The thing I love about this channel unlike some other channels who teach about money is the realness of it. It's not fake and all relatable which is why for me personally I keep coming back 😊
My best money strategy in younger years as a single mom. I lived super frugal so that I could get a year ahead. From that point on, I always had all the years bills including household and grocery money a year ahead. Relieved so much pressure and stress!!!
I do this with electricity, phone/internet, water garbage, insurance ~ you are right, so much less pressure, stress, and fear. It was worth the sacrifice. I recommend trying it.
i lived super frugal as a single mom so that i could FEED and clothe my kids and keep a roof over their heads. There was NEVER enough to save to get ahead!!! Now that my kids are gone, i thought i could finally get ahead…but now prices of everything are astronomical!!! But i have been able to save enough to pay my property taxes right when they come due, at least, rather than having to pay the interest in them. So some improvement.
I find when I am organized I spend less money. On the other hand, when chaos hits, I blow the budget. So, my number one trick is to stay the course and be organized with money, budget, spending, and saving. That's it in a nutshell for Annie.
Well this video came on the perfect day!! I definitely am a budget geek- at 74!! This morning I got out my graph paper and pencil and wrote out my April budget! It’s a monthly ritual. Now I’ll enter every expense under the proper category at the end of every day and at the end of April - Bingo! Success! Such a satisfying feeling!
Absolutely, say what you want! DAVE'S baby steps got us completely DEBT FREE May of 2020. We have no house note, no car note, or Credit Card Note! Now, if we need a new lawn mower. We can pay cash. Now, we have been putting extra money in our account monthy. That money we are saving in INTEREST is massive! If we can do it! You can do it! Baby Steps y'all! 💚👩🌾💚
@@StephanieJoRountree Depending upon the GOP proposal, the list of "irreverent offices" is pretty extensive; and does take us back to more of a 1776 scope of Federal government. Which Federal offices, goods, and services would you consider irreverent?
@@StephanieJoRountree I meant irrelevant.....and I'm not going to open the "irreverent" can of worms. Non-military Federal employees aren't as free as civilian employees on many, many things but I do want to keep my illusion that they are offered at least some graces in the irreverent category.
Hi Kate, I am writing from the Netherlands, I am watching most of your videos for long time, it's time to share with you, I've learned many tricks from you, and integrate my life in here, and hopefully in a year i will finish saving my 6 months emergency fund, Thanks for your sparkling energy to help us to geek out! 🎊
I'm definitely becoming a geek about money, and it's making me happier, too. This thing about asking yourself "*HOW* can I have this?" is astonishingly powerful. I am planning to do something this year that I thought was outside my financial possibilities while my situation remains like it does now - but it now seems that I just wasn't thinking as flexibly as I could. I don't want to say what it is until I am sure I can do it, though. I'm investigating! (See what a money geek I have become?) I would never have done this in the past and this channel has been a large part of teaching me that I don't have to think inside the box ALL of the time when it comes to money. And it *ALL* comes down to budgeting. Best lesson of my life, I think, learning how to budget - because once you budget money you realise you can use that to start to budget your time - and I suppose at ninja level, maybe you can also learn to budget your attention! Have a wonderful weekend, Kate - and Kaden, Mr H and the girls! xx
Dear Kate, I cannot tell you how much you have helped me! I fully funded my emergency fund this week and booked a holiday IN CASH and to celebrate, I want to show you my thanks! So grateful to you and your wonderful channel xxx
CONGRATULATIONS!!!! I am so so proud of you! Fully funded emergency fund AND booked a holiday in CASH! THIS IS IS AMAZING! Thank you so much for this sweet thank you and please know I could not be happier for you!!!!!!! SO HAPPY FOR ALL YOUR HARD WORK and accomplishments!!!!
Not a fan of Dave Ramsey but I think anything ppl can do to pay off their debt is good. I think you really need to invest a lot more than 15% to retire with decent amt of money. Because I have to catch up with retirement it’s more like 30% or higher. But everyone has different path to wealth-just make sure if works for you.
