CREATING FINANCIAL STABILITY - Budget Tips | Savings Goals

Life is unpredictable, and financial hardships can never come at a good time.
Financial stability is all about being financially prepared, even when your life feels unpredictable. An emergency fund, for example, is a massive step in this direction. But there are lots of other ways you can give yourself options.
I believe piece of mind and finding calm with our money is something we are all searching for.
GET A COPY OF MY NATIONAL BESTSELLING BOOK ➡️ www.thebudgetmom.com/mymoneym...
CHAPTERS
00:00 What is financial stability?
04:37 Miscellaneous budget category
06:31 Checking account cushion
09:32 Sinking funds
13:05 Emergency fund
15:27 Conclusion
➡️ ALLY BANK: www.ally.com/
➡️ SINKING FUND ENVELOPES: bit.ly/3JLI6vn
➡️ HOW I TRACK MY SPENDING: bit.ly/3aIe89I
➡️ HOW TO USE A BUDGET CALENDAR: bit.ly/2IzF2Vj
➡️ FINDING YOUR WHY: bit.ly/3aJUryj
➡️ THE BUDGET MOM'S FINANCIAL FREEDOM STEPS: bit.ly/3cfJXsp
➡️ HOW TO GET STARTED WITH THE CASH ENVELOPE METHOD: bit.ly/2vQJaO5
➡️ HOW TO CREATE A PLAN OF ATTACK TO PAY OFF DEBT: bit.ly/2wDETxF
ABOUT ME
I'm the blogger behind www.thebudgetmom.com. I have a rambunctious 6-year-old son, live in Washington, and I'm passionate about helping people with money management and personal finance. Let me know what you like to learn more about! Leave me comments and suggestions on my video and let me know!
YOU CAN FIND ME AT:
📝 WEBSITE: www.thebudgetmom.com
📘 FACEBOOK: / thebudgetmom
📸 INSTAGRAM: / thebudgetmom
📌 PINTEREST: / thebudgetmom
GET STARTED
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➡️GET 10% OFF my popular Budget-by-Paycheck Workbook - Coupon Code TBMKZbin bit.ly/2CR7U9n

[@movementencouragedfitness5945]

I am not a mom. I am a single man. Just turned 30. I am embarrassed that I have no solid money or too many assets at all. Pay check to pay check kind of living for most my life. It's not like I haven't had the opportuties to make great money because I have, I just lacked the discipline and some knowledge. BUT I feel the tides changing in my soul. I just found your channel I'll probably refer back to it now! Valauble information and I love the visuals of how you are literally and physically tracking your money flow. Thanks for the inspiration, as different as we are, we really aren't! : ) I feel ready for change.

[@hekeptdying1428]

I’m not a parent but I am an uncle so it’s great to know that I set aside funds to be able to spoil my nephew on holidays and birthdays but still stay in budget.

[@GwynWalker]

That's so cool! You ROCK!!!

[@actnowordreamon6774]

I am an uncle and I do the same but not to spoil them but to help them. What about building a school fund for them or help them when they get married ... of course spoiling them here and there but his this not the purpose anyway not for me

[@hekeptdying1428]

@@actnowordreamon6774 I agree with you! I’ll definitely budget to be able to do both.

[@jmatos7872]

Best Uncle Award! 🏆🏆🏆🏅🏅🏅 Seriously I’m an Aunt and that’s my goal.

[@meekalynn7726]

I was the same way until my brother had more. Now I have a total of about 20 nieces, nephews & God Kids. Plus parents. I had to put it all on hold so I can build to be the rich Auntie lol.

