This also works in a similar way with amazon. You leave the not so urgent stuff in the cart and when they drop the price you can see it easier when you look in your cart.
Omg I do the same thing-- fake online window shopping! I put everything in the cart then I wait to complete later. Usually I never go back! Trick of the mind. I thought I was the only one that does that lol.
I do this too!! I go in a store (I call it window shopping) and write down or take pictures of something I want... I go back later and purchase it but some stuff I never go back for at all ... just like online 😂
ive seen several videos on how to budget and honestly yours was the best...its not complicated. its not expensive...doesnt require a fancy journal with stickers and colorful sticky note..just a simple sheet of paper and a pen.
Make sure when you tith that you also save your money for yourself. It's wonderful to give but if you have nothing left over to take care of you that's not the best place to be in. You can't pour out of an empty cup. Not saying not to, just make sure you're saving too.
Tithing is where your blessings come from. God blessed you with the job to have your income. You are not donating when you tithe, that is what you owe God. Malachi 3: 7-10 God says, pay your tithes and He will pour out blessings where you will not have enough room to recieve them. 10% off of any increase you recieve (gross not net). Pay your tithes, savings then bills and watch God work!!! Believe me i truly know. All it takes is for you to fall ill and not be able to work. God will supply.
Another tip would be to budget your alloted amount of money you would spend minimally for your expenses per month EVERY MONTH.. and whatever you don't spend just put it into your savings account. And to use up products before you purchase more.
Yes, great tip. I started sinking funds, which are free savings accounts online for different things. If u do a zero based budget and make sure every dollar gets a job then we will have money on autopilot going into savings accounts thru schedule transfers going in to these expenses like bills. So, if the money isn't spent it will have it's on bucket so when u do need it it will be there. U can choose to put it savings at some point to but we need to zero out our budget before each month begins to prevent pit falls of over/unwise spending. Just speaking from experience.
man i'm 12 yrs old an now i know for the rest of my life. i really hope this helps me in the future. currently im saving money on a shopping spree; but i'm using ur tip for when i save instead of using all of it, im only gonna use 10 percent. ugh man thanks for this video gurl holy she gave me a heart AHHHH
napré wow 12 I wasn't even thinking like this! You're bomb! If you start good habits now like saving and budgeting and then when you become an adult and keep your credit good, you will be a millionaire. Good luck and yes, save your money. I would spend it on experience more than things honestly because when you become my age, you won't care about anything you buy with that money now. But if you save it and invest it, you can triple that amount and more! Keep me posted!
yay you replied! okay so basically that was my christmas money, and i bought a few things with a gift card to my favorite clothing store, and a few other things. i originally had around 160 dollars, an i still have around 120 - 140 dollars. i've been all around trying to find videos like this btw, u saved my life. also i can spell way better than this, just too lazy since i'm on break, and i only go back on the 8th of january.
napré we the fact that you're even thing about things is great! You will be fine, just keep saving and putting more money to the side than the money you spend. That's the goal. Always save more than you spend
Honestly, that's what I really want to do. When I'm older, I want to live in a good environment, but that means I need to spend for money, therefor I am going to put more money to the side right now so when I'm older I'll have more options, like maybe to buy a house, or a new car, etc. These tips helped me sooo much.
so i came across this video(need tips on saving money) and you gave me some good tips, so i decided to pull out my notebook and write everything down it was at this moment i realize how much money i spend a MONTH at starbucks. i am in shocked.I drink starbucks EVERY morning on my way to work and i spend 5.75*7*4=160 a month.i think its safe to say i will cut out starbucks or cut back. thanks for the tips......
I'm so happy I helped you! One thing I started doing is making Starbucks a treat when I travel only. I got a Keurig (less than your one month at Bucks lol) and the REFILLABLE K-cup. I buy the coffee grounds which are so much cheaper and I make my coffee at home and save so much money in the long run that way.
Brittany Daniel yes that's the plan start making my own coffee at home and maybe do Starbucks a couple times a month or just on the weekends. I'm 29 years old and you would think I would have this down but you have opened my eyes. Shared and sub to your channel. Thanks doll
Thanks so much! That means a lot to me and girl I'm 28 and I'm still figuring things out. One step at a time. We still have plenty of time to learn and work things out. That's what our 20s are for! Good luck and keep me posted on your progress. I plan to make an updated one in a few months, things I'm learning and that have changed.
Great video Brittany, you remind me of myself,at your age ... but I was married with 2 children studying towards a degree in fashion design.... but had to manage with the my husbands,income ...he was excellent in managing money. Only started to work at age 31...so I had to account for every penny ...i use to write down all my spending , even if it was just an iceream. I am proud to say 40 years later, both my children are married with degrees and great careers ...I am retired and am grandmother to 5 young ladies . All the hard work has paid off ..so keep up with your great work..I only wish there was you tube in those days..to help and advise me...thank you ...you really are an inspiration ...enjoy
Sephora is a beast. I agree with the pay your bills first tip. I used to have a lot of credit card debt and this approach combined with some simple annual goal-setting got me out of debt.
Girl your video is the bomb. Why? Well you just taught me how to budget for the things that I want and need by planning ahead. Keep up the good work!!!
Brittany, what great reminders. These are things my mother taught me when I was a teen living at home. Watching you, I can remember mom and I sitting at the kitchen table and her telling me these things. You're smart to be young and following these tips. ~Smile!
I agree with the jewelry . I would also buy fake earrings , lose them, and breakout . Now I invested in white gold and rose gold earrings and haven't had to replace them , I use an extra backing for my earrings so I don't lose them and I don't breakout at all.
Hi Brittany. I’m totally new when it comes to Budgeting. Never done it before and don’t know where to even start ☺️. But I’m now really needing to do this because we are currently NOT saving anything at all and that’s not good. We are a family of 4. Mom, dad son and daughter. Happy family. I’m a housewife and my husband works very hard. Being a mom and a wife , I need to get my act together so that I could start to save some saving, those saving can put toward home improvement, vacation, better car, or whatever..... after watching your video. I finally got it. I will keep you posted to see how much I can save at the end of every month. We really need to do this budgeting long ago instead of wasting our money for dinner, vacation, movie, tons of shopping. Thank you again Brittany. Bye
In Islam we say: No charity shall ever decrease wealth, and Allah will only increase the honor of a servant who pardons, and he who is humble for Allah's sake, then Allah will elevate his grade.