Enjoy your channel so much. Also enjoy-under the median and frugal money saver. I have become a money geek but am glad I have. I have even started budgeting weekly. LOL. Paid off my second credit card today. should be debt free by November(except for my mortgage). Thank you Kate💌
The sneakers example was me yesterday, needed to buy sneakers as I took out the last pair from the cupboard, I usually by 3-4 pairs at a time but the budget category allowed for 1 pair this time. Adjusting the budget for some swaps and planing for getting the next 2-4 pairs to stay out off the credit cards .
My working budget is done until the end of the year. This helps me keep on budget which causes me to behave myself better and spend less money !! Intentionality ;-)
First of all, your love for Friends is only matched by us. 😂. I told Joel a couple of days ago, that I’ve never wanted a loungefly bag until recently when I saw a Friends bag. 🤣. I didn’t buy it. I just looked 😂 Second, I appreciate that you still speak kindly of Dave Ramsey. I don’t think that we have to 💯 agree with any financial guru to still respect them for what they’ve accomplished. And he’s helped a lot of people. 👍
Throughout the decades we have often had tools, things, and toys that others have marveled at. Staying out of debt, a number of general frugal living activities, and having cash to spend when a deal popped up or after saving a bit is why we were able to buy useful extras and extras in general. One rule we tried to live by was to keep living on what would be our regular income during times of overtime. On and off overtime was spent on extra mortgage payments, toys and wants with the realization that anything we bought had to be maintained and operated on non-over time income, and experiences. Even so, when there were things we wanted we often counted what we were willing to cut back on, not buy elsewise, and set aside.
I geek out whenever I see your videos 🙂 I have really gotten into making lists - either on paper or on our grocery store apps. This really helps me stay on track when I am going to pick up pet food or when I have Chris get groceries on his way home. I also try to put the dollar amount next to the item, so I have an idea of what I will be spending or if I don't find an item cheaper than the amount listed, I know I have another option.
A very uplifting video. You are always so positive and make the "journey" seem worthy of my time and energy. Love your song at the end. Love you girl! ❤
Hi Kate! Long time viewer, but never commented before. here I go :) I love your videos! I am a newly single mom of a teenage son who lives full time with me (Yey!). I cut all spending to minimum, and budgeting for sure. I did follow Dave Ramsey, and am debt free. But now I am renting a tiny apartment with high rent (keeping my son in the same school district). I really want to own a home, but living in NJ, the market is CRAZY. If you can, can you comment on how to learn patience, as that is something I am truly struggling with.
Alina! YOUR FIRST COMMENT! THIS JUST MADE MY ENTIRE WEEK! Thank you so so much!!!!!! PATIENCE: Okay, so this is TOUGH, but it CAN BE DONE! (I feel like I need to do an entire video on this, but in the meantime..) Remember what you WANT THE MOST. Keep your EYES ON THE PRIZE, but still find ways to enjoy each day as they come. REMEMBER when it gets tough, that each little decision you make (being smart about money) get you CLOSER AND CLOSER to the goal post of owning your own home and LOVING your NEW SPACE! Buying this house took me what felt like FOREVER, but when I made it I STILL am grateful EVERY SINGLE DAY I am in this space. PLEASE go to my playlists and click on the one that says Buying Your First Home for TONS OF inspiration since I just went through all this for the last decade or so:) :) And PRACTICE the FAUX budget that I talk about in THIS video: th-cam.com/video/ULaSQjAmjWY/w-d-xo.html I'm CHEERING FOR YOU LOUD AND EXCITEDLY!!!!! Love, Kate
I got what i wanted for a cheap price and got higher quality because I waited and found them on Marketplace. So I stayed within my budget and treated myself. Both things cost me about 4 hours of work, definitely worth it!!!
I don't remember exactly when I started watching your videos but from the onset I thought, wow, this woman has her mojo working and I was hooked. Such energy and positive attitude, it's all very contagious, you know. The thing is for me, I feel connected and that's a good thing😊
Yes! I do need some hours of paid work. Retired but limited income and bored all winter long. 😢. A 30-32 hr a week job would really help keep me busy and help my savings grow! 😊😊😊
You mentioned in one of your older videos about some books you got at the library for budgeting.....I was wondering what you had used, so I'm glad that you mentioned a book in specific! Any other ones?
