WE DID IT! + Money & Relationships | August 2019 Budget | Aja Dang
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- čas přidán 16. 05. 2024
- YOU ARE AWESOME! After sharing how Asics owes me $10,000 from 2017, y'all went to action by commenting on their Instagram pictures. That inspired me to join the movement and we are finally in talks to getting my money! It was all due to y'all bc I probably wouldn't have been so bold if if hadn't of done it first.
Secondly, went over my budget again this month mostly due to Luke having to go to the hospital again. That pet emergency fund is getting lower and lower by the month but at least we have it in place. Let it be said, be financially prepared for pets. It's no joke.
Finally. I'll be trying to take over the finances for the household. Lets see how that goes.
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Girl yes! I’m so stoked for you!!! I’m in the same boat, I have a few personal goals I want to accomplish before I say yes ;) I can’t wait to see the planner that you design! I truly hope you’re still working on it, and I would love to see how you use your current planner
I am! Looking for a facility to make them! If you have any suggestions, now is the time!
Aja Dang I would love to see a flow chart similar to the one you’ve created in your own planner where you highlight the debt you’ve paid off. I can’t draw to save my life, but I can write my own numbers and highlight!
@@angelicasauve Same!
YES to you finally getting a response from ASICS!!! The power of social media! 👏🏽👏🏽
thank you!!!
When my husband and I first got married and started to combine our finances, we opened a joint account together - we each contribute part of our income to it and use it for our joint expenses like rent and food. However, we each still have our own personal savings/checking accounts. I like this system because it allows me to retain a measure of independence over my personal finances, savings goals, etc. while still making it easy to work together to pay for what's needed.
Also, glad you're finally getting paid by Asics!
ColleenBeaty im currently started this with my bf. We just moved in together two months ago. We both have our own car payments and other bills. We also opened a joint account to pay our share bills. Do u guys contribute a percentage of salary or a set amount from each. My bf makes a little more than me. So I wasn’t sure which one works better and more fair in a long run.
@@Handbaglvoer the question I was about to ask. I'm thinking that Brian and I would do a percentage. He makes more than me but if it based off a set percentage of each paycheck, than we would be contributing fairly based on what we make.
Aja Dang hi Aja! I think in a long run percentage is the way to go. Looking forward to a new video from you in the future related to options for couples committed in sharing finance together.
Yes! This works great too! I kept my checking/savings as well and then there's the general acct for expenses/bills :D
Aja Dang yes that’s what my boyfriend and I do, we each deposit a certain amount in our joint account for all household expenses every month, and that debit card is used for basically everything we share (rent, groceries, utilities, cable, internet, vet charges, etc). Then on weekends or date nights one of us usually pays for each other. It’s worked out pretty smoothly and feels fair. We do the same for a our joint savings account for emergency expenses.
In a past relationship I managed all the finances. He was horrible with money and was the one to suggest it. I did a great job and even with or lower income managed to pay all the bills, build a savings account, and even afford extra purchases like new furniture for our apartment etc. But what I learned from that experience is that even if your partner is happy people will judge. His family and friends, when they found out I managed his pay checks etc, became very judgemental. I began being called controlling and even abusive. I never deprived him of his money in any way yet I people acted like I did. The relationship ended and years later he is in a bad financial place and his family (I have limited contact with them) blames me for ‘stealing his money’ still, even with the proof that he has been unable to better manage his finances without me. 🙄
The general assumption was that since we lived together but weren’t married we should have 100% separate finances.
When I married I chose to keep our finances separate for a few reasons (my then husband had control issues with money and I felt I wanted my own account etc). We were married 9 years and the entire time I had my own bank account and income. We separated the finances in that I paid for food and extra household bill outside the basics. He paid the rent and the basic household bills. It worked for us but again I experienced judgement. People who found out thought it was weird we didn’t have a joint account (we technically did but I never used it).
The assumption was that since we were married we should have shared 100% of our finances and he should have been in charge.
