My GIANT money WINS & FAILS of 2020 - Transparent Personal Finance

[@BudgetGirl]

Check out budgetgirl.com for your free January money guide which includes all the things you should consider when budgeting for january, some fun money challenges, and info on what's on sale and in season this month!

[@PlannerMemaw]

This year I paid off my student loans and became consumer debt free. In 2021 we will pay off our mortgage and max out our HSA account.

[@thecontentedhome9167]

Congratulations! That’s a great accomplishment.

[@amandarose9300]

I can’t wait till the day I pay mine off 😂

[@powderbunny14]

been subscribed since august '19, and it's been so cool and relatable to see your growth the past year and a half! I've recommended you to friends of mine who are trying to get out of student loan debt, making $30-40k/year and just don't see a light at the end of the tunnel or have convinced themselves they're going to be in debt until they're in their 40's. I didn't start out with student loans (very grateful) but moved back home with the intention of going back to school to become a dietitian, and had maybe $500 to my name. In the last year and a half I've saved over $40,000 (my income in 2019 was 21k and was just a hair over 43k in 2020), have been able to cash-flow my tuition payments, and am on track to graduate totally debt free next spring! thank you for all of the motivation, encouragement, and for being so real and down to earth. watching your channel has shown me that you don't need to be a high earner or have family/spousal support to achieve your money goals - you just need to stay consistent and keep your end goal in mind.

[@anelinck5375]

Congrats on the 75k subscribes. And wow, I have been subscribed and following from before the College Station time when you were still a journalist heavily in debt, you have made a great journey. Again congrats Sarah! You rock!

[@Lilsnukems]

Sarah I've loved watching you and your channel grow over the past few years.You're so genuine and it's such a delight to watch you succeed!

[@BudgetGirl]

Thank you so much!!

[@michellegladden9200]

This is so amazing! I had a pretty good financial year! I paid off my student loans and my car. I now have one debt remaining and I can't wait to be all in on investing.

[@christinaray2645]

This year I managed to pay off 2-3 credit cards (woo hoo!), and have savings for the first time in my life! All our vehicles are paid off as well! I still have student loans and 2 more credit cards to pay off. And then all I’ll have is our mortgage. It’s been a good year for paying down debt.

[@cherylweber4281]

I discovered you several months ago and so glad I did. I went out to your Etsy shop and bought your budget spreadsheet. I was excited at how you set it up and the percentages. I did change mine to work with Excel and for me I added some columns (ie: input date a payment cleared my bank). Plus you follow the Dave Ramsey principles in handling finances. Big score there. I shared your KZbin channel with my daughter. You are an inspiration to others. Thank you.

[@guitarie16]

I had a similar experience. The school I work for has been negotiating a new three year contract. The final approval for the new contract happened at the end of March. As people were losing their jobs, I got an 8% raise. I didn't tell anyone until the very end of 2020. It felt inapprorpriate to share when it happened.

[@lydiaguerra2731]

Keep on this positive attitude budget girl. That's the way to go in this new year, 2021.... Congratulations!!!

[@deboramorrissey7442]

My big 2020 win - selling one of my rental houses that I bought as foreclosure back in 2012. A 2020 fail was not being proactive and planning out tasks for me to accomplish on evenings and weekends. I found that if I don't write out a to do list, I tend to just do the basic house chores, walk my dog and read (I love to read). So, I am working on writing a to do list for at least the weekends, every weekend in order to get stuff accomplished. I really liked this video. Thanks for sharing.

[@2fixmj563]

Sarah, I've been gone for over two years. Watching you a bit past your debt free scream but then got second breast cancer so switched to health videos. I did become debt free EBTM and met Dave. Now down 65 lbs, I have more energy so thinking of starting KZbin channel. I said to myself, "Who is really good at this?" Hmmm, guess who I thought of. So glad to see how happy and how well you are doing. Here we go 2021!!!!

[@kimberlystrickland189]

I think being relatability is more about who you are and less about what you make. You are doing so well. But you work really hard to do it. That is super relatable.

[@BudgetGirl]

thank you!