[@meannasellers4235]

Thank you for being transparent and realistic about your budgets. I'm a wife and mom of 3 (14, 12, 5), just bought a new home 4 mons ago and life is pretty demanding and semi stressful. I love how you broke everything down and simplified it to show us how we can make it work for our own personal situations. Thanks a bunches 🥰

[@Raymondgogolf]

Hi MeAnna 👋 I hope my comment didn't sound as a form of privacy invasion your comment tells of a wonderful woman with a beautiful heart which led me to comment I don't normally write in the comment section but I think you deserve this complement. If you don’t mind can we be friends? Thanks God bless you….🌹🌹🌹🌹

[@actnowordreamon6774]

Personal / family finance can be challenging sometime, don't give up. Watch my latest video for more info

[@Mitzi73]

When I know I am going to Disney I use my Disney credit card one year before. I always pay it off. I now have $100 of rewards I can use for food/souvenirs in the park.

[@actnowordreamon6774]

nice and good planning. Be careful and ensure you are always paying at the end of the month ... you have a very good plan. Watch my latest video for more info

[@AverysMoneyMoves]

Having sinking funds has been such a game changer for my finances! I think more than anything it allows me to feel emotionally secure with my finances which I love and really needed. Great video Miko!

[@bahoti7]

Omg this video could have not come at a better time. My boyfriend and I had a heart to heart tonight about this exact topic. You have helped me so much understand on handling money in a more effective way

[@actnowordreamon6774]

money mismanagement in a relationship is very difficult ... this is why you must be honest, have family budget and no financial infidelities ... Watch my latest video for more info

[@keyeligarcia2074]

Miko, I’ve been watching this video at least 5 times a week while a make dinner. It is so inspirational to me. I really like every word you say. This is a strong and powerful content. Thank you!!🙂I wish I can peruse my dream of buying a house with Cash as well! Just making baby tiny steps now. 🤞🏽

[@juliannaokike3359]

Amen. Me too.

[@operationeight-ld5kd]

You are amazing! Where have you been all my life?! Thank you for making this simple and easy to understand. The biggest part of what has intimated me about finances is that it seems so vague and complex. But you have made it practical and easily accessible. Thank you, thank you, thank you!!!! 🙏🏻🙏🏻🙏🏻🙏🏻🙏🏻🙏🏻

[@fundyourdreams5577]

Excellent video as always! Loved seeing your different options and how you organize them! Thank you

[@dapebcool]

Love this breakdown. Three months using your system first month in my bbp book. Loving it

[@seasonalliving2881]

Can you do a video on how to be a cash spender in a digital world? I find it next to impossible but I'd love to hear how you make it work.

[@LittleHelpfulFiles]

Love this video and I have the same thought process when it comes to needing to use funds that aren’t technically emergencies but are unplanned 👏🏼

[@redflags1773]

This series has been so helpful. I started the cash envelope/budget system at the beginning of the year and your channel has taught me so much. Thank you 😊

[@virtuousbudgets2737]

This video was so helpful. I’ve been a cash budgeter for a little over a year now and this showed me the importance of a cushion and sinking funds!

[@sherribrink5664]

Just started following you. Loving all your videos.❤ We've been debt free for years using the "Baby Steps", but enjoy your everyday living tips and reminders of budgeting and helps us to stay diligent, focus, and motivated. Keep up the great job!

[@MC-df2hr]

Loved this video!!!

[@bazwan6396]

Really good video and always useful to pick up new ideas or reinforce what currently doing. I have one savings account for all my sinking fund pots and £1,000 Emergency Fund. I track the amount in each of the 30 or so pots using an Excel spreadsheet. I know it might seem excessive but it's worked for me for a few years now. Various funds include: Holidays, Xmas, Birthdays, House Repairs, Car, Weddings, Eating Out, New Tech, Garden, visiting the kids, phone, window cleaner etc. To the bank it's 1 savings account, to me it's 30 pots each with a purpose 😀.

[@MsSarahJam]

I do the same and it gives me such a sense of clarity of and control over my finances.

[@bazwan6396]

@@MsSarahJam exactly and I am trying to instill in my children that if they want to save £10,000 look on it as saving £1 on 10,000 occasions. That way they see it as much more achievable. The easy example i always give them is freezing a bottle of water each night and take it to work for chilled drinks the following day rather than using a vending machine. The fact it starts the day frozen means it is never drunk all at once and lasts most if not all of the day.

