Also, great job on the $1 tax refund. That speaks volumes of how great you and your CPA is at estimating and paying your quarterly taxes! I don't see it as a bad thing that you've never received a tax refund. That means you were able to hold onto more cash instead of giving the government an interest free loan.

Maybe it’s just me but... I hate the ‘premiering’ videos on YT. I get so excited to see content and then realize it’s not even available yet. Bummer. Anyway, I’ll check back later to watch :) love your vids Aja!

@ykook7000

4 жыл бұрын

YES same especially when lm on the other side of the world ...and the premier time is 3AM...err no thanks...😪😴

@joymae

4 жыл бұрын

I know, I have tried it on my videos and it doesn't really work well for my audience so i think I will stop. Thanks for sharing your opinion about the topic!

@AjaDang

4 жыл бұрын

I enjoy doing them for financial videos because we can chat together about the episode live but if the consensus is that no body likes premiere videos then I can stop

@agirlwithajournal

4 жыл бұрын

@@AjaDang I think it makes me more aware that there will be a video but I am also frustrated if I am too early.

@AjaDang

4 жыл бұрын

@@agirlwithajournal maybe if I set the premiere just a couple minutes before the live time instead of the night before?

I'm glad to hear that you are saving money to protect yourself in case of a breakup. No one wants to brake up (while in a good relationship of course), but one of the worst situations you could be in is when you can't afford to break up. Good job! And frame that 1$, that is some accurate tax-payment.

This premiere thing always disappoints me as I get excited to watch a new video then I have to wait.

You’ve had a very rough month! 😔 hang in there hun, you’re on top of your finances so at least you know you’re doing all you can money wise. I’ve been very anxious during this all and really sometimes being a couch potato and cuddling with ur man does wonders 🙃 you’re not alone, there’s this quote I read and it went something like everything will be okay in the end, if it’s not okay, it’s not the end ❤️ we’re all a bit overwhelmed at the moment, take it day by day and try not to focus too much on the things you have no control over, who knows, maybe those businesses will start up again after this is over 😊😘 lots of love, Kira

I'm so sorry to hear about your Grandma Aja. Grandparents are so special and it's always so sad when they have to leave us. I'm happy that you were able to see her. Much love from Canada!

I’m so sorry your family had to go through losing your grandma during this time. I’m glad you were still able to say goodbye to her❤️

I’m sorry for your loss and what you’ve gone through overall. We keep supporting a mom and pop Chinese food restaurant because of you. I kept recommending it to my mom. They were struggling so much at first due to panic and we went yesterday and they had a socially distanced line out the door. ❤️

I really appreciate how candid you are about things! Shit is tough right now and it’s very refreshing that you’re not pretending that it is.

I’m sorry for your loss and tough month, Aja. But can’t wait for the new budget series coming up 💕!! So excited

Jesus, so sorry to hear about your grandma - you literally just mentioned her in one of your videos. Thank goodness you were able to go to the funeral

Really sorry to hear about your Grandmother ❤️ I’m about 1/3 of the way with my emergency fund, and I believe I can get it all done in the next 6 months which is exciting!

Omg Aja, I am heartbroken at hearing the news of your grandmother's passing!!! Sending you so much love during this time. You're an amazing person and I'm sure your gma and mother were grateful that you said goodbye.

Watching now! I think setting the premier at a later date is a great idea!! - so sorry for your loss. 💜

Stay strong aja 💛💛 you are doing amazing. Thank you so much for sharing your month!! Appreciate you and your videos

I’m sorry to hear about the loss of your grandma. My grandma passed away in April as well and it’s just heartbreaking. Congratulations on your next financial goal (savings) 🥳

I would only consider Invisalign debt if I can’t pay it off in full if I wanted or I was being charged interest on it.

@africanlily6107

4 жыл бұрын

Ellie Bron Same is want to pay it in cash. I use to have braces but they neglected to tell my mom she should wait until my wisdom teeth came in but they told her with my other two siblings. Now my bottom teeth are crooked 🤦🏾‍♀️

My condolences for your loss, Aja. Your grandma is literally embedded in your DNA so you’ll always carry her with you. I pray your helped with strength during this hard time 💕 you’re doing amazing ❣️

I love these videos and how open and honest you are with us!

Another great budget review with you, albeit definitely filled with a lot of highs and lows. My condolences with the passing of your grandma, and I understand your discomfort/mixed feelings regarding that settlement check--there were definitely a lot of layers associated with that in the way you tried to explain it. But I'm really excited for this budget series you'll be doing with viewers! I'm definitely taking this time to make some great financial moves based on the conversation brought on by your journey, so it'll be great to see that happen with even more people.

