@@lasherihill5487did you know there are a bunch of places that give you free stuff on your birthday? I know someone who spent her birthday going for her “birthday rewards” she shared photos on Facebook like “thanks for my free coffee Starbucks!” Stuff like that…you can make it fun ….
I switched my cellphone carrier from $111.00 to $30 per month. I switched my car insurance from $192 to $56 per month. I canceled Hulu, Netflix, and broke up with Amazon by canceling my Prime subscription. I was spending over $600 a month as a Amazon Prime customer. All of that saves me close to 1K a month.
@shelianorman7760 I switched from Liberty Mutual to Progressive. I matched everything from my previous insurance except for car rental and lower hospital cost. My insurance with Progressive is $56 per month because I added rental insurance, which dropped my monthly cost of $10 bucks. Keep in mind that car insurance varies from state to state, just like health insurance. But, I advise anyone to shop around to get the best price quotes to meet your needs.
@shelianorman7760 I switched from Liberty Mutual to Progressive. I kept everything the same except for car rental and lower hospital cost. I added rental insurance as a bundle to my car insurance, which dropped the monthly cost to $56 per month. Car and health insurance varies from state to state.
I have had to drift away from broke and broken people 😞 Heavy, I know, but even on the airplane the guidance is to give yourself the oxygen first, then help someone else.
Quitting the beauty industry!! I was spending wayyyyy to much money on hair, nails, pedi etc....I used to wear so much weave now I have micro locs and wear press on nails. I still get my lashes and wax however I've saved so much by wearing my natural hair ❤
I started doing everything myself as well and I’ve grown my own hair longer and healthier. I wear press ons and also learned how to do my own lash extensions. Other than that I have a few wigs if I really want to switch up my look
THIS IS THE COMMENT! I get pedi no fake nails. I keep any makeup at a minimal and work more on my own skin. I don’t care anymore about what society thinks “good hair” should look like.
I stay home more. I have a budget now for food. That makes me cook instead of ordering out! I pay myself first now 10% into my savings. I'm watching my money grow
Look at all the food stuffs you have at home. Then start searching for from scratch alternatives (recipies) for just one to a few at a time. As you eat through your cupboards, pick one to a few from scratch. If you've got a powdered mix or starch with a season packet- these are the easiest. Durning one of my busiest times, I set aside 1/2 hour per (most) week nights to do some sort of food prep. I generally made up 6 at a time grab and go food items by setting out the food storage containers, measuring in one ingredient at a time down the line, labeling my containers, putting away all the things. Sometimes it was simply putting a 10lb or bigger bag of flour intofood containers. Or slicing and dicing 9ne produce item type into baggies or repurposed bread bags for the freezer. You can amass one heck of a lot of frugal grab n go products in 70 to 73 nights in a year. Single serve packaged foods are another. In Aug-Sep '24 I did the math to compare the cost of single serve, 4 ounce portions, of apple sauce using Goggle and Walmart for items andcosts. At the time you could buy a #10 can with 108 ounces of Muscleman's apple sauce for $7.49; 27 four ounce servings. The cheapest per 4 ounce serving was thier 9 count Mott's for $9.99 which works out to 36 ounces. $7.49 for 108 ounces compared to $9.99 for 36 ounces. Call portiioing the #10 can into 27 containers (don't forget to scrape the can with a silicone spatula) one of those 1/2 food prepp activities; freeze what you don't want to store in the fridg. e
We have a house full of teenagers that learned how to cook by the time they were 6-8 years old. They make a list and we search for the best grocery deals. They are only allowed to eat out once a week. We have been doing this for over a decade and it saves money!
I pay myself first every paycheck (Invest), meal plan on Sunday's, put everything on a calendar even if it's $5 for a school fundraiser it all goes on the calendar 📆 so I can budget a month in advance, I let everyone know if they want to go out for dinner they have to let me know in advance.. I have $100 for misc every month that's my catch all for something that pops up. I've never had to dip into savings or sell my investments. I think being organised is crucial.
Same! I help my family financially often. A lot of the times I am buying things for them I “think” they may need. But it’s not essential must have things they immediately need. It’s all overspending and unnecessary spending. I am being extremely conscious of that this year.
I turn that heat down & put on extra clothes, I only heat my bedroom warm with a radiant heater and sleep with a heating blanket to keep my electric bill low. I cook at home and carry my lunch to work. I do not move my car at all most weekends & stay out of stores. BUT when I do get out…🤑 & the biggest money saver 🥁 saying “NO” to people constantly asking for money!!!!
I love it. Im on a financial diet. Paying the bills on time so you dont have to pay late fees. If you are paying late the fees are heavy. I met my goal in 2024 of paying of my car. I paid all my loans, credit cards. No debt. Best part was when i got laid off from work in September, i didnt have to worry about paying the bills. It was a blessing. It has humbled me. I didnt spend money for my birthday. Or christmas. Because i have learned about what is essential in my life.
I save a ton of money by brewing my own coffee, painting my own nails, and letting my natural silver hair shine. In NYC it's easy to spend hundreds of dollars a month which translates to thousands of dollars a year.
You hit the nail on the head sister! Everyone needs a budget and to actually look at it and see where their money is going! It can be a real eye opener!
Dang this was good. The sacrifice is only temporary. Maybe I need to ”sacrifice” to be one of my theme words for next year because I’m trying to live in a new vibe for 2025. Thanks for this!
I will have my debts paid off by January pay day. I am so excited!! Gonna start saving an emergency fund next year, so these tips will be useful for me too!
Really great video! One thing I do to live below my means is to meal prep my breakfast and lunch and take them to work instead of stopping on the way or ordering for delivery. It's a lot healthier too.
