10 Money Moves I'm THANKFUL I Made!!!
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- čas přidán 10. 07. 2024
- Welcome to my MissBeHelpful channel!
In this video I share some of the changes that I made in order to save more money and get started on my plan to become financially free!
More from MissBeHelpful:
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Why I Changed the Way I Invest Money!!: • Why I Changed The Way ...
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My Top 5 TED Talks About Money: • My TOP 5 TED Talks Abo...
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Let’s connect:
PATREON: / missbehelpful
FACEBOOK: / missbehelpful
INSTAGRAM: / missbehelpful
BUSINESS INQUIRIES: Missbehelpful@gmail.com
’Til next time… PEACE!
My best money move has been finally getting banked. I made poor decisions in the past, got two accounts closed, a negative chex systems report and eventually black listed from many financial institutions. For years I handled cash only, usually paying large fees to cash checks and third party bill pay. I made myself feel better by believing I was moving contrary to sociteal norms, big Banks were criminal, blahzay blah. A few months back the whole #bankblack movement was trending which got me familiar with One United. More recently I discovered that they offer a U2 second chance checking. Lo and behold I secured that checking account with One United which prompted me to open a high interest savings with Discover. I identify with most of your list Yanely and I'm super excited for what's to come. I appreciate the value your giving. I'm riding with you!
Appreciate you! Your story is so important for others to hear - thank you for sharing that!!
*blase
What has helped me get control of my money is a no spend, period. I make it a point to pay my bills and reconcile my bank account every Friday. I pay the absolute maximum on my debt, until it is paid off. I don't purchase anything, unless I need it. I reuse everything. I use cash for everything. Being intentional with my money and saving allows me to sleep comfortably every night 🌙 😌 😴
"I dont gotta dance, i make money moves!" Im sorry, i had too XD
;P
The biggest part of starting early on retirement is that not only will you come out better, but its much easier. You can save at a much lower amount per month than us older folks and still be better off just because of the compounding over time..
Exactly! But when you're young and spending it all - every dollar seems like you need it for something else that you think you need. Been there done that and wish I hadn't!
Thank you. I just sent this to my daughter, who is 20. I hope she’ll learn from what you learned.
This is by far one of my most favorite videos you have made! I learn from all your videos and have shifted my mindset about being more financially literate and slowly building wealth!
Thanks for watching and commenting!
So awesome as usual... I truly enjoy your tips as I apply them in my life. Thank you!😊
You're welcome, Erica! Glad to hear it :)
This is so true, MissBeHelpful, Serious Tracking is a big part of Intentional Budgeting!
Happy Thanksgiving!
I just LOVE your simplicity honey so poised and eleqent! What a role model for so many!
Aww thank you so much!
THANK YOU!! KEEP GOING!!
Thanks! I appreciate that :)
Just so you know, .... you do a pretty good job on your videos and generally have great insights.
You definitely have a great personality and a really sweet way about yourself. KUDDOS !! :)
Thanks for watching and commenting!
I love your videos. I'm increasing my score with the cc usage tip that you gave. And using my 9% usage to chip away at some small debt. (It's a 2 for 1) And saving like a boss!
Go ahead girl! You better work!! Thanks for watching and commenting!
Congrats on the gains on credit score. I made a simmilar increase. I like your mention of a spending plan.I understand my habits and save more when i put more time into it.
Thanks for the comment!
good video u explained everything well...u have good discipline and KEEP working hard
This are great moves! Thank you 🙏🏼
Thanks for watching and commenting!
Thank you.
#10 is the best one, audible is my best friend besides CZcams of course. & This channel
Okay usually I'm like ok missbehelpfull looks good in her thumbnails but this thumbnail I was like 😍👏🔥👌. Thanks for reminding me that time is money.
Thanks! Time is money - yes!
Hello there Miss be helpful i like this video it is indeed helpful. God bless you and i hope that your thanksgiving is good.
Same to you! Thanks so much!
Your channel awesome!!! Thanks!!!
Thanks for watching and commenting!
808. Way to go girl. BTW, I watch and enjoy tons of You Tube channels. You’re the only one I have subscribed to. Take that for what it’s worth. I was very good with my money when I was young and it’s paying off now. But I wish I was as smart as you at your age. I would really be balling.
