How to be smart with your money
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- เผยแพร่เมื่อ 8 ก.ย. 2024
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Being cheap and being frugal are different. She use to be cheap, but is frugal now❣ 👏👏
"Cheap people are driven by saving money regardless of the cost; frugal people are driven by maximizing total value, including the value of their time. ... Being cheap is about spending less; being frugal is about prioritizing your spending so that you can have more of the things you really care about."
good said, thank you 🙂
Well said.
👍
You’re channel is so underrated.Sad to see all the young people around me that don’t know these things, you have helped me so much and I’m finally in a good financial situation. ☺️
My quote for number 2 is - if you aren't smart with your money, no matter what amount you earn you will never have enough.
Choosing a partner who is likeminded in the financial sense also helps. As you stated, your boyfriend made a smart decision that eventually affected the both of you. This will help avoid future problems in that area and will help both parties reach goals faster.
I'm a middle aged person & i think i have so many lessons to learn from you. 👍❤️
Amen!! =D
Consider keeping your emergency fund in a money market account (which is liquid and similar to a checking acct), it gives much better interest. Bottom line is: dont expect to make money off your emergency fund. Everything above 3-6 months expenses you can invest in 401k or roth IRA, or keep in money market account if you're saving for a house
Thank you for the Advice Jacob 👍🏼
Happy that you posted . Feeling way better ♥️
Yayy 🤍🤍🤍
Kyra! I love your videos so much & I love seeing people, especially women, talking about money and trying to normalize it more :) So proud of you for reflecting on your past relationship with money and making better decisions as you learned. Sending you lots of love during this time!
Miss Kyra, I don't know if it's a coincidence but you read my mind I was just looking at my bank account today and wonder how could I save even more because I'm aiming to go back to school to learn something knew.
Love your channel. It’s taught me so much. I found myself in the store today grabbing things I “needed” and ended up putting them back because I really didn’t need them. I’m proud of myself 🤍 at some point, can you talk about advice for being a minimalist when you get an array of free things?
Definitely some great tips!! I think some people get lost spending like they are actually receiving their gross pay vs their net pay, which can lead to overspending.
You can check the oil level by yourself I suggest doing that frequently, it's easy you just pull the stick out and see if it's above normal levels. Never never drive a car without oil, oil here is maybe 15 $ but motor change is a lot lot more. 😄
I recently ordered from a everything £5 store thinking I might be able to get some winter clothes without spending a lot, the quality was dreadful.. everything got sent back. Lesson learnt.
Unlike me, as I’m a saver and only spend when I need to. I guess cutting corners doesnt always pay off.
Same. I use to be the same way with clothes. Some items didn’t even last 3 months. I now focus on the quality more than the price. Also good quality doesn’t always have to be super expensive. I got a $23 denim jacket from Walmart still in good condition.
That’s a good system. What I’m now doing is buying a few quality items at a time and building it up over a period of time. Rather than buying a bulk of rubbish 😂
That's very helpful Kyra. You inspired me to look for some better bank.
I don't know if anyone's already said this, but I've called all the companies to whom I pay bills (utilities, gas, credit cards, etc.), and they are more than happy to change the billing due date. As long as you pay, they don't care. =) I'm a schoolteacher and therefore get paid the first of the month, and all my bills are paid by the 3rd. It's great, I don't forget to pay anything, and the best part is it's DONE!
Thanks for that! I had no idea. My mom is also a school teacher so she usually does everything bill related on that one specific pay day which happens to be at almost the end of the month.
omg the dollar store plate struggle is real lol thanks for posting half of me is always like ya i spend too much but another half of me is like shits just too expensive and i dont make enough rip surviving
I heard you talking about finances and it sounded like stuff that Graham would say, and when you brought up his name I was like ahhhh I knew it!
One of the best channels on TH-cam. Helping us save instead of being wasteful
I loooove the dollar tree glassware! I bought 16 glasses three years ago, and they’re great, never gave me trouble . I get lots of compliments on them.
I bought a DTree glass for coffee/tea. It looked like the expensive ones all these you tubers were buying for their coffees. Best $1 I ever spent 😎
I feel like you’re always learning something in the finance department, thanks for sharing the info you learn!
My cousin recommended me one of your videos & im hooked!! Thank you for making these. I’m 21, living at home and planning and saving for the near future.
Yes, lady! Save those raises! 👏
I just started saving for my retirement today! I know it's a long way down the road because I'm only 21, but better safe than sorry in the future! ♥️
That's good! Keep going!
I got unemployment money and I only allowed myself to spend $100 of it. The rest of it went into savings for college:)
Good job 💓
Needed this video as I am trying to save for a house deposit 🤞 great content Kyra 🥰
Hi Kyra! Can you possibly make a video on how you made the switch in banks? Idk why I’m so nervous to switch banks. It’d be nice to get all your tips and perspective
Motivated me to rethink some contracts. Good topic 👍
Thank you so much for making these videos, Kyra. I always enjoy hearing what you have to say.
Thank you so much. You look so pretty.
