Yup it's one of our favourite topics....personal finance! If doesn't matter if you have a lot or a little these steps will be essential in staying on top of your finances, so let me know if you agree and which steps you will be putting into action! Also you can get your Mind + Money right in 2021 and preorder our BRAND new Planner here: bit.ly/33abF6Q
I love how you did this on Black Friday (I don't know if that was your intention) whilst a lot of CZcamsrs are doing Black Friday hauls - this was exactly what I needed to watch so thank you!
I’ve paid off my debts before I got made redundant this year. Looking to get into a job to start investing for 2021! You were such an inspiration (and still are!) 🧚🏽♀️💸
I started watching you when i was 18 years old. Now i am almost 27. You have helped me in many ways. Money/saving, saying no to negativity etc. Keep it up big sis 😘
@@lolojack5109 My issue is with my sister. I feel guilty if I don't help her, but I have stopped and now it kind of gets thrown in my face. I helped my uncle get a lease for a car and when it was time to turn in the lease he didn't want to pay the mileage difference which was almost 13,000. He just finish paying it off last month after a year and a half. My credit score dropped 200 points. Just devastated!!!
I feel you! My brother (aka Golden Boy) is the same. The ventures of his the family have supported and none of it EVER comes to fruition! He can kiss my backside this year - I'm TIRED!
You have this incredible energy and warmth that is soooo radiating Patricia! Due to the lock-downs, I have been inviting my close friends at home for dinners instead of going out to eat (way to scared to be inside a restaurant right now). I think it has made it easier to cut back on spending & still have fun with friends! Also going on hikes / working out instead of spending money on dinner is a great activity!
Setting 3 financial goals works for me, any more and i get discouraged because it takes too long. Then when I meet one, add the next. Really great tips
My finances didn't start to change until my mindset changed around it! You are spot on! I love your personal finance videos and always learn something new from you! 😍🙌🏻
It’s so amazing how you continue to release amazing content, you’re one of my go to inspiration when it comes to personal finance and youtube contents, that’s why I’m always motivated to keep pushing out more content to my audience 💪💪💪💪
I am currently reading her book heart and hustle and I am telling you guys it’s so worth it! Thank you so much for sharing your story. I literally read the first pages with tears in my eyes, a lot of the things you said about your experiences in early years was so relatable. It is really refreshing to just see a woman rise and shine beyond and never give up. Honestly I look up to you and you motivate me to grow. ❤️❤️❤️❤️
I LOVE THIS CHANNEL! I'd like to leave a comment and just say Patricia is THE ONE for advice. Years ago I confided in her I was having trouble with money and structure and it was mostly down to the fact I wasn't financially literate. My family isn't, I didn't know any better. She showed me 1) it's not the amount I had coming in, it's how I was managing the incomings and 2) showed me structure, how to save effectively. Those lessons are on here and crazy valuable and changed my entire mindset about money. She knows her stuff.
Sometimes you watch CZcamsrs who have multiple channels, and on one of the channels you’re like, “Errr this ain’t it bro/sis!” Not here though. Timing? Check! Relevance? Check? Enthusiasm? Check! This channel is in the top 3 of my financial CZcams subscriptions. Thanks Pat.
I set myself a goal at the start of the year to have my loans paid off by 2021, one month to go and I’ve I’m going to do it! Next year my goal is to buy a house. I’m so close to both of my goals and videos like this help to keep my spending at bay! Thank you 💕
Consumerism is my worst enemy of progress. I am a sucker for a sale or buying items I feel I need at the time. It would be interesting to know you manage your desire for wants in order to secure your needs.
Loved this please do a video talking about your corporate career and how it has helped you today. I know you have a done a video à few years ago but please can you do an updated version
I love your videos so much. Ive watched your other channel for years now an cam across this one during lock down. Long story short. You inspired me to buy my first home through multiple incomes and educating my self about how to sort my finances.
I have so much anxiety over money and finance but watching this Chanel made me realise I already do a lot of this stuff and it has helped me with reducing the stress
Listen!!!! I was HUMBLED when I started budgeting and realized I needed to cut back on my outgoings! It's so simple and I wish I would've started earlier but I've been so steady with it now. Cn't wait for my Mind + Money planner to be here for the new year!
