Hey Christine. 2020 taught me a LOT. One was why was I spending $200 every 6 to 7 weeks highlighting and low lighting my hair to cover up my gray hair??? Then it clicked… 💡💡💡 Ditch the color and EMBRACE my true self, gray hair and all. I have never been happier with my virgin salt and pepper hair❤ 🤩🤗🙌🏻 My hair now has natural highlights and low lights ❤ I love it!!! Why try to be someone who we are not?? Natural Salt and pepper hair for the win 🏆❤❤🎉
100% here for natural beauty and I'm so glad you're happy and healthy! A lot of clients have joined this natural movement with you! That's why I'm here on the money saving videos😂 everyone going natural and saving$$$, us Cosmetologists are losing $$$ 🤷♀️
I just learned to color my own for now, having started rather early in life to go white. I spend maybe 10 percent of that figure, and so far, so good. 😮
I just found out I’m losing my job in a shutdown 2 days before Thanksgiving. Thanks for all of the tips you’ve given over the years. I have 6 months expenses saved in HYSA. ❤
Building wealth involves developing good habits like regularly putting money away in intervals for solid investments.Starting early is simply the best way of getting ahead to build wealth , investing remains a priority . I learnt from my last year's experience , I am able to build a suitable life beause I invested early ahead this time .
If you're new to investing or don't have much time, it's best to get advice from an expert. Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience.
That makes sense. I’ve been using a financial market expert for two years now and I own a six-figure diversified portfolio from investing in stocks. I want to diversify more this year, though.
@@PatrickLloyd- Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve my financial goals.
Sophie Lynn Carrabus is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
hi Christine im 16 and just feel so prepared for the future because of you in case im tight on money and need to budget or alternatives to things that i buy normally thank you so much!!
My dad is 73. He goes for a walk every day and does weight machines at the gym almost every day. He's able to travel and also spend time with my kids in ways that my grandparents were never able to with me. He is #aginggoals for me 💙
I’m 73, spend an hour in the gym 6 days a week. I feel better than I did 10 years ago. No more blood pressure issues, A1c is normal, cholesterol is normal. Well worth the $10 a month at planet fitness.
When you talked about financial goals, I was thinking about the similarities to fitness goals. On aging, we brought home our last child, to adopt, from the hospital at age 47. We already had 6 other kids in our home. So the short story is I did not take care of my health. The end of April, my husband and I committed to getting healthy, and I have lost almost 50lbs. More importantly, I am exercising in some way six times a week, never have I ever! I have muscles, I can do so many things I couldn't do before. Yes, go move your body, and change the way you eat. You won't regret it!! That baby is now 11yo, and in less than 4 weeks I will turn 59! It is not too late for anyone!
As you get older you realize it is state of mind. I often have to stop and think “how old am I?” I will be 70! At the end of the month but still feel decades younger. Also when I wanted to purchase a house I kept track of my spending for several months and was surprised at how much I spent on “little” things that I thought weren’t a big deal but they took a lot of my budget. Love your channel and your energy.
NICOLE ANASTASIA PLUMLEE is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.
Yes! I'm celebrating £32K stock portfolio today... Started this journey with £3K.... I've invested no time and also with the right terms, now I have time for my family an…
when someone is straight forward and good at what she does best. People will always speak for them. For me I can would say give Mrs Jenna Brooklyn of finance education a try and you be happy you did
Don’t sell yourself short on your skills! You share your amazing skills with us with each video you make, not to mention your mountain biking, running, and all of the physical amazing news you do. ❤
I just checked my savings this year. I save $1687.13 from January through October to date just on groceries. I am a scrooge when it comes to spending money, getting coupons and fuel point savings. I am 70 yo. I actually enjoy cleaning houses for Seniors. They pay $90-$125 for 3 hours work. I also clean for realtors on move outs. $$$$. I went out to eat after church 2 weeks ago with a group. $40. I almost had a panic attack. The rest acted like that was the normal. NOT GOING TO HAPPEN AGAIN.
Yep, I agree. Way to expensive to eat out. Even if you only eat the cheapest stuff on the menu and only drink water. Heck, I think a burger and fries where 15.00 the other day someone invited me out. I could have made that at home for a fraction of the cost.
If you go out again, look at the appetizer menu. Though they can be pricey too, depending where you go. Sometimes a main entree is more worth it if you take half home for another meal. Makes the pain more bearable. No alcohol and drink water with lemon.
Christine, as a 65 year old who has been working out for at least the last 35 years, you are spot on with the workout advice! Aerobics, walking, weights, step and even Jane Fonda and Jazzercise back in the day😂 Find something you love, that keeps you motivated, that makes you feel alive. I have seen such a decline in some of my friends and my husband (yes, I have talked a blue streak and have tried to set a good example, but to no avail) Great video!
At 65 gyms are free with silver sneakers sign up. I am 65 and go free to gym. Which came in handy when my hot water heater died. Now, I shower at gym. (6 miles away)
this is so spot on! people should definitely listen to you. My husband and I lived under our means, saved and invested, drove used vehicles and had a goal of $1M in savings for retirement. we over achieved.
Under the table house cleaning pays less than $20/h in my area. It's still easy money because the vast majority of people do a rush clean of their house before the cleaner arrives.
wow - private house cleaners charge $50/hr up here - am a young senior with disabling health issues and haven’t had help in five yrs - so many folks are aging out themselves so not taking on new clients - no way I can afford companies - wouldn’t mind helping someone pay down their debts if they took on cleaning jobs 🇨🇦🙏
1st I looked at the date when this started cuz you look younger. The haircut/color looks great! 2nd somewhere between turning 40 and now at 53 I stopped being as active as I was. I lost muscle, stamina & balance at an alarming rate! I'm slowly getting it back but if you can avoid losing it do so! 3rd Thank you for being you and helping some of us that need your contagious energy and wisdom.
My husband and i have to tell each other everytime we buy something. It keeps us accountable and stops us from nickle and diming ourselves and going over budget.
I started water aerobics a couple of years ago and love it! Best thing I ever did. I not only feel better and my health has improved but i made new friends also. I agree I see those at the gym who are in their 70's and 80's and they are rock stars! Much better shape then i am in my 50's. LOL Anyway, now I need to work on my emergency fund. Thanks for the videos!
Choosing your short term pain can be incredibly empowering. Take on a second job for 6 months? Sucks. Tough. Exhausting. But once you write down your goals and target your behavior toward them, you can power through the short term challenges. Thank you for your channel!
ETFs have much lower fees than mutual funds. I absolutly agree on working out. I'm 61 not on any medications and the same weight as when I was 20. Also, I colourd my hair until I was about 55 then grew out my silver curls. I now get compliments on my hair all the time. You may embrace your silvers once you have 50%. Saves me a fortune.
End story, can confirm - my mom is 20 years older than you and she exercises 5-6 days a week. People are always shocked she’s in her 60s. She didn’t start going gray until around 60.
I went from being my own boss and being self-employed for the last 5 years to having to close my store and now technically being unemployed. No one prepares you for how devastating an injury can be when your self employed. Sometimes out of nowhere it'll be like you can't breathe just thinking about it for a second. In closing a business it feels like I'm bleeding money, so saving money seems like a fever dream😳. I will now need a work at home job, gotta dust off my resume, so crossing fingers here goes nothing🤞😔.
