I love the last tip. We have been trying so hard to figure out how to pay off our credit card debt fast (so we can move onto our other debt school loans,car,house) and it is STRESSFUL. The guilt you feel when you don't feel like you're doing enough even though technically we can't do more because of finances is tough. We want to enjoy our life with our kids but we also want to be responsible with our money from now on, debt free and start saving/investing. It takes time, and sometimes you just need a reminder. Thank you! I love watching your videos, they have been an amazing resource for tips and reassurance!
@OneBigHappyLife
6 жыл бұрын
Thank you so much for your comment. Finances are really tough. Hang in there! You'll see the payoffs before too long. -Joseph
@TruFinancials
6 жыл бұрын
You hit #2 right on the head. You need to put money in savings before spending your paycheck on other things. Planning for known upcoming expenses is huge (sinking funds) can really make your budget work much smoother ever month. Are you guys savings in an ESA or 529 for your kids college?
@OneBigHappyLife
6 жыл бұрын
We are using a 529 but this is the first year where we will be saving more than $2500 each so we will be reconsidering all of our options . What's your preference?--Tasha
@TruFinancials
6 жыл бұрын
Hi Tasha, No kids on my end just yet but will definitely be doing a 529 (I tell my wife I am getting our child a 529 the moment they are born haha). If I hit the max and still needed to put more away I would invest in good growth mutual funds at that point, as long as I had a 3+ years to let the money grow. So happy to hear others using a 529/esa account.
@ShariKaye
6 жыл бұрын
Great Tips! My Fav is #6. I have a deep passion for personal finance.You two are becoming my new Favs! Financial literacy is a topic many people don't care to master, but it controls just about every aspect of their life...Thank you for sharing.
@TruFinancials
6 жыл бұрын
Shari Kaye - You said it very well. Money is weaved into pretty much every aspect in our lives and most don't care to learn how to manage it properly.
@OneBigHappyLife
6 жыл бұрын
We're glad you found us. We do a little bit of everything on the channel, but finance is certainly the biggest. We feel the same way that no enough people are learning personal finance at a young age. We end up playing catch up later on. - Joseph
@millennialfire8596
5 жыл бұрын
Tip #4 is an awesome idea. We traditionally budget in 2-3 month intervals but I can definitely see a huge benefit of budgeting for an entire year at once.
@shanalegrant6931
6 жыл бұрын
Tosha that blouse....yes! I love it! BTW...thank you for the video on Credit Sesame. Both my husband and I signed up and we LOVE IT! It is so helpful. We are now using your spreadsheet to figure out our budget. We are addicted to this channel! Thank y’all so very much!
@OneBigHappyLife
6 жыл бұрын
Shana, I'm so happy that you and your husband are enjoying our videos! It means the world to us to hear that we are making an positive impact in peoples' lives! Thank you so much!--Tasha
@BillionaireBehaviorBB
6 жыл бұрын
Can I get a link to credit sesame? Tried looking for it and can’t find the video
@fraufarbenfroh2904
6 жыл бұрын
Of course, we hear you....we love to hear you! You inspire me so much.... by the way I am from the north of Germany and a 50 years old woman.
@NotAMuse
5 жыл бұрын
I absolutely love how transparent you two are about how much money you make and how you make it work. People on KZitem are so quick to hide what they earn and pretend they’re ‘just like us normies who have to work 9-5 while they stay at home.’ I absolutely love that you guys are showing how a double income household works in these modern days and sharing that wisdom! Love love love, I am subscribing!
@smwrigh3
6 жыл бұрын
Great advice!!! Some of these are my 2018 goals. I have been at my job for 5 years and I get so intimidated when I look at jobs online but after 3 promotions I don't see room for growth and I am ready for another experience. I am going to put myself out there this year! Sidenote: Tasha you are so beautiful. Your makeup looks really nice and your skin is everything!
@OneBigHappyLife
6 жыл бұрын
Thank You! We're glad you're feeling inspired to take your next step!--Tasha
@AmandaJYoungs
4 жыл бұрын
I totally love you two! What a really well sorted out pair you are! And by the way, you're the first people I know who've made clear to me what budgeting ahead a year or more might actually work to do in my life. Invaluable content. So happy to have found you!
