MONEY SAVING TIPS: How I Saved $10,000 in 10 Months on a $30,000 Salary
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- Опубліковано 23 лип 2024
- MONEY SAVING TIPS : How I Saved $10,000 in 10 Months on a $30,000 Salary
There really is no secret to saving large amounts of money in a relatively short period of time. Well, the only real secret is discipline. I think people expect for some magic app to be invented that allows you to keep living your best life while simultaneously storing away large lumps of money. Really, saving starts with a mindset shift, the action (and money) will follow.
I took the lowest salaried job offer, but was able saved a large amount of money because of one simple rule of saving: increase your income, or decrease your expenses. It’s not about HOW much money you make, as much as how much money you’re able to pay yourself FROM that money.
Here are some mental shifts, and practical tips I used to stack my coins!
// IN THIS VIDEO I SHARE:
1. How to : Increase Income, Decrease expenses
2. Assessing where your money is going
3. What to do with your bank statement every month
4. How to stop trying to “keep up”
5. How to think of money in terms of time
6. Useful money saving apps
// MONEY SAVING APPS & COUPON RESOURCES
Digit: digit.co/
Cartwheel: cartwheel.target.com/
Ebates: www.ebates.com/r/EWINTE66?eei...
Dosh: link.dosh.cash/ERINW148
// S U B S C R I B E.
ua-cam.com/users/erinondemand?...
New Videos Every Tuesday (& most Thursdays)!
// F O L L O W.
Website | www.erinondemand.com
Instagram | @ErinOnDemand
Facebook | Erin On Demand
Twitter | @ErinOnDemand
// R A N D O M D E E T S.
Shirt | H&M
// E R I N
I'm Erin and I'm a new full-time entrepreneur. I'm super excited to take you all along this crazy ride as I build my business from the ground up. Starting a business is much more than what influencers make it seem. It takes grit, hard work, and a lot of learning along the way. I'm taking you through the trenches and on the mountaintops with me, giving you a good look inside the life of a startup entrepreneur.
**Disclaimer: This video is not sponsored.
//P.O. Box
29488 Woodward Avenue #256
Royal Oak, Michigan
48073 - Фільми й анімація
Paid off all $30,000 of my student loans in 18 months at 23 years old on a $35,000/yr salary because I lived at home! Love your videos Erin😊
That’s amazing!! Xo E
This is super inspiring, wow! There’s hope for me!
Wow!!!
Congrats! So glad you had that strong foundation to aid your hard work.
Good for you!!!
Once I hit my first 1k in savings I got hooked. I'll be hitting my first 10k in savings in 6 weeks 🙌🏾
That is AMAZING!! Keep it up! xo E
where tf u work. lol
loll I definitely feel you on that ! its that first 1k its sooo motivational
Congratulations! ❤️
@@shinigamizzz5372 that's easy. I was able to save $10,000 up in 3 months and I have 2 young kids. It is about how much you make. lol
I wouldnt have been able to do that 20 years ago making $15 an hour....
People lowkey side eye me because I’m still living w my mom. But I’m paying off my student loans & saving up for a down payment on a home, & working on investing my other funds.... so I’m living an unpopular frugal life but I’m on my way to financial freedom. Thank you for this video.
lindalately Girl YES! It’s so important to release the stigma that you’re “behind” if you move back home. You’re getting ahead have that cushion is such a blessing! Thanks for watching and I hope you stick around :). Xo E
Erin On Demand just subscribed, so yes, I’m here to stay! 😬
Dont feel bad also why are you even worried about how other people see you?
I'm in your same situation! I actually left my 6 year relationship because my partner wanted me to spend the money I made accomplishing my goals for a home and wedding! FUCK THAT! I left her moved back with my parents paid off my student debt and the remainder I thought myself how to trade stocks.
My job pays 30k after taxes but what propelled me was the fact I also learn how to wholesale real estate since I have experience in sales did 4 deals to pay for my worthless school.