Amen, I like that. You're right. In the Christian church their is a lot of poverty. People give and mismanage their money and or don't save it. OR we are not taught to save correctly. I definitely believe in giving 100% but you won't be rewarded IF that giving is done with a heart of regret. If you give what you can't afford then you won't feel good about giving and in return not be blessed because it didn't come from a loving place. That was what I meant by that.
girl i give with my time. im broke as hell amd cant afford freakin conditioner let alone give money away but i have volunteered over 2000 hours over my 21 years. give what you can with a full heart
HerHighnesss88 subhanallah 🙌🏾🙏🏾 This is TRUE. And when you don't do your part in zakat (charity), charity will come from you ANYWAY..... Ever lose money? 😩😂😂 exactly 🤷🏾♀️
It's so true....do not compare yourself to others because we really do not know what's really going on. My friend's daughter and boyfriend saved for 7 years, married and bought a house. They were very sensible about how they used their money. Their friends just blew money on clothes and hundreds of nights out. They married, struggled, rented, and some were jealous and angry about the couple and even called them snobs. They weren't snobs, they were clever.
This is an AMAZING video! Gas is definitely a ‘bill’ for me cuz I depend on my car to get me to & from work! I already literally write down all of spending & where I spend at! My mom calls me “cheap” but hey, that’s why I have a handle on my money! 💁🏾💕 I just put it all in my agenda! Never did the monthly plan because my cheques fluctuate since I’m still hourly!
This is seriously a great video. I have a daughter who will be starting 9th grade soon. I am going to share this video with her. I feel it is a very helpful video especially for young people. It was simply put and physically writing it out was a great exercise. I wish someone sat down with me when I was younger and showed me the ropes with finances. I really like the fact that your videos are geared toward college age viewers. Sometimes its easier to receive advice from your contemporary, as oppose to someone older (the tone is more like, "Girl, let me help you" instead of "You should be doing this..."). Keep up the good work. These videos can produce a greater return than you can ever imagine (and I am not just talking money).
Thank you so much for your kind words! I really appreciate that. This is my passion, my mission, exactly what I want is to help young people become better, more responsible adults. Thank you for your words of encouragement.
Come to Supervalu Warehouse Harrisburg Pennsylvania i make 5000 a month i have 3 years on the company but my problem is that i dont save im not organize.
As a student I don't have any income, but i have to save money, as i'm alr in a lot of debt. The way of planning possible expenses for each month is super helpful thank you so much for your video! its made my life so much easier :)
Also, go Christmas sopping in August. There are lots of sales, you can still use coupons and the retailers haven't marked everything up. Start a Christmas account, put money away all year maybe even some tax money, till August, go shopping and its over. No Christmas shopping on credit needed. Glad you are showing budgeting. I found that if a person defines their financial goals, they will think of them more often than they think and they will find ways to achieve the goal faster. Great video!
Don't doubt yourself baby girl. The video had mad information. Thanks for the advice. I added to my existing budgeting list. Every bit of information helps. Keep up the good work.
Great idea! I just started using putting my money in different accounts. I think I need to do an update video on this topic, I've learned a lot and doing things that are helping me save more money.
I am SO glad that I found your channel! You have the most informative content in a simple approach that anybody can follow. I swear I'm watching the video and you remind me of a very wise friend that's humble enough to share her knowledge!!! Blessings Sis!
I agree 100%. It's smarter to pay everything off 100% or way more than the minium BUT the reality is most people don't so I was giving a more realistic example but you're right.
I know. I hate debt and the interest. :). We never had any debt besides the mortgage, and I can't wait to get rid of that, but it will take years and years :(. We use credit cards to get the rewards and pay them off as soon as the bills come. :)
This is teh wrong way to live, please read the book Rich dad poor dad by Robert Kiyosaki. With the way you're living you accumulating debt (house by mortgage) thinking it's an asset.
I have read the book. How am I accumulating debt this way? I never said how much debt the EXAMPLE had, nor did I give the balances of the EXAMPLE credit cards. I am giving people a realistic budget, not the most perfect one. It is up the individual to tailor their budget to their life style. But thank you for the comment. Most people have debt and don't pay on it at all. This way, it gives them a starting point.
Just watched both videos about what you should and shouldn't splurge your money on and I learned ALOT. This video also motivated me to try out your budgeting tips/examples.. I found this video just in time because college is about to start, I have a little job now!
I'm so happy they helped you! I want to do a college series. Is there anything you would like to see or know before going to school? Also, your college years are about to be your best! I'm so happy for you! Good luck with everything and please keep me posted! Also, if you do have any suggestions, I will see them faster if you DM me on IG. Sometimes it's hard to find/see comments if I have a bunch on top of them.
Things that I learned and doing :Minimalism(still trying), budget and planning , save most of my income , healthy choices, self care( i do my hair , makeup, nails by myself) and being cautious about my spendings ..
Wow !! I can't believe how easy and simple you just made this look!!! I have been searching how to a budget and this has been the best best so how to budget! Thank you so much for doing this.
