So, as a Greek, I am the economic crisis veteran. First of all, don't worry, you won't experience the devastation we have experienced for the last 12 years. It affected primarily those of us who are now 25-45 and the stories we can tell you are a pure nightmare. My little advice is this: chin up and don't stop buying. You don't have to go for a high price point, but still try to buy things that bring you joy so that you can PSYCHOLOGICALLY survive this crisis. You MUST become strategic buyers and great planners. We make a meal plan for a week and buy that. It helps prevent overspending. With fashion buy staples. I wish you will never go through what we've been through, I wish that you will continue to be a happy and priviledged generation. Be patient and take care everyone.
Thank you very much for your reply and your comments. I am in the United States and we are feeling the increase in groceries specifically butter, eggs, and meat shortages.
@@ladykathrynperry9094 I am sorry to hear that you are having a hard time. We also experience the same things, with the only difference being that we are so accustomed to this type of situation. It doesn't make an impression.
Having been through 2 periods like this, one where the interest rates went up to 14%, the only thing I would say is “don’t blame yourself”. The media wasn’t as thorough then and we just thought it was down to how we ran the business when things got tough. But as has been said, you plan and get through it. It doesn’t last long.
As regards commission drop, you have also started featuring more and more premium brands, both clothing and home, and I imagine fewer people can afford those.
Josie you just get better and better. The section on financial was brilliant. You have done something that other influencers haven't which is address the economic elephant in the room. This must be a worrying time for those whose livelihoods depend on people spending. I was in a fixed term mortgage which was due to end in Nov 2022. In March this year I foresaw that interest rates would go up. I shopped around and paid an early redemption fee to get out of the remaining fixed term and got a new deal and fixed in for 5 years. It has already paid for itself. First time I have ever predicted with accuracy. I know nothing about stocks, shares or investing. Well done for talking about this. A lot of people will be cutting out non-essentials.
Rachel, was just thinking that after I just watch one influencer who seems to do one thing to their house only to rip it out and put something else in it's place.
@@Magarita810 - Huge waste of money, but it does keep the locals employed. :-) I don't follow the mindset of ripping things apart and filling up landfills because you've changed your style over a span of one year or so. People can do what they want with their money, but seriously the landfill issue is a huge turn-off for me.
We paid our mortgage off at new year, so happy we could do this (after a couple of years hard saving), as with soaring energy prices, it means we won't be so hard hit. We remortgaged a few times (with lower interest rates and shorter mortgage period each time), the last time we did so we had a 10 year flexible rate capped mortgage which gave us a good interest rate, and in theory we should have had 3 years left - the plan was to save, so that we could pay the last bit off, but we knew that even with worst case scenario, (us not having saved enough and potential soaring interest rates) we could remortgage so our monthly payments were do-able even if it meant paying the rest over more than 3 years. We looked into remortgaging a couple of times during the last 10 years, but the gains were negligible and the administration costs too high. If I was taking out a mortgage now, I'd be going for a fixed rate for the whole term (which is what we started out with), because there's peace of mind knowing that you're never going to pay more than that. As far as pensions go, it generally makes more sense to invest early, as this money gets to work (and hopefully grow) over the max number of years. As Josie says, make sure you get good advice as everyone's situation is different. And be aware that banks are trying to sell you a product (their loan) so their advice may be biased. With our old bank, as soon as our mortgage was paid, we weren't attractive customer's so our bank charges went up - we've now moved banks!
I’m 16 and i always wish that we will be taught about finance but we never are. Thank you for explaining it as its so important and is something we should all be educated on xx
Just to flag Josie, the interest rates going up is actually a tool by the Bank of England to CURB inflation. It doesn’t drive inflation increases. When the bank increases interest it encourages saving as you said so the objective is to reduce inflation. Shortages in supplies, or excessive demand drives inflation
Yes! Speaking to the situation in the US right now, there have been too many dollars out there competing for products. It's a supply and demand situation that is driving inflation. Boosting interest rates cools off spending and eventually brings inflation back down.
I love the relationship you have with Freddy……after watching I called my girlfriend, who I don’t see often enough, to have lunch. Women need other women in their lives, especially those one can laugh and be silly with. ❤️
Every vlogger/ lifestyle blogger / magazine should touch on finances. It’s SO important for women especially to have the freedom of choice in who they live with / the partner they choose and the power they have in all relationships -not to mention how they live in their advanced years. The sparkly dresses and shoes and the spending are giving me life. But for for these channels to be more than aspirational fantasies we need to know how to make the money and keep some of it /manage it well. Well done Josie!
Thank you Josie for sharing some finance advice on this video💗✨. I finished school nearly five years ago and was never taught anything on finances and all the other elements on day to day living in the real world. The government really need to get their act together and start implementing this in schools, because it causes such confusion and anxiety when you just don’t know where to start with all of this!
Thank you for adressing the inflation! wish more influencers would do that. find i quite hard to relate to buying designer bags (dont get me wrong, i love them) when everything in our day to day life becomes more and more expensive!..
Thank you for sharing about financial aspects of your career Josie. You have a 58 yo and 28 yo both watching your channel - mother & daughter. We love following your stories and daily day to day. You are so industrious and always seem to have a go at things and it’s what we enjoy so much about you.