What's impossible to find is women who actually care about financial freedom all the females I encounter in new Jersey and NYC are straight consumers and just a bill so this is definitely good to find this.
Cant wait by July I'll have about 20k saved for a downpayment for my investment property hopefully I find something since everything is so expensive around NYC and jersey
I applaud you! You are very smart.
@lindalately; the people side eyeing you now will be the very same ones begging money from You when they realized you made the smartest decision to live @home.. Being debt free is the best feeling ever because you don't owe anybody anything. Lots of college students out there are struggling to pay off student loans & instead racking up more debt from Poor Lifestyle Habits!!! Goodluck to You with Paying Off Debt & You Do You!!!!
For people like me, moving back in is not an option if you want to keep your mental health up. It's nice that people have strong foundations to return to, it's a whole other story when you have to create your own from Scratch .
Lalitah the Natural she said live at home and had no bills and I was like “oh so this wasn’t for me lol”
Yea I couldn't move back with my mom.. me and her can't live together.. but get along great outside of that
@@jazzyandjojo8253 same
There are sooooooo many people on youtube talking about paying off debt while living away from home. Please find those channels, I think they could inspire you!!! I see where you are coming from 100% but this comment does strike me as unnecessarily resentful. Like OF COURSE everyone's circumstances are going to be different. It could just as easily be the case that you are living away from home but make 2x as much as someone that still lives at home. You can't compare like that and stay healthy/sane.
I agree. Moving back home for me is not an option. Especially when my wife is not accepted in my parents home. I will continue to struggle and do what i need to do to save my money.
Once you start saving it becomes addictive. It’s a really good feeling. It makes you feel secure. Seeing what you work so hard for makes going to work a bit more enjoyable. Lol
I need that, thank you
Jennifer Alva 🙂
That’s so true!
I dont believe you, l saw you spend $100s on weaves/wigs & skin bleaching cream.
My weak spot is food without a doubt. We're getting better but there's still much work to do. Thank you for this!
Food is always a struggle! Whew, glad I'm not the only one! xo E
Faaaaaaaaacts!!!! 😂🤣😂🤣🤣
"Every dollar counts, every dollar is valuable..." That is a golden mindset right there. My weakness is food (after I done bought groceries) and "cheap treats" of things from the Dollar tree.
I use Dollar Tree to buy essentials: soap, deodorant, toothbrushes and medicine. I've found their Excedrin migraine works wonders.
I worked there part time to pay some debt off. The first two months or so, my paycheck definitely went right back to DT. I had to reevaluate and fast.
Other than that, I try my best to stay out of stores. They'll get you!😂
@@CoCMember Lol- ohh my, I can't even imagine working there! Well... Maybe- do you get an employee discount?? 🤣😂
Calisa Hardy Surprisingly, it wasn't that bad. And no discounts lmbo
Yes food is my problem
Go grocery shopping but don’t wanna cook so getting McDonald’s 😂
Same! I spend $200-$250 a month on groceries and then still end up spending around $600-$700 on eating out. HOW DOES THAT HAPPEN
About to reach 100K saving in 2020. Having a mind sit of not spending what I don't need. Example Shopping on line is a no go zone. Make food at home. I don't have a mail box. Bought my car out front. Paying of my student loans. Don't have an iPhone. Don't have a credit card. Leave on my own. Remember always pay yourself first.
Huh?
I only got a credit card to build my credit but I don’t really need their money
I look at savings as a game “I hate to loose.”
YES!!! Love that! Always winning xo E
That’s a good way to look at it 💪🏾💰
lose*
Nice video, though Saving doesn't bring financial freedom, the right i nvestment does. Its best to always look for means to multiply money. There are lots of opportunity right now.
Stock trading set me up for financial freedom
I totally agree with you Ulster, it's wise to have multiple streams of income. It's one reason I opted for a FA Stuart Wilkins who's constantly identifying lucrative positions to multiply my annual earnings with profits from stocks, forex and others. With the consistency in my payouts, I'm confident in the future of my investment portfolio.
