My mind set was and is entirely different. I didn't want to worry about a thing. No more paycheck to paycheck, no more worries about paying my taxes. So when I paid off all my debt and saved and invested my money, I've been able to achieve financial nirvana. When my ride broke down it was my parents who told me, "Son you work to long and too hard to buy used" I borrowed from and paid myself back . My Grandparents, my parents and now I've achieved financial nirvana. Love it.

Balance. This I’ve learned. I’ve worked myself out of consumer debt, got back in it, felt guilty, changed my budget to fit all the gurus I watch and failed. It was until I finally learned to take “pieces” and make my own formula FOR ME!! What will provide me peace and balance? Knowing yourself and being honest with yourself about what “your values” are is what truly has changed me. You have said it before, “personal finance is personal for a reason” it is yours. If you are reaping the benefits, not just the monetary ones, the intangibles like peace of mind, happiness, do that! Modify as you need but remember BALANCE and GRACE❤️ Loved your transparency!! Always do, keep being YOU!!

@DyanaMariie

4 ай бұрын

Beautifully said!

@BeautifulEarthJa

4 ай бұрын

Taking pieces is a word! Especially when listening to all these 'gurus' with no kids!

@Just__Jas

4 ай бұрын

@@BeautifulEarthJa EXACTLY!! Everyone’s circumstances are different….yes, I believe in budgeting and planning but I believe in doing so in a way that fits “you and your current situation”. Your budget will and should change as your life does.

@colefranklin6779

3 ай бұрын

Perfectly said! This spoke to me so well. Thank you for saying this!

I have been having similar thoughts. After talking to different people, watching different videos and listening to my kids, I realised I have no balance in my life. So I have decided to save and pay off debt at the same time so that I can enjoy my money and not postpone my life for the never never.

Wow, I've never considered the subtle message of "happiness and fulfillment is for tomorrow" That is definitely something to keep in mind.

Being someone that lost a parent and a sibling to soon and unexpectedly, it taught me tomorrow is not promised to any of us. It's one of the reasons why I'm not a fan of a popular financial influencer touting the "beans and rice" mentality. I'm not saying YOLO 24/7 because as most of us have learned some part of the journey is going to take sacrifice. But the journey isn't all sacrifice. It's about learning the lessons and hopefully achieving those goals but not at the same time being a detriment to yourself and those around you. Time is so expensive and precious and we don't get it back. As you constantly live in the future the present becomes the past. I'm constantly trying to check myself to live in this moment and really try to live in today as the gift that it is.

@DyanaMariie

4 ай бұрын

It’s so difficult to stay on the present which is so weird! I agree, after losing a loved one suddenly I ache for the time she didn’t get with her babies. Strive for more but smell roses along the way I say!

I had thoughts along similar lines this year. I was watching another “frugal” video and as I read the comments I thought: “Wow! People have gone from keeping up with the “JONESES” to keeping up with the “BONESES” (living bare bones). It’s become an ego badge of honor to say: “I don’t own a tv”, “I don’t own a washing machine”, “We dont buy anything new”… And many creators are applauded for EXTREME frugality. I stopped watching those videos because a lot of it is just the other side of the coin of tying your worth to your things. One is saying: I am better than you because I have - and the other is saying I am better than you because I don’t have. And nature shows us that ANYTHING in excess isn’t good for you. A healthy organism is always seeking balance. Nice job on this!

Yup this is why I refuse/d to work a second job to pay off debt. I didn’t wanna become a workhorse like my late mother. I was always asking her to spend time with me..😢time is precious, especially when your kids are small. One day they’re going to leave the nest😫

Girl this video hit hard! Ben living in the scarcity mind set bc there we years where it was scarce. I finally accomplished my goal with my career and it was anticlimactic and I feel lost. I don't have the joy, relief,etc that I thought it would bring me and I lost so much time with my children as well try to give them a life I envisioned. So now I'm on a fast with my husband until Friday just praying for direction because I can't afford to lose more time with my kids ... and my career doesn't spark joy it's just a means to an end.

@DyanaMariie

4 ай бұрын

It’s a punch in the gut but I pray you get some clarity!

@keybrewer82

4 ай бұрын

@@DyanaMariie Amen

@bigelowkaryn

4 ай бұрын

Prayers for your discernment to hear from God

@kenyonbissett3512

4 ай бұрын

I was lucky I guess. My mom was on the career/education loop. My dad was obsessed with his work. I remember one year my brother had gotten in trouble with the law at 15. The judge told my mom she needed to be home to supervise him. She was angry beyond recognition because she had plans that summer to be in school full time for her doctorate in education. My dad was a lost cause and could care less, he would do what he wanted. The next summer and the one after my brother worked with my dad every day. No monkey business, just work. I learned that balance is everything. If I became a parent I would learn from yesterday, live for today and prepare for tomorrow. I had to remind myself over and over, but I did it.

Kids grow up fast but I wouldn’t ever regret getting out of debt and doing what it took to do so. That gives your kids a better future and you are able to contribute to their college accounts. The time was going to fly by anyway- getting out of debt was actually a good thing.

