Maybe set up a strict budget for groceries and eating out/drinks for the next couple months and only use cash. When the cash is gone that’s it. It’s so easy to overspend using credit cards. I learned my lesson on that. Love your videos!
I appreciate how you hold yourself accountable with your spending . I’ve been struggling with keeping mine under control as well. I at least now feel better knowing that it does happen and we all aren’t perfect. Thank you for your videos 😊
I mean this with all the love in the world because of all of the “send helps” that came out in your video. When my husband and I were saving for our wedding our “fun” and “going out” was spent very wisely due to planning the biggest fun event which is the wedding. If you’re committing to a personal trainer for the wedding, great! But that comes with sacrifices elsewhere. Eating Out and Groceries have been wildly overspent within the last 3-4 months and that’s quickly becoming a habit. Plan your grocery runs before you leave. Make sure everything you need is on a list for the week, and stop making so many trips throughout the two weeks. That’s a major reason to overspend when you have to keep coming back for “one more thing.” This is ALL to say, you’ve gotten out of debt before and spent Intentionally to get there. I think it’s time to bring the intention back. ❤ You’ve got this girl!
@@ancarter17 the intention hasn’t left (let’s be VERY clear). Most of this is managing having Colin involved in the picture and I don’t control him. I definitely see your advice tho and I hear you. Y’all just only see 1/2 the picture and no one knows the convos we have & his spending/things he’s working through because he’s never budgeted before
Oh please, “send help” was just an expression for maybe feeling a bit frustrated; she has never asked anyone to literally,” send help” solicit advice. Kristen is one of the smartest, disciplined budgeters I know, cut her some slack!
Your unstuffing videos are so enjoyable to watch…I know you don’t like overspending, but it is so amazing watching you make up for the overspending by deciding/transferring funds from other envelopes. Glad to know you’re actually human sometimes when it comes to your budget and just living/enjoying life along the way…great video!
I love the way you do your unstuffings! I mean, the titling of your channel says it all…your approach is intentional. 🤷🏽♀️ Thank you for being vulnerable and showing your over budget real life situation. ❤
I love love love your unstuffing videos just the way you do them. I just want to make it known. I find them very enjoyable and relaxing. Let's drown out the negative comments ❤
What I love about your videos is that you are honest about slip ups but you don't complain, blame or pity-party. You face it and work on creating solutions. I have no doubt You will resolve it in the next few weeks, you can see the challenge areas and that is the biggest step. Hope you had a good time in Johnson City (my son went to college there, nice city).
I love you unstuffings and wish more people did it your way because it’s way more fun. It’s way easier to overspend when using a credit card. But you are still waaayyy ahead of the game because you have envelopes and a lot of savings.
Ig I must be chaotic for loving the flipping of pages all around, lol. However, I don't wish debt on anyone, especially you and Collin trying to start off your marriage on the "debt- free" foot! Lol, I do enjoy how you balance it all out, and get caught up on most of it. I'm praying we all get a tight grip on our spending (myself included) Great video, and as always Thank You for sharing your journey🩵
I love how you do your unstuffings. I like how you find the money in other categories - having only cash stuffed for a year, seeing you unstuff and take from other categories makes me feel better if/when I have to dip in to my categories to balance myself out at the end of the month. Looking forward to the wedding videos and hopefully vacation videos in the future (the last vacation unstuffing really helped me think about spending and planning my trips this year)!
I would suggest giving your spending envelopes a bit more and x the combined eating out and drinks envelopes, each of you get for example $200 for the week and you each manage that. It might be helpful to curb the overspending.
