Penny Pinching with KMac
Penny Pinching with KMac
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2025 Breakthrough Plan: Getting Out of Debt & Staying Disciplined
Welcome to 2025! This is my year of transformation, and I’m sharing my step-by-step plan to get out of $21,000 in debt while building structure and discipline in my life. In this video, I’ll walk you through:
✔️ How I’m Creating Structure: From military discipline to using planners and budgets as my personal "managers."
✔️ Building a Budget That Works: Identifying fixed and variable expenses, setting up sinking funds, and overestimating variable costs to avoid surprises.
✔️ Automating My Savings: Why I save $700 per paycheck in a high-yield savings account and how I eliminate the temptation to spend it.
✔️ Lifestyle Changes: Weekly grocery shopping, working out from home, and sticking to routines for better sleep and productivity.
✔️ A Rinse-and-Repeat System: My simple, structured approach to stay on track with my goals and minimize mistakes.
This journey isn’t easy, but with a solid foundation, structure, and commitment, I believe 2025 will be my breakthrough year! Whether you’re looking for debt payoff tips, budgeting hacks, or motivation to improve your life, this video is for you.
Timestamp:
00:00 - 00:18
Introduction: 2025 is the breakthrough year!
00:19 - 00:37
Overview: My plan to get out of debt and improve life.
00:38 - 01:17
Lesson 1: Structure is key-why I need a system.
01:18 - 01:43
Planners & Budgets: My personal and financial managers.
01:44 - 02:10
Step 1: Get organized-track spending and bills.
02:11 - 03:06
Step 2: Daily routines for growth.
03:07 - 04:14
Step 3: Budget smart-plan for expenses and emergencies.
04:15 - 05:14
Step 4: Automate savings-make it effortless.
05:15 - 06:17
Lifestyle Changes: Grocery shopping, workouts, and sleep.
06:18 - 07:18
Recap: Organize, budget, save, and repeat.
07:19 - Outro
Call to Action: Subscribe and join my journey!
👍 Like this video if it helped, 💬 share your tips, and 🔔 subscribe for more cash stuffing content! Let’s achieve our financial goals together!
#lowincomecashenvelopestuffing #cashstuffing2025 #debtfreejourney #cashenvelopesystem #budgeting #2025savingschallenges
Disclaimer: I’m not a financial advisor, trainer, or dietitian. Content shared is based on personal experience for informational purposes. Consult professionals for personalized advice.
Переглядів: 242

Відео

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КОМЕНТАРІ

  • @Chefjunedaboss8340
    @Chefjunedaboss8340 9 годин тому

    Smh 🤦🏽‍♂️

  • @Chefjunedaboss8340
    @Chefjunedaboss8340 9 годин тому

    I’m with you. I just started back mine nothing stopping me this time.😂

  • @antoinesmith689
    @antoinesmith689 16 годин тому

    I’m filling it up every time!!😂😂😂😂

    • @PennyPincherKMac
      @PennyPincherKMac 16 годин тому

      Just make sure you clean your machine once a months to extend the life of it.

  • @DistrictDiaries81
    @DistrictDiaries81 16 годин тому

    This reminds me of Danny Johnson teaching on how we waste products.

  • @BoopnBudgets
    @BoopnBudgets 17 годин тому

    Yup! That’s funny, I just realized that not too long ago! I used to put the whole cup full and then some 😂 I throw the cap in too. Win-Win

    • @PennyPincherKMac
      @PennyPincherKMac 17 годин тому

      @@BoopnBudgets 😂 Since I’ve started budgeting budgeting I’ve found myself going down a rabbit hole of life hacks lol.

  • @thehopefulbudgeter
    @thehopefulbudgeter 17 годин тому

    👏🏽👏🏽👏🏽👏🏽

  • @TheRudyShow5
    @TheRudyShow5 3 дні тому

    🔥 🔥

  • @SaveWithDarrell
    @SaveWithDarrell 4 дні тому

    Hey man .new subscriber here .. awesome video .i do exactly everything you do..i run my life like a business with structure..i hope you reach your 1,000 subs.. im looking forward to more great videos from you ...

    • @PennyPincherKMac
      @PennyPincherKMac 4 дні тому

      @@SaveWithDarrell Thank you for watching! Have you always structured your life like a business?

    • @SaveWithDarrell
      @SaveWithDarrell 4 дні тому

      @PennyPincherKMac not always..I have made a lot of mistakes through my journey but just recently I decided to get my life together financially and to reach my ultimate goal of becoming financially secure..I changed my way of thinking when it comes to money and what's important..I started to run my life like a business with structure..