The risk to multiple investment is unimaginable
@@evelync1504 with such diversity how have you been able to manage the risks, I've also considered investing in stocks but I'm not sure of the risks.
@@evelync1504 with such diversity how have you been able to manage the risks,I've also considered investing in stocks but I'm not sure of the risks
Great advice I’m sharing this with my 3 kids who are 20, 18, and 17. Knowing these tips early is key💫
Love that Coach Sherri! Thanks for watching and sharing with them! xo E
Yes... learn EARLY!
You are a great mom, not saying my mom isn’t as well but she only talked to me and my siblings about sex and the whole waiting til marriage spill and here I am with a one year old and thousands of dollars in debt at 23 🤦🏾♀️
I’m going to be consumer debt free in 9 days and I couldn’t be happier!! I just have my student loans and car left. I’m going to cut back on the spending, I’ll be wearing the clothes I have now for the next 3-6 years until I can pay everything off. I’m so determined!!! I also use the hour pay vs thinking about paying that time for it! It’s helped me a lot
Congratulations girl! I am working on paying off mine now
That's amazing Chelsea! Keep it up girl! You just motivated me even more girl! xo E
👏👏👏 not giving your paycheck to a credit card every pay day is the BEST feeling
Love this comment 💕
I live in France and save 400/500€ per month. My goal is to be financially free by 50 years old ( I'm 28) 🤞 it took me one year to master my budget and stop my bad spending habits now I'm good and ready 😉
Vénissa Thanks so amazing! You can do it girl. Consistency is always rewarded! Xo E
Je vivais en France avant et pour économiser j'avais ouvert un PEL . J'ai pu économiser beaucoup comme ça
Congratulations you can certainly become financially free!!! Sooner actually, I'm 31 living with my parents no kids saving/investing 70% of my income. I'm buying my first investment starting July if all goes well, since your 28 you can actually retire by your 35-40's
I'm 31 trying to finish by 38
@@aim-for-greatn3z947 That's amazing! Investing is SO important. Keep it up! xo E
Oh wow!!! That’s great!!!!
A couple of things I do regarding grocery shopping is 1. I primarily shop at Aldi lol and 2. I plan what I’m going to cook for the week prior to going to the grocery store. Then I know exactly what I’m going to purchase while I’m there and not buy a bunch of unnecessary food that will either go bad or I not end up not even wanting. Its helped me with saving on how much I spend on food.
Gabrielle Wafer Same here!!! There are tremendous savings at Aldi! I menu plan to include snacks. It ensures there are no unnecessary purchases. It DEFINITELY helps with overall waste and spending.
Yes!! Preparations before spending in any circumstances is always going to help cut costs! Thanks for the input ladies! Xo E
Aldi and save A lot
Great saving tips. I recently did a savings challenge and was able to save $1300 a month by cutting down my monthly bills and "frivolous" spending. Keep up the good work!!!
Wow that's amazing! Thanks so much for sharing! xo E
I live in Louisiana and $30,000 a year with no debt and no kids is doable. You could even live on your own if you budget! But I have to stress that the no kids and no debt thing is vital lol.
Yes it's all about what you do with the money you have! Thanks for watching xo E
Gee Cee Louisiana is not even expensive to live in. Going based on what my friend had told me. Since he lived there.
Im in louisiana also, married with one kid, we make around 36k combined and still have about 1000 left over every month. We also have 2 cars paid off and we are cheap lol
Spencer Morgan
It’s all about how you budget and prioritize your income! Great job!
Jiji is my nickname lol don't get rid of her. we good people 😁
Both my parents are dead there’s no one I can live with for free so I guess this is outta the question BUT I am saving up to buy a duplex so I can rent one out in hopes to off set my mortgage and live in the other one for free wish me luck 🤞🏾
If you move to a southern state like Texas you can get a mobile home cheap and pay it off in two years and pocket your rent money.
