Mindsets that Keep Us Broke 😩💸

[@justlisa5611]

We always included our kids in the household budget talks. That way they knew that money didn't just come out of thin air. Also that if you want anything extra, you might have to work overtime or save a while for a special thing. You seem so sweet. Hope you have a great day!!!

[@virginiadavis8155]

I want to thank you. I have been paying off my debts slowly and steadily while watching your channel. For the first time in years I finally have more money than month!!! It is a great to finally have some savings!!!! Thank tou again love your channel!!!

[@primrozie]

Very good advise.

[@americanskeptic138]

It's a shame I can only give this video 1 thumbs up! Great information...

[@monicawhitworth4973]

Wonderful video! I love how you use what you've learned from experience or observed to help others. I can tell that you put a lot of thought into your content. TFS

[@frugalgreengirl]

Thank you for noticing! Sometimes it can take months of gathering info/ brainstorming before its I put out the video. I have one that's getting close that has been in the works for over a year!

[@Betrsafthensory]

I think I've said and done all of these. Very hard to change my mindset. Thanks for making this video, very helpful 😊

[@heavymechanic2]

Debt at 11:00 is what I'm working on because its hard to live well when making payments and not getting ahead. I took some money from savings to pay down my credit cards and its made a huge difference in the monthly fees, soon the debt will be paid off.

[@frugalgreengirl]

heavymechanic2 Excellent! You can do it!

[@moneyinthebank5394]

I love this so much!!! I agree with all of this wholeheartedly and you're right sometimes changing the mindset feels a lot like tough-love but once you come out the other side it's so much better.

[@runningsocal00]

I’ve watched countless videos on KZbin about this topic. This is by far the best one. Good job

[@hes_the_way5391]

Great reminders and motivation for my husband and I to keep doing what we're doing. It can be gruesome sometimes, but know it is best for our whole family and teaching little ones the value of a dollar 💵

[@CheapandGreenCanada]

Excellent points here, as always. Thanks for this food for thought.

[@BrokeAristocrats]

Great video! And you are so right, half the battle is over-coming our internal belief systems. Nicely done!

[@justdreaming3869]

Wonderful video!!!! You are so articulate and detailed, I love it. So easy to understand and relate!!!

[@heatherbauer5265]

Speaking truth, girl!

[@angelapennington4724]

I rewatch this everytime I need to here this! Thanks for this video! I'd love more like this from you!

[@angelapennington4724]

This video resonated with me so much! I searched for frugal video and found you. I have a definite problem buying makeup and want some help stopping. Thank you.

[@lanelon9435]

great advice from every practical persons dream girl . Far to rare an individual ..

[@Fritz0616]

Gosh...you just amaze me you should be so proud of yourself and accomplishments!!!! Hugs my friend.

[@nayashams6845]

Good advice. God bless you.

[@buckeyegirl1998]

Thank you for sharing this video!

[@simplystashlessvlog]

Great advice! I've watched a neighbor blowing through an inheritance and keep thinking... I hope they got a whole lot because they're spending like crazy! Buying only what you need and can afford is such a nicer way to live, much more peaceful. :-) Ditching credit and using cash was the best decision I ever made.

[@crankyoldlady5433]

I don't let my kids know financial stress but I am teaching them to budget. They have a toy budget where they can put their allowance towards a larger toy each week or go get something from the dollar store more frequently. The odd time I take them out for a treat/meal I give them a budget and they check prices and find it fun to be under. I let them pocket he Change and put it in the toy fund if they come under. Seems to be working as at 5 and 7 they understand you need to save to get things you want

[@annjean4369]

Excellent life skill lessons! Thank you for sharing.

[@Bradyviolation71]

“Keeping Up With The Jones’s “ is what I hear a lot! Lol!!! Of course they don’t have much to show for their spending now but oh well that’s what happens. We are all Guilty Of all of the things you mentioned in this video!! I have totally changed the way I live and handle money now I am very frugal now. 😊

[@nayashams6845]

Thanks for advice. Great video.

