MONEY SAVING TIPS: How I Saved $10,000 in 10 Months on a $30,000 Salary

[@zoe-elizabethmccray4868]

Paid off all $30,000 of my student loans in 18 months at 23 years old on a $35,000/yr salary because I lived at home! Love your videos Erin😊

[@ErinOnDemand]

That’s amazing!! Xo E

[@thechristiandiariespodcast]

This is super inspiring, wow! There’s hope for me!

[@cidneigregory3278]

Wow!!!

[@SeychelleSunshine]

Congrats! So glad you had that strong foundation to aid your hard work.

[@GarrettMusic1]

Good for you!!!

[@Dre.lc1]

Once I hit my first 1k in savings I got hooked. I'll be hitting my first 10k in savings in 6 weeks 🙌🏾

[@ErinOnDemand]

That is AMAZING!! Keep it up! xo E

[@shinigamizzz5372]

where tf u work. lol

[@morountodunokedara]

loll I definitely feel you on that ! its that first 1k its sooo motivational

[@kalanicolle]

Congratulations! ❤️

[@tonitoomer7168]

@@shinigamizzz5372 that's easy. I was able to save $10,000 up in 3 months and I have 2 young kids. It is about how much you make. lol I wouldnt have been able to do that 20 years ago making $15 an hour....

[@lindalately]

People lowkey side eye me because I’m still living w my mom. But I’m paying off my student loans & saving up for a down payment on a home, & working on investing my other funds.... so I’m living an unpopular frugal life but I’m on my way to financial freedom. Thank you for this video.

[@ErinOnDemand]

lindalately Girl YES! It’s so important to release the stigma that you’re “behind” if you move back home. You’re getting ahead have that cushion is such a blessing! Thanks for watching and I hope you stick around :). Xo E

[@lindalately]

Erin On Demand just subscribed, so yes, I’m here to stay! 😬

[@aim-for-greatn3z947]

Dont feel bad also why are you even worried about how other people see you? I'm in your same situation! I actually left my 6 year relationship because my partner wanted me to spend the money I made accomplishing my goals for a home and wedding! FUCK THAT! I left her moved back with my parents paid off my student debt and the remainder I thought myself how to trade stocks. My job pays 30k after taxes but what propelled me was the fact I also learn how to wholesale real estate since I have experience in sales did 4 deals to pay for my worthless school. What's impossible to find is women who actually care about financial freedom all the females I encounter in new Jersey and NYC are straight consumers and just a bill so this is definitely good to find this. Cant wait by July I'll have about 20k saved for a downpayment for my investment property hopefully I find something since everything is so expensive around NYC and jersey

[@jessicamartin2242]

I applaud you! You are very smart.

[@lisamuchi8764]

@lindalately; the people side eyeing you now will be the very same ones begging money from You when they realized you made the smartest decision to live @home.. Being debt free is the best feeling ever because you don't owe anybody anything. Lots of college students out there are struggling to pay off student loans & instead racking up more debt from Poor Lifestyle Habits!!! Goodluck to You with Paying Off Debt & You Do You!!!!

[@ulster3008]

Nice video, though Saving doesn't bring financial freedom, the right i nvestment does. Its best to always look for means to multiply money. There are lots of opportunity right now.

[@tomasz4220]

Stock trading set me up for financial freedom

[@evelync1504]

I totally agree with you Ulster, it's wise to have multiple streams of income. It's one reason I opted for a FA Stuart Wilkins who's constantly identifying lucrative positions to multiply my annual earnings with profits from stocks, forex and others. With the consistency in my payouts, I'm confident in the future of my investment portfolio.

[@malinovzanev1616]

The risk to multiple investment is unimaginable

[@seoul6594]

@@evelync1504 with such diversity how have you been able to manage the risks, I've also considered investing in stocks but I'm not sure of the risks.

[@darek5701]

@@evelync1504 with such diversity how have you been able to manage the risks,I've also considered investing in stocks but I'm not sure of the risks

[@mommaashtalks]

For people like me, moving back in is not an option if you want to keep your mental health up. It's nice that people have strong foundations to return to, it's a whole other story when you have to create your own from Scratch .

[@xxTurtlezRockxx]

Lalitah the Natural she said live at home and had no bills and I was like “oh so this wasn’t for me lol”

[@jazzyandjojo8253]

Yea I couldn't move back with my mom.. me and her can't live together.. but get along great outside of that

[@mommaashtalks]

@@jazzyandjojo8253 same

[@erinsymone1645]

There are sooooooo many people on youtube talking about paying off debt while living away from home. Please find those channels, I think they could inspire you!!! I see where you are coming from 100% but this comment does strike me as unnecessarily resentful. Like OF COURSE everyone's circumstances are going to be different. It could just as easily be the case that you are living away from home but make 2x as much as someone that still lives at home. You can't compare like that and stay healthy/sane.

[@shirleyfrancois5298]

I agree. Moving back home for me is not an option. Especially when my wife is not accepted in my parents home. I will continue to struggle and do what i need to do to save my money.

