My Why is to give my children a better and more fulfilling life than I had. My parents divorced when I was 5 and my mother raised me on her own. We lived in trailers and run down apartments, and at one point when I was 8/9 years old I was eating "pizza bread" for meals, just pizza sauce on normal toasted bread. I lived in a basement apartment that flooded every time it rained. Some days I'd get out of bed for school and step into an inch or two of cold water. My mom did the best she could with what she was given, my dad was absent and there was no child support from him. I learned very early on what it was to go without when it came to a lot of things, whether the type of place I lived in, clothing (secondhand from thrift stores), the food I ate (if any), toys (thrift stores), a lack of medical care (doctor visits didn't happen unless I was seriously sick, and dental? HA!) to the point where when I became an adult and suddenly had income, I would overspend. I'd overeat, I'd overspend on fun stuff that I never had as a child. I was made fun of for being poor, for not wearing name-brand clothing, etc. etc. In some ways the lack of financial ability stunted my spending habits as an adult. In some ways it helped me grow a thicker spine, knowing full well that I COULD live like that again. I don't WANT to, but that I could survive it as my mom did. There were never family vacations, never big spending, and that flooding apartment I lived in from the age of 10 to the age of 18. I want to give my children the opportunity to experience the magic of childhood that I didn't have as a kid. I don't want them to worry about making ends meet or helping to make ends meet as teenagers. I want them to be young and to enjoy being young. I don't want them to go hungry, I don't want them to put their feet on the floor only to find rainwater, and I don't want them to have the same fears and some of the same disappointments that I had as a child.
My why is retirement! We are 44 now, and starting to realize how quickly 20 years passes. For the past 22 years of marriage, we have prioritized education, followed by our children, and our home. We are self employed, so retirement is all on us. We kept saying "Once we get through this phase, we will save for retirement." But guess what! The phases are neverending! So, we have to kick it into high gear now! We want to serve missions for our church and so we will need extra money beyond the usual retirement needs. That's my why! Also, don't worry for a second about being long winded. 😂 I am long winded too- so it works for me! I say a lot of extra words and I need to hear a lot of extra words!
Over the last few months my mind keeps coming back to, How am I going to take care of myself financially if my husband were to pass away? He is our bread winner. I have not had a job in 19 years, long before I met my husband. I do not want to rely on local or state government help if I can avoid it. He was born with a heart condition so every day with him is a blessing. This is my biggest WHY right now. I am trying to find ways to make money on the side so I will be able to care for myself. I plan on buying your book when i go out shopping again.
My Why is my 3 children. They are 8, nearly 5 and 2. I’m a single mum in the UK and I want them to have a secure life with no worries. I want to be able to help them if they need it like my parents are always helping me. I also want to break my bad habits. Thank you for another super helpful video. X
I am loving these videos!!! Last year I decided to start tracking our spending. After one week I asked my husband what he thought we had spent in that week. He said oh I don't think we spent any money but I will guess $100. I said to him no, we spent $213.16, perfect example of why you really see changes once you track your spending!!!
I am so grateful I happened across your channel. We started our journey last week. My why... My husband and I just bought our first home in August. The reaction of our two little girls running around the empty house the day we closed, giggling and chatting excitedly about how they were going to decorate their own rooms was the best feeling in the world. And then my husband had an accident that put him on short term disability for over 2 months. No matter how hard I tried, we just couldn't keep up without that income and fell behind on our mortgage. The fear and shame and disgust I felt being in that situation, thinking about how we would explain to our kids that we lost our forever home because it was too hard to "adult" properly. I NEVER want to feel that again. There is no turning back, never surrender. Thanks Miko
My financial why is to build a family. We have been struggling with infertility for 5 years now and because we have debt and live paycheck to paycheck, we were never able to get further treatment to have children so my why is to be able to have a family and be financially able to support my children and give them an amazing life. Having children will truly complete me ❤️ Thank you Miko for everything you do!
