The 3 Things I Put in My Budget That SAVED Me in 2024

[@melslife89]

Horrible. Went through custody battle and drained my savings and racked up 20,000 in CC debt to pay for my attorney. Court is finally done on Monday. Also Was supposed to be laid off from job as well so I got another job & then was never laid off. lol so now juggling 2 full time jobs and been working hard on paying off all that debt 🎉 2nd job pays OT and have only had 2 days off since starting 2 months ago lol I’m tired but focused and grateful 🙏🏽 2025 is going to be so much better ❤ Gods got us 🙏🏽🙌

[@shaneeh9361]

Yesss you got this!! I started a second job too we’re gonna be tired but it’s worth it!!

[@melslife89]

@ yeesss.. soon enough we can rest !!! 🫶🏼💪🏽

[@DyanaMariie]

Oh my goodness mama there’s nowhere left to go but up! His plan is coming into alignment but I’m sure you know that. Hold on!

[@canecorsomom2023]

Mamma ❤ this was beautiful to read.

[@Hairitage2023]

Amen 🙏🏾

[@ralph5899]

Girlfriend me and my niece were talking about this same subject. There is nothing like seeing those zeros building up in your bank account. You want to get to a point where you don't have to worry about a thing. Continued success in all your endeavors.

[@DyanaMariie]

Thank you!

[@dvn.pod.2023]

Thanks for this video. You are so right about CYA with the investments. I had to pull out of my investments and emergency funds to cover a $14k drain field replacement for our septic system. I also bought a used car and had to get repairs done. Hey, life be lifing, but I thank God for His Faithfulness and for teaching me resilience.

[@patriciavaughn4185]

New subbie. The last 2 years have been the worst. I have cut absolutely everything that could be cut to weather the storm, and financially came out the other side ok, but mentally and emotionally, I’m drained down to the dregs. That will take longer to recover from.

[@saritamoorebansa4485]

Awesome Commentary ❤❤❤❤. I love the buffer concept. I practice the buffer account with overpaying my utility bills . (I mistakenly doubled paid my electricity bill one month and realized it saved me when I had to pay for unexpected car brakes during routine oil change/tire rotation service visit. I was able to pay my electricity bill late that month but not really…😊😊😊) God has kept me and my fam with house repairs . ( being proactive as much as you can us better than be reactive is so much better) Please keep up the awesome commentary and see you in 2025.❤❤❤❤😂😂😂😂😊😊😊😊

[@rachelesmith3342]

2023 whooped my ssa in terms of debt. Paying for my fathers funeral expenses, taking vacations I had no business taking, home repairs, etc. In January 2024 I buckled down and I just got out of credit card debt in September after paying roughly 20k. I paid off one of two of my loans in this past week and my last loan, my car loan, will be paid off by mid February. Whew chile this economy and adulting is no joke.

[@DyanaMariie]

No joke! But you did that!!!👏🏽

[@flowforever9084]

Awesome ❤❤❤

[@Nwakaego_]

You’re doing amazing paying off your debts! Proud of you! Way to go lady!👏🏿❤️🎉🙌🏿💪🏿💯

[@michelleswanston5882]

2024 was definitely a struggle for me financially. the past couple of years i was able to pay off all of my non mortgage debt AND save a 6+ mos emergency fund AND i went on multiple vacations. 2024 was the year of no vacations, no increase to savings, thankfully no increase to debt either, but whew... what a year. my investment accounts do look good though, so yay for that!

[@Hairitage2023]

I like how you just got straight to it!! Great content!! Thanks so much!!

[@GinaGould-ov7db]

Girl, 2024 everything has gone up in prices. My biggest bills used to be the rent and electricity now it’s the rent and groceries is my second to the biggest bill life was for the past two almost 3 years. I’m so proud of you. Keep your head up let’s keep it going, let’s do our best to try to stay positive and going to 2025 with the expectation of even if it’s three dollars let’s save❤💜💯👍🏾👍🏾

[@YahsLoveisEnough]

I don't know if it's just the way I hear you speak, but being a single parent doesn't have to be a liability. There is a common belief that being a single parent means you are struggling financially. or just overall. A lady I work with said her husband said to her stop working so hard, "You're not a single mother", he then said, why do you act like you have no money? It's because she doesn't and that is why she works the way she does. Even being married she can't depend on him to be financially responsible. She told me he was responsible for paying the utilities and they were on budget billing which is when they average your yearly bills and charge you one amount all year so you don't have big spikes in electric bills. He missed a payment so they got kicked off the program. He had her homeless and many other incidents. I say this because having a spouse doesn't equal stability in any way. I see many coupled women complaining that they can't pay bills on 2 incomes. Don't compare yourself to anyone, Some couples are in worse shape, but would have you believe they must be doing better because they have a partner, not a good partner, but a partner. I hope this message finds you well.