[@CrystalArkia]

Once you start saving it becomes addictive. It’s a really good feeling. It makes you feel secure. Seeing what you work so hard for makes going to work a bit more enjoyable. Lol

[@jenniferalva9678]

I need that, thank you

[@CrystalArkia]

Jennifer Alva 🙂

[@cherylT321]

That’s so true!

[@MrRed-tf7bv]

I dont believe you, l saw you spend $100s on weaves/wigs & skin bleaching cream.

[@American_Boy]

My weak spot is food without a doubt. We're getting better but there's still much work to do. Thank you for this!

[@ErinOnDemand]

Food is always a struggle! Whew, glad I'm not the only one! xo E

[@TheModernAlchemix]

Faaaaaaaaacts!!!! 😂🤣😂🤣🤣

[@calisahardy4845]

"Every dollar counts, every dollar is valuable..." That is a golden mindset right there. My weakness is food (after I done bought groceries) and "cheap treats" of things from the Dollar tree.

[@CoCMember]

I use Dollar Tree to buy essentials: soap, deodorant, toothbrushes and medicine. I've found their Excedrin migraine works wonders. I worked there part time to pay some debt off. The first two months or so, my paycheck definitely went right back to DT. I had to reevaluate and fast. Other than that, I try my best to stay out of stores. They'll get you!😂

[@calisahardy4845]

@@CoCMember Lol- ohh my, I can't even imagine working there! Well... Maybe- do you get an employee discount?? 🤣😂

[@CoCMember]

Calisa Hardy Surprisingly, it wasn't that bad. And no discounts lmbo

[@kaitlynsimpson549]

Yes food is my problem Go grocery shopping but don’t wanna cook so getting McDonald’s 😂

[@mycahray869]

Same! I spend $200-$250 a month on groceries and then still end up spending around $600-$700 on eating out. HOW DOES THAT HAPPEN

[@ResilientBeauty22]

I look at savings as a game “I hate to loose.”

[@ErinOnDemand]

YES!!! Love that! Always winning xo E

[@lakeishajackson3634]

That’s a good way to look at it 💪🏾💰

[@backatya100]

lose*

[@yvetteshokere2411]

Go to a auction and buy a nice car for $500-$1000. Pay cash. There are lots of nice cars at auctions. Do your homework first

[@quetta561]

Yvette Shokere got my car last yr 4 2700 brought it from my cousin that sell cars that he purchase 4rm an auction

[@fullwisewords]

Don’t you need a license to buy at car auctions? It’s probably different state by state lol

[@CraftyOne54]

There are a bunch of lemons at a auction.Those cars are basically for someone who buys cars,,fix them up,then sale them.

[@xxxnvssaxxx]

Be careful at auctions those are cars that wouldn’t sell on the lot which most likely means they have a problem

[@Teetee554]

@@fullwisewords If you're buying a single car for your self, you can purchase. But if you're looking to purchase lots of cars yes you need a license. It also depends on the state you live in.

[@danidtv5823]

Great saving tips. I recently did a savings challenge and was able to save $1300 a month by cutting down my monthly bills and "frivolous" spending. Keep up the good work!!!

[@ErinOnDemand]

Wow that's amazing! Thanks so much for sharing! xo E

[@CoachSherri]

Great advice I’m sharing this with my 3 kids who are 20, 18, and 17. Knowing these tips early is key💫

[@ErinOnDemand]

Love that Coach Sherri! Thanks for watching and sharing with them! xo E

[@tarawalker7193]

Yes... learn EARLY!

[@missmaam3765]

You are a great mom, not saying my mom isn’t as well but she only talked to me and my siblings about sex and the whole waiting til marriage spill and here I am with a one year old and thousands of dollars in debt at 23 🤦🏾‍♀️

[@scorpi4814]

I live in France and save 400/500€ per month. My goal is to be financially free by 50 years old ( I'm 28) 🤞 it took me one year to master my budget and stop my bad spending habits now I'm good and ready 😉

[@ErinOnDemand]

Vénissa Thanks so amazing! You can do it girl. Consistency is always rewarded! Xo E

[@missublime]

Je vivais en France avant et pour économiser j'avais ouvert un PEL . J'ai pu économiser beaucoup comme ça

[@aim-for-greatn3z947]

Congratulations you can certainly become financially free!!! Sooner actually, I'm 31 living with my parents no kids saving/investing 70% of my income. I'm buying my first investment starting July if all goes well, since your 28 you can actually retire by your 35-40's I'm 31 trying to finish by 38

[@ErinOnDemand]

@@aim-for-greatn3z947 That's amazing! Investing is SO important. Keep it up! xo E

[@lakeishajackson3634]

Oh wow!!! That’s great!!!!

[@MsPinkAddicted94]

Both my parents are dead there’s no one I can live with for free so I guess this is outta the question BUT I am saving up to buy a duplex so I can rent one out in hopes to off set my mortgage and live in the other one for free wish me luck 🤞🏾

[@missdesireindependance5194]

If you move to a southern state like Texas you can get a mobile home cheap and pay it off in two years and pocket your rent money.

