Hi Kim, I'm thinking of you. I'm hoping things are getting a wee bit easier. I miss not seeing you every other day. I miss you. I miss you. I miss you 😢 love you bunches. Big hugs. 💗🙏🏼🌸🌴🌹🪴
Hi Yvonne!! 🤗❤️ It’s been pretty stressful over here still but I know things will get better in time. Thank you so much for thinking of me. I just recorded a video today so hopefully I can edit & upload it by this weekend 🙏🏾 I really appreciate you checking in my friend. Love ya lots💗
Hi Kim!!! Great seeing and hearing you🥰🥰🥰🥰 I’m a low risk gal too…however, I’m married to a high risk dude…we balance each other😂😂😂 I’m loving CDs right now! Great info!!!
Hey Melissa!! 😘🤗❤️💗 That’s actually kinda cool to me how you balance each other out. My husband is pretty hands off with the finances. So I’m just trying to figure out what best. CDs are my jam!! At least while the rates are high😂
I’ve been thinking about opening a CD, or doing a ladder like Jessie, so this was helpful! I’ve honestly never heard of several of these banks. I missed you, friend! I hope you are doing ok ❤❤
Hey Katie! 🤗❤️ Thank you sweet friend. I really need to get back on track with videos. I’m right there with you on the CD ladder thoughts. I want to do it more like Jessie is this time around. My last ladder was spaced too far out (every year) I hated waiting that long 😂
Good afternoon Kim... thanks for going in detail about the CD I heard people talk about it and got interested in them but not sure how they worked..thanks for this educational video
Hi Kim👋🏼 Thanks for all this info. I have never opened a CD. I’m thinking of starting a CD ladder like Debt Free Jessie and Tracey from Golden Girl Budgets. 😊💚
Hi Cathy!! 💗🤗 I think it’s a cool idea. I’m definitely going to get back into the CD ladder game. I just need the rate to be higher than 5.40% for it to be worthwhile
Hey budget buddy!!! So good to see you! ♥️ I have been dragging my feet on CD ladders. I am interested to do it eventually… just waiting on getting some things situated. Like you said, probably not a good idea to start one if you might need the money soon. 😂 Thanks so much for sharing! I appreciate you! 😘
Heeey Kristine!!! Soooo good to hear from you buddy!🤗 I’m in a similar frame of thought with getting some things situated before turning to CDs. My issue is the income stream or I should say trickle 😂 Once I get 2 more cleaning customers, I should be ready to jump back into building a CD ladder.
Hey Jerri! 😘 One of the budgeters here said they are common where she lives. Add on CDs aren’t common by me, but I think it would be great to get one with a high rate.
Hi my sweet Gillian🤗 I still remember you asking me what a CD was back when I first started on YT. It was you that taught me that I should explain things for those who live outside the US. 🥰
I had to look up REITs after reading your comment. 😂 So I do not have any thoughts on real estate investment trusts right now. But I will be researching them now. That’s cool that you’re thinking of starting a cleaning business. We aren’t doing much with ours right now because we don’t have much time to devote to it. I think there’s a lot of money to be made in that industry if one is willing to put the time into it.
Good morning Imani!! ❤️❤️❤️ Thank you my friend. Yea, CDs are looking really good right now. I’m thinking about locking one in before the rates dip again
Great to see you this morning 🥰🥰 Great info! I know the credit unions in our area all offer CD’s you can add too so I’m wondering if it might be a credit union thing rather than a bank thing 🤷🏼♀️
Hey Kim, just came across your channel yesterday. Was curious if you are familiar with Treasury bills. They are currently earning better rates than cd's, plus you don't have to pay local or state taxes on treasury bills, only federal tax. And you can set them up however liquid you need them to be. Thanks for the videos, hope you're doing ok!
