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Right?! I’m really seeing the benefits of it now… before I kept thinking… I’d rather use all this to pay off a credit card. 🤦🏻‍♀️ I am a full blown Emergency Fund Stan now.

@@EmilySweven I had to use it on a plumbing repair which was necessary, but I am not looking forward to the grind of refilling it back up. I try to become Spartan-esque to speed it up but a girl can only eat so much beans and rice

Thank you!!! ♥️ I know right?? I thought for sure it would be over 1000 for sure. I was so relieved

Happy belated thanksgiving!!! I hope it wasn’t too stressful and I’m wishing you calming days!! ♥️ we got this!!! I love the idea of cleaning together! Although I could lay in bed all day too 🤩 lol They really do… it’s their sixth sense for sure. I think I’m going to make it a priority to build the emergency fund back up. It’s really saved me a few times.

Thank you! It takes a little extra time but I like the outcome!! Editing has turned into my favorite part. TH-cam tutorials are so helpful! I learned the talking head edit from “How to create circle/shape masking effect in Final Cut Pro” by the creator Ants Drone! Just in case you need a jumping off point 🥰

I can’t wait!!! I’m so excited to be rid of it! I can’t believe it’s in two months! BUT that’s so smart.

Yes!!! Ready to take on October 🥰

P.s you’re the sweetest ♥️

Ooooooh okay so not shady at all just lacked the knowledge! Good to know I don’t have to side eye them now 😉 thank you! I didn’t even know there were different types.

Welcome!!!!! I’m so happy to have you here ♥️

Honestly same… especially investing it seems so complicated so I’ve always avoided it!

Hahahah!!!! I feel like I have the chopping down! Last night I tried another new recipe… wow it was so good!! Makes me feel a little more confident in the kitchen when it comes together 🥰

I LOVE IT! It’s so gorgeous and the soft rain in the background is immaculate lol I don’t regret the purchase

That’s such a good idea! I need to go to the groceries so I’ll gather some recipes and take you along!!! ♥️

@@EmilySweven awesome - but no pressure … I’m just thinking of stuff where video-making and actual life overlap - so you still have some time to chill in between. 🤓 Maybe you can also do another outfit video. Like for the upcoming fall. Prepare like a color palette to show the viewers and go through all your clothes and fitting nail polishes and use those - I’m thinking brown, maroon, rust tones. Also back to meal prepping theme - there’s produce calendars and it shows you what produce is due and cheap every month - maybe check for September and October and meal plan accordingly- pumpkin for example. It’s good for roasting and soup too. Since you’re coloring you own hair and do your own nails, you could do a monthly frugal glow-up video too. Maybe do a part 2 of the money literacy journey too. You could go to the library check out two, three, four books and discuss points and quotes from these and maybe tell the viewers which ones you’re already doing and which ones you could improve on. Also, I think people like themed playlists on TH-cam - try sorting your videos that way maybe?! Like do money literacy, debt updates, beauty and fashion, maybe an Emily at home playlist for cooking, meal planning, decluttering, empties and such. Enjoy and keep up the good work! My actual name is Kathleen btw. David’s my teenage son. 🤪

You’re amazing!!!! 😩 I feel like I need to do weekly meal planning where I make meals that can be batch prepared. I LOVE wraps too I need to add them into the rotation. Also I’ve never made my own soup before either so maybe this is the perfect time to try!

I love that idea. To be honest I haven’t seen my credit score in a while since I know it’s probably not great. Maybe this is the perfect opportunity to rip the bandaid off and dig into it.

I did!!! I fought the temptation and just took a nap instead to stop the impulse buying

Oooo perfect! Honestly I’ll try anything especially if I get the audiobook version if they have one so I can listen while I clean. Which one would you recommend I start with first?