Wow thank you josie. Thank you for bringing up about the economy. For a while I’ve been watching so many vlogs, stories etc and thinking to myself all these influencers are just sell sell sell, I mean I get it it’s their job…but for the average people like myself it can be hard to see when your worrying about heating your home. I really respect that you touched down on this subject.
This was an absolutely amazing vlog. You touched on so much! First, your dress to the opera was incredible. I don’t know which one you went to but if you were less than enamoured with it, may I suggest you see The Barber of Seville next time. It’s fun and very entertaining! As for your financial piece, it’s never too late to learn and get a handle about how money and the world we live in work. I totally agree it should be taught in school (we are making some headway in this regard here in Canada) but as parents, we took it into our own hands and shared everything we knew with our children during their teen years. We didn’t want them to go out into the world without this very important tool! But it does seem to be a difficult topic for many. Keep doing YOU…you never know how your opening up about finances might help someone.
Thank you Josie for affirming my instincts for the market. A real soul soother was watching the doggies and bath time. I loved the glittery dress on you. I can see renting a dress with a train would be a one off wear and worth it.
Love the Finance piece Josie! I work as a financial planner for a career and am 25 years old for age reference. I agree with what you are saying, there is a lot of uncertainty in the economy right now but the best way to learn is from the history of the economy. My best advice for anyone is to live within your means, don't let lifestyle creep catch up to you. Hold your investments because once it goes back up, you will reap the benefits! Bull economy will be on its way soon!
I totally agree with you about being taught more at school, I am in the older age group of your analytics , 54! I was never taught about interest rates, mortgage rates etc, I didn’t even know what an overdraft was, i think it’s very important to know how to budget so we don’t get into debt at an early age. This has to be a priority rather than being taught about subjects that will never be of use to you when you leave school.
Josie, thank you for covering this topic about the current economic situation. I am usually watching your vlogs in order to see a beauty and get relax after work and bad news during the day. But life is real and I happy that you cover the topics that really anxietes everyone. Thank you🌸
Loved this vlog! As always I find the vlogs fun but informative whether it’s travel or finances they are always so interesting with a little frivolity on the side PERFECT! 🎉 As you have always promoted, classic purchases are timeless and enjoyment can be found just by walking and taking in the local countryside. The fact you are so grounded and appreciate life has made you so popular and enjoyable to watch 🥰 xx
To 6:22 I tell this for other girls, who dońt want to make that faux pas. Although Freddy looks of course gorgeous, it´ s not appropriate to wear sandals in an Opera. Unfortunately, nowadays no one teaches these things to girls….Hugs!
Oh I love your vlogs and your little fur babies in the sink looking at you is such the sweetest , so adorable thank you for sharing your feel good vlogs You make me smile every time xxxxx
Loved this so much. Your financial chat was so informative and very interesting. It’s definitely something we should be taught about in school! Those little sausages are just too cute! Xxxx
hahaha.. "One direction, Like a crocodile! " Hilarious comment from Freddy.. I am laying here on my sofa.. *SICK* with a creepy cold, headache, body aches, sneezing, ( general icky) and you two are always such a joy to watch... I love it when Josie and Freddy let us tag along with them. Brightened my rather unpleasant day with your gorgeousness and laughter. I need those earrings the two of you are wearing to the Opera.
Thanks for the financial talk. I am a fashion shopping addict but I made a commitment to stop buying anything fashion related until I hit a particular financial goal. At that point when I reach my goal, I told myself I could get 1 fashion item. It has been almost a month and I know it is still early but I suspect it will take me about 6 months to hit my financial goal. I am also greatly reducing other expenses where I can. For example I love reading but I told myself no more buying any books until I read at least 10 books. It is so easy to walk into a book store or browse on Amazon and buy a book that looks interesting. The book can wait. I've committed to no Black Friday shopping and I will only being buying a small number of Christmas presents for just a few people. I've loved shopping for years but it got so much worse during the pandemic because I wasn't going anywhere. I wasn't spending money on travel or basically any type of entertainment. I sort of recently woke up and came to the conclusion I have to stop the shopping. I want to start traveling again and doing other things. I'm 46 by the way. I'm at the age where isn't isn't my first recession but I do think I was a more savvy shopper durning the last one. I do have a retirement acct, and other investments that I haven't touched. I think this is a wake up call for everyone. Edited due to the fact of another comment I saw: Regardless of your level of understanding on the topic, it is a wonderful thing that you started this conversation and are learning. You don't have to be an expert on something to start a conversation. Sorry for going on and on but I'm seriously impressed you were open to this discussion on a public forum.
@@racheloates6880 I def will. This is embarrassing but I probably have 100 unread books already. They were absolutely not all recent purchases. Some of them go back literally a decade or more.
@@KarrieStanfill that's not embarrassing. We are in the same age category. I have lots of clothes I have never worn but am buckling down and selling those I don't wear on Ebay. If you are not going to read the books see if there is a website that you can sell them on? X
@@racheloates6880 I do plan on reading them (eventually lol) and then will take them to a used Book Store to sell after I've read the books. I live in Nashville, TN and we have a very large used book store that will buy books. I used to try and sell them on eBay but didn't have a lot of luck in the book department. I sell my unwanted or no longer can fit into it fashion on Poshmark. I'm dreading the income tax I'm going to have to pay from the 1099 they send me. I'm hoping it is off set by my charitable giving so I don't owe anything.