    • @PennyPincherKMac
      @PennyPincherKMac 4 дні тому

      @ Sounds like we’re on the same journey. I hope to keep you motivated with my transparency and straight to the point content.

    • @SaveWithDarrell
      @SaveWithDarrell 4 дні тому

      @@PennyPincherKMac yes sir..

  • @thehopefulbudgeter
    @thehopefulbudgeter 4 дні тому

    Hiii KMac! I believe in structure too. That’s really how winners do it! 🎉🎉🎉🎉 Happy 2025 to you! Here tuned in.

    • @PennyPincherKMac
      @PennyPincherKMac 4 дні тому

      Thank you so much for watching! Happy 2025 to you too!!

  • @erikaramirez6558
    @erikaramirez6558 7 днів тому

    🫡 cheers to an accomplished 2025 🥂

  • @delblonda
    @delblonda 8 днів тому

    Love love love your video. Thank you so much for this. Definitely what i needed to hear. ❤

  • @Scorp1172
    @Scorp1172 9 днів тому

    I've watched many many videos over the years on debt and your's is so straight forward and makes the most sense simply...❤ Dave Ramsey wants us to pull money out of our butts and pay debts off in unreasonable time... you just say this is what you need to do...

    • @PennyPincherKMac
      @PennyPincherKMac 9 днів тому

      I'm glad it resonates with you! We're all on this journey together.

    • @PennyPincherKMac
      @PennyPincherKMac 9 днів тому

      I had to find something that works for me. $1k emergency savings was cutting it for. I was financially set back on my snowball twice last year. So I had to do something different.

  • @K3ISHAMONE
    @K3ISHAMONE 10 днів тому

    Yasss thanks for sharing👋🏽🫶🏽🫶🏽🫶🏽

  • @kminustwo1704
    @kminustwo1704 10 днів тому

    Happy New Year young fella! Let's make 2025 ours and dominate! Great video!

    • @PennyPincherKMac
      @PennyPincherKMac 10 днів тому

      Happy New Year! Yes sir 🫡 this is the breakthrough year. Thank you for checking out the video.

  • @Creativeworksbyalesia
    @Creativeworksbyalesia 10 днів тому

    Great video! Great plan/goals! I struggle with organization and routine but otherwise I budget and save good. I have thought about online banking but I don’t know much about it - is online as secure as brick and mortar? I bank at a credit union.

    • @PennyPincherKMac
      @PennyPincherKMac 10 днів тому

      I don’t know if either is safer than the other, but I will say that online banks are also FDIC-insured, and they typically don’t have fees because they don’t have the same overhead as brick-and-mortar banks.

  • @toshibella
    @toshibella 11 днів тому

    Your content is 👩🏾‍🍳💋 chef's kiss! Thank you so much for the captions, I absorb knowledge better by listening and reading it. I keep CC on all the time so I was pleasantly surprised you have the "easier on the eyes" font I prefer. You will achieve your goals, the focus is real.

    • @PennyPincherKMac
      @PennyPincherKMac 11 днів тому

      Thank you for watching! I’m also glad I added the captions in. I’ll keep this in mind for some of my future videos.

  • @TheRudyShow5
    @TheRudyShow5 11 днів тому

    Love this video! Great content and great location to record.

    • @PennyPincherKMac
      @PennyPincherKMac 11 днів тому

      Thank you for checking out the video! To be honest, in one of your videos, you mentioned a HYSA, and that flipped a switch in my brain to automate my savings and earn some interest. Thanks again-I’m paying attention. 🫡

  • @spicebudget
    @spicebudget 11 днів тому

    👍🎊

  • @LexJourney1
    @LexJourney1 11 днів тому

    I like the idea of looking at yourself your life and your budget as a business. Peace and discipline is what I want to work on this year. Many blessings to you on your goals this year!

    • @PennyPincherKMac
      @PennyPincherKMac 10 днів тому

      Thank you! It’s worth giving it a try for sure. It takes a lot of the stress off you.

  • @karlar8648
    @karlar8648 11 днів тому

    Great strategy. I myself have decided to track my income. I now cash stuff on the necessities and currently on one "want", vacation. Started in December 2024, and have disciplined myself to NOT touch what is stuffed unless it's an immediate necessity such as gas, food shelter. So far, it's working. I also have a few savings challenges, and the biggest one is 10k. I, too, keep a record of my bills and what goes where.

    • @PennyPincherKMac
      @PennyPincherKMac 10 днів тому

      Sounds like a solid plan you’re going into 2025 with. Gamifying savings is the best way to save money. If everything goes as planned, how much do you plan to have saved by the end of the year?