In the end I find that no matter what you do someone will say something about it -especially when it comes to money. So fuck them all and do what works.
For real. At first, my partner and I when we started living together fell into the mentality of "oh well, since everyone has joint accounts when they're together, maybe we should?" We ended up being lazy and never opened a joint account and throughout that time just ended up realizing that it works well with separate accounts and we will likely do that continuing into a marriage. I get your feelings though. When I told a friend we have entirely separate accounts and just work together they were like "WHOA, I have never heard of that before."
people need to mind their own business when it comes to stuff like that. Your ex's family was so insecure, it shows.
My parents combined everything because there were poor, but my *mom wouldn't acknowledge that he was a financial abuser & narcissist!* So you're much more wise then those blind "CoMbiNe EveRYThiNg!!" people. Oh, and they're finally getting a divorce 👏👏
I have a rule on my channel that I'll film and produce the video, but won't make it live until I'm paid. It sucks that I have to do that, and I've DEFINITELY lost deals because of it but it's insane what we have to do to protect ourselves. I'm lucky because I have a full-time job outside of CZcams and I don't rely on it for money, but I can't imagine being a 100% freelancer and being taken advantage of like that. I'm so proud of you for speaking up, it makes a huge impact in this community!
wow, good for you. I think I'd definitely lose way too many deals if I demanded a 100% up front, but I think next time I go into the office, I'm going to ask my team if we could do 50% up front and 50% later. That normally happens with the "bigger", long term deals - but should be that way all the time.
What I did/do with my boyfriend of 5 years that I bought a house with and married 5 years later was to create 3 joint accounts. One savings account for common savings (house) and emergency. One joint checking account to pay for all common expenses. One joint credit card to get the points where you buy all common items (rent, groc, utilities etc.). All of my car expenses, vet bills, hair, beauty and exercise, clothes etc., I deal with from my accounts. Ditto for him. This works great if both people work. You both have the freedom to do what you like with what is remaining but are also looking after the team. We agree how much from each our accounts we move into the savings account and the checking account each month and we visit this twice a year. He does all the bill payments from the joint accounts. If either one of us would get a windfall from a bonus at work, the person that made the additional money would discuss what they wanted to with the extra. Sometimes one of us would need something, like a car but most of the time it would go towards whatever financial goals we had set for us a couple/team for the year.
When you buy your house I think it’s important to have a legal agreement with your partner about what happens to your property if the partnership dissolves. You could think of it like a prenup, like you don’t plan on needing it, but if you do, it’s so much better to have made a clear agreement before things get complicated
Hi, you introduced me to Dave Ramsey and I have been following your school loan payment journey. Today, I payed off the last payment of my student loans! So thank you for your voice and keep up with your goal!
Thank you guys for the positive comments. If you have a goal just keep at it. There's a light at the end of the tunnel!
Congratulations!!
Arjay S That’s awesome! Congrats!!
Congratulations!!!
Congrats!!! 🎉
oh my gosh, congrats!!!
Hi Aja, I paid off all my student loans and my husband's this pass Friday. I've mentioned before that we took out 100k but it grew to 120k. When we started our journey, the balance was 83k. 19 months later, it's done! Can't wait for you to be done this year as well!
Also I know how you feel about people telling you to get rid of your dog. My dog of 11.5 years just passed away 2 months ago and everyday has been tear shedding. After his passing, I look back to my time with him and I'm happy that I never gave up on him even though he was not a friendly dog to others. Enjoy every moment you have with your fur babies. When they pass, you will be the one who has to live with whether you did your best for their time on Earth. My dog has taught me so much and above all, how to be a better human...even after his passing.
Congrats on the loan payment! Sorry to hear about your dog :(
@@azilizc thank you!
@@gratitudetouniverse3754 to be honest, salary isn't important. If you are determined to get out of debt, that drive will do what it needs to achieve that goal. If you followed Aja for a while, her goal to get out of debt drove her income up. But to answer ur question, I was making 6 figures when I started my debt journey. My regret was that I didn't have the insight to start sooner. It would still have been doable making less money and would have taken a little longer.
