How to make 2024 your FINANCIAL GLOW UP year 💫
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- Опубліковано 12 гру 2023
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Hey girl! In today’s video, I’ll be sharing tips on how to have your financial glow up in 2024. These are things I’m currently doing + will continue doing in 2024 to ensure that this is my best financial year yet. We’ll discuss building better spending habits, creating a financial plan, paying off debt, and more. Be sure to give this video a thumbs up and don’t forget to COMMENT & SUBSCRIBE ❤️
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FAQ / ABOUT ME
* Name: Trinity
* Age: 27
* Boy mom
* Occupation: lash tech / makeup artist
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2024 is my financially SMART year . a year of Abundance and Overflow
🙏🏾
Mine too frfr
pain of discipline >>pain of regret. life is hard , but you have to choose your hard. Do you want to struggle with the discipline that comes with budgeting, or do you want to be consistently stressed when it comes to finances?
So true… making more money doesn’t necessarily fix debt but being able to MANAGE IT will
Definitely doesn’t. I now make the most money ever and still trying to figure out why am i still not comfortable
This is actually my plan for 2024 along with getting my veggies in mine & my child's diet. 2023 I've been maintaining my 70pd lost & working on better self care, self love practice since healing from an toxic relationship. Plan to continue self care/love/worth etc... & adding on some new things to get to my best version/glow up that I can be. #Goals & with God I Can do ALL THINGS!!
Amen! You got this!
Coming from a person who used to spend my whole paycheck every payday. I now changed in a way that helped me saved and let me show you how. When I get paid I usually want to spend $90-100 on getting my nails done $100-$120 on my lashes and so on now what I do is a little same but way diff so I take the $90 I’ll usually Pay for nails but instead I’ll buy press on for $10-20 and then put the other $80 or $70 to save like if I did go to get my nails done. Then same wit lashes I’ll take $100 out like if I were to get my lashes done but instead I buy clusters from Amazon for $10-$20 and put the other $90or $80 to the side like if I had spent $100 on the lashes and what it does is it tricks my head into thinking that I already spent the $100 so that way I don’t touch the other $90 that I have saved. When I’m going to bad spent my money on food I spend it on other long term items. Like if I were to spend $30 on wingstop I go to the store and spent the $30 on food ik will last me longer then the $30
Wingstop I would have ate in 30 mins and I mean good snacks like. Big bags of chips and other snacks that will add up to that $30 and those will last me atleast a week
That’s exactly what I meant by cutting stuff out helps if you’re putting the money somewhere else that benefits you. Even if it’s just saving. Some ppl would stop getting nails/lashes done and spend it on something else. But what you do is exactly what I’ve been doing.. the extra money i’d spend on crazy nail designs goes toward debt. Good point!
My year of Abundance and Overflow ❤🎉😊
Claiming it 🙏🏾
I have done the snowball method and it works! I paid off over $30,000 in a year. It took some compromise and will power but so worth it. It is so important that you know how much you make and where it is going. Good video!
Whew 30k! That’s big!
@@trindingtopic Thanks! I’m enjoying life without debt.
I also want to add something! These financial videos aren’t saying that you shouldn’t spend on things that you want forever they’re saying that if you’re in a financial spot where you want to better your finances, or if you’re having trouble with your finances, that you will have to have some restrictions for the time being! And let’s say for the next year or so you really focus on paying off your debt or just building your streams of income and have a better understanding of where your money is going, you will put the future you in a better spot! Which means that eventually you’ll be able to start having more money to spend on things that you want rather than just needs! By setting yourself up financially, in a good place, it will allow you to have financial freedom, which will allow you to have a more peaceful life!
I love this! Claiming financial glow up in 2024!
That’s right!
You sound like me. I’ve always been great at finances but the last couple of years I “lived life” so now I’m trying to clean up lol. I’m clearing my debt to no more than 30% and saving some. Making myself cook more and honestly going out less. ❤❤❤ Cheers to a new year and better handling of our finances lol
Yes me to a T! We got this sis 😎
I love the wishlist idea. I’ve always been bad with money but just recently have gotten really good at budgeting. It’s the saving part that I’m still struggling with. But 2024 is the year 💪 Thank you so much for the video! Very insightful and helpful.
Your cousin was a blessing to you. You gotta know what’s coming in and going out in order to see change in finances
Im ready to take this journey because baby i need it bad. I had a setback. Now its time for a comeback in a smarter way this time. Thank you for these helpful videos because your helping so many ppl struggling like myself to still live and be happy with a plan.
Loved this video! 💜 Making a budget and tracking my expenses has literally changed my life, and I was able to save $20K this year. Have you heard of the debt avalanche method? Same concept as the snowball, but you attack the highest-interest debt first. You’ll basically save more money because you won’t pay as much interest in the long run. I’m probably gonna use that method to pay my student loans.