Wishing you all the best! Keep your chin up, having been self-employed gives you lots of skills many other job seekers don't have and a better candidate right off the bat!
I’m 67 yo. I’m no athlete, but I’ve committed to exercise regularly over the past 15 years or so. When I was younger and money was tighter, I wasn’t sure I should splurge on personal training. But, I was feeling very heavy and slow. I needed the help. A good personal trainer can actually save you time by developing a workout schedule that addresses your specific needs. You don’t just wander into the gym and fumble around. Anyway, I think I’m one of those healthy old people you talk about. Except for some arthritis in my hands, I live pretty much pain free. I can walk, climb stairs, and stand for long periods of time. My bone density is off the charts for my age.I’m overweight, still, but active. Exercise is the key.
Diversification is the secret to optimal performance. This is why I have my interests set on market sectors based on performance and projected growth, such as the EV sector, renewable energy, Tech, and Health. Keep investing regularly and you'll be blown away how much it can change in a few short years. Here's to $1 million and to FIRE
If you don’t understand the markets, stick to an index like the S&P 500. Dollar cost average and hold long term, or better still consider financial advisory to avoid losses
Sometimes I'm surprised most people don't even know they can do that. I've been making at least 200k every year from my investments by working with an FA. When you realise it, it feels like a life hack.
Wow, that's interesting . I've recently been exploring the option of working with an FA too. Any chance you could recommend who you work with? in her area and works for Empower Financial
‘’Aileen Gertrude Tippy’’ is her name. She is regarded as a geniusl Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.
As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.
People dismiss the importance of advisors until they are burned by their own emotions. I remember a couple of summers ago, following my lengthy divorce, I needed a good boost to assist my business stay alive, so I looked for qualified consultants and came across someone with the highest qualifications. She has helped me raise my reserve from $275k to $850k, despite inflation.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with *Julianne Iwersen-Niemann* for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
I’d be retiring or working less in 5 years, and only curious to know how best people split their pay, how much goes into savings, spendings or investments? I earn around $200K per year but nothing to show for it. I'm considered HENRY (High Earner Not Rich Yet)
consider financial planning, don't be a marketing niche for luxury brands like Gucci and Tag Heuer without having your income reproduce more money for you
I’m quite lucky exposed to personal finance at an early age, started job 19, purchased first home 28. Going forward, got laid-off at 36 amid covid-outbreak, and at once hired an advisor to help stay afloat. As of today, my portfolio has yielded over 300%, just about 10% shy of $ 1m. Stay motivated friends
She goes by ''Sophia Verdekal O'neal'' a renowned figure in the financial industry with over two decades of experience. I'd suggest you research her further on the web.
thanks for sharing, I must say Sophia Verdekal O'neal appears to be quite knowledgeable.. curiously copied and pasted her full name on the web and at once came across her consulting page, no bs!
Happy Birthday Christine! I always wondered why we get the wavy arm droop, as we age, cause I do work my arms out. Must be the protein thing, with muscle mass. Makes sense. I will try to up my protein even more. Thx for all your tips and all your energy 😊
As always, you have great, practical tips. My advice would be to start EARLY! From childhood start saving 10% off the top and put it in savings, high yield, and stocks/bonds/mutual funds for compound interest. You can’t rely that your life won’t go sideways where your health or life takes a dive. I am now disabled and without an income. I’m grateful that I have a lifetime habit of saving $ and living frugally ❤
Better late than never. I didn’t really start saving until I divorced in my mid 30s. I was still able to retire early at age 60. I intentionally cut my self a bit short when I first retired, figuring I could go back to work if I had to, I decided a bit of frugality was better than working a job I had come to hate. I’m in my 70s now and never had to go back to work. And subsequently have more income than when I retired by watching my spending. I’m living on my retirement income and still saving about 40% of my income. When our house over 100 years old needs a repair or upgrade, we pay for it in total, not taking on debt at my age. If it isn’t an emergency we save for a major expenditure. Mostly by making savings a priority, living more frugally than absolutely necessary. I still want treats in my life so indulge in some but not all desires. And I’d also suggest something I learned while still working; only discuss finances with friends and family that share and support your goals. When I established a “spending plan” I stuck with it. Almost everyone I know has heard me say, “Can’t do it, it isn’t in the budget.” That wasn’t completely true, I could do whatever it was if I was willing to trash my long term goals and plans. More accurate would have been to say, “ I can’t make myself risk my future security for a fun weekend on the other side of the country.” A frugal friend and I were talking that it was great to be a the point in our lives when we could afford, whatever we wanted. She laughed and said “the trick is to not want too much”.
Today I turned 45 and It is blowing my mind since my brain thinks I couldn't be more than 30! haha The gray hair has not been my friend. Broke my heart a little bit.
Besides being chief cook and bottle washer you are financial planner family supreme ! You have taught your children by example grasshopper !!!! Your skill set includes you tube videos/ sales / motivational speaking ! I could not agree more to keep moving ! At 67 I move more today then I did from my late teens / to 50’s !!! I am in better shape and weigh less then in high school and I am motivating my husband to do the same ! I am team Christine ! You go girl ! ❤glenda in Mesa where it’s always warm and sunny 😂
I love your channel and the tip at the end to increase your heart rate and workout today was the cherry on top! I have considered making a UA-cam channel for years and made attempts and then gave up many times but I truly always gravitate towards the content I would also be sharing if I had UA-cam following! I love to see like minded people and when they share these tips! You’re awesome!
I replaced a dishwasher and was able to pay for it with cash. But I also don't have a mortgage and have saved the money. New stove will be next. I shop harris teeter and I get points to get so much off a gallon of gas and the some with circle k
We invested $10k in Nvidia in 2016. By 2022 it was worth over $300k. That was lucky. But I certainly agree that mutual funds are generally less risky and probably a safer bet than playing the stock market.
Wow, Christine, you were on fire and all over the map in this video happy happy birthday and just let me tell you as a 55-year-old, I’m not quite sure how I got here but I feel the same as I did 45 or 35 except that, like you said, the older you get the less you worry or care about the little things. It’s all fabulous! Oh, and when you’re talking about your birthday today, it made me remember your video when you talked about how fabulous it was going to be to pay off your mortgage before you turn 40! Ha ha good times, you help me out so much!
I’ve done a huge budget & due diligence to cut my costs where I need it the most. It’s surprising what we spend on that is unnecessary. I enjoy your videos because you make me feel ok by doing all these budgeting tips. Also I love the writing down financial goals !! 🎉🎉
Spot on about that last piece of staying active as we age becoming REALLY important! And BTW eating healthy is one of the BEST long-term savings strategies silent saves a huge amount of medical costs as we age too! Not to mention betterquality of life too. Great video! Thanks.😍
Happy birthday! Love your hair color but don't forget we EARNED those gray hairs! P.S. thanks for the exercise pep talk. I do not want to lose my functionality and independence as I age. Would love more videos like that.
Hi Christine! Thanks for your videos! Your excitement inspires me. Just a thought, I have a home warranty. I’m a single mom and love the security of knowing things are taken care of if something goes wrong. I’ve used it a few times every year since I got it so it’s more than paid off.
