11 MONEY TRAPS to AVOID AT ALL COSTS! Save thousand$$$!

[@BudgetGirl]

IT"S MY BIRTHDAYYYYY - What major money mistakes did I miss? And have you ever made any of these? I'm guilty of a bunch! Thanks so much for watching!!! If you want to give me a present, go visit budgetgirl.com and click a few buttons! It helps me a ton!

[@rochellethundercloud346]

Happy birthday!!!mine is next week monday,feb.8th

[@kelseybowman8267]

Heading to your website after I finish the video to push some buttons! Lol Also, happy birthday! 🎁

[@pammasheppard1338]

Happy BIrthday!!!

[@marias8007]

what do you mean, click a few buttons? like read the articles? i'll do that. happy birthday!

[@sithakhounborinh5181]

Happy birthday!!

[@MagalyJLerma]

Just received my stimulus check! And paid off my last credit card 💳! I’m officially debt 💸 free!

[@storytime1469]

Congrats! That's amazing

[@SheilaWrightAvonBeautyNC]

Congratulations! :)

[@jerishull1860]

Outstanding!!! Congrats

[@rochellethundercloud346]

Money traps to avoid 1.976 numbers 2.900 numbers 3.late fees 4.overdraft fees 5.atm fees 6.buying used electronics 7.keeping up with the joneses 8.fast fashion 9.bars,clubs,eating out on.a regular basis 10.food waste 11.lack of budget 12.credit cards when unable to pay 13.ignore much needed repairs,medical things 14.not tracking every single penny in,and every single penny out 15.hiring unlicensed people to do work for you 16.buy cheap thinking it saves money

[@sillymadeupusername]

I would add magazines to this list (you read them in about 30 seconds and they are mostly adverts anyway)

[@LauriefromCA]

Thank you for creating this list!

[@susanfudge1737]

Buying used electronics and hiring unlicensed people has saved me a fortune. My dad has an electrical engineering degree but is not an electrician, therefore he's not licenced. Used computers, gaming systems, phones are not even a tenth the price. We can do some repairs and have a guy who's cheap.

[@MsGechi77]

Thank you. I take notes but always miss something.

[@susanfudge1737]

I'd like to add lottery tickets.

[@paulacostello6912]

Re saving for retirement: When I was in my 20's, my friend's mother said to me "Blink and you're 60." Turns out she was right. I'm 60 this year and 27 seems like the day before yesterday. Too bad I didn't listen to her. I only started saving for retirement when I was 56. You can imagine how much money I (don't) have.

[@gbb82]

Yeah, but look how well you have done....you started before retirement, and now you are four years into this. What if you were starting just now?

[@pammasheppard1338]

Both of my parents were very bad with money. I remember standing in line with my mom to make payments on store credit cards. Also going to a shady (non-real bank) place to get loans. The creep when raises were given of getting a new car or something like that. The most horrible thing was after my mother passed away my dad found out she had much more credit card debt then he knew. She handled all the money so she never told him. So I never learned the correct way to handle money. My 20's were a money mess. Thankfully I handle it better now. But now I sometimes face a different problem. I am a such a tight wad in a way that it almost hurts to spend any money. I am talking about things I really do need. I am really trying to find a balance.

[@joanvanhetten9503]

Pamma you are doing a great job so far. Keep up the positive attitude. Have you ever read the book "Rich dad, Poor dad. Look it up, you will be inspired. Goodluck🙏

[@pammasheppard1338]

@@jeffmills4536 crypto currency scares me actually!

[@pammasheppard1338]

@@joanvanhetten9503 I have heard of the book but I haven't read it.

[@joanvanhetten9503]

@@pammasheppard1338 We as people are our own worst enemy. Being scared to try something is normal, but don't let it hold you back.

[@joanvanhetten9503]

@@pammasheppard1338 Everybody that reads this book, starts to understand better money should be working for us and that the goverment only teaches us how to be employees, but not how be become financially independent of free.

[@jamesstinson546]

I’m so thankful they didn’t have payday loan places when I was young. Predatory is an understatement.

