1. 0:40 - 3:39 Spending Freeze 2. 3:40 - 6:30 Budget 3. 6:31 - 8:07 Change Withholdings 4. 8:08 - 8:55 Sell Stuff 5. 8:57 - 10:04 Work Extra 6. 10:06 - 11:35 Charge Scooters You're Welcome

@Doors067

4 жыл бұрын

Off camera: porn! Duh

@RandiMarie1111

4 жыл бұрын

Kim Nevils Thank you!

@caut176

4 жыл бұрын

Thank you!

If you are a couple, its better that the person with the higher paycheck pays the bills and the person with the lower paycheck save it! I and my wife did this for 5yrs and saved over 80% for our first home. It just takes discipline!!

@ShaheedahHill

4 жыл бұрын

Yes, that works! If people overall learn to live on less they can do a lot better financially. Great suggestion!

@theeglamorouslocs2633

4 жыл бұрын

Goals

Eating out and online shopping is my weakness

@ShaheedahHill

3 жыл бұрын

Get some recipes🙂

@raynbowpride1989

3 жыл бұрын

Same for me😩😩😭

@678tanesha

3 жыл бұрын

Same Bro 😔

@melissaislove7276

3 жыл бұрын

Me too

I absolutely love your videos, I have been doing this and I'm a Mom of three. No eating out, no fast food, cooking 100%, left overs, you name it. I am determined to save for my down payment.

@ShaheedahHill

4 жыл бұрын

Thank you so much for the feedback. Yes, you can do this and the sacrifice will be worth it!

@valeriecoleman4335

3 жыл бұрын

Me too

@valeriecoleman4335

3 жыл бұрын

Me too

@geraldwhite1671

2 жыл бұрын

Great advice.

My wife and I make about $60/year. We've saved almost 60K in the last five years. Made A LOT of sacrifices, meaning all tax return go straight to saving acct. If rent and other utility bills arent due, those money go straight to savings. I haven't bought a pair of new shoes in about two years, my wife never complains of needing a new purse. Seeing that money goes up monthly is really motivating. We're starting the house buying process once we reach about $85K cash and we should be there by end of 2021. Cant wait... need a nice house though once all is said and done

@ShaheedahHill

4 жыл бұрын

Sacrifices are necessary to reach your goals! you all are doing great. Thank you for sharing!

@Lilbit2215

3 жыл бұрын

Put that in a index fund and it will double. By then I guarantee you

@dericanslum1696

2 жыл бұрын

...intelligently invest the money you're giving to the government as an interest free loan and you'd have even more...

@brickcity1711

2 жыл бұрын

@@Lilbit2215 what’s a good index fund?

@Lilbit2215

2 жыл бұрын

@@brickcity1711 VOO or VTI

You’re professionalism is amazing. I’m saving for a home now. Sometimes we just need to be reminded of things that we already know

@ShaheedahHill

4 жыл бұрын

Thanks!

@g-mawof5310

3 жыл бұрын

I’m doing the same. But Geesh

1. Spending Freeze 2. Budget 3. Change Withholdings 4. Sell Stuff 5. Work Extra 6. Charge Scooters

@ShaheedahHill

4 жыл бұрын

Yes, basically. Discipline yourself and if you need to increase your income find creative ways to do so. Thanks for watching and best of luck!

@eedabc123

4 жыл бұрын

Thank you...

Super informative video. Me. a 31 year old man with no kids or wife/significant other plans on buying my 1st home by 33. I come from poverty and I refuse to never make it out .

@itsanna.k

4 жыл бұрын

🗣🗣

@biancalord488

3 жыл бұрын

How is your savings to the American dream going

@tacitthoughts

2 жыл бұрын

Me too…hopefully in the next year

@bnepaul9268

Жыл бұрын

Amen to that brother

I racked up over $9,000 in Uber money and put no less than $6200 towards old bills on my credit report over 4 months.

I see that this video was posted a year ago. I just watched it, and found it very informative and helpful. Thanks!

@ShaheedahHill

3 жыл бұрын

Glad it was helpful!

People live beyond their means. That's part of the problem.

Really needed this. Thank you! My husband and I just got married and are looking at houses. I'm really bad at saving but the end goal is in mind! Can't wait to make it a reality.

@ShaheedahHill

3 жыл бұрын

Glad it was helpful! Congratulations on your marriage

Atlanta was so beautiful, so many trees!!! Only flew in and stayed with in-laws in Macon. Also beautiful. (California girl here) The homes there were all so amazing.

I really appreciate your thorough explanation of the process of preparing to buy a home. I have watched three videos so far and have learned so much. Thank you.

@ShaheedahHill

3 жыл бұрын

Awesome! Thank you!

Thank you for the video. And all the tips. I see myself walking thru the doors of my own🏡

@ShaheedahHill

4 жыл бұрын

Thanks for watching and stay focused and you can achieve it for sure.

You're realistic and speak with clarity. Have a great holiday ✊🏾🦌💃🏽

@ShaheedahHill

3 жыл бұрын

You too, happy holidays!

Thanks for the info Queen. Keep that 🔥🔥🔥 coming!

