I respect you a lot for sharing such personal details. It takes a lot of courage to do what you do on UA-cam. No judgment here! It's actually quite refreshing. Thank you!
@@Angel-vf1gf Revealing her personal information and being judged on how she spends her money. That's pretty courageous and I wouldn't want divulge that information to anybody.
Gurrrrrrllll your mortgage payment is amazing for that house!! I pay $100 less for a tiny apartment. I love that for you. I think your spending is average. No not frugal, but not crazy. Let’s call it comfortable and enjoyable living. Thank you for always being transparent. PS Your skin is so beautiful.
I have had some questions about this video that I wanted to clarify so please see those here :) FYI I paid my housekeeper $45 for 2 hours. $15 an hour plus a $15 tip. ua-cam.com/video/2b6Z-AvUDpQ/v-deo.html
"Eat the Cake" is my motto! I dont deny myself anything I can afford. I'm now 47 and have seen friends who stressed about every bite of food lose their lives to Cancer, penny pinchers who never spent for now because they were saving for the future, one spouse died in a car accident. For them, I wish my girlfriend had eaten those cupcakes she denied herself for those numbers on the scale. I wish my friends had taken that trip together. ❤ Much love to you guys! You hustle hard so you should live with just as much passion!
☝🏻☝🏻☝🏻this!!!☝🏻☝🏻☝🏻 I was a hospice nurse for 23 years. Life can come to a screeching halt when you least expect. Live everyday like it’s your last...within reason of course!😉
This was the most honest and transparent one of these I have seen ( and I watch a lot of them) I think you are the first to include paycheck deductions and what you save! I think it was cool that you included things that come out yearly and monthly...
My friend, you should be very proud of how you and Adam have worked so hard to get where you are today. You and I have similar thoughts about a lot of things that you mentioned...debt being one of them. I truly enjoyed this video. Now I am off to check out the link for the fabric shaver. xx
I find these so fascinating! Thanks for sharing! How people spend their money is definitely a hot button topic for people. Everybody has their “saves” and “splurges”, and you hit the nail on the head about just being aware and not living beyond our means. That looks different from person to person. No judgement here! 😊
Jennifer you are honest and real. Some people would not even include that information. I appreciate you and your honesty. Thank you! Hey, I’ve been there, as a single Mom, raising two little ones, through high school, trying to help them with college. You have earned all you have worked for, proud of you!
You are a brave woman! All of the 'judges' will either be straight out mean or passive-aggressive. I can't count how many times I've been told 'MUST BE NICE' after saying we went out to dinner, went on a weekend trip, or made some purchase that was deemed frivolous. Why can't people judge silently? I love your channel, content, personality, etc. I'm so glad I found you!
I LOVE how balanced you are when it comes to making decisions. It’s more attention grabbing to be on one extreme, but it is much more realistic and helpful to share how to live a balanced happy life. Thank you for sharing your experience, Jen!! 😊 also, speaking from experience, I am sure you kids will be forever grateful that you are helping them with their college funds 💕
I love how honest this video is! I follow both you and Christine and although you are not "frugal" as she is but you both have one similar take on finances which is having your "buckets" (savings, retirement...) full first and then enjoy life! Thanks again
Loved this! I love the fact you are enjoying life! I, too, grew up with a very limited family income with my mom even making all of my clothes until 8th grade. After we got married, my husband and I did not make a lot until we finished our education. We are established in our careers and live a very comfortable lifestyle. I don’t feel guilty about my kindle and audible subscriptions, buying pretty clothes and getting more expensive cuts of meat! But I will always meal plan, get things on sale and truly am not extravagant. We just are enjoying life! Again, thanks for sharing and just a side note, our property taxes here in New Jersey are ridiculous! $12;000.00 a year!
I love that you are a spender! I love stuff too!The videos where people don't really spend aren't as interesting, but I love watching them all. You work so hard!
This was great! Thank you for being real & vulnerable with these truthful numbers. We share similar financial beliefs and it’s refreshing to hear someone agree that as long as bills are paid it’s okay to have nice things and do things that give us joy.
Hubby and I retired in 2018. We've been married 26 years. Never bought a house, never had kids. Paid cash for a new car in 2019. Owe no one a dime. Now at 54 and 55 we are living the good life. We've set our life up like this and are very fortunate to be where we are. We live within our means very comfortably. It's nice after working for so many years to be home together everyday. Your doing a great job on planning your retirement.
