Hey Besties!! I am using the digital version of The Budget Moms Budget By Paycheck Workbook. Here's the link if you are interested ▶ budgetbypaycheck.com/
Yes hang in there! I'm a single mother of 14 and 17 year old sons. Been on my own with them since they were 6 and 8! I've been to hell and back but still standing! Sending prayers your way!🙏🏽❤️
I am currently single mother of 3 kids under 5 and 2 of them about to start daycare. I totally understand. I am very focused on where my money goes at this time. I have cut non essentials as much as possible. I am also working at increasing my income and bring more money in. It's not easy. Take it one day at a time. Sending you prayers and love. You got this mama ❤
I love that you stated, "Im not afraid of Autopay". The issue of being scared is like you said, the fact that you can not get the money back if you want to spend it on something else. Good information, thank you for your help.
Like you said in a previous video, one way to "make more money" is to give your budgeting approach a realistic look. Be honest with ourselves and "find" the "more money" we need in what we already have. This is not a quote but I think it's the essence of what you said. We have been doing exactly that and it works! Who knew? Oh, can you comment on how we should approach our tax refund? Ya' know, folks get all excited when tax refund time comes. I have already read the riot act to my husband as to what I want to do with ours. Thankfully, he agreed; haha.
Great video! My husband's health is failing and he is going to have to retire in July. I have been doing everything I can to prepare for that loss of income. Your videos are helping me so much. Thank you.
I have been struggling with this so much. I'm so tired of living paycheck to paycheck. I just stumbled upon this video in hopes that it helps me out more. I don't make no more than 2200 a month and that's still not enough to cover everything. That's not including having to buy groceries. Im a single mother of 1 and it's just so hard.
Thank you for keeping it real. Being honest and making this truthful. Helping all of us in every situation. I look forward to all of your videos. I don’t always comment but I watch every video. When I can I binge them. Love you Bestie.
Excellent topic! It happens to everyone usually at the worst possible time. For a gift to subscribers how about an extra video about a topic that most think is money taboo? Example many people won't talk about money at all let alone debt or other bad financial situations. Maybe how to talk to someone about getting help and a list of where to go to get educated on money or help? Any taboo money topic that would shine a light on money issues. Just an idea that all your besties can benefit from. Thanks for the video.
You are giving us something that giveaways can't, and that is knowledge. Keep putting out that content. I actually wish it was more than what you do now, but I won't be greedy. Thank you for allowing the Lord to use you in such a tremendous way.
I love your videos Jazmine! So SO pleased at the end you talked about lowering expenditure rather than over budget so you have a minus budget. I follow YNAB’s methodology (which is also a zero-based, envelope system only I budget digitally!), which means if you only had $130 left, that’s all you should budget. Lower grocery bill for a coupla weeks, try to go out less to conserve gas etc. it’s tough, but it’s the only way to go to stop sliding into further debt. I had $50K in consumer debt at one point (yes, really) but switched to YNAB in 2014 and have been debt free (aside from mortgage and car) for 10 years, but we’ve travelled to Rome, regularly go to gigs etc. it has literally changed my life! ❤
You read my mind! I have this issue sometimes and I'm still waiting on my budget planner so I can follow along. That is crazy, I recently had this happen.
@@BudgetTreasures For my bills, I decided to put either $10 or $20 in each envelope that I couldn't fulfill the whole amount that I needed. And for my big bills like school bill, and rent I had to cover those amounts. When it comes to not having the planner, I just write down all my bills, and split the full amount and I use envelopes and stuff them.
Thank you for sharing! Also don’t be afraid to look for food giveaways. There are many that don’t have any requirements. I’ve used them when things were thin and they are a blessing.