[@susanfudge1737]

I don't know people who use those places or rent furniture or appliances.

[@thankfulandthrifty]

Great list!! 12) Buying a bigger house than you need/taking a 30 year mortgage. 13) Spending a big hunk of your take home pay on consumable items that loose value (clothing, etc) 14) Not being generous. It doesn't matter how little you have...give some away to those less fortunate. YOU WILL NOT REGRET IT.

[@francescaiozia5955]

I agree... I am a single female with 3 digit equity. Started with debt bought my duplex with a large downpayment and saved by budgeting. Every pay day. Savings and equity growth was primarily goal after living expenses. I have traveled and also moderately enjoyed life.

[@sofias9858]

I come from Sweden so my situation is a bit the different from you in the US, but not always better. I think the biggest mistake you can make here is to not invest and not being a part of the organization called A-kassa (which gives you money if you lose your job). I´ve watched you since you were teaching and had a very low salary. You are so inspiring! Keep it going :)

[@charlotteechols3035]

I am guilty of buying several new cars over the years. I have bought used also. Biggest money problem you have when you have a house is buying stuff for a project and never getting around to doing the project. Biggest money leak is eating out when you are sick or too tired.

[@Lady4Life]

Happy Birthday! When I was younger, I wish someone had explained in detail what the 401(k) was for. At the time I was young, healthy and living the dream. Had someone said, this will be your paycheck when you retire, it may have sunk in much better.

[@Findingariel]

Sara, love your videos! We are in our 60s and of course wisdom goes with age. You are an old soul when it comes to finances, especially among your peers. There were several generations before you and after me that lived for the day without any thought to their future finances. I think your generation is beginning the trend of being financially responsible like us old timers. Well done!

[@chantellicopter]

In my early 20s I did every single one of these. Except I had people cosign loans for me, not me for them. It definitely ruins relationships. Wish I had had parents that taught me about money too... I had to learn it all for myself! Have been on the right track for years thankfully 🙂

[@kindrastarr5298]

It’s like a virtual never have I ever 🤣 A lot of these I’ve done in the past but gotten my stuff together since then. Although, I will say I dont talk to my dad about money anymore. Not because we never did previously, but because he’s way too nosey and wants to micro manage/judge my finances even though I totally have it handled (which is attributed to what he’s taught me since I was a kid) 🤪 I’ll tell him when I pay off my house 20 years early.

[@barbaracastleton4337]

I made most of them when I was young, before I learned how to have a budget, keep to a budget, and save. I'm so glad you learned these lessons early and that you share them. Oh, one thing I would add to your list - SUBSCRIPTIONS - What with music, streaming, news, and yes, Patreon, a person could overspend by hundreds every month. I've whittled and whittled my subscription list down to the bare essentials. For me, the NY Times is one of those, but it may not be for you. Make choices and add them up and put them in your budget.

[@jms9237]

Best video ever!!! You are so financially savvy. I am considerably older than you and everything you say in your video is 100% spot on! My money goal for 2021 was to buy more rental homes and I just signed papers on my 4th and 5th rental homes. Yay! BTW, I love your red glasses BG!

[@BudgetGirl]

Way to go jill!

[@anotheramy71]

EXCELLENT advice. I have co-signed for student loans (repayment going okay) and, unfortunately, I've had to use my retirement funds in the last couple of years due to job instability. I have to remember that not everything is in my control, and I just have to keep doing the best I can. Even after that period of financial instability, I've recently become debt free and can now focus on planning for the future again.

[@helenlebel6948]

Happy Birthday Sarah!! Your advice is so valuable!! I'm only 3 years away from retirement and believe me - It is vitally important to save your $$$ and budget budget budget!!! Plus... keeping track of everything and knowing where your $$ goes is empowering!!

[@patriciamatthews4355]

Just discovered your site. I am much, much older than you and think I’ve made about every mistake you named. Except the pay day loans. Wish I could have heard you in my twenties , but you probably weren’t born yet. I didn’t really get it until I was divorced and had to support my child and myself. I know now the stress of worrying about money which I never had before. I’m much more serious about things now and hate to spend needlessly. I’ve enjoyed your talk and will be listening to more . Thank you. I know you are helping a lot ofpeople.