@@EmilySweven I Will Teach You To Be Rich would be a better starting place honestly

Oooh that’s a good idea I’ll try that today!! I took a scraper to it 😂

lol same. I was mind blown that there was a difference! I don’t think I could function without a bank account.. I’d never be able to keep track of my money lol

@@EmilySweven My kids are 12 and 7 and they already have bank accounts and debit cards LOL They are linked to ours so I can transfer money and watch all the transactions. Obviously, they don't really have transactions right now because they are so young, but I will be able to keep an eye on it when they get older and start going out without me. I'm trying to send them on the right path financially, at an early age.

I love that so much!!! That’s such a great idea and sounds like it would be so helpful to start them on a healthy financial foundation. ♥️

Me about to print this and hang it on my mirror to see it everyday ♥️ This itched my brain in such a beautiful way!!! Thank you so much for giving me a little guideline of where to start and a good base to sprout from!!! 🤩

And Leila for personal finance topics youtube.com/@personalfinancewithleila?si=clDXfLe9NNta9KkE

Thank you!!! I was feeling so overwhelmed of where to start so this is so helpful! ♥️

I feel like I could have written your comment myself. I don’t know really anything about investing but even on a surface level it’s always kind of felt like an ick idea. It almost is sold like a necessity in order to not be poor forever but I definitely can’t wait to look into it more to really remove the mystique of it all.

Oooh thank you so much!! I’ll look into them. I love a guideline since I kind of feel like I’m navigating through with my eyes closed lol

I did!! I went outside and refused to get on TikTok so I wouldn’t be influenced to buy! They almost got me though 😵‍💫

I didn’t do it! I think the buying impulse has passed. 🫨

But but but!!!! 😩 the impulse to buy is so strong

Ooooh! That’s a good idea! Something to keep track of ALL transactions? How did you lay it out in the columns?

​@@EmilySweven Yep, anything coming in or going out of our checking account. I added it to the right of the breakdown pie chart. It includes the transaction date, (or projected date) a note about what it is, the amount (positive or negative) and the remaining balance after that transaction. I added conditional formatting to make the numbers change color based on if it's a deposit or a deducation. It helps my brain so much to have things color-coded! To get the remaining balance, it's a formula that sums the previous remaining balance and the amount of the transaction. I just carry that formula all down the column. Once the transaction has fully cleared our checking account, I strike through it. I feel so much on top of what's actually happening with our accounts having the running balance right there.

Also savings I would do 89 - to make it 400 😜.

Yes! I want it gone asap so I don’t have to think about it anymore and get back to paying off the cards 🥳 especially since there are only 3 left

I dont 😩 that would be so cute! I have dark green wide legs pants that I almost wore but it was giving shaggy from scooby doo so I have to change lol

I would love that! I’ll ask them if they wouldn’t mind! Right?! I always have these little things that come up and annoy me like none other so I think taking the time during my resets to take care of it would be so nice.

Good! Sometimes there are quick things that I’d love to update on but doesn’t really fit in a video so I thought shorts might be perfect for that lol

Same!!! It’s always a mile long and then I get sad when I only cross off 2 out of 50 lol

Thank you!!! ♥️

Those Pilates classes look so intimidating!!! How was it? Was it really hard?

@@EmilySweven Theres one or two exercises that I can’t do. But for the most part it’s alright. You will feel self conscious - but I think thats part of it. I do my classes with my local university - externs can join their classes at a slightly higher rate. Everybody is in their twenties their as they’re students. Maybe you could look if there’s community centers that offer free or more affordable classes. I bet there would be more mature women there that would be beginners too?

@@EmilySweven I think garden work is good for your fitness too. Just walk around pull some weeds. And also throw a ball with both arms to play with your dog. Make yourself a nice little cool fizzy drink 🥤 We have sthg called Schorle - which is a third apple juice and two thirds sparkling water. It’s lower in calories than soda but still nice enough.

