ELEVATE Your FINANCES in 2024: Save Money on a Budget

[@joannerandolph5533]

My late sister once told me when you turn 50 you no longer need an excuse - just say NO. I was almost 40 at the time and decided not to wait till I was 50! Best advice she ever gave us!

[@KateKaden]

LOVE THIS!

[@rochellethundercloud346]

​@@KateKadenme,too No is a complete sentence.

[@margaretfinney6546]

Saying no is very freeing and self respecting. 😊

[@Spot4art]

We are in the conserving money phase of life. We are 73 (husband and 2 cats) and retired. I am always learning the how to’s even though we have been budgeting all our lives. So enjoy this channel and reading the comments. So glad for the young ones learning these things now.👍

[@KateKaden]

Conserving phase! I love it! I am always so happy to see you each week! I appreciate you and am so glad you enjoy this channel!:):)

[@jeffreyphillips4182]

This is personal info. Went to cancer center yesterday. Not the news we were hoping for. They've given me 6 months (maybe a little more). This is based on data they have and it's not written in stone, but they're pretty good with their data. I'm not worried about it because I've lived a life, have few regrets, and a lot of experience. If I were 25 I might be worried, but I'm 75 and not afraid to die. I have been a fan of yours for a long time. I know you will succeed in any endeavor you pursue. You are a positive force in not just my life, but a lot of lives. I'll still be around for awhile, will participate when I can. I tell you all of this personal information not for sympathy, because I need none, but just to let you know what's up with me. I have nothing but admiration for you my friend. Be talking to you 👍

[@KateKaden]

Jeffrey, I am sending ALL THE PRAYERS your way. I love your attitude and positive outlook. It does sound like you are having an AMAZING life and I'm so happy you have few regrets and a lot of experience. You are very important to our community and we are ALL sending you the healthy vibes to stay as long as you can happily. I have no doubt you will live your life to the VERY fullest! We adore you Jeffrey! Thank you for keeping us in the loop and being here with us!

[@kaitlinobrien243]

Jeffrey sending you lots of love for peace n healing! Sorry to hear that you are struggling with your health!

[@loridamico3368]

Praying for you Jeffrey. 🙏❤️

[@brendasellers3580]

Sending prayers your way for healing peace and comfort.

[@angielay3313]

Prayers that God is with you on your journey 🙏🏻❤️

[@Loretta_C]

Had to stop this video at 4 minutes to comment on the people pleasing. Same. I am working on reversing this and I have become so much happier for it! Saying no is so liberating.

[@audreyhuggins8822]

"No" is a complete sentence! I say simply, "No, thank you," and move on with my day!

[@KateKaden]

YASSS Audrey!

[@amandagillard4116]

Hey all, my first month as an empty nester is better than expected. I save first. Because it’s just me. I’ve got my back. I’m half way to my emergency fund. And the first week in feb I’m getting a haircut and a facial and a hot Thai curry. I can’t wait. The gap between what I earn and what I spend is bigger what I thought. I have released my inner stingy. She’s cool. I like her.😊

[@KateKaden]

SHE IS SOOOO COOL! So proud of you Amanda!

[@theresawinder7403]

Im doing extra work at weekends. Just paid off our cars and can then pay down the mortgage. 2 yrs 11 months to go!!

[@KerryJames-l6z]

Wow love chats with you who loves Kate Kaden time❤❤

[@KateKaden]

Thank you so so much!

[@KerryJames-l6z]

Your very welcome❤❤​@@KateKaden

[@randaray24]

I am currently (newly) obsessed with getting my home routine on track and destroy my outrageous credit card balance. For the first time ever I believe I have the momentum I need. It’s all coming from watching you and other frugal people constantly - in the morning getting ready for work, at my desk at lunch, while prepping dinner and doing dishes, before bed. Obsession works for me 😂Thanks for the great content.

[@themrcyeah]

Hi Kate, only this week I said no to a dear friend. She made this amazing plans to go with the kids at the end of the month. It’s really far away from me and I don’t drive, it would take me hours to get there and back and it’s so cold in London right now!! She was super understanding and I’m so shocked, because before J would have done anything to not missed something like this. Feeling so proud of myself.😊

[@KateKaden]

I'm SO glad she was understanding. Sometimes the traveling and time it would take doesn't work out. I'm so glad you were honest and did what would work for you! Proud of you!

