September Budget: I REGRET Setting This Financial Goal

💰 PLEASE SUBSCRIBE to My Couple's Channel, Sitting in a Tree: / @sittinginatree
💰 FOLLOW on TikTok:
/ funandbudget
💰REFERRALS YOU MIGHT BE INTERESTED IN:
The Tesla referral program is back! You can now receive 1,000 miles of free Supercharging when you purchase a new Tesla.
My Referral Code: ts.la/kanisha4055
💰 ABOUT ME:
People ask me this a lot: What do I do for a living? Here's the answer..I'm a magician. I am. For me, money grows on trees and is as abundant as raindrops falling from heaven. Yup...that's it, heaven grants me my wishes and my heart's desires simply because it is law. For real...all sacred texts say so...so why wouldn't YOU believe it to be true?
But in layman's terms, I am a computer software engineer by day and a landlord of sorts. I also create KZbin content and these things are the bulk of my income.
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
💰 BOOKS I WROTE:
You can order autographed books directly from me using Cash.App or PayPal (all books are also available on amazon)
All Black Girls Ain't Got Rhythm: $7
Holler at the Moon: $11
Price includes shipping and handling
My Cash.App: $TineshaDavis3
Paypal: [e-mail]
Send me an email with your mailing address and instructions on to whom you'd want it autographed.
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
💰 The following books are available on Amazon:
Holler at the Moon by Tinesha Davis Link: a.co/h2B3JJX
All Black Girls Ain't Got Rhythm by Tinesha Davis Link: a.co/2QHupmZ
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
P.O. Box Address:
Tinesha Davis
PO Box 220312
Chantilly, VA 20153-0312
Email: [e-mail]
Instagram: Tinesha_Davis
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
Song Credit:
Bubblegum by Declan DP Music / declandp
Licensing Agreement: declandp.info/...
Free Download / Stream: bit.ly/Bubbleg...
Music promoted by Audio Library • Bubblegum - Declan DP ...
▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬
Disclaimer: I’m not a financial expert or anything related. I am not qualified or certified to give financial advice. These videos are for educational purposes only and the channel’s content is made up of personal opinion gathered through personal experience. Please do your own research.

[@shouston8027]

You have to look at all you've accomplished thus far. You have a house that had a 600k+ mortgage which is now below 200K. What????!!!! That is awesome. And you have money already set aside to pay off the balance. Life is short and unpredictable. Traveling bring you so much joy. CONTINUE TO DUE IT. I am sure you will be blessed in ways you are not even dreaming of that will support your goal. You are very mindful of your money and I have learned so much from the experiences that you share. When you turn 50, your gift will be being satisfied with all you have accomplished in the past years and knowing that you are and have lived your best LIFE!

[@TheFirstRealChewy]

I don't mind that she enjoys what she worked for, I just hope she measures twice. Relatively speaking, I'd say that her lifestyle is on the high end. That said, there is nothing wrong with that, just as long as she can maintain it. Right now she makes a lot of money, but as long as she is on track to retire and afford the lifestyle she desires, then its all good. From what I can tell she'll likely increase, not reduce her vacations in retirement. So maybe the combination of pension, social security, youtube, and other investments will cover this lifestyle. If not, then I'd say increase the investments so that it's a smooth transition into retirement. If there is money left over after that, just throw it towards paying off the house. Afterall, that mortgage is just debt no matter how low the interest rate is.

[@NewbieSoaper]

You are so relatable. I liked your energy when you were paying off your home ASAP… you was still traveling!

[@dwalker6868]

You know you’re a responsible person so I say not to worry just keep tossing in all your buckets it’ll get done live life girl it’s precious but of course you know that. Thank you for your video.❤

[@artofnia]

Do you like the adjustable bed by Purple? Im thinking about getting one. Also I love the sayings "You're allowed to change your mind" & "If it causes stress, it's not worth it." You're so financially responsible so changing your mind about paying off your mortgage early is fully acceptable because it's not like you're going to be irresponsible afterwards. Pay off the home naturally when it happens and use your youth to travel Queen! 👸🏾 ✨️

[@FunandBudget]

I absolutely think the adjustable base is worth it (a game changer when watching TV). But it doesn't have to be purple - I got the mattress firm brand. Also know that all the bells and whistles are not worth it. If I did it again I would just need the feature that raises the head and possibly the one that raises the feet in case you found yourself with an injury that says to elevate your leg. All the other things (lights, vibration, lumbar raising) - we don't use.

[@artofnia]

@FunandBudget ok I figured that would be the case about the bed, all the extras aren't needed. Thanks so much!

[@rbraxton00]

And you can and will do it all. I believe that for you!

