I am a new Subbie I am facing a new Debt. Your channel is such a great motivation for me to get my student loan paid off. Budgeting helps me see where my money is going. Helps me track my negative and positive behavoir concerning money. You are doing a great job. Thank you for sharing.
Hi monet I have been following you for at least 3 months. And my words for encouragement for you is that even though I am not your mother I am very proud of you. I was a young mom at 18 years old of 3 boys. I struggled so hard to feed myself just to make sure my boys ate. I made many mistakes in financial decisions and very unstable. But your a strong, independent, financially mentally prepared for what comes next. Your motivating and teaching all the young people out there but you have also motivated me who is a 40 year old woman that its never too late to do better. God bless you and wish you tons of happiness and health. Which are the most important thing.
Wow! Thank you so much! I truly appreciated reading this and it warms my heart to think that I am helping others. This brought a smile to my face and thank you for sharing your story as well. Your support also motivates me and reading comments like this remind me why I should keep going. Thank you ❤️
I have been out of debt for about 7 years now. I say give your self some grace for how far you come. You are doing great! 41% paid off is great. Especially when you are doing other things with your money. Can you imagine what your life after debt will be after you have paid off debt, with your budgeting style? Your possibilities will be endless. I love what i can do with my money because i budget
WHAT I LOVE ABOUT BUDGETING IS THAT I DONT DREAD LOOKING AT MY BILLS ANYMORE BECAUSE I KNOW I AM SLOWLY GETTING OUT OF DEBT AND CREATING A SAVINGS FOR MY FAMILY AND MYSELF!!!!!!❤️❤️❤️❤️❤️❤️❤️❤️😇😇😇😇😇😇
I know what you mean, Monet. I am so ready to be debt free, especially since the loans are paused. What I decided to do, along with my husband, is to continue paying the "minimum" towards debt (with Great Lakes it's $93), and save as much as we can. Since I'm more determined to pay off the debt, we agreed to use any extra money we receive to go towards to the debt, as our debt snowball. It pushes me harder to kick up my side hustle, to bring in more, that can increase the debt snowball. I hope that helps in some way.
The thing I like most about budgeting is the sense that I have some control over something, in this world where we have little control, knowing that helps me a lot. Love your answer about peace of mind, that is my 2nd thing I like about budgeting. Love your videos, thank you. Your giveaway items are beautiful and generous
What I enjoy with budgeting is knowing the freedom and power over my money, knowing each dollar has a name and function. Gives me motivation to keep pushing on and knowing being debt free is truly possible! 💸😍
You are crushing your debt 👏🏽👏🏽 I’m about $3000 behind you and watching you achieving is super motivating! Giveaway Entry Answer: The most enjoyable part of budgeting for me is seeing my debt totals go down 🎉 - March 11th will be my final payment towards my car loan and I’m off to the races to finish my student loan. Super Excited!!! (Oh btw, I’m over 18 ☺️)
What I enjoy about budgeting is that once I lived in a state pretty close to poverty. Rising above that level, i lived paycheck to paycheck. Now i live with money knowing that I am in control and it no longer controls me. I decide who gets paid and how much they get paid - minimum or extra - its a great feeling! Not wealthy by any means, but very powerful because now i’m the boss and I make the decisions about my money. I really enjoy your channel. I’m a fairly new subscriber.
Amazing to read what you have overcome and so happy that you now have control of your finances. It seems like you have established power of your money and thank you for sharing your story. ❤️
What I love about budgeting is the freedom of managing and being a good steward of my money. And being able to surprise people with gifts because I was able to saved in my sinking
What I love about budgeting is seeing my debt go down & my savings go up. Now that I am tracking everything I know I am in control & I am able see where my money is going.
The thing I like about being on a financial journey is the satisfaction I get seeing my debt go down. I can remember a of couple years when I was focused on paying off my student loan. I didn’t think that I would be able to do but, I did. And, now I set a budget for everything.
Agreed, it's so satisfying to see your debt go down and it makes me want to tell everyone about it lol. Its amazing that you paid off your student loans and I'm happy that budgeting has worked out for you! Thanks for sharing ❤️
I would love got be entered into the giveaway. The thing I love the most about budgeting is "its not for the weak" .. I have tried and failed and tried and failed but right now I am on a plan that I hope will work for me. BUDGETING is such a challenge. But I want the results bad enough that I will continue to put in the work.
When I started budgeting, it became empowering to be in control of my money instead of wondering where is went. It was also very motivating to start seeing progress in my debt payoff!
What i enjoy about budgeting is that i love to stuff money in my cash envelopes. After budgeting I've found money that i didn't know i had and have been able to pay off debt and save at the same time.
Give away Entry: Budgeting is new to me, but the thing I enjoy the most about budgeting is seeing the funds accumulate. Knowing that I have the discipline to actually save and accomplish paying off a debt. Enjoyed this video!!!
I love watching your videos! I look forward to you posting. You inspire me to keep going with my cash envelopes, especially when times are rough. I also like having the piece of mind that Im tackling my debt. I like giving my money a place to go. This is helping me with my credit because I would like to move out on my own without depending on other people or credit cards. I want to be financially free. Thank you so much for your inspiration!