When I first started the video, I thought, Oh no! What has she done to her hair? I would highly recommend not coloring your hair this dark, and better yet, just let the natural gray come! It is all about your mindset. You don't look "old" at all and should not stress about gray hair. Life is too short for such things! I got my first gray hairs in my early 30's and colored my hair for years. It became such a hassle I finally stopped and have never regretted it! Now I get compliments all the time on my silver hair, that shines in the sunlight. Wisdom comes with age, and gray hair is a reflection of that, enjoy it!
I really enjoyed this video, thanks! I think you seriously underestimated the cost of the ''standard' Starbucks drink order and typical fast-food lunch order - that's another $10/day right there - crazy.
@@dianasimplifies - WOW.😵 That is just crazy - especially since most of the ingredients are not real food. I haven't eaten any fast food for at least seven years because it tastes so fake, but I'm thankful I don't like it at these prices!!! Ooofff!!!
@@betterlivingonabudget right! We started going to a mom and pop type place a few years ago and we can get a burger plate for less than that. 💜also great quality.
My god!! I don’t even make $833 a month!!! I make it but don’t clear it because of taxes!! I used to be able to take furniture items from the dumpsters in my area and I’ve refurbished several pieces and sold them but there are cameras up now to catch people taking stuff from them!! I think that’s just awful!! I mean , it’s obviously not wanted by someone!!! I have a huge handmade chest of drawers that I snagged before it became illegal and it’s one of my favorite things!!!
I know in our area there's a guy who advertises through facebook that he will come get free stuff from people (I think now he just has a trailer out front so people can drop off). So, maybe if there's a way to do it safely and put a post on facebook that people can message you if they have free furniture but don't want to haul it off to the dump or dumpster. They could just let you know, then haul it out to their curb or whatever. Just an idea because I hate seeing good furniture go to waste and it's awesome that you're able to fix it up so it gets new life.
Garage sales at the end, they just want to get rid of it and may give it to you for free. Community pages where they give stuff for free. Just drive around, people put stuff out, you can ask for it.
I’m retired. Your story of a conservative savings profile is a common one. Any course of action involves risks. You might be avoiding market risk, but you are taking on other risks like inflation and reinvestment risk.
My wife is willing to work for another 5 years if needed. Are we in good shape? Will we be okay if I begin withdrawing from Social Security when I’m 62 and my wife is 67? Should we hire a financial planner to help us navigate this?
Certainly get a pro to look at your predicament (if you even have one, lol) A second opinion from acomprehensive financial adviser can help you look at more than just your current estimate of cash flow and needs but also longevity risk, outliving your money, tax considerations, legacy planning, healthcare costs, inflation and a myriad of other things you may not be considering when reviewing your current situation
Thank you for your video, I enjoyed it, and I am taking your advice to heart, though I lived on a Social Security budget & my life is pretty busy, I can see some areas where I can improve and increase my budget.
I made my first adult decision about money like 10 years ago - I setup some investment plan with really not very big monthly payment (even the it was like 5-6% our income)... I got return this year and I earned like 33% in ten years (including Covid time). In couple weeks we will be almost mortgage free - we'll use those money to make a huge payment for our home. Meantime we changed jobs for better, I shelf-cooking for YEARS!, have crappy car but it runs on so little gas money... BUT the feeling I don't have to worry about money it sooo liberating! I know almost ANYTHING can happen and I don't be in debts... of course we have couple insurances also ;)
I know this is a financial video, but I have a fitness question. I am trying to get healthier and recently took a barre class for the first time. It was hard, but I made it through. What would you suggest as a starting point for keeping with a fitness regimen and what types of fitness do you think is best for getting back into it all?
I saved 10k In 5 months by collecting change, how did I do that? By hunting the coinstar machines, people often forget their change rejected by the machine, it might not be much but it adds up
@debiwillis9045 . Many, where should I start. No Computer for work at home. No internet. Just phone. No Descent Work Clothes, No Appropriate Shoes. No Bus Service, tried Taxi but it's $15.00 To start a trip one way. On Oxygen 24/7, I passout when it is inconvenient. No need to mention but Heart Condition and 2 Concussion that have.lasting results. Well what else would you like to know Oh Covid 7 time, 6 Pneumonia, Eyes are bad and a few other things. I was Health till I Had Covid and Pmumonua, and poisoned by Rx meds aswell, I am willing to work I just don't have the Energy in used to have. Oh I do have an Education beyond High School. Is that OK. All is truth. There is more if you like. Oh I would love to work. I have family I'd like to see once n a while as well. I have alot of reasons I would love to work. But my reasons over Cone my Ailments at this time.
@debiwillis9045 Well this is the 3rd time I have put in Reasons. I keeps disappearing. I have A few Medical conditions as well as financial. My vehicle is a bit unreliable, No Bus Service here, Taxi starts at $15.00 plus. Can't be to Physical, on O2 Daily. Had 2 Concussions with ill effects, Pass out when it's inconvenient, had Covid 5 times and Pnumonia 6 times both which has Damaged my lungs, I pass out when it's inconvenient, that a good one. I am trying to stay active. Can't somedays. Oh and I have A Degree in Drafting n Design, was and EMTII. Worked the ER and Hospitals and Nursing Homes, Wrangled Horses. I had a life that many wish they had some of. Been to 37 Countries and States n Provences, Lived in Europe, Lived in Hawaii and afew other Places. I have been working since I was 15 yrs old. I don't have anyone but me to care for. I am as I am. Can't change that. I do with what I have. Remember the Good Days and try to to Pass the Bad. I have been Blessed in my Younger Life so I can Enjoy my Memories. I just made a comment on a post...I hope you can understand when someone says they can't. It isn't always a lame excuse. Have a Good Day. 🙏🙏😊.
@lizpimentel2566 exactly. I used to clean houses and detail vehicles occasionally, when my kids were little. My husband had a full time job and a side hustle. Now I homeschool my youngest, which is a full time job, haul my middle child to school and back, do all the domestic stuff while my husband has his regular shift work job, and thought, 'holy smokes, how would I even have time or energy at this point to do a side hustle?' I loved this video, and would love to set a couple goals, but I think my priority right now is just to get my kids through school and their teens with the best outlook possible. My real dream is to move out on property again, but that's a very hefty goal, and I/we would have to upset the proverbial applecart to achieve it. It's all a balance.
I see your logic, but isn't the purpose of "buy nothing" groups to give away the items no longer needed to those who would use them. They were never meant for profit, so flipping items from there feels like taking advantage of someone's good will. If the original owners knew you are planning to flip, maybe they would choose to give the item to someone else
I’ve watched a lot of your videos. Your grocery deals are insane and something we just don’t find in our area. We have 4 stores that feed an entire small city so discounted food is sometimes just not there! We clear it out before its expiry date. 30% off is the common discount you’d see if it was there. But that makes a jug of milk over $4 still. Anyways, we live beneath our means and have a spending/saving plan which has been working well for us on our lower income. Thanks for all your tips!
