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Pennies Not Perfection
United States
Приєднався 24 січ 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/
Is saving money even worth it?
Should you be saving more? Or spending in the moment? What's the best way to balance the two?
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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 back on gas) ➝ penniesnotperfection.com/upsideapp/ Code: RXZNW
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CONTACT ME:
🔹 Website: penniesnotperfection.com
🔹 Shop: shop.penniesnotperfection.com/
WANT TO SAY THANK YOU?
🔹 Buy Me A Coffee: shop.penniesnotperfection.com/products/buy-me-a-coffee
SEND ME LETTERS:
Mary
P.O. Box 240981
Memphis, TN 38124
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**The information provided should not be relied upon as investment advice or recommendations, does not constitute a solicitation to buy or sell securities and should not be considered specific legal, investment or tax advice. Investing entails risk, including the possible loss of principal, and there is no assurance that the investment will provide positive performance over any period of time. I am not a professional and this channel is for entertainment purposes only. Do your own research!!
*Affiliate links. I get commissions for purchases you make through links shown here. It doesn't affect your purchase in any way and the commissions help support this channel. I only recommend items I personally use and appreciate the opportunity to share.
➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝
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 back on gas) ➝ penniesnotperfection.com/upsideapp/ Code: RXZNW
➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝
CONTACT ME:
🔹 Website: penniesnotperfection.com
🔹 Shop: shop.penniesnotperfection.com/
WANT TO SAY THANK YOU?
🔹 Buy Me A Coffee: shop.penniesnotperfection.com/products/buy-me-a-coffee
SEND ME LETTERS:
Mary
P.O. Box 240981
Memphis, TN 38124
➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝
**The information provided should not be relied upon as investment advice or recommendations, does not constitute a solicitation to buy or sell securities and should not be considered specific legal, investment or tax advice. Investing entails risk, including the possible loss of principal, and there is no assurance that the investment will provide positive performance over any period of time. I am not a professional and this channel is for entertainment purposes only. Do your own research!!
*Affiliate links. I get commissions for purchases you make through links shown here. It doesn't affect your purchase in any way and the commissions help support this channel. I only recommend items I personally use and appreciate the opportunity to share.
Переглядів: 2 322
Відео
DEBT FREE Wins + House Savings Milestone (TRANSFER TUESDAY)
Переглядів 2,1 тис.12 годин тому
✅ Last week's video ➝ ua-cam.com/video/-PZmBVZ9aGU/v-deo.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 mo...
6 Steps To Pay Off Debt (That Actually Work)
Переглядів 2,3 тис.21 годину тому
✅ 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)
Переглядів 1,9 тис.День тому
✅ Last week's video ➝ ua-cam.com/video/73az-wFUbnQ/v-deo.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
Переглядів 2,9 тис.14 днів тому
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)
Переглядів 2,7 тис.14 днів тому
✅ Last week's video ➝ ua-cam.com/video/69OZfoYkHVU/v-deo.html ✅ Congratulate Michael ➝ ua-cam.com/video/CmHgtVGlTyM/v-deo.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 ($10...
What To Do With Your Money Every Month
Переглядів 1,9 тис.21 день тому
Budgeting sheets I use ➝ shop.penniesnotperfection.com/products/pay-yourself-first-budget-printable-planner The bank I currently use ➝ ua-cam.com/video/c5wUerkH6KQ/v-deo.html How to save $10,000 ➝ ua-cam.com/video/uImttr1JpDo/v-deo.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)
Переглядів 2,2 тис.21 день тому
✅ Last week's video ➝ ua-cam.com/video/zWhVJQaARFA/v-deo.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
Переглядів 4,3 тис.28 днів тому
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)
Переглядів 2,1 тис.Місяць тому
✅ Last week's video ➝ ua-cam.com/video/5lDL9y2CMa8/v-deo.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
Переглядів 1,1 тис.Місяць тому
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)
Переглядів 12 тис.Місяць тому
Budgeting sheets I use ➝ shop.penniesnotperfection.com/products/pay-yourself-first-budget-printable-planner The bank I currently use ➝ ua-cam.com/video/c5wUerkH6KQ/v-deo.html How to save $10,000 ➝ ua-cam.com/video/uImttr1JpDo/v-deo.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 w...
Am I SERIOUS About Saving For A Downpayment? (TRANSFER TUESDAY)
Переглядів 3,1 тис.Місяць тому
✅ 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
Переглядів 2,3 тис.Місяць тому
💰 Frugal habits I DO LOVE ➝ ua-cam.com/video/DTBSXg6KIIE/v-deo.html There are certain common frugal habits that I personally refuse to partake in. They are frugal living habits that actually make you poor in the long run and lower your quality of life. I like being frugal because it feels like I'm buying back my time and freedom from the need to work. But not every frugal living habit is worth ...
