HOW TO NOT GO BROKE & SAVE MONEY

[@sophiademure]

I've also found having 3 accounts to be best for budgeting. (spending, bills and saving). The savings and bills account shouldn't have a card since that will tempt spending so best to set up direct debits. The only one with the card is the spending account and you won't feel guilty when you spend :). Live within your means x

[@yumiko0017]

I think I might do that as well. I have one account but I think I'll add another one as well.

[@PatriciaBright]

Such good advise, I actually am going to do this! x

[@NaturalRose]

Yep! I do this! Since I'm not paying bills yet I have a spending, savings and transport savings account especially for living in London. My spending and transport have cards.

[@teah80]

Hallelujah! I'm totally on board with this idea!

[@harriettaisibor50]

Best advice. Thank u, I will start practicing this method...

[@PatriciaBright]

Hey my Lovelies!! sorry it's been so long since my last video, have been on my travels again, but I recorded this video as it's a topic close to my heart and I'd love to pass on any tips that have helped me! Hope it helps you too! HOW TO NOT GO BROKE & SAVE MONEY, xx

[@jbryan876]

This Really Helps...Thx Much!!!

[@mariamabiola5431]

great tips....tnks

[@jennyworld111]

Hi, patrica did you get my message via Gmail I sent to you. Yesterday, check your gmail messages.

[@BitsOfThisLife]

Patrica do you use any smart phone apps to keep you guided on what you are spending or saving?. Thanks. xx

[@Carpediem2106]

Hi Patricia! Thanks for your advice! Could you please make a video about preventing tanning, excessive sweating and how to still look beautiful in a hot weather? I would really loooove knowing how you stay beautiful on vacation during summer ! God Bless u in everything!

[@Bramleyhousemedia]

I started putting money aside using a very simple idea; over the course of 52 weeks, or a year, you put aside a set amount of money. In the first week you save £1. The second week, £2. The third week £3 and so on and so forth. You get the picture. One year later you put aside £52 in week 52 and check your balance... CONGRATULATIONS!!!! You've just saved up £1378!!! Anyone can do this. Great video. I laughed at the thought of you spending £600 on eating out in a month. So you basically ate, in monetary value, a second hand car!! LOOOOOL!!!!

[@TheFamilyHood]

I now feel guilty for buying £135 sunglasses. Thanks Patricia LOL. Great video x

[@naomibk-d3l]

Omg ! I couldn't spend that much on glasses that's like what my mum does 😂 awwww xxx

[@fitihab]

Return it, Ms brand-washed..lol

[@kiOtsukero]

k

[@PatriciaBright]

LOL sorry love, we've all been there! xx

[@dontahawkins]

Patricia Bright so is it a good idea to buy a $1000 concert ticket, or do I need to save and buy regular seats?

[@thephoebeway]

'Without vision the people perish!' My favorite line!

[@LizzyAnnVee]

Smart girl! I think it's great how you make videos to help people with life skills and being confident and smart along with your makeup and fashion stuff.

[@PatriciaBright]

Thanks, glad you appreciate, x

[@NaturallyNellzy]

Thank you so much for this video. I can't believe the amount of money that I spend on food alone 😭

[@CharleyCharlay]

Me tooo!!!!

[@dreadee34474]

Meeee too

[@evies9988]

I wish I had money to save! Being unemployed due to health issues out of my control after being a student is so darn hard! Thanks for the great video, will be taking this into account when money finally starts coming in!

[@rachandur]

This is why I love you Pat, beauty with brains, and ur not like some of these you tubers that only concentrate on makeup and hair instead of thinking of ways to better themselves and investing in non materialistic things, good for you hun...you and Mike area fav couple

[@TymetheInfamous]

Great video girl. We all struggle with this! :)

[@PatriciaBright]

ahh thank you xxx

[@AsyaTikk]

i find this type of videos on saving/spending/money in general really helpful lately, especially since i've started living on my own…oh, sometimes my money are gone before i saw them lol now getting organized with it all. thanks Patricia, always great and useful tips! xx

[@nicoleparkes6056]

I love you Patricia, your like the perfect youtube girl-friend when I'm in need of advice or styling ideas!! I spend far too much on clothes and I'm about to get a new car so this helps!!! xx

[@kaztazable]

i am a student and i must admit, seeing haul videos makes me feel like i need to go out there and buy stuff as well. You have really helped me with this video!

