Make Saving Money Fun! | Build a Wish Farm in YNAB
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- čas přidán 30. 01. 2020
- 2021 Update! There's a new video that walks you through the easier process of creating your Wish Farm! Check it out here: • My Trick to Buying Eve...
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Whether you were born a penny-pinching saver or president of the Treat Yo’ Self Society, we all need a little guidance when it comes to knowing when buying in the name of “fun” is our best choice. YNAB’s Wish Farm will give you a tangible strategy to save for that dream coat, new countertops, or riding lawn mower with 100% responsibility and 0% guilt.
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Happy Day! 🌻 Hannah just released an update to this video. Building a Wish Farm in YNAB is easier than ever! czcams.com/video/eUnr1Qm0WQY/video.html
i know im asking randomly but does anyone know of a way to log back into an Instagram account..?
I was stupid lost my password. I appreciate any assistance you can offer me!
@Elijah Santiago instablaster =)
@Cayden Xzavier thanks so much for your reply. I got to the site on google and I'm trying it out atm.
I see it takes a while so I will get back to you later when my account password hopefully is recovered.
@Cayden Xzavier It did the trick and I finally got access to my account again. I am so happy:D
Thank you so much you saved my account !
@Elijah Santiago No problem :)
I hope YNAB put her salary in the budget because she’s a keeper
Haha! Yes, we definitely have a HANNAH category in the budget. 😂 - Ashley
BIG VICTORY, Y'ALL: After a fair amount of financial reprioritizing (hello life!) and knowing I could find a better deal with patience and more google searches, as of today the blanket ladder has been acquired. Found the PERFECT one at half the price. SO, what's a wish farming girl to do?! Did she reprioritize those extra saved dollars to something else more wise or responsible? Nope. She bought two. She straight up just bought two. BLANKET LADDERS FOR EVERYONE.
-Hannah :)
Hannah - congrats on your blanket ladders!! Also, consider getting refurbed electronics r even looking on Craigslist. You can save SO much by getting something used. And even if you spend the same amount for used, the quality you'll get will be higher. Good luck on your wish farm!
I saw in your latest video that you got one, that’s so exciting!!
Lol, I have no idea what a blanket ladder is, but I'm imagining it's like a rope ladder for getting up into a bunk bed or something... but softer on the feet.
Ha ha! I had to Google blanket ladder when you mentioned it, I had visions of blankets attached to the ceiling to form some sort of ladder swing situation! 😂 oops 😂
Who is this lady? She's really funny.
You can find more of Hannah's videos in this playlist - czcams.com/play/PLq0_N-XTl2yBbkXjvf_0768CFDTUblw0E.html! Thanks for watching! - Ashley
8:37- Update! We recently changed how deleting a category works. Now when you delete a category you will have the option to move the transactions and the budgeted money to a new a category. Because of this, we suggest simply recording your purchase directly into your wish farm category. Then, if you want to tidy up your budget after you make your purchase, you can delete that category and reassign the transactions and budgeted amounts with just a few clicks. Easy peasy.
Hello Hannah! Could you please make an update video showing this process? I am from Poland and do not fully understand this instruction :( I am more of a visual person!
Thank you, I am at my 34-days trial (its my 3rd day) and I will definitely buy a yearly subscription. YNAB is a game changer!
This is SO much better, I'll even use this feature on purpose similar to the wish farm
Had to watch a second time because I was too entertained the first time to pay attention and learn something. Would watch her all day everyday.
Yeah. They need to hire her again and give her a pay rise.
We love hearing that! Hannah is so funny! 🌻 - Ashley
"...this is a fake plant..." definitely made me LOL. I really enjoy the personality that you bring to these videos Hannah!
sent this to my wife... then realized i am going to end up with a blanket ladder. i'm okay with that.
😂 Haha! Blanket ladders for everyone! - Ashley
What the heck is a blanket ladder??? 😳
@@TheJazzzter I have one. They’re amazing haha
Honestly Hannah has made budgeting seem so much more fun than I could have imagined. I'm so thankful for the my friends who told me about YNAB and at 31 years old, I'm ready to finally master my monayyyy!
Gurl, MASTER than monayyyy!! We LOVE that! It's never too late to get started, and we're also never old enough that we'll simple have it "all figured out." I love this community because of the transparency and encouragement that exists here! We're cheering you on, and can't wait for you to get even further into your budgeting journey! It's worth it.