@@KarrieStanfill I am in the UK so it may differ but I have not made any profit on any of the unwanted clothes I have sold on Ebay. I am selling things in my wardrobe that I haven't worn or stopped wearing that I originally paid full price for and reselling never gets me back what I paid for it! I do send books to charity too. You can do this buckling down! It's amazing how little we really need in life.
Josie! You're so RIGHT!! We need to demystify money and unstable times. I'm 56... and I've been through a couple recessions. I'm here to tell you that not everyone has the same experience, but mine was positive. I was always working, and working in Higher Education IT, so I was working a LOT. I was able to help support charities, and so forth. This time, I've just retired. Yikes! But the thing is... there's no real reason for this recession. People are still working, jobs are still very available, as you've said... so there's no real boogeyman. I'm an optimist with a good, stable pension. I know that with responsibility and care, and a rehiring of all those positions (like mine), where folks have retired... this will not be something of which to be afraid. Yet, I've been careful now with purchases...and supporting those who need support more than I. Giving and spending (a bit), continually, is what helped in years past. Just my experience... go forth without fear, Fear...(see what I did there?) Economies always bounce back...
Hi josie catching up on all your videos in my watch later list! Fantastic video educating people. I am a GCSE and A level teacher and this is a open conversation I have with my students regularly. It is nice to see a content creator like yourself speaking of these issues because it is very easy to be in any sort of bubble and forget how things such as saving, spending and borrowing is affecting people’s lives. I hope the influencer industry become attuned to what is going on and understand spending will be decreasing in a very long recession to come. Love your videos 💛🥰
I'm glad you enjoyed the Opera - not really my cup of tea either but there are some fantastic arias from the more well know ones e.g. Turandot/Nabucco/Madame Butterfly. Which one did you see? Btw the 'words' are called the 'Libretto' and all Opera houses screen them in English as Operas are often sung in Italian (or German if you're seeing Wagner). Often they're on the back of the chair in front of you - like La Scala in Milan (you can actually choose your language there). Get a CD of Opera classics - it's a good way of getting to know the music.
I think it would be very difficult to sell the invisible. You sell a lifestyle, a brand. I am not your primary demographic, I live on a budget, but I do enjoy your videos. Your budget suggestions, like clothing from Amazon are helpful. But the few times a year I do splurge, I take note of the luxury items you share or educate us on, and this allows me to feel more informed on the items I feel will last for years. I don't mind people doing what you do, as long as they actually believe in and enjoy the product.
I took a personal finance class in college, and I still feel like there’s more to be covered that an entire semester couldn’t encompass! There’s just so much to know and learn! And You, Freddy, and Em looked absolutely stunning!! 🤍
Loved your dress you wore for the opera. The shape on you was fabulous. I think your wedding dress should reflect this design, so elegant. Thank you for such a high content vlog. Was impressed you kept your talk flowing whilst the lawn mower was on!!🦋
I love that you talk about finances and how it should be taught in school. I had absolutely no "economy" classes (I live in Québec, Canada) and I honestly went into my adult life not saving anything, not investing, spending without thinking and I ended up in huge debt. I love that you're being transparent and honest, and that you're also explaining the current situation! Thank you Josie ❤️
I was listening to the news here in Ireland, basically saying average mortgage over the last few years is 300.000 euros and with interest rates going up it means for every 100.000 you are paying a extra 150 euros a month more and it's going up again. That with everything else, give an example, before Christmas a bag of coal was €19.50c now €30. So 3 bags of coal a week is about €31 more, To fill a tank of home heating oil 900 litres was well under €500 now around €1200, and u would fill it up two and half times a year so say 1800 a year more, we used to put about €300 into the car and got 4 weeks it's about €600 or more . A average family of 4 are spending around and this is at the bottom end €30 a week more on food shop. My electricity bill was always 93 to 95 a month just before Christmas was 110 now 200. So if u say your mortgage u have is 100,000 its costing around / your spending €173 a week more for the same things. And if the mortgage is 300.000 thats around €248 a week more. ( that's not Including your home heating oil . ) I think people are just not going to spend only on essentials. And this is going to effect people of all ages. And looking at it the uk is the same if not worse. I did do calculations very quickly while listening and watching u.
Josie! I thoroughly enjoyed your vlog. You looked absolutely gorgeous in that dress. I am an opera buff who always dress to the nines for the opera. Next time listen to a few arias on You Tube before going to the opera. Most theatre have discussions an hour or so before the performance, this will give you an idea of what the plot is about. Thus, allow you to concentrate more on the performance than on the overhead supertitles. All three of you looked beautiful.
A fabulous idea to address the economy! Thank you for doing that! You did a great job explaining what you have learned ! I think you have elevated your channel by taking time out to discuss finances in this very stressful economic time!❤
Hello, How lucky Josie, the first time at the opera is unforgettable. I take the bet that it will not be the last time, but the beginning of a passion. It's a magical universe !
Hi Josie, financial knowledge is so important for us all, but particularly, I feel, for women so we can be financially independent. As they say ‘information is power’ and when you understand what’s going on you have more control. My second piece of advise is ‘live within your means’ and be honest about what you really ‘need’. Don’t feel hard done by with economising; for long term financial comfort, most of us need to decide where we want to be in the future (property ownership etc) then plan backwards to where it all starts… today! 👍
Exactly what I was thinking Josie when I saw those rainbow chard leaves. They’re large. Yummy pistachios are so good for you. You’re becoming such a good cook.
