On top of using cash, my hubby and I use cash envelopes for various things in out budget. For example, groceries and fuel money will fo in different envelopes.
Definitely worth watching if you want to save money. #1. Get organized #2. Switch insurance companies #3. Cancel unnecessarily subscriptions #4. Pay more into your debts #5. Pay in cash #6. Skip the Soda #7. Work out at home #8. Save money on prescriptions #9. Use a shopping lost #10. Buy in bulk #11. Meal prep #12. Declutter #13. Automate your finances #14. Start couponing #15. Downsize your living space #16. Reduce mortgage payments #17. Shop pre-owned or second hand. These were some really awesome and very practical tips. Thank you🌻
Literally stopped the video at 2mins, logged onto my PayPal and cancelled all my monthly subscriptions - I was spending $75 a month on services I either never realised I used or used once in a while. Great tip 👍
Excellent presentation. I've been doing All for over 6yrs now. I have a 850 credit score, debt free ( exception for Mortgage, the good debt) and on my to early retirement in my 50's. 🙏🏾👍🏾✅✨🤗🖇
One way that has really helped me save is doing grocery pickup. It makes meal prep easier and I avoid going in to the store and grabbing unnecessary items 😊
I agree! Even though I need to pay for the service, overall I am saving money because I know how much my total is beforehand and reduce impulse purchases. Also less waste.
I enjoyed your talk about saving money. Some of the ways that I save money is that I cook most of my meals,color my hair instead of going to a salon, I stopped getting my nails done professionally and do them at home. These are just a few of the many ways that I have been able to save money.
I’m old school-every time I get paid, I drive straight to the bank, I take out my savings money in cash and place it in an envelope. I noticed if I tried to save electronically, I’d transfer the money from savings almost every time. This way, if I’m going through my busy work day, I can’t spend it because I can’t leave work to drive all the way home to get the cash.
Great advice!!! New sub here! Oftentimes, I try to buy a large pack of meat and use it for multiple meals. So instead of buying one lb of ground beef at $4.99, I will buy 5 lbs of ground beef on sale for $13. Five one lb packs of ground beef will cost me ~$25, so I save $12. I also substitute higher cuts of meats for cheaper cuts. So for fajitas I may use boneless, skinless thighs vs chicken breasts, unless it's on sale. Legs and thighs are often on sale for $.99/lb in my area. I only but meats that are on sale for the week.
@@kristenalmonte1110 yes; you can reach out to your mortgage lender to find out how to do this. Sometimes you have to make an extra payment upfront in order to get started (depends on the lender) but otherwise it should be a painless process. Paying biweekly breaks your payments up. For example, I pay on the 15th and the 30th which coincides with when I get paid at work.
I love thrift shopping and I shop online on SHEIN which is cheaper than regular stores. But I need to stop buying clothes every month. Also I would love to start couponing.
I've cancelled a number of subscriptions and I feel like a burden has been lifted. Cash makes you think twice about spending and is the way to go. Great tips!
Open a maintenance account for yourself and automatically put the money you were using for subscription in it. At the end of the year if you want to treat yourself to anything you'll take it from that account. It's also a good idea to have between 5 and 10% of your pay transfered there . The money adds up and it's very freeing to know if you want to go on vacation or buy something expensive for yourself you already have an account for those purchases.
Great tips. I am in the process of selling my house and moving to a cheaper area. I use to pay by cash but when the pandemic hit, I went contactless. Maybe I will think about going back to cash as it definitely saved me money. I also need to make more effort to meal plan. Love your videos they are really inspirational and helpful.
Instead of wasting money on ordering coffee out and eating out a lot, and buying stuff we don’t really need when our grandchildren were born we opened a 529 plan and put that extra money we had in there for their college someday. They are now in college and are so thankful we can help pay for it. It brings us more joy knowing they will be debt free when they graduate instead of them getting the money when we pass away in the future.
Having a realistic budget, Tracking my expenses, setting a strict spending ceiling monthly. But this works for me because I already have a short term emergency fund and a long term (ie 6 months of expense) emergency fund. This are key principles I believe in sharing at Good Eve Financial Literacy. I am just starting out, and hope my videos can look as beautiful as Bola's one day soon!
Great channel! Not sure how I found myself here but well presented! Downloading the other videos and will share with my nieces and nephews who just started working!