@DyanaMariie

4 ай бұрын

I definitely am happy about what ive accomplished just not the way i went about it!

We do the best we can with what we got. You didn’t know better, untill you reached the other side of the coin. You only could’ve known by walking this path. Give yourself grace, this lesson can be a blessing in disguise 💖! Thank you for being so transparent

@BeautifulEarthJa

4 ай бұрын

You only could have known by walking the path....*finger snaps* yasss

I’m not even done with this video and I’m so glad I clicked on it. Thank you for being unapologetically you.

@BeautifulEarthJa

4 ай бұрын

I was really wondering if she was gonna say something new (to me) but once again, she's saying something very useful to me AT THIS VERY MOMENT.

I felt the part when you said you couldn’t remember your children’s younger years & it made me nostalgic. It’s the same for me as a single mom always on the go & focused on providing that I forgot to live & I forgot to remember. If it wasn’t for pictures I really wouldn’t have any recollection. Thank you for being so transparent & reminding us the importance of living for today ❤

You're a courageous woman and not many people do what you did. I admire your honesty. Probably you needed a huge force to keep going and pay the debt you had.......and you made it. Look at the home you got, the amazing car..... and most of all, the wonderful life you've built for the three of you. Yes, we need to pause and take breaths. We need to take really good care of ourselves. But you've come such a long way...... I hope you reckon that. I appreciate you. ❤❤❤❤❤❤❤❤

@DyanaMariie

4 ай бұрын

Thank you! I’m definitely thanking myself because I’ve got some things right along the way

I really needed to hear this. I have a 17 year old and a 4 year old and I'm always like where did the time go?! Being a single mom for many years and feeling the need to constantly give my kids more than what I had, I am realizing that I am missing out on the precious time with them I can't ever get back. Thank you ❤🙏🏼

This video is absolutely brilliant

Yes the ‘freeing up’ of the mind once you’re through it and not desperately counting every dollar to make it through, is new and weird! I also became aware of the not being present and looking back 😢 _ but blessed to have that awareness now ❤

I've been debt free a few times. I promised myself I would enjoy 2024 so I'm booking my experiences and vacations as well as paying off debt, saving and investing. Definitely not trying to stress myself out this year.

Self reflection is good as long as you don’t get stuck too heavily in the guilt. One thing that helped me is to keep a calendar and beside it a list with free, low cost and higher cost events, activities and fun things to do. I will probably sound OCD. I keep a calendar of events for Christmas. Several years there were fun activities and required activities I forgot to do.😢. So, I kept a calendar from year to year and planned things we would do each day, lol, even a rest day. After that we did everything we wanted and missed nothing. It lightened the stress of the season. The calendar was very flexible accept a few dates (Christmas is always the 25th). At different times of the year, I kept a loose calendar. It was fun to look back and remember throughout the year. The thing to remember is it’s not to late until you die to try.

This spoke directly to me. My prayer was exactly this😊 i have a hard time living in the present and I want to be more intentional. Living in “what if” mode 24/7 does not feel good.

As usual, you have your finger on the pulse of what the personal finance world is missing entirely. Thank you. You have put words to what I have been feeling.

I was excited every time I saw a debt free video and I was like "oh wow I'm going to try this" and saw one after another and I then always found myself still sad and constantly thinking about debt. So I prayed to stop thinking about debt and just be ❤ I was not thinking about the most important things. So I stop to live!! And when I prayed to let it go....I did and it is taking care of itself!!! MY FAMILY IS MOST IMPORTANT ❤😊 Especially my Sun he deserves all of me!! Yes I made the debt but if I pray about it why dwell upon it? Letting go was the best day ever!!!

This was soooo spot on and very cathartic for me to watch! ❤ Thank you so much! So wise and correct on many, many important levels 🙏🙏🙏 I will rewatch for sure x

I admire your transparency 💕

This is so good because I’m doing the total money make over & it has been working but I can’t see myself going with out or less by choice. That is definitely the message being pushed out suffer now to enjoy life later

Awesome conversation. It's so hard to find balance between this hustle of "great financial success" and the slowness of really appreciating and enjoying life.

Congrats on becoming debt free! My dream is not to work. 😅 To make money work for me and not the other way around. Financial, Location, and Travel Freedom is the goal. So I am doing what I need to do in order to do what I want to do. Tfs and continued success!

Very good points, thank you for sharing!

Honestly I’ve found that being responsible is really boring lol but that doesn’t mean don’t do it the benefits in the future are worth so much and are far greater!❤

This was a great video, thanks for sharing, Dyana. Getting off of social media has felt like a burden was lifted so I could focus on the present and what mattered… my daughter & her schoolwork and activities and just things I wanted to do for ME. I learned to trade, learned how to swim and tread water, and even took on a new role at work. If I do ever decide to get back on IG or FB, I will be quick to drop it if it ever feels like I’m not focused on being present. Also, when it comes to financial goals, I too have made sacrifices to get to where I wanted to be financially, but I didn’t feel like I had to suffer in the process. I always felt like I was doing or not doing certain things to one day achieve financial freedom and not have to rely on each paycheck but could save and invest more and have time to focus more on what matters. Enjoyed this video 💕

@DyanaMariie

4 ай бұрын

It’s like a breath of fresh air! Worries me I’ll mindlessly scroll again if I download it back

@MomsMoneyMindset

4 ай бұрын

@@DyanaMariie exactly!!