[@heathermayfield4247]

Red is a good colour on you Sarah, happy belated birthday! Great advice and good to know that you too have made some mistakes - it is how we all learn. It is so true 60 arrives in a blink and it is important to save a little and live a little as soon as you are earning.

[@maryannrogers8675]

Happy birthday!! Enjoy your special day. Thank you for another great video. I started out 2021 doing a low spend year. I’m aggressively paying down car and mortgage debt. It’s now turned into a no buy January so I’m able to reach my goal quicker this month and will be carrying over the no spend into February. Thank you again.

[@kelseybowman8267]

I’ve definitely been guilty of a few of those! Ha! I just posted my January reconciliation video and want to punch myself in the face for how much we spent! Creating my channel has kind of forced me to face my finances head on! Lol! Thanks for all your advice and inspiration!

[@floracurtis3251]

Enjoyed the video & you have a soothing voice, but you said "8" twice. Also payday loans are not 30% they are around 275% interest. Happy birthday & looking forward to your next video.

[@hannahsurbaugh9180]

Wonder how much the anxiety and depression levels today have to do with poor money management. Happy birthday Sara!!

[@dollardog6349]

HB! 🎉 Adding a lil’ extra to your retirement fund literally makes a lifetime of difference and is a huge one. Compound interest rocks! 🐶

[@2fixmj563]

Happy Birthday! I haven't always budgeted. I used to have an emergency credit card. You know, like pizza or chinese food emergency. 🥴😝 Now we have an emergency fund in the bank. Yes, also borrowed from my 401k but I did pay it back. Never again. Carry a balance on cc?!? Of course I did this but only for 33 years. Uh. Spending more than I make. Always in the past but not after subscribing to Budget Girl! Missed the match on 401k for many years. Dumb dumb dumb. I have had car loans but no more since Dave Ramsey debt free for me! This will for sure be your most popular video as it will always be true!

[@astermikyrmukyn]

In regards to being a co-signer. I once was asked if I could co-sign for my cousin who needed a new vehicle. Dumb me was going to until I had a hunch to ask a friend what that meant and what entailed. She told me plain and simple “if you are ok with keeping that car if she can’t pay more it. If you see yourself driving that sports car and don’t mind paying for it, do it! Be her co-signer. If that doesn’t apply to you, don’t agree to become a co-signer”. SO I DID NOT! best thing I could have ever done!

[@herleyrobinson5965]

You are so darned likable and cool with amazing contact that I get a lot of! Keep doing what you doing girl!

[@BudgetGirl]

Thank you so much!!

[@jodiburnett6211]

Happy Birthday Lovely Budget Girl. I’ve made a few of these mistakes. Hoooboy. It’s never too late to learn. Thanks!

[@rochellethundercloud346]

I would advise,given the state of events,have at least 2 solid years of expenses.bare bones.transportation.food.shelter.heat.lights.insurances.set aside in case the worst happens. Multiple streams of income.its not like when your elders were young,work a factory job for 40 years ,get a nice retirement package.them days is gone. Do not ignore debt.it will get much,much worse.best solution,call the creditors you owe,get on.a payment plan.they will happily work with you,as long as you make an effort.remember,even just $5 every payday towards debt helps chip away. The more you ignore things,such as much needed home,vehicle,etc repairs,medical issues,cleaning,whatever,the bigger the issue is,the more overwhelming it is

[@affordableliving2756]

2 years does seem a bit excessive to have just sat around. Maybe have 2 years, with 6 months immediately accessible and the other 18 months sat in a high interest/investment fund?

[@rochellethundercloud346]

@@affordableliving2756 possible.reason i say 2 years is 2020.we know how bad that is,was,will continue to be

[@conniemunroe3600]

Happy Birthday! It’s my mom’s birthday as well. Great video!

