Budgeting 101 | How to live the life you want & not live paycheck to paycheck!

[@coffybelle7534]

This is right on time. I’m starting a new position in May and it’s the most money I’ve ever made. I want to make sure I budget well and not just be spending just because I’ll be able to.

[@layalopez5390]

Congrats girlll 💞💞🙏🏽

[@FromHeadtoCurve]

Congratulations boo! Yes!!! I wish I would have done this when I started my first job! Do this & you’re ahead of the game 🙌🏾

[@youlovejade2752]

Girl I feel you and congratulations on the promotion sis ... 2020 ur year fr !

[@MDWJS]

You are ahead of the game. Congratulations on your knew job.

[@SoAnxious718]

Just Shawne congrats! 🎉

[@thebeautystarlet]

I LOVE that you talked about tithing first!!!! It's so incredibly important and such a necessary part of worship for the body of Christ. God gave me the job and the ability to do the job so technically it's ALL his! He just gives it to us to steward!

[@FromHeadtoCurve]

You better preach!!!!! I am so into learning about being a better steward for Him 🙌🏾

[@miaandsonnavigatinglife4596]

I don’t have a church home but I do feel like I tithe by helping those around me without feeling obligated. I pray God sees that.

[@1charmaineb]

This is speaking to my soul... but honestly is it very hard to save. I've cut down significantly on shopping. I've cut down significantly on eating out. But still... it is difficult. I live in nyc and we all know cost of living is through the roof. I needed this video. Thanks Ashley!

[@FromHeadtoCurve]

No lies here! It can be difficult depending on how you view it. Some people think they have to pay lump sums of money in order to be considered “saving effectively” not true at all. Even if you chunk $10 every 2 weeks into your savings account you’re still doing good. It’s about consistency & discipline. Work your way up to the 10%.

[@1charmaineb]

@@FromHeadtoCurve 💕💕

[@Roses-Peonies]

I am also a Senior Accountant but, in SF, CA. I most definitely have a budget almost exactly to your template. Fellow S.A. approved!! 👍🏾👏🏾🥰

[@FromHeadtoCurve]

Haha 😂 Yaaaaasssss! Thank you boo!

[@taytay84]

Well sis ur the accountant, so I'mma follow what u sayin. Appreciate cha wit the up most.

[@FromHeadtoCurve]

😂 no problem Hun!

[@christalpinchback]

I absolutely love this channel and how “normal” you are! I think your content is relevant, relatable and fun to watch. I feel like I’m watching my friend and she’s telling me how to get my life together. Be blessed!

[@FromHeadtoCurve]

Aw I’m so glad you enjoy everything Hun! You’re such a sweetheart. 😘💖

[@naomiscollectionofvideos4231]

0:14 so you can see there are normal people actually out there in the world 😂👍🏼 I loved that and am so happy to have found you on KZbin!

[@FromHeadtoCurve]

😂 I’m so glad you found me too Hun!

[@aja8759]

This video came at the right time. I've been living paycheck to paycheck, not necessarily by choice 😢

[@FromHeadtoCurve]

I definitely understand babe! It will be a bit uncomfortable at first, but I promise you it is so worth it. The peace of mind alone is enough to make some changes. Please let me know how things go 😘🙏🏾

[@charleneadams8809]

Gurrlllllll I LOVE having smart friends!!!😉 Thank you so much for taking time out of your busy schedule to do this. You better know I’m running right over and getting this budget planner. You are the BEST!!!!

[@FromHeadtoCurve]

Aw you’re so sweet ☺️ I’m glad this came at the right time for you! Let me know how everything goes!

[@nadiasafanalubis540]

Found your channel from the Accountant Pro's and Con's video and currently binge watching every single one of your videos.. ;) I'm 17 and you are such an inspiration! I pray the Lord I can be like you when I'm older! :)

[@Libra8410]

You have really good video content. Everytime I see one of your videos, its something interesting 💕

[@FromHeadtoCurve]

Aw thank you Love 💕

[@annav1859]

Hey Beautiful Ash, this is so helpful. Thank you for doing this. I'm starting to rebuilt my life again, and yes I did bankruptcy. I'm not falling on that again. Being smart and saving your money will save you so much. Thank you love again 😘💜🙏

[@FromHeadtoCurve]

No problem Hun! You’ve got this! Bankruptcy was your past now financial freedom is your future 🙌🏾

[@annav1859]

@@FromHeadtoCurve Thank you so much. You are a great friend. I'm bless to have bump into you and your channel.🙏💜 Have a blessing weekend.

