8 BAD Money Habits That Kept Me Broke & How I Turned It Around 💸

[@Pandas0918]

This is timely. Literally sat down this AM to see where I am budget-wise. Ladies, please take this time to know where your money is going!

[@princesspink5944]

I make a list before grocery shopping with estimated prices for each item. This way I stay on budget and getting what I need.

[@BeautifulBrwnBabyDol]

@@princesspink5944 wonderful input!

[@anissahoward]

I did this recently and found that I saved more money! This is definitely what I'll be doing going forward

[@cece9604]

I have no choice but to do this I live pay check to paycheck

[@francesmelendez1303]

That is me. I also shop around, of course if you have a variety of grocery stores nearby it works. If you spend more gas than the saving is not worth it.

[@QueenGail]

I’m in my 70’s and I’m watching to see what I can learn from this beautiful baby (respectfully) Blessings 💜💚

[@pitbull4christ]

What I started doing this year in Jan is saving $1,000 a month for the entire year, for my vacation fund and an additional $200 a month towards my emergency fund. I then picked a country that I want to go to where my dollar will stretch further and go within the time where it will be less busy and inexpensive. After that, I take half of my vacation fund and put the other half into my emergency savings fund. So in total, I will saved $12,000 a year for my vacation fund, minus $6,000 of that to go into my emergency savings fund, plus I saved an additional $2,400 from my emergency savings fund, which gives me a total of $8,400 that I saved for the entire year, along with being able to go on a international vacation trip for the year. In all honesty, it takes discipline to save money and make sure that you understand basic economics of the “Need Vs Want” concept. That is what helped me to save money and budget well.

[@BeautifulBrwnBabyDol]

I love this sis! Thanks for sharing!

[@ShanaTalks]

Glad to see you put the majority away. A neat trick is even with that $6k , you can aim for a budget friendly trip. Then whatever is left over, goes to your next vacation. It’s a win win.

[@belizeanempress71]

I'm from Belize, it's beautiful, your US dollar will definitely stretch! 🇧🇿🏝

[@bargainbeauty7529]

Where you work at? 😁

[@pitbull4christ]

@@BeautifulBrwnBabyDol no worries my D9 Sis. I’m a guy by the way.

[@tamekadavis6641]

This message is giving grown woman attitude.❤❤❤

[@BeautifulBrwnBabyDol]

@@tamekadavis6641 ayyyyeeeeee! Let me know what else you want to see.

[@kimberly3837]

I rent books from the library instead of impulse buying on Amazon or Audible (where you accumulate but never read).

[@BrianaIsir]

Good one!! I need to do this

[@iampoetminor]

Absolutely! The library also have apps for audio books and movies.

[@rafiqah4106]

​@@iampoetminor yes! I recently got the Libby app and it has made a difference for me.

[@kimberlymartin459]

I've taken it to an whole new level. When I finish reading my library book. How much the book cost in retail, I stuff that amount in my jar I have specially for that reason. Money still stacking up... just have no idea what I'm going to do with it. Those $29 adds up quick😂😂

[@kimberlymartin459]

​@@iampoetminorI just found out that our library loan out music instruments. I was joking with the lady... "Do you loan out pianos?" She said, "YES... they have keyboards" Now I'm going to checkout a key board and learn on KZbin 😂😂😂

[@raylayaaaa]

I started getting in the habit of "paying me first" meaning that all of my savings/investments get paid first and then whatever is leftover i will use to budget with or let it rollover to next months expenses (if everything is paid on time)

[@latashawalton7739]

Make sure you’re not getting pimped for interest 😂😂that’s big facts

[@BeautifulBrwnBabyDol]

@@latashawalton7739 girl. Nothing but big pimpin!

[@naketizainabu7803]

🤣🤣🤣🤣good one

[@kendalldarien2918]

This is something I’m still learning! I found that my anxiety increased when I felt unprepared financially to deal with unexpected issues. My therapist talks about this often! Always have a plan. Thank you for this!

[@Nappy2theRoot]

I literally just said I am going to open a high yield savings account and your video popped up. Great timing, mother universe❤

[@BeautifulBrwnBabyDol]

That is awesome! I hope you enjoyed the video and GO YOU!

[@Nappy2theRoot]

@@BeautifulBrwnBabyDol I always enjoy your videos. You're so down to earth, beautiful, and luxurious

[@kimjackson3362]

Investing Saving and Budgeting SPOT ON!!!! Hi 👋🏾 Dr Nina Thanks so much for sharing this very informative/vital information I appreciate you wholeheartedly 🤗 👍🏾👌🏾 I’m currently in the midst of financial strain but I am researching, zeroing in and learning to break bad habits that create financial stress and as you stated in your video keeping me broke

[@kathleenepugh9495]

Sometimes, you need to see in real time what may befall you if you don't manage your finances/spending. Perhaps take a ride to one of those areas....you know... where people who are sleeping under the bridges and are in shelters. Sometimes, you will see whole families in desperation. All of these people aren't addicted to drugs or mentally ill. Some were just living life, and because they may have been overly in debt or living paycheck and those paychecks stopped... they are now struggling to find a roof for themselves. Stay on guard because the "financial life" you save may be your OWN.