Hi Jessica! The Total Money Makeover by Dave really inspired the way I budget along with the teachings of Jordan Page from funcheaporfree over time:) Then I created my own way through what I was learning that worked best for me. Some books I DEFINITELY recommend reading that helped me live a better life are: Atomic Habits, Essentialism, and the Slight Edge:) AND right now I'm listening to an audiobook of Die with Zero: Getting All You Can from Your Money and Your Life based on a recommendation from a KSQUAD member...so far so good! Hope these are helpful!
I love your channel Kate! Your enthusiasm and personality gets me excited about getting my budget and finances on track. Listening to you is like listening to my best friend.
This year I’m saving to take my family to Disney so I just save all I can by having that goal in mind, because I rather enjoy that the mindless spend on junk now. Thanks to Kate I have made excellent progress and am excited about what I’m able to accomplish.
Good Morning Kate! At some point will you please make a video about the pros and cons of opening up Certificate of Deposit accounts and Money Market accounts? Apparently, these accounts earn money for us while we eat, sleep, watch TV, or even go for a relaxing walk.🚶🏾♂️
I heard a different take on credit cards that make me look at them differently. THE POINTS EARNED BY SOMEONE ELSE IS PAID BY THE PEOPLE THAT GET INTEREST CHARGES. THE CREDIT CARD COMPANY IS NOT GIVING IT TO YOU. POOR PEOPLE THAT CAN’T PAY IN FULL DO. 😢
Ramsey has many good ideas in the baby steps. But I don’t like him telling people not to have credit cards and your FICO score doesn’t mean anything. You and soooo many other people disagree with him.
Great video as always! I have thought many times - how many hours do I need to work to pay for this item? If it is an impulse buy - it usually stays at store :-).
A frugal way i use to use was when i saved my money was i would tell me: That this doesnt exist...and by doing that i saved one time over $100.00 dollars....and saving for me back then was difficult for me...But ive tried to save from then n im on a 5 year plan to save for an all CASH payment on buying my next car for all CASH...
So, tagging on to your idea of “how many hours of my life do I lose working to get this item/experience” are the following: the cost per use. So 200 Euro K2 skates are “inexpensive.” I use them a lot, I use them for years. Compared to a 50 Euro gym membership, that I may use maybe once a week… those 200 will be gone in 4 months, and I only worked out 16 times if that. So the skates (bike, hiking shoes, etc) are always worth it. Another thing I sometimes do, and this is not at all an honest way to do math, is to think about adding my two kids into the equation. A 10 euro thing is actually 30 euro’s. As every Euro I earn is for me AND the kids. So from every Euro I actually only own only 33 cents. If I buy something silly for me, I take away money from the kids. The math, like I said, is definitely wrong but it helps putting things into perspective. Spending money on something I don’t need is taking away that money from the kids/my future self.
Hi Kate, Thank you so much for these amazing video! Totally debt free here except our house , but we almost have that done too. Your videos help us keep our eye on the prize. One question I have , you have mentioned your budget buffer in your checking account, do these funds serve as just your checking account cushion or if you needed it, would these funds also be part of your emergency fund? Meaning when you calculate your emergency fund is this extra cushion included in your total?
GREAT QUESTION! Okay so how I do it, is the buffer is on TOP of the emergency fund meaning the buffer is always around that one month amount, PLUS the 3-6 month emergency fund. I use my budget buffer as a catch all so there's always something available if something unexpected comes up, that is not true emergency. I try not to touch that emergency fund AT ALL, but the buffer is used and replenished:) I hope this helps!
My 26 year old daughter will be getting married 15 may 2023 she spent $70 to have her nails done just for fun bought $200 worth new clothes just for fun I said wtf are you doing your on a pension your getting married next month planning to move out of home your both will be on a partnered pension what's going on here?