[@FromHeadtoCurve]

Aw thank you Hun! So are you! Have an amazing weekend 😘

[@Jebe2013]

Loved this! I especially loved your emphasis on the first ten percent of any income!

[@FromHeadtoCurve]

Thank you! I’m so glad you enjoyed it!

[@BubbleGlam93]

UGH thank you Ashley! I just secured a salaried position and I am going THROUGH it trying to figure out how to make the most out of it. These student loans girllll

[@FromHeadtoCurve]

Hey Hun! I’m so glad this video came at the right time for you! Congratulations on your new job ☺️ you’ve got this!!! 🙌🏾

[@HeyItsMaori]

I am creating my budget from my first true paycheck right now. You have good insight and I am enjoying the process.

[@FromHeadtoCurve]

Aw yay!

[@dianaj107]

Thank you for sharing your information on budgeting. I need to start budgeting more and less spending. 💜

[@FromHeadtoCurve]

Hey Hun! I’m so happy to help ☺️ anytime!

[@saquoiag]

I loved this video! I’m an aspiring accountant (currently a student) so, this was really cool to see.

[@FromHeadtoCurve]

I’m so glad you enjoyed it ☺️ & I hope you love your career.

[@GirlsLikeMeInc]

The whole video is on point. And I'm about to get a job. I live with my granny so thank you for the reminder because it gets to me sometimes. Great video! Going to use all these resources.

[@FromHeadtoCurve]

Congratulations on this time in your life Hun! I’m happy that you get this opportunity to build & set a great foundation for yourself ☺️ not many people have this opportunity. Stay focused Hun! 🙌🏾 I’m so excited for you

[@lakishialashae4196]

I honestly feel like I pay tithes whenever I pay taxes! great video and amazing tips!!!!

[@FromHeadtoCurve]

Lol 😂 the realest comment ever!

[@sneakpeekofneke]

Just purchased my personal & business budgeting template. Thank you so much! I am excited to use this to help me get on track financially. God bless 🥰

[@FromHeadtoCurve]

I’m so glad Hun! I pray it helps you be organized & have a clearer view of getting to your goals! God bless you too! ☺️😘

[@TheQueenEsther24]

You have NO idea how much of a blessing this video is for me! Especially the touching on of tithing. I’m a single mom of two and it’s soo hard, but I know I’ll get there. I Thank God for you 💕.

[@FromHeadtoCurve]

I definitely understand Hun! My sister is is the same situation & I see how hard things are for her. Ask God to give you strength & put His word to the test. I pray things get a lot easier soon Hun!

[@TheQueenEsther24]

From Head to Curve Thank you very much!

[@lalita2688]

I am so late to subscribing to this wonderful, intelligent, and humble individual. Thank you very much for the great resource you provide for the average person out there. I will be starting my personal budgeting goals this year and you are a great resource to have. Thank you very very much. Wish you the best with all your personal ventures.

[@FromHeadtoCurve]

Aw you’re so kind Lalita! I’m so glad you enjoyed the videos & im happy to have you here ☺️💖 please let me know how everything goes with your budget! Wishing you the best as well 💖

[@patricebarrett5845]

I done bought this plan two times because I didn't email it to myself from my work computer. Lol but happy to support #bgr . Maybe since school's out I can get my life together. I've watched the video a few times. I do have my savings, I religiously pay tithes. I like how you said "give your self time". Still have a lot of room to grow.

[@bbee678]

This was so helpful, thank you so much! I’m in the process of trying to pay down student loans and I’m living at home so I’m definitely trying to take advantage of it

[@FromHeadtoCurve]

Perfect! I’m so glad you get to take advantage of most of your money. This is like the best set up for you. Can’t wait to see how well you do ☺️

[@HAIRMODEL4YOU]

It took me 14 years to pay my student loans. I am much older now and what I can tell you is stay at home as long as you can. Pay off your bills and stack your money for the future.

[@kthename08]

Same here!

[@deandriabutler-keyes8164]

A fabulous production of valuable content. Blessings on Blessings.

[@gracefullysav3d]

Glad I found you! I loved how you included advice for us who are living with others etc ☺️

[@d.elainem664]

Thank you for that infomation. I have a high FICO, but I will implement the written budget after I finish seminary. I also have 2 businesses, so I will use both of the budgets. Thank you again. Great job!

