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A step by step guide on how to get out of the paycheck to paycheck life and create a sustainable plan with your finances. Chapters 00:00 Introduction 00:59 My Income Situation 02:20 How I Organize My Money 06:24 How I Budget My Money 10:17 What I Do When I Get Paid 13:17 How I Manage My Money On A Low Income Join My Patreon Page!: 🤍 If you would like to support my channel!: 🤍 Mint Mobile (save on your cell phone): 🤍 Books I'm Reading: Die With Zero: 🤍 Out of Your Mind: 🤍 That Will Never Work: 🤍 Currently I am on a low income; however, despite being on a low income, I am still able to make ends meet, save, and invest my money. In this video, I want to walk you through a detailed explanation on exactly how I manage my money on a low income. 1. My Income Situation In this video, I want to be completely upfront with you on my personal financial situation. I am currently living on about $2500 a month after taxes. My income is extremely unpredictable, but over the last year I have managed to live off of an income of about $30,000 a year. Despite this, I am not living paycheck to paycheck, but I have a large amount of savings and investments in case of an emergency. 2. How I Organize My Money Organizing your money is the first step in gaining control over your personal finances. My personal plan consists of the following: (1) I put all of my money in a no fee bank account; (2) I organize my money in a checking account (which is for spending), a savings account (which is for emergencies), and an investment account (for growing my money); and (3) I put all my expenses on a credit card that I pay off at the end of the month. I find it extremely important to have your money divided in between accounts so that each dollar has a home and a purpose. 3. How I Budget My Money Regardless of your income (but especially on a low income), you need to create a budget so you are not spending more than you are making. My personal budget plan consists of the following: (1) Track all your expenses, so you know exactly where your money is going; (2) See if your spending is sustainable, which means to see if you are spending more or less than you are making; and (3) Examine all of your expenses one by one and see if they can be lowered or completely cut out. Regardless of what your financial situation is, we all have areas of our finances that can be improved. Creating a budget that is sustainable where you are spending less than you are making is extremely important. Expense Tracker: 🤍 4. What I Do When I Get Paid I believe in making my finances as simple as possible and so I have created a simple plan to pay all of my bills in full every month without taking on any debt or taking money from savings. I do the following when I get paid: (1) Pay myself first, which is to set aside a specific amount of money each paycheck in my savings account; (2) Pay off my credit card which I put the majority of my expenses on and make sure at the end of the month the balance is paid; and (3) pay my non credit card expenses by manually paying them or putting them on auto pay. Whenever I get paid I follow this simple financial process. 5. How I Manage My Money On A Low Income I manage my money by keeping my money organization simple, creating a sustainable budget, and keeping my finances simple. When I focus on developing a plan, I am able to make living on a low income more manageable. It is important to remember that regardless of your income, you should focus on creating a good relationship with your finances. This video is intended for entertainment purposes only, none of it should be interpreted as financial advice. Links above are affiliate links where if you click and order, I will receive a commission at no cost to you.
The trillions in excess personal savings built up in the pandemic are beginning to vanish amid high inflation, according to Federal Reserve economists. The monthly saving rate fell to a 15-year low in 2022. It started a recovery in 2023, but remains well below long-term trends. Despite this slowdown in saving, consumer spending has remained robust, keeping the U.S. from recession. “Something like $2 [trillion] to $2.5 trillion above what we would have otherwise expected were saved by American households,” said Curt Long, chief economist at the National Association of Federally-Insured Credit Unions. Collectively, Americans have trillions in excess savings compared with expectations leading up to the pandemic, according to Federal Reserve economists. Watch the video above to learn about how the personal savings rate affects you and the wider economy. Chapters: 00:00 — Introduction 01:26 — Budgets 02:40 — The personal saving rate 05:33 — Recession? 07:48 — Ways of saving Produced by: Carlos Waters Edited by: Nora Rappaport Animation: Jason Reginato Supervising Producer: Lindsey Jacobson Additional Footage: Getty Images Additional Sources: Federal Reserve Board of Governors, Organisation for Economic Co-operation and Development, U.S. Bank » Subscribe to CNBC: 🤍 » Subscribe to CNBC TV: 🤍 About CNBC: From 'Wall Street' to 'Main Street' to award winning original documentaries and Reality TV series, CNBC has you covered. Experience special sneak peeks of your favorite shows, exclusive video and more. Connect with CNBC News Online Get the latest news: 🤍 Follow CNBC on LinkedIn: 🤍 Follow CNBC News on Facebook: 🤍 Follow CNBC News on Twitter: 🤍 Follow CNBC News on Instagram: 🤍 #CNBC Where Did Americans’ Savings Go?