@dianelieu
4 жыл бұрын
I love the blooper at the end where Joseph and Tasha lean back in their seats the same way. So cute! :')
@CluelessMamaD
6 жыл бұрын
Ooh now this is a video my ears need to hear lolIm here from the FB Mom Group and I’m already sure I’m going to like this channel. Yes we need to learn to keep our budget down. Even though more money has come our way we don’t notice the breathing room because we are not organized with the spending. 🤦🏾♀️ so helpful. Glad I decided to check you Guys out. Subbing of course. 💜Drea
@OneBigHappyLife
6 жыл бұрын
Thank you for subscribing. I'm glad you are enjoying the shows. - Joseph
@CentsibleLivingWithMoneyMom
6 жыл бұрын
I have only listened to number one so far, but you both are right. I do not feel you can create wealth on a very tiny income. ( unless you have no expenses, and invest all your money) You both are so bright.
@OneBigHappyLife
6 жыл бұрын
Thank you! Right. Cutting expenses only goes so far. -Joseph
@TaylorDJennings
6 жыл бұрын
I wish my boyfriend and I could do these but he lives paycheck to paycheck with little room for even food. I'm a full time college student (granted, without a job atm) and I'm looking forward to spring 2019 when I finally graduate and can start using your helpful tips. Thank you!
@OneBigHappyLife
6 жыл бұрын
Don't put your finances on hold until X, Y, or Z happens. You can always do something to improve your position even if it is small. I know I definitely would have handled my time in school differently if I could go back. - Joseph
@TheKayleeanna
5 жыл бұрын
"Stop eating....!" ** both giggle ** Adorbs! Love you both! Excellent content! The yearly budget is LIFE CHANGING! Thanks!
@QueenHonestlySavage
4 жыл бұрын
You guys did great!!! Love watching u guys refreshing to see an authentic couple truly provide helpful information❤️
@TWDxKILL3R
6 жыл бұрын
I buy the used tires which are still in great shape for $35 a piece ....can’t beat it
@santanubhunia1302
3 жыл бұрын
Love from India. I am passionate about personal finance. Following your channel
@fraufarbenfroh2904
6 жыл бұрын
Good morning from Germany. I love your videos all!!!!! Budgeting, meal prep, baking, cooking, diy....please more. God bless you and your family❤
@OneBigHappyLife
6 жыл бұрын
Thanks so much for your comment! I love that you appreciate the variety of content we put out. We are all juggling so many balls when it comes to creating a life that we love. We are just happy to be able to share our tips along the way.--Tasha
@journey2debtfreedom936
6 жыл бұрын
You guys are such a lovely couple. Your channel has come a long way. I remember when it was just Tasha doing these videos. It made me smile watching this especially the last few seconds at the end
@OneBigHappyLife
6 жыл бұрын
Thanks. We really appreciate you sticking with us for the long haul. - Joseph
@LifeGoesNorth
6 жыл бұрын
Best life channel on YT. 👏🏻💛
@OneBigHappyLife
6 жыл бұрын
Aww! Thank you so much for your kind words! 😊--Tasha
@justRO814
6 жыл бұрын
Do you go into more detail in another video (series) on how you structured your dual incomes into one income for your household? My husband and I have discussed doing the same thing but we both have our own individual debts so how would we restructure paying individual debts and living expenses to one individual income? While not feeling restricted also. Xoxo Love your channel and content! Xoxo
@kamantha75
6 жыл бұрын
Whew! Lifestyle inflation really hit us when we both hit 6 figure salaries! That was a hard lesson learned for the both of us. Being content with what we have is what enabled us to see that we really didn't need anymore expensive material items. Really enjoy your videos.
@OneBigHappyLife
6 жыл бұрын
Thanks for watching and commenting. It is hard to relax the budget just the right amount. There will be some back and forth from time to time. -Joseph
@Royyal_tee
6 жыл бұрын
Beautiful couple and great tips! Glad I found your youtube channel!😊
@OneBigHappyLife
6 жыл бұрын
We're glad you found us too!-Joseph
@lisatiberi7448
6 жыл бұрын
Another great video! I'd love see a video about tips to help really figure out what things are important to one's happy lifestyle and what is just excess.