Some helpful suggestions to your send helps lol. So I noticed you guys are eating out and grocery shopping on the same days or within the same couple of days. That contributes to a lot of the overspending. What I do is I think of meals I wants to cook over the next 1-2 weeks and I grocery shop based on that. factor in breakfast, lunch and dinner meals. If you eat leftovers, that’s perfect for lunch meals for the next day. We use to eat out multiple times a day (family of 4) and you spend about the same I use to spend daily. It’s easy to get something fast but then you’re double spending by going to the grocery store. Another suggestion, I’m sure you got the personal trainer to help with your wedding coming up, but I watched your 75 hard and felt you did so good on your own. It’s such a big expense when your saving for your wedding already and overspending on other categories. Last one I promise lol, I’m also a credit card spending and have found I spend wayyyy more because im about to swipe and worry about it later. Maybe try it out for one month, only spending cash and when the money is gone thats it. I need to follow my own advice on that cause I spent sooo much last month it’s a shame. Hopefully this helps out with your budget, you still have a great amount saved in most of your categories, I’d just readjust some things
I love your videos!!! I appreciate the fact you adjust when you over spend. It happens to the best of us!!!! I respect your vulnerability with showing us how you overspend and the journey to get back on track!
I have come to appreciate the way you do your unstuffings. I’m not gonna lie, I do think that one reason your finances are feeling so tight these days is that you’ve spent a lot of money on personal training this year that was spent/committed before you had the funds. Catching up on those significant costs meant you couldn’t stuff savings categories and it’s a cascade effect. Once you’ve saved for the large November training payment, you’ll need to save $100 or so per week rather than the $400 per week you’re allocating to training now.
I think if there is over spending then the $1 challenge does not exist - they go to help with the negative amounts. And I am sure you have enough $1 in the big bag that you can “find” to help with the negative amounts so you can start building back up your envelopes. My other advice is you don’t need new outfits for everything with your wedding. Yes it’s fun and cute but a new outfit for wedding shower and new outfit for rehearsal dinner is a bit much. A bride shirt and groom shirt can be found on a good budget and should be fine.
She has been saving for over a year or more for her wedding,( plus she has a regular savings and emergency fund), it’s her one big day, let her enjoy it!
Thanx for being so real with us. I am on an extremely low fixed income. My plan was to get caught up this past/t check but it was lower than expected and my groceries were higher than budgeted for,( math didn’t work out, 😂), however after watching your video; I’m realizing we all get off track at times. I’m glad you had fun at the concert even though it kind of bit you in the rear end! 😬 Way to keep yourself accountable!
Don’t be too hard on yourselves you and Colin deserve to have fun and you’ll make up for it 😊 life is for experiences & you also did it with the man you love ❤️ that’s so cute & special & your so lucky 😊🥰 hello to Rosie too 🐶 xx🍂🧡🦊🍄
You're living life. It's short. Go and do. You always work it out eventually. I've been here since you were paying off debt. Do your thing. It's your life.
I am always surprised by the extreme amount of money spent on groceries. With the eating out and drinks seems like you two are spending half your income on food and drink. Just seems like you are negative a lot which means you either have to allocate more or spend less. Have you thought about adjusting the food and drink budget?
I probably would have pulled from one of the savings categories, but I’m sure you have your reasons. It may be worthwhile to adjust the budget to what your spending trends are since you’re continuing to go over budget win your food categories.
can you pull from your dollar challenge pouch? technically that money IS part of your stuffing.....vs pulling from other categories for this unstuffing. not all challenges need to be 'successful' :)
Johnson City is in my neck of the woods. I hope you had a great time! Combining finances is hard and takes time to adjust. Intenionally sticking to a budget helped my husband and me get out of debt, but, there were times we had to move money around just as you have. Things come up and it's easy to let it snowball. Hang in there!
I would agree with others person training is killing the budget. Spending that much on groceries and eating out while also saving for a wedding is not working .
I hope you're matching your transactions to the card with the best cash back rate for the category. You guys collectively spend enough to make that a nice little bonus to cash out once a quarter (or at whatever interval). Or miles, whatever. Hopefully you have another great black Friday sale. Your consistency with RUclips will pay off again soon. There's lots of positives! I watch the unstuffings with it all together at once for pulling from envelopes. I like both ways.
We all know you don't want the advice but you know we are going to give it anyways. So here are my suggestions (1) you and Colin sit down and talk about your electronics envelope other than his apple watch which your hoping to buy with black friday could you take the $400 out and reallocate that to your negative amounts. (2) i think you and Colin need to sit down with the trackers and really look through your spending since combining incomes (3) i am not at the level you are in the budgeting during but while I am in debt what we are focusing on is pulling cash that we don't touch into envelopes for our spending my goal is to get our spending cash to at least $500. If you can get to this then you could combine drinks and eatting out to just a you and colin envelope when you are together and then things like work lunchs or grabbing starbucks would come out of each of your spendings if that makes sense. Your fall savings challenge and your $1.00 challenge at the end of the year could help you start this for next year. (4) you may have to start weekly cash unstuffings to help keep you guys on track.
