This year I challenged myself to do at least one no spend day every week. Have been doing well so far, sometimes not spending for 2-3 days for the week, incl no cash spending, online ordering, or recurring charges for those days.
Taking your advise about saving extra paychecks in Golden months has really improved my financial situation. I came across your channel early last year and implemented alot of your routines, but I just adapted them to my family lifestyle. I use to spend more and save less. Now I save more and spend less.
Oooh! #5 gave me a great idea for one more thing I can adjust with my budget! Earlier this year, I've switched a few of my monthly subscriptions (Canva, Microsoft 365, Hulu, and Disney+) to annual subscriptions. It IS a great way to save because the annual payment is usually offered at a discounted rate; BUT Tip #5 made me realize that I could still budget what I would have paid for those monthly fees and add it to my savings account. So then what I can do is pull out the cash for what that total would have been with each paycheck, then at the end of the month deposit that cash into my savings so that I'll have additional funds in that account on top of what is deposited to it from my paycheck. Thanks for the idea, Alaina! :)
Oddly, when I’m walking my dogs and I see money on the ground, I pick it up! 🙊🤣 I’ve found everything from 1c to €20 and even £20! It all added up for me, and I put it in a little pot that I have to break to get it out!
Right now I’m using the $5 envelope. Every time I get a five dollar bill I put it in an envelope until the end of the year for savings or an emergency. Whatever comes first.
We have a rotating calendar month between envelope method months and no spend months. Our free spending months are only our bday months. Its 3 of us. So the rest of the year we are saving a ton...im talking over a thousand a month.
I have accounts at two separate credit unions. The first account dates back to childhood; the second was opened when a new credit union was running an opening special with an interest-bearing checking account. I have checking and savings through both accounts. I use one for day-to-day, and the other for investments and emergency savings. The money for the emergency account is pulled out of every paycheck, and, as you said, I don’t miss it. I just have to remember to make sure it goes into the savings account instead of the checking account.
I'm new to your channel. I've watch a few videos. I'm grateful for your content. The Holy Spirit is speaking to me concerning planning to change my dysfunctional and reckless ways. I love how he is helping me in all ways
Great and helpful tips, thank you! :) I especially liked the 3rd tip on saving cash in envelopes because it can also help you with realizing that you have money and that you are doing quite well. In having physical money in a dedicated saving space like envelopes you can actually see, with your eyes, that you have money and maybe not stress out too much about it.
Did you practice: "Hi, I'm Alaina"? It sounds so incredibly polished. Forgive me if I spelled your name incorrectly. Thanks for the reminder regarding auto savings deposits. I had started it some years ago but stopped. Set a weekly one up just now. I'm hard wired to think about debt, house repairs and leisure but not savings until something inevitably comes up and I have to incrementally use some of it. Save the Savings is also my other favorite tip! You're a content beast ☺
Wow, I just wandered upon your channel. I need to know how to make a planner. Can a person living on social security save money. I have changed many thing since I have been retired. Never had a 401K. I was always a good saver and I thought I had enough to help me through my retirement. (Depends how long you are going to stay alive...lol. 😂) So, Dog food was costing me 125 a month because of one of my dogs being an diabetic, so I started making my own dog food. I spend approx. 70 dollars and they are healthier and less Vet charges. (Man they are so expensive now days) I spend my time trying not to spend so I took up my college classes of drawing. Then I took up painting. (Furniture) making old into new so I would mentally think I had new furniture. (I have sold some things I have painted too!) You can go to the hardware stores and pick up “Mistake” paint for a fraction of the cost. This kept me busy through most of Covid flu. Now, even though I am soon to be 74 in 2 weeks, I do my own yard work instead of having the guys that cut my lawn do it. Dang I save 50.00 a month. Yes, I have some aches and pains, but then who doesn’t, at my age. 😂. So.... Do you have a vid on making these beautiful planners. Oh, by the way, you have beautiful hands, nice long fingers...Do you play the piano? Your printing is great too. Thank you my dear for helping us all save.