I only have 4 years with my first credit card, and I could have probably opened it early but didn't like the aspect of using money that wasn't really mine. I hate borrowing, but then I realized how important credit is when making large purchases, credit scores and such. Right now, I'm working on having 2 more for next year to have a grand total of 6, I'll probably apply for them after I finish buying my first house 😆😂 This sure is going to be an experience. Happy 2019 btw 😎😉
Everything from this woman is solid!
So credit Karma is where we should check our CC score? Does the bank give paper copies?
You are awesome!
Thanks Leo - I appreciate it!
Happy thanksgiving 🦃
Same to you!
Thank you la
Thank you!!!
This video is very informative.
Thanks girl! Glad you found it helpful!
Thank you thank you thank you
You're so welcome!!
i just got my first credit card being a sophomore in college and I started with a credit of 627, my father put me on his 20yo credit card as an authorized user and instantly im at 779
LUCKY!
Ok my situation is I just paid off my credit card I only have one, I’ve had it for 2 years (capital one). The entire 2 years I owed the limit and was paying only minimum. I recently just paid it all off and my interest rate is high 26.49% . I’m asking if I should open a new credit card with my credit union and cancel this capital one. Will it affect my credit? Does the length of the card matter at all? And I for sure know I will get a lower interest rates with my bank by 10%.
good stuff
Really enjoyed this video 💕 i am from South Africa 🇿🇦 and was surprised to hear though that people do not know of all their company benefits. Is that not a requirement from the company to inform them?
Nice advice
Love you mem
FROM INDIA
I love your eyes! 😍
big facts
Super helpful video! You mentioned that in 2 years you got your credit score up by over 200 points. Can you make a video or give me a quick lowdown on any specific plan you had to do this in that 2 year timeline?
Thanks from a fellow Dominicana :)
Yeah - great request!
What are some financial books you recommend?
I posted a video about this! Check it out - my top 5 books about personal finance from when I first started learning most of this.
Ah yes, the hoarding. Don't get me started LOL! Great video 😃😅
lol Thanks!
InstaBlaster.
Why did you stop? I loved your channel
Still post videos each week for my podcast! Tutorials coming back soon :)
When should you get your second credit card
When you need more credit. If you don't need it, don't get one :)
What a great video and you are very pretty.
You remind me of Angela from Power
#MissBeHelpfulLife🤙🏻🏄🏻, #MissBeHelpful4President2020🇺🇸
This is funny
What are your thoughts on credit unions VS banks?
Credit Unions offer lower fees and are in your best interest if you have a local one, but banks are more convenient locations - so depends on your needs. Thanks!
Thank you :)
\health savings only refer to western medicine???
👍👍👍
When I see my $100 credit card bill out of $1800 limit every month I'm like dang Im getting risky. I better pay this off and then I hear people say they have like thousands of dollars in credit card debt at age 23. I get scared for them? How do they live like this?
RIGHT!???
They dont have control of themselves. I also dont like to spend over $100 on my credit card.
It's a specific app you use to invest?
I invest with both Betterment and Wealthfront. I mentioned that I used to budget with Mint.
MissBeHelpful thanks!
I want to use good debt to make profits.I learned this off the book Rich Dad Poor Dad by Robert Kiyosaki.
Wow you was well aware of money at a early age
Great info; however, Credit Karma does not provide real credit scores.Thus, they can only be used as a guide or educational score based on Vintage score 3.0 ( no major lenders use this model). You have to pull your real scores from myfico.com or from a credit card issuer who offers free FICO scores like Discover for an example. One can have an 800 on credit karma and their real scores can be close, or 50-80 point difference. So, credit karma is fine for a guide and credit monitoring - but not for accurate credit scores, because it is not a FICO model. I will say Vintage 3.0 is very close to the old FICO 4 or 5 model which is still used for mortgages. It rates the last two years of credit history and collection accounts heavily.
Yeah, this is true! But since Credit Karma gets information from TransUnion and Equifax, two of the three major credit bureaus. VantageScore is a combo of all the information in your files with the 3 bureaus. Credit Karma uses VantageScore because they collaborate with the credit bureaus and FICO will not share score with anybody because that's like giving away your secret sauce!
Love you beautiful.
Suuuuuuuuuuubscribed.
🇩🇴🇩🇴🇩🇴 klok😂
Represent! Haha!
you're so beautiful
You don’t need credit like you think,
Here's an idea. Spend time finding a guy that has his shit together and loves you. Let him worry about money. You?
Have babies and have a wonderful life caring for those babies.
Hahaha