Here’s to Saving Big in the new year! Click the links below to catch up on my budgeting series. 2025 is our year!! New Year, New Budget? ruclips.net/video/3wvhmO6gIBI/видео.htmlsi=OgtxcJSSqH33HY9Y From Broke to $10K! My Emergency Fund Savings Journey ruclips.net/video/gsXb6_nLwjU/видео.htmlsi=VtAoOA-yfJbJ0YKX How to Save for Your Future! Creative Saving Tips! ruclips.net/video/x70EmqQ8bZM/видео.htmlsi=0q2OGbCg5u7HdAu9 How many savings challenges you need? ruclips.net/video/oLkNHDIeWiQ/видео.htmlsi=2BpP4PUqnYYk9nuK My 2025 Sinking Fund Plans! ruclips.net/video/8phXb_vOjSA/видео.htmlsi=ALFNljNQTKcQ-85X My 2025 Savings Challenge Plans! ruclips.net/video/bMsjUt2LPjk/видео.htmlsi=z2JiNKFUdgx62hI3 Road to 10K! Let’s do this!! If you’re not subscribed, I would love for you to join my community. We have a great time. I appreciate your support! geni.us/SubscribeBJB
I found budgeting by paycheck was keeping me poor. I built up to a month ahead by underspending on my budget and building up the cushion in my bank account until I had a month's income. It took me 4-5 months. It has made such a difference. Life changing.
This my big goal for year.. I listed all bills from smallest to largest. I put a set amount each paycheck and work on just one bill at a time when I have enough for one bill I mark it off and go onto my next one. I'm 2/3 way done! But I made the amounts smaller so I don't stress myself out.. it will take me longer but it's not stressing me out!
Income tax, Christmas bonuses, money saved from coupons when you food clothes other shopping.... If you are blessed to get cash gifts for whatever reason those also...
Hi Kris!! Happy New Year!!! I’m a month ahead on my mortgage and daycare expenses…I did it on paper with my magic month… so when I receive that third check I put it all to my mortgage and it immediately put me a month ahead on paper… I did the same thing when I receive my second Magic month for my childcare expense… you have to be super intentional and not spend the money that’s in the bank, but it was a fast way to get ahead with my two largest expenses!!!
This video is full of ideas! January is my magic month as well, but I already budgeted that 3rd paycheck for extra money to my mortgage & car note- I will keep this in mind for the next magic month, though. In the meanwhile I'm going to go back to the zero out challenge you mentioned. Thanks Kris! 15:15
This video is right on time, me and my hubby were just talking about this. We used to be a few months ahead until unemployment hit both of us last year. We’re in recovery mode now and re-strategizing. 👍🏽👏🏾🙏🏽
I definitely plan to start off getting one month ahead in my rent. It’s hard because I myself am low income. This tax season is all about fighting instant gratification and getting my money straight. Thank you for always dropping gems Kris💅🏾
Hi Kris! I keep my emergency fund in a HYSA, and I do a no spend month twice a year. I have been a month ahead for a while- and used a lot of suggestions that you listed. It is not easy, but it is the best advice out there! Thanks!
Great explanation Kris! I am doing the snowball method for my month ahead fund going from my smallest bill to largest bill and using scratch offs to make it fun. I have a bills account that I will transfer the money to. We have the same paydays. Have a great week! 😊❤
Awesome advice Kris! This is a goal of mine this year. I’m working on transferring it out of my sinking funds to a separate binder of its own. This truly helps me get started.
I have a month ahead binder. Once a week I stuff it. Every $100 gets a place holder and goes in my high yield savings. Plus I stay home allot-amazon is a 4 letter word.
Great video Kris!! 😊 This is one of my goals this year. Due to my taxes and insurance on my house increased it increased my mortgage. So, i plan to pay extra to my escrow this year. I dont want that to happen again.