[@budgetbirdy100]

Happy belated birthday, BG!! Budgeting is THE best. I’m obsessed with budgeting and I’ve loved watching your channel grow over the years. Your budget videos from several years ago is what inspired me to start *STRICTLY* budgeting. The “budget” I used to have was usually a back of the envelope “how much rent can I afford” calculation that I’m so glad I’ve moved on from as of 3 years ago thanks to you. I would watch your channel all the time from my Apple TV. You rock!

[@XtineJohnes]

Happy Birthday Sarah!!! You're my money Guru :)

[@BudgetGirl]

I'm honored!

[@cyndirienstra945]

Good subject! In our house growing up ( the 70's -early 80s)we were responsible for all the housekeeping and had to get a job when we were 15. We bought our own clothes, cars, gas, insurance and any extras we wanted. My parents would buy us a pair of shoes, a coat if needed and underwear every year. They always said they were responsible for putting a roof over our heads, food on the table, and to make sure we learned respect, to be useful member of society, and to graduate high school. By the time i was 18 and moved out to my own apartment i was already used to handling money and setting priorities. I have always been grateful for how i was raised. Unfortunately both my husband's were /are spenders and we didnt have "the money talk" before we were married. Its so very important! I tell any young person who will listen that before you make that commitment you need to go over your list of non- negotiables so you know whether its the right decision! 😯Happy belated Birth-yay! 🥳

[@georgiaherren1671]

I just have to say, I just discovered your channel and your videos are EXACTLY what I need in my life right now!! Thank you!

[@BudgetGirl]

I'm so glad!

[@fredswartley9778]

Thanks for the advice! I have made several of these mistakes, but I've learned from them and I'm getting better with money. We live and learn.

[@katcino7415]

Happy Birthday Sarah! Thank you for all the helpful amazing information you share with us!

[@ebonitompkins]

Happy birthday! I agree with everything except the new car. Don't buy a new car if you plan to sell it but if you're keeping it forever, it's great to pay for 3-5 years and drive debt free for 10-15 more.

[@dii-N-sd]

That's exactly what I did. I bought a new SUV in 2008, kept up the maintenance, and I'm still driving it. That was one of my best investments.

[@jonnaborosky8836]

I also bought a new car once...in 2006. I'm still driving it. It's been years and years without a car payment now. I did have to have a bit of engine work done last summer, but the car was 14 years old. The mechanic, and I, think I'll be able to drive it at least another 10 years if I want. It's a Subaru. Subarus almost never die...that's why people buy them and drive them forever! I could be that little old lady who drives a 30 year old car.....

[@LifePrepared]

I buy low mile 2 to 3 year old cars still under full warranty. I let someone else pay the huge depreciation for the first 2 years then drive it for 15 years. Still driving my 2005 bought in 2007.

[@Amanda-dt7kq]

Happy birthday budget girl 🥳 Here is to another year of becoming financially savvy.

[@Your-Money-Mindset]

Love all your videos! Thank you for sharing!! I’m on a debt free financial freedom journey. It’s a good journey to be on!!

[@stacir3727]

Happy birthday! Thank you for all that you do ☺️

[@tristanrodenhauser5267]

Happy Birthday I also work for a university, the retirement plan has a match which we can keep once ‘vested’ after 10 years. I can roll it over in the future but I loose the match. It’s unlikely I’ll be able to take advantage of this match. Anyone else dealing won’t this through an employer? I’ve heard of other companies having a 3 year vesting period with larger matches.

[@juliecatalini7235]

This is such great advice. Particularly love how you covered the money conversations. So often school and our families don’t teach us about money!! So many people don’t figure out their money “type” and their partner’s “type”. Thanks for all of your videos. 😊

[@alwaysabob8962]

Great advice! Love your channel!

[@karen3876]

You do have to payback “loans” from your 401k. That is set up at the time you apply for the money. It may be set up for 3 - 5 years. If you leave your job before that loan is paid back then a lump sum is due at the time you are leaving for the remainder of what is left in that loan. You don’t get the option to not pay that back. Please check with your own place of employment for specifics.

