I'm 21, a architecture student in Taiwan just enjoying your voice and will listen to you talk about anything ❤ we still go to school and work here in Taiwan, I hope everything gets better over there 🌈
There is a difference between deferment and forbearance. Deferment tacks it on the back of the loan. Forbearance which is what most banks are doing let you not pay for a specific time and then it’s due in full at the end of that time. MAKE SURE YOU KNOW THE DIFFERENCE .
We don’t eat out like ever so that hasn’t changed haha, and I feel like we have spent more money for groceries because my husband is going out shopping and he might not be paying to small prices changes. . And I loved all of your tips and agree that long term building up the emergency fund as much as possible!!! Hopefully this doesn’t last longer than a few months...
Angela! You are stunning today! I mean you always look gorgeous but I am loving this whole look! The eyes, the lips, the nail color, the rings, the top, the hair, the hoops... EVERYTHING!!! Oh and loved this video too!!!
We just started Dave Ramsey's Financial Peace University last month and are in Baby Step 1 so we're just throwing money into savings until this passes then we'll be moving along to Baby Step 2. ❤ Our income is steady even during this and my son's speech therapy was switched to online and covered thank the lord 🙏
Yep def. good advice about talking to your mortgage company. I know the major US bank I work for is doing forbearance instead of deferment, which means that for 3 months you can put of paying your mortgage however you will need to be current after 3 months (so all 3 months worth due at once). something to keep in mind and also have a dose of patience because a lot of people lost jobs and are calling mortgage depts or are trying to do refi's due to low interest rates. If you lost your job, it definitely is a good plan to put off paying any bills especially if your emergency fund is not well funded.
You and your sister both posted a budgeting video on the same day. Love you both great minds think alike especially sisters. I have a really close sister as well.
Amariah Dawes I don’t think she was talking about doing all of this because her income is affected by the virus, it’s how she’s managing to save more money by cutting expenses in case in the virus ends up effecting them more later down the line
Amariah Dawes just guessing but maybe there aren’t a lot of brand deals or sponsorships available right now. A lot of youtubers rely on these more than just ad revenue
Thank you for sharing these ideas and personal decisions. We’re a family of 7 & these videos help us know we aren’t alone in our tough choices! Ps I love your lipstick!
Love these hints! Thank you! My mortgage will defer 3 months....it’s a huge help! We would never have thought to check with them about this without your suggestion. Thanks again!
Thanks for the tips!! So nice to hear someone else's perspective. Also, love your eyeshadow in this one. Would love to see a tutorial. Something different to distract from all the hard right now.
I look at you and feel motivated to loose weight. It is so hard but you did it an look amazing. Could you do a blog on your IM fasting to help those of is that would like to try it?
Great tips, and you are looking particularly lovely today. You seem to have made a conscious effort not to "preen" - no touching of your face or hair, adjusting clothing, jewelry etc; it is refreshing and appreciated.
Thank you Angela. You gave great food for thought. On an unrelated topic, I wanted to thank you for telling us about Rakuten! I signed up that day and have not regretted it! Especially since anything I I do purchase, for right now, is online. I wanted to share that with you because you give great suggestions or ideas! Also, I can’t believe how big Benjamin is getting- saying his name in a French accent! He is such a beautiful baby. Stay safe and healthy Donna
I think this video so helpful. I'd rather watch these type of videos. I work as a carer and some youtubers are just sharing sales for online shopping. I know it's there job,but delivery drivers and people still working are risking there life. So do you really need to buy a dress? If you're at home?
Your look today, is stunning ❤️ Great tips. I don’t think my husband and I are will feel the effects until a few weeks or months from now. I’m still working but he is not. We have savings and have been able to pay all of our bills. I didn’t realize how much we ate out until we stayed home. That has helped too.
Interestingly enough, my hubby just read an article that Amazon hasn't lost any profits during this time.. I thought that very odd with a million people going onto unemployment in March in my country. (Canada)
Great video , thank you for sharing this to us. Looking so beautiful dear Angela 😍.. Sending you & your beautiful family tones of love & stay safe 🙏🏻❤️ Hope one day you will come me to Australia 🇦🇺 xx
I'm not trying to say you should do the dave ramsey system, but just fyi the $1,000 emergency fund is only till after you finish paying off consumer debt (not mortgage), and he generally tells people to pause their debt snowball when there is a financial crisis and stockpile cash.
