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2025 Financial Goals|Starting Over|Transparency From a Low Income Earner 

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9 окт 2024

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Комментарии : 65   
@tracielder3772
@tracielder3772 2 дня назад
Don't beat yourself up about your current situation. You and your kids have a roof, car, food. Your blessed in the space you at. Change will come
@CoffeeNBudgets
@CoffeeNBudgets День назад
@@tracielder3772 Thanks so much sis🧡! I know we are truly blessed. It’s been much worst before, so I’m very thankful🙏🏽
@thehopefulbudgeter
@thehopefulbudgeter 5 дней назад
Heyyy boo. I’m locked in. 🎉❤ Happy Friday!! 🍷 that intro was WILDDD! 😂🤭😜 Here for it. TY for being vulnerable and opening up. Please don’t EVERRRRR be embarrassed about your situation. Incase you don’t hear it enough you’re an AH-MAZING Mama!! ❤ You Got this!!! 🎉🎉🎉 praying for you, sis. Goals for 2025: just stop shopping every day. Literally. Period. 🙏🏽
@CoffeeNBudgets
@CoffeeNBudgets 3 дня назад
@@thehopefulbudgeter Thank you lady. Girl you got this. That instant gratification will get us every time. Just look and walk away🤣
@thehopefulbudgeter
@thehopefulbudgeter 3 дня назад
@@CoffeeNBudgets mmm hmm…spiritual warfare is real tho. 💯 I literally shopped this entire year up until September. I’m so OVER myself. 😒🙄😩 we definitely got this! Last 3 months til 2024 is over, let’s make it RIGHT. 🙏🏽
@DebtFreeKay
@DebtFreeKay 5 дней назад
Hey Clarissa! You should never feel like a failure for providing your kids with what they need. Of course, it’s fine to want better for yourself, but please don’t beat yourself up about the past, especially if you were doing the best you could. Supporting a family isn’t easy, especially with the way the economy is set up right now. Inflation has been kicking all of our butts, so I can only imagine how much harder it must be on families. Those babies have a roof over their heads and food in their bellies. Never feel ashamed of that! I’m rooting for you, girl!! 💕
@CoffeeNBudgets
@CoffeeNBudgets 3 дня назад
@@DebtFreeKay Thank you Kay. And they don’t ask for much it’s mainly me wanting to give them the world. They’re understanding of our budget. But an increase in income is still needed🧡
@Cherryofmiami
@Cherryofmiami День назад
Great video ! “Motivation gets you started, discipline keeps you going.”
@CoffeeNBudgets
@CoffeeNBudgets Час назад
@@Cherryofmiami Always🧡
@BoopnBudgets
@BoopnBudgets День назад
Aw, Clarissa! 😢 Please know we ALL made money mistakes. You’re not alone. Forgive yourself, stay up and handle your business. You got this! You love your kids, and THAT is priceless! They’re your “why” in this journey and you will thrive and succeed! You took the first step! That’s the hardest to do. If it makes you feel better, I AM the dishwasher in my house! 😂 Stay positive, focused and motivated and you will get there! Be patient with yourself! Sending you big hugs with lots of love and support ! 🤗 ❤
@CoffeeNBudgets
@CoffeeNBudgets Час назад
@@BoopnBudgets Thank you so much for this Irene🤗! Those paper plates and plastic ware come in handy on the weekends🤣
@Termecia
@Termecia 4 дня назад
Clarissa, please stop being so hard on yourself! Your kids have a loving environment and I promise you that means more than what they don’t have. My mom has 10 children and even though we struggled growing up we remember the good times we had not all the logistics of what our parents couldn’t provide for us! ❤️❤️❤️❤️❤️❤️❤️❤️❤️
@CoffeeNBudgets
@CoffeeNBudgets 3 дня назад
@@Termecia Thank you so much T😊. Wait 10?! I only got 3. Let me chill🤣. But we really do be having a time in this apartment just laughing it up🤣🤣🤣
@jbs2cents596
@jbs2cents596 4 дня назад
Clarissa you are doing a good job! Your kids have a roof over their heads and are loved. Thanks for being so vulnerable with us. 😊 some of my goals for 2025 is start paying off our household debt and save more money in our sinking and savings account.