I watched four of your videos back to back and I am so happy I found you! You helped me understand budgeting steps and systems that works for me and family as a single mother of 4. I feel like I can succeed now! A new bestie is subscribing ❤
Hi there. I want to say thank you. I am buying a house by myself and for the first time. I'm obviously scared sheetless, but I'm also a cash budgeter and have a very nice cushion/E-fund but for some reason I'm psyching myself out. Watching this video has reminded me that i live comfortably on the budget i am on. I have already created a budget for things once I move in, so I know that I need to tinker with it if I'm concerned. You reminded me that there are so many cheaper options available to me that I can start taking advantage of now to continue saving. Even if you only put $5 towards household cleaning, "Comet still works". Selling any valuable items that have no use to me anymore for a little extra cash is also easy... Thank you. 🙏
Came in just in time. It's My current situation but hopefully i'm getting through it in the positive and everything covered. God bless everyone that watch your videos.
Bestie, I literally love you and the community! Keep creating content, watching your videos give me inspiration and keeps me focused when I wanna quit.
I agree with everyone I just want more videos you always inspire your one of my absolute favorites you always keep it real and that why I will always come back ❤
I can’t tell you how many times I have wrote that exact line in google. BUT NO MORE.. I am following along, doing my best and really getting my eyes open to my habits at this stage. I am working the No spend Challenge , including writing the affirmations your helping us with. I have had some slip ups, but am gaining awareness and that is a goal in its self.
Good Evening...We are a single income family of 5 I've tried and failed to make a budget. One of my biggest struggles/failures is that bills come out on set dates....i'm paid bi-weekly but those dates change every month...there are some months where the first pay is between the 10th thru the 14th depending on the calendar which there have been some months that I've had to pay bills late or else we'd have no money for up to a week I'd welcome help/suggestions on how to budget when my pay is different each month some bills are due the last week of the month...the vast majority are within the first 2 weeks of the month
I'm low income and just trying to stay above water. I made bad financial decisions in the past that I'm still paying for, but I'm starting my budgeting already. It feels overwhelming, but I know I can do it!!
ADT will not let you out of your contract without paying. BUT, they will reduce the amount of the servicing fees to give you time regroup. They have also given grace periods.
Great video! Looking forward to your future videos about simple ways to make some extra cash, specially from home with a pc or phone. It’s something that really interest me. Something real and doable, not the stupid things and scams get go around
New to cash stuffing and liking your content 😀. I wish my car payment and insurance was $145. I’m in Florida and it all has tripled in the last 3 years.
Thank you for this video!! Also I could not find your video you mentioned The “different accounts “ you use for ( Mortgage- HOA- bill account) Can you link it below, so I can watch it? 😊
This video is right on on time. The next 3 months are going to be low. Luckily I put some cash aside last year knowing that this was coming but I’ll have to be super strict with my spending which is not my strong suit. Your car insurance is cheap compared to mine and it’s just auto. I’ve tried shopping around but the quotes are higher. My guess is until my credit score goes up I’m stuck.
I love your videos. I have a question....I noticed you never budget for entertainment or spending money (ie going to the movies, going to an event, purchasing an outfit for an event) or how you get your hair or nails done. Most certainly not on a paycheck that is tight but on your other paychecks that is not as tight. Can you speak to this?
Thank you so much ❤️ This is a great question. I don’t shop for clothes often since I started back on my journey I believe May of last year. There was a few times that I did not add in my budget and I “overspent” and went against my “no spend” and bought clothes. I show this on my no spend calendar and budget close-outs. Regarding my nails, hair, entertainment, etc. There are times that I do not have to pay for those things as they are gotten/paid for me ☺️ BUT when I do pay out of pocket, I do budget for it, mainly out of my side hustle budget. It wasn’t as structured and that’s something I realized. So. With that being said, this year I have sinking funds for these things and I will show me saving the money and spending it. But to be really honest. My #1 priority right now is getting rid of this debt. Lots of my money goes there. I don’t go outside much ❤️
I am paid hourly, I am the call in monster so I have an avg of what I’ll get paid, but not a set number. I actually get paid two days early on Monday and my paystub isn’t available until Tuesday. I do still plan for the average I make, but I can’t plan to the zero until I get paid. I know I should be going to work everyday, and it’s what I’m currently fighting my flesh on, outside that, would you have any suggestions for me? Please and thank you 🥰
Subscribe subscribe !! I couldn’t hit the subscribe button hard enough , thank you for being transparent with your videos and thank you for this realistic video ! This is real help thank you this gave me a different way at looking at how to budget! Thank you so much !