[@gratefulplanning8217]

I agree 👍 💯

[@DyanaMariie]

@@YahsLoveisEnough some of the most financially stable people I know are single parents. It awakens a different kind of hunger when you know it all on you. It’s hard, but all I’ve accomplished is because it’s all on me so there’s no room for lack of discipline. But it’s hard no doubt.

[@DarknessFalls29]

@YahsLoveisEniugh, EVERYTHING you said!!! 💯💕

[@flowforever9084]

You're so right. My ex was sorry and would ask me for money. Goodbye 😂😂

[@flowforever9084]

​@@DyanaMariie...So true

[@lynpryoraudio9868]

Thanks for sharing this. It's good to see you still on KZbin.

[@Batirtze-b6x]

Awesome reflections!!!!! My 24 has been good. I've been saving for a long time for a down payment and I'm still going at it. I have a new level of comfort and freedom now -compared to 5-6 years ago-. I couldn't be more proud of myself. I celebrate you, sweetheart. You are a Rockstar. ❤❤❤❤❤❤❤❤❤❤❤❤❤❤

[@DyanaMariie]

@@Batirtze-b6x I’m proud of you!

[@Batirtze-b6x]

@DyanaMariie Thank you, honey!!!!! And I'm proud of you!!!!! Keep at it. You don't even know what seeing you can help an army of ladies who are single with kids. You are powerful and you're not even aware of how far you'll get. Enjoy the ride. We're with you!!!!❤️‍🔥❤️‍🔥❤️‍🔥❤️‍🔥❤️‍🔥❤️‍🔥❤️‍🔥❤️‍🔥

[@carolinepankey21]

Loved the video. I have a bills account that I keep separate. I also do the over budgeting of utilities. I invest but never look at them. I just let it roll. Financially this year God has been good. My goals for next year is to continue building our emergency fund and adjust to the financial changes of being new parents

[@lisascally7061]

I need to do the buffer with my bills account. Currently in milder months (I’m in Texas) I pay $50-80 over on my utility bill (water, sewer, trash and electricity all one bill) up to $200 total so that in the summer and winter I have a cushion. This would be better as an overalll cushion I think. I live in an apartment so my expenses don’t vary a ton and I don’t have maintenance expenses. I’d like to be a month ahead just as a safety net.

[@TMKJG24]

I have a separate account for bills that are automatically transferred to my secondary from my payroll. As far as utilities, I pay $100 per month it in 6 month intervals. So right now I am paying my electric bill $50 every 2 weeks until June 1st 2025. Then I will convert over to my gas bill. And repeat to gear up for the winter. So I always have credit on my bill. And I also am on budget billing with my electric company where I'm charged. A flat rate based on usage. I also have a high yield savings account where I keep my extra money in my emergency fund I also have a Roth RA and a brokerage account. For my investments along with my 403b

[@flowforever9084]

Very good advice!! Thank you❤❤🎉🎉❤❤ I loved listening to you. Very clear and precise.

[@IrisBeautifulMarie]

Smh. Single mom and homeowner here and I felttttttttttt that part about always being needed.

[@Hairitage2023]

You’re doing a great job Sis!!

[@CW-ez7mn]

I Understand where you’re coming from since my parents were very poor and they never own a car or home, I never knew basic stuff that was common knowledge to most. I gotten into certain situations that maybe I would not need to deal with if I had the experience or knowledge. your life and finances will have many ups and downs but if you prioritize saving versus spending, it will grow then snowball once you have sizable nest egg. It does take time but the years will pass no matter what. you can navigate through all this, learn from this and your kids will know how to properly handle similar situations in future. Best to you and your family.

[@zakiyaelmalika]

Thanks for sharing your experience Dyana. The beauty in being a woman and finding sisterhood in being women - we will always be able to share in understanding the experience. Know that I am rooting for you, and your tips are so relatable for me, although not a mother, I am starting to forecast what that may look like for me if I don't find a suitable partner, yet still desire to have children. Watching you lets me understand the types of responsibilities, undertaking, and expenses that come with that. You should be so proud of how you are responding to life and taking care of yourself and children, along with managing the household expenses to ensure you are wealth-building to create better opportunity for your children and self. You are also doing this by learning on the fly with EXPERIENCE. It's on of the greatest teachers, and you are learning and understanding at what appears to be still very young, very impressive. There is always power in numbers, so I pray you meet partnership in life that will allow for some ease, but until then, you are doing amazing and inspiring by sharing your experience. I've gone through quite a bit of hardship being a homeowner, so your tips help me to set some rules for the upcoming 2025.