@@gratitudetouniverse3754 let me add that for a long time, I acted like a victim of the student loan crisis....until I realized that no one was going to help me get out of the mess I made. Once I accepted that, I started to be intentional with my money. I'm so glad I embarked on this journey. It taught me to value my time and money way more than I use too.
Thank you Aja For continuing with these videos. You don’t understand how much of an inspiration you are to me.
Aja I’m paying off my student loans this month!!! Been out of school since 2012.
CONGRATS GIRL!!!
Yes queen! Congrats!!
YES GIRL!!! CONGRATS
congrats, thats amazing :)
Congrats I have 6k to go.
Under $40,000?? That is AMAZING!!!! You should be so proud of yourself and you are so close to your goal :D
So happy ASICS is stepping up to do right by that contract. Also, animals are family. You don't give them away.
I am LOVING your financial progress! Good on ya for being honest and open about your journey. I am here for ALL of it!
Omg so proud to hear about this good news 😭💕
You were so happy and upbeat this video, I love it! You're so close to paying off your loans and on your way to bigger goals!
So happy for you! You are one of the most genuine people on the Internet, looking forward the day you are completely debt free!
Yay! Justice!🤗😀 Under 40k left, whoop whoop! WELL DONE AJA!!! Keep on kicking ass!👍
Gurl YAS! You got this and you are so close to being DEBT FREE!!
So excited for you!!!! Keep on inspiring ❤❤❤
I love your hair so much!!!! Never change it, sooo gorrgeoouss
Thank you Aja for sharing your journey, your motivation is inspiring
You do you!!! What ever works and makes you happy!! Your doing a great job and continue to make videos that inspire us.
Love watching your budget & finance videos! So inspiring to push me to pay off my debts 😊 thank you!
Btw keep killing your student loans 🔥🔥🔥🔥🔥👏🏽
Thank you so much for this. Being open about finances helps those who watch your videos to also want to get their finances in check, specially us women who tend to not be as open when it comes to money and how we handle it. Thank you for your openness ❤️
You're sooooooooooo close to clearing your student loans! I'm so inspired. You got this Aja!!!
First things first, that look is cool AF 💃💃💃! So glad ASICS answered you, hope they pay you a good chunk for the two-years-late interest too! Really excited to see what’s coming for you and Brian in the future! Keep on killing it!
I'm SOOO Happy you're getting paid!!!!! This gives me so much joy!
hopefully girl!
YES to ASICS progress. I couldn’t and wouldn’t give up a pet. I’ve done it once and never again!!
Financial Management is Keyyyyy, you are using your platform very well Aja!
There's going to be so many tears when she's done with the last 40K. :) I love you.
YES! You are such a badass, kudos to you for speaking up and shame on all those people that still haven't paid you (and other freelancers). You are living your life, working hard, and being an amazing woman
Go Aja! really glad you are finally getting your money back!
You are doing amazing work, and thank you so much for sharing all this with us. I think it's very helpful, especially for people who wouldn't know how to tackle debt (like me). although my student loan will be much smaller than yours (thanks Europe), I feel less overwhelmed after following your journey, and more prepared for when I'll have to repay my student loan in two years
40K! Congrats Aja! Can’t wait til its all done and we’re along for the ride of Saving for a house.
Breyia’s Interlude omg girl. Same! Haha
Yaaasssss!!! The good power of social media I am so happy for you! I can relate as a free lancer. I’m glad the ASICS brand is responding. If they follow through I will repost my comments positively about their brand and buy their shoes.
I like you so much Aja. I’m glad you have a channel!
Congratulation 💃🏽🎉💪🏽 I will also be debt free at end of this year 🥳
Mariam Bibi that’s so awesome!