All the latest increases to interest rates including a 7% current account linked account from Santander, a 6.2% one year fix and a hike to ethical Green Bonds from NS&I. Plus much more including updates to Chip, Tandem, Hanley BS, Kroo and Barclays *Find the latest accounts in my regularly updated savings account best-buy article over on my blog 🤍 *More on these updates on the blog 🤍 W A T C H N E X T Updates on the best savings, current accounts and credit cards 🤍 Should you move your savings? 🤍 Regular Savings accounts explained 🤍 #Savings #HighInterest #BestSavingsAccounts TIMESTAMPS 00:00 The latest savings rates 01:05 Inflation and base rate update 04:03 Current account linked at 7%, including Santander & Kroo 07:32 Limited access at 5% and easy access just below including Chip & Tandem 13:20 Regular Saver update 14:28 Fixed rates at 6.2% 20 ISAs, including 5.35 Flexible fix MORE S U B S C R I B E 🤍 N E W S L E T T E R - 🤍 (You'll also get a free Quidco bonus for signing up) T W I T T E R - 🤍 I N S T A G R A M - 🤍 F A C E B O O K C O M M U N I T Y - 🤍 B L O G - 🤍 A B O U T A N D Y Andy Webb is a money blogger and journalist. He runs the award-winning website Be Clever With Your Cash, hosts the Cash Chats podcast, presented Channel 5’s Shop Smart Save Money and writes every month for Reader's Digest. Andy also founded the community ukmoneybloggers.com. DISCLAIMER Content in these videos does not constitute regulated financial advice. Any offers mentioned were correct at the time of filming.
Available at 🤍baddiesandbudgets.com AMAZON STOREFRONT► 🤍 MY WEBSITE► 🤍 JOIN MY FB GROUP► 🤍 SUBSCRIBE for more envelope stuffing tips► 🤍 SUBSCRIBE to my second channel for more behind the scenes►🤍 INSTAGRAM ➡ 🤍 TIKTOK ➡ 🤍 TWITTER ➡🤍
At its simplest, interest is the cost of borrowing money. Generally, you’ll pay interest to borrow money, and you can collect interest when you lend money. When you deposit money in a savings account, you are in essence lending a bank money and will earn interest on that money. Explore our video overview on how interest works on savings accounts. To learn more about how interest works and how it can help you achieve your financial goals, visit: 🤍
A bonus savings update! A new top of the table easy access account has launched - but it's only going to be around for a week or so! Plus two more best buys in a regular saver at 8% (though most won't get it) and 4.65% on a cash ISA. *Find the latest accounts in my regularly updated savings account best-buy article over on my blog 🤍 *More on these updates on the blog 🤍 W A T C H N E X T Updates on the best savings, current accounts and credit cards 🤍 Should you move your savings? 🤍 Regular Savings accounts explained 🤍 #Savings #HighInterest #BestSavingsAccounts TIMESTAMPS 00:00 Santander 5.2% easy access 03:50 Will you pay tax on interest? 05:50 How it compares to other accounts 08:28 Monmouth Building Society 8% regular saver 08:56 Moneybox 4.65% limited access Cash ISA MORE S U B S C R I B E 🤍 N E W S L E T T E R - 🤍 (You'll also get a free Quidco bonus for signing up) T W I T T E R - 🤍 I N S T A G R A M - 🤍 F A C E B O O K C O M M U N I T Y - 🤍 B L O G - 🤍 A B O U T A N D Y Andy Webb is a money blogger and journalist. He runs the award-winning website Be Clever With Your Cash, hosts the Cash Chats podcast, presented Channel 5’s Shop Smart Save Money and writes every month for Reader's Digest. Andy also founded the community ukmoneybloggers.com. DISCLAIMER Content in these videos does not constitute regulated financial advice. Any offers mentioned were correct at the time of filming.
High Yield Savings accounts are the easiest stream of passive income for beginners. In rising inflation rates of October 2022, here is everything that you need to know about the best bank account to make you more money! #YourRichBFF #money #money #finance #highyield #interestrates More Rich Advice and resources: 🤍 Sign up for the enRICHed Newsletter: 🤍 Instagram 🤍 Tiktok 🤍 Twitter 🤍
Start investing with bonuses below ⤵️ ► See what I invest in & FREE stock with Public: 🤍 ► Claim another free stock with Robinhood: 🤍 ► Up to 12 free stocks with WeBull: 🤍 None of this is meant to be construed as investment advice, it's for entertainment purposes only. Links above include affiliate commission or referrals. I'm part of an affiliate network and I receive compensation from partnering websites. The video is accurate as of the posting date but may not be accurate in the future.
All the latest increases to interest rates on savings accounts, including yet another Premium Bonds hike. *Find the latest accounts in my regularly updated savings account best-buy article over on my blog 🤍 *More on these updates on the blog 🤍 W A T C H N E X T Updates on the best savings, current accounts and credit cards 🤍 Should you move your savings? 🤍 Regular Savings accounts explained 🤍 #Savings #HighInterest #BestSavingsAccounts TIMESTAMPS 00:00 Big movements on rates 03:12 Easy access accounts at 4.35% 06:30 Limited access at 4.35% 07:51 Notice accounts at 5:09% 08:19 Regular Saver up to 9.5% 10:23 Fixed accounts up to 6.05% 12:02 The best ISAs at 5.25%% 12:48 Premium Bonds at 4% MORE S U B S C R I B E 🤍 N E W S L E T T E R - 🤍 (You'll also get a free Quidco bonus for signing up) T W I T T E R - 🤍 I N S T A G R A M - 🤍 F A C E B O O K C O M M U N I T Y - 🤍 B L O G - 🤍 A B O U T A N D Y Andy Webb is a money blogger and journalist. He runs the award-winning website Be Clever With Your Cash, hosts the Cash Chats podcast, presented Channel 5’s Shop Smart Save Money and writes every month for Reader's Digest. Andy also founded the community ukmoneybloggers.com. DISCLAIMER Content in these videos does not constitute regulated financial advice. Any offers mentioned were correct at the time of filming.
