My 2025 Debt Confession, Payoff Plan & Binder Setup | Explaining My Categories + My Gut Health!

[@jessicastraw6593]

Hey Lily! on the credit cards - you can totally pay down the full amount. Just leave them open and every month spend just a little bit that you can pay off at the end of the months to keep them active. I've been doing that and it's helped my credit come back up (it was so bad a few years ago I got denied when I tried to open a CC)

[@BrianaBudgets]

That’s a good idea. I used to use my credit card just to pay for gas and then I would pay it off on its due date. I don’t do that anymore but it could work. :)

[@ripnick42106]

Came to say the exact same thing 💙

[@kellys9584]

Great advice! My credit score is 837 and I always pay off my credit cards each month. It’s age of the card and on time payment history that makes a big difference.

[@LilyBudgets]

Thank you!! 💛I'll definitely be making that change to the plan, probably do what I have written out here and then make smaller payments on whatever's leftover at the end. I just don't trust myself not to go ham on them when they're at 0!😅

[@emilygarner4647]

Lily, I've been following you for a while now and you are an inspiration to so many. Thank you for being so transparent it really helps others! Blessings to you! Oh and I love the color blue and green is right up there!!

[@Malsha1961]

Lily, you’ve got this under control!! I can tell that you put a lot of time, energy and thought into this plan and I know it will work out for you!! I know there are a lot of people cheering you on 🎉🎉🎉 My favorite color is blue, by the way!!!😉

[@LilyBudgets]

Thank you so much!!💛 A's favorite color is blue, like a baby blue💛

[@Glammmahgotguts]

Great breakdown on paying off debts. My favorite color is Purple. Lilly, you got this!!🙌🏽🙌🏽🙌🏽💜💜

[@BrianaBudgets]

My fav color is probably sage green if I had to pick one😉 This is totally doable, Lily! You have an awesome plan and you’ll absolutely crush it. Freeing up the money from these payments is going to help you out so much. I know initially you said you wouldn’t share this but I’m so glad you decided to because this is going to help and encourage a lot of people. So excited to watch you do this.👏🏻

[@LilyBudgets]

Thank you beautiful!! Love me some sage green💛the vibes in your home are 😍and YOU are crushing that mortgage payment!! Under $100k in no time!

[@juliangelus]

You got this :) When you pay the cards down, use them for a tank of gas every month and pay it off in full it'll really help your credit score. My favourite colour is grey.

[@LilyBudgets]

The gas thing seems to be advice that everyone does and I had no idea!!😅 definitely going to try that!

[@blingandbudgets]

You got this girl! Here for support and cheering you on!

[@LilyBudgets]

Thank you so much!!💛

[@DebHansen-d4f]

You are doing awesome. None of us should be judging you. At least you are trying. Keep up the great work sweetie. ❤🎉

[@KiaraXoBudgets]

Loved the video! You’ve got this just stay focused and you’ll knock them all down one at a time. 💛💛💛

[@catwatches8690]

I closed 8 store credit cards and it did not lower my credit score at all! Even if it does lower it a little bit - it will come right back up very quickly. I got rid of mine and I also unsubscribed from all of those stores emails and now it doesn't even tempt me at all to shop at those stores. My favorite color is teal. 😊

[@LilyBudgets]

Thank you for being here! I was told not to close them, because that can make your score go down, but to leave them at a $0 balance and open. Maybe that's why? I love teal too!

[@BeezysThings]

What a great video! I swear your dashboards are my favorite!! Your sayings are unmatched! so happy to watch you tackle your debt! You've got this!!

[@LilyBudgets]

Thank you so much!!💛

[@SweetBethanny]

My favorite color is Red! You are doing so well writing this all out and taking control of it!

[@justineavery733]

my favourite colour is green 💚 wishing you good vibes to reach your goals!!

[@shawnajones8149]

Proud of you Lily, sounds like a good plan💛

[@BudgetWithD]

This sounds like a great plan! Have you looked into doing a balance transfer for the best buy card? Usually the cards you already have will sometimes have offers for BT and they often times are 0% APR. My favorite color is green too!

[@samanthasoto5814]

Thanks for sharing your debt payoff plan! What do you plan to do with Income tax? Will you applying any of that to free up monthly money?

[@LilyBudgets]

@@samanthasoto5814 if I end up not having to pay in as much as I’ve saved, I don’t have a plan quite yet for the money but probably some of it will go to debt!!