[@idralewis6953]

I love everything about your channel❤️🙌🏽 One of my happy places☺️

[@FromHeadtoCurve]

Aw thank you gorgeous! I’m glad to have you here 😘❣️

[@Leevon74]

This video was well needed , on point,and just💥💥.. aint nobody trying to be po no mo😂😂😂😂.. thanks lady🤗🤗🤗

[@FromHeadtoCurve]

😂😂😂 too funny! I’m so glad you enjoyed it Hun!

[@gwendolynburtonstaples5166]

This video is amazing. Love your breakdown!!! Very helpful

[@FromHeadtoCurve]

I’m so glad! I was worried because editing it had me about to go to sleep 😂

[@gwendolynburtonstaples5166]

No I am a true note taker so I had my journal out. I recently started watching your vlogs on my home T.V. and was so excited. I just subscribed because I was watching them on my KZbin app. Your channel is inspiring, helpful and motivating. Love it❤

[@SA-jk5ci]

Thanks for making this video. I'm debt free including my house but it is always good to hearing new information on how to budget.

[@FromHeadtoCurve]

Congratulations 🎉🍾 that’s so awesome!

[@SA-jk5ci]

@@FromHeadtoCurve Thanks

[@poet82n]

Loving this video. I did most of these steps over the past few years. I just became debt free in July 2019. Now I've been working on my savings. It's true...you have to write it down on paper to get a visual of what you're up against. That's the part most people overlook. It can be intimidating but how bad do you want it. My goal now is to save $10k by December and declutter my life which I've consistently been doing, especially with people. I want to purchase a home within 3-5 years. This will give me time to stack my $$$ so that when I buy I won't be "house poor" but will be able to buy with a savings and cushion account in place for security and emergency purposes.

[@FromHeadtoCurve]

You got your head on straight suga!!! Yes, so many people get intimidated by writing down their current situation or they just don’t want to take the time to do it. Congratulations on being debt free babe! 😆 I know you feel so good & peaceful 🙌🏾

[@poet82n]

@@FromHeadtoCurve Yes. It feels good. And once I hit $10k savings by December, I'll feel even better. I want to save 1 year's worth of living expenses, which will take a couple of years. Once that's saved, I'll start my house fund (about 3 years). One step at a time. I think some people have to hit rock bottom before they "get it". I hit homelessness pretty hard where I couldn't even afford a cup of coffee. Now I'm debt free but it took time to build stability. This is a microwave generation. No one wants to take the time to put their debt and savings goals in a slow cooker on low and watch it rise to a point of completion. That's the way I see it. Not to say it can't happen quicker but we need to give ourselves time and be proud of the small momentum we're building.

[@beautifullrose88]

I follow Dave Ramsey and also use the every dollar app. I have a budget planner, I will purchase your template as well. It’s nothing like good ol pen and paper.

[@FromHeadtoCurve]

Yay! I’m so glad you were already hipped to the game from him! He is so good in how he teaches better money habits.

[@CMR0405]

Ewwww This is good stuff. I have to go to work but I'm definitely looking fwd to finishing this video!

[@FromHeadtoCurve]

😂 thank you babe! I hope it is useful stuff for you ☺️

[@youlovejade2752]

Why you reading our minds with this content .... I did minimalism last year and this year struggle. Thanks for this video boo

[@FromHeadtoCurve]

Lol you got this babe. It’s not walking on clouds but it’s definitely not super hard. May be uncomfortable at first but it’s always worth it.

[@MA-eq5pu]

Hey Gal...you got a new subscriber here...Thank you for the video

[@FromHeadtoCurve]

No problem babe! I hope it is useful for you. ☺️ glad to have you here

[@kyshawilson6339]

This was so good!!! My husband and I just moved to Katy Texas and have always had someone do our taxes back when we lived in North Carolina by us not really knowing anyone yet, how easy is turbo tax? I know it’s cheaper than getting someone to do your taxes, but we are NOT accountants either lol!

[@FromHeadtoCurve]

Lol congratulations Hun! I hope you guys really enjoy it here in Texas! Turbo Tax is perfect! It’s actually built for non accountants so it walks you through your taxes every step of the way. Even if you ask for CPA assistance for the year through Turbo Tax, it’s still way cheaper than getting someone to do your tax for that one year.

[@kyshawilson6339]

From Head to Curve Thank you we will give it a try, and we will also get your spreed sheets ! You are so very helpful!!