Liked your video. Quote to live by: "Better to look broke and have money, than to look fabulous and be broke." Proverbs 12:9 "Better to be a nobody and yet have a servant than pretend to be somebody and have no food." Proverbs 13:7 "One person pretends to be rich yet has nothing; another pretends to be poor, yet has great wealth." I do have a few sort of negative comments (sorry). Your budget plan lacked: 1. electric bill, water/sewage bill, car maintenance (may only need repair once a year, but must be planned for monthly), household items (soaps, laundry bath and dish; etc.) home improvement (yes, renters do this too because they want their place to feel like Their home); lawn maintenance (renters may buy plants and balcony items), gifts (holidays birthdays weddings, etc.) vacations, entertainment, my office required me to pay for going-away gifts and group bonding stuff-said it's optional but not really, and dry cleaning. 2. It would improve your ability to help us if you worked with clients on their budgets. Your tips would take on the patterns you'd spot as you viewed where people get stuck in 'sand pits'. For example; one fellow noticed that his clients had a lot of junk (this lead to storage and clutter issues). He told people, "Stop buying ugly stuff." This helped with storage issues as they no longer had to 'hide' the items. Saved a lot of money because people do buy items that they later on don't use- because it was ugly to begin with (bought in a 'utilitarian' mood). Please don't be offended. I like and appreciate your video and advise. You have a gift for helping people and I hope my suggestions will make your advise even better.
swcomer thank you so much and I understand where you’re coming from. This budget plan was for beginners and I just gave small examples just to show how it’s done for someone who has no idea where to start. The examples were meant to plug in whatever the person needs. Also, when I made this video my utilities were included in my rent, much like a college student. That’s why. But you didn’t offend me. A lot of people said the same thing. I didn’t think about established adults when I made the video last year. I thought about where I was and the young ppl I wanted to help. I appreciate you taking the time out to write me 😊
There are hundreds of apps and videos on budgeting. This one is my favorite because it's the only one I've easily understood in the first place. The budget sheet is a great idea to follow. Thank you a lot! New subscriber!
OMG, I love #2! I ALWAYS do that!! Hahah it really does work. After I sleep on it and wake up and look at my cart, I don't like the stuff anymore and feel happy I didn't end up spending that money.
the most worthwhile video I have seen on youtube ever. I am always broke. I feel bad for the months i havent taken too much notice of my improtu spending but things are going to change now! thanks alot
This paper calculated method of yours is really genius and I'm going to implement it by next month cause your having a preview on the expenses and cut down less important stuff before actually buying them and not finding yourself broke
With dedication and consistency, I worked my ass off for 8 months investing 40% of my pay into stocks and ETFs in a bid to get back my life. I want to be rich, both in time and wealth. I am at 50% of my $15k goal working with an executive trade expert.You can use something else but it takes a clear vision and dedication. I should buy my dream home by the year end. Cheers 🥂
@@hyattjoshua5676 What matters is the CONSISTENT return on your money in both an upward and downward market. A 3 year old could make money in a market going up. 3 weeks? Try 3 years then back to us. $800 is what many of us go up and down with in a few minutes. Its meaningless.
I am very pleased with results though the market lately is running havoc. stay safe every one and happy pip hunting. Conclusion: great broker Just withdrew yesterday for the first time working and joining his team. A friend introduced me to Mr Bruke, superb service with little commission. I stick with the majors and the best. ideal spread and fast execution, swift support and payment. Recommended!
Very helpful I just started today setting a budget for myself. My budget for me to spend on myself is $50 a week and the rest will be for bills and to save. And what I have left over out of the $50 I'll put in my savings along with what is left over after bills are paid.
Thanks so much! This video was super helpful and unique. A lot of your tips I've never heard or it came across before. I love the fact that you actually broke down and showed how you physically do your budget. Great job girl and that's for the vid! God bless! 😘
New subbie! Where where you when I was in my 20's. I'm now in my 30's and I've learned all of this by experience. I would have rather not experienced this first hand, if you know what I mean.
It depends on what you want. For me, when my hair is done, I feel better about myself. I like to look good. It makes me feel good. Now that was just a general figure, I don't spend that much money on hair each month. I haven't gotten my hair done or bought hair in months! BUT I think this video just teaches you tips on how to manage what you have. How you spend your money and what you spend it on is up to the person.
this was actually really useful! im trying to get myself prepared for when i move out of my parents house and just in general its always good to know where your money goes and how to save it to live a more fuss free life
Very sound advice in showing how to plan your spending with a budget and keeping track of all your spending by month is great. What is not so great is paying only the credit card minimums as carrying over a balance on high interest while spending money on non-essentials (i.e. clothing, make-up, etc..) is a recipe for debt. If you're shopping with your credit card on the regular but not paying it off is essentially living beyond your means. At least you showed how mapping out where your money is going so that if necessary you can cut spending in one area to apply to another. At least you are tracking your money which puts you ahead of many as you know exactly where your money is going.
Yes same I am in college and this is my life story. This is my first time also having a job and living on my own so I didn't know how to act when I got my paycheck but now I am learning. I try not to look at what other people got and just where what I have in my closet because having money to buy food is better cause you can't eat your clothing
I’m really bad about spending money tbh.. the second I get paid I blow it all off. I just recently turned 18 and I want to start developing good habits now before I start to get into the real world. Thanks for the tips ☺️🙏 They helped a lot!
Love these tips. Especially the one about putting things in the cart and then not buying it. I've been doing that unintentionally on Amazon for like a month and haven't bought anything. Spending in stores is so much easier because of the instant gratification so I'm going to start just taking only the amount of money that I planned to spend in a particular store in the store with me and leave my card at home so I don't overspend inside the store.
Love your videos but this one really reinforced things I already knew but fail at doing at times so thank you very much. I will be keeping up to date with your videos. 👌🏾👌🏾👌🏾
I think also being mindful of your habits when planning for your pay check. Like realistically, I end up buying a $13 salad, maybe having a beer, and stopping by a cafe a couple times a week... so a food budget is helpful!
I agree about Paying Bills First. I pay at around Two Weeks in advance and I remember "when" they are due. I also ask for Five Dollar Bills when I get change. I also have a Piggybank and One Year I saved $400.00 in Coins and I was able to use it for Xmas Shopping. When I get Paid on Friday I take my Tablet and pay My Bills Online and get a confirmation Number that I write on The Bill to prove that it was paid. Another thing that is good is a Transaction Register Book that you could get at Staples. That's My Money Bible because I know exactly where the Money is. I don't Smoke & Drink which helps alot in terms of saving. I Brown Bag My Lunch and on Friday I treat myself. I've cut down on Magazines, CD's, and DVD's which has helped alot. Even when I am at a Restaurant I always pay in Cash.
