HOW TO BUILD YOUR OWN FINANCIAL PLAN WHEN SH*T HITS THE FAN! INVESTING, SAVING & MORE.

[@KrystalToddCPA]

If you're watching this type of content you are already going in the right direction!! A lot of people are still in lalaland.

[@ngumabi]

Oh yes!

[@rachelscurlygirls]

The Cash Compass so true

[@clair233]

Agreed

[@ifedola1]

The Cash Compass I couldn’t agree more. 👌🏾

[@domingasuare8801]

The Cash Compass this comment made me laugh so much “lalaland”

[@Waleochronicles]

This Crisis is gonna be a wakeup call for many people financially. Having an emergency fund is financial literacy 101. It should be included compulsorily in expense budgeting.

[@kemi8143]

I have been saying this all along. The way people are crying not even able to pay for the next month! No. An emergency fund is essential. But I personally have more than 3 months worth of expenses. 6 months will take away worry should it really go down. i. global pandemic!

[@dolly20ify]

Lets check our privilege here a lot of people live band to mouth and can barely afford their bills for each month, it’s easy for the rest of us to build an emergency fund(myself included) when you can afford it. You can’t save money you don’t have

[@prosperity4581]

Dolly bravo for this comment!

[@Kitchen.convos]

Best advice my mom gave me was to always have a seperate account with an automatic transfert and just forget about it. That cute bag or skincare haul can wait 💁🏾‍♀️ let’s switch to financial girl summer this year 😂

[@ginasibanda1314]

Yes girl

[@MariaAvi]

'financial girl summer' Love this.

[@BornaBlessing13]

Afro Fusion Cookbook best advice, they don’t teach that in school. I am so down for a Financial Girl Summer 🧏🏽‍♀️

[@Kitchen.convos]

Cherry Bf let’s goooo 💪🏾

[@charlottecoakley7794]

love this! financial girl summer 👏👏👏

[@msNightshade452]

Thought I'd share some of my financial successes: I paid off a loan and a credit card last week. I have one more credit card to pay off and a car loan, but I feel super focused on getting my financial situation in order. I love getting inspired by your videos and the messages you provide on channel Patricia! Xoxo

[@charlottecoakley7794]

👏👏👏👏

[@Mrmkndr]

Bravo ! Put that credit card away

[@janicepipper2603]

Had same issues, mine was 3 credit card and some pretty loans that almost got me insane, until i ventured into crypto-trading, cleared those debts within 2 months of proper trading by a professional, and i've amassed about $85,000 in savings within 3 months. what a time to be alive!

[@FIRVM9999]

Good job! 👏🏼👏🏼

[@Suzanne3010]

How??????

[@gifty2595]

Excellent tips! In the words of Warren Buffet 'Someone's sitting in the shade today because someone planted a tree a long time ago.' Thanks Patricia!

[@LayonieJae]

Gigi Amore yes love this!

[@lrj4422]

Kendrick Lamar - Money Trees

[@kerithkanyumbu1645]

Sometimes the change that needs to be made is trying to earn more. I think its not spoken about enough. If you are not making enough money, you could try to budget as much as you want but it just can’t work because you’re not even spending money on lavish things but the essentials so there’s no where to cut.

[@dolapss1]

👏🏽👏🏽👏🏽

[@kanyfall2243]

YES YES YES. Im here for the investing serie. It’s needed these days more than ever

[@rachelscurlygirls]

I had been putting off saving an emergency fund for a long time ... the irony .... but as I am still fortunate to have a job atm my intention is to save up 3 months of expenses ASAP... thank you for sharing, a lot of people will need to hear this advice 🙏

[@GiftWogu]

When it has to do with finance, this is my favourite channel. I started actively sharing freelancing tips on my channel because of the way Patricia gives us financial tips for free on this channel. This is the content we need in this trying time. Thank you Patricia.

[@ron-dilacey6527]

i can't wait for the investment series... I've lost my job since this crisis but i'm holding the faith and i started looking into investments late last year so I would really appreciate the help :)

[@janicepipper2603]

You should consider Crypto-investment, i've amassed about $30,000 in savings within a month of proper trading plan by a professional.

[@diariesofagrowingcaramelqu6665]

Keep your head up sis, you will be okay

[@ron-dilacey6527]

@@diariesofagrowingcaramelqu6665 Thank you. I'm trying not to go in a slum... I've been working out and doing stretches.

[@kmr8139]

@@janicepipper2603 how ?