Yay aja, so glad Asics came through 💞💞💞
You are a true inspiration. Getting my finances in order. My partner and I have a house account in addition to our own accounts. We then pay in a set amount that covers the bills which seems to work for us
I’ve fallen off of listening to Dave too! When he inserts his conservative values into his podcast, it reeeeeeaaaally puts me off.
Aja... Love your videos! Especially your budget ones. You've got this! At the end of your debt free journey I think a video of all your budget/debt-pay-off videos (mini clips of each) would be really cool to see the progression! Great progress! You've got this
omg, such a cute idea!!
This is such a great channel and I love your honesty and openness about everything you discuss... That must be hard sometimes and I think on some videos people feel they can make ignorant unconstrucively critical comments which you deal with great and it is super brave and amazing,
so big respect to you girl!
I recently watched your side hustle video which was v useful. It would be really motivating if you could break down your week to show how many hours you put into working to pay off your debt, how you motivate yourself to do stuff you don' t like very much and how you build stamina to keep going, that would be greatly appreciated.
I love your channel, your vibe, everything. I’m out of debt (sadly I don’t have school loans) and now in the process of buying my first home (closing 8/30!!) I the same fucked up my finances early in life but quickly got “adulted.” When ready to combine finance with my bf of 15yrs I decided to keep our own accts and open a totally separate one with both our names and only use it for the household bills,groceries, necessities and things like that. So every paycheck each of us would add to that mutual acct keep some on our own acct for savings or whatever. We are still not married and don’t plan on it until maybe 2022 or so. Marriage doesn’t define you, love and communication between you is what matters. Good luck on your journey, I’ll be here rooting for you every step of the way!!
I just started my debt free journey and I found you through searching about debt free journeys on CZcams. Thank you for your videos! They’re such an inspiration! Especially tackling the student loans!!
Hi Aja! I've been following along with your debt journey while living out one of my own for a over a year now. YOU being consistent has helped ME be consistent (esp when I wanted to f*k around and step away from my plans so I could travel, buy dumb stuff, you know the deal, lol). I find Dave Ramsey's ideas helpful, but he's so personally off-putting and unrelatable that I can't get into his videos. It's so much more digestible and realistic for me coming from you. Also FINALLY, I'm so glad you're getting your money!! My partner's mom has companies hold payment from her ALL THE TIIIIME, and it's become a trend that they know they can get away with because she won't push back. I honestly want to volunteer to harass people who owe her money! I love that social media did something good for you in this case!
Aja - I think the important thing to be aware of when combining finances if not married is how the law views things if you were to break up or one person were to die. You can get around the law not viewing you as a unit with extra legal documentation and protections (gay people had to do it for years before they could get married). Its just something to be aware of.
Yay! Strength in #s! Glad your coins are on the way 👏😁
WE DID IT!! That's amazing and I'm glad that they stepped up even though it was really the firm's fault, not theirs directly. So relieved that they are taking responsibility and in negotiations. You deserve to be paid for all the work you do. Always. Freelancing is a challenge for that, and situations like this are far too common so it's encouraging to see this progress.
Hell yes to everything in this vid!! So happy about ASICS and am LOVING how you tell people who’re trying to give you advice about living together and combining finances that you’re NOT LISTENING because I feel the exact same way! We definitely don’t do live how our parents live and I think that we live more intentional and happier lives because of it! You are both my she-ro (female hero) and inspo to continue on my debt free journey! Going to rewatch this now. Kudos doll!
wow, thank you!!!
You are absolutely amazing! The information you give in every budget video will empower people to be smart with their money. You are a beautiful person inside! Your love of the environment, animals, and just being a general badass make me so happy. I’m 50 and find your message so inspiring and hopefully. Keep it up love. The world needs many more people like you. ❤️
Yvonne Wagner thank you! Hopefully people will learn from my mistakes and do better for themselves
Great budget videos. Using EXCEL and being more structured as a freelancer is awesome. I appreciate your progress towards your goals. A tutorial sounds interesting.
