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Hey Karen! ❤😊 I think it's normal to feel overwhelmed from time to time. You're doing great! ❤ I ironically love scratch offs because i can avoid decision paralysis. 😂

Heeeyyyyy Karen! Happy Sunday! ❤😁 Were you able to pay off Dental First?

Hello! You are doing great ❤❤

great video Karen, I get tired or bored with a challenge if it goes too long

Hey Karen! ❤😊 I don't notice if a video is out of order. 😂 I'm just happy to see ya post! 😁

Great savings🤑

Great video ❤

Hey Karen! Awesome video! Don’t be sorry I totally get it, I get board easily too. If it was me I’d call that owl challenge and put that money into the 2024 for your house! 👍🏼🥰💜

Good morning Karen! ❤😊

Hey, quick question - how come your car payment isn't on the debt list? It's totally a debt, my friend! I know, I know, lots of people think car payments are just another bill. But trust me, they're like a ball and chain on your finances, holding you back from living your best financial life. Listen, you can totally score a sweet ride without breaking the bank. When I was digging myself out of debt, I rocked this 17 year old Toyota RAV4. It was no big deal, seriously. Only issue I ever had was flat tires, but hey, that's just part of the car game, old or new. That car payment? It's like flushing money down the toilet every month. Think about it - if you took that $500 you're handing over to the dealership and threw it into investments instead, you'd be rolling in $72K in just 7 years. How sick is that? Oh, and get this - cars are basically money pits on wheels. They lose value faster than ice cream melts on a hot day. Did you know a shiny new car drops 20% in value the second you drive it off the lot? Mind-blowing, right? And don't even get me started on cable. It's like throwing money down the drain. I get that you're busy, but not dealing with it is costing you big time. Why not switch to streaming? It's like $10 instead of $200. That's $190 in your pocket for like 10 minutes of work. Easy peasy! That $200 a month? It's like $2400 bucks a year, just sitting there! You could totally knock out a bunch of your debts with that cash. Or hey, if you're feeling festive, it could fund your entire Christmas party! Here's a little pro tip for ya - you're kinda doing your budget thing backwards. Start with what's coming in, not what's going out. If you focus on what you owe first, you'll never have any cash to play with. And that extra cash? That's your ticket to kicking debt to the curb and building some serious family wealth. Now, let's talk about those plans of yours... Your emergency stash should be your number one priority, hands down. Without it, any little hiccup could send you spiraling back into debt city. Trust me, emergencies are like surprise parties - they're gonna happen whether you're ready or not. Not having an emergency fund? That's an emergency in itself. Oh, and don't forget to set aside some cash for car maintenance. Your wheels need some love too. Home stuff is cool and all, but keep that car purring first. Christmas? Pfft, that should be the least of your worries right now. It's not like it sneaks up on us - it's the same time every year, like clockwork! Getting your money game in order is way more important than a bunch of presents under the tree. I get it, you wanna make the kiddos happy. But here's the deal - years from now, they won't remember what Santa brought them. They'll remember the cool stuff you did together. So why not get creative and make gifts this year? Or do a Secret Santa thing? Or take them on a free adventure, like cruising around to check out Christmas lights or having a festive camping trip. They'll always remember the Christmas when mom was a total boss and crushed her debt for their future. For real, being debt-free is like the ultimate gift you could ever give your family - imagine spoiling them without feeling guilty at all! And hey, I don't know what your retirement situation's looking like, but if you're behind on savings, your kids might end up feeling like they gotta take care of you down the road. Getting your money sorted now is like giving them a gift for the future - they'll look back and be like, "Wow, mom really hustled to make all our lives better!" Look, I'm not trying to rain on your parade here, I'm just keeping it real with you. As a money coach, I can't help but play Sherlock Holmes with budgets. I see the same oopsies over and over, and I just can't keep my mouth shut when I know how awesome things could be. I've been there, drowning in debt, making all the same mistakes you and my other clients are. But now? I'm living that debt-free life, and let me tell you, it's pretty freakin' sweet. Hey, if you want me to keep helping you get your money game on point, just holler! I'm totally here to be your cheerleader and help you crush those financial goals. Let's make that debt-free life happen!

Hello! Great stuffing 💚

Nice cash stuffing 💌

Hey Karen! ❤😊

Great stuffing❤❤❤

Great stuffing! ❤

Great video! ❤

Hey Karen! ❤😊 Do you pay your debts once a month or biweekly? Tangent that you can choose to ignore 😅 : I was doing so biweekly & saving for extra debt payments. However, I decided that my emergency savings is more important right now. So i took what my monthly payment would be, divided it by 12, and added it to my monthly payment amount. Ot adds up to an extra debt payment eventually, just in smaller bites. Don't know if this would be helpful to you during this transition period or something you can switch to until your first full check comes. 😊

Great job on your budget planning! 😊

Hi Karen! I hope your new job is better fit for you!

good luck at your new job

Hey Karen! ❤️ I feel ya on the savings/ having less to put in. Again, hopefully this new position will be better suited for you! I love Amanda! I just started her $2.75/day challenge to add to my emergency funds. 😁

New subbie! Great job and best wishes

Good video, I like the condensing videos.

Great stuffing! ❤

YAY TO NEW JOB!!!! ❤🎉❤🎉❤🎉❤🎉❤🎉❤🎉 Excited to follow this new part of your financial journey!! I hope it's a great change of pace for you. 😁

Hi Karen! Great stuffing! ❤

Here watching 😊❤😊❤

Great video….New subbie❤

Love the long form content too! You did an awesome job (even with a stray F buck 😂)❤😊 I've seen budgeters use CapCut for editing their videos. Haven't used it, but have seen it at the end of a lot of videos lately. 😊 "Can i read palms? No, but it sounds cool." 😂😂😂 I'm over student loans too. 😭 Trying not to get burnt out between paying them & savings. 🥲

Super fun! ❤ Cute!

❤❤💜💜

these are super cute! Great job! and congratss on 100, almost 200 subs now!!

LOVE them Karen! Thank you 💜💜

lol Karen! I’ve gotten the cottages, the back to school, and the essentials! I got them immediately when I saw them, yesterday! They’re all so beautiful! 😻 totally my style! ❤

So cute! Love these!

The color & vintage style of the photos are so beautiful! ❤😮 The medical one is my favorite 😂 Will definitely download!!

Counting is just an overall struggle. 😅❤ Hope your interview went well!!! ❤😊

New subbie!! Returning the love!

Fantastic savings today! A couple mess ups are just fine ❤❤❤ when it comes to the saving. lol. Not so much with the paying

Catching up for this past week ❤❤

Good morning! Watching while I get ready for work. Have a great day 🦊💰🫶🏼

Hiya Karen! Yes I’m exactly the same with shopping my daughter will want to go to a bunch of places by the second one I’m over it lol Good luck with the job!! 🥰💜

Hello! New subbie here😊 Praying everything goes well with your interview 💚

Hi! Many prayers for your interview! Believe that you have received it, and it will be yours. Mark 11:24 🙏

Hey Karen! ❤😊 Fingers crossed & many prayers for your interview/new job! 🤞🏿🙏🏿 I hate shopping. 😂 i go maybe twice a year, but only if I have to. Once i get hungry, I'm no good & ready to leave wherever i am to go eat. 😂😂😂😂😂😂

Hi Karen ❤ Good luck on your interview!! 🤞 Great cash stuffing!!

Albert got a lot this time, great video Karen

Thanks for the shout out and using my challenge😊😊

Thanks for subscribing to my channel. Just subscribed to yours. Great video!!!

Great savings and challenges ❤❤