Changing your mindset is key! I enjoy goal setting. I started with easy goals and then moved on to more challenging goals. For example, an easy goal: use up cleaning supplies I currently have on hand without buying any new products. I think I went about 6 months without buying additional cleaning supplies. As I learned more about frugal living, I found out that a lot of what I was buying was toxic and now I use just a few cleaning products. A challenging goal: pay off cc over 6 months. I found it fun and encouraging to throw every little bit of extra cash at the cc bill. I kept a running tab of the balance going down on my bathroom mirror that kept me motivated. If I had an extra $25, I sent in a payment of $25. I sold things I wasn’t using, changed my eating habits, and most importantly, I learned to say NO! No to eating out with friends and family, no to things that weren’t in my budget, no to unplanned vacations/outings, etc. I started reading about finances and watching lots of TH-cam videos. It was motivating to read about others conquering their debt and building wealth. You can do this! It begins with changing your mindset.
This list is perfect. I found your channel in April 2024. The video where you calculated your debt was a huge wake up call for me. I did the same thing after seeing your process. I then cut my budget to bare bones and have paid off $45k of debt. It has not been easy. For me, I was overspending on groceries. I live in a rural area and luckily can’t go out to eat so I would splurge getting all the groceries. Now I plan and eat what I have, not what I want. I’ve cut my grocery bill in half from $1000 a month (3 people) to $500
I'm saving money by (1) creating a menu with items on sale that week that can make several different meals (that I'll actually eat and not waste) (2) use store coupon/reward programs (3) find free local events (4) shop my own closet- I have clothes at home! lol
This is a very good topic for conversation. I usually prep and plan my meals. I save using the sinking funds program for any thing that I have coming up. eg vacation, Christmas, car repairs, fun etc.
This is so good! Well I have started living below my means for about 2 years now! The main thing I do is cut the expense on eating out! I rarely eat out unless I’m using reward points. So the price of my meal be either free or no more than $12 dollars but that’s to feed both my daughter and I! Honey we share because I need to push the plate back anyway lol! Another thing I do is stick to the budget! I have a list where most of where my money goes to! With doing this; I have been able to save an extra $300 to $400 every two weeks!
Wow, this is an amazing testimony. Thank you show much for sharing. You are able to show that with attention to the budget and cutting out eating out, it can save you a ton! This is great!
This year, I just started using cc reward points. I had to go a few years without using credit cards to build up discipline in sticking with the principle of paying it off every month. Now, I’m knee deep in learning how to use and apply points for travel deals.
Hi Jazmine. How are you? You’re looking so pretty. Hubby and I are raising 3 of our grandkids, since our daughter passed away in 2018. To cut down expenses, we explain to them the meaning of saving and budgeting. I pack snacks and lunches for road trips. I’m gifting each one of them their own binder- even hubby😁😁 We gotta be in this together, got it to work long term. Happy holidays🎄🎄🎄🎄🎄🤶🏽🎅🏽
Awwwwe my dear first of all I’m so sorry for the loss of your daughter in 2018. I almost lost my life too in 2018. You and hubby are doing amazing raising your grandbabies; I’m a mother now and I too want to teach my daughters early on about money. Money is very tight right now and I get anxious about the future. I’m forced to live bellow my means because the contrary is not even an option.
I'm definitely changing ny mindset. I've already committed myself to STOP spending January 1st 2025. Its my goal to become debt free by the end of 2025. Thanks for the video.
When you start looking at where your money is going it’s an eye opener! It was so motivating to start paying extra on my lowest balance! Slowly I did it! It can happen- stay focused. Watching Budget Treasures got me through and still does. I’m still trying to get a handle on my variable expenses. Thank you for all the videos! 💐
I’m definitely living above my means!! No savings, only a few dollars left after paying monthly expenses. Just out here winging it honestly!! 😅 I’m making the steps to begin a new journey to financial freedom in 2025. Budgeting, cutting expenses, no spend challenges!! I’m so ready for things to change for the betterment of my family. Thanks for the tips, will be joining the January no spend challenge 😊❤
Friend. I’ve been watching you too long to be in the financial situation that I am in right now. This was Definitely for me. I hear you loud and clear.
My car is 11 years old. Yes I bought it brand new but paid it off 2 years ahead of time snd I’m not looking to trade it in or anything. I’m focused on CC debt.
I want to thank you for teaching me about how to live below my means. I am on my way to 55 years old and need desperately to learn ways to be smart with money and ways to make money works for me. Will continue to be watching and taking notes because I want to get my finances in order in 2025. 😌🙏💕
No doubt God brought you across my feed at the right time… at the point where I am tired of myself and choices I’ve made. Aiming to turn things around in 2025 Thanks for the practical advice ❤
I’m not living paycheck to paycheck but I am spending way too much money!! Last year when i broke down my finances for the year, I was shocked! I should’ve had about 20K saved easily. I approached this year a bit different and although I saved A lot more than I did last year, it could’ve been more, considering my salary increased drastically!! Now I’m planning to go into 2025 aggressive asf with my finances!
I don't grocery shop every week I eat what I have, I wear what I have instead of shopping for more clothes, I make coffee at home instead of going to Starbucks etc. for coffee, I don't use my lights during the daytime I open up my curtains and use the light God gives us every day.
@deidrawilliamsevans9784 Exactly! Making g coffee at home is way better than Starbucks. I do shop at Goodwill or Poshmark, where I can make an offer on the clothing items.