[@sjordan7085]

The best thing about London is the road out of it! Travel with others often ends up being far more expensive that originally planned. I always travel alone now, so that I can be frugal without making others feel uncomfortable.

[@cathyphillips679]

I have a cash-back credit card that all my regular bills go to each month...cellphone, insurances etc. This has been the first month (maybe ever!) that there has been NOTHING else on that monthly statement!!! No-spend is working😊

[@KateKaden]

SO PROUD OF YOU CATHY!

[@karlinebohne789]

I’ve been at my job for 35 years! In my younger days I always worked 2 jobs as I lived in a high cost area in NY. A leap of faith allowed me to relocate to a unknown state, buy a home and ultimately transfer again to care for my dad in the last 2 years. My PT job ( more Ft) is caring for the old dad - the pay sucks - lol - but his safety is most important and priceless! . It’s been difficult to move in with him but I’m seeing this an opportunity to give him more than any care home would do, and rent out my home. I’m still working and travel during the day so also pay for helpers to stay with dad. He was a workhorse back in the day and worked up to 3 jobs to care for his family and in my heart I know it’s his turn to be cared for, when he can’t care for himself. I heavily contribute to my 401k and just paid off my car :)

[@KateKaden]

Karline (the pay sucks) LOL! You cracked me up:) On a more serious note, that is amazing that you are taking care of your Dad's safety and yes so important and priceless:) You are a super daughter and I'm so proud of you! And I LOVE that you heavily contribute to your 401k AND PAID OFF YOU CAR!!!!!! YASSSSSSS!

[@alhood3]

I did the same for my mom. Zero regrets. Stay strong.

[@marielaticas4543]

The world needs more daughters like you! Thank you for following your heart . God bless you and your dad. 🙏

[@laurenyogateacher453]

I’m the same Kate :). I’m a full time teacher but love my part time yoga teaching and tutoring jobs. I wouldn’t have been able to get a house without them. Love your guidance and how open and honest you always are. You were who got me started on my journey of frugality. X

[@gladyschandler6724]

I belong to a meetup group, and they schedule something almost every weekend. I choose what I want to go to and take into account the cost and say no to some things and say yes to the free stuff like a hike.

[@Mrsmadison45]

❤ stashing $1500.00 monthly 🙋🏼‍♀️❤ after regular monthly bills whoo whoo ❤

[@kellykimball2099]

I do dog walking, three times a week, $20 a hour, love it 🎉

[@KateKaden]

Love it!

[@SassySue67]

Was doing no spend January and I was doing good, but two major auto repair needs came out of the blue ($1300.00). Thank goodness for the emergency fund. No other spending so far.

[@jaimesimmons3331]

Know when to say NO!! love that quote! Day 19 of no spend January ...this is the quote that will get me through the end of the month!

[@KateKaden]

YASSS!!!!!

[@thefunfam1433]

Just say No is my motto

[@amandawille8438]

I am doing quite well in my no spend I see money that I didn't even know I had. I honestly love to see people smile yes I am that person...yes that is what I will be doing when I am out of debt...a small amount to give to help others. I think I need to budget it in later but I love to help it really warms my heart ❤️ makes me feel great...my momma taught me that a smile is so much more than anything you can buy....what a world we would live in if everyone felt this way. I am also working on scaling down my possessions.. I really don't need much. I want to buy and own the farm I live on outright. I have lots of goals. It's seems funny to most but this is me and the older I get I truly just want to be me. ❤ Thank you for being a inspiration ❤.

[@KateKaden]

Way to go Amanda!!!!!

[@sandrafromscotland]

Hi Amanda. You made me smile this morning with your share 😊 Well done on your so far and keep going Friday 26/04/24 replay

[@susanbradshaw5827]

I adore you! Such practical advice and steps to move the needle forward! I am watching EVERYTHING you produce ❤️

[@KateKaden]

Thank you so much Susan!!!!!

