I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Reynold Felicia

@mariaowen-ds9cm

18 күн бұрын

Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.

@philipgrey-rl8do

18 күн бұрын

She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states.

@DwanyneWills

18 күн бұрын

Isn't that the same Reynold Felicia that my neighbors are talking about, she has to be a perfect expert for people to talk about her so well.

@suzzykate

18 күн бұрын

As a beginner what do I need to do? How can I invest, on which platform? If you know any please share.

@annaton-oq9jj

18 күн бұрын

SHE'S MOSTLY ON TELEGRAMS, USING THE USERNAME

Definetly looking to earn more as my bills exceed the 50% mark. Thank you for the amazing insights

I like it.. 50/30/20.. Saving can't come easier..than this..

I like this 50-30-20 budgeting method. So good 👍. Thank you for the education.

@Clevergirlfinance

Жыл бұрын

You are most welcome. Yes, this is a very popular budget method and one that is great for beginners and anyone wanting a simple budget method

I do zero based budget. We max out tax advantaged savings like 401K, Roth and HSA. Then we tithe. After tithing we save. Then bills, then all else.

@Clevergirlfinance

Жыл бұрын

Well done. You have a system that works and leveraging opportunities available to you

Going to try this out, thanks!

Thanks for sharing this ‘less-intimidating’ method! I’ll try this out and let you know how it works.

This is the budget I've been using since January and I love it!

Great information thank you bless

Thank you so much Bola you are such a Blessing 🥰😍

I'm definitely going to try this month

Now I have more knowledge about personal finance, thanks to your channel, I just subscribed.Big ups to everyone working effortlessly trying to earn a living while building wealth in this recession. I’m 45 and my husband is 51, we are both retired, no debts. We are currently living a frugal and financially savvy lifestyle and generating passive income even during this recessionary period. Our commitment to saving and investing in the financial market has enabled us to maintain this lifestyle and continue earning monthly passively through investment.Traveling is now on our horizon, thanks to our financial choices,,

@laura2255

6 ай бұрын

Congratulations on your early retirement, Interesting indeed! Currently, I am in dire need of investment advice or tips. Earlier this year, I hesitated and failed to take any action until now. However, I am determined to try something new, as I am very receptive to various investment ideas. I want to be retired in my forties or fifties, I really wish I can achieve what you and your partner has achieved. I believe and it will surely happen.

Thank you. First time using this method, hope this helps🤗♥️

Love your channel

Bola I really appreciate your videos because you never made me feel bad for messing up. I feel like from your videos and website I can finally do it 👏🏽😁.

@Clevergirlfinance

Жыл бұрын

Yes you can do it! Thanks so much for being here!

@suicideshy451

Жыл бұрын

Lol i feel bad for messing up but im glad ill be able to do better 😊

One of my favorite life hacks is to make things straddle more than one category. E.g., just because you have to eat doesn't mean you can't sit down and enjoy it. Thus, your food falls into both needs and wants even if it's just beans and rice --- really tune in to your food! Another example is I like making art as my hobby. Lately I've been making jewelry out of precious metals especially bismuth and silver. So now my wants also double as a savings. So instead of 50/30/20 my budget looks more like 60/50/40.

@Clevergirlfinance

10 ай бұрын

love it!

I'm so excited I found you! You are so helpful, and your resources are amazing. Thank you for all you are doing!

@Clevergirlfinance

11 ай бұрын

You are so welcome! Thanks for watching our videos and implementing what you are learning.

Thank you for providing this insightful video! The concise and informative content is sincerely appreciated.

@Clevergirlfinance

5 ай бұрын

You're very welcome!

Thank you for the information

@Clevergirlfinance

2 ай бұрын

You bet!

