Thank you! I just realized I’d prefer to earn interest on the funds that I’m getting from the CD rather than throwing a huge chunk towards debt. I’m so excited to finally have a legit emergency fund. Finally!!! 😆
Hey Kim! Another balance transfer! I’m here for the ride. 😅 Completely get it. I love the penny bank! So cute! I’m still tuning in but I may forget what I was going to say before the video ends. 💜🎉😄
After listening to jazz, he has started a CD ladder, on the first of each month I’m going to deposit the amount of that month like August $80 September $90 etc. and do I only put in $10. I started one for my grandson and one for my granddaughter to use for a college expenses or if you’re living expenses when I go to college. My grandson his last time he’s already 15 but my granddaughter is only four months old. I am six months ahead on my water/sewage (on the same bill) and my garbage bill I’ve just been adding $10 a month extra and it’s added up to an extra six months of payments. I wish I could actually do more bills like that, I can’t do everything like that but it relieves two things that I wouldn’t even have to think about for the first six months in crisis or emergency.
I really like that idea with the CD ladder. I always say something is better than nothing. I love that you’re 6 months ahead with a couple of bills. Way to go!! 🙌🏾🎉
Heeey Jessie!!! I’m so obsessed with CDs. And yea, Marcus is definitely worth checking out. Their Referral rate is blowing the 4% on my checking account out the water!
Hi Kim! ❤ So great to see you. It's ok to pause, I am pausing debt too. I really want to save. Saving is more fun. I do pay debt. Probably 75% to savings and 25% to debt. In happy with that for now. Congratulations on 19 years of marriage. I miss you tons. Hope to see you real soon. ❤🤗
Hi Yvonne!! 🤗😍 Thank you my sweet friend! 💕💝 I totally agree with you, it’s way more fun to save. You and I are on the same page. I’m throwing 75% in savings too 🙌🏾
I am so proud of you. You are my inspiration. I saw one of my credit card payments make a difference. My cash available amount increase. Not using it but it felt good to know that I am moving forward. Yeah! 😃
Wahoo!!!🎉🙌🏾🎉 You are definitely making progress, Melanie! That’s so great to hear! I know that feels good too. Thank you so much my dear friend. It means a lot to know that I’m able to inspire you. 🥹💗
Sounds like you did amazingly in June, you should be proud of yourself 💪💪💪 Emergencies happen but once you get the plumbing you will feel amazing and you will not have to worry about the house. Is all about keeping your castle 🏰 my queen 👸 💗💙💗 Amazing milestone 19 years together 💗💙💗
Thank you Cris!!! 😘💕 I should be proud of myself, you’re right. I feel a little stressed about the added expense but I’m sure all will work out. I think it’ll be a slow process for us to address everything that needs attention in this old house. Little by little we’ll get it done. 😅
Hey Kim, yes I have miss your video just because I love the way you look at things. Its great that you can switch up thing to move the way life moves. I did love the identity theft video, you are a great storyteller. June was our first month cash stuffing and for once we were able to save, for some reason July is a lot tighter, not sure why but still figuring things out. Any who. Great video as always.❤
Hi Gina!!! 🤗 Thank you sooooo much!! You are the sweetest💗 How cool that you started cash stuffing. It’s a fantastic way to budget. That’s great that y’all were able to save money in June! 🙌🏾 July will be tight for us too. I really need to try to cut all extra spending for the month. 🤦🏾♀️
I love your ability to switch gears. You and your budget should always?4 adaptable 🙌🏼 Look at you playing with that prop cash again! Love to see it, but I really love that you are still earning that interest.
Thank you Katie! It’s funny how much I just stare at all this prop cash. I keep telling myself that one day I’ll have the entire sum of it in my savings account, racking up the interest. I can’t wait!!!
Thank you!! 💝 I completely understand where you’re coming from. I was in such a hurry to pay off my debt so I couldn’t save consistently. But if you’re paying debts& investing that’s huge! 🙌🏾 I’m not in the investing game yet.
Yes, I am also a digital budgeted but still use binders. And have all my savings based envelopes in a high yield account and I love seeing it grow more and more . My sinking funds are in a basic savings account as it’s more revolving.
Hey Kim! You are getting so close to paying that debt off. Life always likes to throw wrenches into things right before the finish line right?! 😂 Due to a lot of recent medical expenses, we will be pausing our extra debt payments as well and concentrate on building the EF back up. Great vid as always! ❤
Sounds like you & I are on the same page in our thought process. Oh my word, life’s wrenches keep coming at me!!! Everything has completely turned upside down for us. 😩 I have to do another update video
Kim I know that's right! You have to be able to adjust your plans accordingly. Love the Piggy bank. I was a cabbage patch kid enthusiasts as a child. 😊🩷💜🩷 19years is amazing 👏🏿 and that CD 🙌🏾.