@OneBigHappyLife
6 жыл бұрын
Glad you liked it!--Tasha
@thewriteandpublishlab
6 жыл бұрын
First time catching your video. Love it. Planning/bugeting for the long term is something I am still learning. Thanks for sharing.
@OneBigHappyLife
6 жыл бұрын
You are welcome! Thanks for watching. 🙂--Tasha
@maeherme
6 жыл бұрын
I love that you have started including these little outtakes at the end. It's adorable and gives us a fun insight into your personalities and dynamic! You're always so put together, so it's nice to see this side of you too. :)
@OneBigHappyLife
6 жыл бұрын
I'm glad you like it. Thank you for the comment and watching. - Joseph
@paidmoney
5 жыл бұрын
Those are some great tips! Starting off with one of my favorites Make More Money! 👍
@journey2debtfreedom936
6 жыл бұрын
Me again..... I wanted to ask if you guys have a podcast? or would consider doing one
@OneBigHappyLife
6 жыл бұрын
We do not have a podcast. At least some of our videos are very visual and would not lend themselves to a podcast very well. -Joseph
@Yocyndie
4 жыл бұрын
They do now!
@SmithFamilyTravels
6 жыл бұрын
You guys are so inspiring! Thanks for the financial tips.
@OneBigHappyLife
6 жыл бұрын
Thanks for watching. - Joseph
@lisahopkins3645
6 жыл бұрын
Hey I'm new to you but I'm enjoying what I've seen so far my question to you is how to budget when you're on disability I only get $700 a month to live on do you have any suggestions I'm 56 years old and disabled to work add a 9 to 5 job I do occasionally sit with elderly people would love to be able to start my own business that way but I'm having a hard time getting the word out
@TheHello346
6 жыл бұрын
I have a request, I’m not sure if you have done a video on this yet but can you list out the types and number of accounts you guys have because I know you guys save for various things monthly such as possible car repairs or clothing, etc. I wanted to know if you guys put it all in one account or separate. Thank you so much for all the information you provide.
@OneBigHappyLife
6 жыл бұрын
It is on the list. - Joseph
@egrant2
6 жыл бұрын
Love the tips!! Make more money is the goal. However, my current position pays an ok amount per year but the real benefits are I telecommute 2 Days a week, have flexible work hours and AMAZING medical, vision and dental! It’s just so hard to find something else like this. I know I am worth more yearly but I have stayed because everything about my current small business I awesome. Any tips for this specific situation? (Also: rock that blouse Mama!! And Joseph: love your half zip!! Also, what do you both do??)
@OneBigHappyLife
6 жыл бұрын
There is a good chance that you'll be able to find all of that at a different job that has higher pay. It may take awhile to find though. You seem to not mine where you are which is good as long as you are meeting your goals. We're both attorneys. Tasha practices at a public interest position and I don't practice and work in real estate. -Joseph
@hsmomofmany9022
6 жыл бұрын
But I want it to go fast! Ha! ;) Our goal this year is to have 3 months of savings plus at least 10% to put down on a home. We are ready to have our own place again now that hubby is graduating!
@OneBigHappyLife
6 жыл бұрын
Congratulations to your husband on graduating or imminently graduating! Good luck.-Joseph
@ginarivera1881
5 жыл бұрын
Do you have a video on insurance policies?
@mrsaoallen1707
6 жыл бұрын
👍👍👍 good solid advice. Nice looking couple
@OneBigHappyLife
6 жыл бұрын
Thanks-Joseph
@AzanriLove
6 жыл бұрын
Great tips!! 👍🏼
@alisonrodriguez9548
6 жыл бұрын
Yessss that blouse!!!!
@OneBigHappyLife
6 жыл бұрын
Tasha is very happy that you liked her shirt. She went back and forth about what to wear. Also, we miss you.-Joseph
@luvmilocsllc9572
5 жыл бұрын
Hey y'all im late to the channel. I heard you mention that you will no longer spend money on expensive cell phone bills. What do u suggest? Are you buying used phones? Are you cell phone free?
