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Pennies Not Perfection
США
Добавлен 24 янв 2009
Getting better with money without being perfect.
I've made plenty of financial mistakes but I've learned from them and so can you.
You don't have to be perfect to win with money. You just have to be motivated and consistent.
Thanks to budgeting and learning about money I paid off $82,000 in debt, built a $100k+ portfolio, and set my family on the path to financial independence.
You will see videos about:
- budgeting
- paying off debt
- saving money
- investing
- home ownership
- financial apps
Little actions we take with our money compound to hit BIG MONEY GOALS.
Every Tuesday we share our personal money moves toward our goals on "Transfer Tuesday", which I started in October 2019 to encourage myself to earn more money and pay off debt faster.
Website: penniesnotperfection.com
Shop: penniesnotperfection.com/shop
Newsletter: penniesnotperfection.com/personal-finance-newsletter/
I've made plenty of financial mistakes but I've learned from them and so can you.
You don't have to be perfect to win with money. You just have to be motivated and consistent.
Thanks to budgeting and learning about money I paid off $82,000 in debt, built a $100k+ portfolio, and set my family on the path to financial independence.
You will see videos about:
- budgeting
- paying off debt
- saving money
- investing
- home ownership
- financial apps
Little actions we take with our money compound to hit BIG MONEY GOALS.
Every Tuesday we share our personal money moves toward our goals on "Transfer Tuesday", which I started in October 2019 to encourage myself to earn more money and pay off debt faster.
Website: penniesnotperfection.com
Shop: penniesnotperfection.com/shop
Newsletter: penniesnotperfection.com/personal-finance-newsletter/
Capital One 360 Review: Is It The Best HYSA?
I've been a Capital One 360 customer since before it was even Capital One! I've been very pleased with the performance checking and savings account products there.
Capital One 360 provides a great option for a high yield savings account. It's not the absolute best rate you can get on your savings but it's consistently high and doesn't require any hoops to get it. It's a solid choice if you want a high yield savings account from a brick and mortar bank with lots of locations and ATMs.
Have you used the Capital One 360 checking or savings accounts? What did you think?
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CASH BACK APPS
⭐️ Rakuten ($20-$30 bonus cash back app) ➝ penniesnotperfection.com/Ra...
Capital One 360 provides a great option for a high yield savings account. It's not the absolute best rate you can get on your savings but it's consistently high and doesn't require any hoops to get it. It's a solid choice if you want a high yield savings account from a brick and mortar bank with lots of locations and ATMs.
Have you used the Capital One 360 checking or savings accounts? What did you think?
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CASH BACK APPS
⭐️ Rakuten ($20-$30 bonus cash back app) ➝ penniesnotperfection.com/Ra...
Просмотров: 993
Видео
Funded 2024 Financial Goal + House Savings Update (TRANSFER TUESDAY)
Просмотров 2,2 тыс.14 часов назад
✅ Last week's video ➝ ruclips.net/video/A16tAQVcIww/видео.html ✅ Get email updates ➝ penniesnotperfection.com/personal-finance-newsletter/ This week I'm celebrating your wins and also sharing my house savings update. My 2024 financial goals include: Maxing my Roth IRA ($7,000) Saving for a house downpayment ($10,000) Pay cash for all vacations! TRANSFER TUESDAY: I started the Transfer Tuesday m...
Is saving money even worth it?
Просмотров 2,9 тыс.День назад
Should you be saving more? Or spending in the moment? What's the best way to balance the two? ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ CASH BACK APPS ⭐️ Rakuten ($20-$30 bonus cash back app) ➝ penniesnotperfection.com/Rakuten ⭐️ Fetch Rewards (Receipt scans app, $2 referral code, MV7RR) ➝ bit.ly/2G0vEtZ ⭐️ Ibotta ($10 bonus cash back groceries) ➝ penniesnotperfection.com/ibotta ⭐️ Upside (Cash...