Thank you - great tips! My questions are kind of silly, but I feel like many folks in my boat (struggling but are at the point of knowing & wanting to change) struggle with the questions I'm going to ask: (1) When in the month do you do your budgeting? (2) How do you remember & motivate yourself to actually do the budget at the correct time? (3) What do you do if you are in a store/out with friends, and there is social pressure/influence to spend more than you intended? As in, how do you snap yourself back to your own financial reality, and not spend that $? Thanks ahead of time!! :)
I’m a college student with a new job and no idea how to save. I’ve been spending every paycheck so quickly to where I have nothing left before I even et my next paycheck! This helps SO much. Thank you thank you thank you for this invredible vifeo.
I really should have said save first, then bills, then everything else. If you save SOMETHING every check, you will never go broke. Been doing it since I left NY and I have more money in my savings I ever had making way less then I had in the past because I saved first.
A wonderful app I discovered to help with my budget is Prism. Absolute lifesaver! I can link all bills to it and my bank account. So on pay day I can click on the bill and BAM it's paid! It shows what you start with at the beginning of the month and what you should have at the end....which I never do but it puts it in perspective.
Wow it was lovely. Learnt some new tips here and there. On tithe(10% of once income given to a House of God) I understand not all are Christians but I wish to share that on tithe it has to come from conviction and understanding why one should tithe. When i learnt about tithing I understood and have done so for close to 9 years now. Its a blessing never lacked. I suppose I calculate my income automatically after tithe. But thanks I loved the video.
Thank you so much, that means a lot. I just posted a video all about credit. Also, if you have any other videos you would like to see please let me know.
I always love coming back to this video, specially when i need it the most. Thank u sooo much for these tips Brittanyyy!!!
That means so much to me!
Krystal Beauty same!!
Krystal Beauty thanks that's really helpful!please do subscribe to my channel and let's stay connected
@@MrsBrittanyGold thank you SM Brittany lyl xx
Krystal Beauty me too this video helped me to start my first budget ever . I am able to save drastically each month because of this video.
tip if you leave stuff in your cart online for two days or more, most retailers will send you a discount code via email
Really?!? Thanks for the tip! I had no idea!
yea it usually works for me ! - retailers like asos, american eagle, urban outfitters do it occasionally
MrEntourage101 this is soooo true. I couldn't understand why I was getting all these emails for discounts.
Also, if you don't order from somewhere in 3 or 4 months they'll send you a promo or discount code
This also works in a similar way with amazon. You leave the not so urgent stuff in the cart and when they drop the price you can see it easier when you look in your cart.
Omg I do the same thing-- fake online window shopping! I put everything in the cart then I wait to complete later. Usually I never go back! Trick of the mind. I thought I was the only one that does that lol.
Elizabeth L it works every time! 😊
I do this too!! I go in a store (I call it window shopping) and write down or take pictures of something I want... I go back later and purchase it but some stuff I never go back for at all ... just like online 😂
Me too 😂😂😂
Me too😃😄
It really workkkksssss
ive seen several videos on how to budget and honestly yours was the best...its not complicated. its not expensive...doesnt require a fancy journal with stickers and colorful sticky note..just a simple sheet of paper and a pen.
Thank you for your kind words. Comments like this keep me going. I'm happy to help.
Alma Vasquez Its the first time I have watched one of her videos and I could not agree more. Such an honest video, absolutely loved it!
I pay tithing first God always bless me when I do
Make sure when you tith that you also save your money for yourself. It's wonderful to give but if you have nothing left over to take care of you that's not the best place to be in. You can't pour out of an empty cup. Not saying not to, just make sure you're saving too.
Brittany Daniel of course :-)
Beautiful_N Flawless Yea it honouring God who blessed you in the first place ... I %100 believe in tithing
Same
Tithing is where your blessings come from. God blessed you with the job to have your income. You are not donating when you tithe, that is what you owe God. Malachi 3: 7-10 God says, pay your tithes and He will pour out blessings where you will not have enough room to recieve them. 10% off of any increase you recieve (gross not net). Pay your tithes, savings then bills and watch God work!!! Believe me i truly know. All it takes is for you to fall ill and not be able to work. God will supply.
Another tip would be to budget your alloted amount of money you would spend minimally for your expenses per month EVERY MONTH.. and whatever you don't spend just put it into your savings account. And to use up products before you purchase more.
That's great advice! Thanks for sharing.
Taira Angelica Cangro I do this and by the next check anything that's free in my checking goes straight to savings .
great tip!!!!
Yes, great tip. I started sinking funds, which are free savings accounts online for different things. If u do a zero based budget and make sure every dollar gets a job then we will have money on autopilot going into savings accounts thru schedule transfers going in to these expenses like bills. So, if the money isn't spent it will have it's on bucket so when u do need it it will be there. U can choose to put it savings at some point to but we need to zero out our budget before each month begins to prevent pit falls of over/unwise spending. Just speaking from experience.
This is what I do. Really helps
man i'm 12 yrs old an now i know for the rest of my life. i really hope this helps me in the future. currently im saving money on a shopping spree; but i'm using ur tip for when i save instead of using all of it, im only gonna use 10 percent. ugh man thanks for this video gurl
holy she gave me a heart AHHHH
napré wow 12 I wasn't even thinking like this! You're bomb! If you start good habits now like saving and budgeting and then when you become an adult and keep your credit good, you will be a millionaire. Good luck and yes, save your money. I would spend it on experience more than things honestly because when you become my age, you won't care about anything you buy with that money now. But if you save it and invest it, you can triple that amount and more! Keep me posted!
yay you replied! okay so basically that was my christmas money, and i bought a few things with a gift card to my favorite clothing store, and a few other things. i originally had around 160 dollars, an i still have around 120 - 140 dollars. i've been all around trying to find videos like this btw, u saved my life. also i can spell way better than this, just too lazy since i'm on break, and i only go back on the 8th of january.
napré we the fact that you're even thing about things is great! You will be fine, just keep saving and putting more money to the side than the money you spend. That's the goal. Always save more than you spend
Honestly, that's what I really want to do. When I'm older, I want to live in a good environment, but that means I need to spend for money, therefor I am going to put more money to the side right now so when I'm older I'll have more options, like maybe to buy a house, or a new car, etc. These tips helped me sooo much.