I call it living life. You are doing it and have figured out what works for you and your family. No need to apologize or justify how or why you do the things you do. Love your channel
I really like you, Jen! Good video! It's like I told my son just a few minutes ago...NO ONE is paying your bills, so, what you spend is your business. He was taking about building a bigger home. (They have 4 little ones) I applaud you for being raw and transparent on here.
The electronic lady saying "Holy Crap" on Sunday's spending made me LOL! Don't apologize for what y'all do & thanks for sharing the details of your life.
Thank you for this video! It's so refreshing to hear another hard working person say that debt isn't bad. It feels like everyone these days is so obsessed with being debt free. Anyways, have a good week! It's almost spring yay!!! 🌷🌼
I love your transparency and you speak your mind. Both of which are the reasons I enjoy watching your videos. You are relatable and not fake - 2 more reasons I keep on watching! Keep doing YOU!
Jen great video! I look at it this way. You pay your bills, food on the table, kids taken care of, beautiful home, future planned...etc... spend what you want.
I love this. No one has any say in how you spend your money, by the way. You clearly handle it well and pay bills and save before you spend which is what I was always taught myself. Good for you!
I love how transparent and relatable you are! Favorite person on UA-cam!! I would love to see another one of these videos on a week without so many out of the ordinary costs as well :-)
Thank you so much for his video! ♥️ Amazing to see a realistic “what I spend in a week”! I’m in my late 20s and really appreciate seeing how hard work will pay off in the future! Can’t wait to have more spending money in the future for myself and my family 😜
Two things. 1. I can’t believe the gonads on you to post this. You’re my idol 🤣 2. I can’t believe comments are still on. Nothing brings out the bitter in people like videos surrounding money/spending. I remember when my parents were hand to mouth. Literally lived paycheck to paycheck. When their circumstances changed, they lived their best life. Within their means, of course, but they didn’t hold back. It’s refreshing to see someone not be so stuffy when it comes to money. It’s a sensitive topic and steps on toes but I love it. I refuse to ever apologize for spending my hard earned money the way I want to.
Poor Murphy has been “outed” as having to have his anal glands expressed. Did he consent to us having this knowledge about him? I’m judging that you should not have shared such intimate details of Murphy’s life. He is probably scarred and needs therapy.
@@Jen-Chapin there are definitely things you are more than happy to pay big $$$ to have someone do. I'm sure Murphy could never look you or Adam in the eye if you did it yourself. 🙃
Hi Jen, you are really an inspiration for me and the proof that things can be accomplished by working hard. My admiration for you and Adam. I feel that you dont need to give explanations of why you spend the amount you spend....you earned it and you deserve it. And most importantly you are not taking it away from anybody. So keep working hard, save some and enjoy the rest 🙂
I found this video super interesting! It’s just so interesting to me to see what buy and pay in different areas. Kinda like watch grocery halls or Costco hall. Hoping you continue these type of videos! Love your content!! You do you and I love it!!
My 8th grade daughter has been using that same pencil pouch from Amazon for 2 years. She loves it because it fits around her wrist when her hands are full.
I can’t get enough of your videos. You are HILARIOUS to me “impulsive and chubby” 🤣. Your content is great. You work ethic is something I’m constantly amazed at. I just love your videos. 😊
Thanks for the informative video. I think your perspective on debt is the healthiest I’ve seen: Live within your means, but understand that life happens and have a plan outlining how to get out of debt. Your perspective normalizes the concept of debt and shame surrounding debt only gets people into trouble. Also, thanks for sharing about contributing to a 529 plan. I just unsubscribed from a popular UA-camr/Instagram ‘influencer’ who was yelling about ‘funding your child’s college is not your (the parent’s) responsibility’ because making a kid fund it entirely will make them work harder for the degree. My heart sank at this advice because I found it shortsighted.
Such a fun video! Thanks for sharing the context at the beginning as well. I’m also a fan of pay your bills, pay your self (save) and spend the rest! Have fun with your money after being responsible - you work hard for it!
Congratulations! It is wonderful to see an intelligent, hard-working woman being successful. The stories of your childhood resonate with me. You have worked really hard and showed real commitment and determination. Putting yourself through school to obtain a master's degree is no joke! Now your hard work is paying off as it should. I appreciate you for sharing that it is okay to pursue your passions, spend your own money on things that interest you, and still be a great Mom and wife. Life is so short and precious and we, as women, should live it to its fullest and celebrate other women who do the same.
I bought one of those fabric shavers about a month ago and I love it! I went through and got all of the fuzzies off my leggings and they look brand new! You will love it!!