Wishing you luck
Living with a boyfriend helps because they pay half of the rent sometimes the whole rent
This is why I love you.. we are the same when it comes to pros and cons. I took the lowest paying job as well (35,000 a year) and stayed at home with my parents. I helped out on bills and budgeted the hell out of everything.. i was stingy but still had what I needed. I decreased my expenses tremendously to the point where I had 700.00 in my savings account without a month and I didn’t even know. 👀 I became obsessed with seeing the amount grow in my savings.
Love it! We're on the same page Chermaine! xo E
This is literally my obsession. Seeing my savings grow makes me so content.
I started saving 2 weeks ago . I saved $75 every weeks
So everytime you get paid you take out 75
@@deandremclean4459 yes Sir.
That's so good! Thanks for sharing! xo E
@@squadbnk7896 that's awesome man!
@@tanadagarmon4331 thanks 👍
I just moved back with my mom, definitely buying a house in 2020. I am now discipline with my spending right now
If my take-home is $30k, I'll save $20k. 1) I don't buy anything I don't need. 2) I bring lunch to work and cook dinners at home 6 nights a week. 3) no coffee or frappucino at Starbucks and no beers at bars. 4) no cable. Watch youtube for free.
S basically no life lol. I still like to live a balanced lifestyle while I save aggressively. I also had student loans and other expenses to pay for. Glad to know you're such an aggressive saver! Hopefully you're saving a lot now. -E
@@ErinOnDemand No, I live a happy life because I have fewer things (things I like) and "good" friends. I don't need a 1000 FB friends.
I save, I invest, and I'll retire early.
@@se7enzee444 That's amazing! If you are happy, that is all that matters :)
Boring life
Cooking 6 nights a week isnt ad cheap as you think! I still spend over 400 in groceries in a month!
I'll be 33 in November and am WAITING for my siblings to move out of my parents house, so that I can move back in! Still driving my 2008 Honda Accord at 240+ miles...Everydollar Budget everything...decreased my expenses...do hair on the side! My Uncle Ramsey 😉 taught me how to be weird!
Charlotte Emetom I love this! I was feeling a little insecure because I moved back for a minute at 25 (also live in Silicon Valley) while I save and finish my degree.
2020 goal is MINIMUM $10,000 while I build a solid backbone for my future. I’m done moving away for a year and failing or messing around and having to move back. I’m winning this time!
i am 29 and this year i realize that my mother is the best roommate.
Yes girl me too..stay weird gurl!!
Thanks for sharing your story girl!! As I get older, I realize material things don’t make me happy! As long as my kids are happy, WELL dressed, and fed that makes me happy! ❤️ this year I plan on saving at least and extra $2,000 which seems a little too some but I’m a stay at home mom and work part time . So a little will go a long way!
Let all yo checks get deposited on yo payroll card n don't touch it and If u got a savings account then deposit all them checks on your account ... And if get otha income budget spend n still save that's what I do shit.. budget, n save n don't buy nth If don't need it 💯💯 that's what I do I'm about saving too I'm $3K.
So much underrated wisdom in choosing a temporary inconvenience for a long-term permanent convenience. Nice one Erin!❤💛
My weakness is eating out and Dollar Tree runs. Thanks!
S. W. Ugh same here!
Couponing at dollar tree
Hahaha the dollar tree gets me everytime
Go to a auction and buy a nice car for $500-$1000. Pay cash. There are lots of nice cars at auctions. Do your homework first
Yvette Shokere got my car last yr 4 2700 brought it from my cousin that sell cars that he purchase 4rm an auction
Don’t you need a license to buy at car auctions? It’s probably different state by state lol
There are a bunch of lemons at a auction.Those cars are basically for someone who buys cars,,fix them up,then sale them.
Be careful at auctions those are cars that wouldn’t sell on the lot which most likely means they have a problem
@@fullwisewords If you're buying a single car for your self, you can purchase. But if you're looking to purchase lots of cars yes you need a license. It also depends on the state you live in.
