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yoadrienne i didn’t mean to offend you with my comment 😊 i do not even have social anxiety, it is just something i have been doing for my whole life and i know a bunch of people who do it too!
Stationary shopping is sooo stressful! There is way to much people around you, you never find what you want and your mom force you to take things you don’t want.
@@UnJadedJade Jade please note that your credit score in the UK means almost nothing to banks. They look at your report only (and can see you've made 3 previous applications, now 4 because you went in person also, that is a lot!). Having a high credit score 999 usually means your have little credit to your name. Electoral roll and pension are good advice tho.
@@kaatie79 Your credit report is what informs a credit score. A credit score is just an overall rating/number generated by each respective lender or credit scoring company to rank individuals or decide whether they will be able to access credit. You are wrong in part of your comment - having a good credit score is as a result of having a good credit history/report. If you don't do this, as she said in the video you won't be able to borrow in the future e.g. get a mortgage. Even if you are able to get a mortgage, the interest rates will be higher meaning it costs you more as the lender (bank) has no credit history to see whether they can trust you (you are therefore higher risk). Getting a credit card is a great (and essential) way to ensure that you have a good credit report if you make your payments on time. You are right that multiple applications for credit/credit cards do damage your report in the short term as it looks as if she's desperate to borrow money. I wouldn't even really try high street banks at this time because they'll be unwilling to give a 20 year old a credit card, unless it's a student card. If Jade were rejected again I'd probably advise that she goes for a easier to get card like Capital One or Tandem etc. They're just as reliable and will help her build her credit history just fine - though yes I'd wait as after making 4 applications in succession she's unlikely to be successful a 5th time
@@cobaltutopia I agree with the vast majority of what you have said but think as most people here are young and influenced by what jade does or says it's important to point out that a credit score can indicate different things for different people. For a 40 yr old it probably gives an indication of credit worthiness through a record of good credit history. For a young person looking to get their first credit card, the score should really be ignored as most young people without a credit history will have a high credit score as default (because banks have nothing to base credit worthiness on). For them this means nothing. Banks do not care what your credit score number is for this very reason. So in this particular instance I still say credit scores should be ignored, it's what's in your credit report that matters. Aqua, capital one, many banks do student credit cards. These are recommended, but only if you pay what you owe.
Am so grateful I followed my heart to buy things from *Ericroboti* on telegram the dude made believe this whole thing I’m so grateful and happy at the same time I got my credit card From him
Hi unjaded jade! I'm Chelsea and my older sister is your biggest fan. (no, seriously, she ADORES you) I honestly don't know where to begin but I'll start by saying my sister absolutely LOVES you. She has watched every single one of your videos (at least two times) and because of you, she has not only passed her GCSEs, but have gotten remarkable scores ✨ You are such an inspiration to her (and many others, of course) and there are endless reasons why she adores you that I can't possibly list them all. About my sister, she loves giving back to the community. Even in times like this, she would still go out and volunteer. Anyways, her birthday is coming up very soon and this will be the last birthday I get to celebrate with her before she goes to uni🥺, that's why I want to make it her best one yet. I was wondering if it would be possible for you to send a short video of you saying happy birthday to her. If you are reading this, thank you for your time and I hope you and your family are staying safe! ❤️
Hey, this would be really random but I would love to do something for your sister.. I don't exactly know what.. maybe I can just wish her happy birthday.. although I think it would be awkward as I'm a complete stranger..
Shambhavi awww thanks so much for thinking about it that's so sweet. Hmmm it would be pretty nice to say hbd to her but for now you can follow my Instagram and we can talk there @unjaded_dreams
Am so grateful I followed my heart to buy things from *Ericroboti* on telegram the dude made believe this whole thing I’m so grateful and happy at the same time I got my credit card From him
How I got my credit card in Germany: I asked my bank when I could get one, and they told me I had to be 18. I turned 18, filled out an online form... and got a credit card. That's it. That's the story. (So I was confused at the title, because here nobody gets rejected from a credit card, but it makes sense... UK finances seem really complicated to me)
Same in France ! But the key thing in the UK (and in the US actually) is that there is a difference between a credit card and a debit card. The card you are referring to in Germany is actually a debit card and there is not any difficulties to have one, but for a credit card its totally different as Jade explained, hope it makes sense (I was really confused too by the title aha)
@@shambhavi6888 nope! they just ask for your age. There are some banks where you can be 14 and then your parents can put a limit on your card... but it's pretty normal to have one
Please nobody apply for a credit card 3 times in quick succession, a computer will look at that and think the person must be desperate! Hence they decline it!! Space your applications out and apply for a easier (credit building) to get card and build up your credit history that way. Always pay ur card off in full. Also a credit score means nothing, banks look at your whole credit report not the number to assess credit worthiness. In America it's a bit different though.
@@katyh6708 Yep, in all honesty I think she should scrap this video and film a more informed one. Hey 20 yr olds make mistakes all the time and learn from it but they really shouldn't be advocating scattergun applications that could mess your credit report up for quite a while.
Also agree. It also depends on the credit card she’s applying for. There are several student friendly ones that banks offer that are catered to university students and have limits that reflect this.
There are applications which do have a safety feature which will not affect your credit score when you're applying which she also didn't mention. Hopefully people will do their research before randomly applying to different companies.
Honestly at my big age of 19 I could tell you EXACTLY how to travel the world ... but set up a bank account - a basic fundamental of life (and paying for travel) - nah I'm lost, not a clue 😂 😂 Jade I can't help but feel you're becoming that life skills teacher every student desperately needs!