[@kimmcivor9420]

Great job on this, you got this. I've been there, stay focused ❤

[@LilyBudgets]

Thank you💛💛

[@lou-annematthews753]

my favorite color is black... it's a very complimentary.... Thank you for making this video... it makes me feel seen and not alone. i do my credit cards the same way and our amounts are so out of control we have completely cut them up and forgotten about them to pay them off.

[@MidnightQueen23]

You got this.We've all been there with credit card debt. Im thankful we finally paid off that balance. Last month. Purple 💜💜

[@Budgetingonabudget1]

My favorite color is green. This is the year for all of us to pay off our debt balances! I’m planning to use my tax return if I get one 🤞🤞🤞 to pay off one credit card balance: my overall debt is less than 10k so I can do it !!

[@sarahmadelina]

Blue! And I'm super proud of you sharing this and making this plan that I know you can do. I have a similar plan and not so far off numbers.. we can totally do this. 2025 is the year! I am running random savings challenges each month a that are strictly going to credit cards, but it makes it WAY more fun!

[@BrittanieRaynor]

I appreciate you giving us a "debt confession" it's great to see budgeters are still struggling just like we are. My favorite color is blue

[@Tracyssuccessin2025]

Lily, my favorite color is green Great job planning on tackling debt I too struggled with debt when I was in my 20's. After paying ot off I have managed to have limited debt as the sacrifice of paying off all the debt made me stronger. I know you can do this!

[@LilyBudgets]

Thank you so much! Proud of you for crushing it💛

[@budgetwithmi]

Love the honesty! My favorite color is black. I know people give suggestions for paying off debt, but I love that you’re doing what works for you. I’m the same, struggling weekly just to have debt paid off isn’t ideal so I get it. Take your time, once it is paid, that weight will be lifted.

[@kniehaus22]

Favorite color is green too! And don’t beat yourself up! Go with the pay down plan that works for you! My husband and I are on our debt free journey as well and we do a mix of snowball and avalanche because that’s what works for us. We just paid off a debt that had a $300 monthly payment but only rolled over $150 of that into our snowball payment because we wanted to add the other half into our budget for sinking funds. You have to do what’s best for you!

[@LilyBudgets]

Exactly!! I love that, that's what I want to do because I want to sort of reward myself for all of this bs hahaha, so leaving some of the money out for sinking funds and saving is my way of doing that💛

[@budgetwithamanda]

my favorite color is blue, green or anything in the middle!! i never thought about how the interest should be okay if under the 30%. i see that everyone is recommending putting a small expense on the card to leave it open but in the end it’s whatever is easiest and most doable for your budget! i’ve always been scared to share a debt plan because of the critiques from others about things such as interest or how they think i SHOULD do it. i appreciate you for this! you inspired me to sit down and make a plan for myself since i also haven’t really been debt focused 💛

[@authenticallyallison]

Purple! Like others have said, just pay the cards off. Now that I have zero balances I just put groceries on them and use my budgeted grocery money to pay it off. My scores went out when I paid them off.

[@LilyBudgets]

Okay I'm definitely going to try, tbh though I have BAD self control and don't fully trust myself not to spend a lot on them again! Maybe I can request a decrease in my maximum? Is that a thing? LOL💛

[@authenticallyallison]

@LilyBudgets sorry for my typo. I meant my scores went up when I paid them off but I think you know what I meant. Asking for a credit line decrease I believe negatively affects your credit score because of debt to owe ratios and that sort of thing BUT the lack of self control I totally understand! I've been actively on this debt free journey and am a person who had impulse shopping issues and still struggle at times. I did not incorporate this practice right away...not until I became more disciplined and had more impulse control. So do only what you are comfortable with. You know yourself more than anybody else.

[@AriH68]

So happy for you Lilly! Don’t be ashamed I still use me credit card and I still cash stuff. I just prefer to not always have cash on me. I’ve been following your channel for a while and I’ve seen you go from not really wanting to discuss your debt to making this plan now that works for you. Stay encouraged and stay disciplined. Even if you have a rough month cut your planned amounts in half. So proud of your girlie!!

[@LilyBudgets]

It was hard and I really never thought I'd do this, but holding myself accountable is key! Thank you for being here and supporting💛

[@msamandagrac3]

The 30% rule is a tall lie. What helps is paying off your credit cards in full every month and not keeping a balance. That’s how you also avoid interest, and get the perks. My husband hasn’t paid cc interest in YEARS but still reaps the rewards of 3% cash back. Don’t let cc take advantage of you, take advantage of them.