So incredibly sorry to hear about your grandmother. Hope you're still staying safe and home!

So sorry about your grandma passing, glad you and your family were able to be there. 💕

I just love your videos. they are all so worth to watch and listen. Thank you so much for sharing your journey.

I love Aja's videos and listening to her voice.I feel inspired to do budget videos now ☺️

I love how real you are Aja. You're such an inspiration and I appreciate how you share and what you share. It shows your reliability and it's amazing. Keep doing what you're doing! Would love to be a part of that video

You got this Aja!! Keep up the good work 💪💪💪

your hair keep looking better and better, aja!

I'm so sorry for your loss. Thank you for your video!

Please keep doing this Aja! It inspires me in keeping myself financially in check 🥰❤️

I’m sorry to hear about your grandmother Aja. Thanks for the content during these times.

Hey Aja, my grandpa who has dementia passed yesterday. I totally understand and it's even more difficult having the virus restrictions. Condolences and prayers to you

Prayers for you and your family ♥️ I miss my grandma too.

I'm so sorry for everything you've been going through. Wishing you guys all the best. Stay safe and healthy the best you can.

My condolences to you and your family Aja!

I'm so grateful that you and your family had the opportunity to say goodbye to your grandmother. I'm so sorry for your loss.

I hope May will be a better month for you! And I agree about not categorizing Invisalign / Insurance as debt since those companies will never charge you interest. Even more the case with insurance since it's a constantly renewing bill, it's more like a utility.

Sorry for your lost💔 I lost my grandma last September, so I definitely understand your pain 🙏🏽

Hey Aja, I am so sorry about the tough month you have had. It's a bummer for sure to see places you love not be able to make it. I hope in some capacity they are able to rebuild later in life. I just had to take both my kitties to the vet this week as well. I empathize with that stressful situation for the first time now...made even more stressful by COVID. My vet was not allowing owners inside, so I had to wait in my car while they were being taken care of. We will get through this and I hope the upcoming months go much better for you. Sending hugs!

@AjaDang

4 жыл бұрын

that's what my vet did as well. Honestly didn't hate it - saved me $20 in parking.

my condolences to your family. 💕 you made my tear up. Grandmas are the best. it’s my gma’s bday today and i’m across the country.

@AjaDang

4 жыл бұрын

happy birthday to your gma

Looking forward to the videos with your viewers and their budgets. Hope some people are bold enough to do this with you. ❤️

Hoping May is a better month for you & hoping you’re getting some sleep. 💛

I'm so sorry for your grandma's loss. :( Love you!

Hey Aja! SO sorry to hear about your grandmother. Wishing you some peace as you grieve. Can you share how much the dog allergy test was? Excited for your new budget breakdown for a lucky viewer! Thanks for all your sharing on your channel. Lots of love to you

Oh Aja, I am so sorry about your grandma 💖

Your videos are super helpful ♥️ thank you Aja!!!

So sorry for your loss. At least you got to see her before she passed.

I am catching up on all the videos I missed and you mentioned the video series you had in mind about helping people budget! That's such a great idea. If I could suggest maybe if you want to also interview or feature people who already have a budget and a system that works for them? It'd be interesting to see how diff people find diff things that work for them. 💜 Please stay safe and healthy! I'm sorry 2020 hasn't been the best year for us.

My grandma also added away recently, sorry for your loss ♥

I'm so sorry about your grandmother ❤

Even if you want to consider the Invisalign as debt, unless you're charged interest or some fee for doing monthly payments I don't think it really matters.

Sending you warm wishes... my grammy just passed as well- not covid related. I'm very grateful because I also got to say goodbye.

My sincerest condolences for your great loss! Certainly tough to have to make these decisions during these unprecedented times. For your $1 tax refund check, I would suggest donating it to any of the funds for rent/food as a lot of families are struggling during this time. It's not a lot but every bit helps.

your hair looks sooo good! xo

your videos are so informative :) love watching your videos :)

Luke teetee'd in the Tesla 😯...I felt that...and my condolences to you and your family...

I love the idea of discussing different people's budgets. It can be a money diary series. Have you thought about comparing different budgets in different countries? For example, I live in the UK and my budget can be very different to a US resident's. The same levels of difference may apply to my family who lives in China. Personally, I love seeing the differences. By the way, I love your budget videos Aja! I have been following you for two years and I really do find your videos very empowering. Thank you and keep up the good work!

I am sorry to hear about your grandmother Aja...It must have been difficult. I hope that you and your family are doing well!