Am so grateful I followed my heart to buy things from *Ericroboti* on telegram the dude made believe this whole thing I’m so grateful and happy at the same time I got my credit card From him
Can I just say how refreshing it is to see a young influencer following covid guidelines- wearing a mask and not taking it off to talk to the camera, not touching things in shops to show them to us. I’m absolutely not saying all young people are the problem (I’m the same age as Jade) but it’s just good to see people with a platform use it to do good- in so many ways! 💖
Jade you are such an example, THANK YOU! Seriously thank you for making this video. I'm twenty myself and I experience the same struggles. No one teaches you these things about taxes or finances and through your videos I feel like we're learning together.
Just to note that in the UK the actual score doesn't have much bearing, not sure if you mention this in the video as I'm still watching it. The reason for this is there is no universal credit score in the UK across the credit reference agencies. Income to debt ratio and paying everything on time will make you in good stead for credit. As you said always pay your credit card off each month!
US and UK credit systems will have similar principles. So yeah, use a credit agency to see where you are and build credit whilst referring to your credit score, you can't go wrong. It's better than being blind-sided.
Love that you are talking about this stuff Jade! What's really important when it comes to credit cards is that an application for credit will actually lower your credit score in the short term. You haven't yet proved you are able to pay back the money you have applied to borrow. In the longer term (over a period of a few years), making the payments will improve your score. You can see how likely you are to be accepted for a card on comparison websites before making a formal application, which means you are far less likely to be rejected and have the hit to your score. I personally started out at about 18 getting a 0% on purchases card for the longest period available, kept the utilisation low (maxing out a credit card is also bad for your score even if you are paying it off) and then made sure I'd paid it all off at the end of the 0% period. Just my two cents as a 22 year old who is really interested in personal finance :)
Jade, another thing to look into is a LISA (Lifetime ISA) - you can invest £4000 a year, you get 25% interest from the government each year (£1000 free!!) stocks and shares are low at the moment so in the long term it SHOULD (don’t count me on this!) go up! You can use it towards buying a house or you can access it when you’re 60 (pension) Just another useful financial tip for the future!!
H H oh i know, i honestly have no idea about near enough anything to do with finance which is great aha. also was there an age limit on the LISA? thank you :)
Imogen White Yes! The LISA is a great choice at the moment, you can open one with Hargreaves landsdown and just consistently invest in low cost index funds over many many years and you should see good returns plus the 25% bonus!
I love how, in the beginning of the video, the mirror in the back shows how this video was made. Kind of makes it even more relatable and raw. It also shows you from another perspective, the "unconscious" back perspective, which tells us that you are more than what you show your subscribers and more than what you represent online (these being wonderful things, wouldn't be writing this if it wasn't so!
You just inspired me to research that topic for myself. I literally wanted to walk into the next bank to open up another account for my savings for when I'm old. But because of you I did some research and my local bank recommended me to not start saving until I have paid of my student loan :)
This is the 1st video I've watched of yours! Ive been self taught by books and podcasts on finances and wish i had started at your age! Im 28, so anyone younger than me please listen to what Jade is saying!! It will change your life!!
Brilliant video Jade and good luck with the credit card ☺️ It's a shame that personal finance and taxes are a few of the many things on the list of things you never get told about until you're in the thick of it, especially because it affects every single one of us and money in the end is part of *every* decision you make in life. I'd love to see a video about a healthy relationship and philosophy surrounding money. A side effect of suddenly having to force yourself to learn about personal finance can be an unhealthy pursuit to secure money for oneself. Often I've seen that the people with the best attitudes towards money are those who don't have a lot of it, or don't attach a lot of themselves to it.
Oh, of course. This is something that's been on my mind recently too. A mindset of abundance in money, to me, means not feeling attached to it. Preparing for the future, being mindful and sensible etc, but not feeling the need to hoarde. Minimalism and rejecting consumerism help here too. I can definitely explore this, thank you! Another interesting point I'd like to explore is that where you put your pension might be the single most important financial decision for contributing to a good (or very bad) environmental cause. So much I'm still learning!! Glad you enjoyed it, Luther. 💛
If Ali Abdaal is our british, productive & life-motivational older brother, Jade is our (also british) self-care, spiritual queen older sister. Both will help you out in the journey that is life.
LOVE LOVE LOVE THIS - also it’s important to note that females really need to invest in their pensions as the gender wage gap means the compound interest as a proportion of their income is a lot smaller then men!! It’s so so so important to speak about this stuff 🙌🏼🙌🏼
Uploads two days in a row yay 💗honestly they should teach this stuff to everyone in school. My dad works in pensions so he drummed this stuff into my head instead. I've had a pension ever since I started working full time fresh out of Uni and I know my future self will thank me for it. Great content as ever :)
I'm so happy that in the Netherlands we do not have the bullshit of creditcard scores.... We tend to solely use debit cards. Mortgage is and exception in which the bank looks at your savings, your employment status and at how secure your source of income is and then determains the amount you are able to lend. Howeve,r if you have any debt and it does get registered(BKR), which also registers if you pay off that debt like you should(and if you don't or have a significant amount of dept it negatively impacts your mortgage). Still, I am happy to see you teach personal finance because it is such an underlit topic! I already know that I want to start investing when I have a steady stream of income, but right now I don't even know were to start...