Hi Steph! If you ever don’t see a video (which literally this is the first time in 4 years🤪) please always check my community tab for updates:) I’m on vacation with my son:) Miss you guys already! Check out my last two posts with my update:) Thank for stopping in! I’ll be seeing you again soon!
The thing I love about this channel unlike some other channels who teach about money is the realness of it. It's not fake and all relatable which is why for me personally I keep coming back 😊
That means so much to me. THANK YOU for your very kind words!!!! Appreciate you!
Me too!!
My best money strategy in younger years as a single mom. I lived super frugal so that I could get a year ahead. From that point on, I always had all the years bills including household and grocery money a year ahead. Relieved so much pressure and stress!!!
WOW!! You rock!
Wow!! Good job😊
Amazing!
I do this with electricity, phone/internet, water garbage, insurance ~ you are right, so much less pressure, stress, and fear. It was worth the sacrifice. I recommend trying it.
i lived super frugal as a single mom so that i could FEED and clothe my kids and keep a roof over their heads. There was NEVER enough to save to get ahead!!! Now that my kids are gone, i thought i could finally get ahead…but now prices of everything are astronomical!!! But i have been able to save enough to pay my property taxes right when they come due, at least, rather than having to pay the interest in them. So some improvement.
I find when I am organized I spend less money. On the other hand, when chaos hits, I blow the budget. So, my number one trick is to stay the course and be organized with money, budget, spending, and saving. That's it in a nutshell for Annie.
Well this video came on the perfect day!! I definitely am a budget geek- at 74!! This morning I got out my graph paper and pencil and wrote out my April budget! It’s a monthly ritual. Now I’ll enter every expense under the proper category at the end of every day and at the end of April - Bingo! Success! Such a satisfying feeling!
LOVE THIS CHERYL! So glad you're here!
Absolutely, say what you want!
DAVE'S baby steps got us completely DEBT FREE May of 2020. We have no house note, no car note, or Credit Card Note!
Now, if we need a new lawn mower. We can pay cash.
Now, we have been putting extra money in our account monthy.
That money we are saving in INTEREST is massive!
If we can do it! You can do it! Baby Steps y'all!
💚👩🌾💚
Oh and channels such as Kate's are essential.
💚👩🌾💚
Thank you SO MUCH!
Budgeting and Saving Money 💰, Frugal is the New Luxury
Dave Ramsey needs to go to Washington DC and make ALL the legislators stay in session until they balance the budget. Wouldn't that be cool??!!
Do remember that Ramsey is big on adding income when there isn't enough to go around.
@@terryhenderson424 I get that! By reducing all the irrelevent offices, you have more money - that we don't have. It's all a circus.
@@StephanieJoRountree Depending upon the GOP proposal, the list of "irreverent offices" is pretty extensive; and does take us back to more of a 1776 scope of Federal government. Which Federal offices, goods, and services would you consider irreverent?
@@terryhenderson424 Irreverent? Or do you mean irrelevant?
@@StephanieJoRountree I meant irrelevant.....and I'm not going to open the "irreverent" can of worms. Non-military Federal employees aren't as free as civilian employees on many, many things but I do want to keep my illusion that they are offered at least some graces in the irreverent category.
Hi Kate,
I am writing from the Netherlands,
I am watching most of your videos for long time, it's time to share with you,
I've learned many tricks from you, and integrate my life in here, and hopefully in a year i will finish saving my 6 months emergency fund,
Thanks for your sparkling energy to help us to geek out! 🎊
I'm so glad you are here! Let's GEEK OUT! :)
It's incredible how fast you reconsider your purchase when you apply the concept of how long you have to work to buy that item.