Gurl... I really don't need anything and I soon enjoy your content and I have gleam lots of cools things from you.... However, indo need and want a calculator, soooo
i cancelled $99 in app subscriptions for my 22 year old with adhd in 7 minutes!! pack lunch and cook breakfast at least on the weekends. sometimes you can go to food pantries that will help on groceries and then can use that money for a bill. overtime, part time jobs. change laundry detergent....tide detergent too expensive right now.
What I would love is a vlog on your other channel 😂😂😂😂. Seriously though you really don’t have to give us anything. Give it to a charity in the besties name
4 kids here. If I need help I ask. I know wats it like to be in debt. This may sound but a lot of sahm should be ashamed of yourself. If u and hubby is struggling u can't help secretly screw his pride. You are this man helpmate not nanny not mommy. Alot of women who can do it is overlooking jobs men is letting go say like truck driving or if u have it Boeing they pay very well. U wanna get at me for sahm comment don't care. It's the truth. Stop sitting on the sidelines waiting for better and be better you have kids looking at u remember that.
![Noob To Max With DRAGON REWORK In Blox Fruits [FULL MOVIE]](http://i.ytimg.com/vi/LnBMOinoOvA/mqdefault.jpg)
Hey Besties!! I am using the digital version of The Budget Moms Budget By Paycheck Workbook. Here's the link if you are interested ▶ budgetbypaycheck.com/
Thank you
My current situation. And I also have a 14 months old to take care of. Single mother life.
Awee. I totally understand. I’ve been there. My daughter is 21 but I was a single mother since birth so I totally understand. It’s going to work out
Yes hang in there! I'm a single mother of 14 and 17 year old sons. Been on my own with them since they were 6 and 8! I've been to hell and back but still standing! Sending prayers your way!🙏🏽❤️
I am currently single mother of 3 kids under 5 and 2 of them about to start daycare. I totally understand. I am very focused on where my money goes at this time. I have cut non essentials as much as possible. I am also working at increasing my income and bring more money in. It's not easy. Take it one day at a time. Sending you prayers and love. You got this mama ❤
@@blackwomenbuildwealth Thank you! ♥️
@@BudgetTreasures Thank you! ♥️
I love that you stated, "Im not afraid of Autopay". The issue of being scared is like you said, the fact that you can not get the money back if you want to spend it on something else. Good information, thank you for your help.
So true...LOL!
Like you said in a previous video, one way to "make more money" is to give your budgeting approach a realistic look. Be honest with ourselves and "find" the "more money" we need in what we already have. This is not a quote but I think it's the essence of what you said. We have been doing exactly that and it works! Who knew? Oh, can you comment on how we should approach our tax refund? Ya' know, folks get all excited when tax refund time comes. I have already read the riot act to my husband as to what I want to do with ours. Thankfully, he agreed; haha.
Great video! My husband's health is failing and he is going to have to retire in July. I have been doing everything I can to prepare for that loss of income. Your videos are helping me so much. Thank you.
make sure you apply for ACA medical, social security, council on aging programs WHATEVER. Use your retirement wisely
I have been struggling with this so much. I'm so tired of living paycheck to paycheck. I just stumbled upon this video in hopes that it helps me out more. I don't make no more than 2200 a month and that's still not enough to cover everything. That's not including having to buy groceries. Im a single mother of 1 and it's just so hard.
Thank you for keeping it real. Being honest and making this truthful. Helping all of us in every situation. I look forward to all of your videos. I don’t always comment but I watch every video. When I can I binge them. Love you Bestie.
Thank you so much Bestie!! Thank you for letting me know that you are here and you are finding the content helpful. It means more than you know 💜
Excellent topic! It happens to everyone usually at the worst possible time. For a gift to subscribers how about an extra video about a topic that most think is money taboo? Example many people won't talk about money at all let alone debt or other bad financial situations. Maybe how to talk to someone about getting help and a list of where to go to get educated on money or help? Any taboo money topic that would shine a light on money issues. Just an idea that all your besties can benefit from. Thanks for the video.