@lisafoster8845
6 жыл бұрын
Very good tips. Thanks
@OneBigHappyLife
6 жыл бұрын
Glad you liked them Lisa!--Tasha
@oliden4977
6 жыл бұрын
Very good points
@OneBigHappyLife
6 жыл бұрын
Thanks for watching.-Joseph
@priusa8113
5 жыл бұрын
Tasha! Where r u from? So glad I found your channel:):)
@prestigeironoh7966
6 жыл бұрын
I love your channel
@OneBigHappyLife
6 жыл бұрын
yay!-Joseph
@lovemyellie9320
6 жыл бұрын
You must have a very huge income
@OneBigHappyLife
6 жыл бұрын
We each make in the low six figures and budget our main living expenses on a single income. - Joseph
@littlemissmuffet8607
6 жыл бұрын
They are both attorneys
@millytorres7829
6 жыл бұрын
Nice video. Thank you
@OneBigHappyLife
6 жыл бұрын
Thank you for watching!-Joseph
@desbelveal1035
6 жыл бұрын
Love your channel. I have 2 years left of school. I have a low paying job as an accounting assistant. Just got a raise and make $12 now. Not happy about it. I’ve worked here for 1 year. I want to be an accountant, so it may take 3 years. My question is.. should I go for a higher paying job now, and may mess up my Accounting experience. Or should I wait at this low paying job to get experience. I also have a 6 year old & live on my own. And received my associates degree last summer from community college. 💖💖💖💖💖💖
@OneBigHappyLife
6 жыл бұрын
In this case, I would refer you to your college's career services department. They will have a better idea of how important experience is compared to the degree they offer. In my personal experience. Many accounting majors would take a semester off during tax season and make so much money at an accounting firm that they would be able to pay for the rest of their school albeit without children. If career services says that experience is not as important, then definitely switch to a higher paying job until you are done with school. If experience is key, then start looking for a higher paying job with a different accounting firm. - Joseph
@ambermarie1075
5 жыл бұрын
Loving this advice... finally ppl with a KZitem channel with a brain 🙄 so glad I found u guys
@scholareleven9941
5 жыл бұрын
There's plenty brains around the YT Community...Very informative😊😊😊😊
@icawn
6 жыл бұрын
I'm still trying to figure out how to get my wife on board with smarter spending, saving, and investing. She was already divorced with children when I met her and it feels impossible.
@veganadventure5282
6 жыл бұрын
really fantastic guys!
@OneBigHappyLife
6 жыл бұрын
Thanks!--Tasha
@veganadventure5282
6 жыл бұрын
Would you be comfortable speaking more about your Dad, and how he's turned his job into a 6 figure income?
@OneBigHappyLife
6 жыл бұрын
+Vegan Adventure sure. My dad was a mechanic in Guyana. When he came to the U.S. he couldn't get a job as a mechanic so he worked as a security guard at night and went to a rechnical school during the day to become a diesel mechanic. He worked for private companies for a while but eventually got a job with the city. He has been there for over twenty years now. He makes close to six figures base but also works holidays and overtime on occasion which puts him into the six figures. Does that answer your question?--Tasha
@ptersroy
2 жыл бұрын
Hey, so my wife don't want to save together, open a joint account. I have no idea what she makes, her investments, I don't even know her ss #. I know nothing about her finance. We have no savings together, we own nothing together for the exception of our son. Few moths ago we had a problem of her co-signing for a car with my nephew, it was a big problme, long story short they didn't get the car, it's was a huge trust issue there. What do u do, what's ur thought please
@CentsibleLivingWithMoneyMom
6 жыл бұрын
I know you think Alexis will have many college expenses , but she may get a great scholarship.
@OneBigHappyLife
6 жыл бұрын
We are definitely keeping our hopes up for scholarship money. But we also want to be prepared just in case that doesn't happen. :-)--Tasha
@egbeetchu
5 жыл бұрын
What is an umbrella policy
@OneBigHappyLife
5 жыл бұрын
It is an insurance policy that covers a wide range potential risks above and beyond other policies that you may have like car or home. It is a way to increase your coverage to protect your assets in the event you are sued. - Joseph
@LisaGrace
6 жыл бұрын
Sounds like you are following the Dave Ramsey plan.