[@smartypants1980]

It's above 0°F in Wisconsin. Thats a heat wave

[@sealeymackey4149]

I like what you said, “frugal living is not about deprivation.” I have a hard time with this concept, and I experience guilt when I purchase things I need, or even want. I’m definitely trying to work on this and trying to be less hard on myself. I’m definitely my own worst enemy when it comes to finances. Thanks for the video.

[@KateKaden]

Well said! I'm so glad you're here!

[@stephanie932]

I’m embarrassed to admit that I just started my budgeting journey this year. I set everything up the last week of December and consumed as many videos as I could to help me understand. That’s how I found your channel. I’m only on paycheck #2 and the erasure marks and cross-outs are bountiful….😂😂😂 But, I’m learning and figuring things out. I’m going to go the eBay route to try to earn some extra cash. I had a pretty good Etsy business selling soaps and rhinestone tees, that I closed last year. I have so many inventory items just sitting and I’m hoping that those items may bring in extra cash. Your channel always gives me great ideas. Thanks for giving us realistic suggestions. Stay warm!

[@KateKaden]

YOU ARE DOING THIS STEPHANIE! I'm so proud of you!!!!!!

[@williamwarren9448]

Good luck to you ! Budgeting here for last two years now at 66 it’s changed my life ! Glad you’re thinking about downsizing supplies too ! Win Win in 2024 ! Glenda

[@rachelr9272]

Good job Stephanie!!! You can do it😁

[@notthisjenn]

I have a part time job on top of my full time job. It's just 1-2 days a week on a farm. And my full time is a desk job. It brings me a lot of joy and balance. The little extra cash is small perk

[@KateKaden]

Love this!

[@rachelbennett9150]

I've been happily saying no my whole life. 😂 My kids are well trained, they don't ask for stuff at the store very much, and they accept my no when it comes. And sometimes I say yes!

[@KateKaden]

Love this Rachel!

[@williamwarren9448]

I worked a full time swing shift job and an every Saturday and Sunday part time job ….3 years straight with 4 kids hubs worked full time with a four hour commute each day and school student at night …. 😂 yeah …. Rough … but we did it … glenda

[@KateKaden]

Way to go Glenda!!! You did it!

[@katiewilliams9537]

I made a plan to pay off debt. I went through my CC statement and saw that 75% of that spend was outside of necessity. So I’m cutting it all so I can reallocate it all. 💜

[@RobinBaker-jp5or]

You have mentioned that you have good time management skills. I would enjoy seeing a video on this topic. Time management is important when trying to save money, whether it is fitting in a side job, planning and cooking meals, watching for sales, etc. I admire your work ethic and your videos are great.

[@amandaroa9223]

thank you, Kate. Saying no has been my problem too. I recently said no to gift exchange, honestly I did not want to participate and texted the host. I did not feel bad or anything.

[@KateKaden]

BOOM! Great job Amanda!

[@lisaohara8356]

I love your advice about saying no!! I have to work on this with my 3 kids. When we're in the car we all like a hot chocolate or some sort of treat - those costs add up and they need to understand that!

[@patriciahare846]

21 days into No Spend January! Feeling great!

[@msmix34]

We saved up for a go out to eat meal. It felt amazing to use cash for the entire bill and tip! We use an envelope system and take a few dollars each pay check and add to it. We have spent enough on eating out to know how much each place will run us, so we decided as a family, where do we want to treat ourselves, and saved that amount for that meal. We started cash only January this year, had a few hiccups but that's ok, we are making smarter choices and learning patience. We want to make it the challenge for the rest of the year and see how far we can go paying off debt instead of adding to it.

[@LynnSJ]

Entire career dedicated to working in healthcare. Took up all energy time. Now in early 50’s and building a second career and investing in myself. Saving in nest egg while still working, building product to sell-online/flea markets eventually a store next to my sister. And If situation changes have a back up plan.

[@kgriffinit]

I didn't realize unapologetic is such a powerful and useful word. I have 2 No Buttons that work but haven't helped much. I had a Yes Button and the actual button has never worked. Thanks for your insight.

[@KateKaden]

You are very welcome! So glad you're here!