[@LolaSemone]

Wishing you luck

[@lizgonzalez9589]

Living with a boyfriend helps because they pay half of the rent sometimes the whole rent

[@chermainegreen7645]

This is why I love you.. we are the same when it comes to pros and cons. I took the lowest paying job as well (35,000 a year) and stayed at home with my parents. I helped out on bills and budgeted the hell out of everything.. i was stingy but still had what I needed. I decreased my expenses tremendously to the point where I had 700.00 in my savings account without a month and I didn’t even know. 👀 I became obsessed with seeing the amount grow in my savings.

[@ErinOnDemand]

Love it! We're on the same page Chermaine! xo E

[@akeylamonea4639]

This is literally my obsession. Seeing my savings grow makes me so content.

[@gigi8528]

I live in Louisiana and $30,000 a year with no debt and no kids is doable. You could even live on your own if you budget! But I have to stress that the no kids and no debt thing is vital lol.

[@ErinOnDemand]

Yes it's all about what you do with the money you have! Thanks for watching xo E

[@zerokool-2058]

Gee Cee Louisiana is not even expensive to live in. Going based on what my friend had told me. Since he lived there.

[@StayHandyLA]

Im in louisiana also, married with one kid, we make around 36k combined and still have about 1000 left over every month. We also have 2 cars paid off and we are cheap lol

[@gigi8528]

Spencer Morgan It’s all about how you budget and prioritize your income! Great job!

[@FabulouslyJih]

Jiji is my nickname lol don't get rid of her. we good people 😁

[@BeBeautifulBeYou101]

About to reach 100K saving in 2020. Having a mind sit of not spending what I don't need. Example Shopping on line is a no go zone. Make food at home. I don't have a mail box. Bought my car out front. Paying of my student loans. Don't have an iPhone. Don't have a credit card. Leave on my own. Remember always pay yourself first.

[@missmaam3765]

Huh?

[@redscorpion9325]

I only got a credit card to build my credit but I don’t really need their money

[@PlainAndChelsea]

I’m going to be consumer debt free in 9 days and I couldn’t be happier!! I just have my student loans and car left. I’m going to cut back on the spending, I’ll be wearing the clothes I have now for the next 3-6 years until I can pay everything off. I’m so determined!!! I also use the hour pay vs thinking about paying that time for it! It’s helped me a lot

[@arinalex__]

Congratulations girl! I am working on paying off mine now

[@ErinOnDemand]

That's amazing Chelsea! Keep it up girl! You just motivated me even more girl! xo E

[@sarahichi3998]

👏👏👏 not giving your paycheck to a credit card every pay day is the BEST feeling

[@TimeWithTea]

Love this comment 💕

[@Gabster94]

A couple of things I do regarding grocery shopping is 1. I primarily shop at Aldi lol and 2. I plan what I’m going to cook for the week prior to going to the grocery store. Then I know exactly what I’m going to purchase while I’m there and not buy a bunch of unnecessary food that will either go bad or I not end up not even wanting. Its helped me with saving on how much I spend on food.

[@ebonylynette]

Gabrielle Wafer Same here!!! There are tremendous savings at Aldi! I menu plan to include snacks. It ensures there are no unnecessary purchases. It DEFINITELY helps with overall waste and spending.

[@ErinOnDemand]

Yes!! Preparations before spending in any circumstances is always going to help cut costs! Thanks for the input ladies! Xo E

[@yvetteshokere2411]

Aldi and save A lot

[@mzenji]

This video pretends to be about saving money... but it is really about sacrifice and making the decision that is unpopular with your own self. It is about delayed gratification and not worrying about the road not taken. Kudos Erin.

[@kemzi2454]

So much underrated wisdom in choosing a temporary inconvenience for a long-term permanent convenience. Nice one Erin!❤💛

[@se7enzee444]

If my take-home is $30k, I'll save $20k. 1) I don't buy anything I don't need. 2) I bring lunch to work and cook dinners at home 6 nights a week. 3) no coffee or frappucino at Starbucks and no beers at bars. 4) no cable. Watch youtube for free.

[@ErinOnDemand]

S basically no life lol. I still like to live a balanced lifestyle while I save aggressively. I also had student loans and other expenses to pay for. Glad to know you're such an aggressive saver! Hopefully you're saving a lot now. -E

[@se7enzee444]

@@ErinOnDemand No, I live a happy life because I have fewer things (things I like) and "good" friends. I don't need a 1000 FB friends. I save, I invest, and I'll retire early.

[@ErinOnDemand]

@@se7enzee444 That's amazing! If you are happy, that is all that matters :)

[@kevinkidneyy]

Boring life

[@csick11]

Cooking 6 nights a week isnt ad cheap as you think! I still spend over 400 in groceries in a month!

[@dyme29]

My weakness is eating out and Dollar Tree runs. Thanks!

[@donnarakitzis2719]

S. W. Ugh same here!

[@ketinarenea8499]

Couponing at dollar tree

[@dailydose7389]

Hahaha the dollar tree gets me everytime

[@brokewithexpensivetaste1222]

I saved by doing the $5 challenge. Where you saved $5 everyday and whenever come across a $5 bill. I saved $100 within 3 weeks.

[@ErinOnDemand]

Love that! A little goes a long way. Thanks for sharing! xo E

[@ReAllSmiles]

Broke With Expensive Taste same here! Check out my $5 Challenge here kzbin.info/www/bejne/p6vXfZmkdpWgnc0 . I’m looking for more motivation to hit high dollar amounts!

