52 secs into the video and I'm tearing up. You guys are literally an answered prayer. It has been on my heart for so long to become more financially literate and develop better spending (and saving) habits. And here you guys are!!--A CHRISTIAN married couple who are sharing how to be good stewards of the money that God has blessed us with. Thanks for being open and willing to share your decision making processes. May God bless you and your family.
ICANDOBETTER I just came across your comment 2 years later. I hope your finances are where you want them right now. I know the feeling of wanting to be a good steward over your money and be debt free.
Great advice. Truth though is, if you're married, you have to have a willing spouse. All the tips in the world won't change your finances until that spouse changes their attitude & gets involved. Won't work if 1 of you is budgeting, cutting back & being careful while the other feels they work & therefore they deserve to buy as they please.
Nazneen so true. I keep telling my husband that we need to be mindful and start putting money to the side but he wants no part in it and we end up in the 100 or less each paycheck. every time it's brought up he always says well if we need money he knows how to get it. I don't understand why he wants to rely on other people in case of an emergency and this habit is not good especially since we have 2 kids is so stressful especially being a 1 income house hold
You can get yourself out of debt if you don't share your finances. I think most people in my country have seperate economies, at least to a some degree.
Hi Tai, I get so excited when you post a video. I pop in my earphones and hit play. You two are so transparent and the information is so valuable and healing for both the married and singles. You have to be honest about where you are so you can grow. Thank your for being such an amazing couple. Looking forward to your next video. Love and Hugs!
Hi. I am a new subscriber. I have been one to start a budget and not be consistent with it. One thing I've learned from this experience of losing my job is to be more intentional with my income. Thanks for the video.
This is such a great video. I've been feeling the same way about being the wife that taking all the responsibility of the budget and I feel the pressure or the bad guy. But yesterday I told my husband I want to start Dave Ramsey's program. And I was happy that he is open to working together. And I do feel talking and working together on budgeting will resolve some tension that comes up whenever discussing money.
Natalie McArthur We are so happy to hear that you both are going to work together! Things really turned around for us financially and relationship wise... once we started to do everything together. We believe in you guys! Thanks for sharing and watching.
I made pretty much all the same mistakes. I can't deal with too many bank accounts (we have 6) but I definitely want to start incorporating the money envelopes!!! Those misc items like oil change, car reg, car inspection kept throwing me off !!!! I have been trying to get in my budget groove for the last 4 months and boy oh boy is it a tough road!! Loved this video and can't wait to get to where you two are!!!
Great video! I've been using dave's "every dollar" app and it has made my life so much easier! I now look forward to making the budget every month! Looking forward to more videos on budgeting and saving!
Great video, I just found you guys and I am loving your channel. My husband and I started getting serious about digging ourselves out of student loan debt in Jan 2014 and we are really enjoying the journey.
Very helpful, no rolling over left over funds is what we are working on. This is our 2nd month budgeting and I will say it was much easier than the 1st month. I am looking forward to our budget meeting for next month so I am sure to begin applying the new tips you shared. Thank you so much
Loving your videos and the wealth of great information provided. Just discovered your site this week when infusing new fire into my financial goals. Budgeting is something I take seriously and have created an annual budget consistently for many years before the current year ends. Update and analyze it daily/weekly to always be aware of my financial position. Even with that, this video gave me some great takeaways to apply. Always refining my process so THANK YOU for breathing fresh perspective and insight.
Thank you guys so much for sharing your knowledge and words of wisdom, this will keep me and my husband to stay in the course and focused on our financial goal as we prepared to enter 2020 debt free except for our house, currently on baby step 3 but with all these advice this will definitely keep us on the right track, thank you and God's blessings be upon you and your family always 💝💝🙏🙏
This is sooooo informative! I love how you guys work together. I am the one who normally handles everything when it comes to both of our businesses, but this is going to change starting today. God bless you guys and thanks for sharing!
Just found your channel! So excited! My husband and I are on our debt free journey. This is our 5th month doing a budget. I am just getting into couponing and it has cut our food budget from $600 to $400. I am having a hard time with stock up purchases from places like Sams Club and Costco or if I have lots of coupons for something we eat all of the time. It throws my grocery budget off. Any Suggestions??