@darlingnikki_007 i shop off season for instance when the summer starts to roll around thats when u will see stores trying very hard to get rid of their previous seasons clothing to make way for the current season clothing to be on display. That's where the deals are at whether shopping in the store or online just shop off season I also shop sales or clearance . I recently bought a pair of boots online and the company was having a sale the boots retail for $167 i got them half off and another site i bought my son a pair of boots they also had a sale and I redeemed my rewards points on top of the sale so again the boots were in the mid $100s i got them for $67 and free shipping and handling. Honestly shopping off season has helped alot for me bcuz it keep me on budget I get what I need with out breaking the bank and I dont have to wait until the season arrive to go shopping bcuz that's when the prices are much higher .I live in NYC so we get all four seasons so I have to find ways to save on clothing for sure
In Jan '22 we went on a purposeful decluttering effort which called upon us to try to completely use all of the open containers from the house through the garage. We celebrated every emptied container removed from the cupboards and shelves; and every inch of real estate reclaimed. As the year wore on we utilized the "make do" and "use what you have" mottos. By June '22 we were including unopened packages and cotainers in a frugality effort to use up what we had already purchased and reduce new purchases. In turn, this led us to do more gathering, sorting, and organizing activity and thus the frugal living effort became a decluttering effort as a secondary reward.
Let me just say that this video came up out of nowhere and I know it’s God that sent it my way because I NEEDED THIS VIDEO TODAY!!! I am going in a different direction with my money starting TODAY!! Thank you
1. Family Dollar 2. Dollar General 3. Dollar Tree 4. Aldi's 5. All the Goodwills 6. Used book stores 7. Repurpose items in the home with simple upgrades. 8. Walk/jog or bike ride instead of going to the gym. 9. Self care beauty (do your own hair, nails skincare) 10. Last but not LEAST, don't worry about what other people THINK. Good luck 🍀 all 😊
I 100% agree with you about car notes. They definitely keep you broke. I got a car loan in my 20's and when I paid it off over 7 years, I calculated the interest I paid and it made me feel sick. I made a promise to myself to never have a car loan again. I wish I did the calculation before I got the loan, but you live and learn! Great advice in this video.
The worse thing I did in 2024 was get a new car after paying off my other car. I feel sick every time I make a payment and I knew better. But I'm going to sell a few things to pay it off as soon as possible
I make a budget, cook my own meals, don’t roll over credit card balances, don’t travel unless I can pay in advance, shop in bulk but most importantly I invest to combat inflation.
You also need to develop contentment. Spending above your means trying to meet other's expectations is not good either. Be grateful and be a good steward of your money.🎉
I got to the point where i stopped cared and lowered all my monthly bills! I drive an old truck and do not care lol.... when im out the red ill upgrade
Ty for sharing your info I am one who is NOT living below my means and I truly want a change in my life I’m tired of being stressed out ALL the time so yes ty I appreciate this video 😊
Thanks so much for all your help in this, because I've ALWAYS been in debt and broke. Not to keep up with anyone, but I just love shopping. I am of retirement age and can't retire because of my habits. My husband also loves to shop and maybe more than me! But, I believe I'm ready to save, because we make $7,000 a month and have nothing to show for it.😢
I am living from paycheck to paycheck, i tried to check what it is that I can cut but seems like there is actually nothing to cut. I think i need to payoff some debts and will ensure that I start saving after that .
Thank you so much for your transparency about this. This is very insightful and helpful; particularly at the beginning of the new year. #TeamLiveBelowYourMeans
Thank you for continuing to motivate us with truth, how to change our money perspective, and encouragement that we can make a new, heallthy financial position for ourselves! I needed this!
Another great and insightful video BT, Expense Tracking changed my spending on a VERY serious note! I printed my monthly statement and began to highlight transactions that were for eating/dining out and other excessive spending, and it had me in tears 😭. So to look at all that and then add it all up put me and my family's finances in perspective. And your skin looks amazing! 😊 Thank you for the inspo!💜
Real talk! I needed this video and I am willing to learn how to budget money. Because I can honestly say I need to do better. Thank you for sharing 👍🏽🙏🏽👏🏽
Great Video. I didn’t by Designers’ Stuff for that reason. I just loved having them. I owned no more bought Louis. I have an old one someone gifted me. Sold my Channel Pieces. Everything is going and it feels great. I wish I started before.
Video is on point I’ve been trying hard to live below my means and I’m def gonna do better in “25” got some goals but my prob like u said was it’s always an event or a birthday 😂 but I’m over it cause it’s not freeing me up ! But I must say with budgeting I did manage to pay off my car early and my focus is to get these cc done by June and I’ll be consumer free except for my mortage 🙏🏾🙏🏾🙏🏾🤗🤗🤗! Thanks for the Encouragement Jasmine😊😊
If you aren't ready for a no buy challenge do a low buy challenge. I did one for the entire year and only kept to a list of things that I actually needed or had to be replaced. I didn't get everything on the list yet but going over it every once in a while confirms if they are items that I actually still need or can continue to do without.
Bestie coming thru with the silky skin and smooth info. Jasmine, are you still doing the daily tracking of your spending? I’ve been doing it and I’m shooketh! Literally learned I’ve been spending 2 times the amount I thought I was weekly 😮. Very eye opening.
Bestie...I'm not even gonna lie...I fell off...Soooo bad of me...I fell offfffffffff the cliff bad 😩 I am so glad that you are still tracking..The win is being able to really see and it is very eye opening...I will get back on it right away
I live below my means by saving automatically FIRST when my husband and I get paid. I also love thrifting, eBay, and consignment shops! I always check there before buying a fashion or home item I need regular priced! People think I spend alot on fashion, but I am thrifter!!!! Each item $5 or less!!! 😂 Love your spirit and your videos! May God bless you real good in 2025 and beyond! 🎉
I'm a thrifter also. I look good and nobody know that I spend no more than 8 dollars. Believe me you can ger name brand items for such a great price. Also, I buy items in their off-season. Much cheaper
@@gwengarland4332yes I just commented about buying off season clothing and its so true that's where the deals are at imo .U can get so many items with out breaking the bank shopping that way
I just paid my last car note THIS MONTH. 🥳🥳🥳 Super excited to use that money towards my credit card debt and improve my credit score. Trying to start 2025 off right.