Without doubt my weak spot for my whole family is eating out. Feeding a family is expensive enough when cooking at home every day but trying to eat out, no matter where you live, is a budget buster. My family had to get use to my hit or miss cooking😊 thank you for the video💖💖💖
We’ve never made much more than $30,000, but our home and cars are all paid for
Yes, it's not about how much you have, but what you do with it! Thanks for sharing. xo E
Joyce Gonzales
Between 2 people that 60,000
That’s for both of us
@@joycegonzales4994 How did you do it?!?
Beautiful Brandy l
My weakness is definitely shopping. To help me with my online shopping problem, I unsubscribed from a lot of email lists and things that constantly pop up to entice consumers. Ive also been considering starting a shopping allowance fund to separate shopping money....no money in the fund- no shopping 🤷🏾♀️
So smart! Those emails can be a budget killer! Cash allowances are also super helpful! Thanks for commenting Porsha xo E
Thank you so much Erin for that info. I'm a senior and wish I had come across this kind of info years ago. I hope lots of young people sees this and take heed and by the time they become seniors they won't have to work so hard.
Great tips! I’m the same as you. Moved back in with my parents to cut costs and I’ve saved tremendous amounts of money! It’s not ideal but right now saving is much more important for me.
EXACTLY! All about priorities xo E
Officially Miss Boss I figured no rent was being paid to save this much on that salary. Good to have parental support🤗
Awesome money saving tips! I just subscribed! I look forward to part 2 of this video.
This blessed me! You made the BEST decision out of college. I was one of those who graduated, got my own apartment and car and great paying job. Then I moved to NYC and got laid off. Now I’m about to move home with my parents to start all over again. So far I’ve decreased my expenses significantly so now it’s all about rebuilding the smart way! Thank you for talking about this!
This video was SO GOOD!!!! So many good tips! x
My weak spot are my children, I feel like they need everything 🤦🏾♀️🤦🏾♀️🤦🏾♀️
Awww, that’s real! Lol xo E
Same here. I’m always buying my kids stuff and nothing for myself.😩😩😩
This is my wife’s same problem, kids gotta know what’s life about your never going to have everything you want out of it struggle is good because you appreciate the little things in life. Fashion is one of the things that kills our kids way of thinking
JussLex shelter nuture food protection. They only need the necessities
JussLex girl me too!! 😩🤦🏾♀️
I saved by doing the $5 challenge. Where you saved $5 everyday and whenever come across a $5 bill. I saved $100 within 3 weeks.
Love that! A little goes a long way. Thanks for sharing! xo E
Broke With Expensive Taste same here! Check out my $5 Challenge here ua-cam.com/video/qztLfnA0mgk/v-deo.html . I’m looking for more motivation to hit high dollar amounts!
Erin On Demand thanks if I keep it up I’ll save over a thousand in a year. However I’m going to step up my challenge with setting aside $150 from my check in $5 bills every 2 weeks I get paid plus saving any $5 bills I come across. That way I’ll have more saved within a year.
Re AllSmiles just checked out your video
Broke With Expensive Taste wow! That’s awesome!!!!
100% agree! STOP BUYING JUNK
! STOP BUYING JUNK! Especially things that you aren't going to keep for a long time!!!
Exactly Loreal! xo E
Make and recycle and only by when u have to.
As a mom, it’s super smart that you pay off loans and cars and save while living at home. I actively encourage my kids to think about that. Don’t forget to help out your parents too though lol!
I agree. I also think it's super important to not just pay off debt but to build wealth :). Of course, helping out parents is a must. xo E
This video pretends to be about saving money... but it is really about sacrifice and making the decision that is unpopular with your own self. It is about delayed gratification and not worrying about the road not taken. Kudos Erin.