I’m only half way through the video but I’m adding this one to the favorites playlist ❤

This message really hit home for me. I have always had a hard time living in the present. I'm a Virgo lol....we stay in our heads analyzing and planning what's next.

@DyanaMariie

4 ай бұрын

I feel like I should be a Virgo then lol

@BeautifulEarthJa

4 ай бұрын

Virgo here...ditto

I'm really glad I came across this video. Masterclass on introspection.

Such a good video! That applies to so many different things. I've been going through this journey myself with infertility.

@DyanaMariie

4 ай бұрын

Praying you get what you desire !❤

I love the transparency your giving with your lessons learned and still learning this opened my mind to reflect on things I find I'm doing through ego and how to prevent that as much as I can I am proud of you dyana

@DyanaMariie

4 ай бұрын

Thank you!❤

You are a breath of fresh air. Thank you for this message

I’m happy I found your channel. Thank you for this video ❤

Just want to say thank you for being so vulnerable!

This was so powerful. Your words and wisdom are such a blessing. Thank you for sharing your heart.

The way you described yourself is exactly me right now. Daydreaming and losing who I am now.

Such a beautiful video! Thank you 🙏🏽❤️

I love your reflection Dyana. I really enjoyed your videos. I am on my journey to pay my debt, and your words are truly isnpirational

Thank you so much for this video. ❤

Love love love this!

We have to build a healthy relationship with money and credit cards.

This is some major food for thought. Thank-you for your insight!

"Struggle shows up as relatability" - that's the piece of my story that I had to work to get rid of...I had to start refusing to shine a light on my struggle (lest it beget more struggle) just so others (deep in the struggle) could like me too simply because we were in this struggle together. Now, I don't mind sharing my struggle when the struggle is real...but I had to stop reaching for the struggle just to feel real. Being soooo abundant is the new struggle (ie...I have so many vacation options that 365 days in a year is not enough time to fit them all in - whew, the struggle - lol).

This video spoke to me. I relate in so many ways. Thanks for sharing

This video hit hard I love the transparency of it

Paying off debt is like watching paint dry so by the time it was paid off I felt happy but not content if that makes sense. I felt like paying off debt wasn't enough.

💖Loved this video!

Great video as always!💞

@DyanaMariie

4 ай бұрын

Thank you❤

I hear you Dyana. I enjoyed this chat❤

Wow you said a word... At a time i tried to check out of watching all the budget videos,i mean i tried to do a no-watch month. However watching videos of ppl being in debt was my relatable community. WOW...thanks..

I am just hitting debt freedom again

@FIRE_DrNinjaTurtle

4 ай бұрын

I want to stay out of debt, except for rental real estate.

😊 if we take money and possessions out of the equation. We know exactly what we need to focus on. ❤ this video, very transparent.

Showing luv ❤️

thanks for the advice. I want to be satisfied with every day and work toward my future.

This was such great wisdom

Thank you for this. I realize I am living in the same state if mind. Something needs to change.

I know the feeling. I work double shifts and my kids were latch key kids and their education suffered poorly

@DyanaMariie

4 ай бұрын

I hate to hear this!!! I was a latch key kid growing up

This was good!!

Best video I’ve watched in a while. From another mom that’s learning, thank you ❤

The kid parts hit

10:00 that's why I started my facial regimen last August. You've convinced me girl, gonna make that microdermabrasion appt for next wk!

You are always on time for your girl lol

@DyanaMariie

4 ай бұрын

Yesss happy to hear I came on time lol

This video was great I experienced all these symptoms until I found the true balance…investing…the only thing about this level of freedom is due to an abundance of time and money you might get bored knowing your family and friends don’t have the same abundance…

❤❤❤

Cognitive dissonance at its finest Life is about trade-offs, and we must make sacrifices to write the wrongs for the repercussions of our actions. You already acknowledged your thoughts are from a privileged place, which your debt-free journey afforded you that space. I hope you come to peace with yourself...

As just was talking to my mom about this an hour ago. I’m going to graduate this May after a 19 year journey to complete my bachelors degree. The degree won’t make me happy if I’m not happy today

👏🏽🔥

Dyana 💕

@DyanaMariie

4 ай бұрын

❤

🎉🎉🎉🙏

We have to let social Media for our Selves and our kids. The damage is real. The addiction Is scary

Oooof whole video 🔥🔥🔥

Balance

Girl you not helping me cause.i want a facial so bad but I need to be thinking of my future self lol

Thank you for this 🥹