I have a few more you could add 1. Meal plan and stick to it 2. Write out a shopping list and don’t buy nothing more and stick to a no waste plan. Use every ingredient and waste nothing 3. DIY Beauty. No more nail salons or hairdressers. Many UA-cam videos on how to cut, glue your own nails and hair colouring 4. A plain notebook will do for budgeting, no fancy ones 5. Free activities..Library, park, museums, hiking trials 6. No gym membership. Stick with UA-cam videos as they are just as good 7. Take your lunch to work, don’t buy 8. Make double meals for leftovers to freeze. Save time and money cooking for later days That’s all I have for now Loving your videos 🧚🏾♀️
number 2 has been my biggest one this year. I "shop" online first, write down the prices, and go into the store with that list/ the exact cost of those groceries, and the rule that im getting the EXACT items on the list
Thank you for number 4. I was just about to buy one. Thank you for helping stick to No Spend January. I have lots of regular notebooks lying around. I will use one.
At the beginning of this year I was looking at my goals and asked myself “when am I going to diminish this debt”? I owed about $15,000 to my son” and now I owe him $500. I stuck to my plan and now I’m very happy.
Paying at least twice a month, helps with your credit score. Also, when paying on a car loan or mortgage, make sure anything extra goes on the principal. Otherwise, it will go towards the interest. Which is throwing money away. Did you ever get a crockpot, or instant pot? I learned that if you double recipes too, you can put half of it into a freezer bag/container and save it for later. Just pull out the night before or first thing in the morning. I'm working a debt for a credit card, and I'm using a savings challenge to pay it off.
I am definitely using a lot of these tips. working on breaking bad habits but it has changed how I look at money. Money should be an asset and not a headache.
Whenever I see videos speaking about money. I always wish people knew what I knew about money and how it’s not so difficult to hit your financial target if you know the right steps to take. Honestly, I see Not making upto a million before retirement as an unfulfilled retirement. I’m 54 and my wife is 50 . We are both retired with over $3million in net worth and no debts. Currently living smart and frugal with our money. No longer putting blames on the FED for our misfortunes. Saving and investing lifestyle in the stock market made it possible for us this early. Even till now, we earn weekly.
I feel one Of the greatest challenges that we first timers face in the ma rket is that we end up losing all we have,making it difficult to find ourselves back to our feet. My biggest advice is to always seek the services of a professional just like I did when I ventured into it for the first time. Big thanks to Larysa Caba. I now make huge profits by weekly through her services while still learning to stand on my own.
I think she trades for everyone I meet. I met her twice at a meeting in Germany and after her lectures from Ella I had to personally ask her to be my financial advisor. she is definitely good.
Ms. Nicolee I want to pray for you. My Prayer is that this year 2024 brings prosperity and generosity and your financial life I see God helping you pay off at least $12,000 in some form towards your debt. I know it seems dark right now but there is light at the end of this tunnel that's coming very shortly keep your faith keep believing keep seeking keep asking God will reveal to you in a very short time you will find yourself in a much better place very soon there is light at the end of this tunnel may you receive all the blessings as intended for you this year Nicole in 🎉 yeshua's name amen
Here supporting you girl!!❤ Absolutely amazing list of tips and ideas!! There is NOTHING we can buy that will make us feel as good as being debt-free!!💞🥰
I just discovered your channel and I like it. I paid off, 20K in credit card debts last year and 6k in Medical bills. I have 6 k which was a business loan with I plan to pay before this summer. My philosophy is, as long I have credit card debts I cannot go on vacation and since I plan to go on vacation this summer I have no choice to pay all my credits card debts before this summer. No ifs and buts.
In January I'm going to pay my car repair loan and in February I'm going to snowball the $154.44 into my next debt. I already decided on the snowball method. I'm thinking of doing one debt confessions at a time instead of 1 overall video.
Paying your mortgage in 2 half payments may not cut down on interest. You'll need to check with your lender, some of them will just hold on to the money until the full payment is in and _then_ apply the payment, which won't help in paying less interest.
Thank you so much bestie because I could really use your support. I feel so alone but I see the light at the end of the tunnel, and it keeps me going. February 2024 I would be done with my chapter 14 bankruptcy. I've finally made it to the end of my 4-year journey.
