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Hello sister, my only way to get out of debt is straight up aggressive. Pb&js and ramen noodles everyday until it’s paid off, I only splurge on coffee because I’m at work for 16 hours usually. The slower ways get me confused and complacent. If everyone’s struggling with these tips just pay off debt aggressive even if you have ten dollars left after paying it off, lol

sometimes I forget that not every country is like Sweden where the standard is that you get paid at the 25 and all repeating bills are due end of the month to so automating your bills is super easy. I get my salary 25e all bills pay the 26:e the rest is for saving and eating.

New York is the best business move

I now make $20.50 an hour so I’m hoping to save up to $20,000 in 7 months!! So I just estimated minus $1,000 for traveling and $2,980 for savings! That’s exactly $17,880 in 6 months! I already know that I’ll want to travel every few months so I will have some savings as well for both!! Hopefully I can make a savings account. I will also want to do some shopping with my first paycheck. I deserve it.

You should do exercises to help with the movement of your mouth. Overall, great video.

You really should not name the institution you bank with

Love your content. Beautiful hair. Also, who is your stylist or website for your hair?

Thank you for sharing this information

The way i frequent wing stop, i need to do a no spend year. I’m about to be homeless if i keep going like this 😢

Girl you had me glued to the screen! I'm sorry that happened to you. That was crazy but the Lord got your back.

Are there any budgeting apps you recommend?

Congratulations 🎉

Hi! I hope everything is going well for you. When will you be giving an update? Or are you done with youtube?

Hi, new viewer here 👋 Do you have to claim the interest on your taxes with a High Yield Savings accounts? That is what makes me hesitate on opening one.

2024 🎉congrats !again

Merci mes condoléances 😊 🕊️❤

You can use Upside at restaurants as well.

This just happened to me! But I managed to pay it off once, so this time it doesn’t seem as intimidating. We can do it!

I make a couple thousand dollars a month if I'm lucky and my bills are almost half that and food is really expensive. I guess I gotta strap down extra now 🥲😪

You should go on financial audit!

Thx u for your kind words and time into this / info !!!

I can't save $ I get a thousand a month im always paying off debt but I do buy something I want cause it brings me joy still don't spend lots I do alot though to cut down on spending bring my own food when I go out

I live in GA and moved here over 2 decades ago. GA and the South in general gets a bad rap as if everyone here is "racist", which is just not true. Honestly I have seen more active racism in the North. I will say that the issue is more being "Northern" and the reason for that is life moves a little slower in the South. You are expected to be polite even in more frustrating circumstances. However, Atlanta is more Northern hustle culture. If you move to a small town just look over the demographics. Many GA small towns are a mix of ethnicities and races. Generally that is what you want. Georgians are friendly people in general. It is not uncommon for total strangers to walk up to you and start a conversation here.

Just canceled around $50 worth of monthly subscriptions! Everand is a cool app, but audiobooks aren't my thing. TH-cam premium, I can just watch commercials. Duolingo? Whoops. Tried a free week of Super Duo and didn't cancel in time 😂 The other one was a donation. I can start back later when I'm more stable. No one asked, but I'm excited to start putting that money into savings!

The prettiest face on YT😍😍

All of these are really good tips. The only ones that i am not utilizing are the reward apps to get cash back, gift cards, etc, and the no spend month. What i do with this, i carry $20 in cash only each week..leave debit/credit cards at home. That $20 is all I have for the week. But otherwise, yesssssssss girl ❤

Definitely possible to save money even if you're not making a lot! I used to save about half of my ~1300e salary and I'm so glad I did, because later on it meant that I could quit my job and travel.

My comment is for people on a really low budget. To lower your electricity bill and be less frustrated with cooking, baking and eating out. When you pick up food that contains rice, divide your meal in two or three portions. The food I pick up is the larger size. Sometimes I get three meals by adding a salad and some vegetables. I cook rice with vegetables and spice it up and freeze some in portions. I also make rice and peas dishes and do the same. I do the same with a lot of stewed beans and soups. I freeze some in containers for a meal. I end up not cooking everyday and just microwaving some meals. You can bake and freeze your muffins, loaves, and cakes. I slice the loaves and cakes, wrap them in plastic wrap before putting them in the freezer bags. I also buy the larger sizes of dish detergents, liquid soap for washing, toilet paper, etc., when they are on sale, so I don't have to buy those things every month. And don't forget to learn to shop when things are on sale.

