ESCAPE PLAN: How to Break The Paycheck To Paycheck Cycle
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- เผยแพร่เมื่อ 24 ก.ค. 2024
- Order our Sunday Times Bestselling book 📕, Financial Joy: geni.us/financialjoy . Today, I'm sharing 8 steps to help you manage your money when things are tight or if you're living paycheck to paycheck.
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KEN:
I'm married to Mary (the other half of The Humble Penny) and I'm a proud dad.
Former CFO by day with over 12 years of experience in the investment business. I'm a Chartered Accountant and hold an MBA from Cambridge University.
To explore my creativity, I'm a blogger, TH-camr, speaker, etc. I create from my experiences as a family man and First Generation Immigrant.
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TIME STAMPS:
0:00 - Intro
3:07 - Step 1: Start with gratitude
5:22 - Step 2: Pray and commit things to God
6:36 - Step 3: Track income, expenses, assets and liabilities
9:17 - Step 4: Communicate well and often
10:28 - Step 5: Question your lifestyle and make small changes
12:28 - Step 6: Use cash as much as possible
13:55 - Step 7: Create a cashflow plan
19:01 - Step 8: Create a plan to make more money
22:30 - Bonus point
23:33 - Understand Faith Walks
Best, Ken and Mary
#paychecktopaycheck #financialfreedom #financialjoy
★★ WHAT THIS VIDEO IS ABOUT★★
ESCAPE PLAN: How to Break The Paycheck To Paycheck Cycle - แนวปฏิบัติและการใช้ชีวิต
Hope you enjoyed watching this video. Drop a comment or question if you have any :)
Great that you mentioned your faith and gratitude for what we have as well as practical tips. 🙏🏾 Perspective can make a difference.
Absolutely!!
Ken, these are absolutely fantastic and partical tips. God will bless you to your fourth generation IJMN.... Amen. Thanks for sharing your powerful faith..
@joeoluwa6532 Amen! And blessings to you, too 🙏🏾
For me I needed to get another job that paid more. I was a nurse in the NHS. This automatically meant 2 things.
1) Destined to a life of poverty (1800 per calendar month)
2) Retire at 67.
Fortunately I landed a job in finance and work my way up the corporate ladder.
Salary 2.3k per month after total deductions
Retirement 55. (Well 57)
Thank you for sharing. Shame really that nurses remain poorly paid in the NHS.
@@TheHumblePenny
Cheers. Absolutely love your content. Unfortunately the NHS is not a cash or income generating organisation like financial companies are so they can’t afford to pay their staff. For good or for bad that’s the reality.
Same situation, got out of there too as well as most colleagues 👍
How did you get into finance,do you have a degree in it.I am studying to be a nurse associate so life of poverty is a definite.However I am encouraged that I don't pay for the course.
Weren't there any opportunities to climb the nursing career ladder and earn more? 1800 is a 1st year newly qualified nurses salary in the NHS.
Grateful for the butter in the fridge & having a loaf of bread it’s the v sml things they don’t have to be big…I’ve no idea how I’m gonna manage. My job is gone as of today & no income now. It’s day by day now. No point on worry that’s a wasted energy. Thx for your video.
Love this.
Now you have the opportunity to change and start your new life... keep motivated and never give up..
I love you and your wife so much! Even with the success and fame God is giving you both, you haven’t moved away from your first love, God! Keep praying you for you both.
Glory to God always 🙏🏾
This video has really shifted my mindset for the coming week. Thank you Ken, God bless you continually 🙏🏾
God bless you too! Keep going 💪🏾. Please share this video with others
Thank you for being authentic. I'm so grateful for this channel. The pray and commit things to God point hit me. Thank you for your obedience.
We appreciate you 🫶🏾
Anticipation that's the key. I have been implementing it since I was in one of your online workshops. I do exactly what you showed (18:00). My wife was hesitant when I suggested, (I took on board and spread around the house so she could see what I was working on)now she does for me and managed to reduce the expenses even more. You guys are doing absolutely great to many people. Thank Ken& Mary
This is so good to hear 👏🏾
So good! I need a financial spring clean
Thank you 😊. Please share with others
Your advice is so helpful. I am so looking forward to purchasing your book in a couple of weeks when paid.
The faith element is super key!
💯. I'm talking more about it because I think it will encourage more people.
And I have really been encouraged by it. Keep up the good work💪
@@onyiikelly8412 🙏🏾
Thank you so much for today's video, it was really meant for me. Because, I am planning to buy my first property, will be going for second view tomorrow, have gotten solicitor in place, deposit ready, AIP also in place. I am contractor working via an umbrella company. But I just receive a call yesterday that my contract that will not be extending at the end of June. I have been worry over it since last night. But after listening to you, I now have peace, I am grateful for everything. Thank you so much.
Really pleased to read this 😊. All the best with the house purchase too.
Love your authenticity, Ken.❤ I will be purchasing several copies of your book as Christmas presents for relatives along with a nice bookmark and food vouchers. Keeping it simple and useful 😊
Please do! Awesome 😊
Thanks for sharing
You're welcome 😊
Thank you very much for your practicality and mindful videos It definitely helps me be more proactive in addressing my finances and slowly building towards freedom and stability. I appreciate you and your wife for your help and knowledge.
You're very welcome!
It was a very good practical video.I love that God is in it too.I like the cashplan ,I will do it .I have ordered the book from amazon and waiting for its delivery.I wrote down what I am grateful ,going to put it on my fridge.I always eat and I will be able to remind myself too.I shared the video with my work colleague too.Love it😊
❤️❤️
An amazing video. Listened whilst on a 30 min drive to one of my business venues. I actually parked up to list my "gratitude items". This is so simple and practical! Many of mentees will receive a copy...I shall tell them..STRAIGHT FROM King Ken & Queen Mary🎉🎉😂😂
😊🙏🏾🙏🏾
Cheers, Ken, great advice video.. loved the book .. bought it on Amazon...keeping me challenged & motivated..putting my financial plans in place
John, that's awesome! Could you please write us a review on Amazon? Kindly tell people what you loved and pls add a photo of the book. Much appreciated
Thank you for talking about your Faith!🙏🏾
🙏🏾
Great!!!
Thank you 😊. Do share with others.
Great video (as always) Ken 👍
Even with decent paying jobs, my wife and I have to manage our finances meticulously - to combat the effects of external factors like high interest rates, cost of living crisis etc.
Sometimes it feels like we are stuck in this situation. No doubt, as you said this is temporary and there is light at the end of the tunnel.
God bless 🙏
Keep going. Thanks for sharing.
U expected cabins fr9m £420. Per year to now £1294. PA , Of course I’m changing but the cheek of these companies, Don’t Be Loyal !
Using cash is good but I use a current account with no overdraft facility and I get 1% Cashback on everything I buy. It soon tots up. The round ups automatically transfer into the 5.1% savings account. The thing with physical cash is if you are mugged or drop your purse, the money is simply gone. I love your videos keep it up!
Good point. Thanks for sharing
Sounds like the Chase Account. 😊
/ yes that’s the one! It soon tots up
Contentment is key, and contentment breeds more contentment. Thank you Jesus ❤.
You have to get gazelle intense, you can wander into debt but you have to be intentional to get out of it. My budget is easier now but only because I challenged myself to play the game of use it up, wear it out, make it stretch or do without. I will add that when you do without with gratitude God's blessings show up!
If you're going to pray don't worry, if you're going to worry don't pray
Are you the elevenlab's voice guy??????????????????????????
No.
can you please use a mike. it would be nicer to hear.
I am using a mic.