[@LindaLynn93]

Working part time in a retail store and getting paid every two weeks is so frustrating to save, pay bills, and budget money. I always notice some of my co-workers spending money on nice things and sometimes I get a little jealous. You were right when you said you never know where their money could be coming from, and your tips were gold.

[@foodsciencetips101]

I love you so much like ugh it's unreal. I hope to meet you someday! I def needed this video ❤️

[@Teeybabyboo]

wow you really hit the nail on the head when you said "stay in your own lane" people watch youtube videos, and wants to buy whatever they see even if they do not have any use for it. just because someone else has it. i really enjoyed this video. I have a shoe obsession, and online shopping makes it so easy to spend money. I have closed some of my online subscriptions, or i put the item into the cart, and leave it there until it expires. i find that helps. Great video. Thanks for sharing all those useful tips.

[@christellen.449]

you are a so positive girl, I love it !

[@JaeRenae1]

Love that Pat addresses this topic! This is a MAJOR issue for regular people.

[@Barbara-yj2pi]

I simply loved the tips! The part where you say that we dont have to look to other people's situation and stop spending with eyes closed and hoping the credit card doesnt get rejected. Thank you very much, i needed to hear that!

[@BreenyLee]

Wise Wise Wise Wise!

[@hpr2008]

Girl! You are so right about not looking at what other people have because you don't know their circumstances.

[@bangximdead]

These tips are so simple and yet we avoid them sometimes. Great video! Xx

[@beautyaddict08]

Patricia, well done for doing this video. I'm a 40 something mother who has in the past four years buckled down to saving. I was motivated when I realised that university was likely to be on the cards for my academically gifted daughter. This has motivated me to save so that I can help my daughter financially when she starts uni next year. Your advice is so sound and I know that your more younger subbies will take note.

[@215088095]

Watching in 2018 you're skin still so flawless you do not age thanks for the tips love it!

[@ShugAveri]

"without vision the people perish." ..i like that one Patti!! great advice. xo

[@terraniciaa]

preach!!! i had to come to terms with my spending on eating out, and realizing that has made it easier for me to be realistic about my habits in order to achieve my goals.

[@christalblogs9112]

The struggle is REAL with saving lol. Im guna try even harder now! Thanks Patricia :D

[@ogreavesx]

Some great tips! My fave one is not to watch others!!! So many people get it twisted and try to be about that life. Well said!!

[@Desiraymershani]

Great video! I completely agree, everyone should just stay in their lane and focus on their main goal. You don’t know what people did to get where they are. Or what hard work they went through. Great points Patricia!

[@MegLouTro]

I absolutely love this! Totally what I needed to see today. I've been having an internal struggle this morning with either buy the LORAC pro 2 palette or buying groceries me and my husband may need for future dinners this week. Even though my husband gave me his blessing to buy it, I still think I'm gonna save it. :)

[@PatriciaBright]

Well done, savers always win! x

[@1blackfrend]

Girl is preaching the word! Yes, so practical and honest. I got some good tips from this. Thanks PB!

[@JamiePerkins]

Such a helpful video! :)

[@JennyAmponsah]

What great advice Patricia!! I agreed with everything you said, especially about the dinner part!! Please do more videos like these, as, sadly, I feel like we are living in a world where competition seems to be the norm now- people aren't satisfied with their lives, and always feel like they need everything, which can only lead to people feeling down about life, instead of appreciating what they have!!

[@misszoelizabeth91]

Yessss you hit the nail on the head! You do feel bad about all your expenses but it wakes you up to realise what you don't actually need! Thanks for this video, some great tips and advice :)

[@GaiaArcade]

My saving issues started when I got a smartphone, because then I was doing waaaay too much online shopping. It was just so instant to say Oh, I want that, let me just click and buy it. So my boyfriend got me to start using this app called Mint. It just maps out how much money youre spending on Shopping, Entertainment, Food etc and gives you daily tips for saving. I love it. Once I look at the charts I instantly know, well, I would rather have that money in my savings account and it helps me become better and more conscious.

[@binkyrocka851]

I literally just downloaded this app because I kept seeing everyone talk about in the comment section . I just saw my spending and literally shook my head !! Thanks for the app info xoxo

[@iLoveMusicBaby694]

thanks for that, i'll download the app to have a look too :)

[@48mavemiss2]

My God just downloaded this app and it literally saved me from having an overdraft! This video is beyond helpful.

[@DestiNed34]

Me too it's great!

