How To Start Living Below Your Means | Clever Girl Finance

[@nogaaalovely7460]

My mom died 6 months ago and my dad a year ago. I decided to sell off evrything and pay the debt I have left while building both my savings and emergency funds since I plan to move in a year.I start meal prep all meals, no shopping, use what I have and plan to live a stress and clutter free life. Thankyou for this awesome video

[@KeepItReels]

Write a helpful book about what you just said...Get Paid!

[@neetsdomination]

So very sorry for your loss(es) Love!

[@kiamichelle7921]

Very sorry to hear of your loss😢

[@rachaelnuchols764]

So sorry for your loss ❤...praying for you 🙏❤

[@Clevergirlfinance]

So sorry for your loss ❤️

[@aquafina6544]

I'm old school and i started my budget and savings plan with envelopes. I found that if you see things physically your brain absorbs the habit quicker and embeds it onto the brain.

[@Clevergirlfinance]

I love this!

[@aquafina6544]

I meant to say I also did the envelope thing in my late teens and I'm revisiting this currently bcus things are about to get rough and A LOT of ppl are gonna be shook bcus they have NEVER had to budget and buckle up. Soon come a rude awakening for many.

[@janetolabode]

I started living frugally since January. I also stop buying clothing. I shop inside my closet. I plan to assess my finances in June.

[@Clevergirlfinance]

You are doing great!

[@candy2325]

I paid off my car two months ago and it feels like I got a raise 😅 I use the extra money towards paying down my last debt and saving. I do zero based budgeting and the cash envelope method and it’s a lifesaver. While I’m being responsible with my finances I make sure to set aside money for fun experiences like going to the movies, concert, day trip out of town ,etc. I wanna live my life too

[@marcusgray2799]

Good job

[@anitranovak2459]

Super✨✨

[@Clevergirlfinance]

Great job! Congratulations!!!! And yes to fun money!

[@barbaradarragh5337]

I paid off my car three months ago and it was a monkey off my back. I feel so free now and have a little extra money to play with and to save and to stock up.😂🎉😅😅😅

[@shimalovespeaks3472]

What is zero based budgeting?

[@treluvstrees999]

Great video! I have always been a saver and more frugal but it is easy to fall into a trap. My biggest tips: 1. Before purchasing , walk away and give it a day. 2. Eat the kids meal! The portions and the price are less when eating out. 3. Keep a healthy snack in your car. I cut up veggies for the week, throw them in a little reusable baggie, and keep in a little cooler bag in my car. No stopping for fast food. And my waistline thanks me!

[@demi2053]

Yes! Heavy on the eat kids meal. I thought I was the only one that did this. I do this because I also get full really quick & it’s waaaay less calories too. Win win in so many situations

[@Clevergirlfinance]

Love these tips!

[@gail_hlatshwayo]

Waistline part 🔥❤️

[@nkechiineh7554]

Amazing tip 3. I already follow number 1. Thank you for sharing. ❤️❤️❤️

[@mshegog8780]

Great tips! Thanks!

[@Potatoesarelife234]

I'm a single mom with a chronic illness. I feel like im drowning but I am able to save 10 percent of my income so I feel a bit better. Will definitely use this to help us

[@AMERILOGIC]

People think I'm rich, I'm not I'm a GOODWILL shopper. I drive an older car, no car note. We can do this.

[@Jfwqs7212]

They call me el cheepo but I have no debts and I don’t need to borrow. I have articles from Goodwill that they keep begging me, yet they refuse to enter the secondhand store.

[@AMERILOGIC]

@@Jfwqs7212You are very smart. Big compliments to you.

[@JCAngelG24]

Goodwill shopper here, too. I seem to always find something I want at Goodwill when I often don't at department stores. Have found brand new items, most recently two sweaters each costing $7.00; perfect for wearing with dresses, slacks, or skirts. I found two amazing Turkish juice glasses that were worth about $30. I dropped one and it did not break! ??? I found a very nice laptop bag as well as a purse that was large and without marks. My car is a 2007 sedan that currently has approx. 80,000 miles, and still runs quietly.

[@Jfwqs7212]

@@JCAngelG24 I have clothing from Goodwill with the tags still on, a win for frugality.

[@JCAngelG24]

@@Jfwqs7212 I cannot tell I lie, I do too. But I'm still excited about wearing them. I'd rather shop my own wardrobe than those stores that now charge an arm and leg to purchase and call it a sale. Do we really look that stupid?