[@Mmbohn1]

Strong woman!

[@loves2spin2]

Excellent and thorough.

[@williamshaw667]

Frugalgreengirl Sharp Mind! great video.

[@shelleynobleart]

Important helpful work, Tawny. Thanks for all that you do.

[@ranatavakoli143]

excellent advise ,

[@luv2cook.]

Sent this to my kids! Ty learn something new everyday. ;)

[@niftythriftybits3727]

I can tell you put a lot of thought into your videos. Apply your way of thinking and money management decisions and chiseling down accumulated debt would certainly knock that debt down after a while. You deliver your messages well.

[@1960genius]

thank you for this!

[@anisestar891]

😁👍👍👍

[@joan486]

Such wisdom from a young person!! 💕🌷

[@PatriceWolfe]

I have a friend who says that "if you have credit, you have the money"...she should watch your videos!!!

[@chel-lalasveganmania]

Your videos are always of such great quality.

[@lilymcg6230]

U have a lot of good videos. This is one of the best. In my opinion. Ty

[@indigoblue4791]

Wise words! I love your timely reminders. Thanks for taking the time to make these videos. I wish you would consider having a series of videos for kids. Appropriate for teens, the kinds of basic information they need to know. How it all works, you have a great of way explaining things and a lot of knowledge. Just an idea or maybe guidance for us parents who need to attempt it. Is it something you might do?

[@frugalgreengirl]

That is a great suggestion! I have considered making a kids series many times and need to just plan it out and do it.

[@makeapennycry]

Loved it!

[@americanskeptic138]

I'm slowly climbing out of poverty due to pivotal family members having combinations of these attitudes growing up... building family wealth and security one brick at a time...

[@pamelajones4412]

Thanks another excellent video

[@Verolakes]

Great video!

[@rough-hewnhomestead4751]

Good video! I think the 2 that I've most experienced are 'I'll figure it out somehow/later." and spending out of fear. I hope I'm learning past them. Thanks!

[@StockingMyPantry]

I have a question on the work hard, spend hard and entitlement mentality. I'm an author, and sometimes I've said things like, "When I finish this book I'll go for a massage." Interestingly enough, many times I end up not doing it because I don't want to spend the money! On the other hand, sometimes I'd like to reward myself for pushing myself to get something done even when I wanted to quit. Would love your thoughts on this, and whether or not rewarding yourself for accomplishing a big goal is the wrong type of mindset to have. Or perhaps there are better ways to celebrate accomplishing a big goal like that.

[@adubs1212]

You should do a series on retirement!

[@dinetk3125]

April Henry Oh yes, I would love that! I’m in the Netherlands where we have a statepension (basic) and I need to top up that

[@kristinolan5737]

Great advice!

[@offgridsweden]

Great informative video. Greetings from Andreas on Off Grid Sweden

[@maryodwyer9827]

you are so sensible I love your channel

[@thedesertangelhomestead9981]

This is so so true my ex - husband does just that and is now brainwashing my 22 year old son to doing the same thing while teaching him that all the good things that I taught him is not good because he can not get what he wants when he wants it and then he is broke and he comes to me as though they think I get more money than I do when I actually get less money than they both do I just know how to manage my money much better.

[@sallyeblen7032]

Great information

[@workwillfreeyou]

A common denominator that I see all of the time with poverty is drugs + booze.

[@FarmerG]

I think at this point you have done enough financial topics to where you can take the info from your videos and transpose it into reading format. Yes. FGG it's time for you to write a finance book.

[@StockingMyPantry]

This is a great idea! I've written several books, and helped other authors to get their books out there. It takes a lot more than having videos transcribed, but that's a good starting point and definitely something worth considering.