[@janamobley4841]

Thank you just doesn’t seem like enough… You are an amazing teacher and hero! May God bless you for helping others! Meeting you is now at the top of my bucket list of things to do! Thanks again your absolutely AMAZING!

[@actnowordreamon6774]

She is definitively a great teacher and I am glad that you get valuable information from her. Watch my latest video for more info

[@123kirmizi]

omg, another video, surprisee! You made my Sunday , amazing

[@teresacarrington244]

Loved it! 👍🏾

[@virtuousbudgets2737]

You explain things so well!

[@laurenpool8367]

What a wonderful and amazing video! This was so helpful. I have been thinking about redoing our budget with utilizing sinking funds because my current method is no longer working well enough to give us long term financial stability. Thank you for talking about different options and choices we can make with budgeting and our money

[@ceci_gee]

Can’t wait to receive your book. This mini series has been fantastic! 💰💰

[@thebudgetmom]

Oh yay!!! I'm so glad you enjoyed it❤❤❤

[@senoritajha1468]

Love ur videos i keep coming back to watching ur videos over and over again ... So inspiring

[@jadzia2074]

I love it,thanks for another perfect tips🙂

[@grannykkmeeks1192]

Thank you Miko ❤️

[@thebudgetmom]

😍😍😍

[@GreenLifeInDublin]

Silent subscriber here, I just want to thank You for all the videos You make to help others. I have Your book on the way, can't wait to read it and review later!

[@Raymondgogolf]

Hi Green 👋 I hope my comment didn't sound as a form of privacy invasion your comment tells of a wonderful woman with a beautiful heart which led me to comment I don't normally write in the comment section but I think you deserve this complement. If you don’t mind can we be friends? Thanks God bless you….🌹🌹🌹🌹

[@rebirthedsoul3185]

I can feel these words come from the deep of your heart, thank you so much, i wish you all the best ❤

[@lindadobranetski6302]

Thank you Miko I have sat down and went through 3 months of my bank statements and figured out my debt and also what my interest rate is, it is not as bad as i thought. I have cut alot from my spending, but i now need to find out my husband's debt and he does not have an email etc,

[@ttrraaccyy]

I use Ally Bank and they allow 10 buckets per savings account. I'm using these for my larger savings goals.

[@Raymondgogolf]

Hi Tracy 👋 I hope my comment didn't sound as a form of privacy invasion your comment tells of a wonderful woman with a beautiful heart which led me to comment I don't normally write in the comment section but I think you deserve this complement. If you don’t mind can we be friends? Thanks God bless you….🌹🌹🌹🌹

[@actnowordreamon6774]

this is nice, I did not now. I will check them out. Watch my latest video for more info

[@emrose1717]

OP-TIONS. Love that extra add in. Lol!

[@cspann33]

Thank you for this video! I like the idea of having another emergency fund account that give more than a standard savings.

[@actnowordreamon6774]

An emergency fund does not mean the money is not invested, it only mean that you have 3 to 6 months of expense money available within a few days. So, you can invest it as long as the capital is protected and the inflation does not eat it up .. and available when an emergency occur. Watch my latest video for more info, I have a few videos about this topic

[@fourdayhomestead2839]

Thank you for explaining all this. Especially the checking account cushion. I didn't understand why someone wanted a 0 balance.

[@lisadearing5960]

I used to think the same thing! 😁

[@Birdmom1823]

Love your videos 😊 💜💙💜💙💜

[@MarianeCresp]

Ooh, made me smile when you said “My fiancé” 🥰 I love love 💕

[@Raymondgogolf]

Hi Mariane 👋 I hope my comment didn't sound as a form of privacy invasion your comment tells of a wonderful woman with a beautiful heart which led me to comment I don't normally write in the comment section but I think you deserve this complement. If you don’t mind can we be friends? Thanks God bless you….🌹🌹🌹🌹

[@sandraholmes4262]

Love your post cause you pull no punches when saying we are out of control doing our speding compared to budgeting that money kundos to you much appreciated for being real

[@sandraholmes4262]

So lousy with that tracking part

[@sandraholmes4262]

Love it

[@BawsyCD]

THANK YOU

[@Myster1029]

Thank you for explaining how you account for your checking account cushion. Like you, I was not comfortable enough with my math or for the unexpected to not have a cushion in my checking account "just in case." I have a cushion in my account that I try to maintain, but I didn't know how to account for it in my budget. I am trying to grow that cushion but was not "seeing" for sure what I was maintaining in the account as a cushion.