[@denbee1368]

It appears you have a good $ distribution each month to do all the things. In the long run, you can have it all. So what if it takes another year or two to pay off the house. You manage your money well!

[@topseekrit]

Words have power. Vacations are not problems. They're beautiful experiences that you can afford. I think you're stressing yourself out with the deadline and coming up with creative ways to shuffle around money, that's not ease. Remember, you'll be 50 for a whole year so even if you hit the goal the day before you turn 51, that's still amazing. Consider looking at how many trips you take on average and how much you spend per trip per year then figure out your new deadline based on that. Use data, not some arbitrary age. Hope that helps!

[@latrice2850]

Go on them vacations queen! You will figure it out !!!

[@kishasneed585]

Love the video, You will figure it out about paying off house in 2026 or still trying to go on vacations that's seems to be your weakness but I get it traveling is your passion. I truly believe you will focus on paying off mortgage when the time gets close.😊

[@skqq3250]

Lady T. Do you know about the 2 trips for one deal? Anytime you travel stop on the “transit country for 2-3 days” then continue to your final destination. This way you have 2 trips for one airplane fare. 🎉🎉🎉

[@FunandBudget]

Yup...I've done that several times on different vacations for years - I thought I talked about them in the videos but have never made stand-alone videos spelling it out.

[@TrekkingwithDebandMike]

You are rocking it.

[@FunandBudget]

Thank you!

[@alignedwithchrist]

Everting towards the house. It’s only for a short time.

[@MAJORCHANGEGROUP]

Tinesha, I know how you feel. I did the same thing when I was paying off my car loan in one year. Overall, I think you will figure it out how to do it all. I got really stressed at the end feeling like why did I create that goal. My sister even offered to help but I pulled through and paid off my car loan. I know you will manifest paying the house off and continuing to do everything else 💛

[@FunandBudget]

Thank you!!! And congratulations to you for getting it done.

[@marykekana2419]

And keep the extra investing.

[@patriciajenkins9458]

Hello Tinesha you just have to find a balance between paying off your house and vacations.💜

[@brucebanksshow]

The next Galaxy won't vome out to February or March. No reason to wait for it.

[@courtneyboone687]

In my opinion, put the extra $500 towards your house and travel with the rest 🎉🎉 You will have your home paid off in no time and then you can continue investing.

[@FunandBudget]

This is what I was thinking too being that its just for a short period of time.

[@courtneyboone687]

@@FunandBudget exactly

[@TMKJG24]

Oh lord what did i start 😂😂😂😂😂 no back peddling gotta keep you accountable i have the S20 plus brand new from insurance a few years ago because i still had the S9 or 10 and those were out have no interest for a new phone until this one plays out 😂😂😂😂

[@FunandBudget]

@@TMKJG24 lol...I wanted to back peddle like a mug but Im going to challenge myself...lol #EmbraceTheChallenge

[@TheFirstRealChewy]

Are you aiming to maintain the same or better lifestyle when you do retire? If so, have you checked to see if you are on track? The auto pay to your brokerage account is either a direct deposit configured in your workplace account, an automated transfer configured in your brokerage account, or a automated transfer configured in your bank account. I'd say you can slow down the investments if your investments are on track to pay for the lifestyle you want.

[@FunandBudget]

Yes I have a video on that - my fire journey. Currently I am 2 years away from fat fire - for me that will be being able to spend $100K a year and NONE of that will have to go on paying a mortgage since the house will be paid off. If I sell my home it will take my investments even higher leaving my spending margin even higher. And my autopay is set up through my brokerage app and transfers directly from my bank account.

[@cali_love5977]

Iceland sounds like a lot of fun! Do y’all post the trip footage on “Sitting in a tree”? How much do you typically spend per trip?

[@FunandBudget]

Yes...I post those things on Sitting in a Tree - each trip cost varies depending on so many things.

[@RealwithGod510]

You sound like me lol money is good but I too don't feel like going after all the running around during the week.

[@SocialCouplepreneur]

I have the S20 as well. I NEED a new phone badly. I need to look into this phone. I am excited to see the vlogs from this trip. That mindful spending! Listen i get the vacations. We intentionally didn't go on vacations for several months to include the summer and I felt like ugh!!! We just came back from a short but fun one. Lol why can't we have. You'll get the house paid off. Keep it in the investments. All the things will get done.

[@FunandBudget]

Child - vacation is more than an addiction...its a lifestyle...lol. I have your vlog in my queue to watch.

[@stephanielcowart6867]

I've been eyeing the S24 Ultra all weekend and I'm like it's this a sign or what lol.