[@Poerenn]

Avoiding the salon overall (whether its nails, hair, whatever) is a huuuge game changer for a lot of people. Doing it at home may not feel as fancy or glam but a nice smelling candle goes a long way lol.

[@spatty2589]

Yes, this advice works. I lived below my means, saved and invested while my kids were in school. After they graduated I splurged on everything I wanted. New "used" lexus, trips, and dining out. I still save and invest @ 20% of my income. Set up the investing (savings) automatically each month so I don't miss it.

[@Clevergirlfinance]

Thanks for sharing!

[@innatearts2024]

Hey

[@Safa-gq6jm]

What kind of investements

[@spatty2589]

@@Safa-gq6jm I have a pension through my job and a 403B tradition mutual funds account. I have a 3rd account with fidelity that I use to stash savings in a checking account that pays 4% and other investments in FXAIX, FDGX, ETFs, AAPL, LLY individuals stocks.

[@kiaharper7172]

Listen, y'all. I had a physical breakdown when I FINALLY sorted through my finances l. Just for the minth of March, I spent 1800 on "bull shit" spending. I kidd you not. I cried the entire day...then I began to write a goddamn budget. Could you imagine 1800 bucks invested?! Im disgusted, but now I'm intentional about becoming frugal.

[@shiningstartc]

11​@Graveyarddaisies

[@bryanreyalcordo6160]

Same😅😅😅

[@maryl234]

hahahaaaaaaaa

[@asnelcharles]

This is me

[@VitalBigras]

You can do it 👍🏼

[@arthurmantzouris4413]

A food saver is a machine that is used to freeze yr food be taking out air in the bag it makes for u. It takes out the air when putting in food in a bag and then it seals it up allowing u to freeze yr food without it going bad. It lasts for a really long time......😊😊😊

[@lindiemoon]

I am not the target for this vid, but still so helpful. I live below my means, in fact worked very hard to live so frugally that we paid off mortgage last year. But I realised while watching this that the strange “off” feeling I’ve sat with since going debt free comes from having a lack of a financial plan or goal. For so long the only goal, the only plan was paying off our mortgage ASAP. I don’t know now if it’s about focusing on retirement fund now or something else or several thing, but you’ve given me some food for thought (and a revelation!) thank you

[@Clevergirlfinance]

So glad you found this video useful!

[@tiffanyjohnson4271]

All of my extra money goes on eating out. My kids always want to eat out even though I do cook. But I’m making progress bc I’m making them eat at home more. I haven’t been shopping 🛍️. I will start saving more with each paycheck

[@gerhard6105]

We Dutch only eat out on special occasions. So, maybe 2 or 3 times a year. Last spring because of my birthday and in July because my best friend and I know each other for 30 years. That is enough. It must be special.

[@user-nm6dr4uy3d]

When I first started budgeting, my number one mistake was that I was unable to say "no". I would overspend in one category and then try and fit the cost into another category by eg pinching from my food budget to buy more skincare. But I realised that the point of budgeting is not just to control your overall spending but also to decide how much you're willing to spend on each category and then stick to that plan. If I want something extra, I'll write it down and wait until my budget resets at the start of next month.

[@lacei_love]

Things that I do/have done to live below my means are: lowering all the bills I can, only buying things at the store that I need (no impulse buying), utilizing coupons and rewards programs at various stores and restaurants, and getting quality clothes secondhand for me and my kiddos whenever possible

[@Clevergirlfinance]

Love this thank you for sharing

[@elisebuiefamilylaw]

Absolutely! 🙌 Creating a solid financial plan is key to achieving peace of mind. Your advice on living within our means is so refreshing and practical.

[@NicolaDietrich]

I don't go on holiday, or buy big ticket items, or go out to eat, or buy take aways. I just don't have enough money to get to the end of the month. Things like changing the light bulbs or brakes on my car have become a crisis. That's the reality. At the beginning of the year I did that thing where you save 1p more every day. After three months I have saved £42.77. Last month I had to borrow £10 from it. That's the reality.

[@Handbagqueen23]

That’s my reality too, are you able to earn more?

[@neryvargasgarcia9767]

You need to figure out how to make more money I had to start a side hustle.