[@sagenozko9317]

I have 4 kids that go to 4 different schools (clearly not intended) and have after school sports, homework, I need to feed them and keep the house clean ect… I wants a part time work from home job so badly but can never figure out how to make it work. I started walking dogs in the neighborhood as a side hustle and since I love to walk and love dogs this has helped me make extra cash. Never thought this would be a side hustle for me but you just have to do the best you can! The no spend challenge this month has been so eye opening. I am keeping an album if I want to buy on my phone. Instead of actually being it I can just remember what I want and when I can and have the extra cash I will. Thank you for your videos and encouragement!! ❤

[@suebee1540]

Although I am doing a no spend and dry January, I have had unusual expenses. My daughter was 3 months behind in her loan that I cosigned and I had to pay it. Also, I had work in another town and the roads weren't passable because we are not equiped to deal with snow here on the island. I had to pay someone to drive me to and from work a few times and I had to pay for a hotel between shifts once. I have worked an extra 84 hours this month that is paid double time. I now need a break. On the positive side, my grandson got a really good job and is motivated to pay back the money I have loaned him. He has been working overtime. I think it rubbed off on him lol. Thank you Kate for continuing to motivate me.

[@KateKaden]

Sue! That is rough, regarding the 3 months behind situation. Ups and downs for sure. I'm so glad your son is motivated to pay back the loan and has been working overtime. You set a great example! I adore you! Thank you for sharing with us!!!

[@vpeacock]

There is a famous quote from Ann Lamott ‘no’ is a complete sentence. A little difficult for some of us but inspiring! 😊

[@sjordan7085]

Hello Kate, I have watched a couple of your videos so far. I like it that you are not judgemental or forceful in suggesting solutions to financial woes. As one of your previous posters mentioned cancer, or other serious illness can be limiting on many levels, and also puts things into perspective. He shared a harsh reality. I have concluded that seeking, and finding balance in life is essential. Regardless of how long or short the time we living purposely and doing our best to manage our finances in the most productive way possible can bring peace and enjoyment, especially if one is older and lives on a limited amount.

[@amy2284]

Love your videos Kate Someone once told me the best way for people pleasers like us can think of :”when we say yes to something, we are saying no to something else (our family, our goals, ourselves)”. We just can’t say yes to everything so promises to ourselves or our peeps need to sometimes have that “no” as a complete sentence.

[@KateKaden]

Thank you Amy!

[@RN-mn3jn]

I’m elevating my income with overtime. Lots of it this month and next.

[@sjordan7085]

I remember having to work OT at Christmas once. My daughter needed money to pay for text books for univerisity, and could not afford to buy them. It gave me great satisfaction to be able to tell her that I could! Double time and a half was quite a chunk, even years ago.

[@staceypennington919]

I work at a middle school and we have a TON of spirit days. Well I decided for 2024 I am saying NO to all of them. Not only for my closet space but for my budget. I can be involved without spending the $$$.

[@jonitadonque9255]

I agree. We must have a part-time job.

[@KateKaden]

Happy frugal Friday Jonita!!!!

[@annkrull9894]

I got a very part time job ladt week helping an older man sort his meds...set up his life alert and sorting and labelung his photos. He was a photographer but not at 88 cant easily write. One day a week job!

[@KateKaden]

Extra money! WOOHOO!

[@lineazielsdorf1358]

You are so right that we need to know when to say no

[@vonalaird1883]

I have set up and account that is just for fun and interesting things that will come along, such as a concert or any other things. That sre not really planed. What i like about getting out of debt, is knowing that I should have some money for when really good opportunities come along. I missed so many when I was so broke.

[@valeryrodolico9238]

HAPPY FRUGAL FRIDAY, KATE AND KSQUAD!!! Just to clarify what Rosie said in the live chat: 1. She was worried that the expected snowfall would cancel school, but I told her it was okay at the last minute. 2. I didn’t say she was “too young” to have a budget. I said she doesn’t have any expenses right now. But she does use pencil and paper to track her savings and spending. 3. She is paid a commission instead of an allowance (thank you, Dave Ramsey), and she LOVES to cook, so we opened Rosie’s Cafe. She does my meal preps for the week, keeping me healthy on the go, while adding to her savings goals. Thank you ALL for your encouragement and support, and unwaivering patience. THIS village is raising her up strong and empowered! ❤

[@SassySue67]

I think you are doing a great job with Rosie, she seems to understand the budget concept. I enjoy reading her comments in the lives as she adds a fresh prospective to what all us Adults deal with as far as finances are concerned. Great that she’s getting a head start. She’ll do great things as an adult.