Yes! I actually included that method when recording and took it out bc I didn’t wanna confuse ppl. lol
wow 20k is a lot congrats xx
@@trindingtopic Oh, I just saw your response. Thanks for responding! Yeah, I get that it could have been confusing lol
@@abicooks Thank you!
that baltimore accent heavy😭😭great content thank you!!
Lmao I be swearing up & down I don’t have it😭
When she said BGE I knew 🤣🤣
Omg thank you for this video! Such REAL AND RAW content. I’m new to your channel and a lot of creators post financial content but it ends up being a ebook at the end they want me to buy. A lot of what you said was authentic and compared to real life situations. Btw, your hair looks good girl! This video helped me a lot. THANK YOU❤
Everything you said was so reflective for me! Thanks for sharing all the tips, I can use in real life.
This was actually very helpful! You give some good advice girl
Just did my budget and needed this! Thank you!
Thank you for the reminders and tips. As the new year starts I needed to reevaluate and get my budget together.
Quite loved hearing your story. I've been unemployed the past very long time so I'm excited to get my first check from this new job and get back on track!
These are some great, motivating tips! Thanks for sharing them with us. We have so many financially stable elders, who may share their wealth, but never share the knowledge of how they got the wealth. Then they take that knowledge to the grave with them. So, thanks again for the knowlede! Have a blessed one, and I hope you succeed in all your goals this year!
I am in the afterpay trap from xmas shopping and furniture shopping for our new place 😅 ...this video definitely called me out 😂 but i am definitely going to call it quits with the afterpay for anything else and only use my credit card for anything i cant pay in full up front. I brought my score up from 549 to 672 this yr with better spending and responsible spending so i can't throw all that progress away. And thank god my salary doubled this yr or else I'd be down bad. I just have to literally pause and plan and I can be back on track by March. I am almost done with my budget and 2024 debt payoff goals as well as my digital vision board. Thank you for this video!!
I found that shopping for groceries day by day saves so much money!
Thank you for sharing this and being transparent. Sometimes we know that fixing our finances is important, but don’t know where you start. Thanks for the gems 💎
Babyyyy you got me with the Zipp. Gulityyyyy. 😂😂😂 I gotta stop, I will quad pay everything and be mad every time I have to pay it for 5 payments per check . 😩
Great tips and suggestions going into the new year! Thank you!
I could relate to mostly everything in this video I actually started my lil savings account I’ve been procrastinating on and I can’t wait for my lil journey for 2024
Girl YES!! This is the video I didn’t know I needed but that snowball effect is about to help greatly!!! Thank uuu ❤❤❤
Great break down!! I absolutely love the way you give advice. I recently found your channel and I LOVE IT ❤
Thank you for the reminder to get my ish together!!!
Thank you! I'll watch this video a lot just for motivation
AMAZiiiiiiiiiiiiNG AND INFORMATIONAL VIDEO !!! Thank You on the important part that hit me harder than the other tips was having multiple accts and the last part about how to handle debts where listing it from lowest to highest and how to pay them off. Those were the hugest highlights of this video for me that I immediately started implementing for the "method to my madness".
I just discovered your channel and I love your content.
Thanks so much!🎉
I’m really learning and this seem like the best way as well thank you for this video really helpful
This came at a good time cause im trying to heal my relationship with money. Its so easy for me to do.
Sis I felt that buy now pay later thing. Never going back!
Love love love your videos ❤❤❤
I really love your Chanel. You seem very genuine and down to earth
Thank you ❤️
Thank you for this I’m taking notes
I really love your words 😊
very useful thanks girlllll love your content !
I’m in this with you darling. Thanks for the video ❤❤❤🫶🏻
This is a very helpful video. Thank you !
For life insurance you want a policy that will have a cash value if you want to borrow from it. Such as whole life. The older you are and the more your monthly payment will be. If you get it for kids it will be a lot cheaper. Term insurance is good for those who just want to have their final expenses and money left over for your beneficiaries once you pass. The most important part is to have updated information of your beneficiaries on your policy. The same for your 401k and Roth IRA.
🙌🏾💫💰Let’s get it
I’m on this financial thing with you. ❤
This was such an incredible video! I was already thinking of doing some of these, but was honestly like nahhhh ion know if I can do that lol cause Zip payi is life! lol, but you just encouraged me to stick to it and make it happen. Making my plans this week! Thanks so much for sharing and posting.
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Alignment!!!!!
Great advice! I started my financial glow up in December and have paid off 2 credit cards, negotiated down and paid off 2 collections on my credit report and 2 affirm loans! Yup I’m not done!! Let’s go!
