How To Budget & Save Money | ADULTING 101
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- Опубліковано 23 жов 2017
- Here are all the easy to follow budgeting tips I've learned so far in my 23 years of life. Keep in mind every now in then it's totally cool to dip into your rainy day fund and get the pizza and wine, at the end of the day it's all about finding a happy (or tipsy) balance, you feel?
Mint - spend tracking app
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Honestly I find saving and budgeting the hardest part of being an adult. Great tips girl x
JessBecause same here. It's really difficult.
JessBecause Agreed I could have used a class on this in school more than wood shop.
JessBecause its very hard and wish they had a class in school. But it’s all about sharing the knowledge and spreading love ❤️
Budgeting is sooo important no matter how much money you make. It’s also important to live debt free! I teach people how to do that on my channel. Thanks for sharing!
Marriage & Motherhood I love your videos!
Marriage & Motherhood Yes!!!! Love your channel #momgoals
Thank you 😚
Omg totally for the great energy gonna sub and check you out dear
I guess im asking the wrong place but does anybody know a way to get back into an instagram account??
I was stupid forgot the account password. I would appreciate any help you can offer me!
This definitely comes from a place of luxury. My rent and groceries alone is more than 50% of what I make in a month. Just do your best, and be super aware of superfluous spending and that's all some people can do
Another tip for the essentials portion: don't have more than you can afford. Don't get a new car if you can only afford a used for now. Or a 2 bedroom apartment if you really only need one bedroom. It will help get you on track or out of debt if you downsize to what you really need.
I swear you get prettier everyday
Tayla Maybon stg
No joke yes
I was thinking the same freaking thing
Tayla Maybon yessss
I used to go to Starbucks all of the time too, and when I realized how much money I was spending a week on my coffee, I knew I had to stop. Great video!
Yes! It adds up so fast. I still go occasionally (about 2x a month as) a treat because I love a good coffee and at home I stock up on extracts (almond, raspberry, etc) and got a small milk foamer so I can make my daily coffee a little more special.
Me and fast food 😩😩😩
adulting is so hard.. thanks for making it easier 😚
I just love the aesthetic of Youtober 🖤☕️🖤
me too x
your adulting 101 videos are all i need thank you thank you thank you
It definitely helps to have the cash actually on hand! My boyfriend gave me a tip to set a limit for your spending and get that amount out in cash..then when your next pay day or the next month comes around if you still have 60 dollars of your limit left, and your limit is 150, only get out 90 dollars because you'll still have 150 for your limit.
I'm so used to having a new video every day now, I'll miss that in November! :) but you deserve to get some rest after all this! thanks for the awesome content :)
I love videos about money and budgeting! Only thing is I do prefer to use my debit card so that whenever ppl ask me for money (which is usually quite often), I can just politely say "I don't carry cash on me."
I have to pay like 98% from my monthly income on life essentials haha
your videos are awesome as always :-)
Katrin H me too
ikr, my rent alone is over 50% :(
Same
Don't just save, INVEST! put whatever money you are saving (or even just 50% of it) in a 401K or a mutual fund to maximize your money! most banks offer them and you cant set how aggressive it is and easily monitor and change how you want the money invested or you can be like me and just let the experts do their thing :) This also helps keep you from "borrowing" from your savings because (at leas in the US) most savings have penalties for early with drawl and different types of saving account have different time requirements (EX: 401K cannot be accessed until after retirement age) most companies now a days (even places like Starbucks & McDonalds!) offer employees savings plans to and they often match a certain % of what you save and/or "vest" you as an employee after a certain amount of time which is sorta like a pension, all you have to do is contact your HR person and they can walk you through how to sign up or activate it :) key is to ASK - I learned this mistake and am SHOOK at the amount of FREE money I could have gotten from Starbucks (my college job) had I only asked and gotten my plans set up.
Veronika Albuquerque was about to make a similar comment 👍 while I agree with some of Kalyn’s tips, there’s also a LOT more to financial freedom. And Investing is worth learning about. Hopefully this video inspires people to go out and do some research or maybe even talk to a financial planner :)
Love how this is a more in-depth not the usual how to save money video, kinda inspired me to be more stern on myself for a better future. And to whoever reads this and might help, I hate carrying cash but then again I pretty much spend my days at home so at my job, there's a grocery store. I just buy a grocery gift card and refill to 10$ a week on it for emergency work lunches. Fruits, bagels, pack of granola bars to store at the work locker, anything you could possibly (reasonably) want! Still waiting on an All About Bentley video! :D
Tip: have one bank account for fun and the other for bills. That way you are not tempted to use your bill money on fun stuff.
