Budgeting Basics: COMMIT to saving money!
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- Опубліковано 28 лип 2024
- Welcome to my MissBeHelpful channel!
Anyone who has any money at all NEEDS to budget!
I wish someone had told me to create a budget a LONG time ago! Watch to learn some fundamental budgeting tips!
More on budgeting:
www.themintgrad.org/learn/budg...
Budgeting App Resources:
www.parentscountdowntocollegec...
www.dailyworth.com/posts/2815...
Highly recommended:
www.mint.com/
www.youneedabudget.com
www.personalcapital.com/
More from MissBeHelpful:
My VERY FIRST video (AWWW): • Get Your Credit Score ...
How to Improve Your Credit Score FAST: • Improve Your Credit Sc...
Common Credit Card Myths: • Common Credit Card Myt...
How I Save Half of My Income: • How I Save Half Of My ...
Why You Need to Start Retirement Saving in Your 20’s: • You MUST Start Retirem...
5 Things to Consider When Applying for New Credit Cards: • 5 Things to Consider W...
Credit Card Rewards… Do’s and Dont’s: • Credit Card Rewards: D...
Become and Expert at Reading You Credit Card Statement: • How To Read Your Credi...
How To Improve Credit With Limited or No Credit History: • How To Improve Credit ...
Best Apps to Save for Retirement with a ROTH IRA: • Best Apps to Save for ...
Best New Way To Improve Credit - No Credit Card Required: • Best NEW Way To Improv...
How Trump Can Affect Your Finances: • Video
How I Use the Grace Period to Avoid Paying Interest: • How I Use the Grace Pe...
Let’s connect:
FACEBOOK: / missbehelpful
INSTAGRAM: / missbehelpful
BUSINESS INQUIRIES: Missbehelpful@gmail.com
’Til next time… PEACE!
I'm 18 and am beginning to budget already. I write down everything I buy and it's saved me a ton!
Damn! Go ahead, Lucas! Thanks for watching and commenting!
instablaster.
You're a great speaker! Really enjoyed the video 😃
+erica 💋 Thanks Erica! I'm so glad you enjoyed it!
WHEN I WAS 20-24 I DIDNT SAVE SHIT, BUT I SAVE NOW AND IM 29, BEEN SAVING FOR THE LAST FEW YEARS, I HAVE BEEN DOING GOOD AT IT
The way you speak is really dynamic and enthusiastic, so it makes it easier to pay attention and entertaining rather than just informative.
+Leena Godsoe Thanks Leena! That is definitely one of my goals with these videos, so I am so happy to have seen your comment!
I'm super frugal but spent over $7000 this month bc I paid cash for a car $4600 ( saved $1000 by negotiating).. still ouch. But no car payments yay! overspent in food/eating out/groceries this month. I have to get back on track next month, this year actually isn't off to a good start but I did reduce expenses and make more money.
great advice..i opened two savings accounts. holiday club. and credit union. plus i gotten into a habit of saving in my home..three jars quarters..dollar bills..and other coins in the other jar. than see how much i can accumulate when full.
The jar idea sounds like a fun way to make saving visual. Do you do something special with that money or just deposit it when they're full?
Rebecka A i use it mostly for Christmas gifts and the rest goes in my saving account.
Nice! Thanks for watching and commenting!
Girl, I love your enthusiasm!
Thank you :)
PurdyTime p
MissBeHelpful I Love You by car another day I love biker another yes that's fine you do then come on girl you do a lot biker clothes Willie's nameless Kentucky104 leave at Amway Billy's in Zulu tablet
MissBeHelpful why you think I need to shop is okay by cops okay what were you doing what are you doing can you tell me 10 minute
MissBeHelpful Dinky Doo it's okay. You can do okay. Tell me
It's wiser to pay off any debts first before saving . 1. Budget 2. Pay down debt 3. Save :) x
Yup!
I actually started writing down my income and expenses down on paper each month so I know exactly when each bill or payment is due and also when i do estimate for future income (because it's hourly based) I always tend to go with worst case scenario just to be on the safe side of things
+17th WhitePrince Sounds like a great plan! Thanks for watching!