[@juber0411]

Credit card offers with 15-18 months no interest are thee best! 🙌🏾 The last 2 CC I got had those special intro offers and I was sure to keep utilization under control and have them paid in full Prior to that interest kicking in.

[@Elmyonn]

I did an audit of myself, best decision ever

[@valerieberry6174]

Knowledge is action. Knowledge is listening and learning. Beautiful Brown is sharing tips for all of us. Thank you❤❤❤.

[@juber0411]

Also remember to check with CC holder and see if you qualify for your interest rate to be lowered if you have a newer CC. I was with Citi for a little over a year and qualified for an interest rate drop of 5% without penalty or changes to original terms. 😉

[@lilmommagray8069]

I have tried that and they usually say no even when my balance is low. My credit score wa even higher than when I originally qualified for the card.

[@missjade25]

The timing of this has to be because of God! I told myself last night in the shower that i will not spend any money for the month of October except for groceries and bills. I have horrible spending habits and impulsive shopping is a constant battle for me. But when I'm panicking trying to figure out if i can pay my car note, there's a problem that needs fixing

[@jordanruth0809]

I am now in this place practicing breaking bad money habits. I just take off without thought and seeing how I have money but not being mindful of what’s needed versus an impulsive non thinking mind.

[@yesherestherj]

These are great tips about getting finances in order. Thank you for sharing this ❤

[@WeightLosswithPCOS]

These are great tips and just recognizing that we have to have control of our spending overall.

[@BeautifulBrwnBabyDol]

@@WeightLosswithPCOS absolutely!

[@staceyjohnson6280]

I'm glad I stumbled on your channel. This was soo informative for me. I'm a divorced mom of 2 young children the baby girl is 8yrs old. Im self-employed with no 401(k). And im trying hard to start saving but its been hard. So i really appreciate u doing this video and while ready the comments so many stood out to me to help push me to start somewhere and small. So I thank God for enlightening my understanding on the things i need to cut back on and the wisdom to be wise on what i spend my money on now!!! Thank u again

[@e2ndcomingsoon655]

Thank you I’m working on cooking at home and just eat outside 1 time per week. Lots of work and 3 weeks of success! This Sunday is happy cooking Sunday and I’ll cook and freeze healthy lunch meals for me, my husband and youngest child for 2 weeks, to eat at work and at school! It’s a MONEY MAKER!! I save (earn) so much money by doing this!! Plus I feed them healthy food so I’m happy!!

[@ellen5711]

Whenever I see that notification for a Dr. Nina video my heart skips like three beats and I get so excited!! I absolutely LOVE your videos, Dr. Nina! If you can, would you be able to do a video on meal prep ideas? That would be great. 💖

[@BeautifulBrwnBabyDol]

@@ellen5711 absolutely!!!

[@BeautifulBrwnBabyDol]

@@ellen5711 and thanks so much for being here.

[@AnnnnnaQ]

Doordash is my nemesis..smh. I can cook very well, but most of it is laziness and over committing to tasks..

[@carolyndaniels386]

Excellent information! I appreciate you!🙌🏿

[@Luvagirl010]

Great video, they way times are right now you don't know what to expect having an emergency fund is essential

[@monicadhenderson8670]

Wow, I just truly love this Doctor!! . You are spitting out some golden nuggets. Appreciate you!❤

[@nialeilakande]

Thanks Queen about to listen and watch ❤❤❤🎉🎉🎉tuning in from New York City

[@hortensiacampbell7852]

Love these! Just in time to refocus for the end of the year and prep for the holiday season. I affirm I am a good steward of my resources ❣️

[@lilianasaba9846]

I have 3 kids and the youngest is 16 y/o. I have been struggling to follow the budget so the last 2 months I did envelope stuffing and assigned each one of them a number of envelopes. So far we are doing very well. I get paid once every 3 months so I must manage the funds very well. But I was failing hence enlisting the involvement of my kids. We just concluded our review this morning in a short family meeting and they all agree this is working. We have money for fuel, food, pet food, toiletries, essential bills paid & I can afford to buy some plants and flowers for our garden. I am a single mum raising 3 kids and one of them has serious health emergencies. I did it with my kids so can you.