[@justinmarin2455]

This is just fantastic!! Definitely gonna purchase . ❤️ur channel

[@FromHeadtoCurve]

Thank you! ☺️

[@ModestVirgo369]

Question: This year I want to be debt free! I have every bill imaginable especially clothing, student loans, and medical bills. I don’t know how to start or where to start. Can consolidation be an option? What options are available?

[@FromHeadtoCurve]

Hey Hun! This is exactly what I was talking about in the video. Get the balances of all of your debt, list them from the smallest to the largest, then go through your income and all of your expenses (i.e. create a budget) and figure out how much money you can allocate to drastically paying off your debt. Start with paying off the smallest debt first and making minimum payments on all of the other debt. Once the smallest is paid off then take the amount you were paying on the first smallest and apply it to the next smallest plus that debts minimum. Keep doing this until all of your debt is paid off. Make payments towards your debt every time you get paid. And yes I would definitely call the student loan lender and consolidate your loans. The sauce is in the budget. You’re not going to know what to do until you know exactly how much you bringing in and exactly how much debt you need to pay off in order to be debt-free. That’s why I created the budget template. If you list everything out and make this your first step, then you’ll know what your next step is and how much you’re working with to pay off your debt.

[@ModestVirgo369]

From Head to Curve Thank you!

[@shantryce375]

Great video. Could you do a video on what reports business owners should review every month? And what we should bring to our accountant at tax time. Im a home based LLC

[@suzzettewilliamsperkins9782]

Ashley thank you for this so much insight and you're right on time my pastor was just talking about giving and tithing on Sunday have a blessed weekend Beautiful ❤👍

[@FromHeadtoCurve]

Look at God speaking 🙌🏾 I’m glad you enjoyed the video Hun 😘💖 have an amazing weekend

[@lesliejohnson7683]

Loved the video. Love your channel. Please do more in this series.

[@ashleyjewels236]

Hi Ashley!! Hi!! My name is Ashley as welland I’m an accountant. I just found your channel and just subscribed. I love your videos!!!

[@MissNaturalShay]

Thank you sis. I enjoyed this video and I need to grab the template to help me with my budget. I’m working on paying down debt. I love the pink floral dress at the end of your video.

[@FromHeadtoCurve]

Thank you Hun! I really hope this helps with your progress of paying down debt ☺️ you’ve got this!!!

[@aktwist888]

Thank you. This was very helpful!

[@FromHeadtoCurve]

I’m glad you enjoyed it

[@meggo0515]

Love this! Please do more of these 😍😍😍😍

[@FromHeadtoCurve]

Thank you Hun!

[@wendyjefferson1750]

Hey Ashley, l just watch your video. Great information!

[@latanyahaynes808]

This is amazing. Thank you

[@FromHeadtoCurve]

I'm so glad you enjoyed it!

[@gracefullysav3d]

Hello Ashley, I'm coming back to this video because it is so helpful!! I have a question ... how many accounts are needed and any advice on managing them, please? I am 22 living with my mum. I work part-time (paid weekly), and I am in fulltime education. Thank you

[@BiancaChristina]

Thank you fo this. I have been doing this method., also picked up a second job to get through my debt down quicker

[@FromHeadtoCurve]

Yes ma’am!!! I love seeing a hard working woman going after what she wants! Keep pushing gorgeous ☺️💕

[@BiancaChristina]

@@FromHeadtoCurve thank you so much, its hard, but i make it work!

[@VariousAndSundryBee]

Can you do a video about budgeting when you don’t have a stable income because you’re in college or something?

[@FromHeadtoCurve]

Hey Hun! You can still live by the 30•70 or 40•60 rule since they’re percentages & most likely you’re not paying rent. You can live on either 30% or 40% of your income & take the 70% or 60% to save & pay down your student debt.

[@Porsacha]

Shining star!!! Thank you for making this!!

[@FromHeadtoCurve]

No problem at all Hun!

[@janinehoke1166]

Hey girl hey!!!!! awesome confidence...love it!

[@FromHeadtoCurve]

Thank you!

[@Hotgurl53]

thanks very imformative

[@sfedrickbridges]

Very helpful, need to watch again. Share your expertise more often.

[@FromHeadtoCurve]

I’m so glad this was helpful Hun ☺️

[@ModestVirgo369]

I need this!

[@FromHeadtoCurve]

I hope it helps Hun!

[@scarletjazz]

Great video! I just ordered this budget. Thanks

[@FromHeadtoCurve]

That’s awesome Hun! I hope you enjoy it 🙏🏾

[@mikeydavid7209]

Thanks love! 💛💛

[@FromHeadtoCurve]

Thank you for watching! ☺️

[@Solmom03]

I like that this will kinda forecast your financial year! Does this work on mobile devices too? iPad specifically?

