The Budgeting Method That Changed My Life
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- Опубликовано: 29 июн 2024
- I created my first budget in Excel in 2011, and it was a complete failure. Over a period of a year, I tried every budgeting method known to man. I tried the Calendar Method, the Cash Envelope Method, Monthly budgeting, Percentage Budgeting, and the Half Payment Method. Nothing seemed to work.
I’m not going to lie. I gave up on my budgeting efforts for almost a full year. I felt like if I couldn’t grasp the concept of budgeting in a year, I was never going to get it.
Then something happened that changed my life forever.
I got pregnant. I was going to have a little boy. At that point, gaining control of my finances took on a whole new meaning, and it was now more critical than ever that I learned how to manage my money.
I decided to give budgeting another chance, but this time I was going to do it differently. Why did I have to use one method? During my time of struggle, I found a lot of different things about each of the budgeting methods that I tried that I really liked. Was there a way that I could use some aspects from all of them?
It took almost six months, but in the end, I developed a unique budgeting system that changed my life forever.
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ABOUT ME
I'm the blogger behind www.thebudgetmom.com. I have a rambunctious 6-year-old son, live in Washington, and I'm passionate about helping people with money management and personal finance. Let me know what you like to learn more about! Leave me comments and suggestions on my video and let me know!
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I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Reynold Felicia
Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states.
Isn't that the same Reynold Felicia that my neighbors are talking about, she has to be a perfect expert for people to talk about her so well.
As a beginner what do I need to do? How can I invest, on which platform? If you know any please share.
SHE'S MOSTLY ON TELEGRAMS, USING THE USERNAME
This is how I have budgeted for years! And I’ve saved over $100,000 and paid all my debt!
Lacee Snow omg congratulations
Yup ditto! I got tired of doing into my savings after overspending every single month, so I started doing this in 2008. Definitely a life changer and the best way to save more money without even missing it!
I use an excel spreadsheet. I could never keep up with a traditional calender like this, or anything that requires me to hand write it lol.
Congratulations, that's so encouraging
Lacee Snow how ??
You're blowing my mind when you said the emergency savings has to be treated like a bill! I've been treating it as a sinking fund that sometimes gets saved and sometimes doesn't. So simple but whoa!
Spotify subscription is listed as "utilities". I like this lady
Budgeting needs to be thought in school I’m glad I found this
Tiffany London budgeting needs to be taught in home . Some schools do teach financial peace junior . Others give kids unrealistic budgets and teach budgets wrong teach about credit cards wrong better to teach in home where you can give the right information .
@@nicolelink2419 if everything can be taught at home. What's the point of school then. By (school I mean high school)
@@nicolelink2419 but what's the point of school? Not every child has a reliable parent to teach them EVERYTHING. Most parents have 9 to 5 jobs and are busy 24/7. Instead of teaching us calculus and pointless history, how about teaching budgeting, job opportunities, essay development, retirement fund importance, difference between debit and credit etc.
@@jordanpierre6775 they teach that in Financial Literacy 🙃 I took the class in my senior year
@@chrisconel8384 trust me my guy not EVERY school has those type of classes. I wish they did.
I’m 22 and you just Saved me years of confusion and big amounts of debt, I’m so grateful for your channel!!!
3:36 Calendar Method
5:36 Paycheck Bill Tracker
10:48 Cash Envelope Breakdown
12:07 Expense Tracker
14:21 Debt Payment Plan
15:23 Savings Plan
15:57 Savings Tracker
16:29 Monthly Net Worth
Trixie Tan thank you!
The kakebo method is missing :D
THANK YOU ! Trixie Tan
Bless you!
Thanks 🙏
Just a tip: I have panic and anxiety disorder and for some reason I have trouble paying with cash at the grocery store, I just can’t do it without going into full panic mode. I use a debit card to make paying at the register faster and smoother. I have several bank accounts, but only one debit card and I transfer my weekly grocery budget to that card. It works the same as the envelope method, but if you still don’t trust yourself to stay within your limits you can also buy giftcards and put your budgeted amount onto those instead. I did that before and made sure to leave my debit card and cash at home to make sure I didn’t overspend. I also find it easier to track my spending this way because I have one bank account just for paying bills, one for my card and one for savings so I just split my income between those and anything that’s left by the next paycheck goes into savings.
