What I Spend In A Month | 23 years old
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- เผยแพร่เมื่อ 28 พ.ย. 2024
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Graham will have a field day with this if it gets on his radar lol.
You got that right lol
I really hope he does lol
We need to get him to react to this video! Love both of these youtubers
LOL YESSSS
I love videos like this but PLEASE PLEASE PLEASE do not open multiple store credit cards!! That’s such a scam and it’s an easy way to make your credit score drop. You have a young and impressionable audience.
I agree with you! I'm not saying you should have a bunch like I do, I even admitted it can be overwhelming to keep up with them all. However, if you shop at a specific store a lot it can be beneficial to have the store credit card if you spend responsibly!
Not hate towards Gretchen, but its generally not a good idea to finance a car. When you're young and its your first car sometimes you have to but after that its generally a sign that you're living beyond your means. If you do have to finance your car, after you're done paying it off, continue to set aside what your car payment would be and then by the time you need a new car you can pay for it in full!
Financing a car when you young does not always mean you're living beyond your means. A lot of young people can afford it and easily drop a large downpayment and increase their initial payments to get the interest out of the way. All while having the car payed off in 3-5 years (which is nothing if you worked hard and easily have the money)
@@samd8518 totally agree! thats why I said when you're young sometimes you have to.
WOW my car is paid off now but it was only $300 for a 2019 Ford Escape. Very thankful to have a more affordable car but GIRL that bmw is a money pit!
God car payment not wise option
I’ve been waiting for this🥰🥰 Graham be nice to Gretchen ❤️
God knows he won’t be LOL
I just find it wild that this doesn’t even include rent.
This is such dangerous advice to be giving....if you need to borrow money to pay off borrowed money, you should not own a credit card.
I agree that when you have a credit card you should be spending responsibly, however I think it's great to have the option to consolidate your debt if it's gotten overwhelming!
Then how else would you expect someone starting out to build their credit, huh? Most places do not let you pay a credit card with a credit card. However, everyone is not fortunate enough to not live off credit cards. So let people take advice the way they want to.
you should download google photos or put pics on a drive just to be safe and backup in case of anything!! still probably worth the payment but can't hurt to have a backup in case. and you can listen to hits on spotify and get rid of series radio payment if you want. Just suggestions you obvs don't have to do any of that !
Don’t fall for the trap of store credit cards! Most of the time the APR rates are so high and they’re really not worth it after the first purchase. Sure, you get a percentage off for a first purchase that’s why it’s so enticing. But don’t start racking up those credit cards. Don’t open them. It can be hard to close them.. even get them off your credit report. I recommend not opening them. Don’t fall for it. If you have to maybe open up one credit card with a lower APR rate to grow your credit score, but be responsible with it. Don’t open up a bunch. It’s not worth it. You’re not really saving money. You’re still spending money (;
Hey! Love that you shared your experience. No matter anyone’s spending habits, they all need to be talked about more! Thanks for your take.
You’re an inspiration!! The fact that you are where you are & you’re so young is amazing. You go girl!
@@erikaerhardt8136 nope she hasn’t gotten help from her parents since she was 18 🙃
I’m so excited for you to not have a car payment either...that’s a bummer 😂 I spend way too much eating out and on gifts for people too...but it’s my love language lol
love_nyc_ lol we just watch the same people 😂 I can’t possibly watch every video on yt
Shopping at Aldi is even less expensive than TJs!
Yes and if your in New England Market Basket. Plus real groceries not just private label stuff.
i LOVE that you and Max split food costs even going out to eat, that’s what my bf and I do and i think it’s so fair!
you lost me when you said $2600 was reasonable 😅😅😅
That’s more than we spend on rent for hubby me and baby 😳
It reasonably even if your high incomes e but it’s not average income
its honestly not bad i spend a lot too of course with everything i need (like my phone bill) plus she makes a whole lot more than that!
That doesn’t even include rent and utilities 😳 but if she has the money and investing for her future then who cares 🤷🏻♀️
@@Sarahxxxxxxx that’s what gets me, but obviously she’s got a much higher income than me so as long as she’s being smart good for her
All these people mad that you spend $700 a month for an x3...probably dont understand how much it cost. Especially since you financed over 3yrs vs 5, and most likely had a higher interest rate/little credit history. $700 is rather normal for a car that cost roughly 50k. Financing is great for your credit, especially once it’s paid off. Bimmers are a luxury car. This normal lol
And, she bought that used, so it would have been a lot more if it was a new BMW! I didn't think that was that high for 3 years vs. 5. I know how much I paid for my car.