The planner is a discbound style in case that’s what you’re interested in. There’s a decent amount of videos on making your own planners and printable - the biggest challenge is figuring out your preferred layout.
I save all my five dollar bills, then every 6 months I add them to my student loan payment. I also save all my change for special tips during the holiday season.
I've only just found this channel and can't wait to see more. I love your clear yet beautiful presentation style, and judging from the comments, you seem to have a lovely supportive community too.
Wanna save money like a pro, dont lease a new car, dont finace a car of the year. Dont buy anything u cant pay upfront. Dont buy expensive "lates" technology like 1,000 phones. Dont finance furniture from store. Like a 6,000 bedroomset. Dont get store creditcards. Dont spend more than 200 dollars on any clothing gadget like shoes, belt, purse, pants, jackets, dress. Dont buy kitxhen applaince on credit Dont buy washer dryers on credit.
I know you did't ask me but I still hope this helps a little: Money Market accounts usually have higher rates of return as well as higher minimum balances than a standard savings. The goal being to have people save higher amounts and entice them to do so by offering rates like 0.3% verse 0.1%. The rates usually get better with the more money you save, meaning a Money Market with a minimum balance of $2,000.00 may have a rate of .15% but one with a minimum balance of $10,000.00 may have a rate of .25%. Money Markets are used for long term savings where standard savings may be used for long term but typically end up being used for short term because well, life happens!
Which version of the Qapital app do you have? Can you do the basic and still set aside a certain amount from your paycheck? Or do you have to do the Pay Divvy version? Trying to figure out what that feature is.
Don't you dare go to online journaling. Using paper isn't wasting it...especially with your usage. Just beautiful! Digital tools are well and good... until the power goes out or the technology changes. Paper and non-running ink is a reliable method that not only contributes to healthy brain function (seriously), it also provides a tangible information experience. Seven millenia of manual writing instruments and resources can't be all wrong!
@@workin4alivin585 i never stated that using paper and pen is wrong. Using fresh paper and not the other side of used A-4 sheets to create only online content is wastage. The owner would not revisit these pages after say 1-2 times. the world is low on resources lets be wise about their use
@@bhumikasinghal6791 As a lifelong conservationist, I agree we should take care with our use of our resources, however, the "via media" (middle way) is always the wisest path. Too stingy is just as bad as too wasteful. The resources exist to serve us, not the other way around. These planners she's making (and the relatively few of us are actually making) serve a number of purposes--and that is the definition of good conservation. 1) goal journal. 2) time/activity planner, 3) personal historical reference, and 4) historical journals for succeeding generations (if people did not write down their "stuff," we would know precious little about the daily lives of the common man throughout history. IMHO these are gold and deserving of quality treatments. I have my calendars and planners (FAR less elaborate) from starting high school going through my late 40s, when my life slowed down enough that scheduling my life wasn't necessary. Re-discovering them and sharing them with my children is very special. They bridge generation gaps and seed wisdom and understanding. And they have been vital in my professional career (as portfolios of my experience for creating resumes, etc.). I am amazed at how much I did. No wonder I'm tired! I would invite you to re-frame your perspective in this instance.
@@workin4alivin585 " lifelong conservationist," > thanks :) you did your bit for us. people kept historical references in middle ages mostly cz they didnt have the digital means. Information jotted down on paper / word doc is information. What you have from high school is cz then computers/phones were nt readily available. Offices now dont give wall /desk calendars mostly to cut costs and cz they are available on phone/comps. If these journals are going to passed around in the community were digital options are not present then sure ..this is the best way possible.