An envelope system consisting of banks??
Same I actually use three debit cards. My main one pays the bills that take priority. My cash app pays gas and extras. Then my step card pays off old credit card debts
When you say one for cards do you mean to pay credit cards?
@@alexascartier617 no, I don’t have any credit cards. I have one debit card and two other accounts.
She said she is budget MOM! everyone wonders why she's yelling.. us MOMs have only 1 volume, you know this. 😅
Omg 💯
Heather Santos ♥️♥️😆😩😊
Heather Santos 😂😂😂 I hear ya
Yes seriously why is she yelling and taking a tone with me. I don’t like it. Lol
Heather Santos , there are some people that don’t hear so well and as she is explaining I am glad she is speaking up rather than sounding like she is whispering
Oh my gosh, this is just what I needed. I'm so excited. I'm a nurse and married mom of 7 (3 are adults and live on their own). I have never budgeted....I mean never. I didn't have a mom who budgeted, so I never saw that growing up. My finances have always been a disaster. I make good money but I never seem to have any money. I'm 45....I have decided 2020 is where I'm becoming financially stable and I just love 💕that I found your website, youtube channel and Facebook groups. Thank-you so much!!!
Budgeting is so important if you want to take control of your financial destiny. This is how Tom and I manage our family finances (3 children) which include our financial goals. ruclips.net/video/rd8WkxvMAqg/видео.html xCC
Totally, nurses are adept at caring for others and forget themselves as priority
Who else in January 2020? I am starting my journey from a monthly paycheck from 10th January! Fingers cross!
Ilona Kreciszewska ME!
I’m right there with you! If you haven’t already, check out Dave Ramsey. He’s completely blown my mind this last week and I find myself binge watching his videos in any bit of spare time I have. My fiancé and I are starting his 7 baby steps and ready to make 2020 our year!!
Me!!
Ilona Kreciszewska Same Here! I recently started using fetch rewards to get money back on groceries. Basically you scan your receipt, rack up points, and redeem the points for a gift card. You can redeem your first gift card at 3,000 points. If you use my referral code (T1U4D) and scan any grocery receipt you automatically get 2,000 points. Just thought I’d share! Happy Saving ❤️
Me! :) I'm approaching 2020 as wanting to be more organised in general, and this will hopefully help me. I need to get thicker paper today to print out the download and some envelopes. :) Happy planning!
The Budget Mom’s budget-by-paycheck method absolutely changed and saved my life! I was already creating a budget for each paycheck, but I was only budgeting my bills. I never even thought to include variable expenses, savings plans and extra debt or extra savings into my budget. Additionally, all of the other financial “experts” and budgeting methods only showed how to budget monthly, but that didn’t (and still doesn’t) work for me! When I first watched this video a year ago, it resonated with me so deeply and was like “a lightbulb” went off. Everything clicked and made sense, and the additions and changes she has made to the process since this video was made are EVEN BETTER! I love this method and now I love budgeting. Miko, you have truly saved my life, and I am creating a better future for my son and me.
My parents taught me how to manage money and when I started my job I knew I wanted to build a budget so that I knew where my money went. I also knew after growing up on Dave Ramsey it would have to be a $0-based budget but I wasn't sure how to lay it out. You provided me with the framework to build it in a spreadsheet (I didn't have the money for your workbook at first) which went from an almost identical copy of yours to something a little more customized to me. I also automated the math lol.
I like using my debit card rather than cash for most things so that if I forget to log a transaction I have a record of it. For me it works, partially because I don't like seeing my account balance go down lol.
I have zero debt and plan to stay that way and have multiple sinking funds. My "extra" money goes to my new car and wedding funds.
I just got my first job and my paycheck drops tomorrow. I want to get a great headstart on budgeting cus I don't want to ride the struggle bus. Thx for the vid!