[@DyanaMariie]

Thank you ❤

[@katemorrison5444]

”Anyone who is not investing now is missing a tremendous opportunity." As a single mom living in Spain, I purchased my second house in September last year, and I am on track to retire next year. I owe a huge thanks to Maya Payson for her invaluable help in making this possible.

[@angelmiguel133]

This lady called Maya Payson must be very good for people to talk about her this much. she also manages the investments of one of my colleagues. I'm impressed that you are aware of her as well.

[@katemorrison5444]

Yes angel she's very good, she is straightforward and one of the best so far. People who don't know her or those that haven't invested with her. would say otherwise but the honest truth is that she has helped more people than i can count and that has to stand for something.

[@CharlotteGreen47]

I must say, she is definitely one of the best out there. I had the pleasure of meeting her once during a trading conference in Oklahoma, and it was clear that she knows her stuff.

[@Richardwilly-gc5oz]

I'm not here to speak for her, but to testify to what I'm sure of, she’s the best broker i know who is sincere, trustworthy and reliable. kudos! Maya

[@EllieClark-nw9mp]

I heard about this lady on Larry Jones channel, please how can i get in touch ?

[@EmpressWanderlust]

Buffer account sounds great-I use my HSA as a buffer account. The money isn’t easily accessible because I have to find an old medical bill to get the money but it’s tax free. I have 3 recurring expenses: rent, cell phone and internet.

[@sherriegray1447]

I enjoyed this video.. I completely agree with having a buffer. It has saved me many times. I also agree with over budgeting for some utilities, property taxes and insurance. The amount can fluctuate month to month. But, I disagree with not touching your investments. I have had to touch my Taxable Brokerage account. In 2024, I had unexpected large medical bills, car repairs and not to mention increase cost of living. My emergency Fund couldn't cover entire amount. Healthcare expenses are no joke... I am so grateful for this investment account. It's my life account. 😊 You are doing a great job. .keep these videos coming. 😊

[@carolinepankey21]

That’s exactly what she said in terms of having an investment account. She doesn’t want to pull from it but sometimes life life’s and it’s good to have one just in case you have to

[@Batirtze-b6x]

Good for you. Keep at it and you'll get to a better place.

[@faithbydesignXO]

I loved this whole video!! So many great nuggets! 💜🌻🌷

[@DyanaMariie]

So glad❤

[@aleciariddick7719]

I had an ok year until now. I got some money from a car accident and was trying to save it. Then all hell broke loose, My toilet had a crack in the tank and I had to get that replaced. With the car accident money, I call myself preparing for Winter cause I heat by propane, so I brought gas and two electric heaters then the hose in my furnace has holes in it and I can't get the part until January so I'm only using electric heaters. I'm just glad that I'm in a place with God that not too much really bothers me anymore, I just endure. I need to get a buffer account and I do over budget for varying utilities but not as much as you. I usually just save a portion that I'm not using for bills in my emergency fund. I will take your advice on having a buffer as an emergency fund for my emergency fund.

[@flowforever9084]

I'm sorry that all of this is happening to you. You're under attack by the enemy. Put oil out. Pray a rebuke prayer. Ask God to give you funds. I've been there. Everything that could go wrong went wrong. Pray and fast.

[@aleciariddick7719]

@@flowforever9084 I believe you about the enemy and I will anoint myself and pray tonight, God bless you!

[@whothou]

This year has been great for me financially! Still young, living with parents but this is the first full year since really buckling down and researching, learning and getting serious about my finances. And was able to hit all my financial goals for this year. Projected 6 month emergency fund done, catching up with retirement and now i can get serious about looking for apartments to move out.

[@DyanaMariie]

Nice!

[@FIRE_DrNinjaTurtle]

This is going to be your best year ever.

[@DyanaMariie]

Same for you!❤

[@a_2502]

I have an account that I do not use, take money out of, really look at it that I only pay 2 bills off of .... definitely going to switch all my bills to that account!

[@Mrdonny908]

That beginning part lol 😂

[@moonmaiden585]

Hello, Thank you for sharing. Is your buffer like an emergency fund, or is it a little different from that? I just want little clarity on that.😊

[@DyanaMariie]

My buffer account is different than my EF. With my emergency fund what I use for it is more strict. I wouldn’t use a forgotten expense with my EF money so my buffer account is a little less strict.