[@valeryrodolico9238]

@SassySue67 THANK YOU SO MUCH!!! This channel has been a true source of positivity for her, not just about finances, but community. I appreciate you all! 🤗

[@greaterishe7197]

Love this 💕

[@KateKaden]

LOVE YOU VAL!!!!

[@blackjag121]

Hi Kate, Are you going to give an update on your mortgage payment? I love those videos. It gives me inspiration about when I get my home.

[@KateKaden]

I'd love to! I will put that on my list:)

[@kimwieczorek1879]

😂Yes! Serial pt worker ! I worked 7 days a week, 2 cashiering jobs(loved getting 2 paychecks), sold Avon +Mary Kay...❤

[@KateKaden]

Kim!!! YESSSSS!!!!! I feel this!

[@sandrabryan9106]

Since I am under budget, have a full freezer/pantry and have paid my bills for February, I will be depositing my entire month end pay into savings. I will be doing a small stock up on items that I have a coupon for, will get back store reward points and/or cash back points. This week I will buy an extra box of pancake mix and syrup for $4.50 each (CAD) and because I am buying 2, I will get back $5 back in grocery points. Also, I will be buying on sale 2 tubs of Yogurt for $2.99each. I have a coupon if I buy 2 tubs I will get $1 off. Also I have a cash back offer for the yogurt giving me back $1.25 each. That should be it for groceries this week. Happy frugal Friday 😊

[@kaitlinobrien243]

Sandra 🇨🇦. You are doing great. 🇨🇦 I just returned to live in Canada after eight years in Ireland. I am gobsmacked at the price of food. I am currently on Vancouver Island heading to Alberta in March to live. I am up for the challenge of eating healthy and simple on a budget. Sandra you sound like you have it nailed well done 🇨🇦🇨🇦🇨🇦

[@sandrabryan9106]

@@kaitlinobrien243 I use reebee to compare flyers and have checkout 51 and Caddle as cash back apps. They are good in Canada

[@paulsargeant3764]

Hey, i haven't spent anything yet. I have also added pie charts to my budget & food budget so i can see it differently.😊😊😊😊😊😊😊

[@KateKaden]

LOVE THIS!

[@Purpleaggie05]

Do you have any tips on saving money on pets? Food, litter boxes etc. love your channel! 😻😻😻

[@arthurmantzouris4413]

I always say no no matter what it is all about. I know my budget very well....I do a zero based budget along with a backup doing the envelopes system....which helps very much...😊😊😊

[@kaitlinobrien243]

Thank you Kate! I am starting of 2024 back in Canada 🇨🇦. Readjusting 😂 omygoddess the FOOD prices!!! ❤❤❤

[@Prinita-w9t]

Be laser focused on enjoying budgeting, having fun, and my spending plan 😊

[@KateKaden]

YASS!

[@katsfarm2062]

No spend January has helped me on my wanting to replace my bathroom floor and I've decided I don't need too much

[@lylagray9669]

I needed this, thank you! Need some help saying no, as I seem to have trouble when it comes to sales and such. I am getting better, but not perfect.... progress over perfection, right?!?!

[@conniemcintyre6973]

Happy Frugal Friday, KSquad!! Sending love and warmth from sunny Arizona!! Stay warm Kate! Have a Great weekend!! ❤❤🌞🌵

[@kaitlinobrien243]

Connie I am shoveling snow here on Vancouver Island Canada 🇨🇦. Enjoy the heat of Arizona! The snow is Beautiful 😂 really!!!

[@conniechuha3113]

After my no spend, I'm going to dedicate an amount for me. In the past, I would just spend the money if I needed it, within reason. Now I'm going to budget for "me".

[@JudithMcPheron-pb9lv]

Hi Kate and K-Squad. January is going good, spent only on my planned expenses. Love a good no spend month. Have enjoyed reading the many comments left by fans today. 😊❤😊

[@gingerstrait836]

Good morning Kate! I am learning to DIY household maintenance. This save a lot of money!

[@emilyswinarski]

I am extending my no-buy into February. I realized I'm highly influence-able (?😅) and I am trying to break that!!