How is it going! best wishes :)
Yess the struggle bus is reeaall!! Avoid if you can!
If you’re married to a spender, add that person as a category in your budgeting. Lol
My mom actually does this with my dad. She makes sure to budget an extra $100 for his spending money since he likes to get lunch at work, go shopping, etc. She's used the cash envelope system for 30 years. She never has debt she cant pay and her credit score has always been in the 800s. It works.
Abby Nicole nice. So if she’s in a 800 score that means she still using credit cards.
@@marthad.moreno6024 i hope your joking... And if your not i suggest you take this personal information down before he gets arrested.
lol yes
How do you handle subscriptions, say something like Netflix or Amazon orders? Do you pay with your checking account?
I budget monthly as I get paid once per month. I calculate my net worth on a quarterly basis. I was excited to pay off almost $80k in debt (on a low income) over the course of 6 years (student loans/mortgage/credit cards) and build up a savings cushion of 4 months. I am older than you and wish I had started getting a handle on finances earlier!
This was encouraging thanks for sharing
Wow. I’m in a lot of debt. My income is low. I work full time I’m about 60 in debt mostly student loans. This was very very encouraging.
You are very organized and have a plan which is key for gaining control. I budget very similarly to you, but one difference is I will divide each bill by the number of pay periods I will have before it comes due. Most of the time its two pay periods but occasionally 3. I find this brings balance to each pay period budget. Same thing with annual bills (car insurance, property taxes, subscriptions) I divide them by 26 pay periods for the year and make payments to them in a sinking fund.
binge watching to correct my budgeting mishaps.
Me to girl
Same
Lol same
Same here girl. I hope your still going at it ❤️
@@maryjacob4915 with life happening it does get hard, but still working on it :)
I’ve fixed some funds on some stocks and I’m keeping a positive mind, It’s eye opening how most stocks can make you rich over the next 12 months alone with Life-changing returns.
@Sean Roger truly, I’m sticking to long term investment this period, it’s advisable to walk away from day trading if you can’t properly manage risks. However, some stocks in the niche are showing positive signs.
@Joe Robert The stock market seems like a safe bet, crypto prices are notoriously volatile, and it might be too early to start buying some dips, it looks like it’ll get dipper. I already lost a ton of money when I closed all my trades.
I’m trying to take full advantage of the year, I’ve allocated my capital in a safe and sustainable way but still leave room for excitement for individual stocks, cryptos and new exciting opportunities!
@Joe Robert this is promising, I need more info on Frost Hilda’s services, you got any possible means of getting through to him?
@Joe Robert Alright bud! Will reach out to him for clearer understanding of how he operates, will probably join him after weighing my options.
It feels like your yelling at me and it makes me want to make you proud
Cati Young 😂😂😂😂😂
Lol 😂
Same. I deserved this stern talking to. I need someone to kick my arse back into financial shape!
😂😂😂
Lol!!! So true
I just started budgeting in July 2019. (I swear I was stunned at how much I spend on fast food!) But I knew something was wrong when I was spending $1000 over my income. This method just changed the game for me!!!
I just started in July too and had the same thought about fast food and craft stores! Gotta stop!
Same darn food why is it so delicious lol
Girl-this is what I’ve been looking for! I am setting this up this weekend. I am SUCH a visual person, plus I have ADHD and get overwhelmed looking at the full month, or micromanage it, and either way it doesn’t last. I can’t wait to get going on this and to really dive into your site. Binders and highlighters are my JAM! Thank you so much!
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Same
It’s like RUclips knew what’s been on my mind. I have been seriously considering breaking up my budget into pay periods instead of monthly and then here this video is! Thank you! I’m going to try this out
This might have been the most poignant and relatable video on RUclips I've seen yet in my new adventure into major planners and planning for goals. This knowledge is so valuable!! Thanks for putting this out there in such a great way :)
I haven't even finished watching and just had to come down here and say...thank you! This is priceless information and guidance- It's so amazing to have this kind of information from people like you..for FREE! This is literally the first vid I have ever seen and come across of yours...and this is SUCH HIGH VALUE. No fluff...just the good stuff. Just want to let you know that your efforts are appreciated! XX
Also...I'm type A...and this has me actually geeking out about my finances for 2019-so excited!
