Love your videos. You are so precise in your descriptions of how to do each step and the reason that I started budgeting. You should take some time for yourself before you go to Switzerland and have a mani-pedi day. Treat yourself!! The holidays are so stressful. Have a great trip.
Safe travels Miko! Quick question when you have a moment: for Misc, I understand those are for unexpected non-emergencies. So for example, if you use misc for a lunch out with friend. Would this be under a food/eating out closing calculation? 🤔
@shessassy thank you! I was thinking the same, however I saw that Miko has its own category listed and was wondering the logistics behind it. I know its there as misc is within her budget so she's adding it in to close out, but I was a little confused and not wanting to double track.😅
She has no mortgage. She paid for her house out right. But she does have her utilities listed under her bill section which I wanna say is Avista. And she uses a credit card but she has her sinking funds, so when she's done she pays off her credit card right away
I do not have a mortgage as I purchased my home in cash. My utilities are Avista. My phone is a business expense. I do not use credit cards unless I'm traveling
Awesome update. Just a random question. Clearly you don't have OCD about the arrangement of your cash (all facing the front way and in the same direction, etc), what ARE YOU OCD about? You are a very organized person. Just curious.
I wondered that too. It's personal preference of course but I find the OCD annoying to have things so prim and proper. It's just cash, just stuff and go! 😂😂😂🤣🤣 I do find it hilarious to see how annoyed people that do have it get so cringy over it.
@@shessassy It's obsessions or compulsions that take up more than an hour a day to fulfill. I have been diagnosed with both OCD and ADHD. Nothing that requires medication. Therapy and activities help me with my particular affliction. I do like to stay organized, but, in my case I used to have to literally leave a room if things were too disorganized, to the point of a panic attack. Then I met my hubby. He's quite the opposite of organized. It's hard when your toxic trait is also a positive trait like organization. Then love propelled me to seek help. Mild to moderate in my case, but it's the cards I was delt. I too am guilty of generalizing OCD. Which, I should know better. Sorry if I offended you.
Enjoy Switzerland! Closed out my November budget and started December as well. Thank you for keeping me accountable.
I have always wanted to go to Switzerland! Have fun and enjoy!
Love your videos. You are so precise in your descriptions of how to do each step and the reason that I started budgeting. You should take some time for yourself before you go to Switzerland and have a mani-pedi day. Treat yourself!! The holidays are so stressful. Have a great trip.
Thank you again, Miko, for all this info. You are very reassuring, helping me see this can really come together. Enjoy beautiful Switzerland! 💚
Good morning Miko, hope you have a great week. Thank you for these
You will love Switzerland 🇨🇭 😊
Safe travels!!!🎉
Great video, enjoy Switzerland 🩷
So much to cover in a short period of time. Enjoy Switzerland. 🎉❤ 💙💜💙
Thank you very much x
Thanks Miko
So are you double counting your cash sinking funds? The withdrawal from the checking account and then again on the cash side?
What bank do you use for sinking funds? I'd like to start with multiple accounts to better manage my money
I use a local credit union - STCU
❤ good morning how are you doing today ❤
Safe travels Miko! Quick question when you have a moment: for Misc, I understand those are for unexpected non-emergencies. So for example, if you use misc for a lunch out with friend. Would this be under a food/eating out closing calculation? 🤔
I would categorise it as what you actually spent it on, so then when you review you can see your true spending in the category. 🙂
@shessassy thank you! I was thinking the same, however I saw that Miko has its own category listed and was wondering the logistics behind it. I know its there as misc is within her budget so she's adding it in to close out, but I was a little confused and not wanting to double track.😅
It would be categorized as food for me! I just use my misc. funds. Things I categorize as misc are things like parking fees
@@thebudgetmom thank you!😊🙏🏽
Do you not have a mortgage, cell phone, gas, electric, water bill, car payment, credit cards? I don’t see any of those bills
She has no mortgage. She paid for her house out right. But she does have her utilities listed under her bill section which I wanna say is Avista. And she uses a credit card but she has her sinking funds, so when she's done she pays off her credit card right away
I do not have a mortgage as I purchased my home in cash. My utilities are Avista. My phone is a business expense. I do not use credit cards unless I'm traveling
No captioning! 😩
There is, you may just need to hit the 'CC' button!
@@thebudgetmom ohh, I hit it before and it said it wasn't available, it is now! Thank you so much!
Awesome update. Just a random question. Clearly you don't have OCD about the arrangement of your cash (all facing the front way and in the same direction, etc), what ARE YOU OCD about? You are a very organized person. Just curious.
OCD is a clinical diagnosis, it’s not just being particular about how things are arranged.
I wondered that too. It's personal preference of course but I find the OCD annoying to have things so prim and proper. It's just cash, just stuff and go! 😂😂😂🤣🤣 I do find it hilarious to see how annoyed people that do have it get so cringy over it.
I'm not sure I'd say I'm OCD... I'm just organized :-) I try not to worry about the little things like the direction my bills are facing :-)
@@shessassy It's obsessions or compulsions that take up more than an hour a day to fulfill. I have been diagnosed with both OCD and ADHD. Nothing that requires medication. Therapy and activities help me with my particular affliction. I do like to stay organized, but, in my case I used to have to literally leave a room if things were too disorganized, to the point of a panic attack. Then I met my hubby. He's quite the opposite of organized. It's hard when your toxic trait is also a positive trait like organization. Then love propelled me to seek help. Mild to moderate in my case, but it's the cards I was delt.
I too am guilty of generalizing OCD. Which, I should know better. Sorry if I offended you.
Hi!! Any advice for closing out your budget when using your sinking funds? How do we incorporate that into the expense tracker?
I add a row for savings used to balance the actual spending from my category.
@@shessassyCan you explain in more details?
You track the inflow of your sinking fund, then just track the expense as normal!
@@thebudgetmom Okay, thank you!!