Hi Natalie. To the point you made about not focussing on debt just now… totally agree. Those who commented on that decision have their hearts in the right place, but even the ‘guru’ Dave Ramsey advises people in the position you’re in to pause debt payments and stockpile cash. Then, once baby is born and the dust has settled (so after you’ve used what you need to get through the initial upheaval) you can either continue to spend it as needed, or, if not needed, dump everything but the £1000 starter emergency fund on to the debt at that point. Either way, you either end up putting it on the debt anyway (just later on) or you at least don’t increase the debt because you had those savings. You’re doing the right thing.
I never mind your long videos at all. Your planner is beautiful and I’m looking forward to seeing you achieving all the goals you have set up. Working a day or two on maternity sounds great but don’t run yourself ragged either. You know yourself how time flys by with kids. I will be here cheering you on and holding you accountable too. I did the penny savings challenge and started with the highest amounts too. Just do what you did before mark them off every week instead of every day. Have a great week. Mary, Joes wife 🙇♀️👏💪👍🙏💐🌈💷
Hi! Wanted to pick up on the point you made around not focusing on debt right now. I understand the people who have brought that up but, to my view, you and the family are in financial survival mode right now - you’re completely right to focus on just trying to avoid actively going into further debt by building up some cash to hand, rather than trying to substantially improve the situation right now. With everything going on, course correcting is just perhaps going to be slower than one would hope! I have such genuine sympathy - I despair at the state of maternity pay in this country, it infuriates me no end.
Just a suggestion, you could keep your Etsy shop open, but just sell digital products. You don't have to ship anything but could still earn some extra money!
Natalie, there was another budget or I was watching that was having some financial issues and we all played her playlist even if we were sleeping at night to help her increase her revenue. Can you put everything you have into our playlist and all of us can start watching your playlist so that it will boost your ad revenue increase! The other budget was getting I think between her videos that people were watching and playing her playlist I think she was averaging around 800 American dollars a month doing this please put your older videos into a huge playlist along with these videos and let us help you by watching your older videos so you can have the monetization at revenue from those videos just make sure they’re all monetized! 9:06
Keep an additional highlighter color so you can do your side hustles in that color so anytime you get paid from either Etsy, RUclips or any other side hustle or extra shifts at work go ahead and add that into another color so you can represent that when you get paid on that particular time
Dave Ramsay's baby step number1 is to save a$1000 emergency fund. Can you work one weekend day a week and your husband stay with the kids? If not he needs to pick up weekend work. Watch the grocery budget.. Snack foods really kill a budget. The kids will live without snacks. If your not a good cook work on scratch cooking, better for everyone's health. As for big pickle do you have a horse riding program for special needs kids? Here in the USA we have then and they are free or on a sliding fee scale, as they fund raise. I have volunteered at a local center to me for years and the horse therphy really helps children with many different disabilities. Are their companies you could work from home for every week like Amazon or maybe a airline. Look into some of those.
I want a planner when available hopefully you can make one undated due to the addition to your family and everything else.. there is no time I need it.. please contact the doctor bring you are pregnant, you are really struggling …. I do live in the states and I don’t know if you can ship
Can you pick up shifts in the evenings and weekends when hubby is home so he can look after the children or can he pick up extra jobs or do food delivery or Uber in the evenings and weekends?
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Hi Natalie. To the point you made about not focussing on debt just now… totally agree. Those who commented on that decision have their hearts in the right place, but even the ‘guru’ Dave Ramsey advises people in the position you’re in to pause debt payments and stockpile cash.
Then, once baby is born and the dust has settled (so after you’ve used what you need to get through the initial upheaval) you can either continue to spend it as needed, or, if not needed, dump everything but the £1000 starter emergency fund on to the debt at that point. Either way, you either end up putting it on the debt anyway (just later on) or you at least don’t increase the debt because you had those savings. You’re doing the right thing.
I never mind your long videos at all. Your planner is beautiful and I’m looking forward to seeing you achieving all the goals you have set up. Working a day or two on maternity sounds great but don’t run yourself ragged either. You know yourself how time flys by with kids. I will be here cheering you on and holding you accountable too. I did the penny savings challenge and started with the highest amounts too. Just do what you did before mark them off every week instead of every day. Have a great week. Mary, Joes wife 🙇♀️👏💪👍🙏💐🌈💷
Hi! Wanted to pick up on the point you made around not focusing on debt right now. I understand the people who have brought that up but, to my view, you and the family are in financial survival mode right now - you’re completely right to focus on just trying to avoid actively going into further debt by building up some cash to hand, rather than trying to substantially improve the situation right now.
With everything going on, course correcting is just perhaps going to be slower than one would hope!
I have such genuine sympathy - I despair at the state of maternity pay in this country, it infuriates me no end.
I agree. How are companies allowed to only provide statutory maternity? Insane 😔
Just a suggestion, you could keep your Etsy shop open, but just sell digital products. You don't have to ship anything but could still earn some extra money!
That’s a fab idea!!
Goal number one makes total sense to me. Planning ahead is smart ❤❤❤
It's looking really nice. I can't wait for the next part.
Congratulations on your up coming birth! Glad to see you up and running again, I've missed you!!!
Natalie, there was another budget or I was watching that was having some financial issues and we all played her playlist even if we were sleeping at night to help her increase her revenue. Can you put everything you have into our playlist and all of us can start watching your playlist so that it will boost your ad revenue increase! The other budget was getting I think between her videos that people were watching and playing her playlist I think she was averaging around 800 American dollars a month doing this please put your older videos into a huge playlist along with these videos and let us help you by watching your older videos so you can have the monetization at revenue from those videos just make sure they’re all monetized! 9:06
Sorry, had a missed typo in there on your playlist! That way we can all help you as much as humanly possible
Keep an additional highlighter color so you can do your side hustles in that color so anytime you get paid from either Etsy, RUclips or any other side hustle or extra shifts at work go ahead and add that into another color so you can represent that when you get paid on that particular time
Dave Ramsay's baby step number1 is to save a$1000 emergency fund. Can you work one weekend day a week and your husband stay with the kids? If not he needs to pick up weekend work. Watch the grocery budget.. Snack foods really kill a budget. The kids will live without snacks. If your not a good cook work on scratch cooking, better for everyone's health.
As for big pickle do you have a horse riding program for special needs kids? Here in the USA we have then and they are free or on a sliding fee scale, as they fund raise. I have volunteered at a local center to me for years and the horse therphy really helps children with many different disabilities.
Are their companies you could work from home for every week like Amazon or maybe a airline. Look into some of those.
We pay £5 for our Netflix you do get a few ads but there not many and not that long.😊
Easter Sunday is April 20, 2025. Hope that helps.
I also would like a planner when they on sale.
Would you be willing to put your side hustle sheet on your Etsy and install it as a digital print on demand?
20th april for easter
I want a planner when available hopefully you can make one undated due to the addition to your family and everything else.. there is no time I need it.. please contact the doctor bring you are pregnant, you are really struggling …. I do live in the states and I don’t know if you can ship
Can you pick up shifts in the evenings and weekends when hubby is home so he can look after the children or can he pick up extra jobs or do food delivery or Uber in the evenings and weekends?
With a newborn?
@@littlehouseontherockYes, with a newborn. Needs must.