I stopped coloring. I’m almost 43 and gray. 🤷🏻♀️ I am trying to workout regularly so I can have a long a healthy rule but dang getting old is rough. ✌🏻
I can reasonable save $28 a MONTH and thats with 2 incomes, no car, no extras, i only have internet, electricity, rent and cell. I actually did A LOT of cutting costs to get that much. I physically can't do physical side hustles. I published 3 books and can't get them off the ground. Not everything is simple. I also have financial advisor back ground. It is insane. Not 1 person around us can afford a financial advisor and thise who can, pay a fortune because why use someone who can cut your financial advisor costs 50%? Where i live has a clear and hugely visible financial divide. You're either rich or 200% below poverty.
Hey Christine, don't underestimate the skills you have, you also have great cooking & parenting skills too - Also on the subject of age I turned 50 this summer & now I've heard some of the golden girls were 50 I'm definitely feeling old 😂 I'm also determined to start exercising more 💪
She's not wrong. I recently paid 300.00 to have my minivan detailed. And that was just the inside. I had taken my dog to the vet and on the way home, he peed in my car. My physical limitations keep me from doing that type of stuff so I hired it out.
I adore you and have been following for ages. You're damn inspirational and I've been saving money with your tips for a while now. Thank you for that. Happy Birthday. ❤🎉
Hello Christine, I am a little leery about getting these apps like Upside to get free money on stuff that I buy. What I would like to know is what do these companies get out of me signing up on the app ? Carla, 60, from Indiana.
I live in low income housing area, so many neighbors are on SNAP, Section 8 housing, etc. The richer areas are miles & minutes away. Do you have gigs for seniors or handicapped??
My take is just don’t buy the dishwasher, wash them by hand. Or repair the dishwasher yourself, my boyfriend and I did it for $200, the price of the part that needed replacing. My bf has a white collar job and I have no training in repairs.
We washed by hand for over 6 months when our 14 month old dishwasher kicked it in 2021(?) Of course, it took 5 months for the part to arrive and it came damaged. (It was the electronic motherboard) At that point we gave up and bought another new one. Even that was hard to come by as everyone else had given up faster than us 🤪😂
My husband just put a new element in my oven. It was a chore tracking down the right one,(also a relief it was the element and not the sensor panel or whatever) but man am I ever glad it got done! I make everything at home, and not having an oven was making me low key panic. There's only so much crockpot my family will tolerate😅
Oh how I feel you! This past summer we had to do exactly the same. Thank goodness for our Emergency fund!! 🎉 Now we are back on tract building our emergency fund back up ❤🎉
I feel like all the new appliances will need to be repaired or replaced within 5 years anymore as well. Our house/appliances are almost 7 years old now, and within the first 2-3 years, we had to repair the dishwasher, dryer, furnace, and stove(top). In the 3-6 year range, the oven, fridge and now the washer seems to be headed that way. Whe I had my 70's and 80s appliances, they lasted forever. I wish I had taken them with me to our new place.
House cleaning is available n cheaper here in my area in SoCal. I pay less than what u said. But my Starbucks is $9.00 for a small coffee n b/bread. Fidelity is a great investment firm.
Depends, my friends and I used to go to Starbucks a couple of times a week after water aerobics. It was a budgeted expense that let a bunch of women of various ages and very different lives connect and build friendships and support systems. Well worth the less than $10 a week I spent. I could save money elsewhere. Some of those women have died, but others of us still get together occasionally. It was worth every penny.
Great advice, Christine! The best advice that I have for saving for retirement is start early ... with your first paycheck. I started working when I was 18 and, of course saving money was foreign to me LOL I quickly learned, though. Decide on a certain amount and payroll deduct it. I started out with an annuity when I was in my late 20s and was able to start collecting monthly checks when I retired 9 years ago, along with SS and my pension. I also had 2 separate credit union accounts that I had money payroll deducted to. If I didn't see it, I didn't spend it, but it was there if I needed it. Several years ago, I started an emergency fund and was able to use it this year to pay cash for a new (to me) car when my old reliable wasn't any more. These are just some ways to save money that have worked for me. I realize that everyone's situation is different ... a large family with 2 incomes is different from a single mom or a single person.
Download the FREE Upside App at upside.app.link/frugal to get an extra 25 cents back for every gallon on your first tank of gas.
43, young and healthy! You should have one more BABY! 💖
Where do you have your investments? I’m looking at and considering a certain Vanguard ETF can’t remember the name of it I’m away from my notebook!
Hey Christine. 2020 taught me a LOT. One was why was I spending $200 every 6 to 7 weeks highlighting and low lighting my hair to cover up my gray hair??? Then it clicked… 💡💡💡 Ditch the color and EMBRACE my true self, gray hair and all. I have never been happier with my virgin salt and pepper hair❤ 🤩🤗🙌🏻 My hair now has natural highlights and low lights ❤ I love it!!! Why try to be someone who we are not?? Natural Salt and pepper hair for the win 🏆❤❤🎉
I just call mine Antique Blonde
100% here for natural beauty and I'm so glad you're happy and healthy! A lot of clients have joined this natural movement with you! That's why I'm here on the money saving videos😂 everyone going natural and saving$$$, us Cosmetologists are losing $$$ 🤷♀️
B. Oh, I love that! My friend calls hers, "My sparkles."
I just learned to color my own for now, having started rather early in life to go white. I spend maybe 10 percent of that figure, and so far, so good. 😮
50 is not old. Your 50's and 60's are the best
I'm 73 going on 74 in Dec. I walk 5-6 days a week weights 2-3 times a week. I"m on no medications.
No meds is why you are still walking and lifting, I think. Blood pressure meds make your joints and feet swell.
I just found out I’m losing my job in a shutdown 2 days before Thanksgiving. Thanks for all of the tips you’ve given over the years. I have 6 months expenses saved in HYSA. ❤
Building wealth involves developing good habits like regularly putting money away in intervals for solid investments.Starting early is simply the best way of getting ahead to build wealth , investing remains a priority . I learnt from my last year's experience , I am able to build a suitable life beause I invested early ahead this time .
If you're new to investing or don't have much time, it's best to get advice from an expert. Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience.
That makes sense. I’ve been using a financial market expert for two years now and I own a six-figure diversified portfolio from investing in stocks. I want to diversify more this year, though.
@@PatrickLloyd- Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve my financial goals.
Sophie Lynn Carrabus is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
hi Christine im 16 and just feel so prepared for the future because of you in case im tight on money and need to budget or alternatives to things that i buy normally thank you so much!!
That’s awesome! Take advantage of compound interest. I tried to tell my kids.
My dad is 73. He goes for a walk every day and does weight machines at the gym almost every day. He's able to travel and also spend time with my kids in ways that my grandparents were never able to with me. He is #aginggoals for me 💙
I’m 73, spend an hour in the gym 6 days a week. I feel better than I did 10 years ago. No more blood pressure issues, A1c is normal, cholesterol is normal. Well worth the $10 a month at planet fitness.
My (written down) goal is to save $50k in 3.5 years 🤞
I hope you get it
When you talked about financial goals, I was thinking about the similarities to fitness goals. On aging, we brought home our last child, to adopt, from the hospital at age 47. We already had 6 other kids in our home. So the short story is I did not take care of my health. The end of April, my husband and I committed to getting healthy, and I have lost almost 50lbs. More importantly, I am exercising in some way six times a week, never have I ever! I have muscles, I can do so many things I couldn't do before. Yes, go move your body, and change the way you eat. You won't regret it!! That baby is now 11yo, and in less than 4 weeks I will turn 59! It is not too late for anyone!
