I'm 46 and in big debt and renting a home. I wish I had found this years ago. To any 20 or 30 somethings reading this comment, pay attention to this video! Her advice is priceless.

@SidaFinn

2 жыл бұрын

38 single mom, deep in debt living behind my means, renting, I’ve gotta get this under control

@karenethridge427

2 жыл бұрын

Totally understand…55 widow living with 32000 debt, making 20,000 as a teachers aide.

@RockinRavenVA

2 жыл бұрын

@@karenethridge427 If you have good writing skills and the ability to work 30-40 hours a week, you might think about getting a tech writing job. It's easy to get into especially in this market, there's a lot of remote/hybrid positions out there, and the pay will be a LOT better than 20K/year. Most entry-level tech writing jobs start at closer to 45/55K. More if you live in a larger market.

Don't compare your financial journey to someone else's. So important for people to be reminded of.

Staying in your own lane - 100% the best tip! Sometimes the hardest too.

@brendastough2800

2 жыл бұрын

I agree !!!!

@anakopajtic2034

2 жыл бұрын

@@brendastough2800 ¹111

I treat my credit card like a debit card and always pay off the balance every month. Also, being debt free is the BEST FEELING EVER!

Such great advice. My husband and I live debt free as much as possible. We paid our house off in 7 years. Was it hard? You betchya but is was worth all the sacrifice. We literally bought nothing extra for all that time. It was hard watching my friends get new everything and go on vacations and update their homes. But we did it. Then we saved and paid cash to do all the updates to our home. By living debt free my husband retired when he was 57. Me a few years later because I liked my job lol. It can be done folks!

@ashleyashley9405

2 жыл бұрын

Good for you🙏🏼🙏🏼

@SugarMamma

2 жыл бұрын

So nice to read this! It can be done. This is how we manage our money xCC kzread.info/dash/bejne/pJhsuc2xprCnoco.html

Also, tracking spending & my PMDD/symptoms helped me to identify impulse shopping/high spending likely due to Mania or in search of serotonin boost. Seriously, neurodivergency and chronic illness can really impact how someone spends their money and budgets

@misschris7926

2 жыл бұрын

As a familiar spirit dealing with PMDD and BPD- this hits home... Stay away from someone who encourages that spending instead of dissuading it. It may feel like they are being supportive in the moment but someone who truly cares knows when to say "no".

@antiantipoda

2 жыл бұрын

I have bipolar disorder and your wording led me to read up a little on PMDD. Thanks. Chronic illness and mental illness have huge impacts on your budget: add up doctors visits, medication and therapy and it's a good chunk of change. Remove the income you could be making if you didn't have to opt for a lower stress job and it is mind blowing. I have made peace with mediocrity. To be brilliant at anything I would have to push myself so far out of my limits it's not even funny. Leading a decent life with some interesting things happening here and there is where I drew my line.

@crafting1660

2 жыл бұрын

Just diagnosed with PMDD already diagnosed 15 years ago with BPD. The BPD really makes me shop. I have at least controlled it by mostly spending at the Dollar Tree to keep my overall spending down. A little purchase at a dollar store sometimes helps “ my fix” rather than going to a big box store or the mall where I am likely to spend a lot more.

@antiantipoda

2 жыл бұрын

@@crafting1660 I am "lucky" that my mania shows up very little. I mostly deal with depression. When I am depressed I hardly have energy to live, and when my mania shows up I just shut down, barricade the doors and wait it out. I can be very rude when I am manic and I loathe to impose this on anyone else.

@AgendaInMind

2 жыл бұрын

People don’t get sick from other people. They get sick when they resolve an upsetting event in their lives. If you can’t catch cancer, you can’t catch anything else. The Germ Theory is absolute fraud.

I tracked my spending for a year without changing my spending at all. After a year, it was EYE OPENING to see where I spent money. I spent a ten day all inclusive vacation at Starbucks in a year, and like a nice resort, not a 3 star Cuba resort. 😳 I also waaaaay overspent at Christmas. It was so much easier to make changes when the cold hard numbers were staring me in the face.

Whenever I am tempted to buy something, I wait a week. If I still want that item, and it is still available, then I know I’m okay buying it. For the most part, I forget what I was even looking at, and I don’t spend the money at all. My dad taught me that when I was a young kid. To this day, I still use that trick. However, I’ve also put that money aside, and then when I don’t spend it, I put it into savings instead of back into my checking. It has helped me grow my savings even more.

