Now I have more knowledge about personal finance. I just subscribed to your channel. Big ups to everyone working effortlessly trying to earn a living while building wealth in this recession. I’m 45 and my husband is 51, we are both retired, no debts. We are planning on relocating to Thailand. We are currently living a frugal and financially savvy lifestyle and generating passive income even during this recessionary period. Our commitment to saving and investing in the financial market has enabled us to maintain this lifestyle and continue earning monthly passively through investment""
No problem at all! If you're seeking to earn substantial profits from your investment, I would suggest determining your investment horizon and implementing a long-term plan. I worked with Claire Martha Magalhaes to create a long-term investment strategy, and she assisted us in managing our investments while we focused on my jobs without any concerns.
Thank you for your advice. It's challenging to find a reliable investment advisor here, and I appreciate your input. Seeing the successes you've achieved through investing, I would love to have access to your investment advisor's information if you wouldn't mind sharing it.
I work with *CLAIRE MARTHA MAGALHAES* ,who is based in the United States. If you would like more information about her, you can conduct a search online. She even got featured on CNN recently.
Maria, Thank you for talking about your financial consultant. I will definitely look her up and try to get in touch with her. I have realized that relying solely on UA-cam videos and attempting to manage my finances on my own hasn't been very effective.
I searched for the name and found her website, where I saw her qualifications and testimonials that looked impressive, with many positive reviews. I reached out to her to discuss my financial goals. Thank you for pointing me in the right direction.
Budgeting is so important if you want to take control of your financial destiny. This is how Tom and I manage our family finances and include our financial goals. ua-cam.com/video/rd8WkxvMAqg/v-deo.html xCC
yeah, add having kids on top of that! I just uploaded a video on how to make sure our family financial communication is open so there won't be fights here ua-cam.com/video/rd8WkxvMAqg/v-deo.html which may interest you . xCC
This might sound silly. But when we have a merge account do we both have separate physical cards but the same account? Or is it just one physical card?
But how did you make the chart? My bf gets paid every week so I have to do a lot more weeks and I ran out of room on the budget chart in the description.. i don't even know how to add more rows
So I have a template in the description! If you click “file” and then “make a copy” you can make this yourself. I recommend watching a UA-cam video to learn the basics of Google sheets!
What about like dates and vacations. Would that come from your joint account? Or would you guys split a vacation from your individual personal accounts. Same for dates. If he takes you out on a sit down dinner, does he spend money for dinner from the joint account or from his own?
Yes, that would come from our joint account and dates, unless we're specifically taking each other out (ie I take him out for a birthday dinner, I pay) (i buy him a present, i pay) (i take us on a vacation, i pay) -- if it's a joint decision or chill date, it comes from the joint account!
Really comprehensive video - thank you for sharing. I definitely agree that its so important to get your budget organised when you get married. New subscriber from the UK here. Wishing you all the best for 2021!
We do the same thing but our income gets direct deposited into our joint acct. We used to get separate deposits but I found it was easier to have the same acct and we each have a card but I manage it alone and I just tell my husband what spending money we have left. We get paid opposite weeks/biweekly. So we just share all of our funds and let eachother know if he are going to buy anything over $100
Hey there new here! This is a great topic to cover. I definitely agree that you should have separate saving to spend as you wish! Here for support and subscribed for more!
Hi maybe a silly question, just want to clarify since your budget is twice a month but the bills are monthly like your mortgage, so are you splitting the bill in half so your budget is twice a month?
My husband and I just pool all of our money together basically. We use his income as our living money so that if one of us was out of a job, we'd know that we could still survive on one income. My income has always been the tucking away and "fun" money for vacations and such. It has helped us keep our spending habits in check, while also making sure we save a lot of money and never live above our means. Transitioning from single to married definitely was a bit of a challenge at first as far as maximizing our budget, but it's so worth it to buckle down and make It work. Your examples are really helpful and can definitely be sprinkled in for us, as we are trying to revamp our way of doing things. I like that you're straightforward and realistic, too. Some people just talk about how they WOULD budget or COULD budget without any real examples.
Yes, so many people do it that way, works for so many people. Thanks so much for your detailed comment :) Yeah, I know most people aren't in my financial situation so I wanted to give a variety of examples!