[@joyjoy-rz7ms]

Its a start just be consistent. Would if you didn't save, then you couldn't borrow the 10 pounds

[@NicolaDietrich]

@@neryvargasgarcia9767 I did start a side hustle as a tutor but the work ran out. I'm just starting writing on line now. You never know that might help at some point in the future. I just think that idea of saving 10% of your income is unaffordable. That 10% is your crisis money and there are people who cannot afford to save this is my point.

[@NicolaDietrich]

@@Handbagqueen23 Well I've literally, today just put some writing online. You never know it might turn into something.

[@taurahelms3068]

I'm selling some of my antique and vintage items this year. I'm friends with a person who attends estate sales.

[@JoJo-ie8sl]

It takes time to get the hang of it, cutting down your lifestyle. But its so worth it.

[@Clevergirlfinance]

100%

[@not.just.a.teacher]

Reducing eating out, paying off Klarna, no shopping unless necessary for a particular item, paying off credit cards

[@anthonywilliams9415]

What is Klarna?

[@Clevergirlfinance]

Klarna is a buy now pay later platform.

[@Clevergirlfinance]

You've got this!

[@anthonywilliams9415]

Thanks. Never heard of it. Appreciate the response

[@JT14-rz7fx]

Oh a fellow aussie!!! Yes for me it's afterpay good luck

[@elaela5585]

Paying everything cash helps a lot. You know what you have and what you can spend! I took a new job to pay my house debt and haven't seen the sun in 2 years, but used that and 1/3 of my normal salary for my payment (it was only 1/3 of my house, I already had the rest) and did the same for new construction and the interior of the house. Debt free in 2 years! WE CAN DO THIS!

[@ahnobiahnobitok9057]

I like the part where you say to write down where your mind was at, when making transactions. Because my impulse buys stem from sucky moments.

[@Clevergirlfinance]

It's so helpful!

[@Heart_LikeChrist]

I made a budget, plan to utilize financial resources to help me understand money, and tell a family member to hold me accountable

[@troyirons5059]

I love this video, I do not have car or house mortgage all paid up, but I still need to curb my spending more.

[@Clevergirlfinance]

Thanks for being here!

[@lindaallen1947]

Thank you so much ❤❤!

[@Clevergirlfinance]

Thanks for being here!

[@caratslyfe]

Why do I find her voice very calming? Sorry I didn't really paying attention right now about the topic but her voice really calms my mind right now. Thank you

[@Clevergirlfinance]

Haha so glad!

[@kathleenbrowne198]

I don't even know where to start, I've been watching too many videosone month is almost over and I've written a budget plan about fifty times, I hope I can find the answer to saving more and spending less on a now fixed income. Thanks for the video.

[@Prettybadhaitian]

thank you for this video sister

[@Clevergirlfinance]

Thanks for watching!

[@LearnGermanwithMarzipanfrau]

I am using a budget plan, because my health costs exploded last year. Before I buy something I ask myself if I really need it. Thank you for your video!

[@KLC777]

No Spend Challenge. A tracker printed out on paper showing my progress towards my Fully Funded Emergency Fund. No longer own a credit card, debit card only.

[@Clevergirlfinance]

Love it!

[@ConstanceRamos-jf6bu]

I have been credit card free for years and now have to build credit to get one to buy a house

[@seenso]

@@ConstanceRamos-jf6buyou could get a secured credit card? Or a no annual fee one

[@VitalBigras]

My wife and I have decided to enjoy camping this year instead of planning some expensive vacations! Love this video, Thank you ❤

[@patrice6139]

I started preparing breakfast at home instead of constantly spending money on a breakfast sandwich at work every morning. I'm already seeing a difference in my bank account just from this change.

[@helloserenityco]

Love this video, I relate to some of the signs I was living above my means before I started taking control of my finances. Focusing on sticking to a monthly budget particularly with my savings

[@arthurmantzouris4413]

I'm debt free. I live below my means. I eat out once a month. I use my food saver to help me to keep my food from getting freezer burned which helps me to save my own MOLLA!! 😊😊😊😅

[@Clevergirlfinance]

Love that!

[@greaterishe7197]

On my list when I move.

[@MsJersey11]

I love my food saver!

[@kathleenbrowne198]

what is a food saver?

[@arthurmantzouris4413]

@kathleenbrowne198 a food saver is a machine that takes out air when freezing yr food. It really last a really long time...