[@garyparker367]

You’re amazing Sarah!! I’ll be out of debt in June (43k between car note & student loans, only 11k left!) Seeing your journey has pushed me to keep going, and seeing your wealth increase so much is exciting to me and making me want to start my own KZbin channel. Great job and excited to see you land your goals in 2021

[@moneybee]

Way to go Gary! It's so great hearing people making progress on their financial journeys, and it sounds like you've made some made some fantastic progress! Finish the race strong, and June will be there in no time! Well done! 😊

[@jungwhat]

Congrats on 75k subscribers!!! :)

[@PidasianHippie]

Congratulations on all your money wins. You are one of the most deserving people I have seen here on the internets!

[@g.g.chavez-daniel6418]

As long as your wins outweigh your losses, your good. Way to go!!!

[@AmandaRoundtheGlobe]

MAGGIE IS SO CUTE!! Congrats on the raise, that is so exciting! I actually bought your Etsy budget planner in December, I am loving it so far (I've even made a video with it!). My biggest money win was really focusing on my debt in 2020, I am so grateful for your channel and hope that in a few years I'll be close to $100k net worth too :)

[@BudgetGirl]

I'm so glad you like it! and you can get there! I'd absolutely love it if you left a review on etsy btw!

[@jessicadjonne2687]

Congrats!

[@nonya13]

Honestly, what you said about them not teaching this in school is why so many people don't know how to look for or pay for a house. Schools don't teach real life stuff, especially when it comes to money. So brag all day :) You are one of the most honest people I've seen on YT. Enjoy the videos and your year in review.

[@BudgetGirl]

thank you for watching and commenting Nonya!

[@sarahmcvaugh7348]

Thank you for sharing! I really appreciate you being open about your salary and also your net worth. I love the chart you made that shows how far you've come. I think the real numbers you give provide people with hope and encouragement. You are an inspiration! And good job getting out of debt and saving so much!

[@relaxbydiamond]

Way to go, BG! I think I have been with you from year one. From 2016 to 2019 we paid off $30k in debt and in 2020 we saved $30k in one year! Family of four, single income plus lots of hustle, 27 years old. I am ready to save $30k more this year and have our down payment for a rental property! It's been fun, informative, and encouraging to follow your journey and to join you in wealth building! You are still relatable because we're all growing together.

[@LindaASJ]

Your first videos are amazing for someone who is in a financial mess. They are so relatable. Following those videos I bet have helped a ton of people.

[@fineprintforlife8853]

Happy new year! My 2020 win was becoming debt free after 3.5 years! Your videos were a big part of my journey and kept me going even during the tough times. Thanks for the inspiration. :)

[@moneybee]

Well done! That must have been such a crowning accomplishment, and feel so good to have finished a 3.5 year journey! Well done, and hope you keep that momentum into 2021! Keep it up! 😊

[@emilyh753]

I found you through the 7 streams of income video and it really inspired me to start trying to start a small blogging/etsy business (in addition to my day job)! It's been on my mind for a while and you definitely gave me a realistic view of what I could do with it (instead of all the "you can make 6 figures a month" stuff). So thank you! Keep putting out awesome content!

[@BudgetGirl]

That is awesome!

[@WealthbuilderzTV]

Love the transparency.

[@na-cp9kp]

I didn't even know you were househacking! That's awesome budget girl. Thanks for sharing these. There's a lot to be learned

[@BudgetGirl]

Thanks for watching!

[@joule-o4v]

I totally found you though your 7 Income Stream video! So glad I did! You are so sweet AND REAL. Goodness, so hard to find. This year was pretty good for us too, just trying to figure out that next financial step. I'll keep watching for new ideas! Thanks for existing!!!

[@haleyplasman9989]

Thanks for your transparency and approachability. You totally seem like someone I would love to be friends with and I love your sunny attitude!

[@BudgetGirl]

Thank you so much!!