@CoffeeNBudgets
@CoffeeNBudgets 3 дня назад
@@jbs2cents596 Thank you Jenelle🤗🧡. Yes to paying off debt girl🔥
@budgetfor5withstephanie
@budgetfor5withstephanie 3 дня назад
Hi Clarissa, great job making plans for 2025! Thank you for being so open! It's so hard not to beat ourselves up for past "mistakes" . You're doing the best u can w what you have! I think if u want to go back to school changing jobs to the hospital will be good for u bc of the tuition reimbursement.
@CoffeeNBudgets
@CoffeeNBudgets 3 дня назад
@@budgetfor5withstephanie Thank you Stephanie🧡. I’ll look into that this week.
@britnywadsworth4341
@britnywadsworth4341 4 дня назад
Hey I just wanted to tell you that you are doing a great job ❤ I understand the mom guilt but we have to make sacrifices to become better for our children. I just moved this year with my 6 kids from a 3 bedroom to the 2 bedroom it’s been hard but we are making it. I’m in nursing school and working full time I did this because I look at the brighter future ahead of us !! We got this !! Don’t give up stay strong 💪🏾
@CoffeeNBudgets
@CoffeeNBudgets 3 дня назад
@@britnywadsworth4341 Awww thank you so much sis🧡! This comment actually makes me want to start looking into my career change in the next couple of months. I know if I “wait for the perfect time” I’m only going to prolong it. Praying for you and those babies. You got this mama💪🏽. Please feel free to update on your nursing if you’d like😊🧡
@CoffeeNBudgets
@CoffeeNBudgets 3 дня назад
@@britnywadsworth4341 Awww thank you so much sis🧡! This comment actually makes me want to start looking into my career change in the next couple of months. I know if I “wait for the perfect time” I’m only going to prolong it. Praying for you and those babies. You got this mama💪🏽. Please feel free to update on your nursing if you’d like😊🧡
@cashandcolorbudget
@cashandcolorbudget 5 дней назад
Girl!!!!!!!!!! I love this video! Thank you so much for sharing a little bit of your life with us. For being so raw with us and being relatable!❤️. I love this method of getting ahead and not waiting! My goal is kind of the same as you. New career and learn how to budget with 1 income and learn how to live on less. Girl I really like this video. Not me over here about to burst into tears 🥹
@CoffeeNBudgets
@CoffeeNBudgets 3 дня назад
@@cashandcolorbudget Awww thank you Mayra. I feel you on living on less. I’m decluttering at the moment and realizing I have a lot of stuff I don’t even use🫣🤣
@cashandcolorbudget
@cashandcolorbudget 3 дня назад
@@CoffeeNBudgets girl yes!! I say “if you haven’t used it in a year, 2 max it’s out of here” plus it feels so nice afterwards.
@angelashaulssavingsandmore
@angelashaulssavingsandmore 2 дня назад
So Real and Raw and I’m here for it! I was just saying I need to make some changes with my finances and budget. I really enjoyed this video. I don’t know you personally but I love your vibe. I’m pretty sure your children doesn’t fault you for anything. All they is see an Amazing mom doing her thing taking care of us❤❤❤ Keep going sis, you got this!!
@CoffeeNBudgets
@CoffeeNBudgets День назад
@@angelashaulssavingsandmore Thank you Angela🧡! Us being in a small space is still better than nothing! Plus we all play too much🤣🤣🤣. So it’s never a dull moment🤷🏽‍♀️
@rachelledavis3669
@rachelledavis3669 4 дня назад
Love the transparency in the video. You got this. When you ask for a raise know what the average salary is for your position. Sometimes we are in jobs where we are underpaid and don’t know it (I’ve been there). Make sure you have talking points about what you’re doing in your job to show why you are asking for the raise. Praying for you 🙏🏾🙏🏾
@CoffeeNBudgets
@CoffeeNBudgets 3 дня назад
@@rachelledavis3669 Thank you so much for this sis🙏🏽. Will be working on this today🧡
@DreamyBudgets
@DreamyBudgets 5 дней назад
One of my goals is to work on my impulse. And trying to use what I have already.
