Take Control Of Your Finances With These Loud Budgeting Tips | aja dang
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- Опубліковано 24 чер 2024
- I'm Aja Dang and join me as I dived into the world of loud budgeting, sharing my personal tips and tricks for financial success. From saying no to unnecessary expenses to building fun into your budget, you'll learn how to achieve your financial goals while still enjoying life. Hit that subscribe button to stay updated on all things loud budgeting!
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Love the themed potluck idea but you gotta do it with people who actually pull their weight and cook or else you’ll spend a lot 🙃 The grocery shopping online tip actually works. I usually end up spending $120+ per in person grocery trip and this recent online order I spent only $60 and even got a few pantry staples!
Yesss to the second place never being as good as the first!! 👏🏻 it feels good to go home+ be in bed early while also saving money 🥲💸
Ooooohhhh yea, the tipping culture is fully out of control. Being asked for a tip at McDonald’s completely floored me.
I've definitely been saying no loudly but it has come with shame and lots of questions from family. It's been tough, but I continue to do it.
I’m sorry you don’t have the support system you need but proud of you for pushing through it!
Same here😢 and guilt tripping. “We’d really like you to come on this trip”- from both my and my husbands parents. We try to explain to them we are not comfortable going into (further) debt to take a trip and keep getting complaints. It’s so frustrating. We got this !! Our consistency and “no”s will pay off
same
Same, recently felt like I was made fun of from my friends when I said no to going out to dinner.
My tip is setting automatic payments close to your paycheck! I was able to switch a payment from the 9th to the 1st. That way, the money leaves my account right away and I don’t risk getting a payment bounce by accidentally using that money elsewhere
That’s a good tip for people with consistent paychecks!
I agree with the tipping. I stop with restaurant. I actually stop eating out lol
good on you for no longer eating out but if you do go to a restaurant, you definitely should tip ❤
AGREED Aja - you’ve BEEN ahead on this loud budgeting trend thankfully!! I feel like the rest of the world is finally desensitizing the word “budget” 😅 i still remember seeing your videos for the first time 2 years ago and finally feeling like i could jump in and do it! I love that you use your iPad because that’s what made me interested at first since I’m a digital planner
Thank you! A tip from my loud budgeting: Cooking with an air fryer is amazing and helps me save a lot. I think an air fryer is worth the purchase because it makes veggies taste good, and there are tons of simple recipes
Oh yes, air fryers are great and save so much time verses an oven
Paycheck budgeting is one of the things that i look forward to do every month tbh, thanks to you Aja for introducing it
Yes! Building fun into the budget! I'm working on this. Sometimes its hard to spend when you're focused on goals but it seems to help make budgeting long-term sustainable.
Never forget to allow yourself to enjoy the money you have
Love this video! Excited for the financial era again! As I become a proper adult, budgeting has become so crucial. After trying many tools, I've found that using a spreadsheet is super helpful! No template I came across worked so I made my own. It's literally just a list of all of my monthly reoccurring expenses and which bank/card they're being charged to. At the bottom, I have a totals for my annual expenses, monthly expenses, monthly expenses before the 15th, and monthly expenses after the 15th. I then subtract the total monthly number from my monthly income and that's "spending money" (I have savings set as a monthly "expense").
Also, adding fun colors makes me want to use it more. Like the borders on my spreadsheet are hot pink haha
I keep your posts in my feed because you motivate me to be financially savvy!
Aja, I missed you here. You look amazing but have this stoic grace that I never noticed in you in your 20s. You are an inspiration and give me hope for my financial future. Can’t wait for more videos from you ❤
I appreciate you, thank you!
6 years in, you still make great personal finance content. This is a great video, each tip could be spun off into its own video as well!
I agree. If all that was done was flip an ipad around for payment...sorry!
Love these tips! My favorite is building a money routine into my weekly schedule. On Sundays, I also use it to review my budget and cash envelopes to ensure I'm on track.
budget routine twin
Welcome back! Love this ❤️❤️❤️
Thank you!
Former waiter for 4 years while i was a single mom barely making rent with 3 now kids are university graduates thriving not in my house, not in my basement, not taking my $$$. I never expected tips but always got more than i imagined why because i went above and beyond. i served with excellence now, business owner, and happy with a newborn, the world doesn't owe youna dame thing. Tired of this give me the generation. Level up, it's your fault. You're not at the top. first time seeing this amazing woman totally agree❤ love you, my kind of Gal❤❤❤❤❤❤❤❤❤❤❤❤❤❤
Yeah, shame on this generation for wanting to be paid a livable wage and having to make up for it through tips 🙄
FINALLY! I hope this beneficial trend catches on. Excellent work, Aja!
Need all the help i can get. You are such an inspiration.
More loud budgeting tips!!! Thank you!
