12 MONEY HABITS THAT WILL CHANGE YOUR LIFE IN 2023
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- Опубліковано 19 чер 2024
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I'm a flight attendant. Our plane had to be towed to a new gate this morning before we were able to get onboard. I knew it would take ages. I sat down with my $2 thrift shop book to wait. Every single one of the other crew members ran off to spend money on overpriced food, drinks, lotions etc. Not frugal little me! I don't mind being different!
good girl
"Amazon has become a line item in my budget"...😂. I phrase it differently. I say, "I'm claiming Jeff Besos as a dependent on my tax return this year." 😆
I actually love budgeting. I do mine on an excel spreadsheet. As you recommended I automate bill paying and I also automate my base savings each month. While most fixed expenses don't allow flexibility the non-fixed do. So I make a game of how little can I spend in the flexible areas. The less I spend the more I can save towards a goal. Another thing I do is participate in budget helper programs when available to reduce those budget speed bumps. Once a year I pick one item as my budget fixer and I research to find ways to reduce the cost of that line item as much as possible. I then sit down once a week and go through my budget to make sure I'm on track.
I like that you put the budget in terms of it allowing spending in a category instead of restricting it. It feels way better to say, “I get to spend this much,” even if it amounts to spending less than before.
I read constantly in Facebook groups that people have no money and no power to change it. It makes me insane. More money isn't just going to fall into your lap you have to do something about it. You have to work for it. So many say they don't have time or can't do this or that, that's because you aren't making it a priority. Sukc it up, stop blaming your circumstances and go for it. You hold the power to change your life. No one else doe. S
My mom worked at her job for 34 years and was able to retire at 54 because every time she got a raise in pay, she acted like she didn’t. She saved that extra money and has been able to live debt free all of her life. A couple other factors contributed to it too, like purchasing bonds directly from her pay that matured in 7 years as opposed to nowadays. But those bonds are what sent me to college and allowed me to live debt free too. These tips are great because they really are doable. You need to be disciplined but it gives us so much more freedom.
We put my husbands pay rise into the mortgage as it’s extra paid to the mortgage it’s also helps pay that forever increasing interest rates (here in Australia it’s rising every month), BUT if we need it we can just take it straight back out. Paying of the house atm is a priority and we can also save by putting the extra into it.
I put mine in my 401k each year. I'm retiring at 59 1/2.
Jodi thanks for this. It really inspired me especially about the retirement part. Thank you again, have a great wk end.
@@mirthfulllaugh you do the same. It seems hard at first but when put into perspective, it makes so much sense! Best of luck to you ❤️
@@jessann5581 I don’t know about Australia and rising mortgage interest rates, unless you have an interest only mortgage, but here in the US, if you make one extra mortgage payment a year, it reduces a 30 year mortgage to 21 years. I was a real estate paralegal before I had my kids so I keep practicing what’s most beneficial to our finances in the long run. I think making extra mortgage payments is a great investment for yourself and your home!
A lot of years ago I received a $600 utility bill. It was incorrect but it took awhile to prove it. It turned out that the bill should have been $39 and change. If I had my bills automated I would have bounced a lot of checks and incurred fees for doing so. That's the reason I don't automate. I've heard several people say that they've received bills that were high for various things and they turned out to be incorrect. My temptation is one of 2 candy bars. It's rare that I buy either of them. I'm driving a 16 year old Japanese car and I plan to drive it a lot longer.
These two texts that look like they are from Christine are scammers.
@@Isabella66Gracen thank you. I can tell they're not from her.
Only 16 years old? Lol. My car will turn 24 next month when the new year cars roll out.
We used to go out to restaurants once a week ( pre covid) however due to lockdowns where we were only allowed to go out into nature ....we started hiking and going for picnics we don't miss it at all and tucked away $60.00 a week since 2020.
I’ve been selling things around my house I no longer use or need, I’ve got lots of kitchen gadgets 😂, I’ve just bought an instant pot, used it twice so far, love it! So I can now sell my rice cooker that does a few things my instant pot does, I don’t need it anymore.