I just started this year. I have always been a budgeter but didn't realize there is more to it. The money I had leftover I was just spending.. now that I'm doing this I saved more than ever before... I'm sad that I started late, but as I see it, better late than never and I love it. ❤❤💰💰
You are not the only one. I started off saving and paying off debt, so it’s a little easier for me but I still struggle. Also, my favorite thing about budgeting is seeing self the discipline and seeing the savings amount go up and the debt amount go down! Can’t wait for my envelopes to begin this new journey ☺️
I am getting a late start to getting out of debt and creating a budget. At 56, time is of the essence. Before seeing your videos, I didn't like anything to do with budgeting. But now, my most favorite thing is the envelope system and writing everything down. Like you, I am a physical paper and pen kind of gal. There is no such thing as having too many notebooks. 😊
So happy that the envelope system works for you and it's never too late to start getting a handle on your finances. Wishing you luck and support on your journey and thank you for sharing ❤️
LOVE the notebooks and wristlet. What I love about budgeting is the fact that I feel in control. Having a plan for my money make me feel peaceful. Also its just addictive.
I love budgeting for the Peace of mind it gives, knowing that I will be okay. Each dollar is assigned to something specific. I'm not living paycheck to paycheck any longer. I used to worry and count down the days til my next paycheck because I didn't have enough money to last me through the weeks. Now the only the reason I wait for my paycheck is to stuff my envelope's and watching it grow. Budgeting is a game changer. I love your channel!
I understand this feeling and budgeting has definitely helped to eliminate the worry. Happy that you are doing well on your journey and wishing you success. Thanks for sharing ❤️
I love that creating my budget provides a purpose for every dollar. I can literally see where my money went. Much like you, I am a paper and pen girl, and love being able to flip through my progress at the end of a journey! Thanks for encouraging me to use trackers for my student loans as I find the process to be overwhelming, but I can do it “one box at a time”! ;)
This is so exciting I love watching you debt decrease. What I like more about budgeting is writing down all of my bills and checking them off as they are paid and also having my kids take part in the experience. As a single parent budgeting has really kept me afloat. My kids watch me budget and ask questions and I know I am preparing them for their futures as well. Thank you for sharing you journey ❤️
It is great that you are including your kids in your budgeting process. This will help them tremendously for the future and its amazing that you can pass your lessons to them. Wishing you luck and success. Thanks for sharing ❤️
The thing that I enjoy the most about budgeting, is that it lets me know where my money is going. Before budgeting, I was living paycheck to paycheck, now I can payoff debt and save at the sametime. Loved your video and the giveaway prices are very nice. Thanks for share your journey.
Hey Monet. For me, the journey of budgeting has been more than the physical.I was so used to always being "shot" or in the "negative" each month that even when i learnt to budget, i would still panic n get anxious that the money would not get me through the month.I have fallen a few times( borrowing even thou i had sufficient cash allocated) but am getting there.Thanks so much
Appreciate you sharing your story and there are definitely tough times people experience while budgeting. Glad that you are still going and wishing you luck and support ❤️
Entry: Since I was a child I loved saving money. I even went and got 3 accounting degrees. Finding the budget community on RUclips had been game changing for me. I always saved and did not know how to budget. My favorite thing about budgeting is knowing exactly where my money is going and also it helps me visualize and keep track of my savings. Thanks for the video as always!
I agree that this community is awesome and it's great that you always saved and budgeting is giving you more control over your finances. Thanks for sharing ❤️
I am just starting this journey on budgeting, it is never to late since I am 63. I have tried budgeting for years, but since this is new to me, the envelope system it seemed hard at first. It took me a month to finalize my budget. I am still struggling so let's see how I can conquer my finances. Thank you for all your videos.
Agreed, it's never too late to start and I am so happy that you are continuing on your journey. Wishing you luck and support as you accomplish your goals. Thanks for sharing ❤️
Congrats on 4K. What I enjoy the most about budgeting is making my money work for me. Before budgeting I would always have to wait for payday to pay my bills or going out. Now I have the ease of already having money to spend on non pay weeks and having my bill money put aside before it’s due
Yes, I agree that your money should work for you. It can be hard getting started but I'm happy that you found a system that works. Wishing you luck, thanks for sharing ❤️
Your doing big things paying off your debt. I love seeing your progress. ♡ What I enjoy about budgeting is watching my savings grow so much more when I first started. It just makes me want to save even more for the future. ♡
I wanna say thank you so much for sharing your budget journey. I have learned not only wonderful tips but long term money values. My journey has been hard and I know I’m not the only one that has had the set backs but it has been well worth the effort. I love having the ability to look at my budget and see how it has grown in the past year. I love that budgeting has not only helped me be prepared for anything that comes my way but it has made me grow as a person. I’m much better than I was before.
I also enjoy looking back at my journey and learning from my high and low moments. Sending you positivity and wishing you luck for your journey. Thanks for sharing ❤️
I enjoy the peace of mind budgeting gives me. I know that I have the money to hang out with my friends or pay off debt so that I can plan my life accordingly.
I like that I am planning some big home renovations and I can afford them!! I didn't know where my money was going, now I do and I am paying off debt!! 6 credit cards down!!!! Thank you for sharing your journey!
Yes, it's amazing to see where your money is going now. Love that you have money for your renovations and paying off your debt! Wishing you much success. Thanks for sharing ❤️
I do a mixture of paying off debts and saving. I try to put more towards debt than saving at the moment. Paid of my car early so that frees up a little bit of money
I just found your channel and I’m so glad I did! I just got my budget binder and I can’t wait to get it. I am in the same student loan situation. It’s so hard to balancing paying every penny of debt vs saving for life after debt goals. You’re doing an awesome job!