[@amyg918]

We use credit cards and pay off to accrue points for airline tickets to afford us to visit family.

[@actnowordreamon6774]

Very good strategy as long as you can pay.

[@lisadearing5960]

We quit using our debit card about a year ago and only use a credit card. If it gets hacked or fraudulent charges appear, it’s not our money that’s affected. I pay it off each week. We keep the points money in our account as a built in emergency fund.

[@janaethompkins4485]

Thank you for such an informative video. Which credit union allowed the option of multiple accounts without fees?

[@DaisyDoesIt22]

Very helpful and relatable

[@Raymondgogolf]

Hi Daisy 👋 I hope my comment didn't sound as a form of privacy invasion your comment tells of a wonderful woman with a beautiful heart which led me to comment I don't normally write in the comment section but I think you deserve this complement. If you don’t mind can we be friends? Thanks God bless you….🌹🌹🌹🌹

[@ciannacoleman5125]

I keep my cushion at $1000 too. Any money over that at the end of the month I transfer into one of my SFs (right now my wedding fund). Personally I have found using my debit card keeps me more accountable than using cash so I have my short term SF "envelopes" in a separate checking account and transfer the money when I make a purchase. This also allows me to keep my general spending account lower, I just deduct $1000 from whatever number I see and that is the amount I have to spend for my pay period.

[@triciaphillips741]

Love this woman, so simple and beautiful.

[@michellestanding1410]

Hi Great video 🇬🇧

[@Kaylatrausch]

We use our credit cards for bills that we already have to pay monthly then receive cash rewards off them.

[@kathg.9622]

Miko, is your TBM Filofax wallet the same size as the previous ones (turquoise and bright pink Filofax wallet) that you used to use??

[@Haley.Nicc_]

Hello! I love your channel! I’ve learned so much & I’m using your BBP workbook. If I have a fixed expense that I include in my budget in the Bills section, for example my dogs Care Club Plan $107.99 per month, do I also count it in my budget for my Pets envelope since it is categorized as a Pet expense? I’m having trouble with tracking expenses like these. Do Bills track as their own category or come out of others like Pets, Household, etc. ?

[@andreamaresh6958]

As far as I understand it, you are talking about two different things. Fixed expenses such as bills are not included in cash envelopes, which track only variable expenses. So fixed expenses and variable expenses are both written down on our monthly tracking sheets and sorted into budget categories such as pets, yes, but bills/fixed expenses are not tracked on your budget envelopes. Hope that helps! ❤

[@Jennifer72181]

This has nothing to do with the video (which i loved by the way!) but where did you get that sweater? I really like it!

[@hannahw2697]

The amount of times my kids come home and say “mom I need $40 for band.” It stops me in my tracks and gives me extra anxiety. This year, my goal is to be focused on budgeting and saving so that I can relax.

[@karinmonnich3310]

Love your videos. Just bought the sinking fund envelopes and I was wondering if you have a printout of the paycheck budget tracker sheets? They look great and I think they would help me a lot. Thank you!

[@actnowordreamon6774]

I do have one on my channel. Watch my last 2 videos and you will a link to it if you want.

[@alisonw6449]

Great video

[@fioaid88]

How do you categorize things like a Amazon prime annual account, which I consider like a sinking fund since I have to save a little bit each month to pay it but it’s also a fun entertainment thing?

[@ceciliavalencia7656]

I really love those envelopes and how you can color the front where could I purchase these ?