Hi hi new subscriber Claudine here! Great info! Month ahead is a great goal… I’m using my magic month paychecks to do it too. I have mine in cash right now but gradually I’ll move it to a savings account. 🦊💰❤️
I wish I could save money. I wish I had a third payday. When you retired and I’m Social Security and make as little as I do, there’s no such thing as a budget because I have no money left over when I pay all my bills and I prayed the next paycheck I get will come sooner than every two weeks so if I get hungry, I can buy food. They say I make too much to get help I make less than $2000 a month way less. But I don’t need help. I say I’m glad I own my home and I’m glad I own my own vehicle because the white lights going right now I might be living in my vehicle and I know God does not give me any more than I can handle and I can handle it by doing without. I hope this can help someone and make their life easier and make them able to pay their bills a month ahead. Those were great ideas you said and have. I just don’t get any of those benefits. Thank you for sharing and caring and keep up the great work.
I live in Australia and i am on a very low income for over here. I got a refund from something I'd overpaid and I had a 3 pay month in December, so i decided to go ahead and finally set up a monthly budget (usually budget bi weekly along with my paydays). It hurts doing a monthly budget because the bills and expenses take up most of my income. But i will have a couple of magic months some time during the year to do other things with or put in my month ahead acct for extra spending/saving some months. I'm now living on last month's income and it's been a challenge coz i was a bit short of my budget this month, but i got there. Using cash has helped me set up savings challenges and cash envelopes and I'm now planning on saving for next year's spending to cut back on next year's monthly budget! Great video Cin.
When you have a magic month , do you pay your mortgage / rent ? My rent is auto. Every clip,e of years I have overpaid close to 2k in advance . I don’t know if I should / could use that third pay in that magic month to do other things instead of my usual fortnightly bills .
I pay my mortgage the last Friday of the month. But I don’t pay it for the first of the next month, but rather the month after. (For example, I paid my Feb 1 mortgage payment on December 27.) it gives me peace of mind it’s paid, it saves interest, and if I’m unable to pay (vacation, etc.), I have four or five more Fridays to pay it. Each paycheck from my full-time job automatically puts into savings the amount needed for my regular bills. That money is not to be used for something short of life and death. And I use the zero-out to round my checking account to full dollars every week. It might be pennies each week, but it adds up!
Hello Hope all is well. Not yet 1month ahead on all bills. But have a emergency fund ( get money in hours) , a good grip in sinking funds (still going as goals are not met yet)... and some 3months bill paid for reductions... And subscriptions are a no for me.... say no netflix, no extras paying youtube and amazon prime( this as has to be in amazon es... for Portugal 🇵🇹 many things are extra... and now most buys if x or m amont are spend they are free post).... To all out there YOU CAN DO IT Keep safe from Portugal 🇵🇹 😀👍
Hello Kris here catching up...I hope i can save more this year...last year tax refund i didn't spend it bc i save it in savings account to use it towards my kids school tuition bc they go to private school and my refund was exactly the amount of yearly tuition which gets deducted from bank on monthly basis.. but if this year i get a little extra ill save it in sinking funds.
Great video! My own personal problem is that we get paid monthly and don’t have any magic month. Also I am self employed so I always end up owing taxes. It’s so frustrating! Any ideas for someone that gets paid monthly with variable pay? I definitely do the change thing though!
@@kelly10921 hey there! Not sure about your budget but I would look into setting aside a certain percentage each pay to go towards getting ahead. Treat it like a bill even if it’s a small amount. Not sure what your business is but if you get a higher paying job or commission one month, allocate a portion of that money as well. Even if it’s a small amount, it will add up!