Thank you for adopting! That is so beautiful!!
As you get older you realize it is state of mind. I often have to stop and think “how old am I?” I will be 70! At the end of the month but still feel decades younger.
Also when I wanted to purchase a house I kept track of my spending for several months and was surprised at how much I spent on “little” things that I thought weren’t a big deal but they took a lot of my budget.
Love your channel and your energy.
Investments are the roots of financial security; the deeper they grow, the stronger your future will be."
The deeper your investment roots, the stronger your financial security will be in the future.
Exactly! With my adviser, I’ve cultivated deep investment roots, strengthening my financial security for the future.
NICOLE ANASTASIA PLUMLEE is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.
My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further.
Thank you for this amazing tip. I just looked the name up and wrote her.
*I'm glad you made this video* it reminds me of my transformation from a nobody to good home, $34k monthly and a good daughter full of love..
As a beginner what do I need to do? How can I invest, on which platform? If you know any please share.
Yes! I'm celebrating £32K stock portfolio today...
Started this journey with £3K.... I've invested no time and also with the right terms, now I have time for my family an…
when someone is straight forward and good at what she does best. People will always speak for them. For me I can would say give Mrs Jenna Brooklyn of finance education a try and you be happy you did
Started with 5,000$ and Withdrew profits
89,000$
I'm glad to write her tay I do hope she will help handle my paycheck properly☺️☺️☺️
Can I start with as low as $1,000?
Don’t sell yourself short on your skills! You share your amazing skills with us with each video you make, not to mention your mountain biking, running, and all of the physical amazing news you do. ❤
Thank you so much!
I just checked my savings this year. I save $1687.13 from January through October to date just on groceries. I am a scrooge when it comes to spending money, getting coupons and fuel point savings. I am 70 yo. I actually enjoy cleaning houses for Seniors. They pay $90-$125 for 3 hours work. I also clean for realtors on move outs. $$$$. I went out to eat after church 2 weeks ago with a group. $40. I almost had a panic attack. The rest acted like that was the normal. NOT GOING TO HAPPEN AGAIN.
Yep, I agree. Way to expensive to eat out. Even if you only eat the cheapest stuff on the menu and only drink water. Heck, I think a burger and fries where 15.00 the other day someone invited me out.
I could have made that at home for a fraction of the cost.
If you go out again, look at the appetizer menu. Though they can be pricey too, depending where you go. Sometimes a main entree is more worth it if you take half home for another meal. Makes the pain more bearable. No alcohol and drink water with lemon.
Girl, I’m 62 soon to be 63 on January 2. You’re alive and kicking. Celebrate it.
Amen! I’ll be 64 in January and I don’t care about anyones opinion! I’ll do what I want, when I want.
Wow! You’ve CONQUERED 2nd grade math!!!
@ no reason to be an a$$hole. Grow up.
Christine, as a 65 year old who has been working out for at least the last 35 years, you are spot on with the workout advice! Aerobics, walking, weights, step and even Jane Fonda and Jazzercise back in the day😂 Find something you love, that keeps you motivated, that makes you feel alive. I have seen such a decline in some of my friends and my husband (yes, I have talked a blue streak and have tried to set a good example, but to no avail) Great video!
At 65 gyms are free with silver sneakers sign up. I am 65 and go free to gym. Which came in handy when my hot water heater died. Now, I shower at gym. (6 miles away)
this is so spot on! people should definitely listen to you. My husband and I lived under our means, saved and invested, drove used vehicles and had a goal of $1M in savings for retirement. we over achieved.
Your hair color looks fabulous! I started noticing "tinsel" in my hair when I wasn't even 30 yet. I've earned every strand 😊
Love it!
I call those my shinies or sparkleys. I love them.
Under the table house cleaning pays less than $20/h in my area. It's still easy money because the vast majority of people do a rush clean of their house before the cleaner arrives.
wow - private house cleaners charge $50/hr up here - am a young senior with disabling health issues and haven’t had help in five yrs - so many folks are aging out themselves so not taking on new clients - no way I can afford companies - wouldn’t mind helping someone pay down their debts if they took on cleaning jobs 🇨🇦🙏
1st I looked at the date when this started cuz you look younger. The haircut/color looks great! 2nd somewhere between turning 40 and now at 53 I stopped being as active as I was. I lost muscle, stamina & balance at an alarming rate! I'm slowly getting it back but if you can avoid losing it do so! 3rd Thank you for being you and helping some of us that need your contagious energy and wisdom.
My husband and i have to tell each other everytime we buy something. It keeps us accountable and stops us from nickle and diming ourselves and going over budget.
I started water aerobics a couple of years ago and love it! Best thing I ever did. I not only feel better and my health has improved but i made new friends also. I agree I see those at the gym who are in their 70's and 80's and they are rock stars! Much better shape then i am in my 50's. LOL Anyway, now I need to work on my emergency fund. Thanks for the videos!
Choosing your short term pain can be incredibly empowering. Take on a second job for 6 months? Sucks. Tough. Exhausting. But once you write down your goals and target your behavior toward them, you can power through the short term challenges. Thank you for your channel!
I'm also 43, and my back is hurting today so I didn't go to the gym. But I consistently go 3 times a week, usually with friends. I love it!
ETFs have much lower fees than mutual funds. I absolutly agree on working out. I'm 61 not on any medications and the same weight as when I was 20. Also, I colourd my hair until I was about 55 then grew out my silver curls. I now get compliments on my hair all the time. You may embrace your silvers once you have 50%. Saves me a fortune.
End story, can confirm - my mom is 20 years older than you and she exercises 5-6 days a week. People are always shocked she’s in her 60s. She didn’t start going gray until around 60.
I went from being my own boss and being self-employed for the last 5 years to having to close my store and now technically being unemployed. No one prepares you for how devastating an injury can be when your self employed. Sometimes out of nowhere it'll be like you can't breathe just thinking about it for a second. In closing a business it feels like I'm bleeding money, so saving money seems like a fever dream😳. I will now need a work at home job, gotta dust off my resume, so crossing fingers here goes nothing🤞😔.
Praying all goes well for you ❤
Wishing you all the best! Keep your chin up, having been self-employed gives you lots of skills many other job seekers don't have and a better candidate right off the bat!
my aunt is my inspo! I workout already but my aunt entered a weight lifting comp at 79! She also climbed mt kilimajarno nbd lol.
I knitted pumpkins and sold them. If paid my light bill
I’m 67 yo. I’m no athlete, but I’ve committed to exercise regularly over the past 15 years or so. When I was younger and money was tighter, I wasn’t sure I should splurge on personal training. But, I was feeling very heavy and slow. I needed the help. A good personal trainer can actually save you time by developing a workout schedule that addresses your specific needs. You don’t just wander into the gym and fumble around. Anyway, I think I’m one of those healthy old people you talk about. Except for some arthritis in my hands, I live pretty much pain free. I can walk, climb stairs, and stand for long periods of time. My bone density is off the charts for my age.I’m overweight, still, but active. Exercise is the key.