Brains + beauty = winning!! Yasssss indeed, excellent points!!! "Shopping is not entertainment..." wise words! 😊
Thanks!
Loving the knowledge, servant-leadership and personality; you're communication skills, financial wisdom and enthusiasm conveys an extremely effective message. Thank you for your insight and for helping me in areas that will help many others I come in contact with. Godbless.
+Colby Strickland Thanks for the kind words and for watching and commenting!
Just wanna say, your videos are so helpful to me. Thank you for sharing all of your advice! 😃
Thanks Jennifer :) I'm so happy to hear that!
First of all, thank you for the tips! Very helpful. But secondly, and more importantly, I think you are WONDERFUL at making UA-cam videos. Your personality really comes thru and you seem very genuine and authentic. You were meant to be in front of a camera!!!
Awww thanks Amy! You're welcome! Thanks for watching and commenting!
Grateful tips. I look forward to more.
I love her, this is so great that she is sharing her ideas..
Thanks for watching and commenting!
awesome energy, communication skills and information
Thanks!
Thanks for the video, boo!
I love the helpful info you give out. Im in my early 20's and I'm starting to budget it hasn't been easy to adjust but I know it will be worth it at the end. I look forward on watching more of your videos!
+Naria Velazquez Wow! Naria, I wish I had started when I was your age - it will be worth it for sure! Thanks for watching and supporting!
Hi Naria! That's great!
Thanks, will put to use.
Great ideas here. Thanks for sharing these ideas.
Love your videos your channel is the only one I get notifications for because it's just great content
Aw so glad to hear that :) Thanks for watching and commenting!
Your videos are so helpful and you have such a great personality! Thanks for all your help! :)
Thanks for watching!
Thank you for posting this video I appreciate this video a lot and all your other video you post to thank.
Thanks for watching and commenting!
Yes! Mint has been so good to me!
Yes!!
I've been watching your videos since for about a year already and I'm watching them again to start the year and remind me to save $$👍🏽✌🏽️
This comment just made me so happy, Kristina! Yes, girl! Get your LIFE! New year means you can set the tone right for the rest of the year! Thank you of the support! XO
MissBeHelpful you explain everything really good, thanks for all the tips ✌🏽️💳💰💸💸💸
thank you for the awesome tips.
Thanks for watching and commenting!
I second the YNAB recommendation! I was never able to budget successfully until I started using that program. And it eliminates the need for cash envelopes (which are bad for people like me who misplace things).
Agreed! Thanks for watching and commenting!
Very helpful thanks !
Just discovered your channel,great content👍🇨🇮
Love this video! Thank you for the tips! I just got my first credit card :)
Thanks Talianne! Appreciate that a lot!! And congratulations on your first card - that's so exciting!
Am loving this lady.. Keep it up,
Thanks!
This video suites me quite well
thank you!
Thanks for watching and commenting!
I like the visuals. Good advice!
Thanks for watching and commenting!
Thx for the tips. Good luck on ur channel.
+Andres Venegas Thanks, Andres!
awesome videos, they helped a bunch.
+Arturo Lemus I'm so glad to hear that! Thanks for watching and commenting!
Yes girl I just came across your channel I just revamped mine to discuss budgeting and frugal living love your channel subscribed 👍🏼😀
I just found her too! She's awesome. Budgeting is so important but it's sometimes difficult to know the best way to keep track of everything.
Yassss! That's such a good idea! Thanks for watching and commenting!
Thanks :D
I got a late start. I just started putting money in a ROTH IRA a few years ago when I was 35. However, I am a teacher and I have had a pension since I was 25. But I figured I would like to have more financial freedom when I'm older. Anyway, great video!!!
Thank you so much. Very helpful. !!!! Suscribed
Appreciate that :) Thanks for watching!
Love your style
Thanks Alex!
I like how u said shopping is not entertainment. I totally agree
I learned that the hard way!
