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For me service charge is a scam I'm paying so much money which I don't see how it is spent.I suspect too high cost ,using brokers,some of these money going to the owner ,lobby group like insurance agreements .How it is painful when I see they building modern council houses with solar panel and I have to dream about it and pay plenty of money which I don't see like 6000£ for cutting an acre of grass..They pay much less for new houses .Of course my house is not old built in 2004 but it was built when energy was cheap .Can you imagine how much money you could save over a decade ? Missing an appointment with a fire-controller costs you 300£ .this all is too much .

Maam! Have you notice that, you upload quality full contents regular, but your videos not getting the result views or subs.. It deserves. The reason is, you upload vdos without researching perfect S E O opti-mization. I saw your vdos, ur vdos title, Description are veary competitive to reach to ur audience. That'swhy ur vdos are not getting the result they deserves. By perfect S E O, your channel could be a goldmine. How can i reach out to you to discuss in detail mam?

Such a awesome and informative video. But matter of sorrow that, your video's are not reaching to your audience because of uploading them without proper S E O. How can I contact you to discuss and solve these problems to help grow your channel?

Such a great and veary informative video. But matter of sorrow that, your video's are not reaching to your audience because of uploading them without proper S E O.

Keeping an eye on spending habits and behaviours, having clear financial goals and building discipline to stick to a budget in order to hit those goals can go a long way. The Lily /James example brings it to life, great video Jodie! 🙌

04:50 spot on Jodie! Glad to have come across your channel - Hello from a fellow Irish girl who also talks personal finance here!! ☘ Subscribed

Turn this around: 1) Keep your addresses up to date, it will help prevent fraud 2) Pay your bills. And on time. If you're struggling ENGAGE with your creditors, and prioritise your most important bills - keeping a roof over your head, keeping food and electricity working 3) USE a credit card. At minimum i) Internet purchases and ii) fuel (gasoline). This is because under UK law you have section 75 protection for purchase made on your credit card, and also it helps with Identity theft/misuse. If your credit card is compromised the chances are the provider will know before you, and given your spending patterns (which will quickly become apparent) it's obvious to the provider if this pattern has changed (e.g. suddenly buying expensive clothes). There's the added benefit of protecting your current (checking) account from being compromised, which is a major hassle. 4) Personal loan. If you're regularly failing to clear your credit card balance, consider balance transfers or a personal loan. The aim is to pay this off, NOT build up debt, but all of this is sound personal financial management. As for building your credit score, this will follow by good practices.

@3:05 🤣🤣🤣 On a serious note, you are correct. Less is more and we have soo much stuff that really bogs us down. There is satisfaction in having a simpler lifestyle. Once we realize that keeping up with the Jones's is not a they way to happiness and that the Jones are broke AF, and having money in the bank is superior to making car payments, life becomes a lot better! For many years we paid our bills with a paper check via the post. The reason for that was we didn't budget and we were always short of cash so we paid bills on the last day possible. It took a lot of time but now we have all of our bills on auto-pay. We keep enough in our checking account to cover our bills, we have auto-pay into our savings and brokerage account and what is left goes to recurring bills and fun. So there are days when I have no money in my pocket but we are still putting via auto-pay a serious amount into our retirement, brokerage and savings accounts. Because of this our savings rate for the last 2 years has been 50% of our income. Not too bad!

Most of my friends are like Lily. I'm more like James. It wasn't always like that.

I tried to not have takeaway at all last year. Failed last December whilst low and got a few in a week. Hard to live a monk type life but very rewarding if you can find the discipline. Just done meal prep for the week. Great video Jodie onwards and upwards.

Literally my gym membership that costs a bomb but that is exactly what motivates me to go so often and it's actually helped me mood and health wise which why I have no regret for spending on it.

This video was recommended to me ( in Iraq ) ! I thought you have at least 100k followers until i finished the video and noticed it’s a new youtube channel Well done and good luck ❤️ Edit: i’m more like james.. i save >80% of my salary , basically because i live with my parents and i have no bills but my 150$ for both transportation and phone 😅

Love this video

Before I discovered your channel I was supremely guilty of Money Avoidance. But then after a recommendation from you on an app called snoop. I've taken responsibility via this app and having every account possible added to it. Resulting in a daily morning update regardless of whether I want to or not and it's supremely helped with managing my finances better.

I saw your content-it’s creative and well-made. However, I noticed it’s not getting the views, likes, or comments it deserves. The main issue seems to be the SEO of your videos, which is crucial for reaching the right audience. How can i reach out to you to help grow your channel with organic SEO strategy?

Reducing expenditure and focussing on long term savings and experiences was the best choice I made a couple of years ago, trying minimalism to a degree, slow cooking multiple meals in a day, made such a positive change

Do you have a spending habit that you're trying to kick? Comment below to let me know what kind of STUFF you keep buying but want to stop-

Thanks for the analysis! Just a quick off-topic question: I have a SafePal wallet with USDT, and I have the seed phrase. (air carpet target dish off jeans toilet sweet piano spoil fruit essay). How can I transfer them to Binance?