Here in the United States, what you’re saying is correct! I would encourage everyone also anyone that can afford to buy their basic groceries do so now rather then later! You will want to be able to stabilized them so on your shelf they last for a long period of time!!! Now would be the time to stock up, as gas prices go up,, and diesel fuel becomes very difficult to get, at least in the USA. It would behoove us all to have a well-stocked pantry!!! Flour, Sugar, Salt, herbs,& seasonings that would be what I stocked up on, also dried milk, because milk may be hard to come by!
I’ve been watching “Your Rich BFF” on TH-cam, and she has been a lifesaver with learning about the economy and money. Almost all of my fear and anxiety regarding the unknown of what’s to come has dissipated.
I also recommend “She’s on the Money” podcast, I love when they invite their listeners to share their income, savings, and financial questions. Very eye opening!
Josie your dress is gorgeous, you look stunning. Love a Josie and Freddy vlog, your both very elegant. Enjoyed this video so much, while packing to move house
Good morning beautiful darling josie I hope you Charlie Dickens and dexter are well it's so lovely to see you again thanks so much for sharing your lovely vlog you and your lovely friend freddy have a wonderful time in london stay safe xxx
Enjoy seeing all the beautiful dresses,the hotel looked lovely. I spotted a shake shack near my parents, I must try it. As for finance talk, I enjoyed it. I have been through 2 recessions, so I'm anxious, but keeping myself focused on work. I am glad u addressed this talk, if only to get people curious and look at stuff like this for themselves. I learnt so much in the past 10 yrs re:mortgages and pensions. On a lighter note, the doggies after a bath are so cute 🥰🥰🥰😆
Even here in the US, finances are not taught widely or nearly enough! I'm thankful my dad works in the stock market, so I learned a bit of this from him and always have him as a resource, but nothing beats a little trial-and-error investing yourself and watching your money move!
Hi Josie Darlin😊. This video on finances was so valuable ❣️❣️. I’m in your 7% bracket (73), but I’ve been a loyal follower for almost 4 years now. ADORE your style & cooking videos. Ten years ago I read a book by Dave Ramsey: Total Money Makeover. It changed our life!!! I wish we had gotten smart about money/saving/spending when we were your age; we learned late.😮. But it did make a HUGE difference by applying what we learned. Just goes to show it’s really never too late to “smarten up”. Wishing you bliss & blessings💛🧡❤️
Could you please add to your description box the Ukrainian brand of hairband ? Thank also to Freddy for the discovery. (If you come to Athens I will make you around in one of the important music venue where I have the luck to work)
So, as a Greek, I am the economic crisis veteran. First of all, don't worry, you won't experience the devastation we have experienced for the last 12 years. It affected primarily those of us who are now 25-45 and the stories we can tell you are a pure nightmare. My little advice is this: chin up and don't stop buying. You don't have to go for a high price point, but still try to buy things that bring you joy so that you can PSYCHOLOGICALLY survive this crisis. You MUST become strategic buyers and great planners. We make a meal plan for a week and buy that. It helps prevent overspending. With fashion buy staples. I wish you will never go through what we've been through, I wish that you will continue to be a happy and priviledged generation. Be patient and take care everyone.
Thank you very much for your reply and your comments. I am in the United States and we are feeling the increase in groceries specifically butter, eggs, and meat shortages.
@@ladykathrynperry9094 I am sorry to hear that you are having a hard time. We also experience the same things, with the only difference being that we are so accustomed to this type of situation. It doesn't make an impression.
Having been through 2 periods like this, one where the interest rates went up to 14%, the only thing I would say is “don’t blame yourself”. The media wasn’t as thorough then and we just thought it was down to how we ran the business when things got tough. But as has been said, you plan and get through it. It doesn’t last long.
@@viccifranklin3165 You know, one of the most devastating things we’ve experienced was this: “you deserve what you got”. It broke our heart
Such necessary, wise and beautiful words!
Thank you for sharing your reality, unfortunately it's the reality of many 💔
As regards commission drop, you have also started featuring more and more premium brands, both clothing and home, and I imagine fewer people can afford those.
Josie you just get better and better. The section on financial was brilliant. You have done something that other influencers haven't which is address the economic elephant in the room. This must be a worrying time for those whose livelihoods depend on people spending. I was in a fixed term mortgage which was due to end in Nov 2022. In March this year I foresaw that interest rates would go up. I shopped around and paid an early redemption fee to get out of the remaining fixed term and got a new deal and fixed in for 5 years. It has already paid for itself. First time I have ever predicted with accuracy. I know nothing about stocks, shares or investing. Well done for talking about this. A lot of people will be cutting out non-essentials.
Rachel, was just thinking that after I just watch one influencer who seems to do one thing to their house only to rip it out and put something else in it's place.
@@Magarita810 we watch that same influencer. People can spend their money on what they like in my opinion. But I know what you mean!
@@Magarita810 - Huge waste of money, but it does keep the locals employed. :-) I don't follow the mindset of ripping things apart and filling up landfills because you've changed your style over a span of one year or so. People can do what they want with their money, but seriously the landfill issue is a huge turn-off for me.