[@CharCharJars]

Thank you so much, working on staying focused on this season with new habits & emergency funds always available

[@nxoxo7322]

right on time. I have a spending addiction and i’m promising myself to change it starting this payday on friday🤞🏾

[@sheenasaffold5422]

Thank you very much. Needed this. ❤

[@yaleshasapp5108]

These are great tips. Most I already do, I recently was able to get free help with a financial advisor looking forward to saving 3-6 months of expenses.

[@helenwiggins9390]

Good info… I am retiring 2025 I have to really get all my finances in order….

[@kaneshiaginn8650]

Definitely on a financial freedom journey

[@samib8575]

Thank you, Dr. Nina, there are plenty of things I wish I knew about financing. However, I am learning them now, being older. I know it is never too late, and as I continue to learn and make better decisions, I am seeing better changes in my finances. As always, thank you for your transparency.

[@durrelladams]

That’s for the information!

[@alifebydesign2024]

Love your conversational style of talking through these topics!!! Great video presence!

[@atlantajewel519]

Hello Dr. Nina, I learned and share my knowledge with others. Great video filled with knowledge, information and clarity. Thank you

[@karlar8648]

Loose change adds up. I put mine in my CD when I get between $40 to $50.

[@iampoetminor]

I'm glad your channel popped up on the side panel. I've subscribed to keep up-to-date with your valuable content.

[@loveme2oo]

Hello Dr. Nina, I have been watching your channel for 8 years now. I have always wanted to join your members' mentor membership. It was definitely out of my budget, but now I understand why it's important to never put a limit on how much you spend on your well-being. Anyway, although I desire to thrive with women that I admire, I sometimes feel like this channel has outgrown me and that I may be over my head. ❤❤

[@Kash_Budgetz]

Heyyyy DR NINA new subbie & im locked in love ur channel & im here to learn ,share & enjoy the vibez this video was a great one I recommend the book the physcology of money it’s one of my reads this month if u get it let me know I’m enjoying n learning principles n money to do it’s great n great video keep it up !

[@cassandramichelle6568]

Dr. Nina,thank you so much for this information.

[@Cateye17]

I really appreciate this..this was definitely for me.. tfs ❤❤

[@joycelyntims7941]

THIS is so much needed! Thank you for all of this info!❤

[@regale1995]

Yes the world is crazy!!!!

[@BeautifulBrwnBabyDol]

A hot mess sis!

[@tarolepettigrew7795]

Thank you. Needed information

[@FrankieWright-bc3gq]

Working on an emergency fund then pay off debt

[@loritasmith5355]

Love your channel ❤

[@tonyarmoore894]

I've had to learn and put in to practice these same 8 habits. My husband and I have our EF in HYSA and HYCDs, we use my rewards cc for our vacations and pay it off with our vacations savings account in which I save every 2 weeks. We keep our monthly expenses on a spreadsheet and have been for about 5 years now. We can go back to see what we paid for utilities, etc...a year ago. We have a financial positions ss that have all our life insurance, investments, mortgage balance, etc... we update this quarterly or more often as needed. I have a student loan bal less than 5k and another debt payment we are quickly eating away at. We don't have any cc debt to carry over, we pay the whole balance by the due date. It took a while to get here. We made a lot of mistakes along the way, but we are in a much better position than 5 years ago. I'm proud of us 😅. Love your tips. Keep em coming.

[@samanthabarberlette-edward8546]

Hey sis,Thank you about the information. I started using Aura last year after that huge National Data breach. I am working on my emergency fund and investing a part of my saving in a high yield savings account. I feel like I am more aware of my saving and how I spend. Thank You again.

[@hnubhliyang7477]

Love hearing you talk ❤❤ thanks for sharing!!

[@caroledward1860]

Hey beautiful! Do you have winter skin care video in the works? Especially the face! Thank you...😊

[@BeautifulBrwnBabyDol]

@@caroledward1860 I got you!

[@elizabethtrotter623]

i enjoy your video your terrific and you have a gift !

[@itsshaytime487]

Thank you for this great information!

[@myjournee]

Hi Beloved! I just found your channel and I am a new subscriber. Awesome information! Thank you so much for sharing 😊

[@bernadettesandoval3990]

If you don't have the discipline to budget your spending, don't get credit cards and NEVER use your debit card! It is not secure! Only use cash until you have the discipline required to keep your spending under budget!

[@donniep.1513]

lol at the emergency fund for catching a fade 😂 This was a great video!

[@kekejefferson9219]

Thanks for being transparent with us after you had to let go of your first home.

[@BeautifulBrwnBabyDol]

@@kekejefferson9219 hey sis! Of course. At that time I was excellent in finances but knew I was spending unneeded money. Many lessons learned. Sometimes I wish I didn’t sell it but I’m also happy I did ❤️

[@Hellobeautiful-s5m]

Very informative video. Love this!

[@Peacebestill2]

Excellent video 👍🏿

[@konfidentlothevirgo]

Great tips!

