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Budget with Mrs. Mom, EdS
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Добавлен 18 сен 2023
Welcome to Budget with Mrs. Mom, EdS!
I'm Elle - proud wife, mom to three incredible kiddos, a teacher.
Join me on this journey to life debt-free, master the budgeting game, and achieve financial freedom!
Let's tackle real-life money challenges with topics like:
Bliss (Becoming Debt-Free) : Breaking those financial chains to live stress-free.
Budgeting: Growing that wealth with savvy tips and practical strategies.
Balance: Let's get real about managing our money without missing out on life's joys.
This isn't just a channel; it's a community. Share your wins, ask questions, and let's support each other on this financial adventure.
Ready to turn dreams into reality? Hit subscribe, ring the bell, and let's make money moves that matter! Together, we're building a legacy of financial wellness.
I'm Elle - proud wife, mom to three incredible kiddos, a teacher.
Join me on this journey to life debt-free, master the budgeting game, and achieve financial freedom!
Let's tackle real-life money challenges with topics like:
Bliss (Becoming Debt-Free) : Breaking those financial chains to live stress-free.
Budgeting: Growing that wealth with savvy tips and practical strategies.
Balance: Let's get real about managing our money without missing out on life's joys.
This isn't just a channel; it's a community. Share your wins, ask questions, and let's support each other on this financial adventure.
Ready to turn dreams into reality? Hit subscribe, ring the bell, and let's make money moves that matter! Together, we're building a legacy of financial wellness.
2nd Paycheck Budget for February | Budget with me $7232.61 | Budgeting for Beginners
2nd Paycheck Budget for February | Budget with me $7232.61 | Budgeting for Beginners
Просмотров: 882
Видео
1st Paycheck of February Budget Closeout | Budgeting for Beginners | Stress and Finances
Просмотров 5786 месяцев назад
This 1st Paycheck of February closeout was great. I learned a huge lesson: Stress is tied directly to how I spend money. I have to get this stress under control.
1st Paycheck of February Budget | Budget with Me | Budget By Paycheck
Просмотров 4796 месяцев назад
1st Paycheck of February Budget
Budget with Me | February Budget | Monthly Budget Reset
Просмотров 4666 месяцев назад
February Budget has to be better than January's Budget..... it has to. LOL!!! Budget with Me | February Budget | Monthly Budget Reset You are welcome to join this budgeting journey!
Jan 2nd Paycheck Budget Closeout | Budgeting for Beginners
Просмотров 4936 месяцев назад
Jan 2nd Paycheck Closeout | Budgeting for Beginners Mistakes were made this month. Whew!! On to the February Budget...
2nd Paycheck Budget January 2024
Просмотров 2187 месяцев назад
My 2nd Paycheck Budget Breakdown for January! Join me as I share the excitement, challenges, and strategic planning behind managing that hard-earned cash. From allocating funds for necessities to treating myself a little, this video unveils the real-life decisions in my budgeting journey. Whether you're celebrating your first budget or a seasoned pro, let's dive into smart money moves together....
1st Paycheck Budget Closeout January 2024 #budgetwithme2024
Просмотров 3167 месяцев назад
Closing Out My 1st Paycheck of my January Budget! 💰 Join me as we wrap up the first paycheck of the month, reviewing how my budget held up against the real-life expenses and unexpected twists. From celebrating wins to tackling challenges, this video is a candid look at the highs and lows of budgeting with that initial paycheck. Whether you're a budgeting pro or just starting, let's reflect, lea...
1st Paycheck Budget January 2024 | Lets start the year off right!
Просмотров 2727 месяцев назад
My First Paycheck Budget Breakdown for January! Join me as I share the excitement, challenges, and strategic planning behind managing that hard-earned cash. From allocating funds for necessities to treating myself a little, this video unveils the real-life decisions in my budgeting journey. Whether you're celebrating your first paycheck or a seasoned pro, let's dive into smart money moves toget...