That is a good idea. Thank you for that...
You are giving us something that giveaways can't, and that is knowledge. Keep putting out that content. I actually wish it was more than what you do now, but I won't be greedy. Thank you for allowing the Lord to use you in such a tremendous way.
Loved the video! Thank you so much for the advice!!
Almost at 50k!! I’m a silent subscriber but I want to say keep doing what you’re doing! Thank you!
Enjoyed your video!! I just had to use some money from my month ahead to cover bills a few weeks ago! I was thankful I had the money set aside ❤
I love your videos Jazmine! So SO pleased at the end you talked about lowering expenditure rather than over budget so you have a minus budget. I follow YNAB’s methodology (which is also a zero-based, envelope system only I budget digitally!), which means if you only had $130 left, that’s all you should budget. Lower grocery bill for a coupla weeks, try to go out less to conserve gas etc. it’s tough, but it’s the only way to go to stop sliding into further debt. I had $50K in consumer debt at one point (yes, really) but switched to YNAB in 2014 and have been debt free (aside from mortgage and car) for 10 years, but we’ve travelled to Rome, regularly go to gigs etc. it has literally changed my life! ❤
You read my mind! I have this issue sometimes and I'm still waiting on my budget planner so I can follow along. That is crazy, I recently had this happen.
Yess!! What did you end up doing to get you through? If you don’t mind sharing
@@BudgetTreasures For my bills, I decided to put either $10 or $20 in each envelope that I couldn't fulfill the whole amount that I needed. And for my big bills like school bill, and rent I had to cover those amounts.
When it comes to not having the planner, I just write down all my bills, and split the full amount and I use envelopes and stuff them.
Thank you for sharing! Also don’t be afraid to look for food giveaways. There are many that don’t have any requirements. I’ve used them when things were thin and they are a blessing.
You just helped me out more than you can ever know 😊😊😊 thank you 🙏
That has happened to me so many times. Luckily I have been able to do payment plans or make split payments
Yes!!! It is helpful when needed. Most companies will for sure work with us
New subscriber 👋 love your voice and personality! Thank you for sharing 🤗
My situation is I still live with my parents and just learning financial education hopefully I find work soon
Great video ❤❤❤🎉
You are brave to share your expenses. Wow. It's so encouraging and supportive! Thank you, Jazmine! 🌺
What an awesome video!! So excited to see you hit 50k and beyond!! You deserve it!🎉❤
hey Bestie!! Thank you so much!! 💜💜💜
I watched four of your videos back to back and I am so happy I found you! You helped me understand budgeting steps and systems that works for me and family as a single mother of 4. I feel like I can succeed now! A new bestie is subscribing ❤
Thank you so much for being here. I’m really glad that you find the information valuable. Let’s grow together Bestie!!
Hi there. I want to say thank you. I am buying a house by myself and for the first time. I'm obviously scared sheetless, but I'm also a cash budgeter and have a very nice cushion/E-fund but for some reason I'm psyching myself out.
Watching this video has reminded me that i live comfortably on the budget i am on. I have already created a budget for things once I move in, so I know that I need to tinker with it if I'm concerned.
You reminded me that there are so many cheaper options available to me that I can start taking advantage of now to continue saving. Even if you only put $5 towards household cleaning, "Comet still works". Selling any valuable items that have no use to me anymore for a little extra cash is also easy...
Thank you. 🙏
Came in just in time. It's My current situation but hopefully i'm getting through it in the positive and everything covered. God bless everyone that watch your videos.
So Excited!!! You popped up in my feed!!! Much needed &&&& REALSTIC( thank you for your time and the breakdown)❤❤❤❤
You’re favorite RUclipsr, your videos are so relatable ❤
Good Morning, I love this video. Well done.
Bestie, I literally love you and the community! Keep creating content, watching your videos give me inspiration and keeps me focused when I wanna quit.