-Hannah 🌻
Her comedic timing is brilliant. Thanks to HAnnah and YNAB I’m getting the hang of my budgeting.
Thanks for making this vid and for making it fun to watch 😆
What I learnt was the last step, moving the saved money to an existing category to bill the transaction to. I keep saving money for a single purchase and then having to 'hide' the category once I've bought it even though I'll likely never buy it again so I don't loose the transaction history. Now I know to just move the money first! Thank you!
I came here to say the same. Super helpful!
Y'all knocked it out of the park with your choices of people to do videos. I'm not sure this girl's name, but her and Ashley are exceptionally engaging, warm, and likeable. Keep up the good work. By the way are you hiring 😉
Edit: it's Hannah. Love her.
K P, you just made our week! Thank you so much! - Ashley (& Hannah too 😄)
This is annoyingly clever. Like a really clever way to just update your wish lists rather than impulse buying. I have a huge impulse problem and this can work wonders for me.
Love the tip about moving the budget to a regular category when you are ready to make the purchase and then renaming the category to the next wish.
ngl i had to google blanker ladder to know it was it and... it's literally a ladder.... for blankets
I never heard of a blanket ladder till I watched this video. Now I got to have one.
Hannah is great at presentation. I know that there are more than just her on the YNAB channel but I am only watching her videos because she holds my attention and does a great job at explaining them. I also like her idea about the wish farm, planning to implement it soon. Thanks Hannah and YNAB!
I only watch Hannah too! LOL
These videos with Hannah are the best YNAB has put out yet. Keep these up, thanks for the inspiration!
So glad she kept the watering can and her laptop in separate scenes!!!!
She is absolutely hysterical. LOVE HER VIDEOS!!
I think it is important to have an Emergency Fund prior to starting a Wish Farm. Put the safety net in before buying the trapeze! I don't know if that was a sample budget you were using but I didn't see any kind of emergency saving category. I may have missed it. just my 2 cents
It’s in other videos. This just addresses how to do a “wish farm.” I’ve never heard of it before and it certainly helps picturing sinking funds for “like to haves” this way (in addition to teaching people to prioritize their wants).
Interesting to see the different ways people use YNAB. Instead of a Wish Farm, I have a section called Specific Items where I budget for any specific items I need/want. Once purchased I move the item to a Retired section. That way nothing gets deleted.
I never knew what a blanket ladder was. Never even heard of it. But now that I've googled it, I know I'm going to want one (so many blankets in my house). Guess that's going to go on my own wish list.
I really liked the tip on re-purposing your Wishlist item once it's fully funded. I could never figure out the cleanest way to wrap up a category that is no longer needed without messing up past transactions. Thanks Hannah!
Another gem - especially the last segment about how to manage money when you've reached your goals.
This is a brilliant idea. Cheers for that Hannah.
Q: where can I get one of those YNAB stickers for my laptop? 🙂
SAME! I would like one too please!
I have a homemade blanket ladder. Buy 1x2's at the lumber store and a couple screws. Voila! A medium goal is now a small one! Seriously, I had Home Depot cut the wood for me and it was less than $20 for all the supplies.
If you have issues maintaining your budget -- i.e. you haven't learned to budget realistically and/or change your lifestyle to match your income -- you might want to add a rule for yourself that the wish item has to be fully funded _at the end of the month_ before you're allowed to move the money and spend it. That way, if you bust a category and are out of other categories to borrow from, you can Rule 3 your wish item(s) to roll with the punches.
After using YNAB for 6 months, this has been one of the best new tips which I now will action, thank you!
Great presentation, very funny!
Great idea for budgeting "fun" stuff without guilt. Thank you.
I love the idea of a wish farm. Thanks!
This is great motivation for not spending on "little", spur-of-the-moment purchases. Starting off my Wish Farm with a sculpting course this summer for $695....
Oh, wow! The sculpting course sounds amazing, Jami! 👩🎨 - Ashley
@@YNABofficial It is - Grand Central Atelier is an amazing place to study art. grandcentralatelier.org/workshop/portrait-sculpture-expressions/
Loved the video. One aspect I don't see emphasized enough in these though is the need for patience. It will take time to save up for those items.
This one is a keeper! Both the content and the YNABer.
