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I hope that you are back soon

On 9-4-24 I helped my first person in the community with financial literacy. Thank you for the idea.

Hi Megan, thinking about you. Hope you and the family are doing good!

I love your idea on gifts for the kids ! I will be following your advice this Christmas!

Great tips Megan! were starting late this year but hoping to have at least 600 by xmas to split between our 3 boys. anything we want to get anyone else comes out of our personal money.

I started saving in my Christmas sinking fund this year. It is honestly my least favorite sinking fund, but I know I will be glad I did it once November or December rolls around.

I am down to 5 sources of income and I am living on 2 of them. I have to force myself to live on less

Excellent points!! Great ideas!! Christmas is just a line item on our budget year-round… I started this probably 15 years ago and it was a game changer…. It really does help remove the stress of overspending. Plus with the purpose fun growing month after month I can shop as I find a good deals.!!!

Hi Megan! Thanks for all the reminders 😊❤

Love the “debt digging” term! It’s so frustrating when things pop up that you cannot help like medical bills. That’s really a true emergency and can’t be helped. Those zero interest cards can come in handy for sure! They helped us get out of our initial credit card debt.

Great tips as usual, thank you Megan!

This solves my issue, if I can stick to it. I am new to two paydays a month. I was getting paid every week as the two colleges had opposite payday weeks.

What Gold Star Moments and Goals do you have to share?

Great job to all the budget babes! We are proud of you 🎉

How cool. I am coming through Missouri in August. I loan money on flips in Kansas City. I also have a friend in Joplin.

Hi Megan, great update., I hate medical debt, they take forever to bill you for it! its nice that they give gracious discounts though.

I really want to start using sinking funds. I really am trying to get an emergency fund first.

Tell me how you track your debts. Do you prefer the Debt Snowball or the Debt Avalanche?

I check my spreadsheet daily, but I also attend a 12 step program related to money weekly. In our meeting, we spend 15 minutes looking at our numbers.

Very impressive, stay connected! New supporter friend here. 7 done

Hi Megan, great check in and closeout! I hope you have a wonderful weekend 😊

I love transfer Tuesdays and debt free Fridays. I was debt free for a hot minute

The video will be out tomorrow Friday the 12th at 3PM

I gave you a shout out on my channel with giving me the idea of Budget Bros. I have had one person contact me from my town. That is a start. Thank you so much for inspiring me to help those who live locally to me.

How has your spending been tracking so far this month?

I love this channel

I am still trying to help those in my community. The local library says that I can use study rooms in the beginning

Great close out! 😊🎉 keep up the good work!

Over 1k to sf, great job! Great close out 😊

On ED you have 17.56 for spouse dining out but you didn't put it on your spreadsheet. Just FYI in case the math isn't mathing... still watching, u might fix it but I didn't want to forget to mention it 😂

Definitely don’t beat yourself up for being over a few dollars here and there! Your grocery budget is going to work out so much better for July now that you’ve raised it, too. Free mosquito treatment would be nice if you can get it 🤞🏼

Newbie here. Loved the video

Love the idea of budget babes!!

Gm! Great paycheck breakdown! I love the weekly spending plan, I def use it myself before the month and as it progress to get a overall picture of how the month is going and what needs to happen moving forward.

I’m a new subscriber! Thx for creating all this content. I’ve already learned so much to improve my budget😊

Awesome

Great advice!! 😊will def use these tips!🫶🏼

I have just moved out and am planning my budget. I like to use google sheets. I’m worried about bouncing bills

Getting a month ahead or a buffer truly helps so much!

I love sinking funds! I’m sorry you don’t have a lot to add to your sinking funds this time, but you have nothing to be embarrassed about. How exciting that your basement is almost finished!

Do you plan out your paychecks?

I love that you have a savings goal by percentage. It's so easy for me to just know i have a certain amount of money going to savings each month but on the months i make extra, i should be putting a bit more in

I am so excited that your basement is almost done! Way to go Megan! I know this has been quite a while in the making

GM Megan, great BWM!

Something I did on my spreadsheet for my Sinking funds is added conditional formatting on the Current Balance column to highlight when it equals the Needed Balance column. It makes it easier to see your progress. Just a suggestion for something you could add to your spreadsheet.

We count our medical bills as bills owing until they have been posted 6 months for facility/ hospital bills, 3 months for provider and other's bills. We remain "late" yet work to pay the bills off before the 3 and 6 month time frame and accepting a payment plan for the balances owing. We aim for the least amount of money per month and the longest time frame as possible if on a payment plan; then work to pre-pay it as soon as possible. We have some predictability on some of the bills in terms of amounts and no clue on the amount for many until they post. Even so, the provider/ provider's billing folks can go for ammended claims and have upto a year after the previous approved claim to file yet again; I think there is a 3 year limit from date of service of some type. There is then a parallel amount of unpredictability about when a claim will pass through insurance to the provider and yet again when it will post in the provider's system. I generally budget a certain planned, maximum amount per month, every month for medical. I call or elsewise check with the provider's billing systems once to many times per month to find out what's posted and pay during the month to the sum of the planned maximum; what's left over already has a planned reallocation. If there's not enough, I tell them that I will catch them next month and no, I'm not interested in a payment plan yet. This said, at the end of the month if there is money left over, I make another call and allocate it to one of the bills. I try to pay by line item because if things end up in collections, each line item is sent as an individual bill.

Good call on increasing the grocery budget! It’s very hard to eat Whole Foods on a budget, especially with 6 people! Honestly, I still think $1500 is great 😊

Your budget videos are so GOOD! You definitely deserve more subbies, but I know you’ll get there ❤ I appreciate how you remind us of all of the things we might need to budget for the season. Love that you have your due dates, too! I need to start doing that on my actual budget so I don’t have to write them on the calendar.