[@brokewithexpensivetaste1222]

Erin On Demand thanks if I keep it up I’ll save over a thousand in a year. However I’m going to step up my challenge with setting aside $150 from my check in $5 bills every 2 weeks I get paid plus saving any $5 bills I come across. That way I’ll have more saved within a year.

[@brokewithexpensivetaste1222]

Re AllSmiles just checked out your video

[@ReAllSmiles]

Broke With Expensive Taste wow! That’s awesome!!!!

[@squadbnk7896]

I started saving 2 weeks ago . I saved $75 every weeks

[@deandremclean4459]

So everytime you get paid you take out 75

[@squadbnk7896]

@@deandremclean4459 yes Sir.

[@ErinOnDemand]

That's so good! Thanks for sharing! xo E

[@tanadagarmon4331]

@@squadbnk7896 that's awesome man!

[@squadbnk7896]

@@tanadagarmon4331 thanks 👍

[@PorshaCierra]

My weakness is definitely shopping. To help me with my online shopping problem, I unsubscribed from a lot of email lists and things that constantly pop up to entice consumers. Ive also been considering starting a shopping allowance fund to separate shopping money....no money in the fund- no shopping 🤷🏾‍♀️

[@ErinOnDemand]

So smart! Those emails can be a budget killer! Cash allowances are also super helpful! Thanks for commenting Porsha xo E

[@Jussslex]

My weak spot are my children, I feel like they need everything 🤦🏾‍♀️🤦🏾‍♀️🤦🏾‍♀️

[@ErinOnDemand]

Awww, that’s real! Lol xo E

[@teenottbabi2630]

Same here. I’m always buying my kids stuff and nothing for myself.😩😩😩

[@mackpeoples5504]

This is my wife’s same problem, kids gotta know what’s life about your never going to have everything you want out of it struggle is good because you appreciate the little things in life. Fashion is one of the things that kills our kids way of thinking

[@quetta561]

JussLex shelter nuture food protection. They only need the necessities

[@ebonyausharae2319]

JussLex girl me too!! 😩🤦🏾‍♀️

[@CHARCHICHI]

I'll be 33 in November and am WAITING for my siblings to move out of my parents house, so that I can move back in! Still driving my 2008 Honda Accord at 240+ miles...Everydollar Budget everything...decreased my expenses...do hair on the side! My Uncle Ramsey 😉 taught me how to be weird!

[@LS111AT]

Charlotte Emetom I love this! I was feeling a little insecure because I moved back for a minute at 25 (also live in Silicon Valley) while I save and finish my degree. 2020 goal is MINIMUM $10,000 while I build a solid backbone for my future. I’m done moving away for a year and failing or messing around and having to move back. I’m winning this time!

[@serendipity3062]

i am 29 and this year i realize that my mother is the best roommate.

[@shantedewise7345]

Yes girl me too..stay weird gurl!!

[@RivaTheDiva]

my weak spot is food.. im sure if i stopped eating i could lose 30 pounds lol

[@janelbest1522]

Amazon is my weakness...ugh🙄

[@ErinOnDemand]

Girl, ain’t that the truth!! Xo E

[@Makeuphuney]

Delete the app and unsubscribe:$

[@ChineseHandwriting]

find deals online such slickdeals / dealnews..

[@tcjohnson5764]

Try Mercari...omg you will be hooked your first day. I been selling and buying on there 4 years now and it's so addictive just like the first day I downloaded the app...ITS STILL ADDICTIVE TO THIS DAY

[@iamkyleclimer]

😂

[@pcarr51]

What I love about you is you are so smart and being so real and you are also beautiful! God Bless you for helping other people. ALL of the principles your talking about has helped me to become financially free. Haven't had to work for 8 years but i do earn money all the time thru rents and selling ALL kinds of things. Its sooo much FUN!!!! I get to travel any time I choose ect.... It works!!!

[@ErinOnDemand]

Thank you so much Patricia! That's so amazing! xo E

[@kirinnguyen2074]

Great video! I think a big issue with some people is when they inflate their lifestyle whenever they get a pay increase. As their income increases, they increase their expenses with it because they can "afford it" now.

[@ErinOnDemand]

Kirin Nguyen oh that’s definitely a huge thing! First thing most people do when graduating college and getting a real job is getting an apartment and/or a new car. You have to give yourself an opportunity to build something! Thanks for commenting :). Hope you stick around Kirin! Xo E

[@LifeAsMaribel]

Thanks for sharing your story girl!! As I get older, I realize material things don’t make me happy! As long as my kids are happy, WELL dressed, and fed that makes me happy! ❤️ this year I plan on saving at least and extra $2,000 which seems a little too some but I’m a stay at home mom and work part time . So a little will go a long way!

[@chocolategodness6871]

Let all yo checks get deposited on yo payroll card n don't touch it and If u got a savings account then deposit all them checks on your account ... And if get otha income budget spend n still save that's what I do shit.. budget, n save n don't buy nth If don't need it 💯💯 that's what I do I'm about saving too I'm $3K.