[@ja3594]

The guidelines 👇🏾 start from 0:00 please 1. Have a reality check 1:07 Get a piece of paper and have a reality check. What has gone wrong! What is the external factor and the internal factor. 2. Identify your needs/your goals. 2:40 What is the the target you want to achive, cover, protect? -What does that numbers look like? 3. Use a personal budget planner. 3:30 (Help to get a clearer picture. That will allow you to save.) What is going in and what's going out. *20 min to 1 hour* 4. Create an emergency fund! 4:48 -1 to 3 months worth of living- 4. Reduce your expenses where is possible. 5:40 Tips 6:04: • Shop around and and cut those cost. • Do let your provider know if you are struggling And more 5. Automate your experiences. 8:11 Set a direct debit for your expenses s you dont have to to think about it. 6. Think about an investment plan! 9:13 Make your money work for you. Putting your money into something to return the money. - Into a pension!

[@missfavoured]

Thank you for this guidelines!!!

[@emmaleegagnon9894]

I am a soon-to-graduate young adult, and this channel is super helpful. Thanks for all the info, Patricia!

[@naiflower6008]

I've started to save £50.00 each month 😊 and plan my finances, looking at debts to be more organised❤️ this video is everything. Thanks 😘💋

[@hilaryjennifer]

This crisis is definitely a wake up call for the most of us!

[@dgm3033]

Please Partricia do a series on investments. I just became financially aware and im 33 i wish i knew some of the things i do no in my 20s but its ok im starting now. I would really be interested

[@missfavoured]

You’re not alone!

[@thempoweredtribe5867]

Yes, yes and yes! I preach the 30 percent rule - 30 percent of your income should always go to your savings and investments.

[@ZukkKiana]

I have genuinely felt so much more organized financially ever since I subscribed to this channel👏🏽

[@Jamesparry1]

Please do an investing series I’m 23 I’ve got my “budget on lock” and I’m looking to start investing but don’t know where please so a series to help me thanks P.s loved the video

[@munnypmotion]

Hi, I'm always interested in different ways of investing and i know Patricia will give good advice. I just thought I would share some tips and info of where I started. First, there's so many different types of investors out there, you can do it all if you want to diversify which is KEY, but depending on factors like your income and savings, season of life you're in, will mostly determine whether to focus on long term or short term investing for now. I have so much info to read and watch but I found these people gave a good foundation of knowledge for investing: jlcollinsnh.com/stock-series/ kzbin.info/door/9OIwUcx-Uss7xj7s1P5XGw kzbin.info/door/DXTQ8nWmx_EhZ2v-kp7QxA

[@hajamanseray7382]

Munirat Plummer thank you soo much

[@Afylicles]

I came to the realization that credit card & i are in a toxic relationship. Slowly paid off over $9k in debt, i have $500 left...part of me want to break up for good with the whole credit card relationship. Bcos i always max out. My goal is to buy my house this year or early next year. Focus and know your financial reality like no joke...

[@TheLazzzyStudent]

Good luck with everything! You got this 🥳

[@theESKIIshow]

My focus for this year is to develop and change my relationship with my finances and your budget template has been an absolute game changer for me! Thankyou Patrica xx

[@annikanocera9837]

Great great video! Saving money is so important, especially nowadays! I've been working for 5 years now and at first my salary didn't allow me to save up, because it was so low! But in the last 2 years, I found a nice employment which allows to put some money aside and I also started my pension fund, I pay about €50,00 per month, it's not much but it's a start and it will all come back to me one day! I'm out of work now but I haven't lost my job, I'm trying to stay positive and I know everything will be ok, somehow! So guys, don't you ever give up!

[@Real-Imperfect]

One of the first #quarantineGang. Like if you’re going to cherish life after Quarantines over

[@LCelineFitness]

100%

[@bellamenzies6777]

I am a financial adviser and you are a queen I love your advice!!

[@charlottemccollum6925]

Hi Patricia, I wondered if you could do a video about financial planning and budgeting for students at university! i would love to hear about your life at uni and how you navigated the transition between being a student and working both financially and personally

[@charlottemccollum6925]

p.s I love you

[@jaelasam]

This is exactly the kind of content I needed to keep me grounded in times like these. Sometimes the stress makes me want to spend more than is necessary but the key is not losing sight of the security I am striving for. Great video🙌🏾

[@aboutdesign8576]

honestly thank god for patricia! one of the only youtubers who truly keep it real and still manage to upload interesting content

[@nataleesimone9222]

Thank you! Thank you! Thank you! I'm 18, and you are a lifesaver on adulting.