Happy Valentines Day Miko 💖..when I first started following you I never knew anyone saved for Valentines day but you do..I'm still struggling with budgeting..things keep popping up where money is needed like car repairs mostly..every time I save almost 1,000 something always pops up where that money just goes away..but at least the money is there..I'm currently restarting saving again..thank you for everything 👍👍 keep up the videos
For years and years, I was stuck to my Baby Step 1. I feel frusrated that I’m not going anywhere with my finances. But after watching 9 steps to financial freedom, it dawned on me that your progress is not only measured by numbers. That having a purpose (My WHY), goals, being aware of my spending/expenses, budget and working on achieving my short term goals are also a progress in itself. These helps me to continue my financial journey one step at a time. Thank you Miko. 💖🥰
My book is coming tomorrow 💖👏🏻 I only started my RUclips channel 3 weeks ago as I wanted to be accountable for my finances. I’m a single home schooling mum of 3, my youngest is disabled & I want them to have the best life possible & learn from me about money properly so it’s one less thing for them to worry about 💖
I need these mini-series because me and my husband are stuck with debt, and we have 3 kids (9, 5 and 3). I’m tired of feeling stuck. So our why is our kids and being able to save money for their future, saving for emergencies and just being debt free. Thank you Miko. I needed to hear this. You are inspiring. Lots of love to you and your boy ❤️
One of my whys. I want to educate my son as he grows up as I feel this isn’t a life skill taught to many, me included. I want myself & partner to be debt free, to enable us to live a less stressful life for our son x
What I found interesting about my homework is that the main purpose i have is to feel safe. I guess, since i am an older single woman with no one to lean on, It is important to me to make my life as safe as possible.
My why is: Freedom. I dream of a retirement "cabin in the woods" homestead. My current "too big for me" homestead needs to be renovated debt free & sold. Finances need a kick in the butt.
You look lovely Miko! My why is myself. I’m a single women just entering into my 40’s and have no parents or siblings to provide support. I need to secure my financial future to provide for myself as I age. Knowing that I can pay for anything I need without depending on the .Gov, motivates me. Thank you for your budgeting strategies and materials. It keeps me organized. I’m a bit lazy to do the where did my money go lol but I promise to get it together.
I used your idea of Valentine's day sinking fund and for the first time, I did not have to be anxious about the money I was spending. Thank you so much!
Thank you Miko..... You motivated me once again.... I too have been feeling low....I didn't know that I was doing at least one thing right I was still routinely tracking my finances. It's just been so frustrating having to go to my sinking funds to use for food but the most satisfying feeling about that is that I did not had to go borrow from anyone. This was a great message thank you ❤️.
I have been watching your videos for the past 3 years, I purchased the planner and the boxed set… it is a life changing step! Thanks for your program and for putting together such a great tool to help me towards financial freedom.
Love this. I think my why has been because being good at money is just what responsible adults do. As I was watching your video though I realized how much I want to travel and honestly just live a comfortable life until the day I die. It makes me feel excited. Honestly I just want to have fun in life, but I am willing to do the serious stuff to get there.
I am a third of the way through and wrote my why and my slap in the face in detail yesterday I shed a few tears and it's creepy close how my childhood experiences match yours
I only just found you a few weeks ago and since the first video I watched I’ve been obsessed with your channel, what you do and who you are! I am also a single Mum of one son, a little boy called Otto. He is absolutely my ‘why’, my purpose and motivation. I want to build a better future for him/us both. Thank you for giving me a kick up the butt to start making changes! Miko you’re amazing!! Love, Sophie in Scotland xx
that's me , trying to do everything at the same time. I really need this kind of help and I want my purpose to be for my kids, to give them a better life in anyway possible. Watching and listening to this video I did cry. You don't know me on a personal level but wow, you really know my troubles and hardships.
Hi Miko! Love, love, love this and LOVE your book! Thank you so much for sharing this incredible lifestyle! You’ve helped my family so much! I wish I had this knowledge when my kiddos were babies. I could have been a better example for them. Better late than never! I shared your channels with my adult daughter and she has wholeheartedly adapted your mindset and my son is more aware of his spending and goals and has savings now too! WIN! Thank you so very much 🥰🥰🥰
My "punch in the gut" came when we did our taxes and found out we owed a little over $1000. It devastated me because I was really looking forward to going on my first vacation in 6 years.
Happy vday! I just discovered you after watching good morn america. It was like a sign...i needed you more now than ever as i was starting the new year feeling overwhelmed with everything. I’ve been listening to your book on my daily walks and i feel so inspired and ready to take back my life. I’m waiting for your workbook to come in. I can’t wait to start!
