I literally have to shout from the rooftops about how awesome your 2019 budget binder is. At first I was like I really do not need all of these pages but there is a method. when I took my little slip to get each individual bill that I need it for my cash envelopes I felt so together. and I know I keep leaving comments on each one of your videos but I just truly can't thank you enough.
All I can say is thank you thank you thank you for really breaking things down. And that a budget is personal and there is no one size fits all. Love your video and appreciate all that you do. You don’t have to explain things but you do and that helps people like me. I found you just a few weeks ago YT and love your story!
Just wanted to say THANK YOU! I have no idea why or how one of your videos popped up on my feed a few weeks ago but I decided to watch it (keep in mind I never budgeted, and have been married for a year). The first video I was definitely confused but super intrigued as I was realizing I wanted to be doing more with our income, it felt like it always left as soon as we got it. I printed all of your budgeting sheets and was on fiiiire for budgeting. I’m a natural spender, and was shocked at how much I was spending. I spent $1200 on groceries one month! Now with meal planning I’m spending $600 a month (it could definitely go lower if I wasn’t very health conscious and always choosing organic foods). Your resources are AMAZING and LIFE CHANGING! Thank you so much ❤️❤️❤️ my husband and I are currently doing the debt snowball and are scheduled to be out of $20,000 of debt by the end of this year!
I do similar spreads in my budget bullet journal and with your information and tips it has helped so much. And although i didn’t purchase your sheets (since my goal is to save and stop online purchases till I can actually be at a comfortable spending level) i still support thru your RUclips and IG! Much love from VA 🙌🏼
You have changed my life, thank you ; budget by paycheck is brilliant. I am not there yet: I am not good at math but I am watching your Videos and got all the papers; forever thanks 🤗
Curious if you could do a video with budgeting tips for college students? Came across your channel and few days ago and just can’t stop watching! Super excited to start tracking my spending and trying to nail down my budget starting in February!
This is such a new and interesting system of budgeting and saving. I want to try cash envelope system for groceries and eating out. I feel like the amount I am spending on eating out and grocery shopping is out of control, but your system is perfect for it.
Great video. Quick question. Do you track the cushion of 40.00 per pay as an expense when youre categorizing it or do you just subtract 40.00 from your written paycheck amount to account for it? I am going to use a cushion but dont know how to balance that extra 80.00 at the end of the month.
Hi Miko! I came across your blog, RUclips and IG about 3ish weeks ago and I love that you are so real and detailed with everything! I did the email course and bought the workbook and am using January to closely track spending, figure out categories and bill dates, and kind of making a mock budget. I plan to get started with cash in February. One question was if you could do a video detailing some of the other sheets in the workbook. There is one (I’m sorry I don’t have it in front of me) that looks like all the categories for your budget all put together and a few others that I haven’t really seen you talk about that I would LOVE more clarity on. Also, for your grocery budget do you include things like toilet paper, paper towels, body wash, toothpaste, etc? Just trying to figure out where those things fit since I usually get them at the grocery store. Thanks so much in advance!
Brandi Becker-Wright I’ve also been doing what you are doing. I have probably watched every video she has ever made or posted. But to answer your question: she calls those supplies consumables and they are included in your groceries.
I will start using your highlighter method. That's a good idea. I think last paycheck video you said you make new cash envelopes each time. Do you shred your old ones? They are just too cute lol. 💜💜 patiently waiting for next video I really like that your posting here on YT!
Why would you shred an envelope? That would be a terrible waste of resources in an overly stressed planet. Keep using it. Just because she makes new ones doesn't mean you have to. Or make a bunch and rotate through them during the year.
I was wondering why I wasn't seeing any more of your videos and I just realized I was unsubscribed from you?? That's happened to me with a few other channels. Man this is so weird
We are starting this method in Feb. (Spending Jan. tracking expenses). As I'm starting to think ahead, I'm wondering if I should do separate budget pages for my husband (paid on 15th and 30th) and me(paid every other Thursday). So I would be making 4 budget pages. Sometimes our paydays land close together and sometimes they dont that's why I'm wondering.
Question: what if you get paid weekly, and you have bills you are paying the following month (because it’s the next week) with a paycheck from a Friday? How do you set that up on your calendar?
Is there any way I can follow your binder with a 6 months budget and a paycheck changing every time ? We are seasonal worker and need to save for those non paycheck months. How can I plan it if my income changes everytime? And how do I plan it if I have different payment for those first 6 months and those last 6 months of the year ? This is just amazing work you’re doing !
Paycheck budgeting I think may help me better and been trying to figure it out as I get monthly but also get each week 2 payments in and then partner gets paid weekly. So with such frequency would it and even a small payment in should I separate them all as each Paycheck.?
I get paid bi-weekly, so I split all my payments due to my check, let's say one of my card payment is $300 and I split the payments in both checks, how do I do this on the calendar? do I highlight one in one color and the 2nd portion in a different color on the calendar. I am so confused, can someone help?