Thanks for this information

@Clevergirlfinance

4 ай бұрын

Any time

Thankyou Bola 😊

I use the You Need a Budget app AND now your new Budget Book collab with Erin Condren! I'm so excited so put both to use! 🧡

@fallondavis747

8 ай бұрын

to*

Yes I agree- the Wants should cover debts as well. Try to want less until you pay off debts😊. Budgeting is hard to get just right fit for me- I’ve been trying for 6 months and am slowly getting good fit for me, but it can be time consuming too. Now, after I pay all my bills and expenses, and auto save at least 10%, I put $352 Australian Dollars into my wallet, and $33 into a little tin at home (break glass to spend last😂)-- this is my spending allowance for the month- for food, groceries, Petrol for car, entertainment, gifts, stuff, needs, and wants for the whole month $385 total. Some months I use most of it for food, other months on entertainment and friends and family, other months most of it is spent on stuff-clothes, hair, wants. I just make sure my pantry and freezer is always well stocked and try to eat seasonal produce 😊. Good luck to everyone on finding your perfect fit 😊😊😊And I always write down how much I spend under 4 Broad Categories- 1. Groceries, 2. Entertainment/Friends/Family, 3. Stuff, 4. Petrol 😊

Thank you Bola.

@Clevergirlfinance

Жыл бұрын

Thanks for tuning in!

Right now I am on 60 10 budget 60 on debt & needs 10 on savings my student loan debt is almost done I only owe 1k now I been paying a extra $100 a month once done I will add the $200 I been paying to my savings the interest pause really helped me a lot I was owing 4k before

Thanks, I like your english accent.

Hi..I enjoyed this...any advice where I should invest a small lump sum like 3000 dollars as part of my medium term savings plan

I'm not a girl but thank u for the advice

How could you make it work for couples who have a joint account for utilities expenses only ?

What about giving

I really want to do this, but I think I need to pay off my debt first lol

@Clevergirlfinance

Жыл бұрын

Do it!

I'm starting this plan on my next paycheck. Does the 401K count as savings or because it is pretax, it doesn't count?

So if I spend 80% of my income without worrying about how the money is distributed to my various expenses, is that fine? e.g spend 40:40 on needs and wants

Nothing works , I have a horrible spending problem lol. That’s why I’m here 😢

@Clevergirlfinance

10 ай бұрын

Start exploring and trying out different ways to budget and plan your spending and manage impulse spending. Don't tell yourself nothing works - you are working on it! You got this!

I want to start 50/30/20 rule im a bit confused lets say my income after tax is 15000 then i take out 50% for needs then thats where my confusion start after taking 50 % the 30% i took on the remaining amount after 50%.please assist i need more clarity

@walterkahi4959

3 ай бұрын

Just do the percentages based on the initial total amount of 15000 an break it into the 3 percentages then divide it respectively.

What if my expenses are less then 50%? Now how do I work my percentages for the other 2?

@Clevergirlfinance

Жыл бұрын

Such a great question. You can adjust the other 2 accordingly and decide which to add the extra money you have from expenses to.

@shailee9762

Жыл бұрын

What a great problem to be in. Do a 40/30/30

What if retirement is already covered before the money hits the account??

@Clevergirlfinance

9 ай бұрын

Just adjust your percentages to cover other things e.g. to save more or pay debt.

After taxes we take home 11,500 a month. Daycare alone is $3000 per month. Do I deduct daycare and then start my 50-30-20?

@Clevergirlfinance

8 ай бұрын

You can - and create a budget based on your income after the "MUST HAVES" have been paid (Keeping your must have expenses documented) OR you could factor it all in to the 50-30-20. The key is to ensure you have the money considering all your essential expenses.

🤩🤩🤩🤩🤩🤩🤩🤩

Hii how can u save when your the only bread winner for now

@Clevergirlfinance

Жыл бұрын

Start small and slowly build up. This might be saving 1% or 10% to begin with. See where you can make cuts in your budget or consider a job that pays more, going for a promotion or starting a side hustle for extra income.

The 50-30-20 Budget seems to automatically have lifestyle creep built into it. As you get a raise, your 50% increases, probably leading people to upgrade their needs instead of putting it into saving or some asset.

@Clevergirlfinance

9 ай бұрын

Not necessarily -you can always adjust the percentages to save more. It's all about reviewing your budget often. Look at 50.30.20 as a starting point and customize accordingly :)

😂 needs are 100% of your salary we need a side hustle or a second job😢😢😢

@Clevergirlfinance

5 ай бұрын

What ideas do you have?

Hey,I just saw some of your videos on KZread. I liked your videos very much. You have been uploading videos on KZread since 2017. According to this, your subscribers are very less. If you upload videos regularly and enhance the quality of your videos and thumbnails, then you will be able to grow on KZread very quickly. I can help you grow on KZread. I can enhance your videos better than before. If you have time, we can talk in a meeting.