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This video was so random but so cool!! I'm your same age and I really connect with you, your values and interests in life. Thanks so much for inspiring us and sharing your content! Love from Spain Jade💞
Oh the other day I was talking to a friend about this, how we are not taught in school about financial stuff! Great video! I'm inspired now to do some research in my country's financial system (even though is a complete disaster, ha)
I've been trying to get a credit card too! I ended up getting a student account with HSBC because they do student credit cards so hopefully that way I can get a credit card....
I got mine this way, I said I didn’t want one cause I wouldn’t use and low and behold I haven’t used it once but apparently it’s good to have anyway because it builds a good credit score 🤷🏽♀️
This is so helpful, you are filled with information that we NEED! Teaching us about positivity, self love and now life skills😊 thank you so much, also love your vibe 💕
NO, you're not the only one who writes a script in their head before talking to real adult people! (i'm 24 this year and would not consider myself that :D) i sometimes even write an outline of what i have to say for fear of forgetting everything... And that's okay! Love your energy Jade, keep it up ❤️
I am 20 years old and this has inspired me Jade to do my own research on pensions, and thank you SO much, it was super helpful! I have decided to invest in a stocks and shares ISA rather than in a Personal Pension, because I can access that money whenever I want to rather than once I'm 55 like in a pension. That will be helpful to me when I one day buy a house. However, once I get a graduate job, I will also enrol in my employer's pension scheme and will grow my pension pot in that way. Xx
I’ve been very fortunate in that my dad has always encouraged me to be money smart. I’ve always had good knowledge of how to save money through the various savings accounts and ISAs, which has helped massively. That and the fact I was accepted for a credit card soon after turning 18 (I’m 19 now). More young people need to be smart with their money, many of my peers at uni are still unsure of the best ways to manage their money. Best of luck with your application!
I'm 19, just finishing my first year of uni, and like many others I opened a student bank account. My bank actually offered me a student credit card, which I decided to open, because I know banks will make it so hard to give young people credit cards because, like Jade said, they dont know if you are a trustworthy person because you do not have a credit score. But if you are in a situation where you can get a student credit card, pay for small items, maybe online shopping with it and pay back the money every month to help build up your reputation, i.e credit score :)
As a young person, you honestly highlighted to me the importance of finance and being smart with money. Thank you!! I feel like you should do something in finance...
Just a reminder: you dont HAVE to get a credit card for a good credit score. Paying bills on time, taxes ect. will also up it. Be careful with credit cards and dont get lazy with paying stuff back. Many people end up in bad debt because of them. Be aware of what you’re applying for. I don’t recommend getting one at all if avoidable
Hey Jade! Lately I’ve been binge watching a lot of your old videos. I’m a huge fan and I’ve been in your channel for a very long time, since 2017. I’m still young but all of your videos have really helped me both academically and personally. I love you so much thank you for everything you have changed in my life I am so grateful😌❤️
I’m from Canada and one of my math courses in high school was finance and I was taught how to buy a house, mortgages, loans, etc. and I applied for a credit card at like 17 and got it right away, they couldn’t have been happier to get me set up. and voting has nothing to do with my score, finance in the UK is definitely interesting to learn about
I'm 21 and have been trying to do exactly the same for a few weeks now 😂 Banking life is tough...Thanks for the video Jade! It was really helpful and I feel like somebody's got my back 💪
Jade I am honestly so glad you are influencing me. You are an incredible super mindful and kind person. This book is added to my tbr! btw I do that thing with the bold lips every time and it works miracles lol
@@seraphina2690 I was one of those 1 million but yes anyone that sees this please sign! The show covers so so many important topics and needs another chance to shine!
Hi Jade, personal finance is a big part of people's live when they are in the need for money etc and struggling to pay the bills, but the people who were both lucky and responsible can manage their finances to the point where it is almost irrelevant in their lives. To master your finances you only need a few simple habits to help you (I have no idea of how much you know when it comes to personal finances): -live bellow your means: never spend too much of your income and don't spend more just because your income has increased. -invest: there are so many ways of doing this, in my personal opinion you should invest in what you are able to understand and master E.G.: -real estate renting: if you understand the possible costs and risks of renting a home and getting a mortgage for it you can master the cashflow and be able to find good deals that will sustain you with lots of money. -stocks: you MUST only invest in companies that you are capable of understanding on a deep level. People like Warren Buffett, Charlie Munger and many more know a lot about investing and have many good interviews. Try thinking about if the company you are investing in would be making more money than it is today (3 to 5 years is a great time span to start) and make a guess of a fair valuation (stock price/market cap/pe ratio) and see if your specific valuation would give you the amount of return that you wish. -pay attention to your spending carefully: use websites such as mint.com to track your spending. -Create/manage your passive income streams: you are doing this really well with your youtube channel, and you can create passive income in many other ways too!
Jade is the teacher we never knew we needed but now we wonder how we ever managed before we discovered her ❤ it's so true- no one teaches us this! But I'm also kinda glad because I wouldn't want to learn it from anyone else x
this was taught to us before quarantine happened, but honestly i'm not interested in it which explains why i couldn't remember much from that discussion, but thanks for the refresher jade!
Like the video, also if you have a student account (which you normally get when you go to uni), they normally have student credit cards available. The interest rate is very low/ monthly repayment option is very low too. This might be easier for people to get a credit card than the way Jade is going through :). Please check with your local bank
There’s absolutely nothing about a credit score that indicates you are good at handling your finances (like balancing a checkbook or investing in mutual funds). What it really does is monitor how comfortable you are with taking on debt to pay for things over the course of your life. It’s an arbitrary game banks want you to obsess over so the more you owe them over more years the higher your score.