Thinking of money in terms of time is an excellent tip
Right?! True statement to that time is money. I hate thinking that I wasted 45 mins of work to buy (x) or to know that it will take (x) hrs to purchase whatever it you're looking at.
Great video! I think a big issue with some people is when they inflate their lifestyle whenever they get a pay increase. As their income increases, they increase their expenses with it because they can "afford it" now.
Kirin Nguyen oh that’s definitely a huge thing! First thing most people do when graduating college and getting a real job is getting an apartment and/or a new car. You have to give yourself an opportunity to build something! Thanks for commenting :). Hope you stick around Kirin! Xo E
Why did I feel so guilty after watching this 😩...I’m already a good saver I have $5k saved so far but this made me realize I can have even more money set aside. Btw you have a beautiful radiant energy, keep that shine
Shows you care & you can do it!
You doing good keep going
''Think about money in terms of time''.. ooohh chile... You're speaking to my soul!
"It's not about how much you make, it's about how much you get to keep."
Thank you girl! Thats How I feel: I rather have money and not look that rich, then look rich and be broke 🗣🗣
I agree! Most of my money goes to credit cards and all my extra money goes to eating out! I definitely need to be more disciplined! Thanks for the encouragement!
Yes love this video, so glad I found some tips that can help.
Awesome content!! I am now a serial saver as well. My goal is to save 10,000 this year as well. I saved the most I e ever done last year all while preparing for my wedding in August. Anyone can save, like you said, you just have to choose discipline over your feelings! Keep the good content coming! ❤️
Yesss I love your energy and content. I just started saving 2wks ago so every pay check I get now I put $300 in my savings to get myself in the habit of only spending a few dollars on things like gas and food.
My weak spot is food for sure. I will shop online but won’t buy it until it fits into my budget.
I make 1500 a month after tax and i save 500 all going into a s&p 500 index
You'll be surprised how little you can live on and still be comfortable
im very similar but put 1000 a month in vanguard index but i have no rent or mortgage, can be done, stop watching adverts and being seduced by the tat their selling, freedoms the best thing to buy
You must live in a cheap state.not California or New York.
@@italiancapo7 Wales - uk
Illinois
Thank God I found your channel! Listening to this & strolling on your feed QUALITY!!
You are a PHENOMENAL woman!!!!! All you bring to the table is so helpful and useful so the younger melanials like us don’t fall for the simple mistakes! Thank you!!!!
Great advise .I am sure your get ahead in life .keep saving♥️
Love the videos! 👏🏽👏🏽👏🏽
Erin you are refreshing and thank you for being so down to earth. I agree with you and your thoughts on spending....call me Frugal, I do a lot of no spend months. Other than food and gas, NOTHING....Can't wait to hear and see more of your content. Love what you are doing....just found you! Happy 2022!!!
Thanks so much. Everything I knew I should be doing but just needed a reminder. New subbie🧡
I watched this last week but came back to take notes. Thumbs up!
Thank you so much!
My weakness is buying stuff for other people. If I see they need food, children's clothes and as for me eating out. Recently started been working on this. Good video. Thank you for sharing.
DaxLogan1 That’s so kind! So happy there are still good people in the world. Just try to have a little more discipline on the frequency. Thanks for watching. Xo E
there are food shelters and goodwill/salvation army/thrift shops for gently worn clothing. You need to help yourself before you help others. There are resources out there and also a lot of people get comfortable when they see others giving them hand outs. Don't be an enabler. I prefer giving monthly out of my budget (based on my income not what others need)to charities that fund the resources I mentioned.
Thank you so much, Erin, for sharing your wonderful advise. What you are doing is most awesome and very smart in the long run. Keep up the great work that you are doing. LaTonya, God Bless
Just wanted to let you know that I am in my 50's and your advice has really made sense. Than you!
Great tips! Saving money is very important to everyone because it is the only way to save us in the future. Educate yourself and make it a habit. Thanks for sharing, Erin!