[@bonitajordan6825]

Belated happy birthday Sarah. Stay safe with the crazy weather etc. 👍🏻♥️🇨🇦

[@corcoranmagriproperties]

This video is amazing and really really helpful!! Thanks and happy birthday! 😊

[@TheSavvyCouple]

Great video Sarah. Awesome advice and some solid money mistakes to avoid.

[@miaowmail]

Happy Birthday (OK this was 11 months ago lol) You've got Gail Vaz-Oxalade's book Money Rules in the background!!! I just finished reading it! How cool, I think that's wonderful you're open minded to read stuff from other countries! I'm in England btw we've only got one super famous money guru here, Martin Lewis, but he hasn't written a book.

[@amaliarios78]

Hi, thank you for the analysis at the beginning of the video. I never thought about how the less money we have, the more we have to be cautious

[@maggiebuffum5678]

Happy Birthday!! I hope that you had a wonderful day! 🙂

[@Erica-en2qz]

First, Happy Birthday!! 🎉🎉 Second, I've never been so early to anyone's channel! 9 minutes!

[@karendacres3129]

This is so good. It hits all the notes i have been trying to tell my friends and family over the years.

[@NS-zt1sn]

I love your video, thanks for sharing 💕

[@nt6719]

I've made some of the money mistakes you've mentioned. Most of them I wish I hadn't made. In some cases I didn't know better and in other cases it seemed the best option in a group of bad options. One of the mistakes you've mentioned that I don't regret is in 2007 I needed to replace my vehicle. I knew what I wanted and I was willing to buy what I wanted used. I was willing to go back to 2002. There were very few of that make and model on the market that were used. The ones I found were 2005 and 2006 and they were $1000 and $500 less than a new one which made no sense to me. I bought the new one. I am still driving that car and it will still go a lot of miles. I have put 2 sets of tires on it and in 2-3 years I will have to put another set on it. I've also replaced the battery 3 x. Other than that it's had very little repair and I've had it for almost 14 years.

[@jenniferbaker4392]

I think that having a new car can be a good thing if you aren’t a “trade-up” kind of person. If you consistently maintain and look after your vehicle, it can last a long time. I still have my car that I’ve been using for 10 years and nearly 70,000 miles.

[@susanwaterworth5622]

Great tips. Thank you so much.

[@theotherlauren]

The will part is super real. My parents died three days apart from covid in January, neither had a will and the bureaucracy is insane.

[@annewatson4786]

Happy birthday 🎈🎉 ! I saw the book behind you-MoneyRules!! I have been binge watching “Till Debt do us part”-she tells it like it is!!

[@Sheila-ru1iu]

Happy Birthday beautiful girl. You give hope and help to so many people! 🌹🌹🌹

[@kelliezimmerman9621]

Happy Birthday. My biggest money mistake is taking out a 401k loan. In my defense, I consolidated a few card balances and the interest is way lower. It will be paid off this year.

[@bridgettesmith3721]

Happy birthday budget girl!!!! My husband and I just love you and think you rock!

[@bellitalimbu5500]

happy belated birthday Sarah! thanks for your sharing!!

[@sandrafromscotland]

Happy Birthday Sarah 🥳 I hope you had a lovely day 😊 I consider you competent with money too 👏 Thank you for your wise words and encouragement to have the important conversations.

[@BonitaLiving]

So many great tips. Writing them all down, thank you!

[@BudgetGirl]

Glad you like them!

[@debraschroyer1878]

Good talk girl!! Congrats on your success!!!! Your doing great!!!

[@acyndoc]

Happy Birthday 🎉 Sarah 🎂! May you have a fantastic birthday 🎈. Btw great video! Cyndi in not so sunny Florida! More like cloudy, windy and a cool 72 degrees! Brrrr I'm going back to rewatch your video.

[@tiffanylikestodance4452]

Happy (belated) birthday Sarah! I hope the next year brings you tons of fond memories and laughs. So many wise words of advice. Such a great video!