I am loving knowing where our money is going and setting priorities for it. You are very inspirational to all of us and a setting a good example. Keep it up sweetie!!
New subbie here! I’m new to budgeting and what I enjoy the most is having the designated funds that I can spend without having any post spending regrets:)
Great video... love your channel!! What I enjoy most about being on this financial budgeting journey is the lessons learned from managing my finances. I have become very intentional about my money and debt management. I want to thank all of the RUclipsrs for the wealth of information shared.
Agreed nothing compares to life lessons and growth. It sounds like you have established great control of your finances and thats amazing. Thanks for sharing ❤️
I definitely have to agree with you about what I love about budgeting. Before I didn’t even know what I was spending my money and found myself many times without a dollar. I love that know everything has a name and I even enjoy the things I do or I buy more. Thank you for the giveaway would love to win ❤️
You are so sweet to do this! : ) my birthday is tomorrow so maybe I'll be lucky! lol I enjoy the freedom budgeting gives me... I never use to know where money was going, or when it was coming for that matter. So I love being able to allow myself to spend but also still pay off debt
Happy early Birthday! I can definitely agree with the freedom that budgeting gives. I never thought this feeling would be possible. Happy that budgeting is working out for you and thanks for sharing ❤️
Great job on your debt snowball! Very encouraging and motivating to watch the numbers drop for you Sis! What I love most about budgeting would have to the peace it gives me in knowing “I budgeted for that!” I’m prepared in the event something happens. Almost most of the time I have something if not enough to cover the planned life events. I got my financial peace back! #itsthepeaceforme ❤️🙂
Hi!!! The most I have been learning is when running out of the money you I put aside I can’t go get it from a other spot. It was hard for me but I’m getting better. I love watching your videos I have learned a lot thank you very much
Give awaycentry: I started budgeting in Dec and I am loving it, what I enjoy most about budgeting is that I know where my money is going and also it makes me happy seeing my money grow with time.
I love how challenging it is and instill discipline to each and everyone. I find it so fun with your help. I feel like you are my spirit animal I do resonates you a lot and I love how you share your struggles when you first starting it because i can really feel its okay to make mistakes from the start hehe nobody really perfect but you motivate me not to give up and continue bcoz those baby steps can go a long way. As you do your debt snowball and envelope. I do have mine . It seems with you i have someone I work with even were apart. 😍 Iloveyou monet and thank you for making videos like these because you really help us save ourselves from financial problem
Aww this was so nice to read. Thank you so much for your kind words. I agree with you when you talk about challenges and it is definitely okay to make mistakes. Also yes, you will always have someone to work with you because we are in this together. ❤️
Entry to Giveaway: The most that I enjoy of budgeting is managing my money and not overspending the money on things that aren’t needed. It helps a lot! I agree with you that your payments should go towards to one loan and not be split it’s easier to see one less loan
Always you ask, and here I am saying.... when it comes to saving for the future, your youth counts for more than your debt. You will never be any younger, so whatever you save today will be compounding interest from now to whenever. Eventually, you WILL pay off your debt. But at that time, you will be older and have lost the benefit of years on interest. Please.. from someone nearly three times your age who did as you are now when I was your age. Well done. Persevere. Save and reduce debt. In a matter of a year or two you WILL be debt free. AND you will have money in the bank accruing interest as well. A win-win
Always appreciate your comments ❤️ Thank you for always reminding me when I forgot and thank you for the motivation to keep going. Truly brought a smile to my face.
Giveaway Entry: It is so inspiring to see you conquer these debts every video. I truly appreciate you sharing your journey! I've made several attempts to budget and failed at it. Following the budgeting community and realizing all of the different savings challenges; It's actually fun to save! And my son and I do some challenges together. Sticking to realistic numbers each paycheck isn't always easy, but I am discovering that I am really enjoy saving for things that are more important to me. Btw, love the new envelopes 😊
I'm glad you never gave up when it come to budgeting and you found a process that works for you. I also love that you and your son do challenges together, thats amazing. Thank you for the support ❤️
Giveaway Entry: This is my first year having a budget planner but I really enjoy cash stuffing and being able to see everything written down in one place.
When I heard you say gazelle intense I knew you watched Dave Ramsey. He would suggest that you put all of your money on the debt (I'd say just cut back on some other areas) and look for a side job so you can put a dent in your debt in a shorter period of time.
I want to be entered into the giveaway. What I enjoy most about budgeting is the control it gives me over my finances. I am more alert to income vs monies going out so it's not spent frivolously. Thank you.
I would like to enter the giveaway. The one thing that I enjoy about budgeting is the intentional part about it. I enjoy being in control of my finances and understanding my exact income. I also enjoy distributing out funds specifically for my budget. This gives me understanding of what I can afford and what I cannot afford and work on increasing my income and decreasing expenses when needed to accomplish certain goals in life. 🤞
"Understanding what I can afford and what I cannot afford" This can be a hard concept for some people to understand. I'm glad its working out for you ❤️ Thank you
@@MonetsMoney yes, it was hard for me at one while but I stopped spending money I really didn't have and if I really wanted something I worked to earn extra income to handle that certain expense.
I would like to be entered into the giveaway. I am new to the cash envelope method but its working out for me and love your easy to follow videos about getting set up. I enjoy when I see my pile of debt getting smaller, big sigh of relief and weight off my shoulders.