[@FromHeadtoCurve]

Right! I thought that would really help people see their finances for the year. Yes! You can use this on any mobile device which makes it perfect to budget in the go!

[@TracingTriv]

Hey! I loved this video!! I’m a young entrepreneur and I do hair & sell hair. I’m trying to quit my nursing job can you please go into more detail about how to save that cushion fund please! 💕✨

[@FromHeadtoCurve]

Congratulations Hun! That’s an amazing goal. I did discuss how to save your money in the video. Are you able to give me a more specific question on something that might not have been clear about the cushion account?

[@jenniferdavis4627]

Awesome advice! Thank you for sharing!

[@FromHeadtoCurve]

No problem Hun!

[@nellyokello7688]

Thanks for this beautiful

[@tiffanygrateful5522]

I'm paid bi-weekly and that's how I track my expenses. How would this spreadsheet work for someone who' budgets twice a month?

[@FromHeadtoCurve]

I’m the same. I’m salary but I still get paid biweekly. So whenever I get paid I sit down to pay bills & allocate money & that’s when I budget. So I do it twice a month. Just add how much you have gotten paid in the same cell for that month. It should be the total amount.

[@blueandpopsicle407]

New sub here and I love your videos. I've been binge watching them all week.

[@FromHeadtoCurve]

Hey boo 🙋🏾‍♀️ I’m so glad you like them & decided to stick around Hun 😘💖

[@LT_0623]

Thank you so much for this video! ☺️I needed this! I’m trying to purchase the templates but it kept telling me to create a paypal account.

[@monnea2407]

Well said sis🙏🙏🙏🙏 u have to give God his due

[@FromHeadtoCurve]

Amen 🙏🏾

[@PamelaGrace31]

This is soooo good!!

[@FromHeadtoCurve]

Im so glad it’s helpful Hun!

[@jadajaliyahful]

I need this girl!❤️

[@FromHeadtoCurve]

I hope this helps Hun!

[@jadajaliyahful]

From Head to Curve yes it was very helpful! thanks for the tips 😊

[@andromedanightshade522]

I appreciate the video and it was super informative but I don't think I will be able to use the exact plan since I only bring home 1600 a month and my bills are roughly 1200 not including gas and food. But it is giving me ideas to try and make me work for me. So thank you for the video.

[@FromHeadtoCurve]

No problem Hun! It's definitely just a guideline. Do whatever works for your household :)

[@andromedanightshade522]

It really did give me a lot of good ideas though so I do really appreciate it

[@akireodd]

Lol. The charitable 10% is where you lost me. But I'm back.

[@titiannamcgriff4651]

Hi Ashley! I noticed you mention the snowball method but also mentioned the avalanche method by paying off those bills with a higher interest rate, do you recommend put a small portion towards each debt at a time or is it mite efficient to focus solely on one debt at a time? Thanks so much in advance ☺️

[@FromHeadtoCurve]

You should definitely be paying the minimum on all of your debt, and paying extra money on top of the minimum for the smallest debt until it’s paid off. Then do the same for the next smallest. But you should be focused on paying all of your bills on time as well, so keep paying the minimum on everything while you do this.

[@tasheharris9830]

Question , in the 40/60 rule, I know the 40% is for my living expenses, and the 60% for savings and debt, which of these sections should I apply my 10% tithe?

[@michellegomez5429]

I needed this video. As I use to know how to budget, I started back working full time & its been 2 yrs but I've been spending. I'm not in debt but I do need to pay somethings by deadline. I love that Eloquii dress on you. You look great..

[@FromHeadtoCurve]

Thank you so much Michelle! I’m glad this video came right on time for you. I was the same way with my payments before I created a budget. It has made it so much easier for me ☺️

[@veronicab.2951]

Great video I will definitely be doing this 2020!!!!!!!

[@FromHeadtoCurve]

I’m so glad Hun!

[@bigmamashouse6695]

Good video! Very informative. 👍🤗TFS!

[@FromHeadtoCurve]

I’m so glad! Thanks for watching Hun!

[@janayewill3883]

Do you recommend paying car notes twice a month

[@victoriousStrengthen]

Thank you for an amazing much needed video especially during this uncertain time!!! You should check out earn your leisure KZbin, IG page, and or podcast. Everyone is craving financial literacy you’re in an unique position to share the very knowledge people a seeking. Thank you again!