TOTALLY! :):)
I'm definitely becoming a geek about money, and it's making me happier, too. This thing about asking yourself "*HOW* can I have this?" is astonishingly powerful. I am planning to do something this year that I thought was outside my financial possibilities while my situation remains like it does now - but it now seems that I just wasn't thinking as flexibly as I could. I don't want to say what it is until I am sure I can do it, though. I'm investigating! (See what a money geek I have become?) I would never have done this in the past and this channel has been a large part of teaching me that I don't have to think inside the box ALL of the time when it comes to money. And it *ALL* comes down to budgeting. Best lesson of my life, I think, learning how to budget - because once you budget money you realise you can use that to start to budget your time - and I suppose at ninja level, maybe you can also learn to budget your attention! Have a wonderful weekend, Kate - and Kaden, Mr H and the girls! xx
Dear Kate, I cannot tell you how much you have helped me! I fully funded my emergency fund this week and booked a holiday IN CASH and to celebrate, I want to show you my thanks! So grateful to you and your wonderful channel xxx
CONGRATULATIONS!!!! I am so so proud of you! Fully funded emergency fund AND booked a holiday in CASH! THIS IS IS AMAZING! Thank you so much for this sweet thank you and please know I could not be happier for you!!!!!!! SO HAPPY FOR ALL YOUR HARD WORK and accomplishments!!!!
You should write a book. Seriously.
Thank you 🙏❤️ 🙏❤️
I fully agree that Dave's Total Money Makeover changed my financial life! I am now a spreadsheet money geek!🤓
YASSSS Stephanie!
I live frugal anywhere I can so I can pay cash in full for everything I need and want. Zero debt always!
Cash is the best! And having no debt 🎉
Hi Kate. I cook at home every single day...i don't go out to eat! And a save so much Money for the things i really love❤
Love this Nikita!!!
You're too funny. The last few seconds of the video had me, smiling from ear to ear. Honestly, I think you have a good singing voice. Geek on K squad.
GEEK ON KSQUAD! I LOVE IT!
Not a fan of Dave Ramsey but I think anything ppl can do to pay off their debt is good. I think you really need to invest a lot more than 15% to retire with decent amt of money. Because I have to catch up with retirement it’s more like 30% or higher. But everyone has different path to wealth-just make sure if works for you.
Enjoy your channel so much. Also enjoy-under the median and frugal money saver. I have become a money geek but am glad I have. I have even started budgeting weekly. LOL. Paid off my second credit card today. should be debt free by November(except for my mortgage). Thank you Kate💌
RUTHANN!!! WAY TO GO!!! I'm SO SO proud of you!!!!!!!
Hahaha I'm now a money geek thanks to you Kate! No longer scared to look at my balance! I have a very pretty budget book😂
LOVE THIS!!! Just two Geeks chatting together in the comments:)
Sinking funds envelope for saving for what you really want ❤
I love your videos and the energy you put into them. My husband and I have decided to do another "No Spend" month in May. 😊
Thank you so much!!!! OH AWESOME! NO SPEND MAY! I know you will rock it!
The last week of each month I spend money only on groceries and the canteen. Good to do so, when the money getd tight at the end of the month.
Love it! Hi Kerstin!
The sneakers example was me yesterday, needed to buy sneakers as I took out the last pair from the cupboard, I usually by 3-4 pairs at a time but the budget category allowed for 1 pair this time. Adjusting the budget for some swaps and planing for getting the next 2-4 pairs to stay out off the credit cards .
YASSSSS JANICE!
The end cracked me up! Thanks for the chuckle this morning.
You are SO WELCOME!!! :):)
My working budget is done until the end of the year. This helps me keep on budget which causes me to behave myself better and spend less money !! Intentionality ;-)
Frugality=Abundance
Yes I love to geek out now when it comes to finances. I love talking about money! I love your channel Kate! ❤❤
Love Geeking out with you!
Dave Ramsey has inspired so many to get on a positive financial journey.
Absolutely we are Geeks on our Retirement Ranch ❤
I always like to hear your advice. It motivates me eveey week! thank u Kate
I have learned the value of doing no-spend months. I try to do at least 2 a year.
I love that you’re wearing a blazer over a friends t-shirt 😁 a little business mixed with fun 🎉🥳
Thank you so much😂❤️
You are so inspiring! I love to budget too and enjoy all of your practical ideas. Thank you again :-)
I am geeking out about getting my mortgage paid in the next year! PTM!