[@joycegonzales4994]

We’ve never made much more than $30,000, but our home and cars are all paid for

[@ErinOnDemand]

Yes, it's not about how much you have, but what you do with it! Thanks for sharing. xo E

[@beautifulbrandy6203]

Joyce Gonzales Between 2 people that 60,000

[@joycegonzales4994]

That’s for both of us

[@dianamolina3122]

@@joycegonzales4994 How did you do it?!?

[@joycegonzales4994]

Beautiful Brandy l

[@realvesselgem6527]

I just moved back with my mom, definitely buying a house in 2020. I am now discipline with my spending right now

[@lifewithtrenel]

Great tips! I’m the same as you. Moved back in with my parents to cut costs and I’ve saved tremendous amounts of money! It’s not ideal but right now saving is much more important for me.

[@ErinOnDemand]

EXACTLY! All about priorities xo E

[@rogers5622]

Officially Miss Boss I figured no rent was being paid to save this much on that salary. Good to have parental support🤗

[@blessedandrich]

Thinking of money in terms of time is an excellent tip

[@calisahardy4845]

Right?! True statement to that time is money. I hate thinking that I wasted 45 mins of work to buy (x) or to know that it will take (x) hrs to purchase whatever it you're looking at.

[@TwentyThree-23]

My problem is that I have no problem working 8 hours in a day for a lipstick from Sephora. Lmao. I don't value my time enough to really think of it that way. Great tips, regardless!

[@shaunesty89]

Moon Chromosome Saaaame! At this point to really hone in on this saving discipline, YT & IG have to go bcuz these makeup tutorials are killing my pockets 😂😂😂

[@stephanielange]

This video was SO GOOD!!!! So many good tips! x

[@donniep.1513]

Lmao at “but wait, don’t leave” Because I was surely about to head out lol

[@missmaam3765]

I always go thru the comments first before watching and I am assuming she said that after she said to move back in with your parents lol 😂

[@barbarajordan2698]

Thank you so much Erin for that info. I'm a senior and wish I had come across this kind of info years ago. I hope lots of young people sees this and take heed and by the time they become seniors they won't have to work so hard.

[@igot5onit423]

I make 1500 a month after tax and i save 500 all going into a s&p 500 index You'll be surprised how little you can live on and still be comfortable

[@markd6838]

im very similar but put 1000 a month in vanguard index but i have no rent or mortgage, can be done, stop watching adverts and being seduced by the tat their selling, freedoms the best thing to buy

[@italiancapo7]

You must live in a cheap state.not California or New York.

[@markd6838]

@@italiancapo7 Wales - uk

[@igot5onit423]

Illinois

[@ashxis11]

"It's not about how much you make, it's about how much you get to keep."

[@leklekjasmine416]

I pay rent. I can't relate lol

[@TYP1970]

Mortgage single parent all bills on you I think it's impossible for some.

[@angelellis7690]

I pay rent . U can still save

[@truth2972]

I pay a mortgage and still save quite a bit. Sounds like you're with the wrong man.

[@BadWeatherfreak]

Me too I have a 900 dollars mortgage payment

[@staceyannc]

I also pay rent. I have saving in a 401K and two additional saving account. I also have one credit card which i am slowly bringing down. Even if u put away 100 a month its still something. Every little counts.

[@BriLoveMusic]

Very smart girl. You have so much wisdom that others need. Also, you're so pretty. Thanks for sharing. 👌🙄

[@Daphattack]

As a mom, it’s super smart that you pay off loans and cars and save while living at home. I actively encourage my kids to think about that. Don’t forget to help out your parents too though lol!

[@ErinOnDemand]

I agree. I also think it's super important to not just pay off debt but to build wealth :). Of course, helping out parents is a must. xo E

[@keepinguphuh7973]

10k in 10 months is more Realistic. Some of these KZbinrs be like “How I made 10,000 in 3 months” 😂😂🤦🏿

[@theejimmyv]

Dope video. I’ve been really focusing on saving for a down payment on a house. Which is tough because I was a HUGE Jordan fan and new clothes guy. But, have to cut back to move forward. Deff going to take some pointers from your video and apply them!

[@ErinOnDemand]

Keep pushing for that down payment, Jimmy! xo E

[@angelellis7690]

Jimmy V that was my problem cloths shoes and going out my man but it help so much . I saved 600 in a month I didn’t go out . That ones ,5. 20 50 10 100 what ever !! I call it a sacrifice . Everybody had one and that was mine . And I stoped going out to eat !! Like once every week and a half I go out to eat

[@angelellis7690]

I feel like I need to update my shoe game lol been a lil min . All mine are still in boxes . It’s tough !!! Wearing same cloths n shoes but look at the big picture it’s definitely worth it !!!

[@lorealdrayton6164]

100% agree! STOP BUYING JUNK ! STOP BUYING JUNK! Especially things that you aren't going to keep for a long time!!!

[@ErinOnDemand]

Exactly Loreal! xo E

[@cgreen777]

Make and recycle and only by when u have to.

[@TheSavedChic]

Thanks for the tips, Erin!! Digit be taking all my little coins, until I check the app and see I have $60- 100 saved off a few coins. I have BOA too and when I looked at the budget tool, I was shocked to see how much I'm spending on food & entertainment! I def need to cut off my "treat yo self, you get paid next week" spirit. Lol!

