How Do I Stop Living Paycheck to Paycheck? 

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I can't pay from india. And I really need this. HELP

I would love to take this class, but struggling financially.

I am on a fixed amount for food, so I can't over spent. I am disabled, but do not drawl disability. I still try to work I hurt a lot and do not have health care

Instablaster.

Exactly. They charge more on the apps for the food and when its delivered it taste like 💩

@@Zeus0886 and usually cold, our delivery drivers are absolute doughnuts, they get lost every time eventhough we live in town and we’ve wasted £25.

Exactly. I started to place and order the other day and all the extra fees was going to cost More than the food. I cancelled and made me a sandwich . Lol

gotta pay an extra $2 in CA now to use uber eats and the rest of the apps

@@evelyndaisy9722 lol the fees deter me from ordering sometimes too.

My wife is happy for me to go grocery shopping. She told me recently that I'm much better at sticking to the list and not grabbing impulse items. I'm more likely to miss something on the list than to get extras.

This! Always!

Hello! Agreed.

Never go to grocery store hungry lol

shop outside the aisles and incaps lol

Truth! Same here.

True! $15 here, $15 there really adds up! Sticking to a budget helps keep that in check.

Online shopping....and car payments.

Good thing restaurants are illegal now

@@michaelwelch442 Yeah. That's one way to solve that budget issue. Shut it everything down. I think I'd rather make my own decisions than have the Gov make them for me though. If they took away grocery stores too I would really save some money! Of course I would eventually die or have to start hunting which is also illegal in most of SoCal.

Lol

😂

How much do u have in debt?

@@panagiotisbotonakis2349 kid has an income problem and his shovel isn't big enough

Beans and rice before practice

Indeed

Yep. Dave has said many times that you can't out earn your stupidity. That's why he has so many callers that make a 6 figure income and live paycheck to paycheck. Listening to some of these callers prove that income in not a problem in most households. It's how they spend their money.

I was on a city bus. A homeless guy sat next to me. Out of the blue he said “It’s not how much money u make It’s how much u spend.”

Exactly ....my dad's statement: "It's NOT how much money you make, it's how you manage your money"

@@diannathornton2911 I see so many people who have no plan and life just happens to them. I just got a new job six months ago. 7 co workers. 3 are massively in debt and Eat out everyday. I want to scream. They make fun of me for eating Oatmeal and blueberries everyday at lunch. LoL.

😂🤣😩 I chuckled honestly

Surprised there wasn't a student loan.

Lol I said the same thing

De-Nile is a river in Egypt

I laughed out load when she said that😂

I realized I was spending $600/month on average on groceries and doing the same. It's absolutely insane! I went out to lunch every day just to get out of the office. Now, I bring my food and take a drive or go walking at lunch I stead

@@mmmarinakis you need groceries. You don’t need fast food

It's like paying to work. now think if you had to pay for childcare and commuting (gas, bus, train)

I just have Eggs on a english muffin and a banana and apple for lunch with water until I go home.

Me too, I was spending 350 a month on convenience store food and fast food at work. No more.

Everyone could use those lessons from a parent!

It’s called cash stuffing. People post it here on RU-vid, it’s so smart tbh

Your dad was paying 400 a month in 1959 wow

Thank you so much for sharing your dads wisdom. I just took a screenshot to remember 💕

O

Lol

But yeah.. that’s what a lot of people do these days... instead of investing

@@stanleyfredrick2735 True.

my closest family member had to use like all her retirement and i hate it....i hope i can help her out soon...

LOL 😆

It's all common sense really. The thing is that it's easier said than done. I always plan on "next week" I'll start putting $50 a week away. By the time I pay whatever bills are due that week and get minimal groceries and if the kids Need anything I'm left with $100 to make it til next pay for gas and God forbid something comes up. I'm never able to save anything and I'm not prepared for an emergency

@@ManiacFitness thats definitely not ideal. But,$50 a week is still $200 a month, or $2400 over a year. Better than not having it aside, thats for sure. You just gotta figure out if you can cut costs anywhere in your life.

they did you just wasnt listening

@@jeepsishumate2021 I can assure you, they did not. "Had I known I was going to live this long, I wouldn't have spent so much money." "That's what money is for son, to spend. You can't take it with you when you die." "I don't care if I break it, I'll buy another one." Quotes from dad. No house owned. No retirement fund.

@@Dagrizzb thats right easier said than done

That's great. Keep it up!

@@markmooserock How much do you spend on food a month?

@@Ryaninsanity Thank you!

How ??

I have similar situation I am messed up...

That’s a great idea.

smart.

I'm doing this now

100% i do this, I also make meal plans so that I have a weeks meals out off the items.