@@iixemmaxii7523 Good luck! I'm 16 and planning for the future too. Gotta save as much money as I can 😂
so i came across this video(need tips on saving money) and you gave me some good tips, so i decided to pull out my notebook and write everything down it was at this moment i realize how much money i spend a MONTH at starbucks. i am in shocked.I drink starbucks EVERY morning on my way to work and i spend 5.75*7*4=160 a month.i think its safe to say i will cut out starbucks or cut back. thanks for the tips......
I'm so happy I helped you! One thing I started doing is making Starbucks a treat when I travel only. I got a Keurig (less than your one month at Bucks lol) and the REFILLABLE K-cup. I buy the coffee grounds which are so much cheaper and I make my coffee at home and save so much money in the long run that way.
Brittany Daniel yes that's the plan start making my own coffee at home and maybe do Starbucks a couple times a month or just on the weekends. I'm 29 years old and you would think I would have this down but you have opened my eyes. Shared and sub to your channel. Thanks doll
Thanks so much! That means a lot to me and girl I'm 28 and I'm still figuring things out. One step at a time. We still have plenty of time to learn and work things out. That's what our 20s are for! Good luck and keep me posted on your progress. I plan to make an updated one in a few months, things I'm learning and that have changed.
Brittany Daniel please do!!!!! And I most definitely will
Loooort, get the Starbucks rewards app on your phone then. You could have gotten free stuff with all that money you're spending there already.
Great video Brittany, you remind me of myself,at your age ... but I was married with 2 children studying towards a degree in fashion design.... but had to manage with the my husbands,income ...he was excellent in managing money. Only started to work at age 31...so I had to account for every penny ...i use to write down all my spending , even if it was just an iceream. I am proud to say 40 years later, both my children are married with degrees and great careers ...I am retired and am grandmother to 5 young ladies . All the hard work has paid off ..so keep up with your great work..I only wish there was you tube in those days..to help and advise me...thank you ...you really are an inspiration ...enjoy
Thank you for your kind words!!! I really appreciate it!
Sephora is a beast. I agree with the pay your bills first tip. I used to have a lot of credit card debt and this approach combined with some simple annual goal-setting got me out of debt.
Go girl!!!
Her: " sorry for the noise , i live in ny, welcome to my chanel"
Me: pause, subcribe, play.
Elmahdy Fatima same!!!!
Exactly 💯
Same !!! Lmao
Pay yourself first (investments) > pay your bills > pay your funds (emergency, retirement) > fun money
Girl your video is the bomb. Why? Well you just taught me how to budget for the things that I want and need by planning ahead. Keep up the good work!!!
Thank you very much! Let me know if there are any videos you would like to see on my channel.
I second that. I've made so many notes already and I'm not even done
When she said "dont spend it all on a bag" I thought she meant weed and I was like "Damn she knows me" lol
Lmao me too 😂
Priorities and satisfaction. Spend it!
Hahaha same applies😂
🤣🤣🤣,I just died and came back
Your skin loooks soooo glowwwwy love it and great tips brit !
Thanks girl!!! I posted another vlog!
Okay boo I'll check it out
With the money that you're saving, do you not put any of it into a 401k or any type of investment?
agree!!!
Brittany, what great reminders. These are things my mother taught me when I was a teen living at home. Watching you, I can remember mom and I sitting at the kitchen table and her telling me these things. You're smart to be young and following these tips. ~Smile!
Pay more than the minimum on credit cards !
Write out all your bills !
Don’t buy cheap jewelry and things you’ll only wear once.
I agree with the jewelry . I would also buy fake earrings , lose them, and breakout . Now I invested in white gold and rose gold earrings and haven't had to replace them , I use an extra backing for my earrings so I don't lose them and I don't breakout at all.
Hi Brittany. I’m totally new when it comes to Budgeting. Never done it before and don’t know where to even start ☺️. But I’m now really needing to do this because we are currently NOT saving anything at all and that’s not good. We are a family of 4. Mom, dad son and daughter. Happy family. I’m a housewife and my husband works very hard. Being a mom and a wife , I need to get my act together so that I could start to save some saving, those saving can put toward home improvement, vacation, better car, or whatever..... after watching your video. I finally got it. I will keep you posted to see how much I can save at the end of every month. We really need to do this budgeting long ago instead of wasting our money for dinner, vacation, movie, tons of shopping. Thank you again Brittany. Bye
I have so many more budgeting and money videos coming soon, please come back for more!
In Islam we say: No charity shall ever decrease wealth, and Allah will only increase the honor of a servant who pardons, and he who is humble for Allah's sake, then Allah will elevate his grade.
Amen, I like that. You're right. In the Christian church their is a lot of poverty. People give and mismanage their money and or don't save it. OR we are not taught to save correctly. I definitely believe in giving 100% but you won't be rewarded IF that giving is done with a heart of regret. If you give what you can't afford then you won't feel good about giving and in return not be blessed because it didn't come from a loving place. That was what I meant by that.
girl i give with my time. im broke as hell amd cant afford freakin conditioner let alone give money away but i have volunteered over 2000 hours over my 21 years. give what you can with a full heart
why is the only acceptable charity money tho.
HerHighnesss88 subhanallah 🙌🏾🙏🏾 This is TRUE. And when you don't do your part in zakat (charity), charity will come from you ANYWAY..... Ever lose money? 😩😂😂 exactly 🤷🏾♀️
Pardon
that’s actually not true. Gold, silver, food and livestock are all accepted. It’s just that giving money is easier.
It's so true....do not compare yourself to others because we really do not know what's really going on. My friend's daughter and boyfriend saved for 7 years, married and bought a house. They were very sensible about how they used their money. Their friends just blew money on clothes and hundreds of nights out. They married, struggled, rented, and some were jealous and angry about the couple and even called them snobs. They weren't snobs, they were clever.
This is an AMAZING video! Gas is definitely a ‘bill’ for me cuz I depend on my car to get me to & from work! I already literally write down all of spending & where I spend at! My mom calls me “cheap” but hey, that’s why I have a handle on my money! 💁🏾💕 I just put it all in my agenda! Never did the monthly plan because my cheques fluctuate since I’m still hourly!