Awe Bestie!! Love you back!! We are going to get to the top togetha!!!
I agree with everyone I just want more videos you always inspire your one of my absolute favorites you always keep it real and that why I will always come back ❤
I can’t tell you how many times I have wrote that exact line in google. BUT NO MORE.. I am following along, doing my best and really getting my eyes open to my habits at this stage. I am working the No spend Challenge , including writing the affirmations your helping us with. I have had some slip ups, but am gaining awareness and that is a goal in its self.
Yes it is...No one is perfect...I still struggle at times...I hear you...NO MORE!!
I needed this video!! Thank you!
Yayyy ❤️ I am glad 🙂
Good Evening...We are a single income family of 5 I've tried and failed to make a budget. One of my biggest struggles/failures is that bills come out on set dates....i'm paid bi-weekly but those dates change every month...there are some months where the first pay is between the 10th thru the 14th depending on the calendar which there have been some months that I've had to pay bills late or else we'd have no money for up to a week I'd welcome help/suggestions on how to budget when my pay is different each month some bills are due the last week of the month...the vast majority are within the first 2 weeks of the month
Thank you for the video ❤
I admire your strength!!!
I love the bimonthly pay videos. They align perfectly with mine.
I'm low income and just trying to stay above water.
I made bad financial decisions in the past that I'm still paying for, but I'm starting my budgeting already. It feels overwhelming, but I know I can do it!!
❤ loved this video
Thank you
ADT will not let you out of your contract without paying. BUT, they will reduce the amount of the servicing fees to give you time regroup. They have also given grace periods.
Love your videos. You keep it real!
Great video! Looking forward to your future videos about simple ways to make some extra cash, specially from home with a pc or phone. It’s something that really interest me. Something real and doable, not the stupid things and scams get go around
I looove the intro! More like this please 🙏🏾 I love your rings 🫶🏽
Thank you for explaining everything so clearly and well!
What does zero based budget mean
It means that you budget every single dollar. You give it a name.
Thank you so much I appreciate your knowledge.i I did share with my love ones.
A very timely video!!! Thank you ❤
Just love your videos
They help so much ❤
Really excited about the side hustle video
Great video as always!!
Thank so many great ideas and very informative
New to cash stuffing and liking your content 😀. I wish my car payment and insurance was $145. I’m in Florida and it all has tripled in the last 3 years.
Thank you! That is what someone else told me. I thought mines was high
Please define roll over ? I know I can google it but what’s your definition?
Money left over after all bills are paid
Love your videos, so helpful. And AAA is very worth it.
Great video
Thank you!!
Good morning 😃 🎉🎉
This video was right on time
Right on time hey girl
Hey girl heyyy!!!
Thank you for this video!! Also I could not find your video you mentioned The “different accounts “ you use for ( Mortgage- HOA- bill account)
Can you link it below, so I can watch it? 😊
Love the video! Where is your budget planner, calculator and other supplies from?
Hi love u! Where’d u get ur budget book? Tia
Hello There Bestie!! I got it from The Budget Mom. I believe that it’s linked in my pinned comment
This video is right on on time. The next 3 months are going to be low. Luckily I put some cash aside last year knowing that this was coming but I’ll have to be super strict with my spending which is not my strong suit. Your car insurance is cheap compared to mine and it’s just auto. I’ve tried shopping around but the quotes are higher. My guess is until my credit score goes up I’m stuck.
Really...I did not know that car insurance quotes was based on credit. I thought that it was based on driving records...I've gotta do more research
@@BudgetTreasures that’s what I’ve been told it is. My record is good no accidents or tickets other than a no registration in years.
Hello Jasmine. Where do you purchase your stickers? I love them! Thank you.
Hi Jazmin, Can you do one if you get paid once a month?
Thank you Jasmine. If you must send me lol something I want one of your beautiful pens❤❤ Just kidding. Keep sharing with us!!
Awee! Thank you!!
I have Geico and they offer free towing. So maybe you might not need AAA.