Great video!!!...Girl, you got me switching things around on my budget spreadsheet...lol Ver helpful, thanks.
Hahaha! I'm glad it helped you make some changes! Thanks for watching and commenting!
Love it!!! Ur very clear and simple on your explanation make
It fun and easy going. Found u today and enjoying ur videos very much. Ur soo young how did u learned all this info ? Thanks for sharing all ur knowledge
Thanks, Diana! I learned right after college from reading different finance books. I started off reading Suze Orman: For the Young, Fabulous and Broke" Then I read her book called "Women and Money." Both are good books, but there is some information that was not the best so I did more research of my own!
The percentages were really helpful like 20% going for flexible spending and 30% going for savings.
Glad it was helpful - everybody can do things their own way - this is just a general guideline and how I do mine!
your videos are fantastic!
Thanks for watching and commenting!
your a Great Person.. Your so Wonderful.. Budgeting is so Important.. Thank You SUPER Girl..
Great Tips...Gonna start today itself...Thanx....
Thanks!
Love your Budgeting videos! They're like potato chips, you just can't have one, gotta have more! :)
Thanks for the comment :)
Great info! I enjoy your videos. I budget my money in a responsible way. I always try to use no more than 25 % to 50% of the limits on my credit cards unless I having a reasoning to go over 50% of my limit. Just over a year ago I did many balance transfers to a card I have a 5.99% fixed for life balance transfer on & transferred as I could to get most of my cards paid off & then from me doing that I have got 15 preapproved credit limit increases on my cards & been able to open 8 new accounts in the last year.
Nice!
I💜💜💜 This Video.Thank You.
Thank you for watching it!
Thank you so much !!! Need to do this before 2017 comes in.
Thanks for watching and commenting!
great video was trying to make a budget realy helped ty:)
You got it!
Awesome video!
+DemonShinobiX Thanks for watching and commenting!
I love the app mvelopes. It digitally mimics the commonly used cash envelope system. I personally hate carrying a ton of cash because I worry that I will lose it. This app links to your bank account to monitor your balance (it doesn't take anything out or deposit anything). You create different "envelopes" for your different expenses. I have one for groceries that I can scan my receipts into. It deducts what I've spent from my allocated funds so I know how much I have left.
Great content.
Thanks, Dewit! I appreciate it!
Omg your soo pretty ! Great advice also subbed:)
Your awesome!!
+Angel Barcenas Thanks, Angel! You're awesome for watching!
very nice and helpful video !! thank you :)
You're welcome! Thanks for watching and commenting!
I admire you, I am older than you and lack the financial management of my income .
Thanks for the comment!
Thank you!!!
You're welcome! Thanks for watching and commenting!
I LOVE SAVING MONEY
+Joshua Rose Haha! That is a GOOD thing!
thanks
Budget helps saves money!!!
Facts!
Great video 👌🏻👏🏻
Thanks!
Would you please do a video on how to navigate collecting miles. Also, how to you collect and use reward points.
Every card has a different system. I know on mine you can redeem your points and rewards online or on the app! Thanks for watching and commenting!
yeah dear realy helpful..like ur way ofvtalking it realy simple.waiting for more videos...:)
Thanks! Working on some more now... Coming soon!
MAKE A VIDEO ON HOW TO USE THE MINT APP!!!!!!!!!!!
I LOOOOOOOOOOOOVE THIS VIDEO! YOU DID GREAT!!
+Gina Santos Thanks for the suggestion! I'll def post one soon!
I was going to ask the same question,
MissBeHelpful: can you talk about how to find a credit card with a low APR, and if you recommend switching credit cards if it gets too high. I am so tired of paying high APR's and just wonder if transferring my balance to a new one would be a good idea.
+Cynthia Reyes I'll try to get to this one soon, Cynthia! Will tag you when I do :)
1. save up a 1K emergency fund 2. transfer to a zero interest card 3. STOP using new card 4. pay balance in full & on time (no late fees) during the promotion period 5. stop using credit cards all together... good luck! You got this!!! 😊😊😊
I like your video nice tips
Thanks for watching and commenting!