Niamh Williams pension and retirement savings are so important and those things aren’t taught in school. Thank goodness my parents helped me out with that
Niamh Williams here in Canada most jobs contribute to a pension. But not all. You also put money into a retirement savings plan. I started saving in a refill an at 23 and have a decent amount.
Thank you for sharing your knowledge about a topic that is so important.As a young follower of your I really learned so many important things that I will definitely use in the future💗
i love these kind of videos because they are something that we never learn in school and something that we need to be an adult! i honestly feel like you are one of my half parents now haha 💗💗
Currently putting aside a bit of money each month into a Monzo pot ISA, which is a good step I think, but the interest has absolutely plummeted recently 😬 this video has encouraged me to consider 'shopping around' a bit for the best deal. Keep being awesome, Jade! ☺️
Dear Jade, I would send you this message over Instagram, but I have no social media besides TH-cam. I just wanted to say, you are one of the most amazing, and talented people(person? I have no talent in grammar) I know. You always post videos which show that You're a human, and not some robot who is always happy. They've helped me so so much💛💛💛 You're so incredibly humble about everyone you've helped and you've created such a huge community just on your own. You are amazing and perfect just the way you are so never change💛💛💛 Thank you for everything, Arani 💛💛
"You are the most amazing and talented person I know." and "You are one of the most amazing and talented people I know.". I am not 100% sure, but the trick is: in the 2nd sentence, you add "one of", which means 1 in a group of amazing and talented people. In the 1st sentence, one talks about the other person and only that person. That person is not part of the people who are amazing and talented. Ergo, you tried to say the second sentence in my explanation. :) Hope this helped!
Personal financial isn’t about having lots of MONEY,. IT’S knowing how to manage IT.
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As a financial adviser, this is so refreshing to watch. Jade you hit the nail on the head - thank you for getting young people to listen!!
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i also write scripts in my head for important conversations!!! the question would be: who doesn't?????
this makes me feel validated.
@@UnJadedJade this made my day, thanks for answering :)
i have written a script for my life like 5 years ahead
I mean I have severe social anxiety but I don’t do this. Everyone be different.
yoadrienne i didn’t mean to offend you with my comment 😊 i do not even have social anxiety, it is just something i have been doing for my whole life and i know a bunch of people who do it too!
on an unrelated note. STATIONARY SHOPPING IS SO THERAPUTIC
Jazz Singh agreed!!
Highlight of the school year (before it starts lmao)
yeah that part was very relatable
Stationary shopping is sooo stressful! There is way to much people around you, you never find what you want and your mom force you to take things you don’t want.
If we were taught about topics like finance in school, the world would definitely be a better place, so thank you for doing so Jade, great video!!!!
in school? grow up
anna wdym grow up? he’s right!
doesn't economics count as finance?
tessa u idk about you, but i’ve never had an economics class! i’ve been taught nothing, basically
@@pinkbunny6932 ohhh:( was it given as an option for a gcse tho? i mean most schl's in the uk do the class
Jade is officially our financial advisor
the PRESSURE
Right🤣🤣
@@UnJadedJade Jade please note that your credit score in the UK means almost nothing to banks. They look at your report only (and can see you've made 3 previous applications, now 4 because you went in person also, that is a lot!). Having a high credit score 999 usually means your have little credit to your name. Electoral roll and pension are good advice tho.
@@kaatie79 Your credit report is what informs a credit score. A credit score is just an overall rating/number generated by each respective lender or credit scoring company to rank individuals or decide whether they will be able to access credit. You are wrong in part of your comment - having a good credit score is as a result of having a good credit history/report. If you don't do this, as she said in the video you won't be able to borrow in the future e.g. get a mortgage. Even if you are able to get a mortgage, the interest rates will be higher meaning it costs you more as the lender (bank) has no credit history to see whether they can trust you (you are therefore higher risk). Getting a credit card is a great (and essential) way to ensure that you have a good credit report if you make your payments on time. You are right that multiple applications for credit/credit cards do damage your report in the short term as it looks as if she's desperate to borrow money. I wouldn't even really try high street banks at this time because they'll be unwilling to give a 20 year old a credit card, unless it's a student card. If Jade were rejected again I'd probably advise that she goes for a easier to get card like Capital One or Tandem etc. They're just as reliable and will help her build her credit history just fine - though yes I'd wait as after making 4 applications in succession she's unlikely to be successful a 5th time
@@cobaltutopia I agree with the vast majority of what you have said but think as most people here are young and influenced by what jade does or says it's important to point out that a credit score can indicate different things for different people.
For a 40 yr old it probably gives an indication of credit worthiness through a record of good credit history. For a young person looking to get their first credit card, the score should really be ignored as most young people without a credit history will have a high credit score as default (because banks have nothing to base credit worthiness on). For them this means nothing.
Banks do not care what your credit score number is for this very reason. So in this particular instance I still say credit scores should be ignored, it's what's in your credit report that matters.
Aqua, capital one, many banks do student credit cards. These are recommended, but only if you pay what you owe.
This is the first time I’ve seen jade’s panic energy and I luv it
it will not be the last.
