I give myself a limit of say £10. That way I satisfy the urge but keep the spending in check. It’s something Alvin Hall said many years ago!

My dread is the two weeks before pay day.

Great tips and info. However, one thing to note... 9:12 $10,000 is absolutely a life changing amount of money for lots of people.

1. Treating yourself doesn't have to involve money. There is so much amazing things around us that are completely free . We don't need to deprive ourselves while saving for our big goals. 2. The phrase " I deserve it" is such a fallacy of thinking. Yeah, you might deserve that subway, but don't you also deserve a healthy body? Emergency fund or own house? 3. Budget is a must.. you can't see if you're succeeded in you plan if you never made a plan . 4. Plan for the things not going to plan.

Such great wisdom shared!

I’m regularly saving into an ISA and SIPP hoping to be able to retire by aged 55 once my buy to lets are also cashed off (fingers crossed). In the meantime got to graft for the next 20 years

genius idea, give them a book.

In this tablet CZcams is available?

With you saving money is fun!

I'm trying to build an emergency fund now

My son just hit 3, and he did have some delay, but he is doing much better now. I have had to go on leave from work to help my mother prep for her surgery and post surgery, and now we are about to start potty training for real as my prior work schedule did not give me real time to devote to it. Once i run out of the reserve of diapers, that's it. I can't wait till he can go. 🙏🏻

Its been my goal this year to build up my emergency fund (mix of percentage of wages, cashback sites and side hustles) and this month I've finally hit my target. I feel like now I can relax a bit and let it continue to gain interest. I feel so relieved to not have the pressure on myself anymore to build it up

I love trolley app.

Plastic Double Bread Bag for Cat Litter........I am So on it 🐈🍞🐈

You are such a great motivation!!

Great video! I asked for recommendations on one of my fb groups and this mop came up time and again. Your video has clinched the deal, thank you! 😊

I have a £1k buffer in my current t account and £20k split between premium bonds and my ISA.

Android/Amazon are just unusable (stutter/lag wise)...

YESS SAMSUNG IS BANNED 🚫👎

Emergency fund as full as possible , more than 30000€ for me 😊

I always keep $1000 in my safe for immediate access and the rest of my emergency fund in a high yield savings account

I remember being so hopeless 😩 when I didn’t have any money to replace my water heater and my credit cards were maxed 😢that was my wake up budgeting moment. Not perfect but I’m glad I started saving up and learned how to live a frugal lifestyle

Great video Vicky 🥰. My biggest tip is to ignore or at least take Best Before dates with a pinch of salt. Unless it’s meat or poultry I generally use the sniff test. But this is particularly relevant for dried stuff. I’d never serve it up to guests, but for myself and my partner we’ve eaten dried unopened stuff that’s 2 years old and it was fine and we were NOT sick afterwards. So use your judgment 😊

I find writing what I h as be in my savings accounts on a simple piece of paper and having it by my home work computer so seeing it grow and the reminder that I’m doing it, is such a motivator and prevents wasteful spending xx

Thanks for your videos Vicky. I love that you have have an encouraging and warm nature because for some people (and used to be me) can find this very scary. So thankyou for helping people in a non judgmental way xxx

This year I started putting around £45-£50 per month for Christmas. It’s great to see how it’s grown. I should have around £500. We don’t have many presents to buy and my other half and I don’t really spend on each other - we prefer to spend our money on experiences 🥰and our food bill doesn’t really go up so that will be nice to have that there 😊. Thanks Vicky xx

Mad that these common sense money management points even needs saying, I'm always astounded!

Your tips are soooo great

Such a good video!

😮😊Yeah

Super smart tips here! 🙌

Love the video, great advice!

I love your videos thanks lovely lady xxx

This is excellent! I really appreciate the app information. I didn’t know you could use ChatGPT for recipes! Awesome. New subscriber.

Bravo for you for encouraging reusable period products. Oh my gosh, it’s so awful that period products have to be taxed. by reusing, it gets women totally out of the market of buying them again and again.

If I make food mkids or grandkids want more they get ity

Thank you Vicky. I love your videos.

My advice to everyone is this : if you want to grow big this year especially in your finances. Be willing to make investments. Saving is great but investing puts you on a pedestal where you wouldnt have to worry about savings as you do now. Thanks to larysa Caba, my portolio is doing really great and im proud of the decisions i made last year.

You joke about not having kids, but it's a fact. For 80% of average people (in the US) we cannot afford to have kids because of how bad the economy is. For the majority it is an extreme detriment to financial stability. I have 3 kids and it's insane how much it costs. Diapers, wipes, formula, food, entertainment. Paying for 5 people instead of 2 is crippling. Yes I should've wrapped it up but honestly most 18 year olds should just get a vasectomy for their future stability. And I wish this route of thinking would get pushed more for people in their teens.

I like the daily amount concept, very interesting!

I think period underwear has PBAs or something toxic in it. No thanks.

Buy and invest in quality over quantity. You will replace quality pieces less often or never. Who wants to buy a cheap frypan or cheap shoes every single or even a few times a year. Crap furniture, or clothes, forget it And no, you don't have to buy the most expensive either. Sometimes these can be found thrifting or on Facebook.

Rather than chatGPT, I use Supercook when I need to use up random ingredients. I prefer having complete recipes that have been tested by humans; the comments sections are usually very good for evaluating how easy the recipe is to follow, whether the seasoning is too heavy or light, and any other adjustments that might need to be made to suit your tastes.

Regarding kids, the real question is not whether you can afford them, but rather whether you prioritize them. My siblings and I grew up in extreme poverty with our dad in prison during most of our childhood and our mom doing manual labor, but she always prioritized us with whatever little resources we had, and educated us on the importance of dedication and perseverance. Today, my brother is an oncologist, my sister is the owner of an AI-IT company, and I'm a scientist. So, yes, raising children does cost a lot, but if anyone had told my mom she could not afford her kids, she would have laughed at them.

I have shopped at thrift store in the US, which are charity shops there. I enharrited Waterford crystal and i was able to purchase 2 wine glasses in my pattern for $0.69 each. Online I save like $74 each. So I am all about saving money anyway I can!

I am a millionaire and have never owned a luxury item in my life, I don’t care at all what others think of me. I’d much rather spend my money on a memorable vacation 😊

Good advice! I am currently selling stuff I don't need to clear space and gain funds. I actually wonder if I would be considered a 'proper woman' by some, having just one handbag that came from a charity shop, not owning anything fashionable and not caring about it.

Ten years ago, people often asked why we didn't have kids. When I told people we couldn't afford kids, they laughed at me. I sometimes wonder if some of those very people are the ones queuing at food banks. It is a very good reason not to have kids: I was bought up in poverty. Don't have kids if you really can't afford them.

Great advice