Hey sis! Girl I wish you could look at my budget 😂but my biggest debt is student loan. Im working on a couple little ones now. But I sell on Poshmark, FB marketplace. I'm trying to find more things to do The saving challenge drf help me. Great tips👍🏾
Love all the ways you listed to pay off debt. I actually did my last balance transfer today (well on 12/29) 0% for 21 months. I do have a few areas that I need to work on, but I'm working on them so that I can be debt free. 😊
Love watching your videos! Makes getting out of debt and building up savings - even with a limited budget- a possibility. We need more positives in our lives these days.
I buy what I need not what I want. January is a very hard Month. You used your credit card, spending all kinds of things, you forget that it's a loan and you have to pay back. Then the bill comes in and you are mortified. I have everything that I need so I don't intend to buy anything. I love watching Budget Channels. Know "when" the bills are due so you can pre prepare. I live in Canada so alot of my Bills are debited but I know when they are due. I am doing Overtime on January 2 but I will be paid time and a half which I can use big time.
I definitely need an accountability buddy. My friends think taking out cash, cash envelopes, savings challenges etc are ridiculous so I’m doing my best on my own. I’m grateful for this community so I don’t feel so alone. Loved this video❤
Hey there... I just love your support and showing how to be debt free. I am looking for an accountablity Sister. Like you my friends and family are like later. can't right now.Prayers for a WONDERFUL New Year. Debt Free Here I COME..
Thank you for sharing. In one of my hacks, I make the minimum payment. However, I made a second payment of the interested amount or more throughout the year. Happy holidays. Good luck
I watch you and I get so pumped! I’m doing this! I only have about $ 21:35 9000.00 in debt but I am on a mission! My husband and I already started a “NO SPEND JANUARY”. It’s going to be hard to break some habits but I am doing it! Thank you for being you!
The Budget Community is AMAZING!!! I ♥️♥️ being apart of the budget community. So supportive and fun to be apart of. Thank you Jazmine!! Happy 2024 to you “Budget Bestie”☺️
Help me with the paying half to cut the interest…I’m not following…I’m sorry if I sound dumb, I am actually smart tho 😂😂😂…I need things spelled out lol
I have 11 credit cards. I was able to close 5 of them and have my interest lowered pus lower my monthly payments. the money I save I put toward the other cards.
Great presentation with lots of knowledge. It is great to see a sister utilizing time to demonstrate thrift towards finances. Blessings, respect, and manners. Currently subscribed and eager to learn more innovative ways towards financial freedom.🙌🏿
So happy to have found this video! I’m on a debt free journey as well. I’ve paid off 20% so far and I love the motivation to knock that last 80% out in the next 6 months! When you said, “The time is going to pass anyway, so we might as well take care of the issue of debt.” Chile, that was meant for me! Let’s gooooo🎉
I was watching you talk about the "change your habits" part and nodding my head all the way through your talking. It completely works to change habits. And I, as well, must stay away from the stores unless I have already budgeted for something that we specifically need. We have replaced that habit with going to the gym that is free at our complex; duh, right? And we are excited about paying off our debt. It will happen for us all. Have faith. Thank you!
new subbie here! i have been binge watching your channel for the last week and i love your content! i am so inspired to use your tips to turn my finances around. thank you so much for sharing your strategies and being so relatable. i could definitely use an accountability partner, so i'm glad i found this community. have you ever considered creating a FB group or something like that for your tribe to connect and check in with each other on our progress? just a thought! ❤everybody have a safe and wonderful new year celebration!! 🎉 let's go get it in 2024!!!!
I'm not mad at you for telling me not to eat out. The last ten times I went out to eat the food was not that great and way overpriced. A few times the portions were so small that I was still hungry after spend $50 plus. Not worth it at all. I've just put more effort into my coming and the food at home has been so much better than dining out! ❤
Bestie, I feel like I know you and I am so very proud of you. From your prayers to your encouragement of so many that need help to your wisdom in choices and recommendations a great and practical strategies . . . just keep going! I am sitting down tonight and beginning my pre-planning. I will be following, watching and JUST DOING IT! Thank you so very much!
I have a few more you could add
1. Meal plan and stick to it
2. Write out a shopping list and don’t buy nothing more and stick to a no waste plan. Use every ingredient and waste nothing
3. DIY Beauty. No more nail salons or hairdressers. Many UA-cam videos on how to cut, glue your own nails and hair colouring
4. A plain notebook will do for budgeting, no fancy ones
5. Free activities..Library, park, museums, hiking trials
6. No gym membership. Stick with UA-cam videos as they are just as good
7. Take your lunch to work, don’t buy
8. Make double meals for leftovers to freeze. Save time and money cooking for later days
That’s all I have for now
Loving your videos 🧚🏾♀️
number 2 has been my biggest one this year. I "shop" online first, write down the prices, and go into the store with that list/ the exact cost of those groceries, and the rule that im getting the EXACT items on the list
Thank you for number 4. I was just about to buy one. Thank you for helping stick to No Spend January. I have lots of regular notebooks lying around. I will use one.
