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!!!
@lizlikesmakeup5436
5 жыл бұрын
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.
@alexisbynum9524
5 жыл бұрын
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 ;)
@donnoe1933
5 жыл бұрын
Michelle Reed can you do more business related videos please? You mentioned being self employed, can you make more videos about that ?
@simplysarahbeauty
5 жыл бұрын
“the first way to treat yourself is to be financially stable” SO TRUE AND IS NOT SAID ENOUGH !!!!
@michellereedg
5 жыл бұрын
Sarah Watts haha thank you!
@carojames6776
4 жыл бұрын
Some people do not want to face up to reality. Financial stability can contribute to good mental health, peace of mind, freedom etc.
@keatonmorgan295
4 жыл бұрын
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
4 жыл бұрын
How do you use these pattern you mentioned?
@ameliabecker6050
4 жыл бұрын
Am trying to stop my irrational behaviours of spending too much money on things I don't need.
@keatonmorgan295
4 жыл бұрын
@@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.
@miasantos1482
4 жыл бұрын
@@keatonmorgan295 thats nice, if I may ask what are you invested in?
@jessicacaudill2278
4 жыл бұрын
@@keatonmorgan295 I manage to save just 5% from my monthly pay check, but after watching these video I would push myself to save more.
@kelseylykowski
5 жыл бұрын
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!
@littlemissess8942
5 жыл бұрын
10 dollars into savings a day?? I LOVE that idea, thank you💞
@cinderea
4 жыл бұрын
I do that half of a year. So i alternate the months I can spend money on myself. The other half is for essentials only.
@Carlos-xw5mr
5 жыл бұрын
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!
@dangernoodle9961
5 жыл бұрын
Who actually buys all that shit lmao
@liliajoon
4 жыл бұрын
@@dangernoodle9961 Exactly. I am splurging when I just want to pay for ONE nice pair of jeans = $60-$80. Then I have to go back to saving.
@dangernoodle9961
4 жыл бұрын
@@liliajoon I splurge by buying 50 dollar Jeans, no joke. I can't imagine being privileged enough to even think of buying $200 sunglasses???
@liliajoon
4 жыл бұрын
@@dangernoodle9961 haha right?!
@saucewithnopasta5541
4 жыл бұрын
Carlos I don’t even have the money to splurge at all lol
@ankitamoss4969
5 жыл бұрын
A cheap meal recipe video would be SO helpful!
@johanna6831
5 жыл бұрын
Totally agree! Work/school lunches, quick dinners, or vegetarian meals would be amazing!!!!
@rachelpotts5334
5 жыл бұрын
yes!!
@thepaulingfamily8187
5 жыл бұрын
I'm starting the 52 week challenge where I save 5 dollars a week. I'm cooking at home now and only taking me and my daughter out once a month.
@cocacolalada
5 жыл бұрын
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
@beautybyashleyTV
5 жыл бұрын
I NEEDED this video! I’m a sophomore in college right now and I need to save my money better
@michellereedg
5 жыл бұрын
beautybyashley glad I could help :)
@IsabellaCollester
5 жыл бұрын
me too
@Amanda-ld7ge
5 жыл бұрын
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
@majacrawley1891
4 жыл бұрын
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!
@MsLennonLady
5 жыл бұрын
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
@caitlinjanelle9967
5 жыл бұрын
Thank you so much for uploading this video. I wish that more people on KZitem 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!
@devanleanna3514
5 жыл бұрын
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.
@juliarae2561
5 жыл бұрын
literally the best and most helpful youtuber ever
@LayneFable
4 жыл бұрын
!!!!!
@izzbeeee
5 жыл бұрын
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!
@lilh953
5 жыл бұрын
Im a 27 yr old learning finance from a college student. I feel great
@figuringitout4732
4 жыл бұрын
It's never too late to learn
@carojames6776
4 жыл бұрын
Gaining the knowledge is what counts not where it comes from.
@thegrimmperspective
5 жыл бұрын
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.
@MUSiqFiNATiC123
4 жыл бұрын
😭
@AnnaGraceFrances
5 жыл бұрын
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!!
@nicollegudiel1211
5 жыл бұрын
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!
@koolneisha
5 жыл бұрын
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.
@cdcVintage
5 жыл бұрын
Great advice! The key here is to not buy "stupid" things. Because everything you buy eventually ends up in the trash anyways. ♥️
@palmtreecruises
5 жыл бұрын
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!
@logancrispin452
5 жыл бұрын
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.