I refuse to pay someone to do something I can do for myself.
So very true! ❤️❤️ I’m always in head deciding if something is a want or a need. Not every “want” is a need, balancing that has helped me immensely.
Definitely! :)
First of all, your love for Friends is only matched by us. 😂. I told Joel a couple of days ago, that I’ve never wanted a loungefly bag until recently when I saw a Friends bag. 🤣. I didn’t buy it. I just looked 😂
Second, I appreciate that you still speak kindly of Dave Ramsey. I don’t think that we have to 💯 agree with any financial guru to still respect them for what they’ve accomplished. And he’s helped a lot of people. 👍
YASSSS and YASSSS!!!!!!!!! You two are the best!
Throughout the decades we have often had tools, things, and toys that others have marveled at. Staying out of debt, a number of general frugal living activities, and having cash to spend when a deal popped up or after saving a bit is why we were able to buy useful extras and extras in general. One rule we tried to live by was to keep living on what would be our regular income during times of overtime. On and off overtime was spent on extra mortgage payments, toys and wants with the realization that anything we bought had to be maintained and operated on non-over time income, and experiences. Even so, when there were things we wanted we often counted what we were willing to cut back on, not buy elsewise, and set aside.
I geek out whenever I see your videos 🙂 I have really gotten into making lists - either on paper or on our grocery store apps. This really helps me stay on track when I am going to pick up pet food or when I have Chris get groceries on his way home. I also try to put the dollar amount next to the item, so I have an idea of what I will be spending or if I don't find an item cheaper than the amount listed, I know I have another option.
This is so great that I’m watching it again! Thanks for all you do, Kate!
I have used the trick of thinking how long I would need to work to pay for something. Works (almost!) every time.
Love it Concetta!
A very uplifting video. You are always so positive and make the "journey" seem worthy of my time and energy. Love your song at the end. Love you girl! ❤
Thank you so much!!! Love you more!
I had lunch takeout yesterday haven't done that in months I received monthly interest so I enjoyed that with friends that's April one
Hi Kate! Long time viewer, but never commented before. here I go :) I love your videos! I am a newly single mom of a teenage son who lives full time with me (Yey!). I cut all spending to minimum, and budgeting for sure. I did follow Dave Ramsey, and am debt free. But now I am renting a tiny apartment with high rent (keeping my son in the same school district). I really want to own a home, but living in NJ, the market is CRAZY. If you can, can you comment on how to learn patience, as that is something I am truly struggling with.
Alina! YOUR FIRST COMMENT! THIS JUST MADE MY ENTIRE WEEK! Thank you so so much!!!!!!
PATIENCE: Okay, so this is TOUGH, but it CAN BE DONE! (I feel like I need to do an entire video on this, but in the meantime..)
Remember what you WANT THE MOST. Keep your EYES ON THE PRIZE, but still find ways to enjoy each day as they come.
REMEMBER when it gets tough, that each little decision you make (being smart about money) get you CLOSER AND CLOSER to the goal post of owning your own home and LOVING your NEW SPACE! Buying this house took me what felt like FOREVER, but when I made it I STILL am grateful EVERY SINGLE DAY I am in this space. PLEASE go to my playlists and click on the one that says Buying Your First Home for TONS OF inspiration since I just went through all this for the last decade or so:) :) And PRACTICE the FAUX budget that I talk about in THIS video: th-cam.com/video/ULaSQjAmjWY/w-d-xo.html
I'm CHEERING FOR YOU LOUD AND EXCITEDLY!!!!!
Love, Kate
@@KateKaden Thank you so much Kate for your kind words and encouragement! You are awesome and I really appreciate you! :)
I do low buy months and eliminate going out to eat. 🎼🎶🎵🎤🥰
Nice Gia! Thanks so much for watching and sharing with us!
I love Dave Ramsey! I’m back on baby step 2 but have a goal to finish it out in 2-3 months
Happy Friday! Love the Friends shirt with the jacket.
Thank you so much Mary!
I got what i wanted for a cheap price and got higher quality because I waited and found them on Marketplace. So I stayed within my budget and treated myself. Both things cost me about 4 hours of work, definitely worth it!!!