How should I budget when my husband gets a check EVERY Friday and I get a check twice a month? The way our bills run we have bills due every week of the month.
Maybe you should send her a request to do your budget like one of those real life followers budget. She can look at your bills and come up with a plan customized for you?
I personally adore this types of video as motivation to to stay on budget but I can't budget the way she does. splitting bills between pay checks overwhelms it is too much. If you have the will look at her real budget play list she has some with multiple paychecks a month. I honestly have watched some videos a few times. I am trying to motivate myself to do sinking funds savings bc I just have 1 saving for that I use for so many things
@@thebudgetmom, okay. Then I need more sheets, lol. I won't tell you how many credit cards I have. Will you be making sheets that are editable in the future?
I love your videos! I came across your videos literally 3 days ago and I am obsessed! I am on the Budget Blueprint email course and I am on day 2! But I was curious because I was looking for a monitor. Which monitor do you have?
I seriously wished you gave private consultation. (Or maybe you do?) For a fee I would happily pay. My biggest issue is wondering if I should apply extra cash to fund my sinking funds till theyre full or just pay it towards debt. I only owe my car and mortgage as debt. But my sinking funds as a home owner are around 6 grand a year. A fee I just hate paying every month ( around 500 a month if I was to fund them monthly) Then I have an extra 700 to play with to put towards debt or keep paying down sinking funds. This is where I get stuck, what to do with the extra cash. I know its probably personal preference but I feel I need my hand held :(
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I literally have to shout from the rooftops about how awesome your 2019 budget binder is. At first I was like I really do not need all of these pages but there is a method. when I took my little slip to get each individual bill that I need it for my cash envelopes I felt so together. and I know I keep leaving comments on each one of your videos but I just truly can't thank you enough.
I love how you take the time to break everything down! Very helpful for budget newbies like me.
All I can say is thank you thank you thank you for really breaking things down. And that a budget is personal and there is no one size fits all. Love your video and appreciate all that you do. You don’t have to explain things but you do and that helps people like me. I found you just a few weeks ago YT and love your story!
Just wanted to say THANK YOU! I have no idea why or how one of your videos popped up on my feed a few weeks ago but I decided to watch it (keep in mind I never budgeted, and have been married for a year). The first video I was definitely confused but super intrigued as I was realizing I wanted to be doing more with our income, it felt like it always left as soon as we got it. I printed all of your budgeting sheets and was on fiiiire for budgeting. I’m a natural spender, and was shocked at how much I was spending. I spent $1200 on groceries one month! Now with meal planning I’m spending $600 a month (it could definitely go lower if I wasn’t very health conscious and always choosing organic foods). Your resources are AMAZING and LIFE CHANGING! Thank you so much ❤️❤️❤️ my husband and I are currently doing the debt snowball and are scheduled to be out of $20,000 of debt by the end of this year!
Brianna Irene any updates?
I’m so happy for you!!!! Miko is changing lives!!!! I’m so happy I find her too🥰
I do similar spreads in my budget bullet journal and with your information and tips it has helped so much. And although i didn’t purchase your sheets (since my goal is to save and stop online purchases till I can actually be at a comfortable spending level) i still support thru your RUclips and IG! Much love from VA 🙌🏼
You have changed my life, thank you ; budget by paycheck is brilliant. I am not there yet: I am not good at math but I am watching your Videos and got all the papers; forever thanks 🤗
This is an excellent video. I too have to write everything down when it comes to my finances. There’s a lot of great details in this video 👌🏻☺️
Curious if you could do a video with budgeting tips for college students? Came across your channel and few days ago and just can’t stop watching! Super excited to start tracking my spending and trying to nail down my budget starting in February!
Love the vide..purchased your worksheets love them so far..Can you put videos about the other pages included the the workbook ..Thank You
This is such a new and interesting system of budgeting and saving. I want to try cash envelope system for groceries and eating out. I feel like the amount I am spending on eating out and grocery shopping is out of control, but your system is perfect for it.
My bday!! I get paid every Friday so i will be doing these every week!
Thank you for sharing! Since discovering you and your videos, you have helped me so much.
Love it! Thank you!
Wow i love your layout bill tracker and enveloppe I would love to have these layout
Great video. Quick question. Do you track the cushion of 40.00 per pay as an expense when youre categorizing it or do you just subtract 40.00 from your written paycheck amount to account for it? I am going to use a cushion but dont know how to balance that extra 80.00 at the end of the month.
Thank you!
Hi Miko! I came across your blog, RUclips and IG about 3ish weeks ago and I love that you are so real and detailed with everything!
I did the email course and bought the workbook and am using January to closely track spending, figure out categories and bill dates, and kind of making a mock budget. I plan to get started with cash in February.
One question was if you could do a video detailing some of the other sheets in the workbook. There is one (I’m sorry I don’t have it in front of me) that looks like all the categories for your budget all put together and a few others that I haven’t really seen you talk about that I would LOVE more clarity on.