Thank you so much for your videos and transparency about your journey! I’m so excited for you to get out of debt! You’re almost there :)
Also, I agree 100% about pets. My dogs are my children and despite how expensive they may be at times I will never ever consider giving them up. Just gotta make it work!
Yay for you for speaking about loving your dogs as family and speaking to everyone about being a responsible pet owner. I really enjoy your content. xo
Kelli Lynn thank you!
Yes girl you are almost there! Keep going rockstar :)
Love your videos and so excited that you're close to meeting your goals! I hate it that some of the DR boards were judgmental as what works for some does not work for others and you and Brian seem to have a healthy happy dynamic. My own caution for other women about moving in with their boyfriends stems from the fact that some guys suggest it right away and less experienced women don't realize what a commitment moving in, buying furniture together, sharing pets is whether married or not and it can make breaking out of a bad relationship a lot more complicated.
My husband and I have 2 separate bank accounts and one shared credit card. All shared expenses are purchased with the card. Then we split the monthly bill 40% / 60% because he makes a little more than me. We split rent that way too. Our own purchases are our own. We are getting ready to buy a house too so we will eventually open a joint bank account for that loan and continue to do a percentage split and start dumping some of our personal savings in for babies. He works in finance so he handles the investing for both of us. This method totally works for us because it gives us financial independence from one another for the most part and combines the shared parts of life. Thanks for sharing your journey Aja!
I don't want to open a credit card but it seems like an easy way to pay for everything at once and at the end of the month, pay your portions off.
@@AjaDang Yup! We always pay everything off, and you get the perks of cash back or rewards. We use Chase Sapphire so we use all our rewards points for travel. If you're going to spend the money anyways, might as well earn cash back / rewards! Just have to ALWAYS pay it off 100% at the end of the month. No debt!
Hi Aja.. I'm very much into your videos and learning alot.. Also you speaking and pronunciation is wonderful. I like these words "save your breath,am not gonna listen to you..!! Its makes my day. Please continue to Add more videos of your travels, would love to see them in your channel. Love you and keep up to this😘😘😘😘😘😘
YES!!!! I'm so happy for you!!! Woot woot 😁
Awesome Update!
I had exactly the same goal in paying off my debt before getting engaged and married! I wanted to accomplish the goal for myself, by myself. I just paid off my debt at the beginning of April and we didn't start talking about an engagement until the finish line was in sight and I knew exactly where each payment was coming from. We just got engaged in May and it was perfect! I was in the right headspace and felt ready for our next chapter! I can't wait to hear your insights from combining money! We all need to make decisions that are right for us. I've been following your debt free journey from when it began and I can't wait for you to pay off your student loans! Cheering for you!
wow, that's so awesome, congrats! There's something about being a *woman* and achieving such an important financial goal on our own. It's very empowering.
Congrats! For the taking over of his, I'd consider maybe doing what I do...each pay cycle, have an "allowance" budget. I take out 180 in cash and that is my independent funds (ie: I can do whatever with, and not worry about the other double checking my purchases). So I can spend or save, depending on needs that bi-weekly cycle. That way the bulk of the funds go for the house/bills/responsibilities and the 180/bi-weekly gives me madmoney for coffee/food/etc. And I don't use my debit for anything other than bills. (and no credit cards either). What I don't spend, goes in a cup and then goes towards insurance/taxes etc. (I live in a somewhat rural area so 180$ is an ok amount here, so you'd need to adjust to your economy. Good luck with everything!!! *highfives!*
I am so happy for you Aja. I hope that other freelance/whoever needs to watches this video. Also track everything, if you do not have an agent or company helping you manage these contracts and correspondence, track and note every single phone call and email. I think the spreadsheet is a really helpful way to stay organized without additional assistance. Yeah I have also noticed a fair bit of judgement when it comes to finding a suitable career path and compensation as well. I was actually talking to my grandfather and I was telling him how difficult it was to find a job with a living wage. He kind of explained his own path and how he worked as a welder and worked his way up and retired and how that is how its supposed to work. In the process he mentioned a benefit that I've never seen offered for any job I have ever researched. A pension. I actually chuckled a little. He seemed surprised to learn that over the course of time, while he had great job security, other companies were eliminating a lot of benefits that job seekers were forced to accept for survival reasons. We had a great conversation and it gave me some insight into his generation and their expectations.