Hey Kim! It’s great that you can switch gears so easily! Life stuff can change so much and there’s always something that comes up, it only makes sense to adapt your budget to what will work better for you. 🙂
Kristine!!! Hey girl!!😘 Thank you my friend. Life stuff really does change everything sometimes. So much beyond our control. 😅 At least we can control our budget and our journey 🙌🏾
Hey Courtney!!! 💗💝🤗 Thank you so much for saying that. At first, I was a little sad about not being debt free until 2024 but I think this will work out well. You make me feel better about switching things up.
Is the Goldman Sachs a guaranteed 5.15 or only a guaranteed 1% over the current rate? Any interest I earn in my Gringotts 😆 account goes to that category; % earned in my emergency/things I forgot to budget goes to the emergency category; % earned in my sinking funds has been going to my vacation account since I have a trip at the end of the year. I’m still working on my month ahead goal and the plan is to finish this month. The next goal is to build up some sinking funds that I don’t fund monthly. Then it’s back at debt starting in October.
Nice job!! You’re so organized. Sounds like you have a great plan going. I love that! Yes, only the 1% above is guaranteed for 3 months with each referral.
As soon as you said you applied for a credit card, I instantly thought, "She must have done another balance transfer." 🤣 Do whatever's best for you, Kim. Love that you're adaptable. I love Penny! #propmoneygang 🤞🏾✌🏾👌🏾 👈🏾 Those are my gang signs 🤣 Yes! I love looking at those numbers adding up in my account and seeing that interest. Made $80 this month! 🙌🏾 My goal is to get to $100 this year. Yesss! The CD's coming soon! Oh wow, 19 years is such a great accomplishment! I was just thinking about the identity theft video the other day. I was like, "Where is part two?!!? I need itttttt!!!" Can't wait! 💜💜💜
Yep, you know me. Lol!!! The balance transfer got me again 😆. I couldn’t think of any other way to put the brakes on my high speed debt payoff. Your gang signs are perfect, I’m practicing them right now so I can throw them up in a video. I’ll holler “PMG for life!!”🤞🏾✌🏾👌🏾👈🏾 Then I’ll throw sign to you. 🤣😂🤣 Yessss!!! Look at you racking up the interest!! 👏🏾😍 I can’t wait to get there. I’m only at $40 right now. But I’m drooling thinking about the interest I’ll be able to earn after September. Oh yea, Part 2 def has to be my next upload.
Quick question..do you have family or friends watching your videos.. Did you ever wonder about judgement from them before starting this channel. I ask because I want to use this platform for accountability & start a channel.
Some of my friends do watch my videos. I’ve gotten some good feedback from them. Initially, I was afraid to put my face out there because I was embarrassed by my income. But I got over that. As far as being judged by people I know, I really don’t care. I have to do what’s best for me. And this channel has helped me to get my finances in order. So I’m grateful. ☺️
Omg Kim!! How adorable and cute is Penny!! 😍🥰 Great video and updates as always!
Thank you sooo much!!! I can’t even believe I’ve kept her safe all these years 🤗💕
As always another great video Kim!
Thank you soooo much Elma!! 🤗💕
I feel the same as you. I pay debt off then switch altogether. I have a hard time staying focused just like you. Well, good luck!
Thank you! I just realized I’d prefer to earn interest on the funds that I’m getting from the CD rather than throwing a huge chunk towards debt. I’m so excited to finally have a legit emergency fund. Finally!!! 😆
Hey friend!!! I know I have been a stranger 😭 Yes! I am doing the CD ladder too and totally love it! Look at that cute cabbage patch bank!
TRACEEEEY!!!!! 🤗Hey girl hey!!! I’ve been a stranger myself 🤦🏾♀️ You’re doing a CD ladder too? I love that! I plan to get mine started again soon.
Hey Kim! Another balance transfer! I’m here for the ride. 😅 Completely get it. I love the penny bank! So cute! I’m still tuning in but I may forget what I was going to say before the video ends. 💜🎉😄
Hey Imani!! 🤗. Yep, another balance transfer 🤣😂🤣
Hey lovely lady... Long time... Missed you. Ye paying debt is not as fun as saving. Looks like you have a great plan... ❤
Hi Gillian. My world has turned upside down….it’s rough over here. Miss you too, love😘
I love that you are doing the prop slips and showing some of your cash stuffing. It’s fun. Aaahhhh September come on!!!