Diversification is the secret to optimal performance. This is why I have my interests set on market sectors based on performance and projected growth, such as the EV sector, renewable energy, Tech, and Health. Keep investing regularly and you'll be blown away how much it can change in a few short years. Here's to $1 million and to FIRE
If you don’t understand the markets, stick to an index like the S&P 500. Dollar cost average and hold long term, or better still consider financial advisory to avoid losses
Sometimes I'm surprised most people don't even know they can do that. I've been making at least 200k every year from my investments by working with an FA. When you realise it, it feels like a life hack.
Wow, that's interesting . I've recently been exploring the option of working with an FA too. Any chance you could recommend who you work with? in her area and works for Empower Financial
‘’Aileen Gertrude Tippy’’ is her name. She is regarded as a geniusl Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.
Thanks a lot for the recommendation. I'll send her an email and I hope I'm able to connect with her.
As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.
Well as you know bigger risk, bigger results, but such impeccable high-value trades are often carried out by pros.
People dismiss the importance of advisors until they are burned by their own emotions. I remember a couple of summers ago, following my lengthy divorce, I needed a good boost to assist my business stay alive, so I looked for qualified consultants and came across someone with the highest qualifications. She has helped me raise my reserve from $275k to $850k, despite inflation.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with *Julianne Iwersen-Niemann* for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
I simply Googled her name and her website came up right away. So far, it appears interesting. I emailed her, and I hope she responds soon. Thanks
I’d be retiring or working less in 5 years, and only curious to know how best people split their pay, how much goes into savings, spendings or investments? I earn around $200K per year but nothing to show for it. I'm considered HENRY (High Earner Not Rich Yet)
consider financial planning, don't be a marketing niche for luxury brands like Gucci and Tag Heuer without having your income reproduce more money for you
I’m quite lucky exposed to personal finance at an early age, started job 19, purchased first home 28. Going forward, got laid-off at 36 amid covid-outbreak, and at once hired an advisor to help stay afloat. As of today, my portfolio has yielded over 300%, just about 10% shy of $ 1m. Stay motivated friends
@@everceen this is awesome! mind sharing advisor basic info please? in dire need of financial planning for my eventual retirement
She goes by ''Sophia Verdekal O'neal'' a renowned figure in the financial industry with over two decades of experience. I'd suggest you research her further on the web.
thanks for sharing, I must say Sophia Verdekal O'neal appears to be quite knowledgeable.. curiously copied and pasted her full name on the web and at once came across her consulting page, no bs!
Happy Birthday Christine! I always wondered why we get the wavy arm droop, as we age, cause I do work my arms out. Must be the protein thing, with muscle mass. Makes sense. I will try to up my protein even more. Thx for all your tips and all your energy 😊
As always, you have great, practical tips. My advice would be to start EARLY! From childhood start saving 10% off the top and put it in savings, high yield, and stocks/bonds/mutual funds for compound interest. You can’t rely that your life won’t go sideways where your health or life takes a dive. I am now disabled and without an income. I’m grateful that I have a lifetime habit of saving $ and living frugally ❤
Better late than never. I didn’t really start saving until I divorced in my mid 30s. I was still able to retire early at age 60. I intentionally cut my self a bit short when I first retired, figuring I could go back to work if I had to, I decided a bit of frugality was better than working a job I had come to hate. I’m in my 70s now and never had to go back to work. And subsequently have more income than when I retired by watching my spending. I’m living on my retirement income and still saving about 40% of my income. When our house over 100 years old needs a repair or upgrade, we pay for it in total, not taking on debt at my age. If it isn’t an emergency we save for a major expenditure. Mostly by making savings a priority, living more frugally than absolutely necessary. I still want treats in my life so indulge in some but not all desires. And I’d also suggest something I learned while still working; only discuss finances with friends and family that share and support your goals. When I established a “spending plan” I stuck with it. Almost everyone I know has heard me say, “Can’t do it, it isn’t in the budget.” That wasn’t completely true, I could do whatever it was if I was willing to trash my long term goals and plans. More accurate would have been to say, “ I can’t make myself risk my future security for a fun weekend on the other side of the country.” A frugal friend and I were talking that it was great to be a the point in our lives when we could afford, whatever we wanted. She laughed and said “the trick is to not want too much”.
HAPPY BIRTHDAY CHRISTINE! 🥳🎂🥰
I cleaned houses when i was a Nanny for 2 Lawyer's when i was 30 years old ❤
I love your hair color, looks great
You are so much fun!! Love all your ideas! Thank you 🙏❤❤
Today I turned 45 and It is blowing my mind since my brain thinks I couldn't be more than 30! haha The gray hair has not been my friend. Broke my heart a little bit.
I have cleaned houses plus apartments also churches and I've also worked at my churches day care so many side hustles out there.
Inspiring!!
Besides being chief cook and bottle washer you are financial planner family supreme ! You have taught your children by example grasshopper !!!! Your skill set includes you tube videos/ sales / motivational speaking ! I could not agree more to keep moving ! At 67 I move more today then I did from my late teens / to 50’s !!! I am in better shape and weigh less then in high school and I am motivating my husband to do the same ! I am team Christine ! You go girl ! ❤glenda in Mesa where it’s always warm and sunny 😂
"bc I like math and spreadsheets are where I excel".... 🤣👍
Muscle is important as we age for sure :)
I love your channel and the tip at the end to increase your heart rate and workout today was the cherry on top! I have considered making a UA-cam channel for years and made attempts and then gave up many times but I truly always gravitate towards the content I would also be sharing if I had UA-cam following! I love to see like minded people and when they share these tips! You’re awesome!
I replaced a dishwasher and was able to pay for it with cash. But I also don't have a mortgage and have saved the money. New stove will be next. I shop harris teeter and I get points to get so much off a gallon of gas and the some with circle k
We have saved over $10,000 this year. Living on less than we make and being debt free, besides the house.
It toke 5 years plus to get here.
The last couple minutes are the most valuable info in the whole video ❤
You know what on my lunch I was gonna wash the dishes but I think I’ll go for a walk instead ! Thanks Christine ❤
We invested $10k in Nvidia in 2016. By 2022 it was worth over $300k. That was lucky. But I certainly agree that mutual funds are generally less risky and probably a safer bet than playing the stock market.
Which stock would you have invested your $10K in 2024?
❤ I’ve been watching for a while now and I’ve really enjoyed all the content, have a wonderful day!!!
Wow, Christine, you were on fire and all over the map in this video happy happy birthday and just let me tell you as a 55-year-old, I’m not quite sure how I got here but I feel the same as I did 45 or 35 except that, like you said, the older you get the less you worry or care about the little things. It’s all fabulous! Oh, and when you’re talking about your birthday today, it made me remember your video when you talked about how fabulous it was going to be to pay off your mortgage before you turn 40! Ha ha good times, you help me out so much!
This video hit at the right time! Also love the hair !
I’ve done a huge budget & due diligence to cut my costs where I need it the most. It’s surprising what we spend on that is unnecessary. I enjoy your videos because you make me feel ok by doing all these budgeting tips. Also I love the writing down financial goals !! 🎉🎉
If you decide to do side hustles- get down payments and make sure the clients you work with are honest and trustworthy.