[@thereaderbug398]

This was super cool for me to watch. I think I found your channel 7 or so years ago. You were still in debt but working hard at it and being super frugal. You were sharing your overnight oats and hummus made with peanut butter (which I have still yet to try) and to see you where you are now is great. I also remember your debt free scream. I don't think you're at the point of not being relatable because you're so genuine and truly want to help people. I hope this year is an even more successful one for you!

[@BudgetGirl]

thank you!

[@DearDebt]

So excited for 2021! You’ve done such a great job in 2020 and I can’t wait to see you succeed more in 2021 🙌🏼❤️

[@emilyswinarski]

Sarah, I've been following you for a few years now. You're my fave financial channel on KZbin. Just wanted to say that I'm so proud of you, and you're doing amazing things! And yessss GIRLS JUST WANT TO HAVE FUNDS! 🥰❤

[@nt6719]

First, I really like the way you've set up your bookcases. They look so nice. Second, if you had hit all your goals then you probably set your goals too low. I wish I would have had the financial knowledge at your age that you have. I love your overall attitude of gratitude. Congratulations on 75K subscribers! That is awesome!!!

[@BudgetGirl]

Yes! Thank you! you're right about goals!

[@Alys3]

Congrats on everything you’ve achieved! At the start of 2020 I was saving for a trip to Canada (from Australia), sort of had a vague idea that I would start saving for a house after that, but nothing firm. Well the pandemic hit and I had to postpone that trip indefinitely (hadn’t booked anything so no money loss). I was fortunate that my job was safe, and I even earned more money for a while because it got so busy and I worked more hours. I wasn’t going out to eat (places were closed for a few months), and I was forced into better money habits. I liked seeing the the number in my bank account growing, and I decided to get serious about saving for a house. I found your KZbin channel, as well as an Aussie podcast I love called “She’s on the money”. I feel so much more educated about personal finance now, and feel like I have a good future again! I’ve been doing a zero based budget for a few months now, and it really works for me :-) Since March 2020 I have increased my savings by around 13K (on a low income). My goal for 2021 is to add a further 13K to my savings, and get my side hustle Etsy store up and runnning! Thanks for all of your inspirational videos! Happy New Year, all the best for 2021! 💕

[@moneybee]

Woo Hoo Alysse, way to pivot and make some great progress in a hectic year! That 13K extra is FANTASTIC and something you should be so proud of! It's so important to celebrate those wins along the way! I hope you can keep that forward momentum rolling into 2021, and hit that extra 13K goal! Best of luck from Canada's southern neighbor, and hope it's a great year for you ! 😊

[@pamlong448]

In 2020 I had quite a few home costs that fortunately I was prepared to cover. I replaced a washer and dryer, a furnace, air conditioner and my water heater. I also replaced my gutters which included adding gutter guards. Lastly I replaced wood trim around both my garage door and and bay window. Fortunately I was able to finance my furnace, AC, and water heater for 18 months at 0 interest rate. So I chose to finance half of the amount instead of paying all of it upfront. I am so grateful that I started a house fund about 8 years ago. Was it hard to see the amount in my fund go down...absolutely...but the peace of mind of not worrying about my furnace potentially breaking down when it was freezing is immeasurable. One final thing in my pursuit to get the best deal I researched energy rebates and will be able to get a $300 rebate from one of my providers where I live. I also learned that every two years of maintenance that I can document on my furnace I can get an additional $25 rebate. Congratulations on a great 2020 Sarah!!

[@createalifeofadventure9475]

I’ve watched you since you started and I love your videos. I bought your budget template to use this year...and I’m making a big move to Texas at the end of 2021!!! Let’s make this year great!

[@BudgetGirl]

Awesome! and welcome to tx!

[@MariaAndersenCrypto]

Let’s make some money in 2021🤩🚀❤️

[@DominiqueJonae]

I love that you bought your house and are housing hacking.Texas is such a good place for doing that. My dream is to buy a nice duplex and house hack too, but with me moving to the notoriously expensive Washington DC Metro area those chances are slim to none. A girl can dream though!

[@BudgetGirl]

Good luck!!

[@garyparker367]

Eek I’m tryna house hack in DC too!! Good luck!