Grocery shopping on line helps me to stay within the the budget because I can see what I am spending as I go along. Also I can stall and compare prices on items. Delivery offers help as midweek is cheaper and as stores are several miles away it is cost effective for me. I buy clothes off season and save that way too. After the winter holiday is a good time for this.
We also revamp our vacation options regularly. Last year we decided that instead of mad rushing trying to do a major end of year vacay back home to NY/Niagra Falls (it's mid November in the south.but blizzard temps there) and dealing w definite possibility of cancelled flights (if there was even a reasonably priced one 🙄), car rental, hotel rental, meal places, & getting stuck that we would take a nice day trip to Ruby Falls 1.5 hour drive from home (& can do less than a tank of gas 👊🏾), caught a bite and do a little picture taking up on Lookout Mtn, then we came back that evening of December 30th. Then we got up early New Year's Eve & headed to Savannah next morning. Got down there mid afternoon, checked into a wonderful classic hotel/bead & breakfast to enjoy the ambiance, took a trolley tour, strolled the shops and historic landmarks, found a nice little restaurant & grabbed a bite & relaxed before heading to set up our chairs & fuzzy blankets on the waterfront. We watched the fireworks and welcomed in the new year. Both trips came to less than half (including aggravation tax of the Niagra trip)😂. We were less than a day either way from home, didn''t have to deal w TSA, ice on the wings, possibly getting stranded on runways, possibly no snacks, cranky everybody, etc and STILL came wayyyy within our "getaway" budget.😊 We're also big on brown bagging our lunch (& breakfast for me) but I don't prefer nuking my food so I invested in something called a Hot logic. I saw some vids by flight attendants who don't like nuking their food when they get to their hotels. It looks like a small lunch box, folds flat, & has a heating element inside (about the size of a tablet). But it's not quite a hot plate. It can fit a micro/frozen meal, but I use the little mini loaf pans that come 3 in a pack from the dollar store. In one, I heat up my waffles & sausage, in another, I heat up my lunch (usually a potato wedge and chicken or cut up pork chop or spaghetti, & in another I might have a piece of banana bread or not. Sometimes I mix my oatmeal w fruit & milk & put the little 4oz ceramic bowl in it for my breakfast. Hubs makes great seafood soups and I LOVE taking lobster and shrimp bisque during these chilly days😊. It zips shut, doesn't burn, and once my food is heated, it maintains the temp until I'm ready for it. Best $20 I've spent. My coworkers are absolutely jealous because my little office smells better than the nuked whatever they've just rubberized😂. ~Great ideas, Bola!! Keep it up!
I am a couponer. About two years ago I was I started trying to figure out how to cut cost on my husbands glucerna (he is a diabetic) and these nutritional supplements can be a quite costly. I discovered that Publix supermarkets was practically giving these nutritional items away if you used a Publix coupon plus a manufacturer coupon. I was sold since then there are certain things that I don’t pay full price for if I pay anything besides tax. I don’t pay for shampoo, toothpaste, toothbrushes, brand name laundry items and the list goes on. In fact, many of my gifts (birthday, baby showers etc) come from my stockpile. I can truly go the next 9 months or more without having to buy paper Towels, bath tissue, tissue, cold medicine etc.
Don't worry about what others are doing. They are responsible for their life and choices and you're responsible for your life and choices. Be a thrifty trend setter.
I am already doing most of these. I just can't get with 2nd hand clothes or things you eat with...unless it's from immediate family. Furniture is alright though. I just wish I could figure out the couponing app!
In my area are some acticities for free e.g. classical Orgel conserts, City walks about different topics or free museums tours. They are all so interesting and I needn't to spend my Money🤑. Also, I don't just sit in my Appartement to watch Netflix 😚.
I thought I was the only person who did that. Lol. Yes that's the best way. I usually take the 5 year loans because the payments are smaller but I pay it weekly and finish it in 2 to 3 years. The smaller payments give me a sense of security incase my hours are reduced. It's easier to find $200 than $ 500 incase my hours tried up.
For travel, if I don't have cash to pay for my package I don't go. And when travelling, I look for sales and read reviews on TripAdvisor to make sure I am going to a decent place and also for tour advice. I always get good deals for 4 star resorts. I buy my groceries when they are on sale. Buy your milk in the 3 bags package and freeze. Use one at a time. I also shop in stores when things are on sale. For seniors shop on seniors discount day. I shop for some things at large discount stores. They have high quality things for the kitchen for half the price. You can also get good quality clothes if you have time to search through the racks. Call your utility providers to get them to lower your monthly rates. They do this on a yearly basis. Check out places that sell goods from bankrupt stores. I got my last wide screen new TV for $120 Can. We all know that large families should buy at the big box stores to buy in bulk. I hope this helped.