Hi Monet and Bestie! I want to be entered into the giveaway. What I enjoy most about budgeting is allocating the money in my monthly budget worksheets. I really have more than one but using my monthly worksheet is number one.
What I have found that I enjoy the MOST about this journey is...the more I see my debt goes down the mire my stress level goes down.
Omg yes
I am a new Subbie I am facing a new Debt. Your channel is such a great motivation for me to get my student loan paid off. Budgeting helps me see where my money is going. Helps me track my negative and positive behavoir concerning money. You are doing a great job. Thank you for sharing.
THIS! So true! I'm already a highly stressful person and budgeting definitely helps. Thank you ❤️
Hi monet I have been following you for at least 3 months. And my words for encouragement for you is that even though I am not your mother I am very proud of you. I was a young mom at 18 years old of 3 boys. I struggled so hard to feed myself just to make sure my boys ate. I made many mistakes in financial decisions and very unstable. But your a strong, independent, financially mentally prepared for what comes next. Your motivating and teaching all the young people out there but you have also motivated me who is a 40 year old woman that its never too late to do better. God bless you and wish you tons of happiness and health. Which are the most important thing.
Wow! Thank you so much! I truly appreciated reading this and it warms my heart to think that I am helping others. This brought a smile to my face and thank you for sharing your story as well. Your support also motivates me and reading comments like this remind me why I should keep going. Thank you ❤️
I have been out of debt for about 7 years now. I say give your self some grace for how far you come. You are doing great! 41% paid off is great. Especially when you are doing other things with your money. Can you imagine what your life after debt will be after you have paid off debt, with your budgeting style? Your possibilities will be endless. I love what i can do with my money because i budget
Yes, this is the encouragement I love to read. I need to practice grace and I can't wait to live my debt free life. Thank you
Honestly seeing the numbers working the numbers I’m a big nerd. I should have been an accountant lol ☺️
I understand that. I thought I wanted to be an accountant for a while because I also enjoy numbers. Thanks for sharing ❤️
What I love about budgeting is the satisfaction of knowing I am taking care of my hard work paycheck and saving it for a debt- free life. 💕
So true! Thank you ❤️
WHAT I LOVE ABOUT BUDGETING IS THAT I DONT DREAD LOOKING AT MY BILLS ANYMORE BECAUSE I KNOW I AM SLOWLY GETTING OUT OF DEBT AND CREATING A SAVINGS FOR MY FAMILY AND MYSELF!!!!!!❤️❤️❤️❤️❤️❤️❤️❤️😇😇😇😇😇😇
This is a great feeling and I'm happy that you and your family get to experience that. Thank you ❤️
The relief and progress of my debt decreasing.
Truly an amazing feeling. Thank you ❤️
I know what you mean, Monet. I am so ready to be debt free, especially since the loans are paused. What I decided to do, along with my husband, is to continue paying the "minimum" towards debt (with Great Lakes it's $93), and save as much as we can. Since I'm more determined to pay off the debt, we agreed to use any extra money we receive to go towards to the debt, as our debt snowball. It pushes me harder to kick up my side hustle, to bring in more, that can increase the debt snowball. I hope that helps in some way.
This is great information and I may have to look at my numbers and reevaluate how I want to approach my debt with the loans on pause. Thank you ❤️
The thing I like most about budgeting is knowing that my money is going towards my goals rather than just being spent mindlessly.
So true, once you make the change it feels great. Happy for you and thanks for sharing ❤️
The thing I like most about budgeting is the sense that I have some control over something, in this world where we have little control, knowing that helps me a lot. Love your answer about peace of mind, that is my 2nd thing I like about budgeting. Love your videos, thank you. Your giveaway items are beautiful and generous
I agree, control is key and its amazing once you establish it. Wishing you luck on your journey and thanks for sharing ❤️
What I enjoy with budgeting is knowing the freedom and power over my money, knowing each dollar has a name and function. Gives me motivation to keep pushing on and knowing being debt free is truly possible!
💸😍
Yes it is possible and its great that you have established this control. Thanks for sharing ❤️
You are crushing your debt 👏🏽👏🏽 I’m about $3000 behind you and watching you achieving is super motivating!
Giveaway Entry Answer: The most enjoyable part of budgeting for me is seeing my debt totals go down 🎉 - March 11th will be my final payment towards my car loan and I’m off to the races to finish my student loan. Super Excited!!! (Oh btw, I’m over 18 ☺️)
Congrats on lowering your debt, we will do this together. And that final payment towards your car is going to feel AMAZING! Thank you ❤️
@@MonetsMoney 💜💜💜
One thing I love about budgeting is seeing my sinking funds growing. It motivates me because every time I budget I get closer to my goals 💝
Yes for growing sinking funds! I'm excited for you to get closer to your goals. Thank you ❤️
What I enjoy about budgeting is that once I lived in a state pretty close to poverty. Rising above that level, i lived paycheck to paycheck. Now i live with money knowing that I am in control and it no longer controls me. I decide who gets paid and how much they get paid - minimum or extra - its a great feeling! Not wealthy by any means, but very powerful because now i’m the boss and I make the decisions about my money. I really enjoy your channel. I’m a fairly new subscriber.
Amazing to read what you have overcome and so happy that you now have control of your finances. It seems like you have established power of your money and thank you for sharing your story. ❤️
What I love about budgeting is the freedom of managing and being a good steward of my money. And being able to surprise people with gifts because I was able to saved in my sinking
Gift giving is also something that I didn't realize budgeting would help with. Thank you for sharing ❤️
What I love about budgeting is seeing my debt go down & my savings go up. Now that I am tracking everything I know I am in control & I am able see where my money is going.
