Girl, I’m 35 and still rent. I save 50-60% of my salary/bonus. Totally agree that renting isn’t a waste of money. I live here! Lol

@PersonalFinancewithLeila

Жыл бұрын

Yess! Exactly, I live here!

@kathrinscharrer3923

Жыл бұрын

Renting is the future. I would say more, renting like in Vienna is the future. A very conservative country whose capital city has a very communist housing policy. Works!

@onepetalleft

Жыл бұрын

My spouse (40) and I (36) are actually looking at selling our house and going back to renting. Partly, this is because we seem to want to move too often for home ownership to be a good financial idea. But it’s also because we’re finding that we just don’t enjoy all the maintenance and upkeep, and it sucks up a ton of our money - money that could be going to additional retirement savings or travel instead. Also, walk-ability is really important to us, and it’s just way easier to find an apartment in a super walkable neighborhood. Home ownership is great, if it’ll actually bring you joy. But I question the idea that it’s always the better choice, for everyone.

@zacharysherry2910

Жыл бұрын

Girl I'm 36

@daviddaviedavidson

Жыл бұрын

50-60 % 🥳

I'm so soo excited for 2023! I think it will be a much better financial year for myself. I am thinking of doing a low buy for 2023. I still have certain categories I have to build a good foundation for (lol mainly my hair, I have super curly hair and am trying to find the products that work for it). It's helpful to see how other people organize their annual budget especially since this is the first year I am thinking of my fiances in more of a present moment/future moments. Hope you feel better soon!!

You r killin it. Ready to work on 2023.

Just came across your channel, love your approach and down to earth / realistic goals!

'Dog Support' definately gave me a chuckle. Lol love how you broke every catagory down and simplified everything.

@PersonalFinancewithLeila

Жыл бұрын

Lol still have to contribute 😂 Thank you!

Thank You for sharing.

Awesome work on these categories! Hope you feel better!

@PersonalFinancewithLeila

Жыл бұрын

Thank you!!

Thank you for this inspiration

I’m so glad I found your channel! I love that you take a reasonable approach to budgeting. Never thought about a massage subscription. I usually get 7-10 massages per year. It’s such a good way to treat yourself. Maybe now I need to look into these fun IVs you speak of!

@PersonalFinancewithLeila

Жыл бұрын

Thank you for being here! I love massages so i decided it was time to get one regularly. The subscription costs me $100/month for a 2 hour massage so I think it's a great deal. And yes for the IVs I go to a place called The Drip Bar but I'm not sure if they're nationwide!

A lot of legwork and thought went into prepping for the year. You seem to really have dialed this in! Love it! It's so helpful to see you budget as I try to find a firmer footing with my own budgeting. Merry Christmas!!

I'm just now listening to the ChooseFI episode 417 year end wins 2022 podcast in the background while working on my year-end spreadsheets. I hear my net worth increased from $600 to $25K, blah blah blah, I've got side hustles and two youtube channels, blah blah blah, and I got a Salesforce job this year thanks to the TalentStacker program, blah blah blah. It's still in the background for me. Then Brad reads, I used to be a microbiologist. BAZINGA! it must be Leila. So I rewind back to time @20:03 and listen to the next two minutes all about your 2022 wins. Congratulations. They challenged you to write back at the end of 2023 with your new progress.

@PersonalFinancewithLeila

Жыл бұрын

Yay!! Awesome! ☺️😂 I wasn't sure if my accomplishments would make it in the podcast since I'm sure they get so many. It's always my favorite episodes to listen to!

Loved this!

SO EXCITED FOR THIS VIDEO! Hope you feel better soon! Great year girl. I am so happy I discovered your channel this year!

Definitely wanna do this for 2023 please God. I have some pretty big goals so I'll need to stay on top of things to achieve them. Great video. Hope u have an amazing trip💞

@PersonalFinancewithLeila

Жыл бұрын

Thank you Jaela!

I went to FinCon this year and it was amazing! Met so many new personal finance friends. As a new sub of your channel, it's been great watching you hit your financial goals. I'll be adding that as a line item in my budget for next year too. Hope to see you at Fincon 2023. ☺ If it's your first year going to FinCon, you can apply for the scholarship. That's how I was able to go, and it was extremely helpful!