Deedra Boodram Thanks for joining us! You are doing great!!! A $200 savings is awesome. Believe it or not, we are not big fans of warehouse stores. The prices are just not that great. It appears to be great because you are buying in bulk. I personally love Aldi, Target and Walmart. I have lots of tips and tricks over on my other RUclips channel Double Saving Divas . Check it out when you get time. We may do a video on your quetion as well. Thanks for watching. -Tai
Hi y'all! I just came across your channel & I am loving everything about it! Thank you for motivating me to stay on task with my budget as well as other things. :)
Great information as usual. I have a good running account of my monthly bills but I fall short in managing the money that I have left. The envelope system sounds like a good way to put funds aside for the next week's gas and grocery allowance. I do swipe that debt card way too much.
Lisa Greene If you have any debt, any extra money left after you pay your bills should go to all debt. If not, you should sit down with a professional and discussing saving/investment options. The envelope system is a great way to reduce unnecessary spending. Thanks for watching.
I can't wait until my last semester of college. My husband still has 3 years of college on his grants, but I have been budgeting and I am ready to pay off some of this debt prior to marriage.. :)
Great tips as usual.! I do need extra help. I would love a video and/or blog post on baby budgeting. We're expecting early summer but we need to get on it now.!!! Lol. My sister just came up with a weekly money challenge that I'll run by Hubz tonight (week 1 = $5 deposit, week 52 = $260 deposit, giving a total of $6,890 or even the $2 challenge yielding $2,756). However, that's only for savings so the budget is still missing. This is our 1st child so we're trying to get it right before we become official parents. I know it's difficult because babies usually have unexpected expenses, but it would be nice to have youz input. Thanks.!!
Thanks so much for your video guys, they have helped me immensely. I have a quick question....as far as cash goes, when you say you come together at the end of the day and bring receipts and log transactions, does this include cash ones? Or it is kind of when its spent, its spent and if its not enough then you track it individually to see what the problem is?
+datgurldesi We don't track all of our cash items like our personal allowance. However, if we decide one month to pay for our groceries in cash, we do like to log it just so we can compare from month to month. We definitely log all debit/credit card transactions. Thanks so much for watching!
When we are building our emergency fund and we have to pay off debt, should we put away money even though we could of used that money we put away towards our emergency to put towards the debt?
+Melohhdee We recommend having a starter emergency fund while paying off debt. Dave Ramsey recommends at least $1,000. We don't have a problem with that amount. However, some people feel comfortable with a little more.Having $1500- $2000 set aside is ok to. Hope this helps!
Hey guys...My husband and I just got married 2 years ago...2nd marriage and we are older we been single for 10 years plus so we have our own bank accounts. We did open a joint house account...we added up all the bills. he put in half and so do I...we don't used that account for nothing but Mortgage... light gas... water cable cell phone ..food..we don't even carry the card with us unless we are doing the monthly shopping..so why do we have to go over the budget more then once a month? I love you guys just signed up for mystery shopper so I can knock out my mortgage.. btw...no car note will need a car in couple of years but will pay cash even if it means the car is a few years old
Thanks for making our weekly 'Family Night' fun last night .... we watched a few of your videos! Entertainment and Learning at the same time. Who needs Cable TV when we have His And Her Money on RUclips, along with free Redbox thanks to Five4FiveMeals #WooHoo Landra from TeamRasheed
52 secs into the video and I'm tearing up. You guys are literally an answered prayer. It has been on my heart for so long to become more financially literate and develop better spending (and saving) habits. And here you guys are!!--A CHRISTIAN married couple who are sharing how to be good stewards of the money that God has blessed us with. Thanks for being open and willing to share your decision making processes. May God bless you and your family.
+ICANDOBETTER We love that our video has touched you! You can do this!!! God wants us to steward HIS money wisely. Praying for you.
ICANDOBETTER I just came across your comment 2 years later. I hope your finances are where you want them right now. I know the feeling of wanting to be a good steward over your money and be debt free.
Great advice. Truth though is, if you're married, you have to have a willing spouse. All the tips in the world won't change your finances until that spouse changes their attitude & gets involved. Won't work if 1 of you is budgeting, cutting back & being careful while the other feels they work & therefore they deserve to buy as they please.
Nazneen so true. I keep telling my husband that we need to be mindful and start putting money to the side but he wants no part in it and we end up in the 100 or less each paycheck. every time it's brought up he always says well if we need money he knows how to get it. I don't understand why he wants to rely on other people in case of an emergency and this habit is not good especially since we have 2 kids is so stressful especially being a 1 income house hold
You can get yourself out of debt if you don't share your finances. I think most people in my country have seperate economies, at least to a some degree.
Naz, very true. Even if the spouse is sorta involved it doesn’t work - the momentum is not there.