Agreed, having control is a great feeling. Thanks for sharing 😊
The thing I like about being on a financial journey is the satisfaction I get seeing my debt go down. I can remember a of couple years when I was focused on paying off my student loan. I didn’t think that I would be able to do but, I did. And, now I set a budget for everything.
Agreed, it's so satisfying to see your debt go down and it makes me want to tell everyone about it lol. Its amazing that you paid off your student loans and I'm happy that budgeting has worked out for you! Thanks for sharing ❤️
What I enjoy the most about budgeting is the comfort in knowing that I'm saving up for my bills and a little cushion with my saving account.
Yes, knowing that the bills are paid and having savings gives me peace of mind as well. Thank you ❤️
I would love got be entered into the giveaway. The thing I love the most about budgeting is "its not for the weak" .. I have tried and failed and tried and failed but right now I am on a plan that I hope will work for me. BUDGETING is such a challenge. But I want the results bad enough that I will continue to put in the work.
OMG this is so true! It is trial and error and it's definitely not for the weak. 100% agree with this, thank you for sharing ❤️
When I started budgeting, it became empowering to be in control of my money instead of wondering where is went. It was also very motivating to start seeing progress in my debt payoff!
Yes I agree, I also enjoy being in control. Thanks for sharing ❤️
The most I enjoy in budgeting is just watching the money grow and know I can save for what I want
I agree, this is a great feeling and I'm happy that you get to experience it. Thanks for sharing ❤️
What i enjoy about budgeting is that i love to stuff money in my cash envelopes. After budgeting I've found money that i didn't know i had and have been able to pay off debt and save at the same time.
Yes. I also experienced this once I started budgeting and its a great feeling. Thanks for sharing ❤️
What I like about budgeting is being able to have the money I need for upcoming events without having to worry. It makes me feel good.😍
Agreed, I used to wing it every time for events but I feel much better having something planned as well. Thanks for sharing ❤️
Give away Entry: Budgeting is new to me, but the thing I enjoy the most about budgeting is seeing the funds accumulate. Knowing that I have the discipline to actually save and accomplish paying off a debt. Enjoyed this video!!!
Agreed! When I first started budgeting this was an eye opener as well. Thank you ❤️
I love watching your videos! I look forward to you posting. You inspire me to keep going with my cash envelopes, especially when times are rough. I also like having the piece of mind that Im tackling my debt. I like giving my money a place to go. This is helping me with my credit because I would like to move out on my own without depending on other people or credit cards. I want to be financially free. Thank you so much for your inspiration!
I believe you will tackle your debt and wishing you luck with moving out. Thank you for your kind words as well, I appreciate that ❤️
I just started this year. I have always been a budgeter but didn't realize there is more to it. The money I had leftover I was just spending.. now that I'm doing this I saved more than ever before... I'm sad that I started late, but as I see it, better late than never and I love it. ❤❤💰💰
Yes, it's never too late to get started and it's great that you have a better control over your spending. Thanks for sharing ❤️
You are not the only one. I started off saving and paying off debt, so it’s a little easier for me but I still struggle. Also, my favorite thing about budgeting is seeing self the discipline and seeing the savings amount go up and the debt amount go down!
Can’t wait for my envelopes to begin this new journey ☺️
Love that you mentioned self discipline because that really plays a huge part. Thank you for sharing ❤️
Favorite thing about my budget is seeing the numbers increase in savings and my debt decreasing 🙌🏻
I agree, this is a great feeling 😊
I am getting a late start to getting out of debt and creating a budget. At 56, time is of the essence. Before seeing your videos, I didn't like anything to do with budgeting. But now, my most favorite thing is the envelope system and writing everything down. Like you, I am a physical paper and pen kind of gal. There is no such thing as having too many notebooks. 😊
So happy that the envelope system works for you and it's never too late to start getting a handle on your finances. Wishing you luck and support on your journey and thank you for sharing ❤️
Beautiful items! I love the feeling that I am making a difference for my family's future. The panic is gone!
This is amazing and I'm so happy for you and your family ❤️ Thank you
The satisfaction of no more credit cards! And slowly but surely getting out of debt.
Yes! this is definitely an achievement! thank you ❤️
LOVE the notebooks and wristlet. What I love about budgeting is the fact that I feel in control. Having a plan for my money make me feel peaceful. Also its just addictive.
It is definitely addicting lol. I check my numbers constantly.
What I like about budgeting is seeing my debts going down.
That is a great benefit! Thanks for sharing ❤️
I love budgeting for the Peace of mind it gives, knowing that I will be okay. Each dollar is assigned to something specific. I'm not living paycheck to paycheck any longer. I used to worry and count down the days til my next paycheck because I didn't have enough money to last me through the weeks. Now the only the reason I wait for my paycheck is to stuff my envelope's and watching it grow. Budgeting is a game changer. I love your channel!
I understand this feeling and budgeting has definitely helped to eliminate the worry. Happy that you are doing well on your journey and wishing you success. Thanks for sharing ❤️
I love that creating my budget provides a purpose for every dollar. I can literally see where my money went. Much like you, I am a paper and pen girl, and love being able to flip through my progress at the end of a journey! Thanks for encouraging me to use trackers for my student loans as I find the process to be overwhelming, but I can do it “one box at a time”! ;)
Completely agree with this and glad to know that others enjoy paper and pen. We can get through this together. Thank you ❤️
What I love the most about budgeting is the discipline it provides and the visual.
