I remember these days. I still dont make alot but i never ever want to go back to being behind on bills. Everyone has dark times. For those going thru it, keep going, things will get better. Dont be afraid to ask for help before things get too bad. Its the smart thing to do. I think im obsessed with saving because i am deathly afraid of ever feeling that way again. Sending love and prayers to all thouse going thru tough times financially or otherwise ❤❤

the car payments are way too high plus insurance . she needs to sell the cars and drive a beater eat beans and rice for a a year and make some deep cuts

Great advise! I love how you say you can't blame anyone/anything but yourself! It's so true

Experian afterward equifax faxes

Here’s the trick that I find to work. Instead of putting your cash into a savings account that is easy access to use for bs spending, give cash to your spouse/partner that you KNOW won’t spend the cash. Have them put it in the secret spot. Don’t even ask how much they have saved. I was shocked with the amount we saved.

These people are in survival mode, or darn well need to be. Screw the payday loans. They are unsecured. Try to sell the cars, or trade them in for cheaper payments and cheaper cars. If they give those cars back to the bank they will be sued in court for the balance. Above all they need to get their income up somehow. Change jobs

Train your taste buds to drink home coffee. Majority of the coffees taste the same, it’s the creams that change it up to her liking. Unless she drinks it black. But still she should leave to make coffee at home

If she sells her car, she’ll have enough to pay off pretty much all her debts and still have enough to buy a hooptie car.

I am a new subscriber

I’m a Bella bee. So happy I found you on KZbin. I’ve not had to worry about not having money for bills for at least a year. If I get picked can I get the savings binder please?

This is a great reminder Thank you 😊 ❤

Those car payments and insurance is absolutely ridiculous.

Have 100% interest on loans but wanting to spend thousands on a birthday party? Smh

Did i miss what bill Andrew pays? Here has a BS fund snd she buys the groceries?

Awesome advice as alway. Thank you.🙏👀 17:47

I like these videos. They're a great reminder that we are all one or two unfortunate situations away from going back to struggling.

I’m a Bella bee!

Idk I think the advice at 13:40 isn’t very good. You can still learn to budget with a consolidation or a balance transfer. even if she just BTs the capital one cards she could save her monthly minimums for her SFs.

Even though I am too late for the give away, I am a Bella Bee! Yours is the first budgeting/savings channel that I found a few months ago. I love your games and free-bees 🐝 I bought a Bella Taylor wallet after hearing you talk about it! I love it!! Thank you so much for all of your hard work on your games and savings challenges! It’s fun and interesting to watch your videos and I love the true budget stories!!

Everything that you said at the beginning of your video had happened to us except for getting a car repossessed. Those were some dark days that’s for sure. We were living paycheck to paycheck, and no savings. Behind on everything, NSF notices from the bank, the phone constantly ringing! It was so bad! It took time but we were finally able to get on our feet. I vowed that we would never be in that position again! The stress was just too overwhelming!

I've seen quite a few people say they have a $1000 emergency fund, I hope they can increase it dramatically because it is not nearly enough. Most emergencies cost a lot more than that, and what if you have more than one back to back! I'm enjoying the channel! Thank you.

Love your videos. And printables

You guys can do it!!! If you both work hard you can improve the situation, but those car payments are crazy. I think people need to be more realistic when it comes to cars especially, when your finances are not in order you should definitely buy much less costly cars. Having a considerable savings gives you freedom and a piece of mind that no car ever can!

I was over $20000.00 in dept behind in rent I got out of dept with in one year

Hard truths . Really love how clear and straight forward you are when communicating on each subject!!! ❤ thank you for this video and honesty

Since I'm single & grown kids, I've can bare bones: house, car payment, work gas, phone (required to clocking at work) & car insurance. Then electric ..

Thanks for sharing

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I never told my SIL about Bella Taylor wallets, but she got me one for Christmas last year and I love it.

Thanks ❤❤

Thanks ❤❤❤

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"Did you just hate on me?" was too funny 😂😂😂 I do love the advice though ❤

❤ good evening how are you doing today ❤

“I am a Bella Bee” thank you for everything you do 😊

Do you sell that binder on your Etsy page

Yes when I was living in South Dakota, my kids came home from the two kids did from the Bible study and they thought I wasn’t home. I was there all right. The man came and told my car away for I missed one payment and I was waiting for my husband to send the check for my car and for the rent, it was late. They just took it away. They didn’t care if I was late and never got that car back. It was actually kind of embarrassing. My two kids came home and they thought that I wasn’t home and I was there, but the car was gone through that had to take the bus to work, my kids are grown and my husband passed away and I’m living by myself so if I screw it up is my fault love your channel❤

Amen to all your advice!! I know a couple of people this will help Right Now!!

Thanks Jenn for the great information.

Thank you❤❤

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Great video and advice.

Always so helpful!💚😇💚