How I Budget With A $200,000 Townhome | my limiting beliefs around money

[@shachede6828]

I belive over savings is not good even for your life, because you’re living a life of constantly living scarcity. I think that energy doesn’t attract abundance. I save but I don’t over save where I don’t get what I like but God always blesses me with more more money. Cause I belive in a life of abundance. I think finding a middle ground is very good. Also practice giving, to family, the needy, any charity with a great and good cause. It will help balance your money mindset and relationship.

[@TeAmoAaron]

Yes!

[@CourtneyRenee]

Omg I literally feel the same way I’m 20 and saved 10k already and people are always shocked when I tell them I’m saving for a home. It’s getting to the point where I don’t do the things I love, because I feel like I have to save every penny. It’s so hard ughhhh

[@shachede6828]

Wow take it a little bit easy. And dedicate some money to yourself not a lot just a little bit. You will surely buy a house.

[@CourtneyRenee]

@@shachede6828 thank youuu

[@_caram_]

That is an awesome accomplishment however, you deserve to treat yourself. Many blessings to you on purchasing your home 🤗💚🙏🏼

[@llexcusesll7933]

Girl I just turned 21 and have saved 10k as well!! I hope to save 20k by next year or even more!!

[@sotayshan.3445]

I’m the same way! I budget so much I forget to enjoy my money that I work for. When I finally give myself permission, it feels so good to spend !!!

[@chidum]

I bought a house last year so I can absolutley relate to this. My biggest thing is not spending money on unneccessary things because I don't want to create a habit I cannot break if I need to (ex: nails, hair, clothing). SN: if you don't have TV included in your internet package there are ways to reduce that payment by at least $10, call your provider.

[@eclark4610]

I'm stuck on the less than $1,000 house payment. That's awesome! !!!! Wait.... I have the wrong governor I see.

[@poet82n]

Exactly! I was like $966 mortgage. Where they do that at?! I'm in an apartment and my rent is wayyyyyyy more. Saving for a home, but I live in California and so far what I've seen mortgages for a 3 bed / 2 bath home is $2k or more...smh. Cali is unnecessarily expensive.

[@eclark4610]

@@poet82n No ma'am!! Cali is wayyyyy to expensive for me. I do need to getting a mortgage I see. Regardless it will be less then renting in most cases.

[@poet82n]

@@eclark4610 Yes, it's definitely beneficial to own during these times. My hope is to buy in the next 3 years. I need to save more.

[@eclark4610]

@@poet82n Agreed!!! You will get it :)

[@dottieh.8189]

I’d like to hear more about starting your small business and what’s included in the planner! Congrats on your new endeavors!

[@TeAmoAaron]

Absolutely!

[@123kekerox]

You don’t know how happy I am to see a new video from you !!!!!!!!

[@TeAmoAaron]

I am so glad you're here!!

[@aloushinorris]

Thank you for this! I just got my first appartment at 25 y/o. Feel a little behind so I dont know where to start when it comes to budgeting

[@melmoelmochelsea]

I'm 27, & I'm ready to purchase a home. I'm glad I found your videos! I've got about 10% down so far & hoping to aggressively save this year!

[@AshMoore_111]

I have the same problem sometimes. I went right from paying off my debt to hardcore saving for my wedding and a house. I have little bursts where I’m just so fed up of it that I give myself Freedom to just buy what I want but it is soooooo hard!

[@athena_barnes]

This was great! I'm with you, I've been trying to develop a abundance mindset too. Budgeting & tracking definitely decrease the guilt because I can see everything (income/expenses) at once. Then I can be like yeah spent a lot, but I also made and saved a good deal too ✨

[@kiyahb4112]

It’s so crazy bc I use to watch your videos when I was in middle school for advice on natural hair and now I’m 21 watching your advice with money, home buying, etc. You never know the long term impact on someone you may not even know. Just saying thanks girl! You helped partially raise me in a small aspect 😂🫶🏽

[@TeAmoAaron]

I AM SCREAMMINNNGGGG! You a day 1 rider I adore you! I’m honored to be even a small part of your life 💗💗💗💗💗

[@555Alchemist]

Aaron, we are the opposite lol I spend with no problem (as long as bills are taken care of) but I always feel guilty because I’m trying to save for a home to buy by the end of the year. I’m trying to get like you and SAVEEEE while still being okay with spending money outside of bills. I also realized you have no credit card bills (THATS AMAZING) I’m trying to get like you! I’m excited for your planner, can’t wait to get my hands on one.

