I can absolutely go over it in my Sunday video. But it is pretty self-explanatory in this screenshot that that I put in this video you’re basically gonna be able to budget. If you get paid biweekly then you’re going to have a section next to that where you can account for your expenses each week as well as just have the income there that you’ve already budgeted for. And then there is a debt tracker where you can plug in your interest rate your payment periods and you’re gonna track your debt for the next 12 months and there is also a high savings account tracker for the next 12 months.
Love the video! Insurance here in Florida is crazy! Good job in bringing that down… Maybe you can get some bang for your buck by looking at variable expenses- like groceries 🥴…. And maybe you can negotiate with internet company and phone company for a discount… you could get an by extra 100 - 150 bucks by doing this and throw this into HYSA…. And boost up your number 🥴 Always trying to see how I can maximize contributions
Honey, I only paid $25 a month for my phone plan. My phone is paid for the phone itself. Cable and Internet I am forced to get spectrum by my apartment community. I don’t know if you rent but a lot of apartment communities have basically been partnered with spectrum and you pay for cable and Internet. It’s about 70 $75 and it’s built into your rent and you can opt out of it but you’re still gonna have to pay for it. You just won’t be able to get the services you’re basically forced to get this in essence. There’s not any way around it if you wanna live at certain apartment communities like the one I live at.
Good job! Now that you have steady TH-cam income, might I suggest that you designate a percentage (20%?) of the monthly income to paying extra against your lowest balance credit card. I.e., this month it would be $50 of the $250 YT income. This makes sense since your content is about paying down your debt and what better incentive than seeing your debts get paid off quicker as your channel grows. If you do that, I would,bet that your cc debts will be cleared by the end of 2025…a great goal to shoot for! I’ll also bet that by doing that, your subs will be more apt to watch and share your content as they’ll be personally invested in your success. Also, keep encouraging your Army daughter to get a payroll deduction monthly to invest in her TSP (military 401’) the minute she reports to basic training. Have her invest a portion of each paycheck up to the match (I think it is 6%)…don’t let her leave free money the military will match on the table.
I normally put all of my money on, just cause it’s not like a ton and I’m not too worried about the taxes but for the moment I’m holding off just because it’s the end of the year and I do wanna have some of that money set aside for taxes
You all for all your support. I love you so much.
Awesome that you have a spreadsheet. This will help you pay down debt
Yes it does!
Just found your channel
Loving it so far
I love these comments welcome to the family. I can’t wait to hear more from you in the comment section.
17:25 volume up. Scout shredding paper or something!😂
Yes, scout was shredding some wrapping paper
Great spreadsheet ❤
Thank you!
Hi Rachel, will you give a teutorial of the template so we know what we are purchasing? Well done you, this will help build your savings! 🙂
I can absolutely go over it in my Sunday video. But it is pretty self-explanatory in this screenshot that that I put in this video you’re basically gonna be able to budget. If you get paid biweekly then you’re going to have a section next to that where you can account for your expenses each week as well as just have the income there that you’ve already budgeted for. And then there is a debt tracker where you can plug in your interest rate your payment periods and you’re gonna track your debt for the next 12 months and there is also a high savings account tracker for the next 12 months.
Love the video! Insurance here in Florida is crazy!
Good job in bringing that down…
Maybe you can get some bang for your buck by looking at variable expenses- like groceries 🥴…. And maybe you can negotiate with internet company and phone company for a discount… you could get an by extra 100 - 150 bucks by doing this and throw this into HYSA…. And boost up your number 🥴
Always trying to see how I can maximize contributions
Honey, I only paid $25 a month for my phone plan. My phone is paid for the phone itself. Cable and Internet I am forced to get spectrum by my apartment community. I don’t know if you rent but a lot of apartment communities have basically been partnered with spectrum and you pay for cable and Internet. It’s about 70 $75 and it’s built into your rent and you can opt out of it but you’re still gonna have to pay for it. You just won’t be able to get the services you’re basically forced to get this in essence. There’s not any way around it if you wanna live at certain apartment communities like the one I live at.
Good job!
Now that you have steady TH-cam income, might I suggest that you designate a percentage (20%?) of the monthly income to paying extra against your lowest balance credit card. I.e., this month it would be $50 of the $250 YT income. This makes sense since your content is about paying down your debt and what better incentive than seeing your debts get paid off quicker as your channel grows. If you do that, I would,bet that your cc debts will be cleared by the end of 2025…a great goal to shoot for! I’ll also bet that by doing that, your subs will be more apt to watch and share your content as they’ll be personally invested in your success.
Also, keep encouraging your Army daughter to get a payroll deduction monthly to invest in her TSP (military 401’) the minute she reports to basic training. Have her invest a portion of each paycheck up to the match (I think it is 6%)…don’t let her leave free money the military will match on the table.
I normally put all of my money on, just cause it’s not like a ton and I’m not too worried about the taxes but for the moment I’m holding off just because it’s the end of the year and I do wanna have some of that money set aside for taxes
44 😮😮😮 hopefully yt pays off for you .. or stop lying
Lying about what?
Remember.... the borrower is slave to the lender. Stop the debt slavery. Open your Bible to the book of Proverbs chapter 22 verse 7.