Happy Valentine's Day Miko. I love using the Box Set BBP, and I am really enjoying your book. It is easy to read but jammed full of helpful information. Great job !
I’m at retirement age without any saving after having to “start over” due to job losses from oil and gas industry and aerospace cuts 3 times. Age discrimination starts at 55 maybe earlier people be ready. Now I’m living scared to death every day.
You mentioned in the video that you track your expenses every day. Do you have an old video or would you please do a new one that tells us exactly what you do each day to build the self discipline?
My Why is to give my children a better and more fulfilling life than I had. My parents divorced when I was 5 and my mother raised me on her own. We lived in trailers and run down apartments, and at one point when I was 8/9 years old I was eating "pizza bread" for meals, just pizza sauce on normal toasted bread. I lived in a basement apartment that flooded every time it rained. Some days I'd get out of bed for school and step into an inch or two of cold water. My mom did the best she could with what she was given, my dad was absent and there was no child support from him. I learned very early on what it was to go without when it came to a lot of things, whether the type of place I lived in, clothing (secondhand from thrift stores), the food I ate (if any), toys (thrift stores), a lack of medical care (doctor visits didn't happen unless I was seriously sick, and dental? HA!) to the point where when I became an adult and suddenly had income, I would overspend. I'd overeat, I'd overspend on fun stuff that I never had as a child. I was made fun of for being poor, for not wearing name-brand clothing, etc. etc. In some ways the lack of financial ability stunted my spending habits as an adult. In some ways it helped me grow a thicker spine, knowing full well that I COULD live like that again. I don't WANT to, but that I could survive it as my mom did. There were never family vacations, never big spending, and that flooding apartment I lived in from the age of 10 to the age of 18.
I want to give my children the opportunity to experience the magic of childhood that I didn't have as a kid. I don't want them to worry about making ends meet or helping to make ends meet as teenagers. I want them to be young and to enjoy being young. I don't want them to go hungry, I don't want them to put their feet on the floor only to find rainwater, and I don't want them to have the same fears and some of the same disappointments that I had as a child.
My why is retirement! We are 44 now, and starting to realize how quickly 20 years passes. For the past 22 years of marriage, we have prioritized education, followed by our children, and our home. We are self employed, so retirement is all on us. We kept saying "Once we get through this phase, we will save for retirement." But guess what! The phases are neverending! So, we have to kick it into high gear now! We want to serve missions for our church and so we will need extra money beyond the usual retirement needs. That's my why!
Also, don't worry for a second about being long winded. 😂 I am long winded too- so it works for me! I say a lot of extra words and I need to hear a lot of extra words!
Over the last few months my mind keeps coming back to, How am I going to take care of myself financially if my husband were to pass away? He is our bread winner. I have not had a job in 19 years, long before I met my husband. I do not want to rely on local or state government help if I can avoid it. He was born with a heart condition so every day with him is a blessing. This is my biggest WHY right now. I am trying to find ways to make money on the side so I will be able to care for myself. I plan on buying your book when i go out shopping again.
My Why is my 3 children. They are 8, nearly 5 and 2. I’m a single mum in the UK and I want them to have a secure life with no worries. I want to be able to help them if they need it like my parents are always helping me. I also want to break my bad habits. Thank you for another super helpful video. X
😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅
😅😅😅
..
My Why is to create a life I don’t need a vacation from and retire with no debt
These words have really resonated with me, thank you so much.
I am loving these videos!!! Last year I decided to start tracking our spending. After one week I asked my husband what he thought we had spent in that week. He said oh I don't think we spent any money but I will guess $100. I said to him no, we spent $213.16, perfect example of why you really see changes once you track your spending!!!
I am so grateful I happened across your channel. We started our journey last week. My why... My husband and I just bought our first home in August. The reaction of our two little girls running around the empty house the day we closed, giggling and chatting excitedly about how they were going to decorate their own rooms was the best feeling in the world. And then my husband had an accident that put him on short term disability for over 2 months. No matter how hard I tried, we just couldn't keep up without that income and fell behind on our mortgage. The fear and shame and disgust I felt being in that situation, thinking about how we would explain to our kids that we lost our forever home because it was too hard to "adult" properly. I NEVER want to feel that again. There is no turning back, never surrender. Thanks Miko
My financial why is to build a family. We have been struggling with infertility for 5 years now and because we have debt and live paycheck to paycheck, we were never able to get further treatment to have children so my why is to be able to have a family and be financially able to support my children and give them an amazing life. Having children will truly complete me ❤️ Thank you Miko for everything you do!
