plan: do not spend money for 20 out of 31 days. outcome: only 5 spending days :) sidenote- i'm single so it might be a bit easier for me to plan only one day a week to have a 'flow' ;)
Yesssssss!!! I do that in the winter months!!! June is tough bc we have swim team, teacher gifts, mini vacations and graduation parties coming up! But maybe I should really plan one shopping day for gifts when swim dues & bills fall close together!!! That will open up for o Spend Days!! Thank you so much for that!! You are such an inspiration 💜🦄🙏🏻🌟
@@ahoardersheart i'm glad i could give some idea :) i should thank you from the bottom of my heart- i never thought how much i've spent unnecessarily. i also have a '72h wish list': i delay purchase for three days and if i still think about it after that time i consider buying it :D
Yesterday was my first outing with my SIL in 2 months so... we shopped. I didn't spend a lot and was amazed at the number of things that I put back because "I don't need it"! I have to pay bills (can't get out of that) today but there isn't anything I need from the grocery store and have enough gas in my car for the rest of the week. I'm still having difficulty getting rid of stuff. I have a box 📦 in my living room of donations that I have to put in my car. Unfortunately I have a book case in the trunk of my car that I need help getting into my home. I love books and bookcases are great for storage of other items as well.
Awe, I think you are doing good! You put a lot things back and that is amazing 🌟🌟🌟 I wish I could help you with the bookcase...I hope a friend or neighbor can help you 🙏🏻🙏🏻
Thank you for the inspiration. I will be printing out and using the no spend challenge. I feel off of the wagon last month because of everything going on in my life. I don’t need anything so it’s time to focus on other things...not filling my home with Amazon’s inventory lol 😂
Your retirement savings goal is really impressive and aggressive! Just keep in mind that the Roth IRA has an annual cap set by the IRS, so for TY 2021 year the limit is $6,000. Maybe you could keep your original goal but focus the remaining $4,000 on another investment account, or a high yield savings/long-term growth account?
Do you also set a budget for things like groceries, clothes, gifts etc? Or are you so good at this that you can control yourself without setting those limits
Great question!!! I used to budget for years: 2008-2019. Somewhere in 2020 I stopped bc it was a mental habit. But I think it would be a good idea to start budgeting again, I might be surprised!! Thank you for that reminder!
Stimulus , social security benefits and pension isn't enough to guarantee financial sustainability and security . Workers and pensioners should adopt better financial strategies .
hello from germany,hi miss heart, 16/31, pick-up schopping for cosmetics(diapers, soap, deo,.....)and let my hubby go for food shopping , helps us to save money..... be safe
I desire to do this so badly! My challenge is we own our own company so there is always bills and inventory to purchase. Does anyone do this that has a business? If so how do you make the “rules” work? I’d love to know!
Owning a business and not spending is a little more tricky. I would personally set a budget for business expenditures based on normal necessities and then also set up a savings for just emergency purchases. The no spend challenge is to keep you mindful about your spending habits. It is so easy to go to the store for one thing and get 10 more items "since you are spending money" anyway. The problem is compounded when you are visiting the store multiple times a week, then the budget is busted.
I can't believe that it is already June, but I will be doing some shopping friday but I'm not going to overspend just doing some window shopping. I'm starting to be more mindful of what I'm spending. Not watching haul videos def helps, and no more prime membership.
I know right, where is the year going already!! Lol And yes, I stopped watching Haul Videos in 2019. It’s just too much temptation for me!!! Lol I know you’ll do amazing! Just take baby steps and do what feels right in your heart!! You got this!!
I was planning to print out this month and give it a try but with my mother in law passing away anytime/ day I just know this month is going to be costly.
The lemon design is really pretty! 🍋🍋🍋
Awe, thank you so much!! It’s definitely one of my favorite ones 🍋🍋🍋
This is one of my favorite spreads you’ve done! The lemons are so cute!
Awe, thank you so much!!! It’s one of my favorites too 🍋🍋🍋
Between having a newborn and the pandemic, I hardly spend any money. We stay home, wear whatever, cook at home and never go out.