DEBT FREE Wins + House Savings Milestone (TRANSFER TUESDAY)
Просмотров 2,2 тыс.День назад
✅ Last week's video ➝ ruclips.net/video/-PZmBVZ9aGU/видео.html ✅ Get email updates ➝ penniesnotperfection.com/personal-finance-newsletter/ This week I'm celebrating your wins and also sharing my house savings update. My 2024 financial goals include: Maxing my Roth IRA ($7,000) Saving for a house downpayment ($10,000) Pay cash for all vacations! TRANSFER TUESDAY: I started the Transfer Tuesday m...
6 Steps To Pay Off Debt (That Actually Work)
Просмотров 2,5 тыс.14 дней назад
✅ Debt Freedom Workbook ➝ shop.penniesnotperfection.com/products/debt-freedom-workbook Apps for money & debt tracking: ➡️ Quicken ➝ penniesnotperfection.com/quicken/ ➡️ Monarch Money ➝ penniesnotperfection.com/monarch-money/ Create a debt payoff plan free: ➡️ Unbury me ➝ unbury.me/ ➡️ Vertext 42 ➝ www.vertex42.com/ I've paid off over $80K in debt over the years and those experiences helped me c...
House Savings Update & Self Improvement Summer Goals (TRANSFER TUESDAY)
Просмотров 2 тыс.14 дней назад
✅ Last week's video ➝ ruclips.net/video/73az-wFUbnQ/видео.html ✅ Upside ➝ penniesnotperfection.com/upsideapp/ Code: RXZNW ✅ Wealthfront ➝ penniesnotperfection.com/wealthfront/ This week I'm celebrating your wins and also sharing my house savings update and giving a Roth IRA progress update too. My 2024 financial goals include: Maxing my Roth IRA ($7,000) Saving for a house downpayment ($10,000)...
Priced Out Of Home Ownership: What To Do When You Can't Afford A House
Просмотров 3 тыс.21 день назад
The median home listing price in the U.S. has jumped to over $400,000 -an increase of over $100,000 from just four years ago. Add to that high rates and rising insurance costs and many of us are priced out of buying a new home. In this video I talk about what to do if you can’t actually afford to buy a house right now. If you’ve been wondering how are people affording houses, then this might be...
Celebrating Your Financial Wins + Our House Savings Progress (TRANSFER TUESDAY)
Просмотров 2,8 тыс.21 день назад
✅ Last week's video ➝ ruclips.net/video/69OZfoYkHVU/видео.html ✅ Congratulate Michael ➝ ruclips.net/video/CmHgtVGlTyM/видео.html ✅ Wealthfront ➝ penniesnotperfection.com/wealthfront/ This week I'm celebrating your wins and also sharing my house savings update and giving a Roth IRA progress update too. My 2024 financial goals include: Maxing my Roth IRA ($7,000) Saving for a house downpayment ($...
What To Do With Your Money Every Month
Просмотров 1,9 тыс.Месяц назад
Budgeting sheets I use ➝ shop.penniesnotperfection.com/products/pay-yourself-first-budget-printable-planner The bank I currently use ➝ ruclips.net/video/c5wUerkH6KQ/видео.html How to save $10,000 ➝ ruclips.net/video/uImttr1JpDo/видео.html Not sure what money tasks you should be doing? This list gives you ideas for what to do with your money each day, week, month and year. ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ...
$10K House Savings & Roth IRA Updates (TRANSFER TUESDAY)
Просмотров 2,2 тыс.Месяц назад
✅ Last week's video ➝ ruclips.net/video/zWhVJQaARFA/видео.html ✅ Wealthfront ➝ penniesnotperfection.com/wealthfront/ This week I'm sharing my house savings update and giving a Roth IRA progress update too. I'm also sharing the beginnings of my summer challenge on a personal level... I may make a separate video with details! My 2024 financial goals include: Maxing my Roth IRA ($7,000) Saving for...