[@DominiqueJonae]

@@garyparker367 thanks! Good luck to you as well!

[@iameowyn]

Oh my, I feel you. We're in NYC.

[@JustBrenda55]

You can do it!!! Praying for you!

[@Jodi9810]

Some 2020 wins: I found and started watching your videos -- love your spirit and smarts and energy! I also stopped avoiding really looking at my retirement accounts -- I got out of managed accounts with fees I shouldn't have been paying, and now I have a much better picture of what our retirement outlook is. Also, when our family spring break trip had to be canceled I thought we wouldn't be able to get our plane tickets (4 round trip) refunded so I almost didn't try, but I decided I might as well and was pleasantly surprised that the airline refunded the full amount that I thought we'd just lose. 2020 fails: The main one that comes to mind is that I kept paying for optional monthly coffee service at the office I didn't step foot into for over 8 months, because it didn't occur to me to cancel it and I didn't look closely enough at my invoices to notice the line item. ☹️ Oh, and I'm self-employed, and with the pandemic my business brought in less than half of what I'd made in the last few years. But I was very, very thankful that my husband and I didn't lose our jobs like so many did. Happy New Year! I'm sure your success and net worth will continue to soar!

[@moneybee]

Way to go being proactive to get those airline tickets refunded! It's amazing how if you are respectfully assertive, you can achieve some amazing things! Glad to hear that you have a clearer view of your retirement picture too! Keep up that great work into 2021! 😊

[@yesanotherhobby7756]

Congrats on your wins! I had a good year too. It’s hard to say that when others have had such a hard year. But I’ve worked my tail off to be in a place where the world situation had little effect on my finances and my life in general.

[@juliagaas8562]

Hey Budget Girl! So glad I found your channel! I’m also an Aggie, class of 16’ and masters in 17’. I’m so impressed by your content & inspired by your story! My husband and I also had a mixed bag of financial experiences in 2020... including investing a huge lump sum right before everything crashed big time. Ugh! Luckily we didn’t pull out our investments, but it was a nail biter there for a few months! 😅 We were also planning on using that $ for a down payment one day soon, so we’ve learned our lesson! Hindsight 2020!

[@BudgetGirl]

Hi Julia and Gig em! Glad you learned and didn't lose too much!

[@izzyd.9864]

my biggest money fails in 2020 where that I didn't make many moves towards improving my situation. I was lethargic and tired and felt burned out. I don't know where I would be had I been more focused in 2020, but I know that I now charged ahead at the beginning of 2021 and already accomplished A LOT. so maybe I needed a little rest and can now get back on my feet.

[@moneybee]

Best of luck Izzy, it can feel daunting, but you'll be proud of the work you're putting in! Keep that early momentum going into 2021! Keep it up! 😃

[@betsywilliams3666]

Fail I couldn't go home for my brother's wedding and my grandpa's 90th bday. Win I was able to pay off my student loan debt! I'm now debt free! I have been saving money!

[@BudgetGirl]

Great job!

[@lyndaemge3486]

Soooo proud of you. I watched you through my debt payoff journey, and you inspired me. Thank You,

[@BudgetGirl]

Yay! Thank you!

[@jt4621]

I’m so encouraged by your successes and transparency about your failures. It’s doable! Thank you for sharing. 😊

[@BudgetGirl]

You are so welcome! thanks for watching!

[@4peaceandharmony]

You're so inspiring! Makes me feel like I can reach financial freedom. Tganks for all the great guidance. ❤

[@moreflairbycrystalz2785]

Congrats! U are doing great! 2020 wins I paid off a credit card and cash flowed getting a new alternator for my car. 2020 fails: I did way too much online shopping during the stay at home orders- but at least they were cash not credit.

[@PencilStash]

Fantastic video! Thanks so much for sharing! Been watching you for a long time and amazing to see your growth. :). Congrats!

[@BudgetGirl]

Thanks so much!

[@venage17]

You have been such a huge inspiration for me in my debt free journey - Christina

[@Bluebonnet906]

2020 was (thankfully) okay for us financially. But 2021? Ohhhh girl. By December 2021, we will be debt free 🙌🏼🥳 I can't freaking WAIT!!!