[@LadyPicker]

401k match is a 100% gain on your $ . Great way to put it! Thank you!

[@lauriesell7934]

I watched all the ads for you😃Happy Birthday 🎂

[@BudgetGirl]

You rock! thank you!

[@pennybrookerfinancialcoach7681]

Happy Birthday Budget Girl! Excellent video and spot on content! I have to say that I have made all of these mistakes, except for the co-signing! But no more. I learned these lessons much later in life, but better late than never!! Good for you and your message to help everyone.

[@BudgetGirl]

Better late than never! thanks so much for watching!

[@rainbowphoenix8168]

Happy birthday!!! Great video!!

[@BudgetGirl]

Thanks for watching!

[@crystalsanaei2157]

Happy Birthday Sarah! Great advice like always!

[@BudgetGirl]

Thank you!!

[@laurac.1895]

Happy Birthday!! - Thank you for sharing your knowledge. God bless you!

[@BudgetGirl]

Thank you!

[@Jodi9810]

Belated happy birthday! I've avoided most/all of your mistakes (have occasionally chosen to purchase a new car - only when I could pay cash, and in other cases have bought used) -- thankful that my parents educated me about money from a young age so I knew the traps to avoid. I'm sorry you had to learn the hard way, but it's a gift that you're sharing your lessons learned with so many others. One mistake you could've added is to avoid -- or at least be very cautious about getting into -- "get rich quick" schemes like hot stock tips, bitcoin, etc. I'm sure some people do hit the jackpot, but a lot of others lose more than they can afford, chasing the fantasy of easy money.

[@LaLayla99]

I know I'm replying to this a year later, but I have to say a huge THANK YOU!! Yes, it is BELATED Happy Birthday, not Happy BELATED Birthday. I thought I was the only one who got that right. Her birthday was on time. You are late acknowledging it. You are wishing her a "Happy Birthday" belatedly. Yes, I realize I am a dork and most people don't care. But, it helps to know that someone else out there understands grammar.

[@Jodi9810]

@@LaLayla99 I feel you. It "hurts" to see so many grammar mistakes in social media. 😂 Sincerely, Another Dork

[@LeFae]

Happy Birthday! Feel pretty good about myself right now, I don't do any of these 'no-nos', 😁. I mean, we have done them, but we took control of our money a few years ago and we are never going back to how we were before!

[@chloemaxwell2628]

Very good advice!

[@CanvaCreative]

Thank you so much for sharing this valuable info. Liked! Subscribed and will keep coming for more ❤️ Happy birthday

[@BudgetGirl]

Thanks for subbing!

[@candiewinkel2241]

Happy Birthday! Thank you for the awesome tips.

[@kk49494]

Happy Birthday!! Love your channel.

[@BudgetGirl]

Thank you so much!!

[@patriciarobbins7876]

Happy Birthday !! Great advice.

[@BudgetGirl]

Thank you!

[@jerishull1860]

I am almost 60 (not quite!) and I SO wish I knew at 33 what you know. Love your channel, new sub. Sounds like we grew up in the same family. LOL

[@BudgetGirl]

Welcome to the party sister! :-D

[@sarahc9712]

Thanks for the great info.

[@hollyl3038]

I have so many things I would like to chat with you about really enjoy your videos keep up the work

[@arielcarvalho3199]

I have avoided most of them so far, but talking about money is still such a delicate topic, especially with my family. I don't plan on getting a car within the next couple of years, but getting used cars can be difficult depending on the brand/model cuz they often get discontinued or some parts can't be found in my country when they need to be replaced and importing makes the whole process super expensive! I just KNOW that I'll have analyze a lot of stuff whenever I decide to buy a car and I get a headache just from thinking about that, but I know that being careful and critical will pay off!

[@arielcarvalho3199]

@@jeffmills4536 Having a car could get me extra job opportunities cuz the public transport system in my country is not terrible but it's super crowded during peak hours and that makes it impossible to arrive at some regions on time... It's not a problem I have rn, but it's just something that happens over here. So, if I get a better job (I'm still fresh out of college), that's something I'll have to (carefully) think about

[@DearDebt]

Happy happy birthday! 🎉❤️

[@MissJuliesMontessoriMinutes]

Happy Birthday! Always look forward to your videos!

