How To Start Living Below Your Means | Clever Girl Finance

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Title	:	How To Start Living Below Your Means \| Clever Girl Finance
Lasting	:	12.49
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Your voice is very soothing, and the information is presented in an organized fashion It’s very daunting to sit down and analyze what has happened because sometimes it’s emotional spending, it’s transitions in life or times of unemployment that dig a bigger hole of debt Thank you for inspiring me to do better with my money God bless you
Comment from : @Lizeth_benitez

Success starts with the right knowledge Girl Boss Hustle: Earn 10k From Home breaks it all down in the simplest way possible
Comment from : @Emmyyyy5

Avoiding the salon overall (whether its nails, hair, whatever) is a huuuge game changer for a lot of people Doing it at home may not feel as fancy or glam but a nice smelling candle goes a long way lol
Comment from : @Poerenn

Use gift certificates in an unusual way: if you have some for a hardware store- you could get toilet paper or cleaning supplies, a book store - might sell back to school items, an alcohol store- might also have snacks and canned goods
Comment from : @einat1622

You are good ma'am thank you for sharing this thought
Comment from : @odobijames910

Thank you so much ❤❤!
Comment from : @lindaallen1947

bro im SICK of being BROKE between my husband and I we pull in 80k 80 freaking k that's amazing for us not being college graduates and essentially working entry level positions that we have both moved up from promotion one time we own our home and own our one vehicle never hungry and never without decent clothes to wear I just paid off my credit cards and I'm ready for 2025 I admit i shopped way too much 2024
Comment from : @fesola95

Stop going to the dollar store, those small purchases eat up the money!!
Comment from : @mafflowers4191

🙏
Comment from : @uutfathiaramadhini888

I made a budget, plan to utilize financial resources to help me understand money, and tell a family member to hold me accountable
Comment from : @Heart_LikeChrist

Awesome
Comment from : @BuyungoKhamada

I'm old school and i started my budget and savings plan with envelopes I found that if you see things physically your brain absorbs the habit quicker and embeds it onto the brain
Comment from : @aquafina6544

Thank you
Comment from : @BeginnerDiva

Things that I do/have done to live below my means are: lowering all the bills I can, only buying things at the store that I need (no impulse buying), utilizing coupons and rewards programs at various stores and restaurants, and getting quality clothes secondhand for me and my kiddos whenever possible
Comment from : @lacei_love

Absolutely! 🙌 Creating a solid financial plan is key to achieving peace of mind Your advice on living within our means is so refreshing and practical
Comment from : @elisebuiefamilylaw

thank you for this video sister
Comment from : @Prettybadhaitian

I’m 52 hoping to end the rat race by 60 with above $1M I know money is a liability to be exchanged for assets with real value like real estate (properties for rent) stocks (dividends) bonds (interest) But, what is it with bitcoin? I hear a lot about it and I'd love to diversify my portfolio
Comment from : @markd152

“Making all this change “😂😂😂 me laughing at cheesy joke
Comment from : @adronniwillis9678

Don't use a credit card unless you're able to pay off the full balance every month I've fallen into that trap again
Comment from : @Themystergamerr

I have saved a TON of money on electronics by buying refurbished models Everything from a vacuum cleaner to a smart watch were less than half the price of new, yet they typically look brand new and last longer than brand new Some examples:br1 I got my Dyson cordless vacuum on Ebay as a refurbished model that was at least half the cost of a new one Dyson has their own page on Ebay for refurbished items, so they are a trusted seller I've had it for 5 years and still love it Other companies and products on Ebay toobr2 I got my refurbished Dell laptop from the Dell website Half the cost of a new one, yet it has lasted longer than any other computer I've had 10 years old now, works perfect and still on the original battery! On the Dell website, there is a tab for 'deals', and at the bottom is a link for Dell refurbished Other brands may have something similarbr3 My last 2 phones have been refurbished models and so much cheaper than new One from Amazon and one from Tracfone Both looked and performed like newbr4 I got my Samsung smartwatch from Amazon Just search 'refurbished' whatever you're looking for It looks and performs like new, works beautifully with my phone and at a fraction of the cost of new brThese are just a few examples If you don't have to have the latest gadgets all the time, this is the perfect way to have some quality electronic devices on the cheap!
Comment from : @357pls

Use a high yield savings account to save
Comment from : @LORDRecords

STOP UN-NECESSARY SPENDING FOR CLOTHING, SHOES AND POCKET BOOKS
Comment from : @stclaremcfarlane7526

This is eye opening and so well comunicated! Thank you so much for this
Comment from : @paolavalencia4097

