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Learning how to manage your personal finances and budgeting, independently of your specific financial situation, should definitely be one of your priorities this year; I mean, it should be one of your priorities your whole life, but if you haven’t kickstarted the process yet, this year is as good a time as any to get more involved in the world of personal finance.
My Spreadsheet:
General Resources:
‣ Ovalblog Financial Education:
‣ Simple Budget Printable:
‣ Money Management Template:
‣ Notion Financial Tracker (paid):
‣ Notion Personal Finance Template (free):
‣ Best Personal Finance books:
‣ Best Personal Finance podcasts:
‣ Mint:
Everything about Debt:
‣ 25 Ways to Get Out of Debt in 2021:
‣ 10 Ways to Get out of Debt:
‣ Escape the Debt Cycle:
‣ Mortgages – a Beginner’s Guide:
Video edited by: Mary Among Stories (maryamongstories@gmail.com)
FTC: This video is sponsored by Brilliant.
2:10 – three goals:
* emergency fund
* budgeting/expanse tracking
* getting rid of debt
2:35 – the emergency fund: keep it stocked!
3:35 – expanse tracking: be mindful & analyse your spending habits.
* ask mindful questions about your spending
5:50 – budgeting rules of thumb
* prioritize spending
* big bill prevention
8:30 – different account for different goals
9:30 – taxes and financial calendar
10:35 – regular finance housekeeping: personal finance is a chore
At 4.48 you add in your categories which automatically get added to a separate table with the amount, how have you done this? I have downloaded your sheet but it’s not happened automatically like yours. Much appreciated. Amy
Thank you for this video. It really help me in my personal finance and budgeting.
Nice work! Just subscribed and look forward to seeing more videos.
Very Helpful indeed
thank you!
I enjoyed every minute of this video. Excellent work! Although as you mentioned it is not easy to put everything Personal Finances in just one video.
Thanks for the video. Having good habits does matter!
Budget planner :
https://pin.it/5nwU8H7
thank you !
It's not possible for an emergency fund always to be stocked.
It is an account with a variable balance over the course of one's lifetime, not a constant balance. And if you really get hit hard, there is no emergency account. It gets used in its entirety and shut down.
Great video, good detail and teaching, really sums it all up. good thing 👏lf you are looking for a profitable lnvestment for your portfolio, then mine BTC or ZEC on the blockchain network.
Hard to watch Dave Ramsey. He's like a human sideboob.
Few personal finance tips:
✅ Be aware of what you have (money, debt, spendings).
✅ Pay yourself first.
✅ Focus on making more money, spending less money and growing it.
✅ If you can't pay in cash, you can't efford it.
✅ Have more than one income source.
This is very informative and a motivating video! I hope people can learn and practice what you’ve been sharing as this is one of the best practices I have ever heard so far. Keep making great content like this 💕
Great advise, I cannot wait to try.
Excellent video indeed . We all strive for financial independence and better life. It’s not difficult in achieving this through the right investment, living frugally and budgeting. I’m glad I learnt early in life to work hard for financial freedom
Thanks!
This video really epic if you are in the beginning it gives you general overview but if you are in this sector for along it motivates you and refreshes your information.thanks 🌷
How most stocks can make you wealthy over the course of the next year alone with life-altering gains is really eye-opening. I invested some money in a few stocks, and while I still plan to actively trade equities, I anticipate seeing great outcomes soon.
liking the big bill prevention rule
This is very helpful. Thank you for sharing the information and resources!
Where i can find this template
If we are taught that $4000 invested monthly into the S&P 500 index (8% annual ROI) will grow to $2,350,000 after 20 years, $3,800,000 over 25 years and $5,600,000 after 30 years then we will have a lot less 20 year old making $35k and running to the Mercedes dealership to blow the money
This is the standard Financial Order of Operations priority list for budgeting:
Necessities
Starter Emergency Fund (1 month of necessities)
High Interest Debt
Full Emergency Fund (3-6 months of expenses)
Retirement Accounts (20% of gross income)
Optional Spending
Nice video. But let me talk about something important, I see a lot of young and old making mistakes that I think shouldn't be. I think everyone, young or old, should have an investment plan that increases their financial return by three to six figures. The investment can be your retirement plan or your future plan, whatever it was you wanted, but what matters most is that you have a profitable investment.
Great video. We all strive for financial independence and better life. It’s not difficult in achieving this through the right investment, living frugally, and budgeting. I’m glad I learned early in life to work hard for financial freedom
A wonderful introduction to personal finance that is both in-depth, but not overwhelming. Great job! This will help a lot of people.
Hi dear friend, my name is Estefany, I’m teaching a course related to household management and I would like to use this amazing video to show to my students, I love it and I think it can be very useful, could I have your permission? I will really appreciate it. Have a good day and take care. Warm regards, Estefany.
Dave Ramsey is abusive. Trigger for anyone who has been bullied.
Love the idea of paying everything on the same day every month. I try paying/scheduling ahead, but rather often find myself double checking bank to see what was withdrawn already and all that. Thanks this was a nice video 😊
You hold your pen very strangely. 🤣
Boonzi – Personal Finance and Family Budgeting Software changed my life. Much better than Excel sheet.
My bank account can't say much positive things about me but I'm a delivery driver and I've been saving up my tips and I can typically save around $400-$500 a month. It still means 12 hour shifts on the weekends, or at least once or twice in the week and yeah I feel tired a lot but at least I'm not so completely broke. At least to where I'm not throwing my money away. The best part is that I'm also organizing and saving my money into multiple pockets. So there's like 10-20 different things I'm (trying to) save up for. From an espresso machine (so I'm not spending $6 and $7 at Starbucks all the time) a piano keyboard, to car insurance and trying to pay off my car. I'm even saving up for mother's day so I can do something nice for my mom. And several other things like saving for my own place and clothes shopping, etc.. tip jobs are good to have when you want cash to put away each day. 😊
Very important knowledge my friend 👍🏻
If you want to be successful , you take most responsibility for your emotions , do not place the blame on others . In addition to making you feel more guilty about your faults, pointing the finger at others will only make you loose the your motivation force to become something and your sense of personal accountability. There's always a risk in every investment, yet people still invest and succeed. You must believe in the outcome of your goal if you wanna be successful in life.
Great video. Thank you!
Thank you for making the video. This helped me to become more organised about my financial situation.
I watch several YouTube videos on how to trade in the stock market but haven't made any headstart because they are either talking some gibberish or sharing their story of how they made it and I do not want to make mistakes by taking risks in my own hands..
please make the intro shorter next time
Genius!!! Thanks so muuuuucccccch. Live saver
Thanks you very much for your advices. All of the are very clear, specific and helpful.
Excellent video!
Thank you very much for your hard work.
my favorite youtube channel ever.
These are very valuable rules for anybody who wants to get rich. Unfortunately, most people who will watch this video will not really be able to apply the principles. We may not want to admit, but as Warren Buffett once said, investing is like any other profession– it requires a certain level of expertise. No surprise that some people are losing a lot of money in the bear market, while others are making hundreds of thousands in profit. I just don't know how they do it. I have about $89k now to put in the market.