Spot on about that last piece of staying active as we age becoming REALLY important! And BTW eating healthy is one of the BEST long-term savings strategies silent saves a huge amount of medical costs as we age too! Not to mention betterquality of life too. Great video! Thanks.😍
Happy birthday! Love your hair color but don't forget we EARNED those gray hairs! P.S. thanks for the exercise pep talk. I do not want to lose my functionality and independence as I age. Would love more videos like that.
Hi Christine! Thanks for your videos! Your excitement inspires me. Just a thought, I have a home warranty. I’m a single mom and love the security of knowing things are taken care of if something goes wrong. I’ve used it a few times every year since I got it so it’s more than paid off.
Great tips!! Also new subscriber!!😊☺️
When I first started the video, I thought, Oh no! What has she done to her hair? I would highly recommend not coloring your hair this dark, and better yet, just let the natural gray come! It is all about your mindset. You don't look "old" at all and should not stress about gray hair. Life is too short for such things! I got my first gray hairs in my early 30's and colored my hair for years. It became such a hassle I finally stopped and have never regretted it! Now I get compliments all the time on my silver hair, that shines in the sunlight. Wisdom comes with age, and gray hair is a reflection of that, enjoy it!
I really enjoyed this video, thanks! I think you seriously underestimated the cost of the ''standard' Starbucks drink order and typical fast-food lunch order - that's another $10/day right there - crazy.
I don't eat FF but I think my hubby told me Big Mac combo is now $15. Don't know why anyone would pay for it.
@@dianasimplifies - WOW.😵 That is just crazy - especially since most of the ingredients are not real food. I haven't eaten any fast food for at least seven years because it tastes so fake, but I'm thankful I don't like it at these prices!!! Ooofff!!!
@@betterlivingonabudget right! We started going to a mom and pop type place a few years ago and we can get a burger plate for less than that. 💜also great quality.
My god!! I don’t even make $833 a month!!! I make it but don’t clear it because of taxes!! I used to be able to take furniture items from the dumpsters in my area and I’ve refurbished several pieces and sold them but there are cameras up now to catch people taking stuff from them!! I think that’s just awful!! I mean , it’s obviously not wanted by someone!!! I have a huge handmade chest of drawers that I snagged before it became illegal and it’s one of my favorite things!!!
I know in our area there's a guy who advertises through facebook that he will come get free stuff from people (I think now he just has a trailer out front so people can drop off). So, maybe if there's a way to do it safely and put a post on facebook that people can message you if they have free furniture but don't want to haul it off to the dump or dumpster. They could just let you know, then haul it out to their curb or whatever. Just an idea because I hate seeing good furniture go to waste and it's awesome that you're able to fix it up so it gets new life.
Garage sales at the end, they just want to get rid of it and may give it to you for free. Community pages where they give stuff for free. Just drive around, people put stuff out, you can ask for it.
You must be Canadian. Lol
We are in our 50s with nearly $3M saved, no debt and $50K annual spending. But we avoid the stock market completely.
I’m retired. Your story of a conservative savings profile is a common one. Any course of action involves risks. You might be avoiding market risk, but you are taking on other risks like inflation and reinvestment risk.
My wife is willing to work for another 5 years if needed. Are we in good shape? Will we be okay if I begin withdrawing from Social Security when I’m 62 and my wife is 67? Should we hire a financial planner to help us navigate this?
No one likes market risk, but without longer retirement, taking on risk is often a necessary evil to compensate for inflation.
Certainly get a pro to look at your predicament (if you even have one, lol) A second opinion from acomprehensive financial adviser can help you look at more than just your current estimate of cash flow and needs but also longevity risk, outliving your money, tax considerations, legacy planning, healthcare costs, inflation and a myriad of other things you may not be considering when reviewing your current situation
How does one get a comprehensive fa who isn’t looking to just make a buck from consultancy and whatnot
My daughters birthday was yesterday❤ scorpios!! I love them and I think you are great!!! Thank you for the tips!
My favorite video you have made! Very motivating and helpful
Thank you for your video, I enjoyed it, and I am taking your advice to heart, though I lived on a Social Security budget & my life is pretty busy, I can see some areas where I can improve and increase my budget.
I made my first adult decision about money like 10 years ago - I setup some investment plan with really not very big monthly payment (even the it was like 5-6% our income)... I got return this year and I earned like 33% in ten years (including Covid time). In couple weeks we will be almost mortgage free - we'll use those money to make a huge payment for our home. Meantime we changed jobs for better, I shelf-cooking for YEARS!, have crappy car but it runs on so little gas money... BUT the feeling I don't have to worry about money it sooo liberating! I know almost ANYTHING can happen and I don't be in debts... of course we have couple insurances also ;)
I know this is a financial video, but I have a fitness question. I am trying to get healthier and recently took a barre class for the first time. It was hard, but I made it through. What would you suggest as a starting point for keeping with a fitness regimen and what types of fitness do you think is best for getting back into it all?
I saved 10k In 5 months by collecting change, how did I do that? By hunting the coinstar machines, people often forget their change rejected by the machine, it might not be much but it adds up
Ahhhh!!!!! I NEEDED this!!!!! Thank you!!!!
Lol, I am lucky to have $27.00 for Gas for the Month. Lol.
I am glad there are those that can be that Active and Earn Extra.
Kudos to you.
And your reason you cant?
@debiwillis9045 .
Many, where should I start.
No Computer for work at home.
No internet. Just phone.
No Descent Work Clothes, No Appropriate Shoes.
No Bus Service, tried Taxi but it's $15.00
To start a trip one way. On Oxygen 24/7, I passout when it is inconvenient. No need to mention but Heart Condition and 2 Concussion that have.lasting results.
Well what else would you like to know
Oh Covid 7 time, 6 Pneumonia, Eyes are bad and a few other things. I was Health till I Had Covid and Pmumonua, and poisoned by Rx meds aswell,
I am willing to work I just don't have the Energy in used to have. Oh I do have an Education beyond High School.
Is that OK. All is truth.
There is more if you like.
Oh I would love to work. I have family I'd like to see once n a while as well.
I have alot of reasons I would love to work. But my reasons over Cone my Ailments at this time.
@debiwillis9045
Well this is the 3rd time I have put in
Reasons. I keeps disappearing.
I have A few Medical conditions as well as financial.
My vehicle is a bit unreliable, No Bus Service here, Taxi starts at $15.00 plus.
Can't be to Physical, on O2 Daily. Had 2 Concussions with ill effects, Pass out when it's inconvenient, had Covid 5 times and Pnumonia 6 times both which has Damaged my lungs,
I pass out when it's inconvenient, that a good one. I am trying to stay active. Can't somedays.
Oh and I have A Degree in Drafting n Design, was and EMTII. Worked the ER and Hospitals and Nursing Homes, Wrangled Horses. I had a life that many wish they had some of. Been to 37 Countries and States n Provences, Lived in Europe, Lived in Hawaii and afew other Places. I have been working since I was 15 yrs old. I don't have anyone but me to care for. I am as I am. Can't change that. I do with what I have. Remember the Good Days and try to to Pass the Bad.
I have been Blessed in my Younger Life so I can Enjoy my Memories. I just made a comment on a post...I hope you can understand when someone says they can't. It isn't always a lame excuse.
Have a Good Day. 🙏🙏😊.
