It is a mindset. I am a gardener, I wanted to buy two big planters, I mean larger than average, could not find them for less than $100 anywhere, so nope. Walked into Home Depot, found utility totes, the perfect size I need for $10.00 each, so yeah its a mindset. No one is going to know they are totes and I can do my project for what I consider a reasonable amount. I really try to be mindful of garden spending, cause well flowers and plants are my thing. Great video.
I used snowball method heard from CZcams. And in 2020 I was completely broke and had almost $50000 in debt. But I decided to end debt and start taking things seriously. I cut down all expenses and worked 2 jobs and also go to college . I go home only to get shower, food and 3 hour sleep. Rest I also slept in my car but, within 1.5 year, I paid off all debt. I changed 3 Honda civic in this process each was $1100 in cost because I use to do pizza delivery as second job. Still use same car. I was only 23 year old at that time. After watching your video, you refreshed everything I use to do. Thank you
Something I heard recently is “your not an influencer, buy you ARE being influenced” Aimed at the “ooo I need that new candle because XYZ has it” or “I need to re-decorate because XYZ has changed their home and everyone thinks it looks great” You don’t NEED the candle, they did their job well and influenced you into thinking you needed it… You aren’t an influencer so who are you trying to impress by re-decorating just to ‘keep up’ ❤
Thank you Jennifer for another great video. This week I turned 62yrs and urge people to budget for their senior years. It's vital to do so to avoid regretful financial decisions of keeping up with the Jones and not prioritising savings. Hi from Australia 🇦🇺
Never too late to budget. It’s a mindset and will open your eyes. Budgeting will train you to live within your means. You will reach your long and short term goals. You will realize what is important and what is not. Maximize your awareness, willpower and income! Blessings to you all!
I wish I could get my friend to use a budget and track her expenses. She told me several years ago that she made two little money to use a budget. Literally one of the dumbest things I’ve ever heard in my life! She’s not a big spender, but I think there are areas where she could trim her budget and help her reach some financial goals.
Budgeting changed everything. We actually figured out where all the money was going, and we stopped the drips. It's amazing how many things fall into place after we're faithful in stewarding the money the Lord brings our way. We love seeing how much closer to out-of-debt we are coming! Great video, as usual! Blessings! :)
I really love the last tip Jennifer! Having debt should not even be an option. Having automatic withdrawals for savings really helps with this. A budget is a given for living a sane life. Most of the worry is gone.
lol. Collection calls. (Way back also). Prob also why I got in the habit of never answering calls right away. 😅😅 Hah! Here to also testify about landlording. Esp if you share space with others. It’s NOT passive. It’s been quite the ordeal just for me to learn how to have sufficient boundaries with my tenants. (Although that’s not the only issue or work you’d have to do). I’d say it’s not quite as bad if you have tenants in a separate property, but it’s still very much like a 24/7 “on call” job and the weight of it is always present.
We track our spending with a pen & paper (in a book). It’s in the lounge where it’s easily accessible. We write in it after every spend. This helps us know how much we have left & keeps us in the budget.
One thing I have never been able to understand about "rounding up" is how do you balance your checking account to the bank balance? As someone who balances to the penny every month, that would drive me crazy
Hi Chris, I don't necessarily balance my checking account. I use cash and my debit card, and I check my account every day to make sure that the days charges are correct.
Fantastic, wise suggestions. Millennials greatly benefit from the content of this video about money. You are so young and so wise, I hope they listen to you. I'm in my 70s and love all of your videos.😊
Hey Jennifer , another great video I loved all your 10 tips I thank god that were debt free and trying to save as much as possible you have been an inspiration to me god bless you for all the time you put into your videos , I hope you have a great Sunday with your family .
I just love your videos! You give that inspiration and boost to me to continue living a frugal, yet abundant life. I live in Toronto Canada and pretty much everyone around me complains about food, gas and housing prices. It is so true that almost everything is up, but once you learn the difference between wants and needs and realize that I can make different choices (like repurpose, go without, only shop sales,move, give up a hobby that is now too expensive). Over the years, my family and I have intentionally planned how we can inflation proof ourselves; like stockpiling food (or anything!) when at rock bottom prices, we cut our own hair, drive as little as possible, don't pay for convenience (food delivery, prepared meals, take out, coffee shops etc). The list is quite endless 😊 I would love to hear how you future proof / inflation proof your family. Perhaps a future video idea? Thank you again 💕
My budget goal is to live within my pension most months without using my husband's social security because I will not get his SS if he dies before me. The months we pay property taxes and house insurance will not be within my pension but most months can be.