Great advice to stop spending. It seems so simple but it is definitely a challenge. I recommend making a list so you shop for only what is needed. Also, decluttering and selling my excess clothes, shoes, and bags etc have given me a surprising amount of money to put towards my savings. The feeling of financial freedom, is more than worth the effort of discipline and a little sacrifice for the reward of long term peace of mind!
One thing that I did to save money and help my health was I walked in the mall about often. Then I knew when things were at their lowest and bought only things that I really needed.
I've done this before and did well saving an emergency fund I need to build up again. Loaning people money and not getting it back and the party invite. I said in 2025 im reeling it back in. This was for me. Thank you!
I'm still driving a 24 year old vehicle. I shop at upscale consignment shops and feel amazing and walking in confidence wearing designer clothing that cost 90% less than the original price. Sharing this with family members. 🎉
Sorry Ms..I live in Alabama and I work at Wallmart..It’s very difficult..I only make about 750 biweekly.. After paying monthly bills I might have 50 dollars left..With an older car it’s hard to keep it maintained..
I’ve been paycheck to paycheck, but one thing I just implemented is switching must have subscriptions to the annual plan and canceling the subscriptions I don’t use regularly. I also am trying to lose weight, so I am reducing the amount I eat considerably.
Ok , I'm in ! My husband is more of the problem - he's the spender and I'm more of a saver . But I can do better. I think we're going to have to postpone hid retirement from ONE of his jobs , and make some MAJOR changes .
Enjoyed this video this video. It is so true about being broke and trying to make people think you have it going on.l was there but no more thanks to God. I have 2 daughter doing the same thing maybe 3 not sure how she is really doing. But like you say they have to want to change.l have been trying to change them for years. I am scared for them. Maybe l help them too much. Even though l help them l don't let them pull me down. When l retired l was debt free ,had my emergency fund and low risk investment. I and married but my husband is not debt free. How? I have my accounts he has his and we have joint for the household bills etc. I have been trying to let him know the he needs to do better. Thank God he is now coming around. I told "l am going to help you". Really God is.
I almost lost my mind when I saw how much I was spending on restaurants, invited friends to little trips , subscriptions that I wasn't using... Changed that and all that money that would be spent on air, now goes to saving and investment. Best thing ever.
Let's get together and start living below our means in 2025! This is a new mindset that I will be embracing heavily in 2025. Let's do it together...
Yes, me too! That and falling into overconsumption.
YES!!! The living paycheck to paycheck is not my vibe for 2025!! Time to start something new!
I’m in. Will you send instructions on how it works?
So no spending on my birthday 😢
@@lasherihill5487did you know there are a bunch of places that give you free stuff on your birthday? I know someone who spent her birthday going for her “birthday rewards” she shared photos on Facebook like “thanks for my free coffee Starbucks!” Stuff like that…you can make it fun ….
Once I realized there's ALWAYS a reason to spend money. I realized this is a discipline game.
Yes it is!!!
Black Friday took all my money 😂
Just paid off my jeep last month and now putting it's payment towards paying off credit cards 😊
Congratulations
Nice strategy!
Congratulations. 😊
Congratulations! That is so good!
Congratulations 🎉
Cooking meals that stretch helps the budget. Rice, spaghetti, chili, beans, greens, cut beans.
I switched my cellphone carrier from $111.00 to $30 per month. I switched my car insurance from $192 to $56 per month. I canceled Hulu, Netflix, and broke up with Amazon by canceling my Prime subscription. I was spending over $600 a month as a Amazon Prime customer. All of that saves me close to 1K a month.
Wait...what's the deal on the $56 a month car Insurance?.Where...Please and Thanks
@@darlingnikki_007 please share your cell phone carrier and car insurance…I would love to save money on that
For your car insurance, who did you have and who do you have now?
@shelianorman7760 I switched from Liberty Mutual to Progressive. I matched everything from my previous insurance except for car rental and lower hospital cost. My insurance with Progressive is $56 per month because I added rental insurance, which dropped my monthly cost of $10 bucks. Keep in mind that car insurance varies from state to state, just like health insurance. But, I advise anyone to shop around to get the best price quotes to meet your needs.
@shelianorman7760 I switched from Liberty Mutual to Progressive. I kept everything the same except for car rental and lower hospital cost. I added rental insurance as a bundle to my car insurance, which dropped the monthly cost to $56 per month. Car and health insurance varies from state to state.
I have had to drift away from broke and broken people 😞 Heavy, I know, but even on the airplane the guidance is to give yourself the oxygen first, then help someone else.
Oh I love this analogy! You are so right!
You said a lot, and it’s all facts!!!!
Truth😂
Gahhhh so hard, I’m such a giver ! But I must keep this analogy in mind, thank you!
Word!
Quitting the beauty industry!! I was spending wayyyyy to much money on hair, nails, pedi etc....I used to wear so much weave now I have micro locs and wear press on nails. I still get my lashes and wax however I've saved so much by wearing my natural hair ❤
I started doing everything myself as well and I’ve grown my own hair longer and healthier. I wear press ons and also learned how to do my own lash extensions. Other than that I have a few wigs if I really want to switch up my look
Exactly
This! 🙌🏼
THIS IS THE COMMENT! I get pedi no fake nails. I keep any makeup at a minimal and work more on my own skin. I don’t care anymore about what society thinks “good hair” should look like.
I stay home more. I have a budget now for food. That makes me cook instead of ordering out! I pay myself first now 10% into my savings. I'm watching my money grow
I’m staying home more by watching TH-cam and movies and meal planning and exercising at home too. Also, I’m watching my savings grow!