I'm so glad you started a channel!! I've been following you on insta for a while now!
I have been watching budget videos for months and this is the first one that makes sense! Thank you so much!
Giiiiirllllll……. I wish I was as proficient as you when I was your age. I am now 50 and I also budget per paycheck. I do take it one step further because my paychecks can be different every time. I use the paychecks I receive for one month and use that money for the following month... so I am 1 month ahead. Budgeting is very visual for me and if I use the money I make currently for next months bills, I can plan much better knowing EXACTLY how much I have to work with instead of waiting till I get paid. This plan just works for me. I am debt free and only have my mortgage and I have about 50% of my mortgage debt saved so far. I want it paid off in the next 5 years and I couldn't do it without budgeting.
I'm trying to get on your level! :)
Oh that makes sense. I, too, need to pay ahead from last months.
If you have a mortgage then you're not debt free.
@@ZimZam131 Definitely on her way though. 👊😎
@@MrDJCue Yeah, she's ahead of me.
You have given me hope! I'm so glad RUclips recommended this video. Genius!
The planning was essentially what I was doing with my budget in theory. Budgeting by paycheck and breaking down bills according to each. But I think what I'm lacking is the visual aspect of it on the calendar. Plus I never thought about comparing assets vs liability. My husband and I don't have hardly any debt, we have managed to pay it off the last couple years completely. But it's nice to have a visual for even the 401k, home repair funds, stuff like that. As well as, it is SO much easier to spend money when you carry a debit card. I will definitely be locking mine up like I did the credit cards and have just the amount I need. Brilliant! Thanks so much.💕
I’ve been using your exact method for years. I do see some things I can tweek and get more in depth with. Thanks for the tips!!
It's super cool to see someone else blending different budget techniques into a system that works for them. I recently read a couple of budgeting books (Dave Ramsey and YNAB) and for 2019 I'm incorporating aspects of each to fit my life. After a few months I hope to have a system down that makes my financial plan easier. And the nerd in me appreciates your use of printouts and color-coordination! You gotta make it fun!
YOU ARE AMAZING!! I found you on insta a few weeks ago and was so intrigued, I just had to find you on RUclips!! Thank you so much for sharing!!
Ohhh my goodness, I'm only 10 minutes in & you have no idea how perfect timing this video is for me!!!!! I have subscribed to your channel. I have made some big mistakes with money, spending & credit cards & I already can't wait to sit down this weekend & get my u know what figured out:)
LOVE what you're doing, Mom! So clear, comprehensive, sound, practical. Inspiring. I'm sharing this with many women I know. Mostly new moms who have limited resources.
You have magically taken the frustration out of my attempts at budgeting by advising to first do a spending analysis for the previous month. I am SO GLAD I found this channel, and your blog!! I feel like I can actually maybe do this now!!
I am a 24 year old college student and this has been so helpful. I am trying to get a grasp on budgeting and having financial stability before I get into the real world. This is amazing and I like how you mix methods because no one method worked for me.
I think this budgeting method is not only for moms but for everyone who wants to have a real life budgeting method. Listing all of your expenses first before doing your actual saving will make you realize that you are spending too much so next time, you'll become conscious when you plan to spend money.
OMG! I didn’t want this video to end! Love it. Thank you soooo much ♥️
this is probably completely irrelevant but the hand motions actually helped . Love this video. and it was posted on my birthday
I love this method! I've been struggling with my budget and this explains it so well and really speaks to me! Thank you!
Your videos have closed the gap for me. They helped me realize which parts of budgeting I was “skipping over” the past while we've been in crisis mode. Today you helped me Adult and start saving for some known major future expenses. Thank you for sharing your experiences.
I’m so glad I found this!! I’ve tried so many methods and none of them worked. This one makes sense! I get paid weekly so budgeting for a month didn’t work for me and I always end up with less by the end of the month. Thank you for this!
Great tips! I totally agree that looking at each individual paycheck sets the budget tone. Thank you!