January 2024 Budget Overview: Getting Started on my budgeting journey #januarybudget
Просмотров 4827 месяцев назад
Dive into my January 2024 Budget Overview where we break down the first month of my financial journey. From wins to lessons learned, I'm spilling it all! Join the conversation on smart spending, progress on goals, and navigating the budgeting waves. Whether you're a seasoned pro or just starting out, there's something here for everyone. Let's make 2023 our year of financial empowerment, togethe...
My Debt Confession 2024 | $671,000 in debt | The Beginning of my Debt Journey
Просмотров 12 тыс.7 месяцев назад
Welcome back to Budget with Mrs. Mom, EdS. I'm sharing my debt confession, and yes, you read it right - a whopping $671,000. In this video, I'm peeling back the layers and sharing the journey that led me to this staggering debt. From the highs to the lows, the good decisions, and the not-so-great ones, it's time to face my financial reality head-on. Join me as I lay it all out on the table - th...
Awesome video
Yikes! Unfortunately, you need to get out from those cars and close those credit cards. Those are some big diamonds on those hands…
Those student loans are off the chain! I feel for you.
That's a lot of debt. Snowball those small balances. Could really do it in a month. All the interest rates u guys have other than the mortgage is killing u guys slowly.
Your video randomly showed up on my feed. Hope you are still on track!
I did 4 years in the Navy in 1976-1980. I used the GI bill to help pay for my college. The GI Bill would pay you up to a certain amount based on the number of credits you took. I went to a private college so the amount they gave me did not cover 100% tuition. Sometimes you need to make sacrifices yearly in life to help get started on the right foot. I had about $6K in student loans and worked a second job after college to pay off the loan faster. $6k may not seem like a lot but income was much lower than today. Many students were getting about $15k-$19k a year for their first job out of college.
You guys are 1/2 a million in debt. You both got this.
Your monthly payment is more than what you're saying, according to monthly payments you showed us.
Hi friend, thank you for your transparency. I've been a teacher for 25 years. I felt every bit of what you were saying in this video. All you need to do is wake up every morning and put one foot in front of the other while you work your plan. Trust me you can do it. I was debt free in 2020 then life did the most and kept doing ever since. Also, you have a partner. Hold each other accountable and get 8n a better place with your debt. Even if that means it's not all paid off. You got this 🎉❤
As a fellow teacher, I totally understand the guilt behind spending so much time with other people’s kids that your own children don’t get the best of you as you say. BUT I honestly think it would be much more fruitful to reduce your stress so they can have more of you instead of spending on vacations when you don’t necessarily have the money to do so. If I were in your shoes, I would drop to part-time work or maybe take a teaching role that is less strenuous. Sounds counterintuitive since you need to pay off debt! But it might actually help because I think a lot of people’s spending issues have more to do with emotional needs rather than a lack of financial knowledge.
What happened? Are you okay?
Thanks for sharing! My family is on a financial freedom journey as well. I am looking forward to following your journey. New Subscriber.
Sorry he loss his job and pray he finds another just as good.
Mrs Mom do what is best for you and your family. you see the debt, knock down the lowest first and remember you could get the loans deferred to allow you to catch up on the small bills. Now make sure pay yourself take 20-50 a check and put away for emergency savings. When you shop, make your budget to stick with (envelopes with how much you would spend in categories like laundry, gas/light/ car note, insurance, mortgage, food, student loan, credit cards etc. Write down what you want to pay each category.
As if you one more time stand up after failing, there is no fail. Try and error.
Thanks for sharing and being REAL! Blessings to you.
Students can go to community colleges. Cars can be sold. Vacations are optional. Change your brand of toilet paper. However, it's your journey and you will work it out.
The toilet paper 👍. We Dutch use our bicycles very much, we do not let lights burn where we are not in the house, we close the watertap while brushing teeth, shower short. Do not buy nonsense items, repair as much as you can yourselfs, try to get a lower car insurance when you do not make many miles. Keep your car tyres at the right pressure. Cook at home 99,9% of the year.
Shouldn’t the eating out budget be 500-239? I don’t think it would be $510 left?
Oh I see you just found it 😂
Hiiiii, would love to hear an update on your debt journey!
I won’t give up vacations either. Ya gotta live. 😊
My anxiety is on overdrive now after watching this. I have zero debt and a paid for house. My minimum monthly payments for internet, cable, utilities is less than $400. I save 70% of my income and live off the other 30% and I worry about spending too much.