*These types of videos are so interesting because there is so much range in how people spend their money! it's a good way for me to learn!!*
Omg! $2600 is literally what I make in a month as a nurse (after 15% to retirement)!!!!! I have a $200 car payment and a $1200 apartment expense. I live frugally but also have fun and eat out!
What state do you live in? $2600 (even after retirement) seems pretty low for an RN. You should defo be paid more xx
the best Sunday treat is a Gretchen notification
I really enjoyed this video Gretchen!! You should do it again in a few months, maybe during the summer, to see if there is a difference.
this is such a cool video idea! ur content has been great lately ilysm
Aldi is also a great option for those that don't have a Trader Joe's and it may even be a little cheaper! Also, I know I don't make near as much, I can barely spend an extra $100/month on "fun" things without being broke lmao, but don't compare your spending habits to others! She has a financial advisor which is great, but the average person won't be able to afford that. Even if you can only save $20 a month, DO IT! It helps sooo much and since I started small I can now average almost $100/month savings!
can’t wait to watch graham’s reaction to this
Do you consider finding non-profits/organizations to make recurring donations to? $20/mo. can make a BIG difference to 501C3s.
Shop at Aldi! They own trader joes and it's much cheaper than them
I love these types of videos, so interesting to get insight into what other people my age are spending!
Gretchen pro tip for zoom! If you have one guest (only 2 people in the meeting) then you can do unlimited time in the meeting without needing to be pro.
That’s so impressive though that you’ll have your car paid off so quick!! Getting out of debt ASAP is awesome!
I am SO nosy about this kind of stuff lol I love it
I think you are awesome Gretchen for sharing this private part of most people's lives. It was great lesson in honesty! It would be interesting for you to do another in 6 months to see if there are changes. 🐾 ❤ to Brody! And glad for Max and his team!
The no car payment life is the best life!!! Great video. Reflecting on how you spend your cash is always super helpful. Anyone on a get out of debt journey will say that. Food and Shopping get me the most too 😅 creating a set budget does help
Honestly if you put the car payment aside it’s not too bad for monthly expenses
Gretchen you should get Google Photos!! Helps clear a ton of space on your phone!!
With your car payment - you can also lower the APR of the loan. My old boss taught me to negotiate the amount between lenders and my goal was to get my payment under $300 a month and I did just that. Granted it’s $293 but ya know lol I also make extra payments towards it and will have it paid off early
Watching your latest video and I get a notification about a new post!! I’m so excited! What a way to spend this relaxing Sunday 😍🤩💞
If you get google photos you can delete them off your phone for mor storage and they will be on your google account 🤷🏼♀️
Yes! I use this too, so much easier
Wait did i miss… health insurance, phone, electric, internet!!!?!
I think the point of this video was things she doesn't "need" to be spending money on. Obviously groceries and a few other things she mentioned are a need but I think she was focusing on extra expenses.
She said in the beginning that was stuff she left out. She was just going through her credit card bill!
Why didn’t you refinance your car?
This was such a good vid. Love that you're just doing what you're passionate about (and not caring about whats trendy or gets views) and sometimes what youre interested in evolves as you do. Maybe thats just the boring post grad saying that but we love good tips/tricks. Def should do more business content in the future!!
It’s interesting to see how much other people spend for sure - I understand it’s personal, but I think it would be very helpful to hear what percentage of your income goes to spending like this, rent/utilities, and savings. That kind of look at finances would also be applicable to people making more/less money bc with the percentages they could better apply it to their own finances!
We NEED GRAHAM!!
Okay the car payment really got me 😅☠️
I own my own car
@@alexandermauritius3072 good for you. 👍🏼
omg im so nervous to watch bc this could either make me feel really good or bad about myself 😅
Best Sunday notification 💖💖💖💖💖
It so much better to have a shorter car finance term but the most important part it to get 0% apr so you aren’t paying interest
get google photos!!! it saves SO much space and automatically downloads your videos and photos onto that so your camera roll can save up space !!
