Forming New Habits
Hi everyone, welcome to my channel! I'm Nicky, a wife, stay-at-home mom to 3 wonderful children and my husband and I are on a journey to pay off debt and live financially free.
The goal is to be debt free by early 2026!
Are you looking for realistic budgeting tips and cash stuffing strategies on a low income? You’re in the right place! Here, I share:
✅ Low Budget Cash Stuffing – How to manage money with small paychecks
✅ Envelope Budgeting System – A step-by-step guide to saving money
✅ Frugal Living Hacks – Smart ways to stretch your budget
✅ Debt-Free Journey – Paying off debt with simple cash stuffing methods
✅ Savings Challenges – Fun and easy ways to grow your savings
I hope I can inspire you to win with your finances! Let's break generational curses and form new habits!
If this type of content interests you, please feel free to Like, Comment, Share and Subscribe!
youtube.com/@FormingNewHabits?sub_confirmation=1
Connect with me:
Formingnewhabits4@gmail.com
Forming New Habits
Hey, Budgeting Friends. All I can say right now is how much can one person bear?
Please keep my family and I in your prayers as we mourn the death of my grandfather.
I will be back soon, but not this month as I had planned. Miss you all. xoxox
8 months ago | [YT] | 15
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Forming New Habits
Thank you all for the love and support 🩷
9 months ago | [YT] | 5
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Forming New Habits
Hi Friends! Quick update! I will be back to my regular scheduled videos in April! There is a lot happening, so I am trying to get organized again. Stay tuned for a debt update, and Mini Mondayyssss! 🎉🎉🎉
Jaylia and I miss you all, see you soon.🩷
9 months ago | [YT] | 10
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Forming New Habits
This warms my heart! This budgeting community is out of this world amazing.
Please support our friend Mayra @cashandcolorbudget she's 19 subscribers away from her 500 subscribers goal 🥳🥳🥳
And @CoffeeNBudgets you are a sweetheart. 🩷🩷🩷 #kindness
9 months ago | [YT] | 4
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Forming New Habits
Hey Budget Fam! Easter is just around the corner! I'm so excited to be introducing a new collab between @blessedbudgetsbyAbigail , @glorysbudget and I 🥳🥳🥳
HE HAS RISEN! 🙌🏾
Feel free to grab this freebie on our Kofi shops and save with us. We have a Spanish version and an English version.
ko-fi.com/nickyformingnewhabits/shop
You can use this wonderful saving challenge to save for Easter/Resurrection Sunday or any other day in your life
Please don’t forget to subscribe to all 3 of us if you haven’t already and tag us if you are using it on your channel so we can come over and support you.
Remember, the tomb is empty! HE HAS RISEN 🙌🏾🙌🏾🙏🏾🩷
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Hola a todos:
Queremos anunciar nuestra Colaboración ÉL HA RESUCITADO entre:
@blessedbudgetsbyAbigail and @glorysbudget
No dudes en tomar este obsequio y ahorrar con nosotros.
Puedes usar este maravilloso reto de ahorro para ahorrar para Pascua/Domingo de Resurrección o cualquier otro día en tu vida.
No olvides suscribirte a nosotras tres si aún no lo has hecho y etiquetarnos si lo estás usando en tu canal para ahorrar con el y poder venir a apoyarte.
No olvides que ÉL HA RESUCITADO 🙏
9 months ago | [YT] | 3
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Forming New Habits
Hey Budgeting Fam! We have been out of town, so unfortunately, there is no Mini Monday today! We'll be catching up with you all once we get back 🩷
Have an amazing day! ✨️🤗
9 months ago | [YT] | 3
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Forming New Habits
Omg you guyssss 🤯🤯🤯 Thank you for over 500 subscribers! Welcome all my new friends, I'm so happy you are here 🎉🩷
✨️ Look out for a giveaway and freebies coming soon ✨️
I appreciate all the love and support 🙏🏾 ❤️
~Nicky
10 months ago | [YT] | 20
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Forming New Habits
Hey Friends! Check out our beautiful friend Mayra @cashandcolorbudget Let's get to 500 subscribers! Support our girl if you haven't already!
10 months ago | [YT] | 0
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Forming New Habits
Congrats to our beautiful friend @Autumn-1492 on reaching 500 subscribers! Yaaayyyy! Autumn. Continue to support our girl!
10 months ago | [YT] | 2
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Forming New Habits
Hey Friends! Check out our budgeting bestie @Vickythinks-1 she's amazing! Like, comment and Subscribe if you haven't already
10 months ago | [YT] | 0
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