Great video. She makes YNAB easy to understand
I absolutely love this Wish Farm idea! I have been struggling with trying to budget for too many big projects. S M and L is a great rule.
I love Hannah's videos so much.
you made my day! Thanks hannah for giving some great tips in all of your videos and the added humour is absolutely the best and certainly needed in these really scary times!
Omg, I died at "Right, guys?" lololol Thank you for all your magic, Hannah! Watching the update next!
I only use the mobile app. I wish we could minimize categories there because it would make this a lot easier!
CZcams kept recommending this but I don't want a farm, so I never it watched it. But I totally love it!!!
😂😂😂
SURPRISE! No farm involved. 😉
Love this!
- Hannah :)
I’m a single mommy who just closed on my first home for myself and my 11 month old daughter. I definitely struggle with the idea of being able to do things for me (even prior to purchasing a home). And I feel like I’m going to be “in the hole” for a while with the furniture upgrades and other home purchases (not even done buying things)...and then there’s her first bday party on the 15th of February ugh!!! 🤯🤯🤯🤯. This is a great idea I’ll have to use this method when things settle down! Awesome inspiration...SN: I’ve had my eye on the King of Queens Complete Series. Lol. My 30th bday is fast approaching..may be my bday gift to myself.
Tori, that incredible! Congrats on building a beautiful life for you and your daughter. I wish you all the success, and the King of Queens series sounds like the perfect 30th birthday gift to yourself! 🥳 - Ashley
I was wondering how to handle the paid-for wish item. The concept of moving those funds to an appropriate spending category and then renaming the finished wish item is brilliant! I thought maybe I was going to have to create another section to move those items into. LOL
Thank you for putting a smile on my face ... have a blessed evening.
What is a dvd player?
I believe it's a box with a retractable cup holder that you can use to hold your hot (or cold) beverage while streaming Netflix
Thank you for the refreshing and funny illustration on how to save money with YNAB! Job well done!
My wife calls you the "funny budgeting lady". Thank you for your videos.
Ha! When people asked me what I wanted to be when I grew up, I never would've guessed the funny budgeting lady. But here we are! Ha! Zoo keeper wouldn't have panned out anyway...
-Hannah :)
@@YNABofficial Haha! I believe in you. It's not too late to become the Tiger Queen!
@@YNABofficial girl, you're funny. Love your videos bc of your great personality
I actually went to check Netflix for Friends! Phew!
Love love love this!!! I also saw a trick where you put the money you budget and then use + to add extra! I just erased, did the math on my own, and then updated. Easy way now for the odd ball amounts. Thanks YNAB. :)
LOVE this idea! Definitely putting it to use! Thanks for making budgeting fun 😲
Totally love it! So funny 😂
These videos are really helpful. Keep the good work and thanks a lot!
So glad to hear it, Samantha! Check in every once in a while and we'll keep the content comin' for ya!
- Hannah :)
Black splash part killed me 🤣
😂
4:26 You'd save if you just bought the complete set on iTunes! No future archaic DVD player needed or hanging around, and no need to get off the couch to switch DVD's. Just saying!
Some of us still have DVD players and don't have a TV that connects to iTunes ;)
Thought the same thing. If you already have a DVD player that is fine. But all of my movies/tv series are now on iTunes. 👍🏼
How do I get a YNAB computer sticker?!?
This is actually a really good idea - thanks for sharing! Off to restructure my budget now...
Jolyon, let us know how it goes for ya!!
- Hannah :)
@@YNABofficial Well, I may have binged on your videos for a while... then I went off and had a lengthy conversation with support regarding documentation. Right now though, I'm just glad I've got a steady job, a safety net category, and a budget to get through the rocky road of the next few months. Keep up the good work :-)
Yes!! Jolyon, we are so glad you're feeling set and secure too!! These are crazy times, and these times are exactly why we budget!! Best of luck to ya during this corona season :)
- Hannah :)
holy shit this is going to change my life
This video is so much fun! *on the hunt for more Hannah videos* She reminds me SO much of Carll from Sunday Cool Tees (believe me, this is a huge compliment - his vids are fantastic!), especially when she says, "Nuggets!" LOVE, LOVE, LOVE
I love this one she did recently - czcams.com/video/eLjYlZDc2tI/video.html! I'm not familiar with Sunday Cool Tees, but I'll look him up. 😄 - Ashley
THIS IS BRILLIANT!