@@bhumikasinghal6791 🙂 Writing goes back to antiquity. It was the development of universities and then the printing press (combined to help spread literacy to the masses--which, in turn, helped spawn the middle class, along with banking/double entry bookkeeping) that caused the explosion of writing among common people. In terms of archiving, what we've learned in most recent days is that digital media is fickle. It is only accessible under two simultaneous conditions: 1) there is electricity and 2) there exists the technology, in working order, to store and access it. I cringe to think of the pictures and documents I've lost over the past 40 years b/c either the storage device deteriorated or the reading technology became antiquated (e.g. Windows 98 was an excellent OS, but is now so many generations back that data is essentially lost--in less than 30 years, whereas we have writings over 2000 years old). Computers were supposed to give us "paperless offices." But the ease of technology has only multiplied the use and waste of paper. To heck with journals as waste. Tis but a piffle. It's the schools and government/business offices around the developed world that are the real source of paper waste. I've worked in all three and without exception massive paper waste is ubiquitous. And don't get me started on junk mail. 🤯 At least copy paper is easily recyclable. This has been a lovely discussion. Best wishes to you.
Please….the basics…use pencil & paper, instead of a fancy journal & stickers, no manicures or do them yourself !!!!! , don’t buy holders for money, stick it in a hiding place in your home, like a purse in your closet. Cook at home….no charts or games…again a friggin piece of paper !!! LOL !!! No eating out !!! That saves money !!! Duh !!! No spend days !!! Just don’t spend any extras at all - only the necessities- food, shelter, utilities, etc.
😂😂 where is the fun in that! I still want to live and have fun while reaching my financial goals. I love stickers, journals, notebooks, and eating out…. And we save money as well… 😊
@@TheOrganizedMoney my bad…I thought the point of your video was to share consumers pointers on saving money. I did not realize having fun was really your objective.
@@dawnross644 u too nuff. Why dont you make a youtube channel and teach people ur so called way of "saving". Nobody asked you anything🙄 Hate the guys of people like you.😒
This video is about tips for saving money, not living super frugal. If she wants to save on some things so she can afford doing other things that she likes, who are you to attack her like that? Can we please let people do whatever they want instead of being so judgemental?
@@RocioPerez-rd3pl Sorry, you don’t know the difference between a comment & an attack. But, consider the source. If one is giving savings tips, gives tips. I saw how to spend money, not save. So, thus my COMMENT. So, BITE ME B !! That’s an attack...LOL !! Get a life !!!
Used to use qapital and loved it. But as a college student and not making much money for the app to charge me to use their app I just started making my own boxes to store money in
The nails, the neat penmanship, the voice, the $ tips, BEAUTIFULLY done!💜💜💜💜
Agree 💕
Definitely agree ❤️
Agree!!!
This year I challenged myself to do at least one no spend day every week. Have been doing well so far, sometimes not spending for 2-3 days for the week, incl no cash spending, online ordering, or recurring charges for those days.
I like this
Saving tip: only spend paper bills, put coins in a jar. It adds up!
This is my crazy money, my best friend and her husband use it to pay for cruises.
Have a blessed day everyone. Thank you for keeping us educated and motivated.
Taking your advise about saving extra paychecks in Golden months has really improved my financial situation. I came across your channel early last year and implemented alot of your routines, but I just adapted them to my family lifestyle. I use to spend more and save less. Now I save more and spend less.
Oooh! #5 gave me a great idea for one more thing I can adjust with my budget!
Earlier this year, I've switched a few of my monthly subscriptions (Canva, Microsoft 365, Hulu, and Disney+) to annual subscriptions. It IS a great way to save because the annual payment is usually offered at a discounted rate; BUT Tip #5 made me realize that I could still budget what I would have paid for those monthly fees and add it to my savings account. So then what I can do is pull out the cash for what that total would have been with each paycheck, then at the end of the month deposit that cash into my savings so that I'll have additional funds in that account on top of what is deposited to it from my paycheck.
Thanks for the idea, Alaina! :)
This is awesome! I love how you write it out as you talk about it then save it in a binder! Love it!
Oddly, when I’m walking my dogs and I see money on the ground, I pick it up! 🙊🤣 I’ve found everything from 1c to €20 and even £20! It all added up for me, and I put it in a little pot that I have to break to get it out!
Right now I’m using the $5 envelope. Every time I get a five dollar bill I put it in an envelope until the end of the year for savings or an emergency. Whatever comes first.