  • @darlenewilkins3403
    @darlenewilkins3403 11 днів тому

    💯

  • @darlenewilkins3403
    @darlenewilkins3403 11 днів тому

    👍👍👍

  • @darlenewilkins3403
    @darlenewilkins3403 11 днів тому

    💯💯💯

  • @darlenewilkins3403
    @darlenewilkins3403 11 днів тому

    👍

  • @keolumford3547
    @keolumford3547 13 днів тому

    Great video

  • @keolumford3547
    @keolumford3547 13 днів тому

    What is escrow

    • @PennyPincherKMac
      @PennyPincherKMac 13 днів тому

      @@keolumford3547 money you save to pay home ownership fees such as homeowners insurance, PID, property tax etc.

    • @keolumford3547
      @keolumford3547 12 днів тому

      @ can you mortgage a home and have escrow

    • @PennyPincherKMac
      @PennyPincherKMac 12 днів тому

      @@keolumford3547 Yes you can. Your mortgage lender collects a portion of your homeowners insurance, property taxes, and potentially other fees (like PID) as part of your monthly mortgage payment.

    • @keolumford3547
      @keolumford3547 12 днів тому

      @@PennyPincherKMac thank you for the info. I enjoy your videos

    • @PennyPincherKMac
      @PennyPincherKMac 12 днів тому

      @ Thank you for watching

  • @jaimehameha
    @jaimehameha 13 днів тому

    Toyota Corolla. Paid it off early. Best thing not having that car note.

    • @PennyPincherKMac
      @PennyPincherKMac 12 днів тому

      @@jaimehameha Mannn!!! You’re in a good position financially. Congratulations!

  • @Baddiesandbudgets
    @Baddiesandbudgets 16 днів тому

    LOVE this! I'm still a penny pincher. And yes, a housekeeping service is worth every penny!

  • @margobudget
    @margobudget 16 днів тому

    New subbie here. House cleaning is a great idea since you are so busy making mo 💸💸💸💸

  • @Chevy2Tyme
    @Chevy2Tyme 19 днів тому

    "... You don't get upset about it, you don't panic, you just make adjustments." Wise words! 3:14

  • @Chevy2Tyme
    @Chevy2Tyme 19 днів тому

    Watching your videos back to back allows me to see the growth & effort you're putting into your channel easily, & it's awesome! 1:23

    • @PennyPincherKMac
      @PennyPincherKMac 19 днів тому

      @@Chevy2Tyme Wow thank you for watching. You’re support means a lot!

  • @Chevy2Tyme
    @Chevy2Tyme 19 днів тому

    💯 this is a simple yet effective plan! 9:28

  • @dollarbilllife3905
    @dollarbilllife3905 19 днів тому

    New Subbie ❤ I hope you get alot of traffic to your channel in the New Year!

  • @Helenabrooks-xj6rk
    @Helenabrooks-xj6rk 22 дні тому

    Focus is key

  • @Chevy2Tyme
    @Chevy2Tyme 23 дні тому

    I think dating while working at debt is ok. As a woman I support changing for the good. There's plenty of ppl in this world ready to watch someone do bad or fail, so there's got to be ppl on the other side of the coin who'd like a front row seat to seeing positive changes.

    • @PennyPincherKMac
      @PennyPincherKMac 23 дні тому

      @@Chevy2Tyme I agree, but I believe this is a journey I will have to do alone. I have to be the example and show results.

  • @Chevy2Tyme
    @Chevy2Tyme 23 дні тому

    Yep, I have debt & I do have a plan. It's tough but I stay focused by watching/listening to content like this. When I'm out of this, I will shift to investing & just being smarter... having my money work for me & etc.

  • @kjw79
    @kjw79 24 дні тому

    It’s the age old question: Is it worth buying prepared food vs making it myself? Is it worth changing my own oil vs paying the shop to do it? We all have services we value more than money, everyone figures it out. Just be sure your side hustle Time provides more income (eventually) than goes out to the cleaner.

  • @thehopefulbudgeter
    @thehopefulbudgeter 24 дні тому

    🔥🔥🔥🔥🔥🎉🎉

  • @thomgilltcheliconh1830
    @thomgilltcheliconh1830 25 днів тому

    1st time viewer. Loved it. A little confused. Do you have rent/mortgage and utilities? Didn't see them in this video. You must pay them with another check.

    • @PennyPincherKMac
      @PennyPincherKMac 25 днів тому

      @@thomgilltcheliconh1830 Yes I keep my fixed expenses like mortgage, insurance, private. I want to keep my income private.

    • @PennyPincherKMac
      @PennyPincherKMac 25 днів тому

      @@thomgilltcheliconh1830 do you think it would be helpful if I explain how my fixed expenses are paid and what I’m budgeting is what’s left over?