Agreed. thanks for sharing ❤️
This is so exciting I love watching you debt decrease. What I like more about budgeting is writing down all of my bills and checking them off as they are paid and also having my kids take part in the experience. As a single parent budgeting has really kept me afloat. My kids watch me budget and ask questions and I know I am preparing them for their futures as well. Thank you for sharing you journey ❤️
It is great that you are including your kids in your budgeting process. This will help them tremendously for the future and its amazing that you can pass your lessons to them. Wishing you luck and success. Thanks for sharing ❤️
What I enjoy most about budgeting is managing my money to provide financial security.
Financial security is key and also something I strive for. Thanks for sharing ❤️
The thing that I enjoy the most about budgeting, is that it lets me know where my money is going. Before budgeting, I was living paycheck to paycheck, now I can payoff debt and save at the sametime. Loved your video and the giveaway prices are very nice. Thanks for share your journey.
Yes, I felt the same exact way before budgeting. And now I cant imagine my life without it. Thanks for sharing.❤️
@@MonetsMoney Yes ma'am. its like I am obsessed 😂
Hey Monet.
For me, the journey of budgeting has been more than the physical.I was so used to always being "shot" or in the "negative" each month that even when i learnt to budget, i would still panic n get anxious that the money would not get me through the month.I have fallen a few times( borrowing even thou i had sufficient cash allocated) but am getting there.Thanks so much
Appreciate you sharing your story and there are definitely tough times people experience while budgeting. Glad that you are still going and wishing you luck and support ❤️
What I enjoy about budgeting is that it keeps me on track on tackling this debt.
Yes a major benefit with budgeting.
Entry: Since I was a child I loved saving money. I even went and got 3 accounting degrees. Finding the budget community on RUclips had been game changing for me. I always saved and did not know how to budget. My favorite thing about budgeting is knowing exactly where my money is going and also it helps me visualize and keep track of my savings.
Thanks for the video as always!
I agree that this community is awesome and it's great that you always saved and budgeting is giving you more control over your finances. Thanks for sharing ❤️
What I enjoy most about budgeting is saving. I have always been a spender, so I feel so accomplished🤑
I also love the feeling of accomplishment when it comes to savings. Budgeting can really change you for the better. Thanks for sharing ❤️
What I enjoy the most is seeing my debt go down. I’m looking forward to seeing progress.
This is a great feeling. Thanks for sharing ❤️
I am just starting this journey on budgeting, it is never to late since I am 63. I have tried budgeting for years, but since this is new to me, the envelope system it seemed hard at first. It took me a month to finalize my budget. I am still struggling so let's see how I can conquer my finances. Thank you for all your videos.
Agreed, it's never too late to start and I am so happy that you are continuing on your journey. Wishing you luck and support as you accomplish your goals. Thanks for sharing ❤️
You brought a smile to my face...there are a lot of words I cannot say. I love ya young lady
Btw...I dont need to be entered into the drawing...I have too much stuff
Aww. Thank you so much ❤️ I appreciate this.
Congrats on 4K. What I enjoy the most about budgeting is making my money work for me. Before budgeting I would always have to wait for payday to pay my bills or going out. Now I have the ease of already having money to spend on non pay weeks and having my bill money put aside before it’s due
Yes, I agree that your money should work for you. It can be hard getting started but I'm happy that you found a system that works. Wishing you luck, thanks for sharing ❤️
Your doing big things paying off your debt. I love seeing your progress. ♡
What I enjoy about budgeting is watching my savings grow so much more when I first started. It just makes me want to save even more for the future. ♡
Agreed, wanting your savings to grow is motivating. Thanks for sharing ❤️
I wanna say thank you so much for sharing your budget journey. I have learned not only wonderful tips but long term money values. My journey has been hard and I know I’m not the only one that has had the set backs but it has been well worth the effort. I love having the ability to look at my budget and see how it has grown in the past year. I love that budgeting has not only helped me be prepared for anything that comes my way but it has made me grow as a person. I’m much better than I was before.
I also enjoy looking back at my journey and learning from my high and low moments. Sending you positivity and wishing you luck for your journey. Thanks for sharing ❤️
I enjoy the peace of mind budgeting gives me. I know that I have the money to hang out with my friends or pay off debt so that I can plan my life accordingly.
Peace of mind is definitely a big benefit. Thank you ❤️
I enjoy mostly having control over my finances and being able to say no to myself or not now.
Yes, saying no was hard at first but it's great once you achieve it. Thanks for sharing ❤️
I enjoy counting out up my sinking funds and stuffing my envelopes in my budget journey 😊
This is also one of my favorite parts of the journey. Thanks for sharing ❤️
I like that I am planning some big home renovations and I can afford them!! I didn't know where my money was going, now I do and I am paying off debt!! 6 credit cards down!!!! Thank you for sharing your journey!
Yes, it's amazing to see where your money is going now. Love that you have money for your renovations and paying off your debt! Wishing you much success. Thanks for sharing ❤️
@@MonetsMoney Thank you!!!