It is a mindset. I am a gardener, I wanted to buy two big planters, I mean larger than average, could not find them for less than $100 anywhere, so nope. Walked into Home Depot, found utility totes, the perfect size I need for $10.00 each, so yeah its a mindset. No one is going to know they are totes and I can do my project for what I consider a reasonable amount. I really try to be mindful of garden spending, cause well flowers and plants are my thing. Great video.
I used snowball method heard from CZcams. And in 2020 I was completely broke and had almost $50000 in debt. But I decided to end debt and start taking things seriously. I cut down all expenses and worked 2 jobs and also go to college . I go home only to get shower, food and 3 hour sleep. Rest I also slept in my car but, within 1.5 year, I paid off all debt. I changed 3 Honda civic in this process each was $1100 in cost because I use to do pizza delivery as second job. Still use same car. I was only 23 year old at that time. After watching your video, you refreshed everything I use to do. Thank you
You worked so hard! Great job at tacking that mountain. You did it!
I've been completely debt free for 8yrs.and I retired 1 month before I turned 60😅.and I'm totally retired.
FANTASTIC! 🤗❤️
Something I heard recently is “your not an influencer, buy you ARE being influenced”
Aimed at the “ooo I need that new candle because XYZ has it” or “I need to re-decorate because XYZ has changed their home and everyone thinks it looks great”
You don’t NEED the candle, they did their job well and influenced you into thinking you needed it…
You aren’t an influencer so who are you trying to impress by re-decorating just to ‘keep up’
❤
Thank you Jennifer for another great video. This week I turned 62yrs and urge people to budget for their senior years. It's vital to do so to avoid regretful financial decisions of keeping up with the Jones and not prioritising savings. Hi from Australia 🇦🇺
Hi Maria! 🤗
Never too late to budget. It’s a mindset and will open your eyes. Budgeting will train you to live within your means. You will reach your long and short term goals. You will realize what is important and what is not. Maximize your awareness, willpower and income! Blessings to you all!
I couldn't have said it better myself! Hugs 🤗
I wish I could get my friend to use a budget and track her expenses. She told me several years ago that she made two little money to use a budget. Literally one of the dumbest things I’ve ever heard in my life!
She’s not a big spender, but I think there are areas where she could trim her budget and help her reach some financial goals.
@@tgayer1 Budgeting could give her clarity and if she does need to make more money she will know how much.
Budgeting changed everything. We actually figured out where all the money was going, and we stopped the drips. It's amazing how many things fall into place after we're faithful in stewarding the money the Lord brings our way. We love seeing how much closer to out-of-debt we are coming! Great video, as usual! Blessings! :)
I love this message! Thank you 😊
Hi Jennifer 👋🏻
My happy place is my garden. This year, I am planting extra herbs to sell to my neighbors.
Hi Maria, That sounds amazing! I need to grow more herbs this year. Thanks for the reminder 🤗
Sell herbs to expensive restaurants too! Best wishes.
What a great idea!
Plan and weekly meal prep helps
Great tip!
Thank you for articulating this so well. Especially the distinction of being a creator or a consumer.
Lisette, thank you so much! Hugs 🤗
Our bank has a Save the Change option. It rounds up to the nearest Pound and puts it into a savings account.
I really love the last tip Jennifer! Having debt should not even be an option. Having automatic withdrawals for savings really helps with this. A budget is a given for living a sane life. Most of the worry is gone.
Shirley, you are so right. Budgeting helps keep things less stressful.
lol. Collection calls. (Way back also). Prob also why I got in the habit of never answering calls right away. 😅😅
Hah! Here to also testify about landlording. Esp if you share space with others. It’s NOT passive. It’s been quite the ordeal just for me to learn how to have sufficient boundaries with my tenants. (Although that’s not the only issue or work you’d have to do). I’d say it’s not quite as bad if you have tenants in a separate property, but it’s still very much like a 24/7 “on call” job and the weight of it is always present.
All about the budget. I track incoming and outgoing down to the penny. No debt.
I've never heard someone say it so clearly "dept is not an option" take it off the table. That is cut and dry and clear. Great advice!