@MyEverydayBeauty

2 жыл бұрын

I do the same. Another thing I do is go home & go through my stuff, usually find I already own something similar, if not the same thing 🤦🏻‍♀️

Fellow lefty here and this is totally off topic but I wanted to thank you for your videos! Because of you, I no longer have dishes in my sink ever. Who knew such a simple thing would help me get my act together in other ways?! Looking forward to learning more from you.

I tend to be an impulse shopper when I’m at the grocery store, so I take advantage of curbside pick up as often as I can. It’s saved me sooo much money. Also, when I do go into a store, I try to spend cash instead of using my debit card. The change I get back goes into a coin jar that I cash in once or twice a year. It really adds up 😉

@vidz953

2 жыл бұрын

I agree 100%! Curbside pick up has saved us so much money and forced us to stick to our meal plans.

@ang_131

2 жыл бұрын

Yes! That was one of the unexpected benefits of curb side pickup. Totally worth the annual membership we pay for it. And after having kids, the time savings is also much appreciated.

@dzwanz9455

2 жыл бұрын

Wow hot tip to utilize curbside pickup to help budget groceries, can’t believe I never thought of this! Thanks!

@TheDecoCottage

2 жыл бұрын

Agreed! Curbside pick up and delivery has cut so much off our grocery bill. I save more than enough each week to pay for the yearly membership for Instacart.

@Akyomi

2 жыл бұрын

Getting groceries delivered was the best thing that came out of the pandemic.

AARP said that a number of seniors get into financial difficulty because they try to keep up with their more well-off friends. Hearing that, we stopped trying to keep up with them. A lot of it was going out to dinner and entertainment

Whoa 705k subs congrats! Been watching since you had 20k and your money saving tips have helped us dig out from 40k in debt in the last 3 years. We are now debt free (other than a small mortgage) and my husband was even able to quit his job to stay home for the last 5 months and take care of our daughter. We now can breath much easier and enjoy our life! Thank you! 😊

the best thing about waiting is often you get new info and save yourself from a terrible purchase

Kallie, you're a gem. Just fantastic non-judgemental advice all around. Thanks for being you.

Being patient with your money is such good advice! My grandparents saved for YEARS for their dining room furniture and my grandparents described the feeling of satisfaction when she finally got it. She tried to instill that patience in me and I’ve struggled to maintain it in our current social environment. Thanks for the reminder. All great tips!!

@AgendaInMind

2 жыл бұрын

People don’t get sick from other people. They get sick when they resolve an upsetting event in their lives. If you can’t catch cancer, you can’t catch anything else. The Germ Theory is absolute fraud.

Don’t increase your standard of living, increase your standard of giving!

I always ask myself before making a purchase "Is this a want or a need"? This has helped me stop before spending money. TFS

I am so impressed by this video. It was very approachable and didn’t “money shame” but it was also really direct and matter-of-fact about how money can slip through our hands. We have put almost all of your tips into practice over the years, and those priorities have served us well!

@SugarMamma

2 жыл бұрын

Hi Mary, having financial and lifestyle goals in your budget really helps make a difference too. This is how we manage our cashflow kzread.info/dash/bejne/pJhsuc2xprCnoco.html XCC

@AgendaInMind

2 жыл бұрын

People don’t get sick from other people. They get sick when they resolve an upsetting event in their lives. If you can’t catch cancer, you can’t catch anything else. The Germ Theory is absolute fraud.

Whenever we get pay increases, we increase our monthly mortgage payment and savings deposits to match so our disposable income never changes, so our lifestyle never changes, BUT our mortgage will be paid off before our kids are in junior high school and we’ll hopefully be able to retire young enough to enjoy it.

Back in 2008 when the economy tanked I learned a valuable lesson. I was determined to pay off all of our debt so that we could live a better life. We even paid off our house when I was 56. Today we have one car payment and that's all. It feels so good. Your tips were so good.