Great tip!! I’ve looked into I-bonds but not treasury bills. That’s so interesting. I’m definitely going to research them. Thank you so much for suggesting.
hey Kim how are you. I think with alliant creditunion I'm able to join with my job affiliation.. yes Sallie Mae is the name given for the student loan people. Freddie Mac is the nickname given to The Federal Home Loan Mortgage Corporation, or FHLMC.
Hi Kim, I'm thinking of you. I'm hoping things are getting a wee bit easier. I miss not seeing you every other day. I miss you. I miss you. I miss you 😢 love you bunches. Big hugs. 💗🙏🏼🌸🌴🌹🪴
Hi Yvonne!! 🤗❤️ It’s been pretty stressful over here still but I know things will get better in time. Thank you so much for thinking of me. I just recorded a video today so hopefully I can edit & upload it by this weekend 🙏🏾 I really appreciate you checking in my friend. Love ya lots💗
Hi Kim!!! Great seeing and hearing you🥰🥰🥰🥰 I’m a low risk gal too…however, I’m married to a high risk dude…we balance each other😂😂😂 I’m loving CDs right now! Great info!!!
Hey Melissa!! 😘🤗❤️💗 That’s actually kinda cool to me how you balance each other out. My husband is pretty hands off with the finances. So I’m just trying to figure out what best. CDs are my jam!! At least while the rates are high😂
So happy to see you and your beautiful smile❤ welcome back
Aw, thank you!! You’re so sweet!! ☺️💗
Hello Kim, I’m just coming across your channel on 12/25/23 and this is my second video watch. Great content.
Hi Jade 🤗 Thank you very much. I really appreciate you watching and taking the time to comment
I’ve been thinking about opening a CD, or doing a ladder like Jessie, so this was helpful! I’ve honestly never heard of several of these banks.
I missed you, friend! I hope you are doing ok ❤❤
Hey Katie! 🤗❤️ Thank you sweet friend. I really need to get back on track with videos.
I’m right there with you on the CD ladder thoughts. I want to do it more like Jessie is this time around. My last ladder was spaced too far out (every year) I hated waiting that long 😂
Hi Kim! It's good to see you my friend.. Great information to know!!💖💖
Hi Shon💗 Thank you so much for stopping by!! You’re such a sweetheart😘
Good afternoon Kim... thanks for going in detail about the CD I heard people talk about it and got interested in them but not sure how they worked..thanks for this educational video
Hi Vanessa! Oh cool! I’m happy to hear that I was able to help a bit. I’ve been enjoying CDs. Now is a good time to open them while the rates are high
Hi Kim👋🏼 Thanks for all this info. I have never opened a CD. I’m thinking of starting a CD ladder like Debt Free Jessie and Tracey from Golden Girl Budgets. 😊💚
Hi Cathy!! 💗🤗 I think it’s a cool idea. I’m definitely going to get back into the CD ladder game. I just need the rate to be higher than 5.40% for it to be worthwhile
Very useful information thank you for sharing ❤
Heeey Nickii💗🤗😘 Thank you
We do love you and enjoy hearing you talk, 😊 you not a nut case😮 you lovely 🥰
💗💙💗
Lol!! I adore you Cris!! Thank you!!😘
Great info. I havent heard of most of these banks but cool info to look into.
Most of them are unfamiliar to me too. But I’m intrigued with CIBC. You must like them to gave been with them so long…🤓
Hiii Kim! 🤗💕✨ I’m here watching sis!
Heeey Ashley!!! ❤️💗❤️
Hey budget buddy!!! So good to see you! ♥️ I have been dragging my feet on CD ladders. I am interested to do it eventually… just waiting on getting some things situated. Like you said, probably not a good idea to start one if you might need the money soon. 😂 Thanks so much for sharing! I appreciate you! 😘
Heeey Kristine!!! Soooo good to hear from you buddy!🤗 I’m in a similar frame of thought with getting some things situated before turning to CDs. My issue is the income stream or I should say trickle 😂 Once I get 2 more cleaning customers, I should be ready to jump back into building a CD ladder.
