What you will do with 1 k is what you will do 100 k , Create positive Money Habits.

Oh my God, I can so relate with Lydia : Im the same ! I always think it is THERE.

Avoiding debt... I have been in that burden for a couple of months.. I'm glad I have grown out of it. Unless it's a die thing, It's a mistake I'm not repeating. Phew!

To us who likes the video before watching 😂😂😂😂😂tupewe kiti hapo mbele 😂😂

@dianahonyango.5750

2 жыл бұрын

I knooooow😂😂

Somebody said the giver should tell the receiver when to stop because the receiver will never stop 💯

Lydia's point on honesty just helped me on a No I needed to say to a plan with my friends I almost went into debt for it right now and after that point, I decided to be honest just texted and said my budget is tight right now I will not attend probably next time. Liberating

Task number one ...liking the video ata before ten seconds 😂😂

Money is the The Messy In-between 😂😂😂 "Goodnight"

@youngzzaz5407

Жыл бұрын

lol😂

Well done ladies!! Binge Watching ❤

You guys are just a gift that keeps on giving..I need this money conversation. I love you guys..I have such bad money habits and I used to be a saver,I don't when it changed

Bad money habits Lemmi tell you I had all the money lending apps. It was slavery. I stopped borrowing on June and girl is doing good. I'm only struggling with fuliza coz of 'Black tax'. Thank you so much for the episode

Boundaries don’t only Protect you, they preserve your Value by Lydia ❤️ Goodnight

I have had a very bad money habit but i got myself a financial advisor and my life changed. Best decision i ever made.

@chelseagichobi1278

7 ай бұрын

Do you pay them🌚

My one rule with money is "not spending does not translate to saving". Saving requires conscious effort towards it. So when i need to spend, I will, then i what is for saving will go to saving. Also, i usually separate my money like some is locked savings, savings, for business is separate. Because where i see a comma, i swipe😭😭😂😂

Copy pasted from google - The 50/30/20 rule budget is a simple way to budget that doesn't involve detailed budgeting categories. Instead, you spend 50% of your after-tax pay on needs, 30% on wants, and 20% on savings or paying off debt.

Been always a silent one but literally been watching all your videos and recommending your YTC.. its just one that I haven't but I will. I couldn't let this one sliiiiide!!! Its one topic I intentionally plug into..I wanna have better relationship with money. I so love you both. You are such a vibe!!!❤❤❤❤❤❤

This is a really good topic and I really needed to hear all this.. Also, Lydia's point on getting the courage to be honest and say that you can't afford something or going somewhere if it's not in my budget then I'm not doing it. I'm really trying to work on this and have Financial Discipline.

Lydia " i would vomit " 🤣🤣

Murugi i think you should channel all your income into one account then pay yourself a set realistic salary every month based on your expenses and lifestyle

Am so inlove with this podcast so informative 💯💯

You guys are just awesome... Content @💯

Y'all should watch "Smart Money Woman" it brings everything into context. Or you can read the book version as well.

@sanitationEng

2 жыл бұрын

I read the book and it helped me understand how to handle money. I'm still teaching myself on how to better manage the little I have

@elleakenya

2 жыл бұрын

I would like to borrow the physical copy if any of you has one please 🤗

@sanitationEng

2 жыл бұрын

@@elleakenya I have a soft copy. I also don't know where to buy a hard-copy. By the way I'm on your channel watching your braiding video

@elleakenya

2 жыл бұрын

@@sanitationEng thank you 🤗 how about you whatsap me the soft copy

@sanitationEng

2 жыл бұрын

@@elleakenya Allow me to do so tomorrow. I'm almost sleeping

It's how Murugi blinks to prepare herself,just to blink out of impulse, for me😂😂😂😂😂

Window shopping helps me make better purchases

I'll talk about my negative money habit. I save money, not to use it later for myself, but for it to just stay there and provide me the comfort of knowing I have money☹️. I really really hate this scarcity habit and I'm hoping I'll find a way to stop it. Love your content❤️

@gloriakelego643

2 жыл бұрын

Finally I've found somebody with similar habits as me..can we please find a solution 😂😂

Whueeeeh today my big sisters are shouting 😫😂...I swear this came in so timely ... Thankyou

Lydia...the exact thing happened to me.My bf told me my cousin's bf was cheating and my dumb ass cousin put me out for the dogs.Well now I just cut her off and everything related to the trio since her bf was my bf's friend and they all made me look like a fool.