I just adore your office. So many crafty things! I also love how real you are, because I can relate so much. Thanks for sharing us these parts of your life with us! PS anyone who says you’re frivolous....you can tell them what you tell Adam “Stay in your lane” PPS that meal planner is very cute. I’m finding myself wasting and eating like a dumpster fire when I don’t meal prep. How could you not do it with that cute and happy artwork?!
good for you - I remember when I started to panic if one of our cars would not work, now when we had to go for a washer and dryer I reminded my husband that we had the money to do it and it was not going to take away from our food budget, or what was not going to get paid - so happy that you and your husband have worked hard to get to this point - and yes you are right every person will always have some debit so live - ps hope all goes well with the biopsy.
I loved this video. I was laughing with some of the things you said. Nothing there that I would say extravagant . I think your balance is great. You both work hard and deserve those extras that I don’t call frivolous. Great to hear you’re putting money away for the kids education. I was waiting to hear your coffee expenditure and disappointed that you buy gift cards.. Always enjoy your descriptions from Starbucks. I can see you work very hard on your vlogs which I think is one of the best I’ve seen and look forward to seeing each one you out out.
I love FFM because she reminds me of my BFF and your likes and spending and personality mirrors my personality and it’s just cool to see both perspectives.
I love this! I work hard completely self-made and I appreciate your approach to finances. We are DINK family but I watch you because you inspire me to do more with my days because if Jen can do it with two kids I can with none. Keep being real!
This is the first video of yours I’ve watched and I really enjoyed it! Your perspective on finance is so refreshing and I love that you shared real numbers ❤️
For your age, education, good jobs ....you are doing great. I am 55 and we are retiring this year because we saved and worked hard. You will do just fine. You do you girl!!
Gosh. A brave thing to do. Was really interested to hear about your choices and your reflections. Fascinating too, from the other side of the pond here in London, England to see the different kinds of taxes and insurances etc. At the end of the day, we all face choices and it was useful to see how you kept track of your accounts in order to do that. So, thankyou for sharing - food for thought!
I am the spender too, and are similar in how we handle our finances. We don't have kids so our priorities are to max out the 401K & Roth IRA and we refied last year too at 15-years so we are on track for an early pay off and early retirement.
Good to see you're doing well and you really don't need to explain yourself to anyone at all. And if anyone does Judge you then, unless they pay any/all your bills then there can just butt out and mind their own business. Great video Jen👍🏻👍🏻
Great video. I hope no one judges your spending. We are all just living life the best way we know how! You’ve put in the work to afford the life so I say live it!!!
Such an amazing video!! No!! Never feel like you need to feel ashamed about how much you spend or how much you make...if someone can't be proud of you in your best life...then goodbye!! You have earned to be in the place you are at with sacrifice, sleepless nights, days when you just want to give up, long days...its time to enjoy! I do agree we don't need to live a life we can't afford...then that's when we run into issues.
Frivolous, fabulous mom. I have so much respect for you for sharing honestly what you spend. I agree with you about debt there is good and bad, I’ve had both and probably still have some I need to take care of. I enjoyed the vlog, stay safe always x
I love personal finance and didn’t expect it on your channel. Thanks for talking about money. We can all learn about our values and priorities when we have a wider focus than ourselves. No judgement from me btw. It’s called “personal” finance for a reason.
You are brave to put this out there! I loved seeing your business expenses because I am a small channel. It's good to see what all these things cost in one spot without having to search around so thanks so much for sharing! 💐
I love the dip manicures. I have an issue with gel nails because as soon as the polish starts to lift I start peeling it off. If I went to a more ghetto nail spa they would lift within a few days. So I rarely have them for a full week. It’s so bad for your nails - don’t do it haha. So long story long (🤦🏻♀️) - I love the dip nails because I couldn’t peel it off or pick at them. (😂) If you have weak nails and have trouble growing your nails because of breakage these really work great. The glitter options with dip are so great and the payoff is amazing way more than gel and regular polish for sure. Only cons is it’s more tedious to remove, (soaking in acetone like gel polish only for a longer period of time) it’s also a bit damaging especially if you don’t remove them properly. 🤤 if you are still reading this ridiculously long and unnecessary comment I apologize. It’s Friday night in Southern California sitting in my backyard where it’s a perfect 60 degrees smoking weed and watching UA-cam. 🤷🏻♀️ Don’t judge. 😉 I do have a tendency to ramble on and on when I’m nice and buzzed. Not that anyone notices. 😂
I am super frugal so this was interesting to see the other side. My husband always tells me we could live less frugally but I think I would break out in hives. Your week would probably last me three months easily and we live in a high cost of living area. I am glad you have both worked hard in your life to be able to enjoy yourself.