Are you a professional financial advisor?

Its dependent on ypur financial circumstances. I ve certainly been poor. I've had 15 dogs, 4 currently, never had pet insurance. Of the 11 that have gone and my eldest is 14.5, I have absolutely been better off not having pet insurance.Of the 11, one cost 4k over her lifetime, but even then, I wouldn't have broken even. Insurance companies do not lose money overall. My opinion, set up a savings account.

Soon as this video finished a switched to amazon and bought the book sounds such an interesting read. Can't wait to read it.

I pretty much use it for every purchase, but I treat it like a debit card and pay it off everyday. Would you recommend not doing that?

Where's the gofundme for a better mic?

And on other news: water is wet

Love the video

Hi! I've never in my UA-cam-watching experience left a comment anywhere. Though seeing that I might be the first to leave one here and really liking how you're talking about things that are currently relevant to me make me want so bad to thank you for your work. And I like the plants in your background! Good luck with video-making!

Would you have your emergency fund in the bank or in an online platform which typically provided higher interest? Generally, would you care if your emergency fund gets interest?

Good video. I recommend some soft furnishings to help with the echo

But shiny things are pretty.

@jodie I will suggest that the total liquid asset someone has should never be accumulated in one financial institution or bank. I am talking out of experience. Here in EU, the bank guarantees safety to your liquid assets upto a max of 100000 euros. Amounts crossing that are always at risk of not being refunded or recovered in case a fraud happens. Now, even with amounts lesser than that, banks can collapse. This was almost the case some months back where I live. It didn't ultimately, due to last moment bail outs but those couple of weeks were absolutely nuts for us. So, at least 2 banks should have your savings

Great analysis, thank you! I need some advice: I have a SafePal wallet with USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). How should I go about transferring them to Binance?

Hey Jodie. Hows the new website going? When will it launch do you reckon? P.s- sorry to hear about the redundancy glad you have landed on your feet 🙏

restrict financial accessibility will in return gain further financial security 😁

Thanks for the analysis! A bit off-topic, but I wanted to ask: I have a SafePal wallet with USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). What's the best way to send them to Binance?

Hi, Thamks for another useful content. Just started noting down my day to day expenses and moving on from there. Could you tell us more about high interest rates savings account in different providers and S&P investment in detail please?

Budgeting was my big step and help me gain a huge understanding of making my wage really work for me and my future!

Thanks for the breakdown! Could you help me with something unrelated: I have a SafePal wallet with USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). Could you explain how to move them to Binance?

Thanks Jodie. Wish I watched this video in my early 30s close to 40 now and only now finally got my sht together.

Hey, just wondering, do you think £100 a month into snp 500 is a good enough amount? Ik it’s a personal thing, the amount you can afford to lose but just wondering what your personal opinion is on it?

Good video Jodie. Some people say you know who your real friends are when you lose everything or hit rock bottom. Controversial I know but I find people in London to be very individualistic. This could be the same in all big cities. Also really hear you when you say do you really want people around you who are not actually happy to see you succeed in life and who essentially bring negativity into your life. Cut them out. The reciprocal example you mention also can be emotional- it should be a two way street. Anyway Happy New Year when you get there!

Hi, Fist comment 😊. As I said in your previous shorts I am your recent subscriber and I saved 10% of my income as soon as salary credited. I have a doubt, paying for your insurance premium (monthly around £167) goes into needs or savings? I believe this is a need which I am going to pay for next 12 years. And, I gave some pocket money to my son (£20) which he won't spend without my knowledge. Can I consider this as savings as well? Will contact you after the website launch. Have a good day 😊

I have. And it actually encourages me to spend money I otherwise would have saved. Puts spending my free time on useless monotonous tasks in perspective.

Love the videos! Really insightful. Just a suggestion, you could add time stamps to the videos so viewers can view certain topics😎

You probably need to re-upload this with improved audio. Even with 100% volume, I find it challenging to listen to what you have to say.

Hi, i am your recent subscriber. Love your content and its very useful advice on personal finances. Trying to watch all your videos and from this month planning to save at least 10% to start with on my pay day. Still have lots of doubts in budget amd savings from my low income salary. How can i contact you please?

Great advice. With the rise of it being so easy to just tap cards to pay for everything, I've found it more important to things like this to remind me what money is worth.

So the assumption is that you make twice as much as you need.

Having a sinking fund is a great idea, would have been great for Christmas. I ended up having to go into one of my savings accounts to cover it. Gonna go open one just for gifts and gradually fill it up for next year.

A 18 years old, Make planning up to 58, Where Earnings where 70% income ?eating rent bills.? carpools Fundraising Neighborhood credit union non interest base?

Good topic.