Love how you treat Luke despite everything!!
of course! He's my son.
I think (which you probably have already) you should set the boundaries and parameters.
Ideas:Joint account and monthly budget discussions (informal or formal) so you are both informed and arent surprised or resentful. You could also try a budget system where you can both look at the budget.
Yeah! So excited that you are close to debt free ✊ idea on combining finances - 50/50 split on total shared household expenses if possible, or a ratio 60/40, 70/30 depending if partner is comfortable and financial ok to pay a portion and see how it goes for the first month then review and revise ✌️ its a no brained but it’s better to be honest with partner on how much you can contribute at the moment and work towards a closer 50-50 is always a fair and good healthy balance in relationship. Been doing it for 4 years and works fine. Give and take reasonably
I used to be a member of those DR Facebook groups, but to be honest... there was SOOO much negativity about everything. The majority of people in those groups are far too close minded, to the point I felt like I joined a cult. There was definitely very little room for individuality, and for the love of god... don't try to have an independent thought. Some people just take this whole thing a little too seriously, and need to understand that everyone's lives are different. Sure, the general outline for the baby steps are a great tool to follow, but there are a lot of people who are successful without tithing, tithing less because they can't afford 15%, or adding a little more to their BS 1 emergency fund because they have a large family, etc. I just think that there needs to be a little more respect for people who don't "stay in line" 100% of the time.
I completely agree! I usually ignore those comments cause overall I do like reading people’s success. But with a family of 4 a $1000 emergency fund is just not enough.
I agree with you, it’s funny sometimes, how a lot of people in debt think they are better than others in the same position. :)
I follow the DFC on Instagram (don't have FB) and follow all walks of life and have read how harsh some die hard DR followers can be. Some are following the DR plan to the "t" and others are loosely following it. I think its a great guidance for anyone and depending on people's life, one can tweak it. I think the overall goal in the end is to be Debt Free. :)
Omg I loveeee that scarf moment you have!!!! Also thank you for mentioning the relationship thing, I always get so much negative feedback for living with my partner and it’s solely because we aren’t married but we work well together as a team and that’s what matters!
Thanks! I thought I looked really cute but now I think I should've gone with a white shirt. Trying to figure out ways to extend my no hair washing days
Wow I can’t believe you have come this far. I started following you at the beginning of your journey and I remember how it looked crazy to get rid of 200k student loans debt, but you’re almost there!!!! Truly inspiring for young people as me
Love how real you are
Hi Aja, great video, I am glad that you will finally get paid! Good job! This is a lesson for all freelancers, thank you. Also, it is beyond me why would anyone 1) say that you should give away your dog 2) be asking you to get married before you want to 3) say that you should not combine your finances with your partner. It is your life and not theirs. You do what is best for you Aja and you are doing great! Keep up the good work!
💪🏼💪🏼💪🏼 we want to be debt free before we have kids so I get that because people are ALWAYS asking!
CONGRATS!!!!!
I CANNOT BELIEVE PEOPLE TOLD YOU TO GIVE YOUR BOYS AWAY.
Dogs are family. They aren’t possessions you get rid of when they don’t suit your current situation. You change your situation to meet their needs. Simple.
Also THANK YOU for inspiring me to get my financial shit together. My dog was hit by a cyclist a few weeks back (the same month my fridge freezer broke) and I was in a position where with these 2 huge unexpected bills I was still able to provide all the care my dog needed and buy a new fridge. I cannot THANK YOU enough. You are the reason I could afford his painkillers, his sedatives, his antibiotics, his scans. Everything. You are amazing. You are saving dogs everywhere! Cos I know I’m not the only one whose dog has had better vet experiences because of you. KEEP DOING WHAT YOURE DOING 👑
Yaaaaaay so glad to hear that from you ^_^
God dammit, Aja. I just love you so much!!!! You're a rockstar. Keep up the amazing work.
thanks babe!