We started following Dave Ramsey years ago. It was a lifesaver for our family!
That program really is!! I’m so happy for you and your family!!! We started the end of 2018! What a difference it has made!!
Thankful for Papa Dave 😊
plan: do not spend money for 20 out of 31 days. outcome: only 5 spending days :) sidenote- i'm single so it might be a bit easier for me to plan only one day a week to have a 'flow' ;)
Yesssssss!!! I do that in the winter months!!! June is tough bc we have swim team, teacher gifts, mini vacations and graduation parties coming up! But maybe I should really plan one shopping day for gifts when swim dues & bills fall close together!!! That will open up for o Spend Days!! Thank you so much for that!! You are such an inspiration 💜🦄🙏🏻🌟
@@ahoardersheart i'm glad i could give some idea :) i should thank you from the bottom of my heart- i never thought how much i've spent unnecessarily. i also have a '72h wish list': i delay purchase for three days and if i still think about it after that time i consider buying it :D
I enjoy watching you draw and create 😊🦄
My challenge is the grocery store. There is not just grocery in there.
Ohhhhhhh...soooo true!!! Such a good point!! That is a good one!!!
It’s on of my challenges, too. I hoard groceries
Love the lemons. And so happy you surpassed your may no spend goal😘😁💕🍋🦋🌻
You just HAD to get a Tossy Tossy in there... bye, Amazon app!! 👋😉
Allowing myself only a certain amount of such and such item has really helped. Kind of like the container concept but more minimal.
Your desk area looks so nice and clutter free great job
You have the most beautiful handwriting 😊❤️and you draw well also
Great idea about putting Amazon on the cloud, I am going to do it after this video.
Thank you for the print out! I love it!
Oh yayyyyyyy 🍋🍋🍋 That makes me so happy!! Enjoy!!
Whoa, yeah Ms. Heart!!! Seeing SO many positive changes in your videos and I think I just starting watching like6 months ago.
Beautiful design!
You are so creative!!
Yesterday was my first outing with my SIL in 2 months so... we shopped. I didn't spend a lot and was amazed at the number of things that I put back because "I don't need it"! I have to pay bills (can't get out of that) today but there isn't anything I need from the grocery store and have enough gas in my car for the rest of the week. I'm still having difficulty getting rid of stuff. I have a box 📦 in my living room of donations that I have to put in my car. Unfortunately I have a book case in the trunk of my car that I need help getting into my home. I love books and bookcases are great for storage of other items as well.
Awe, I think you are doing good! You put a lot things back and that is amazing 🌟🌟🌟 I wish I could help you with the bookcase...I hope a friend or neighbor can help you 🙏🏻🙏🏻
I clicked so fast after the notification!
Awe!!! You are the sweetest!!! Thank you so much 💜🦄🌟💜🦄🌟
havaianas Are my weakness also!! the gold ones are my favorite.
I love your artwork!
Awe, thank you so so much 💜🦄🌟🙏🏻
Well done. Always inspiring.
Thank you for the inspiration. I will be printing out and using the no spend challenge. I feel off of the wagon last month because of everything going on in my life. I don’t need anything so it’s time to focus on other things...not filling my home with Amazon’s inventory lol 😂
YESSSSSS, Amazon keep your inventory 🤣🤣 And it’s okay about last month, life happens! This is a fresh new month and I know you’ll do great!!
I definitely need to do this!!
Yes you can 🌟🌟🌟 I’m totally cheering you on!!!
@@ahoardersheart thank you so much💖
Your retirement savings goal is really impressive and aggressive! Just keep in mind that the Roth IRA has an annual cap set by the IRS, so for TY 2021 year the limit is $6,000. Maybe you could keep your original goal but focus the remaining $4,000 on another investment account, or a high yield savings/long-term growth account?
Yes, so inspiring!