Making Changes & $10,000 House Savings Update (TRANSFER TUESDAY)
Переглядів 2,5 тис.Місяць тому
✅ Last week's video ➝ ua-cam.com/video/VtTSOVY9-sk/v-deo.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 ...
10 Frugal Living Habits That Made My Life EASIER
Переглядів 2,2 тис.Місяць тому
10 Frugal Living Habits That Made My Life EASIER
$10,000 House Savings Update (TRANSFER TUESDAY)
Переглядів 2 тис.Місяць тому
$10,000 House Savings Update (TRANSFER TUESDAY)
Managing Financial STRESS & Inconsistent Income (As A Business Owner)
Переглядів 1,3 тис.Місяць тому
Managing Financial STRESS & Inconsistent Income (As A Business Owner)
House Savings Update & Birthday Week (TRANSFER TUESDAY)
Переглядів 1,9 тис.2 місяці тому
House Savings Update & Birthday Week (TRANSFER TUESDAY)
How To Setup Savings Buckets In Wealthfront Cash Accounts
Переглядів 2,3 тис.2 місяці тому
How To Setup Savings Buckets In Wealthfront Cash Accounts
Big Savings Week & New House Savings Milestone (TRANSFER TUESDAY)
Переглядів 2,3 тис.2 місяці тому
Big Savings Week & New House Savings Milestone (TRANSFER TUESDAY)
Signs You Are Doing Well Financially (Even If It Doesn't Feel Like It)
Переглядів 3,6 тис.2 місяці тому
Signs You Are Doing Well Financially (Even If It Doesn't Feel Like It)
TRANSFER TUESDAY | Saving MORE Each Week & Solar Eclipse Travel
Переглядів 2,2 тис.2 місяці тому
TRANSFER TUESDAY | Saving MORE Each Week & Solar Eclipse Travel
Monarch Budgeting App REVIEW (After 6 Months)
Переглядів 7 тис.2 місяці тому
Monarch Budgeting App REVIEW (After 6 Months)
Struggling To Save, Trying NEW Things + House Savings Update (TRANSFER TUESDAY)
Переглядів 3,9 тис.2 місяці тому
Struggling To Save, Trying NEW Things House Savings Update (TRANSFER TUESDAY)
I almost didn’t film this… (TRANSFER TUESDAY)
Переглядів 2,3 тис.2 місяці тому
I almost didn’t film this… (TRANSFER TUESDAY)
How To Get Ahead Of 99% Of People Financially (In 12 Months)
Переглядів 4,6 тис.3 місяці тому
How To Get Ahead Of 99% Of People Financially (In 12 Months)
Earning More On My Savings + House Savings Update (TRANSFER TUESDAY)
Переглядів 2,4 тис.3 місяці тому
Earning More On My Savings House Savings Update (TRANSFER TUESDAY)
I Switched To Wealthfront For My HYSA (Cash Account Initial Review)
Переглядів 20 тис.3 місяці тому
I Switched To Wealthfront For My HYSA (Cash Account Initial Review)
I definitely believe balancing life and the budget
1000 dollar in 30 days? then just set aside straight away 1k....
Having more money than most people you know is quite rewarding. They can smell it on you. Gotta do the work.
Do you Transfer money from another account into you Wealth Front. Let's say Example Bank of America, Do you link account in order to put money in the account, how do I put in the money?
Thanks for the alt perspective! I like it!!
Organized. Keep moving forward and don’t lose the momentum.
Yes it’s possible. Great reminder😊 We ❤ to travel. We all need to enjoy life.
Yes it’s possible!!
Good thing I have daily pay
It feels like forever when saving 💰 but when you get a build up of funds... It's so worth it. Great video, Mary!
I agree! I have come so far and paid off so much. My car is down to just over $1,000 but I love to scrapbook and haven't bought any supplies this year. Tonight I ordered things that I need and things I want. This is my one outlet and it makes me happy. Dad recently told some friends that I am the historian in the family and it made me proud.
I’ve been struggling with this dilemma. I’m tired of saving and investing for a future that may never come BUT I need to save and invest in saw it does come 😂😩
I am currently doing it all. Money is important and saving, but balance is everything. Everything in moderation.
I'm at the same place. I've done the hard work, I hit my investment number yearly and now I'm enjoying using the rest of my money. I don't really care about early retirement anymore, i dont want to save 50% of my income.
Yes saving money is worth it everyone needs to save money for investments everyone needs to save that first $100,000 for investments you want to be super fugal and super smart with money right now, so you can live like a financial king or queen in the future this is a good video for debate, but saving money is very important to have a large emergency fund and to reach that first $100,000 for investments
I’m saving up to move across an ocean in four or five years. It’ll be a huge change (language, career change, immigration hurdles, etc), but I’m super excited!