I love this!
Look at all the food stuffs you have at home. Then start searching for from scratch alternatives (recipies) for just one to a few at a time. As you eat through your cupboards, pick one to a few from scratch. If you've got a powdered mix or starch with a season packet- these are the easiest. Durning one of my busiest times, I set aside 1/2 hour per (most) week nights to do some sort of food prep. I generally made up 6 at a time grab and go food items by setting out the food storage containers, measuring in one ingredient at a time down the line, labeling my containers, putting away all the things. Sometimes it was simply putting a 10lb or bigger bag of flour intofood containers. Or slicing and dicing 9ne produce item type into baggies or repurposed bread bags for the freezer. You can amass one heck of a lot of frugal grab n go products in 70 to 73 nights in a year.
Single serve packaged foods are another. In Aug-Sep '24 I did the math to compare the cost of single serve, 4 ounce portions, of apple sauce using Goggle and Walmart for items andcosts. At the time you could buy a #10 can with 108 ounces of Muscleman's apple sauce for $7.49; 27 four ounce servings. The cheapest per 4 ounce serving was thier 9 count Mott's for $9.99 which works out to 36 ounces. $7.49 for 108 ounces compared to $9.99 for 36 ounces. Call portiioing the #10 can into 27 containers (don't forget to scrape the can with a silicone spatula) one of those 1/2 food prepp activities; freeze what you don't want to store in the fridg. e
Home Sweet Home.
We have a house full of teenagers that learned how to cook by the time they were 6-8 years old. They make a list and we search for the best grocery deals. They are only allowed to eat out once a week. We have been doing this for over a decade and it saves money!
I pay myself first every paycheck (Invest), meal plan on Sunday's, put everything on a calendar even if it's $5 for a school fundraiser it all goes on the calendar 📆 so I can budget a month in advance, I let everyone know if they want to go out for dinner they have to let me know in advance.. I have $100 for misc every month that's my catch all for something that pops up. I've never had to dip into savings or sell my investments. I think being organised is crucial.
🙌🙌
I really like the $100 miscellaneous monthly idea. Do you roll it over and let it build or use it or lose it? Just curious.
@@stephaniemartin9253 I add it towards a goal to give it a boost ☺️
You have some great habits!!!
How or where do you invest?
Stop spending- we don’t care who it is for 😂 I needed this!
Same! I help my family financially often. A lot of the times I am buying things for them I “think” they may need. But it’s not essential must have things they immediately need. It’s all overspending and unnecessary spending. I am being extremely conscious of that this year.
I turn that heat down & put on extra clothes, I only heat my bedroom warm with a radiant heater and sleep with a heating blanket to keep my electric bill low. I cook at home and carry my lunch to work. I do not move my car at all most weekends & stay out of stores. BUT when I do get out…🤑
& the biggest money saver 🥁 saying “NO” to people constantly asking for money!!!!
Absolutely true 😢
And the hardest
God help me to learn to say no
I can really relate to "stay at home out of the stores." A good book and a cup of tea has saved me more times than I care to mention.
I love it. Im on a financial diet. Paying the bills on time so you dont have to pay late fees. If you are paying late the fees are heavy. I met my goal in 2024 of paying of my car. I paid all my loans, credit cards. No debt. Best part was when i got laid off from work in September, i didnt have to worry about paying the bills. It was a blessing. It has humbled me. I didnt spend money for my birthday. Or christmas. Because i have learned about what is essential in my life.
I save a ton of money by brewing my own coffee, painting my own nails, and letting my natural silver hair shine. In NYC it's easy to spend hundreds of dollars a month which translates to thousands of dollars a year.
You hit the nail on the head sister! Everyone needs a budget and to actually look at it and see where their money is going! It can be a real eye opener!
A super eye opener!
Dang this was good. The sacrifice is only temporary. Maybe I need to ”sacrifice” to be one of my theme words for next year because I’m trying to live in a new vibe for 2025. Thanks for this!
You're welcome 🩷 Yes the sacrifice is only for a period of time...
To live below my means ive started my diy locs,and do my own press on nails.
I will have my debts paid off by January pay day. I am so excited!! Gonna start saving an emergency fund next year, so these tips will be useful for me too!
Congratulations. 😊
Congrats! I can’t wait to say “I’m debt free”!!!! I have a long way to go but I’m trying to be optimistic
Congrats
Really great video! One thing I do to live below my means is to meal prep my breakfast and lunch and take them to work instead of stopping on the way or ordering for delivery. It's a lot healthier too.
Changing your mindset is key! I enjoy goal setting. I started with easy goals and then moved on to more challenging goals. For example, an easy goal: use up cleaning supplies I currently have on hand without buying any new products. I think I went about 6 months without buying additional cleaning supplies. As I learned more about frugal living, I found out that a lot of what I was buying was toxic and now I use just a few cleaning products. A challenging goal: pay off cc over 6 months. I found it fun and encouraging to throw every little bit of extra cash at the cc bill. I kept a running tab of the balance going down on my bathroom mirror that kept me motivated. If I had an extra $25, I sent in a payment of $25. I sold things I wasn’t using, changed my eating habits, and most importantly, I learned to say NO! No to eating out with friends and family, no to things that weren’t in my budget, no to unplanned vacations/outings, etc. I started reading about finances and watching lots of TH-cam videos. It was motivating to read about others conquering their debt and building wealth. You can do this! It begins with changing your mindset.
