Chelsea breaks down the simple truths about finances and how to save money that no one teaches you when you’re just starting out. Find more great tips at
7 Crucial Facts About FHA Loans:
Private mortgage insurance, or PMI: Just the basics:
The Different Types of Mortgage Loans in 2017, Explained:
Links to build and maintaining great credit scores:
Credit Basics — Using Credit Wisely:
A Cat Outperformed Pro Stock-Pickers. Here’s What That Means For Investors:
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9 Money Truths I Wish I Knew Sooner | The Financial Diet
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9 Money Truths I Wish I Knew Sooner | The Financial Diet
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Excellent financial advice! I wish I had known these tips when I was 20 years old!
Great stuff! Take about using Vanguard for investments. It is run as a non profit company
Thanks for sharing this is great insight!
Oh wow, I didn't know you could refinance student loans. Thanks Chelsea!!
I've never bought a house but don't they look at how much you earn more than your downpayment?
Lesson learned – let my cats determine my finances :p
I like the shirt that you are wearing.
In the USA you can invest and buy partial shares of a stock. Here in Canada it's not possible. You only can buy a full share. Buying several partial shares is much more easy and fast.
This lady talks too fast and thinks she knows it all. .. I'm outta here.
in current times, 20% is the minimum you need to qualify for a decent home specially if your income is low.
#8 is the biggest one. Interest rates can add up like crazy! My friend paid $680 to her credit card in one year in interest for only paying the minimum balance.
So I should basically get my cat to pick my stocks for me? Got it
your advice is stupid
buy the house with saved money
I will be 52 tomorrow. Other than college loans, I have never had debt or a credit card. I paid cash for cars and my house (yes, 300k$). I budget, spend with cash and debit cards. No I am not a high earner, but I am a high saver: I have always paid rent (when I had it), utilities, transport and grocery budget first, paid heavily into savings and then lived off of less than what was left. And yes, I had times when spaghetti and ramen were a staple, meat and wine a true luxury. Life happens. But delayed gratification is one key to happiness and that applies to many areas of life. Learn to tell yourself „no“ – and to accept it – so you can tell yourself „yes“ with no regrets!
So what you are saying is, I should ask my cat whay stock to buy.
Do you have any knowledge or videos with tips for American's living abroad? My husband and I currently work outside of the US and would like to invest but run into problems with paper work…
On the topic of it being easier to get reimbursed on fraud charges with credit cards vs. chequing accounts: Someone once took $4000 from my savings account by depositing two cheques with my saving's account number on them. The name and signature on these cheques wasn't mine, and my bank doesn't even give out cheques for savings accounts (luckily, when cheques are deposited, they show a picture of them to me, so I was able to prove to my bank it was fraud). I was terrified. I didn't even have any money in that savings account so I was suddenly $4000 in the negatives.
WOW THANK YOU FOR ALL THIS VALUABLE INFORMATION AND FOR ADDING ALL THESE LINKS I WENT TO 4 OF THEM THANK U SO MUCH! LOVE ALL YOUR VIDEOS BY THE WAY BUT WOW THIS A GREAT ONE! (:
its me again, nice pillows behind you (i love navy) and interesting how you sound as intelligent as you are!..I wish I had more intelligence..I try but its OK.
I drive a 2003 nice car…I REFUSE to buy new…today; 2018, it cost me $960 a year TO OWN MY CAR…that's my insurance which covers my daughter and most important like a AAA deal….but if I never drove the car out of the drive way…its still $960 a yr..if I use it; there's gas, oil and coolant……so what's important? a new car to "look at me" ego trips or a used car with no payments! YES A DEBIT CARD SCAM DOES HAPPEN but here's how I dealt with it. 3 times, a dishonest person tried to use my debit card back east…I live in California…my Bank fixed it fast but that's only because I have never kept $ in the bank….It goes in, I pay my few low bills and take it all out…….so its always super low and the bank can see it…that's my semi proof that I wouldn't buy a hotel in Michigan on a trip knowing I have $20 in the bank……..nor would I have enough to buy a ticket..I keep my $ OUT OF MY BANK
palestinian whole lift pursuit wear want precise maintain conventional trend.
If there's something to take away from this is that cats are really good stock traders..
Thanks for all your advice and info. I’m 57 years old and learning a lot from you young smart lady . Thanks a bunch!!!
I only advise people to put down 20% on a house purchase to beat PMI. I haven’t had a credit card 20 years. Those rewards cost too much to earn.
Thank you TFD! this is an amazing and insightful video.
Hello! Will you, one day, make a video on saving money/spending money for single parents?
Would you explain the benefit/difference of investing money on stock and bonds?
Where are the links to investing?
Hey TFD!
I'm not sure if you're open to this idea, but I'm wondering if you would consider doing a segment on upping your LinkedIn profile for those who are looking for the appropriate career/ how to market yourself and landing a job that is reflective of your skill set. Maybe how to describe yourself in your headline so you can be approached by recruiters. It's not a traditional "financial" topic, but I think landing the right job is imperative to well being and leading a financially stable life.
Thoughts?
Meh. This applies to Americans. We don't really use credit cards, credits or debt. In Germany, you buy stuff when you've got the moneys.
Lol, I love kittens. I'm happy they are also professional investors!! Thumbs up for kitties.