[@einat1622]

Use gift certificates in an unusual way: if you have some for a hardware store- you could get toilet paper or cleaning supplies, a book store - might sell back to school items, an alcohol store- might also have snacks and canned goods.

[@CameronFussner]

These are very valuable rules for anybody who wants to get rich. Unfortunately, most people who will watch this video will not really be able to apply the principles. Making money is not the same as keeping it there is a reason why investments aren't well taught in schools, the examples you gave are well stationed, the market crisis gave me my first millions, people shy away from hard times, I embrace them.. well at least my advisor does lol.

[@fadhshf]

Investors should be cautious about their exposure and be wary of new buys, especially during inflation. Such high yields in this recession is only possible under the supervision of a professional or trusted advisor.

[@leojack9090]

This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?

[@hasede-lg9hj]

I stopped trying to predict market outcomes based on chart studying after 5 years of uncertainty. Not having a mentor caused me 5 years of pain. I learned to follow the market's direction and keep it simple with discipline.

[@LucasBenjamin-hv7sk]

@@hasede-lg9hj Could you kindly elaborate on the advisor's background and qualifications?

[@hasede-lg9hj]

The advisor that guides me is Sharon Ann Meny, most likely the internet is where to find her basic info, just search her name. She's established.

[@tibrown1653]

Such a helpful page! Thank you for the work and resources you and your team provide!

[@kittymogulco]

🙌✨

[@Clevergirlfinance]

Thanks so much!

[@sclovy]

This is the first time viewing your video; thank you for sharing. This was a great, simple, clear guideline. I subscribed

[@Clevergirlfinance]

Glad it was helpful!

[@journeywithjaneel]

Great delivery, great tips and ideas to live below your means. I'm glad I came across this video. I like the idea of buying new, preown items!!

[@Clevergirlfinance]

Glad it was helpful!

[@AjJ-x9u]

Thank you so much!!! I am trying to be frugal and I must say these videos have been helpful. I am currently wearing what I have in my closet and only buying what is necessary and persons are amazed because they think they are new.Thanks again!!!

[@SheraBeforeTheStorm]

1:30 Wooooow. I feel so called out. But I make less than 30,000 a year and I honestly don't even know what to cut to be able to put aside money/pay off debt.

[@ConstanceRamos-jf6bu]

I have been there. It’s tough and at times I had to live check to check just to keep a roof over my kids heads. Eventually it got better and I am not in debt for much. I do have a car note. Some things are just expensive. I ditched our satellite and switched to streaming apps. I saved over 200 a month that way

[@SitavNabi]

If you are single, try looking for a house share or room to rent. That saved me a lot.

[@Incognito321-g9v]

I’ve simply taken more time before buying things I thought I needed and watching my bills go out first. Also started shopping weekly for essentials. Also sell unwanted items online to pay towards my debts.

[@magesalmanac6424]

Same! I will sit and ponder for a week before buying. Never allow impulse buys.

[@odobijames910]

You are good ma'am thank you for sharing this thought.

[@mannyg923]

I've been living below my means for the last 20 years.

[@silvercookies]

My husband and I are currently aiming to save $10,000 to put towards renovations and a deck for an above-ground pool. So, we've started meal prepping and cooking dinner at home. One of our most significant expenses after the mortgage and insurance is takeout/dining. I've begun moving 10-20% of our paychecks to a secondary savings account before we spend them.

[@witfame38]

I just turn 52 29th of March and I don't have a saving emergency fund and I .in debit. My goal is to start budgeting and set up to pay off bills. I feel really stupid to be this age and no saving etc

[@JahHallelujah]

Never too late

[@paulascheib5347]

I'm literally in the same place as you, age and all

[@anitranovak2459]

It’s a blessing that u know what to do now.

[@Clevergirlfinance]

NO SHAME and you are NOT stupid. Create a plan, automate savings and focus on paying down debt. You can do this!

[@FaridahNassinde-xn1ww]

Ur 52 I'm only in my mid 20s n I'm already frustrated

[@Motivationary8724]

I like the reminder for me about the financial planning sheets of short term and long term goals.

[@courtneymiszczak6413]

I love your information! Will be purchasing some books 📚

[@Clevergirlfinance]

Thank you so much!

[@scrubbingoffinternet5221]

The dehumanizing feeling of being and feeling poor is so hard to overcome to stop overspending.