YESSSSS MAAM! I know that’s right!! 💪🏾
Small world, I've been following Ta'Ler for a minute. Love her content. Beauty and brains run in your family. ❤
❤️❤️
Gold ❤
What I would like to work on in 2024 is the scarcity mentality. Mine is fueled by the environment I am currently at. I am willing to work on myself but the environment does bring me down😢
I’m excited about to tune in rn ❤
🥰
Thank you ❤
I will be joining ❤
Solid information
Sounds like your cousin uses/teaches the strategy I recently finished reading (I Will Teach You To Be Rich by Ramit S.) in November. When I say it put SO much into perspective for me and made *it* click for me omg. I finished the book end of Oct/early Nov and by end of Nov I paid off one CC (ashamed at how long I had that balance lingering) AND by end of Dec will have met my first e-fund goal.
I was guilty of the afterpay as well! Once I cleared mine I said NO more or only ONE at a time for big items like tires.
Thanks for sharing!
soooo true about the Zip pay omg
Free us 😭
One way to pay off debt that could actually help is called the snowball effects, but you have to pay above the minimum. You first organize your debt from smallest to largest amount, then you pay off the first debt. Once it’s done, you pay off the next one but add on what you were paying for the first debt to the next one. This keeps going until you’re completely out of debt. For example I have to pay for car, credit card, and college. I pay 200 dollars towards my car until it’s paid off. Then for the credit card I pay 150 but add on 200 from my car payment now I’m paying 350. When my credit card is paid off I add 350 to the amount I’m paying for college loans
That’s what I said in the video lol
@@trindingtopic lol my bad I was watching this while working so I wasn’t fully paying attention but I will be rewatching it
Great Information, thank you!
I enjoyed this video!! *Subscribed*
I also had my son around that time , and boy as a parent lol it always seems like there’s something you need to buy , i definitely need to work on saving more …and making more too 😂 thank you for making this video
Girl yes!!
So very informative!!!!
Watching this at my orientation for my new job cause this time.. I’m getting my finances together (my new job is target… the culprit of my bad spending habit 😭)
Whew girl 😂 congrats on the new job! Don’t go crazy in there
Thanks pretty sis. knowledge is power thanks for sharing with us ❤❤
Thank you for sharing. I can relate to almost everything you said except… after pay, lol. 😂
Traders joes meals will save your life. I NEVER eat out.
What are some of your favs 👀
This was very helpful
Thank you for this video!! I’m definitely going to try it
You are very pretty and thanks for sharing this info
Thanks so much ❤️
Thank you !! I literally needed to hear this. I feel like a lot of woman especially early 20s struggle to with spending problems and it will eventually hurt us when we get a lot older and start having kids. I definitely am working on having a better financial plan !!👏🏾
The eating out is real..especially me being a flight attendant
I’m going on this journey with you sis!🎉
Wonderful video 👍🏿
You look so good 🫶🏻
Great video!
Thank you! Very helpful 😊
Great vid
I’m tapping in on this financial glow up journey with you🎉. May God give you the grace to have self-control in your spending and wisdom to maximize your money in Jesus name
Amen 🙏🏾
Got myself in debt that I could not pay off in 2023 but let me tell you, 2024 this debt is getting paid and I will save for a house❤
So goood
Girllllllllll I love me some Zip 😂 😂😂 next year I’m a stop!!!!
SO informational and accurate!! 🔥🔥🔥
I didn't realise that I "comfort spend"
BGE… aye Baltimore! lol. I needed this help though 😩
Lmao I always forget that’s a Baltimore thing
yes, having multiple accounts really helps
🙌🏾🙌🏾🙌🏾
On this journey with you sis and I’m so excited!!!
No more afterpay, zip, alladat yesssss
New subscriber here - very informative and cool video
love that having a wishlist for your wants tip! ima try that out!👌🏾
Yesss I hope it helps!
Yes 😭🙌🏾 Goal for 2024
Yayy!! I'm soo glad your sharing this info. I'm in Financial Services too
I needed this video so bad !!
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This is the video I needed ! Lord knows my money management needs WORK 😭 You talked about having different accounts for different things, how would you recommend categorizing those different accounts?
P.s I love the hair and makeup we need a tutorial!❤
I would start with separating your bill money and your fun money (Beauty maintenance, eating out, shopping, etc) so 2 checking accounts at least! & thank you!
Your cousins name is spelled EXACTLY like mine!! I love it. Not many of us😂
This is her male cousin while listening my female cousin had the vid playing and I did not like how you said the phrase “this is for my girls” I felt so alienated and just left out what if I wanted to have a financial glow up to think about the males but great video aside from that☺️
97% of my audience is women.. but the information can be applied to anyone
Loved this video I definitely needed this. I would like to go on the financial journey with. I’m currently trying to pay off my debt.