I think that when people are judgey about combining finances it comes from their own bad experiences. I mean I'm young but combining finances has been the most stressful shit that i wish i could go back and undo. money is always stressful but if you've been together for a long time you should know your relationship and whats best.
hell yeah, girl. You rock.
That's brilliant about Asics - hope they pay up v soon! WELL DONE. Thanks for sharing that payment plan idea too, very helpful. And the 'fuck you' at the end really made me laugh. Have a good month. Jx
I’m the CFO of our family too. We just sent our final student loan payment to my husbands moms parent plus loan!!
We combined finances before marriage where we shared a checking and savings and also had our own. Broke up our paychecks into each account which got kind of nuts also with separate credit card bills.
Now our paychecks are divided to joint checking and joint savings. That’s it! no need for us to save or spend separately. And best change we made was only using 1 credit card (got him and authorized m card for my cc) and we pay the bill in full every month. We’re able to maximize our money much more this way. You’ve got this!
Aja create buckets(bank accounts). One for all household expenses(combined), one for you and one for Brian(splurge-spend on whatever you want), one each for savings and one "buy house" saving(combined). Maybe another emergency fund(combined). Either way good luck!
There are invoicing tools that will automatically follow-up for invoice payments. You could also put late fees in your contracts. I personally love Quickbooks for other features, especially when it comes to quarterly taxes.
OMG 😲 !! Under $40K !!
You have come soooo far !!
I have been following you since the start and I remembered when you had over $100K !!
It seemed like the impossible to pay it off but you have conquered it !!
You are such an inspiration to everyone !!!
Like I said in my many comments I wish more CZcamsrs would talk about money and savings !!
I can’t wait 😊 when you do a video when all your debt is paid off !!
I live in Dallas, but Houston is nice too. Yes come to Texas, no state income taxes here is a big plus!!!
Totally with you in not waiting for everything until after marriage. Of course you shouldn’t jump into things early in a relationship, but if the level of commitment is there and you’ve built trust in your relationship, continue to move in whatever direction is comfortable for the both of you. Marriage is just a piece of paper, it changes nothing in a relationship. If you didn’t already put in the work, that piece of paper is worthless.
On a spiritual/emotional level - yes, a piece of paper is not the big deal. On a legal level, the marriage license legally joins two peoples finances together and gives them many benefits (like with social security, and inheritance laws). So they may need to take some extra legal steps to protect each other if they aren't going the marriage route.
Would definitely love couples finance management
Dogs are very expensive!! And, they’re a commitment. Glad you made that point.
I remember when I got my rescue dog, I had to stop going out for drinks / brunch / etc. with friends as often because I had to pay for his vet bills, insurance and at times, dog daycare. A suggestion for people who aren’t sure whether they are ready for a LIFETIME commitment to a dog is to try 1) be a foster to a dog in need as they await a forever home 2) donate monthly to your favorite animal charity and/or, save money every month for a year or two until you have built up a fund to cover the dogs costs.
You don’t give family members away because of financial trouble. You plan in advance so as to avoid the financial trouble. Devastated me that people dump their pets when they become an annoyance.
I 100% agree on ALL your suggestions, I recommend the same thing.
I seriously LOVE your channel! You inspire me to make money moves ! 👍🏼😉
GIRL. MAKE THOSE MONEY MOVES
Yes queen 👑!
Upload your contacts to google drive so you can link them in your payment tracker so everything lives in one place. Get that money girl! Love your channel thank you for all that you do :)
I agree with the whole marriage versus living together and the criticism we get...I started managing the house hold before we were married and the one thing I learned is to make sure to include my partner in the decisions I’m making with our finances. There were several times when I would try to go over the budget and he would say I trust you .... but i found that i had to make him pay attention and make sure he understood what I was doing, where things were at, etc. bc when I had to travel for an emergency he had no idea what to do. Anyhow, good luck!!
good point!