We paid our mortgage off at new year, so happy we could do this (after a couple of years hard saving), as with soaring energy prices, it means we won't be so hard hit. We remortgaged a few times (with lower interest rates and shorter mortgage period each time), the last time we did so we had a 10 year flexible rate capped mortgage which gave us a good interest rate, and in theory we should have had 3 years left - the plan was to save, so that we could pay the last bit off, but we knew that even with worst case scenario, (us not having saved enough and potential soaring interest rates) we could remortgage so our monthly payments were do-able even if it meant paying the rest over more than 3 years. We looked into remortgaging a couple of times during the last 10 years, but the gains were negligible and the administration costs too high. If I was taking out a mortgage now, I'd be going for a fixed rate for the whole term (which is what we started out with), because there's peace of mind knowing that you're never going to pay more than that.
As far as pensions go, it generally makes more sense to invest early, as this money gets to work (and hopefully grow) over the max number of years.
As Josie says, make sure you get good advice as everyone's situation is different. And be aware that banks are trying to sell you a product (their loan) so their advice may be biased. With our old bank, as soon as our mortgage was paid, we weren't attractive customer's so our bank charges went up - we've now moved banks!
I’m 16 and i always wish that we will be taught about finance but we never are. Thank you for explaining it as its so important and is something we should all be educated on xx
Just to flag Josie, the interest rates going up is actually a tool by the Bank of England to CURB inflation. It doesn’t drive inflation increases. When the bank increases interest it encourages saving as you said so the objective is to reduce inflation. Shortages in supplies, or excessive demand drives inflation
Thank you for pointing this out.
Yes! Speaking to the situation in the US right now, there have been too many dollars out there competing for products. It's a supply and demand situation that is driving inflation. Boosting interest rates cools off spending and eventually brings inflation back down.
I love the relationship you have with Freddy……after watching I called my girlfriend, who I don’t see often enough, to have lunch. Women need other women in their lives, especially those one can laugh and be silly with. ❤️
Every vlogger/ lifestyle blogger / magazine should touch on finances. It’s SO important for women especially to have the freedom of choice in who they live with / the partner they choose and the power they have in all relationships -not to mention how they live in their advanced years. The sparkly dresses and shoes and the spending are giving me life. But for for these channels to be more than aspirational fantasies we need to know how to make the money and keep some of it /manage it well. Well done Josie!
Hard times aren’t coming. They are already here. We are living it.
Absolutely adore the financial talk! ❤
Thank you Josie for sharing some finance advice on this video💗✨. I finished school nearly five years ago and was never taught anything on finances and all the other elements on day to day living in the real world. The government really need to get their act together and start implementing this in schools, because it causes such confusion and anxiety when you just don’t know where to start with all of this!
Thank you for adressing the inflation! wish more influencers would do that. find i quite hard to relate to buying designer bags (dont get me wrong, i love them) when everything in our day to day life becomes more and more expensive!..
The chemistry between you and Freddy is priceless ❣ liked your money talk, it made perfect sense. x
Dicky and Dexie after the shower are the cutest thing ever . Also the financial talk was really useful ♡
Thank you for sharing about financial aspects of your career Josie. You have a 58 yo and 28 yo both watching your channel - mother & daughter. We love following your stories and daily day to day. You are so industrious and always seem to have a go at things and it’s what we enjoy so much about you.
@@maxinebentley4747 kindly refrain from this sort of commentary
Josie you seem like such a genuine person. I admire your wise and laid back aura.
Wow thank you josie. Thank you for bringing up about the economy. For a while I’ve been watching so many vlogs, stories etc and thinking to myself all these influencers are just sell sell sell, I mean I get it it’s their job…but for the average people like myself it can be hard to see when your worrying about heating your home. I really respect that you touched down on this subject.
Josie and Freddy together 🥹 Freddy brings out the very best parts of your personality!!
65 plus, retired 11 months getting married 12 November. Couldn't be happier. Love you and Charlie.
Congratulations to you and your groom.
@@sandyhossman7771 thank you
How wonderful, blessings to you and your soon to be husband ❤️
Congratulations! I wish you a long and happy future together!
This was an absolutely amazing vlog. You touched on so much! First, your dress to the opera was incredible. I don’t know which one you went to but if you were less than enamoured with it, may I suggest you see The Barber of Seville next time. It’s fun and very entertaining! As for your financial piece, it’s never too late to learn and get a handle about how money and the world we live in work. I totally agree it should be taught in school (we are making some headway in this regard here in Canada) but as parents, we took it into our own hands and shared everything we knew with our children during their teen years. We didn’t want them to go out into the world without this very important tool! But it does seem to be a difficult topic for many. Keep doing YOU…you never know how your opening up about finances might help someone.
Thank you Josie for affirming my instincts for the market. A real soul soother was watching the doggies and bath time. I loved the glittery dress on you. I can see renting a dress with a train would be a one off wear and worth it.
Love the Finance piece Josie! I work as a financial planner for a career and am 25 years old for age reference. I agree with what you are saying, there is a lot of uncertainty in the economy right now but the best way to learn is from the history of the economy. My best advice for anyone is to live within your means, don't let lifestyle creep catch up to you. Hold your investments because once it goes back up, you will reap the benefits! Bull economy will be on its way soon!