[@BudgetGirl]

whooooo!!!!

[@GonnaBAMom1Day]

It’s been so fun watching you grow from a baby budgeted to who you are now!

[@AK-gh6cp]

I enjoy your video content in general, but today's cameo by Maggie made your video even better!!

[@jessicadjonne2687]

Love your pup! Thanks for sharing. I wish high schools would implement a personal financial management class that’s mandatory. It would help get kids off to a great start! Many homes don’t talk about money, credit, etc. Hunter cats, like my Sebastian, gets rid of rats ... for good! This past year he raided their nests and killed all the babies, and mom. Sad but necessary. This is after clearing the hills we live in, a problem this property had experienced for as long as anyone could remember. Yeah! I even caught him on one of our cameras catching a huge wood rat in the wild, on the hill where I struggled to see him. Your raise was a gift from God girl, right on. Many blessings to you and your superior who thought highly of you and wanted to help keep you there and happy. Have you ever done a video on starting a KZbin channel? Cameras, lighting, paperwork, etc. I’d sure love it, and appreciate it.

[@elenacala]

You look seriously glowy! Those are some big changes but over all it seems like a great year financially for you. We've just steadily been able to keep saving. One win was being able to nearly fully pay for a really expensive car repair. We have a savings account we put money into each month just for car repairs/registration/up keep, and we had finally saved 2k into that account when my husband's paid for car need a 2400 dollar repair. As sad as it was to see that amount empty out it felt so good to not be worried or stressed about how we were gonna pay for it or to have to go into debt especially when we don't know what's coming for any of us after this year. Peace of mind is an absolute win for us.

[@BudgetGirl]

great attitude about the repair! you're paying yourself back, not a CC!

[@erinpiller6221]

Loved this video so much! So glad I found your youtube channel

[@creatingbalancefinance]

You e had an awesome year. 2020 was a great year for us for investing, and I’m really looking forward to seeing that grow in 2021! Have a great year!

[@blondbenz]

Two major wins for 2020, upping my 401k contribution to the point that I ALMOST maxed it out (will definitely do that this year!) and Sold my house in 4 days to net a tidy little amount for my down payment on my next place! one major fail was probably some over spending I had this summer on eating out and buying *stuff*, but was thankfully able to reign that in!

[@PSUhockeygirl]

Barcelona is one of my FAVORITE international cities. I hope you had a blast!

[@britg8567]

I just love watching you! Your attitude is just so positive and you are so easy to listen to.

[@BudgetGirl]

Thank you so much!

[@lynncyclopedia22]

Great video, girl! Have to recognize our mistakes to learn from them. Gotta say though, as someone who appreciates a good word play, it was right there in your intro and you almost had it! “Hindsight is 20-20, and thank god 2020 is in our hindsight!” Lol

[@BudgetGirl]

;-D glad someone caught that!

[@therosalesrodeo6430]

I just found you from your 7 income stream video and sad I didn’t hear about you earlier! LOVE your content! Love your anti-MLM stance as well 🥰 you earned a subscriber from a fellow Texan. (Here in Arlington) You’re doing awesome things! Keep at it 👏🏻

[@BudgetGirl]

Welcome!!

[@jennifersembera619]

Planning to payoff our mortgage this year! Can't wait!

[@BudgetGirl]

That's so exciting!!!

[@poodlegirl55]

Thank you for sharing your journey. You are very intelligent, hardworking and you really have perseverance. You earned all of the success and are reaping what you sow. I am proud of you!!

[@tiffanylikestodance4452]

I loved this video. It’s so awesome to see you happy and so proud of yourself and winning 🥳

[@MariaAndersenCrypto]

Awww that sweet puppy🐶

[@Natalie_11188]

Major win- refinancing my mortgage, saving $500 each month!!!! Fail- I had a little bout of emotional spending in June and didn’t hit my debt payoff goals.