He also advises sinking funds. Putting money aside for Christmas, car registration, car repairs etc. So most people have more than $1000 but it's allocated for specific things.
Girl yes. We have a special needs kid and when a cpa told us to bottom out our saving to pay off debt I laughed and said no. He understood when I finished explaining, but my kids ankle braces are $1500 a pop, so if somehow they break or something crazy I need to be able to shell that out in cash that day. If there is a need he has, I need to be able to afford it, so I'm not letting go of our savings. We have lowered our debt by 60% in 2 years and would have been debt free by July if this hadn't happened, but as soon as it did we pressed pause on debt repayment. My husband's income is secure, mine is gone, but mine was very small, so we will be ok. We are in a "hunker down and stuff it in your mattress" kind of mode until this is over lol.
Mrs. Stocky my daughter also has special needs and has worn an AFO brace for maybe 13 years. We have never had to pay for her braces, they are covered through CA children’s services. She qualifies for this service without regard to income simply because of her disability. Only mentioning this in case you can see if your state or area has something you can sign up for. We have a regional area case worker that helps to let us know if different services available to us.
We are kind of doing the same. We had a couple thousand dollars to do a couple home repairs and we decided that we would hold off until this is over just in case we need it for something else 🤷♀️ Just trying to hold on to what money we have.
So I’m a minimalist and I am struggling with online shopping now!!! 🤦🏻♀️ It’s crazy I’ve never struggled with this. I think our biggest saving this last month has been gas. We are in California and gas is expensive. Now we are not driving and the gas prices have dropped a $1 per gallon here! It’s been great!!! Thanks for your videos honey. Love them!!!
2 things: First of all I didn’t knew how much I needed this video Secondly your hair is tempting me to spend money on my hair 😂 such a beautiful color!! Is it hard to maintain?
So sorry you guys are being affected financially. We thankfully are not due to my husband’s essential job, but definitely are saving money Incase something comes up.
My mortgage is giving 3mths to the back of the loan. Car payment is 4mths. Auto insurance is 2mths. Everything else dont seem to care or offer anything. I just want to know how people save when they dont have it to save. For example , say we bring in 7,000 a month...and what goes out is 7,000. Even after being very thrifty. Kids clothes are handed down or bought in second hand stores, no gyms fee, no streaming, no computers, no jewelry, no nice vehicle, no big horse with trendy decor, no pets, no lawn service, no fancy foods, no eating out, no games....nothing non essentials....not even seeing a doctor and working as much as possible. How do those people save anything?
May lord fulfill al your needs through his Riches and Grace... God bless you, you are doing incredible job unlike other...don't get sad when you get unexpected comments...you are the best..
Is your husbands former position something he could go back to and work from home? Maybe do that and put that income solely into the student loans and then the next debt and so on, and once those things are paid he could stop that position again?
Delaying you morgage is not really a good idea. Because at the end of those 3 months you will have to pay everything at once as a lumpsum. Let's say you're paying 2000$ a month for your morgage. At the end of this delaying period you will have to pay 6000$ at once. That's a lot of money to pay at once. So do everything you can and pay that morgage!
Not going to pressure my boys into what they should do college etc going to let them do what they want, too much pressure from my mum.. Growing up, just did what she thought what I should do....
Your lipstick is cute and the nail is the same color cute I see what you are saying but it is so hard because there is something that you can't stop making payments like insurance your rent your car insurance and when did supermarket became so expensive and ya I know student loan ya I am still paying that it was 10 year ago and man the interest on that and I called but still have to pay that so in all a lot of this still have to make a payment specially when you are not working because of what is happing school are closed so no job it is not easy but I thing most people are in the same boat
I'm very grateful that I am not financially affected by this crisis. I'm from Germany and employee right here are pretty good, so im currently out of work, while still receiving a paycheck. So right now I am saving a lot of money, because I usually spend a lot of money on experiences an travel.