Thanks for the advice x
I totally agree with you about being taught more at school, I am in the older age group of your analytics , 54! I was never taught about interest rates, mortgage rates etc, I didn’t even know what an overdraft was, i think it’s very important to know how to budget so we don’t get into debt at an early age. This has to be a priority rather than being taught about subjects that will never be of use to you when you leave school.
Josie, thank you for covering this topic about the current economic situation. I am usually watching your vlogs in order to see a beauty and get relax after work and bad news during the day. But life is real and I happy that you cover the topics that really anxietes everyone. Thank you🌸
those doggos in the sink!! so cute!! i can't!!
Very informative financial talk.. Thanks Josie for talking to us about it. It was extremely therapeutic.
Loved this vlog! As always I find the vlogs fun but informative whether it’s travel or finances they are always so interesting with a little frivolity on the side PERFECT! 🎉
As you have always promoted, classic purchases are timeless and enjoyment can be found just by walking and taking in the local countryside. The fact you are so grounded and appreciate life has made you so popular and enjoyable to watch 🥰 xx
The dress at the start is the perfect autumn number! Love it 🍁🍂
To 6:22 I tell this for other girls, who dońt want to make that faux pas. Although Freddy looks of course gorgeous, it´ s not appropriate to wear sandals in an Opera. Unfortunately, nowadays no one teaches these things to girls….Hugs!
Always love your clips with Freddie...so much fun. Used to go to opera in London regularly but it's obviously changed with CC! Lol
Oh I love your vlogs and your little fur babies in the sink looking at you is such the sweetest , so adorable thank you for sharing your feel good vlogs You make me smile every time xxxxx
I love how Charlie is with the dogs....so lovely
Loved this so much. Your financial chat was so informative and very interesting. It’s definitely something we should be taught about in school! Those little sausages are just too cute! Xxxx
hahaha.. "One direction, Like a crocodile! " Hilarious comment from Freddy..
I am laying here on my sofa.. *SICK* with a creepy cold, headache, body aches, sneezing, ( general icky) and you two are always such a joy to watch... I love it when Josie and Freddy let us tag along with them. Brightened my rather unpleasant day with your gorgeousness and laughter.
I need those earrings the two of you are wearing to the Opera.
Thanks for the financial talk. I am a fashion shopping addict but I made a commitment to stop buying anything fashion related until I hit a particular financial goal. At that point when I reach my goal, I told myself I could get 1 fashion item. It has been almost a month and I know it is still early but I suspect it will take me about 6 months to hit my financial goal. I am also greatly reducing other expenses where I can. For example I love reading but I told myself no more buying any books until I read at least 10 books. It is so easy to walk into a book store or browse on Amazon and buy a book that looks interesting. The book can wait. I've committed to no Black Friday shopping and I will only being buying a small number of Christmas presents for just a few people. I've loved shopping for years but it got so much worse during the pandemic because I wasn't going anywhere. I wasn't spending money on travel or basically any type of entertainment. I sort of recently woke up and came to the conclusion I have to stop the shopping. I want to start traveling again and doing other things. I'm 46 by the way. I'm at the age where isn't isn't my first recession but I do think I was a more savvy shopper durning the last one. I do have a retirement acct, and other investments that I haven't touched. I think this is a wake up call for everyone.
Edited due to the fact of another comment I saw: Regardless of your level of understanding on the topic, it is a wonderful thing that you started this conversation and are learning. You don't have to be an expert on something to start a conversation. Sorry for going on and on but I'm seriously impressed you were open to this discussion on a public forum.
Join a library - free reading!
@@racheloates6880 I def will. This is embarrassing but I probably have 100 unread books already. They were absolutely not all recent purchases. Some of them go back literally a decade or more.
@@KarrieStanfill that's not embarrassing. We are in the same age category. I have lots of clothes I have never worn but am buckling down and selling those I don't wear on Ebay. If you are not going to read the books see if there is a website that you can sell them on? X
@@racheloates6880 I do plan on reading them (eventually lol) and then will take them to a used Book Store to sell after I've read the books. I live in Nashville, TN and we have a very large used book store that will buy books. I used to try and sell them on eBay but didn't have a lot of luck in the book department. I sell my unwanted or no longer can fit into it fashion on Poshmark. I'm dreading the income tax I'm going to have to pay from the 1099 they send me. I'm hoping it is off set by my charitable giving so I don't owe anything.
@@KarrieStanfill I am in the UK so it may differ but I have not made any profit on any of the unwanted clothes I have sold on Ebay. I am selling things in my wardrobe that I haven't worn or stopped wearing that I originally paid full price for and reselling never gets me back what I paid for it! I do send books to charity too. You can do this buckling down! It's amazing how little we really need in life.
I am so glad the three of you are friends.
I loved that you took the time to talk about finances Josie. Thank you. I wish we were taught this in school too.