Impress yourself!!! 👏🏻 Love your videos! You are so relatable
Dollar Tree had some dishware that was pretty good this last time I went I still own the dish bowls and I can and were dishwasher safe/microwave safe it depends I think
I'm addicted to that online shopping experience :( like I need to shop.... just putting stuff in my cart and seeing the package waiting for mdle at my porch gives me some type of happiness. How do you stop trying to find happiness with objects:/
When you realize that the happiness you get from objects/material items is only temporary, it will change you. Focus your attention on the things & people around you that you can put your time and effort into rather than store bought goods. You can start by unsubscribing from store email promotions/sales. Stop watching people on TH-cam that do the opposite of your goals. Get rid of useless things. Find hobbies that build character. You can do it!
The way I got better is I had to ask myself how is this gonna add value to my life. I did that a couple years ago when I bought a mk purse. I used it only a couple of times. After I had my son I started carrying a tote bag as it was more practical. Now All I use is a tote bag, a backpack, and a crossbody bag.
The plate thing reminds me of buying cheap 8 euro dolly shoes from Penny's (like target). They were like cardboard, buying a new pair every 3 months.
That was helpful, thank you so much ❤
Glad it was helpful!
Can you make a Video on how you did your research and your researching process and your thought process when researching your online bank.
always Discount Tire (America's Tire for California people) for best priced quality tires!
Lately I've been having problem spending money. It just makes me feel good to buy clothes, jewelry, services, you name it. I don't know if I am reaching towards a fantasy self or bettering myself, but I know I'm being risky with money. Any tips?
Need this rn!!! Trying to save for law school while there's a pandemic lol
Kyra this video was so inspirational keep them up! Your videos are always so inspiring !
Very good! Be grateful that you can even go in to see your teller. Things are still shutdown in my state. They still want your money but you can't access it the way you want. Smh. Also, I know you are considering stocks and other forms. The market is lit right now!
You can make more than double in mutual funds, than savings even with a 1.25%.
You made my day 💙
Awww 😊🤍🤍
Hello from Bulgaria. I really enjoy your content. Wish you all the best!!!!! :)
I arranged for all my bills to be withdrawn from my acct on the same day give or 1-2 days difference...I have paperless bills my reminders get sent to my emails I dont entertain so I do not spend outside my bills n food/gas...my rent gets paid at the end of the month and I have to do it online thats how my place is set up and I am ALWAYS calculating my numbers....right now as im watching this video im at work re-creating my budget cause this month I made a few xtra dollars at work....looking after your money should be the 2nd thing you do after you look at yourself 💜
All of my plates and glasses are from the Dollar Tree. I’ve had them for years and they are all still in great condition.
I bought 8 matching white dinner plates at the Dollar Tree 7 years ago and they are going strong. I get most of my dishware from there and they work wonderfully.
Always looking forward to new videos from you girl! ♡♡♡
You look so glowy!!! Súper cute. Un saludo a tu novio!! De una latina de Costa Rica a un latino en USA jajajaj
Also, your video came in the right time
This was a good one so much motivation! Thanks girl! Umm hope this is t weird but where did you get your divider in the background?
Love your content 💕🥺💕
Me to
thank you 🤍🤍
I so happy to see your channel grow! On another note, do you think you could review Ally Bank? How it’s working for you?
mention of graham stephen wooo! love you two
Awesome video. Something to also think about for long term savings is a Roth IRA
For anyone interested in real estate. I really enjoy the podcast Afford Anything with Paula Pant.
🤍🤍
@@Kyraann. for you! I recommend trying the Lazy Genius podcast.
How many bank accounts do you have? Do you keep your general savings in with emergency fund or separate? 😘❤🖤
You inspire me. ❤️❤️
Do you believe in tithing as far as financial growth?
What are some money saving tips you all have? What are some low-to-no cost hobbies you partake in? How do you budget your food budget? Etc?
I'm quite consistent with saving because I have a goal to save towards (property). But I feel it's also important to 'live' in the meantime, so I set myself a budget each month to have some spending money.
So far it has worked well over the last few years.
I'm excited to get closer and closer to my initial saving goal.
Great tips as usual, stay safe.
Did you really mean $15-17 per plate? Seriously had no idea they ran that high at Target!
Thank you for your these great tips and suggestions. I am in my forties and only building my own long term savings and emergency fund now after a marriage separation and clearing past debts. I am now debt free and have so much contentment and security in having an ever increasing lump sum in the bank should I ever need it. I like your expression 'impress yourself' because yes I am very happy with how far I have come.
The Chime Savings account has a 1.00% APY.
Wuhu!! So excited !!
Yayy 🙌🏼🤍
Hi from Israel 🇮🇱 very good content you are so wise lol💝
Thank you Sharon 🤍🤍
❤️
Hi
Hello 👋🏼
@@Kyraann. You are so beautiful ♥️♥️♥️♥️♥️
I guess we muslim subscribers cannot follow your “earning money with interests of bank” tip. 😅
헤정 our religion forbids us to earn from interests and we also shouldn’t pay interests. That means we should think twice before taking out a loan. Some of the reasons behind this is to remove sentiments of selfishness and self-centeredness. I don’t only speak about banks, also when you borrow money from a friend, he’s not allowed to ask for more than he gave you. Same thing with other material things, not only money. Hope I could answer your question.