🥂 I loved this video, I wish you had titled it money chats, I would have made tea. Thanks for showing that budgeting is important but it must also reflect your life and your expenses. Savings challenges are great but we don’t have to do them the same way. If you need to keep money at the bank because you’ll use cash, do that. We need systems that work not systems that make us feel like we’re failing at managing money. Thanks for the video.

@MillicentM

Ай бұрын

Nelz, trust me choosing a title was hard 🤣😭 glad you enjoyed it though. You are absolutely right, saving systems do not have to be the same hey they just have to work for the individual...

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Hello Millicent. Sometimes life gets in the way of our plans and you end up doing what you need to do at the time. I would strongly encourage you to start over, I know it's discouraging but hey don't overthink it....🥂

@MillicentM

Ай бұрын

I will definitely press start again, you guys have made me see things differently.

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Love the makeup look. So cute, simple and natural looking. No why must they not hit you up😂, you’re a fine babe now. With Cash stuffing you just have to reevaluate it every couple months especially the envelopes and where they are on your priority list. Also, the important savings you never want to keep on you (cash), I have tyme bank for those… Starting afresh with the challenges is a good idea. EE is bad for everyone 😅, my loss is around R1500, but thankfully the TFSA is on a profit so it’s balancing it out.

@MillicentM

Ай бұрын

I think my money personality is not fit to save cash on hand 🙌🏾 and I have to accept it, trying to challenge it just makes me feel bad about myself and the decisions I make. However I do want to continue with living expenses cash stuffing, will re-evaluate my envelopes now that things have changed ( goals wise) Yoh EE broke my heart 🥹😩

@BongiCekuse

Ай бұрын

@@MillicentM it’s a good idea to separate the living expenses to cash and savings/sinking funds being online. Wishing you the best with this new strategy

That happened to me ka May cleared all my savings coz of travelling from Cosmo to Centurion for the new job and now zero balance but told myself soon as end of June am gonna go back to saving and i really pray n hope all works out because if not all i had planned for end of the year will not happen 😢

@MillicentM

Ай бұрын

Atleast you had the savings to help with transport 👏🏽👏🏽

I like how disciplined you are with your finances. I have a spreadsheet but this one that you are using seems better. i need to be more serious and up my game.

@MillicentM

Ай бұрын

I am disciplined in creating 😂 but sticking to it is another ball game 😭

I'm catching up sis💕💕💕💕

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Checking in ✅

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ShopRite tin,milk all sorts and pnp meat veg n fruits...clicks toiletries

first one to watch 😂🎉❤❤❤❤❤❤❤

@MillicentM

Ай бұрын

Here are your flowers 💐

You are so relatable hey Milly, love love your Vlogs

@MillicentM

Ай бұрын

Please don't forget this when I am a rich housewife 🤣🤣🙈🙈 thank you for always watching.

It is all about cutting back or getting an additional income if you can. I do a lot of cutting back but it is challenging. Continue saving Mommy, there is no perfect system, do what works for you and cut back where you can 🥂

@MillicentM

Ай бұрын

I think I speak for a lot of people to say, there isn't anything left to cut back without compromising the quality of life and personally - I am not doing that. I am trying a new method of alternating on " luxuries" and ranking savings by "urgency". This money system is a tough one, but we soldier on.

@pheladifakude8237

Ай бұрын

Am with you on that. We rob Peter to pay Paul, there really isn't much to cut back on. We do whatever works for that time 👌

Here catching up and not skipping ads gang 😀

@mokgadimorapi

Ай бұрын

you look stunning, I get them

@mokgadimorapi

Ай бұрын

I buy at checkers using checkers 60 then woolies

@MillicentM

Ай бұрын

I used to love the App but I felt it made me miss out on Promos 🫣

Hi Aus' Millicent, nothing is hard like going back to saving after touching your savings but i would definitely advise to just close your eyes and start again, don't think too deeply about it.

@MillicentM

Ай бұрын

I will try hard to just start over.