So I just came across your channel!!! I am looking forward to watching and learning because I am 51 and I have nothing to show for. Very disappointing and ashamed of myself at this point of my life.
No, you have kept yourself fed and have a roof over your head. Now that you want more you can do it. You have brought yourself through 50 years. That alone is no small feat. Start from here.
It’s never too late my dear sis. It’s what you do from now that matters. Ensuring you are equipped with necessary info and you will be amazed at what you can achieve from now onwards. Don’t despise days of small beginnings
Championing for you. Today forward is a new way of thinking and behaving. We do what we know until we know better. We all can relate to that in some aspect of our lives.
It's not too late for anything. Now that you are aware make the changes. Open a retirement account if you don't have one. Look if you job has 401 K and you can also open a Roth ira. You have 15 more years to work.
What are some ways in which you are able to save more money each month? Share below! Thanks for tuning in!
Carrying packed lunch somedays have really helped Big tym
Save first before spending...automatic bank transfer to savings account ❤
Buy in bulk.. and take food from home to offices or business.
@@timogach this makes a huge difference.
On top of using cash, my hubby and I use cash envelopes for various things in out budget. For example, groceries and fuel money will fo in different envelopes.
Definitely worth watching if you want to save money.
#1. Get organized
#2. Switch insurance companies
#3. Cancel unnecessarily subscriptions
#4. Pay more into your debts
#5. Pay in cash
#6. Skip the Soda
#7. Work out at home
#8. Save money on prescriptions
#9. Use a shopping lost
#10. Buy in bulk
#11. Meal prep
#12. Declutter
#13. Automate your finances
#14. Start couponing
#15. Downsize your living space
#16. Reduce mortgage payments
#17. Shop pre-owned or second hand.
These were some really awesome and very practical tips. Thank you🌻
Literally stopped the video at 2mins, logged onto my PayPal and cancelled all my monthly subscriptions - I was spending $75 a month on services I either never realised I used or used once in a while. Great tip 👍
I stopped bc I remembered I had a free trial that was going to end in a few days (and start charging $8.99) and needed to cancel it!
This is a strong testimony of the video
I did the exact same thing lol
@Susel wow! So true.
haha! Same! I also paused to put 10% of my last paycheck into savings
I was able to save $200 a month by simply making my coffee at home☕️ I was buying 2 to 3 cup a day😋
Congratulations 🥳
Excellent presentation. I've been doing All for over 6yrs now. I have a 850 credit score, debt free ( exception for Mortgage, the good debt) and on my to early retirement in my 50's. 🙏🏾👍🏾✅✨🤗🖇
Congrats!
Wow... Great.
How did you do that?
That's awesome!
@@keziahofeiankra-badu5634 4rt trtr
One way that has really helped me save is doing grocery pickup. It makes meal prep easier and I avoid going in to the store and grabbing unnecessary items 😊
That’s definitely a great way to stick to your list!!
I agree! Even though I need to pay for the service, overall I am saving money because I know how much my total is beforehand and reduce impulse purchases. Also less waste.
@@Clevergirlfinance 😘
I enjoyed your talk about saving money. Some of the ways that I save money is that I cook most of my meals,color my hair instead of going to a salon, I stopped getting my nails done professionally and do them at home. These are just a few of the many ways that I have been able to save money.
Love this! Thanks for sharing!!
I paid off my debt by depositing more than the minimum as you have said. It really helps.
Very helpful hints, and when you buy groceries in bulk, check the expiry date. This is very important.
I’m old school-every time I get paid, I drive straight to the bank, I take out my savings money in cash and place it in an envelope.
I noticed if I tried to save electronically, I’d transfer the money from savings almost every time. This way, if I’m going through my busy work day, I can’t spend it because I can’t leave work to drive all the way home to get the cash.
Wow
I need to do this
You can also put your savings into a bank or credit union that is not convenient. Like on the other side of town, so it's not easily accessible.
Great advice!!! New sub here! Oftentimes, I try to buy a large pack of meat and use it for multiple meals. So instead of buying one lb of ground beef at $4.99, I will buy 5 lbs of ground beef on sale for $13. Five one lb packs of ground beef will cost me ~$25, so I save $12. I also substitute higher cuts of meats for cheaper cuts. So for fajitas I may use boneless, skinless thighs vs chicken breasts, unless it's on sale. Legs and thighs are often on sale for $.99/lb in my area. I only but meats that are on sale for the week.