I’ve got left over items from when I used to sell on eBay so have been selling those.
I’m an artist so trying to sell my paintings, I think that’s the hardest one of all 😂
I’ve got 5 garden beds so far, am in the process of building another one, I’m going to be canning things also, my idea is to do it just for myself but if I had an excess of something then I could sell what I make.
Heaps of ideas to make money.
Cash is king! Once cash is gone for groceries, gas, and stock up on sale items, then no more shopping til next payday. I get cash from bank every 2 weeks. Been doing it before Covid
Also I did/use Dave Ramsey total money makeover pre Covid.
I'm retired now but when I worked for every raise I put at least half of the raise into my retirement fund. I put the money where I couldn't touch it easily.
As someone who is nearing 62, I wish I had been smarter with my money in my 20s, 30s, and 40s. I was good with my money but I wasn't as great as I could have been. Your spending/income illustration was spot on!
Same here. Every young working person I see now, I say save for your retirement. Every single penny. Pay now or pay later.
I got sucked into a lifestyle creep for 2021 I got a temp job that I made approx 40,000 more than my normal and once that temp ended it was really rough to go back
Whoever said money can't buy happiness has never seen the face of their loved one watching the best concert/show of their lives. Worth every penny!
I absolutely love being frugal ❤❤❤I see where my money is going and money that I am saving ❤❤❤
Yes! Yes! Yes! I got over my dislike for a budget about 15 years ago. My husband and I had a pretty tight budget at that time. I went Christmas shopping with 2 friends. I knew exactly how much money I had available to spend and what gifts I had left to buy. My friends had no clue what they wanted to buy or how much they would spend. They joked that their husbands would be angry when they got home because of how much money they'd spent. It was in that moment I realized how much freedom and peace I had with my budget. I could completely enjoy our outing without the stress of a future fight looming on the horizon. Budget = freedom & peace!!!
OH! And I LOVE your shirt!! I also like big books. Now I'm gonna be humming that tune all day! lol!
Funny about the “what you drive” topic. I purchased(paid in full) a new to me a 2018 white Toyota Highlander 2 years ago. In the last 90 days both of my neighbors purchased a White SUV (Honda CRV & GMC Acadia) They both asked what financing I got in mine as they were looking to refinance and I said Cash.
I do a reverse budget. As long as I am saving enough to meet goals in my 401k and other savings accounts then I don’t worry about what I’m spending.
Number 9 … I have a problem with sugary cereal so I don’t buy it, tried low/no sugar kinds and just ate more so 2023 is the no more cereal year. Wish me luck!
Many things on Amazon are not frivolous. It is also nice not to spend gas and time going to look for something.
Helix mattress was the best purchase we've EVER made!! I'd buy one for my guest room but I don't want my guest to stay too long. Purchased on your recommendation
Let that Helix mattress sit and simmer in the cart- It's definitely an impulse buy brought on by the ad you just listened to as you're trying to save money and be more conscientious with your spending. UGGGHHHH!
I love mobile pick up. I can see what my grocery total is and then I can put items back. I love creating my shopping in my pantry so I don't order items I don't need.
Great tips! I especially like the ones about side hustles.
I love your “Big Books” tee, makes me laugh every time you wear it in a vid.
You are so close to 500,000 subscribers! You go girl.
Thank you for sharing this information. Very helpful
We were gifted 2 helix twin xl mattresses cuz where we live they told the people we got them from they can't come and get them! They are AMAZING!!
Love when you do these videos... simple things but stuff we don't think about. Really helpful!!
Budget=freedom!!! I never believed that until I created one several years ago. In my humble opinion, if you think it restricts you then you are way overspending to begin with. I actually do more now with a budget b/c I know where my money is going and can still go on vacations, gifts, charity etc. Anyway, thank you FFM for passing along all the good info and pointing folks toward budgets:):)
That Costco tip is so true. I'm constantly shocked how full some of those carts are! I rarely spend more than $100 when I shop there.
Thank you. Helpful and encouraging...as usual.
