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that's what we are all trying to get where the money resides wait a minute okay let me tell you right now i got all these good deals hello how are you lovely lovely beautiful beautiful people doing today this is the first video of 20 21 20 20 21 so like most people for the new year you have some goals some things you would like to achieve and for some of you that might be you know saving saving your coins you know stacking your coins or just budgeting right you have come to the right place please check out my socials it is diva dj 14 on tick tock and the life of danielle james on instagram let's get into this video tip number one you need to figure out why you're saving in the first place because that is the biggest mistake that i see a lot of people making and that is that they don't even know what their end goal is how can you start when you don't know where the heck you're going to end and i know some people would be like oh i just want to save as much as we possibly can or as much as i possibly can before right no you just saved twenty dollars before that date you still save twenty dollars and you didn't give a goal so your goal was i want to save up until this point you didn't give yourself anything obtainable to achieve so you don't know if you did it right so give yourself a clear objective a clear goal a clear thing that you are trying to get after that is step one okay okay second you need to be honest with yourself okay be honest with yourself and this is where people mess up right they get their budget right they get their checks right together they write it down they'll be like oh i'm only gonna spend this much on groceries i'm only gonna spend this much on this and i'm gonna take care of my bills and i'm gonna save everything else baby you and i both know you're gonna be door dashing you're gonna see something cute on fashion nova it's gonna have a sale okay you're gonna want to treat yourself like come boy if you don't get so be honest with yourself in my budget plans i put things like my hair my nails and like basically like girly maintenance things and stuff like that as a bill because i want it done i'm not gonna be okay if my hair isn't done i'm getting a little itchy feeding right now but i'm getting back to my hairdresser soon okay girl so i'm coming for you anyway you need to have those things outlined because they're important to you clearly because you spend your money on them so make sure it is a bill and then in terms of groceries and food and expenditures and stuff like that you know put how much you really spend and how much of those groceries do you actually use and how much do you really eat out now if you eat out a lot of course you need to cut back on that okay but be honest put everything down write it out and be truthful like look at your old account history so you know where your money is going and that is a good place to start right so this is what you do you get your check let's say your check is like a thousand dollars hypothetical situation i'm using a thousand as the standard just because it'll be easier numbers okay you have your thousand dollars like so right now we're gonna break down your bills so we have things like your rent your car and your bills right let's break those down let's say your rent hypothetically is going to be 500 then we'll say that your car maintenance and stuff it's going to be 100 perfect world i know and your rest of your bills are going to equal 100. total that up that'll be 700 we're going to minus that by a thousand that leaves you 300 left right cool so with the rest of that we're going to put things like our self-care like our hair our nails etc so then we'll total that up that'll say a hundred perfect world i know again food we'll say food is going to cost us grocery wise like 75 right um and then there's also gas so let's say 25 bucks for that all right that'll give us 200 that's 200 we're going to be subtracting from the 300 and that'll leave us with a hundred dollars to decide what we're going to do with whether we're going to save or spend it that's up to you but that's what you have in disposable income now whatever money is a left is money that you can decide what you want to do you can take half of that and save it you can take like 25 of it 10 of it whatever you prefer to do take that and save it and then you have that little money to like do with whatever you want if you do that consistently then that would be a good way for you to budget and to save that way another way is the old tried and true piggy bank but here's the thing we're adults we know we can just unscrew it you know what i'm saying you need to put it in something okay far far away if that's like underneath your bed or if that is like in a locked safe somewhere that is going to be hard to get into put put some money in there just whenever you have some ones laying around or you have like a five here some change here put it in there and then don't touch it don't touch it okay until whatever that date is or that thing that you want is and you can count it and see how much you save and honestly if you do what i'm telling you in conjunction with one another you're you're gonna be amazed at how much you save like genuinely speaking um and the reason i'm so good at saving and i think the reason why i'm so good with money if i say so myself is because from a very young age i was saving my little quarters and i had like a little piggy bank that was actually like a bear but it was a piggy bank and i would put my coins in there and save in there and i was taught um my aunts my grandparents they gave me like coin rollers that old school coin rollers where you have to do like a certain amount in like a stack of this is like a dollar or whatever and i learned how to do that from a young age like i was like maybe six six years old being able to count my money going to the bank like depositing my rolls of quarters and and dimes and stuff like that's why i think i have a good grasp on um you know my coins today you know next tip in terms of and i touched on this briefly but in terms of cutting back if you do spend a lot out you know i'm a person i love me a good iced coffee that is my advice okay it just isn't the same yes i have a keurig yes i have a regular coffee pot yes i can buy the the the concentrated stuff it's just it just it just it doesn't hit the same as in my little car getting my coffee it just doesn't get the same but this is what you can do so you don't feel as bad right limited to maybe two times a week like if you go five times a week limited to just two times a week you go seven days a week maybe just three times a week you know something like that so that way you're still feeling like you're getting it right but you're not spending so so much so also don't fall for this trick my first degree is in psychology and something that a lot of marketers use is the small medium large scale right so if i tell you this coffee the small coffee is two dollars the large coffee is six dollars you of course you're trying to save your coins like no i'm going to get the small because who needs six