I do a biweekly mortgage. This helps with adding an extra payment at the end of year since there are two months that we get paid three times.
Super smart! Love this!
We do a bimonthly car payment. It is easier then making a lump sum every month.
You pay your mortgage biweekly? 2x monthly??
@@kristenalmonte1110 yes; you can reach out to your mortgage lender to find out how to do this. Sometimes you have to make an extra payment upfront in order to get started (depends on the lender) but otherwise it should be a painless process. Paying biweekly breaks your payments up. For example, I pay on the 15th and the 30th which coincides with when I get paid at work.
@@tarynstewart8279 I think you just can without setting anything up. Just wondering where the extra money is coming from to do this.
I love thrift shopping and I shop online on SHEIN which is cheaper than regular stores. But I need to stop buying clothes every month. Also I would love to start couponing.
I’ve started doing pick up services at stores, that way I’m not distracted. I stay focused and not doing any Impulse buying. It helps.
⁷
I love this idea! 💡
2 years old and still timely advice for me ❤
Thanks for being here!
I've cancelled a number of subscriptions and I feel like a burden has been lifted. Cash makes you think twice about spending and is the way to go. Great tips!
I totally agree!
💯💯💯
Open a maintenance account for yourself and automatically put the money you were using for subscription in it. At the end of the year if you want to treat yourself to anything you'll take it from that account. It's also a good idea to have between 5 and 10% of your pay transfered there . The money adds up and it's very freeing to know if you want to go on vacation or buy something expensive for yourself you already have an account for those purchases.
One thing i do is to save before spending,you talked about a budget,saving are also on my budget list.
Love it!
Great tips. I am in the process of selling my house and moving to a cheaper area. I use to pay by cash but when the pandemic hit, I went contactless. Maybe I will think about going back to cash as it definitely saved me money. I also need to make more effort to meal plan. Love your videos they are really inspirational and helpful.
Thanks so much for being here!!
Instead of wasting money on ordering coffee out and eating out a lot, and buying stuff we don’t really need when our grandchildren were born we opened a 529 plan and put that extra money we had in there for their college someday. They are now in college and are so thankful we can help pay for it. It brings us more joy knowing they will be debt free when they graduate instead of them getting the money when we pass away in the future.
Love this! Thanks for sharing!
So smart!
You just got a new subscriber from🇯🇲.Your contents are so precise and not too long and drawn out.
Yay! Thanks for being here!!
One of my new year resolutions is to save more.Thank you.This vid came in handy
Having a realistic budget, Tracking my expenses, setting a strict spending ceiling monthly. But this works for me because I already have a short term emergency fund and a long term (ie 6 months of expense) emergency fund. This are key principles I believe in sharing at Good Eve Financial Literacy. I am just starting out, and hope my videos can look as beautiful as Bola's one day soon!
I love this! Thanks so much for tuning in - will check out your channel!
Great channel! Not sure how I found myself here but well presented! Downloading the other videos and will share with my nieces and nephews who just started working!
Awesome! Thank you!
Just found your channel and love what I’ve heard here. Will be binge watching the rest.
Thanks for tuning in! Appreciate you!!
I've been binge watching too🤗 I found this channel a few days ago. Awesome tips
Grocery shopping on line helps me to stay within the the budget because I can see what I am spending as I go along. Also I can stall and compare prices on items. Delivery offers help as midweek is cheaper and as stores are several miles away it is cost effective for me.
I buy clothes off season and save that way too. After the winter holiday is a good time for this.
Wow I really need this just renovated my house and I've used up most of my savings 😞
These are absolutely amazing tips. Thank you so much.
Thanks for tuning in!!
Autopay my utilities whenever I can. For the rest, I use a monthly calendar with due dates. On the calendar, I put down pay dates before due dates.
Thanks so much for these info.
i save money by bringing snacks with me when i leave my house
I love it! Thanks for tuning in!!
Yes I do the same. Dollar tree snacks before road trips 👍🏽
So true!
My friend always brings her own snacks to the movie theatre.
Great Tips Bola! Thanks...cancelling yeye online subscriptions as you speak...
do it!!
Contents are well organized and straight to the point, keep this up!
We also revamp our vacation options regularly.