Stopping by to say hi because leaf like on a tree wants us to spread the love in February. I already LOVE you and your channel. Happy month. 😘
I pretty much do all of this stuff now, but I LOVE Watching your videos, and I pretty much watch you for inspiration!! Keep up the Good Works!😀❤
I always learn something from your videos. Thank you
Unfortunately our biggest money sink has been medical bills. My husband and I both have chronic illnesses/ disabilities that have been ongoing since shortly after we married. Every year, over a third of our income goes to medical bills. Add in our pets getting cancer and its been especially rough the last 6 years or so. Because the medical tests/scans/visits aren't "regular" they're difficult to budget for. We save what we can to make sure the bill is paid when its due, but that inevitably wipes out the funds. We've cut out everything we could cut as expenditures, and aren't physically able to work additional jobs for more income.
THANK YOU Christine for that pep talk! I'm pretty darn good but I CAN do better!
My household really, really likes flavored drinks. And I struggle with being dehydrated, so I don't force pure water. So instead of buying like bottles of gatorade, I purchase 6 gallon containers of powder. I get a free bag of coffee a week from starbucks as long as I work there, so I've stocked up on those and put in airtight containers and put em in dry, dark cabinets (or freezer) to keep em in good (not perfect, but good) condition for years. You can get tea in sealed containers or individual packets and again with dry dark cabinets you can keep for years. With the exception of Jasmine. That disappears lol. But by keeping all this stocked when I can get it for cheap- airtight containers and cabinets off the floor and out the sun are your best friends- and still enjoy the little things in life like flavored drinks
These money tip videos are my favorite. Thank you.
I love all the tips. Thank you
When I lived in CA, I did dog sitting, babysitting. I also, had a Traveling Tea business, but it died during covid. Will start-up again in April in Austin, Tx.
Thank you, perfect timing on this video for me.
All great tips thank you
All your videos are very good and especially budget todays I loved it your are amazing thank you for opening my eyes all is so true thank you thank you!
Love the side hustles! Last year I made the same in side hustles as I did at my main job. Air BNB, turo, house cleaning, on demand work at target, selling items for people on marketplace etc. Love the variety and not having just one income stream.
Christine and family have a great day have fun thanks from Oklahoma
I love your tips and the enthusiasm in your videos! My husband earns a six figure salary, we budget, live simply, do not buy extravagant items, and have a good grasp on needs vs wants. So where does all of our money go? #1 property taxes! Our property taxes amount monthly is higher than our mortgage. We are not unique in this, many people are living in areas where we pay ridiculous amounts in taxes.
So to answer where do the people who make more money spend their money, well for some of us it’s paying for taxes, and inflation of everything else on top of that.
Lifestyle creep is prob my fave. I really love the “millionaire next door” concept. Live simply and don’t bother trying to keep up with the Joneses. Although I don’t think I’ll ever be giving up cola unless I have to. 😂😂 But still, I’m pretty good with rationing it out (usually one can a day unless it’s a tough day lol) and I don’t mind drinking the cheaper store brand when needed.
Love all your videos! Keep them coming especially the ones where you budget someone else’s money with me
I have heard these tips before but for some reason the way you say things makes me more motivated to do it! Thanks for all the hard work you put into these awesome, motivating videos! 😊
Excellent ideas. The one I am going to start immediately is returning to writing everything down. I did this in the past, and slipped away from it. Being aware of where every $ goes is essential to me. I am retired, live on SS. Past side hussles included sewing craft items, making purses and totes and selling some art work. I’m 75 now, the side hussles became too much, I’ve had to back off.
Good informative video. Thanks.
Not sure Christine’s particular path to financial success. Mine was Dave Ramsey’s book Total Money Makeover. Book on amazon changed my life pre Covid. Gotta stop the vicious cycle of owing companies money.
Great book!
Your videos just make me happy on a Friday night after a crazy day teaching.
Well said & I agree with every point 100%!! Thanks, I really like your videos.
Yeah, thanks for the video.
