Hey friends! I realized after posting this that sharing files is more difficult than I thought. Feel free to message me on Instagram (@michellereed) and I will send you a downloadable link to the budget template by tomorrow. I hope this helps!!!
If you use google drive/google docs, you can import the file into google sheets, then change your sharing preferences to "Anyone with the Link can view." Then just post the link in the description or on your insta and everyone can download it from there without you having to manually send it to us! If you have a gmail account, you have access to the google drive through there.
If you use EveryDollar, the app, you don't have to hook up your bank account. It's the best budgeting app for zero-dollar based budgeting! Dave Ramsey approved ;)
A really good video, having a good budgeting plan can help us become financially stable, that's why I use a 50/30/20 budgeting pattern which has helped me save a lot these past few months.
@@annabelwillemse6997 it's 50% on expenses, 30% on investing and 20% on saving. Spending less has really created more room for investing and I have been doing these for the past thirteen months.
Stop buying things you do NOT need. Example: You do not need 6 pairs of sneakers, 3 expensive watches, $200 dollar sunglasses, etc etc. Splurge reasonably. This tip alone will save you a ton!
once a year i do a no spend month, and by that i mean for a full month i only purchase essentials and pay bills, nothing else. i also stopped buying coffee and food at work and bring my own, then i move $10 into my savings every day that i work. it’s incredible how much it all adds up!
When I was broke life in college at 19 I just got out..I would make this meal last five days Just spaghetti with beef and vegetables I bought the cheap stuff Spaghetti x2 $2.00 Two cans/jars of spaghetti sauce (you can buy cheap tomato sauce or the 6.00 jar I choose the around $2 jar of prego) A pound of ground beef or turkey (also varies in price depending on which one you buy) Onion Garlic Mushrooms Green or bell pepper To be honest I take any vegetables I like cut them up and put them all in a saucepan until they are cooked Then I take the pasta sauce add whatever spices to it I like (I love an Italian mix and some balsamic vinegar just a little vinegar though) I cook the meat Separately and drain off the meat juice I literally add all of it together let it cook in the sauce for awhile 15 minutes or an hour the longer the better and then I just make the spaghetti I find I can make this for around $15.00 and I eat lunch or dinner for the whole week with it
i appreciate how gracious you are about knowing that everyone is in a different situation. i loved this video! super helpful and honest about beig real with yourself
Thank you so much for uploading this video. I wish that more people on RU-vid would talk about this instead of showing all of their haul videos which makes me want to spend money. Not that haul videos are bad or anything, but it is nice to see somebody putting something different up! Love your videos!
Hi Michelle! In one of your old videos you mentioned how you can have a great or bad college experience wherever you go, because it’s about what you make out of it. That actually saved me a lot of money, because it helped me decide to go to a community college (which is free in my state). I was really afraid of not having the freshman experience, but I ended up really liking it here. I would have been so stressed about finances if I went to my dream school right away. So far my grades and art portfolio have improved since high school, so I’m hoping to get really good scholarships for when I transfer. Thank you so much Michelle for all that you do! You are such an amazing person, and have taught me so many things.
When you said you were a senior in college, I realized that I have been subscribed for more than four years! You are such a thoughtful and kind person!
the best way i’ve managed to save money (and also helps the envr) is by only buying what i “need”. so instead of just going to the mall to shop, i’ll only go shopping if i know exactly what i’m looking for and for clothes i’ll hit up the thrift stores first!
I'm a sophomore in high school and although I may not need to worry about saving up as much as I would if I was a senior or going into college, I still do want to be aware of what I can do in the future. I really love your videos because they are very helpful in educating me about the little things I need to be prepared for. Stay amazing!
Girl I love this! Saving money is so important and not enough people are talking about it! Saving money gives you control over your life and your happiness. I post about money all the time on my channel because not enough people are talking about it!
A wedding is just one day. Save your money for the rest of your life. That's a LOT of compound interest and life experiences lost. Some of these weddings are like keeping up with the Jones. I wish I could have convinced my wife of this at the time.
This was so so helpful!! I'm a senior in highschool and I just finished working out my financial aid for the school I'm going to next year + I know I still have a lot of money I need to save and work to make during college to make my top school possible, but this put a lot of my purchases into perspective!! Great video Michelle!!
I’m one of your OG subscribers been subscribed since 2012. You are still beautiful just like you were 6 years ago. I will continue to watch your videos and wish you nothing but success in life. Crazy how fast time as went by.
My absolute dream is to save $10,000! This summer i worked so much doing 8 hour shifts 6 days a week and I was still only able to save $1,000 for college and it’s already gone due to books and rent :( thinking I have to get a second job
Michelle, I’ve been watching your videos since you were starting high school, and its amazing to see how you’ve matured and learned! I love how you’ve crafted your channel and brand toward having a healthy mind, body, and habits. Thank you for being genuine and a great role model! xoxo
I'm a dependant (hs student) who works and this was super helpful looking towards the future. For other HS students, this is your time to save! I put 60% of my paycheck into savings and WOW does that add up. When you have a refrigerator free and open to you 24/7, make sure you use it. Everytime I eat out somewhere I have to pay, but when I eat at home, it's free. Know where you can save money and start getting a fund ready for future emergencies, investing, or anything else that has future importance.