[@FunandBudget]

@@stephanielcowart6867 Its not a sign - its not a sign...lol. But let me just say, my friend has one and the pictures she took in Tanzania had me doing a double take like wait...that was NOT what my S20 camera saw - lol

[@stephanielcowart6867]

@@FunandBudget I was even thinking about it earlier today. Idk I might end up at the store today or tomorrow, I might not. I have money set aside for a new phone but will do it monthly as well.

[@CourtneyBonner5818]

Great video! I am sure you will be able to do all three. Travel invest and pay off your house by your 50th birthday

[@KL-tp3gq]

@KL-tp3gq 0 seconds ago I really appreciate how honest and transparent you are about your struggles. Many channels just talk about their wins but I feel like you seem more relatable and very open and help us to realize this is a long game with challenges that are not “life” like car repairs but living life in tandem with financial goals. Like the honesty about your struggle with vacations - so real. Thank you!

[@Mr-Sam-I-Am]

I am kinda in the same boat but cheaper house, lower salary, and I have student loans. I traveled a lot this year and just reduced my mortgage pay off. It moved from four years to six. This time line will align with my student loans being forgiven via PSLF so I’ll be debt free with a net worth over 350 overnight. Not bad since all my debt is student loans and the mortgage. Sadly my education cost double my home did. I will say I am mourning my four year pay off plan and may pivot in the coming months to be a bit more aggressive and free up cash flow for travel on the back end but I needed a bit of respite to focus on other things.

[@Mr-Sam-I-Am]

I would also add I think you should invest the $500. If they are up you can always sell some of them to pay it off by your deadline. If you really need to hit that timeline goal!

[@WendyAntoine-y4i]

Keep the 500 investment going. Keep your spending low by leaving 1 vac for next year.

[@SpeakSteph]

I think you should continue with the $500 monthly investments. Your mortgage interest rate is extremely low. You need to chill and continue to live life. Whatever is left at the end of the month can go to the mortgage verses into your opportunity savings account.

[@MINORTHINGS99]

Good morning. Isn't the Ultra amazing. I have it in yellow. I had to purchase a case with a built-in holder for my fingers. It can be a challenge to grip. Great phone, though.

[@Justchilling8261]

Keep the 500 to investments. By you not figuring out how to stop it is the universe telling you to keep investing 😉

[@brittanip.4783]

I think you should do what you want and pay off that house when it gets paid off

[@FunandBudget]

Right...lol...its done when its done

[@IAMANTWI]

Tinesha in HD!

[@lowkey2262]

I like how you use a room in your house, your car and now your phone and travel to have write offs on your taxes for your business that you have when vlogging. I'm not sure how this works, but I'm sure you'll figure it out with some research. Great wishes.

[@FunandBudget]

a lot of those things I can't write off as far as taxes are concerned - its a little touch and go but I'm not a tax professional so all I can say is I tend to lean conservative as to not get caught up getting audited.

[@rbraxton00]

Investments

[@brucebanksshow]

Dont reroute the brokerage account funds. You need to plan out all your expenses for two years to fully plan this out.

[@FunandBudget]

I have over 5 years of expenses saved up - not sure if you mean this.

[@brucebanksshow]

@@FunandBudget no that's your "emergency fund". You need to plan all your trips for the next two years as well as other expenses for the next two years and see if you'll have enough to do your trips and mortgage with your normal income for the next two years.

[@FunandBudget]

@@brucebanksshow Ahhh...ok. Well, reality says not really - but magic says, of course...lol. Here's to making magic.

[@brucebanksshow]

@@FunandBudget Good luck! You'll come up with something, I'm sure.

[@FunandBudget]

@@brucebanksshow Yup...already came up with a few things since making this video (or better said, a few opportunities have popped up since making this video)

[@arthurjonesbey9999]

Would you consolidating all credit cards to help with budget?

[@FunandBudget]

I dont have credit card balances

[@IAMANTWI]

Your past-self made it a little more difficult for your future-self to stop the extra automatic payments to your savings and investments for a reason. Leave it alone and let it be, I'd say.

[@FunandBudget]

rofl - so true because I set it up and can't find where the set up is - lol

[@lowkey2262]

I don't know what a tax treaty benefit is, but....

[@mikajasmin3214]

Does your monthly income include your partner’s income?

[@FunandBudget]

No...but it does include money he gives me to go towards household expenses...that way I didn't have to adjust the full amount of the bills to show my portion vs his.

[@marykekana2419]

Why don't you just pay double the mortgage each month and go on with the fun life 🎉

[@FunandBudget]

Do you mean only pay double the mortgage? If I did that, I wouldn't meet my payoff goal.

[@stephanielcowart6867]

​@FunandBudget i read that comment and was like she already does not than that