Happy Valentines Day Miko 💖..when I first started following you I never knew anyone saved for Valentines day but you do..I'm still struggling with budgeting..things keep popping up where money is needed like car repairs mostly..every time I save almost 1,000 something always pops up where that money just goes away..but at least the money is there..I'm currently restarting saving again..thank you for everything 👍👍 keep up the videos
For years and years, I was stuck to my Baby Step 1. I feel frusrated that I’m not going anywhere with my finances. But after watching 9 steps to financial freedom, it dawned on me that your progress is not only measured by numbers. That having a purpose (My WHY), goals, being aware of my spending/expenses, budget and working on achieving my short term goals are also a progress in itself. These helps me to continue my financial journey one step at a time. Thank you Miko. 💖🥰
My book is coming tomorrow 💖👏🏻 I only started my RUclips channel 3 weeks ago as I wanted to be accountable for my finances. I’m a single home schooling mum of 3, my youngest is disabled & I want them to have the best life possible & learn from me about money properly so it’s one less thing for them to worry about 💖
I need these mini-series because me and my husband are stuck with debt, and we have 3 kids (9, 5 and 3). I’m tired of feeling stuck. So our why is our kids and being able to save money for their future, saving for emergencies and just being debt free. Thank you Miko. I needed to hear this. You are inspiring. Lots of love to you and your boy ❤️
One of my whys. I want to educate my son as he grows up as I feel this isn’t a life skill taught to many, me included. I want myself & partner to be debt free, to enable us to live a less stressful life for our son x
What I found interesting about my homework is that the main purpose i have is to feel safe. I guess, since i am an older single woman with no one to lean on, It is important to me to make my life as safe as possible.
Congratulations on the book!!! You have helped me and these mini series will help me too!!! Happy Valentine’s Day!!! I appreciate you!!!
My why is: Freedom. I dream of a retirement "cabin in the woods" homestead. My current "too big for me" homestead needs to be renovated debt free & sold. Finances need a kick in the butt.
You look lovely Miko!
My why is myself. I’m a single women just entering into my 40’s and have no parents or siblings to provide support. I need to secure my financial future to provide for myself as I age. Knowing that I can pay for anything I need without depending on the .Gov, motivates me. Thank you for your budgeting strategies and materials. It keeps me organized. I’m a bit lazy to do the where did my money go lol but I promise to get it together.
I used your idea of Valentine's day sinking fund and for the first time, I did not have to be anxious about the money I was spending. Thank you so much!
This is great to have a lesson as I'm reading your book! Xoxo
Thank you Miko..... You motivated me once again.... I too have been feeling low....I didn't know that I was doing at least one thing right I was still routinely tracking my finances. It's just been so frustrating having to go to my sinking funds to use for food but the most satisfying feeling about that is that I did not had to go borrow from anyone. This was a great message thank you ❤️.
I have been watching your videos for the past 3 years, I purchased the planner and the boxed set… it is a life changing step! Thanks for your program and for putting together such a great tool to help me towards financial freedom.
Love this. I think my why has been because being good at money is just what responsible adults do. As I was watching your video though I realized how much I want to travel and honestly just live a comfortable life until the day I die. It makes me feel excited. Honestly I just want to have fun in life, but I am willing to do the serious stuff to get there.
I am a third of the way through and wrote my why and my slap in the face in detail yesterday I shed a few tears and it's creepy close how my childhood experiences match yours
I only just found you a few weeks ago and since the first video I watched I’ve been obsessed with your channel, what you do and who you are! I am also a single Mum of one son, a little boy called Otto. He is absolutely my ‘why’, my purpose and motivation. I want to build a better future for him/us both. Thank you for giving me a kick up the butt to start making changes! Miko you’re amazing!! Love, Sophie in Scotland xx
Thank you so much Sophie😍 I'm cheering you on💕
I already listened to your book, but having this refresher right after I've listened is awesome! ❤
that's me , trying to do everything at the same time. I really need this kind of help and I want my purpose to be for my kids, to give them a better life in anyway possible. Watching and listening to this video I did cry. You don't know me on a personal level but wow, you really know my troubles and hardships.