If the spouse is overspending, open up their eyes, it's for their benefit too
Hi Tai,
I get so excited when you post a video. I pop in my earphones and hit play. You two are so transparent and the information is so valuable and healing for both the married and singles. You have to be honest about where you are so you can grow. Thank your for being such an amazing couple. Looking forward to your next video. Love and Hugs!
AMATEUR DECORATING LIKE A PRO Thank you so much! Comments like yours...keeps us moving full force ahead. xoxo Tai
I loved this! I am sharing this on the Five4Five Facebook page tomorrow. Also, Tai- your lipstick looks great. Great color.
Five4FiveMeals Thanks so much for sharing! Thanks for the compliment too! -Tai
I'm so happy I stumbled upon this channel! You two are amazing!
Sheila Bonus Thank you!
Hi. I am a new subscriber. I have been one to start a budget and not be consistent with it. One thing I've learned from this experience of losing my job is to be more intentional with my income. Thanks for the video.
This is such a great video. I've been feeling the same way about being the wife that taking all the responsibility of the budget and I feel the pressure or the bad guy. But yesterday I told my husband I want to start Dave Ramsey's program. And I was happy that he is open to working together. And I do feel talking and working together on budgeting will resolve some tension that comes up whenever discussing money.
Natalie McArthur We are so happy to hear that you both are going to work together! Things really turned around for us financially and relationship wise... once we started to do everything together. We believe in you guys! Thanks for sharing and watching.
I made pretty much all the same mistakes. I can't deal with too many bank accounts (we have 6) but I definitely want to start incorporating the money envelopes!!! Those misc items like oil change, car reg, car inspection kept throwing me off !!!! I have been trying to get in my budget groove for the last 4 months and boy oh boy is it a tough road!! Loved this video and can't wait to get to where you two are!!!
Great video! I've been using dave's "every dollar" app and it has made my life so much easier! I now look forward to making the budget every month! Looking forward to more videos on budgeting and saving!
+Jenn Salbosa Awesome! Keep up the great work.
You guys make a great team. Excellent tips. I'm responsible for the financial planning but I definitely have to get hubby more involved. God bless.
Great video, I just found you guys and I am loving your channel. My husband and I started getting serious about digging ourselves out of student loan debt in Jan 2014 and we are really enjoying the journey.
YellowFrontDoor Thanks so much for joining us! You guys can do it!!!
Very helpful, no rolling over left over funds is what we are working on. This is our 2nd month budgeting and I will say it was much easier than the 1st month. I am looking forward to our budget meeting for next month so I am sure to begin applying the new tips you shared. Thank you so much
ladyinmauve Great question! Will do...stay tuned.
Loving your videos and the wealth of great information provided. Just discovered your site this week when infusing new fire into my financial goals. Budgeting is something I take seriously and have created an annual budget consistently for many years before the current year ends. Update and analyze it daily/weekly to always be aware of my financial position. Even with that, this video gave me some great takeaways to apply. Always refining my process so THANK YOU for breathing fresh perspective and insight.
Thank you guys so much for sharing your knowledge and words of wisdom, this will keep me and my husband to stay in the course and focused on our financial goal as we prepared to enter 2020 debt free except for our house, currently on baby step 3 but with all these advice this will definitely keep us on the right track, thank you and God's blessings be upon you and your family always 💝💝🙏🙏
I so want to be consistent with budgeting and saving my money....but I'm so inconsistent! Will give it another try.
This is sooooo informative! I love how you guys work together. I am the one who normally handles everything when it comes to both of our businesses, but this is going to change starting today. God bless you guys and thanks for sharing!
***** Awesome! I use to do it all, but now I love having my husband involved. Thanks for sharing. -Tai
Just found your channel! So excited! My husband and I are on our debt free journey. This is our 5th month doing a budget. I am just getting into couponing and it has cut our food budget from $600 to $400. I am having a hard time with stock up purchases from places like Sams Club and Costco or if I have lots of coupons for something we eat all of the time. It throws my grocery budget off. Any Suggestions??
Deedra Boodram Thanks for joining us! You are doing great!!! A $200 savings is awesome. Believe it or not, we are not big fans of warehouse stores. The prices are just not that great. It appears to be great because you are buying in bulk. I personally love Aldi, Target and Walmart. I have lots of tips and tricks over on my other RUclips channel Double Saving Divas . Check it out when you get time. We may do a video on your quetion as well. Thanks for watching. -Tai
His And Her Money Thank you! I will go check it out!!
I need to have a notebook handy when I'm watching your videos! Awesome info! thanks so much!