I don’t even know what say! I love this video. Your honesty is refreshing! Okay so your one week spending is mu 6 month income but dang don’t you deserve it! I’m impressed and in awe! You bust your ass and deserve everything you have and more! Way to go Jen! You’re amazing! Love an empowered woman that does what she needs to get what she wants and it’s not ashamed of it! Truly an inspiration and motivation! Thank you so much for all of your hard work. I just can’t say enough!
Super interesting! You've both worked hard so spend as you wish and enjoy. The most fascinating thing for me (in the UK) was a monthly charge to have your house sprayed to keep the bugs out so I Googled 'Why have your house sprayed Iowa?'. The search came up with 'Masses of meandering Millipedes' and Earwigs! Oh my word !!! Money very well spent then !
This was awesome Jen!! I think I need to do this!! I think it would really open my eyes to how much I actually spend in a month. Thank you for sharing:)
We jumped on refinancing our house last year too! I couldn't believe how low of a rate we got! I agree with you too as far as having to use credit cards for things that come up in life. When I first got married and then having 5 kiddos we struggled for a little while and without the cards we would've been screwed lol! This was a fun video to watch!!
Cool video! When it's your money and your life, you get to choose how to spend it and it seems like you and your family are happy and healthy and enjoying life!
Love this, there is definitely good and bad debt. Watch the butter bell in the summer, sometimes it is too warm outside the fridge. Can you use any of your groceries as a business expenses?
I found your channel through frugal fit mom… she’s who I want to be in an futuristic fairytale life. Jen your channel is a real life human I can strive towards lol
Really cool to hear your perspective on debt. My personal perspective is that it is okay to go into debt for needs/educational advancement/medical necessity but paying it off ASAP is imperative. (We put money aside to not go into debt but sometimes there are emergencies) We are so thankful to have no debt besides the house. It feels very freeing. We did and are still doing the Dave Ramsey plan.
So refreshing to actually see a realistic “What I spend in a week video”. Thank you for keeping it real.
Agreed!
I respect you a lot for sharing such personal details. It takes a lot of courage to do what you do on UA-cam. No judgment here! It's actually quite refreshing. Thank you!
@@Angel-vf1gf Revealing her personal information and being judged on how she spends her money. That's pretty courageous and I wouldn't want divulge that information to anybody.
LOVE your transparency. I've said it before. This was a bold gesture something you did not have to do. Thank you.
Gurrrrrrllll your mortgage payment is amazing for that house!! I pay $100 less for a tiny apartment. I love that for you. I think your spending is average. No not frugal, but not crazy. Let’s call it comfortable and enjoyable living. Thank you for always being transparent. PS Your skin is so beautiful.
I have had some questions about this video that I wanted to clarify so please see those here :) FYI I paid my housekeeper $45 for 2 hours. $15 an hour plus a $15 tip. ua-cam.com/video/2b6Z-AvUDpQ/v-deo.html
😳😱 here in Toronto 🇨🇦 I’d have to spend $75-$100 per hour for a cleaning service
"Eat the Cake" is my motto! I dont deny myself anything I can afford. I'm now 47 and have seen friends who stressed about every bite of food lose their lives to Cancer, penny pinchers who never spent for now because they were saving for the future, one spouse died in a car accident. For them, I wish my girlfriend had eaten those cupcakes she denied herself for those numbers on the scale. I wish my friends had taken that trip together. ❤ Much love to you guys! You hustle hard so you should live with just as much passion!
☝🏻☝🏻☝🏻this!!!☝🏻☝🏻☝🏻 I was a hospice nurse for 23 years. Life can come to a screeching halt when you least expect. Live everyday like it’s your last...within reason of course!😉
Love this , life is far to short 💓
You are seriously my favorite 😂 I love love love the “not frugal and not debt free” so much more realistic!
I love how open you are being about your finances!
This was the most honest and transparent one of these I have seen ( and I watch a lot of them) I think you are the first to include paycheck deductions and what you save! I think it was cool that you included things that come out yearly and monthly...
Hang on...lemme go put on my "judge" pants. 😂
Are you sure you didn't donate them in your last declutter?!?! ❤️😂
Can I borrow a pair of XL lmao.