[@HandleForElleJay]

Gaia Bethea is the app still available and is it costly? IE the ones iv previously had may well have been free, but either after a week it blocks it and requires you to pay a set subscription in order to 'lift' the block and continue to use, others were only certain bits were fre,again requiring sign up (pay Up) to obtain the full use and benefit he most from the app, just curious, of course this vlog is a golden Oldie, so perhaps unable to advise,if u can however,I'd be incredibly grateful for your time and reply, sending Positivity , Love and Light to you darling! ✨Shine shine shine ✨🙃

[@oliviafox3815]

Such good advice, going to uni in September so I will need this!

[@GeefeAlba]

i got a lot of realizations when i got totally broke and i don't ever want that to happen again.thanks so much for sharing!

[@iilove247]

This is all great advice we hear (well I've heard) a lot, and it's wonderful you've shared this with your audience. You're helping so so many people Pat. Also thanks for the reminder of staying in my own lane. Trying not to compare, something i've been struggling with..even non money wise. Bless ya sweetums.

[@kendallpressley]

this video is so helpful!!! i always spend all of my money within the first 3 weeks of being at university each semester, but now i feel confident that i will be able to save some for when i really need it!!! thanks lovely xxxx

[@aurghh]

You should do a finance series! honestly, i think people enjoy and need this kind of advice and its really not talked about enough. two things we should make sure to always talk to our kids about: money and sex. so thanks!!!

[@cindyfern]

That's really good advice.... I like eve part where you mention that people need to stop looking at what others have and stay on track

[@keilahrose2999]

Omg this is so accurate! I love the tip of never try to keep up with the Jones's 😓 because everyone's circumstances are different and you don't know where that money they're using is coming from 👀☺☺ Thanks Patricia! X

[@arissareiriz682]

Oh my lord! Thank you for this video! I am a student and I work part-time, and I live at home which helps alot. Thing is I don't get paid that much, more than half my pay goes towards transport costs for work and uni, and my braces which are not cheap. If I go out I go once a week just to have dinner with my bf but then I have very little else to spend on myself, to make me feel good. Even so this video was fab, I will take all your useful tips into consideration!!! Thanks xx

[@livvymorton]

as a teen with a weekend job i find a great way to save is as soon as i get paid at the end of the month, i put a set amount straight into my savings, (at the moment it's £100) and then whatever's left is mine to spend for the month :) xxx

[@nomnom987]

Thank you so much for making this video. Recently I have been struggling with budgeting, self control, and mindfulness of my spending. Your advice was very helpful and made me realize that this isn't something I should be ashamed of. I need to deal with it instead of pretending the problem isn't there. Thank you so much again xxx Also love the bangs. You look gorgeous per usual.

[@aniraminom]

Thank you Jackie and Patricia

[@BeauTCravez]

i LOVE this video !! we sometimes look at youtubers who always haul or shop and we do not realize that we do not know where the funding is coming from.. So true patricia! great advice

[@Joshuwaah]

Can I just say I have been watching your videos for well over a year now and you are such a motivational person! I love your little life advice videos like this because you're usually always right! You don't just copy everyone else like a lot of you tubers do now and I really enjoy your content because of it! :) x

[@freddie100410]

Great video! I actually think watching hauls on youtube is such a problem, I love to watch them but they make me want to spend so much money!!!!

[@tifab4066]

This is definitely some points that friends of mine really need to hear. I have similar ideas to saving money myself. I think that a goal is extremely important because that will drive your self motivation. People that are good at saving have a plan and have a certain amount of discipline involved too. Loved this video. In America for sure spending is a huge issue.

[@emmarobinson7683]

Love this video! So nice to see someone talking about this on youtube especially as youtube makes me spend so much money! Saving money gives me such a sense of achievement and makes me feel really independent. I'm paying for my first holiday ever which is a big thing for me :) preach it patricia!

[@erikabrown4590]

Love, love, love this "where there is no vision, the people perish". Love that verse in the bible. This video is the truth! Please do more. They are very needed.

[@MsRainbowbaby]

Yes , a practical video with so much wisdom i love you Patricia !

[@interbeautyblog]

You are incredibly beautiful, inside and out.

[@usherofsoulsxx212]

I second that

[@poshlunatics5116]

Third that!

[@missjulieishh]

fifth dat

[@SUBSCRIBERSWITHACTUALVIDEOS]

I just spoiled it ^~^

[@usherofsoulsxx212]

ii--Munkzz you do not deserve hot water

[@jjnel228]

Social media really impacts wanting to keep up with the Joneses. People show off their new things and it make me want to update my wardrobe! It definitely takes a lot of discipline to keep a budget. The tip on having a savings goal was my favorite to help with this issue

[@deanncopeland]

Not really into hair and make up but i love the chatty advice videos, thats what keeps me subscribed. Loved this video Pat x

[@EternalBeauty247]

You are so right about not watching anyone else. I make KZbin videos and I found myself spending so much money on makeup when I didn't even need it.