@confidentlyclosedatlanta

4 жыл бұрын

Thank you for watching!

@ShaheedahHill

4 жыл бұрын

Thanks for watching!

I just started saving for my down payment and want to save 20%. I appreciate your video.

@ShaheedahHill

4 жыл бұрын

That's great and thanks for watching. 20% will help you avoid mortgage insurance, so check that budget twice and make it happen.

@sdanzey6441

3 жыл бұрын

$19,000 to go this second job will get me there!

You’re amazing!!! Thank you, thank you, thank you!!!! Almost 40 and first time home buyer. I’ve been really lucky to never have had to event rent a place to live so I’m totally clueless about all of this. Not anymore though thanks to you 😁🙏🏽🙌🏽 Wishing you so many blessings for all your help ❤️

@ShaheedahHill

2 жыл бұрын

You are so welcome, excited for you to begin the process.

I am so glad I found your videos. I am looking to purchase my first home in California. Through research I decided a townhouse will best fit my needs. I have the down payment saved, and I was in the process of finding a place I love, but the economy is tanking I am so stressed out. My job is secure but who really knows.

@ShaheedahHill

4 жыл бұрын

Be patient and continue to save, the economy will get back slowly as they get this virus under control.

I thought I’m doing spending freeze but your video is at diff level. Excellent i lesson . I’ll start following your videos now

@ShaheedahHill

3 жыл бұрын

Thank you for watching!

Thank you for all your time, your knowledge and advice.

@ShaheedahHill

Жыл бұрын

Thanks for watching!

This is great advice!! Thank you for this info, sis!! 👏🏾👏🏾👏🏾

@ShaheedahHill

2 жыл бұрын

Glad it was helpful, thank you for watching.

Yess !! Perhaps or maybe not but in this case I think that's the best way to save up four any down payment that u can invest with any payment of your own and mostly with cars down payment rather then spending more money

Thank you for the advice. Well done. Very practical.

@ShaheedahHill

3 жыл бұрын

Glad it was helpful!

Sis lol you came to get me all the way together 😂 . I appreciate it tho lol spending freeze all 2020 I'm going to start in June

@ShaheedahHill

4 жыл бұрын

Yes, a spending freeze can be good....with a quarantine it forced all of us to spend less because everything was closed.😂

I appreciate you so much! Thank you for sharing 👍🏾

@ShaheedahHill

4 жыл бұрын

You are so welcome

U have the best videos! Like seriously! Best video on KZread The tax withholdings i wouldn’t recommend lol I tried that and i ended up paying the IRS $1800 luckily i played with the numbers and got it down to $897 but either way i had to pay it and i paid it up front so no interest would accrue

@ShaheedahHill

4 жыл бұрын

Thank you and thanks for sharing!

Great Video! Very detailed and helpful.

@ShaheedahHill

2 жыл бұрын

Thanks for watching!

Due to quarantine I can't fit into the clothes I got. 😮

@leemao6665

3 жыл бұрын

🤣🤣

I wish you were in the Midwest, I need a realtor like you!!

You are very sharp, and I am so impressed with the knowledge you haveI will be looking for a house. Sometime this year before my lease is up in September. I would love to meet with you to get it all my documents in place. At this point I am paying down my credit cards and saving for my down payment.

@ShaheedahHill

4 жыл бұрын

Definitely, call or email me anytime and set up a consult and I have workshops scheduled in March and April as well. Email me if you would like to attend. Thank you for watching.

Great ideas and tips. Thank you.

@ShaheedahHill

3 жыл бұрын

Thank you for watching!

Yup. Those small purchases add up. I was swiping my bank card at the vending machine at school and work. Honey chile! I spent almost $30 in 1 month 😕

@ShaheedahHill

4 жыл бұрын

Yes they do, real quick😀

Appreciate your videos. I am doing research into the home buying process hoping to be purchasing one by the middle of next year.

@ShaheedahHill

4 ай бұрын

@keyascott2800 Thank you for watching

Great information.

@ShaheedahHill

4 жыл бұрын

Thank you!

Very helpful. Thanks.

@ShaheedahHill

2 жыл бұрын

Thanks for watching

Very informative thank you 😊

@ShaheedahHill

3 жыл бұрын

Thanks for watching

Great tips thank you for sharing ⭐️🤗😘

@ShaheedahHill

3 жыл бұрын

Thanks for watching!

I am currently saving for a down payment and will soon pay off my credit card debt ( thank the stars). I am a recent graduate and now want to take the next step and get a house. So far, I have been building my savings, tracking my spend cent by cent, paying off my credit card, and allocating money for various expenses outside of my regular bills. I would be a first time homebuyer and I pray soon all will fall into place. Again, thanks so much!

@ShaheedahHill

3 жыл бұрын

Thank you and best of luck!

Great videos!

@ShaheedahHill

4 жыл бұрын

Thank you and thank you for watching!

Great advice. All of this information are compliments to the Dave Ramsey system.

Thanks for what you do

@ShaheedahHill

2 жыл бұрын

My pleasure!

Great info

Thank you for the information

@ShaheedahHill

4 жыл бұрын

Thank you for watching!

good job 👏

Saving up for a down payment as well speak! Thanks for the video!?