What I love about you is you are so smart and being so real and you are also beautiful! God Bless you for helping other people. ALL of the principles your talking about has helped me to become financially free. Haven't had to work for 8 years but i do earn money all the time thru rents and selling ALL kinds of things. Its sooo much FUN!!!! I get to travel any time I choose ect.... It works!!!
Thank you so much Patricia! That's so amazing! xo E
You are very well spoken and articulate. I wish i was like that. Thank you for the tips!!
I really enjoyed this video, thanks for the tips❤️
I think my weakness is shopping 😩 online shopping, especially with skin care products 😂. Great video. Thanks for the tips
So clear and honest. My weak spot is food & trinkets
Love the honesty in this video. We all do what we have to do; and in these times that means having multiple side hustles or moving back home - which I did a few years ago after getting laid off from my last corporate job. I decided to freelance and still finding my way, which includes figuring out the money part. So knowing that others are in the same boat makes me feel less scared.
Food and shopping! Thank you Erin something about you i just love. You keep it real and straight to the point love ya
Dope video. I’ve been really focusing on saving for a down payment on a house. Which is tough because I was a HUGE Jordan fan and new clothes guy. But, have to cut back to move forward.
Deff going to take some pointers from your video and apply them!
Keep pushing for that down payment, Jimmy! xo E
Jimmy V that was my problem cloths shoes and going out my man but it help so much . I saved 600 in a month I didn’t go out . That ones ,5. 20 50 10 100 what ever !! I call it a sacrifice . Everybody had one and that was mine . And I stoped going out to eat !! Like once every week and a half I go out to eat
I feel like I need to update my shoe game lol been a lil min . All mine are still in boxes . It’s tough !!! Wearing same cloths n shoes but look at the big picture it’s definitely worth it !!!
Thanks for the tips, Erin!!
Digit be taking all my little coins, until I check the app and see I have $60- 100 saved off a few coins.
I have BOA too and when I looked at the budget tool, I was shocked to see how much I'm spending on food & entertainment! I def need to cut off my "treat yo self, you get paid next week" spirit. Lol!
lmao! i feel you
Haha yeah girl “treat yo self” becomes a scam when it’s too often 😂 xo E
Man you ain't Lying!
Keep the content coming you're a great youtuber
Food and online shopping for sure. Thanks for the tips on saving girl!
Hey Erin, this is my first video that I've watched. I totally resonate with you girl! Discipline is everything, it applies to every aspect of our lives and everyone can do so much more if they grind through. I'm applying that not only in my savings but in my health as well. I got to do my exercise everyday, not a big fan of the sweat and muscle aches but its short term pain for long term gain. I'm also living with my parents at the moment and I don't give a crap about what people think; I'm not spending $1000 a month for rent to look independent in front of my friends, I am not freeloading in my parents' house either. I gave them rent money (better giving to family than strangers), cook dinner, clean the house and basically training myself to be a responsible and productive adult in society. Don't live for others, live for yourself.
Yayyyy Michigan subbie 😭😍 also amazing content I agree wholeheartedly!
Monie_tiana_ Ayyye Michigan Fam! Thanks babe! Xo E
These were some great tips. I installed the Digit app a couple of years ago, set some goals and uninstalled it. I just went to check it after hearing you mention it and WOW!!! I linked an account that I don't use and I am just floored by the goals I set and I reached them both. Thank you!!!
Really great advice, thank you for sharing your perspective.
Very smart girl. You have so much wisdom that others need. Also, you're so pretty. Thanks for sharing. 👌🙄
Sooo good! Keep dropping gems girl, rooting for you!