Love this giveaway! What I like most of budgeting is it forces you to be accountable for my money and where it goes
So true. I learned you have to commit with budgeting or it will not work out. Thank you ❤️
I do a mixture of paying off debts and saving. I try to put more towards debt than saving at the moment. Paid of my car early so that frees up a little bit of money
Thank you for the feedback its always interesting to hear how others budget and seeing how it worked out for them 😊
Budgeting gives me a plan for the money so I don't end up spending it all without making progress on my goals. Great giveaway!
Agreed I also used to stand in my way of my goals because I was not budgeting. Thanks for sharing ❤️
I understand- I’m trying to build savings and money only goes so far! Saving is very important and I think a healthy balance is best.
Thats what I thought too, glad others support a balance. Thanks for sharing ❤️
This is great! I feel more at peace when I budget, I don’t dread paydays! I look forward to them and see ho my debt dwindles!
Yes, I also didn't look forward to payday because it would just go towards bills but now I have a plan and a future. Thanks for sharing ❤️
I just found your channel and I’m so glad I did! I just got my budget binder and I can’t wait to get it. I am in the same student loan situation. It’s so hard to balancing paying every penny of debt vs saving for life after debt goals. You’re doing an awesome job!
Excited for you to get started with your journey and it's nice that we both are going through student loan repayment. Thank you ❤️
Budgeting to me is to have control on how my paycheck is being spent.
Yes, the key word is control. Thank you ❤️
I enjoy budgeting because it gives me a sense of control and a sense of security in knowing that I'm planning for my future.
Yes planning for the future is great and I'm happy that we all can feel this way with budgeting. Thanks for sharing ❤️
I am loving knowing where our money is going and setting priorities for it. You are very inspirational to all of us and a setting a good example. Keep it up sweetie!!
Agreed, its great knowing where your money is going. Thanks for sharing ❤️
I really enjoy working the numbers the most! I see where my money is going when didn’t know before this journey.
The numbers can tell an amazing story. Thanks for sharing ❤️
I enjoy budgeting because I know exactly where my money is being spent.
This is a good feeling. thank you ❤️
New subbie here! I’m new to budgeting and what I enjoy the most is having the designated funds that I can spend without having any post spending regrets:)
Welcome to the family! And I can agree with the no regret spending, budgeting definitely helps with that.
Monet you have made GREAT PROGRESS within a month and a half. Girl I can't wait to see the 6 month progress. I'm predicting halfway plus.
I love the prizes!
I hope that prediction comes true! 😊
Your give-a-away is incredibly generous. How sweet!
Thank you ❤️
Wow, you have done amazing to pay that much in 10 months. You’ve got this. 😊
Thanks so much! 😊
Great video... love your channel!! What I enjoy most about being on this financial budgeting journey is the lessons learned from managing my finances. I have become very intentional about my money and debt management. I want to thank all of the RUclipsrs for the wealth of information shared.
Agreed nothing compares to life lessons and growth. It sounds like you have established great control of your finances and thats amazing. Thanks for sharing ❤️
I definitely have to agree with you about what I love about budgeting. Before I didn’t even know what I was spending my money and found myself many times without a dollar. I love that know everything has a name and I even enjoy the things I do or I buy more. Thank you for the giveaway would love to win ❤️
Exactly, thank you for sharing ❤️
Great job! I love watching my sinking funds grow and keeping myself on track to get to my goals!
The growth of sinking funds is always motivating 😊 Thanks for sharing!
You are so sweet to do this! : ) my birthday is tomorrow so maybe I'll be lucky! lol I enjoy the freedom budgeting gives me... I never use to know where money was going, or when it was coming for that matter. So I love being able to allow myself to spend but also still pay off debt
Happy early Birthday! I can definitely agree with the freedom that budgeting gives. I never thought this feeling would be possible. Happy that budgeting is working out for you and thanks for sharing ❤️
@@MonetsMoney thank you so much!!! Yes it’s an amazing feeling!!! And goals that once seemed so far stretched- are slowly coming in sight!
I enjoy knowing where every dollar is going. Looking forward to get my cash envelopes
Agreed, I also love telling my money where to go. Thank you for the support ❤️
Great job on your debt snowball! Very encouraging and motivating to watch the numbers drop for you Sis!
What I love most about budgeting would have to the peace it gives me in knowing “I budgeted for that!” I’m prepared in the event something happens. Almost most of the time I have something if not enough to cover the planned life events. I got my financial peace back! #itsthepeaceforme ❤️🙂
Yes for the PEACE! This is an absolute amazing feeling and I know exactly what you mean. Thank you ❤️
@@MonetsMoney you’re welcome!
Hi!!! The most I have been learning is when running out of the money you I put aside I can’t go get it from a other spot. It was hard for me but I’m getting better. I love watching your videos I have learned a lot thank you very much
Yes self control can be hard, glad that you are getting a better handle on it. Thanks for sharing ❤️
New subscriber here. I love your debt tracker. What I like about budgeting is the accountability and knowing where my money goes.
Welcome to the family! Thanks for the support and for sharing 😊
Give awaycentry: I started budgeting in Dec and I am loving it, what I enjoy most about budgeting is that I know where my money is going and also it makes me happy seeing my money grow with time.
"Makes me happy seeing my money grow" Agreed and I'm happy you are enjoying your journey. Thanks for sharing ❤️
Love budgeting and getting things done!!! Checklist Queen!!!
I'm the same way, so satisfying. 😊
I enjoy having control over my finances and also watching my progress ❤️ love your videos ❤️❤️❤️
Thank you 😊
I love budgeting because I love to see the progress per month of how much I can save if I set my mind to it even if it’s just a small amount.