We have a rotating calendar month between envelope method months and no spend months. Our free spending months are only our bday months. Its 3 of us. So the rest of the year we are saving a ton...im talking over a thousand a month.
I have accounts at two separate credit unions. The first account dates back to childhood; the second was opened when a new credit union was running an opening special with an interest-bearing checking account. I have checking and savings through both accounts. I use one for day-to-day, and the other for investments and emergency savings. The money for the emergency account is pulled out of every paycheck, and, as you said, I don’t miss it. I just have to remember to make sure it goes into the savings account instead of the checking account.
I love No Spend days. I going to start doing that. And I want to download the Bingo game. And I love the way you use stickers.
I'm new to your channel. I've watch a few videos. I'm grateful for your content. The Holy Spirit is speaking to me concerning planning to change my dysfunctional and reckless ways. I love how he is helping me in all ways
I’m doing "no spend June" Can't wait to see how much I can save.
how is it going so far??? i am doing this in July and I am soo nervous
@@emilyfierro7696 wish u the very best, hope it goes well ❤ God bless xx
@@rem6563 thank you so much!!! same to you xxx
Great and helpful tips, thank you! :) I especially liked the 3rd tip on saving cash in envelopes because it can also help you with realizing that you have money and that you are doing quite well. In having physical money in a dedicated saving space like envelopes you can actually see, with your eyes, that you have money and maybe not stress out too much about it.
Beautiful, relaxing and helpful.
Thank you!
Did you practice: "Hi, I'm Alaina"? It sounds so incredibly polished. Forgive me if I spelled your name incorrectly. Thanks for the reminder regarding auto savings deposits. I had started it some years ago but stopped. Set a weekly one up just now. I'm hard wired to think about debt, house repairs and leisure but not savings until something inevitably comes up and I have to incrementally use some of it. Save the Savings is also my other favorite tip! You're a content beast ☺
Wow, I just wandered upon your channel. I need to know how to make a planner. Can a person living on social security save money. I have changed many thing since I have been retired. Never had a 401K. I was always a good saver and I thought I had enough to help me through my retirement. (Depends how long you are going to stay alive...lol. 😂) So, Dog food was costing me 125 a month because of one of my dogs being an diabetic, so I started making my own dog food. I spend approx. 70 dollars and they are healthier and less Vet charges. (Man they are so expensive now days) I spend my time trying not to spend so I took up my college classes of drawing. Then I took up painting. (Furniture) making old into new so I would mentally think I had new furniture. (I have sold some things I have painted too!) You can go to the hardware stores and pick up “Mistake” paint for a fraction of the cost. This kept me busy through most of Covid flu. Now, even though I am soon to be 74 in 2 weeks, I do my own yard work instead of having the guys that cut my lawn do it. Dang I save 50.00 a month. Yes, I have some aches and pains, but then who doesn’t, at my age. 😂. So.... Do you have a vid on making these beautiful planners. Oh, by the way, you have beautiful hands, nice long fingers...Do you play the piano? Your printing is great too. Thank you my dear for helping us all save.
The planner is a discbound style in case that’s what you’re interested in. There’s a decent amount of videos on making your own planners and printable - the biggest challenge is figuring out your preferred layout.
I save all my five dollar bills, then every 6 months I add them to my student loan payment. I also save all my change for special tips during the holiday season.
I've only just found this channel and can't wait to see more. I love your clear yet beautiful presentation style, and judging from the comments, you seem to have a lovely supportive community too.
Great video...The penmanship is beyond words 🖍🖌
I need to watch EVERY video!!! I love saving money and these tips will help, thanks.
Love the cash envelope binder, such an organized way to manage your finances
Golden months are very difficult for people who get paid once a month. We have the same amount of money but extra days to cover.
Her videos are SOOO SATISFYING TO WATCH and also incredibly helpful
Wanna save money like a pro, dont lease a new car, dont finace a car of the year. Dont buy anything u cant pay upfront. Dont buy expensive "lates" technology like 1,000 phones.
Dont finance furniture from store. Like a 6,000 bedroomset.
Dont get store creditcards.