UnJaded Jade I don’t want it to be ;)
Am so grateful I followed my heart to buy things from *Ericroboti* on telegram the dude made believe this whole thing I’m so grateful and happy at the same time I got my credit card From him
Hi unjaded jade! I'm Chelsea and my older sister is your biggest fan. (no, seriously, she ADORES you)
I honestly don't know where to begin but I'll start by saying my sister absolutely LOVES you. She has watched every single one of your videos (at least two times) and because of you, she has not only passed her GCSEs, but have gotten remarkable scores ✨ You are such an inspiration to her (and many others, of course) and there are endless reasons why she adores you that I can't possibly list them all. About my sister, she loves giving back to the community. Even in times like this, she would still go out and volunteer.
Anyways, her birthday is coming up very soon and this will be the last birthday I get to celebrate with her before she goes to uni🥺, that's why I want to make it her best one yet. I was wondering if it would be possible for you to send a short video of you saying happy birthday to her.
If you are reading this, thank you for your time and I hope you and your family are staying safe! ❤️
Chelsea Wong Happy Birthday to your sister 🥰🙏🏼❤️ hope you all enjoy a lovely blessed day x
tigereyewarrior thank you so much!
Hey, this would be really random but I would love to do something for your sister.. I don't exactly know what.. maybe I can just wish her happy birthday.. although I think it would be awkward as I'm a complete stranger..
Chelsea Wong I hope she sees this!!!
Shambhavi awww thanks so much for thinking about it that's so sweet. Hmmm it would be pretty nice to say hbd to her but for now you can follow my Instagram and we can talk there @unjaded_dreams
Do I smell an adulting series on this channel? I'm loving these new videoss🤠🌻
hetav modi me too!
Am so grateful I followed my heart to buy things from *Ericroboti* on telegram the dude made believe this whole thing I’m so grateful and happy at the same time I got my credit card From him
How I got my credit card in Germany: I asked my bank when I could get one, and they told me I had to be 18. I turned 18, filled out an online form... and got a credit card.
That's it. That's the story.
(So I was confused at the title, because here nobody gets rejected from a credit card, but it makes sense... UK finances seem really complicated to me)
Don't you need to have a job to get a credit card?
Same in France ! But the key thing in the UK (and in the US actually) is that there is a difference between a credit card and a debit card. The card you are referring to in Germany is actually a debit card and there is not any difficulties to have one, but for a credit card its totally different as Jade explained, hope it makes sense (I was really confused too by the title aha)
Both in France and Germany I don’t think you have crédits cards and debits cards, there is only debits cards
Same here in Italy
@@shambhavi6888 nope! they just ask for your age. There are some banks where you can be 14 and then your parents can put a limit on your card... but it's pretty normal to have one
I love that even with only thirty minutes to go, Jade put the camera on the floor and filmed herself walking by 😂
Thought the same thing 😂
Please nobody apply for a credit card 3 times in quick succession, a computer will look at that and think the person must be desperate! Hence they decline it!! Space your applications out and apply for a easier (credit building) to get card and build up your credit history that way. Always pay ur card off in full.
Also a credit score means nothing, banks look at your whole credit report not the number to assess credit worthiness. In America it's a bit different though.
Completely! Honestly, it's really bad advice for UK viewers, and imo Jade should've done more research before sharing this
@@katyh6708 Yep, in all honesty I think she should scrap this video and film a more informed one. Hey 20 yr olds make mistakes all the time and learn from it but they really shouldn't be advocating scattergun applications that could mess your credit report up for quite a while.
Also agree. It also depends on the credit card she’s applying for. There are several student friendly ones that banks offer that are catered to university students and have limits that reflect this.
There are applications which do have a safety feature which will not affect your credit score when you're applying which she also didn't mention. Hopefully people will do their research before randomly applying to different companies.
The video shows her prior ignorance but I like it tbh because it also shows the realism of what many people aged 18-21 do.
"They didn't teach us compound interest". LOL, that is literally engraved into my head from GCSE maths.
Honestly at my big age of 19 I could tell you EXACTLY how to travel the world ... but set up a bank account - a basic fundamental of life (and paying for travel) - nah I'm lost, not a clue 😂 😂 Jade I can't help but feel you're becoming that life skills teacher every student desperately needs!
Dude, tell me how to travel the world. Please. 🥺
Shambhavi what a Mood 😂🤣🤣
@@roslyndougan8046 hahaha🤭
Gosh me too. I'm 19 and have no idea how these things work. WHY WEREN'T WE TAUGHT THIS AT SCHOLL
Timothy Lam we need this info.
I write scripts in my head even for unimportant conversations
Exactly omg. I script what I'm going to say to the barber, to my teacher on the phone, to my friends even sometimes ughhh
months in advance
Introvert soulmate culture ○
@@ceci9570 that's a whole other level damn hahaha
Am so grateful I followed my heart to buy things from *Ericroboti* on telegram the dude made believe this whole thing I’m so grateful and happy at the same time I got my credit card From him
Can I just say how refreshing it is to see a young influencer following covid guidelines- wearing a mask and not taking it off to talk to the camera, not touching things in shops to show them to us. I’m absolutely not saying all young people are the problem (I’m the same age as Jade) but it’s just good to see people with a platform use it to do good- in so many ways! 💖
Jade you are such an example, THANK YOU! Seriously thank you for making this video. I'm twenty myself and I experience the same struggles. No one teaches you these things about taxes or finances and through your videos I feel like we're learning together.
"being a powerful, competent woman does not mean looking good" YESSS
Just to note that in the UK the actual score doesn't have much bearing, not sure if you mention this in the video as I'm still watching it. The reason for this is there is no universal credit score in the UK across the credit reference agencies. Income to debt ratio and paying everything on time will make you in good stead for credit. As you said always pay your credit card off each month!