[@chibioniyuri]

Happy birthday! I'm listening to this and kind of cringing because I committed so many money no-nos. For one, with my first job, definitely did not have a budget. I knew roughly how much I had in my account and sort of mentally tracked things, but I could swing by $100 either way every month. This is where I also committed my second and third money no-no: didn't save for more than a basic $1500 emergency fund and carried a credit card balance. Fourth and kinda fifth and sixth money no-nos: bought a new car and asked my mom to cosign the loan (so the true no-no was made by my mom, but I participated). My mom had to cosign for my first (and only, I still have that car) car loan because my credit wasn't high enough yet. It turned out well, I made more than enough for car payments, but I understand that maybe that isn't common. Though the only reason I had a car loan was because I thought you had to buy a used car outright, whereas you could do monthly installments for a new car. I told my dad pointblank, "I can't afford an older car, but I can afford a new car." For some reason, he didn't correct me lol. And thus, kinda sixth no-no bc we didn't talk about money, but at least I was trying! And for the final no-no, bank fees. I started off using Wells Fargo because my mom did, and I paid $8 a month for not having a large enough balance. And last year was a bad year for me for reasons other than the 'rona, so I made.... two? late payments, I think. Definitely not happy with the late fee. Thanks for these tips. It's funny to think of where I started, how far I've come since then, and how much farther I need to go. Definitely need to work on those debts and growing my emergency fund.

[@imma_cat]

Happy birthday! Mine was the 15th and I turned 32!!! 🎂

[@sylviamaxwell504]

Thanks for theses tips

[@Lisamiles1989]

So important and very true! Thanks for sharing :)

[@martaehulech6474]

Happy Birthday Sarah!

[@lynnek4238]

Happy Belated Birthday 🎂 Love your videos

[@BudgetGirl]

Thank you so much!!

[@j.chayo45]

Happy Birthday! I will never sign up for a MLM scheme again.

[@dravonwalker2352]

I agree with everything you’ve said though I have learned there are exceptions to many of them. Example; My husband is a no-debt person. He’d rather sell investments than get a loan - though knocking down long term compound interest returns for short term gain has me grinding my molars to dust. We bought a new car, like 8 miles on the odometer, because we got a 0% loan on it and because I know that I drive a car until the wheels fall off. I had to fight tooth and nail to prevent him from selling off interest bearing stocks to pay off a 0% interest loan. Ugh!! That was 11 years and over 250k miles ago and the car is still going strong with no major repairs. In that instance, with those factors in play, it was a good money decision.

[@inea-fijourney22]

Thank you for sharing. Always dropping awesome content. btw... I just noticed that FinCon 2021 is in Austin!!! I live near Beaumont, soooo I think Ill be going, have been wanting to go for soooo long! Will you be there? Cant wait to meet all my favorite content creators.

[@BudgetGirl]

I'm planning on it! If you see me, please say hi!

[@thisishowweroll8649]

Happy birthday! Love that sweater on you. :)

[@superasomenelly]

Happy birthday girl!

[@PaxPixie]

I'm currently doing like 6 or 7 of these. :S But most of them stem from being self-employed and not having steady/repetitive income. It's extremely hard to budget when you don't know what will come in when. I've been getting better, but it's definitely tough. I've never gotten a payday loan, but I have definitely paid late fees & overdraft charges. Luckily neither of those in the last 5 years or more. I'm turning 40 this year and I'm hoping this is the year I'm finally able to manage my money properly and also make enough money to manage. :)

[@BudgetGirl]

Knowing that you're not making the best decisions is the first part of progress! You got this. rooting for you!

[@mercedesb.5017]

Happy Belated Birthday !!! 😊🎁🎉🎂

[@BudgetGirl]

Thank you!!

[@FlaKNMB]

Great rules to follow. Happy belated birthday.