This is a great video!! very helpful and encouraging. Sher
Thank you so much Sher!
I've always geeked out about saving, frugality and budgeting but it's until this year that I'm taking myself serious and taking action
Way to go Danielle!!!
Inspirational video for anyone needing to get into a path to be financially freedom
Thank you! :)
Tapping into my inner geek! She's smiling.
YASSSSSS!!!!
I don't remember exactly when I started watching your videos but from the onset I thought, wow, this woman has her mojo working and I was hooked. Such energy and positive attitude, it's all very contagious, you know. The thing is for me, I feel connected and that's a good thing😊
Thank you tons Jeffrey! Appreciate you!!!
@@KateKaden and you're up early 😁
Yes! I do need some hours of paid work. Retired but limited income and bored all winter long. 😢. A 30-32 hr a week job would really help keep me busy and help my savings grow! 😊😊😊
YASS Judy!
Are you going to look for something, then?
Yes, actively looking and have a few leads. 👏👏👏😊
Great video Kate! And fun seeing your Friends t-shirt 😊
Thank you Susan!! 😊
You mentioned in one of your older videos about some books you got at the library for budgeting.....I was wondering what you had used, so I'm glad that you mentioned a book in specific! Any other ones?
Hi Jessica! The Total Money Makeover by Dave really inspired the way I budget along with the teachings of Jordan Page from funcheaporfree over time:) Then I created my own way through what I was learning that worked best for me. Some books I DEFINITELY recommend reading that helped me live a better life are: Atomic Habits, Essentialism, and the Slight Edge:) AND right now I'm listening to an audiobook of Die with Zero: Getting All You Can from Your Money and Your Life based on a recommendation from a KSQUAD member...so far so good! Hope these are helpful!
Your Money or Your Life is such a fantastic book! Thanks for highlighting it.
Budgeting is mine number one right now.
FRUGAL FRIDAY!!! WOOHOO!
YASSSS!!!!!
I love getting my bills now, organizing them, check my bank acct daily and CCards as well.❤❤❤
I call it "playing with my money". Progress is so cool 😊
Take what you want and leave the rest..... how I feel about any advice
Thank you please keep helping. Good talk lady. Bless you
Thank you so much! I will:) Appreciate you:)
❤Amen Dave Ramsey steps yes 😅
Great video. I sell on FB market to buy something I want. 😊❤
How did you know I needed new sneakers? LOL- looking for my swaps. Take care and have a good weekend!
LOL!!!!!!!! I'm some kind of mind reader from afar! LOL! Thanks so much for watching and have an amazing weekend!
When we owed a restaurant I went how many hamburgers do I have to sell to pay for this
Good tips.
Thank you so much!
I love your channel Kate! Your enthusiasm and personality gets me excited about getting my budget and finances on track. Listening to you is like listening to my best friend.
Thank you so so much!!!!!!! I'm so glad you're here Mary!
This year I’m saving to take my family to Disney so I just save all I can by having that goal in mind, because I rather enjoy that the mindless spend on junk now. Thanks to Kate I have made excellent progress and am excited about what I’m able to accomplish.
HEATHER! I am so so proud of you! YASSSSS! DISNEY!!!!!! You've worked so hard and you're going to have a BLAST!!! THIS IS SO EXCITING! WAY TO GO!
Thanks Kate!
Good Morning Kate! At some point will you please make a video about the pros and cons of opening up Certificate of Deposit accounts and Money Market accounts?
Apparently, these accounts earn money for us while we eat, sleep, watch TV, or even go for a relaxing walk.🚶🏾♂️
Love the Singing too 😅
LOL!!!! Thank you Shelby!
Another one! 🎉 So good!!!
Thanks Kate! ❤❤❤
Love you engery 👍❤️☺️. I always trying to evolve mine budget as my needs and wants change 🤔👍😊 Thanks for sharing 🤗❤️
You are so welcome! Thank you for being here Pamela!!!! Way to evolve your budget! LOVE ITTT!!!!!!