Also, for your grocery budget do you include things like toilet paper, paper towels, body wash, toothpaste, etc? Just trying to figure out where those things fit since I usually get them at the grocery store. Thanks so much in advance!
Brandi Becker-Wright I’ve also been doing what you are doing. I have probably watched every video she has ever made or posted. But to answer your question: she calls those supplies consumables and they are included in your groceries.
Really like the details 😍
Very inspiring❤
I will start using your highlighter method. That's a good idea.
I think last paycheck video you said you make new cash envelopes each time. Do you shred your old ones? They are just too cute lol. 💜💜 patiently waiting for next video I really like that your posting here on YT!
Why would you shred an envelope? That would be a terrible waste of resources in an overly stressed planet. Keep using it. Just because she makes new ones doesn't mean you have to. Or make a bunch and rotate through them during the year.
Yay! Awesome video Kumiko, thanks! :)
Where can I get the printables for this? This format would work great for me and my hubby.
Where can we get these printables?
I was wondering why I wasn't seeing any more of your videos and I just realized I was unsubscribed from you?? That's happened to me with a few other channels. Man this is so weird
how can I order the paycheck to paycheck book? is is a digital and by mail form?
great video
We are starting this method in Feb. (Spending Jan. tracking expenses). As I'm starting to think ahead, I'm wondering if I should do separate budget pages for my husband (paid on 15th and 30th) and me(paid every other Thursday). So I would be making 4 budget pages. Sometimes our paydays land close together and sometimes they dont that's why I'm wondering.
Thank you!!🎀
Question: what if you get paid weekly, and you have bills you are paying the following month (because it’s the next week) with a paycheck from a Friday? How do you set that up on your calendar?
I was wondering the same thing.
You have to count it for day 1 of the following month and subtract those bills from it.
Video on business budgeting
Is there any way I can follow your binder with a 6 months budget and a paycheck changing every time ? We are seasonal worker and need to save for those non paycheck months. How can I plan it if my income changes everytime? And how do I plan it if I have different payment for those first 6 months and those last 6 months of the year ? This is just amazing work you’re doing !
Would you still include your 401k if it just automatically comes out of your paycheck before you get it?
Can you make the worksheets in A2 size? I’m a weekly paycheck budgeter so I work in an A2 notebook.
Are there links to your pages/binder?
Paycheck budgeting I think may help me better and been trying to figure it out as I get monthly but also get each week 2 payments in and then partner gets paid weekly. So with such frequency would it and even a small payment in should I separate them all as each Paycheck.?
where does your clothing budget go into?
I get paid bi-weekly, so I split all my payments due to my check, let's say one of my card payment is $300 and I split the payments in both checks, how do I do this on the calendar? do I highlight one in one color and the 2nd portion in a different color on the calendar. I am so confused, can someone help?
How should I budget when my husband gets a check EVERY Friday and I get a check twice a month? The way our bills run we have bills due every week of the month.
Maybe you should send her a request to do your budget like one of those real life followers budget. She can look at your bills and come up with a plan customized for you?
I personally adore this types of video as motivation to to stay on budget but I can't budget the way she does. splitting bills between pay checks overwhelms it is too much. If you have the will look at her real budget play list she has some with multiple paychecks a month. I honestly have watched some videos a few times. I am trying to motivate myself to do sinking funds savings bc I just have 1 saving for that I use for so many things
ruclips.net/video/bx8qi8lm0Cc/видео.html
For debt payments (credit cards) would I just put it as one lump sum on the paycheck bill tracker sheet?
@@thebudgetmom, okay. Then I need more sheets, lol. I won't tell you how many credit cards I have. Will you be making sheets that are editable in the future?
I love your videos! I came across your videos literally 3 days ago and I am obsessed! I am on the Budget Blueprint email course and I am on day 2! But I was curious because I was looking for a monitor. Which monitor do you have?
I have a question! So with the cash envelope system, what do you do with the change that you have left over from your purchases?
Shiv_xoxo see her previous video. That change is transferred or saved
For me I just put it in a jar and saved it
Great vid... please ZOOM IN- hard to see 💙
How do I get access to print the worksheets?
Yes
Nikki Fowler www.thebudgetmom.com/access-the-free-resource-library/
@@ld8503 those sheets are not on there
I seriously wished you gave private consultation. (Or maybe you do?) For a fee I would happily pay. My biggest issue is wondering if I should apply extra cash to fund my sinking funds till theyre full or just pay it towards debt. I only owe my car and mortgage as debt. But my sinking funds as a home owner are around 6 grand a year. A fee I just hate paying every month ( around 500 a month if I was to fund them monthly) Then I have an extra 700 to play with to put towards debt or keep paying down sinking funds. This is where I get stuck, what to do with the extra cash. I know its probably personal preference but I feel I need my hand held :(
I hope you were able to get the help you need. I used to feel that way.. I still do but doing better now.
I hope you were able to get the help you need. I used to feel that way.. I still do but doing better now.