I'm 56. I live to travel. Live and love! I'm so grateful I was able to retire at 55! 🎉 Go do the fun things!!!!🎉😊
Congratulations. I'm 36 and want to close the workforce at 55 maximum as well 😊. Meanwhile, I'm working, saving/investing and live life as well.
@@TheCelmap it can be done! If I can, anyone can. I was a career bartender and server. I had 3 kids also. Granted, my husband was on board all along also!
You can have money or you can have kids but it's tough to have both😂
@mikewallin6049 the grandkids! I love the dearly but $$
Love this! My goal is to retire at 55 too, would love to be able to travel now and then too with them as adults.
It sure is possible:):)
I changed my original title just to summon you 🤣 We are making it happen!
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
Thanks Mary. Life's too short to be miserable. Doing what makes sense for you/me is the key 🙌
Love this
I've been saving nearly everything I make for the last 6-7 years now, living with parents. I have everything invested in high yield savings or CDs. The housing market ballooned and added between 50-80K to the price of all starter homes in my new england state effectively making two years of my savings useless in terms of buying power for exactly what I was saving for. I'm very discouraged and sometimes downright depressed about it. And with health problems possibly looming I'm worried that I've spent half a decade saving up for nothing.
I agree with you when it comes to traveling while saving and accomplishing goals.
Hey Mary Lifes to short. I tried no spend January and couldn't stand it and it lasted a week hahahhahha
Hello, great video.
Thanks for the visit
I don’t think relay will work for my business because from what I have researched, it looks like you can only have 20 accounts with them.
They do have a limit... how many are you looking to open?
@@PenniesNotPerfection I have 14 businesses and 4 funds that are all affiliated…but a few require escrow accounts, and as a registered investment advisor, I’m thinking I will need separate accounts for each client. Also will need separate accounts per asset. I read profit first and would like to implement that. I think if relay could support 20 accounts per business entity, it should be fine for most of them, but I don’t think it would work for the investment advisory company or real estate fund where each major asset purchase requires a new entity. Will I be able to visualize all the various entities in relay, or would I have to have a separate sign-in for each entity? That would be a pain. I’m not sure it would work for me since I need a lot of accounts.
If you're in Canada and struggling, that's because as a Canadian you are being punished for being Canadian!, now, if you are a immigrant , welcome to the FREE world!
Great Mary, keep Winning❤
Organized!
Hey Mary Organized I had a garage sale and made 500.00 woohoo....❤
That is awesome!
@@PenniesNotPerfection I was 😊
Organized - making our 7 person trip plan spread sheet so we ALL know where - what - we will be doing for each day - with free time designated - glenda
That’s amazing! I’m so not that organized when we travel.
Organized!! I used your relay code and didn’t know I would get $50!! That was an awesome surprise. Thank you!
Oh that’s awesome! Happy you got the bonus!
organized
KEEP UP THE GOOD WORK!!!!!!!
Organized. We are on the same page. I have stuff everywhere. I am decluttering for July.
Awesome! I’m hoping to finish in July and enter August and a new school year with a less cluttered home for sure!
😳😳😳 3k max for me. Max.
Nice! Would love the details on what that includes? I wish we didn’t have to spend so much to get there… we might try driving it next time but it’s a loooon trip.
Threw extra $211 at my mortgage, leftover
🎉
Great video!
Thanks!
Organized!
Organized. I actually filled out the window rebate with my utility company and got the $230 as a credit on my electricity bill! It only makes a dent in how much i paid for those new windows but hey it's free money.
Love it!
Yay🎉 transfer Tuesday. $125 into my Roth I.R.A. SMH IS ON 🔥 FIRE. only $1871 till I max it out for the year. 💪🏾💪🏾💰💰 I use Robinhood for my Roth
Organized.
Organized🎉 ..i have so.much. to organize 🥴🤪😵
Piles of stuff to piles of cash 💪💰 Organised Mary in progress 😊 Over $3000 🎉 Dana K White has good content here on UA-cam for decluttering when overwhelmed.
I’ll look her up!
Organized 😊❤😊 I took 75 items to donate yesterday. Put into HYSA $120 regular transfer + $55 from FB market sells.
That is awesome!
What money moves did you make this week?? ✅ Get email updates ➝ penniesnotperfection.com/personal-finance-newsletter/ ✅ Last week's video ➝ ua-cam.com/video/-PZmBVZ9aGU/v-deo.html
Just surviving
Just that you know, this shares the same level of risk as Yotta. Whose depositers have been frozen from their funds for over 30 days. Not a super high risk, but it is one.
Yes this was also made before Yotta’s current situation. I’m watching it develop so we will see how that shakes out and whether or not I’ll stop recommending fintech companies or not. For now I’m still happy with Wealthfront.
Thank you for sharing! I just used your referral.
Awesome! Thank you!