[@NaijaHairQueen.]

this is the best content when you are trying to keep your finances in the right direction

[@AndraDorolti]

Yesss ❤️ my husband and I are very passionate about this topic and we have been doing pretty much everything you said for a while now. And now during this very horrible period we don’t have to suffer from financial stress. Being smart about money really pays off especially in the long run

[@hamiltoncollins8438]

Found your channel lastnight this is the fourth video I have watched and already I have subscribe and have recommended your channel to friends who are on the same journey. I feel positive about my journey great things are gonna happen and this year and years to come, thank you pat and to all other youtubeers who have influenced me.

[@millzmaz8155]

Thanks Patricia,you are a woman of wisdom. I've bought your budget template,its really helpful.God bless

[@tayoni-shang9350]

Great video, thank you so much! Could you do a video about UK taxes and how it works, especially as it relates to how you get taxed from your work. I’m about to leave uni and start working so that would be really helpful!

[@lazygirltriesstuff8173]

I emptied my savings getting my roof repaired after Storm Dennis, literally got it fixed the week before lockdown because I didnt have enough and had to save. Now all im focusing on is getting myself some kind of buffer, im self employed and the chaos is freaking me oooout I feel like a squirrel desperately scrabbling to bury acorns lol

This is so great to watch. I honestly have been skipping past these videos because I'm not the best with money, but I see that the earlier I start the better. I love to learn these principles from a black woman as well.

[@JustAmberr]

Patricia you are such an amazing woman! You are confident strong and just a bad ass!!!! I have watched you for years and you have inspired me to began my youtube channel. Although its tough to get peoples support and i want to give up sometimes, I watch a video of yours and it brings me back to the reason why i do this. You inspire me to be a rock star just like you. I love filming and I love makeup and I love you!!!!

[@SoCalledFashion]

i love this girl, so smart, so funny and great advice! i subs when i saw the 65k yearly budget video and honestly she dose not disappoint! i'm doing literally all the steps she's talked about and it makes me feel better in this situation to know i'm on the right track and doing things that need to be Done! 🔥🔥🔥

[@kneegrowx]

"Take a cold hard look at your current truth and know that it isnt going to be your permanent story" ppuuuhhreaaaachhhh mama

[@Tashas_Travels]

My target is to save to travel to Australia next year and saving for my first small house

[@vivianglitter93]

Natasha Selemani if you have to save to travel, honey you can’t afford it. Reevaluate your priorities. Let me ask you, why do you want to travel? To take photos and post on social media? 🤔

[@ellax325]

@@vivianglitter93 Or maybe she just wants a vacation from a rigorous job that drains her? Most people save for vacations, they aren't millionaires who can afford to take a break when they want. The OP should take that vacation, she hasn't lost sight of her goal which is to own a home.

[@Emjay89]

Vivian Ekwuru holidays aren’t cheap. The fact that she mentioned she is saving for a small house means she has her priorities in order and not recklessly spending on holidays.

[@jstarrbiz]

Smart move. I have a travel sinking fund. I use it for planned trips and last minute trips so everything is covered in cash. You should save and budget for everything. I even drop my fun money into a high yield account so it can earn interest!

[@Tashas_Travels]

Vivian Ekwuru my dear i have my priorities straight? Why the hell would I travel to a country for Instagram photos? That’s absolute madness. I’m traveling because I want to leave africa for the first time and explore the world , secondly I’m traveling because i plan on moving to Australia permanently so I have to go and see where I’ll be moving to for good , to start my life, my business and my future family. 2nd I’m already saving for my first home and I’m only 23 years old. I’ve worked so hard and I have decided to buy a home and hope to buy more in future. Stop assuming and judging people When you know nothing! And besides i work for my money and can do whatever i want with it. But I’m not that desperate to travel to a country for photos that i can take here in South Africa 🇿🇦 where i live.

[@jackiebobh52]

Fellow south Londoner here 👋🏾. Thank you for the great financial content. Definitely interested in the investment series. Im in my late 20s so great time to build towards my financial freedom x

[@sarahjohnson9655]

I need a video on a pension and a series on investing please please please!!! Thank you!!!

[@lynneshrode2927]

Yes please, I would love it if you would do a series on investing.

[@Haumea879]

I love the budget template. Purchased in January and thankfully I am able to stay on track.

[@Leecy-Rose]

Investment series - yes please Patricia! Hope you and fam are well x

[@wingzzzzzzzzzz]

Love this! Please please pleaseeee do pension plan video 🙋🏽‍♀️❣️

[@LattyCouture]

I have my pension fund, but how can I investment. can you do a series on that Pension Plan please🌟⭐🌟⭐⭐⭐

[@KhadijahKMalik]

and I use your budget planner, it is insane and helped me get my finances on track, thank you so much!!