[@LilyBudgets]

I've seen a few people mentioned the 30% rule in these comments and I'm not entirely sure what that means! The only thing I use 30% for is what I put aside for my taxes for my small businesses. What is the 30% rule??💛

[@asumpter429]

Thank you for sharing your payoff plan. Very helpful and looks like a great plan. I'm trying to get my debt payoff road going. Love your videos and sharing.

[@DonnaWhite-fc5mh]

My favorite colors are blue and yellow. Do the debt payoff the way that is best for you.

[@jessesmith4196]

💛Totally get it, nothing to be embarrassed about. My favorite color is purple lol. I think it’s a solid enough plan.

[@LilyBudgets]

Thank you sm! Mine used to be purple too💛

[@falusitablet8747]

This year I'm concentrating on major savings now all debt is gone, every magic month I used it to power pay my biggest debt total, so proud of myself! Now every magic month I reward myself with putting the whole chq. Into savings, as well as the same amount of money I used to have to pay each month for the debt. I've done a complete 180 and it is sooo exciting to see the account building instead of emptying 😅 Good good luck with your very good plan, you'll get there 💛

[@LilyBudgets]

I'm so proud of you!! I can't wait to be there myself and watch the savings grow💛

[@budgetwithrenay2419]

I think the debt payment plan is fascinating to watch! 🍀

[@desidevild4582]

Pay the credit cards to zero and then like the others have said just put a tank of gas once a month and the pay it off when due. This is what I do and my financial planner told me to do as well and my FICO score is in the 800’s. The more you’re hard earned money is going to debt the less you have to put to what you really want to. Girl you so totally have got this we’re here with you 😊 My favorite color is green too.

[@LilyBudgets]

Ughh thank you!! I'll definitely do that!💛 love me some green!

[@Buttercup2025]

Lily once you’ve paid off those smaller amount find a o% credit card and transfer your Best Buy cc balance. You usually get 12 months 0% interest. Then definitely put the BB card away and throw as much as you can each month to the 0% card. No need to go drastic. But you know yourself so do what you know will work for you. Btw my favorite is green too.

[@LilyBudgets]

Do you know of any 0% credit cards that you would recommend?? I honestly didn't even know that was an option!

[@Buttercup2025]

yes, definitely an option. i use discover and cap one. they are both good options.

[@Gettingmymoneytogether]

@@LilyBudgetsI got a discover card with 0% interest for 15 months. Doing that helped me completely pay off my debt

[@annaclaxton1522]

My favorite color is also green. This is the year I finally will be debt free (excluding mortgage). I have $9500 to go! 💛

[@LilyBudgets]

You've got this!! This is the year we all thrive💛

[@kimmiskorner8447]

You got this Lily! We have about $40k combined in consumer debt so that is our focus to get under $20k by 12/31. 🎉

[@LilyBudgets]

Yessss let's drown this debt and live a free and happy life!💛

[@SarahEmelia-d4q]

Also, for the credit cards: make sure you calculate the interest acrued in between payments but also the extra amount free to budget once you pay it off snowball style!

[@BudgetsWithELMA]

Happy Sunday & love the new dashboards ❤ Much success with your debt journey 😊

[@insidiouschaos812]

also! my favorite color is teal, and my student loans are *significant*, and no matter what i do are going to take a long time to pay off unless i suddenly come into a lot of money - i graduated around 140k and have paid down about 40k in the last five years, 100kish remaining. based on my best guess, it’s going to take me about 7-8 years to pay it down, even after i refinance the private loans to a MUCH better rate.

[@Love2travelfar]

In case you didn’t catch it, on your $215.52 the amount should be $110 and $105.52 that equals $215.52 you have it as $225.52

[@LilyBudgets]

OMG hhaha thank you!! I'll make that update💛

[@budgetwithrenay2419]

My biggest goal this year is an Emergency Fund, (100 Envelope challenge), Month Ahead,( at least my fixed bills) and Christmas fund.

[@LilyBudgets]

YESSS save that shmoney!! I can't wait until this debt is paid off and I can build up those funds again too!💛 Goodluck!

[@christinaweibley8960]

💛💛 Fvorite color is purple Great plan and you got this!