Patricia!!! Can you please do a video on how to budget, but specifically/logistically? Do you use a journal or more of a spreadsheet? How many different buckets should we break up our income to i.e. food/rent/etc. and how much percentage of our income should go into each?
I have a huge financial goal at the minute with barely an income. It gets harder when it's holiday season to save up. But this has helped me get my finances sorted
I love how you give advice without making us poor saps fee stupid!! Also your planner would fit great with this video but you wasn’t ramming it down our throats. Thanks for highlighting this topic.
I have seen your video like this before but it never hurts to refresh. My credit score is good but have a little debt. So am focused on paying that off for the next 6 months.
GREAT ADVICES, WITH THE COVID19 WE ALL NEED TO BE ON TOP OF OUR FINANCES AS WE LEARNED THE HARD WAY IN 2020 THE IMPORTANCE OF INVESTMENT., PENSUNE FUND AND NOT GIVE UP NO MATTER HAT, ITS POSSIBLE TO BE FINANCIALLY FREE AND SOUND...
Now with bank apps it's easier to control you money, at least in my opinion! First things first, I pay all I am obligated to and then put the money I have stablish to savings. That really helps because you only use what you have on our account. So I end up seeing your videos to see what I can do better and right now I think I want to do some investments so do some more videos about it pls! You are great Patricia! Love your videos! ♥️
MINDSET IS EVERYTHING, HAVE AN AMBUNDANCE MINDSET, SET RESONABLE GOALS, DISCIPLINE YOURSELF, CUT OUT ON SPENDING UNNECESSARY... SAVE MORE, INVEST...STICK TO YOUR BUDGET...
Honestly love you for this platform really is am amazing ✅ Also you may not see this hoping you can answer , managed to save for a house got a house now I don’t know how much to spend on doing up there house ? It doesn’t need a lot but I’ll be doing over my budget what shall I do ? x
*Auntie pat, quick question. I have about $20,000 student loan debt, 790credit score. Should i go hard on paying off student loans first, or pay the minimum over 8 years and save for a down payment for a mortgage?*
Thank you ! Your messages on finances is very clear and straight forward. I agree 100%, start invest as early as possible. I have started this summer, and it was the best financial decision I have ever made. That dream of owning my own apartment, is getting real :)
Yea girl! I need to be on my A game very soon ! I know how to save money but it never really stays in my account for too long smh. Its like I need a bank far far away 😩 I appreciate this video!!
Yup it's one of our favourite topics....personal finance! If doesn't matter if you have a lot or a little these steps will be essential in staying on top of your finances, so let me know if you agree and which steps you will be putting into action! Also you can get your Mind + Money right in 2021 and preorder our BRAND new Planner here: bit.ly/33abF6Q
Everything you talked about in this video is spot on! Keep up the amazing work. Huge fan all the way from Tulsa, Oklahoma USA
This new lens is poppin'
Thank you for sharing this. It’s so encouraging.
Hi Patricia and The Break Team - I just pre-ordered the Mind & Money Planner, looking forward to using it to keep things in check :-)
C vvj
Me anytime i hear Patricia talk of money i pay attention like am in classroom.
✋
This is the best classroom honestly
I wish I had these classes in school.
You are in classroom 🙌🏾
When the student is quiet, the teacher is present. Welcome to class sis, 2021 is gonna be our year when we’re financially stable and wise.✨💜
Same sis...same. She is an absolute G!
My rich auntie is back with another video this week!!!
😊
😂 Our
Changing your mindset around is the most important thing! Wish all of you the best financial 2021 possible!
Absolutely agree! Unfortunately many don't!
thanks Victor! 🙌🏾
I love how you did this on Black Friday (I don't know if that was your intention) whilst a lot of CZcamsrs are doing Black Friday hauls - this was exactly what I needed to watch so thank you!