At the beginning of this year I was looking at my goals and asked myself “when am I going to diminish this debt”? I owed about $15,000 to my son” and now I owe him $500. I stuck to my plan and now I’m very happy.
Amazing job 🥳
Paying at least twice a month, helps with your credit score.
Also, when paying on a car loan or mortgage, make sure anything extra goes on the principal. Otherwise, it will go towards the interest. Which is throwing money away.
Did you ever get a crockpot, or instant pot? I learned that if you double recipes too, you can put half of it into a freezer bag/container and save it for later. Just pull out the night before or first thing in the morning.
I'm working a debt for a credit card, and I'm using a savings challenge to pay it off.
I am definitely using a lot of these tips. working on breaking bad habits but it has changed how I look at money. Money should be an asset and not a headache.
You are right Bestie! Money should not be a headache
Whenever I see videos speaking about money. I always wish people knew what I knew about money and how it’s not so difficult to hit your financial target if you know the right steps to take. Honestly, I see Not making upto a million before retirement as an unfulfilled retirement. I’m 54 and my wife is 50 . We are both retired with over $3million in net worth and no debts. Currently living smart and frugal with our money. No longer putting blames on the FED for our misfortunes. Saving and investing lifestyle in the stock market made it possible for us this early. Even till now, we earn weekly.
I must also give c re dit to Larysa Caba. She made all this possible through the great decisions she made with my p ort fo lio.
I feel one Of the greatest challenges that we first timers face in the ma rket is that we end up losing all we have,making it difficult to find ourselves back to our feet. My biggest advice is to always seek the services of a professional just like I did when I ventured into it for the first time. Big thanks to Larysa Caba. I now make huge profits by weekly through her services while still learning to stand on my own.
I think she trades for everyone I meet. I met her twice at a meeting in Germany and after her lectures from Ella I had to personally ask her to be my financial advisor. she is definitely good.
I just looked up her name online. she is licensed with credible certificates and has an amazing track record. Thank you for the message.
Ppppppppppppppppppppppppppppppppppppppppppppppppppppp
I’m so in desperate need to get out of debt it is very overwhelming and depressing. I have started my journey over again thanks for your videos ❤
You got this! You are welcome.
Ms. Nicolee I want to pray for you. My Prayer is that this year 2024 brings prosperity and generosity and your financial life I see God helping you pay off at least $12,000 in some form towards your debt. I know it seems dark right now but there is light at the end of this tunnel that's coming very shortly keep your faith keep believing keep seeking keep asking God will reveal to you in a very short time you will find yourself in a much better place very soon there is light at the end of this tunnel may you receive all the blessings as intended for you this year Nicole in
🎉
yeshua's name amen
Here supporting you girl!!❤ Absolutely amazing list of tips and ideas!! There is NOTHING we can buy that will make us feel as good as being debt-free!!💞🥰
Thank you!! There is nothing!!
I just discovered your channel and I like it. I paid off, 20K in credit card debts last year and 6k in Medical bills. I have 6 k which was a business loan with I plan to pay before this summer. My philosophy is, as long I have credit card debts I cannot go on vacation and since I plan to go on vacation this summer I have no choice to pay all my credits card debts before this summer. No ifs and buts.
Agreed! I want a vacation so bad😩 But I refuse to finance it. It will be more rewarding to pay cash and come back feeling light, airy and debt free!
In January I'm going to pay my car repair loan and in February I'm going to snowball the $154.44 into my next debt. I already decided on the snowball method. I'm thinking of doing one debt confessions at a time instead of 1 overall video.
I love that! The snowball method gives good motivation!
Paying your mortgage in 2 half payments may not cut down on interest. You'll need to check with your lender, some of them will just hold on to the money until the full payment is in and _then_ apply the payment, which won't help in paying less interest.
Thank you so much bestie because I could really use your support. I feel so alone but I see the light at the end of the tunnel, and it keeps me going. February 2024 I would be done with my chapter 14 bankruptcy. I've finally made it to the end of my 4-year journey.
Love this Jazmine! Your channel is exploding because you say hard things with love and enthusiasm ❤😊 I WILL be debt free at the end of 2024.