[@everythingkendra36]

I have been feeling bloated and for the month of February I plan on doing the lemonade detox. TFS💞

[@tammywilliams8301]

You got this, turquoise is my favorite color

[@elviasanchez1349]

I love blue 💙

[@budgetingwithkrztofr]

Great video! 🌸 💛💛💛

[@cindychapman9210]

Hi, Lilly I too plan on getting my credit cards paid this year. And my favorite color is pink

[@kristabrown1742]

Favorite color is Purple!! I need to do a debt "paydown" plan but I'm procrastinating because I'm afraid to see how much actual debt I have.

[@kelleep535]

My care credit is at $27K, not including the $15k I transferred to a longer term 0% interest card. (Both of my dogs have cancer and are doing great but it is sooooo expensive.) You 💯 totally got this!! Also, purple. 💜💜💜

[@engineersonabudget6015]

Hi Lily! I'm focusing on paying off the HELOC I'm on, then it'll just be student loans for me! Your plan looks super doable! Rooting for you!

[@LilyBudgets]

You'[ve got this!! Austin wanted to take out a HELOC for some renovations and I'm like...just wait until my debt is paid off then I'm down!😅he might go ahead and do it but I told him the payments will be on him lmao

[@engineersonabudget6015]

@LilyBudgets totally fair! We did it for renovations and it was totally worth it, but we made sure all we had was the student loans and mortgage before doing that.

[@darcyferrigno]

My favorite color is green as well! Second favorite is probably a grayish blue ( I know, very specific).

[@TC-wi5zd]

You can call Best Buy and ask for a better interest rate as a short-term solution. You can always ask creditors to lower the rate.

[@LilyBudgets]

Really?? I didn't know that! Considering it's been basically at its max for a long time now because interest takes up nearly half of my monthly payments, idk if they'd approve me, but it's worth an ask!💛 Thank you!

[@LadyKatz]

I need to look into the 30% and how that helps credit. Black, blue (like a dark and metallic sapphire), and purple (plum or deep indigo).

[@authenticallyallison]

Kudos for putting it out there. Even if you dont post it for us all to see, i highly recommend throwing this all in google sheets or something. Update it monthly or quarterly and it is really encouraging to see the progress that has been made. I feel like that is when i made huge progress becasue then you sort of get completittive with yourself. I'm crushing debt girl. in 2024, I paid off $14.5k in debt. i am looking to be debt free by my bday in july. then i want to focus on fully funding emergency fund, saving for me wedding, and a house. i was a late bloomer with realizing debt just need to go so im proud of you for figuring it out much sooner in life than i have!! 💛

[@LilyBudgets]

OMG go you!! that's amazing! I already made it into a sheet and printed it out, so much easier to make sense of than my chicken scratches in this video!😅 I'll probably show it in Sunday's video as an update!💛

[@authenticallyallison]

@@LilyBudgets can't wait to see!! I can tell you put a lot of thought into this. I feel like this is when you know you're getting ready to move mountains. It just feels different then every other time.

[@authenticallyallison]

@@LilyBudgets also I'm sorry about all of my typos. Glad you could decipher. Probably wasn't wearing glasses or something 😂😂😂

[@tiarebabygirl]

Good luck! Fave color is rose gold💞💞

[@LilyBudgets]

Thank you!!💛 ooo, rose gold is such a vibe!

[@angelbay11]

You got this. My favorite color is pink and baby blue

[@LilyBudgets]

Thank you! Austin loves baby blue, he wrapped his old car in it 💛

[@angelbay11]

​@@LilyBudgets My car is the same color.

[@Samantharenee1992]

I have AT&T Internet, great internet and spend $65 a month. There’s an idea for internet. Great job on the debt pay down, I’ve been coming up with ideas for my family’s debt as well. Just an idea for the $200 savings challenge take that money and split it within the different envelopes in your baby binder help bulk that up a little more.

[@insidiouschaos812]

i use my credit cards irregularly but sometimes you have to (online purchases, and our local hockey team’s stadium is cash free so anything we buy there has to go on a card) but we pay ourselves back using cash stuffed envelopes so it doesn’t get out of hand - otherwise, the cards p much stay at home and we don’t use nfc payments either. it’s really cut our excess spending - before we started cash budgeting, we were spending close to $700 per month on dining out, we have ours limited to a max of $280 (200 for the month for joint restaurant trips, plus 10 per person per week for lunch while we’re in the office) and it is actually working really well!