signs you're saving too much money, and what to do instead // personal finance tips, how to save money, frugal habits, how to be smart with money Acorns makes it simple to INVEST and SAVE with little money (start investing with only $5). Setup an account for you AND/OR your kids! Use my invite link and get $10: 🤍 ↓↓Other Financial Resources↓↓ *Budget Planner - Monthly Finance Organizer with Expense Tracker Notebook to Manage Your Money Effectively: 🤍 *Budget Binder with Expense Sheets, Money Organizer with 8 Pcs Cash Envelopes for Budgeting: 🤍 *Ibotta is a free app that gets you cash back on the stuff you buy. Use my referral code "renmwpo" at registration to get $5. Sign up at → 🤍 *Looking for an automated investment service? Open a Wealthfront investment account and get $5,000 managed for free for life: 🤍 LET’S CONNECT: » TikTok: 🤍 » Blog: 🤍 » Instagram: 🤍 Don’t forget to SUBSCRIBE, LIKE AND COMMENT: 🤍 DISCLAIMER: Some links in this description might be affiliate links. What does this mean? If you purchase a product or service using a link I provide I may receive a small commission-at no additional cost to you. I Gave You A Flower by Le Gang 🤍 Creative Commons — Attribution 3.0 Unported — CC BY 3.0 Free Download / Stream: 🤍 Music promoted by Audio Library 🤍
Happy Hump Day! Watch to see how many challenges we finish today...I cannot even believe it! Thanks so much for watching, Friends. I'm so grateful to each and every one of you! Helpful Links: 🤍boymomlovestosave 🤍 Bling Pens & More! 🤍BlackNBlue10_4 🤍 Mushroom "Toadstool" coin bank 🤍 🤍SavewithSydneybear 🤍 🤍GinaRenaeRNBudgets 🤍 🤍 Carly 🤍 🤍MadelineBudgets 🤍 1,000 Galaxy Print Savings Challenge Book 🤍 The Parent Trap Challenge Book 🤍 FRIENDS TV Show Challenge Book 🤍budgetsnchaos 🤍 🤍budgetdetermined7413 🤍 🤍mymoneymatterswithest 🤍 🤍MischiefManagedBudgets 🤍 🤍JanellRaeBudgets 🤍 🤍TheHumbleBudgeter 🤍 🤍CoffeeandBudget 🤍 🤍GoldenGirlBudgets 🤍 🤍ericabudgets 🤍 Super Mario Bros "Bowser" Challenge 🤍 🤍SavBudgets 🤍 🤍lisagratefulme 🤍 The Little Mermaid Challenge 🤍 🤍tiffanibudgets 🤍 🤍SpookyBudgets 🤍 Snoopy A5 Binder 🤍 Care Bears A6 Binder 🤍 Cash Tray 🤍 Dice 🤍 If you feel so inclined to further support me and my channel or help out with my dog Ranger's medical bills from before he passed away, here is a link to do so (absolutely not necessary, but very much appreciated!) : 🤍 Here is the link to my Etsy shop: 🤍 Thanks to everyone for watching and supporting me. I appreciate each and every one of you. Please subscribe if you haven't already. xo, Lizzy I love mail! Write me at: Busy Lizzy's Budget PO Box 804 Plymouth, NH 03264 BusyLizzysBudget🤍gmail.com
Available at 🤍baddiesandbudgets.com AMAZON STOREFRONT► 🤍 MY WEBSITE► 🤍 JOIN MY FB GROUP► 🤍 SUBSCRIBE for more envelope stuffing tips► 🤍 SUBSCRIBE to my second channel for more behind the scenes►🤍 INSTAGRAM ➡ 🤍 TIKTOK ➡ 🤍 TWITTER ➡🤍
Thank you to The Great Courses Plus for supporting PBS. To learn more and to start your trial, visit 🤍 SUPPORT us on PATREON: 🤍 SUBSCRIBE to Two Cents! 🤍 Once upon a time, savings accounts were a decent investment option, but today they rarely keep up with inflation... what happened? sources: 🤍 🤍 🤍 🤍 🤍 Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson, AFC® Directors: Katie Graham & Andrew Matthews Written by: Philip Olson, CFP® and Julia Lorenz-Olson, AFC® Executive Producer: Amanda Fox Produced by: Katie Graham Edited & Animated by: Sara Roma Images by: Shutterstock Music by: APM
Putting your money into a savings account is a terrible way to make passive income. The bank might pay you around 0.01% on the money you save, which is very little when considering a good profit would require a large amount of money to be put in the savings account to begin with… 📉 Instead, buying shares of your bank gets you dividends, which have a higher percentage compared to a savings account. By buying shares you can make a lot more profit than you would by saving. If you made it this far, you’re interested in finance so hit that follow button for more content 🙌 #Shorts #Finance #Savings #Money #Bank
🐪 Hump Days Newsletter ➭ 🤍 Here's how the Chinese save so much money. China’s Gross Savings Rate is 45.9%. Meanwhile, data in the US suggests that the savings rate is closer to 3.5-5%. How is it that the Chinese Save SO much money? I explain in today's video! Enjoy. 🤍 🤍 🤍 🤍 💸 SoFi Checking & Savings: Get up to 4.20% APY, pay no account fees and earn $250 when you sign up and set up direct deposit. Terms apply ➭ 🤍 FREE STOCKS: 🏆 WeBull (Get 6-12 Free Stocks worth up to $30,600 when you deposit $100) ➭ 🤍 🎓 Public ($10 Free Stock) Investing App ➭ 🤍 RESOURCES: ▶️ Join the Patreon Community ➭ 🤍 🐪 Hump Days Newsletter ➭ 🤍 💳 My Favorite Credit Cards ➭ 🤍 FREE GUIDES/TEMPLATES: 🏠 Investing 101 PDF: 🤍 🏖 The Financial Mastersheet: 🤍 🚗 Car Lease Payment Calculator: 🤍 💵 Net Worth Tracker: 🤍 PERSONAL LINKS: 🎥 My YouTube Setup ➭ 🤍 🌍 Rickie (Editor) ➭ 🤍 🗞 Twitter ➭ 🤍 📸 Instagram ➭ 🤍 🚀 Tik Tok ➭ 🤍 Timestamps: 0:00 - Intro 0:27 - Stats on Savings 0:54 - Why Chinese Are Excellent At Saving 3:22 - Demographics 5:19 - The Secret 6:54 - 4 Factors the Chinese Prioritize 7:32 - The 10:1 Rule 8:50 - Factor 3 10:11 - Factor 4 📧 GET IN TOUCH: I'd love to hear from you! If you have a longer question, or if you have a business related inquiry, please then send me an email at humphreytalks🤍gmail.com. I try my best to reply to all e-mail but sometimes I do not have enough time to respond to everyone. PS: I am not a Financial Advisor, any investment commentary are my opinions only. Some of the links in this description are affiliate links that I do receive a commission for & they help support the channel