Dont spend more than 200 dollars on any clothing gadget like shoes, belt, purse, pants, jackets, dress. Dont buy kitxhen applaince on credit
Dont buy washer dryers on credit.
Love this video, you sound so peaceful
Is it safe to use and app that gets your money from your bank account?
Love saving money ❤enjoy your journey
I love these videos with the tips and decorating.
I absolutely love these ideas
What are sinking funds, exactly? Do you have a video of how you set up your cash envelopes? Blessings.
A sinking fund contains money that you contribute on a regular basis, usually every paycheck, to save towards a future expense.
Loved this!! Thanks for the insights. What planner are you using?
Thanks for making this video lots of help
This was so informative and SO RELAXING. 💗
Hey there. Great tips for sure. I love save the savings thats a good one! No spends are so hard!
I really need this video🤦♀️thank you so much! Love this content👍💗
Such an informative video! Thank you
I love ur handwriting 😍
Going to watch the golden month video. Thanks girl
Stunning personality super lovely. Thanks for sharing
Thank you so much for your video. This is the first time I see your channel, I really enjoy it :).
Super cute video style, thanks for sharing!
Beautiful. Thank you. 😊
What’s the difference in money market vs savings accounts 🧐
I know you did't ask me but I still hope this helps a little: Money Market accounts usually have higher rates of return as well as higher minimum balances than a standard savings. The goal being to have people save higher amounts and entice them to do so by offering rates like 0.3% verse 0.1%. The rates usually get better with the more money you save, meaning a Money Market with a minimum balance of $2,000.00 may have a rate of .15% but one with a minimum balance of $10,000.00 may have a rate of .25%. Money Markets are used for long term savings where standard savings may be used for long term but typically end up being used for short term because well, life happens!
Which version of the Qapital app do you have? Can you do the basic and still set aside a certain amount from your paycheck? Or do you have to do the Pay Divvy version? Trying to figure out what that feature is.
Me: trying to save money
My parents: taking the money and telling me they will get it back
Me: sometimes not getting it back after 2 Months ✨
Give not get*
I love it! I downloaded your savings game and it works! It was also a lot of fun!!
Thank you for sharing!
I have a concurrent cash challenges and automatic savings. I try to do those no spend days but lawd!!!!! Lol
This is such an amazing video! Thank you so much for this wonderful content! Would love to do this as well on my channel.
What do you define as a no spend month?
For me it means I pay bills and that’s it. All the left over money after bills goes right into savings or sinking funds.
I just subscribed. Love your videos! I wanted to ask about the Savings Bingo. What do I do after I download it?
Save an amount each week! You’ll save $1000
@@TheOrganizedMoney Cool!! Thank you! Can’t wait to watch more of your videos.
Great info, tfs😊
Excellent ☺️☺️☺️
Does the app work outside the us 🇺🇸
This is my first video of yours 😊 Hello 🤗
Wow
awesome! 🔥
Smart woman!
strategy to save money... BUY tons of stickers, use excessive amounts of them...
Are you from New Orleans?! Very random I know.
You can't save money if you can't find a decent job to make money.
🤑PRAYING FOR A J.O.B. just for YOU❣
Actually you can, it's just on a smaller scale. Been there, done that. Praying for you.🙏 Hang in there!
❓
💜💜💜💜💜
I love NO SPEND MONTHS🤗
you are wasting a lot of paper .. please consider an online journal. amazng video though
Don't you dare go to online journaling. Using paper isn't wasting it...especially with your usage. Just beautiful!
Digital tools are well and good... until the power goes out or the technology changes. Paper and non-running ink is a reliable method that not only contributes to healthy brain function (seriously), it also provides a tangible information experience. Seven millenia of manual writing instruments and resources can't be all wrong!
@@workin4alivin585 i never stated that using paper and pen is wrong.