Same. I feel very grateful that during these unprecedented times...my family is not suffering financially! My husband and I are both working from home and getting fully paid. Actually I am just working about a couple of hours per day but still getting fully paid and him as well. Also we are both getting our yearly raises despite the current situation. Plus like she mentioned...we are saving on daycare costs which are above $1000 per month. No gas expenses as both of our cars are sleeping in the garage etc. My heart goes out to people who are financially struggling though. I feel truly blessed. A bit guilty even sometimes. I thank the Lord.
So I heard this from other youtubers so not sure it applies to them too, but since they get payed by ad revenue and companies are putting less ads then they are getting less money from that. Also companies are not going to do sponsored videos quite as much if they themselves are loosing money. Might not apply to them as they may have other income sources that I’m not aware of
So I heard this from other youtubers so not sure it applies to them too, but since they get payed by ad revenue and companies are putting less ads then they are getting less money from that. Also companies are not going to do sponsored videos quite as much if they themselves are loosing money. Might not apply to them as they may have other income sources that I’m not aware of
This is totally off topic I just noticed your not wearing you pretty necklaces... to me it seem like your missing something lol...thank you for all your videos they’ve been very helpful. God bless you and your family.
Not all mortgage companies are moving it to the back end. Most of the companies/banks require that you pay all 3 payments along with the 4th month on the 4th month. If you can not pay all 4 months then you need to file for a mortgage modification. It does not mean you will qualify for a modification. Folks need to clarify with their holder exactly how that companies deferment program works.
Me, a 21 yo poor af student living in nyc watching this video just because I love listening to your voice and what you have to say haha
You look stunning in this video! As I sit at home in mis matched pjs and second day hair in a mom bun lol
I'm 21, a architecture student in Taiwan just enjoying your voice and will listen to you talk about anything ❤ we still go to school and work here in Taiwan, I hope everything gets better over there 🌈
My goodness your lipstick and nail polish and eyeshadow are GORGEOUS 🙀
There is a difference between deferment and forbearance. Deferment tacks it on the back of the loan. Forbearance which is what most banks are doing let you not pay for a specific time and then it’s due in full at the end of that time. MAKE SURE YOU KNOW THE DIFFERENCE .
You look absolutely stunning Angela! ❤️
This makes me so thankful to have a steady good paying job!
Yes! Budgeting us so personal and you have to do what works for you.
I love hearing how others are dealing with these life things.
We don’t eat out like ever so that hasn’t changed haha, and I feel like we have spent more money for groceries because my husband is going out shopping and he might not be paying to small prices changes.
.
And I loved all of your tips and agree that long term building up the emergency fund as much as possible!!! Hopefully this doesn’t last longer than a few months...
Angela! You are stunning today! I mean you always look gorgeous but I am loving this whole look! The eyes, the lips, the nail color, the rings, the top, the hair, the hoops... EVERYTHING!!!
Oh and loved this video too!!!
We just started Dave Ramsey's Financial Peace University last month and are in Baby Step 1 so we're just throwing money into savings until this passes then we'll be moving along to Baby Step 2. ❤
Our income is steady even during this and my son's speech therapy was switched to online and covered thank the lord 🙏
I'm a semi new subscriber so I'm kinda playing catch up, but it's been nice to see your family's dynamics. You all seem down to earth and fun. 🌻
Yep def. good advice about talking to your mortgage company. I know the major US bank I work for is doing forbearance instead of deferment, which means that for 3 months you can put of paying your mortgage however you will need to be current after 3 months (so all 3 months worth due at once). something to keep in mind and also have a dose of patience because a lot of people lost jobs and are calling mortgage depts or are trying to do refi's due to low interest rates. If you lost your job, it definitely is a good plan to put off paying any bills especially if your emergency fund is not well funded.
You and your sister both posted a budgeting video on the same day. Love you both great minds think alike especially sisters. I have a really close sister as well.
mommaj jess wait! She has a sister?? On TH-cam? What’s her TH-cam channel?
I noticed the same!
Crystal Redmond ASHLEIGH NICOLE WILSON is her channel name. Ashleigh is Angela’s older sister
Her sister’s channel is ashleigh Nicole Wilson
Thank you so much for being so down-to-earth and helpful. It really does take a village. We all are in this together - worldwide. 👍
Why is your income affected by the virus situation? I would assume that media consumption is up so ad revenue should be up? Do you mind explaining?