#banks #savings These are the top 6 High Yield Savings Accounts of 2023 - Q3 Top Bank Offers: 🤍 Ally Bank American Express Citi Bank Capital Once CIT Western Alliance Top Travel Credit Card 🤍 Best Card for Rent 🤍 Favorite Amex Credit Card 🤍 Top Beginner Card 🤍 Top Gas or Grocery Card 🤍 Favorite Business Credit Card 🤍 Top Credit Card Offer: 🤍 Financial Planning: 🤍 Best Bank Bonuses: 🤍 0:00 Intro Advertiser Disclosure: Some of the card links and other products that appear on this website are from companies for which John Liang will earn an affiliate commission or referral bonus. John Liang is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as [comparecredit.com]. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. tags: top bank account, bank accounts, best bank accounts
Where does your money need to go after you get paid? This video is about the 6 Places where your money should go - to save money and invest! 🖌 Links: 🐪 Hump Days Newsletter ➭ 🤍 ▶️ Join the Patreon Community ➭ 🤍 🗞 Follow My Twitter ➭ 🤍 👾 Personal Finance Discord ➭ 🤍 🖌 Free Stocks: ► WeBull (Get 7-12 Free Stocks worth up to $30,600 when you deposit at least $0.01) ➭ 🤍 ► Moomoo (Get 5 Free Stocks valued up to $2500 each) ➭ 🤍 ► Public ($10 Free Stock) Investing App ➭ 🤍 ► Robinhood (Free Stock Valued Up To $250) ➭ 🤍 Today I wanted to walk you through step by step exactly where I think your money should go whenever you get paid. I think that a lot of people get confused as to how they should be allocating their money when they get paid - and honestly if you just follow along with the steps outlined in this video, you could find yourself in a way better financial situation in the future. Step 1 is contributing to a retirement account, but before I even talk about that, we need to first address that most people don't even get to Step 1 because most people just have their pay, when they get paid - going into their checking account. And then they spend their money - whether that be needs, wants, investments, debt payoff, all out of one account. This is not the best approach because it's not a proactive approach, it's more of a reactive strategy and that's one we want to avoid for financial independence. And this is exactly what I used to do as well, so there's no shame in being here, but lets talk about how we can get better. Step 1. We want to be sure that a percentage of our paycheck before it even hits our account is being set aside for retirement. Step 2. The money finally hits your Checking account. Then it can go a few places... Step 3. I guarantee you haven't heard of this, it's a fund I've called "The Overhead Fund". - Essentially its a fund for all of your NECESSITIES in life - rent, utilities, groceries, insurance, car payments, etc. - THIS IS NOT an EMERGENCY fund, I'll talk about this next. - Rather, this is a fund that you only use to operate your necessities, and it's also a fund that I think you should try to save around 3-6 months of NECESSITY expenses in. - Ideally you know your monthly recurring expenses down to a number, and you save a portion of your paycheck toward this fund - I like using an Overhead Fund for this as a separate account, and I would suggest allocating most of your paycheck into this fund and your emergency fund until they're established. Step 4. Your Emergency Fund. Ideally this is an account that you DO NOT touch unless, for EMERGENCIES. Most people suggest 3 months of living expenses for an emergency fund. I would suggest 6 months of living expenses for your emergency fund, but that's just because I like to be on the safer side. Step 5. Paying Off Debt If you have any high interest rate debt, you want to start putting a dent in that as well before moving on to Step 6. High interest rate debt would be anything over 10% in my opinion, but you could even make an argument that even 5-6% is high interest rate debt since its hard to easily beat that interest rate using investments. Step 6. Investments! This is where it gets fun. The money that is going into this investment account, it can really flow to a lot of places. Within this account you are hopefully breaking down any money that you may have into different investments for a well-diversified investment portfolio. These type of investments include: - Portioning off some cash for a real estate fund - a Fun fund for vacations, dream cars, - Investing in a Roth IRA or Traditional IRA for more retirement funding - Shorter term investments like stocks, bonds, dividend portfolios - Cryptocurrency - Precious Metals, Collectibles, etc. ▶️ My name is Humphrey Yang, I've built multiple businesses and am passionate about Personal Finance. If you're trying to build a solid foundation of financial literacy, learn to invest, or become financially free - then I'm here for you! This channel cover topics like getting out of debt, managing money, building credit, multiple income sources, passive income, etc. 📧 Contact: If you have a question feel free to leave me a comment on my videos or follow me on IG and send me a DM! If you have a business related inquiry, please then send me an email at humphreytalks🤍gmail.com Disclaimer: I am not a financial advisor, any investment commentary are my opinions only. Some of the products and services that appear on this channel are from companies that I have an affiliate relationship with, such as Robinhood, for which I recieve a small percentage made via those links, but it doesn’t cost you anything extra!