The Simple Budgeting Method That Changed My Life
Просмотров 4,4 тыс.Месяц назад
My favorite places to keep sinking funds currently: ✅ Wealthfront ➝ penniesnotperfection.com/wealthfrontcash ✅ SoFi ➝ penniesnotperfection.com/SoFi50 ✅ Capital One 360 ➝ penniesnotperfection.com/CapitalOne360 Sinking funds are a part of budgeting that honestly changed our lives. Before I implemented sinking funds I could not figure out why month after month our budget failed. Have your heard of...
Savings Update While Life Is BUSY (TRANSFER TUESDAY)
Просмотров 2,1 тыс.Месяц назад
✅ Last week's video ➝ ruclips.net/video/5lDL9y2CMa8/видео.html ✅ Wealthfront ➝ penniesnotperfection.com/wealthfront/ This week I'm sharing my house savings update and the 6 different ways I'm saving money and putting it towards this goal. I'm loving this time of year and how much progress we are starting to make with this goal! My 2024 financial goals include: Maxing my Roth IRA ($7,000) Saving...
An (HONEST) Day In The Life Of A Full-Time Content Creator Business
Просмотров 1,2 тыс.Месяц назад
Try Relay ➝ penniesnotperfection.com/relay/ Thank you to Relay for sponsoring this video and helping me organize my business accounts so I'm feeling much more confident in my finances! In this video I share my realistic day and the schedule I follow as a full time content creator. I try my best to balance creating content and being a mom but sometimes the guilt on both sides can get me! Sharing...
The Paycheck Routine That Changed My Life (DO THIS EVERY PAYDAY)
Просмотров 12 тыс.Месяц назад
Budgeting sheets I use ➝ shop.penniesnotperfection.com/products/pay-yourself-first-budget-printable-planner The bank I currently use ➝ ruclips.net/video/c5wUerkH6KQ/видео.html How to save $10,000 ➝ ruclips.net/video/uImttr1JpDo/видео.html In this video I'm sharing my current paycheck routine after years of budgeting. We currently budget weekly because we have a payday every single week. This is...
Am I SERIOUS About Saving For A Downpayment? (TRANSFER TUESDAY)
Просмотров 3,1 тыс.Месяц назад
✅ Wealthfront ➝ penniesnotperfection.com/wealthfront/ This week I'm sharing my house savings update and the 6 different ways I'm saving money and putting it towards this goal. I'm loving this time of year and how much progress we are starting to make with this goal! My 2024 financial goals include: Maxing my Roth IRA ($7,000) Saving for a house downpayment ($10,000) Pay cash for all vacations! ...
5 Frugal Living Habits That Are NOT WORTH IT
Просмотров 2,3 тыс.Месяц назад
5 Frugal Living Habits That Are NOT WORTH IT
Making Changes & $10,000 House Savings Update (TRANSFER TUESDAY)
Просмотров 2,5 тыс.Месяц назад
Making Changes & $10,000 House Savings Update (TRANSFER TUESDAY)
10 Frugal Living Habits That Made My Life EASIER
Просмотров 2,3 тыс.Месяц назад
10 Frugal Living Habits That Made My Life EASIER
$10,000 House Savings Update (TRANSFER TUESDAY)
Просмотров 2,1 тыс.2 месяца назад
$10,000 House Savings Update (TRANSFER TUESDAY)
Managing Financial STRESS & Inconsistent Income (As A Business Owner)
Просмотров 1,3 тыс.2 месяца назад
Managing Financial STRESS & Inconsistent Income (As A Business Owner)
House Savings Update & Birthday Week (TRANSFER TUESDAY)
Просмотров 1,9 тыс.2 месяца назад
House Savings Update & Birthday Week (TRANSFER TUESDAY)
How To Setup Savings Buckets In Wealthfront Cash Accounts
Просмотров 2,5 тыс.2 месяца назад
How To Setup Savings Buckets In Wealthfront Cash Accounts
Big Savings Week & New House Savings Milestone (TRANSFER TUESDAY)
Просмотров 2,3 тыс.2 месяца назад
Big Savings Week & New House Savings Milestone (TRANSFER TUESDAY)
Signs You Are Doing Well Financially (Even If It Doesn't Feel Like It)