[@bstrong4919]

FARMER G - MY HOMESTEAD i

[@nellspop1]

awesome video

[@belvadalidowich859]

I'm embarrassed to say I've seen myself in most of those mind sets. Here is a mindset you had no idea people have. The old folks living paycheck to paycheck say to themselves, I can't afford to wait two years to buy it I might not be here in two years. I am sick and I am old and if I need it I need it now...and sadly that is true. But it digs the debt deeper.

[@efrenscraft202]

usually people that end up making a lot of money didn't have much money growing up. my dad was always saying he didn't have money growing up

[@Gbari7]

I love your videos, you've been such an inspiration to me. I have a question though. How do you battle the mindset that if I don't enjoy xyz while I'm young, I won't be able to enjoy it the same way when I'm retired and have the money saved up? (If I make it to retirement) An example, I'm a single 31 year old and I enjoy driving sportier vehicles. No vacations, no expensive clothes, this is the only thing I enjoy in life that costs money. I just paid off my car, am debt free apart from my mortgage, and run a lucrative Airbnb listing with my extra rooms. With that extra money I can easily afford to finance my dream car, a 90's model Acura NSX at an incredible interest rate. Wisdom would tell me to use the extra money, pay off the house, and save up for that car. More than likely, by that point I'll be married and the only other time in life I can purchase a vehicle like this will be after I'm retired. I may not even be alive at that point or be too old to enjoy driving anymore. Would this be a good enough reason to go ahead and purchase the vehicle? (Side note: these cars actually appreciate in value)

[@americanskeptic138]

Gbari7 sounds like you've got it all figured out :)

[@indigoblue4791]

I would pay off the mortgage first. You will have many cars bought and sold by the time you retire. Get ahead now and stay ahead. If we say ok to the car, what else will we say ok to later down the line. When you look back at retirement you will see that paying off the house will have given you a security a car never could. It sounds like you might have already made up your mind though?

[@Gbari7]

Interesting thoughts and thank you for your perspective. These opinions are what I'm looking for as I haven't completely made up my mind. Personally, I won't have bought and sold many cars by the time I retire and I'm disciplined enough to make this one dream purchase/investment (This car does appreciate in value). But I can see where you're coming from for people that don't have self control. My point was that if I make it to retirement ( I could die next year for all I know) I may be too old or infirm to enjoy driving like I can now. I would look back and have a wistful happiness that I paid my mortgage off but cannot enjoy the fruits of my labor the way I would like. I may be planning for the worst as far as my future circumstances, but isn't that what all frugal people do one way or the other?

[@CentsibleLivingWithMoneyMom]

This is a great video. I just helped a friend with her budget. She did not make enough to pay her bills. This is why she was always behind on her bills. Sometimes, and extra $500 a month can make a big difference. Thanks much.

[@KMF3]

Even when you have the cash to buy something it doesn't mean you can afford it or should necessarily buy it, because you have to balance all your wants and needs and decide which ones you really can afford.

[@GreyRock100]

👍

[@wynnkidsnannylorivance4111]

kids, here is some reality for u....by the time MY mother and daddy paid off MY school clothes, field trip costs, school shoes and activities? My second grandchild was being born! Think about that! 20+ years of credit card debt for letting me have the "in" clothes.....I was still not that popular in school.

[@kayakins6409]

We have 2 thumbs...shouldn't we be able to use both of them to give this video 2 thumbs up?

[@LGW3-Orchids-Exotics]

Great vid with great advice! I think we all can relate to the first 3-5 topics. :-/

[@thedesertangelhomestead9981]

Independence should not be that our young people should just be able to have the freedom to have a social life and material belongings and that they should eventually be able to support themselves by having a roof over their heads as well as food, clothing , transportation of their own not a borrowing situation from dear old dad or buddies who put you in the situation that you are in.

[@TheLokoViejo]

I wish my girl could meet u one day

[@jessdodge5177]

Unfortunately it seems that if you dont have debt your credit drops...which is stupid if you ask me.

[@FSK1138]

:)!!!

[@mohammedshahid-qq5eq]

muaaaaaaah darling