This still didnt help
Comment from : @juangarcia-br9rp

Thanks for sharing
Comment from : @joseromero9933

Thank you so much!!! I am trying to be frugal and I must say these videos have been helpful I am currently wearing what I have in my closet and only buying what is necessary and persons are amazed because they think they are newThanks again!!!
Comment from : @AjJ-x9u

🙌🏽🙌🏽🙌🏽
Comment from : @mondelarosa

I like the reminder for me about the financial planning sheets of short term and long term goals
Comment from : @Motivationary8724

✔️
Comment from : @jwhyce

the thing is am poor how can I live below my means I use food stamps there is nothing below that totally unrealistic
Comment from : @techexpert6063

This is a great channel
Comment from : @ytalchemy

I miss shopping and I will go splurge and end up returning it all I shop and unshop brbrI have an impulse issue, I stress and want an outlet… I also would like a few things to wear to church and I just can’t right now brbrThis economy has caused an uproar 😢brbrI have to start at square one
Comment from : @SanctifiedLady

I keep 2 accounts, one with salary account & savings Second for expense I transfer money from my salary / saving account to expense account to keep a tab over how much I spend My credit card is just for emergencies and I make sure I pay off the cc bill first thing if I have made any expenses brbrI also put a little sum of my savings, annually, in some saving scheme like funds or fixed deposit brbrI keep a minimum balance target in both my accounts And stop myself from any extreme spending if any of my accounts are about to hit the minimum balance number
Comment from : @swatichoudhary9066

Valuable tips! Taking control of your finances
Comment from : @Under510

My major problem is making investments on businesses that just keep tanking Ive lost almost half a mil php on this It's like a no win situation which is making things feel hopeless :(
Comment from : @AbigailLee218

Excellent video
Comment from : @donnarakitzis2719

I just learnt how to create a emergency fund into the household budget
Comment from : @ShirleyRoberts-l6r

Thank you so very much for this -yours really inspired me Much appreciated Lady Bola!
Comment from : @hopskotchsquirrel9504

Just now realizing that I don't actually "budget" I just write down all of my bills and check them off when paid I need to be more intentional with my finances and spending habits
Comment from : @RosySpeaks

It's this video appearing 1 day before payday for me 😂♥
Comment from : @makgabomonoa2934

What I'm currently doing:cutting back on clothing expenses and meet up with friends expenses I will begin a one month tracking of my daily expenses staring August 1st Yeyyy! Thanks again from the Philippines🌴🌴🌴
Comment from : @belleiccm9801

Thank you Clever Girl for this great video that's helping me prepare for my great future! More power to you🌺
Comment from : @belleiccm9801

I'm a single mom with a chronic illness I feel like im drowning but I am able to save 10 percent of my income so I feel a bit better Will definitely use this to help us
Comment from : @Potatoesarelife234

Hm I don’t do anything on the above your means list so I’m good?
Comment from : @DanjaundTom

im am currntly in the process of lowering my bills i did well so far the only big bill i have besides rent which by the way is thebcheapest incould find at $1000 for a one bedroom apt my car ins for full coverage which i have to have is $132 my internet for lightning speed which i have to have bc inwork at home is $57 and my electric bill which bc i live in fl and need ac in the hot summer months is hovering abt $88 which is very good during the winter and cooler months its no more than $60 on an avg im hoping to try tonsave as much money as possible i habe 4! cats but they r old and rescue cats so i cant and wont give them up they r family i have had them all ansuper lomg time im currently looking at frugal recipes using lots of vegis and small portions of lean meats its a work in progress at this moment
Comment from : @rosemarie3908

Thank you for such an informative video !!!
Comment from : @katiacalejomora2480

Is this content for men too?
Comment from : @Itsmejabs

👍👏👏👏
Comment from : @JolanaKonarikova

What a great video Thank you 😊
Comment from : @lisazappalarogel2839

My wife and I have decided to enjoy camping this year instead of planning some expensive vacations!brLove this video, Thank you ❤
Comment from : @VitalBigras

My husband and I are currently aiming to save $10,000 to put towards renovations and a deck for an above-ground pool So, we've started meal prepping and cooking dinner at home One of our most significant expenses after the mortgage and insurance is takeout/dining I've begun moving 10-20 of our paychecks to a secondary savings account before we spend them
Comment from : @silvercookies

I started preparing breakfast at home instead of constantly spending money on a breakfast sandwich at work every morning I'm already seeing a difference in my bank account just from this change
Comment from : @patrice6139

Why is the sound so low! Sis you need a microphone!! Great information!!
Comment from : @Jimbaz

Thanks alot for this informative message looking forward
Comment from : @esthermutua1287