I feel like she might have a black friday haul coming on her main channel! Sis really has her cake and its itt 😭🤧🤧
Mindset is such an underrated foundational element of building wealth. People neglect the mental aspect way too often 👏🏾👌🏾
I’ve paid off my debts before I got made redundant this year. Looking to get into a job to start investing for 2021! You were such an inspiration (and still are!) 🧚🏽♀️💸
I started watching you when i was 18 years old. Now i am almost 27. You have helped me in many ways. Money/saving, saying no to negativity etc. Keep it up big sis 😘
Personal finance is so important as a young black woman, as we become the cornerstones of our family and community.
"you cannot go anywhere if don't know where you are" LOVE THIS!!!
Literally need a community of people who I can talk about savings and goals with!
Want to join a group because I do too?
She’s so right! When I have so many financial targets I rarely meet any 😩
And helping others(ex. Family)can backfire. So I am being less giving and a little more selfish🤷🏽
Yes! I realized once I was single that I was able to save much more cod didn’t have to bail a SO financially out every few months or so.
@@lolojack5109 My issue is with my sister. I feel guilty if I don't help her, but I have stopped and now it kind of gets thrown in my face. I helped my uncle get a lease for a car and when it was time to turn in the lease he didn't want to pay the mileage difference which was almost 13,000. He just finish paying it off last month after a year and a half. My credit score dropped 200 points. Just devastated!!!
I feel you! My brother (aka Golden Boy) is the same. The ventures of his the family have supported and none of it EVER comes to fruition! He can kiss my backside this year - I'm TIRED!
You have this incredible energy and warmth that is soooo radiating Patricia! Due to the lock-downs, I have been inviting my close friends at home for dinners instead of going out to eat (way to scared to be inside a restaurant right now). I think it has made it easier to cut back on spending & still have fun with friends! Also going on hikes / working out instead of spending money on dinner is a great activity!
Isn't she soooo incredible?! I totally agree! I have been having friends over as well and LOVING IT!
Absolutely! That is a great idea! Hiking or playing tennis is great!
@@sophiehamley715 Agree!!! :)
@@emilym.5004 Yes!!!!
Setting 3 financial goals works for me, any more and i get discouraged because it takes too long. Then when I meet one, add the next. Really great tips
I read the "Richest Man in Babylon" and it really ties a lot with your wise counsel.❤️
Very amazing book!
@@onyekaukaigwe2482 It changed my financial life! It's a great book.
My finances didn't start to change until my mindset changed around it! You are spot on! I love your personal finance videos and always learn something new from you! 😍🙌🏻
It’s so amazing how you continue to release amazing content, you’re one of my go to inspiration when it comes to personal finance and youtube contents, that’s why I’m always motivated to keep pushing out more content to my audience 💪💪💪💪
I'm rolling laughing at the sound effect when you said the bank account may be $0 @ 5:12
I am currently reading her book heart and hustle and I am telling you guys it’s so worth it!
Thank you so much for sharing your story. I literally read the first pages with tears in my eyes, a lot of the things you said about your experiences in early years was so relatable. It is really refreshing to just see a woman rise and shine beyond and never give up.
Honestly I look up to you and you motivate me to grow. ❤️❤️❤️❤️
You have taught me so much. Sending loads of love all the way from South Africa 🌍😊
She’s amazing ❤️
I’m quite good with money but my salary just bumped up from 33k - 50k so I need to get more on it!
Congrats!
Ever García thank you :)
I have saved so much since covid with everything being closed because before covid I was spending like I had it 😂
Me too
and you never get tempted to spend online?
@@itsme-ij1zm I do but i've stopped myself. I just tell myself I don't have anywhere to go to wear these things
Mines Got Worse 🤣
@@lilacfoofness lol a lot of online shopping ?
Patricia teaches me more life lessons in one video than I’ve ever learnt in my life time!! Life saver🤩
Yep, everything has to start with your mindset first. Thank you for this video!:)
I LOVE THIS CHANNEL!
I'd like to leave a comment and just say Patricia is THE ONE for advice. Years ago I confided in her I was having trouble with money and structure and it was mostly down to the fact I wasn't financially literate. My family isn't, I didn't know any better. She showed me 1) it's not the amount I had coming in, it's how I was managing the incomings and 2) showed me structure, how to save effectively. Those lessons are on here and crazy valuable and changed my entire mindset about money. She knows her stuff.