@georginamaria6706
5 жыл бұрын
I needed this video bcuz I’m really bad at managing money 🤣🤣
@michellereedg
5 жыл бұрын
Georgina Maria I Hope this helps!
@JordanSchier
5 жыл бұрын
I needed this! I’m a senior in high school and trying to save as much as possible to make life easier later haha
@ketgrace6423
4 жыл бұрын
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.
@aliavictoria5617
5 жыл бұрын
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!
@paulakr
5 жыл бұрын
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!
@Kristina4568
5 жыл бұрын
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
@MinnieMoo48
5 жыл бұрын
I love the idea of leaving your phone or card at home. I never thought of that and it makes so much sense.
@sadisap5207
4 жыл бұрын
I have be doing the Card thing. It really helps. Gonna try with phone. Good luck 🤞
@AbigailDelano
5 жыл бұрын
Just created a 2019 budget and was super encouraged by this video!
@readingwithalym
5 жыл бұрын
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!
@anastasianorthup3278
5 жыл бұрын
aww congratulations!!! I did the DCP spring-fall 2015 and it was the best time ever! good luck and have a blast!
@ForeveraDayDreamerxo
5 жыл бұрын
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!
@Melitaanahi
5 жыл бұрын
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
@candygal1199
5 жыл бұрын
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!
@SavannahLeighWest
5 жыл бұрын
100% agree with "the best way to treat yourself is to be financially stable"!! You're so wise & I love your honesty about finances! ❤️
@deborahbarker5591
4 жыл бұрын
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.
@chicmakeuplover
5 жыл бұрын
Love the video and you. You’re hands down my favorite youtuber. Love how strong you are in your faith and how family oriented you are.
@kkmd0113
5 жыл бұрын
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!
@nicollegudiel1211
5 жыл бұрын
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)?
@bana6957
5 жыл бұрын
Thanks for the budget template! Never thought it would be this easy!
@ForeveraDayDreamerxo
5 жыл бұрын
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!! ♥️
@watchmesave4912
5 жыл бұрын
How's it going?
@taylorcupcakexo
5 жыл бұрын
Really want to become financially independent! I’m so grateful for the support from my parents but I’m working towards being independent❣️
@ddiiaannaa97
5 жыл бұрын
Love your new glasses!
@michellereedg
5 жыл бұрын
ddiiaannaa97 thanks so much!
@hannahbarham3432
5 жыл бұрын
Thank Aiden for the Excel sheet. I have tried making my own before but always suck at it so this is really useful.
@chloeappleby251
5 жыл бұрын
Love love love this video. Great to see someone else my age so passionate about being fiscally responsible ❤️
@isabellasinspo
5 жыл бұрын
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!
@LashonDCampbell
10 ай бұрын
Hello and good morning to you 🎉🎉 I found great joy in watching your video today 🙏🏿👏🏿 You are simply amazing and I LOVE your channel
@selma-1998
5 жыл бұрын
A great advice for me was to spend less money on makeup to buy healthy food/meals thanks Michelle 😊
@ash_7931
5 жыл бұрын
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.
@hannahconner558
5 жыл бұрын
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. :)
@YanaLovee
5 жыл бұрын
This video was so helpful and definitely motivated me to save more money this year!
@kmakeup2
5 жыл бұрын
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
@allysonchampagne8313
5 жыл бұрын
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!
@ddiiaannaa97
5 жыл бұрын
Really liked the video, Michelle! And leaving your debit card at home seems like the ultimate solution to cut spendings. So easy yet effective 😄
@Ms.MD7
5 жыл бұрын
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.
@emmaobryon9910
5 жыл бұрын
Your videos make me feel like I can actually do life 😂 as a sixteen year old, you make being an adult seem less scary
@MaceyRosalie
5 жыл бұрын
Aidan's excel spreadsheet is helping me so much right now! I love it!
@stephandden
4 жыл бұрын
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 ✨
@readingwithalym
5 жыл бұрын
THIS VIDEO IS FOR ME!!!! my family just made fun of me for 30 min because I'm so bad at money management
@marinescastellanos6157
5 жыл бұрын
Michelleee!!!! This is one of the best and most helpful videos I have ever seen on youtube! Thank you so much for all your genuine advice
@foraluckygirl
5 жыл бұрын
Wow I never thought of tithing my time. Thank you for that :)
@TheKerryBerry01
5 жыл бұрын
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.
@thecooleileen
5 жыл бұрын
This video was so motivating, I'd love to see more videos like this on your channel!!
@kawaiikace
4 жыл бұрын
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!