Hey sis! Girl I wish you could look at my budget 😂but my biggest debt is student loan. Im working on a couple little ones now. But I sell on Poshmark, FB marketplace. I'm trying to find more things to do The saving challenge drf help me. Great tips👍🏾
You got this!! Sometimes it is slow and go...
Great tips!! We can do this!! You inspire me with every video and give me helpful information with each one. 💜
I am glad!
Love all the ways you listed to pay off debt. I actually did my last balance transfer today (well on 12/29) 0% for 21 months. I do have a few areas that I need to work on, but I'm working on them so that I can be debt free. 😊
Who did you do your balance transfer with? 0% for 21 months is awesome!
Love watching your videos! Makes getting out of debt and building up savings - even with a limited budget- a possibility. We need more positives in our lives these days.
It is for sure doable! Positive vibes throughout 2024!!!
Love seeing your face so much more in your latest videos, you’re so gorgeous!! Also love your practical tips and relatability
Awee. Thank you 🙏🏽☺️
I buy what I need not what I want. January is a very hard Month. You used your credit card, spending all kinds of things, you forget that it's a loan and you have to pay back. Then the bill comes in and you are mortified. I have everything that I need so I don't intend to buy anything. I love watching Budget Channels. Know "when" the bills are due so you can pre prepare. I live in Canada so alot of my Bills are debited but I know when they are due. I am doing Overtime on January 2 but I will be paid time and a half which I can use big time.
Love your video and thanks for having a weekly prayer session in Monday! Look forward to it. May God bless you 100 Fold! ❤
You're welcome!
I definitely need an accountability buddy. My friends think taking out cash, cash envelopes, savings challenges etc are ridiculous so I’m doing my best on my own. I’m grateful for this community so I don’t feel so alone. Loved this video❤
You gotta do what you gotta do for you!
@@watchmethriving Exactly! That’s the goal heading into 2024.
Think about you right now and keep it quiet. You'll find someone. Maybe there are groups you can join
@@ariaryayy7314 Thank you. I will do that!
Putting debt in the rearview mirror in 2024!
We're using Velocity Banking... and should be done by July 2024...
What's Velocity Banking?
Great tips, very realistic and helpful. Thank you‼️
You're welcome 🤗
I needed to hear this thank you so much can't wait to see what this next year has to bring for us
Thank you for always motivating me to become debt free. I’m tired of having debt. I can and Will get rid of it..thank you bestie
Hey there... I just love your support and showing how to be debt free. I am looking for an accountablity Sister. Like you my friends and family are like later. can't right now.Prayers for a WONDERFUL New Year. Debt Free Here I COME..
I gotcha! Debt Free!!! Here we come!
Please give me some tips. ❤❤❤
Thank you for sharing. In one of my hacks, I make the minimum payment. However, I made a second payment of the interested amount or more throughout the year. Happy holidays. Good luck
I watch you and I get so pumped! I’m doing this! I only have about $ 21:35 9000.00 in debt but I am on a mission! My husband and I already started a “NO SPEND JANUARY”. It’s going to be hard to break some habits but I am doing it! Thank you for being you!
🔥🔥I am getting all my items ready!! Come Tuesday it’s own. Thank you Jasmine. I hope your daughters car is doing better 😊
Thank you! Yes, it is doing better...Let's GO!!
The Budget Community is AMAZING!!! I ♥️♥️ being apart of the budget community. So supportive and fun to be apart of. Thank you Jazmine!! Happy 2024 to you “Budget Bestie”☺️
Does the bill tracker come separate from the printable planner. I just brought the tbm paycheck workbook printable but I don’t see that bill tracker 😢
I was thinking about to get the the budget notebook. I really put it for me to have it for myself. Is ok with you
Help me with the paying half to cut the interest…I’m not following…I’m sorry if I sound dumb, I am actually smart tho 😂😂😂…I need things spelled out lol
I have 45000 in credit card debt to pay off. Lots of appliances, our electric needed to be fixed!
I have 11 credit cards. I was able to close 5 of them and have my interest lowered pus lower my monthly payments. the money I save I put toward the other cards.
Great presentation with lots of knowledge. It is great to see a sister utilizing time to demonstrate thrift towards finances. Blessings, respect, and manners. Currently subscribed and eager to learn more innovative ways towards financial freedom.🙌🏿
Does that mean I can't go by McDonalds once a month for a happy meal On my way to pay on a bill and pic up a few things at groceries?
Thank you for helping me stay focused and for motivating me!