This list is perfect. I found your channel in April 2024. The video where you calculated your debt was a huge wake up call for me. I did the same thing after seeing your process. I then cut my budget to bare bones and have paid off $45k of debt. It has not been easy. For me, I was overspending on groceries. I live in a rural area and luckily can’t go out to eat so I would splurge getting all the groceries. Now I plan and eat what I have, not what I want. I’ve cut my grocery bill in half from $1000 a month (3 people) to $500
Congratulations on paying down your debt. 🎉🙂
awesome honey!!!!
I'm saving money by (1) creating a menu with items on sale that week that can make several different meals (that I'll actually eat and not waste) (2) use store coupon/reward programs (3) find free local events (4) shop my own closet- I have clothes at home! lol
This is a very good topic for conversation. I usually prep and plan my meals. I save using the sinking funds program for any thing that I have coming up. eg vacation, Christmas, car repairs, fun etc.
This is so good! Well I have started living below my means for about 2 years now! The main thing I do is cut the expense on eating out! I rarely eat out unless I’m using reward points. So the price of my meal be either free or no more than $12 dollars but that’s to feed both my daughter and I! Honey we share because I need to push the plate back anyway lol! Another thing I do is stick to the budget! I have a list where most of where my money goes to! With doing this; I have been able to save an extra $300 to $400 every two weeks!
Wow, this is an amazing testimony. Thank you show much for sharing. You are able to show that with attention to the budget and cutting out eating out, it can save you a ton! This is great!
This year, I just started using cc reward points. I had to go a few years without using credit cards to build up discipline in sticking with the principle of paying it off every month. Now, I’m knee deep in learning how to use and apply points for travel deals.
Hi Jazmine. How are you? You’re looking so pretty. Hubby and I are raising 3 of our grandkids, since our daughter passed away in 2018. To cut down expenses, we explain to them the meaning of saving and budgeting. I pack snacks and lunches for road trips. I’m gifting each one of them their own binder- even hubby😁😁 We gotta be in this together, got it to work long term. Happy holidays🎄🎄🎄🎄🎄🤶🏽🎅🏽
Awwwwe my dear first of all I’m so sorry for the loss of your daughter in 2018. I almost lost my life too in 2018. You and hubby are doing amazing raising your grandbabies; I’m a mother now and I too want to teach my daughters early on about money. Money is very tight right now and I get anxious about the future. I’m forced to live bellow my means because the contrary is not even an option.
@ I’m so glad God spared you. You’re a light in a dark world sometimes. Blessings to you, and Thank you💜💜💜💜💜😍😍🎊🎆
🙏🏽💐
I'm definitely changing ny mindset. I've already committed myself to STOP spending January 1st 2025. Its my goal to become debt free by the end of 2025. Thanks for the video.
Me too ✋️
When you start looking at where your money is going it’s an eye opener! It was so motivating to start paying extra on my lowest balance! Slowly I did it! It can happen- stay focused. Watching Budget Treasures got me through and still does. I’m still trying to get a handle on my variable expenses. Thank you for all the videos! 💐
I’m definitely living above my means!! No savings, only a few dollars left after paying monthly expenses. Just out here winging it honestly!! 😅
I’m making the steps to begin a new journey to financial freedom in 2025. Budgeting, cutting expenses, no spend challenges!! I’m so ready for things to change for the betterment of my family. Thanks for the tips, will be joining the January no spend challenge 😊❤
Friend. I’ve been watching you too long to be in the financial situation that I am in right now. This was Definitely for me. I hear you loud and clear.
Me too OMG! We know better. So we’re gonna do better
My car is 11 years old. Yes I bought it brand new but paid it off 2 years ahead of time snd I’m not looking to trade it in or anything. I’m focused on CC debt.
Same here 👍🏽
I want to thank you for teaching me about how to live below my means. I am on my way to 55 years old and need desperately to learn ways to be smart with money and ways to make money works for me. Will continue to be watching and taking notes because I want to get my finances in order in 2025. 😌🙏💕
WOW! It's almost sounds like you're living in my head....lol...I said the same thing too.
No doubt God brought you across my feed at the right time… at the point where I am tired of myself and choices I’ve made. Aiming to turn things around in 2025 Thanks for the practical advice ❤
Absolutely! I know it can be tough but you can do this. Take it 1 day at a time
@ Thank you, i really appreciate that. Watching your credit score vid now… learning more. One day at a time! ❤️
Thank you so much for your support 🩷
So true! I was able to pay off my car last month and not having that payment has already made a difference in my budget/savings.
I’m not living paycheck to paycheck but I am spending way too much money!! Last year when i broke down my finances for the year, I was shocked! I should’ve had about 20K saved easily. I approached this year a bit different and although I saved A lot more than I did last year, it could’ve been more, considering my salary increased drastically!! Now I’m planning to go into 2025 aggressive asf with my finances!
I’m in the same boat. Recalculating, recalibrating
I don't grocery shop every week I eat what I have,
I wear what I have instead of shopping for more clothes,
I make coffee at home instead of going to Starbucks etc. for coffee,
I don't use my lights during the daytime I open up my curtains and use the light God gives us every day.
@deidrawilliamsevans9784 Exactly! Making g coffee at home is way better than Starbucks. I do shop at Goodwill or Poshmark, where I can make an offer on the clothing items.