@@allysond727 love this lol
😂😂😂
@@allysond727 You win comment of the day!!!
So relatable, nice to see a non-frugal, non-minimalist but reasonable mom!
My friend, you should be very proud of how you and Adam have worked so hard to get where you are today. You and I have similar thoughts about a lot of things that you mentioned...debt being one of them. I truly enjoyed this video. Now I am off to check out the link for the fabric shaver. xx
I find these so fascinating! Thanks for sharing! How people spend their money is definitely a hot button topic for people. Everybody has their “saves” and “splurges”, and you hit the nail on the head about just being aware and not living beyond our means. That looks different from person to person. No judgement here! 😊
I loved the robotic "Holy Crap" 😂😂😂
Jennifer you are honest and real. Some people would not even include that information.
I appreciate you and your honesty. Thank you!
Hey, I’ve been there, as a single Mom, raising two little ones, through high school, trying to help them with college.
You have earned all you have worked for, proud of you!
You are a brave woman! All of the 'judges' will either be straight out mean or passive-aggressive. I can't count how many times I've been told 'MUST BE NICE' after saying we went out to dinner, went on a weekend trip, or made some purchase that was deemed frivolous. Why can't people judge silently? I love your channel, content, personality, etc. I'm so glad I found you!
I LOVE how balanced you are when it comes to making decisions. It’s more attention grabbing to be on one extreme, but it is much more realistic and helpful to share how to live a balanced happy life. Thank you for sharing your experience, Jen!! 😊 also, speaking from experience, I am sure you kids will be forever grateful that you are helping them with their college funds 💕
I love how honest this video is! I follow both you and Christine and although you are not "frugal" as she is but you both have one similar take on finances which is having your "buckets" (savings, retirement...) full first and then enjoy life!
Thanks again
Wow you and Adam are hustlers! Very inspirational! I would love to see a more typical week too 🙂
Loved this! I love the fact you are enjoying life! I, too, grew up with a very limited family income with my mom even making all of my clothes until 8th grade. After we got married, my husband and I did not make a lot until we finished our education. We are established in our careers and live a very comfortable lifestyle. I don’t feel guilty about my kindle and audible subscriptions, buying pretty clothes and getting more expensive cuts of meat! But I will always meal plan, get things on sale and truly am not extravagant. We just are enjoying life! Again, thanks for sharing and just a side note, our property taxes here in New Jersey are ridiculous! $12;000.00 a year!
Not just a dog... MURPHY.
I. Am. Here. For. Murphy.
And you, Jen 🥺❤️
I love that you are a spender! I love stuff too!The videos where people don't really spend aren't as interesting, but I love watching them all. You work so hard!
This was great! Thank you for being real & vulnerable with these truthful numbers. We share similar financial beliefs and it’s refreshing to hear someone agree that as long as bills are paid it’s okay to have nice things and do things that give us joy.
Hubby and I retired in 2018. We've been married 26 years. Never bought a house, never had kids. Paid cash for a new car in 2019. Owe no one a dime. Now at 54 and 55 we are living the good life. We've set our life up like this and are very fortunate to be where we are. We live within our means very comfortably. It's nice after working for so many years to be home together everyday. Your doing a great job on planning your retirement.
"I have no chill when I'm influenced." 🤣 This is totally me as I'm ordering stuff from Amazon or the grocery store that I see in your videos!
I call it living life. You are doing it and have figured out what works for you and your family. No need to apologize or justify how or why you do the things you do. Love your channel
I really like you, Jen! Good video! It's like I told my son just a few minutes ago...NO ONE is paying your bills, so, what you spend is your business. He was taking about building a bigger home. (They have 4 little ones) I applaud you for being raw and transparent on here.
The electronic lady saying "Holy Crap" on Sunday's spending made me LOL! Don't apologize for what y'all do & thanks for sharing the details of your life.
I am also not a frugal mom... I am definitely a chubby impulsive mom too 😂
Same girl, same. Lol! Balance.
LOVED this video. Zero judgment, complete appreciation and respect from this follower. Go team Jen!
Thank you for this video! It's so refreshing to hear another hard working person say that debt isn't bad. It feels like everyone these days is so obsessed with being debt free. Anyways, have a good week! It's almost spring yay!!! 🌷🌼
I love your transparency and you speak your mind. Both of which are the reasons I enjoy watching your videos. You are relatable and not fake - 2 more reasons I keep on watching! Keep doing YOU!