[@moneybee]

500 dollars a month is fantastic! That's a sizable chunk, and you should be proud for being proactive to make that happen. Well done Natalie, keep that momentum rolling into 2021! 😊

[@Natalie_11188]

@@moneybee thank you!

[@moneybee]

@@Natalie_11188 No problem Natalie! Keep it up, your future self will be proud of the work you're putting in now!

[@Erica-en2qz]

Budget Girl: "That's so exciting!" Maggie: yawns 😂 What a sweet pup! 🐶❤ and Congrats on the now 77.8k subscribers! 🎉

[@BudgetGirl]

Thank you!! 😊 Mags is rarely impressed.

[@lindap9079]

I am retired but I have a side hustle at a bakery, primarily working on wedding cakes. I haven't worked at the bakery since January '20 because wedding receptions are banned. Like I said I'm living off retirement investments, and comfortably I might add. I don't need the bakery income, but it was nice to have that extra income, which was earmarked for random acts of kindness.

[@moneybee]

Linda, what a fun (and delicious) skill to have! I love that not only do you bring in extra income, but you are making creations to celebrate such memorable and happy days in peoples life. That must be such a rewarding feeling knowing your work brings great joy to people. Heres hoping you're able to pick it back up once weddings return to normal again! 😊

[@CentsibleLivingWithMoneyMom]

I adore Maggie. She puts such a smile on my face.

[@BudgetGirl]

Me toooooo

[@lookn4answrs]

Really appreciate your transparency! I enjoy your videos and find it so helpful.

[@jamiebrady8467]

Maggie is precious!! Thanks for sharing her. 😍

[@deborahvierra1406]

Good for all your successes. Keep striving and stay focused. Congrats.

[@bridgingthegapacademy427]

Your videos are superb! Thank you so much for being so open and sharing your thoughts. ❤️

[@BudgetGirl]

Glad you like them!

[@aliciaunaryan4751]

I'm so proud of you Sarah & your journey & channel are truly inspiring. Keep going girl Greetings from South Africa

[@BrainyRedheadedAngel]

🎊Happy New Year! 🎊 I am glad things are working out for you! All of your hard work, continues to pay off! You deserve those blessings!

[@aconstantwork8915]

You’ve had a great year!

[@mollymay509]

I paid off my debt and grew my savings to 10k!!! It’s so true how your $ skyrockets up once debt is gone!!

[@BudgetGirl]

Agreed!

[@moneybee]

WOO HOO Molly! What a great accomplishment! I'm sure having that debt off your back must be such a liberating feeling, and something you should feel incredibly proud of! Well done, I hope you keep that momentum going into 2021 and watch that 10K grow! 😊

[@sandrafromscotland]

Thanks for sharing Sarah 👍 What a journey 👏 Maggie is so cuddly 😊 Look forward to what you've got planned 💜

[@monicaleite5058]

Thank you for honestly sharing your house buying experience. It seems to me that there is shame for buying a home in the "financial community " if you don't buy the way Dave Ramsey recommends. I know many people YTubers have now come out to voice where they agree and don't agree with him but it seems most people do not address his opinion about home buying. Maybe this is because they hadn't reached that phase when they made their video but none the less I have firmly decided that home buying is not a one size fits all.

[@antoniogonzalez3771]

Congrats Budget Girl , Glad your channel is growing! I first found you when you did a collab with Gazelle Intents! Hard work pays off !

[@BudgetGirl]

That's been quite a while!!! Thanks for hanging out so long!

[@CraftyPinkPixie]

Happy New Year! Your doggie is too cute! :)

[@DrCarolynTheLibrarian]

Win: my net worth grew by about $33K which is amazing considering how this year went! You are absolutely right that it is so much easier to build wealth without debt. In the 6.5 years since I graduated with my masters, I’ve been debt free (no student loans left and paid my car off) for almost two years and my net worth exploded in that time. And then of course, the more wealth you have the faster it will grow :) Fail: putting off opening a Roth IRA and moving my money to a high yield savings account 😭 in the process of doing both now but I wish I had done it earlier!

[@keyllygastelum3327]

Thank you for all the really good information!

[@BudgetGirl]

Glad it was helpful!