@Roadmappingtofi

Жыл бұрын

I've always wanted to go, thank you for sharing this. I plan on applying when the time comes.

When you said Stone Mountain parking pass....I perked up. I live in Lilburn and am at the mountain several times a week. Love it. Happy New Year!

@PersonalFinancewithLeila

Жыл бұрын

Awesome!! 😊 Happy New Year!

@iamashleylbrown

Жыл бұрын

Ha! I did too! Love when youtubers are local! 😊

I agree with renting in these times for sure but the problem with continuous renewals is that the apartment owners usually increase rents 5-15% annually. If your raise isn’t moving in that direction at least in real gains compared to the rent it might be smarter to buy a home that will ensure the same mortgage payment. This is especially important for you and your taxes as you use a portion of your living space for your KZread channel, which hopefully you have an LLC or some sort of business licensing. Obviously I don’t know all the details of your finances but you do and have to make best decisions for yourself. Wishing you the best! ❤

I agree with you on the whole renting vs owning debate. It’s getting ridiculous! At the end of the day, Having the funds to provide a roof over your head is not a waste.

Keep pushing Lelia! So excited for you to be debt free this upcoming year! I’m going to save as much as I can for my student loans and make as big of a dent as I can before forbearance ends. The forbearance has been such a blessing to get ahead in paying off my student loans. It has saved me years of payments I otherwise would have had to make.

@PersonalFinancewithLeila

Жыл бұрын

Thank you Rachael! It's crazy to think of how much the forbearance has saved me in interest, I used to pay thousands a year in interest!

I really enjoyed this video . Just subscribed to your channel

@PersonalFinancewithLeila

Жыл бұрын

Thank you Valerie! ☺️❤️

Hi Leila- your channel and other financial channels has been inspirational and support for my own personal financial journey 🙏🏽 When you mention Beltline in Atlanta, what is that? I’m planning a trip there, do you have any recommendations? For fun Iv, what is the the term for it if I was to google it? Thank you! ❤

Been waiting for this video! Idk why I feel like I have to see your plans before I make my own lol 😭🤦🏾‍♀️ .. where’s the mint mobile link???

Great to see how your budgeting and spending looks for 2023🎉

Looking forward to following your updates in 2023 especially the low spend because I'm trying to do the same.

@PersonalFinancewithLeila

Жыл бұрын

Awesome, thank you!!

You are on fire girl! Can't wait to see you hit being Debt Free! I know you have been working so hard on it and 2023 is going to be your year for sure!

@PersonalFinancewithLeila

Жыл бұрын

Thank you so much! ☺️

SO excited to see you become debt free in 2023!🎉

@PersonalFinancewithLeila

Жыл бұрын

Thank you Rebecca! Me too!!

I have my eye on the Venture X as well, that 2% back on everyday spend is appealing plus I travel a ton. Going over my 2023 annual budget now too, so this was helpful to make sure I didn't forget anything!

@PersonalFinancewithLeila

Жыл бұрын

So far I like the card a lot! You also get access to a lot of airport lounges which is a nice perk

@georgina4874

Жыл бұрын

You should use Leila's link so that you noth get the bonus!💕💕💕

@athenaabarnes

Жыл бұрын

@@georgina4874 Oh yeah! I will when I apply later in the year.

Can you please tell me about Mint and how much you like it or which company would you suggest??

Thank you for your organization and inspiration. I wonder do you have an Impact 100 in your area?

@PersonalFinancewithLeila

Жыл бұрын

Thank you! I just looked it up and it looks like there is in Atlanta yes

@TheImperfectReader

Жыл бұрын

@@PersonalFinancewithLeila please consider joining instead of donating here and there use your $1k donation in one place that can make a larger impact in your local community. :)

Come on, you’re rich!! I could live like a queen with your budget, and get procedures done I desperately need!!

Hey, it’s 2024 now, how are you doing financially? Did you realize your goals and still live nice? Did you stay in your apartment?