By now, Josie and Freddy together at Christmas is something I absolutely love! 💚☃️
Omg both of you looked so stunning in the dresses
Josie! You're so RIGHT!! We need to demystify money and unstable times. I'm 56... and I've been through a couple recessions. I'm here to tell you that not everyone has the same experience, but mine was positive. I was always working, and working in Higher Education IT, so I was working a LOT. I was able to help support charities, and so forth. This time, I've just retired. Yikes! But the thing is... there's no real reason for this recession. People are still working, jobs are still very available, as you've said... so there's no real boogeyman. I'm an optimist with a good, stable pension. I know that with responsibility and care, and a rehiring of all those positions (like mine), where folks have retired... this will not be something of which to be afraid. Yet, I've been careful now with purchases...and supporting those who need support more than I. Giving and spending (a bit), continually, is what helped in years past. Just my experience... go forth without fear, Fear...(see what I did there?) Economies always bounce back...
"Everything the light touches . . . is Dexies kingdom" 😂 GOLD!
I am in the 7% bracket. An old fogie who loves your channel 😊
That would be me as well.
And me!
Me as well. In my head I’m 30. Keep your looks, your stamina …and your finances and life just keeps getting better and better!
Hi josie catching up on all your videos in my watch later list! Fantastic video educating people. I am a GCSE and A level teacher and this is a open conversation I have with my students regularly. It is nice to see a content creator like yourself speaking of these issues because it is very easy to be in any sort of bubble and forget how things such as saving, spending and borrowing is affecting people’s lives. I hope the influencer industry become attuned to what is going on and understand spending will be decreasing in a very long recession to come. Love your videos 💛🥰
You are both so cute! Josie you act like Freddie’s best friend older sister/cousin and I love it so much!
I'm glad you enjoyed the Opera - not really my cup of tea either but there are some fantastic arias from the more well know ones e.g. Turandot/Nabucco/Madame Butterfly. Which one did you see?
Btw the 'words' are called the 'Libretto' and all Opera houses screen them in English as Operas are often sung in Italian (or German if you're seeing Wagner). Often they're on the back of the chair in front of you - like La Scala in Milan (you can actually choose your language there).
Get a CD of Opera classics - it's a good way of getting to know the music.
Possibly one of the best video from you Josie. Thank you so much for the financial talk it was so helpful
I love it when you two do videos together! Especially at the Holidays.
I think it would be very difficult to sell the invisible. You sell a lifestyle, a brand. I am not your primary demographic, I live on a budget, but I do enjoy your videos. Your budget suggestions, like clothing from Amazon are helpful. But the few times a year I do splurge, I take note of the luxury items you share or educate us on, and this allows me to feel more informed on the items I feel will last for years. I don't mind people doing what you do, as long as they actually believe in and enjoy the product.
I took a personal finance class in college, and I still feel like there’s more to be covered that an entire semester couldn’t encompass! There’s just so much to know and learn! And You, Freddy, and Em looked absolutely stunning!! 🤍
Loved your dress you wore for the opera. The shape on you was fabulous. I think your wedding dress should reflect this design, so elegant. Thank you for such a high content vlog. Was impressed you kept your talk flowing whilst the lawn mower was on!!🦋
That was really informative. Loved it actually! ❤
I love your dogs! The absolute cutest and most well behaved little babies
That little boy admiring you was so sweet!!!!!!
I love that you talk about finances and how it should be taught in school. I had absolutely no "economy" classes (I live in Québec, Canada) and I honestly went into my adult life not saving anything, not investing, spending without thinking and I ended up in huge debt. I love that you're being transparent and honest, and that you're also explaining the current situation! Thank you Josie ❤️
what a stunning dress Josie its like a red carpet dress you look amazing
Congratulations to both of you, so lovely ladies !!! Always glamorous and very funny !!! Enjoy Ladies !!!!
I was listening to the news here in Ireland, basically saying average mortgage over the last few years is 300.000 euros and with interest rates going up it means for every 100.000 you are paying a extra 150 euros a month more and it's going up again. That with everything else, give an example, before Christmas a bag of coal was €19.50c now €30. So 3 bags of coal a week is about €31 more, To fill a tank of home heating oil 900 litres was well under €500 now around €1200, and u would fill it up two and half times a year so say 1800 a year more, we used to put about €300 into the car and got 4 weeks it's about €600 or more . A average family of 4 are spending around and this is at the bottom end €30 a week more on food shop. My electricity bill was always 93 to 95 a month just before Christmas was 110 now 200. So if u say your mortgage u have is 100,000 its costing around / your spending €173 a week more for the same things. And if the mortgage is 300.000 thats around €248 a week more. ( that's not Including your home heating oil . ) I think people are just not going to spend only on essentials. And this is going to effect people of all ages. And looking at it the uk is the same if not worse.
I did do calculations very quickly while listening and watching u.
Josie! I thoroughly enjoyed your vlog. You looked absolutely gorgeous in that dress. I am an opera buff who always dress to the nines for the opera. Next time listen to a few arias on You Tube before going to the opera. Most theatre have discussions an hour or so before the performance, this will give you an idea of what the plot is about. Thus, allow you to concentrate more on the performance than on the overhead supertitles. All three of you looked beautiful.
What an adorable sight seeing those 2 boys in the sink after your walk! :)
The best girls night out as always!!!!
The Two Musketeers... This will be extra special 💞
Absolutely lovely your friendship,its inspiring!!
Josie you always have the loveliest vlogs with good conversations. xoxo 🤍
Your financial presentation was very interesting and useful to me!!! Thank you, Josie! Also, it was very original, something I appreciate a lot!
I loved the finances talk!! I’m so illiterate in this area!! Thank u for breaking this down!! Super helpful!