[@jujumomah]

I stopped spending on gel and eyelash extensions and alloted it to pay off debts

[@JusticeMerrick]

All points are valid, love it

[@Clevergirlfinance]

Thanks for tuning in!

[@naijawife1891]

I remember when I went to college in 94, my aunt lived in the city that I went to college in and I arranged to stay with her until my housing came through, I moved early because I worked at target and they agreed to transfer me to the new city…..this aunt was known to have really nice things and lived really well……after a while I noticed that she didn’t want me to answer her phone (cell wasn’t common yet) anyway she was being harassed by bill collectors…..I could tell she was MISERABLE but she was ALWAYS buying stuff….mid forties/single/child free……one day I casually asked her why she lived so far above her means….she didn’t understand what I meant……I eventually shared all of the financial knowledge that I had gained from ready books on budgeting and planning….i heard her on the phone telling someone that she had never heard the term “living above your means” and how smart I was ….etc… but she didn’t take my advice😂😅

[@Clevergirlfinance]

Love this - thanks for sharing and empowering your aunt!

[@treluvstrees999]

That is awesome that you helped her and not shamed her. Good news!

[@adwoaboakye265]

😂😂😂😂, that’s how the aunties are , they will not take the advice.

[@smc88ksg77]

Aunty needs deliverance from the spirit of the WASTER...money not staying with her to prosper her as per God's will. You see every coin earned is being spent to zero that is why she does not understand the term "living beyond her means'😔

[@FaizaWaggie]

😂

[@Savvyover50]

What an awesome video. I am tracking my expenses so I can see where I am overspendibg

[@Clevergirlfinance]

Well done!

[@belleiccm9801]

Thank you Clever Girl for this great video that's helping me prepare for my great future! More power to you🌺

[@Clevergirlfinance]

You're so welcome!

[@AbdulGhani-vm6oq]

Yes 💯👍❤️ Some people earn less, but invest more. Its not always about how much you earn. More about how much you invest. Only save for emergency fund. And after that keep investing it.

[@bobatking7985]

thank you! i needed this reminder. im currently working an extra job, yet my spending remains the same

[@Clevergirlfinance]

You got this!

[@paolavalencia4097]

This is eye opening and so well comunicated! Thank you so much for this

[@gloriamitchell3518]

Life goals clearly explained. Thank you.

[@diamondunicorn2421]

Goodwill.. never sleep on them. Cuts your shopping budget in more than half! And cooking more!

[@BuyLessJess]

💙

[@JennsCorner777]

Yup and there are plenty of online thrift stores also that ship.

[@Createshareandgive]

Good Will is over priced in my area.

[@ameragalal6976]

These are excellent tips! I’ve watched many financial advice videos but this one takes the cake :)

[@michelarosier1918]

Thank you for sharing this information.

[@Clevergirlfinance]

Glad it was helpful!

[@sophiequirionxo]

Thank you SO MUCH for this high quality video ❤

[@thebudgetlifeuk]

Loved this video, very informative. I have been budgeting for over 2 years and started my channel to document and keep myself accountable. This has really helped me to stay consistent. I love the idea of checking the mindset when spending.

[@Clevergirlfinance]

Love it! Will check out your channel!

[@thebudgetlifeuk]

@Clevergirlfinance thank you. I have mentioned you in my video as I love the idea of checking in with how you are feeling when you spend your money. This has made me become more mindful before I spend 🩷

[@tammythomas2057]

Thanks for sharing another great Video.

[@Clevergirlfinance]

Thanks for being here!

[@esthermutua1287]

Thanks alot for this informative message looking forward

[@selvalunaromero783]

Nice video! I wanted to check the budget types you mentioned in the free worksheets. Tried to enter the website to benefit from the info but it appears I can't because I'm from Venezuela 😅 still thanks for the video, great value content 😊🎉

[@Nwakaego_]

This was an awesome video, Bola! Thank you so very much.🥰👏🏿

[@Clevergirlfinance]

Thanks for being here!

[@amarachiw1]

Love this ❤thank you!!

[@Clevergirlfinance]

Thanks for being here!

[@belleiccm9801]

What I'm currently doing:cutting back on clothing expenses and meet up with friends expenses. I will begin a one month tracking of my daily expenses staring August 1st. Yeyyy! Thanks again from the Philippines🌴🌴🌴

[@Clevergirlfinance]

You got this!

[@belleiccm9801]

@@Clevergirlfinance Thanks!