Thats... you do realize you have a calculator on your phone, right? You can just do that in the store???

Yep I’m guilty of this

Too tired to cook after shopping. Ordered out

Order it online and go pick it up

Went grocery shopping after eating. Didn't buy anything. Next day, when I was hungry, I looked in the fridge and checked the cupboard. Had nothing to eat. Always go grocery shopping hungry. 🤣

Correct! Have been guilty of this many times.

Nah

@@user-td7xf3gz4l what's your net worth

Foreal. Ubereats is like $15+ per transaction..... Imagine spending $15 at the grocery store instead, thats a lot more food

@@user-td7xf3gz4l what’s your household income ?

😢

I was doing it, probably still do, ...but a little less.

Fast food was my problem... I cut that out make my lunches at home and realized how much I was spending buying fast food

Yes, eating out can destroy a budget.

IKR? When Dave says it that way it kind of makes you stop and think.

@@leadnsteel1428 this is my problem it’s so hard to change lol

You're not doing anything wrong, you just don't have the required skillset to profit off a down market, folks that are making profit in this market are pros and experts with in-depth knowledge and skillset.

A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.

MEGHAN MAUREEN KRISTENSEN is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance

Cut out Starbucks every day.

Cooking so true pre season meat bag them up bring them out the freezer and cook away.

​@@tommyparkerparker I'm glad I don't like coffee

What is "paying yourself"?

Corner store snacks 😫😫

Something ain't adding up.

That’s exactly what I said.

That can’t be take home of its 72k per year. That’s gross. Maybe 4500 take home more like it.

That’s where having kids messed you up

@@mustlovedess right. I totally get why dudes bounce on their kids for a better life. I probably would too tbh

i def do stupid in grocery stores. Thats my spot

@@jesseenixon2893 not keeping the refrigerator clean makes me throw away a lot of food.

He was talking to me 😬

That’s me🥴😩

Yes! As soon as I used the budget app I didn't realize how much extra money I wasted. And because of that I finally was able to buy my first washer and dryer. I always thought I didn't have enough money to get one.

@@QueenStylin Which budget app do you have?

@@MEDANNY20 every dollar

I agree 100% I budget and track my expenses and it's amazing how much money I save now.

when I budget I realised I have to much bills/expense for my incomes. not to mention I was spending 800$ a week on coke and 200$ on beer 50$ on dip (tabacco) no groceries but 1000$ months on mortgage 1500$ a month on debts and 800$ of gaz per month with all the electricity bills that I didn't paid, my phone that didnt not paid but I was workig 80hrs a week. I thoughts drugs and alcool was the problem in my finance but I realised I need to leave 800$ per pay in my bank account before any personnal money. without overtime hours thats what I make...

He doesn't work for Ramsey anymore

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That’s a good idea!! 👍🏽👍🏽. Every time I go to the grocery store, I say I’m going to be careful how much money 💰 and I wind up spending too much. I’m getting better now.

As long as it works for you, but I like the envelope method

I love shopping online and doing curbside pickup. I saved money because I was no longer doing impulse shopping while at the food store and yes: it helps you to be able to see the total.

Yesssss! I've noticed that as well. I use Target pick up. I really think hard about if it's worth buying or not when online grocery shopping compared to in-store.

I’ve been doing this and it’s great!!! I also don’t have to spend hrs at a dam store. I tell my boomer mother in law to do curbside pick up she tells me that’s just lazy!!! I laugh that’s why your 60 and refinanced your home several times and owe 120k on it and you got it for 70k. I will not take financial advice from you

I noticed that tooo

@@kendolynowi dont know if you are from the midwest, but we have a store called Meijer where over here that does shop and scan, so as you shop you have to scan every item and it totals it out for you as you go, and it really helps to show you how much you spend. But on too of that it clips coupons for you as you go and then you just scan your phone at the end! Its amazing, using the tool more has saved the pennies to make dollars 🤌🏼🤌🏼

yep and cigs if you smoke, alcohol if you drink.

I hear you dude. I’m 30 and wanna make sure I DONT get to that point. Better start now than never

I’ve been payment free for a year and I feel so freakin liberated!!!

my mentor Jenny Pamogas Canaya..

My goal!

I know someone who can't keep a balance on three times that money and they live in Phoenix....you can always spend more.

If someone makes $72k a year and can’t invest some theyre just irresponsible it amazes me how someone can make $70k+ yet have no financial literacy

@@John_Lukas tons of jobs pay that, doesn't automatically mean you are good with money. It's very easy to spend 100% of your income

Don't forget the cigarettes and lottery. Then the alcohol added to it.

@@littleone3357 you forgot tattoos. The 'poor' people always have money for more tatoos.