[@devonbudgets2023]

I love your videos! Even though I'm not a mom, all the mom knowledge goes into a storage area in my brain for the future lol

[@actnowordreamon6774]

financial education is so important and not taught at school ... Watch my latest video for more info

[@sky23nyc]

Can you do a video about sinking funds and envelopes if you are cashless?

[@danikapowell3920]

Wow great tips! Where did you get those envelopes?

[@mapadelyons]

Would there ne a minimalistic design that would come out this year?

[@actnowordreamon6774]

liked and subscribed

[@selenakowitz1108]

Hello I'm learning how to budget my monthly income am not able to work, it been a little confused sometimes. My husband work. I would like to learn more so I can bay off bills and save up for trips. Plus I just order the book can't wait to read it.

[@actnowordreamon6774]

maybe you should watch those videos with your husband so you will be on the same page. Watch my latest video for more info

[@candy2325]

I just recently came back for vacation and I gotta start fresh with my budgeting again. I got a tax refund on my birthday and I’m using it to put towards my emergency fund and allocate to other long term savings.

[@Raymondgogolf]

Hi Candy 👋 I hope my comment didn't sound as a form of privacy invasion your comment tells of a wonderful woman with a beautiful heart which led me to comment I don't normally write in the comment section but I think you deserve this complement. If you don’t mind can we be friends? Thanks God bless you….🌹🌹🌹🌹

[@actnowordreamon6774]

amen ... you should reinvest the remaining of your refund directly in your 401K so you will receive even more next year. This is the antique I am using and my 401 is piling up pretty quickly. Watch my latest video for more info

[@patriciaswan9587]

THANK YOU for this video! I did not know that you could keep $1000 in your budget for a 0 based budget, so I did not do that budget. We are currently in a emergency where it has taken all of our cash and we now must charge the last little bit ($1000) on our credit card. because we don't have it in our sinking funds. We seem to be hit with a lot of financial issues. We are retired/disabled couple who has used all but $2000 of his IRA (And retirement money won't come before May) Thanks again for this video. It helped me a lot. BTW How can we qualify for a Credit Union account?

[@actnowordreamon6774]

well ... if you need to go in debt, you have to do what you have to do as it is an emergency. But this is a lesson learned. We all go through this until we have this wake-up call... Don't give up. Watch my latest video for more info

[@Taquito225]

Hi there! Some credit unions will allow you to donate to a fund of some sort to join them. Usually, you can check their website and see how you can qualify to become a member. Good luck.

[@Jabezgirl57]

I have the notebook and beginning the process. Where does the money come from that we put in our “challenges”? I am attempting the $5 bill and laundry challenge. Thanks

[@diannecaron164]

Renee, I found I needed a few months of just doing the basics of tracking my savings, filling out my calendar, planning which expenses would be covered by each paycheck, my debt payback plan tracker, emergency fund, and filling out the Paycheck Budget Tracker page for each pay period. So many detailed steps! Now that I'm confident with these steps, I'm going to start adding in one of the savings challenges. The process of doing them will help you find the money to put into your challenges.

[@candy2325]

For those $1 and $5 challenges I just use leftover change from my grocery cash envelope or spending category. It builds up pretty fast too.

[@Raymondgogolf]

Hi Renee 👋 I hope my comment didn't sound as a form of privacy invasion your comment tells of a wonderful woman with a beautiful heart which led me to comment I don't normally write in the comment section but I think you deserve this complement. If you don’t mind can we be friends? Thanks God bless you….🌹🌹🌹🌹

[@iammlyss]

Since when you write down your RO Money on your Budget Worksheet? Did I miss it in your previous videos?

[@thebudgetmom]

If I have unused cash from my previous tracking period and I'm using it in my new tracking period it will be I'm my starting balance for cash on my new expense tracker

[@passivedividendsoptions]

Life Insurance only $9/month - that's really good!

[@terrib8376]

Hi Miko! What are your thoughts on Capital One 360 banking? It it a good thing?