Congrats on becoming debt free and you should absolutely celebrate turning 30! Any ideas on where you want to go to celebrate? Enjoyed the video and the detailed budget breakdown.

Student loan payoff-when you get close, most times Ed finance will offer a deal. Your credit score will go through the roof when you finally pay it off. Watch out because every credit company under the sun will offer you great deals:. Renting is cost effective in many ways and you don’t have to pay for the repairs and don’t have to deal with taxes which really suck!!

Great plan! How do you not use heat though?

@PersonalFinancewithLeila

Жыл бұрын

My apartment stays pretty warm in the winter months. I'm on the 3rd floor so maybe the insulation around from other apartments helps? Also, when the sun is out it helps to warm it up!

Great budget! ❤️ I love to support you but listening through 5 commercials is tough!! 🥴

@PersonalFinancewithLeila

Жыл бұрын

Thanks Cecilia! Apologies for the ads, I always just let KZread place them automatically and sometimes it's a ton. I hope you understand it helps my income a ton though!

Thank you so much for sharing your goals. Seeing the numbers is so helpful and inspirational!!!! Im cheering you on for 2023!❤

@PersonalFinancewithLeila

Жыл бұрын

Thank you!!

Hope you feel better! 🙏🙏👍👍

OMG I wanna do this too! Def gonna work on it. Also thanks for the Spotify tip??? How did I not know about this before!!!!

@PersonalFinancewithLeila

Жыл бұрын

Yay!! And yes the Spotify gift card is awesome!

Congratulations on being such a smart, together, savvy young woman - definitely negotiate a raise @work!

@PersonalFinancewithLeila

Жыл бұрын

Thank you!! ❤️

Does this help with being impulsive😅

Please share your Tarot reading experience with us!

I wounded how will mint mobile work out of the US. Now that you will travel.

@PersonalFinancewithLeila

Жыл бұрын

I don't plan on paying for international roaming so I'll just be using wi-fi when I can. So unfortunately I don't think I'll be able to give great feedback on that!

I cancelled my T-Mobile($80/month) and got boost mobile which is only $100/year! :)

@PersonalFinancewithLeila

Жыл бұрын

Wow that's a great deal!! How is the coverage?

@Arabian_Abomination

Жыл бұрын

@@PersonalFinancewithLeila it’s absolutely great. Unlimited calls and texts but just 1 GB of data but idk since I have excellent Wi-Fi at home and work so I don’t need unlimited data. Boost also has a plan for unlimited data but that’s $25/month. Small sacrifice to pay but I’m saving $80/month which I’m so grateful for

Shouts out to the CPA, there the real one. You have their info?

Do you have to pay for health insurance? That is my second highest monthly cost and it’s so expensive.

@PersonalFinancewithLeila

Жыл бұрын

For the plan I selected for 2024 my company pays 95% of my plan so I'll be paying about $35/month for my insurance!

My ears lit up, I buy a Stone Mountain pass too

@PersonalFinancewithLeila

10 ай бұрын

Georgia 🙌🏻 Also from your KZread name...I am also vegan! 😊

Wait can you explain the Spotify gift card. Was it cheaper because of deals from the holidays?

@PersonalFinancewithLeila

Жыл бұрын

Nope it's always $99! There is a gift card for $99 on Amazon (I've got it on Walmart too) which is good for 12 months of Spotify!

@OmarEwert

Жыл бұрын

TY so much

New subscriber and I'm so excited to watch all your previous videos to get me ready for 2023 🫡

@PersonalFinancewithLeila

Жыл бұрын

Thank you for being here!! ☺️❤️

@yuliabrynskikh262

Жыл бұрын

Hehehe hello Tony is a kid and I type and I'm 7

I do give you credit in that you’re just starting your 30’s and your plans are pretty solid. Please get a separate contingency account that is not in the bank. Get some gold and some silver also. Put these things in a safe place. Please, just do it. Don’t tell anyone. Also maybe a couple guns and extra ammo, some non perishable food items-food shortages are coming. Govt is ruining the farms! So anything above what you’ve shown seems good, just keep in mind that anything can happen. Stay on course and you should be solid by your mid 30’s which puts you ahead of your peer group.