Hi Miko! Love, love, love this and LOVE your book! Thank you so much for sharing this incredible lifestyle! You’ve helped my family so much! I wish I had this knowledge when my kiddos were babies. I could have been a better example for them. Better late than never! I shared your channels with my adult daughter and she has wholeheartedly adapted your mindset and my son is more aware of his spending and goals and has savings now too! WIN! Thank you so very much 🥰🥰🥰
My why: my son who’s 18 and my mom. I want to be a role model for them and I want to have financial freedom.
You are amazingly awesome and thank you for putting out these videos.
My "punch in the gut" came when we did our taxes and found out we owed a little over $1000. It devastated me because I was really looking forward to going on my first vacation in 6 years.
Happy vday! I just discovered you after watching good morn america. It was like a sign...i needed you more now than ever as i was starting the new year feeling overwhelmed with everything. I’ve been listening to your book on my daily walks and i feel so inspired and ready to take back my life. I’m waiting for your workbook to come in. I can’t wait to start!
Welcome👋👋👋❤❤❤
Happy Valentine's Day Miko. I love using the Box Set BBP, and I am really enjoying your book. It is easy to read but jammed full of helpful information. Great job !
Happy Valentine's Day!
Great, specific motivation..My big word is freedom!
I’m at retirement age without any saving after having to “start over” due to job losses from oil and gas industry and aerospace cuts 3 times. Age discrimination starts at 55 maybe earlier people be ready. Now I’m living scared to death every day.
You are awesome, Miko! Happy Valentine’s Day! Thank you!
Happy Valentine's Day💕
Thank you!
I love this idea!!! Happy Valentine's Day 💕❤
Thank you! I hope you have the best Valentine's Day!
🎉🎉🎉 good mini lesson
Literally just finished your book. LOVED 🙌🏻🙌🏻❤️
I am loving the book!!! Although I've been following you for a couple of years now, I am learning new stuff!!
Love Love Loved your book! Great Job!!!
Thanks so much 😊
So happy for you and your new book! How exciting for you. Happy Valentine's Day💘
Thank you so much! Happy Valentine's Day 💕
Wish you well on you book
Getting the book from the library! Cannot wait. Miko we adore you in our home.
This was so good. Thank you. I started reading your book along with it.
Happy Valentine's Day Miko!!! You're awesome!! 🙌❤ So excited for this video series!!
Happy Valentine's Day😍
@@thebudgetmom Thank you!!! 😁
Great video like always 💜💙💜💙💜
another sourceful video
This playlist you made :
The videos are out of oder😅... its bugging my ocd😜
But THANK YOU so much for making this Playlist! You are so helpful🥰
Well done.
Think I may save for your planner and book! X
I was infable to budget it and ordered a hard copy today!
Thank you so much for this!!!
You're so welcome!
I’m buying your book right now!
😍😍😍😍
Happy Valentine’s Day miko
I’m waiting for Friday to buy you book and $10 course .
I started following you 3 weeks ago. Love your video.
Welcome Cheryl👋👋
Thank you 💖✨
My book (your book) is arriving tomorrow!!
Thank you
I love your book! ❤️ almost done reading it
😍😍😍
Been waiting months for my book - Brisbane, Australia 🇦🇺
You mentioned in the video that you track your expenses every day. Do you have an old video or would you please do a new one that tells us exactly what you do each day to build the self discipline?
Check out my Instagram ❤❤ @thebudgetmom I recently shared a spending diary every day documenting this❤❤
Happy V Day Miko and James
Happy Valentine's Day😍😍
❤️💕
Almost first comment hehe!
I💖U
Any idea on how to figure out how much debt your in?
Yes, we will be going over that this week in another Mini-Lesson! Stay tuned😍
@@thebudgetmom great, im super stoked!!!!🥳🥳🥳
ᵖʳᵒᵐᵒˢᵐ ?
love love love this video!