[@fdoctor79]

This video was right on time...I have to get my finances in order. Need over want is key! Thank you for the great tips!

[@abibola1234]

Thank God for this video. I've been spending like a dog aswell .The money I spend on food, I could use to buy a house!

[@Chocolatencurvestv]

Thanks so much for this, sometimes we just bury our heads in the sand when we know the right thing to do...this is a reminder to me, favourited

[@Lizziesouth]

Thank you sister!!!!..... trying to save up in university can be a struggle because there are soooo many temptations and not knowing how to budget isn't helpful.........good one. You should make more videos on issues like this. They change people lives

[@emmaphilo4049]

True, food is the worst expense and one of the most difficult to resist (!!!!)!

[@mozartstreet]

as a poor student i saved my money for the last few months to finally live my dream and visit london ♡ i'm so happy that i've reached my goal, my plane takes off in exactly 15 hours :))

[@tboahine]

Totally I couldn't agree more my issue is shopping too much I look at myself and I know it's not… necessity but for some reason I can't help myself I really appreciate you making this video and I from now on I will definitely make an effort to change.

[@GoldRushd]

Honestly, some really great advice. Especially the 'stay in your own lane' part!

[@PurpleRiverx]

Please make a video about your hair please! It's so gorgeous and I'm contemplating on whether or not to get weave for the first time. Would love to get their hair you've got!

[@SingDea]

See, I have the opposite problem. I HATE spending money. If it's in my possession, I can't spend it. My mother will give me hundreds of dollars and it gets spend on necessities like food and other stuff. I found a $50 gift card from 2012 with all the money still on it, and I have a $25 Starbucks gift care I got for Christmas 6 years ago lol.

[@Diva380]

Girl, if you're not gonna spend all of that, find people you want to SHARE it with! Lol... I don't do Starbucks but I'll gladly help you spend that $50 gift card depending on where it is. ;)

[@Teeybabyboo]

I wont have any problems having that problem. thats a good problem to have. lol

[@SingDea]

***** The $50 gift card is to target I get them every year, but I only use it on necessities which is rare. I just end up using it to save my mother money on groceries lol, Once I handed over three of them because I didn't know how much was on them, and it brought a $70 something charge down to $13 lol.

[@SingDea]

Teeybabyboo lol unless you have a mother like mine who thinks you'd rather starve than spend money, but now she realizes food is all I spend money on unless its something for her.

[@lexigurlx]

oh thanks pat been working to save for my 1st years car insurance...this is the motivation i needed payday is fast approaching...nice to hear advice for someone other than my mum

[@KekePfan16]

OMG I love your hair!!! The bangs make you look older in a good way and playful too. 😊 you just look so sophisticated yet simple! Love your outfit!!

[@AN-tp4rs]

I'm really glad I recently subscribed to you. I'm usually not affected by these kinds of 'inspirational' videos, but this one really got me. I am just like you with the food splurging and I know I have to control it now that I'm going into my first year of college. Great video Patricia!

[@FrockYeah]

Patricia, I really appreciate it when you do these videos; your advice is wonderful. I think I do pretty well with saving (I have already set up goals and things to make sure I stay on track), but I have trouble shaking the feeling that I don't have enough money to do/buy everything I want... unfortunately. I think I need to focus on the fact that my saving will help me in the long-run.

[@germeeng700]

Mint is a great tool to use to get started with tracking and budgeting your money. You can use it to assess where your money is going and adjust as needed.

[@thadis88]

This is a great video! I think it should also be mentioned that sometimes watching KZbin Hauls and Reviews can make you overspend. It can seem like our favourite bloggers/KZbinrs are buying new stuff every week and so we feel like we just have to buy in order to keep up but we shouldn't. We forget that these videos should be used as a reference/inspiration on what we can add to our closets or use if it's necessary and we're looking for something but not a rule that we must buy them. As you said 'Don't watch what others are doing!' - I think it applies to KZbinrs/Bloggers as well. Their budgets might be a whole lot different from yours. I love new products/fashion but if it doesn't fit in to my budget - don't buy it! Having three accounts for spending, saving and bills is the best (I have a fourth for essential spending like food shop and petrol otherwise I'd spend that too!) you can spend your spending money to your hearts content and know you're not over budget and everything is planned for. Thanks for doing this Patricia, this is an area a lot of people struggle with. x

[@aliyavs]

I would love to learn more about how you were able to purchase a home and your house hunting process! It's a major goal of mine to be a homeowner but the dream seems to be becoming a bit unattainable with the current real estate market.