Last year we decided that instead of mad rushing trying to do a major end of year vacay back home to NY/Niagra Falls (it's mid November in the south.but blizzard temps there) and dealing w definite possibility of cancelled flights (if there was even a reasonably priced one 🙄), car rental, hotel rental, meal places, & getting stuck that we would take a nice day trip to Ruby Falls 1.5 hour drive from home (& can do less than a tank of gas 👊🏾), caught a bite and do a little picture taking up on Lookout Mtn, then we came back that evening of December 30th.
Then we got up early New Year's Eve & headed to Savannah next morning. Got down there mid afternoon, checked into a wonderful classic hotel/bead & breakfast to enjoy the ambiance, took a trolley tour, strolled the shops and historic landmarks, found a nice little restaurant & grabbed a bite & relaxed before heading to set up our chairs & fuzzy blankets on the waterfront. We watched the fireworks and welcomed in the new year.
Both trips came to less than half (including aggravation tax of the Niagra trip)😂.
We were less than a day either way from home, didn''t have to deal w TSA, ice on the wings, possibly getting stranded on runways, possibly no snacks, cranky everybody, etc and STILL came wayyyy within our "getaway" budget.😊
We're also big on brown bagging our lunch (& breakfast for me) but I don't prefer nuking my food so I invested in something called a Hot logic. I saw some vids by flight attendants who don't like nuking their food when they get to their hotels. It looks like a small lunch box, folds flat, & has a heating element inside (about the size of a tablet). But it's not quite a hot plate. It can fit a micro/frozen meal, but I use the little mini loaf pans that come 3 in a pack from the dollar store. In one, I heat up my waffles & sausage, in another, I heat up my lunch (usually a potato wedge and chicken or cut up pork chop or spaghetti, & in another I might have a piece of banana bread or not. Sometimes I mix my oatmeal w fruit & milk & put the little 4oz ceramic bowl in it for my breakfast. Hubs makes great seafood soups and I LOVE taking lobster and shrimp bisque during these chilly days😊.
It zips shut, doesn't burn, and once my food is heated, it maintains the temp until I'm ready for it. Best $20 I've spent. My coworkers are absolutely jealous because my little office smells better than the nuked whatever they've just rubberized😂.
~Great ideas, Bola!! Keep it up!
Such a well made video! Wonderful content! Very well presented. Thank you.
New subscriber and all do most of these but the soda one has been a struggle 😫 Keep the great content coming 😊
I just found this chanell on my feed looking for ways to save more money. This video was great for this. Keep up the great work!
New subscriber. Great tips! Hope you have a video on saving money as a mother of teens too as well as one we can share with them!
just what l needed l thank you Dear. what an informative video..
Thanks for the handy tips CGF 😊 Love it from Malaysia💞💞
Your content and delivery was so simple and straightforward. New Subbie here all the way from Trinidad and Tobago!
Me too.
Same
Great tips especially not buying so much in bulk of perishable items.
Thanks for tuning in!!
Great advice!
Wow! Great lessons. I've been doing most of these things all my life...now i have the tips to save more...grateful for this presentation.
Thank you!
great info. thanks.
New subscriber and happy to be in.
Very good big thanks 😊
I am a couponer. About two years ago I was I started trying to figure out how to cut cost on my husbands glucerna (he is a diabetic) and these nutritional supplements can be a quite costly. I discovered that Publix supermarkets was practically giving these nutritional items away if you used a Publix coupon plus a manufacturer coupon. I was sold since then there are certain things that I don’t pay full price for if I pay anything besides tax. I don’t pay for shampoo, toothpaste, toothbrushes, brand name laundry items and the list goes on. In fact, many of my gifts (birthday, baby showers etc) come from my stockpile. I can truly go the next 9 months or more without having to buy paper Towels, bath tissue, tissue, cold medicine etc.
Our nearby Civic center takes Senior insurance for use of their facilities. Otherwise it’s not terribly expensive- depending on what you do
Thanks for these great tips 👍
Don't worry about what others are doing.
They are responsible for their life and choices and you're responsible for your life and choices.
Be a thrifty trend setter.
Totally agree, I’m amazed how many people buy expensive cars they can’t afford to keep up with the Joneses.
Great money saving video here, thank you! But I will prefer paying through credit card to paying in cash!
I am already doing most of these.
I just can't get with 2nd hand clothes or things you eat with...unless it's from immediate family. Furniture is alright though.
I just wish I could figure out the couponing app!
You are doing great! And its all about doing what works for you!