I just came across your channel this week thanks to youtube recommendation 🙏🏼 I was stunned yesterday when I tracked my expenses for August and realized I spent $980 on eating out!!!😭 That was more than enough to get me on check real quick!! Cannot wait to get my finances together!! I have began prepping for our first official month of budgeting in October 🙏🏼🤞🏼🤞🏼
I do my budgeting using excel and it’s a good reminder where the money are being allocated. Our goal in 5 years is to save 100k in our 401k. We only have one income at the moment. We just started this year so this is a big goal for us!
I’ve been using your budgeting tools since January and it’s been a LIFE SAVER!!! You have no idea how much stress goes away when you KNOW you have enough for things and emergencies and everything 😭
Thank you so much for this , as the year is approaching I wanted a better hold on my financial literacy, I’ve studied your videos for about two days! But it wasn’t until I followed your advice that I could finally grasp the concepts ! Thank you so much I feel relieved about starting my budgeting journey . Thank you for teaching me it’s a blessing !
Omg...I struggled with budgeting for the month. Budget by paycheck yesssss! I ordered the workbook today. Excited to get started👍
This video was a game changer and took my budgeting skills to the next level. Been a fan ever since.
Oh my stars. I have just DIIIIEEEEEDDDD trying to do the monthly budget and I never heard of this! Going to try it for August. Thanks!!!
Thank you so much for sharing your method! You helped me have the "AHA moment" to my family budget!
Brilliant!! I just purchased your 2019 Planner pack. Now I have to watch it again so I can take notes for step-by-step instructions. (YES, I am a bit OCD...LOL) Thank you, Miko!!
This is the realist budgeting video I’ve ever seen on YT. I use to be a budget and credit counselor. I use to teach this but the system the company I worked for had wasn’t even as detailed as this. This $h1t is AWESOME!!! Just down right AWESOME. Yes, it is a lot of work but that’s what needs to be done to get out of debt. Thanks for making the video.
I’m so glad I found your channel! This method makes so much more sense to me, I’m actually excited about my check-to-check living situation and feel like this will help me actually get out of it.
This is amazing! I have watched this video over and over and o think I’ll watch it once more just to make sure I’ve got it
Omg!!! I'm a new subscriber☺ thank you sooo much ...I'm new to this budgeting thing jejejj its taking me a good second but I'm learning..trial and error but I'm getting there 😎
This is exactly how I budget and love it!
I have a very strong feeling this method will change my life too!!!! Thank you, Miko! You Rock!
Thank you so much for this! I feel like I’ve tried so many different ways of budgeting and trying this kind of budgeting might be helpful to me!
OMG, this is how I function, but I do it all in my head. I definitely can improve by putting pen to paper to see what's my true household expense patterns are.
Thank you for making this video. I think it’s incredible and I will be trying it out. I’ve been looking for a different way to do things because mine is not working. Again thanks so much.
Omg bless you! I feel like your budgeting system is really going to work for me as college students who receives monthly stipends and has a job. Thank you! I can't wait to start this.
Just bumped into your channel by accident and realized I've been doing my budget this way for a couple years now.
Glad to see others doing it this way as well and that there is a stable madness to the methods! 😁
I love this you inspired me to do this when I get home tonight! I subscribed 🙌
I appreciate you breaking this down. I always stop and start my budget and then I get all thrown off. I plan to start all over again and hope for the best.
I have been budgeting per paycheck for years and that has allowed me to have a clearer view of my finances and pay off most of my debt. Thank you for this video!🤗
Thank you budget mom! Just purchased the budget by paycheck workbook! Can’t wait to start using and implementing these budgeting practices! ☺️
Thank you! I have been tracking my expenses to kick off budgeting in 2019 and it’s crazy to see where money gets mindlessly blown. I’m so excited to get our finances in order!!
Dona Conklin How’s it going?
It actually shocked me to see how much we were spending on impulse buys. After all it’s just a buck or two here and there, right? But wow, when I added up the “few bucks” that both my husband and I were spending it quickly added up to “real” money!