Using fresh paper and not the other side of used A-4 sheets to create only online content is wastage. The owner would not revisit these pages after say 1-2 times.
the world is low on resources lets be wise about their use
@@bhumikasinghal6791 As a lifelong conservationist, I agree we should take care with our use of our resources, however, the "via media" (middle way) is always the wisest path. Too stingy is just as bad as too wasteful. The resources exist to serve us, not the other way around.
These planners she's making (and the relatively few of us are actually making) serve a number of purposes--and that is the definition of good conservation. 1) goal journal. 2) time/activity planner, 3) personal historical reference, and 4) historical journals for succeeding generations (if people did not write down their "stuff," we would know precious little about the daily lives of the common man throughout history. IMHO these are gold and deserving of quality treatments.
I have my calendars and planners (FAR less elaborate) from starting high school going through my late 40s, when my life slowed down enough that scheduling my life wasn't necessary. Re-discovering them and sharing them with my children is very special. They bridge generation gaps and seed wisdom and understanding. And they have been vital in my professional career (as portfolios of my experience for creating resumes, etc.). I am amazed at how much I did. No wonder I'm tired!
I would invite you to re-frame your perspective in this instance.
@@workin4alivin585 " lifelong conservationist," > thanks :) you did your bit for us.
people kept historical references in middle ages mostly cz they didnt have the digital means.
Information jotted down on paper / word doc is information. What you have from high school is cz then computers/phones were nt readily available. Offices now dont give wall /desk calendars mostly to cut costs and cz they are available on phone/comps.
If these journals are going to passed around in the community were digital options are not present then sure ..this is the best way possible.
@@bhumikasinghal6791 🙂
Writing goes back to antiquity. It was the development of universities and then the printing press (combined to help spread literacy to the masses--which, in turn, helped spawn the middle class, along with banking/double entry bookkeeping) that caused the explosion of writing among common people.
In terms of archiving, what we've learned in most recent days is that digital media is fickle. It is only accessible under two simultaneous conditions:
1) there is electricity and
2) there exists the technology, in working order, to store and access it.
I cringe to think of the pictures and documents I've lost over the past 40 years b/c either the storage device deteriorated or the reading technology became antiquated (e.g. Windows 98 was an excellent OS, but is now so many generations back that data is essentially lost--in less than 30 years, whereas we have writings over 2000 years old).
Computers were supposed to give us "paperless offices." But the ease of technology has only multiplied the use and waste of paper. To heck with journals as waste. Tis but a piffle.
It's the schools and government/business offices around the developed world that are the real source of paper waste. I've worked in all three and without exception massive paper waste is ubiquitous. And don't get me started on junk mail. 🤯 At least copy paper is easily recyclable.
This has been a lovely discussion. Best wishes to you.
Please….the basics…use pencil & paper, instead of a fancy journal & stickers, no manicures or do them yourself !!!!! , don’t buy holders for money, stick it in a hiding place in your home, like a purse in your closet. Cook at home….no charts or games…again a friggin piece of paper !!! LOL !!! No eating out !!! That saves money !!! Duh !!! No spend days !!! Just don’t spend any extras at all - only the necessities- food, shelter, utilities, etc.
😂😂 where is the fun in that! I still want to live and have fun while reaching my financial goals. I love stickers, journals, notebooks, and eating out…. And we save money as well… 😊
@@TheOrganizedMoney my bad…I thought the point of your video was to share consumers pointers on saving money. I did not realize having fun was really your objective.
@@dawnross644 u too nuff. Why dont you make a youtube channel and teach people ur so called way of "saving". Nobody asked you anything🙄 Hate the guys of people like you.😒
This video is about tips for saving money, not living super frugal. If she wants to save on some things so she can afford doing other things that she likes, who are you to attack her like that?
Can we please let people do whatever they want instead of being so judgemental?
@@RocioPerez-rd3pl Sorry, you don’t know the difference between a comment & an attack. But, consider the source. If one is giving savings tips, gives tips. I saw how to spend money, not save. So, thus my COMMENT. So, BITE ME B !! That’s an attack...LOL !! Get a life !!!
Used to use qapital and loved it. But as a college student and not making much money for the app to charge me to use their app I just started making my own boxes to store money in