Jen great video! I look at it this way. You pay your bills, food on the table, kids taken care of, beautiful home, future planned...etc... spend what you want.
I love this. No one has any say in how you spend your money, by the way. You clearly handle it well and pay bills and save before you spend which is what I was always taught myself. Good for you!
I think it is awesome that you are so open and share to benefit your viewers. I also think so one should judge, it is your life!
Ok now I need that pen bag 😂
Me too!
This was probably my favourite video of yours so far. Thanks for being honest and real when sharing your family’s spending.
I love how transparent and relatable you are! Favorite person on UA-cam!! I would love to see another one of these videos on a week without so many out of the ordinary costs as well :-)
Thank you so much for his video! ♥️ Amazing to see a realistic “what I spend in a week”! I’m in my late 20s and really appreciate seeing how hard work will pay off in the future! Can’t wait to have more spending money in the future for myself and my family 😜
Two things. 1. I can’t believe the gonads on you to post this. You’re my idol 🤣 2. I can’t believe comments are still on. Nothing brings out the bitter in people like videos surrounding money/spending. I remember when my parents were hand to mouth. Literally lived paycheck to paycheck. When their circumstances changed, they lived their best life. Within their means, of course, but they didn’t hold back. It’s refreshing to see someone not be so stuffy when it comes to money. It’s a sensitive topic and steps on toes but I love it. I refuse to ever apologize for spending my hard earned money the way I want to.
❤️❤️❤️❤️
Poor Murphy has been “outed” as having to have his anal glands expressed. Did he consent to us having this knowledge about him? I’m judging that you should not have shared such intimate details of Murphy’s life. He is probably scarred and needs therapy.
😂😂😂😂
Lol...clearly a HIPAA violation
@@treenaakers9429 exactly! Did Murphy sign a release of information document? 😂
Lmao!!! Omg our last dog had to have it every month it was such a pain.
@@Jen-Chapin there are definitely things you are more than happy to pay big $$$ to have someone do. I'm sure Murphy could never look you or Adam in the eye if you did it yourself. 🙃
Hi Jen, you are really an inspiration for me and the proof that things can be accomplished by working hard. My admiration for you and Adam. I feel that you dont need to give explanations of why you spend the amount you spend....you earned it and you deserve it. And most importantly you are not taking it away from anybody. So keep working hard, save some and enjoy the rest 🙂
I found this video super interesting! It’s just so interesting to me to see what buy and pay in different areas. Kinda like watch grocery halls or Costco hall.
Hoping you continue these type of videos! Love your content!!
You do you and I love it!!
I LOVE HOW REAL YOU ARE AND HOW REALISTIC YOUR LIFE IS!! ❤️❤️❤️
No children here but working full time and keeping up a house is a hot mess. Especially when my stepson is home with us.
My 8th grade daughter has been using that same pencil pouch from Amazon for 2 years. She loves it because it fits around her wrist when her hands are full.
I can’t get enough of your videos. You are HILARIOUS to me “impulsive and chubby” 🤣. Your content is great. You work ethic is something I’m constantly amazed at. I just love your videos. 😊
I know! I don’t know how she does it all?!?! I haven’t vacuumed for 2 weeks!😂😂
Thanks for the informative video. I think your perspective on debt is the healthiest I’ve seen: Live within your means, but understand that life happens and have a plan outlining how to get out of debt. Your perspective normalizes the concept of debt and shame surrounding debt only gets people into trouble.
Also, thanks for sharing about contributing to a 529 plan. I just unsubscribed from a popular UA-camr/Instagram ‘influencer’ who was yelling about ‘funding your child’s college is not your (the parent’s) responsibility’ because making a kid fund it entirely will make them work harder for the degree. My heart sank at this advice because I found it shortsighted.
Such a fun video! Thanks for sharing the context at the beginning as well. I’m also a fan of pay your bills, pay your self (save) and spend the rest! Have fun with your money after being responsible - you work hard for it!
$45 for a cleaning lady is a bargain.
It was for 2 hours, she comes twice a week.
I'm drooling over your planner box! 😋
My 2 favorite youtubers are youtube friends. 2 very different women who really enjoy each other, who are very open and honest in their programs. 🥰
Congratulations! It is wonderful to see an intelligent, hard-working woman being successful. The stories of your childhood resonate with me. You have worked really hard and showed real commitment and determination. Putting yourself through school to obtain a master's degree is no joke! Now your hard work is paying off as it should. I appreciate you for sharing that it is okay to pursue your passions, spend your own money on things that interest you, and still be a great Mom and wife. Life is so short and precious and we, as women, should live it to its fullest and celebrate other women who do the same.