Also identify your spending triggers and avoid them. #Smart Money Woman

This was so timely for me Much love ladies ❤️

A bomb episode catching up late but definitely before the next episode you guys are doing an amazing job am a better human being from the 19 episodes it can only get better

I have clinched from the beginning to the end. Am bad, so bad with money, that I have snail progress. This will help me alot

Yaaaaay, can't stay calm..... Today am on time 💕💕💕💕💕💕

Murugi I feel you,spending is really addictive,I am working on that.Thanks for this one it's amazing.

Really enjoyed the talk,am 20 and I think this will really help cause I just realized am already full of the bad money habits

Wow.. Right on time.Already tuned with my notebook.

I love this topic...thank you murugi and Lydia..

My ultimate fave's 💃💃💃

My takeaway the courage to say "that is not in my budget" good night

Money dynamics can change friendship i like it

I'm glad I can save and watch later

Those money lending APPs and credit cards are the full ghetto! I am getting myself of the hole pole pole

Can't wait

Lovely conversation

Guys I got a shout ...😫😍😍awww

Definitely gonna be wiser with my money choices 😣

U can never heal what u dont reveal ,nimechomwa😭😭

25% (or less) of your income goes towards rent or mortgage max!

My comment got read. And you said my name ✅ right. (Insert smiley face)

nice topic gals kudos

😂 😂 😂 Murugi I totally relate. I want to delete Instagram coz aki impulse buying is my second name. My motto, 'I work so hard for this money' 😂

Better money habits great topic but ladies its not easy when black tax has drained someone emotionally and financially leaving one we so much bitterness betrayal and pain. Please advice if its your parent who has put you through this

Hmmmm … Murugi has a middle income lifestyle . Ngumo estate is basic of basic middle income . Dunno who lied to her .

@melanie_marseli

2 жыл бұрын

So why are you hating👀

@jw8856

2 жыл бұрын

@@melanie_marseli hating is saying Ngumo is middle class?? Just stating facts

@brendahakinyi7212

2 жыл бұрын

She could be there because she's investing in kileleshwa!! Stop hating

💝💝💥

What you do with 1k is what you'll do with a 100k. On TMI talk let that lady collect all the evidence, drop it like a 💣 💣 💣 and run

First of all, was this recorded much earlier? Because I am trying to figure out how Jo got those lines done

Window shopping

Lydiaaaaaà you didn't do the research ????? 😂😂 goodnight please

I have subscribed,, 😂

TMI,been long. Let me catch up

Bargaining is also a good money habit right??😅 don't just buy things at the exactly Same price as quoted when you can negotiate😂😂

Thanks God it’s not sex today S let’s talk about ssshmoney

How y all watching n not liking😭😭😭😭😭why??????

Bad money habits: I should stop online shopping when am bored!

Jameni who messed up with my notification bell....karibu nilie eti hamjapost.

On TMI talk, whatever that girl decides to do, she better have some photos or videos. Then leave the friend, she made her move out!!!! Shit it's definitely TMI😂😂🤝

Save in a sacco at least 10% of your net income. Sacco savings are the best. If you are able boost your pension/retirement savings. The dividends are worth it.

This conversation is so triggering 😭 I'm so guilty...

Eat once and starve, wow i didn't even realize how toxic this trait was, wow

@lifeskillswithjuls

2 жыл бұрын

I have a money just runs out belief so I just spend it on random unplanned things coz it's going to be gone anyway whether you get that food you are craving or pay some bills. Got to work on it

@TheCookingNurse

2 жыл бұрын

@@lifeskillswithjuls exactly my problem too.

i guess first you have to have money ? lol

I'm bad with money waah. You guys are shouting 🤦🏽🤦🏽

Lydia is 25% of your salary

Even with your fake bougie accents, we can tell you were significantly brought up in money but in a rural setting 😂, be yourselves, people can spot fakeness and they won’t subscribe

@rosemarywachira5029

2 жыл бұрын

You need some healing to do.... Lemmi invite my friends to subscribe,we can't allow this bile to bear fruits,,nkt!

@3rdworldwonder585

2 жыл бұрын

@@rosemarywachira5029 wacha kuwatetea hawa unaeza kuta ni mashoga, no wonder wengine waliwachwa na na bwana zao, endelea kuwaskiza tuone mahali utafika