[@lovealwaysjasmine]

Ally is better

[@PrincessMultiracial]

I looove it! It’s my main, and only, bank account! No monthly fee, no minimum balance, no overdraft fee! You can have up to 25 savings accounts per checking account that give an APR so far of .4%. You can name your savings accounts so they can be where you house your sinking funds if you have large amounts that you don’t want to keep in cash for long term goals (ie Emergency Fund). On the app, it tells you any local ATMs that are fee-free. At CVS, you can deposit money into your checking account for free up to 5x a month. Branches are minimal which is how they can pass on the savings to these 360 accounts. So if you don’t have a branch locally accessible to you then you might not want to get one if that’s an issue for you.

[@sanyalamothe3107]

@@PrincessMultiracial I have capital one and I never knew you could name your individual account. Do you know how to do it?

[@PrincessMultiracial]

@@sanyalamothe3107 For some reason we can’t do it from the app, we can only do it from the browser (whether from your phone browser or computer). We can also rearrange the order they appear as well. Once the changes are made through the browser they do show on the app. I have savings accounts named “utilities” (all my bills are covered through there), “emergency fund”, “long term savings” (that I’m slowly investing), and “HRA reimbursements” (when I submit claims to my HRA, this savings account is linked to my HRA so the funds go straight to that savings account).

[@cspann33]

@@PrincessMultiracial oh wow! That’s exactly what I’m looking for. Thank you for the detail description of this banking option.

[@LB-me7us]

How do you handle all your subscription services? What accounts are they in?

[@thebudgetmom]

Accounts they are in?

[@LB-me7us]

Do you have them in a high-yield savings account, regular bills bank account, cash envelope?

[@syreetagamble]

I'm thinking about switching my debit cards incoming pays over onto my credit card and let my debit cards go. My gross income is less than 5k a month, w/a credit score of 575!

[@lisadearing5960]

We did the same thing about a year ago. Our credit score has gone up so much! I make sure to pay the credit card every week. In my mind, our checking account is just holding the money until I use my credit card. I hid my debit card in my wallet so I never use it! Only use it if I need to get money from the ATM.

[@maryjones6959]

What credit union do you bank with?

[@nsaidy7245]

How does someone determine how much to same for example if I am planning on going to Disneyland for two people in one year how do I know how much I need to save.

[@fortnitesquad9672]

Just plan your trip now (don’t necessarily book anything) and get an idea on how much flights are, Disney tickets (check their website for prices) decide on how much spending money you want etc. then decide roughly what time of the year you want to go and then work out how many pays you have between now and then and use that to work out how much you need to sit aside per pay.

[@nsaidy7245]

@@fortnitesquad9672 thank you for taking the time to answer my question. Great advice

[@username00009]

@@nsaidy7245 you can also make plans in advance and Disney will let you make monthly payments. That only applies if you’re staying onsite, but depending on how long you plan to stay the hotel and park fees may drop significantly. Try adjusting the number of nights you’ll be staying to see how it impacts availability and prices.

[@danafreeman764]

Newbie here so sorry if you posted this somewhere but where did you get the binder you are using?

[@deandean4142]

That is her budget by paycheck workbook - miko sells it on her website, that is her self made method for budgeting. Hope this helps x

[@danafreeman764]

@@deandean4142 thank you!

[@-crazyinlove-]

👍

[@angeleanaheidel5383]

Would you be willing to do a video on Ally?

[@debbiekirk7660]

Where can I get this book from plz I really need it 🤣

[@bellaboopixi]

How do you get in with a credit union? What's the difference (pros and cons) between a credit union and a traditional bank?

[@zillashimmy]

My credit union is a co-operative, which means I own a small piece of the bank and earn a chunk of the profits.