That’s a good idea! I’ve always wanted to try Pilates and I think I even bought a dvd once that I never watched but I need to leave the house more 😂

Omg! I LOVE apple juice! I need to get sparkling water in my next grocery haul and try that. Ooooh I do need to clean up my backyard… it’s looking a little apocalyptic… I think I’ll do that this week! Good for my house and good for me! ♥️

I know!!! At first I didn’t think anything of it until I realized how close it cut to the concert 😩 It was such a fun trip but I still get a twinge of spite when I think of it lol

I totally feel you!! I barely ever leave the house anymore. I would love that! Swimming seems like such a good workout too. I was thinking of looking for a gym with a pool but didn’t want to may the membership lol

@@EmilySweven I'm a heavy woman, so being in the water makes exercising a LOT easier. I can train for a longer period of time, and I'm in a lot less pain afterwards. Also, and it's not a small point.. I ENJOY it. I don't suffer the whole time. So, I'm way more motivated.

Yes!!!!! 🙌🏼 this! I feel like it’s so hard for me to find something that doesn’t feel like a punishment. My friend Laura said she would let me use her trampoline since that’s how she found joy in working out and it isn’t too bad on the joints. I’ve always loved swimming and thought about getting a lap pool but since I’m working on paying off debt that can be something I work towards. ♥️

@@EmilySweven I see the benefits of my swimming sessions on my body but to be honest, I see the most difference on my mental health. I feel such at peace when I'm in the water. So, if trampoline is something that makes you feel joy, disconnect from the world for a few minutes, and shut your brain down from all the noise that comes with daily stress... by all mean, jump away!

Thank you!!! I really had fun with it! Hahahah! Power washing is so accurate 😂 when I was watching it back I was like wow… is THAT how hard I wash my face?!? lol That’s a good idea!!! Good for both the pup and me! I’m going to try this today!!

It was so beautiful. Some of the most beautiful architecture I’ve seen. 😊

Oh okay! It felt to be a fair price. But honestly if it’s a beautiful environment and they give me latte art I’ll love them lol

Oh I came close a few times but I tried to keep checking my total before I went to sleep everyday so I had a general idea of what I was spending. It still didn’t quite work BUT I think mentally it made me say no a bit more lol Especially since I’m a recovering credit card swiper. 😂

Same! I really had a wonderful experience! Of course!! I’ll zoom in on the specific parts I’m talking about next time so that it fills the screen. Then you can see better! Oooooo I like the percentages idea! I’ll look into how to do that and see if I can add that in! You always have the best ideas! ♥️

@@EmilySweven my sentence made no sense- I meant a column stating the months you still need to pay them off. Not a whole calculation with interest added - just maybe the simple version of what’s owed entirely divided by whatever you pay each month.

It made sense to me! I understood what you meant 😊 but yes! I could do a more simple summary (lord knows my brain would prefer it) I like the idea of keeping a running tally on the same page as my budget. Maybe just down at the bottom for easier access too.

I loved both places!!! So beautiful 🤩 and some of the most polite and lovely people! ♥️

It’s been so fun so far!! 🥰

It’s been so wonderful!! ♥️

I’ll take a look into my pantry and see! I’ve cleared out a lot of ingredients in there over these few months to save money but we might be able to do a little something!! I’m so excited! I definitely plan on take pictures and videos. I may not do a lot of talking but I really want to document this trip since it’s the first time I’ve been overseas! 🥰

Yes!!!! I feel the exact same way! Like I just need to sit in silence for a minute to just breathe out the mental sleepiness 😂

Yes! We almost had to book a plane to go between our destinations but I convinced them we could romanticize a train ride instead lol I know! There were a few places I was looking into and they all wanted about $80 for a trim lol until I can budget that better I’ll snip it myself. It’s not the best but it’s livable with how I style my hair! 😂

PS: Just a little reminder to ease the fear. Nothing will happen to you on your flights. I sent a request to the big man 👆😂 jk - I’m too invested in your videos.

Thank you!!! I will take all the thoughts a prayers I can get ♥️ at least this investment won’t cost you money! We’re on a budget!!! 😂

I’m happy you liked it!! ♥️

That’s so smart! I have a power bank from a previous trip that has a 12 hour charge so that should be perfect. Yes! I’m a notorious over-packer so my goal is to pack a bit on the lighter side since we’ll be doing a lot of hotel hopping.

I definitely didn’t know that 😆 I was for sure looking at the wrong plug then lol good catch!!! ♥️