Awesome Kate, agree with you 💯
Here watching
I can not wait to read that book. It is on my list. April
YASSS!!!!
Your hilarious. I love "Missy Elliot" too
Yasss🙌❤️❤️
I heard a different take on credit cards that make me look at them differently. THE POINTS EARNED BY SOMEONE ELSE IS PAID BY THE PEOPLE THAT GET INTEREST CHARGES. THE CREDIT CARD COMPANY IS NOT GIVING IT TO YOU. POOR PEOPLE THAT CAN’T PAY IN FULL DO. 😢
😦😫 so true!
❤ time management
Ramsey has many good ideas in the baby steps. But I don’t like him telling people not to have credit cards and your FICO score doesn’t mean anything. You and soooo many other people disagree with him.
Yeah 😊
Great video as always! I have thought many times - how many hours do I need to work to pay for this item? If it is an impulse buy - it usually stays at store :-).
YASS! Thanks Donna! HAPPY FRUGAL FRIDAY!
A frugal way i use to use was when i saved my money was i would tell me: That this doesnt exist...and by doing that i saved one time over $100.00 dollars....and saving for me back then was difficult for me...But ive tried to save from then n im on a 5 year plan to save for an all CASH payment on buying my next car for all CASH...
YASSS!
So, tagging on to your idea of “how many hours of my life do I lose working to get this item/experience” are the following: the cost per use. So 200 Euro K2 skates are “inexpensive.” I use them a lot, I use them for years. Compared to a 50 Euro gym membership, that I may use maybe once a week… those 200 will be gone in 4 months, and I only worked out 16 times if that.
So the skates (bike, hiking shoes, etc) are always worth it.
Another thing I sometimes do, and this is not at all an honest way to do math, is to think about adding my two kids into the equation. A 10 euro thing is actually 30 euro’s. As every Euro I earn is for me AND the kids. So from every Euro I actually only own only 33 cents. If I buy something silly for me, I take away money from the kids. The math, like I said, is definitely wrong but it helps putting things into perspective. Spending money on something I don’t need is taking away that money from the kids/my future self.
Hi Kate catching it on replay
Hi Mary!
I miss your videos
Awesome
Yes I can sell unwanted items I have at home
Where is the join button to become a channel member?
Fantastic 🎉 🎉 🎉
Thank you Gill!
Hi Kate, Thank you so much for these amazing video! Totally debt free here except our house , but we almost have that done too. Your videos help us keep our eye on the prize.
One question I have , you have mentioned your budget buffer in your checking account, do these funds serve as just your checking account cushion or if you needed it, would these funds also be part of your emergency fund? Meaning when you calculate your emergency fund is this extra cushion included in your total?
GREAT QUESTION! Okay so how I do it, is the buffer is on TOP of the emergency fund meaning the buffer is always around that one month amount, PLUS the 3-6 month emergency fund. I use my budget buffer as a catch all so there's always something available if something unexpected comes up, that is not true emergency. I try not to touch that emergency fund AT ALL, but the buffer is used and replenished:) I hope this helps!
@@KateKaden thank you so much for your response! This was so helpful! We have our emergency fund all set and now working on the budget buffer 👍🏻
My 26 year old daughter will be getting married 15 may 2023 she spent $70 to have her nails done just for fun bought $200 worth new clothes just for fun I said wtf are you doing your on a pension your getting married next month planning to move out of home your both will be on a partnered pension what's going on here?
Hey, there was no frugal Friday this week? Everything ok? Hope all is well with you Kate!❤️
Hi Steph! If you ever don’t see a video (which literally this is the first time in 4 years🤪) please always check my community tab for updates:) I’m on vacation with my son:) Miss you guys already! Check out my last two posts with my update:) Thank for stopping in! I’ll be seeing you again soon!
Thanks for getting back to me. Glad everything is OK! That’s great that you’re on vacation, enjoy! See you soon.
Sorry can't join you got to work Monday through Friday
#4 don't have friends
Full geek!!
YASSS!
Hope I can join you tomorrow