I currently have two credit union accounts (different CU's). One was for car financing - paid off, but never closed the acct. The other is for pay check deposit. Main account. From my main account I distribute to a separate savings and retirement account. I currently have two retirement accounts, one through my employer and one I opened on my own. Of course the employer acct is banking which I increase the % every year (Currently at %10 of my pay - employer matches %5). My checking which is through my main CU I barely use. And I have a CC $10,000 limit which came about as a emergency home expense (parents, and I DON'T mind helping them) it helps to build my credit. Wanting to pay off in 2018 (down to $5000). Then there is a needed used car loan of $16,000. USED! 2 year old car, so yes. Other car passed on. I am single and when possible i'll drop some $$$ into my savings and retirement accounts that I opened. Do I have money for ME, sometimes but I'm OK with that. When I spend on ME, it's something needed, useful and enjoyable. Gotta learn to LIVE WITHOUT. Enough babbling, save that money everyone.
I have one credit card and paying off. I know longer carry the card in my wallet. I refuse to use it. It only defeats the purpose of aggressively attacking debt!
@@Clevergirlfinance I just heard you on Wisconsin public radio. I heard a whole bunch of words coming out of your mouth but nothing said. You did say "side hustle" though, which I found really really lame.
I wish I had invested for my childrens' college. Yikes! But I do have three savings accounts at my credit union. One is a regular money market - it pays a tiny bit. The others are long term cds. One is a 24 month, which pays 1.5% and the other is a 5 year which pays 2.5%. It's not a lot, but better than sitting there doing nothing. Thank goodness, I have enough in my regular savings to pay for the remaining balance on my kids' college. I made a rule with them when they started college that I would only donate a fixed amount per year. And I've stuck to that. I also have some investments. Thank you for all your instagrams, blogs and this.
Subscribed a few weeks ago and am really enjoying and learning. I've been following personal finance vloggers for awhile and am pretty far along, but find the subject quite interesting and important and am always learning, so thank you! You have a very well rounded appeal and skill set.
I am in three Banks.Two that I put money in to save.And one where I spend for bills and food.I put money in the two Banks for saving without no debit card.I only have one debit card for the one bank for food and bills.
What should you do when you haven't received a yearly statement about your retirement savings and asking gets you nowhere? Should the amount be increased and hope for the best or leave alone for the time?
Hi! Thanks for this video. Pleasr how many percentage do you suggest we save of each. Is 10% of our salary enough to start? Also do you suggest using the same bank for the different accounts? Many thanks
How frequently can i withdraw money if i have a checking accnt with a credit union? Also which bank is good for a checking account? I feel like BoA has really high rates. Welp #newtothis
For the love of All, DON'T go with BoA! Ever!! They compile fees ridiculously, so start with a credit union account first. Then work up to regular bank like Suntrust or Chase for getting into more varied accounts.
I am starting this month end when i get paid. I am definitely glad I discovered you on Instagram. I am 22years old and started my first job this month
Girl you you are so lucky to have discovered this beautiful soul with brains when you are still young
I currently have two credit union accounts (different CU's). One was for car financing - paid off, but never closed the acct. The other is for pay check deposit. Main account. From my main account I distribute to a separate savings and retirement account. I currently have two retirement accounts, one through my employer and one I opened on my own. Of course the employer acct is banking which I increase the % every year (Currently at %10 of my pay - employer matches %5). My checking which is through my main CU I barely use. And I have a CC $10,000 limit which came about as a emergency home expense (parents, and I DON'T mind helping them) it helps to build my credit. Wanting to pay off in 2018 (down to $5000). Then there is a needed used car loan of $16,000. USED! 2 year old car, so yes. Other car passed on. I am single and when possible i'll drop some $$$ into my savings and retirement accounts that I opened. Do I have money for ME, sometimes but I'm OK with that. When I spend on ME, it's something needed, useful and enjoyable. Gotta learn to LIVE WITHOUT. Enough babbling, save that money everyone.
I have one credit card and paying off. I know longer carry the card in my wallet. I refuse to use it. It only defeats the purpose of aggressively attacking debt!
I just discovered you. You are amazing. Super helpful tips. Thank you!
Thank you for watching!
@@Clevergirlfinance I just heard you on Wisconsin public radio. I heard a whole bunch of words coming out of your mouth but nothing said. You did say "side hustle" though, which I found really really lame.
Yea, I have 4 out of the 5!
I wish I had invested for my childrens' college. Yikes!
But I do have three savings accounts at my credit union. One is a regular money market - it pays a tiny bit. The others are long term cds. One is a 24 month, which pays 1.5% and the other is a 5 year which pays 2.5%. It's not a lot, but better than sitting there doing nothing. Thank goodness, I have enough in my regular savings to pay for the remaining balance on my kids' college. I made a rule with them when they started college that I would only donate a fixed amount per year. And I've stuck to that.
I also have some investments. Thank you for all your instagrams, blogs and this.
You've done great regardless! Thanks so much for your support Liz!
This video was so helpful! Thank you.
Great video and presentation! You actually made me interested in being Interested!! LOL Thank you!!! I need to get with it!
Subscribed a few weeks ago and am really enjoying and learning. I've been following personal finance vloggers for awhile and am pretty far along, but find the subject quite interesting and important and am always learning, so thank you! You have a very well rounded appeal and skill set.
Thanks for being here!
I made notes. Starting as soon as possible. Thank you for this.
Can you list some investment company's that you trust
I think Vanguard has good customer service & low fees.
Charles Schwab I believe is the only one that offers some protection against fraud.
This is sooo informative!! Thanks!!
1 Non Interest Checking
3 Retirement Investment Account
4 Non Retirement Investment Accounts
5 College Fund for Your Kids
I am in three Banks.Two that I put money in to save.And one where I spend for bills and food.I put money in the two Banks for saving without no debit card.I only have one debit card for the one bank for food and bills.
Genesis Real info Report. So why not get there credit card? You could research and get one?
Thank you for this video, it's very informative and clear!
Heaven sent thanks so much..I’m on it!
Great information and well delivered. Thank you!
This is great information thank you
Thanks so much for this Awesome Advice🙏🏽
Thank you so much 💓
Thank you so much for sharing
I'm new to watching you I loving your video
Love your videos !
great info. thx
Great info!
Thanks Bola always informative.
I Love Your Content! Thank You! ❤
Great video! Thanks for sharing
Szép napot kívánok szeretettel.....
Very informative
Great info, thanks again. Would be good to end with a summary of the 5 accounts on a chart.
laerning a lot Bola. many thanks
So glad!!
Very informative 💖
Thank you
What should you do when you haven't received a yearly statement about your retirement savings and asking gets you nowhere? Should the amount be increased and hope for the best or leave alone for the time?
Which Investing 101 book do you recommend?
Hi! Thanks for this video. Pleasr how many percentage do you suggest we save of each. Is 10% of our salary enough to start? Also do you suggest using the same bank for the different accounts? Many thanks
Onyemachi Chukwu she wrote on the video she is a credit union fan
How frequently can i withdraw money if i have a checking accnt with a credit union? Also which bank is good for a checking account? I feel like BoA has really high rates. Welp #newtothis
For the love of All, DON'T go with BoA! Ever!! They compile fees ridiculously, so start with a credit union account first. Then work up to regular bank like Suntrust or Chase for getting into more varied accounts.
Thanks Nubian queen for the video very helpful
❤
What is your career -other than CZcams
I wish my employer was giving free money. We now have 403b that I contribute to
You talk 6much and too fast