Love dave ramsey method, Love seen your visual tracker sooo nice, will deff try it out🤗
Oh my goodness you are such a life saver. Your method is the only one that’s worked for me...THANK YOU THANK YOU!!!
Thank you...you are so right about budgeting. I was always budgeting monthly but I got multiple income. So I end up sending those. Thank you ...this is what I needed to hear.
Why are you yelling at me?! 😂
I NEEDED to hear this!!! I’m a new and now devoted follower!!!!
Did anyone else stop listening when she started talkings about net worth 😅🤣🤷🏻♀️
Like girl I ain’t worth shit I steadily just trying to make it in life period 😫🤣♥️
It’s okay if you haven’t started saving. It is never too late
I loved this, and your teaching style is phenomenal! Thanks 💖
So thankful to have found this channel! I heard you on a podcast and became so inspired. Thanks for everything!
Omg this will save my financial life. Thank so much ❤️
Thank you for sharing your knowledge. This was a great video. Would you consider making your budgeting tools to fit travelers notebooks and planners? I haven't done printables, and maybe the items wouldn't work as well bc of size. It'd be helpful, though. Happy New Year!
You can i have a classic planner so i print them in 85% and cut around it. You can measure and see what percent you need. And cut around it
I automatically hit subscribe & the bell! Your IG page inspired me to get serious about budgeting. I've been doing it since July & I'm satisfied with my progress. I even got myself a budget planner for the new year. Thank you sooo much!!
I love the idea of the budget by paycheck method. It’s a actionable idea as sometimes my paychecks fluctuate because I work as an RN. I may pick up an extra shift or two and it makes such a huge difference in where the money goes. You are so pretty! This is so helpful and thank you for teaching me your system! It’s great!
I can't wait to start my budget workbook for 2019!
How are you going to do yours? Are you going to make your own planner/budget book?
Me too! I printed off my materials and am settling in tonight to get it started.
I also got the Meal Plan materials. Stupid excited.
This is exactly how I budget, but I have multiple checking accounts. You can open up to 20 checking accounts with Capital One 360, and Savings as well - which I pay tuition, gas, car maintenance, savings, and IRA accounts and it lets you do unlimited transfers or just switch accounts using the same debit card. I also use Discover Debit - it’s free no fees with cash back and I use that one for Christmas spending. I have an Amex Serve Debit Card - also no fees plus Cashback - I use this one for food. Lastly BBVA compass bank also gives you $50 if you deposit $100 and has no fees for online banking.
So you do this instead of the envelopes?
lianne mendonca yes! I love that it builds interest even though it’s a small rate. My AMEX serve cashback card as well as Discover Debit have great cashback deals. I just don’t feel comfortable taking out that much cash and not have a safe at the house so “digital envelopes” is how I budget.
This is extremely satisfying to watch. So orderly and organized.
Finally a budget plan I can do!! So excited for this!
Why u yelling though? 😂😂 jk but forreal you’re so amazing! Thank you for sharing!!! Excited to try this method and use money wiser !
When u track your expenses, do you do it daily or just compile all ur spendings just those two days in the month?
I like the video. I don't budget a standard month but I budget 2 biweekly pays. I also like a lot of your sheets but I would probably keep them on the computer because I doing must things electronically. I love a good spreadsheet lol. Thanks for the inspiration to change up my budget a little.
Traci S When I worked a “regular job” where I was paid bi-weekly, I put a whole year’s worth of paychecks on one page of an excel spreadsheet-very simple and concise, plus the math is all automatically computed. Would you be interested in seeing that?
Denise Kuenzel hello, I would be interested in that spreadsheet. I currently have one on google sheets but I need a more efficient way of tracking
Just downloaded this and am using it on my iPad w/notability app. Going to try to start cash envelopes this month. Thank you for this comprehensive walk through on utilization!