[@_caram_]

Me too ☺️ Many blessings to you 🤗💚🙏🏼

[@CourtneyRenee]

I would also like to hear more about your small business

[@breannfrbs15]

I love how realistic and relatable this is! Glad you treated yourself :)

[@_caram_]

When you work hard, you deserve to treat yourself. Especially when your bills are paid. I am also a big budgeter and I also have a planner. It helps keep me on track and get closer to my goal of becoming a homeowner soon 🙏🏼 However, I treat myself once a month 😊 Congratulations on the new business 🥳💚

[@oshinofalakoju5749]

Love this! I still live with my parents and have not created a budget yet...

[@ayannamarie123]

Aw I love this! I have my bills/expenses down to a science & I love hearing about other people’s experience. Also great find with the house!!! So inspirational.

[@shalana19]

I’m 23 and I wish I had the same self control as you when it comes to budgeting. the amount of money I’ve spent unnecessarily for the last 3 years, I could put that money for a down payment. I’m learning to spend less money this year and the years to come.

[@rika87sp]

Glad your treating yourself, you are the reason I found Dave Ramsey in 2017. Changed my life, thank you ❤️

[@Kelly_Nicole80]

I am a chronic saver!! I make good money and hate to spend it. I will spend but not like I know I can. Like all I do is work and take care of myself and my two kids, we don’t travel, we don’t do anything it’s actually quite sad. Before Covid we did but we don’t do much of anything now. My mother who was my travel buddy with the kids is too scared to travel now because of Covid which is another reason why we don’t do anything. I’m hoping to change this in the next year. I want to enjoy life and my money! Not die and leave it all to my kids!!! 🤣

[@tifanitremae]

Omg I feel the same way!! Same thing just brought a townhome and haven’t even furnished it smh

[@_caram_]

You will 🤗💚🙏🏼

[@Sunflower94H]

Congrats on the budget planner🍾 👏 . 🤗 ❤️ it

[@EssencexMari]

I really appreciate when you post especially because of your busy schedule. Thank you for all the valuable information you’ve provided in your videos. I’ve learned a lot from you

[@PrissyKrissy15]

Going through NACA and buying a house switched my mindset to be more in the super saving side. I think it’s good to be conscious of what you’re spending but not to the point of depriving yourself of things. I used to swipe like no tomorrow before my home buying journey but finding the balance is what’s important.

[@SM-lg3mn]

congrats on the raise and bonus!

[@maliamalis6389]

Love this content and same about the guilt !! I’m trying to save for a fun fund so I don’t feel too bad

[@jdub2488]

This was so helpful Aaron! I know for sure that I spend wayyyyy too much money on fast food restaurants.

[@TeAmoAaron]

that is always my weakness!

[@jdub2488]

@@TeAmoAaron I swear I would love to hire you to help me with my fiancés. But I’ve done that before and I really need to take ownership of my own life.

[@aliciamoore8679]

This is wonderful advice! Thanks for sharing! BTW your hair looks so amazing! Please share an updated tutorial.

[@dickersonr6172]

I hope you build credit too! I think that’s important in building a health relationship

[@shadehibbert2988]

Wow! This is definitely a problem I can relate to. Going to start shifting my mind to more of an Abundant mindset. Also, want to share having my electric Bill in an equal payment plan has helped with budgeting too.