Heeeey Errika!!! 💕 Lovin the prop cash stuffing…pretty cool how that interest adds up. I can’t wait until September!!!! 🎉😍🙌🏾
After listening to jazz, he has started a CD ladder, on the first of each month I’m going to deposit the amount of that month like August $80 September $90 etc. and do I only put in $10. I started one for my grandson and one for my granddaughter to use for a college expenses or if you’re living expenses when I go to college. My grandson his last time he’s already 15 but my granddaughter is only four months old.
I am six months ahead on my water/sewage (on the same bill) and my garbage bill I’ve just been adding $10 a month extra and it’s added up to an extra six months of payments. I wish I could actually do more bills like that, I can’t do everything like that but it relieves two things that I wouldn’t even have to think about for the first six months in crisis or emergency.
I really like that idea with the CD ladder. I always say something is better than nothing. I love that you’re 6 months ahead with a couple of bills. Way to go!! 🙌🏾🎉
heyyy Kim, lady we've missed you. Hope all is well. omg i loveee ur cabbage patch doll bank
Desiree!! Hey sweet lady!!🤗 Thank you so much. I’m missing y’all. I really need to spend a full day catching up.
Yas to the CDs, Kim!!!
But also, I might need to move my EF to Marcus!! 5.15% Dang!!
Heeey Jessie!!! I’m so obsessed with CDs. And yea, Marcus is definitely worth checking out. Their Referral rate is blowing the 4% on my checking account out the water!
Hi Kim! ❤ So great to see you. It's ok to pause, I am pausing debt too. I really want to save. Saving is more fun. I do pay debt. Probably 75% to savings and 25% to debt. In happy with that for now. Congratulations on 19 years of marriage. I miss you tons. Hope to see you real soon. ❤🤗
Hi Yvonne!! 🤗😍 Thank you my sweet friend! 💕💝 I totally agree with you, it’s way more fun to save. You and I are on the same page. I’m throwing 75% in savings too 🙌🏾
I am so proud of you. You are my inspiration. I saw one of my credit card payments make a difference. My cash available amount increase. Not using it but it felt good to know that I am moving forward. Yeah! 😃
Wahoo!!!🎉🙌🏾🎉 You are definitely making progress, Melanie! That’s so great to hear! I know that feels good too. Thank you so much my dear friend. It means a lot to know that I’m able to inspire you. 🥹💗
Sounds like you did amazingly in June, you should be proud of yourself 💪💪💪
Emergencies happen but once you get the plumbing you will feel amazing and you will not have to worry about the house. Is all about keeping your castle 🏰 my queen 👸 💗💙💗
Amazing milestone 19 years together 💗💙💗
Thank you Cris!!! 😘💕 I should be proud of myself, you’re right. I feel a little stressed about the added expense but I’m sure all will work out. I think it’ll be a slow process for us to address everything that needs attention in this old house. Little by little we’ll get it done. 😅
@@debt2none yes you got it 💪💪💪
Hey Kim, yes I have miss your video just because I love the way you look at things. Its great that you can switch up thing to move the way life moves. I did love the identity theft video, you are a great storyteller. June was our first month cash stuffing and for once we were able to save, for some reason July is a lot tighter, not sure why but still figuring things out. Any who. Great video as always.❤
Hi Gina!!! 🤗 Thank you sooooo much!! You are the sweetest💗 How cool that you started cash stuffing. It’s a fantastic way to budget. That’s great that y’all were able to save money in June! 🙌🏾 July will be tight for us too. I really need to try to cut all extra spending for the month. 🤦🏾♀️
Morning Kim!!! Listening as I drive to work!!! Great job staying true to yourself and your needs!!
Hey Melissa!! Thank you sweet lady. I hope you have a great day😘
I love your ability to switch gears. You and your budget should always?4 adaptable 🙌🏼
Look at you playing with that prop cash again! Love to see it, but I really love that you are still earning that interest.
Thank you Katie! It’s funny how much I just stare at all this prop cash. I keep telling myself that one day I’ll have the entire sum of it in my savings account, racking up the interest. I can’t wait!!!
This is so relatable!! I feel like I need to save more but I’m not be able to throw more money at debt and investing.
Rack up the interest, girl!!