@@debt2none so exciting to hear about your new business! You will get through this ♥️
@kristine_budgets_and_bujos Thank you Kristine!!!🤗😘
Hello Friend,
Good to see you, you are looking fab💖
Thanks for the info, something for me to think about
Hi Tess❤️❤️❤️ Aww! Thank you sweet friend! 😘
Hi Kim, that’s interesting to know. Usually bank asked a big lump of money but a small amount it will make you feel like we can do it.😊 ❤
I completely agree with you. The smaller amounts are much more manageable. 🤗
Hey, Kim! 💜💜 That's interesting. I never heard of add-on CDs. I always wondered about that. Glad you got your cleaning business up and running!
Hey Jerri! 😘 One of the budgeters here said they are common where she lives. Add on CDs aren’t common by me, but I think it would be great to get one with a high rate.
Hey lovely lady.. Good to see you. Well being in the UK.. Im not sure what our similar plan is.. But it's good to know
Hi my sweet Gillian🤗 I still remember you asking me what a CD was back when I first started on YT. It was you that taught me that I should explain things for those who live outside the US. 🥰
@@debt2none 🤣🤣.. You're the YTer that talks about them.. That's probably why I didn't have a clue what they were🤣
@GillianBudgets20203 😆😂
Hi Kim 🤗 great informative video! I learned a lot more about CDs from watching this. Thank you! ☺️💜 28:35
Hey Nine❤️ Thank you soooo much for tuning in😘
Have you ever invested in REITS before or what’s your thoughts on them. I’m looking to start a cleaning biz also😊
I had to look up REITs after reading your comment. 😂 So I do not have any thoughts on real estate investment trusts right now. But I will be researching them now. That’s cool that you’re thinking of starting a cleaning business. We aren’t doing much with ours right now because we don’t have much time to devote to it. I think there’s a lot of money to be made in that industry if one is willing to put the time into it.
Good morning Kim! It’s so nice to see you! Great info on the cds. I’ve been looking into them recently. 💜🌻
Good morning Imani!! ❤️❤️❤️ Thank you my friend. Yea, CDs are looking really good right now. I’m thinking about locking one in before the rates dip again
Great to see you this morning 🥰🥰
Great info! I know the credit unions in our area all offer CD’s you can add too so I’m wondering if it might be a credit union thing rather than a bank thing 🤷🏼♀️
Hi Courtney!! Really? Wow! The credit unions out here don’t offer the add on CDs. Or if they do, their rates are too low to even be interested in 😂
Hey Kim, just came across your channel yesterday. Was curious if you are familiar with Treasury bills. They are currently earning better rates than cd's, plus you don't have to pay local or state taxes on treasury bills, only federal tax. And you can set them up however liquid you need them to be. Thanks for the videos, hope you're doing ok!
Great tip!! I’ve looked into I-bonds but not treasury bills. That’s so interesting. I’m definitely going to research them. Thank you so much for suggesting.
hey Kim how are you. I think with alliant creditunion I'm able to join with my job affiliation.. yes Sallie Mae is the name given for the student loan people. Freddie Mac is the nickname given to The Federal Home Loan Mortgage Corporation, or FHLMC.
Hi Desiree!💗 I’m still hanging in there.
I had the song I paid Sallie Mae Back stuck in my head for the rest of the day. 😂
@@debt2none lol 🤣🤣🤣🤣
Ive been with cibc since 17 years old (ontario) lol so 16 years 🤯🤯 .. didn't know they had a U.S headquarters.. interesting! 😊
You have? So cool!! I meant to say that their US branch is headquartered in Chicago. 🤦🏾♀️ It came out all wrong.
Oh man… I just opened a Marcus. I wonder if I can go back an use your referral
Hey congratulations! 🎉 It’s okay, just get your friends and family to open an account & use your referral code so you can get earn the higher rate 🙌🏾
❤️🔥❤️🔥❤️🔥
🤗💗😘Thank you my sweet friend!!
Hello 😊
Heeey!! ❤️