I was in finance and lending for 45 years and counseled hundreds of people. My favorite saying was “you are trying to keep up with the Joneses but when the left this morning, they were on their way to bankruptcy court”. Also I would add that many people spend money buying things to try and fill up that deep dark hole they feel within them. Things will not fill up an emptiness within you or stop the repressed anger you are feeling towards someone or something. I enjoy your postings and the info you share. Keep up the good work. Jan T.

Staying in your own lane and being patient with your money are the most important of these tips for me. Living below your means makes many of the other tips possible. When I shop, I always make a list. It keeps me on track. I also have a weekly budget for groceries, and I keep a running total as I shop. It helps me not to overspend. Now I live on a fixed income, so I have to be careful but, the best thing you can do for yourself is to learn and follow these tips while you're young. Then it becomes second nature. My dear Mom and Dad were experts at this and taught us well!

One thing we did (and we're totally debt free, with the exception of the mortgage) is not to buy anything that we couldn't pay cash for.. PERIOD!!! It was hard at first and so easy to do now that we're not in debt

@stormygirl1704

2 жыл бұрын

Smart!

@ang_131

2 жыл бұрын

Yes! It’s hard to get started because it means going without at the beginning, but it’s so nice when you get into it. It also requires realistic future planning. And I’m not just talking about big obvious things like a new car or a kitchen renovation. I have accepted that I spend $1500 every year on Christmas. I know it’s too much, but it is what it is and I enjoy it so much it’s worth it to me, so I just plan for it. By November I have it saved and I can buy gifts guilt free. Same thing with electronics. I commit to five years with a cell phone and I save accordingly so when the time comes, I can guilt free buy myself a new phone. Same with laptop, tablet, etc. It’s relieved so much invisible stress in my life to know I could pay for most emergencies tomorrow in cash.

@robintaylor4604

2 жыл бұрын

@@ang_131 I overspend at Christmas because we have 11 grandchildren! But we only get gifts for them....and the few immediate family adults we've got left.

@robintaylor4604

2 жыл бұрын

@@stormygirl1704 Thank you!

@justinagrossmann3578

2 жыл бұрын

In my country, Lithuania, paying with credit card is very uncommon, all life we are taught only to spend money which we have. Many people go around it by buying some things like TV, or washing machine, or furniture with a pay system where they pay, e.g., 30e a month for a year or two, but then one always ends up paying much more than the thing itself costed because loan always takes it's share. So we actually only buy stuff when we can afford it, it's always a good idea. :)

Living debt free is an amazing thing! Lots of good tips here. Thank you.

You are spot on with all of these tips! Thank you for encouraging us. Congratulations to you and your husband on your accomplishments!

I like that you say to be ‘judgement free’ when looking at your spending habits. This makes me want to take a hard look at my overspending and come up with a plan. Thanks for sharing!

Need this right now. I'm a vet student with loans, just moved, getting married soon. Everything is adding up and we are stressing about money.

This video inspired me to finally pay off a line of credit my husband have had for years! We already planned to pay if off by the end of the year, but we could afford it now so I bit the bullet. I love these financial videos you put up. They're easy to follow and implement! Totally agree with staying in your own lane. It is so easy to be "influenced" by social media; I have to catch myself a lot on this.

I save thousands a year by just paying myself first. I have money taken out of my paycheck automatically snd put into an interest bearing savings account. I never even notice it.

The tip about living below your means is the key really. I had to leave my job unexpectedly and even tho I was able to find a better fitting job quickly we went 2 or 3 months relying on my husband’s income only and because we lived below our means we had to do 0 adjustments. Sure, we lived paycheck to paycheck for those months, however we were not behind on any bills and you couldn’t even tell we lost an entire source of income.

Stumbled on your videos... love the way you present the info (plus the cartoons & special effects lol)

Great advice and tips, Kalli! Love watching your videos ❤️

Thanks Kelly. This is a very helpful video. I hope you change some people’s financial situation.

Thanks for making money matters so simple! Most other videos on money have elaborate money tracking systems that take forever to understand let alone implement. Thanks for making it easy and helping us see we can do it!

I use direct deposit to put a portion (currently 33%) of my paychecks into savings. When I never really see the money in my checking account, it makes it way easier to save it.

There is so much good and practical advice in this video. Thank you!!