I love this video!! I agree it's so important to have a budget and that both people know what the numbers are and have input in it.
Our Family of Four Yes it is very important! Thanks so much for sharing.
Thanks for the video. Mike and I need to work on the budget meetings and YES cash makes it way easier!
So many awesome tips! Thank you!!
Thanks for your videos.
This is great. I can see discipline will be very important.
100%, it's an absolute must. thanks for watching!
This is such a great Helpful video. Thank you.
Hi y'all! I just came across your channel & I am loving everything about it! Thank you for motivating me to stay on task with my budget as well as other things. :)
Angela Obrien Awesome! Thanks so much for joining us.
Enjoyed this video, helpful tips! Tfs!
MY LIFE FULL OF HOPE Thanks so much!
The biggest problems me and my husband are having is creating a budget and being consistent please help!
Great information as usual. I have a good running account of my monthly bills but I fall short in managing the money that I have left. The envelope system sounds like a good way to put funds aside for the next week's gas and grocery allowance. I do swipe that debt card way too much.
Lisa Greene If you have any debt, any extra money left after you pay your bills should go to all debt. If not, you should sit down with a professional and discussing saving/investment options. The envelope system is a great way to reduce unnecessary spending. Thanks for watching.
I can't wait until my last semester of college. My husband still has 3 years of college on his grants, but I have been budgeting and I am ready to pay off some of this debt prior to marriage.. :)
Thank you so much
Great tips as usual.! I do need extra help. I would love a video and/or blog post on baby budgeting. We're expecting early summer but we need to get on it now.!!! Lol. My sister just came up with a weekly money challenge that I'll run by Hubz tonight (week 1 = $5 deposit, week 52 = $260 deposit, giving a total of $6,890 or even the $2 challenge yielding $2,756). However, that's only for savings so the budget is still missing. This is our 1st child so we're trying to get it right before we become official parents. I know it's difficult because babies usually have unexpected expenses, but it would be nice to have youz input. Thanks.!!
Thanks so much for your video guys, they have helped me immensely. I have a quick question....as far as cash goes, when you say you come together at the end of the day and bring receipts and log transactions, does this include cash ones? Or it is kind of when its spent, its spent and if its not enough then you track it individually to see what the problem is?
+datgurldesi We don't track all of our cash items like our personal allowance. However, if we decide one month to pay for our groceries in cash, we do like to log it just so we can compare from month to month. We definitely log all debit/credit card transactions. Thanks so much for watching!
+His And Her Money ok thanks so much for replying!
Great video and thanks for the link..
Kee Kee Thanks for watching.
what is the best budget software or website you recommend?
Great video!
+juanetta jackson Thanks!
Wonderful points! I just discovered you guys, today :-)
+enshane nomoto Thanks for watching!
When we are building our emergency fund and we have to pay off debt, should we put away money even though we could of used that money we put away towards our emergency to put towards the debt?
+Melohhdee We recommend having a starter emergency fund while paying off debt. Dave Ramsey recommends at least $1,000. We don't have a problem with that amount. However, some people feel comfortable with a little more.Having $1500- $2000 set aside is ok to. Hope this helps!
Can I budget weekly instead of monthly. ...how do you have enough money before the month to start the budget this is where I get lost????
Hey guys...My husband and I just got married 2 years ago...2nd marriage and we are older we been single for 10 years plus so we have our own bank accounts. We did open a joint house account...we added up all the bills. he put in half and so do I...we don't used that account for nothing but Mortgage... light gas... water cable cell phone ..food..we don't even carry the card with us unless we are doing the monthly shopping..so why do we have to go over the budget more then once a month? I love you guys just signed up for mystery shopper so I can knock out my mortgage.. btw...no car note will need a car in couple of years but will pay cash even if it means the car is a few years old
*Diana Williams-Coe~ May I ask how your mystery shopping turned out? I would like to do it too. Thank you in advance!
Adult children kill your budget all the time. We are debt free, but our budget keep taking hits.
I am trying to work through... Codependent behavior and being an enabler... Maybe research it.. And see if that is a favor for you.
Thanks for making our weekly 'Family Night' fun last night .... we watched a few of your videos! Entertainment and Learning at the same time. Who needs Cable TV when we have His And Her Money on RUclips, along with free Redbox thanks to Five4FiveMeals #WooHoo
Landra from TeamRasheed
Team Rasheed Thanks so much! This is so encouraging. We are happy to hear that you and your family are doing this together!!! We love Five4FiveMeals!
👌✅👌
Thank you for these videos
Thank you for watching!