You can call Geico & ask them for a low mileage discount because you don’t drive to work…..

@PersonalFinancewithLeila

Жыл бұрын

I'll definitely try that!

I'd love to go to FinCon, sounds like such an incredible experience!

You're blowing up. This budget/spend plan video has 2K views in 10 hours. Your recent no/low spend video has 19K views. Your recent money goals video has 5.9K views. A year ago your videos often did not ever get 2K views. Hopefully you are able to monetize this new attention.

@PersonalFinancewithLeila

Жыл бұрын

December always brings in the most views so it's usually temporary but yeah I'm happy to see my subscriber count going up!

@terrygoldman572

Жыл бұрын

​@@PersonalFinancewithLeila I'm just now listening to the ChooseFI episode 417 year end wins 2022 podcast in the background while working on my year-end spreadsheets. I hear my net worth increased from $600 to $25K, blah blah blah, I've got side hustles and two youtube channels, blah blah blah, and I got a Salesforce job this year thanks to the TalentStacker program, blah blah blah. It's still in the background for me. Then Brad reads, I used to be a microbiologist. BAZINGA! it must be Leila. So I rewind back to time @20:03 and listen to the next two minutes all about your 2022 wins. Congratulations. They challenged you to write back at the end of 2023 with your new progress.

Excellent video. You are so analytical and realistic about your timelines. I really like how you take responsibility for your student loans and aren’t entitled or angry at your employer or landlord or “evil corporations” for your situation. You take responsibility for your life. Refreshing.

@PersonalFinancewithLeila

Жыл бұрын

Thank you so much! ❤️

Would you ever move back in with parents just to save more money?

@PersonalFinancewithLeila

10 ай бұрын

No unless I absolutely had to!

I need a financial coach can you help me please.

@PersonalFinancewithLeila

Жыл бұрын

Check out my coaching info! Debtoverit.com/coaching I'll be traveling the rest of the year, but I'll get back to you in the new year if you apply!

No way you haven’t used the heat these past two days 😅😭😭

@PersonalFinancewithLeila

Жыл бұрын

😂😂 luckily I was traveling so I wasn't home but my apartment stays in the 60s range even if it's freezing outside!

Do you spend money 💰🤑 for gym or whatever

@PersonalFinancewithLeila

Жыл бұрын

I go to my apartment gym! It has a squat rack, cable machine, free weights, etc so it works for now!

@yuliabrynskikh262

Жыл бұрын

@@PersonalFinancewithLeila thanks for replying to my 7yo son, we were watching your video together and discussing your budget 🙂 and he wanted to write a comment

We pay 12$ for car wash this is Tony again hehehehehe

@PersonalFinancewithLeila

Жыл бұрын

Hi Tony!

I was using Geico and they wanted to raise my 6 month by $300! I called and got no here so I ended up switching.

@PersonalFinancewithLeila

Жыл бұрын

Ughhh no I feel like they might do that 😩 who did you end up switching to?

@crystalramirezmoreno9190

Жыл бұрын

geico did the same to us! we found the exact same coverage with state farm and they gave us a discount for paying for the entire year up front. i know not everyone can do that but it’s another way to save a few bucks!

@EmsFitVenture

Жыл бұрын

I ended up going with a year of Progressive for about what I was paying or a little cheaper by month. If your company has any kind of coupon market or discount thing check through that.

$99 dollars a month??? With out access to coupons cuz cheap government phone won’t let me access some of the good apps for sales and digital coupons. I have no transaportation to get around from store to store, I live on Indian land/reservation, there’s not much here as far as stores, housing is expensive and not very nice and there’s not much choice. Prices are more expensive here than off land in stores like Dollar General and Sav A Lot, all the cheap stores charge about $1 more compared to other towns. You have to pay for garbage pickup which the cheapest place my roommate found charges $50 a month which is ridiculous, he says he usually only has 2 bags a month and is paying $50! That’s crazy. WiFi is expensive and you have to have cable in order for that to work and you have no choice of company. There’s so much crap that makes living hard for poor people. It’s not right.

Very smart! A home can be the worst decision if it doesn’t fit the plan.