I am on a very low income.... here's what I've started doing :- I pay ALL my bills the day i get paid, then take out £400 cash (Leaves me with very little in the bank!)...... = £20 for chicken food and £30 for my cat..... the remaining £350 goes in a 5 week, per month, food budget. This is 5 envelopes with £70 in each..... £10 per day for food, which is far more than necessary for me and my son. As there's no 35 days in any month, I will have at least £40 to play with just before the next payday....... PLUS any £10's I can save for having 'no spend' days. So far, this month (i'm just starting week 3) I have saved £60.....and will have £40 extra as there's 31 days in January. That's £100 already!..... with 3 weeks to go.... This is VERY hard to do the first month......but it's working for me as any cash laying around in my current accounts will get wasted on an Amazon or Ebay basket!. The day before the next payday, I either reallocate the money back into the food envelopes and do something with the equivilent that i don't have to get out of the bank the next time I get paid (savings) OR I allocate the saved cash into other envelopes that i have created (ie birthdays, 'big' food shop, toiletries, month ahead, household supplies etc) and then draw out another £400 to restart over again the next month...... or a mixture of both. I also have a £1 coin per day jar (not to be touched until 1st Jan 2026)..... and also my spare silver goes into a fish and chip take away tub! I repeat, the first month of doing this is absolute murder as there's no spare cash to draw from for other things when you need toilet rolls or toothpaste etc.... so baby cheats the first month might have to happen.
Hey hey rewatching... I'm not a month ahead on every single bill but I am a month ahead on smaller bills such as my car payment lol. I would always pay more then the minimum.. by the time I send my second payment in they're like oh what you have this much do on April the 23rd... I got a month ahead on certain bills when I would have certain bonuses from work.. Also I was able to get ahead on most bills by simply doing the split payment method... still watching... you can also break up the amount for the bill...Such as if a bill is 200.00 divide it up by 5 or 10 even 20 then move on.
Well, Chris how can I do this? because I'm on disability and I only get one check a month and I don't get any magic in any of my months. I don't get any tax returns because I don't make enough money to pay taxes.
@@rezenaenendu6001 hi there! You should join my lives on Saturday mornings. We have another friend that joins that’s in the same situation and she’s started saving and paying off her credit cards. I bet she has great tips!
Here’s what I don’t understand about getting a month ahead: how do you stay a month ahead? Once I pay my bills, I’ve used that money..l so how do I get ahead for the next month and so on? Thanks❤
![BLACK BAG - Official Trailer [HD] - Only in Theaters March 14](http://i.ytimg.com/vi/Du0Xp8WX_7I/mqdefault.jpg)
Here’s to Saving Big in the new year! Click the links below to catch up on my budgeting series. 2025 is our year!!
New Year, New Budget?
ruclips.net/video/3wvhmO6gIBI/видео.htmlsi=OgtxcJSSqH33HY9Y
From Broke to $10K! My Emergency Fund Savings Journey
ruclips.net/video/gsXb6_nLwjU/видео.htmlsi=VtAoOA-yfJbJ0YKX
How to Save for Your Future! Creative Saving Tips!
ruclips.net/video/x70EmqQ8bZM/видео.htmlsi=0q2OGbCg5u7HdAu9
How many savings challenges you need?
ruclips.net/video/oLkNHDIeWiQ/видео.htmlsi=2BpP4PUqnYYk9nuK
My 2025 Sinking Fund Plans!
ruclips.net/video/8phXb_vOjSA/видео.htmlsi=ALFNljNQTKcQ-85X
My 2025 Savings Challenge Plans!
ruclips.net/video/bMsjUt2LPjk/видео.htmlsi=z2JiNKFUdgx62hI3
Road to 10K! Let’s do this!! If you’re not subscribed, I would love for you to join my community. We have a great time. I appreciate your support!
geni.us/SubscribeBJB
I found budgeting by paycheck was keeping me poor. I built up to a month ahead by underspending on my budget and building up the cushion in my bank account until I had a month's income. It took me 4-5 months. It has made such a difference. Life changing.
@@elizabethallan7610 wow that’s awesome! Thanks for sharing that tip😊
This my big goal for year.. I listed all bills from smallest to largest. I put a set amount each paycheck and work on just one bill at a time when I have enough for one bill I mark it off and go onto my next one. I'm 2/3 way done! But I made the amounts smaller so I don't stress myself out.. it will take me longer but it's not stressing me out!