[@unityceleste]

Can I just say, I bought the budget tracker a few weeks ago and I'm so glad I did! It's so detailed and really does give you an insight into your financial habits. I would definitely recommend.

[@LayonieJae]

Writing it all down on paper and getting it out of your head is always the best way, you make yourself dizzy otherwise and this way everything all looks clearer! I’ve just finished your course Patricia, I love it although I have a long way to go before I can monetise on my channel yet 🙈 but I’m taking your advice and rolling with it 💁🏽‍♀️

[@rafaela1787]

YES to an investing series !!

[@chanellaDaboss]

Honestly, I'm good with money but I just love your tips! Good reminder!

[@TarynMychalMai]

I am so happy that you created this platform!

[@chiaraippoliti]

And if you get money from the government, please don’t spend it on frivolous things. Save or invest that money!

[@LittleMissDeeDee]

I’ve been using your template. It has been very helpful. Thank you xxx

[@KhadijahKMalik]

My absolute queen!!! I was waiting for a video like this from you!!!! I already know ill love it!

[@ditebogollale7220]

Just realised that I'm definitely spending too much on food right now ... And this is having an adverse effect on my fitness and financial goals ... Very helpful video thank you...

[@mayasondhi1469]

YESS definitely a pension video and even if you could a video about investment and the best ways for beginners! Thank you so much x

[@sandieheron8819]

this is crucial! Thank you sooooo much for these tips. You inspire me!

[@heroinehairsalontv5380]

So necessary! Thanks Patricia x

[@yellowsun.1776]

❤️ Thank you for the content, hoping everyone is ok during this time ❤️

[@ladyjane07]

I feel like Dave Ramsey is saying “yall just don’t listen “.

[@callmejo6]

ladyjane07 Lolol love him ... he would be yelling “stupid?!?!?!” Right now

[@bysandylin]

I have been using Patricia personal financial planner since January 2020 and is probably the best planner ever !

[@Chinwuba24]

Literally the best financial advisor

[@KEGrant]

Can’t wait for the pension and investing series videos!

[@dainasinclair838]

Hi Patricia, thank you for such an informative video, please do a video about pensions!

[@TheDentistryDiary]

Asking yourself the questions you mentioned wow it actually makes you realise how to prioritise your stuff. I’m a student so have been budgeting but this will help me even more :)

[@serenagrillo9683]

hmm, I'd say these are more things to do IN PREPARATION FOR a crisis rather than while IN a crisis...

[@RayEmureMusic]

What I've done is reduce my weekly expenses as low as possible and obvs have taken out work travel costs. And then I have also asked all of the places where I pay monthly bills to reduce my repayments to half for the next three months and make it up over another three monthly period thereafter where things will get back to normal (hopefully)

[@masseiy]

Savings tip, remove your extra $$$ from your spending account ASAP so you can’t impulse buy. Also every month just look at what you’ve spend your money on and add up all the nonsense/impulse buys. It hurts too look at your nonsense buys and see how dumb they are but it changes your behavior REAL quick.

[@SimoneZunterer]

yes please do an investing episode. i am veey conservative when it comes to my savings so i dont trust people who tell me "do gold!" "do stockmarket!" "do this... do that!" finally i want to save money for buying a property somewhen (i am in my mid 30´s so theres not so much time to pay all the money back) but at the moment i dont have enough (10k) for even thinking about buying a house.... unfortunately we dont have many of those possibilities you got in the UK here in Germany.

[@mariy6254]

This is so valuable, thank you so much Patricia!!!

[@deletedaccount5784]

Love your content ! Thank you for this!!

[@kittymonsta_pt6209]

Love love love this channel, always looking forward to these videos! Been a loyal supporter from your beauty channel and so happy to see your lovely evolution. INVESTMENT SERIES, LOOKING FORWARD TO IT! ❤️

[@charlottecoakley7794]

the break platform is giving me life!! so many truth bombs financial growth 2020! can't wait for an investment series 👏

[@elenaespinosa-p9j]

You get me excited to save my money!! ❤️

[@tonijones727]

Hey beautiful lady!! Hope you and your beautiful family are all doing well. I currently have Corona virus and am suffering with my illnesses 😢 cant even see my boys because of it :( I'm panicking about paying Bill's as my disability money goes on living not on helping with my disabilities like it supposed to be there for. But life could be worse!! When I am feeling so rubbish, I love love love to watch your videos on all channels. Love watching the ones on your "blogging" channel where you show your amazing ventures. You are INSPIRATIONAL and I hope you realise how inspiring and motivational you are in many aspects of life. Plus you are my kinda friend with your personality haha!! Sending lots of love and we wishes to you and your family ❤ Stay safe! ❤

[@ngumabi]

Wishing you a speedy recovery❤

[@lumilabiyi]

Wishing you a speedy recovery. I pray everything goes well with your health ❤❤❤❤

[@cryptoflippodcast]

I'm really sorry to hear that Toni, I pray that you get better soon and hopefully you wont have to worry about your bills. Do you have a side hustle?