I bought one of those fabric shavers about a month ago and I love it! I went through and got all of the fuzzies off my leggings and they look brand new! You will love it!!
“Adam’s the saver not the spender”... spends 200$ on booze and 50$ on video games and a book 🤣 glad you can do this! Quite blessed.
🤣🤣🤣
Well he has progressed 😂
I just adore your office. So many crafty things! I also love how real you are, because I can relate so much. Thanks for sharing us these parts of your life with us!
PS anyone who says you’re frivolous....you can tell them what you tell Adam “Stay in your lane”
PPS that meal planner is very cute. I’m finding myself wasting and eating like a dumpster fire when I don’t meal prep. How could you not do it with that cute and happy artwork?!
good for you - I remember when I started to panic if one of our cars would not work, now when we had to go for a washer and dryer I reminded my husband that we had the money to do it and it was not going to take away from our food budget, or what was not going to get paid - so happy that you and your husband have worked hard to get to this point - and yes you are right every person will always have some debit so live - ps hope all goes well with the biopsy.
I agree with you about debt. Living within your means is the most important.
I loved this video. I was laughing with some of the things you said. Nothing there that I would say extravagant . I think your balance is great. You both work hard and deserve those extras that I don’t call frivolous. Great to hear you’re putting money away for the kids education. I was waiting to hear your coffee expenditure and disappointed that you buy gift cards.. Always enjoy your descriptions from Starbucks. I can see you work very hard on your vlogs which I think is one of the best I’ve seen and look forward to seeing each one you out out.
I love FFM because she reminds me of my BFF and your likes and spending and personality mirrors my personality and it’s just cool to see both perspectives.
I loved this video!! I love how real and honest you are!! I would love to see more of this type of content.
I love this! I work hard completely self-made and I appreciate your approach to finances. We are DINK family but I watch you because you inspire me to do more with my days because if Jen can do it with two kids I can with none. Keep being real!
This is the first video of yours I’ve watched and I really enjoyed it! Your perspective on finance is so refreshing and I love that you shared real numbers ❤️
For your age, education, good jobs ....you are doing great. I am 55 and we are retiring this year because we saved and worked hard. You will do just fine. You do you girl!!
Gosh. A brave thing to do. Was really interested to hear about your choices and your reflections. Fascinating too, from the other side of the pond here in London, England to see the different kinds of taxes and insurances etc. At the end of the day, we all face choices and it was useful to see how you kept track of your accounts in order to do that. So, thankyou for sharing - food for thought!
Thank you for being so awesome and candid.
You have literally zero chill....but I love it. It's your money you spend it on what you want!!! You work hard for it so why shouldn't you! ❤❤
I am the spender too, and are similar in how we handle our finances. We don't have kids so our priorities are to max out the 401K & Roth IRA and we refied last year too at 15-years so we are on track for an early pay off and early retirement.
Love this new genre of video. Very informative and motivational....love the spread sheets!
Good to see you're doing well and you really don't need to explain yourself to anyone at all. And if anyone does Judge you then, unless they pay any/all your bills then there can just butt out and mind their own business. Great video Jen👍🏻👍🏻
Loved this! I am definitely not frugal or fit either🤣 love the real life!!
Great video. I hope no one judges your spending. We are all just living life the best way we know how! You’ve put in the work to afford the life so I say live it!!!
You're flipping hilarious!! I love you!! You're so real and its so refreshing!! Keep it up!! Thank you!!
Refreshingly honest! As long as you are working, saving, paying your bills . . . enjoy your life and all it has to offer.
The robotic voice at the tally is so funny. Thank you for being real and genuine.
Such an amazing video!! No!! Never feel like you need to feel ashamed about how much you spend or how much you make...if someone can't be proud of you in your best life...then goodbye!!
You have earned to be in the place you are at with sacrifice, sleepless nights, days when you just want to give up, long days...its time to enjoy!
I do agree we don't need to live a life we can't afford...then that's when we run into issues.
I love your channel. Long time watcher; first time commenter. This was so dang relatable and I appreciate this content!
Okay you totally got me when you had the computer say holy crap after you spent $4000...🤣😂
Love how honest you were about your spending.