[@KobokoFitness]

lmao! i feel you

[@ErinOnDemand]

Haha yeah girl “treat yo self” becomes a scam when it’s too often 😂 xo E

[@patrickgoodman4576]

Man you ain't Lying!

[@RoxyRose]

Erin: I did not have no bills Me: Aiight I'm a head out Erin: No Don't leave 😂

[@NaturaLaii]

I think my weakness is shopping 😩 online shopping, especially with skin care products 😂. Great video. Thanks for the tips

[@boujiebarbie3198]

Without doubt my weak spot for my whole family is eating out. Feeding a family is expensive enough when cooking at home every day but trying to eat out, no matter where you live, is a budget buster. My family had to get use to my hit or miss cooking😊 thank you for the video💖💖💖

[@Cityheart221]

My weakness is buying stuff for other people. If I see they need food, children's clothes and as for me eating out. Recently started been working on this. Good video. Thank you for sharing.

[@ErinOnDemand]

DaxLogan1 That’s so kind! So happy there are still good people in the world. Just try to have a little more discipline on the frequency. Thanks for watching. Xo E

[@sm7640]

there are food shelters and goodwill/salvation army/thrift shops for gently worn clothing. You need to help yourself before you help others. There are resources out there and also a lot of people get comfortable when they see others giving them hand outs. Don't be an enabler. I prefer giving monthly out of my budget (based on my income not what others need)to charities that fund the resources I mentioned.

[@nonyabigness]

Why did I feel so guilty after watching this 😩...I’m already a good saver I have $5k saved so far but this made me realize I can have even more money set aside. Btw you have a beautiful radiant energy, keep that shine

[@iamkyleclimer]

Shows you care & you can do it!

[@quentinwilliams8809]

You doing good keep going

[@RoyalNykki]

When I opened my boutique, I saved so much money just to open it. The guy that took the tint off my storefront windows, said he spends around 1,000 dollars a week on just eating out. He has a huge family(wife and kids) and they eat out for all 3 meals a day. That blew my mind bc I was working my butt off for 1000 a week. My parents owned a restaurant for 25 years so I've seen people spend so much on food, like the regulars. Food will KILL your bank account. Shop at a grocery store and look up recipes to get interested in cooking, you will save sooo much.

[@sandradunn5091]

I was able to save $20k in three months, i"ve learnt that the best way to save money is by investing

[@charlotteroy1851]

am equally interested

[@sandradunn5091]

@Desmond Bradley i decided to try out forex trading a couple of months ago but find it difficult to make profits until i came across a good account manager who has been helping make winning trades with my investments

[@sandradunn5091]

@Austin jeremy I would suggest you seek help from an expert that's what worked for me, i started with an investment of $1500 then went up from there.

[@sandradunn5091]

@Austin jeremy yes Mr Stephan Briggs is an expert who helped me during my trying times, i still trade with him due to the profitability of his trading strategy. you can reach him via mail with {stephanbriggs54@gmail .com}

[@254ChuckDawg]

@@sandradunn5091 text my number and do business 682-202-8129

[@chiri7604]

Thank you girl! Thats How I feel: I rather have money and not look that rich, then look rich and be broke 🗣🗣

[@BriaAttiyah]

Yesss I love your energy and content. I just started saving 2wks ago so every pay check I get now I put $300 in my savings to get myself in the habit of only spending a few dollars on things like gas and food. My weak spot is food for sure. I will shop online but won’t buy it until it fits into my budget.

[@savingwithruth979]

I have made a commitment to start saving money. One of the ways I am doing this is buy couponing! I also started making vidoes on couponing and the way I have been saving money is a huge game changer!

[@gnice25able]

Thank you Queen!!! Love talks about finances. My goal is stacking $10K as well and to keep going from there and invest in assets

[@ErinOnDemand]

You can do it! xoE

[@kimmykim1277]

Great decision to stay at home. You made a short term sacrifice for a long term gain. I wish more young people would see that. They rush to get Bill's and once you get them that's it. You'll be a millionaire because of the decision and have the life you want. Congrats

[@alibassett2819]

I use Walmart grocery pickup because it’s free! And that way I can stay in my grocery budget and when something I need runs out in my party I just put it right on the app! This way I’m not grabbing random things at the store

[@thebigbrain99]

That's so smart! I never thought of that. I'll have to do that more often. 😁👍✨

[@Faithful10415]

I admire you young people who have your head on straight. I am a baby boomer and I am working toward debt freedom. And it is going to happen for me because it's never too late to start doing the right thing. If I could go back and made different choices I would have saved anything consistently, I would have invested in a 401 K and I would not have gone into credit card debt. Learn from me and don't fall into the same traps. If you start saving now you will have a pretty decent nest egg. I also would have made being frugal a fun game. I am making it a fun game now because being debt free is the Thing Motivating me. Can't wait to share that day!!

[@KamauAustin]

I buy coffee and eat out. I realized that I was spending $300 a month on coffee and comfort foods eating out. I knew that was about $3,600 a year I could be saving and even more money if I invested it. So I started having coffee at home and avoid restaurants except on special occasions.