@darlingnikki_007 yes I shop Goodwill also when needed I have found brand new items there and reasonable priced
@darlingnikki_007 i shop off season for instance when the summer starts to roll around thats when u will see stores trying very hard to get rid of their previous seasons clothing to make way for the current season clothing to be on display. That's where the deals are at whether shopping in the store or online just shop off season I also shop sales or clearance . I recently bought a pair of boots online and the company was having a sale the boots retail for $167 i got them half off and another site i bought my son a pair of boots they also had a sale and I redeemed my rewards points on top of the sale so again the boots were in the mid $100s i got them for $67 and free shipping and handling. Honestly shopping off season has helped alot for me bcuz it keep me on budget I get what I need with out breaking the bank and I dont have to wait until the season arrive to go shopping bcuz that's when the prices are much higher .I live in NYC so we get all four seasons so I have to find ways to save on clothing for sure
Thank you. I'm starting a budget and not just writing down what I owe and what I pay. Thank you ❤️
In Jan '22 we went on a purposeful decluttering effort which called upon us to try to completely use all of the open containers from the house through the garage. We celebrated every emptied container removed from the cupboards and shelves; and every inch of real estate reclaimed. As the year wore on we utilized the "make do" and "use what you have" mottos. By June '22 we were including unopened packages and cotainers in a frugality effort to use up what we had already purchased and reduce new purchases. In turn, this led us to do more gathering, sorting, and organizing activity and thus the frugal living effort became a decluttering effort as a secondary reward.
Let me just say that this video came up out of nowhere and I know it’s God that sent it my way because I NEEDED THIS VIDEO TODAY!!! I am going in a different direction with my money starting TODAY!! Thank you
1. Family Dollar
2. Dollar General
3. Dollar Tree
4. Aldi's
5. All the Goodwills
6. Used book stores
7. Repurpose items in the home with simple upgrades.
8. Walk/jog or bike ride instead of going to the gym.
9. Self care beauty (do your own hair, nails skincare)
10. Last but not LEAST, don't worry about what other people THINK.
Good luck 🍀 all 😊
this is so appreciated. I am only little older woman journey at 63 to try to revive my life and world xx
Everything you said was spot on. I wish I could send this to people without them getting offended.
I 100% agree with you about car notes. They definitely keep you broke. I got a car loan in my 20's and when I paid it off over 7 years, I calculated the interest I paid and it made me feel sick. I made a promise to myself to never have a car loan again. I wish I did the calculation before I got the loan, but you live and learn! Great advice in this video.
The worse thing I did in 2024 was get a new car after paying off my other car. I feel sick every time I make a payment and I knew better. But I'm going to sell a few things to pay it off as soon as possible
This is so true. Really going to work on this for 2025. Planning now is definitely key! Thanks, Jasmine!
I make a budget, cook my own meals, don’t roll over credit card balances, don’t travel unless I can pay in advance, shop in bulk but most importantly I invest to combat inflation.
Hey, how do you invest?
Thank you Jazmine. You have truly helped open my eyes on spending.
You’re welcome. I’m so glad to hear this
That was a great video.
I don’t go shopping because I will waste my money. But I do go buying with a budget.
You also need to develop contentment. Spending above your means trying to meet other's expectations is not good either. Be grateful and be a good steward of your money.🎉
Amen!
I not only appreciate the knowledge, I appreciate your realness. Definitely needed. 👏🏽
You definitely gotta have that desire and mindset shift. You can’t do it without!! Great list ❤
Awesome message and awesome way to set an example for your daughter and granddaughter. You are winning!
Thank you 💜
I got to the point where i stopped cared and lowered all my monthly bills! I drive an old truck and do not care lol.... when im out the red ill upgrade
You’re spoiling us with the frequent uploads dear! Thanks for another banger 🎉
One of the things I do to live below my means is I don't eat out as much I meal prep I go get a bag of something and cook it for the whole week.
I love how practically and compassionately you addressed the root of the problem. Love your style of sharing this knowledge!
Ty for sharing your info I am one who is NOT living below my means and I truly want a change in my life I’m tired of being stressed out ALL the time so yes ty I appreciate this video 😊
Thanks so much for all your help in this, because I've ALWAYS been in debt and broke. Not to keep up with anyone, but I just love shopping. I am of retirement age and can't retire because of my habits. My husband also loves to shop and maybe more than me! But, I believe I'm ready to save, because we make $7,000 a month and have nothing to show for it.😢
Thank you for the video
You're welcome
I am living from paycheck to paycheck, i tried to check what it is that I can cut but seems like there is actually nothing to cut. I think i need to payoff some debts and will ensure that I start saving after that .
All of this is so true and so needed to be considered. Thank you for this post, Jasmine! 🤔 Tracey from San Diego, California
Change your mindset and environment are so important. Thank you for the video. 🙏🏼
Thank you so much for your transparency about this. This is very insightful and helpful; particularly at the beginning of the new year. #TeamLiveBelowYourMeans
I am soooo glad that it was helpful!!!
Thank you for continuing to motivate us with truth, how to change our money perspective, and encouragement that we can make a new, heallthy financial position for ourselves! I needed this!
Another great and insightful video BT, Expense Tracking changed my spending on a VERY serious note! I printed my monthly statement and began to highlight transactions that were for eating/dining out and other excessive spending, and it had me in tears 😭. So to look at all that and then add it all up put me and my family's finances in perspective. And your skin looks amazing! 😊 Thank you for the inspo!💜
Real talk! I needed this video and I am willing to learn how to budget money. Because I can honestly say I need to do better.
Thank you for sharing 👍🏽🙏🏽👏🏽
Great Video. I didn’t by Designers’ Stuff for that reason. I just loved having them. I owned no more bought Louis. I have an old one someone gifted me. Sold my Channel Pieces. Everything is going and it feels great. I wish I started before.
Did you sell all of your Chanel? I don’t use most of those designer items. It’s time for them to go. 😉
Speaking the truth!!! Fantastic video my friend!! ❤❤❤
Thank you Friend!