OMG this is the first video I've ever seen that broke down budgeting in a simple manner. Thank you so much.
Glad it was helpful!
This is seriously a great video. I have a daughter who will be starting 9th grade soon. I am going to share this video with her. I feel it is a very helpful video especially for young people. It was simply put and physically writing it out was a great exercise. I wish someone sat down with me when I was younger and showed me the ropes with finances. I really like the fact that your videos are geared toward college age viewers. Sometimes its easier to receive advice from your contemporary, as oppose to someone older (the tone is more like, "Girl, let me help you" instead of "You should be doing this..."). Keep up the good work. These videos can produce a greater return than you can ever imagine (and I am not just talking money).
Thank you so much for your kind words! I really appreciate that. This is my passion, my mission, exactly what I want is to help young people become better, more responsible adults. Thank you for your words of encouragement.
Honestly, online window shopping is such a great way to save money!
I do it all the time!
4:48 I need to work in the place where the check is $3,000.
Oh you will. You just have to believe you can and set up some goals to make that happen.
Come to Supervalu Warehouse Harrisburg Pennsylvania i make 5000 a month i have 3 years on the company but my problem is that i dont save im not organize.
I just started my internship job about 6 months ago there are times i go broke within 2 days from getting my salary. Thank you so much i needed this
As a student I don't have any income, but i have to save money, as i'm alr in a lot of debt. The way of planning possible expenses for each month is super helpful
thank you so much for your video! its made my life so much easier :)
Also, go Christmas sopping in August. There are lots of sales, you can still use coupons and the retailers haven't marked everything up. Start a Christmas account, put money away all year maybe even some tax money, till August, go shopping and its over. No Christmas shopping on credit needed. Glad you are showing budgeting. I found that if a person defines their financial goals, they will think of them more often than they think and they will find ways to achieve the goal faster. Great video!
Don't doubt yourself baby girl. The video had mad information. Thanks for the advice. I added to my existing budgeting list. Every bit of information helps. Keep up the good work.
so far i have been doing all your saving tips before watching your video... I online window shop almost every day. It feeds my desire to shop.
I split my wages in two separate accounts , one for bills the other for me
Great idea! I just started using putting my money in different accounts. I think I need to do an update video on this topic, I've learned a lot and doing things that are helping me save more money.
Yes make an updated one please!
u need 2 more. another for savings and another for emergency
Very smart
Two different banks ?
Wow I wish I could save $800 a month. My ass wouldn't be so stressed. ☹️🙄
Believe you can and you will. I know that sounds corney but the first step to making more money is believing you can do it.
hahahah! PREACH!
You are fucked. Her comment had nothing to do with men.
Nicole Cater consider a side hustle
I don't even get $800 a month!
I laughed at the last part where u went over budget and shopping went from $500 down to $75 😆but it really helps to write things down
It really does! lol
Yes that was a hilarious moment. Kinda sad too
Thank you for breaking down the budget it help me work on my own. Keep up the positive work!
You are soo pretty girl!! Kind of remind me of Brandy! #workit #flawless :)
Thank you so much!!!
I am SO glad that I found your channel! You have the most informative content in a simple approach that anybody can follow. I swear I'm watching the video and you remind me of a very wise friend that's humble enough to share her knowledge!!! Blessings Sis!
Why only pay minimums on the credit cards and accure more debt with the interest on it, if you have so much income to play with?
I agree 100%. It's smarter to pay everything off 100% or way more than the minium BUT the reality is most people don't so I was giving a more realistic example but you're right.
I know. I hate debt and the interest. :). We never had any debt besides the mortgage, and I can't wait to get rid of that, but it will take years and years :(. We use credit cards to get the rewards and pay them off as soon as the bills come. :)
My frugal life and spend $500 on clothes lol
This is teh wrong way to live, please read the book Rich dad poor dad by Robert Kiyosaki.
With the way you're living you accumulating debt (house by mortgage) thinking it's an asset.
I have read the book. How am I accumulating debt this way? I never said how much debt the EXAMPLE had, nor did I give the balances of the EXAMPLE credit cards. I am giving people a realistic budget, not the most perfect one. It is up the individual to tailor their budget to their life style. But thank you for the comment. Most people have debt and don't pay on it at all. This way, it gives them a starting point.
Just a tip though. I do my budget by separating liabilities & assets, expenses & income. It really works!! U did an amazing job sweets!
,such a beautiful and smart young lady, yOu are a inspiration very wise beyond your years may God continue to bless you, and all your ways ✌
Thank you so much.
Just watched both videos about what you should and shouldn't splurge your money on and I learned ALOT. This video also motivated me to try out your budgeting tips/examples.. I found this video just in time because college is about to start, I have a little job now!
I'm so happy they helped you! I want to do a college series. Is there anything you would like to see or know before going to school? Also, your college years are about to be your best! I'm so happy for you! Good luck with everything and please keep me posted! Also, if you do have any suggestions, I will see them faster if you DM me on IG. Sometimes it's hard to find/see comments if I have a bunch on top of them.
Theoretically, one could take that extra $1K+ and pay off the credit cards bills. The credit cards do not necessarily have to always be there.
Things that I learned and doing :Minimalism(still trying), budget and planning , save most of my income , healthy choices, self care( i do my hair , makeup, nails by myself) and being cautious about my spendings ..
“Thanks for saying according to your religious background” it really gives even perspective on things :) means a lot
Wow !! I can't believe how easy and simple you just made this look!!! I have been searching how to a budget and this has been the best best so how to budget! Thank you so much for doing this.
No problem. I'm happy you enjoyed it!
Liked your video. Quote to live by: "Better to look broke and have money, than to look fabulous and be broke." Proverbs 12:9 "Better to be a nobody and yet have a servant than pretend to be somebody and have no food." Proverbs 13:7 "One person pretends to be rich yet has nothing; another pretends to be poor, yet has great wealth."
I do have a few sort of negative comments (sorry). Your budget plan lacked:
1. electric bill, water/sewage bill, car maintenance (may only need repair once a year, but must be planned for monthly), household items (soaps, laundry bath and dish; etc.) home improvement (yes, renters do this too because they want their place to feel like Their home); lawn maintenance (renters may buy plants and balcony items), gifts (holidays birthdays weddings, etc.) vacations, entertainment, my office required me to pay for going-away gifts and group bonding stuff-said it's optional but not really, and dry cleaning.