I did this 2 years ago, and it’s actually really fun as a challenge/game, to fill in each bill as being funded!
I'm doing that too!🙂
@@mesamesa19 yes!!! As long as you’re not stressed that’s important 🩷
It will be so worth it!! Less stress now, less stress when you achieve your goal. Win, win🎉
Im trying to do at least 12 to 15 no spend days each month..thanks for always encouraging us 15:08
Nice! Keep us posted on how it goes😊
Income tax, Christmas bonuses, money saved from coupons when you food clothes other shopping.... If you are blessed to get cash gifts for whatever reason those also...
@@Joan-o5r yess those are all good!
I’m starting over to get a month ahead in my bills. Congrats on your promotion 🎉Awesome tips as usual Kris ❤
@@Frugalityislife Thank you 🙏
❤ this!! My one month ahead sinking fund is almost full🙌🏾
@@coachdonna216 yeahhhh let’s go!!🙌🏽
I love the way you explain things and encourage.
@@carolyndalton7775 thanks Carolyn 🩷
Hi Kris!! Happy New Year!!!
I’m a month ahead on my mortgage and daycare expenses…I did it on paper with my magic month… so when I receive that third check I put it all to my mortgage and it immediately put me a month ahead on paper… I did the same thing when I receive my second Magic month for my childcare expense… you have to be super intentional and not spend the money that’s in the bank, but it was a fast way to get ahead with my two largest expenses!!!
@@BudgetStuffSaveRepeat yeah Melissa let’s go!! Happy New Year!
This video is full of ideas! January is my magic month as well, but I already budgeted that 3rd paycheck for extra money to my mortgage & car note- I will keep this in mind for the next magic month, though. In the meanwhile I'm going to go back to the zero out challenge you mentioned. Thanks Kris! 15:15
@@Chevy2Tyme one of my favorite challenges!
This video is right on time, me and my hubby were just talking about this. We used to be a few months ahead until unemployment hit both of us last year. We’re in recovery mode now and re-strategizing. 👍🏽👏🏾🙏🏽
@@klomax7089 ya’ll got this!! 🙌🏽
I definitely plan to start off getting one month ahead in my rent. It’s hard because I myself am low income. This tax season is all about fighting instant gratification and getting my money straight. Thank you for always dropping gems Kris💅🏾
@@CoffeeNBudgets I know it’s hard but you can do this!!
You can do it! And I will too.
@@terrycox2442 🙌🏽
Hi Kris! I keep my emergency fund in a HYSA, and I do a no spend month twice a year. I have been a month ahead for a while- and used a lot of suggestions that you listed. It is not easy, but it is the best advice out there! Thanks!
@@LDPLadyLeader such great advice!
Thank you Kris! That is one of my financial goals for this year is to get one month ahead ❤
@@JamilleCharles yeah let’s go!!
Great video 😊😊💙💙
Hi Kris! This year one of my goals is to get one month ahead. This was useful information at just the right time.
I love the idea of the round it our strategy. You have a lot of great and helpful ideas to help save money. Wonderful video 💕
@@SavinWithSam thank you for watching 🙏
Great tips Kris! Thank you 💜💜💜
@@Glammmahgotguts you’re welcome 🩷
I will use my $100 challenge
@@dee-clutteringqueen5881 nice!!
Great explanation Kris! I am doing the snowball method for my month ahead fund going from my smallest bill to largest bill and using scratch offs to make it fun. I have a bills account that I will transfer the money to. We have the same paydays. Have a great week! 😊❤
@@tamikajones6970 sounds like a great plan! Have a great week!
Thank you 😊
Awesome advice Kris! This is a goal of mine this year. I’m working on transferring it out of my sinking funds to a separate binder of its own. This truly helps me get started.
@@daj536 yes you got this!!