I would totally participate in the series of helping with the budget. Unfortunately I’m on my week and two days of unemployment. Thankfully I have enough saved for 2-3 months of monthly bills but my debt has been placed on hold.

Once in my 7 years of living in NYC, New York City refunded me $4 after taking out thousands (on top of state and federal taxes) 😂😂 made me think of that old commercial "I caught you a dollar!" Enjoy your $1 Aja!

I consider Invisalign debt because you owe money and it’s something that can either be paid in full or put into a payment plan. I had to get dentist work done last year and had to do a payment plan. That’s debt to me.

I love your videos. Not many people talk about finance so openly. I do agree that every woman should have savings or the ability to pay for things just in case they find themselves single. I never want to depend on another person's finances to make ends meet. I finally have a stable job, good income, and can make contributions to my student loans and pay for all my bills. I'm one payment away from getting rid of credit card debt. Feels good to be on the right track finally!

My granny passed away in January of this year :( sending you well wishes and love, Aja!

Maybe instead of calling it something like "April/May budget" you could call it your ""May budget check-in?"

@AjaDang

4 жыл бұрын

cute! I like it.

@keke7945

4 жыл бұрын

April review/May plan

Girl - your hair has gotten sooooo long! 😍 you are going to give Rapunzel a run for her money soon! 🙌🏻

@AjaDang

4 жыл бұрын

i knooowww. I'm actually ready to cut it haha

@KrnCrftn

4 жыл бұрын

@@AjaDang DO NOT!!!!!!!!!!!!!!!!!!!!!!

I actually got excited thinking it was the actual video! Don't play these games with me 😂 I guess I'll be back on 30 minutes!

@ihama99

4 жыл бұрын

🤭🤭🤭

I follow you on Instagram, I’m glad you got the chance to say goodbye to your grandmother. I’m so sorry for your loss.

I'm so sorry for your loss. Please don't feel guilty for traveling to see her.

Love the hairrr

Scan the check and make it into digital artwork? Like obviously photoshop sensitive information out but also add stuff or replace that info with something else. Like a political piece or a manifestation piece that one day, you'll get a bigger refund.

@AjaDang

4 жыл бұрын

dannnngggg that's a great idea

Sending lots and lots of love your way. I lost my popo in January of this year. 💔

Awesome video as always, reminded me to look at my finances today. I don’t consider Invisalign or medical treatment payment plans as debt, unless they are charging you interest. :)

So sorry to hear about your grandma

Maybe consider donating that check to a advocacy group? I understand it feels icky, but.. I feel you, no judgement with what ever you do with that money. Aja, your videos are really helping out a lot of us. Hopefully when I finish school, I can get the kind of money like you to not worry so much.

I would consider health insurance a monthly expense but any charges incurred that I am billed from dr visits or dental care/invisalign would be debt if on a payment plan

So sorry for your loss Aja. My mother-in-law is 104 and has dementia and no longer knows any of us anymore. She lives in an Assisted Living /Dementia unit and here in NYC she has been on lockdown since March and we not allowed into the facility. They zoom with us once a week so we can see her but she does not communicate with us. We have decided as a family that if she passes only my husband and I will attend the graveside service with only the Rabbi. It is too unsafe to have family travel from all over the country and we are not allowed to have gatherings of more than 10 people, even for funerals. They actually do Zoom funerals, who knew? Strange times that's for sure. Glad to see that you guys are healthy.

Historically can attest that I am a ghost viewer/subscriber. I love your videos though! But I work in development for a solar energy company, and part of my job is literally energy bill analysis. A good way to see if your utility bill savings is Arcadia or usage is to compare the kWh consumed on your bill this month compared to last few months! If they’re mostly the same or there is less than a 20% difference, it’s the Arcadia! Hope this helps ❤️

@AjaDang

4 жыл бұрын

cool! I'll definitely check that out. Thanks

I have Invisalign and since I’m doing a payment plan I consider it debt. If I paid it in full I wouldn’t but because it’s something I have to pay off over a period of time I do. I feel this is differentiated from insurances because it’s a tangible thing I’ve chosen to do for myself and doesn’t reduce costs if some thing health/vehicle related does come up in the future Interested to hear other people’s thoughts on this

That 1 doller is a first and a WIN just like being debt free. So I wood frame it 😄👏🏻 Just what to share my win, 30 April I got DEBT FREE 👏🏻👏🏻👏🏻 because I am in self isolation, I had no Champain, so I did a shot with my friend over the phone 😄 I sorry for your loss, sending you a big hug ❤️