[@moonmaiden585]

@DyanaMariie Thank you for the clarification.

[@flowforever9084]

​@DyanaMariie ...thank you ❤🎉❤

[@jess-99]

VERY HARD FINANCIALLY AS A SINGLE MOM OF 2 TOO... here in France

[@DyanaMariie]

Lifting you up, we’ve made it this far!❤

[@vickiewilkins1579]

It's called a Life Happens fund. For the reasons you list.

[@DyanaMariie]

I like that title, hey whatever will do the job!

[@siobhanod]

Love this video ❤

[@DyanaMariie]

Thank you!

[@keitymulligan6853]

Can you share how you started investing ?

[@DyanaMariie]

Yes!

[@tikahardy647]

Very helpful tips thank you

[@marilyncobb4469]

Do you just leave the buffer in your checking acct? Or move it to a buffer acct after bills are paid?

[@DyanaMariie]

My bills account is a basic checking account. Everythings stays there so it has its own buffer in that account just for bills.

[@flowforever9084]

​@@DyanaMariie.....great idea

[@jessicaamos3623]

Totally off topic! I noticed that you've had your braids for quite some time. Do you refresh the perimeters? Do you wash it? How long has it been? I used to get braids often, but it would irritate my scalp. I got tired of wasting money getting my hair due to me not keeping it up. I'm learning how to braid, but for the life of me, I can't grip to save my life.

[@DyanaMariie]

Honey I’m almost to 1 year with these lol. I wash them and have refreshed them numerous times! I sweat in the gym so I can’t be bothered with my hair. When they look overly grown out I refresh each individually so I can moisturize that strand and snip my ends!

[@DoTheDomThing]

You’ve been keeping up with them very well. Seems simple and I kind of been doing the same. Your growth must be amazing.

[@DyanaMariie]

@ thank you! And yes I’ve cut my hair numerous times when cutting the braids because I wasn’t used to the length it is now!

[@RachelCumberbatch]

@@DyanaMariiewow! I thought you were redoing them all this time! They look amazing! I thought my daughter having hers in for 9 weeks was long 😂 makes so much sense though! I’m thinking of learning how to do some jumbo braids so it doesn’t take as long but then they wouldn’t last as long soooo 🤷🏻‍♀️

[@Infinity4ever70]

Keep going❤

[@GinaGould-ov7db]

Girl, you speak nothing but the truth straight up facts💯💜

[@DavidKnicks]

You got this!

[@perdybirdie]

Any stocks you recommend?

[@IrisBeautifulMarie]

Give me the tea on where you invest.

[@jasperflontes4289]

Thanks a lot for this. The year is already coming to an end and I know a lot of people are depressed that they did not do well this year but this is Me trying to encourage you that it's not late. My advice to everyone is this : if you want to grow big this year especially in your finances. Be willing to make investments. Saving is great but investing puts you on a pedestal where you wouldnt have to worry about savings as you do now. Thanks to larysa Caba, my portolio is doing really great and im proud of the decisions i made last year.

[@jasperflontes4289]

Making over 48k monthly is all because of her.

[@ivarlast2966]

I feel one Of the greatest challenges that we first timers face in the ma rket is that we end up losing all we have,making it difficult to find ourselves back to our feet. My biggest advice is to always seek the services of a professional just like I did when I ventured into it for the first time. Big thanks to Larysa Caba. I now make huge profits by weekly through her services while still learning to stand on my own.

[@fred5528]

I know Larysa Caba. she trades for everyone I meet. I met her twice at a meeting in Germany and after her lectures from Ella I had to personally ask her to be my financial advisor. she is definitely good .

[@bigelbow4854]

I have never seen a trader as open and transparent as Larysa Caba with her clients. The way she decides to make a profit for her clients. she allows you to express your fears and she still rests your fears and that is my respect. I don't normally comment on videos, but this word should be included. she is really cool.

[@dominicleong4385]

I just looked up her name online. she is licensed with credible certificates and has an amazing track record. Thank you for the message.

[@justmo2023]

❤❤

[@myrnaj4502]

❤❤📝📝

[@hereforthebs8655]

Why are you so silly😂

[@Blkson4237]

She is beautiful, I want to be a stepdad

[@rsimmons1980]

Never heard of this person. She just popped up. But what she talking about budget? In the first 10 seconds, I am seeing her house and she looking rich. $$$$$$$$. Girl, what you do? How much you make?

[@DyanaMariie]

Chile whooo looks rich?! I’ll take that compliment though 😅❤