Savings Challenges keep me on track financially in every way! Everything available in my shop! #baddiesandbudgets #cashstuffing #budgetbinder #howtosave #whataresinkingfunds #whatiscashstuffing
Hi, My name is Kerry, and I am 28, living in our own home with my fiancé and 2 kids. This is our cash stuffing and budgeting journey, which helps us financially prepare for upcoming events, bills, and savings to add to our home. Please feel free to leave a comment with any questions as well as give the video a like. 🙂 ♡ MY SOCIALS ♡ ▪️Instagram name: Budgetwithkerry ▪️Email: BudgetwithKerry🤍hotmail.com ▪️🤍 We also have 'buy me a coffee' if you would like to buy us one, we really do appreciate it. ▪️ 🤍 ♡ REFERRALS ♡ ■Attapol Referral - 🤍 ▪️Attapol code - qhvne Get 40p when you use my code 🎉 ■Monzo - We both get £5 if you use my referral, sign up & use your card for 1 payment (no minimum)! ▪️🤍 ♡ Channels I've mentioned ♡ ■A day full of budget 🤍 ■Mrs B Organised 🤍 ■La Belle UK 🤍 ■Budget with Siân 🤍 ■Charls Cash Budget 🤍 ■My Budget Diaries 🤍 ■That Budget Lux 🤍 ■Nassy B Budgets 🤍 ♡ Etsy Stores Mentioned ♡ ◾️Iris Budgets: 🤍 ◾️Saphiras Digitals: 🤍 ◾️WhatIfIFly17 🤍 ◾️Scottish Highlander on a Budget 🤍 ◾️Budget with Ira: 🤍 ◾️La Belle - Envelopes & Bank envelope 🤍 ■Little Love Co Budgets 🤍 ■Budget with Chey 🤍 ■Luna Lolly 🤍 ■Grounded Budgets 🤍 ■My Money Matters 🤍 ■Queen Bee Makes 🤍 ■PlanBudgetRepeat 🤍 ■Studio Budget Co 🤍 (Kerry15) for 15% off ■That Budget Lux 🤍 ■Budgets & Dreams - Jen 🤍 ■Budget with Abbie 🤍 ■Lazy Flamingo Design - Tammy 🤍 ■Save with Sophie 🤍 ■Dingley Designs 🤍 #cashstuffing #cashstuffinguk #budgetjourney #budgetbinder #100envelopechallenge #savingschallenge #cashenvelope #savingschallenge #pennychallenge #budgeting #budget #frugal #savings #cashenvelopesystem #scottish #Scotland #cashenvelopemethod #daveramsey #savings #money #cash #de #savings #journal #budgeting101 #debt # #cashstuffing #money #personalbudget #budget #budgetplanning #journaling finance #financiallyfree #challenge #cashenvelopestuffing #money #moneysaving
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Bank certificates of deposit are paying as much as 4 and 5% now, but there are some catches you need to know about. 🤍 #cds #bank #certificateofdeposit #finance #personalfinance #7onyourside #abc7news
This saved me $10,000 in one year! Saving $10,000 can seem daunting but these are some steps to save money fast. Check out my FREE eBook 50 Ways To Improve Your Finances By 1% 🤍 If you are looking to save money on your monthly phone plan or a new phone, check out my partner Mint Mobile for some of the best rates: 🤍 Join my course Financial Minimalism 🤍 Get up to 12 free stocks valued up to $30,600 when you open and fund a new account! Get started 🤍 Join me on Yotta using my referral code GABE and we’ll both get 100 tickets. Yotta is an FDIC insured savings account recently featured in Bloomberg and Forbes where you can win prizes up to $10M every week. 🤍 Follow me on Snapchat 🤍 Instagram: 🤍 My Podcast 🤍 🤍
From the 52-week savings challenge through to the 1p challenge, I'll take you through some of the best ways to motivate yourself to build some extra savings. Depending on the one you choose you could have hundreds, even thousands of pounds built up by the end of 12 months. But I also look at the pros and cons, and share hacks and tricks to help keep you saving. And I'll discuss some alternative ways to save with very little effort that could be just as good. W A T C H N E X T * Savings Updates 🤍 * Monzo and IFTT savings hacks 🤍 * Plum review 🤍 READ Are savings challenges worth it? 🤍 #SavingsChallenge #52weekmoneychallenge #1psavingschallenge 00:00 What are savings challenges 01:05 The best savings challenges 04:40 Pros and cons 07:10 Tricks and hacks 10:37 Alternative: AI auto-savings 12:24 Alternative: Spare change and round-ups 14:00 Alternative: Pay yourself first 15:40 Where to save your money MORE S U B S C R I B E 🤍 N E W S L E T T E R - 🤍 (You'll also get a free Quidco bonus for signing up) T W I T T E R - 🤍 I N S T A G R A M - 🤍 F A C E B O O K C O M M U N I T Y - 🤍 B L O G - 🤍 A B O U T A N D Y Andy Webb is a money blogger and journalist. He runs the award-winning website Be Clever With Your Cash, hosts the Cash Chats podcast, presented Channel 5’s Shop Smart Save Money and writes every month for Reader's Digest. Andy also founded the community ukmoneybloggers.com. DISCLAIMER Content in these videos does not constitute regulated financial advice. Any offers mentioned were correct at the time of filming.