Amen to that!🤣🙌

Yeah I make 50 k before taxes in Texas but in Cali I would be struggling

You summarized my life I make 22k a year and I have more saving than my friends and they make 100k a year. I tell them I'm always broke so they never invite me to expensive hangout unless they pay for me cause I can't afford it ! (One big emergency and my money gone)

That’s amazing! Where do you live? I’m in NY so everything here is very expensive.

Cost of living is pretty high in Alaska where the caller is from

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Loll

I’m sorry to hear this. I hope your employment and/ or entrepreneurial outlook improves soon.

@@anaiyasmommy1 it's a joke

Funny the first time but you just spam, heard it before in other vids on this channel from you.

Firstly, You could lose it all and you could win it all. It goes both ways. Second, what works for A may not necessarily work for B and you should not be a bandwagon investor. A good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge.

@@Curbalnk Facts!! Since the market became extremely volatile and pressure increased (I should be retiring in 17 months), I took the decision to work closely with a financial advisor. It has already been 9 months and counting, and I have made approximately 600K net from all of my holdings.

@@Shultz4334 That's impressive, my portfolio have been tanking all year, tried learning new strategies to gain in the current market but all of that flew right over head, please would you mind recommending the Advisor you're using.

My advisor is the quite famous *HEATHER ANN CHRISTENSEN* She has been making a fortune online worth millions of dollars in digital assets for a select few for years. Lately, these types of services have appeared that allow you to copy the results of the experts. She demonstrates how to copy it automatically using that system.

@@Shultz4334 Thanks for the info, i found her website and sent a message hopefully she replies soon.

Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

@@caseycantrell-gh6fg However, if you do not have access to a professional like JUDITH ANN PEACE, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments

@@Lourd-Bab Oh please I’d love that. Thanks!

@@caseycantrell-gh6fg Judith Ann peace is her name

Lookup with her name on the webpage.

What about for online purchases?

@@ajsadventures8706 well we try to avoid those as much as possible. But when we do have to make an online purchase or we have to used the debit card for some reason then we will take cash out of the appropriate envelope and set it aside to “cover” the debit card purchase. For example if we spent $30 using the debit card on entertainment then we will take $30 out of the entertainment envelope and set it aside. Then next week when we get out our weekly cash we just take out $30 less and it evens out. Kind of a pain but it works.

Corey Burnett what ever works just stick to it.

But it seems kind of like going back to the past to start using cash again. I mean these days payments are done by just putting your debit card against the machine. Its so easy that you rarely need a pin code anymore. It's like going back to the time when we used paper notes and coins to pay.. seems really weird. Although most places do still accept cash.

I feel like I spend more when I use cash tbh. I want to use the cash method but Im terrified of spending it all. Lol.

Thank you for your comment much appreciated, Be sure to leave a message on the line above 👆 👆 for more helpful information,complains and investment guides 💯💯💯 ⬆️⬆️.

Just add delayed gratification and that's in a nutshell, friends

Moneyology really 😂😂😂😂

if you work more you cant spend. so you are making more and not spending---double win. people spend when they are bored. you should NEVER be bored if you have debt. GO WORK and pay it off.

I've never paid cable. Dad set up an antenna and converter box and most smart TVs these days you can see the local channels. A streaming membership at $14 isn't bad. I'm gone for most of the day to work so not really needing tv so much.

And, then... I return to the grocery store to load up on my favorite snacks! 🙄🤣

@@raallen1468 😂 the very next

Amen

That is interesting! How do restaurants turn profit? Also does going to pubs count as dining out?

@@whereschloevids restaurants do okay tbh, usually they’re at their busiest in the evenings, but overall they seem to survive. And no, that does not include going to the pub, although tbh that’s something which is also dying out in Ireland - pubs aren’t what they used to be outside of the major cities/tourist spots

@@dylanlyons6 That’s too bad about the pubs. From what I know about them, seemed like a nice tradition. The way I grew up (in a major US city) we’d do family dinners out 1-2x/wk at least. (Like Friday night, then Sunday after church.) That habit increased when I was at university (funded by my parents haha), then dropped to once a wk dinner or brunch wi friends when I was a poor post-grad. Once my income leveled out it went way too high, like 4-5x. Too unhealthy and expensive. Now I’m more measured. But I don’t ever remember a time in my life where eating out didn’t feature prominently. It’s like a given here. Since pandemic, that’s just been replaced by ordering takeout

I can tell a difference from living in a rural area and a metropolitan area here in the US. Some family who lives in a city environment eat out 1-2 times a day! I eat out several times a month and have begun to cut back - thanks to Dave

@@whereschloevids For the past 20 years, I cook every day but Sunday. We rarely eat out, usually just on vacation. I was actually surprised to realize a few years ago that I'm rare these days 🤣. I love knowing what's in my food and knowing I'm feeding my family high quality food. And yes, I'm in the US.