So sorry for your loss. 😥

Renter's insurance... if you own a car, try getting a quote for renter's insurance through the same agent/insurance company. You will most likely qualify for a credit (for bundling insurance products) which will more than offset your renter's insurance premium (I know someone who did that and practically paid nothing for his). I don't drive and I live in NYC and only pay $150 for a year of renter's insurance ($500 deductible, $25K personal property, $20K-ish loss of use). The Loss of Use is what prompted me to purchase renter's insurance because if you can't live in your apartment (let's say, due to a fire or burst pipe that flooded the entire place), and you don't want to live in some emergency shelter... your emergency housing costs will add up quickly. Not to mention the cost of replacing everything... so... get that insurance! As for whether Invisalign is debt or not... I personal don't have any experience with it (even though I do want to get it, along with Lasik surgery) but I just don't have the money for it. I mean, I have the money for it, but that's my life savings and right now vanity isn't important enough to take a huge chunk of my savings for (because, for me, Lasik surgery and Invisalign would be for vanity, not health reasons). That said, I think it depends on how the payment structure is set up. If missing a payment could hurt your credit score or result in some sort of financial penalty and you don't have the finances to pay it all off up front, that sounds to me like it would qualify as "debt". For me, if I can spread something out into smaller, interest free payment, but I know I have enough funds to pay it off in full at any time, I don't consider it debt. I consider it just another regular "bill".

I have Invisalign and I do consider it debt. I owe a certain amount and a payment comes out of my account every month. If I quit paying my health insurance, nobody is coming after me. I just don’t have health insurance. If I quit paying my Invisalign, my credit gets screwed and they will come after me.

Aja be lookin like Lil Tay yo. You should flex with that $1 refund too! It's actually good that you don't get big tax refunds, because that means you are basically overpaying and giving the government an interest free loan until you receive your refund. As for emergency funds for your pets, I've come to believe that it's better to set money aside for if/when they need surgery or something else that is costly like that, rather than pay into a pet health insurance plan. My family was paying into such a plan for over 2 years and when it came time for our dog to have an eye surgery, the health insurance plan only would pay like 65-75% of the bill. We put in more than that over 2 years. So that's why I lean towards creating your own emergency pet fund vs paying into a pet health insurance plan.

My grandmother passed away to in March not covid related but we also had to travel from Ohio to North Carolina. At the time Ohio was already pretty shut down but luckily NC wasn’t yet.

Great video Aja! In terms of your dog I’m not sure if this can be your situation but there are certain plants that can cause negative effects on dogs so maybe that could be it? Also I am really sorry about your grandmother

My grandmother passed away in April too, we just had her cremation today. Remember the happy times, condolences.x

@bethallenia

4 жыл бұрын

boycieism sorry for your loss x

On another note, your hair is gorgeous in this video!

Sending you love & virtual flowers 💐

Buy yourself a $1 ice cream truck treat when that comes on by. LOL

For your $1, I'd say save and invested for laughs, but... Since times are as they are... Buy soap. or hand sanitizer. ;) Stay safe, Aja!

Love, love, love your content especially your budgeting related videos! But, I truly feel like your lifestyle & taste is similar to mine!

I would love to work with you on my budget plan!!! That’s like the DREAM because you’re such a pro at it, and I would love your advice!! Im signing up!

Frame the $1 like mr krabs

@elizabethramirez6528

4 жыл бұрын

yasss!!

@califodays8765

4 жыл бұрын

Agree! FRAME IT GIRL!!

Personally I'd consider Invisalign as either debt or an expensive purchase. From what I understand you can't stop the payment (if for example you lose all income), versus you should be able to stop health/car insurance if absolutely necessary (pay a couple of months and that's it). If you can pay Invisalign in full, then of course its not debt, just an expensive purchase. But if you lose your income and can't pay Invisalign what happens? If it goes to collections/or it has any impact on your financial history (i.e. credit score) then it's debt.

First time i’m ever early to an upload yeeyy !! I need to get my finances done, thank you for inspiring me to do so🦋💖

I need to learn more about this 🙃

I love what you did with your hair. What kind of highlights did you get girl?!

you manifested your cheque :) although i know its for a weird reason but glad you have the extra cushion

I love premiere videos. I love watching your videos. Invest your dollar. Lol jk but seriously, I do believe car insurance is debt and any kind of money owed to someone is debt. I believe that. I owe car insurance, car payments, credit card.

So sorry about your Grandma! May she rest in peace. I don't think Invisalign is a debt, if it's interest free payments. It's health expense in my opinion if you have the funds for it. Also maybe consider a car maintenance sinking fund? Idk if it's necessary because you did detailing one-time.

Lash lady!! lol it's needed-