I was relating it to me and my fiancé and our wages. We are are 25 and 27 brining in around 6k a month and I wanted to see the difference. I think of it in aspect of w increased age and experience, salary grows
@@jordanolivia1243 definitely, but also depends on a lot of different factors. ask for more money! This year -- 2022, I'm bringing in like 6k a month myself... husband probably like 4k? but things have changed -- i now have 3 jobs, and got a big raise (from like 52k - this video to 86k - now). I have some videos on negotiating salary, and more :) Feel free to reach out via email if you want more help? You can make a lot of money young!! Just gotta ask for it aggressively.
Now I have more knowledge about personal finance. I just subscribed to your channel. Big ups to everyone working effortlessly trying to earn a living while building wealth in this recession. I’m 45 and my husband is 51, we are both retired, no debts. We are planning on relocating to Thailand. We are currently living a frugal and financially savvy lifestyle and generating passive income even during this recessionary period. Our commitment to saving and investing in the financial market has enabled us to maintain this lifestyle and continue earning monthly passively through investment""
No problem at all! If you're seeking to earn substantial profits from your investment, I would suggest determining your investment horizon and implementing a long-term plan. I worked with Claire Martha Magalhaes to create a long-term investment strategy, and she assisted us in managing our investments while we focused on my jobs without any concerns.
Thank you for your advice. It's challenging to find a reliable investment advisor here, and I appreciate your input. Seeing the successes you've achieved through investing, I would love to have access to your investment advisor's information if you wouldn't mind sharing it.
I work with *CLAIRE MARTHA MAGALHAES* ,who is based in the United States. If you would like more information about her, you can conduct a search online. She even got featured on CNN recently.
Maria, Thank you for talking about your financial consultant. I will definitely look her up and try to get in touch with her. I have realized that relying solely on UA-cam videos and attempting to manage my finances on my own hasn't been very effective.
I searched for the name and found her website, where I saw her qualifications and testimonials that looked impressive, with many positive reviews. I reached out to her to discuss my financial goals. Thank you for pointing me in the right direction.
Budgeting is so important if you want to take control of your financial destiny. This is how Tom and I manage our family finances and include our financial goals. ua-cam.com/video/rd8WkxvMAqg/v-deo.html xCC
this has to be one of my favorite videos, super helpful!!
budgeting is so hard by yourself then add being married im listening girl❤️
trueeee
yeah, add having kids on top of that! I just uploaded a video on how to make sure our family financial communication is open so there won't be fights here
ua-cam.com/video/rd8WkxvMAqg/v-deo.html which may interest you . xCC
This might sound silly. But when we have a merge account do we both have separate physical cards but the same account? Or is it just one physical card?
Not silly at all! You'll have separate physical cards but the same account :)
Maybe you could make a video on how you budget/plan for buying groceries? I always end up over spending on food 😣
this is a great idea! i'll add it to my list and hopefully do it soon :) thank you!
But how did you make the chart? My bf gets paid every week so I have to do a lot more weeks and I ran out of room on the budget chart in the description.. i don't even know how to add more rows
So I have a template in the description! If you click “file” and then “make a copy” you can make this yourself. I recommend watching a UA-cam video to learn the basics of Google sheets!
Great tips! Thank you for the template...You are gorgeous 💙
Thank you so much!
You can have a joint account without being married??
Yes, at least where I am, you don't have to be married to have a joint account!
What about like dates and vacations. Would that come from your joint account? Or would you guys split a vacation from your individual personal accounts. Same for dates. If he takes you out on a sit down dinner, does he spend money for dinner from the joint account or from his own?
Yes, that would come from our joint account and dates, unless we're specifically taking each other out (ie I take him out for a birthday dinner, I pay) (i buy him a present, i pay) (i take us on a vacation, i pay) -- if it's a joint decision or chill date, it comes from the joint account!
@@rachelanita Understood. Thanks so much for that.
i thought this was about weed
Fair Lmaoo
Lips already full and too young for fillings haha
Trueeeee
Living in Canada rn in a recession and $200/ in groceries alone!!
Yikes I'm so sorry! I hope things get better for all of us soon.
Amazing video thanks so much !
Glad you liked it!
Really comprehensive video - thank you for sharing. I definitely agree that its so important to get your budget organised when you get married. New subscriber from the UK here. Wishing you all the best for 2021!