[@FromHeadtoCurve]

No problem! I’m glad you enjoyed it!

[@JustMeThinkingAloud]

Question: is there a place on the budget template to include what you may already have in savings? I didn't see it on the video.

[@FromHeadtoCurve]

Great catch! What you can do is put your current savings amount on that same line in column D (should be cell D11) then in the formula at the end of that line (cell Q11) edit the formula to include cell D11. So your total formula in cell Q11 should be =Sum(D11:P11) This will add what your balance is now to what you put in your savings through the year. Let me know if you have any other questions ☺️

[@shatamaja]

In South Africa, would like to purchase the personal budget planner. Is there an alternative payment method of I don't want to use PayPal?

[@FromHeadtoCurve]

Hey Hun! I think you emailed me, but the “create PayPal account” link takes you through checking out as a guest without a PayPal account.

[@leklekjasmine416]

Up early for this one lol

[@FromHeadtoCurve]

Yaaaaasssss! I hope it is helpful for you

[@angeliquefrost7735]

💕💕💕

[@shadorismartin]

Hey! Is there any other way to pay for this? It’s telling me to create a Paypal Account. I don’t have the passwords for PayPal anymore.It’s also not allowing me to checkout as a guest. Thanks!

[@FromHeadtoCurve]

Hey Hun! The “create account” link allows you to check out as a guest. It’s weird but you have to click that link to get there. Is this where you were?

[@shadorismartin]

Oh okay! I didn’t click on that! Thank you !!!!!

[@chinesasteward7342]

Yessssssss!!! Tithe faithfully!!

[@FromHeadtoCurve]

Amen!!!

[@marty9882]

❤️❤️❤️

[@FromHeadtoCurve]

💖💖💖

[@marty9882]

From Head to Curve 😘😘

[@Roses-Peonies]

Can you provide links to your business so, we can support, please?

[@FromHeadtoCurve]

KZbin, Instagram & my blog are the businesses I’m referring to ☺️ they’re linked in the description

[@Roses-Peonies]

@@FromHeadtoCurve thanks babe!

[@janayewill3883]

I choose to pay my parents 200 but I think I need to stop for s while I took a pay cut due to school

[@evedansdaughter]

I read 101 as lol because money matters are a joke to me. Haha. Sorry i need to adult. Let me watch the video now

[@FromHeadtoCurve]

😂😂😂 this was too funny!

[@evedansdaughter]

From Head to Curve lol. Aaw you responded. Love your videos all the way in Kenya 🇰🇪❤️

[@sarahsselflovelifestyle463]

God's blessings are not contingent upon people/Chirstains paying tiths... Where in the Bible does it say that?

[@FromHeadtoCurve]

Hey Sarah! I'm not sure what you heard, but I definitely didn't say that God will only bless those who tithe. What I did say is paying tithes is obeying God as He mentions to do this many times throughout the bible. You can start at Malachi 3:8-12 or Proverbs 3:9-10 if you need some examples. I also said that everything you manage will be protected if you tithe God faithfully. I'm not sure where your comment is coming from.

[@lwilliams4198]

Are you supposed to focus on paying down the debt and then start saving the $1000 later. Or work on both?

[@patricebarrett5845]

Hey good question . I believe she just said about savings and debt if you have NO savings we should start there first . It’s def not the easiest thing in the world but it’s her tip after tithes

[@FromHeadtoCurve]

Yes! Start saving the $1000 emergency fund first, then focus on debt, then focus on your 3-6 month cushion account. Look at paying your 10% tithes for the rest of your life, so that is done while you are working on everything else.

[@angelahoward6256]

I believe a Christian will not just stay with someone rent free. That is not Christian, even if it's your parents or family. It sounds selfish. If they won't take the money save it in a second savings account and when you leave and have your own place, put it in their bank account or give it to them at your house warming party. To say how much you appreciate them. Save money by not shopping and not eating out, cutting off lights, and not buying things you don't need. No one likes to know they pay all the bills and the person living rent free is got something new every time they walk Thur the door. Think about it. Let a stranger live with you that you trust and see what you think. Like a third or fourth cousin.

[@tinuo]

Need to find the right church to pay my tithes to. Not all can be trusted

[@lashonda5154]

Tithe what you can afford

[@lizg451]

Do you take personal clients...cause this young lady right here needs help

[@FromHeadtoCurve]

Lol I may start consulting soon ☺️