Me too!

Eating out is expensive and usually less healthier anyways

Me too girl! I also cancelled my Amazon prime ! We gonna win this year 👍

@@stayathomemarine Amen 🙏 Yes Indeed We Are

I have some friends who are foodies. When I told them the same then they will be like “oh life is short, you need to treat yourself something good” or “that life will be boring not exploring new restaurants ” 🙄

I stopped eating food and I see a difference in my bank account AND my body!

You gotta live

so true that's all I know life of a minimalist

Sami - as a minimalist you are still living you just live with less and better.

@@evelinholmes6401 I'm trying to adapt that concept

Even better, become a minimalist with a high income.

Tru that

Me too now debt free because of his advice.

D/i/a/l/f/o/r/m/o/r/e e/a/r/n/i/n/g W/h/a/t/s/a/p/p me + 1,/9,/8,/0,/3,/0,/0,/4,/5,/3,/4

I'm glad I was introduced to forex trading and got the best teacher and mentor who helped me understand the financial market I'm grateful to Mrs Liam🙏

It's a miracle and I would testify, $110,000 every 4 weeks! I now have a big mansion and can now afford anything and also support God's work and the church.

I have made more than 90K USD God bless Lucy Mary Liam God bless United Kingdom 🇬🇧

Thanks for continuing updates I'd rather trade the stock market as it's more profitable. I make an average of $34,500 per week even though I barely trade myself

Thank you Lucy Mary Liam $45,000 weekly Profit regardless of how bad it gets on the economy.

how do you plan on becoming a millionaire? genuinely curious

By the time you retire $1 million will be pocket change for us think again

Dave’s plan from start to finish guarantees most people will be millionaires in about 10-12 years. Listen to his advice and follow his plan.

He didn’t say he would only have one million. Is he’s starting as young as he sounds, he’ll have several millions. And even if it was one million, it will be “pocket change” most people won’t have. You people screaming *only* a million always make me laugh.

Grandpa Biden will take that away.

Serious!!! Just stop buying! It’s easy. Wake up, work, eat, sleep and do free stuff in between. Not hard at all.

Yaaaazzzzz Ian

I go to the library for my entertainment

Good for you! Glad you can save... From Croatia saving none 🤦 💰

@@flowerpower5585 Thanks, I’m living like a monk, spending money on just the absolutely necessary. This videos help a lot with motivation as well.

I want to move to Portugal one day. I love the place and the people.

@@jadexplores2100 It´s very quiet. The people are not very talkative but they like to be helpful. I´m a native and most of my friends are expats living here! The best is the fact that it is very safe, even during the night. If you move I´m sure you won´t regret it (once this crazy pandemic is over).

@@josemarques8569 Thank you Jose! I am a quiet person too (by American standards though I think lol) so perhaps I will fit in just fine? I am also sure I wouldn't regret a move there since it is such a beautiful/easygoing place to live it seems. Take care :)

Ya that was out of line. God’s name is holy.

"Hey, Dave, I'm not like those other idiots that call you, but......."

Everyone's situation is different. Sometimes a car breaks down and you need a car. And if you are like me, I have a 0% interest loan, so its a no brainer

@@BradyR95 zero? Seems sus....

Cars/trucks are insanely expensive. The loan is equivalent to forced savings. I don’t know what difference it makes. If you have an old car that breaks down while you’re trying to save for a new one are you getting ahead? You have to get caught up or have the magic vehicle that is reliable long term. They’re out there just most are not in that category.

doesnt mean they're idiots. You seem very judgmental. @@snoookie456

F/o/r/m/o/r/e d/i/r/e/c/t/i/v/e/s W/h/a/ts/a/pp me + 1,/9,/8,/0,/3,/0,/0,/4,/5,/3,/4

i would take u out to one :)

Update: This did not age well.

Sad 😞

Done?

@@kitanyaedward6722 yep

Happily I have youtube and torrents for entertainment no need to pay monthly subscriptions

I wish my family would understand that we don’t need every streaming service 🥴

They have at least $3k per month in wasteful spending, a second job isn't going to mean squat until they get that figured out.

I am working PRN as a CNA right now to pay off debt. Will be 90% debt free by the end of the year. I don't do much else right now because I'm working so much, BUT to see this credit card debt, car payment and personal loan go away, ITS WORTH IT!

Any tips or ever think about sharing your budget plan

@@jesuslover5968 lots of tips. Too much to put in a comment

That's the key. Find the system that works for you. The point is to budget.

Please share these tips... 👂

@@granados1990 I would love to but not sure how. Comments are not the right venue

Oh my 😳