You are now in the adult period of your life where each day is SSDD. Add a child or children in the mix and it can be even more tiring/boring/stressful. Make sure you are saving as much as you can for retirement so you can retire earlier than 62 or FRA and so that you won't have to worry about income/working. Love on those cats for stress relief.
I've been wanting Botox so thanks for shouting out the place you went to since I live in the same city as you. I go back and forth on wanting it because of the cost and wanting to be debt free lol
Where are these high yielding savings accounts? I have a credit union account that gets me nothing, and don't get me started on Chase. it's a joke. So someone please tell me which banks/ credit unions have HYSA's. Serious question.
I really find your channel inspiring! Especially since I know you have a long commute to work and work full time. I had to long commute to work once and also a long commute to grad school, so I know how tiring that can be. I want to start a channel of my own and it’s promising to see people who are super busy still making time to do a channel.
It’s really not. There’s a whole community of people online who are all about budgeting and encouraging each other to pay off debt and save save save. I got into it a couple years ago and I’m a single gen z bar tender who just bought a house on her own. So, if you’re not involved in it, it probably seems weird, but it’s actually kind of cool!
I know working on paying off debt is not easy!! I have $27,000 in debt! You are doing a great job! I will be out of debt July 2025 according to my budget! 🙏
I also drive a lot for my job. I use the app upside. It gives you discounts per gallon for ⛽. The money loaded on your app can be cashed out to your bank account or gift cards! It is the best app!! 😁
Great monthly reset! I definitely had to cut back on my takaway coffee as it was costing me a small fortune (like 300/month) 😬 I now make my coffee at home most days and usually 'treat myself' once a week. I'm able to actually save that difference and its so helpfull! Do you mind sharing your screen sharing platform?
pay off the debt. anything that subtracts from your net worth is not copastetic to your goal. if you paid in full you would eliminate the cc debt bill that comes in and increase your net worth by however much you pay in cc debt bills per year! ive never not paid my cc debt in full each month so the cc rewards make cc a good thing. if you have even 1 bill from a cc saying you owe interest you are using your cc not like a rich person would. 100k is also a finacial mindset in order to STAY at 100k.
You should pay off the cars and credit cards before saving for a house or putting money into retirement. That interest rate on those I highly doubt is less than what you’re making in interest on the saved money. Especially if the house money isn’t in a HYSA also. Your losing money every month even if your saving it while you have debt. The car payments could possibly be less if they are under 4-5%, but definitely not the credit cards.
@@PrismaticPixie I disagree with not contributing to retirement, I feel that is necessary and also the house money is in a HYSA and it’s also me and my husbands money from our wedding and that’s what we’ve decided to save it for! My cc was at 0% for 18 months as well
@allisonmccarthy57 from a math perspective once your CC interest rate kicks back in, you need to pay it. If you are getting an employer match that is one thing. But your CC debt will accrue interest faster than a retirement account will grow, that also sidesteps the fact paying your cc is garunteed roi of whatever the apr is. Which means you will be losing money for retirement overall, since you are stuck paying towards interest.
I think it's great you are tracking this. $100k is a great short term goal. Getting $100k in investible assets is when things start to snowball a bit. Just curious, why would you have money in a savings account when you have $4600 in credit card debt? Unless that is just the current balance that you pay off before interest accrues on it. Also, your house account is a joint account. Are you married and the other accounts are not joint accounts? Are you just listing out your personal assets?
@@athenaabarnes I think if you have anything of a good brand you should try and sell it yourself first on poshmark or depop or something. Plato’s closet definitely doesn’t give you that much for the stuff but it’s nice to get rid of a chunk of clothes and saves you the time of listing everything and shipping it
Pay off the debt. I was going to say you can't count the joint account as your net worth because the money is not "your's" but your married?! Mentally/money-wise you don't seem married. His debt is your debt too, and your debt is his debt. Your retirement is his retirement. Seriously have a Sunday set aside for shared money vision planning, another Sunday for trust/will/estate planning. Consider an app like You Need A Budget or Every Dollar for you and your husband.
@@allisonmccarthy57Interesting. Just pray you don't get snowed in for wny length of time. I live in earthquake country. Even when I was single, I had spare supplies in the house that was shelf stable. Now much different. It is 15 animals. Food, water, medicine for all of us and outdoor camping equipment if we can't stay in the house. Hurricane did record breaking damage. I have friends in the south. My best friends and all the homes have no electricity, no water, horrendous storm damage. They are being told three weeks minimum. Can't go to the store, if one can get through. So far the grocery stores are not handing the perishables. Can't get gas, needs electricity. Can't pay, needs electricity. A year ago, maybe two, a popular ski area got dumped on. People were trapped for days. And some died because they were not prepared. Don't want that to be you. ❤! One doesn't have to go overboard, a few gallons of water and a small supply of canned goods have a decent shelf life.
@@carlajoyswan so the money in my HYSA is my emergency fund, I like to have a little buffer incase of emergencies and also some tax money because I think I’m going to owe on my taxes, if I don’t use all that I’ve saved for taxes I will put the rest towards debt! And then the house fund is money my husband and I have been saving and what we got for our wedding, so we’re just hanging on to that for now!
What kind of interest rates are the car loan and credit card? You might be better off paying those down before starting to save for the big things like the wedding.
. Do the chicken but add in cauliflower instead of pasta or zucchini noodles! Pasta is cheap and filling but making small replacements won’t hurt the budget.
The whole breakfast could have been made at home and & hubby could do that oil change at home. You could have left off that one more Halloween decoration
Does that include the fees for disposing of the old oil? I know how to change my oil, I choose to pay as they do the work in a matter of a few minutes whereas I would take me a lot longer. As in go to work the time it would take.
If I eat what you eat every day, I would gain so much weight. I eat a lot of fruits, veggies, chicken and turkey. The money you spent going to concert, you would get better food. More protein and less carbs.