Omg Thankyou!!!! You went in to deep details and that’s just what I needed I kept getting lost and confused on other videos ! Simply because I had questions that weren’t being answered! Omg Thankyou
A cringe point for me in starting this process is doing the expense tracking. It induces guilt. I’m a habitual fast food eater. Not only is it unhealthy for me ( I only way 126lbs) but in the past I have REALLY kicked myself when I added up the receipts I saved. I felt so much bitter regret and really gave myself a hard time. I would end up slightly short on a bill, end up paying late fees on some bills. The “dirty snowball” of losing money in preventable ways only made me feel worse.
You haven’t addressed this situation specifically, but by watching your videos and seeing your posts, esp when you have fallen off the routine & been honest about it, I decided to give myself a little forgiveness too. I’m a busy single parent of a teen girl. I allowed myself to accept that I swing by drive thru (too) often for GOOD reason. Because sometimes: SOMETHING *HAS* to give. I used to get really upset when the sink was full of dishes or dinner required so much prep or cook time or I forgot an ingredient or three, or something happens that made me run late to work, leaving no time to make breakfast, the stress of traffic, the fear of being late to work. After a long day on my feet, simple things like those would be the straw that broke my back.
One day will be a June Cleaver and be more “put together”. But right now Life is running Me. The time I “save” by hitting the “4 for $4” in drive thru helps to alleviate some of the time stress and makes my days *feel* easier. I am a more pleasant mother versus the angry unappreciated mother when school overwhelms my daughter and she doesn’t have the dishes done when I get home.
One day I will have the time and energy to cook at home much much more than I do now. Fast food is pretty much my only vice at the moment. (Yes I am VERY aware of the health implications). And when I am in better financial control of my life, the home cooked meals will taste that much better. I will not let my negative self talk stop me from seeing the BIGGER PICTURE.
I’m not sure if anyone else can relate to the nausea involved in staring at the hard truth we see in our income tracker, but thought I’d put myself out there.
Dinner tonight is chic fil a. I always complete the surveys when they offer free food. It’s my personal bargain.
Thanks for your dedication in sharing your gift, Miss Miko
Budgeting can be hard but Ive helped other teachers on small incomes live a fulfilling life.
This is what I've been searching for ! Thanks for sharing this information!!
I heard your budget workbook sold out. I just subscribed and turned on notifications so I can get an alert when you issue it again. Looking forward to this workbook! Glad I found you girl!
Hi Miko! Sending you lots of love from the Philippines! 😊
I’m an instagram follower since October and never missed your story everyday. I’ve seen your followers grow almost 10k more since then. I’m also a HUGE BUDGETER and you inspire me to stick to it. Congratulations on your new endeavor 😊
P.S.
We have 16-hr time difference so what you post in the morning I’m able to watch every night after I got home from my work.
First of all, I’ve been budgeting since 2004 and I have never found a more thorough system than yours. It’s simple, precise and easy to do! It’s so easy I’m going to teach my three children how to budget using your system. Thank you so much for sharing your system! It’s a life saver!!
Where do you keep track of retirement savings, kids college savings, emergency fund/6 months worth of expenses fund? Does this go on the monthly bill tracker under monthly bills or just under savings plans? These are my top priority after bills over the cash variables so where do you suggest placing these?
Thanks budget mom!!!! You are the best. Just bought my workbook today. I’m pumped!
I feel good about everything except for the net worth tracker because that seems daunting BUT I’ll give it a try, promise. 😂
Oh my Goodness... I absolutely love this!!!! Thank you so much for this. It may seem like a lot at first but it's really not, just have to get use to it. I have failed and failed and failed at every attempt of my budget. But this makes sense to me. Haven't finished video yet but I hope you have these forms as downloads 😀. Just Awesome. I always been a vision learner so that's why I know it'll work for me
Tip # 4 for saving your money, if you are shopping for a big ticket item or a number of the same item in smalls, shop around to get the best price first, then ask for a discount, the store clerk will probably say that they are not authorized to give a discount then you say ok I would like to talk to a supervisor or a manager, if you don't ask, you don't get.
I’m so inspired! I hope I can stay inspired so I can start budgeting my paychecks
Your videos are brilliant! Very helpful and now I’m understanding budgeting.
This is great!!! Thanks for sharing. It’s nice to see such an organized way to approach money