[@kittymogulco]

This video was very informative. The first time I heard this concept of living below your means but within your needs was from Suze Orman. Just like you, she's a great financial inspiration. Thank you for sharing this knowledge with us 🙏

[@Clevergirlfinance]

So glad it was helpful!

[@Express2BU]

Very helpful and essential information ❤ thank you 😊

[@Clevergirlfinance]

Glad it was helpful!

[@donnarakitzis2719]

Excellent video

[@hopskotchsquirrel9504]

Thank you so very much for this -yours really inspired me. Much appreciated Lady Bola!

[@Clevergirlfinance]

Glad it was helpful!

[@givenmulongoti9381]

Thanks for this great piece of advise, I have a small side hustle but earning too little

[@katiacalejomora2480]

Thank you for such an informative video !!!

[@chebondikum8317]

Great content, thank you very much

[@Clevergirlfinance]

Thanks for being here!

[@dianejackson3627]

Thank You

[@Clevergirlfinance]

You're welcome

[@Under510]

Valuable tips! Taking control of your finances.

[@Clevergirlfinance]

Thanks for tuning in!

[@Andre-qo5ek]

a question.... if living below your means in needed to survive.. maybe we need to change the colloquial definition of "means" and " good income"? is there a way to change the paradigm of money? and do so more effectively?

[@lisazappalarogel2839]

What a great video. Thank you 😊

[@ShirleyRoberts-l6r]

I just learnt how to create a emergency fund into the household budget

[@hmw1341]

I’m so glad I found your channel! Thank you for all the free resources. I can’t wait to check them out and follow you for more. I’ll also check out your books. God bless!💗 I’m already looking at my budget and have a plan for the year ahead with a handle on how to pay off my debt!

[@CoolStorytellersLounge]

Thank you 🎉

[@saraswatinayagam7123]

Hi. It is an informative video. Thank you.👌

[@ytalchemy]

This is a great channel.

[@swatichoudhary9066]

I keep 2 accounts, one with salary account & savings. Second for expense. I transfer money from my salary / saving account to expense account to keep a tab over how much I spend. My credit card is just for emergencies and I make sure I pay off the cc bill first thing if I have made any expenses. I also put a little sum of my savings, annually, in some saving scheme like funds or fixed deposit. I keep a minimum balance target in both my accounts. And stop myself from any extreme spending if any of my accounts are about to hit the minimum balance number.

[@Clevergirlfinance]

You have a great system going! Thanks for sharing it with us!

[@afaf4132]

Liked and sharing❣️

[@Clevergirlfinance]

Thanks so much!

[@BuyungoKhamada]

Awesome

[@joseromero9933]

Thanks for sharing

[@LightBeingsBE]

I miss shopping and I will go splurge and end up returning it all. I shop and unshop. I have an impulse issue, I stress and want an outlet… I also would like a few things to wear to church and I just can’t right now. This economy has caused an uproar. 😢 I have to start at square one.

[@DottieAtwood]

I’m cooking again. No subscriptions. Coffee from my house every thing from my house and fully funding savings

[@Clevergirlfinance]

Love this! You can do it!

[@his1day]

Yea definitely working more towards the coffee from home more. Just sat down and planned our meals for the week! Less eating out

[@gerhard6105]

You sound like us Dutch. 👍

[@sp3357]

This is my problem when I get stressed at work or had a long hard week at work I want to treat myself and end up shopping let’s say I have two bags of clothes that I’m donating because I didn’t even wear them 🤦🏾‍♀️🤦🏾‍♀️😩😩🤧

[@teru8443]

I do so with food...

[@LeniqueBradley]

Thank you!🙏🏾🙏🏾🙏🏾

[@Fasthebaker]

Thank you so much , I've missed your videos

[@Clevergirlfinance]

Thanks for being here!

[@annettemiruka5993]

Love from Kenya

[@Clevergirlfinance]

Thanks for being here!

[@Shreenjan07]

Excellent video Love from India ❤

[@cassandracraig3708]

I needed this

[@WestchesterVentures-qu5gr]

Great video!

[@edenise1004]

Thrift stores are a great way to get quality clothing for pennies on the dollar.

[@kerenejackson3552]

There was a time in my life when I was very very poor so now I can afford quality things I treat myself but before I do that I put money in my 41k, capital one,chase and credit union. I really would like to set up some form of investment portfolio but I’m scared of losing my money.