"stop fucking asking!" I died!! Love you Aja!! So freaking much.
Yay For you guys! So excited that you are planning to purchase a home together. My now husband and I bought a home together after 6 months of dating. It was more fiscally responsible for us both to not pay for separate rental homes and we lead very busy lives so we knew it would be helpful to be able to spend more time with each other. We combined our finances and it’s worked out beautifully. I manage them and make a monthly budget. At one point in our relationship I was making more money and supporting him while he went to school. Now he makes more money and is able to help take care of me while I pursue my goals. We have one joint account where all of our money gets pooled into before getting moved to savings, money market, paying bills, etc. But, we each also have our own separate accounts where we get an “allowance” twice a month and can save or spend as we want to. The one tip that I would share is open communication! I know it seems like a no brainer, but it’s really important to communicate about finances on a regular basis. We talk about it regularly, but also make sure to sit down and address it every month- I update him on what’s going on with the budget and we talk about what we want to move into general savings, invest, save for a trip, save for our dogs’ savings account, etc. Anyways I’m so happy and excited for you two on your journey together! ✨
is there a percentage you give out as an allowance? Or is it, whatever we have after paying bills, saving towards goals, then it's ours.
It works out to be 20% total/10% each per biweekly income. Our income varies a bit based on bonuses, but if we get a larger influx of income then we expected based on the original monthly budget we end up investing more OR putting more into our dogs’ savings. Two years ago my dog was diagnosed with multiple myeloma and we cleaned out all of our savings in two months. So, to your point save save save for your dogs medical bills because you never know!
"So stop fucking asking, okay" LOVE it! I feel ya! It´s so annoying when ppl keep asking the same questions over and over again! Btw, I´m soooo happy about the whole Asics thing=yay!
Hey Aja. In my experience combining finances is all about communication. Me and my other half have been together for 7 years now and we actually combined our finances super early in our relationship because that's what worked for us. (So fuck the haters!) Since he is very visual when it comes to finances we keep a shared calendar with goals and expenses as well as a spreadsheet that we both have access to. It makes him feel a part of it and sometimes he will even say hey I saw our goal in two weeks but I think I can surpass it. (I.E. amount extra to make on a paycheck or save out of spending money). Good luck with becoming the house treasurer! You actually inspired me to become more financially goal oriented so thank you so much for the content you make!!!
Congrats! I've been thinking a lot about combining finances with my bf too and you just need to do what's right for your life. My bf and I have been together for 6 years and we bought a home. I'm also going to be debt free next summer and after that I'm going to combine our finances. There's no one way to do things that works for everyone.
I paid my student loans off 7-8 years ago. I'm working on my mortgage now. It feels so good each month too see those numbers go down!
Thank you for stating that you would never get rid of your fur babies and that they are FAMILY! 🙏🏻
So glad you're getting paid from Asics!! So as someone who bought a house with her (ex) BF of 6 years, I definitely understand the backlash the older/more conservative generation has regarding buying a home together before marriage. For us, things ultimately didn't work out and regret not keeping money things with the house very separate to make it clear cut when we split. I wish I would have made a written agreement of how things would be divided or how things would be paid, in case of the chance of us breaking up to protect myself financially because I got screwed over. Buying a house jointly is a business venture, and I should have treated it as such. But hindsight is 20/20 right? Just my input; plan for the worst, hope for the best. :) Good luck and keep kicking ass!
I actually left a few DR Facebook groups because of how close-minded and judgmental some of them can be.
Kym W. Same! Check out Pennies for Wealth. Amazing Facebook page. I’ve never encountered judgmental people there. 💕😊
I looked into Fresh Books a few years ago when I was working as an independent contractor. I took a full-time position shortly thereafter so I never used them, but have heard good things. Obviously not an ad, just wanted to contribute.