Would I be able to add my daughter? I Iike AAA because they have battery service as well
This us my current situation and um trying to figure out how to not keep going from paycheck to paycheck
Me too ! Just beginning myself!
@@missybrooks3094 hey me too. I feel like I'm swirling around even though I'm going over everything and I keep second guessing it all
Stay the course. Do not give up. Sometimes it takes a while to really perfect the budget
Where is that calculator from? ❤
Good ole Amazon a.co/d/e37PTEp
Im just getting started; can you please tell me where to find your workbook. I looked on Budget Moms Esty, and I can't find the printable.
I have it linked in the pinned comment...
But here is the link... budgetbypaycheck.com/
I love your videos. I have a question....I noticed you never budget for entertainment or spending money (ie going to the movies, going to an event, purchasing an outfit for an event) or how you get your hair or nails done. Most certainly not on a paycheck that is tight but on your other paychecks that is not as tight. Can you speak to this?
Thank you so much ❤️ This is a great question. I don’t shop for clothes often since I started back on my journey I believe May of last year. There was a few times that I did not add in my budget and I “overspent” and went against my “no spend” and bought clothes. I show this on my no spend calendar and budget close-outs. Regarding my nails, hair, entertainment, etc. There are times that I do not have to pay for those things as they are gotten/paid for me ☺️ BUT when I do pay out of pocket, I do budget for it, mainly out of my side hustle budget. It wasn’t as structured and that’s something I realized. So. With that being said, this year I have sinking funds for these things and I will show me saving the money and spending it. But to be really honest. My #1 priority right now is getting rid of this debt. Lots of my money goes there. I don’t go outside much ❤️
@@BudgetTreasures Thank you so much for your transparency.
I am paid hourly, I am the call in monster so I have an avg of what I’ll get paid, but not a set number. I actually get paid two days early on Monday and my paystub isn’t available until Tuesday.
I do still plan for the average I make, but I can’t plan to the zero until I get paid.
I know I should be going to work everyday, and it’s what I’m currently fighting my flesh on, outside that, would you have any suggestions for me? Please and thank you 🥰
Do you still have the link for the reduced price on Microsoft office? The monthly price is too much. Loss my job, and I need to reduce my expenses
Subscribe subscribe !! I couldn’t hit the subscribe button hard enough , thank you for being transparent with your videos and thank you for this realistic video ! This is real help thank you this gave me a different way at looking at how to budget! Thank you so much !
Gurl... I really don't need anything and I soon enjoy your content and I have gleam lots of cools things from you.... However, indo need and want a calculator, soooo
Sooo if you really want to give anything away, I'd like a calculator.
Hello ❤
Hello there!!!
💜💜💜
Shopping your pantry as well as going meatless can potentially eliminate a grocery bill for a week or so.
i cancelled $99 in app subscriptions for my 22 year old with adhd in 7 minutes!! pack lunch and cook breakfast at least on the weekends. sometimes you can go to food pantries that will help on groceries and then can use that money for a bill. overtime, part time jobs. change laundry detergent....tide detergent too expensive right now.
What I would love is a vlog on your other channel 😂😂😂😂. Seriously though you really don’t have to give us anything. Give it to a charity in the besties name
LOL!!! Bestie!!! it is actually coming next week...It should be 😩Aweee!! How sweet are you!
Hey hey hey I pay $15.49 too for Netflix
Oh good...It is not just me
😊❤😊❤😊
4 kids here. If I need help I ask. I know wats it like to be in debt. This may sound but a lot of sahm should be ashamed of yourself. If u and hubby is struggling u can't help secretly screw his pride. You are this man helpmate not nanny not mommy.
Alot of women who can do it is overlooking jobs men is letting go say like truck driving or if u have it Boeing they pay very well.
U wanna get at me for sahm comment don't care. It's the truth. Stop sitting on the sidelines waiting for better and be better you have kids looking at u remember that.
Do you mind telling us what your bi-weekly take-home is?
Hey Queen 🤍
Hey Bestie!!!
🤎🤎
Great video