I like your content new subscriber
Comment from : @pavelsmom1089

You should need to improve your video editing
Comment from : @AliHossain-r6t

Hii , brAs a friend i suggest you,you should hire a professional video editor The editing quality of video needs a lot of improvement Please focus on this
Comment from : @GAMINGFF-do7hj

I am over $JMD 5 mil in debt and own nothing The frightening thing about this is that I am 47 years old and about to live on the street with my kid If someone is reading this and wants to help me with a side job or offer their help as a financial coach I would greatly appreciate it
Comment from : @CapriGoth

All of my extra money goes on eating out My kids always want to eat out even though I do cook But I’m making progress bc I’m making them eat at home more I haven’t been shopping 🛍️ I will start saving more with each paycheck
Comment from : @tiffanyjohnson4271

I stopped spending on gel and eyelash extensions and alloted it to pay off debts
Comment from : @jujumomah

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 Making money is not the same as keeping it there is a reason why investments aren't well taught in schools, the examples you gave are well stationed, the market crisis gave me my first millions, people shy away from hard times, I embrace them well at least my advisor does lol
Comment from : @CameronFussner

Thrift stores are a great way to get quality clothing for pennies on the dollar
Comment from : @edenise1004

After listening for only about 1 min, I thought "na my person be this naw" and boom she shared her namelolAunty Bola, bawo ni o?😁
Comment from : @abiodunaderibigbe9029

I needed this
Comment from : @cassandracraig3708

This is my problem when I get stressed at work or had a long hard week at work I want to treat myself and end up shopping let’s say I have two bags of clothes that I’m donating because I didn’t even wear them 🤦🏾‍♀️🤦🏾‍♀️😩😩🤧
Comment from : @sp3357

😊You're beautiful! Thanks for the advice
Comment from : @ShutterSpeedGaming

Thank you SO MUCH for this high quality video ❤
Comment from : @sophiequirionxo

Thank you!🙏🏾🙏🏾🙏🏾
Comment from : @LeniqueBradley

These are excellent tips! I’ve watched many financial advice videos but this one takes the cake :)
Comment from : @ameragalal6976

I was focused on sabing for a new car and now that I have reached the goal I don't want to get the car because it will deplinish my savings
Comment from : @anitagwinn9501

Once you start living frugal, cut back on your spending you no longer want to spend unnecessarily
Comment from : @anitagwinn9501

All these techniques Will Work but what is not stated is that making and growing money is also about the company you keep ALL Company (even Family)Haters of any kind will not make you Greater they will challenge every step of your Progress and when you start making money you will likely find yourself in their mist Sometimes surrounded on All Sides Many people use these methods and Never make it Exclusion is REAL Watch who you Work With and Work For, say your Prayers and ask for Guidance (even on who to help and what help to give them, if any) There are times when you are doing the Right Things with the WRONG peopleIf you are ENGAGE with the wrong people none of this will WORK
Comment from : @MissAnn-xu9oo

Excellent videobrLove from India ❤
Comment from : @Shreenjan07

My salary is so low that living below my means would mean being homeless
Comment from : @PacificOcean609

Life goals clearly explained Thank you
Comment from : @gloriamitchell3518

I’ve simply taken more time before buying things I thought I needed and watching my bills go out firstbrAlso started shopping weekly for essentials brAlso sell unwanted items online to pay towards my debts
Comment from : @Incognito321-g9v

Right now im tuned on sqving mode because im a spend thrift!😅
Comment from : @lydiabrown2664

People think I'm rich, I'm not I'm a GOODWILL shopper I drive an older car, no car note We can do this
Comment from : @AMERILOGIC

I MUST SAY THAT I DOWNSIZED TO JUST THE BASICSNO TVI WAS FEELING VERY OVERWHELMED, I LIVE VERY SIMPLE AND NO CLUTTER IT HELPS TO CALM THE MIND OF EVERYDAY STRESSORS
Comment from : @KimberlyRikal-cu2cu

I am a 23 year old student and am trying to get out of a shopping addiction I am 34 000€ into dept because of school and am still spending money as if it was unlimited 🥲 thank god I have a very financially responsible partner and don’t want to be a burden for him later one, so I’m trying to learn now! Thank you for this video, it was very helpful 🙏🏾
Comment from : @hannahcato6424

a questionbrif living below your means in needed to survive maybe we need to change the colloquial definition of "means" and " good income"? bris there a way to change the paradigm of money? and do so more effectively?
Comment from : @Andre-qo5ek

Bola's insights on financial planning are a game-changer for anyone struggling to meet their economic objectives Tailoring your budget to match your actual spending habits, rather than theoretical limits, can make all the difference in achieving financial stability 💡
Comment from : @EcomCarl