My parents did the same thing when buying their house, bought it with my dad's paycheck only. They used my mom's paycheck to pay the bills. Thanks for the great informative video!👍👍👍

My husband and I were lucky enough to get some pre inheritance and pay off all our non mortgage debt, now we are more excited to budget and save than ever before. For us the idea of getting more excited to save than spend has really helped.

@msaijay1153

2 жыл бұрын

Pre inheritance? Great idea!

So true... that the act of spending is a habit that can be changed - your organizational tips and hacks really help motivate me. When I’m in a rut or over-whelmed, I think how would Kallie do this- I find your encouragement to break tasks down in manageable and non judgmental ways is right on💕

Thank you so much for this video. I been on the journey of being debt free. One more payment and I'll be a debt free person. Thank you for the inspiration.

Great advice!! I'm looking for ways to save, thank you for sharing!!

This is so inspiring! Thank you for all the advice :)

I just found your Channel today and I love it ! Thanks for all you do:)

Great Video 😃. I love the “every dollar app” so amazing

always helpful thank you

just wanna let u know that i watching ur vid every morning and sometimes repeat the same vid over and over again to motivate me 🥰

Congrats on your money lifestyle! It is hard to live within your means and below! I went to a budgeting seminar once and the presenter said you should live up to 85% of your means. She said if you lost your job and had to get another one quickly, chances are you’d have to take a pay cut. If you are already living at 85% you’d be able to live just fine on that pay cut! I have that problem of staying in my own lane!! It hard not to want what other people have-when it seems that you have so much less!! Thank you for verbalizing this-it’s nice to know I’m not the only one that feels this way, and I should be more content with what I have and what I can afford!!

This is such a good video. I now feel prepared to budget properly and how to review my financial situation. Thankyou!!

All great tips. I really needed this.

I wanted to thank you, I shared this video with my son, who doesn’t enjoy me saying you can save by doing x,y & z, but hearing it from someone he hadn’t heard of before in a great titled video made him pass on that information. Therefore I know it went in & made an impact. He’s recently got a new job & his girlfriend thinks that means more takeaways, etc so I was really worried. I now feel happier even if she doesn’t (she doesn’t work so it’s 100% his money going out the door or being put on the fire in interest as you say). Thanks & I wanted you to know you’ve positively impacted a young life & helped a mum destress too. 🤗🤗🤗

Admirable way to manage your money at such a young age. Proud of ya girl!

Great suggestions! Thank you 🙏

You are being very smart! I hope lots of young families watch this and pay attention!!

Making that chart, with dividing the big amount into smaller amounts and ticking off! That advice I am definitely going to apply in my life, it's such an amazing idea! Thank you for your advice ✨ It's so true we need a bigger goal to actually make changes in our present✨

This was so helpful! Thanks!

Great advice! Thank you!

This was really great! Thank you!

I love re-watching your videos on great money habits 🙂 I have to keep reminding myself to not worry about others and not submit to 'peer pressure'. My husband and I have just paid off the car and are working towards paying down personal loans (using the snowball method). I do find it hard to stick with it at all times, but I am trying!

Loved your editing!

These are really great tips. I’ve cut things out but im going to track my spending.

Thanks for inspiring people to save instead of spend. KZread is full of hauls and things that push people to go shop!

I just want to say hi! I’m new and I really enjoy your videos

Girl, there are people who have made MILLIONS giving financial advice that's nowhere near what you did for us in this free video! My absolute Biggest obstacle about getting our finances under control is #1. I'm disabled and not in a position to get any SS or anything, so my husband is our one source of income. I'm home, usually by myself all day, usually in pain and depressed, and "self-medicating" with online shopping. I am so humiliated by my frivolous spending, that I have basically (subconsciously) dug my heels in against getting a budget together with my husband. Like if he knew those figures, I'd feel so ashamed and so guilty. I think I also have a subconscious fear and tendency to panic that any budget limitations are going to tear away my "medication", and leave me with nothing to console myself when I'm having a bad day (which is most days). Obviously those are issues very specific to me, but that's why the whole "Judgement Free" tracking idea gives me more hope than I'd ever had when it comes to finances. My plan is to just do it on my own for a while, and get to a point where I've 1) faced my spending/fears, and 2) gotten to a point where I don't have an anxiety attack just Thinking about talking to my husband about money. Let me be clear-He is not the problem, he's kind and understanding and rarely says a single word about money I've spent. The problem is the inflation thing. He's had like 5? promotions, and makes over 6 figures, but No Matter How Much He Makes, we are always living basically paycheck to paycheck! It's INSANE, and there is nothing obvious as to where it's all going. I Hate how stressed he gets about never having a decent chunk of savings, and how we're usually out by payday. So there is a LOT of Emotional stress tied to money for us, so we tend to avoid talking about it or paying much attention to it-which obviously perpetuates the problem. Truly, I feel genuine hope for the first time since we got married 22 years ago, that I can cut the emotions out of it, and not feel like I'm adding to my husband's stress level. Sorry, this is a lot of TMI, but of All the people I've listened to give financial advice, no one held a candle to you. You're clear, concise, but coming from a realistic, and compassionate place, and I can not begin to tell you how grateful I am. This whole video was one big 💡. I will definitely check out your other posts. Thank you 🥰