Thank you so much Kris
@@luckylib you’re welcome 😊
I have a month ahead binder. Once a week I stuff it. Every $100 gets a place holder and goes in my high yield savings. Plus I stay home allot-amazon is a 4 letter word.
Thank you so much. Your explanation to this and how to do it was the best.
@@clary1 I’m glad you enjoyed it 😊
Great video ❤ I was a month ahead but life happened trying to get back to that
@@DenaMenard Happy to hear you’re trying again!
I think I'll start with getting a month ahead with my HOA because HOA payments affect my neighbors. Happy New Year, Kris
@@c.parker8439 very smart
Great video Kris!! 😊 This is one of my goals this year. Due to my taxes and insurance on my house increased it increased my mortgage. So, i plan to pay extra to my escrow this year. I dont want that to happen again.
@@jessicapaul5884 that’s so smart!
@BudgetingJustBecause thanks 😊. Thanks for the ideas to help me. 😀
These are some very great tips that you are giving out. My goal is to build my emergency fund up again.
@@shellyfitts-oliver7262 yes let’s go!!
Greay tips Kris! Especially liked the magic month one. Can’t wait for the next one.
@@mariesbudgetinghacks thanks Marie
Hi Kris ❤ Great strategies on becoming a month ahead , thanks for sharing
@@rosbudgetlife3324 welcome 🩷
Kris these are all great ideas!
@@myangelsam519 thank you 🙏
Awesome video!
@@apav4347 thanks 🙏
Hi, I’m enjoying your channel . I will be following for more useful info.
@@talenahicks7054 thank you and happy to have you 😊
Hello new subscriber here listening. I’ve done this and then had to pull it all. I’m gonna start over here soon.
Don’t let that discourage you. 🩷
hey Kris, Good advice.
@@conniekelly-hl5qr thanks Connie
Yes girl, strategize with your money!
@@AreliBudgets yes you have to
Great explanation Kris. A topic that I’ve seen but don’t quite understand is a CD ladder
@@yosoyten14 ok we’ll look into it 😊
Hi Kris!! Thank you for this! This is one of my goals this year!! 😊🎉
Happy 2025! ❤
@@BoopnBudgets you’re welcome friend 🩷 Happy New Year!
Hey Kris, great video. It is one of my goals to start my Month Ahead savings this year❤
@@Sjohnson324 you got this!
Hi Kris, really good information!! 😊
@@BudgetingwithTracey thanks Tracey 😊
❤ Hi Kris! ❤ Enjoying your video!
@@CashBudgetRetiree awww thank you 🩷
Hi hi new subscriber Claudine here! Great info! Month ahead is a great goal… I’m using my magic month paychecks to do it too. I have mine in cash right now but gradually I’ll move it to a savings account. 🦊💰❤️
@@FoxyFinances hey Claudine! Sounds like you’re doing an awesome job 😊
@ I’m tryin! 😂
I wish I could save money. I wish I had a third payday. When you retired and I’m Social Security and make as little as I do, there’s no such thing as a budget because I have no money left over when I pay all my bills and I prayed the next paycheck I get will come sooner than every two weeks so if I get hungry, I can buy food. They say I make too much to get help I make less than $2000 a month way less. But I don’t need help. I say I’m glad I own my home and I’m glad I own my own vehicle because the white lights going right now I might be living in my vehicle and I know God does not give me any more than I can handle and I can handle it by doing without. I hope this can help someone and make their life easier and make them able to pay their bills a month ahead. Those were great ideas you said and have. I just don’t get any of those benefits. Thank you for sharing and caring and keep up the great work.
@@Bitbit3427 Congrats on owning your home!! That’s a great accomplishment.
Try a church pantry. I balked at first but I am able to stock up and help my kids when they need help
Great video Kris. Love Ya. Hugs my friend. 🤗🤗💚💚
@@donnajo82763 thanks friend 🤗
I have seven categories- one month ahead- emergency- debt- self care- cruise-insurances- investments ( low income). Save weekly on each.
@@cheryllflagg7560 those are good categories!