Video is on point I’ve been trying hard to live below my means and I’m def gonna do better in “25” got some goals but my prob like u said was it’s always an event or a birthday 😂 but I’m over it cause it’s not freeing me up ! But I must say with budgeting I did manage to pay off my car early and my focus is to get these cc done by June and I’ll be consumer free except for my mortage 🙏🏾🙏🏾🙏🏾🤗🤗🤗! Thanks for the Encouragement Jasmine😊😊
The dollar store helps alot
If you aren't ready for a no buy challenge do a low buy challenge. I did one for the entire year and only kept to a list of things that I actually needed or had to be replaced. I didn't get everything on the list yet but going over it every once in a while confirms if they are items that I actually still need or can continue to do without.
Another great video! Your videos have been so inspiring to me as I try to turn around a difficult season of life. Thank you for all you do, Jasmine! 🙌
Great video. Again ypu have given so much good info. Thank you girl. 2025 here we come. I meal plan.. shop aldi and don't eat out unless special day.
Or cook a special meal at home on a special day 😊
I am doing a budget. Thank you.
Yes!!!
Wonderful video sister❤. Thank you!...i turned my coupon organizer into cash envelopes and am using it. It is working well😊
Glad I came across your page!!
I am glad that you are here as well!
Bestie coming thru with the silky skin and smooth info. Jasmine, are you still doing the daily tracking of your spending? I’ve been doing it and I’m shooketh! Literally learned I’ve been spending 2 times the amount I thought I was weekly 😮. Very eye opening.
Bestie...I'm not even gonna lie...I fell off...Soooo bad of me...I fell offfffffffff the cliff bad 😩 I am so glad that you are still tracking..The win is being able to really see and it is very eye opening...I will get back on it right away
Super good as always!!
Thank you Bestie!
I just found your channel and love your content. Thank you- you are so motivating and helpful with such good advice.
Thank you and welcome to the community!! We are stronger because you are here!!!
I wish I could like this 1000 times
Aweee!! Thank you so much! I really appreciate this!
Excellent summary!!!
Thank you!
Great video! I do a budget and look at it often.
I love your energy!
Thank you!
Indeed it’s time to take control of our finances…change your mind set and change your path! 2025 is your year to grow!
This video was needed. Thank you ❤
I live below my means by saving automatically FIRST when my husband and I get paid. I also love thrifting, eBay, and consignment shops! I always check there before buying a fashion or home item I need regular priced! People think I spend alot on fashion, but I am thrifter!!!! Each item $5 or less!!! 😂
Love your spirit and your videos! May God bless you real good in 2025 and beyond! 🎉
I'm a thrifter also. I look good and nobody know that I spend no more than 8 dollars. Believe me you can ger name brand items for such a great price. Also, I buy items in their off-season. Much cheaper
@@gwengarland4332yes I just commented about buying off season clothing and its so true that's where the deals are at imo .U can get so many items with out breaking the bank shopping that way
I just paid my last car note THIS MONTH. 🥳🥳🥳 Super excited to use that money towards my credit card debt and improve my credit score. Trying to start 2025 off right.
Congratulations Bestie!!!! I love to see it! Keep going!!!
Great advice to stop spending. It seems so simple but it is definitely a challenge. I recommend making a list so you shop for only what is needed. Also, decluttering and selling my excess clothes, shoes, and bags etc have given me a surprising amount of money to put towards my savings. The feeling of financial freedom, is more than worth the effort of discipline and a little sacrifice for the reward of long term peace of mind!
One thing that I did to save money and help my health was I walked in the mall about often. Then I knew when things were at their lowest and bought only things that I really needed.
I've done this before and did well saving an emergency fund I need to build up again. Loaning people money and not getting it back and the party invite. I said in 2025 im reeling it back in. This was for me. Thank you!
You’re welcome ☺️ It’s a blessing to be able to help others but not at the expense of our own bag. 2025 will be different!
Thanks totally need this
Absolutely!
Hello Jasmine! I really enjoy your content. Thank you, and Merry Christmas 🎄
I'm still driving a 24 year old vehicle. I shop at upscale consignment shops and feel amazing and walking in confidence wearing designer clothing that cost 90% less than the original price. Sharing this with family members. 🎉
WINNING!!!!! ALL DAY! I love it!!! Thank you for sharing!
Sorry Ms..I live in Alabama and I work at Wallmart..It’s very difficult..I only make about 750 biweekly.. After paying monthly bills I might have 50 dollars left..With an older car it’s hard to keep it maintained..
Great video AND you lookin great!
I’ve been paycheck to paycheck, but one thing I just implemented is switching must have subscriptions to the annual plan and canceling the subscriptions I don’t use regularly. I also am trying to lose weight, so I am reducing the amount I eat considerably.
Ok , I'm in ! My husband is more of the problem - he's the spender and I'm more of a saver . But I can do better. I think we're going to have to postpone hid retirement from ONE of his jobs , and make some MAJOR changes .
Wheww, girl. My spouse is definitely not a saver and spends money on frivolous stuff 😫😩
Enjoyed this video this video. It is so true about being broke and trying to make people think you have it going on.l was there but no more thanks to God. I have 2 daughter doing the same thing maybe 3 not sure how she is really doing. But like you say they have to want to change.l have been trying to change them for years. I am scared for them. Maybe l help them too much. Even though l help them l don't let them pull me down. When l retired l was debt free ,had my emergency fund and low risk investment. I and married but my husband is not debt free. How? I have my accounts he has his and we have joint for the household bills etc. I have been trying to let him know the he needs to do better. Thank God he is now coming around. I told "l am going to help you". Really God is.
Right on time!
Awesome!
I just started Dave Ramsey's 7 baby steps. 2025 time for a change
It sure is!!!
The Dave Ramsey really works
In the midst of it and am making it happen. Thanks for affirming I am on the right track
I almost lost my mind when I saw how much I was spending on restaurants, invited friends to little trips , subscriptions that I wasn't using...
Changed that and all that money that would be spent on air, now goes to saving and investment.
Best thing ever.