i stopped buying a bunch of over the past few years as ive been trying to save more money and live as a financial minimalist. these are some of my top weird money saving hacks. Go to our partner Mint Mobile 🤍 to get premium wireless for as low as $15 a month Check out Webull to 1. Get up to 12 free fractional shares when you deposit $100 with Webull! 2. Get 5.0% APY on Webull Now! Get started 🤍 Check out rocket money here 🤍 10% off the Finishers Journal. 🤍 With code GIFTFROMGABE Follow me on Snapchat 🤍 Instagram: 🤍 My Podcast 🤍 🤍 00:00 Intro 00:10 Trick Youtself 01:03 Your Time Is Money 01:46 Move Over The Last Digit 02:36 Reoccurring Expenses 03:10 Mint Mobile 04:16 Be A Weirdo 05:22 Two Tiered Money Goals 06:37 Do The Math 07:36 30K Waste 08:31 ONCE A WEEK RULE
How much money should you save every month to afford to retire and never have to work again? ☕️ JOIN MY PATREON - DISCORD, BONUS VIDEOS, TARGET PRICES, MODELS & MORE 🤍 💵 GREAT INVESTING APPS I USE Webull (UK) - Get up to 4 free shares worth $2,000 🤍 You will get 2 free fractional shares after signing up and making any deposit and another 2 if you complete a trade in the first 30 days. Webull (US) - Get up to 12 free shares, each worth $3 to $3,000 🤍 You will get 12 free fractional shares when you deposit any amount after creating your account. INTERACTIVE BROKERS (Global - Main investing app I use) 🤍 Trading 212 (UK & Europe) - Get a free share worth up to $100 🤍 You need to sign up and make a deposit within 10 days to get a free share. Lightyear (UK & Europe) - Get a $10 Bonus for signing up 🤍 You need to use promo code "Sasha" and the bonus is awarded after your first trade. DISCLAIMER: Your capital is at risk. You may lose money on your investments. DISCLAIMER: Some of these links may be affiliate links. If you purchase a product or service using one of these links, I will receive a small commission from the seller. There will be no additional charge for you. DISCLAIMER: (For Lightyear affiliate link) The provider of investment services is Lightyear Financial Ltd for the UK and Lightyear Europe AS for the EU. Terms apply: golightyear.com/terms. Seek qualified advice if necessary. Capital at risk. DISCLAIMER: Trading 212 provides execution-only service. This video should not be construed as investment advice. Investments can fall and rise. DISCLAIMER: I am not a financial advisor and this is not a financial advice channel. All information is provided strictly for educational purposes. It does not take into account anybody's specific circumstances or situation. If you are making investment or other financial management decisions and require advice, please consult a suitably qualified licensed professional.
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🌟 Amazon Storefront! Get your planners and other budgeting supplies here! Https://🤍Amazon.com/shop/Beautifullymeandyou 🌟Etsy store! Get your scratch-of challenges here! 🤍 🌟 Sign up for Fetch with my referral code "D83BJ" and get 2,000 points when you snap your first receipt: 🤍 🎉Free Back-to-School Tracker 🤍 Free Penny Challenge Download: 🤍 🌟Free Budget Tracker download: 🤍 💎Facebook group 🤍 🌟Need royalty-free music for your YouTube videos 🤍 ☕️Buy me a coffee Cash.app/$Beautifullymeandyou 00:00 Welcome 01:30 What supplies are needed 03:52 Making the trackers 12:00 Making the envelopes 24:52 Pack an order with me 26:53 Thank you and goodbye HOW TO MAKE A SAVINGS BOX! SAVE OVER $2500 DOLLARS! EASY SAVINGS CHALLENGE! #savingschallenges #100envelopechallenge #cashenvelopestuffing #cashenvelopes Some links are affiliated with amazon affiliate accounts. If bought through the link, there is no additional charge to the buyer, but I receive a small commission based on products. _ BUDGET PLANNER REVIEW! BUDGET PLANNER 2023! EASY CASH BUDGET PLANNERS! A LOOK INSIDE! #EASYCASHBUDGETPLANNERS #BUDGETPLANNER2023 #BUDGETPLANNERREVIEW
Welcome back to an episode of Finance from Scratch — where we learn finance concepts, from scratch. In this video, we'll be talking all about SAVINGS. 📌 Get higher interest on your savings with GoTyme Bank and get a chance to win free flights and Fly Free for a Year. Learn more at 🤍 Saving is one of the PILLARS in personal finance. It’s a pretty basic concept that some people struggle with, but it’s important to master this skill to help you manage your money and set you up for financial success. We’ll be talking about a lot of things: First, we’ll define WHAT savings is, then we’ll talk about WHY we need to do it, then we’ll talk about HOW you can start saving, as well as some tips and systems to help you reach your savings goals! 