I live in Australia and i am on a very low income for over here. I got a refund from something I'd overpaid and I had a 3 pay month in December, so i decided to go ahead and finally set up a monthly budget (usually budget bi weekly along with my paydays).
It hurts doing a monthly budget because the bills and expenses take up most of my income. But i will have a couple of magic months some time during the year to do other things with or put in my month ahead acct for extra spending/saving some months.
I'm now living on last month's income and it's been a challenge coz i was a bit short of my budget this month, but i got there. Using cash has helped me set up savings challenges and cash envelopes and I'm now planning on saving for next year's spending to cut back on next year's monthly budget!
Great video Cin.
When you have a magic month , do you pay your mortgage / rent ? My rent is auto. Every clip,e of years I have overpaid close to 2k in advance . I don’t know if I should / could use that third pay in that magic month to do other things instead of my usual fortnightly bills .
@@cutebunny312 you have a plan and that’s the most important thing. You’re doing great! You got this 😊
Wednesday is penny challenge day. A good first tiny step.
@@cheryllflagg7560 yes love that!
Awesome information ❤ love the money tray how can I get one 😊
@@Dalphany someone made this for me years ago! I do have some cash trays coming to my shop next month 😊
I pay my mortgage the last Friday of the month. But I don’t pay it for the first of the next month, but rather the month after. (For example, I paid my Feb 1 mortgage payment on December 27.) it gives me peace of mind it’s paid, it saves interest, and if I’m unable to pay (vacation, etc.), I have four or five more Fridays to pay it.
Each paycheck from my full-time job automatically puts into savings the amount needed for my regular bills. That money is not to be used for something short of life and death.
And I use the zero-out to round my checking account to full dollars every week. It might be pennies each week, but it adds up!
@@thisisbethm yes I love a great plan!
Great video. I started my month ahed binder. But i cant save so much at a time. But it ads up in the end. Every dollar counts. 😊
@@Bydgetbycamilla yes it does!
Hello Hope all is well.
Not yet 1month ahead on all bills.
But have a emergency fund ( get money in hours) , a good grip in sinking funds (still going as goals are not met yet)... and some 3months bill paid for reductions...
And subscriptions are a no for me.... say no netflix, no extras paying youtube and amazon prime( this as has to be in amazon es... for Portugal 🇵🇹 many things are extra... and now most buys if x or m amont are spend they are free post)....
To all out there YOU CAN DO IT
Keep safe from Portugal 🇵🇹 😀👍
@@ritamariavasconcelos6870 Hello Rita from Portugal 👋🏽 you have a great plan!
Hello Kris here catching up...I hope i can save more this year...last year tax refund i didn't spend it bc i save it in savings account to use it towards my kids school tuition bc they go to private school and my refund was exactly the amount of yearly tuition which gets deducted from bank on monthly basis.. but if this year i get a little extra ill save it in sinking funds.
So happy you’re getting a little extra this year!
I want to use my tax money and my bonus money to get a month ahead.
@@conniekelly-hl5qr start working those numbers to see what it will look like
Great video
@@StephsHealthMatters thanks
Hello I'm new to your channel. Can you explain more about high yield savings accounts and the benefits 😊
@@tiffanysmith895 Hi Tiffany. I actually did a live on HYSA if you want to check it out 😊
ruclips.net/user/liveQMi1Z6LU9lY?si=AoidMNN3AntHVf5m
Great video! My own personal problem is that we get paid monthly and don’t have any magic month. Also I am self employed so I always end up owing taxes. It’s so frustrating! Any ideas for someone that gets paid monthly with variable pay? I definitely do the change thing though!
@@kelly10921 hey there! Not sure about your budget but I would look into setting aside a certain percentage each pay to go towards getting ahead. Treat it like a bill even if it’s a small amount. Not sure what your business is but if you get a higher paying job or commission one month, allocate a portion of that money as well. Even if it’s a small amount, it will add up!