[@NickiraCeleste]

This blessed me! You made the BEST decision out of college. I was one of those who graduated, got my own apartment and car and great paying job. Then I moved to NYC and got laid off. Now I’m about to move home with my parents to start all over again. So far I’ve decreased my expenses significantly so now it’s all about rebuilding the smart way! Thank you for talking about this!

[@linnag3117]

Stop buying soda make juice local juice like Lime orLemon juice grapefruit juice Mango 🥭 juice Pineapple 🍍 juice buy a good juice bottle and freeze it You’re welcome 😘

[@kamara9142]

This sounds like a Caribbean person.

[@ritadaniels3175]

I buy pop(soda) with groceries & add it into THAT budget. I NEVER buy one at a convenience store. I pay .50 per 16.9oz bottle & even make sure to have a few extra in my car! They are $3.00 just buying them single like the Starbucks some pay so much for!?!

[@MissJ000]

You are very well spoken and articulate. I wish i was like that. Thank you for the tips!!

[@shantricejones5830]

I finally saved that much as well. Except I wasn't able to move back home but I stay in the city I went to college. I use a credit card as a convenience. My weakness is food.

[@ErinOnDemand]

shantrice jones That’s amazing!! Yes, I think food is the world’s weakness lol. It’s so hard to resist! Xo E

[@briannayoung4652]

My weakness for spending is just going shopping looking for SOMETHING and ANYTHING to spend money on. Just an impulse whether I use the thing or not I just spend the money lolz. This gave me a whole new perspective though. Thank you!!

[@deborahmeek6529]

Good for you girl having all these smarts and being young and good looking, I am 37 and just figuring out all this. My weak spots are my kids and my husbands weak spots are eating out.😟😟

[@ErinOnDemand]

Thanks so much! Yes, I am not married with a family, but I can see how that can soak up money! xo E

[@glowingmyway]

Speaking of valuing every dollar, Dave Ramsey’s EveryDollar app is really helpful!

[@ebonibeauty]

Awesome content!! I am now a serial saver as well. My goal is to save 10,000 this year as well. I saved the most I e ever done last year all while preparing for my wedding in August. Anyone can save, like you said, you just have to choose discipline over your feelings! Keep the good content coming! ❤️

[@nicksmith3096]

Your blessed to move back because ain’t no way in hell my parents will let me move back with them. Great tips though . Just have to grid .

[@ErinOnDemand]

Haha! I am very blessed and don't take it for granted! Thanks for watching and commenting xo E

[@ninam.6781]

Get roommates.

[@susanvila1968]

why save money to earn interest when you can venture into an investment of any kind and build your wealth over the long term

[@kentgood2202]

true!!

[@toryk.b8181]

what kind of investment can one venture into that wouldn't involve much rick

[@susanvila1968]

@@toryk.b8181 investment in Forex market, stock, real estate or other investment instrument. But many people fail to understand that all investment isn't risk free but with the help of a portfolio manager you can achieve 99% success in what ever you invest in

[@michaeljames5189]

Can i get rich by investing in forex?@@susanvila1968

[@chrisrodriguez2574]

Forex trading may make you rich if you are a hedge fund with deep pockets or an unusually skilled currency trader.

[@SaveMoneyTricks]

Great tips! Saving money is very important to everyone because it is the only way to save us in the future. Educate yourself and make it a habit. Thanks for sharing, Erin!

[@thatchickkrys]

Beauty and brains. 👑❤️ New subbie. 🙌

[@ErinOnDemand]

Thanks babe! xo E

[@ManoosaFar]

girl you literally put things into perspective for me. I blow all my money and I am sick of it!

[@40EntrepreneurDrive]

I watched this last week but came back to take notes. Thumbs up!

[@ErinOnDemand]

Thank you so much!

[@amyk3020]

Erin you are refreshing and thank you for being so down to earth. I agree with you and your thoughts on spending....call me Frugal, I do a lot of no spend months. Other than food and gas, NOTHING....Can't wait to hear and see more of your content. Love what you are doing....just found you! Happy 2022!!!

[@ToniTruth88]

I treat my savings like a bill. Occasionally i chop a bill in couple payments/ take advantage of bill pay programs on purpose to inflate my savings. It works. Why wait till yoi cant pay a bill to ask for help i figured do it when you got the money. Long as it doesnt count towards your credit. Live out the dollar tree and go to online menus at restaurants and cook that food at home if you want it so bad. Forget a movie lets watch it on the firestick lol Oh you like that gucci bag.. I can find one similar on Alibaba you might have to wait 4 weeks for it but its worth it if it means saving hundreds in the end.

[@ErinOnDemand]

Amazing tips! Thanks so much! xo E

[@TheLisaTorres]

Entrepreneurs rarely talk about this topic but budgeting and saving are very important. I'm glad you recommended Digit, it's a great app. Thanks for sharing!

[@missdesireindependance5194]

The best way to save is to eliminate car and rent notes. If you need a car keep it under 3k. This way you can take that money and put it into a savings account.