Do you think it because you have money in your account and use your card Willy Nilly? You knew you were over and continued to keep spending. No hate, just saying
No hate here but have noticed a bit of a struggle finding your rhythm since combining finances and a theme of having to repay / being in the negative due to spending when the money was not saved which seems counter intuitive to the whole cash stuffing / sinking fund principles. Also genuine question how did you feel emptying your walk away fund to bring your partners credit cards to zero.. seems that was a lot of money gone in a snap
I think it’s smart to not be starting their marriage off in debt. I sold a used car I was driving to pay off my new husbands vet bill for his beloved dogs cancer treatment;( he only lived two more years,( the dog) and we later divorced) but I would do it again in a minute! It’s called “ partner” for a reason.
Girl we all get in a hole at some point. I do wonder why you dont pull from efund to catch yourself up though? You know what youre doing so no shame! Just curious ❤️
Man! You guys spend a TON weekly on groceries, especially considering how much you spend/budget on "out" food, coffee/drinks, Costco and restaurants every month. We eat a high protein, healthy carb diet and we dont even spend your restaurant food budget per week on groceries, let alone your $200 - $300 a week budget for groceries plus the other 3. LOL Ive always thought that, not just this month when you had unexpected things pop up, but you are a pretty high wage earner so I didnt think much about it. But for the last several months Ive felt like you have been playing catch up and rob Peter to pay Paul. Its a slippery slope for most. You will be fine, though, as soon as your done paying for your personal trainer and your wedding. What will you pay for your vacation with for next weekend?
Just give yourself larger budgets for eating out and groceries, it's obvious you need to. Why stress yourself out each month. It's not a crime to keep going over, but be realistic about what you need. Also, if you're paying a ton of money to a PT to help you exercise, and eat right, but you're eating out all the time ?.. get it together Girlfriend nice video though
Don’t apologize for making your unstuffings unique and original 😌 if you not on camera i understand those people but you want to give use a longer video so more entertainment why will someone be not happy for longer entertainment 😱🤣 if it was not clear already i love it the way you do it!! 🥰🩷💙
Just a disclaimer: in the video I said “send help”. It’s just a saying!!! I am NOT seeking advice!
😂
Maybe set up a strict budget for groceries and eating out/drinks for the next couple months and only use cash. When the cash is gone that’s it. It’s so easy to overspend using credit cards. I learned my lesson on that. Love your videos!
@@rachelstedman6699 totally agree
I appreciate how you hold yourself accountable with your spending . I’ve been struggling with keeping mine under control as well. I at least now feel better knowing that it does happen and we all aren’t perfect. Thank you for your videos 😊
@@elizabethrubio6277 yes perfection is a lie!!! We all have ups and downs!
I mean this with all the love in the world because of all of the “send helps” that came out in your video. When my husband and I were saving for our wedding our “fun” and “going out” was spent very wisely due to planning the biggest fun event which is the wedding. If you’re committing to a personal trainer for the wedding, great! But that comes with sacrifices elsewhere. Eating Out and Groceries have been wildly overspent within the last 3-4 months and that’s quickly becoming a habit. Plan your grocery runs before you leave. Make sure everything you need is on a list for the week, and stop making so many trips throughout the two weeks. That’s a major reason to overspend when you have to keep coming back for “one more thing.”
This is ALL to say, you’ve gotten out of debt before and spent Intentionally to get there. I think it’s time to bring the intention back. ❤ You’ve got this girl!
@@ancarter17 the intention hasn’t left (let’s be VERY clear). Most of this is managing having Colin involved in the picture and I don’t control him. I definitely see your advice tho and I hear you. Y’all just only see 1/2 the picture and no one knows the convos we have & his spending/things he’s working through because he’s never budgeted before
Oh please, “send help” was just an expression for maybe feeling a bit frustrated; she has never asked anyone to literally,” send help” solicit advice. Kristen is one of the smartest, disciplined budgeters I know, cut her some slack!