Great job, Bestie! You are so well spoken and inspiring!❤
I LOVE number 15! JUST DO IT!!!❤❤❤
I’m going to start my debt reduction in January! I’m so excited and I learned a lot from this video. I can’t wait to watch more. Thank you.
I am glad that you were able to pick up a few ideas 🙂
I need to hear it 😢 I really be abusing my credit card
I am currently in the process of seeking a second job just to pay off these debts! I am so over the feeling of being in chains.
Great motivation list. Everyone should be able to do at least one of them even if they don't want to. 🙂 Thanks for another video.
Such a useful video, especially for 2024!!! ❤
So happy to have found this video! I’m on a debt free journey as well. I’ve paid off 20% so far and I love the motivation to knock that last 80% out in the next 6 months! When you said, “The time is going to pass anyway, so we might as well take care of the issue of debt.” Chile, that was meant for me! Let’s gooooo🎉
Love it!! Thank you so much for being here! Your comment keeps me going!! Excited about the journey! You got this!
ok from now on we partners.. lol #accountibility
I am really serious about paying off my debt.
I am tored of living pay check to pay check
I feel you!!
Great tips. I learn so much from you😊 Nothing feels as good as being debt free ❤
Thank you for being here!
@@BudgetTreasures You’re very welcome. Happy New Year❤️🎉
Loved #15! Everyone needs to hear that. Happy New Year 🎊🎆 🎉
Thank you!!
Like your channel
Perfect timing! You are very relatable and I'd love to have you as a accountability partner. God bless
You got this! I am here! You got this!!
I agree long windy,no help
I was watching you talk about the "change your habits" part and nodding my head all the way through your talking. It completely works to change habits. And I, as well, must stay away from the stores unless I have already budgeted for something that we specifically need. We have replaced that habit with going to the gym that is free at our complex; duh, right? And we are excited about paying off our debt. It will happen for us all. Have faith. Thank you!
new subbie here! i have been binge watching your channel for the last week and i love your content! i am so inspired to use your tips to turn my finances around. thank you so much for sharing your strategies and being so relatable. i could definitely use an accountability partner, so i'm glad i found this community. have you ever considered creating a FB group or something like that for your tribe to connect and check in with each other on our progress? just a thought! ❤everybody have a safe and wonderful new year celebration!! 🎉 let's go get it in 2024!!!!
Yep, the Holy Spirit was right. I needed to hear #10. Thank you 🙏🏾
I'm not mad at you for telling me not to eat out. The last ten times I went out to eat the food was not that great and way overpriced. A few times the portions were so small that I was still hungry after spend $50 plus. Not worth it at all.
I've just put more effort into my coming and the food at home has been so much better than dining out! ❤
Bestie, I feel like I know you and I am so very proud of you. From your prayers to your encouragement of so many that need help to your wisdom in choices and recommendations a great and practical strategies . . . just keep going! I am sitting down tonight and beginning my pre-planning. I will be following, watching and JUST DOING IT! Thank you so very much!
Thank you for your great videos. Excited to follow you and clear some of this dept with you in 2024
For FB marketplace, our local PD department has a designated selling spot
You are an inspiration. I want to tackle my debt in this new year. Thank you so much. God bless and Happy New Year.
Thank you for the information ❤glad to hear I am doing this paying off debt right…happy new year
You are so motivational. Can you do a Live so ppl can comment and get advice or assistance from you?
I used to pay the credit card then transfer the funds back to my main account 😂It happens
Thanks for the helpful tips and I love your earrings 😍
I'm new to this journey and kinda scared I won't be able to do it.
Thank you so much!!! This was very helpful👍🏽👍🏽👍🏽👍🏽
Come on cash envelopes though. When u can use regular envelopes
We used to round our mortgage up to one hundred dollars every month.
I love this channel
❤️❤️ Thank you 🙏🏽
You looking gorgeous ❤ Love from India
I am new to your channel. New subscriber here. ❤
Awesome video! Side hustle gigs please 💕
Thank you sooooooo much for these tips bestie
I’m gonna need those prayers 😭 ❤
Time is going to pass anyways 💯💯
Yes, very nice ❤. Happy new year.
Motivated for sure!!! 🎉
Awesome video ❤️
Great content 🎉🎉🎉
Great video ❤
Great advise. 💞
Love it❤
Congrats on 40K! 🎉
Thank you Bestie!!!!! We did it before 2024!!!
😐
Can’t wait for to pray over my finances cause only God can fix this!
Love the video
Thank you!
Great video
🤍🤍🤍