Amariah Dawes I don’t think she was talking about doing all of this because her income is affected by the virus, it’s how she’s managing to save more money by cutting expenses in case in the virus ends up effecting them more later down the line
I’d imagine it’s brand deals, sponsorships and Instagram ad deals as companies aren’t pushing advertising much at the mo x
Amariah Dawes just guessing but maybe there aren’t a lot of brand deals or sponsorships available right now. A lot of youtubers rely on these more than just ad revenue
Im guessing ad revenue is tied to stocks and the stock market in general has plummeted recently. I dont know. Just speculating.
I saw another youtuber say ad revenue is down by 75% right now.
I feel you on the selling stuff. I’m like people are freaked about germs, I guess no ones buying second hand.
Thank you for sharing these ideas and personal decisions. We’re a family of 7 & these videos help us know we aren’t alone in our tough choices! Ps I love your lipstick!
UK banks are deferring loan and decreasing overdraft charges. But you need to phone the bank and ask.
Angela! Girl! Your lipstick and nail color combo is giving me LIFE!
Youve increased the cat print. Embracing your inner carole baskin? 😂 just kidding!
😂😂😂 yep!
If CR goes missing, now we know 😂 just kidding just kidding
You look beautiful and your voice is so easy to listen to! Thank you for the helpful video 🙂
Love these hints! Thank you! My mortgage will defer 3 months....it’s a huge help! We would never have thought to check with them about this without your suggestion. Thanks again!
Wonderful advice....thankyou & be well !!!
Happy 🐰 weekend with your dear family!
If you have merch I’d love it!
I’ve made $400 in the past few weeks selling lots of maternity clothes on eBay. It’s worth a shot trying to sell stuff!
Thanks for the tips!! So nice to hear someone else's perspective. Also, love your eyeshadow in this one. Would love to see a tutorial. Something different to distract from all the hard right now.
I look at you and feel motivated to loose weight. It is so hard but you did it an look amazing. Could you do a blog on your IM fasting to help those of is that would like to try it?
Greek Mom she did a video about 2 months ago on her Intermitted fasting journey
Great tips, and you are looking particularly lovely today. You seem to have made a conscious effort not to "preen" - no touching of your face or hair, adjusting clothing, jewelry etc; it is refreshing and appreciated.
Giiiirrrrllll you look stunning!! Hope you guys are staying safe and healthy! 🙏🙏💗💗
Thank you! Some things I hadn't thought of .... Im in the deer in the headlight mode, I needed you to tell me some ides!! So perfect!
Thank you Angela. You gave great food for thought.
On an unrelated topic, I wanted to thank you for telling us about Rakuten! I signed up that day and have not regretted it! Especially since anything I I do purchase, for right now, is online.
I wanted to share that with you because you give great suggestions or ideas!
Also, I can’t believe how big Benjamin is getting- saying his name in a French accent! He is such a beautiful baby.
Stay safe and healthy
Donna
these are good options. thank you Angie!
"sometimes I cross the line and I'm not sure where it is" 🤣❤️🙌🏼 love it! Keep being you, keep being awesome!! Love all the videos!
I think this video so helpful. I'd rather watch these type of videos. I work as a carer and some youtubers are just sharing sales for online shopping. I know it's there job,but delivery drivers and people still working are risking there life. So do you really need to buy a dress? If you're at home?
Your look today, is stunning ❤️ Great tips. I don’t think my husband and I are will feel the effects until a few weeks or months from now. I’m still working but he is not. We have savings and have been able to pay all of our bills. I didn’t realize how much we ate out until we stayed home. That has helped too.
Interestingly enough, my hubby just read an article that Amazon hasn't lost any profits during this time.. I thought that very odd with a million people going onto unemployment in March in my country. (Canada)
You look absolutely beautiful today. I love the orange-red lipstick. Good advice.
Omg!!!! Angie you are stunning! I need to know this lip color 🙏 better yet we need a tutorial! Xoxo
Great video , thank you for sharing this to us. Looking so beautiful dear Angela 😍.. Sending you & your beautiful family tones of love & stay safe 🙏🏻❤️ Hope one day you will come me to Australia 🇦🇺 xx
Dont usually make comments like this, but Angela!, your makeup is flawless! You look gorgeous!