Your unstuffing videos are so enjoyable to watch…I know you don’t like overspending, but it is so amazing watching you make up for the overspending by deciding/transferring funds from other envelopes. Glad to know you’re actually human sometimes when it comes to your budget and just living/enjoying life along the way…great video!
I love the way you do your unstuffings! I mean, the titling of your channel says it all…your approach is intentional. 🤷🏽♀️ Thank you for being vulnerable and showing your over budget real life situation. ❤
I love love love your unstuffing videos just the way you do them. I just want to make it known. I find them very enjoyable and relaxing. Let's drown out the negative comments ❤
What I love about your videos is that you are honest about slip ups but you don't complain, blame or pity-party. You face it and work on creating solutions. I have no doubt You will resolve it in the next few weeks, you can see the challenge areas and that is the biggest step. Hope you had a good time in Johnson City (my son went to college there, nice city).
I love you unstuffings and wish more people did it your way because it’s way more fun. It’s way easier to overspend when using a credit card. But you are still waaayyy ahead of the game because you have envelopes and a lot of savings.
Kristin you’re extremely smart and resourceful you’ll figure this out. I really appreciate your transparency💯💯💯 Have a great weekend 😊
Your unstuffing vids are my fave! I miss the ipad 😂😂😂😂😂
Ig I must be chaotic for loving the flipping of pages all around, lol. However, I don't wish debt on anyone, especially you and Collin trying to start off your marriage on the "debt- free" foot! Lol, I do enjoy how you balance it all out, and get caught up on most of it. I'm praying we all get a tight grip on our spending (myself included) Great video, and as always Thank You for sharing your journey🩵
I appreciate this method of unstuffing because it shows how quickly your saved funds can diminish when there is no budget. 👍🏼👍🏼
girl i need you to do a grocery haul sometime! you must be buying so much fresh produce
@@JaymeBudgets I am lol so much
Send help!😂😂
You got this girl!
I love the way you are transparent about your spending, thanks so much for sharing🧡
This method is smart because you really feel your overspending and can address it more head on and move forward! Keep it up
I love how you do your unstuffings. I like how you find the money in other categories - having only cash stuffed for a year, seeing you unstuff and take from other categories makes me feel better if/when I have to dip in to my categories to balance myself out at the end of the month.
Looking forward to the wedding videos and hopefully vacation videos in the future (the last vacation unstuffing really helped me think about spending and planning my trips this year)!
I would suggest giving your spending envelopes a bit more and x the combined eating out and drinks envelopes, each of you get for example $200 for the week and you each manage that. It might be helpful to curb the overspending.
Some helpful suggestions to your send helps lol. So I noticed you guys are eating out and grocery shopping on the same days or within the same couple of days. That contributes to a lot of the overspending. What I do is I think of meals I wants to cook over the next 1-2 weeks and I grocery shop based on that. factor in breakfast, lunch and dinner meals. If you eat leftovers, that’s perfect for lunch meals for the next day. We use to eat out multiple times a day (family of 4) and you spend about the same I use to spend daily. It’s easy to get something fast but then you’re double spending by going to the grocery store.
Another suggestion, I’m sure you got the personal trainer to help with your wedding coming up, but I watched your 75 hard and felt you did so good on your own. It’s such a big expense when your saving for your wedding already and overspending on other categories.
Last one I promise lol, I’m also a credit card spending and have found I spend wayyyy more because im about to swipe and worry about it later. Maybe try it out for one month, only spending cash and when the money is gone thats it. I need to follow my own advice on that cause I spent sooo much last month it’s a shame. Hopefully this helps out with your budget, you still have a great amount saved in most of your categories, I’d just readjust some things
I love your videos!!! I appreciate the fact you adjust when you over spend. It happens to the best of us!!!! I respect your vulnerability with showing us how you overspend and the journey to get back on track!
