Haircuts? Don’t you normally go to Virginia once a year- anything set aside for travel? What about fun money unrelated to stickers or eating out, since you take eating out from your grocery budget? Things like the movies or outings with your grandkids? Clothes/shoes/accessories?
Considering the tightness of your budget and the lack of wiggle room, I'd suggest putting at least half of your youtube income into savings. A ten year old car might need to be replaced at any time and there's no telling what other "surprises" might be in store for you. Once your $$$ go into the mortgage, they are gone, gone, gone.
I love both of the flower options and it's kind to choose one over the other. It really would depend on the space I put them in. I absolutely love this video and think this is a wonderful idea in preparation for next year's budget and expenses. This is precisely the intentional spending I want to integrate into my system.❤
Pretty tight budget! Thank goodness for RUclips! Keep those videos coming! You didn't mention it, but watchers might want to know that your google storage is also a tax-deductible cost of video production.
You haven’t listed ‘Take Out’ or ‘Eating out’. I would think about that. I know most often Carol Ann treats you but you do sometimes tend to get you something’s throughout the year. Don’t want you to miss out on that McDonalds run or something.
Great budget plan for 2025! Just as long as you're sure the math is mathing for your grocery challenge? 1 - 100 is $5,050.00 and you're budgeting $5200. 😵 LOL. You should start a new series on extreme minimalist groceries! You could give Frugal Fit Mom a run for her money! Have a great weekend!
With tax write offs - you get to deduct the amount ($456) from your taxable income. I'm assuming you pay about 22% of your income in taxes, so you would get to not pay %22 of $456, which is only $100.... so you still pay $356 a month. That feels like a lot for stickers when you could buy a couple sheets of stickers at a craft store for $10 and put money into an IRA for retirement or pay off your house or save for a new car.
Savings is in there as is utilities in the joint account. Clothes would be spending money more than likely but I’ll consider adding it after I lose more weight
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What a great budget plan
Haircuts?
Don’t you normally go to Virginia once a year- anything set aside for travel?
What about fun money unrelated to stickers or eating out, since you take eating out from your grocery budget? Things like the movies or outings with your grandkids?
Clothes/shoes/accessories?
Oof I totally forgot about vacation!
We got some of these for my FIL funeral 3 years ago. They are still just as beautiful today as they were back then. ❤
Wow 3 years? That’s amazing!
Beautiful flowers and a great video. I'm going to do this yearly budget. Great idea. ❤
Considering the tightness of your budget and the lack of wiggle room, I'd suggest putting at least half of your youtube income into savings. A ten year
old car might need to be replaced at any time and there's no telling what other "surprises" might be in store for you. Once your $$$ go into the mortgage, they are gone, gone, gone.
Love the flowers especially the yellow one 😊💛
Wow Lisa, you are amazing! Look at how far you have gone since you got out of debt. 🎉❤. Congratulations on the new home.
Thank you!!! ☺️
This is super helpful! I am going to sit down and get all my ducks in a row!
I love both of the flower options and it's kind to choose one over the other. It really would depend on the space I put them in.
I absolutely love this video and think this is a wonderful idea in preparation for next year's budget and expenses. This is precisely the intentional spending I want to integrate into my system.❤
This is great, Lisa, I’m going to see how this looks for me also. I LOVE the pink dome roses!
Pretty tight budget! Thank goodness for RUclips! Keep those videos coming! You didn't mention it, but watchers might want to know that your google storage is also a tax-deductible cost of video production.
Ohhhhh I didn’t think about that!
@@LisaMarieBudgetsdo you use a tax professional to assist with what's deductible for YT expenses?
What about clothing and shoes
You haven’t listed ‘Take Out’ or ‘Eating out’. I would think about that. I know most often Carol Ann treats you but you do sometimes tend to get you something’s throughout the year. Don’t want you to miss out on that McDonalds run or something.
I’ve been using the food/grocery budget when I eat out.
Have you managed to top up your $10,000 emergency fund?
❤ pink
Great budget plan for 2025! Just as long as you're sure the math is mathing for your grocery challenge? 1 - 100 is $5,050.00 and you're budgeting $5200. 😵 LOL. You should start a new series on extreme minimalist groceries! You could give Frugal Fit Mom a run for her money! Have a great weekend!
It will take me at least 2 years to complete the 100 envelope challenge.
I personally think costs are really going to go up for groceries and fuel especially if the next administration puts in the promised tariffs.
A sinking fund for a replacement vehicle? I still need to add that one.
Yes, that is definitely in my 5 year plan!
Everyone should have a Car Fund. I own my current car but I know at some point it'll need to be replaced.
With tax write offs - you get to deduct the amount ($456) from your taxable income. I'm assuming you pay about 22% of your income in taxes, so you would get to not pay %22 of $456, which is only $100.... so you still pay $356 a month. That feels like a lot for stickers when you could buy a couple sheets of stickers at a craft store for $10 and put money into an IRA for retirement or pay off your house or save for a new car.
It’s per year not monthly. It’s a business expense like my nails. Also, I love them and they make me excited to budget. 🩷🩷🩷🩷🩷🩷
You didn't include mortgage
It’s included in the money going to the joint account. Tomorrow’s video will break down the yearly joint budget!
We share the same birthday ❤
Utilities? Clothes? Emergency Fund?
Savings is in there as is utilities in the joint account. Clothes would be spending money more than likely but I’ll consider adding it after I lose more weight
Are you not going to have cleaners anymore?
☕️
The flowers are gorgeous, just doesn't fit into my budget right now.