Shaffron Shenton i think she is reading an American book thinking its the same in Britain...
US and UK credit systems will have similar principles. So yeah, use a credit agency to see where you are and build credit whilst referring to your credit score, you can't go wrong. It's better than being blind-sided.
Love that you are talking about this stuff Jade! What's really important when it comes to credit cards is that an application for credit will actually lower your credit score in the short term. You haven't yet proved you are able to pay back the money you have applied to borrow. In the longer term (over a period of a few years), making the payments will improve your score. You can see how likely you are to be accepted for a card on comparison websites before making a formal application, which means you are far less likely to be rejected and have the hit to your score. I personally started out at about 18 getting a 0% on purchases card for the longest period available, kept the utilisation low (maxing out a credit card is also bad for your score even if you are paying it off) and then made sure I'd paid it all off at the end of the 0% period. Just my two cents as a 22 year old who is really interested in personal finance :)
Jade, another thing to look into is a LISA (Lifetime ISA) - you can invest £4000 a year, you get 25% interest from the government each year (£1000 free!!) stocks and shares are low at the moment so in the long term it SHOULD (don’t count me on this!) go up! You can use it towards buying a house or you can access it when you’re 60 (pension) Just another useful financial tip for the future!!
thank you so much for this! :)
I opened a LISA last week, honestly I thank god my mum is taking the time to teach me about ~financial stuff~ because my school taught me none of it.
H H oh i know, i honestly have no idea about near enough anything to do with finance which is great aha. also was there an age limit on the LISA? thank you :)
Imogen White Yes! The LISA is a great choice at the moment, you can open one with Hargreaves landsdown and just consistently invest in low cost index funds over many many years and you should see good returns plus the 25% bonus!
Is this only a UK thing?
I love how, in the beginning of the video, the mirror in the back shows how this video was made. Kind of makes it even more relatable and raw. It also shows you from another perspective, the "unconscious" back perspective, which tells us that you are more than what you show your subscribers and more than what you represent online (these being wonderful things, wouldn't be writing this if it wasn't so!
from watching this i have put a reminder in my phone calendar for a few days after my 18th birthday to rewatch this video. thank you jade!! :)
You just inspired me to research that topic for myself. I literally wanted to walk into the next bank to open up another account for my savings for when I'm old. But because of you I did some research and my local bank recommended me to not start saving until I have paid of my student loan :)
I’m really enjoying the educational videos Jade! Please keep making videos on issues/adulting ❤️
Thank you so much!! noted. ❤️
This is the 1st video I've watched of yours! Ive been self taught by books and podcasts on finances and wish i had started at your age! Im 28, so anyone younger than me please listen to what Jade is saying!! It will change your life!!
Brilliant video Jade and good luck with the credit card ☺️ It's a shame that personal finance and taxes are a few of the many things on the list of things you never get told about until you're in the thick of it, especially because it affects every single one of us and money in the end is part of *every* decision you make in life.
I'd love to see a video about a healthy relationship and philosophy surrounding money. A side effect of suddenly having to force yourself to learn about personal finance can be an unhealthy pursuit to secure money for oneself. Often I've seen that the people with the best attitudes towards money are those who don't have a lot of it, or don't attach a lot of themselves to it.
Oh, of course. This is something that's been on my mind recently too. A mindset of abundance in money, to me, means not feeling attached to it. Preparing for the future, being mindful and sensible etc, but not feeling the need to hoarde. Minimalism and rejecting consumerism help here too. I can definitely explore this, thank you!
Another interesting point I'd like to explore is that where you put your pension might be the single most important financial decision for contributing to a good (or very bad) environmental cause. So much I'm still learning!! Glad you enjoyed it, Luther. 💛
@@UnJadedJade I'd never thought about that! I've got a lot to learn too!
patricia bright’s new channel the break is FANTASTIC!! i’ve been learning so much about finance from her, i’d really recommend!!
thank you so much for the rec!! I will definitely look into it 👏
How do you not have over 1 million subscribers!!!! Your videos are so good and really useful.
Financial stuff actually terrifies me but this video made it sound less scary!! Thank u!!!
Your energy in the first part of this video is so fun! You’re clearly stressin but also excited and it is class. Best of luck in meeting no. 2!!!
This is perhaps jades most chaotic video 😂
me: daily.
It’s fantastic.
I was looking for this comment 🙌🏼
Hi Jaaade) You're not the only one who SCRIPTS discussions, I do the same (but it often doesn't go as planned)
Living for the constant positivity👏🏼
2 videos in 2 days!!! Jade your treating us!
i gained so much knowledge in this vid thoo, I am def gonna start looking into starting pensions once I am 18. Ty Jade
THAT COAT!!! That entire look had me floored it was so sick.
If Ali Abdaal is our british, productive & life-motivational older brother, Jade is our (also british) self-care, spiritual queen older sister. Both will help you out in the journey that is life.
Isn't Ali an Indian?
Pakistani, if I’m not mistaken-but migrated to the UK, with a distinct british accent.