Ashley McDonough thanks Ashley! 😘😘
Best financing video👏🏾 I’m 18 and I just started really saving and budgeting and this was just the extra inspiration I needed so thank you!💙
I love this. Saving for a house. Had to make the tough decision to move back home to save and i find myself still struggling. Partly because i had to clean up all of my bad financial mistakes first, which cost me a lot. So thank you for this! So helpful and encouraging
Thanks for sharing! I hope you get that house! It is tough but you can make it with discipline. Maybe find an accountability partner to help keep your spirits high. Also think about side hustling if need an income increase. There are a million YT videos on side-hustles you can pick up! xo E
Thank you Queen!!! Love talks about finances. My goal is stacking $10K as well and to keep going from there and invest in assets
You can do it! xoE
My problem is that I have no problem working 8 hours in a day for a lipstick from Sephora. Lmao.
I don't value my time enough to really think of it that way. Great tips, regardless!
Moon Chromosome Saaaame! At this point to really hone in on this saving discipline, YT & IG have to go bcuz these makeup tutorials are killing my pockets 😂😂😂
Thanks for sharing, this was really well put together
This was sooo amazingly helpful!! Thank youuuuuu!!❤️🙌🏾🙌🏾🙌🏾
Yes teach Goddess!🙌🏾
My weakness is shopping and when the clothing stores have sales. Gap, old navy, amazon, children’s place, Carter’s, Oshkosh, Nike outlet😩😩😩 I just recently had to remove myself from a lot of those emails because seeing them made me weak and wanting to buy stuff knowing I don’t need it. Thanks for sharing those tips. I’m also doing a no spend for at least 15 days out of the month and see what I save. I been meal prepping my food for lunch and dinner and it makes it a lot easier to keep from buying lunch while at work. I’ve also been budgeting and giving every dollar a job to work on my debt, raising my credit score and manifesting in my dream car and home.
A good idea for you too would be selling some extra clothes maybe you don’t need on depop, posh mark, and apps/web stores where you can resell your clothing! :)
I have the same issue. I’m a shop-a-holic (i’m a student btw) ! I just love buying new clothes. I usually do it out of boredom ☹️.. since I just turned 23, it’s time for me to start saving cuz after I turn 40 I dont wanna work ‘fulltime’ anymore.
do you live in oshkosh, wisconsin?
Very wise young woman! You’ll be so grateful in the future that you made the right decision to be a good steward of your resources. Big kiddos to you!!
I swear I watch your videos every day after I'm done with my morning routine and you give me so much motivation tbh
my weak spot is food.. im sure if i stopped eating i could lose 30 pounds lol
I use Walmart grocery pickup because it’s free! And that way I can stay in my grocery budget and when something I need runs out in my party I just put it right on the app! This way I’m not grabbing random things at the store
That's so smart! I never thought of that. I'll have to do that more often. 😁👍✨
Love your content. Just gained a new subscriber !
So so so helpful! Taking notes on paper back and front! Definitely practical and therapeutic after having a little breakdown cry lol. Trying to turn things around before the end of the year. So much pressure
Lmao at “but wait, don’t leave”
Because I was surely about to head out lol
I always go thru the comments first before watching and I am assuming she said that after she said to move back in with your parents lol 😂
Beauty and brains. 👑❤️ New subbie. 🙌
Thanks babe! xo E
Thank you! I'm starting late, but I'm starting nevertheless. I love your realistic tips
Awesome video Erin, and thanks for sharing. Thumbs up#1
Thanks so much! xo E
Amazon is my weakness...ugh🙄
Girl, ain’t that the truth!! Xo E
Delete the app and unsubscribe:$
find deals online such slickdeals / dealnews..
Try Mercari...omg you will be hooked your first day. I been selling and buying on there 4 years now and it's so addictive just like the first day I downloaded the app...ITS STILL ADDICTIVE TO THIS DAY
😂
I finally saved that much as well. Except I wasn't able to move back home but I stay in the city I went to college. I use a credit card as a convenience. My weakness is food.
shantrice jones That’s amazing!! Yes, I think food is the world’s weakness lol. It’s so hard to resist! Xo E
Once you said Increase your Income & Decrees your Expenses. I def gave this video a Thumbs up. You are a wise young lady
Erin, you are a life saver girlfriend! Definitely gonna print out my bank statements tomorrow and try this!