[@mariewebb2312]

Thank you

[@UniquaDaBackyardigan]

1:36 I solve this by using an ad blocker browser 😂. Also, I abhor ads, so I go out of my way to NOT purchase that item.

[@INGEN_Dahnie-el-aha-ha]

Actually, a debit card is just as bad as a credit card. I was taught to use mostly cash

[@mangayakposowa4334]

It depends on the person

[@sheedwehere]

We here 🙌

[@judyj7816]

Hey good blessings 🙏🙏🙏

[@BeautifulBrwnBabyDol]

@@judyj7816 thank you! Same to you!

[@judyj7816]

Thanks for the money tips I'm starting all over

[@kevinhollingsworth8356]

Very common ideas that we must apply and understand it's more important to build your empire or your nest egg it's more behavior than anything so so so true

[@beverly924]

Happy Belated Birthday Beloved 💕

[@BeautifulBrwnBabyDol]

AWWWWW! Thank you!

[@GoThaliaGoThaliaGo]

My think is overdrafts!!! They happen a lot but I'm not working 😩 any ideas?

[@mariacormier7555]

Oh ye! I Love Aura !!!!!!

[@Ebizzill]

im stuck between Sofi and ally for high hield savings account. I want a set it and forget it type

[@chinapanion4975]

This was soooo good! 🎉

[@ElegantPaws01]

Great topic.

[@BeautifulBrwnBabyDol]

@@ElegantPaws01 thank you!

[@crystalpatton4475]

Thank you😊

[@braneeshawilliams8565]

Heyyyyyy Dr. Nina ❤❤❤

[@Winter_Babe_Saves]

New subscriber ❤

[@mercyh193]

❤ this!

[@Jankerr1903]

Obsessed with your videos!!❤

[@BeautifulBrwnBabyDol]

Thank you!

[@velmacoutee2613]

I love this content it is wonderful as always everything you do is good. I have one high-yield savings account but I also have a 401k on my federal job, my question to you is where else can I invest my extra savings

[@charleneharris7579]

Thank you ❤

[@BeautifulBrwnBabyDol]

You're welcome 😊! Thanks for being here!

[@Vesta0831]

I want Anthony O Neal to interview you ❤

[@claireclaire970]

This is a little off topic but (respectfully 🙏🏽) does anyone know if Dr. Nina has been able to breastfeed after her breast reconstruction several years ago? I recently had my first consultation with a plastic surgeon for my breast lift so I've been doing a lot of research. I came across Dr.Nina's breast reduction videos and I like the way she broke it down, however I was wondering if she was able to breast feed normally years later, since breast feeding is a major consideration of mine as a prospective mother. (I will appreciate any relevant feedback 🙏🏽)

[@BeautifulBrwnBabyDol]

@@claireclaire970 got a video coming up for you!

[@claireclaire970]

@@BeautifulBrwnBabyDol Oh thank you so much! I'm subscribed so I'll be on the lookout 🙏🏽🤍

[@midorimairi]

🙏🏽 ❤

[@mummykamitho]

Hi dear, I just saw your videos and got great information about underarm infection. I'm suffering from an abscess it's 1inch now the mouth of the bean shaped abscess is open and water and sometimes blood comes out but its not going for tw weeks now. I don't want surgery. Please help how get rid naturally? I'm slim with wrak immune system and I take bath frequently. I damaged ny armpit by hair removal strip as I never had a pimple on my skin. I'm iny 40s now. If you give some guidance I'll be grateful for your response.❤

[@irminemode3053]

I use my tax return to pay off my credit cards so now I only have my mortgage .

[@LolaSemone]

That’s what I did last year and still put myself back in debt

[@gladysekong9515]

I tell myself and my kids. We don't buy ad stuff in this house. That's a rule. 😅😅

[@arethalee428]

Amen 4real 🎉❤

[@rareblackbutterfly100]

Hi I am unable to open the links

[@cynthiabanks-holman6952]

💕🌸💕I’m not even a minute in…😊✨Where have I been!? 👍🏽✨✅✨

[@mzskipwith]

I equate every dollar spent for hours worked. Are these shoes worth 5 hours of work??? Probably not 9/10

[@cocoknowsbest5254]

Tks.❤❤🙏🙏

[@LimeyKat]

Interest rate already came back down. Companies arent about to let go of the death grip on our wallets though...

[@Janaemarie99_]

Why are you in buisness lol 😂❤❤❤ thank you for this video!

[@tamiekamaxwell2154]

💯

[@jodianngardner8433]

This is for me😢😢😢

[@roxannlopezroxy4072]

❤❤❤❤❤❤❤❤

[@BrianaIsir]

I have the smarty pig high yield savings with Sallie Mae! And it’s more beneficial and I actually have good monthly returns!