LOVE LOVE LOVE THIS - also it’s important to note that females really need to invest in their pensions as the gender wage gap means the compound interest as a proportion of their income is a lot smaller then men!! It’s so so so important to speak about this stuff 🙌🏼🙌🏼
okay i’m excited :D also still obsessed with both your red coat and your plants 🥺
Thank you!!! I needed this. People just don’t tell you these things and I just need to hear it simply. Thank you 🙏
Uploads two days in a row yay 💗honestly they should teach this stuff to everyone in school. My dad works in pensions so he drummed this stuff into my head instead. I've had a pension ever since I started working full time fresh out of Uni and I know my future self will thank me for it. Great content as ever :)
I'm so happy that in the Netherlands we do not have the bullshit of creditcard scores.... We tend to solely use debit cards. Mortgage is and exception in which the bank looks at your savings, your employment status and at how secure your source of income is and then determains the amount you are able to lend. Howeve,r if you have any debt and it does get registered(BKR), which also registers if you pay off that debt like you should(and if you don't or have a significant amount of dept it negatively impacts your mortgage). Still, I am happy to see you teach personal finance because it is such an underlit topic! I already know that I want to start investing when I have a steady stream of income, but right now I don't even know were to start...
This video was so random but so cool!! I'm your same age and I really connect with you, your values and interests in life. Thanks so much for inspiring us and sharing your content! Love from Spain Jade💞
thank you for being the best teacher i never had. these videos are so helpful! i never had this in school :) x
I’m gonna comment it again, a podcast by Jade would be amazing !
we neeeeed to get jade to 500k, she deserves it!!!!!!
Haha I was thinking that that might be a bit ambitious, because I thought she was at 250k or something...but no, she's at 450k! Let's do this!
@@naomiettrick2973 yesss!!!
Oh the other day I was talking to a friend about this, how we are not taught in school about financial stuff! Great video! I'm inspired now to do some research in my country's financial system (even though is a complete disaster, ha)
Jade- you are literally my life coach 💗
I've been trying to get a credit card too! I ended up getting a student account with HSBC because they do student credit cards so hopefully that way I can get a credit card....
That’s how I got mine! I think it was an optional extra where you just had to say you wanted one in addition to the current account
I got mine this way, I said I didn’t want one cause I wouldn’t use and low and behold I haven’t used it once but apparently it’s good to have anyway because it builds a good credit score 🤷🏽♀️
This is so helpful, you are filled with information that we NEED! Teaching us about positivity, self love and now life skills😊 thank you so much, also love your vibe 💕
So great that you're making content like this!
Jade's manic attitude in the beginning sends me, haha 🌟 Also I loved your first top! The orange and black really compliments your colors :)
NO, you're not the only one who writes a script in their head before talking to real adult people! (i'm 24 this year and would not consider myself that :D) i sometimes even write an outline of what i have to say for fear of forgetting everything... And that's okay! Love your energy Jade, keep it up ❤️
that intro made my day!! you are so positive x
Wooooahhhh jade the finance guru
I am 20 years old and this has inspired me Jade to do my own research on pensions, and thank you SO much, it was super helpful! I have decided to invest in a stocks and shares ISA rather than in a Personal Pension, because I can access that money whenever I want to rather than once I'm 55 like in a pension. That will be helpful to me when I one day buy a house. However, once I get a graduate job, I will also enrol in my employer's pension scheme and will grow my pension pot in that way. Xx
This is incredible Jade. Thank you
When jade pointed at Sarah J. Maas books I was so happy because those books are a few of my favourite reads!!
haaa the video has just started and role model is playing 🤩🤩
This is one of the smartest videos youve made, i'm super inspired!!
I’ve been very fortunate in that my dad has always encouraged me to be money smart. I’ve always had good knowledge of how to save money through the various savings accounts and ISAs, which has helped massively. That and the fact I was accepted for a credit card soon after turning 18 (I’m 19 now). More young people need to be smart with their money, many of my peers at uni are still unsure of the best ways to manage their money. Best of luck with your application!
I'm 19, just finishing my first year of uni, and like many others I opened a student bank account. My bank actually offered me a student credit card, which I decided to open, because I know banks will make it so hard to give young people credit cards because, like Jade said, they dont know if you are a trustworthy person because you do not have a credit score. But if you are in a situation where you can get a student credit card, pay for small items, maybe online shopping with it and pay back the money every month to help build up your reputation, i.e credit score :)
As a young person, you honestly highlighted to me the importance of finance and being smart with money. Thank you!! I feel like you should do something in finance...
When she Said “ my face is good enough as it is “ period!!!!! I love that
I've just binged most of your content and your personality is so sweet and relatable. You're doing great sweetie! :D
please could you do a video on setting up a pension as a young adult! the info online is so confusing and you explain things so well :)
Thank you for making me aware of these things. You are a real star Jade! Love you
Just a reminder: you dont HAVE to get a credit card for a good credit score. Paying bills on time, taxes ect. will also up it. Be careful with credit cards and dont get lazy with paying stuff back. Many people end up in bad debt because of them. Be aware of what you’re applying for. I don’t recommend getting one at all if avoidable
7:42 😔 but in another note the bike riding footage cheered me up, you guys have such good energy
Hey Jade! Lately I’ve been binge watching a lot of your old videos. I’m a huge fan and I’ve been in your channel for a very long time, since 2017. I’m still young but all of your videos have really helped me both academically and personally. I love you so much thank you for everything you have changed in my life I am so grateful😌❤️
two videos in two days ahhh jade you're spoiling us!