Best tip! The mindset about money is the biggest barrier and something you constantly have to work on so you don't go the extreme or frugal way!
Sometimes you watch CZcamsrs who have multiple channels, and on one of the channels you’re like, “Errr this ain’t it bro/sis!” Not here though. Timing? Check! Relevance? Check? Enthusiasm? Check! This channel is in the top 3 of my financial CZcams subscriptions. Thanks Pat.
I set myself a goal at the start of the year to have my loans paid off by 2021, one month to go and I’ve I’m going to do it! Next year my goal is to buy a house. I’m so close to both of my goals and videos like this help to keep my spending at bay! Thank you 💕
Thanks hun, I'm working on it hun. TEAM ORGANISED ❤️❤️❤️❤️⚒️
recently created a personal budget on excel and omg i now understand why she gets excited over excel spreadsheets!!
Fitting that you posted this on American Black Friday. I'm getting my stuff together I promise! lol
Words of wisdom as usual.Hearing this at 19 is truly a blessing
Having a mindest of abundance is literally so important!
Super topic Pat! Love the top by the way! xxx
Yes, we're so ready to achieve our goals in 2021!
Consumerism is my worst enemy of progress. I am a sucker for a sale or buying items I feel I need at the time. It would be interesting to know you manage your desire for wants in order to secure your needs.
Loved this please do a video talking about your corporate career and how it has helped you today. I know you have a done a video à few years ago but please can you do an updated version
Can you please do a video on investing. Like baby steps please
Sure
This right here 👏🏿👏🏿👏🏿 on Black Friday as well. Love this
We neeed more of this quality content!!💜💜
I love your videos so much. Ive watched your other channel for years now an cam across this one during lock down. Long story short. You inspired me to buy my first home through multiple incomes and educating my self about how to sort my finances.
I have so much anxiety over money and finance but watching this Chanel made me realise I already do a lot of this stuff and it has helped me with reducing the stress
Listen!!!! I was HUMBLED when I started budgeting and realized I needed to cut back on my outgoings! It's so simple and I wish I would've started earlier but I've been so steady with it now. Cn't wait for my Mind + Money planner to be here for the new year!
U are such an inspiration patricia!!!!!!! Thanks for being you!!!!!!
Feeling of sense of abundance is key 🔐 for unlocking doors 🚪
It’s expensive to be poor. Spend less than you make.
The goal is not to have alot but managing the little you have!! Yes!! Love you Patricia ❤❤
Serving major beauty and brains in this vid, Patricia! Love the hair, love the make-up, love the money motivation.
Love from L.A. ✨ 🤎
Only person I have notifications for!! Give me that money money talk xx
Come to me 2021
🙌🏾YESSS!
@@The_Break ❤️ you girl
You literally pushed me from being a lazy person to having a growing attitude money wise,you're super. Thank you
You're such an inspirational person to listen to! Thanks from France 😉
Another take home for me is 'Determine your Essentials & Necessities vs Luxuries & Desirables💯💯
Mindset is so fundamental, thank you for this gentle reminder - time to get my ish in order 🙏🏾♥️
We love a finance queen 👑
Patricia!!! Can you please do a video on how to budget, but specifically/logistically? Do you use a journal or more of a spreadsheet? How many different buckets should we break up our income to i.e. food/rent/etc. and how much percentage of our income should go into each?
I am here for this! Time to get our finances right early on 😂
I have a huge financial goal at the minute with barely an income. It gets harder when it's holiday season to save up. But this has helped me get my finances sorted
She said “sort it out love” 😂
Thank you Patricia. I wasn't familiar with you until this channel. May you continue to be blessed.
It’s the hair slayed Everytime for me
Yass Patricia! 😍 Teach us your Money ways- pretty please! 😍 Here for it!
I love how you give advice without making us poor saps fee stupid!! Also your planner would fit great with this video but you wasn’t ramming it down our throats. Thanks for highlighting this topic.