We track our spending with a pen & paper (in a book). It’s in the lounge where it’s easily accessible. We write in it after every spend. This helps us know how much we have left & keeps us in the budget.
Just asked checker at Lowes Garden Center if they still discounted torn bags, "yes', got bags of Cannas half price for asking.
Getting out of debt has been my biggest thing I've been doing the past 3 years and I'm finally be where I want to be after this year
One thing I have never been able to understand about "rounding up" is how do you balance your checking account to the bank balance? As someone who balances to the penny every month, that would drive me crazy
Hi Chris, I don't necessarily balance my checking account. I use cash and my debit card, and I check my account every day to make sure that the days charges are correct.
A penny saved is a penny earned. I used to be an impulsive spender. Not anymore I am saving money for a used SUV. I have my bachelor's degree.
You always help me get back on track and remind me of my financial goals...Thank you !!
I am so glad my videos are helpful. Thank you for sharing that with me 🤗
Yes rounding up helps.
Fantastic, wise suggestions. Millennials greatly benefit from the content of this video about money. You are so young and so wise, I hope they listen to you. I'm in my 70s and love all of your videos.😊
Thank you so much!
Great video! I'm also debt free minus the mortgage!
That is awesome!
Wonderful ideas 💡
Thank you, Kelly! Have a great week 🤗
So happy to see you today.
The last video I saw was 3 years old! Welcome!
Hey Jennifer , another great video I loved all your 10 tips I thank god that were debt free and trying to save as much as possible you have been an inspiration to me god bless you for all the time you put into your videos , I hope you have a great Sunday with your family .
Thank you so much, Beatrice!
I'd also add. YOU ARE NEVER EVER TO OLD TO LEARN, anything. THAT includes Mentally, emotionally and physically learning. You never ever stop learning.
I would love for you to do a video/update on your mortgage payoff❤
Tressa, we are so close! I'm going to do a video on it once it happens. I know you know the feeling having paid yours off. So exciting 🤗
Thank you, Jennifer, for all those great tips!
You are so welcome! 🤗
I just love your videos! You give that inspiration and boost to me to continue living a frugal, yet abundant life.
I live in Toronto Canada and pretty much everyone around me complains about food, gas and housing prices. It is so true that almost everything is up, but once you learn the difference between wants and needs and realize that I can make different choices (like repurpose, go without, only shop sales,move, give up a hobby that is now too expensive). Over the years, my family and I have intentionally planned how we can inflation proof ourselves; like stockpiling food (or anything!) when at rock bottom prices, we cut our own hair, drive as little as possible, don't pay for convenience (food delivery, prepared meals, take out, coffee shops etc). The list is quite endless 😊
I would love to hear how you future proof / inflation proof your family. Perhaps a future video idea? Thank you again 💕
This is such an important video. I thoroughly appreciated it.
Thank you so much! ❤️
Doing yr own reasearch or taking everything with a grain of Salt...Is being smart in these days we are living in. As 2 Timothy 3:1...😊😊
Glad to see you looking rosy and healthy again!! I hope the kidney issues are in the past!!!
🤗
I love your videos Jennifer, thanks for all your help!
Emma, thank you so much! 🤗
Thanks for all your tips!!
You are so welcome!
One of your best videos. ❤
Wow, thank you!
Great video. Thanks. The story about the valet is probably from Morgan Housel's book...most likely The Psychology of Money.
Yes! That is where I heard it. Thank you for reminding me 🤗
Ive never had any debt. I dont understand why people do it.
Blessings
Hey Jennifer, thanks for sharing another great video ❤️🤗
Bex, thank you so much! I hope you have the BEST weekend 💓
@@THEJENNIFERCOOKThanks Jennifer, you too ❤
My budget goal is to live within my pension most months without using my husband's social security because I will not get his SS if he dies before me. The months we pay property taxes and house insurance will not be within my pension but most months can be.
Great video.
Thank you! 🤗
What was that budget app
Hi Annette, it is called Every Dollar 🤗
Thank you
Congratulations to all the nice stories. But how did you become debt free ? 🤔
Hi! I actually should do an updated video on how I did it. I'll put that on my list 🤗 Have a wonderful week ❤️
I love that, and tell my students: are you creating, or consuming? Be a creator!
🖐🥰👍
Then next it's about building my savings while I continue to pay off my car
Budget