Loved thisss❤
loved the video but also i am loving your new style! you look great ❤
Yay! Thank you!
I save my spare change - the day before I’m paid, I check my balance and transfer the change to the nearest €5 to my online savings account, ie €398.45 so I’ll save 3.45 and so on. Same with loose change, all my coins that I have (and find on dog walks) they all go into a piggy bank and when it’s full, you could have over 200 without even feeling it ☺️ I’m saving for a house so I do have my sinking funds that I work towards so that I don’t deprive myself but that’s where my spare change goes towards is my house deposit - it all adds up ☺️
Loved this video! Thanks for the tips
Really loved all the suggestions on this video Aja!
Love the tips and the black top! Where is it from? 😍
Cant wait for the updated sinking funds video!
We missed these financial videos girl!! 😅
I’m so glad you mentioned how shouldn’t feel bad that you haven’t found a budgeting tool to make this process more enjoyable for your personal experience!! I’m stilllll searching the market for something I will consistently use. Does master plan have a trial?
Great Budgeting tips Aja, I'm an introverted Aquarius ♒️ also 😊
They had tipping at the merch stand at the Taylor Swift concert. I’m sorry, 15% or 18% on a $60/$80 item? Did they design it? Did they sew it? 😅
And the restaurants have gotten wild with tipping. I live in California where the minimum wage is $15 not like $2. I’m not saying I don’t tip but I don’t tip the 18-20% anymore. It shouldn’t be based off the total, because some dishes are expensive but small to bring out. I’d feel better about tipping if I knew that the tips went to the kitchen as well, not just the server. Servers bring the food out and talk to us but it’s the cooks and dishwashers who make the food and plating possible.
Yes. I’m in Chicago. Sat at the bar last week and ordered one cocktail ($18) and one plain salad w/o meat ($16) to go. A 20% tip had the total at $50…for two item, one of which was carry out. I had regrets.
@@bobbih2022 bartenders get $1 tip per drink. What if we tipped $1 per plate lol
I think the biggest perk of grocery shopping online is no impulse shopping. Oh it’s new let’s try this. Oh that’s on sale let’s put that in the cart. Even paying an annual fee for delivery I am way ahead.
100% plus I don’t get stuck in the chip section anymore 😅
I stopped storing alcohol at home. Since I'm don't at bars, I tend to just pick up a bottle of wine before hanging with friends. It's only been a 2024 habit, but I've actually lost weight and saved about $100! Weight loss wasn't apart of the plan, but now I'm realizing how much beer and wine effect my body. Curious to see how my drinking habits change throughout the year and how it affects my finances and health.
Thank you for always sharing your money saving tips. But also… we need more on this Aquarius introvert thing… for all your fellow introverted Aquarian’s ❤
Set up a 6-12 month growth CD and add to it before any discretionary spending.
00:02 Loud budgeting is about being proud of your financial habits and accomplishments.
01:56 Saying no and sticking to your budget is important for financial success
03:36 Use syncing funds and flow charts to make savings fun
05:29 Renting over buying and focusing on quality over quantity
07:20 Avoid unnecessary expenses by reconsidering tipping and donations.
09:23 Saving money on food and shopping
11:12 Unfollow accounts that create pressure to spend and build money routines into your weekly schedule
13:08 Establish a routine for managing your finances
Love the thumbnail for this video😊😂
omg I super agree with the tipping thing! It is getting outta hand
We have been hearing Loud budgeting mostly from Gen-z students in our financial literacy program. Can you do a tutorial on Vlorish and Copilot? Everyone is asking about these.
Buying groceries online does save time and gas. The thing I don’t like about buying groceries online is that I can get bad ones on the fresh fruits or vegetables. I like to choose fresh fruits and vegetables personally so I get the good quality. For tipping, it does got out of control definitely. I only tip when I only dine in restaurants. When it’s take out or on the go, I would not tip.
All your financial videos are great advice. But I think what's missing in the world of finance videos is "How to increase your income". I imagine there is a huge bucket of people who would excel at budgeting and working towards financial goals IF they had the extra funds. If I'm living paycheck to paycheck, how do I have enough funds to tackle my financial goals?I think there should be more videos on how to create a bigger shovel to dig yourself out. Let's say I have two kids and I work two blue collar jobs. How do I exit that and find a more stable 9-5 corporate job that pays more, has benefits, etc. I know every career has a different path but it would be insightful to see a video tackle okay step 1 of getting to that 100k job.
Checkout donations can’t actually use customer donations as a tax write off. I used to think that too. Customers can actually save those receipts and write them off on their own taxes, but nobody ever does.
🔥🔥🔥
Companies can't write off your donation! Keep your receipts if you donate at the register and write them off yourself!