A fabulous idea to address the economy! Thank you for doing that! You did a great job explaining what you have learned ! I think you have elevated your channel by taking time out to discuss finances in this very stressful economic time!❤
Hello, How lucky Josie, the first time at the opera is unforgettable. I take the bet that it will not be the last time, but the beginning of a passion. It's a magical universe !
Agree!!! Magical Universe!
Love watching videos as usually even when I'm having a really bad week I forget about it and chill and watch you and you very fun vlogs xx
Hi Josie, financial knowledge is so important for us all, but particularly, I feel, for women so we can be financially independent. As they say ‘information is power’ and when you understand what’s going on you have more control.
My second piece of advise is ‘live within your means’ and be honest about what you really ‘need’. Don’t feel hard done by with economising; for long term financial comfort, most of us need to decide where we want to be in the future (property ownership etc) then plan backwards to where it all starts… today! 👍
Josie & Freddy are so funny together! ❤
Those two little sausage dogs rolling around and drying off are so cute. Just make giggle.
The last pat was soooo cute! You have the most wonderful dogs in the whole world 😍
Oh my God, I'am enjoying so much your video! I'm smilimg, you are so pretty, thank for your beautiful vibes, so much love🌸🥰
Great vlog girl thank you loved the money talk makes sense xxxx
You looked absolutely stunning in that sparkly gown! Just gorgeous.💖
Your dress is UNREAL. Absolutely beautiful on you
Exactly what I was thinking Josie when I saw those rainbow chard leaves. They’re large. Yummy pistachios are so good for you. You’re becoming such a good cook.
Here in the United States, what you’re saying is correct! I would encourage everyone also anyone that can afford to buy their basic groceries do so now rather then later! You will want to be able to stabilized them so on your shelf they last for a long period of time!!! Now would be the time to stock up, as gas prices go up,, and diesel fuel becomes very difficult to get, at least in the USA. It would behoove us all to have a well-stocked pantry!!! Flour, Sugar, Salt, herbs,& seasonings that would be what I stocked up on, also dried milk, because milk may be hard to come by!
I’ve been watching “Your Rich BFF” on TH-cam, and she has been a lifesaver with learning about the economy and money. Almost all of my fear and anxiety regarding the unknown of what’s to come has dissipated.
I also recommend “She’s on the Money” podcast, I love when they invite their listeners to share their income, savings, and financial questions. Very eye opening!
Josie your dress is gorgeous, you look stunning. Love a Josie and Freddy vlog, your both very elegant.
Enjoyed this video so much, while packing to move house
Good morning beautiful darling josie I hope you Charlie Dickens and dexter are well it's so lovely to see you again thanks so much for sharing your lovely vlog you and your lovely friend freddy have a wonderful time in london stay safe xxx
Lovely vlog Josie and thankyou for the financial talk as I found that very useful!
Gosh this vlog was a lot, but the dogs in the sink omg 😍😍😍😍😍
You are always so classy. Josie!!!
Lollll I like Freddie. She's unstoppable.
I liked the finance talk thanks for opening up 😊
Enjoy seeing all the beautiful dresses,the hotel looked lovely. I spotted a shake shack near my parents, I must try it. As for finance talk, I enjoyed it. I have been through 2 recessions, so I'm anxious, but keeping myself focused on work. I am glad u addressed this talk, if only to get people curious and look at stuff like this for themselves. I learnt so much in the past 10 yrs re:mortgages and pensions. On a lighter note, the doggies after a bath are so cute 🥰🥰🥰😆
Who needs to go to the Cinema when you have your dogs to laugh at!
Even here in the US, finances are not taught widely or nearly enough! I'm thankful my dad works in the stock market, so I learned a bit of this from him and always have him as a resource, but nothing beats a little trial-and-error investing yourself and watching your money move!
Absolutely love the segment you did on the economy and investing. More of this please as it is interesting and helpful.
Hi Josie Darlin😊. This video on finances was so valuable ❣️❣️. I’m in your 7% bracket (73), but I’ve been a loyal follower for almost 4 years now. ADORE your style & cooking videos. Ten years ago I read a book by Dave Ramsey: Total Money Makeover. It changed our life!!! I wish we had gotten smart about money/saving/spending when we were your age; we learned late.😮. But it did make a HUGE difference by applying what we learned. Just goes to show it’s really never too late to “smarten up”. Wishing you bliss & blessings💛🧡❤️
You have just shown that your are smarter than the average bear. Good for you. Prepare yourself and your household. Blessed be
So wonderful to support the brand Milla. An all female Ukrainian brand. Their dresses are the most beautiful I have ever seen. #supportukraine
Could you please add to your description box the Ukrainian brand of hairband ? Thank also to Freddy for the discovery. (If you come to Athens I will make you around in one of the important music venue where I have the luck to work)
omg the bit where dexie and dickens are in the sink having a bath.. melted my heart ❤
Oh my gosh they’re hilarious together 😂
Josie that silver dress was stunning you looked so beautiful
Your Friend is so funny and looks like such a lovely person
Love the Kensington hotel, ill be there in january! 3 stunning drawing rooms. My Dads Art collection in the stairways.
The three of you look stunning, your dress is absolutely perfect Josie xx❤ love Tosca too x
Loved all the footage of you and Freddy in London!