Sinking funds, only budgeting what you have right now (instead of next month's anticipated income) and keeping a running tally of how much you have left to spend in each budget category as you are spending are helpful too.
Christine, can you do a video all about gift giving on a budget? I struggle with limiting myself on birthdays, and anniversaries, special occasions etc
All your tips are great!
Love all of these tips, especially the avoiding spending creep. That's how my partner and I were able to save up and build our dream house by the beach!
Yes love videos like this. We live below our means, family of 4, 2 adults and 2 teens, my husband is the income earner and I work part time but we still have everything we want and need and this year we will have our mortgage paid off within 8 years. No other debts. We'd rather take a holiday and go camping in between than buy a clutter of stuff that ends up being donated. We buy quality stuff over cheap, cook from scratch, eat out every once in a while and buy and live mindfully, healthy and happily. Oh and any extra income and tax return money was always put on the mortgage and not spent on any other stuff. That was a huge help towards paying off our mortgage quicker.
This video was a great one! I’d totally take a $50/hr cleaning job! I live in a rural area and I am at the top end of cleaning wages at $35/hr. I feel blessed though, because the cost of living is also relatively low.
Thought this was going to be the usual blah blah blah. It wasn't! Thanks for the video I try to live as frugal/minimal as possible but I do have my fun items. I followed a plan and last yr paid off my house. Great video and realistic tips. Have a great wk end.
Love all this! I actually follow a lot of what you’re saying and have been for years. I used to go to Costco several times a month for “an item” I needed but we all know you can’t go to Costco for one item. I started keeping the receipts and adding them up. Each month I’d add up between $400-700!!! I forced myself to limit my Costco trips to once a month and I have reduced my shopping costs so much. Also I make a lot from scratch so that has reduced my grocery spending too. With Amazon, when I see an item I like I put it in my cart and save for later. Right now I have 600 items saved 😆 this gives me a chance to rack up some gift cards through apps like Ibotta and Fetch and also monitor something I really want for When it goes on sale. Unless it’s a real need that I have to order right away, I can wait.
Great info as usual❤️
This just hit home for me. THE STRESS IS UNREAL!!
Hi, I love your videos and am hooked on them! They’ve given me the incentive to live, shop, and cook more frugally. Your budget videos, the older videos with your budget spreadsheet, really helped me! I created an actual budget and work hard to stay on it. Will you be making more of these types of videos?
Yup your right ..I put Amazon items on my wish list and let them sit and yes I do delete ..but some items are cheaper and the convenience..I get my items in 2 days or same day (Houston) yup
Totally made your Chicken pot pie recipe and it was amazing 😊❤❤
Great tips! One of my best tips to not stay too long at a company if you are not being paid competitive wage-wasted so much time at same company without much growth. Another one that helped me was to slowly increase my savings over time or as you pay off debt. 🎉
You are SO close to 500K subscribers! That’s amazing!
I'm not great with numbers, but I do my best. Gas station runs are our families kryptonite... those fountain drinks and snacks add up.
I wish I could pull off a side hustle. But I work full time, coach, and go to school so there's barely time to talk to my husband. I do agree with it though. My way of looking at it is if we can aim to pay off one car, then pile that into the other car, we can have both cars paid off in a year. That's extra money right there. But it will probably all go to my schooling which will eventually land me a job where I will make more money. But the big thing is it is slow. None of this is a fast fix. You won't see immediate results but after a month or two you'll suddenly be like, woah, there's extra money.
Good advice and am happy my mom drilled these concepts into my head when I was young. Budget = The 'best' friend who tells it like it really is in your life!
Love it!
Your mom sounds like a woman of wisdom Katherine.
I've made it a priority to be debt free by end of March 2023. I've been paying c.c. a large chuck every pay period it has gone from 5k to 1.5k. Only will have small mortgage with I've put on my budget to payoff in 3 years or less.
For me, it's chocolate anything chocolate! I need to stay out of candy stores (now that it is no longer a side hustle-had to quit for my health)
Looking at a budget as positive helps stay on track. Needs & wants are now easier to separate.