@CoffeeNBudgets
@CoffeeNBudgets 3 дня назад
@@DreamyBudgets Girl speak!!! I want some new stickers for my Happy Planner so bad but I still got 3 stacks from Hobby Lobby🫣
@managingmonasmoula9811
@managingmonasmoula9811 3 дня назад
Hi Clarissa! Here tuning in 🍂🧡🍁🧡
@CoffeeNBudgets
@CoffeeNBudgets 3 дня назад
@@managingmonasmoula9811 Thank you Mona🧡
@velindaburton4131
@velindaburton4131 5 дней назад
Baby you’re putting a roof over them babies heads and putting yourself in a safe space with people who are rooting for you! I’m locked in ❤❤
@CoffeeNBudgets
@CoffeeNBudgets 3 дня назад
@@velindaburton4131 Yes to being locked in sis💪🏽. Thank you so much for being here🧡
@LoriRenee
@LoriRenee 20 часов назад
Yes we definitely need to show ourselves some grace! Great video❤
@CoffeeNBudgets
@CoffeeNBudgets Час назад
@@LoriRenee Thank you Lori🧡
@ButtercupBudgets
@ButtercupBudgets 5 дней назад
Thank you for sharing, Clarissa! I am 31 as well. We are still young! We can definitely change careers. We still have 30+ more years of working to do. (Unfortunately) 😅 I also beat myself up about how much money I’ve spent. I think I realized when I had already been working for 10 years and didn’t have anything in savings that I had just been living to work. I had nothing to show for all the hours I worked all these years. The past is the past though! We are smart enough and strong enough to do better from now on!
@CoffeeNBudgets
@CoffeeNBudgets 3 дня назад
@@ButtercupBudgets Girl yes. I don’t want to work just to survive anymore. I’ve been investing $10 a week since the beginning of this year into my Roth. I refuse to work forever 😒. We too cute for that😅🧡
@DreamyBudgets
@DreamyBudgets 5 дней назад
Omg. Them kids are happy and they love you. They are grateful. Please the shoulda coulda woulda will tear you up. Be proud you have that 1 bedroom. It’s yours! You pay the cost to be the boss up in there. I’m sending you so much love. I’m Here to watch your journey and see them kids in their own room and to see you proud as hell because you stayed consistent
@CoffeeNBudgets
@CoffeeNBudgets 3 дня назад
@@DreamyBudgets Thank you so much Brittany🥹🧡. I’m just going to start making this place a little more homey and appreciate what I have now. Something bigger is going to come🥹🧡
@DreamyBudgets
@DreamyBudgets 5 дней назад
Babe I’m 2 seconds in and I’m right there with you! Ready to get on the stroll lmao
@CoffeeNBudgets
@CoffeeNBudgets 3 дня назад
@@DreamyBudgets 🤣🤣🤣 I only said that because my daughter asked if I would ever want to go back to those apartments. Girl…hell no😒
@tashad2201
@tashad2201 18 часов назад
I’ll sell some before i go back to hood… felt this so deep. Same honey. Praying for your journey.
@CoffeeNBudgets
@CoffeeNBudgets Час назад
@@tashad2201 Thank you so much for watching sis🧡
@journeytowisdomandwealth2905
@journeytowisdomandwealth2905 2 дня назад
Hi Clariss 👋🏾 thank you so much for your vulnerability and sharing how you got where you are and how you plan on moving forward. You are doing an amazing job NOW.. the past is gone sis we cant live there... Hopefully when u get your taxes next year u can reach most of these goals. That u havent already caught up on during this and next year... 2025 goals have been started but not finalized.. i started planning last quarter lol 😆 😅 😬.. ps. My only advice i have for the raise is to go in prepared ready to staye why you beleive you deserve one.. like new responsibilities etc.
@CoffeeNBudgets
@CoffeeNBudgets День назад
@@journeytowisdomandwealth2905 Thank you so much Tara🧡! I’m working on my bullet points for my raise, but I’m still looking into school and other things considering I already asked twice in 2 years🤷🏽‍♀️. Can’t wait to see what goals you have planned for the last quarter😊!