📚 Additional Resource: The Shockingly Simple Math Behind Early Retirement 🤍 This is Finance from Scratch: a new series where we'll talk and learn about finance concepts from scratch! Guaranteed — Beginner bobo friendly 👌✨ We’ll cover the stuff I talked about more in-depth in future videos. Share your thoughts, comments, and feedback in the comments section!! What do you think of this new series? What other topics do you want me to cover? 💰 Previous episode 🤍 If you want to work with me, help me, or collaborate with me in making this series the best it can be, reach out to me through email! I'd love to explore potential ways we can work together 🍞 Email: alba.nicoleee🤍gmail.com 💳 Apply for Citibank Credit Cards Rewards 🤍 Simplicity+ 🤍 Cash Back 🤍 Note: The section above contains affiliate codes/links, which means I may get a reward when you use them. Don't worry, there's no additional cost to you, but these help support the channel. So, thanks in advance 💙 🕰TIMESTAMPS 00:00 Introduction 00:49 Video Outline (what, why, how) 01:57 Important Disclaimers 02:21 WHAT is saving? 02:46 Important Investing Concepts: Savings vs. Investing 05:12 Important Investing Concepts: Savings Rate 07:19 Important Investing Concepts: Reduce Expenses & Increase Income 08:11 WHY do we save: Lessen financial stress & anxiety 08:46 WHY do we save: To plan for short-term & long-term goals 09:14 WHY do we save: Financial Freedom 09:34 WHY do we save: Savings are financial building blocks 09:57 HOW do we start saving: When and Where 09:57 HOW do we start saving: Regular vs. High-Interest Savings Account 09:57 WHERE do we save: GoTyme 12:19 HOW do we start saving: Actionable Steps 14:55 What do you think of this series? Comment thoughts & future topic requests! 🤝 Where to find me Facebook 🤍 Instagram 🤍 TikTok 🤍 🚀 Subcount: 443,488 Guide to SAVINGS for BEGINNERS (what, why, how) | Finance from Scratch 💰 Finance from Scratch / Learn Personal Finance for Beginners / Personal Finance Philippines / How to Personal Finance / Step-by-Step Personal Finance / Financial Literacy / Financial Education / Financial Education / Easy Guide to Personal Finance / How to Save Money / Savings Account Philippines / Filipino Guide to Savings 101 / Personal Finance 101 FTC: This video is sponsored by GoTyme Bank Disclaimer: This video is NOT financial advice. Form your own opinions so that you can properly decide on what to do with the information you learn from this video.
With savings rates now at the highest level in 14 years, should we be focusing on cash savings instead of risking our money in the stock market? Buy Huel using this link: 🤍 The brokers I use: InvestEngine 🤍 Get a £25 bonus when you invest at least £100 Trading 212 🤍 If you do not get your free share after depositing £1. Use promo code DAMIEN, you will find it in the section with the three lines in the bottom right corner of the app. Vanguard 🤍 This is not an affiliate link Links from this video: Ramin's video: 🤍 The MM fund I currently buy: 🤍 Best Savings accounts: 🤍 🤍 Research materials: 🤍 🤍 🤍 🤍 🤍 Timestamps: 00:00 - Jim 00:32 - 94 years 01:32 - Huel 02:54 - The chance cash wins. 06:15 - Inflation 08:25 - MM fund 10:25 - Savings account
TIGHT BA BUDGET MO? Di mo na alam kung ano ang tamang diskarte? Sagot kita! You have to finish this video to find out more! Get your FREE Piso Planner today! Click here: 🤍 Please subscribe and watch the Diary of Pulubi Animated Series on my 2nd Channel To subscribe click here: 🤍 0:49 negative effects ng walang budget 0:52 increased anxiety 0:59 limited opportunities 1:06 difficulty achieving goals 1:13 bad financial decisions 1:42 do you have a tight budget? watch here 1:58 1st tip 2:24 divide to 2 section 2:51 avoid this "wants" 3:02 prioritize these "needs" 3:11 2nd tip 3:30 iponaryo shoutout! 3:35 check out or new youtube channel! 4:05 3rd tip 4:26 learn how to haggle 4:56 4th tip 5:30 5th tip 5:58 6th tip 6:33 check this planner that will help you with your money! 7:15 bloopers! 7:46 shoutout ka-iponaryo! #iponaryo #chinkeetan #bawatpilipinoayiponaryo #chinkpositive #wealthy #helpingtobecomedebtfree #pambansangwealthcoachngpilipinas #money #rich #financialfreedom #savings #budget Watch our playlist! EARN: 🤍 GROW: 🤍 MANAGE: 🤍 PROTECT: 🤍 Lockdown Series: 🤍 Yamant Tips: 🤍 Latest Upload: 🤍 #PambansangWealthCoachngPilipinas #Helpingtobecomedebtfree #wealthy #BawatPilipinoayIponaryo #Iponaryo #ChinkPositive #ChinkeeTan - Follow Chinkee Tan Everywhere to become wealthy and debt-free - Get updated daily! Subscribe to Chinkee Tan’s Youtube: 🤍 For marriage and relationships, subscribe to my 2nd YT Channel HAPPY WIFE, HAPPY LIFE: 🤍 Check out Chinkee Tan’s shop: 🤍 Enroll in Chinkee Tan’s online courses: 🤍 - Chinkee Tan on Social Media - Facebook page: 🤍 Instagram: 🤍 Viber Community: 🤍 Twitter: 🤍 Tiktok: 🤍chinkeetan *For bookings and collaborations, message our official FB page: 🤍 or email me at ctechtrading26🤍gmail.com