Wait do you not have rent, cable, wifi, electric or any of that or does max pay that?
she mentioned at the beginning of the video she wouldn’t be including those costs :)
@@kylieschmolitz6949 oh sorry I skipped through that cause I didn’t wanna listen to the sponsorship lol still would be interesting to see
Is Disney plus the only tv subscription you guy's have?
That car payment just killed me 😂
I own my own car
@@love_nyc_ well it not worth financing a car I learned the hard way as well I was spending 125 month on a Kia Rio I totaled it 3 weeks ago I bought I used Kia Optima for 4,500 dollars and now I don’t have to pay a car payment anymore. Lease or buying is wise
Financing things at low interest rates is better because you can make more in your investments if you have your money invested at a high percentage rather than taking it out to pay for things up front ;)
Gretchen I love this video thank you! So cool to hear how you spend money. Do you invest any of your savings or is it just in a savings account? 😻
invest mostly!
While this is a lot of money to spend, it’s not that bad for someone who makes as much as her! I make wayyyy less than her (literally just graduated college) and I spend like $500 on groceries/eating out and $500 on shopping as well so honestly shocked that her spending in some categories is similar to mine while she’s making much more than I
why did you not mention rent ???
I could’ve! I know it’s just so different based on location & Max and I split it so I’m only paying half. I guess this video is more what I’m choosing to spend my money on every month
Yay! So exciting!! New video!🥳🥳
So many good tips! Thanks for sharing Gretchen!
I love these vids!! I find them so interesting, no judgement 🤗
When you buy a car do not finance and pay cash. A credit score shows how great of a person we are on borrowing money. I made the same choices and now in my early 40s I live with what Dave Ramsey says. A great person who doesn't;t like loans or credit cards. Just some advice my opinion but I love your content.
Credit cards are good only if you are someone who pays the bill in full and on time every single month. This way you are not paying any interest on the card and are able to take advantage of rewards that the card offers. For example, I have an amazon prime visa card that earns rewards points on every purchase. My card always gets paid on time and in full every month. By charging instead of using my credit union debit card I am able to use the rewards points for things I want that I wouldn't necessarily be able to afford if I didn't have those points to use.
This is so helpful, clicked so fast!
By the way shoutout Max 4 GAME GOAL STREAK
these vids r so fun also hi ily gretchen
What is the name of the jewelry company she mentioned?
Trying to find out her necklace
I don't even make that much money in a month (full time college student) that you spent but you did have some good advise with looking for credit card deals/discounts/rewards.
That's just a realistic BMW car payment--especially over just 4 years. it is a learning lesson but you obviously you can afford it if you've been making your payments on time. It would be a different story if you couldn't make that payment every month ;) so don't be too hard on yourself. I am surprised that your bmw x-series is giving you problems--a family member of mine has had one for 4 years and no issues. If you want, you could sell your car before you pay it off (its definitely worth over the $2400 you owe) and use that money towards something with less frequent and costly maintenance. Or avoid getting maintenance done at bmw--it's a little different but i get my lexus serviced at toyota for a fraction of the cost.
This would have been a million times better with clips of how the money was spent.
HEYYY! 💌
Thank you for sharing! 🌹♥️
Also do you spend $ on health insurance sorry don’t want to be nosy just trying to compare lifestyles 🤍
shes prob still on her families plan
YOOO LETS GET IT Gretchen with another banger
Wait...that’s with rent?
You can call the car radio company and tell them you can no longer pay the full price and they will give you a deal
Next time definitely go through a car calculator on internet so easy and finance through your credit union over a bank, don't finance at dealership
I was blessed and paid off my X3 in full, but it was always having maintenance issues. It was insane the amount of time that car was in the shop. I recently traded it and got a Lexus RX 350 and Toyota owns Lexus and i haven’t had any issues with it yet at all and it’s been 8 months BUT if I did, I could take it to a Toyota dealership which is significantly cheaper. At least here in South Carolina :) love your videos sweet girl and Brody might need his own TH-cam channel. Just saying...I’d subscribe
P.S. my cousin Ryan Hartman played for the flyers but is now with the wild. Max will get there in no time. Y’all’s work ethic is so inspiring. Never give up :)
I have a 2015 certified pre-owned Lexus RX 350 and the only thing I paid for was new tires and brakes. No issues. Super reliable!
aaah im so excited for this 😊
I don’t even make that much money in a month 😅😅 but go you! Everyone has a different income and a different budget, that’s why I love watching these!