[@tonijones727]

Thank you all so much! You are all so sweet, thank you!! I am fighting for my boys sakes.❤ Sadly I dont have a side hustle I dont think 😢❤

[@languagestoryteller8663]

Wish you great health and quick recovery dear.❤️

[@ladallyfamily6099]

Full of tips, as always! Thanks for sharing 😇

[@sophknows8220]

Yams please make a video about the different pensions available. I’m recently self employed so I have no idea what to look for!

[@reshaddaniels__]

Just as I was rewatching your old videos 🤧💗

[@heycarmis9729]

Yes, we need an investing series, please! Love your videos you're always so informative and make everything easy to understand! Stay Safe (:

[@TheRoxStarlet]

Yesssss to the investing video! I have been wanted to learn about investing in Stocks and Shares for so long but don't know where to start 🙈

[@Desiraymershani]

Thanks Patricia!! Really needed this content as a sign to cut back on expenses and face reality. Before this video I was making a pros & cons list. Great video! Excited for the investing series!

[@VirgoQueenBee]

Please also do a video on how to set up a SIPP as I am very interested. 👌🏾

[@JkaysCorner]

I'm looking forward to the pension episode. Thanks for that 💚

[@TatendaHenany]

This is amazing advice to really be realistic about ones finances especially right about now. A pension video would really be helpful. Than you for dropping some gems Queen!

[@annabellerose2482]

Yes to an investing series!

[@avabraxton7415]

Great information! Now it's time take the time to apply this.

[@louisaokogwu1]

hm! food for thought. I've been saving for 8 months to get a good camera for my channel by the end of summer. slow but effective

[@marcellasmind]

Hi, if I was in your place I would rather wait for Black Friday because you will get a better deal for your money. And the time difference from the end of the summer to Black Friday isn't so big 😉

[@MsDaaz]

Yes, let's go to the investment series! I have some money «sitting» on my bank account, since all the investment options I found (in my country), are not interesting at all (a return of 0.5% on my investment is...null at least). I don't really know what to do, I would like to invest, I have a fund to invest... but no interesting options.

[@nadiaborges.]

Yes, investing series 🙏🏾👏🏾

[@DivineTai]

Ok so I have about £35,000 saving, however, just before lockdown I started a house purchase I have a mortgage offer searches are being done, surveys are done and I’ve signed and returned the contract, but now I’m so scared that my “security blanket, £35,000” is gonna go so..... it is soooo scary.... I don’t know how people live without a saving I would be stressed AF. Can’t wait to start building my emergency fund again.

[@centside8509]

Thank you for the tips and encouragement.

[@sarahbutler9587]

Hi could you please do a video on which apps for investments and shares to us,e such as freetrade, wombat, nutmeg ect. There is soooo many out there and I don't know which one to go for. I have spare money I have saved separately I can use, but I don't know which one to go for.

[@lorenzomartin5497]

you do not just need a trade app. you need to get into a community of traders and leverage off their expertise. They offer better and more understanding approaches to the financial market.

[@sarahbutler9587]

@@lorenzomartin5497 Hi thanks for the reply, yeah I have thought I need someone who is in that trade already and knows more than I do. I have been talking to someone lately but I've just been holding back.

[@lorenzomartin5497]

@@sarahbutler9587 [phone] *hit me up* *whatsapponly*

[@AD-vp6cz]

The content we need right now Thanks Patricia xx

[@aleksandralazarevic1670]

Please Patricia, make a video about self invested pension plan! Please! It would be much appreciated. Thank you!

[@Fletchiness]

Please start the investment series. Loved this! Thank you.

[@nayantara4560]

Thanks for the reality check! I'm glad i saw this before ordering an expensive pair of jeans which will not see the light of the day because of quarantine.

[@hb5269]

Love all the content on this channel, thanks for sharing

[@rochelleflores7774]

Yes please!! Do an investing series!

[@munahwalker4795]

Great video!!! Do a pension video please!!! Talk about certificate and cd account, and investment series.

[@ChocolateSho]

We need that investing series sisssss! X