@OneBigHappyLife
6 жыл бұрын
No, we're not.--Tasha
@angelabracher3572
4 жыл бұрын
Lisa Grace Funny, I was thinking David Bach with the automation. Great advice!
@michougiraud8996
6 жыл бұрын
Hello Tasha and Joseph it's Micheka I had to sign up with another email to get a 3 months free of KZitem RED 😂😂😂that's why I have not been commenting lol but I subscribeb with this email as well.
@OneBigHappyLife
6 жыл бұрын
Welcome back. How was KZitem RED? Thanks for the double subscribing. Lol. - Joseph
@michougiraud8996
6 жыл бұрын
One Big Happy Life it's great no ads and the ability to play youtube in playback mode.
@jessicasposhlife1346
5 жыл бұрын
I just clicked on this and saw it had 999 likes, I got to hit the button and see it change to 1k 🙂
@DistinguishedBeauty
6 жыл бұрын
Your face is looking a lot more thinner. Good job mom!
@Marianj25
6 жыл бұрын
what jobs do you have??
@OneBigHappyLife
6 жыл бұрын
We are lawyers.--Tasha
@viridianalugo90
4 жыл бұрын
I can't find the why ya are not married video
@CluelessMamaD
6 жыл бұрын
Lol Uber frugal
@OneBigHappyLife
6 жыл бұрын
Thanks for watching!-Joseph
@carolynlindsay3285
6 жыл бұрын
I don't even make 50,000.00. How the hell do you save 100,000
@OneBigHappyLife
6 жыл бұрын
The biggest factor without raising your income is going to be time and investing. You can do it! -Joseph
@jayhulrs1435
6 жыл бұрын
What are your incomes??
@twistedstepford857
6 жыл бұрын
If you watch their budgeting videos, you can see this.
@OneBigHappyLife
6 жыл бұрын
We both make in the low six figures.-Joseph
@Sage_Zero0
5 жыл бұрын
@@OneBigHappyLife i want in lol
@bjornekdahl721
4 жыл бұрын
Honestly, what Average Joe couple can save $100K in a year? The annual median personal income in the US is $31K ... Is this really realistic? Don't you pay tax?
@nickc874
6 жыл бұрын
Wait you saved 100k yet are in debt up to your ears? Hmm I must not understand the math.
@OneBigHappyLife
6 жыл бұрын
It's pretty easy to understand. We started the year last year with $164,000 in savings. We currently have $265,000 in savings. That's an increase of over $100,000. We also do have debt, yes. Our savings gave us an extra $50,000 last year. Our debt cost us $15,000 (largely the mortgage some of which we'd pay even if we were renting). That means we are $35,000 better off by not paying off our debt just from that one year. Check out our videos on saving vs paying down debt for more info on the math.--Tasha
@OneBigHappyLife
6 жыл бұрын
Erin Sandwell because our net worth is increasing year over year. Someone who was debt free today would have to save double what we do to have a $1 million net worth like we will in eight years. Like we always say, debt is only one part of the financial exquation. Focusing on it exclusively could lead to making financial decisions that leave you worse off than you otherwise could be.--Tasha
@OneBigHappyLife
6 жыл бұрын
gemmabean actually, we are betting that most people aren't irrational and are able to use facts and math to understand the way that personal finance actually works instead of relying on personal insults and propaganda to scare people into compliance. And so I invite you, since you feel you are qualified enough to judge us as not qualified, please explain how our math is wrong or how any of the financial principles that we have discussed are wrong. Oh and support your claims with facts and figures and not insults and opinions. I'll be waiting.--Tasha
@PlayWithSunshine
6 жыл бұрын
It’s pretty simple Nick. The cost of debt (example could be around 4%) vs the return on the same $ if invested (could be say 11% in a riskier but stable investment fund) so they would make 7% more on the $ if they invested vs paid off the debt. Another example: if you bought a house for say $1000 but you could have invested that $1000 in a fund and got 15% return and mortgaged the house at 3%. At the end of the day, you make more money. Debt isn’t a bad thing if the rates are low and you are making money investing too.
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