Loving your videos! You're awesome and have a nice accent, where are you from?
P.S. Subscribed
Thanks! I was born and raised in New York City!
1:48- OR, why not do both at the same time by watching the movie, "Frida" while also being able to see her art exhibited while watching the movie at the same time lol? Good tips.
Thanks
Thanks for watching and commenting!
You are awesome
Thanks! Appreciate the comment :)
Nice 👍👍👍
I am a college student who just got his first credit card. I don't want to overspend, so I'm only using my CC for my everyday expenses(about 50% utilization). I want to build a good credit score and use it to buy a car (new or used) asap. Am I doing the right thing?
You def want to lower that to about 10% utilization by paying down most of the balance by the statement closing date.
Great upload. Very wise beautiful young lady well done.
Thank you!
Do u need tan color high heel shoes? I have it but I didnt even wear it. Do you have anyone who wants to purchase it? The shoe size is 6.
Try selling on the poshmark app!
Can u pls give some tips how to apply online a bank teller ?? That would be very helpful.thank u.
As a job you mean?
Mom is that you?
thank you very helpfull
You're welcome!
great
Great Video from.a smart girl. :-)
Would like to see one about your stock investings
Thanks!
I'm a fan subscrubed thank you for your videos
Thanks for the sub!
MissBeHelpful your welcome what cideoscare you working on now
MissBeHelpful ok
God damn you pretty
lol I think your so funny and interesting. Im 19 and don't know anything so this is great
Glad you're here to learn, girl! I WISH I started when I was 19!
MissBeHelpful haha if you can then why not! I'm totally subscribing!
I live in the uk but these apps seem not to work for me. Anybody can advise me a budgeting app in the uk?
Maybe I'm old fashioned, but I just use a spreadsheet. It works just fine.
Yeah - some people prefer that method and I say do what works best for you! Thanks for commenting :)
Here are some options to try in the UK! moneyaware.co.uk/2015/07/5-budgeting-apps-tested/
Wow
I see big things for this young lady.
Thank you!
watching your video again for a refresher :)
What's up
Hey where Are you from Are you Latina or thanks for the videos have you checked out Rich dad pool dad books
Love Rich Dad Poor Dad - it resonated with me a lot! I am Latina - my family is from Dominican Republic! Thanks for watching and commenting.
how can you save half your income when you make 250 a week?
I recommend you start with less and build up to saving half as you bring in more money in life. I worked 4 jobs in college and STILL was not saving anything back then, but I wish I had put away $20-$50 an month. If only I knew how important it was back then! Thanks for watching and commenting!
The trick is to not save too much. I know people that have saved so much money through the years to be able to do stuff when they retire, but the the thing is because of inflation, their money is not worth their original value any more. They could have bought so many things, houses, etc but because they saved all of that for later, now they can only afford 1/3 of what they could have bought. Anyway... just a thought
Yup! That's why you have to invest money after you saved up to a certain point. Good point! Thanks for watching and commenting!
Really smart and beautiful
Great info , keep the videos rolling !You're beautiful :)
Thanks for the kind words and for watching!
MOST PEOPLE IN THEIR 20'S DONT GIVE A SHIT, IM JUST BEING HONEST, I HAVE ALWAYS FOUND IT HARD TO TALK TO YOUNG MEN, BECAUSE MOST I KNOW ONLY CARE ABOUT SEX, NOT WITH WHAT YOU ARE TALKING ABOUT.
👌👌
do you have a P.O.box address ? I want to mail you a Cash Money order. Please Stay on youtube. your a motivator. We are Simple people who are Humble. Thank you..
like your video I'm learning lol
Thanks Anthony!
How old are you Missbehelpful?
I'm 29!
@@missbehelpful wow so young. Wish i knew what u know when i was 29. Have u always been smart with finances?
Eres la mujer con la que mis papas y abuelos me recomiendan que me case . Good video btw.
your so pretty
+Jasmine Martinez Thank you!
Me gustan las animaciones :)
Gracias!
De nada compatriota!