[@shaylajacquelyn]

Thank you for posting KZbin videos that can really really help people in everyday life.

[@DamarisTemi]

Your a life saver, Patricia! I loved your last money saving video and this one is going to help me so much, thanks

[@lakeithanorfleet2973]

Thank you for sharing your tips on how to save money. My husband and I have been talking about saving our money and we are going to use some tips that you gave.

[@olamidedada8513]

Upset there've been no vlogs but still love you Patricia

[@taryn.b]

Solid advice, honey. I so love how you get down on these 'taboo' topics. It was all the way real. I'm that girl who blindly spends right now and be shaking my head at all the receipts I accumulate in a week. We gonna do betta ova here. lol

[@PatriciaBright]

yes we are Taryn! lol

[@cindyayt]

You do the best chatty vids, can always relate and the advice is so helpful. Thanks Pat!

[@iLoveMusicBaby694]

Thank you for this Patricia! I found it really helpful as a young adult i have a big problem with saving and spending too much. Its important for me to know these tips. I hope to implement some of these!

[@Janayexoxo]

I really enjoyed this video! Everything you said was great advice. At a time, I am so guilty of watching other people and not staying in my lane. When I 1st started watching makeup ytubers I would run out and buy the expensive makeup they were using and products they were hauling knowing they were out of my price range. I had to get real with myself ad realize I couldn't afford every product someone raved about. Now I'm trying to save my money and these tips sure will help. Thanks! :)

[@4kevandre]

Omg, that is so true. We spend a lot of money because we watch people, it's like a competition.

[@beatricesenesie]

Thank you so much for this. I just got my first check! And I was abtta really spend all Lol. But now I know what's important and what's not. Thanks again Pat xoxo

[@Amainezingsoaps]

I love to watch your videos! I admire that you do your own hair and makeup so well. Thanks for sharing your wisdom with money! Be blessed and a blessing!

[@nickab2691]

YES!!!! I absolutely enjoyed this video. Keep those chit chat vids coming. Wish I could give it more than one thumbs up!

[@angrichrds1]

Good advice, Patricia.

[@kimbamamba7230]

Same problem. I spent most of my money on food as well!

[@arumpie100]

I really love this! Please please do more of these videos, Patricia.

[@drinsey143]

One of your best vid. Thanks Patricia!

[@curlies2015]

I loved your older vid on this! Girl Problems: MONEY MONEY MONEY! Helped me a lot to plan!

[@chentingting]

Seems simple but it's a daily struggle ! Keep the vision strong

[@sundriedtomayto]

I love you so much.. I swear you are my favorite person on youtube! Your videos always make me feel good and i must say your parents did such an amazing job raising you and your siblings! You are so kind funny and loving, godly and so positive! Always keep being radiant and beautiful and i hope you keep going with your videos because you definitely inspire regular girls like me! Love you patricia!

[@LRissa19]

Great Advice. Bad Finances has no face, you never know what other people's situation is and you shouldn't keep it all in one account.

[@olexia07]

I've always been pretty smart when it comes to money, I spend mostly on what I need first and rarely what I want. I opened a savings account and currently have three accounts open and plan to have obviously the savings for savings, one for bills and the other for spending on my wants. I want to save for a car so having that motivation definitely helps, makes me want to scrounge the couches and sidewalks for pennies to add. Oh and I do have a penny jar it's huge, need to take that in to the bank lol makes me feel like I'm five

[@ingwaybee]

Such good advice! I spend most of my money on unnecessary food, like a few snacks here and there but it eventually adds up :/ I thought budgeting would be really constricting but the method you described of leaving some money you can play with sounds really good. Thanks for posting :)

[@colacoco1]

Love your videos :) You're awesome! Hope your having a great and safe time with your travels. God Bless!

[@marya6569]

So helpful. Im a student and I have an actual shopping addiction. Very useful video XX

[@naomibk-d3l]

Patricia you've helped me , I'm currently saving to go New York that's my goal. I can't help to spend money on food not particularly dinners just snacks on junk food! Your so funny and I love your cute face xxxxxx

[@MarieClotilde]

You're so great when it come to give advices !! Thank you !! More chatting video, i love it !!!