Thank you!! 💝 I completely understand where you’re coming from. I was in such a hurry to pay off my debt so I couldn’t save consistently. But if you’re paying debts& investing that’s huge! 🙌🏾 I’m not in the investing game yet.
Yes, I am also a digital budgeted but still use binders. And have all my savings based envelopes in a high yield account and I love seeing it grow more and more . My sinking funds are in a basic savings account as it’s more revolving.
I love that! It sounds like your savings game is on point. Great job!! 🙌🏾 I agree with you, seeing the balance grow is the best!!
Hey Kim! You are getting so close to paying that debt off. Life always likes to throw wrenches into things right before the finish line right?! 😂 Due to a lot of recent medical expenses, we will be pausing our extra debt payments as well and concentrate on building the EF back up. Great vid as always! ❤
Sounds like you & I are on the same page in our thought process. Oh my word, life’s wrenches keep coming at me!!! Everything has completely turned upside down for us. 😩 I have to do another update video
@@debt2none oh no! I'm sorry y'all are struggling!
Kim I know that's right! You have to be able to adjust your plans accordingly. Love the Piggy bank. I was a cabbage patch kid enthusiasts as a child. 😊🩷💜🩷 19years is amazing 👏🏿 and that CD 🙌🏾.
Hey Wena!🤗 Adjusting is a must, for sure! You were a CPK fan too? Awww! I love that. I am secretly still obsessed with them🤣
Hey Kim! It’s great that you can switch gears so easily! Life stuff can change so much and there’s always something that comes up, it only makes sense to adapt your budget to what will work better for you. 🙂
Kristine!!! Hey girl!!😘 Thank you my friend. Life stuff really does change everything sometimes. So much beyond our control. 😅 At least we can control our budget and our journey 🙌🏾
Kim!! Hey girl hey!! 💕💕💕 you guys got this and you make me feel so much better about making swift changes haha 😂 😂 you are doing awesome!! 🎉
Hey Courtney!!! 💗💝🤗 Thank you so much for saying that. At first, I was a little sad about not being debt free until 2024 but I think this will work out well. You make me feel better about switching things up.
Is the Goldman Sachs a guaranteed 5.15 or only a guaranteed 1% over the current rate? Any interest I earn in my Gringotts 😆 account goes to that category; % earned in my emergency/things I forgot to budget goes to the emergency category; % earned in my sinking funds has been going to my vacation account since I have a trip at the end of the year.
I’m still working on my month ahead goal and the plan is to finish this month. The next goal is to build up some sinking funds that I don’t fund monthly. Then it’s back at debt starting in October.
Nice job!! You’re so organized. Sounds like you have a great plan going. I love that! Yes, only the 1% above is guaranteed for 3 months with each referral.
❤
As soon as you said you applied for a credit card, I instantly thought, "She must have done another balance transfer." 🤣 Do whatever's best for you, Kim. Love that you're adaptable. I love Penny! #propmoneygang 🤞🏾✌🏾👌🏾 👈🏾 Those are my gang signs 🤣 Yes! I love looking at those numbers adding up in my account and seeing that interest. Made $80 this month! 🙌🏾 My goal is to get to $100 this year. Yesss! The CD's coming soon! Oh wow, 19 years is such a great accomplishment! I was just thinking about the identity theft video the other day. I was like, "Where is part two?!!? I need itttttt!!!" Can't wait! 💜💜💜
Yep, you know me. Lol!!! The balance transfer got me again 😆. I couldn’t think of any other way to put the brakes on my high speed debt payoff.
Your gang signs are perfect, I’m practicing them right now so I can throw them up in a video. I’ll holler “PMG for life!!”🤞🏾✌🏾👌🏾👈🏾 Then I’ll throw sign to you. 🤣😂🤣
Yessss!!! Look at you racking up the interest!! 👏🏾😍 I can’t wait to get there. I’m only at $40 right now. But I’m drooling thinking about the interest I’ll be able to earn after September. Oh yea, Part 2 def has to be my next upload.
@@debt2none That’s gonna be some shmexy interest in September 💜 Yessss! Do the gang signs! 🤣🤣🤣
Quick question..do you have family or friends watching your videos..
Did you ever wonder about judgement from them before starting this channel.
I ask because I want to use this platform for accountability & start a channel.
Some of my friends do watch my videos. I’ve gotten some good feedback from them. Initially, I was afraid to put my face out there because I was embarrassed by my income. But I got over that. As far as being judged by people I know, I really don’t care. I have to do what’s best for me. And this channel has helped me to get my finances in order. So I’m grateful. ☺️