dollars you know to spend on a coffee right but what they do is the medium will be like 550 and so then in comparison you look at the large now because your brain right you look at the large and you go oh wait that's that's only 50 cents more so really i'm getting a deal right and i'm getting a large no baby you don't forgot all about the small because they done distracted you with the medium okay that's that's that's what these people are doing okay now other ways that you can save figure out where you can save on things and when you shouldn't so save your coins for the things that are really going to be valuable you should not be spending 30 on a plain white t-shirt what baby baby no no okay we should not be doing that in 2021 are you kidding me there's so many options out there okay next thing if you're trying to save and save well then you need to be thinking about a savings account do not get a savings account if they are not giving you a good apy let me tell you something these banks out here are some scammers okay they don't care about your money they don't care about it because as soon as you put it in there they get to use it see this is the thing that i think people visualize okay and this is another like marketing thing that people are being tricked and deceived okay so your savings account most people in the general public think a savings account works like a checkings account but that you just can't touch it that is not the case so a checklist account theoretically right you're putting your money in this checking account and then you take your debit card or go to the atm and you take your money out and whatever's there is there and you take your money out and blah blah blah right a savings account your money technically isn't there because that money is now being used by the bank the bank is using your money to go do things because you cannot touch it for whatever amount that's why they only allow you to take it out like once a month or whatever because they're using your money you know if we're thinking about this in a grand scheme they're using your money to do whatever they need to do that's why you can't remove it as as frequently as a checkings account now what they do to intrigue you because that seems like a scam right why would i put my money in a place that you're going to be using and doing blah blah blah blah they say oh investing we're going to give you this percent on your money if they are not giving you at least at least at minimum one percent on your savings then you don't need to be saving with them so those big corporations like chasing them it's a no it's a no man pam because if they're giving you right a zero point 0.00001 percent on your money dollars okay that means that in a thousand dollars you put in your savings account you worked hard do you know that in a year you will get 10 cents 10 cents for a whole year of investing you will get a whopping 10 cents sounds deplorable right because it is okay but they are banking on the fed they're banking not they're banking they're faking they're banking on the fact that you don't know but you subscribe to the life of danielle james channel so you are not the average joe schmoe oh no no no no you are educated okay you are so if it is not if it is not at least one percent you're walking away okay and that should be a one point zero percent as the absolute minimum okay minimum okay now the highest places that usually will be either an online bank um capital one has a great one um ally also credit unions like your local mom and pop type of it's not a mom and pop but local scales banking stuff usually have better apys then um then like a big mass produced franchise and stuff like that so basically if if you see it every state you go to they don't have a good checklist account for you baby they just they just they just don't okay okay next here's another fact that i want you guys to take away from this that is a psychological thing right okay credit cards debit cards these little plastic things that we use your brain it's so weird your brain just kinda forgets that like when you swipe it the money leaves right like it's it's gone so you just keep swiping because your card is here and your card is still here like you swipe it you your card is here so you're like oh i'm good i'm straight yo your brain is like oh we're good we're balling we're no see what you need to do is get you some cash because statistically speaking people spend less money when they have cash than when they use their card and why is that it's because when you give the person a 20 bill and it costs 18 you only get a dollar and some change back and you're like um this is less right your brain sees that dollar okay because your thing was like 18 in taxes or whatever right so your your brain sees this dollar and change and goes wait where's my money okay so that is important to think about so um yeah just just yeah but anyway that's either here nor there and you're you know shopping like say you're having a girls day or whatever get cash baby get cash especially if you want to stick to a budget when you're out get cash when that cash is gone baby it's time to wrap it up time to kind of kind of say goodbye to the store because that card will get you in trouble every single time last tip that's something that i use is i use the envelope um technique and it's similar to the cash thing it's basically um whatever i set up for my spending whether that's bills my like feminine maintenance or whatever like extra food money or whatever i put the designated amount that i'm giving per paycheck to that or like by the month or whatever that you would prefer to do it because you can do by month if you get paid by weekly you do it you know every two weeks or whatever on what i'm gonna spend in that time frame you know what i mean and that keeps you on track because the same way when you go out with your girls and you have your amount and you see that money start to diminish okay when you see that envelope get less thick you'd be like oh i need to slow my roll okay it was too much chipotle today it was too much starbucks this week okay and i gotta wait i gotta make it another week i gotta slow down and that'll help you do that because it's a visual representation of everything instead of just keeping everything in the same spot does that make sense i think that makes sense anyway thank you so so much for watching this video i hope that you enjoyed it if you did please give it a thumbs up please tell me in the comments which tip helped you the most and let me know what you would like next on my boss up series um i think that's what i'm going to call it i might find something else that's a bit more you know i don't know batty inspired maybe my baddie 101 batty 101 i like that i like baddie 101 because i want to meet you guys make sure you guys are looking good smelling good feeling good you know have your coins together because we i mean i got time okay we haven't got time for the foolishness this year okay okay thank you so so much for watching again and i will see all you lovely lovely beautiful beautiful people again next time with another video bye guys [Music]