[@LilyBudgets]

I love that!! Plans work when you stick to them💛

[@jwoooooooo]

You can do it girl 🎉🎉🎉❤❤ And dark purple 💜

[@Zoe-hx6ly]

Hey Lily! Don't be embarrassed - I think people tend to see debt as some sort of moral failure, but when we have a society that not only glorifies consumption but has a work culture that does not believe in giving workers what they're worth in wages and has extremely high medical costs, debt becomes inevitable. I'm in a very similar place as you - I accrued debt after a job loss and hey, we gotta keep living right? Never feel ashamed or embarrassed. We're all in this together against in an absolutely brutal system that is actively working against us. Also, my favorite color is yellow :P

[@JazzyJulesxox]

My favorite color is green. 💚😊

[@pjdanitatrends7091]

30% for taxes is a great idea. I'm going to try that. Awesome tip!

[@LilyBudgets]

It really helps me OVERsave for taxes and give myself a mini "refund" at the end of the year after paying in what I owe! Highly recommend💛

[@kitticecarouthers5370]

Hi,Lily My favorite color is pink 💗.🙂

[@LaynasBookshelf]

You got this! I have just my student loans left but that is over $30k so that will take a while! I have USAA insurance and it’s so cheap! Overall this year I’m focusing on saving for a wedding

[@CentsSenseCreation]

Hi Lily! New Subbie here💗 Beautiful Binders!!!🥰✨

[@natkakat]

fave color is pink 🩷

[@mariabright4404]

Think that's a really good plan ❤

[@sarasmires]

I have $29,000 in debt not including my student loans. 🤢 I am so stressed and hoping to get rid of atleast half of it this year!

[@Budgetingonabudget1]

Good luck!!!! You got this!

[@LilyBudgets]

You've totally got this! Once you make the plan just stick to it. I know this year is going to suck for me but once it's done I hopefully won't have to stress about it anymore!💛

[@Versionof8]

Could you rent out a room in your home for a while - to help pay

[@LilyBudgets]

We actually thought about it, but with 3 dogs it's a lot. If we needed to we would!💛

[@BudgetLikeNicole]

My favorite color is Yellow. Some advice if there’s any credit card you feel like you will rack up the debt on again after paying ,close it. yes it will hurt you credit a little bit but you are young and already have a home and probably won’t need the credit soon other than for the car and paying all this debt will increase your credit score because your utilization rate on your available credit as a whole is going to go down. When I paid off all my CC and my car my credit score sky rocketed to 850.

[@LilyBudgets]

@@BudgetLikeNicole honestly you’re so right. I think I’ll leave my “smaller” cards open, but once my Best Buy card’s pay off I gotta close it. That’s just so much potential “free” money tempting me and I honestly dk if I’ll be able to resist. I appreciate it!! Yellow is definitely my second favorite 💛

[@BudgetLikeNicole]

As someone who worked in retail store cards were always a bad one because i saw first hand how predatory the interest rate are and hated having to have people open them. I closed the one i had first. Get a bank credit card or if you have one keep that. Something with good rewards like cash back on gas and groceries to build your credit long term by using it on thing you already purchase and it’s helped me to keep my score up and stay debt free while enjoying the rewards. I cash stuff whatever i will spend on gas and grocery and have my card set up on auto pay i make sure to deposit the money before it comes out of my account and if i have any i use it for saving. Don’t be hard on yourself you are doing great. ❤

[@seznamginb]

Grey, green and blue 🎨

[@tasmiahtanjeen5548]

My favorite color is "Taupe"

[@DrSimpleBeauty]

Your new binder is the same as my first ever binder 😊 What are you printing your envelope labels on? Fave color is yellow 🌼

[@LilyBudgets]

I love it!! I use a cricut 💛and yellow is definitely my #2!

[@U2BearCat]

Who ever told you to leave a balance on a credit care and not leave it at zero? DO NOT do it . I pay off my credit card every month. My credit rating is maxed out.

[@LilyBudgets]

@@U2BearCat trust me I’ve already made those adjustments💛 thanks!

[@thebudgetevolution]

Hi Lily 👋 great plan 😊🩵

[@budgetwithrenay2419]

Are you going to use the snowball method?

[@LilyBudgets]

Sort of!! Basically, but not entirely💛

[@peachteabudgets]

My favorite color is pink!