👏👏👏
I absolutely do not agree with rent vs own when it comes to clothes. Most people don't wear their clothes just one time. Even if they have something set aside for special occasions like a wedding, most people can reuse this item for multiple weddings or events and/or trade clothes with others or buy pre-owned. I cannot imagine how stressful it would be to try and enjoy a special event with a rented dress you have to be paranoid about getting food or a drink on. Sounds like a solid way to ruine a rare experience.
💛💛💛💛💛
take a shot every time she mentions she's an aquarius
Donations at the register do not give any tax incentive to the store. It's a myth that it's a tax write off. You can track your donations at a register and deduct it from your own taxes.
But that doesn't mean you should be obligated! 💙
I only tip servers and bartenders.
If you can afford to rent expensive clothes online, you can afford to tip the minimum waged service worker that probably has to work 3 jobs in order to get enough hours to pay their rent 🤷🏻♀️ Agree on the point of not ordering food or coffee out if you don’t feel that they deserve those tips
She very clearly stated WHERE A SERVICE IS NOT PROVIDED. Smh people love to bitch and moan about nothing
@@SwanBelmont they get really triggered when they hear "no tipping" and apparently anything else said afterwards just won't get through.
@@SwanBelmontI swear some people just don’t listen…
I feel like the anger is directed towards the wrong person here. It should not be the customer responsibility to make sure the workers get enough money to live, but it SHOULD be the employer's responsibility to pay his staff the minimum wage
@amelienguyen sure, but why do consumers like yourself try so hard to remove themselves from the equation? I'm so confused. Your money shows the company that they don't have to do a single thing to change their pay structure when you know the truth but do nothing about it. It's all connected and as long as you don't care because it doesn't affect you, nothing will change.
Taxes are the problem
I agree with lots of your points, but you lost me on the not tipping. I know tipping culture is out of control in the US, and it doesn’t make logical sense to tip when it’s self-serve. But it’s not the company you’re punishing by not tipping, it’s the low-wage workers. As a higher income earner, I feel social responsibility to be generous to low-wage workers as much as I can. I’m of the mindset that if you can’t or don’t want to tip, don’t go to that establishment at all.
I think she clarified that it's only when there is no actual service rendered where you should tip. She uses tipping staff at a self serve fro-yo place as an example.
I agree with you, I got a bit annoyed when I had KBBQ with my friend and our server was so sweet and attentive. At the end my friend said “ I didn’t tip her, I honestly don’t think I need to be tipping servers moving forward..tipping isn’t required in Japan so why should I tip ?- girl what? You’re just looking for reasons to not tip. Made me question my friendship with her lol 😂…self serve tho? I wouldn’t tip.
I think that by people tipping they're enabling the situation.
@@whfh178that’s not how it works
I think it’s worth noting, though, that wage theft via businesses keeping customers’ “tips” is extremely common. I know most people won’t want to do this, in which case I would err on the side of tipping, but you can ask staff whether electronic tips actually go to them.
This one might be taboo but I'm a big fan of wear it then return it, that way it's a whole new outfit for $free.99! And let's be honest, it probably wasn't worth the price with the quality level of clothing these days anyway. I agree with you on tipping, if I self-served I will not be tipping! But if someone served me I do make sure to tip well cause we also aren't here for sub-livable wages. Shame on companies and our government for that one. Also, yea no I never round up or donate at check out. They're gonna donate a certain amount anyway and pocket whatever they get from you as a tax write off! Yuck!
R u serious about wearing and returning?
@@miajoyce11 100%
lol you so smart how did u figure this out?
companies already plan on some amount it returns like they plan on some percentage of straight up theft - and honestly I’m not sure your behavior is not theft since What makes this not ok is that you KNOW in advance you’d return. Ewww!
If everyone takes your example and takes advantage of return privileges to give back clothes soaked in sweat or opened up makeup etc they’d have to mark up prices!
Have I returned stuff when I lived in countries where that was possible? Yeah. But I think about the likelihood that this stuff will have to be sent to landfill after my return! I’d never buy stuff planning to use and return? No! To do that, and repeatedly, no this is not right in my view and I would not do it. If I can’t afford something I save up. How is this not clear?
That clothes are low quality now and should not cost what they do isn’t a valid excuse. You can just not wear these things. Shop vintage or whatever it takes. Excuses don’t make sense
If you were homeless and stealing clothes to keep warm I’d have more sympathy for this. But to knowingly buy things use them soil them and return? You’re not a superhero just a petty thief
That’s so gross!!!
This is why I've never EVER immediately worn store bought clothes. Launder them first. @stefflores blessings for providing proof for this long held anxiety of mine.
6:57 “Don’t go to the second location” had me so confused… that was the takeaway message on an 90s Oprah show on abductions 🥲
but also yes to that as well. Never go to the second location works on so many levels