Thank you so so much 🙏🏻🦄💜🌟
Do you also set a budget for things like groceries, clothes, gifts etc? Or are you so good at this that you can control yourself without setting those limits
Great question!!! I used to budget for years: 2008-2019. Somewhere in 2020 I stopped bc it was a mental habit. But I think it would be a good idea to start budgeting again, I might be surprised!! Thank you for that reminder!
Thank you! ❤️
Thank you for sharing this with us, love your videos💕💕
Awe!!!! Thank you so so much 💜🦄🙏🏻🌟
May looked really good!
Thank you so much 💜🦄🙏🏻🌟🌸
This was so good to watch today as I’m just starting DR baby step number 1
Wwho another successful month🍋🍋🎉 l hope you payed off the mortgage to get rid of that dept
That is the last debt!! Baby Step 2 is all consumer debt except the mortgage! Paying off mortgage is baby step 6!!! We’re almost there!!
Your nails are so pretty 🥰
Great job 👏
Thank you so so much 💜🦄🙏🏻🌟
Great video as usual xxx thank you for your content xxx
Awe!! Thank you for being my friend 💜🦄🙏🏻🌟
You are a wonderful artist
I would love to learn more about Dave Ramsey’s tips
Dave Ramsey on TH-cam.
Or The Total Money Makeover is the book to begin with. Most libraries carry it
Dress up flip flops with all that ribbon. You have. It feel new
Great idea!!! Thank you 🎀
I am budgeting and doing the no spend challenge this month. Thank you!!
Whoo Hoo!! I am cheering you on 💜🦄🙏🏻🌟
@@ahoardersheart Thank you!!
I delete apps I do not or should not use.
That’s a good idea!!!!
love your nails!
Stimulus , social security benefits and pension isn't enough to guarantee financial sustainability and security . Workers and pensioners should adopt better financial strategies .
I have secured financial freedom myself investing in bonds , equities , EFT's and some digital currencies .
To earn well , finance must be invested with the appropriate authority and institution with qualified expertise .
Hubby handles bills and spending causes me total anxiety! I just ask
Yes! It’s best to start with our spending habits first! Once we got it down, we can have an open conversation with the hubs!
I’m brazilian and love to see your Havaianas! 😍❤️ Hope you use and enjoy them this June!
hello from germany,hi miss heart, 16/31, pick-up schopping for cosmetics(diapers, soap, deo,.....)and let my hubby go for food shopping , helps us to save money..... be safe
I desire to do this so badly! My challenge is we own our own company so there is always bills and inventory to purchase. Does anyone do this that has a business? If so how do you make the “rules” work? I’d love to know!
Owning a business and not spending is a little more tricky. I would personally set a budget for business expenditures based on normal necessities and then also set up a savings for just emergency purchases. The no spend challenge is to keep you mindful about your spending habits. It is so easy to go to the store for one thing and get 10 more items "since you are spending money" anyway. The problem is compounded when you are visiting the store multiple times a week, then the budget is busted.
Where did you go for information on opening a ROTH IRA? Congratulations!
I can't believe that it is already June, but I will be doing some shopping friday but I'm not going to overspend just doing some window shopping. I'm starting to be more mindful of what I'm spending. Not watching haul videos def helps, and no more prime membership.
I can’t window shop. I will ALWAYS find something I can’t live without then regret it later. Donna, Mike’s wife.
I know right, where is the year going already!! Lol And yes, I stopped watching Haul Videos in 2019. It’s just too much temptation for me!!! Lol I know you’ll do amazing! Just take baby steps and do what feels right in your heart!! You got this!!
👍
Thank you 🙏🏻💛
Does hubby follow this too.
You answer it , Thank you
Lol! Yes and he makes it easy for me!
I was planning to print out this month and give it a try but with my mother in law passing away anytime/ day I just know this month is going to be costly.
So sorry to hear about your mother in law. Good idea to not put other expectations on yourself as you walk thru these hard days.
Next, use the back of your junk mail instead of new paper for crafts. You're making progress, Tina.
Next set your savings goals higher. Less clothing, less makeup, try for $1100, instead of $1000. Tina
;)
There’s my unicorn 🦄🌟💜🦄🌟💜