@johanna6831
5 жыл бұрын
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 ✨
@Jesscgomez
5 жыл бұрын
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
@ashleyannethemovie
5 жыл бұрын
This was so so so helpful Michelle! I'm trying to learn how to budget better and this was a huge help. I really hope you make more videos like this!
@menleylangham6838
5 жыл бұрын
Thank you so much for answering my questions!! I’m a sophomore in college and definitely needed this!❤️
@hollyjustine5
5 жыл бұрын
Loved this Michelle!!! Thank you so much for sharing your tips and advice! 😊 Video request: how you curl your hair (it always looks so good!)
@faithacoleman
5 жыл бұрын
Totally agree on Poshmark!! So easy and a great way to make a little bit of money!! Love your videos!
@SkeltonMadison
5 жыл бұрын
Love this video! One of my resolutions was to create a monthly budget and stick to it and so this was very helpful! 💗
@mikaelaabree
4 жыл бұрын
Thanks for the tips girl! I'm currently writing out my expenses and dept so I get a clear understanding of where I am! xx
@NinaThomas
5 жыл бұрын
I love that you talk about tithing! You are incredibly wise for your age.
@sarahkatherinesisk1980
5 жыл бұрын
Yay!! I just got the notification for this video and I'm so excited!
@KatriceJustice
5 жыл бұрын
I would love to see a cheap meals video! I live alone for school and I find it difficult to cook for just me lol
@bravebird1908
5 жыл бұрын
Where did you get your glasses? Can you share a link or style name/number for those. I want them! lol
@wendycrew1177
5 жыл бұрын
I liked this video and I couldn't quit looking at her glasses. They look great!
@kemhesler
5 жыл бұрын
Are they kate spade?
@oliviaf.7636
5 жыл бұрын
loved this!! I am definitely going to try to start saving money more this year!
@ShannMatar
5 жыл бұрын
Do a video on how you curled your hair like that please
@lemonlemon9585
4 жыл бұрын
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 .
@skyebluegurl1
5 жыл бұрын
This video was super helpful and has made me excited to saving money! Definitely make more videos like these!!
@CynthiaAva
4 жыл бұрын
I just noticed your tithing amount. Tithing is $30.00 and Shopping category is $250. How do you feel about the 10% tithing and how did you figure out how much you were comfortable with giving to the Lord?
@mjfabes
5 жыл бұрын
So good and definitely needed! Thanks Michelle! God bless! ♥️
@musicxlove53
5 жыл бұрын
yay i missed your uploads after all those vlogmas videos! thanks for the tips michelle :)
@kaitlynpoorman2400
5 жыл бұрын
Could you do a video on how you do your taxes?! I’m self employed as well and have no idea what I’m doing😅😅
@DarceyPittman
5 жыл бұрын
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!
@natashanov4353
5 жыл бұрын
This is so helpful. Thank you!! Love your channel and vlogs by the way! 🤓
@Ca_1021
4 жыл бұрын
Poshkmark is so great also Mercari. That's my "side hustle" and fun money.
@samanthalyubarsky6565
4 жыл бұрын
I love poshmark! My favorite way to make some extra cash
@makailahlayton
5 жыл бұрын
You should do a podcast, I learn so much just listening!!!
@swim4life914
5 жыл бұрын
thank you so much for this video!!!! I would love to see more practical videos!!
@celinevanmeenen8115
5 жыл бұрын
I loved this video, i would definitely watch more practical videos like this!
@sarahbella98
5 жыл бұрын
One of my goals is buying a house ☺️ also I loved this video and you should def make more videos like this!!
@zeinabadam958
5 жыл бұрын
Liked this video before watching! Such an important topic x
@TheSashacakes
5 жыл бұрын
the setup in this video is so nice!!!
@lydschnid61
5 жыл бұрын
I mentioned recently to my friends at college at I tithe and none of them knew what it was...I felt so out of place and like they didn't understand why I was doing that...
@rachaelschick996
5 жыл бұрын
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!
@kaitlynwhinery2619
5 жыл бұрын
I love all your content! Very helpful! ❤️
@shaunaleessnackidies
5 жыл бұрын
I don't think it's smart to leave without your cell phone or debit card; what if you were in an accident or got a flat tire? Also, you can't use that emergency fund if you have no debit card on you and something happened....
@gracemaceligot9198
5 жыл бұрын
I LOVE your financial videos !!!
@tierramccraney2045
5 жыл бұрын
Very informative! Thank you for sharing this information.
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