@ thank you! I didn’t even think to put it in the fixed bills part. I will do that and pray for the best!
@@kelly10921 you got this!!
I am on a very low income.... here's what I've started doing :-
I pay ALL my bills the day i get paid, then take out £400 cash (Leaves me with very little in the bank!)...... = £20 for chicken food and £30 for my cat..... the remaining £350 goes in a 5 week, per month, food budget. This is 5 envelopes with £70 in each..... £10 per day for food, which is far more than necessary for me and my son. As there's no 35 days in any month, I will have at least £40 to play with just before the next payday....... PLUS any £10's I can save for having 'no spend' days. So far, this month (i'm just starting week 3) I have saved £60.....and will have £40 extra as there's 31 days in January. That's £100 already!..... with 3 weeks to go....
This is VERY hard to do the first month......but it's working for me as any cash laying around in my current accounts will get wasted on an Amazon or Ebay basket!. The day before the next payday, I either reallocate the money back into the food envelopes and do something with the equivilent that i don't have to get out of the bank the next time I get paid (savings) OR I allocate the saved cash into other envelopes that i have created (ie birthdays, 'big' food shop, toiletries, month ahead, household supplies etc) and then draw out another £400 to restart over again the next month...... or a mixture of both. I also have a £1 coin per day jar (not to be touched until 1st Jan 2026)..... and also my spare silver goes into a fish and chip take away tub!
I repeat, the first month of doing this is absolute murder as there's no spare cash to draw from for other things when you need toilet rolls or toothpaste etc.... so baby cheats the first month might have to happen.
@@My2up2downCastle thank you!!!
Hey hey rewatching... I'm not a month ahead on every single bill but I am a month ahead on smaller bills such as my car payment lol. I would always pay more then the minimum.. by the time I send my second payment in they're like oh what you have this much do on April the 23rd... I got a month ahead on certain bills when I would have certain bonuses from work..
Also I was able to get ahead on most bills by simply doing the split payment method... still watching... you can also break up the amount for the bill...Such as if a bill is 200.00 divide it up by 5 or 10 even 20 then move on.
@@IDesireeWealth you are always on top of it!
Great video Kris.
@@julieb6680 thank you 🙏
Wow . I’m the same , 3 , 17,31 .
@@ireneroland3070 heyyyy
Well, Chris how can I do this? because I'm on disability and I only get one check a month and I don't get any magic in any of my months. I don't get any tax returns because I don't make enough money to pay taxes.
@@rezenaenendu6001 hi there! You should join my lives on Saturday mornings. We have another friend that joins that’s in the same situation and she’s started saving and paying off her credit cards. I bet she has great tips!
@@BudgetingJustBecause ty. What time on Saturday? Also, do u hv a video that can help?
@ I go live 10am central. My next live is Feb 1st. Yes checkout my lives and videos. I hope you will enjoy 😊
❤❤❤
❤😊
❤❤
Here’s what I don’t understand about getting a month ahead: how do you stay a month ahead? Once I pay my bills, I’ve used that money..l so how do I get ahead for the next month and so on? Thanks❤
Income taxes are going to pay down debt so that monthly I have less bills. This means I should be able to save more by the second half of this year.
@@royalpitamamma yes!! Sounds like a plan
Do you pay your mortgage in the third pay in the magic month ?
@@ireneroland3070 no the 3rd pay in a magic month is a “free” check. Mortgage is already budgeted out of the 2nd check of the month.
@ thanks for clarifying that .
I owe taxes every year lol
@@sheneathahollowell2750 oh no that’s not cool lol
Explaining 🤌🏽🎉🎉
@@rackiahlyons6392 🙏
This is good! Very helpful. Thank you, Kris 🩷 I'm looking into getting a month ahead but not quite ready to start yet.
@@FormingNewHabits don’t rush it! Do it when you’re ready 🩷
@BudgetingJustBecause Yes, definitely!
Great video
@@annettehodge8227 thank you