[@LucyGonzalez-zw1lu]

great video my fav color is teal and purple

[@mackenzie5656]

Maybe I missed it, but are you still stuffing the adorable baby binder? I love your channel and content 🤍 I wish I was this dedicated to my finances when I was 25!

[@mackenzie5656]

Also, proud of you for sharing your debt with the world. I know you’ve said in previous videos that you weren’t ready to do that, but it really is freeing finally being transparent with your debt. And you have a great plan!

[@LilyBudgets]

Thank you!! and yes, idk why I didn't include it in this video I completely forgot! But I'm keeping that one long after my babies are here 💛

[@hawiena]

Green

[@robinlanders8551]

Mine is pink! 💕

[@lynetteplans7974]

Lilly, Thank you for sharing your debt and how you are going to attack it. My medical expenses wiped out my savings last year. I'm having to start all over😢. I also have CC debt. I'm currently working on a way to earn a little extra income to help pay off my debt. 💛

[@bianca_mak]

🔵🔵🔵🔵 fave color 🥰

[@christinaregalado3211]

Favorite color is Purple

[@kellywood2954]

I have a care credit mastercard. My daughter needs almost 1k in dental work. Just starting my debt payoffs so not much saved. How do you get the promotional financing on care credit? Saving some interest would be great. Loved the video and purple is the best.

[@annie4horses]

I think as soon as you make a payment, the promo kicks in. Depending on the amount, it tells you the promo term. Ex. $500 is 6 months, $1,000 is 18 months, etc.

[@kellywood2954]

@annie4horses ok. Thank you. That makes sense.

[@kellys9584]

My dentist told me they pay the interest (during the promo period) when I used mine for my kids braces. This was like 10 years ago but I guess it was a deal between care credit and the dentist. Not sure if that’s true or they were just saying that but when you go to use it I’d ask your dentist if you’re getting the no interest payback plan, just to cover your bases.

[@annie4horses]

@@kellys9584 That is the strangest thing I have ever heard. Are you sure it was interest and not the card processing fee? Businesses either eat that cost or pass it to the consumer. The finance company (Synchrony) that runs CareCredit is the one responsible for charging and collecting the interest. If it's 0% APR in a promo, then there's no extra monies being billed.

[@kellywood2954]

@kellys9584 ok. I will ask. I'm usually shy, but this debt and prices of everything is making me speak up. Thanks for the help.

[@Girlpleasebudget]

great video xx

[@djmommymom]

My guess @15:19 = babyyyyyyyy 👶🐥🐣

[@cherish8821]

Blue 💙💛💛

[@mrachel3]

Please pay off the credit cards to zero but just leave them open.

[@akbritn]

Never pay interest to build credit. Once you pay down the credit cards, pay the statement balance every month (not minimum payment) and your credit will be fine. You don't need to pay interest - this is a myth! We've never carried a balance (and paid interest) and my credit score is 827.

[@U2BearCat]

Why do people use store credit cards the interest on them is too high. You only need one credit card, maybe two as a backup in case you really need it. Open an account at a credit union, use their credit card. My interest rate is 12% it used to be 5% but it went up in recent years.

[@LilyBudgets]

@@U2BearCat thanks for the advice 😊

[@U2BearCat]

@@LilyBudgets You also avoid all those stupid bank fees. Love my credit union.

[@LilyBudgets]

@@U2BearCat I am also with a credit union💛 I plan to pay them all to zero and the only one I’m closing is the massive one that I lack self control spending on. The other 3 are staying open!

[@U2BearCat]

@@LilyBudgets It took me a long time to figure out to save the money first and have it already before I make any purchases.

[@My2CrazyKiddos]

💛💛💛

[@nancyjacobs5842]

Cerulean Blue

[@mrstrinimarine4life714]

💛💛

[@tracielder3772]

Purple

[@TheOscar15432]

💛💛💛

[@TheOscar15432]

Blue

[@badlands9100]

Can you start separating your selling and the true meaning of budgeting separate, I know for me, I don't care to really hear it, only here for the budgeting..I will monitor ur channel and listen to videos that have no selling in it. I understand your sponsored, but not interested in that.

[@AEvans36963]

It's wrong to tell people what they should be featuring in THEIR videos. That's just rude. If you don't like their content then DON'T WATCH.

[@LilyBudgets]

Honey I'm a budgeting channel working with low income, you can skip over the sponsored content if you don't want to listen to it, I totally get that, but ya girl needs to make more money than I already am or I'll be struggling for real😅