Hey, Amazon isn't just junk spending. For us in rural places things like a vacuum sealer and bags, food processor, cereal container, bread box, glass butter dish, mini USB cord for calculator (not micro or c!), Dehydrated onions and peppers, seed planting kit and trays, coconut extract, garden gloves, space blankets.... These are just a few of my recent orders that aren't available here and if they are they are much more expensive. I do order once a month after payday, not willy nilly though
We just started the snowball method. We currently have 4 bills that we would really like to have paid off by the end of the year first one is close to being paid off so I can’t wait to start seeing the results really pay off love all the tips.
Wishing you good luck and success
Great video! Thank you
Save save save!
...and hey, buy a helix mattress.
LOL I'm poking fun. I think youre awesome. Thanks for the tips!
You just made something click for me. I used to hate calendars and daily schedules because they restricted me - but they actually free up time. Your comment about your friend loathing budgets helped me see that it’s the same thing!!!
This may sound sad, but one thing that has curbed my spending is the spate of recent mall shootings. Since the shooting in Boise last year, I have been unable to go to that mall. I also avoid Walmarts, etc. When I do shop in a store, I get in and out quickly. I honestly thought “It can’t happen here in Idaho,” until it did.
That is sad. I’m sorry you feel afraid to be there for fear of being shot. That sounds awful. No jk. I’m sorry that it’s hard for you.
I’ve started a list that I can’t shop at Target in odd months* and can’t shop at Amazon in even months.
*Exception if I literally need Kleenex, etc., and can only buy that. No matter what. But I try to keep a supply on-hand so it shouldn’t be an issue.
Oh, that's a fun one! Mine would be just Amazon in general. I'm really working at taming that beast and have been good this year so far.
Loved all your suggestions for making and saving money!! Your videos are one of the best on utube thank you!! Wish I could fine house to clean for 50.00 dollars hr!! Love to clean declutter all of it food for thought thank you🌺
Thank you!
Rogue and Speedy for president!!! Is it bad that I never put anything in my Amazon cart but just in a "list"? Lol my expenses always go up if hubby is shopping with me
Curbside pickup at Target was great for my wallet. Every time I walk through that store, my money magically disappears.
Loving the Vlogs Anne from the Uk 🇬🇧xXx
You are not alone. My 17 yr boy would do many of those things, my 23 yr old would not, he's not like thd others, and my 25 would not know how to seal or mail.
Is there no podcast this week? Love all your videos 💜
Outstanding video!!!!
You've mentioned teaching online college classes many times. I would love more info on that. What kind of classes did you teach and how did you get involved in that?
Good, common sense but we all get sidetracked. Thanks for reminding me and the new ideas!!!
Hey Christine!! I definitely need to hear these tips, I spend way too much money 💵. Always Love ❤Newark Jersey ❤❤
I’m obsessed with Amazon 2 days and it’s at my door step. 💕
I don’t think it’s 2 days anymore more like closer to a week lol
Sometimes depending on what you buy 👍🏻
Get rid of the late fees when you pay the mortgage between 1st.and 15th of the month. Pay bills on 26th of the month. It will be there by 1st
I respect and appreciate you so much’ thank you for all you do! ❤
Christine I have been making your no-knead bread every 2 weeks since 2020. Easy. Delicious.
Years ago, I made sacrifices and snowballed monthly payments to get rid of all debt except mortgage, then started saving. When I got a better job in another city, I was able to put a significant down payment on the next modest home, and kept saving. I pay extra on the mortgage, on track to have the house paid off in a few years. I use "cash back" credit cards for most things, including regular bills, and pay the balance in full each month, so the banks are actually paying ME. Drove the same modest pre-owned car 15+ years, then paid cash for the next one. Got an emergency fund, plus separate funds for known expenses like a new roof, furnace, etc. You'd think I'd feel pretty good about this. But no, I worry about my retirement account getting its butt kicked in the stock market. And just one accident, serious illness, or natural disaster can wipe out all my progress.
😆 I loved this video and I love Christine. I did get a kick out of pitching buying a Helix mattress as a way to save money though. LOL