[@Linda-nanny]

Love your videos , very motivational!! Good info too! happy New Year!

[@melaniesmith1928]

Congrats! Thanks for sharing your wins and losses!

[@cg5657]

Omg I have an Aussie mix. Maggie is adorable🥰. Love your videos, super helpful!

[@BudgetGirl]

Yay auss-holes :-D

[@michellemorales401]

I enjoy your videos. You feature realistic goals and share with your community how you've achieved them... or not achieved them... and that's 🆗️ too. 😊👍👌

[@BudgetGirl]

I appreciate that!

[@sheenamaclean8324]

Fail: got made redundant from my travel job at the end of October when the first furlough scheme finished in the UK. Win: All the money I managed to save by doing feck all for the whole year I used to overpay my mortgage so have cut nearly 1/3 off the repayment life (well not just last year, just hate having debt).

[@jarehares]

You helped me to realize that it is possible to pay back my student loans even on my income.

[@BudgetGirl]

yay!!!! it is!

[@paulawhite8674]

So glad to know you listen to other people too!!

[@juliataylor8063]

Congratulations on the 75k subscribers!

[@BudgetGirl]

Thank you so much 😀

[@LiveLifewithJay]

Very inspiring. I’m still learning as I go.

[@rocketcityplannergirl]

Keep doing monthly budgets, frugal living and stuffing cash envelope videos and I think you will be relatable no matter what phase people are in.

[@Natalie_11188]

Hey Sarah! First comment of the video. Hi to Maggie as well.

[@BudgetGirl]

Hello!!

[@JustBrenda55]

I haven’t been getting notified... 😔 here now. Will be catching up.

[@iameowyn]

Congratulations on an amazing year!! I love your videos and feel like you're a friend. Also, I might ask to borrow Maggie sometime, k? My biggest win this year was to get through a really tough financial year making the most of the government support we got while my spouse and I lost 90% of our income due to the pandemic. We put a lot in savings, didn't go into massive credit card debt, and I managed to max out my Roth IRA for the first time ever. Also, took the forced time off to start my new business/side hustle.

[@BudgetGirl]

She's very snuggleable! Huge congrats on being able to weather this pandemic! That is an amazing win!

[@moneybee]

Well done on that Roth! What kind of side business did you start Eowyn? That's such an exciting thing to carry into 2021 and I hope it proves to be fun, rewarding, and profitable! 😊

[@iameowyn]

@@moneybee thanks so much! I'm teaching self-employed creatives how to get better with everyday money management. Here's to us all doing better financially

[@lauriesell7934]

You go girl! 👍 Proud of you😃

[@EricMeatlikeaking]

If I could make any budget it would be better than no budget. but it is sooo hard. wow you made a lot of money. Good luck to you and I hope I will get lucky soon too. :)

[@vidahappy-frugalspanglishv1528]

It's not hard Eric! It might be at first... but it gets easier:). Just sit with pen & paper and dedicate it at least 15 minutes every week- it will start coming to you. Write your income, exspenses, needs, and wants. I can help you more, if you need more help... really😊

[@poodlegirl55]

The harder you work the luckier you get. Student loans, rats, stock market drop, low wage job, multiple side hustles. She worked hard, she was not lucky.

[@vidahappy-frugalspanglishv1528]

@@poodlegirl55 You are right, she did! That is just how it is👍

[@EricMeatlikeaking]

@@poodlegirl55 I understand. I hope my hard work will pay off soon too. a little luck is nice too ;)

[@EricMeatlikeaking]

@@vidahappy-frugalspanglishv1528 I can schedule it into my weekly routine. Great idea. Thanks. I am trying to get better at my schedules too.

[@kaitlinobrien243]

Brag away Sarah Brilliant achievements! 🎉🌟 ☘️🇨🇮☘️

[@financegrowthjourney9002]

Great insights! Thanks for sharing :)

[@BudgetGirl]

Glad you enjoyed it!

[@terricarver4873]

Great video, Sarah! TY! 🌹🌹🌹

[@BudgetGirl]

Thanks for watching!