So real and so funny lol 😂❤ !! Very helpful !

Right, my phone plan was £37 ($49) unlimited everything and I changed to £14 ($18) sim only for about 20gb data My internet was out of contract for a few months and they kept putting it up basically because I hate making phone calls lol, so I called and said I was out of contract and it was too much for only internet instead of internet/phone/tv package and they agreed lol and it went from £62-34 ($82-$45) EVERY LITTLE HELPS!

You are a smart, lovely young woman with very good financial advice and I commend you for all your hard work. I was a single Mom raising two girls and your advice to people is excellent. Keep up the good work.

Thank you for sharing 😂🎉

I believe the snowball effect will work if your displine enough I was currently in $40,000 debt in credit cards and well go to a point i wasnt able to pay not even min payments soo i thought wow Debt consolidation great boy was i wrong !! any one never ever due debt consolidation yet my credit score took a hitt big time yet i got sued just cuz this program screwed me over and not am i only paying more in soo many fees intrest everything stay away from debt consolidation if anything work with your creditors and figure out a payment plan yet i m still ways to go to pay off debt but its life lesson learn that i believe God will help me through this and move on

Hi Kim! Any new videos coming soon? How are you? You did very well on your yt , you grown so fast subscribers. Why you don't want to just focus on yt as your job?

Excellent advice!

We all need to understand just because we want it doesn’t mean we should get it. Love below our means. Pay off debt as fast as you can. Try to not use a credit card, and if you do keep it under 1K. I do not pay internet. I refuse to pay internet to anyone. Other than my mortgage or car loan. But even that it’s best to try and give a second payment. If for any reason you have to use a credit card. Don’t keep using it, just use the minimal. Living below your means helps so much., pack a sandwich for lunch.

I saved up money from cans and bottles we found when me and my daughter went with the dog. My dad brings the cans and bottles to the supermarket and gets money for it. And my dad he put it in savings for my daughter. I am saving for braces for my daughter. When she hits puberty she gets the braces and i can pay it of in one time.

I watch these hoping to take something of value from it but this one I felt didn't have much to it. Not being mean, just forthright.

I’m really happy that FINALLY I found someone who can speak realistically regarding lower income finances. ❤❤❤

I started budgeting when i got my first apartment 40 years ago. I don't understand why people don't budget. Nobody taught me to do a budget, it was common sense. I don't spend extra money unless I've thought about that item for a few months. Like last year i bought myself a new stereo for $1500. I saved for it for several months and got it for myself for Christmas. I prefer not automating my bills because my disability check comes on different dates and I'd rather pay when i get the check. I'm on a fixed income and i save $300-$500 a month. I prefer saving cash. It's put in an envelope and don't touch it. My savings is to fix stuff, vet bills, car repairs etc so I'm using the savings too often to put it into a minimum balance acct.

New subscriber! So glad i found your channel ❤

Thank you so much for this informational video. i received so much knowledge and insight from your wisdom. I am at the beginning of my financial journey of repaying off debt and I am a recent college graduate so its imperative that I am consistent to see progress.

You go girl! I have 20k in savings and 10k in debt and I am terrified to pay mine too 😢 You have inspired me.

My husband & I are working to be debt free before children. Cars down, credit cards to go. I feel so far from the finish line but your video was so helpful & has given me hope! 🫶🏾

Dollar general has cash back

I rolled over my 401k from my last job into an IRA. I have yet to find all 401ks from my previous jobs and roll them all into the IRA. I couldn't get a Roth IRA because 401ks don't automatically roll into Roth IRA without a tedious process, plus penalty fees (withdrawal and taxes). I am going to use these tips to invest in an automated bond ladder instead of a CD. I aim to keep my bond ladder for several installments and invest in at least 1 share in the S&P 500 by the end of 2025

I appreciate how you explain in such a clear and relatable way.

I love these tips! Thanks so much!

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I finally have a job where I make enough to pay my bills/debt and then have a good amount of money left over. My issue is not spending the extra money on nonsense and then having to use the credit cards im trying to pay off. This is a test of discipline for me 😭