Second hand clothes carry the previous wearer energy
.it's best to purchase new clothes that's markdown.
Brilliant ideas
Your blouse is so pretty! Where did you get it?
In addition to the tips ....I 💛 your mug
Really great tips ! Love idea of using cash 💥💞
I intend to start using cash more 😊
Do it!!
New subscriber and in love with channel
I just said...I need to start back making a list to go to the store!
Do it!!!
Many thanks for writing these points your a pro😂
When I get a raise make sure to get it into savings. So I don't have payroll creap.
Love ur tips.
I already do some but u have put the ideas v well.Thanks🌹
Great tips, thank you!
Thanks for tuning in!
Very profound
Ha! "Proud owner of isle 16." A little too relatable. Thanks for another motivating, valuable video.
😂😂😭😭 thanks for tuning in!!
That is very helpful tips , keep it up good work sis.
In my area are some acticities for free e.g. classical Orgel conserts, City walks about different topics or free museums tours. They are all so interesting and I needn't to spend my Money🤑. Also, I don't just sit in my Appartement to watch Netflix 😚.
Just wanted to say thank you for the great content
Small info: If one uses earphones, the sound is just on the left side.
PS: If you hate meal planning your whole week, try 2 or 3 days at a time.
Thank you so much this is gonna help me alot into start saving alot I really appreciate this im gonna start now and see the results 😘
I save a lot by looking for good second hand product and cut down on buying unnecessary stuffs
Great 👍
Thanks!
How do I get a soft copy of your book side hustle .Am in Cameroon
Good tips. Msg from India
I really needed this video.. The rent thing has worked for us. My goal is to get better at saving. ❤️🇿🇲
Great tips
Some water cost more than soda😬 yes working out at home is a money saver if your motivated have equipment and space.
It doesn't need alot of space. You tube has tons of exercise
Need ko talaga to para matauhan kasi puro unboxing vid pinapanood ko 😭
Thank you so imformative
Thank you so much for this.i just subscribe
Excellent content!
I do weekly payments on my car loans. This way I pay them off easily.
I thought I was the only person who did that. Lol. Yes that's the best way. I usually take the 5 year loans because the payments are smaller but I pay it weekly and finish it in 2 to 3 years. The smaller payments give me a sense of security incase my hours are reduced. It's easier to find $200 than $ 500 incase my hours tried up.
Thanks.
For travel, if I don't have cash to pay for my package I don't go. And when travelling, I look for sales and read reviews on TripAdvisor to make sure I am going to a decent place and also for tour advice. I always get good deals for 4 star resorts. I buy my groceries when they are on sale. Buy your milk in the 3 bags package and freeze. Use one at a time. I also shop in stores when things are on sale. For seniors shop on seniors discount day. I shop for some things at large discount stores. They have high quality things for the kitchen for half the price. You can also get good quality clothes if you have time to search through the racks. Call your utility providers to get them to lower your monthly rates. They do this on a yearly basis. Check out places that sell goods from bankrupt stores. I got my last wide screen new TV for $120 Can. We all know that large families should buy at the big box stores to buy in bulk. I hope this helped.
All of thesr tips are usefull.
I need to explore these coupon sites!
skip buying soda - for me that is skipping buying juice
great idea
Thanks for tuning in!
Great tips 🌟
Thank you I enjoy the video
I would love to be able to be on your show
Great video. Just subscribed
Me like the shirt!
Thank you!
I love you dear, you made real sense
I like the idea of paying more than minimum loan instalment
So I just came across your channel!!! I am looking forward to watching and learning because I am 51 and I have nothing to show for. Very disappointing and ashamed of myself at this point of my life.
PLEAAAASE do not feel like that, you are doing your best and are willing to improve.
No, you have kept yourself fed and have a roof over your head. Now that you want more you can do it. You have brought yourself through 50 years. That alone is no small feat.
Start from here.
It’s never too late my dear sis. It’s what you do from now that matters. Ensuring you are equipped with necessary info and you will be amazed at what you can achieve from now onwards. Don’t despise days of small beginnings
Championing for you. Today forward is a new way of thinking and behaving. We do what we know until we know better. We all can relate to that in some aspect of our lives.
It's not too late for anything. Now that you are aware make the changes. Open a retirement account if you don't have one. Look if you job has 401 K and you can also open a Roth ira. You have 15 more years to work.
How can I hire you?? 😭💕
Hello iam new here and I have already gotten some tips
You have good ideas