Thank you so much for watching! Wishing you the best as well! x
We do the same thing but our income gets direct deposited into our joint acct. We used to get separate deposits but I found it was easier to have the same acct and we each have a card but I manage it alone and I just tell my husband what spending money we have left. We get paid opposite weeks/biweekly. So we just share all of our funds and let eachother know if he are going to buy anything over $100
Most budget never include charity ...we all earn so much and so blessed with never do charity ...and bless the unfortunate ones
Thank you for being vulnerable so that you could help others who are vulnerable!I loved that you are detailed in your explanation.
Thank you so much for your comment. I'm so glad you found this video helpful.
Love the transparency! Congrats on almost paying off your debt.
Thank you! I appreciate your comment! x
Hey there new here! This is a great topic to cover. I definitely agree that you should have separate saving to spend as you wish! Here for support and subscribed for more!
So true! Thank you so much.
Thank you so much! This was so helpful.
I'm so glad!
My partner just shared this with me, and I am subscribing. Thanks for making this video
Ahh thank you so much! I appreciate your comment and letting me know :)
Found this super helpful!! Thank you.
I’m so glad you found it helpful! ❤️
Thank you for sharing! ❤️
Subscribing :)
Thank you ❤️
How do u do this with a partner that doesn’t believe in 50 50 but generally believes a man should provide for her 😢
Well, that's a discussion you'll have to have with your partner, maybe in therapy! It's tough until you can get on the same page!
Hey I’m sort of late to this video but it’s very useful. Do you have to pay taxes for the joint bank account apart from your personal?
My husband and I file our taxes jointly, so it doesnt have to do with out bank account - just our different incomes!
Hi maybe a silly question, just want to clarify since your budget is twice a month but the bills are monthly like your mortgage, so are you splitting the bill in half so your budget is twice a month?
Hi, not sure if the rest of the video clarified... but no, I don't split it unless I need to!
cant believe yall created a budget for joints alone. buy in bulk by the OZ if you want a good price. learn to roll your own.
I find it helpful to visualize things like this :) It helps me stay organized. Where do you buy in bulk?
Hello am from India
Thanks for coming i am going to your country later this year
Hopefully you didn't do the lips
i didn't! a joke!
@@rachelanita haha good. Just figured since this is 11months old, maybe you gave in by now. You definitely don't need it!
Hi I will try that template this video was helpful thank you for posting it
I hope it helped you!
Thank you for this um learning
Of course! Make sure to subscribe for more ❤️❤️
@@rachelanita Subscribed already, the video was awesome for me to leave without subscribing
❤❤❤
Thanks for commenting!
Probably the realest video out there
I'm so glad you think so!! and thanks so much for leavinng this comment.... let me know if you have any other questions :)
Thank you so much for this!!
Thank you SO much for your comment! I really appreciate it :)
My husband and I just pool all of our money together basically. We use his income as our living money so that if one of us was out of a job, we'd know that we could still survive on one income. My income has always been the tucking away and "fun" money for vacations and such. It has helped us keep our spending habits in check, while also making sure we save a lot of money and never live above our means. Transitioning from single to married definitely was a bit of a challenge at first as far as maximizing our budget, but it's so worth it to buckle down and make It work. Your examples are really helpful and can definitely be sprinkled in for us, as we are trying to revamp our way of doing things. I like that you're straightforward and realistic, too. Some people just talk about how they WOULD budget or COULD budget without any real examples.
Yes, so many people do it that way, works for so many people. Thanks so much for your detailed comment :) Yeah, I know most people aren't in my financial situation so I wanted to give a variety of examples!
Can I ask you alls age?
Sure... I'm 26 and he's 28. I think at the time of filming this we were 25 and 26! May I ask why? :)
I was relating it to me and my fiancé and our wages. We are are 25 and 27 brining in around 6k a month and I wanted to see the difference. I think of it in aspect of w increased age and experience, salary grows
@@jordanolivia1243 definitely, but also depends on a lot of different factors. ask for more money! This year -- 2022, I'm bringing in like 6k a month myself... husband probably like 4k? but things have changed -- i now have 3 jobs, and got a big raise (from like 52k - this video to 86k - now). I have some videos on negotiating salary, and more :) Feel free to reach out via email if you want more help? You can make a lot of money young!! Just gotta ask for it aggressively.
No investments?
Not yet! Still building our emergency fund. We both max out our Roth’s and 401k- but nothing besides that!