Yes progress is amazing, no matter the amount. Thanks for sharing ❤️
I love how challenging it is and instill discipline to each and everyone. I find it so fun with your help. I feel like you are my spirit animal I do resonates you a lot and I love how you share your struggles when you first starting it because i can really feel its okay to make mistakes from the start hehe nobody really perfect but you motivate me not to give up and continue bcoz those baby steps can go a long way. As you do your debt snowball and envelope. I do have mine . It seems with you i have someone I work with even were apart. 😍 Iloveyou monet and thank you for making videos like these because you really help us save ourselves from financial problem
Aww this was so nice to read. Thank you so much for your kind words. I agree with you when you talk about challenges and it is definitely okay to make mistakes. Also yes, you will always have someone to work with you because we are in this together. ❤️
Giveaway Entry!
What I love most about budgeting is taking control of my LIFE, working towards my goals and being stress free!
Yes! All 3 are amazing and so true! Thank you ❤️
I like organizing my money and saving as well. Thanks so much for what you do it is motivating for me!
It is a great feeling. Thank you for sharing ❤️
Entry to Giveaway: The most that I enjoy of budgeting is managing my money and not overspending the money on things that aren’t needed. It helps a lot!
I agree with you that your payments should go towards to one loan and not be split it’s easier to see one less loan
I agree, budgeting has helped a lot when it comes too overspending. Thanks for sharing ❤️
Always you ask, and here I am saying.... when it comes to saving for the future, your youth counts for more than your debt. You will never be any younger, so whatever you save today will be compounding interest from now to whenever. Eventually, you WILL pay off your debt. But at that time, you will be older and have lost the benefit of years on interest. Please.. from someone nearly three times your age who did as you are now when I was your age. Well done. Persevere. Save and reduce debt. In a matter of a year or two you WILL be debt free. AND you will have money in the bank accruing interest as well. A win-win
Always appreciate your comments ❤️ Thank you for always reminding me when I forgot and thank you for the motivation to keep going. Truly brought a smile to my face.
Budgeting is so freeing having a plan!
Yes I agree! 😊
I enjoy budgeting bc I know where our money is going to and that lets me sleep good at night 😆
100% agree. I also used to have sleepless nights and I completely understand this. Thank you ❤️
Yeah I would do the same and just eliminate the lower amounts one by one. If they offer 10k in loan forgiveness you can tackle this quickly.
That would be amazing if they do that. Thank you for the feedback ❤️
Ooooo look at you go! So close you can almost taste it! Those loans are going to be gone before you know it!
Yes I can't wait. Thank you ❤️
I also like the peace of mind and to know I'm on the right track.
Peace of mind is a major benefit. Thanks for sharing ❤️
Giveaway Entry: It is so inspiring to see you conquer these debts every video. I truly appreciate you sharing your journey! I've made several attempts to budget and failed at it. Following the budgeting community and realizing all of the different savings challenges; It's actually fun to save! And my son and I do some challenges together. Sticking to realistic numbers each paycheck isn't always easy, but I am discovering that I am really enjoy saving for things that are more important to me. Btw, love the new envelopes 😊
I'm glad you never gave up when it come to budgeting and you found a process that works for you. I also love that you and your son do challenges together, thats amazing. Thank you for the support ❤️
Giveaway Entry: This is my first year having a budget planner but I really enjoy cash stuffing and being able to see everything written down in one place.
I agree. The benefits of cash stuffing are a big help to me as well. Thanks for sharing ❤️
When I heard you say gazelle intense I knew you watched Dave Ramsey. He would suggest that you put all of your money on the debt (I'd say just cut back on some other areas) and look for a side job so you can put a dent in your debt in a shorter period of time.
Thanks for the suggestion.
I want to be entered into the giveaway. What I enjoy most about budgeting is the control it gives me over my finances. I am more alert to income vs monies going out so it's not spent frivolously. Thank you.
Yes being more in control is a great feeling when it comes to your finances. Thank you for sharing ❤️
I would like to enter the giveaway. The one thing that I enjoy about budgeting is the intentional part about it. I enjoy being in control of my finances and understanding my exact income. I also enjoy distributing out funds specifically for my budget. This gives me understanding of what I can afford and what I cannot afford and work on increasing my income and decreasing expenses when needed to accomplish certain goals in life. 🤞
"Understanding what I can afford and what I cannot afford" This can be a hard concept for some people to understand. I'm glad its working out for you ❤️ Thank you
@@MonetsMoney yes, it was hard for me at one while but I stopped spending money I really didn't have and if I really wanted something I worked to earn extra income to handle that certain expense.
I like to know where my money is going and to make sure all bills are paid.
Agreed this shows great control and feels great. Thanks for sharing ❤️
I would like to be entered into the giveaway. I am new to the cash envelope method but its working out for me and love your easy to follow videos about getting set up. I enjoy when I see my pile of debt getting smaller, big sigh of relief and weight off my shoulders.
Thank you! Glad that the system is working out for you and I'm wishing you well on your journey. Thanks for sharing ❤️
You’re crushing it!!! 🎉🙌🏼
Thank you ❤️
Hi Monet and Bestie! I want to be entered into the giveaway. What I enjoy most about budgeting is allocating the money in my monthly budget worksheets. I really have more than one but using my monthly worksheet is number one.
Worksheets are a great help, glad that you found something that works for you ❤️
I love the colors of the envelopes.
Thank you ❤️