I really enjoyed this video and how honest you were. I hope you do this regularly 🧡
Frivolous, fabulous mom. I have so much respect for you for sharing honestly what you spend. I agree with you about debt there is good and bad, I’ve had both and probably still have some I need to take care of. I enjoyed the vlog, stay safe always x
I love personal finance and didn’t expect it on your channel. Thanks for talking about money. We can all learn about our values and priorities when we have a wider focus than ourselves. No judgement from me btw. It’s called “personal” finance for a reason.
You are brave to put this out there! I loved seeing your business expenses because I am a small channel. It's good to see what all these things cost in one spot without having to search around so thanks so much for sharing! 💐
I love the dip manicures. I have an issue with gel nails because as soon as the polish starts to lift I start peeling it off. If I went to a more ghetto nail spa they would lift within a few days. So I rarely have them for a full week. It’s so bad for your nails - don’t do it haha. So long story long (🤦🏻♀️) - I love the dip nails because I couldn’t peel it off or pick at them. (😂) If you have weak nails and have trouble growing your nails because of breakage these really work great. The glitter options with dip are so great and the payoff is amazing way more than gel and regular polish for sure. Only cons is it’s more tedious to remove, (soaking in acetone like gel polish only for a longer period of time) it’s also a bit damaging especially if you don’t remove them properly.
🤤 if you are still reading this ridiculously long and unnecessary comment I apologize. It’s Friday night in Southern California sitting in my backyard where it’s a perfect 60 degrees smoking weed and watching UA-cam. 🤷🏻♀️ Don’t judge. 😉 I do have a tendency to ramble on and on when I’m nice and buzzed. Not that anyone notices. 😂
I am super frugal so this was interesting to see the other side. My husband always tells me we could live less frugally but I think I would break out in hives. Your week would probably last me three months easily and we live in a high cost of living area. I am glad you have both worked hard in your life to be able to enjoy yourself.
I don’t even know what say! I love this video. Your honesty is refreshing! Okay so your one week spending is mu 6 month income but dang don’t you deserve it! I’m impressed and in awe! You bust your ass and deserve everything you have and more! Way to go Jen! You’re amazing! Love an empowered woman that does what she needs to get what she wants and it’s not ashamed of it! Truly an inspiration and motivation! Thank you so much for all of your hard work. I just can’t say enough!
Consider your self blessed- you have worked hard and you are sharing your hard work and what you can accomplish! BTW - loved the STL shirt 😃
Loving this transparency! You are such a joy to watch because you are so REAL! I love it! It's so refreshing!!!! :-)
Super interesting! You've both worked hard so spend as you wish and enjoy. The most fascinating thing for me (in the UK) was a monthly charge to have your house sprayed to keep the bugs out so I Googled 'Why have your house sprayed Iowa?'.
The search came up with 'Masses of meandering Millipedes' and Earwigs! Oh my word !!! Money very well spent then !
I also pay monthly for both Amazon music and Apple Music. I need to get rod of one of them, I feel like we don't use either very much.
Very proud of you and what you and your husband have accomplished!!
This was awesome Jen!! I think I need to do this!! I think it would really open my eyes to how much I actually spend in a month. Thank you for sharing:)
I have that canvas pouch 😊 Just ordered the butter bell. I have no chill when you influence me😂 You all work hard for your money, you do you boo!!
We jumped on refinancing our house last year too! I couldn't believe how low of a rate we got! I agree with you too as far as having to use credit cards for things that come up in life. When I first got married and then having 5 kiddos we struggled for a little while and without the cards we would've been screwed lol! This was a fun video to watch!!
Cool video! When it's your money and your life, you get to choose how to spend it and it seems like you and your family are happy and healthy and enjoying life!
Love this, there is definitely good and bad debt. Watch the butter bell in the summer, sometimes it is too warm outside the fridge. Can you use any of your groceries as a business expenses?
I found your channel through frugal fit mom… she’s who I want to be in an futuristic fairytale life. Jen your channel is a real life human I can strive towards lol
Jen, you are so relatable. Fellow impulsive chubby mom here! 😂 Also fulltime working nurse!
Me too!!!
I don’t see the link to get your newsletter. Can you advise? Thanks
Here you go! Sign up for my email list: mailchi.mp/f25bb7fb9592/jenchapin
no judgement here girl, you do you!! Love watching your videos xoxoxo
Really cool to hear your perspective on debt. My personal perspective is that it is okay to go into debt for needs/educational advancement/medical necessity but paying it off ASAP is imperative. (We put money aside to not go into debt but sometimes there are emergencies) We are so thankful to have no debt besides the house. It feels very freeing. We did and are still doing the Dave Ramsey plan.