2. It would improve your ability to help us if you worked with clients on their budgets. Your tips would take on the patterns you'd spot as you viewed where people get stuck in 'sand pits'. For example; one fellow noticed that his clients had a lot of junk (this lead to storage and clutter issues). He told people, "Stop buying ugly stuff." This helped with storage issues as they no longer had to 'hide' the items. Saved a lot of money because people do buy items that they later on don't use- because it was ugly to begin with (bought in a 'utilitarian' mood).
Please don't be offended. I like and appreciate your video and advise. You have a gift for helping people and I hope my suggestions will make your advise even better.
swcomer thank you so much and I understand where you’re coming from. This budget plan was for beginners and I just gave small examples just to show how it’s done for someone who has no idea where to start. The examples were meant to plug in whatever the person needs. Also, when I made this video my utilities were included in my rent, much like a college student. That’s why. But you didn’t offend me. A lot of people said the same thing. I didn’t think about established adults when I made the video last year. I thought about where I was and the young ppl I wanted to help. I appreciate you taking the time out to write me 😊
You're the best.
I like the advice about how not to be jealous of other people regarding how they dress. That was golden.
i love these tips. I agree with paying everything first, to make sure you don't get into trouble! :)
There are hundreds of apps and videos on budgeting. This one is my favorite because it's the only one I've easily understood in the first place. The budget sheet is a great idea to follow. Thank you a lot! New subscriber!
OMG, I love #2! I ALWAYS do that!! Hahah it really does work. After I sleep on it and wake up and look at my cart, I don't like the stuff anymore and feel happy I didn't end up spending that money.
the most worthwhile video I have seen on youtube ever. I am always broke. I feel bad for the months i havent taken too much notice of my improtu spending but things are going to change now! thanks alot
Love hearing other young women preach fiscal responsibility!!
Great video 🖤🖤
This paper calculated method of yours is really genius and I'm going to implement it by next month cause your having a preview on the expenses and cut down less important stuff before actually buying them and not finding yourself broke
With dedication and consistency, I worked my ass off for 8 months investing 40% of my pay into stocks and ETFs in a bid to get back my life. I want to be rich, both in time and wealth. I am at 50% of my $15k goal working with an executive trade expert.You can use something else but it takes a clear vision and dedication. I should buy my dream home by the year end. Cheers 🥂
Thanks 😊, this just made me feel a lot better regarding growing my money and investing I will like to know how I can talk to someone
@@arielivanna2095 thanks dear, I have made $800 profit the last 3 weeks trading. Appreciate your guide
@@hyattjoshua5676 What matters is the CONSISTENT return on your money in both an upward and downward market. A 3 year old could make money in a market going up. 3 weeks? Try 3 years then back to us. $800 is what many of us go up and down with in a few minutes. Its meaningless.
I am very pleased with results though the market lately is running havoc. stay safe every one and happy pip hunting. Conclusion: great broker Just withdrew yesterday for the first time working and joining his team. A friend introduced me to Mr Bruke, superb service with little commission. I stick with the majors and the best. ideal spread and fast execution, swift support and payment. Recommended!
You took the words out of my mouth, Girl! :)
Very helpful I just started today setting a budget for myself. My budget for me to spend on myself is $50 a week and the rest will be for bills and to save. And what I have left over out of the $50 I'll put in my savings along with what is left over after bills are paid.
Thanks so much! This video was super helpful and unique. A lot of your tips I've never heard or it came across before. I love the fact that you actually broke down and showed how you physically do your budget. Great job girl and that's for the vid! God bless! 😘
I love her hand writing. This was sooo helpful and much needed. Thanks for inspiring me
This was very good. Glad to see you getting this concept as a young woman.
Late night cruising and passed this video. Thanks for the tips. You got a new subir.
Thanks so much! Please check out my other videos and let me know what you think and would like to see on my channel!
New subbie! Where where you when I was in my 20's. I'm now in my 30's and I've learned all of this by experience.
I would have rather not experienced this first hand, if you know what I mean.
Thanks for you support lol I really appreciate it!
This video is so much more helpful than others; they just talk in circles and just reappear what they just said
LOL I'm so happy I was able to help and explain it better for you.
Found 2 years later and more than a hundred saving and budget tips vid, this is the best
Thank you.
Girl WELL DONE I can't tell u enough How awesome u are and sooo very organized WOW proud of you!!!
Wow....$300 on hair???? So happy I have locs which I've maintained for 15 years. When I calculate the savings I hug myself. 🤗
Girl!!! If you do get your hair done on the regular, like weave and install, it's a whole bill! lol
Brittany Daniel is it worth it?
It depends on what you want. For me, when my hair is done, I feel better about myself. I like to look good. It makes me feel good. Now that was just a general figure, I don't spend that much money on hair each month. I haven't gotten my hair done or bought hair in months! BUT I think this video just teaches you tips on how to manage what you have. How you spend your money and what you spend it on is up to the person.
MsRefined1 i have locs as well and i buy wigs to switch up.
Definitely a discretionary cost that can be put towards saving... Doing my own hair/nails/ eyebrows have allowed me to save too much!
I have watched a lot of budgeting videos and this is the only one that I understand. Thank you. Love your videos. I am now a subscriber.
I really like how you separate bills from expenses. When I buy something I ask myself if it is a want or a need.
this was actually really useful! im trying to get myself prepared for when i move out of my parents house and just in general its always good to know where your money goes and how to save it to live a more fuss free life
Your makeup looks really good sis! 😍 Great video! I definitely learned something and will recommend it to others! 👍🏾
Thank you so much!
Very sound advice in showing how to plan your spending with a budget and keeping track of all your spending by month is great. What is not so great is paying only the credit card minimums as carrying over a balance on high interest while spending money on non-essentials (i.e. clothing, make-up, etc..) is a recipe for debt. If you're shopping with your credit card on the regular but not paying it off is essentially living beyond your means. At least you showed how mapping out where your money is going so that if necessary you can cut spending in one area to apply to another. At least you are tracking your money which puts you ahead of many as you know exactly where your money is going.