Some are disabled or just don't have the time. Everyone's situation is different
@lizpimentel2566 exactly. I used to clean houses and detail vehicles occasionally, when my kids were little. My husband had a full time job and a side hustle. Now I homeschool my youngest, which is a full time job, haul my middle child to school and back, do all the domestic stuff while my husband has his regular shift work job, and thought, 'holy smokes, how would I even have time or energy at this point to do a side hustle?' I loved this video, and would love to set a couple goals, but I think my priority right now is just to get my kids through school and their teens with the best outlook possible. My real dream is to move out on property again, but that's a very hefty goal, and I/we would have to upset the proverbial applecart to achieve it. It's all a balance.
I see your logic, but isn't the purpose of "buy nothing" groups to give away the items no longer needed to those who would use them. They were never meant for profit, so flipping items from there feels like taking advantage of someone's good will. If the original owners knew you are planning to flip, maybe they would choose to give the item to someone else
I agree thats greed
Yeah they definitely would give it to someone who actually needs it.
Maybe flipping it for cash is a need?
I’ve watched a lot of your videos. Your grocery deals are insane and something we just don’t find in our area. We have 4 stores that feed an entire small city so discounted food is sometimes just not there! We clear it out before its expiry date. 30% off is the common discount you’d see if it was there. But that makes a jug of milk over $4 still. Anyways, we live beneath our means and have a spending/saving plan which has been working well for us on our lower income. Thanks for all your tips!
Great video, Christine, thank you!
Love the darker hair…. I’m heading to the dark side tomorrow (maybe just for fall/winter) 🙌🏼
I heard someone say, “it’s not the one $10,000 move that makes the difference, but the 10,000 $1 moves that do.”
WOW!! I love this! I will put this in the back pocket for sure. Thanks for sharing!
I stopped coloring. I’m almost 43 and gray. 🤷🏻♀️ I am trying to workout regularly so I can have a long a healthy rule but dang getting old is rough. ✌🏻
I can reasonable save $28 a MONTH and thats with 2 incomes, no car, no extras, i only have internet, electricity, rent and cell. I actually did A LOT of cutting costs to get that much. I physically can't do physical side hustles. I published 3 books and can't get them off the ground. Not everything is simple. I also have financial advisor back ground. It is insane. Not 1 person around us can afford a financial advisor and thise who can, pay a fortune because why use someone who can cut your financial advisor costs 50%? Where i live has a clear and hugely visible financial divide. You're either rich or 200% below poverty.
Wow what a pep talk! Thank you! We can do it 💪💪
Car insurance usually has a low cost per year roadside assistance that you can add to your insurance company plan.
Hey Christine, don't underestimate the skills you have, you also have great cooking & parenting skills too - Also on the subject of age I turned 50 this summer & now I've heard some of the golden girls were 50 I'm definitely feeling old 😂 I'm also determined to start exercising more 💪
She's not wrong.
I recently paid 300.00 to have my minivan detailed. And that was just the inside.
I had taken my dog to the vet and on the way home, he peed in my car.
My physical limitations keep me from doing that type of stuff so I hired it out.
Hello Christine! I’m Amy from Cincinnati! 👋 Appreciate all of your money saving tips!
I adore you and have been following for ages. You're damn inspirational and I've been saving money with your tips for a while now. Thank you for that. Happy Birthday. ❤🎉
Hello Christine, I am a little leery about getting these apps like Upside to get free money on stuff that I buy. What I would like to know is what do these companies get out of me signing up on the app ? Carla, 60, from Indiana.
I've used upside for a couple years. Love it.
It's actually cheaper to just go to lower price gas stations where the app doesn't even work. You're not missing anything by not using it, I promise.
@ I go to circle K near me and we also get a circle k 5 cents off discount so it makes it the cheapest gas around us.
My dishwasher gave out; I invested in my hands 😂
Until I have money saved for my appliances, I won’t buy
Great content as always 👏 thank you!
off topic, love your dark hair color ❤ 🙂
I started turning gray at 16. Trust me when I say it has nothing to do with age.
Thank you, I learned a lot from your videos❤
I live in low income housing area, so many neighbors are on SNAP, Section 8 housing, etc. The richer areas are miles & minutes away. Do you have gigs for seniors or handicapped??
Happy Birthday!
Love your new necklaces. Watching your channel for a few years now, and I new pay full price for groceries anymore ♥️👍🏻
My take is just don’t buy the dishwasher, wash them by hand. Or repair the dishwasher yourself, my boyfriend and I did it for $200, the price of the part that needed replacing. My bf has a white collar job and I have no training in repairs.
We washed by hand for over 6 months when our 14 month old dishwasher kicked it in 2021(?) Of course, it took 5 months for the part to arrive and it came damaged. (It was the electronic motherboard) At that point we gave up and bought another new one. Even that was hard to come by as everyone else had given up faster than us 🤪😂
My husband just put a new element in my oven. It was a chore tracking down the right one,(also a relief it was the element and not the sensor panel or whatever) but man am I ever glad it got done! I make everything at home, and not having an oven was making me low key panic. There's only so much crockpot my family will tolerate😅
Do people still do couponing?
Hair looks great!!!❤
Love your hair! ❤
Our ER fund is $15,000 bc we also had to replace a 20 yr old heat pump, water heater, and clothes dryer
Oh how I feel you! This past summer we had to do exactly the same. Thank goodness for our Emergency fund!! 🎉 Now we are back on tract building our emergency fund back up ❤🎉
I feel like all the new appliances will need to be repaired or replaced within 5 years anymore as well. Our house/appliances are almost 7 years old now, and within the first 2-3 years, we had to repair the dishwasher, dryer, furnace, and stove(top). In the 3-6 year range, the oven, fridge and now the washer seems to be headed that way. Whe I had my 70's and 80s appliances, they lasted forever. I wish I had taken them with me to our new place.
@@juanitaglenn9042yep thankfully my hubby can repair stuff himself but even that is expensive with the prices of parts now.
House cleaning is available n cheaper here in my area in SoCal. I pay less than what u said. But my Starbucks is $9.00 for a small coffee n b/bread. Fidelity is a great investment firm.
Only DOPES buy ANYTHING at Starbucks!!
Depends, my friends and I used to go to Starbucks a couple of times a week after water aerobics. It was a budgeted expense that let a bunch of women of various ages and very different lives connect and build friendships and support systems. Well worth the less than $10 a week I spent. I could save money elsewhere. Some of those women have died, but others of us still get together occasionally. It was worth every penny.
Your comment about gray hair made me chuckle. I had my first couple white hairs at twelve.
Great advice, Christine!
The best advice that I have for saving for retirement is start early ... with your first paycheck. I started working when I was 18 and, of course saving money was foreign to me LOL I quickly learned, though.
Decide on a certain amount and payroll deduct it. I started out with an annuity when I was in my late 20s and was able to start collecting monthly checks when I retired 9 years ago, along with SS and my pension.
I also had 2 separate credit union accounts that I had money payroll deducted to. If I didn't see it, I didn't spend it, but it was there if I needed it. Several years ago, I started an emergency fund and was able to use it this year to pay cash for a new (to me) car when my old reliable wasn't any more.
These are just some ways to save money that have worked for me.
I realize that everyone's situation is different ... a large family with 2 incomes is different from a single mom or a single person.