Kalyn you seriously have been reading my mind, i so needed this cuz whatever money i do have never lasts, thank you!🙏
Getting a notification about a new video makes me SO happy inside 😌
your adulting series has saved me so many times!
Me too!! I’ve learned so much from her!!
Money saving videos are some of my favourite videos on UA-cam and are what inspired me to start making videos! You definitely stand out here on UA-cam Kalyn! You can tell how creative and honest you are with your content! Love, a fellow UA-camr and Canadian ❤️🇨🇦
you are killing it with these daily uploads
I subscribed to u this week and all im thinking is WHY DID I ONLY FIND U NOW! U are amazing! Catching up on all videos nowwwww
Zoe Austen welcome to the club girl!❤️😘
I love how you're 23!! Your videos are so relatable and it's helpful and useful advice! Thank you!
I look forward to these literally every morning
I think a key component you left out in this video is to invest your money! Especially young adults need to be investing their money in stocks, mutual funds, retirement funds, etc. where they can watch it grow and gain interest over the years. Keeping your money in a savings account reaps none of these benefits.
awesome tips! we budgeted in a super similar way when we were saving to travel full-time !
Your video couldn't have come at a better time!!!!! Thanks, Kaylin!! Love you!
I love the fireplace as a background!
I have been so crazy about budgeting and these are so helpful. I like watching your videos I take notes just because they have helped and I am teaching my brother too. You are very helpful
I really recommend having your bank automatically transfer funds into your savings on your payday. I set up 2 accounts (1 main savings and 1 'car account' after I no longer had a car payment. I would set aside about 1/4 of my old car payment. I still had the other 3/4 to save or spend, but was also preparing for the inevitable day when my car would die. It may not be a lot, but it'll really help when you need to make a down payment the next time.)
You inspire me!! Love watching your vids.
I seriously love the amount of effort you put into your channel.. it makes me so drawn to you content and fall in love with you channel. Thank you!
Love this! Thank you!!
You’re the best! I was literally doing research on this topic this morning!
The best video for saving money ever!!! bravo!!!
I've been living on my own since I was 18 and I know the feels when it comes to money. It is WAY too easy to lose track of eating out, or personal little comforts and that kept biting me in the butt when I first started learning how to adult. I have finally come to the point where I still have a little money left over on each paycheck but not enough to adequately start a savings account. Which I need to do. I am glad I came across this video and when I get my next check I am going to take these tips and apply them and see how it helps me out! Thanks for the video!
I can barely afford rent/food/electricity/gas 😂😂😭😭😭 I need a video on how to make extra income lol
yeah me too haha when she talked about just spending 50% of your income on that I thought wtf that wouldn't pay anything :O :D
I save 10%-15% of my money right away before paying bills or anything. I've done that even when I was serving and a paycheck was only $400, I'd move 40 into my savings account. As for extra income look at "the Financial Diet", they have a good video about "side Hustles" to make money. I've considered them but I need to motivate myself. I totally have nights that I could babysit and I realize I don't want to give up my free nights so I must not need the money that bad :P
definitely needed today. Love you and your wisdom so much!
I think the cash thing will definitely help me out! It's so easy to just swipe that card, handing over cash is a lot harder!
Honestly one of the best series on youtube!!!
Thanks Kalyn! I'm putting this into play now that i have a 9-5p job post college and saving up for a future apartment!!!
AGREEEED. I hate carrying cash with a passion, but guess what! I'm not saying, "oh this is only $5" every other day and swiping my card too much. Totally agree girl
I AM ADDICTED TO YOUTOBER VIDEOS I DONT WANT THEM TO END!!!
Just wanted to say I really respect your work there so many you tubers out there doing vlogtober but you are the only one sticking to it . Iam 27 studying and I have a full time job so I definitely know what hard work is 😀 thanks for taking your job serious ♥️
I always love when you do this kind of videos!! Love you!! ❤❤❤
You're pure inspiration!
THIS IS SO HELPFUL THANK YOUUUU!!!!