[@gaylaroane7442]

Love love love this video!! I am not good at spending so I will be purchasing your budget journal

[@deefun2]

This is so good. I’m a free lance artist/Fitness professional and I know I over spend and just pray that everything gets covered(which it usually does).I need to get a grip and track every single dollar. I’m also a bit sad that your mortgage plus HOA fees are less than my 1 bedroom apartment w/ no amenities/utilities. I need to move back home to Atlanta ASAP😩

[@christiana5254]

Thanks for the update Aaron! You've really been a great motivator and I'm now saving for my own down payment on a house. Te amo!

[@TeAmoAaron]

Te amo!

[@xNeidy]

i loveeee your videos, I can relate with your life stories and just ALL of your videos. it's crazy!! I would be super cool to meet you one day it would be such a fun chat. Blessings to you, girl!

[@jaylaanderson9702]

Oh I love the budget journal! Will you have a digital print version, too?

[@SM-lg3mn]

excited to hear about the journal, cool and congrats! thanks for this video, I need to save :)

[@alondram4151]

Hey Aaron! I love your videos

[@Ovulations]

I love this video so much I have watched it multiple times

[@Micha63857]

Can we get an updated wash video.....been a while..thanks!

[@TeAmoAaron]

it's the exact same! I use treseme shampoo and conditioner. My leave ins are curl enhancing smoothie and eco styler gel. I usually sit under the dryer but sometimes air dry. Hope that helps

[@kathleenharris8824]

This was helpful. I also get paid once a month. We really have to stretch our dollars. I am looking forward to seeing your journal. I write all of my expenses down in categories too. I haven’t thought of grouping it by each week.

[@porschehamilton7594]

May i ask what city youre in? Thats a great townhouse for 200k . Im transitioning from navy soon and want to buy, i just don’t know where i want to be. Everyone is talking me out of Texas. I just like the amount of house you get for the price

[@deder71]

Smart woman no credit card debt!

[@jadini4072]

Girl omg idk what happened but when I saw this vid I couldn’t believe I hadn’t watched you in so long idk what’s up with the algorithm but I saw NO vids for you til now 😭

[@ashleirabesspetion5279]

Love this video! I remember the last time you allowed yourself to spend freely lol

[@tootsiee_roll]

I really enjoyed this video

[@CookinandVibnwithT]

Thx you for being a true inspiration. I too believe in the fact that you can never have enough savings. I know that someone will always have a hand out regarding life and bills. I'm a homeowner as well. Even when my home is paid off I'll still owe the taxes on the land go figure lol. I firmly believe in paying myself 1st I utilize the 10/90 rule once bills are paid the amount that's 100 percent free and clear wifey and I put 90 percent of that in savings and we keep 10 percent for leisure.

[@briainterlude]

Thank you for this!

[@np472]

I have the same non-spending problem. Trying to rework that mindset. Not sure where it came from either. Maybe I’ve been traumatized by student loan debt lol.

[@Lavish.38]

Do you invest? If so can you make a video on it ? Thank you.

[@user-sw5xx1ey9e]

If you don’t mind me asking, since you work in education, are you only paid for 10 months or do they pay you throughout the year?

[@starrkiya]

Is your property tax included in your mortgage?

[@denisseg9103]

Te amo = i love you AARON We do 😍

[@LavenderLife007]

You may have already answered this, but about how much was your downpayment on the 200,000? Just a rough idea or what would you recommend.

[@TeAmoAaron]

I put 20% down but saved for several years to get there. It may be an aggressive goal for some but I really want to own my house outright one day!

[@Fenton_II]

Do you invest in anything besides your retirement account?

[@SM-lg3mn]

you deserve the shopping spree!! haha

[@Brains-vb9yl]

When are we gonna getting a hair vid

[@samanthapenn5096]

I'd love to know how much you contribute to retirement.

[@rhett2036]

😅 քʀօʍօֆʍ

[@0ut1and3r]

wow i hate nyc. im paying $1350 for a goddamn studio.

[@TeAmoAaron]

The south is a lot less expensive for sure!

[@KayGee_yt]

Me with no house: 👀 📖 ✍️

[@TeAmoAaron]

yes girl! lol

[@danieller2812]

Your mortgage is $966? That’s less than my rent 🥴