[@brontel3004]

Hey Erin, this is my first video that I've watched. I totally resonate with you girl! Discipline is everything, it applies to every aspect of our lives and everyone can do so much more if they grind through. I'm applying that not only in my savings but in my health as well. I got to do my exercise everyday, not a big fan of the sweat and muscle aches but its short term pain for long term gain. I'm also living with my parents at the moment and I don't give a crap about what people think; I'm not spending $1000 a month for rent to look independent in front of my friends, I am not freeloading in my parents' house either. I gave them rent money (better giving to family than strangers), cook dinner, clean the house and basically training myself to be a responsible and productive adult in society. Don't live for others, live for yourself.

[@HiiiGHLIFE1]

That's really impressive if you really saved 10k off of 30k salary. I saved 17k off 65k salary last year while paying rent and paying off my debts. It's key to LIVE ON LESS THAN YOU MAKE. like she said, the goal is to BE rich, not LOOK rich.

[@ErinOnDemand]

That's amazing! Thanks so much for sharing that! Yup, I rather be rich than look rich. xo E

[@teenottbabi2630]

My weakness is shopping and when the clothing stores have sales. Gap, old navy, amazon, children’s place, Carter’s, Oshkosh, Nike outlet😩😩😩 I just recently had to remove myself from a lot of those emails because seeing them made me weak and wanting to buy stuff knowing I don’t need it. Thanks for sharing those tips. I’m also doing a no spend for at least 15 days out of the month and see what I save. I been meal prepping my food for lunch and dinner and it makes it a lot easier to keep from buying lunch while at work. I’ve also been budgeting and giving every dollar a job to work on my debt, raising my credit score and manifesting in my dream car and home.

[@Cassidyumyeah]

A good idea for you too would be selling some extra clothes maybe you don’t need on depop, posh mark, and apps/web stores where you can resell your clothing! :)

[@rosar.8624]

I have the same issue. I’m a shop-a-holic (i’m a student btw) ! I just love buying new clothes. I usually do it out of boredom ☹️.. since I just turned 23, it’s time for me to start saving cuz after I turn 40 I dont wanna work ‘fulltime’ anymore.

[@buffycatnip]

do you live in oshkosh, wisconsin?

[@kelseyreid5793]

I have a big problem buying workout clothes!!! I'm a nurse so I wear scrubs daily, but the money I save in uniforms just goes to workout clothes. They get you with these "limited edition" collections. I have to tell myself that having pants in every color just isn't worth losing relief of paying off debt!

[@shikha5246]

2500$ a month. 1500 to live off of. 1000$ saved per month. Even with the expense of rent and food, it is still possible to live off of 1500$..it's possible.

[@gerryo25]

No offense but I can't follow this video it's very realistic for you to save money in that way because you don't pay bills accept your student loans. This is probably geared towards folks in their early 20s fresh out of college. If you told me you had room mates and paying your own bills then I would be impressed but if you have very little expenses and the major bills are paid by your parents in essence it's much easier to save "your" money. I hope you at least give something to your parents towards the house since you are working and living with them.

[@NigelParkinsonJr]

Awesome money saving tips! I just subscribed! I look forward to part 2 of this video.

[@kevneelomax143]

Thank God I found your channel! Listening to this & strolling on your feed QUALITY!!

[@Goddess_Nicole]

Girl my weak spots is food I’m a mother and wife and my schedule hectic so on busy days we’re ordering out!! 😩

[@yvetteshokere2411]

Do crockpot meals

[@calisahardy4845]

Think of some good freezer meals - things that you can prep ahead of time then just pull out and pop it into the oven.

[@boujiebarbie3198]

@@yvetteshokere2411 yes, that and casseroles. There are lots of good recipes out there. Plus, I "try" to do a skillet meal each week like I make something like steamed broccoli, saffron rice and baked chicken for the meat eaters. This is an extremely quick meal and uses no special seasoning.

[@Goddess_Nicole]

Thanks I’m definitely gonna start implementing my crockpot/skillet meals again!!!

[@Jasmillmelisa]

I started using ellevest to save and invest my money i love it! I have a video on that too!!! Also saved 1.5k for down pmt on property for the future i want to buy and 500 in high yields savings account! So yeah. I recently purchased a lot but most of it are investments for my brands and spoiling myself a bit for the holiday season. But i live at home so imma pay it off fast!!!!

[@ashleymcdonough3633]

Sooo good! Keep dropping gems girl, rooting for you!

[@ErinOnDemand]

Ashley McDonough thanks Ashley! 😘😘

[@multipassionproject]

"You have to make the money in order to save the money". That's my first issue right there! But I'm working on it DAILY. Your girl PLANS on getting the shmoney. And I'm taking action! But I KNOW I need to cut costs. FOR SURE. Imma try your highlighter trick. Thank you! 💞

[@FarahMonise]

Honeyfi is also good for couples! The 52-week challenge savings app is also a good one too.

[@ErinOnDemand]

Thanks for this suggestion!

[@gillianespinoza3652]

gg the gas guzzler XD hahaha, love it. Great video, thank you! Newly subscribed just now. ^_^

[@amirae4141]

Definitely food ! I think I'm addicted

[@Louisiana2Texas]

Sharing this with my sister... *eating out is where I spend grands🤦‍♀️*

[@mariebrown8632]

Wish I could live with my parents 😭