I have come to appreciate the way you do your unstuffings. I’m not gonna lie, I do think that one reason your finances are feeling so tight these days is that you’ve spent a lot of money on personal training this year that was spent/committed before you had the funds. Catching up on those significant costs meant you couldn’t stuff savings categories and it’s a cascade effect. Once you’ve saved for the large November training payment, you’ll need to save $100 or so per week rather than the $400 per week you’re allocating to training now.
@@mrachel3 that’s definitely it!
I think if there is over spending then the $1 challenge does not exist - they go to help with the negative amounts. And I am sure you have enough $1 in the big bag that you can “find” to help with the negative amounts so you can start building back up your envelopes.
My other advice is you don’t need new outfits for everything with your wedding. Yes it’s fun and cute but a new outfit for wedding shower and new outfit for rehearsal dinner is a bit much. A bride shirt and groom shirt can be found on a good budget and should be fine.
@@sarahkretsinger5298 that’s fine advice, that’s just not what I want so I’m going to just do what I want!
She has been saving for over a year or more for her wedding,( plus she has a regular savings and emergency fund), it’s her one big day, let her enjoy it!
Thanx for being so real with us. I am on an extremely low fixed income. My plan was to get caught up this past/t check but it was lower than expected and my groceries were higher than budgeted for,( math didn’t work out, 😂), however after watching your video; I’m realizing we all get off track at times. I’m glad you had fun at the concert even though it kind of bit you in the rear end! 😬 Way to keep yourself accountable!
@@budgetwithrenay2419 it did bite me in the rear end lol but stuff happens so we just get back on track!
I like your attitude. Life happens and you adjust and move forward. Love your videos!!😊
Don’t be too hard on yourselves you and Colin deserve to have fun and you’ll make up for it 😊 life is for experiences & you also did it with the man you love ❤️ that’s so cute & special & your so lucky 😊🥰 hello to Rosie too 🐶 xx🍂🧡🦊🍄
Perhaps increase your buffer budget and let it continue to build month over month?
Do whatever works for you. You got this K!
You're living life. It's short. Go and do. You always work it out eventually. I've been here since you were paying off debt. Do your thing. It's your life.
Feels like I'm not alone, thank you for sharing!!!
I am always surprised by the extreme amount of money spent on groceries. With the eating out and drinks seems like you two are spending half your income on food and drink. Just seems like you are negative a lot which means you either have to allocate more or spend less. Have you thought about adjusting the food and drink budget?
I probably would have pulled from one of the savings categories, but I’m sure you have your reasons. It may be worthwhile to adjust the budget to what your spending trends are since you’re continuing to go over budget win your food categories.
I'm not gonna lie, I was always initimdated by your iron financial discipline, so it's good to know that you also overspend sometimes! 😂😂
Omggggg why was this so fun to watch😂😂.. nice turn around though! Thanks for sharing!
can you pull from your dollar challenge pouch? technically that money IS part of your stuffing.....vs pulling from other categories for this unstuffing. not all challenges need to be 'successful' :)
Great video love your honesty. Your unstuffing videos are my favorite.
Johnson City is in my neck of the woods. I hope you had a great time! Combining finances is hard and takes time to adjust. Intenionally sticking to a budget helped my husband and me get out of debt, but, there were times we had to move money around just as you have. Things come up and it's easy to let it snowball. Hang in there!
Excellent comment!❤❤
I would agree with others person training is killing the budget. Spending that much on groceries and eating out while also saving for a wedding is not working .
Send help!! I feel it too.. like others have said you’ve got out of it before by being intentional you/we can do it again. Rock on friend!!
I hope you're matching your transactions to the card with the best cash back rate for the category. You guys collectively spend enough to make that a nice little bonus to cash out once a quarter (or at whatever interval). Or miles, whatever.
Hopefully you have another great black Friday sale. Your consistency with RUclips will pay off again soon. There's lots of positives!
I watch the unstuffings with it all together at once for pulling from envelopes. I like both ways.
I love your unstuffings they are fun this way ❤❤
Wow. I thought I was bad. I live just north of Johnson city. I enjoyed your unstuffing!
Feeling pretty relatable to me! You’ll catch up. Lot going on in this chapter, and life ebbs and flows.