Is it possible to get Hannah to host the YNAB podcast please?
Love these videos, thank you! Get crafty with a 2nd hand wooden ladder and chalk paint if desired?
Such a brilliant idea! Thank you! I'm inspired!
I've just stumbled across YNAB and I'm obsessed! This is exactly the type of budgeting software that I've been searching for. This may seem like a silly question, but where do you physically keep your money that you've budgeted for the items in your wish farm? Do you have a separate account that you keep that money in vs. your checking account and your emergency fund?
Hey there, Amy! It kind of depends. If it's gonna take a WHILE to save up for or I won't be buying it for a while, I'll likely leave those dollars in savings until it's time to make the purchase. But if it won't be long before I'll have the item funded I'll just leave it in my checking. The beauty of YNAB is, if you're frequently reconciling, you can refer to your *budget* to see how much money you have available for something, *not* your bank account. I've found since I started budgeting with YNAB it doesn't matter how much money I have in each bank account or how it's divided up among those accounts-now I just refer to my budget to know which dollars are supposed to do what. It gives awesome clarity to my bank account even though from the outside it looks just like a big, vague sum of money.
Also, I've *had* an emergency account at my bank, but I just recently decided to roll those emergency dollars into my savings account, so now I only have three bank accouonts: checking, savings, and future home. Nice and simple! YNAB gives me the clarity and granularity I need.
-Hannah :)
Great video, setting up my wish farm now! All I need is a YNAB sticker for my laptop, how can I make that happen YNAB? :)
At the end of the video Hannah copy paste the a new wish from the wish list to the wish farm. How about moving the harvested wish to a "harvested" category even thought the amount is $0? I mean if I want to keep track of accomplishments... And then just move the sleeping bag up... Would that work?
Okay Roger, hold up. You are brilliant. I LOVE the harvested category group idea!! Keeps transactions sorted and is a running list of all you've accomplished! If only you were around three months ago...
-Hannah :)
Keeping it fun (and educational for us new folks).
Very informative AND entertaining lol
I really like this idea. It looks like using this method, you don't use the goal feature in YNAB to track items in your Wish Farm?
You certainly can. I do! Use the Target Goal with or without a date.
I love Hannah.
Haha, thanks Michele!!
🌻 Hannah
I love this video! So helpful!
Thank you for this great idea.
How do I work for YNAB? I work for Google now, but you guys seem more fun! 😂
This is so helpful!! Thank you!
I get the concept. My only question is @9:21 you now have -15.00 budgeted in the "small" wish farm category. Say your next small wish farm goal was something that was $30. If you put $30 into that category now it would only read as $15, correct? Do you just have to wait until it zero's out the next month before funding a new wish farm goal?
Hey Tyler! Great catch! That's actually just a demo error, filmed a little out of order. One the bed for Julep was fully funded, I would move that whole amount to my "Dog" category, leaving that small wish list slot completely empty and ready for a new wish to take it's place! Hope that helps clarify-you caught me! ;)
-Hannah
I was wondering that too! Thanks for clarifying
Is there anyone wondering what a blanket ladder is?...no? Just me?
Thanks for this info! I liked the Wish Farm concept.
Question about the YNAB system in this case.:
After you transfered for FarmWish as a month's expense, why do I need to copy/paste the new from WishList instead, just delete it and bring the Sleeping Bag as you did in the first time with the Bed for Julpe?
Thanks!
I think it has to do with how YNAB used to handle deleting categories that had associated transactions. Before, when you deleted a category, it messed up your budget, because it didn't know what to do with the transactions that were marked for the category you deleted. This video Is 3 years old, so they've since fixed this issue. Now, when you delete a category, it asks you for a new category to take it's place. Hope that helps.
Two thumbs up to what Ricky said! It's definitely easier these days than it used to be. Just delete the fulfilled wish farm category, reassign any transactions contained within that category to another appropriate category when the app prompts you to, and bump a brand new category up into your wish farm! Easy peasy!
🌻 Hannah
Wouldn't it make more sense to just drag and drop your line item from "Wish Farm" to the "Variable Expenses" Topic? Would this still work? In the video it said there was $150 budgeting to "dog" and then the amount was transferred to dog for the bed. Does this make the total "dog" budgeted amount $195 ($150+45) or $105 (150-45)? Sorry, just a little confused still. Just downloaded YNAB today!