[@susanbradshaw5827]

Great advice! Thank you for sharing your experience and knowledge to help us elevate our finances. I’m in the middle of no spend Jan and I have to say it’s not as hard as I was expecting.😅

[@KateKaden]

WAY TO GO SUSAN!!!!!!

[@minecraftplayslmg9608]

Kate loving your manicure! Which nail color did you used? Looks so natural! Indiana loved all the tips.

[@KateKaden]

Hi! It's OPI "Let's Be Friends":) Thank you!!!

[@rachelr9272]

Our No Spend January was going so well until this last week. We had a plumbing catastrophe (collapsed sewer pipes in a house from 1900). $30K later…we’re using our emergency money and I have a plan to pay it off by December. (Insurance denied the claim). I’m thinking it will be a No Spend 2024🥴. Seriously though, you guys - Kate & the K-squad, are such an amazing support group🥰

[@KateKaden]

AHHH! Rachel! Yeah plumbing stuff, ya just gotta handle, but it STINKKKS! AHHH! You handled it with grace. Proud of you!

[@lisagardner9798]

Great advice as always. Thanks Kate! Hope you are staying warm! This past week has been challenging my family and animals with the extreme weather we’re having.

[@terryhenderson424]

Stopped at Jack in the Box instead of McDonalds yesterday with $30 bill. I think a level of understanding was reached that was worth the cost.

[@heatherschaffer1286]

Could you possibly do a video on your favorite books you have read over the years?

[@KateKaden]

I will write this down for a future video! Thanks for the request!

[@kaitlinobrien243]

50,000 plus fantastic. Just seeing the 50 for the first time ❤❤❤.

[@catherineprairie4441]

I am LOVING no spend January. Going forward, I am being kore intentional on what items I spend money on (is it a need or a want, can i afford it, etc). My 12WY plan revolves around decluttering qnd organizing ky home ao buying new things doesnt align.

[@karenbachar5253]

Sorry about the cold Kate. Living in AZ it's just not the same....However in June when it is 110 let's chat again lol. Love your channel and feel like Inget to check in with a frugal friend every week!!'

[@KateKaden]

Thank you so much Karen!

[@conniemcintyre6973]

I’m in Tucson!!! I’m loving citrus season!!! Oranges for the win!! Not missing the cold back East!

[@christina8118]

Always happy for frugal Friday!!

[@KateKaden]

Me too!! Hi Christina!

[@jackiemcos1407]

I believe in college you worked at the library, the tanning salon, and the photography studio. IN ADDITION to being a full time student getting great grades!

[@KateKaden]

OMG YESSSSS!!!!!!! LOL! It was a BUSY 4 years! LOL!!!!!

[@Ripplesinthewaters]

How can I convince my spouse that saving off the top is sound practice? He thinks it’s folly prefers to save whatever is left at the end of the month. I recognize that doing that pretty much ensures that we’ll save very little.

[@SalvagedSoul1111]

Hi! What I did differently, after all of these years, is ...... I paid myself first. Started with 10% and it appears, since I actually wrote everything down to plan ahead for the month, I'm going to be able to add even more to that amount! Happy dance! 🤸‍♀🤩

[@KateKaden]

YASSS!!!! WAY TO GO!

[@linelamothe8727]

Love this week's video and also resonated with your comment about "frugal living is not about deprivation". We should be able to enjoy life and the experiences that it offers. Loved the no spend January challenge and will do a few more months (once every quarter) of no spend this year 💪 Looking forward to seeing the results.

[@KateKaden]

Thank you so much!

[@lineazielsdorf1358]

You are an amazing, hardworking person. 😊

[@KateKaden]

Thank you so much 😀

[@thefrugalcyborgmriii3531]

Happy frugal Friday, Kate! The one thing I have to work on is saying “no!” have an awesome frugal Friday, Kate! bOOM!

[@kathypeterman2886]

I love your very down to earth real approach to money. Thanks so much for all the tips and insights!!

[@KateKaden]

Thank you so much Kathy!

[@dianne1851]

A bit cool here in Tampa. Going down to 37 here tonight.!!!!

[@KateKaden]

Even in Tampa! It's COLD:) Hi Dianne!