I’m loling that the ad on this video for me was for monopoly go 😂😂😂😂
We all know you don't want the advice but you know we are going to give it anyways. So here are my suggestions (1) you and Colin sit down and talk about your electronics envelope other than his apple watch which your hoping to buy with black friday could you take the $400 out and reallocate that to your negative amounts.
(2) i think you and Colin need to sit down with the trackers and really look through your spending since combining incomes (3) i am not at the level you are in the budgeting during but while I am in debt what we are focusing on is pulling cash that we don't touch into envelopes for our spending my goal is to get our spending cash to at least $500. If you can get to this then you could combine drinks and eatting out to just a you and colin envelope when you are together and then things like work lunchs or grabbing starbucks would come out of each of your spendings if that makes sense. Your fall savings challenge and your $1.00 challenge at the end of the year could help you start this for next year. (4) you may have to start weekly cash unstuffings to help keep you guys on track.
Do you think it because you have money in your account and use your card Willy Nilly? You knew you were over and continued to keep spending. No hate, just saying
@@tonicollett8009 that’s definitely part of it!
I love these videos! Thank you for sharing!
No hate here but have noticed a bit of a struggle finding your rhythm since combining finances and a theme of having to repay / being in the negative due to spending when the money was not saved which seems counter intuitive to the whole cash stuffing / sinking fund principles. Also genuine question how did you feel emptying your walk away fund to bring your partners credit cards to zero.. seems that was a lot of money gone in a snap
I think it’s smart to not be starting their marriage off in debt. I sold a used car I was driving to pay off my new husbands vet bill for his beloved dogs cancer treatment;( he only lived two more years,( the dog) and we later divorced) but I would do it again in a minute! It’s called “ partner” for a reason.
You do you however you want! ❤
I know what you mean robbing Peter to pay Paul as we say in England.😊
U got this
Hey friend really enjoyed
Great video!! 🌸 💚💚
Hello like yours saving and budget it so nice.take care all.❤😊🙏🙏❤
I don’t understand how two people can spend that much on food. I know food is expensive nowadays but that seems excessive.
Girl we all get in a hole at some point. I do wonder why you dont pull from efund to catch yourself up though? You know what youre doing so no shame! Just curious ❤️
Man! You guys spend a TON weekly on groceries, especially considering how much you spend/budget on "out" food, coffee/drinks, Costco and restaurants every month. We eat a high protein, healthy carb diet and we dont even spend your restaurant food budget per week on groceries, let alone your $200 - $300 a week budget for groceries plus the other 3. LOL Ive always thought that, not just this month when you had unexpected things pop up, but you are a pretty high wage earner so I didnt think much about it. But for the last several months Ive felt like you have been playing catch up and rob Peter to pay Paul. Its a slippery slope for most. You will be fine, though, as soon as your done paying for your personal trainer and your wedding. What will you pay for your vacation with for next weekend?
I love your videos❤️, would you kindly zoom out a bit? I mean let’s see a bit more
So honest question… why didn’t you pull the money from electronics or your emergency fund to be even?
@@LifeKindnessBudgets because I don’t want to touch those. I’d rather make up for it this week
@@IntentionalLivingYT thank you for explaining! I always hate making decisions like that!
Are people new here? That is the way you’ve always done it, even when it was on your iPad. Did you guys at least have fun?
Sometimes you have to have a blow out ❤
❤❤❤
Shouldn't curtain rods come out of home decor?
@@piapedersen you know…it definitely should have
Its real life!
💛💛💛
Just give yourself larger budgets for eating out and groceries, it's obvious you need to. Why stress yourself out each month. It's not a crime to keep going over, but be realistic about what you need. Also, if you're paying a ton of money to a PT to help you exercise, and eat right, but you're eating out all the time ?.. get it together Girlfriend nice video though
@@falusitablet8747 90% of our eating out money is spent by Colin. Would appreciate less judgement
Don’t apologize for making your unstuffings unique and original 😌 if you not on camera i understand those people but you want to give use a longer video so more entertainment why will someone be not happy for longer entertainment 😱🤣 if it was not clear already i love it the way you do it!! 🥰🩷💙
🩵🩵
❤❤❤