Question: Does an item have to have a dollar amount before it goes on your Wishlist, or only before you can move it into your wish farm? Can you put an item in your wishlist before you've fully researched the cost/specific model you want?
GREAT VIDEO!!!!
Ok, so that was a great explanation...but will it work on the app? Or will I have to retype like crazy?
Is there a video on more expensive wishes/savings goals? Budgeting for a mountain bike ~$1k, and trying to start saving for a down payment on a home in a few years ~$50k. And how would that fall in with the basic wish farm type things
Hey Shaun! Not as of yet! For the bike, I'd add it to your wish farm as a large item, or depending on what speed/dedication you want to move at on saving for the bike, you could move it to another category group and put a more hefty saving goal on it. As for the home, we're looking at developing a little content on home buying this summer!
-Hannah :)
Great video!!! You are an incredible teacher, Hannah!!
I have two questions that I hope you can answer. First, at time 6:50, the tip in the blue box suggests setting "target balance" goals for the wish list items....I'm assuming that means for the items we put on the "Wish Farm" and not the wish list correct?
Secondly, after you move an item from the "wish list" to the "wish Farm" can you then delete it from the Wish List" since you're now saving to buy it?
Sorry if these sound like dumb questions, but I just want to make sure I set my "farm" up correctly! :)
Thanks so much for your help and time!!
~Donna
Doxie-great questions! You can go ahead and set Target Balance goals for ALL your categories (whether they've been moved to the Wish Farm or are still on your Wish List) because that type of saving goal just lets you toss in whatever amount of money overtime. But, in response to your second question: yes! Once an item has been moved to the Wish Farm, it can certainly be deleted from the Wish List (because no money movement will ever happen in the wish list). In THAT case, you're totally right, it makes the most sense to add your Target Balance goals to ONLY your Wish Farm items instead of your all your Wish List items. Good catch!
-Hannah :)
How do you get those little icons next to your categories? Share your secret please...🙏
Hi, Steven & Tracey! If you are on the mobile app, Kelly shows you how here - czcams.com/video/SAZ4vF3jsvI/video.html. And here is how to do it on your computer - docs.youneedabudget.com/article/196-using-emoji-in-your-budget. - Ashley
@@YNABofficial Thanks!
@@YNABofficial These are TOO CUTE! YES! My budget is now 126% cuter!! :)
Thanks for a great tutorial!
How do you prioritize between emergency fund and a wish farm savings?
As of now, when I "close out" my month either on the 1st of next month or last day of current month, I transfer all "unspent" $$ from non-accruing categories to my emergency fund categories.
When my husband and I started a budget with YNAB back in August, my first priority was to get $1000 in an emergency fund. I know that's not a huge emergency fund if one of us were to lose our job, but it's a start!
Great question! For me, I set up a monthly goal on my emergency fund and have been putting in the same amount every month till I hit my goal. My wish farm items just get any leftover trickle of possible cash that didn't get assigned anywhere else. I often petsit or do odd jobs for people, and I'll usually divvy all that money up between my wish farm items or split half-and-half between wish farm and emergency fund. I also like your idea of transferring the unspent money to your emergency fund-I do that same thing, but put that extra money toward my student loans. It's really personal preference and what level of urgency you have to put that extra cash away!
-Hannah :)
Doxie-a start is the very best thing you can do! I think $1,000 is a very honorable goal. Then, if you reach it, you can always say, "Let's go for $2,000!" Smaller goals are easier to meet and more encouraging (though saving $1,000 is no small feat!). Best of luck!!
-Hannah :)
I hate it when I am not notified of responses... but anywho... i digress
@@doxiedonna , Like Hannah said, $1000 is a great start! And anything that's > $0 is better than $0 :)
Hannah also mentioned that having small goals is a great way to ensure that you'll reach them. Having a lot of small wins is a lot more attainable than 1 large win (that is the sum of all those small wins).
Keep at it! I know you guys will get there!
@@YNABofficial I also do my monthly contributions to my emergency fund and, since I don't have any interest-bearing debts, I shift unspent $$ to my emergency fund.