Просмотров 3,6 тыс.2 месяца назад
Signs You Are Doing Well Financially (Even If It Doesn't Feel Like It)
TRANSFER TUESDAY | Saving MORE Each Week & Solar Eclipse Travel
Просмотров 2,2 тыс.2 месяца назад
TRANSFER TUESDAY | Saving MORE Each Week & Solar Eclipse Travel
Monarch Budgeting App REVIEW (After 6 Months)
Просмотров 8 тыс.2 месяца назад
Monarch Budgeting App REVIEW (After 6 Months)
Struggling To Save, Trying NEW Things + House Savings Update (TRANSFER TUESDAY)
Просмотров 3,9 тыс.2 месяца назад
Struggling To Save, Trying NEW Things House Savings Update (TRANSFER TUESDAY)
I almost didn’t film this… (TRANSFER TUESDAY)
Просмотров 2,3 тыс.3 месяца назад
I almost didn’t film this… (TRANSFER TUESDAY)
How To Get Ahead Of 99% Of People Financially (In 12 Months)
Просмотров 4,7 тыс.3 месяца назад
How To Get Ahead Of 99% Of People Financially (In 12 Months)
My daughter had an ING account before she was born. Her college fund has been in her now Capital One 360 sincethey converted in 2012. She's now a senior in high school. They have terrific customer service.
Thank your Government for spending Trillions and Trillions of Dollars they do not have.
Love your content! Just by the title i saved this video to watch later
Awesome! Thank you!
YOU VOTED FOR IT . IDIOTS. VOTE TRUMP IS THE ECONOMY STUPID. FUKK UR FEELINGS
One other Pro with Capital One 360 is you can deposit cash into your account at CVS (and also possibly Walgreens). I’ve use this a couple times of times which is awesome. It’s just like depositing at a bank. The money is instantly available. As for transferring funds to other institutions, I use Zelle. As long as the other account also has Zelle, the transfer happens within minutes. It’s been a life saver. One con for me is I do get 2 day early direct deposit with my checking account, but not with savings. Not a big deal as it’s very easy to transfer money, but it can disrupt my budget routine sometimes.
I'm 55 and earn about $450k annually, only save 30% in HYSA's. I've been reading a lot of articles mentioning how worthless 'cash savings' are in this current unstable economy, thus my question - real estate, stocks or gold, which will be a better investment as of now?
Make it happen! I'm working on 31k student debt right now
Quick question out of curiosity, do those separate savings accounts have their own individual account numbers or do you have to deposit/transfer money into the main checking account then distribute the different amounts into the different/separate savings accounts??🙈
They all have different, individual account numbers. I have 7 different accounts with them and each has its own number.
@@ResonatedReadings thanks! That's actually so cool.. easy to transfer from other accounts if necessary 😃
Would you reccommend it over Wealthfront?
Depends on your needs. I probably would since it’s an actual bank and Wealthfront is fintech so it’s not actually a bank itself and operating with a partner bank.
Can you go to a branch and withdraw cash on those higher 4.25 percent rate accounts.
Sure it’s a savings account so it operates like any savings account where you can take money out.
Thank you for the review!
As someone with 2 jobs; companies that use paycom and ADP I only get that check a day early. My government job, I get that 2 days early. I just wish they had an add on cd for money you don’t want to have easy access to.
Thank you for sharing. I have both with Capital One 360 😊❤😊
Very nice!
I used to have ING Direct, that was so long ago
It really was!!
I like capital one 360 opened one for my teen and just changed to th HYSA after the regular account grew. Helps teens save money...I think😊
I like the convience of this bank.
It’s been very convenient for us!