@missmegany

Жыл бұрын

I hope 9 months on you're feeling a bit better about your spending and a budget. Having "fun money" category gave me a sense of shopping without guilt.

Thank you for the great tips

I love your edits👏🙌🤗

Thank you for the info!❤

I love this video... keep making more like this

Keep up the awesome videos 😊

So helpful!! Thanks!!

Great advice. Love your top.

Great video!!

We just paid off our house in 3 years using exactly these steps, so if anyone doubts it, I'm here to testify that it all works. Granted, our house wasn't terribly expensive, but it wasn't a fixer-upper either and we did it. I use our credit card for everything now, and pay it off every month, just to get the points. The opposite of lighting your money on fire, is to get free money. I think I struggle the most with staying in my own lane. I really need to stop scrolling on social media for a while. Good luck, everyone!

This was very informative. I could have used this indication when I was younger and first married. Spent many years living payday to almost payday. Stressful, depressing etc etc. Kudos to you Kallie!! Wonderful info for many people!!!👍👍👍👍

@ang_131

2 жыл бұрын

Don’t be hard on yourself, I think most people have to learn this stuff the hard way.

Such good advice!

Love love love this video content watching this gave me a reality check … thank you so much

Awesome!!!! Thanks for the advice and the imaging of burning money 😖

I absolutely love your stay in your own lane concept.

I love your positive videos and messages~I'd love and appreciate MORE videos on how to get out of debt! Thank you!!

This is exactly what I needed!!!

Well explained! I'm a new subscriber here from the Philippines 🇵🇭

I admire your videos, so smart, thank you for sharing your experiences.

Love your videos… very inspirational. Your own lane is a great one… never mind what everybody else does. Carrot on a stick… never heard that before. Always thought it was carrot or a stick meaning to motivate with reward rather than punishment.

@username00009

2 жыл бұрын

You’ve never seen a cartoon with a character who is chasing a carrot that is dangling from a stick that is tied to the character?

Thanks Kallie! Ur the best...

Don’t compare your finance with others finance situations , very wise thanks kallie for the tips

Good good info. OT: Do you have a makeover video for that background?

My biggest change is that I stopped having QVC on tv for background noise for the dog. It’s amazing how the subliminal ads made me buy stuff .

I like to use mint to track my budget! You can connect accounts so it automatically tracks things for you but also gives you the freedom to adjust things to different categories and limits

Great tips I track my expense on paper ! Its crazy how much we spend on eating out and TREATING myself lots lol massage, makeup nail hair etc

Good tips!!!

I love true bill to track income and spending! its super helpful

I loved this video. Thanks.

Smart advice!!!!

I’m binge watching your vids instead of cleaning my kitchen and doing dishes!

I enjoyed watching your video! Its so hard to stay in your own lane 😢 im in the process trying to fix my budget. I was doing good but now im right back to square one! 😩

I just use a spreadsheet, for the most part. That's how I discovered just how indebted I was. Shocking! But, I now know and am working on it.

Great advice! There needs to be some of you KZreadrs teaching this in school.

PS I use the Every Dollar app for budgeting

I generally choose cash for payments. It is amazing to me how the banks then find you to be a risk and want you to take out credit to get a mortgage.

great video. What are you guys using for countertops, I like them.

I use all cash for paying for groceries just so I don’t overspend! It is really helpful to see the cash go out of my wallet!