[@thebudgetmom]

www.thebudgetmom.com/banks-vs-credit-union-which-one-is-better/

[@theterribleturnip]

I've been wanting to join a credit union but none seem to be good near me. I feel like they're a better option for me but scared to take the plunge

[@candy2325]

I’ve been with a credit union for years and the #1 thing I love is that they don’t charge fees to use your checking account. My last bank I used they charged like $5 a month just to have an account and that ticked me off

[@actnowordreamon6774]

Once of the pain points are, lower interest on loan, etc ... but the most important they are not under the same regulation has charter bank ... meaning your money is safer unless they go bankrupt of course. Watch my latest video for more info

[@bionicwoman9884]

you need to have a checking account buffer to prevent overdrafts that's common sense

[@-crazyinlove-]

♥️

[@user-hy1zm3tx1t]

does anyone know what bank she uses?

[@elizabethfoster7932]

When it comes to the world of investing, most people don't know where to start. Fortunately, great us investors of the past and present can provide us with guidance

[@mortenbolin7481]

Yeah!! ‌Due to the fall in the stock market, I don't think it's advisable holding, it would be more beneficial and yield more profit if you actually trade on cryptocurrency I've been trading since the dip, and I've made so much profit trading.

[@mortenbolin7481]

@Rebecca Katheriner ‌that's why you need the help of a professional like Mr Dave Jevans who trade and understand the market more to earn good income, these professionals understand the market like it's there own farm and make s maximum profit for investors.

[@commerceusa]

‌He has really made a good name for himself.

[@cainguyen2974]

‌My first investment with Mr Dave Jevans gave me the assurance that have made me invest without the fear of losing, I got four of my friends involved with him already

[@Johnclayton28]

‌ Trading crypto with Dave Jevans has being a game changer for me.

[@jessicaantonio6227]

I really need help with budgeting, I need the financial stability 😢 I always feel broke

[@rebeccathistle5874]

My parents bank account cost 45 € each month 😱 tell me it's not only in Italy that accounts cost that much!? My plan for 2022 is to find out of it's possible to change something and lower that amount

[@suryasingh_12]

If you do direct deposit from employer, you don’t have to pay monthly maintenance feed

[@suryasingh_12]

Fees*

[@rebeccathistle5874]

My father is an entrepreneur (in the construction field... So no employee)

[@josecaraballo6053]

Actually creating an emergency fund is the right thing to do. At least $1.000 dollars to start...

[@zz-ic6vy]

And only then start sinking funds right?

[@beyoutifullynatural9451]

Your hair is SOO LONG😍

[@LienNguyen-ue7rl]

The year just barely began and I won't want to repeat some mistakes made last year, I would love to start investing and jump on some great opportunities, I have $50k set out for it,please can someone share any long term investment idea? God bless you.

[@PIannB]

Hi

[@PIannB]

Bless you too , I've been investing too and I advise you get an investment advisor who will guide you and build intelligent investment ideas to meet your financial goals.

[@PIannB]

For me I work with Delia Luna Patty a pro investment advisor, her knowledge and ideas has been top notch.With her help and great guides I make so much returns from my investments.

[@kacoulaurentbolo3249]

@@PIannB yea I've heard of how helpful an investment advisor can be, I've been on the look out for a good lA, will love to start investing immediately

[@PIannB]

@@kacoulaurentbolo3249 You can make a quick research of her on web get the necessary info you need then reach out to her, research with her full name below.

[@deniselittle5558]

A little off topic, but been wanting to ask. Am I the only one in the world that pays a monthly banking fee. I could be wrong, but I don't think I've noticed that expense your your budgets Miko or any of the Real Life Budgets you do or really any other person on KZbin who shows their monthly budget. Just curious really.

[@candy2325]

My old bank that I used years ago did that and charged a fee per month to use my account. I since then switched to a credit union with zero fees.

[@username00009]

Denise, if you’re still being charged a fee you should be able to go to your bank’s main page to look at account options. Some accounts may offer more benefits while requiring a minimum balance or minimum monthly deposits to avoid fees. Online only banks seem to not charge monthly fees. Some credit unions don’t charge monthly fees. You just have to shop around.

[@suryasingh_12]

Try using direct deposit from employer to avoid monthly maintenance fees

[@Havanah2006]

🥰😍🤩