Speaking of emergency fund... What is a good way to look at the emergency fund? I know that this is personal finance and everyone has something that works for them, but I was wondering how others are looking at their EF categories. I tend to break up my EF into bunch of small sub-categories: Auto insurance deductible, medical expenses, income loss, etc. Then, I try to max out smaller targets before getting to the larger target - income loss.
Is that something that you would advise users or am I overcomplicating things for myself?
Thanks again!
OK.... was tracking a loan on my CAR-A with a loan account in YNAB. So, I traded in my CAR-A and purchased CAR-B. I had a balance on the loan of CAR-A and trying to accomplish this transaction in YNAB. Obviously the balance on CAR-A of $100 (for e.g.) was not given to me but was paid by the dealership in associated with the purchase of the new car. What might be the best way to handle the YNAB accounting? Thanks for everything...
Is it also possible to make the transaction and select the item from the wish farm as category while making the transaction, so you don’t have to move the money to another category?
I think you could, but then you wouldn't be able to delete the completed wish item
I was thinking that after purchasing an item from the wish farm, I'd just hide the category and move another category up. Does that work? Or would it mess up the records?
That would work, but eventually you're going to have a ton of hidden categories piling up. Also, your reports aren't going to reflect 100% accurately.
I'm OCD so the hidden categories bother me. 😅 I also think it's good to reflect on your total spendings in your reports from time to time and make sure the spending lines up with your priorities, so every dollar matters!
Wait. How do you get icons in your budget category names? I need this in my life!
Robert-no fear, I got your back!!
docs.youneedabudget.com/article/196-using-emoji-in-your-budget
- Hannah :)
Should you prioritize getting a month ahead before starting a wish farm?
Hey Desiree! Great question. The truest answer is it's all up to you and your priorities. However, one great think about the wish farm is that you can trickle extra money in as you come by it or just throw in a few extra dollars here and there! The wish farm doesn't have to be your main project or get a huge wave of your cash every month. I think you'll be more comfortable if you're a month ahead and it will make saving for wish farm items seem much easier and guilt-free, but there's no reason you can't do a little of both at the same time!
-Hannah :
Thanks! I love your videos so so much!
With the new delete feature this might have been made easier.
No worries, Juan-we'll be updating this video soon!!
-Hannah 🌻
great video! but why not delete the funded Wish Farm item and drag up a new item from the Wish List?
...because you will leave past financial moves unaccounted for which just messes stuff up. You can delete the category from the Wish LIST if you haven't put in/taken out any money without consequence.
@@rebeccamarkley5231 But wait, if the wish farm category is back at zero after moving the money into its final destination, wouldn't it be possible then to delete the item? I mean, if no money is ever spent directly from the wish farm, no activity would be recorded, right? I think I might be missing something here.
Actually, if you have been putting money into your wish farm category, then those "deposits" for lack of a better term are transactions that will be left hanging if you delete the category. You put $30/month in your Blanket Ladder category until you get to $67. If you then spend the money and delete the category, those historical entries will be negated and things will go wrong. If you just move the money from Blanket Ladder to your permanent Household category and then assign the purchase transaction to Household, all will be well. Then instead of deleting the item, you can rename it. Alternatively, you can Hide it (if you want to keep a record of your wish farm items), but it is cleaner to just rename the same category line and start growing your next Wish Farm Wish. It is not easy to explain or understand, but I have DONE the delete thing, and it just isn't pretty.
It's only a backa-backa-backsplash, that's all folks!
should my vacation plans go into wishlist?
It's up to you! I personally keep my vacation category *outside* of my Wish List because I want to be certain I'm contributing a consistent amount to that category every month, where as I only trickle extra money into my Wish Farm as I come by it, which means some months I may be contributing little-to-none to it. Also, if you know the date of your vacation I'd want to add the "by date" feature to my Target Balance goal, and with my Wish Farm items I'm generally not tacking on the "by date" feature since I'm not looking to acquire those items by a certain date. Hope this helps! It's truly whatever you want!
-Hannah :)
This is a fake plant
Very charming! :-)
Where is Julep? :)
Oh, I'm SURE she'll make an appearance soon! I'll see how I can incorporate her :)
-Hannah :)
Second Time Watching this 🙋
Thanks for watching, Ghalia! - Ashley
I could see her dating Norman Redus.
1:21 or a VPN ;) wink wink, hint hint. #justsaying (In South Africa it's on Netflix) - shhhhh).