I have seen your video like this before but it never hurts to refresh. My credit score is good but have a little debt. So am focused on paying that off for the next 6 months.
+ 1 9 2 9 8 4 1 3 6 2 2
GOTTA GET YOUR FINANCES RIGHT!!💵💯
When I see Patricia uploading on The Break I know I need multiple income streams!!!!
Excellent
GREAT ADVICES, WITH THE COVID19 WE ALL NEED TO BE ON TOP OF OUR FINANCES AS WE LEARNED THE HARD WAY IN 2020 THE IMPORTANCE OF INVESTMENT., PENSUNE FUND AND NOT GIVE UP NO MATTER HAT, ITS POSSIBLE TO BE FINANCIALLY FREE AND SOUND...
2021 better be kind to us all😂😂
Now with bank apps it's easier to control you money, at least in my opinion! First things first, I pay all I am obligated to and then put the money I have stablish to savings. That really helps because you only use what you have on our account. So I end up seeing your videos to see what I can do better and right now I think I want to do some investments so do some more videos about it pls! You are great Patricia! Love your videos! ♥️
🤫🤫🤫🤫Shhhh!!!! Ms. Bright has sasshayed into the chat!..Class is in session 💰💲💰💲💰💲👂🏾👀👂🏾👩🏾💻
I'm always learning new words and phrases when I listen to Patricia ! 🤓
Please keep sharing your knowledge Patricia! Your talks about personal finance are my favorite videos 👏🏽❤️ Actually...I like them all.
I've just started my first grad job, and your advice has really been helping me with understanding finances, Patricia!
11 minutes & 54 seconds of wisdom👌🏾
These videos really help me! Hope you never ever EVER doubt that we’re truly listening cause I watch with a note pad and all sis. It’s deep 🤣 ❤️
Patricia, thank you so much for all the advice you share regarding finances! You're a star! ❤️
Sooooo sooo soo important topic omg! People need to learn this from a young age so they don't have to struggle later on
Thank you for this motivation!
Your on fire jeez boss moves x
Hey please do mortgages in Ireland uk v Ireland. And is it worth going on the property market in Ireland 🙈
Patricia, I love your content. Keep up the good work
Love you Pat
Loving all the uploads👌👌 love your financial videos 💕💕💕
I was wondering if you could do a video on credit card and their rewards in the UK.
Thank you! Thank you for posting this and stopping me from the Black Friday plague on my back account!
Yes 👏🏼 just what we all need this time of year!
Love this video! 💕 Thank you for creating amazing content and I’m looking forward to learning more about investing with you 😊
Amazing video! Let me get my pen and paper lol 🙌🏾
LOVE
THIS
CHANNEL!!!
Ive learnt so much thank you so much Patricia.
MINDSET IS EVERYTHING, HAVE AN AMBUNDANCE MINDSET, SET RESONABLE GOALS, DISCIPLINE YOURSELF, CUT OUT ON SPENDING UNNECESSARY... SAVE MORE, INVEST...STICK TO YOUR BUDGET...
This is right on time ! Not all of us grew up with this type of help💯🙏 thank you
Honestly love you for this platform really is am amazing ✅
Also you may not see this hoping you can answer , managed to save for a house got a house now I don’t know how much to spend on doing up there house ? It doesn’t need a lot but I’ll be doing over my budget what shall I do ? x
*Auntie pat, quick question. I have about $20,000 student loan debt, 790credit score. Should i go hard on paying off student loans first, or pay the minimum over 8 years and save for a down payment for a mortgage?*
Thank you ! Your messages on finances is very clear and straight forward. I agree 100%, start invest as early as possible. I have started this summer, and it was the best financial decision I have ever made. That dream of owning my own apartment, is getting real :)
Yea girl! I need to be on my A game very soon ! I know how to save money but it never really stays in my account for too long smh. Its like I need a bank far far away 😩 I appreciate this video!!
Hi Patricia. You always have the best advice. Going slightly off topic, where did you get your wig from?
Okay, but the quality of this video is brighter than my future 😀. So I clicked
Thank You, you are always giving out great advice that’s attainable😊
Notification gang! Loving the consistency sis 👌🏾💕