Don’t you have to pay anything monthly for the house? (I rent so it sounds like a paid off house…only has school and property tax?). If so…I can’t imagine being stressed out when you’re only living on 30% of income. That’s a very comfortable place to be! Be happy and try not to be so stressed 🎉.
@@Randompotatoes-qs7bm I paid my house off earlier this year. Only have to pay taxes(2.1k per year) and insurance 1.5k per year. That 30% I use for utilities, internet, food etc
I would flee the country and change my identity if this was my life situation
You need to pay a professional and follow their advice. You have 405k in non-mortgage debt! You’re way to casual about this, sacrifice starting now!
Welp another dead channel
Yes, your vacation expenses are definitely debt.
Thank you for being brave and putting your story out there. Blessings on your debt journey!
Hi sister ...watching from cape town south africa Im 10 yrs older..life happened too and I a similar situation...Aug we start being financially aggressive too so let's keep each other accountable
Can anyone explain the purpose of a timeshare? Seems like a scam to me
If you have federal student loans, apply for Public Service Loan Forgiveness (PSLF). I’m a former teacher and PSLF has been a lifesaver. Good luck on your journey!
So proud of you! Awesome video new subbie here!❤🎉
When you said that you are expecting over $13,000 income I was like dang 👀. We have A LOT of debt to dig ourselves out of as well happy to be on this journey with you! We got this.
Congratulations on getting your student loans wiped out! Good luck on your journey, you got this! I’m also on my journey and I’ve found the easiest way for me to not overspend is having cash in hand. So the envelope method has helped.
Maybe you should listen to a few financial guru’s to keep you motivated 🤷🏾♀️
I hope you have an emergency fund, even if it 1000,- dollars
freeze as much food as you can to eliminate waste. if i made sloppy joes, i make a big batch and freeze enough for 2 sandwiches per serving. easy to warm up and all you need is a bun and chips. meal plan like ground beef pasta casserole, spaghetti, chili, coneys, lasagna. i budget $800 a month for groceries PERIODT! we have a free pop up produce monthly. look for local resources also. ALDI can be your best grocery friend. i even freeze shredded cheese.
Cars - “gas, tolls, CHARGING” - got it so you’re one of the idiot broke people who bought a Tesla. Congrats.
Timeshare 😂
YOUR CAR INSURANCE IS $1000 PER MONTH?!??! I need to pick my jaw up off the floor. What are you doing?????
If i had to guess she probably has children that are just starting to drive, young driver insurance is psychotic currently
You ask for “tip and tricks” and people give them to you - you just don’t want to listen to them. So you make no progress. Get serious about what you’re doing or stop wasting your own and others time by making these pointless videos.
You’re screwed lady. Good luck. I trust I’ll somehow end up paying this back for you at some point in the future.
My wife and I are on our debt free journey too so thanks for sharing. The interest on your student loans compared to the minimum payments are very scary. Have you checked into that? The interest looks like it would be higher than the payment. I know some loans interest will capitalize so youll start paying interest on the interest. But, im not 100% sure.
I owe 419k on two things 319k left on mortgage and 100k in student loans and I don’t even have a car payment or cc debt. It still mind boggles me how I have so much debt sometimes.
If they bill you late again for the water, you can always go ahead and make the $100 pymt and any difference on the next ck. Good luck!
Also on a financial journey! Thank you for sharing 🎉
Sam's Club is the same for me! 😂
Hi Friend!! We are in a similar journey. We can do it. New subbie! I'll be following and rooting you on 🤗💙
I would check the payoff on the student loan. For the first one between now and 2034 is ~120 months and making 400 dollar payments only totals 48k so not exactly sure how that can pay off 157k current balance.
Hi subbed to your channel
Good luck!
You should, twice a week, pull out the meats you need thawed. Or when you are cleaning up tonights dinner, think about what you are having tomorrow and prep for that. There are solutions to this problem, dont give into the temptation of fast and easy when you can just be prepared.
Thank you. I am think that I have found a plan. So far it is working.