Good stuff Brittany! These are some really good money tips.
I love that window shop tip. It's so true, I end up usually removing them from my cart later once the impulse wears off.
This was so helpful! One of the most informative videos I've watched 👍🏽👍🏽
Thanks so much!
I am a young person who works so I don't have to face bills yet but you have impacted the way I look at money and savings so much.Thank you!
Pay my bills first, and i save 25 weekly and if i can do.more i do.. i budget very well
..thx for sharing 🌸🙋♀️
Yes same I am in college and this is my life story. This is my first time also having a job and living on my own so I didn't know how to act when I got my paycheck but now I am learning. I try not to look at what other people got and just where what I have in my closet because having money to buy food is better cause you can't eat your clothing
Well done! I've learnt a lot from your video. Keep it up!
Thank you so much! It means a lot!
I’m really bad about spending money tbh.. the second I get paid I blow it all off. I just recently turned 18 and I want to start developing good habits now before I start to get into the real world. Thanks for the tips ☺️🙏 They helped a lot!
it helps a lot.. tnx Brittany. no more being broke
lol you're welcome!
Love these tips. Especially the one about putting things in the cart and then not buying it. I've been doing that unintentionally on Amazon for like a month and haven't bought anything. Spending in stores is so much easier because of the instant gratification so I'm going to start just taking only the amount of money that I planned to spend in a particular store in the store with me and leave my card at home so I don't overspend inside the store.
Right! I do this all the time! Thanks for the support.
Budgeting is hard but rewarding in the long run but great video
I still come back to this video 3 years later for a reminder and because I like the way you explain budgeting!
Love your videos but this one really reinforced things I already knew but fail at doing at times so thank you very much. I will be keeping up to date with your videos. 👌🏾👌🏾👌🏾
I think also being mindful of your habits when planning for your pay check. Like realistically, I end up buying a $13 salad, maybe having a beer, and stopping by a cafe a couple times a week... so a food budget is helpful!
Hey, Thank you for the video. I used it to teach my 9th graders about budgeting
That's great! I wish I could do that. I love helping kids.
Your helping so many with your video. Continue to do what you do, and follow your passion. You are an inspiring person.
jeremiah mitchell Thank you very much for your kind words.
Your welcome young lady. look me up on facebook. I love supporting and encouraging others. are check me out on instagram. @humbleingone
I agree about Paying Bills First. I pay at around Two Weeks in advance and I remember "when" they are due. I also ask for Five Dollar Bills when I get change. I also have a Piggybank and One Year I saved $400.00 in Coins and I was able to use it for Xmas Shopping. When I get Paid on Friday I take my Tablet and pay My Bills Online and get a confirmation Number that I write on The Bill to prove that it was paid. Another thing that is good is a Transaction Register Book that you could get at Staples. That's My Money Bible because I know exactly where the Money is. I don't Smoke & Drink which helps alot in terms of saving. I Brown Bag My Lunch and on Friday I treat myself. I've cut down on Magazines, CD's, and DVD's which has helped alot. Even when I am at a Restaurant I always pay in Cash.
Thank you Brittany. I needed to see this. I'm gonna make a budget list now. 😁
I'm so happy it helped!
Brittany Daniel hi
Thank you - great tips! My questions are kind of silly, but I feel like many folks in my boat (struggling but are at the point of knowing & wanting to change) struggle with the questions I'm going to ask: (1) When in the month do you do your budgeting? (2) How do you remember & motivate yourself to actually do the budget at the correct time? (3) What do you do if you are in a store/out with friends, and there is social pressure/influence to spend more than you intended? As in, how do you snap yourself back to your own financial reality, and not spend that $? Thanks ahead of time!! :)
Coming back to this video because I need these tips again
Keep coming back sis! lol
I’m a college student with a new job and no idea how to save. I’ve been spending every paycheck so quickly to where I have nothing left before I even et my next paycheck! This helps SO much. Thank you thank you thank you for this invredible vifeo.
thank you so much... i really enjoyed this video 😀 u seem really intelligent
Thank you very much! That was really sweet.
Brittany Daniel your welcome it feels good to make people happy:-)
I love it! my mom use to say. RENT FIRST! EVERYTHING ELSE AFTER. Thank u. very nice.
I really should have said save first, then bills, then everything else. If you save SOMETHING every check, you will never go broke. Been doing it since I left NY and I have more money in my savings I ever had making way less then I had in the past because I saved first.
Great video! I too keep track of where my money 💰 goes every month! It helps a lot! 😊
It's harder than it looks, but it's easy if you do it everyday or with every transaction. I'm happy it helped!
Late night cruising and passed this video. Thanks for the tips. You got a new subbie.
Thanks so much! I'm happy you enjoyed it.
This was super helpful! Also love the lip color, where's it from?!
Thank you girl! The lip color is Kylie Cosmetics, Pumpkin. I did a review on it as well if you want to check that video out.
A wonderful app I discovered to help with my budget is Prism. Absolute lifesaver! I can link all bills to it and my bank account. So on pay day I can click on the bill and BAM it's paid! It shows what you start with at the beginning of the month and what you should have at the end....which I never do but it puts it in perspective.
Loved this video - so informative!
Thank you very much!
Wow it was lovely. Learnt some new tips here and there. On tithe(10% of once income given to a House of God) I understand not all are Christians but I wish to share that on tithe it has to come from conviction and understanding why one should tithe. When i learnt about tithing I understood and have done so for close to 9 years now. Its a blessing never lacked. I suppose I calculate my income automatically after tithe. But thanks I loved the video.
I am a new Subbie and may I say I really enjoyed this and learned so much, thank you so much
Thank you so much, that means a lot. I just posted a video all about credit. Also, if you have any other videos you would like to see please let me know.
I love it when you say that i should not get jealous with other people.. So true...
omg thank u for this video!! ill be trying this out today
I'm so happy that this helped!
Very helpful! I’m going to implement these strategies tmrw I just started two new jobs! Desperately want to change my bad spending habits