About savings, maybe you should put some into precious metals because if the US dollar crashes, all the liquid many can crash with it.
Thank you for the tips!!!
I'm not trying to say you should do the dave ramsey system, but just fyi the $1,000 emergency fund is only till after you finish paying off consumer debt (not mortgage), and he generally tells people to pause their debt snowball when there is a financial crisis and stockpile cash.
He also advises sinking funds. Putting money aside for Christmas, car registration, car repairs etc. So most people have more than $1000 but it's allocated for specific things.
Girl yes. We have a special needs kid and when a cpa told us to bottom out our saving to pay off debt I laughed and said no. He understood when I finished explaining, but my kids ankle braces are $1500 a pop, so if somehow they break or something crazy I need to be able to shell that out in cash that day. If there is a need he has, I need to be able to afford it, so I'm not letting go of our savings. We have lowered our debt by 60% in 2 years and would have been debt free by July if this hadn't happened, but as soon as it did we pressed pause on debt repayment. My husband's income is secure, mine is gone, but mine was very small, so we will be ok. We are in a "hunker down and stuff it in your mattress" kind of mode until this is over lol.
Mrs. Stocky my daughter also has special needs and has worn an AFO brace for maybe 13 years. We have never had to pay for her braces, they are covered through CA children’s services. She qualifies for this service without regard to income simply because of her disability. Only mentioning this in case you can see if your state or area has something you can sign up for. We have a regional area case worker that helps to let us know if different services available to us.
Awesome video!! Great ideas! Can you please share what nail polish you have on! I can’t stop staring LOL
Thank you for sharing this! ❤️
We are kind of doing the same. We had a couple thousand dollars to do a couple home repairs and we decided that we would hold off until this is over just in case we need it for something else 🤷♀️
Just trying to hold on to what money we have.
Just started the video but I just have to say I can’t stop staring at your face!! You look gorgeous!! Lol ok back to the video 😂
Marisa Martinez sane! 🙋🏼♂️
On a side note, you lock GORGEOUS on this video 😍✨
Okay...Glam look!👏🏼💄💋
Can you do a makeup tutorial? Silly I know but I love your look!
For selling all kinds of items. I would recommend the app Mercari. Super easy to use. I have been using that app for almost a year with no problems(:
So I’m a minimalist and I am struggling with online shopping now!!! 🤦🏻♀️ It’s crazy I’ve never struggled with this. I think our biggest saving this last month has been gas. We are in California and gas is expensive. Now we are not driving and the gas prices have dropped a $1 per gallon here! It’s been great!!! Thanks for your videos honey. Love them!!!
Great tips, thanks!
2 things:
First of all I didn’t knew how much I needed this video
Secondly your hair is tempting me to spend money on my hair 😂 such a beautiful color!! Is it hard to maintain?
Mariana B. Sousa I love this beautiful color too!! I am thinking to change my hair color, and I love the length of the hair too ...
We rent our home. Hubby has lost his job. We aren't allowed to sell things right now due to collection/pick up etc. The struggle is real :(
I love the video but can you do makeup ones your makeup is amazing!!!!! Literally beautiful girly!! ❤️❤️❤️❤️❤️
💜💜💜 love your videos
That lipstick is perfect on you!
Your make-up is super glam today! I love it!!!
So sorry you guys are being affected financially. We thankfully are not due to my husband’s essential job, but definitely are saving money Incase something comes up.
Thank you so much. This helps
If you move payments you should pay the interest every time you get paid if your working.
My mortgage is giving 3mths to the back of the loan. Car payment is 4mths. Auto insurance is 2mths. Everything else dont seem to care or offer anything. I just want to know how people save when they dont have it to save. For example , say we bring in 7,000 a month...and what goes out is 7,000. Even after being very thrifty. Kids clothes are handed down or bought in second hand stores, no gyms fee, no streaming, no computers, no jewelry, no nice vehicle, no big horse with trendy decor, no pets, no lawn service, no fancy foods, no eating out, no games....nothing non essentials....not even seeing a doctor and working as much as possible. How do those people save anything?
