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10 Small Ways To Get Your Finances In Order | Money Tips | Aja Dang

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I'm Aja Dang and here are my top 10 small ways to get your finances together! As someone who is budgeting to pay off their student loan debt, I know how exhausting and frustrating money can be. It's easy to get lazy and give up BUT I hope these money tips and tricks will help you stay the course.

The journey towards financial freedom is not an easy one and money management doesn't come easy for most of us. So if you have a couple off months, that OK but don't give up! Hopefully this video inspires easy ways to save money and spend less.

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Author

actually I am exited now about being budgeting for the rest of my life. Today I know based on my bugdet for 2019, that in the end of the year I will be saving up for a trip to NY in 2020 and that I will still have a emergency cushion on my second bank account. And I didnt do more than planning out my 2019 fixed expenses and income on an excel sheet, giving myself a reasonal budget for my day to day spendings like fun stuff and groceries and cutting down on a few expenses that werent worth it. Doing this sheet seemed scary in the first place because I didnt know what I will be ending up with (a tiny cash flow or even a negative balance?). But I just did it and then I knew what I had to work with and i could start adjusting my expenses. Now I even love budgeting and being a mindful spender. I am no longer an impulsive shopper on amazon or at grocery stores and it is actually liberating. It is a great feeling to look at the following month and know that I will be able to put aside money for whatever and just do it right away before it can be spent somewhere else. All my teen years and university life I was struggeling with money and being broke in the middle of the month. All this just because I avoided doing the math. There are still expenses that surprise me but I can either pay them from my day to day spending budget or I can use my emergency pot which I ve been saving for in good months.

Author — Stefanie Mangold

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Can you do a video explaining how you share/allocate expenses with your boyfriend? This is an issue for lots of us. Sometimes it sounds like you individually pay for a lot of the monthly expenses.

Author — VSG elle

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My goal was $6500 a year in loans the day before I watched your first vlog on debt. I immediately subscribed and have loved being part of this journey with you and your little community of debt slayers 😂. 15-16 months in, and I hit $24, 000 in student loan payments yesterday! I submitted the payment and tried hide my tears of excitement/pride before someone walked past my desk at work 😂😂😂. Just wanted to say thank you for keeping us motivated and being so transparent!

Author — Alexis Wright

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If I'm honest these videos have been a lifesaver. You've helped me organize my finances to where I'm throwing an extra $500/month to credit card debt. I have paid off 2 this year and should have another half paid off within the next few months. They didn't teach this in school, and I always felt stupid for not knowing even though we aren't really taught.

You should do a video on taxes and how-to's?! Because I'm still struggling with those and truthfully I haven't done them yet...

Author — Marissa Lee

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Using a credit card can be SO POWERFUL for people needing to build credit. You should make a video on how to use one *correctly*

Author — Daniel Iles

Author

I really like the majority of this video. However there are ways to safely utilize credit cards. I currently use mine as if it’s my debit card. I only spend what I can afford, immediately pay off the card and with doing so I earn points which can translate to free money. I feel this is important to do because a major part of financial stability is credit, having tons of money can only get you so much when you don’t have credit.

Author — Jae By Day

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Automation for saving, investing and bill paying has been the biggest thing for me when getting my finances in order. This has helped me to pay down $45, 000 of debt. Still, have about $60k to go, but automation removes your feelings from it all. I couldn't trust myself to do some important financial things without automation.

Author — The Wealth Vibe - Shana Green

Author

deleting the starbucks app on my phone was one of the best/simple/surprisingly effective things I did for my budget. I was totally in denial about how much I was spending there. When you reload on the app you just don't make the connection with the money leaving your bank account (or credit card :/ ) I still get a latte here or there, but I'm way more likely to just get a brew coffee now that I'm not obsessed with the extra star challenges...

Author — Emmit643

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April is Financial Literacy Month! You can never have too many finance videos this month. These were some really good tips! -Akeiva

Author — The Bemused: Making Sense of Money 💰

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Thank you thank you thank you! I pray that all the good you're putting out into the world comes back to you and your loved ones many times over for many generations. (Sorry, I'm African- we pray for you, your children and your children's children's 🙃)

Author — Fatima Muhammed

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You have so rapidly become one of my favourite YouTubers of all time, thank you for sharing your journey, it helps others more than you could ever know

Author — Caoimhe Ní Mhuireadhaigh

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Paid off not 1 not 2 but about to be 3 credit cards and it is only April! Thank you for the transparency and motivation!

Author — Nicole Solis-Sison

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I found unfollowing brands on social media helped me from seeing ads to BUY BUY all the damn time.

Author — Michael Olila

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Love your finance vids! I really need this. Question though. Doesn't having a credit card build credit? I've been denied refinancing my student loans by at least 3 companies because I didn't have what they called "revolving credit" which can be gained though having a credit card. Would love to hear how you build your credit in ways other than having a credit card. Having one has definitely raised my score- but it's been a slow process. Thanks!

Author — XXAsagiXX

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whew i unsubscribe from most email newsletters as soon as i receive the first promotion. it creates less mess, less temptation, and more room for positive reinforcement from informational sources like newspapers and financial bloggers.

Author — Joely L.

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Something that's helped me is to grocery shop (with a list) at a grocery store instead of Target. If I don't have to walk by the home goods, the candles, and the clothes, I'm not tempted to buy them while I'm buying milk and cereal. My other tip is to switch one thing on your typical list to generic. We like the Kroger brand version of a certain cereal just as much as the branded version and it's much more affordable. We buy 3 boxes a week, and we save close to $12 each week by choosing that one generic item.

Author — Sarah Catherine Billups

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p.s. I love you, you helped me get organised and organise my finances, so a year on I have cleared about £4000 worth of debt, which doesn't sound like a lot, but to someone who is a student and works two minimum wage jobs, it really was. I've dropped one of my part time jobs, freelance dog walk, and am smashing through my studies! Thank you so much! I know a lot of beauty gurus online are focussed on some expedient things, but you've really tapped into an intrinsic wish into so many, and on behalf on everyone you have helped, thank you so so so much, please let me know if you ever want to visit Scotland, I'd be happy to have you!

Author — Sofiya

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The subscription thing is SO REAL. i had Tidal *just in case* and never used it. i recently cancelled it and, whilst i want to support the business, i'm better off with another £10pcm to put towards paying off the last of my debt! £1900 to <3

Author — Niesh Vanterpool

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No one really explained to me how credit cards work. And i really dug myself into a ditch. But after watching this, I am going to end my gym membership and going to start putting that money into one of my cards i really want to pay off

Author — Krystal Ituarte

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I canceled my Netflix account and just realized I'm saving almost $160 a year

Author — AngelicaB