I love these videos, thank you for sharing!
what car insurance company do you use?
What about rent and utilities?
This video makes me realize that I am not excited to grow up and be an adult with adult expenses
Don’t finance over a longer time! You don’t want to be paying on a car that’s old. Pay in full if you can. Avoids all the interest.
google photos is so helpful!!
Love you girl!
Necklace? Where is to from :)
You don’t have any student loans?
You should use Google meets instead of paying for zoom!! I think it’s free and it works so well!
Love your outfit. You are doing great. Thanks for sharing this sweetie.
loved this video! would also love to see more what I eat in a day/week.. oo you should post them on tiktok!!
Please do more money/finance videos!
Gretchen buy a used car
I buy a used Kia Optima 2006
It worth 4,500 dollars I paid for it and great car for transportation
I also spend way too much eating out and gifting gifts to those that I love .. lol it adds up for sure! I love that you didn't finance over a longer period of time because then you would've ended up watching more! Go you Gretchen!
what about hello fresh?
I pay every six months instead of every month when it comes to car insurance then every six is 530 ? But that’s bc I got in a wreck it was 300 before that
I found it so interesting that you don't keep yourself on a preplanned budget! I do and I guess I just assumed everyone else does too lol. I really recommend doing that! you can look at your average income (which i guess will be different with your work but still) and take out hard-line bills like rent and your car payment (ouch lol) and then take out your savings goals so like a roth IRA and long term savings and short term savings and a brokerage account and then break down the rest to budget for groceries, eating out, puppy things etc. that way you arent surprised by what it ads up to!
also i am so sorry about your car payment situation. that is honestly so sad. you were young and so many young people are taken advantage of in situations like that with a crazy car payment or insane APR on a credit card. but now you know for next time! I know you said you wish you'd put more down, but I would really not recommend financing a car ever. cars depreciate like nothing else. the minute you drive of the lot your car is worth less than you paid. so you will never make anywhere close to even on it if you were to try and sell it, so adding on the interest your paying with it financed is just more money you are wasting.
As far as building credit, getting an entry-level credit card with NO FEES with a LOW limit and using 10% or less of the limit and paying it off in full is a good recommendation.
I hope you get it paid off soon and i really appreciate you sharing that. I know it's so hard to be open about money things bc the critiques can be brutal, but you are helping a lot of people that watch your videos by talking about mistakes you've made so thank you!!
Can you do video of your purse collection?
I thought my car payment was expensive at 350 omg. But good for you for being able to pay for it that’s amazing!
Love you Gretchen also what kind of car do you have ?
My car payment is zero. I walk everywhere. Hubby owns his car
me too not own and my bf has car but idk maybe will need in future
@@zyciewusatvbygosia8880 hubby wants me to drive and get license but I actually don’t want to! I like walking
@@erikaerhardt8136 yes its good if you not have far away, i have little far away to everything so to malls he go with me but i walk to some nearby park
@@erikaerhardt8136 i have a bike too but afraid to drive it as that roads here in MA are narrow, i drive it little bit
U shouldn't count ur business expenses in ur monthly budget. I assume you use those for ur taxes.
My jaw dropped when you said ur car payment! Mine is $250 for a lease and it’s about to end in August. I’m trying to get something cheaper.
@coco marineblu actually not really. At lease for me it’s cheaper and I get a new car every 4 years. It’s only stupid if you don’t put enough money down and have bad credit. It’s definitely not something I’d do being 18 or 19 otherwise your rates are gonna be higher. Getting a loan at lease when I look into it ends up being like $500 for a new car. Which seems pretty stupid to me.
@@savannahbrandt44 leases are the most expensive way to drive a car, yes you get a new car every 4 years but you never really own any of them and you're just perpetually in car payments. That's why financially they're not recommended
@@droid2D2C3P0 it also depends on what your payments are and when you get a car. Financially for me when I do the math I would end up loaning a car for 6 years have it finally paid off. By that time you’d end up needing a new car if it’s older. So you finally end up having a car paid off and then have to get a new one. For me it’s way cheaper to lease. Unless you put $10,000 down on a car your payments will still be obviously less. Other wise you have a car for years that beaten down and have to worry about selling that as well. When you lease reoccurring work is paid for most times.
Thank you kindly for $haring! 💌🌹♥️
the amex credit card offers are the best!
Can’t wait to watch graham watch this lol