Thank you for this video, Michelle!! Money management has been a struggle for the last few years. My monthly income does vary and many people who make these videos don't touch on that. Your advice to make things work on the lowest paycheck is great and something I will definitely use in the future!
As a Buddhist, I completely relate to so much you say. Generosity releases our attachment to money and let’s us remember that the money we make at the end of the day should be given to others who don’t have money. Also super helpful video !!! Financial stability is super important to me to as a young woman. Love u Michelle!
Hi Michelle! I have been using Poshmark for almost 4 years now and I love it as well. But just a tip, you could definitely raise your prices a little bit. I usually just take 50% off of what I paid originally and can get all of my items to sell. Just thought maybe I would share that if that helps :) Also I'm a fashion merchandising major and I could not agree more with what you said about trendy pieces! I love investing my money in timeless pieces that I will wear forever.
Please do more college study and organization related videos, I really enjoy those from you! Also, amazing video once again. Keep doing what you are doing xx
this video was so helpful! I'm doing the disney college program starting next week but I'm planning to study abroad this time next year, so my biggest financial goal right now is to save during the program so I can afford my plane ticket and to live comfortably during my study abroad experience!
this video is just what I needed! I am planning on moving out of state by the end of the summer and it's going to cost a lot of money. you're so inspiring and I am so thankful that you are always sharing your wise words through your social media content! keep doing what you do because I love it!
oh gosh. i neeeeeed to stop buying new makeup. i actually have too much and i don't need 80% of it. it's just so fun to buy the new stuff everyone is talking about, but i also need to remember that what i already have is great too. thank you for this video michelle, my goal for 2019 is to definitely spend less and save more!
One thing I do is I have a tin that holds all my change and I don’t cash it unless it’s a serious emergency. So far I haven’t touched it. (Knock on wood lol) There have been times in the past few years that I felt like I might need to cash it but I pushed through and it’s still growing! That’s another way to have a small emergency savings!
I love this so much and really respect you for making tithing a priority. I feel that it's something young Christians don't realize is important and thus don't tithe. Though I didn't have a steady income in college (which was only a few years ago), I still didn't tithe often on what I did make. As a now working adult, it's a priority for me, and I have found that there is joy in that obedience.
Omg it’s exactly what I needed right now! I’m thinking of moving out of my parents house and buying a new car, gotta work on those savings! Great video
Also thank you so much for this video!! I struggle with budgeting and saving and it confused me trying to get that in order with bills to pay. This year I really need to work on stop spending so much of frivolous things and save my money so I’m not so broke lol I want to spend less on material things and more on traveling and fun things like that! Thank you for the tips!! ♥️
My biggest goals are to be able to buy a car, be able to attend a summer program, and be able to have more than enough money when going out with friends/school events (prom)?
I loved this video! I def love saving more than I like spending but it can get pretty hard sometimes, but it is so rewarding when you see your progress!
Great video Michelle! I've totally upped my financial goals for 2020! I actually just shared a video on my goal of getting to $25,000 in SAVINGS this year ✨
My financial goal is to simply get out of debt. It does get more difficult down the road when you have a partner that has their own financial goals and visions. I am more of a “look towards the future” kind of saver, whereas my fiancé has more of a “life is short!” attitude about money and saving. It definitely becomes more difficult to track spending as you grow up.
I took a money management class last semester and my teach gave the best advice! She said that your monthly payments you’re making to pay off the debt are mostly going towards the interest and not as much is going to the principle(at least at first anyway) but if you start paying more than the minimum monthly payment, even if it’s just a dollar, that will help pay off debt even faster! She did say that if you do that though, make sure to tell whoever you’re paying that the extra is going toward the principle. :)
Michelle, it would be awesome to see a thrift with me video and/or thrift haul! I've been trying to thrift more lately to be kinder to the planet and my bank account ✨
Thankfully I discovered Poshmark as well. It's nice to get rid of things and make some money on the side. I also do OfferUp and Letgo for local transactions.
Love this video so much thank you!! I really struggle with saving money because I love to spend! I hope that I can soon become more mindful of my finances! Could you do a video on how you did your hair in this video also? I love it!
love how articulate, mindful and straightforward your video is ((: thank you for such great content - working on making my own saving goals and budget right now!
My financial goals are to graduate early to save money and be financially stable to live in nyc long term. I actually posted a similar video today as well about my tips for saving money as a college student in nyc!
Thank you for this video! It definitely motivated me to take my spending and saving more serious. I am only getting older and before I know it, I'm going to have to buy a house or pay off my school loans
OMG , so many silly videos of curling hair like it s something you have to study and find secrets, every hair type is different , when you see something on someone else probably you cannot copy exactly the same look , just do curls to your hair and try different products or not . She is saying so many interesting things , do your curls while you watch this video .
I am at home student teaching for my last semester of college and my school recommends for students not to work during the experience because it is like a full-time job, but we don't get paid. We actually are paying tuition still to student teach. So I need to find a way to make a little income so I don't blow my savings. I have a poshmark but nothing has been selling recently.
I don't think there is such a thing as good debt, but good video overall, especially the part where you said to live within your means and don't forget to be generous
Thank you for sharing!! Loved this video :) In the next year, I want to have my student loan paid off and have enough money saved up to buy a new car. I also want to have enough money to move out of my house!