Go to our partner 🤍 (affiliate link) to get premium wireless for as low as $15 a month - sign up before July 14th to get 50% OFF the Unlimited Plan. Limited time offer. Limited time offer. New activation and upfront payment for 3 mo. service required.Taxes & fees extra. Unlimited plans using greater than 40GB/mo. will experience lower speeds with video streams at ~480p. Restrictions apply. See terms here. AFFILIATE DISCLOSURE: Links included in this description may be affiliate links. We participate in the Amazon affiliate program and several other affiliate programs, as well. If you purchase a product or service with the links that we provide we may receive a small commission. There is no additional charge to you. In this video, we share some really simple ways you can reduce your expenses and build savings - fast.There are a LOT of reasons that you may need an influx of cash. Prices ARE rising and you overspent. Your emergency fund has taken a beating with unexpected expenses. Maybe, there are some goals which will need to be met sooner than you thought. Whatever the reason, you'll find practical frugal living tips in this video for cutting expenses, and building savings. //GET OUR MENU PLANNING FORMS: 🤍 DISCOUNT, COUPON, AND BROWSER EXTENSIONS WE RECOMMEND: ○ Honey: (Coupon Browser Extension) :🤍 ○ Rakuten: (Cash Back!) 🤍 ○ Fetch: (Upload Receipt to Earn Gift Cards): USE MY REFERRAL CODE: 3FUV4U at 🤍 ○ Graphic Artist: Our Logo design is by: Sarah Hallam, graphic artist:, contact her at: polaroidsandpens🤍gmail.com. ○ Mailerlite - 🤍 //TIP JAR: Want to send us a special "Thank You" for our content? Here's our PayPal email address: underthemedian🤍gmail.com //WATCH MORE MONEY-SAVING VIDEOS: ○ Use the 10% Challenge for Cutting Expenses: 🤍 ○ My $100 Grocery Budget Experiment: 🤍 ○ Unlock the Secret to Saving $100 More Each Month: 🤍 //SHOP OUR E-BOOKS: 🤍 //COME SAY HI! Our website: 🤍 Facebook: 🤍 Instagram:🤍 //ABOUT: We're Hope and Larry and we love practical frugality. We raised our four sons, debt-free, including paying cash for our home when our income was well under the national average. For tips on saving money, budgeting, paying off debt, and setting goals (while living with a spirit of joy and abundance), subscribe to us here on YouTube and visit us at our website and on social media. Information on Under the Median represents our opinions only. We are not medical doctors, medical professionals, nutritionists, or investment professionals. All content found on Under the Median is intended for informational purposes only. Please be sure to exercise due diligence and always contact a professional with any questions you may have regarding any information you have seen or heard on our YouTube channel. Use caution when following instructions in this video. The creator and publisher of this video will not be held responsible for any adverse effects that may arise from the use of any method on this channel. //CONTACT: For all inquiries, please use this email: hope🤍underthemedian.com
If you re serious about saving money then you need a checking account and a SEPERATE savings account. 🤍TimothyWard #savemoney #moneytips
🐪 Hump Days Newsletter ➭ 🤍 In this video we explore how much of your paycheck you should save every pay day, and what savings rates among different income levels are with data. Years to Financial Independence Calc: 🤍 🤍 Sept 2022 Report: 🤍 FREE STOCKS: 🏆 WeBull (Get 6-12 Free Stocks worth up to $30,600 when you deposit $100) ➭ 🤍 🎓 Public ($10 Free Stock) Investing App ➭ 🤍 ✍️ Free Resources: 🤍 RESOURCES: ▶️ Join the Patreon Community ➭ 🤍 🐪 Hump Days Newsletter ➭ 🤍 💳 My Favorite Credit Cards ➭ 🤍 FREE GUIDES: 🌪 Investing 101 PDF: 🤍 🌊 Stock Market for Beginners PPT: 🤍 PERSONAL LINKS: 🎥 My YouTube Setup ➭ 🤍 🌍 Rickie (Editor) ➭ 🤍 🗞 Twitter ➭ 🤍 📸 Instagram ➭ 🤍 🚀 Tik Tok ➭ 🤍 Timestamps: 0:00 - Start Here 1:25 - Savings Rate Over Time 2:40 - Savings Rates by Income 3:58 - A Handy Tool 4:24 - How Much Should We Be Saving? 6:33 - Your Savings Goal 7:50 - How to Actually Save More 8:49 - What If I Have No Savings? 9:47 - A Caution 11:15 - How To Make More 12:15 - Savings By Age 12:52 - Net Worth By Age 📧 GET IN TOUCH: I'd love to hear from you! If you have a longer question, or if you have a business related inquiry, please then send me an email at humphreytalks🤍gmail.com. I try my best to reply to all e-mail but sometimes I do not have enough time to respond to everyone. PS: I am not a Financial Advisor, any investment commentary are my opinions only. Some of the links in this description are affiliate links that I do receive a commission for & they help support the channel