@journeytowisdomandwealth2905
@journeytowisdomandwealth2905 День назад
@CoffeeNBudgets great job Clarissa 👏🏾
@IDesireeWealth
@IDesireeWealth 3 дня назад
Hey hey 👋👋👋 here watching... I'm doing the same... Getting into 2025 things and attempting to make plans especially for savings /sinking funds now ❤❤❤Selma...whewww I agree everything is going up but the paychecks 😭😭😭😭 ...yesss to getting your ish together. I'm writing things while watching this. No we can't focus on mistakes etc. Move from that and focus on how you will change things going fwd. Still watching yessss ... Girlllll talk about the apartment. 1 brd since 2016 rent still less than 1k. They do fix everything here.. thank goodness. It will get better for you. I'm hoping we can move next year whewww chileee places are extra high here in Nashville tho. ❤❤❤how you talked about all of this. I believe you've gotten so tired of everything... Your going to do well next year...well the rest of this year.
@CoffeeNBudgets
@CoffeeNBudgets День назад
@@IDesireeWealth Yes girl. I’m putting my feet to the grown running. I’m blessed to have a roof over our head because it has been worst for us before🤦🏽‍♀️! But next year the rent will go up for more than what this place is worth.
@IDesireeWealth
@IDesireeWealth День назад
@@CoffeeNBudgets I know you can do it. You got this.Yes next year rent will increase here for me ... I know a new tenant will pay $1,139.00 for the same 1bedroom.
@SaveNStuffwStephanie
@SaveNStuffwStephanie 5 дней назад
22:35 aren't they the ones that prep and sterilize the tools? Great video and you've got this! ANYTHING that's not helping is hindering. Forge on and forgive yourself for the past. ❤
@CoffeeNBudgets
@CoffeeNBudgets 3 дня назад
@@SaveNStuffwStephanie Yes ma’am. And the technician is actually in the operating room handing the tools to the MD🧡
@kendrairvin8350
@kendrairvin8350 День назад
Sis-Give yourself grace, it's not how you start it's how you finish. There is a USDA Direct 502 loan program for low low income folks so you can buy a home for you and your children. You are a great mom because you are trying, and you are young enough to keep trying! Don't give up!!😊
@CoffeeNBudgets
@CoffeeNBudgets Час назад
@@kendrairvin8350 Thank you so much. I would like to purchase a home one day. I just need to get things together and improve my credit. Next time the opportunity comes I’ll be ready🧡
@lifeofcyn808
@lifeofcyn808 День назад
Good video
@CoffeeNBudgets
@CoffeeNBudgets День назад
@@lifeofcyn808 Thank you so much sis🧡
@lindacee2893
@lindacee2893 4 дня назад
👍
@CoffeeNBudgets
@CoffeeNBudgets 3 дня назад
@@lindacee2893 Thank you for being here Linda🧡
@Cherryofmiami
@Cherryofmiami День назад
Praying for you 🙏🏾 I ask that God remove your mom guilt and remove the shame in Jesus name. God can restore you 💗
@CoffeeNBudgets
@CoffeeNBudgets Час назад
@@Cherryofmiami Thank you so much for this sis🙏🏽🧡
@Ms.Frugal
@Ms.Frugal 5 дней назад
Hey stay encouraged and keep going. Please strive not to live with regrets and be hard on yourself. Right now keep pressing on and do what you are doing now to change things around. Love that you are writing your goals down. When we fail to plan we fail and you are already on the right path to achieve the goals you desire. My friend gets in a rut at times and always tell him you can’t change the past but most definitely take daily steps to move forward right now to do what it do to make things better. It’s hard being a single parent. I only had 1 child so I can only imagine with 2. My goal for 2025 is to save enough money so I can get all the home repairs needed. It’s always something after another. This song helps me when I am in a funk so hopefully the words will help you as well. ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-JbEaftzaFWA.html
@CoffeeNBudgets
@CoffeeNBudgets 3 дня назад
@@Ms.Frugal Thank you so much Karen. It’s actually 3 of them😅. The best thing is my kids know we’re on a budget and appreciate us learning about money together.
@Ms.Frugal
@Ms.Frugal 3 дня назад
@@CoffeeNBudgets you are welcome....and just watched today's video...sorry just realized you had 3.
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