@ShaheedahHill

4 жыл бұрын

Thank you for watching!

Excellent content! Hope to work with you in the near future.

@ShaheedahHill

3 жыл бұрын

I hope so too! Thank you

I'm convinced I've managed to make Jeff Bezos a billionaire. That's why I can't save lol😂😂🤩

@ShaheedahHill

3 жыл бұрын

Yes, spending freeze!

You are so gorgeous! I love your videos!

@ShaheedahHill

3 жыл бұрын

Thank you so much!!

If your not looking to buy in a couple of years maybe look into bond index etf to park your money. You'll receive face value of your loan after the maturity date plus interest payments from the borrower between 3 to 5%. A month with which you could reinvest.

Hi. How are you? I love your info videos!! Can you please give us some advice on buying a first home as a uber/lyft driver full-time? Thank you 😊

@ShaheedahHill

3 жыл бұрын

Keep good records and maybe work with an accountant to document your income over a 2 year time period. Since you are self employed they will look at you income closely and verify using tax returns, bank statements, 1099s. Watch my Pre-approval video, we talk about this.

@alexxatham8981

3 жыл бұрын

Thank you.

How about pension loans allowable by employer? Is this looked down by lenders or is it okay to use? Would they count this against debt to income ratio even though is taken from pretax earnings and is paid back to your pension?

I tell people about spending freeze and they say oh I can't do that because xyz. They underestimate how much you save.

@ShaheedahHill

Жыл бұрын

Thanks for watching!

Thank you for saying something about Georgia dream home I didn’t know anything about that are there any other loans or helpful information that can help first time home owner with buying a home ???

@ShaheedahHill

3 жыл бұрын

I have a video about best down payment assistance programs in every state, you can use that to find the programs in Georgia. Thanks for watching!

I hate it whenever someone says get less taxes out of your paycheck. I am not rich yet! It is forced savings to have a huge refund!

@ShaheedahHill

2 жыл бұрын

Why would you give them more money than you have to each month just to get a refund at the end. You are giving the government and interest free loan for 12 months. If you are consistently getting large refunds, get your money now. If you want to force yourself to save to an automatice withdrawl for that amount into a savings account each month.

@Rosetteismyname

2 жыл бұрын

@@ShaheedahHill If you are going to spend the money vs forced savings and pay extra taxes. I would rather pay extra taxes all year bc I have the discipline to save a huge check. But small amounts get spent That's WHY. Others might do it for the same reason

Tax withholding option-Clever idea!

@ShaheedahHill

3 жыл бұрын

Thanks !

When selling things during the saving process, how would we be able to justify that extra cash to an underwriter perhaps? Since most things are sold in cash or online We are currently under contract and wanna continue to save up as much as we can up until July

@Vegoonery

Жыл бұрын

Use the cash from selling for groceries, car repairs, doctor appointments, etc....and save the equivalent amount from your paycheck or checking account.

I''m not sure if this is bad but I'm putting money on my credit card for groceries and all just to put aside more money towards my down payment, especially since I'm living with family and don't have to pay utilities or bills aside from groceries and my car payment.

@ShaheedahHill

3 жыл бұрын

If you are increasing your credit card debt that will likely increase your debt to income ratio. Calculate that to make sure it is not impacting your negatively. I have a video called, "Can you afford a House" that will help you calculate that.

@warmheartsandmelodicdreams705

3 жыл бұрын

@@ShaheedahHill Thank you!

Thanks to Covid-19 Work from Home structure, my work clothes will last me another 5 years haha!

Mayonnaise sandwiches here I come🙇🏽‍♀️....Thank you💕

@ShaheedahHill

3 жыл бұрын

Maybe PB&J😂

Do u have a link to the scooter company

@ShaheedahHill

Жыл бұрын

Here is one of them, I did this video a while ago. I need to update with some new ideas. lime.bike/juicer

if the stimulus 2 bill passes, can i use that for a down payment? 8)

@ShaheedahHill

4 жыл бұрын

You can, but I wouldn't count on that passing. Continue to save on your own and if that does pass that will be extra.

@pamilton69

3 жыл бұрын

I saved 2 of my stimulus checks & my tax money. That's going towards my housing costs

Girl, you called me out. I frequent chickfila

@ShaheedahHill

2 жыл бұрын

The are so quick and convenient - but avoid those double drive thrus😂

Well I’m doing it all by myself. So it may take me little longer. Lol

Ugh please explain to my teenager we are on a "spending freeze"

@ShaheedahHill

2 жыл бұрын

YES😀

What is the name of the company to charge scooters?

@ShaheedahHill

4 жыл бұрын

This is a popular one in Atlanta. chargers.bird.co/join

@crystalynnletts1420

4 жыл бұрын

@@ShaheedahHill Thank you Soo much and will be calling you real soon.

Are you open to mentoring?

@ShaheedahHill

3 жыл бұрын

Are you an agent or a home buyer?

@kuvisuals

3 жыл бұрын

@@ShaheedahHill I will purchasing my first home at the end of this year/beginning of next year. But I am currently enrolled in real estate school

Sell everything and live in a homemade shelter.