I love them. I have several savings accounts dedicated to my month ahead and big sinking funds, like car, travel, pet, christmas/family. I also have my 5 year CD ladders.there and just started monthly CDs there too.
Love it!
Hey Mary would you recommend having 2 separate HYSA accounts
Depends on your goals! I like having separate accounts personally but doesn’t work for everyone.
I love capital one 360 checking and savings.
Cap1 is ok in my opinion. I like the Performance Savings. Ok service, chat is better like you said. I also have Discover, so we’ll see how it goes. I’m researching for higher yield credit unions and banks to spread out my dough 😃
I have used them for years too. I like being able to have multiple savings and use like envelope system. Their interest rate is good (not best rate for me but still very good)
Thank you so much for all the information you provided. The only question I have, is there specific time for saving money to be in the account before earning the interest? Like if you put $1000, can Start earning interest and if I need the money a month later, I can withdraw? Or it has to stay in the account for certain period?
I have their HYSA and it earns interest monthly.
@@marcosylviat2832thank you for replying. Appreciate it.
Any experience with Marcus (Goldman Sachs) or Synchrony??
Not yet but on my list to try! I have heard good things about Marcus. I did have a credit card with synchrony and wasn’t a huge fan but no experience with any other accounts.
Thank you for sharing this information! This was THE video that convinced me to officially create my first high yield savings account. I used your link to get the 5.50% APY so I hope you enjoy the boost as well. Thank you, thank you, thank you !
That shirt & the hair looks soooo good on you ❤
Another fab video. You look lovely too - that top really suits you 🌞
Thank you so much
Congratulations 🎉 🎊 on vacation on your fully funded vacation 🙌 You look fabulous!!
Thank you so much!!
Woohoo! It’s so nice to be able to go on vacation and not stress about how to pay for it. Nice work on your transfers, Mary! 🎉
If you want to use my link for an additional .5% boost, just let me know!
You look pretty Mary 😍 ✨️ 💛
28 weeks here and I FING hate pregnancy.. 😑 baby #4 due September 17th and it’s only June 25th.. 😱 I can’t wait for it to be over! MISERABLE NEVER ENJOYED PREGNANCY EVER. I’m getting my tubes tied while they do my C-section! 👏🏼👏🏼👏🏼🙌🏼🙌🏼🙌🏼 thanks for this it makes me not feel like a b*tch. Lol
Great video, Mary. Happy Transfer Tuesday! I hit my savings acc't goal!! 🎉 now just keep saving and adding to it 🎉
Your top looks so good on you ❤
So true
I transferred $131 to my brokerage account. 🎉
Stunning 😊
Do they have wiring if i need lump sum for a house purchasing or somethimg?
Hi Mary! You look so pretty!!!
Summer. Love your top
Can't wait for our summer... it is winter here and colder than the last couple. Enjoy your Summer vacation!!
YAY transfer Tuesday. I just transferred $296 into my Robinhood Roth I.R.A. 🎉🎉 I'm on course to be a Tax Free Millionaire at retirement. 💪🏾💪🏾💪🏾💪🏾💪🏾
Hey Mary. 🥰 Summer! Also, I'm loving this look (perfect vacation vibe)!
Cheers to fully funded vacation plans!
You look beautiful 🌹
Oh thank you!
Your outfit and hair = yes 💜🎉👏🏼
Thank you!!
You look fab!
Omg thank you!!
@@PenniesNotPerfection you look so happy
Summer! Came back from Vacation 2 weeks ago and taking a long weekend in 2 weeks. In August going to Myrtle Beach. You look very pretty and festive. Love the colors!
SUMMER ❤ Woohoo pd in full vacations are the best. Where are y’all going? You look fabulous😊❤😊
Summer Mary ☀️ Ready for vacation 😎
Oh yes!
Hey Mary lov ur shirt! U r ready for vacayyyy...amazing..❤ SUMMER ☀️
Thank you! It’s actually a dress and I love it!
@@PenniesNotPerfection so cute and summerary!!!!!