The world NEEDS more positive, educational influencers like Jade
You just opened my eyes! How amazing, thank you very much for all this information.
such a useful video Jade!!! i got my first credit card at 20 and absolutely loved reaping the benefits, including racking up lots of air miles hehe
I’m from Canada and one of my math courses in high school was finance and I was taught how to buy a house, mortgages, loans, etc. and I applied for a credit card at like 17 and got it right away, they couldn’t have been happier to get me set up. and voting has nothing to do with my score, finance in the UK is definitely interesting to learn about
I'm so grateful for you, Jade 🙃
I loved this! Could you do more on the basics of living as an adult in the uk? :))
I'm 21 and have been trying to do exactly the same for a few weeks now 😂 Banking life is tough...Thanks for the video Jade! It was really helpful and I feel like somebody's got my back 💪
Jade I am honestly so glad you are influencing me. You are an incredible super mindful and kind person. This book is added to my tbr!
btw I do that thing with the bold lips every time and it works miracles lol
I was literally just binging your videos and now you post lol
haha same
You should watch this show called "Anne with an E", trust me you will love it!! (Please like so that jade could notice)
Yesssssss
Yes, yes, yes, yes, yes!!
YES! also anyone reading this the petition for another season of Anne WAE just reached 1 million! go sign it please its such an amazing show
Definitely
@@seraphina2690 I was one of those 1 million but yes anyone that sees this please sign! The show covers so so many important topics and needs another chance to shine!
Hi Jade, personal finance is a big part of people's live when they are in the need for money etc and struggling to pay the bills, but the people who were both lucky and responsible can manage their finances to the point where it is almost irrelevant in their lives. To master your finances you only need a few simple habits to help you (I have no idea of how much you know when it comes to personal finances):
-live bellow your means: never spend too much of your income and don't spend more just because your income has increased.
-invest: there are so many ways of doing this, in my personal opinion you should invest in what you are able to understand and master E.G.:
-real estate renting: if you understand the possible costs and risks of renting a home and getting a mortgage for it you can master the cashflow and be able to find good deals that will sustain you with lots of money.
-stocks: you MUST only invest in companies that you are capable of understanding on a deep level. People like Warren Buffett, Charlie Munger and many more know a lot about investing and have many good interviews. Try thinking about if the company you are investing in would be making more money than it is today (3 to 5 years is a great time span to start) and make a guess of a fair valuation (stock price/market cap/pe ratio) and see if your specific valuation would give you the amount of return that you wish.
-pay attention to your spending carefully: use websites such as mint.com to track your spending.
-Create/manage your passive income streams: you are doing this really well with your youtube channel, and you can create passive income in many other ways too!
THIS IS AMAZINGGGG SOOO HELPFUL!!!
Jade is the teacher we never knew we needed but now we wonder how we ever managed before we discovered her ❤ it's so true- no one teaches us this! But I'm also kinda glad because I wouldn't want to learn it from anyone else x
this was taught to us before quarantine happened, but honestly i'm not interested in it which explains why i couldn't remember much from that discussion, but thanks for the refresher jade!
Like the video, also if you have a student account (which you normally get when you go to uni), they normally have student credit cards available. The interest rate is very low/ monthly repayment option is very low too. This might be easier for people to get a credit card than the way Jade is going through :). Please check with your local bank
There’s absolutely nothing about a credit score that indicates you are good at handling your finances (like balancing a checkbook or investing in mutual funds). What it really does is monitor how comfortable you are with taking on debt to pay for things over the course of your life. It’s an arbitrary game banks want you to obsess over so the more you owe them over more years the higher your score.
this is unrelated but jade you look amazing!!!!! all of those outfits were fire 🔥 thank you for making such an informational video x
THIS WAS SOOO FUN TO WATCH AHHHHH 😌
I just turned 21 so I never thought about getting a pension but now it seems like a sensible idea.
Niamh Williams pension and retirement savings are so important and those things aren’t taught in school. Thank goodness my parents helped me out with that
Niamh Williams here in Canada most jobs contribute to a pension. But not all. You also put money into a retirement savings plan. I started saving in a refill an at 23 and have a decent amount.
Thank you for sharing your knowledge about a topic that is so important.As a young follower of your I really learned so many important things that I will definitely use in the future💗
i love these kind of videos because they are something that we never learn in school and something that we need to be an adult! i honestly feel like you are one of my half parents now haha 💗💗
Currently putting aside a bit of money each month into a Monzo pot ISA, which is a good step I think, but the interest has absolutely plummeted recently 😬 this video has encouraged me to consider 'shopping around' a bit for the best deal. Keep being awesome, Jade! ☺️
this is so useful -THANK YOU
you REALLY teach us an important life thing that no one teach us
Dear Jade,
I would send you this message over Instagram, but I have no social media besides TH-cam.
I just wanted to say, you are one of the most amazing, and talented people(person? I have no talent in grammar) I know. You always post videos which show that You're a human, and not some robot who is always happy. They've helped me so so much💛💛💛 You're so incredibly humble about everyone you've helped and you've created such a huge community just on your own. You are amazing and perfect just the way you are so never change💛💛💛
Thank you for everything,
Arani
💛💛
"You are the most amazing and talented person I know." and "You are one of the most amazing and talented people I know.". I am not 100% sure, but the trick is: in the 2nd sentence, you add "one of", which means 1 in a group of amazing and talented people. In the 1st sentence, one talks about the other person and only that person. That person is not part of the people who are amazing and talented. Ergo, you tried to say the second sentence in my explanation. :) Hope this helped!
@@DragonyCat Thank you. I suck at grammar hahaha so this definitely helped :D
This was crazy insightful
Please do more videos like this it’s so helpful
The power outfit was on point !!!