@nomafmaroga6827

Ай бұрын

I thought I'm the only one struggling to go back. We saved for our wedding, honeymoon, and renovation, now 6 months later we are still trying to get back to our feet. Is hard! Or we are exhausted 😭

@preciousndlovu8100

Ай бұрын

​@@nomafmaroga6827 Keep trying, bit by bit to get into the habit again then set your realistic preferred standard.

I love your honesty 😅😅😅😂 sbwl

@MillicentM

Ай бұрын

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Waitse I wanted to ask how long your Makro detergents last. I always watch that video and I decided to save R300 a month for detergents because of you.Thank you ♥️

@MillicentM

Ай бұрын

I think things last depending on how you use them. My stockpile should be empty by end of this month 🤔 meaning they lasted me 6months

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Hi love❤,I love your office space hle❤. Nice hairstyle ❤ I buy my groceries at Checkers and Shoprite. You are so powerful ka Excel hle😮. I love the way you do budgeting 😊. I'm stuck in the oldern days😅

@MillicentM

Ай бұрын

Thanks ♥️ I wanted it to be girly but I am sharing it with hubby so we are keeping it simple. Ha'ah stop budgeting the old way - actually my next budgeting episode will be dedicated to showing you how to budget 🫂

So wholesome😃 we do groceries ko Makro, Woolies and Checkers

@MillicentM

Ай бұрын

Makro i get quickly overwhelmed but someone once said it's cheaper than most stores.

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Things will get better 💪🙏....i feel if u keep the Why u saving first then you'll win in the end 😊

I am here ❤

@bekz3

Ай бұрын

We pretty much buy every where shoprite, checkers, woolies and pick n pay I've never tried makro Shuu I'm so bad with money but I'm trying to do better

@MillicentM

Ай бұрын

I want to give the Shoprite in my area a chance. As long as you are trying, you will get it right.

Great video.Thank you.I was saving up but May showed me flames.The sales at the shop were very low and i had to use my savings. So this June I am starting over.Hopefully by December we will be somewhere.cutting down on a lot of things.

@MillicentM

Ай бұрын

The nice thing about savings is that they come in handy when we have low income months 😌💰

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Great video, you look beautiful. I am always looking for better way to save and budget. 🥂❤❤❤

@MillicentM

Ай бұрын

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Start over mommy You did what you had to do at that moment and for your child. ❤

@MillicentM

Ай бұрын

The "guilt" of spending the savings has me on chokehold

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Hey Momma ❤

@MillicentM

Ай бұрын

Hello ♥️

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11:17 I wish I could be this disciplined when it comes to budgeting. Everything is just expensive, making it difficult to stick to budget

@MillicentM

Ай бұрын

I barely stick to mine but I still budget to see where most money goes and do better the next month and to absolutely outline my savings so that the money is saved before anything else.

If I use my savings for a ‘hurdle’ then once that’s sorted, I go back to saving. So go back to saving, it’ll help you again some other time

@MillicentM

Ай бұрын

I will definitely start up that envelope 😌

Well, we used to think we spend 5k on groceries only to find that it is more. 😢😢😢

@MillicentM

Ай бұрын

At one point we were spending well over 7K on Groceries excluding Takeaways & that's when I started cash stuffing

We don’t buy groceries monthly🥲it’ll give me too much anxiety. So we buy as and when we need or weekly🫠 What about your Makro gift card, are you still saving there?

@MillicentM

Ай бұрын

I got tired of shopping weekly 🫠 • i wanted to save in the gift voucher but commitments are too much this year.

Hi Milicent, I enjoyed your content. I would advise you to start over. Last month I depleted my personal savings from 10K to 800. I had to sacrifice this month to just bring that account up again and I plan on doing that again next month. This month is rough but I know this will make me think twice again before doing what I did again. All the best❤

@MillicentM

Ай бұрын

Advice Taken ♥️

Iyooo kid’s snacks are so expensive this days and they snack waya waya😢

@MillicentM

Ай бұрын

Wena with schools closing, i am scared to see how much we will spend 😭

@Letty902

Ай бұрын

@@MillicentM Iyooo I’m scared 😟

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