I absolutely love your videos, so inspiring 💕💕💕
Thank you so much for your tips. its very helpful!
this was really helpful for me. thank you!
My tip is to borrow books from the library instead of buying them (unless you have an author you're supporting). You can also use kindle because it's cheaper to buy!
Every video you make is fantastic. I love you so much!!!
Honestly, just spending cash is a great idea! I’m definitely going to do that!
I really liked this! I liked the visual aids! Love you Kalyn!
Great tips! Taking out cash works! I do it every week. I take out cash for buying any treats or takeout food. Sometimes if I will even take my cards out of my wallet so when I go out, I can only spend that set amount of cash. It's so much easier to limit your spending that way.
you always upload the right videos at the right time for my life, I needed this one!! thank you girl!
I found pre-planning my expenses for the month and then tracking my expenses as I go to be the most useful and fortunately it helped babe and I to afford our first home!
this is exactly what i needed right now. thank you
This is such a helpful video! I love the visuals as well!
Was on my way to Starbucks for my 2nd Grande white 🍫 mocha and you changed my mind. Thank you!
Noting I didn’t already know but nice to refresh 👍🏻
I absolutely love your videos and this series is so wonderful! :)
First video of yours I've watched, loved it! The graphics really helped to make it sink in!
I am definitely going to try these tips out! I am the WORST at saving and budgeting! Thanks for the tips!!
this is soooo helpful. thank you!!!!!
Thanks for making a new video with this topic. Love your channel, sooooo tumblr!!!
Thank you Kalyn!!
Love this advice totally subbing to you the things you discuss just so positive and motivated by it for my own goals
I just love your budgeting videos 😍😍 This video was a great way to start the day.
This was such a good breakdown! Definitely gonna be using these tips, especially the apps! xo
EXACTLY what I needed, thank you so much!! Much love 🖤👻
new subscriber and just wanna say im hooked ✨ been binge watching your vids!
Needed this tbh. Love you!! 💕
This was helpful! Thank you
So, it's 11PM in Germany and I have to go to bed - but instead I'm watching your video :) Thanks again for sharing! Why is October nearly already over?!
Thank you for saving me 😊 I was kinda broke lately 🙊
Love this video! Really good made. Love ya
just in time. i really need this kind of vid. thanks Kalyn.
Loved this video but omg at 6:12 when it was over, I was looking for the mouse arrow to click out and struggled to find it coz of all the autumn leaves and went into a panic lol
Girl, you rock!
This was SO DAMN HELPFUL! Thank you
Thank youuuu kalyn!
I would love to see a video like this about credit/credit cards! I think a lot of people, like myself, would find it useful! Much love❤️
I love this. I've been wanting you to make a video like this AND LONE BEYOND YOU MADE ONE I LOVE YOU💖💖💕💕💕
Very helpful! :) Thanks, Kalyn!
I seriously needed this
You have KILLED this youtober. You've created better quality content, and more of it, in a month than some channels I'm subscribed to put out in a year..... I haven't felt that any of these videos were just "filler" and that's super fucking impressive. Much love. 💜💜💜
I LOVED THIS VIDEO SO MUCH. My boyfriend and I got our first apartment and we have lived here since May, and we still haven’t found a good system for saving/spending. I think this is going to save us and help so much! Thank you so much Kalyn, you give the best advice & tips.
P.S Lots of love from Detroit, MI ❤️
I love your channel and its content. You are inspiring and fun and very easy to watch.
For ppl who live in Balkan countries 70% or more goes on essencials so there is not much left at all....
You slay! You are my inspiration! Ilysm!
Song choice always on point
These animations were so good! Well done ❤
I needed this soooooo much❤
THIS WAS SO HELPFUL
Ahhhh this was SO helpful!!! Definitely going to try the 30% out in cash. Omg thank you!
I needed this 🙌🏻
Great points! It's so important to effectively learn to how to manage money when you're young!
Super useful video Kalyn! Really need to track the spending on personal stuff. great tips :)
Wooohoo, you updated earlier than usual. Now I have a lovely video to watch while eating dinner :')
DiaBBt Really it usually 4pm or before here in Chicago at a regular basis?
Well I'm from Romania, she usually uploads at midnight so yea :'(
DiaBBt Awww well at least it's amazing how she is Canadian and your watching from Romania I'm in the U.S and we all get to not only support but benefit from Kalyn