[@ubwaterman]

Hi Kate! Love this channel and your great personality!! not to mention all your helpful information. Sher

[@KateKaden]

Thank you so much Sher!

[@gailtester8749]

Instead of just saying No, with no explaining or giving TMI, I say, 'No. I'm just not getting a yes on that.' People understand that you are consulting your inner voice and always accept it.

[@sophiadrummond4155]

😂 love the no. Not getting a yes.

[@rochellethundercloud346]

I have decided to adopt a no spend lifestyle. If it's not urgently needed, I won't get it, regardless of price. I don't want clutter,life is too expensive to be wasteful

[@julienichols8598]

Love hearing the Ramit influences. ❤

[@KateKaden]

We read his book together in book club a few years ago:) Did you also watch the show he was on on Netflix? Good stuff.

[@julienichols8598]

@@KateKaden Yes! And, I look forward to his Tuesday podcasts too - very interesting to hear people's backgrounds and how that affects the ways they think about and handle money. His book is a great guide for beginners - very easy to read and implement some of his ideas to make things easier.

[@beckstem9838]

I was raised Catholic, went to a Catholic school, and have The Guilt. In fact I always say I graduated from Our Lady of Perpetual Guilt. 😂😂

[@KateKaden]

😀😆

[@LisaJohnson-g8q]

Thank you, this is helpful!

[@KateKaden]

You're very welcome!

[@terryhenderson424]

We sure feel like we're on a budget by golly. Actually, we have been BUDGETING but must conceed that while we arent flush we have enough to do more than just barely pay for the immediate expenses of 4 walls; cyclically in large part because we are budgeting. Will be listening because we are in a saving mode for spending purposes.

[@KateKaden]

YAS!

[@southernnaturalhairaffair7912]

I NEED TO MAKE MORE MONEY!!! Sorry felt the need to yell it to the world 😩🤣🤣

[@KateKaden]

Yell it loud!:) :) :) Thanks for watching!

[@terryhenderson424]

When you say "no" and there's that real or just plain seemingly awkwardness - Pass through the present but also dont run from the future. Give that individual, group of people, or situation at least a second chance of continued/ additional involvement; within limits of course. Often what you are doing is changing the dynamic of what you are doing, how you are doing it, the relationship, and more. It takes folks a little bit to get adjusted, figure out how things are going to proceed, etc... If you know ahead of time, it smooths things out to pre-announce then follow through; for goodness sake, don't whimp out on following through. Changes in gift giving, afternoon shopping get togethers, lunches and/ or coffee out, etc... are the things that come to mind. But also those long distance get togethers be it annual family holidays or those weddings which cost you $1,000 to $10,000 to attend and even be a part of.

[@KateKaden]

YASS TERRY!!!

[@RavenSelena]

Excellent tips!!

[@KateKaden]

Thank you so much!

[@TheLongRunwithJoelandChristy]

Made me think of Phoebe. “I wish I could but I don’t want to.” 🤣🤣🤣

[@KateKaden]

EXACTLY!!!!

[@lenamillsaps6031]

Can you show us your budget routine and kind of fill in how it started to where you are now with it? A financial routine is my goal this year!

[@alhood3]

Know when to no. 👍🏼

[@KateKaden]

YASS!:)

[@shelbygreen3404]

Awesome 😊

[@sherrainehiggs7380]

You have a high work ethic Kate.

[@KateKaden]

Thank you very much:)

[@smartypants1980]

Yay! It's Kate

[@KateKaden]

Hi Scott!

[@allikat1352]

Good morning! I almost caught you right at release time!

[@KateKaden]

So glad you're here!

[@taylortrends2319]

Hey Kate I plan on starting the 100 envelope challenge with my bi weekly paychecks do you have any advice? Or have you done this challenge? I want to do this to prepare an emergency fund for my family.

[@KateKaden]

Hey Taylor! I've never done it! Me personally, am not into the envelope system, but I've heard it works for many people:) I LOVE that you are preparing an emergency fund for your family! You've got this!

[@queenmarymullin7345]

Paying myself first wow

[@KateKaden]

BOOM!

[@kellykimball2099]

February is a stock up month, 🎉

[@KateKaden]

NICE!