Waw happy family and l love your family ♥️
Off topic... I'm not a makeup person but, Yours is on point.
May lord fulfill al your needs through his Riches and Grace... God bless you, you are doing incredible job unlike other...don't get sad when you get unexpected comments...you are the best..
👏 Thanks.
Is your husbands former position something he could go back to and work from home? Maybe do that and put that income solely into the student loans and then the next debt and so on, and once those things are paid he could stop that position again?
Great Video Idea😊
Did you and Ashleigh coordinate on this one? She just posted a video on budgets too. Lol
Makeup tutorial on your look today!!!!!!
Delaying you morgage is not really a good idea. Because at the end of those 3 months you will have to pay everything at once as a lumpsum. Let's say you're paying 2000$ a month for your morgage. At the end of this delaying period you will have to pay 6000$ at once. That's a lot of money to pay at once. So do everything you can and pay that morgage!
What nail polish are you wearing?
You look amazing today!!
That lip color! 😍
Not going to pressure my boys into what they should do college etc going to let them do what they want, too much pressure from my mum.. Growing up, just did what she thought what I should do....
You look incredibly gorgeous in this video 😍
37 still stuck, always wanted to do law..
Your lipstick is cute and the nail is the same color cute I see what you are saying but it is so hard because there is something that you can't stop making payments like insurance your rent your car insurance and when did supermarket became so expensive and ya I know student loan ya I am still paying that it was 10 year ago and man the interest on that and I called but still have to pay that so in all a lot of this still have to make a payment specially when you are not working because of what is happing school are closed so no job it is not easy but I thing most people are in the same boat
thankyou
I'm very grateful that I am not financially affected by this crisis. I'm from Germany and employee right here are pretty good, so im currently out of work, while still receiving a paycheck. So right now I am saving a lot of money, because I usually spend a lot of money on experiences an travel.
Same. I feel very grateful that during these unprecedented times...my family is not suffering financially! My husband and I are both working from home and getting fully paid. Actually I am just working about a couple of hours per day but still getting fully paid and him as well. Also we are both getting our yearly raises despite the current situation. Plus like she mentioned...we are saving on daycare costs which are above $1000 per month. No gas expenses as both of our cars are sleeping in the garage etc. My heart goes out to people who are financially struggling though. I feel truly blessed. A bit guilty even sometimes. I thank the Lord.
How are you affected financially? Curious, not judging!
Angela-why has your income gone down substantially? Are people watching less, or clicking affiliates less?🤔Thanks for sharing this info, stay strong😘
Less sponsorships
Amy Kindley I think it’s more to do with sponsorships rather than views reducing
So I heard this from other youtubers so not sure it applies to them too, but since they get payed by ad revenue and companies are putting less ads then they are getting less money from that. Also companies are not going to do sponsored videos quite as much if they themselves are loosing money. Might not apply to them as they may have other income sources that I’m not aware of
So I heard this from other youtubers so not sure it applies to them too, but since they get payed by ad revenue and companies are putting less ads then they are getting less money from that. Also companies are not going to do sponsored videos quite as much if they themselves are loosing money. Might not apply to them as they may have other income sources that I’m not aware of
If you want to help, watch the full advertisements!
This is totally off topic I just noticed your not wearing you pretty necklaces... to me it seem like your missing something lol...thank you for all your videos they’ve been very helpful. God bless you and your family.
Did you and Ash share brains when thinking of the next video? 😁
I’m starting to think so! Lol! Freaky!
I thought surely it it was a colab!
U look lovely today angela x Godbless x
You're giving off a total Carol Baskin vibe with those cheetah print pillows in the background. Lol
Great tips!
Go do some yoga and gentle stretching. Or buy something for an at-home massage.
💚😬
I would think people are watching TH-cam more than ever with all the down time, and your income has decreased? Hmmm.
Not all mortgage companies are moving it to the back end. Most of the companies/banks require that you pay all 3 payments along with the 4th month on the 4th month. If you can not pay all 4 months then you need to file for a mortgage modification. It does not mean you will qualify for a modification. Folks need to clarify with their holder exactly how that companies deferment program works.
Great tips,thank you!!
You look amazing today!