Unveiling The Budget By Paycheck Workbook: The Ultimate Budgeting Tool!

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  • Опубликовано: 14 янв 2025

Комментарии • 299

  • @managingmonasmoula9811
    @managingmonasmoula9811 4 месяца назад +109

    I’ve been using TBM’s products for years now. I love the principles and I’ve stuck with this method and it works! My mortgage will be paid by December 2024 and I will be debt free! Wow! Little ol’ me. On my financial journey to retire early and enjoy life with no debt! ✅💯

  • @ibislife
    @ibislife 4 месяца назад +63

    What I admire is that you don't blame politics, who is in office, how much money you make, that you were not taught money growing up, your ex or your dog or whatever it might be. The only one that can change your prospects - is you. Even on a low income. You can be stinkin proud! I will line up to buy the new workbook.

    • @vmckinney4833
      @vmckinney4833 4 месяца назад +2

      Amen!! I love this comment

  • @PinkLadyNews
    @PinkLadyNews 4 месяца назад +56

    The small version lowers my anxiety A LOT. I might get it.

  • @shanda5073
    @shanda5073 4 месяца назад +17

    We just came from a regular vet visit and some supplements etc my husband whispered "how much will the all this cost" I looked at him and said well if it is over $750 then I am over my budget for the dog. I was calm and laughed when I say the bill was just over $250.. I LOVE that feeling of not having to scramble to find a way to pay this.

  • @lindseyb9267
    @lindseyb9267 4 месяца назад +74

    Love that you are posting to RUclips, I’m no longer on FB or IG, so thank you for sharing here!

    • @Kelly-oe8kr
      @Kelly-oe8kr 4 месяца назад +6

      Same here, I don't use social media. If not for RUclips I never would have heard about Miko. For years I tried to fit my bi-weekly budget into monthly budgeting systems with no luck. Miko PLEASE keep posting to RUclips the videos are making a world of difference to people all around the world who have finally found a budgeting method that works for THEIR situation

    • @thebalancedplanner
      @thebalancedplanner 4 месяца назад

      @@lindseyb9267 Me too ❣️

    • @nieladrew
      @nieladrew 3 месяца назад +3

      Me too!

    • @blaqt107
      @blaqt107 21 день назад +1

      Me 3

  • @adventureofalifetime4162
    @adventureofalifetime4162 4 месяца назад +25

    To be honest, all the pages you took out I never used. I am looking forward to buying the new smaller one!

  • @sonialariviere4700
    @sonialariviere4700 4 месяца назад +24

    Hi 😊 im 54, and i thought i would never be able to control my spending. I read your book, a few pages every morning, and i'm amazed about how you say those words, they hit me!
    I thought i would never be able to deal with money. But with your book, things makes sence.
    For the first time this morning, i saw a bunch of cute dresses on market place, and as i was going to check the price, (it never stopped me) ,i told my self, "what are you doing? You dont want to spend your money like this anymore! you now control yourself, and only buy with intentions!" And its the first time, i didnt go back and convince myself that i needed those clothes. I feel proud for that major step in my life, i felt control, like i haven't for a long long time.
    The best is yet to come😊
    Thank you so much❤

    • @dextersmom5694
      @dextersmom5694 4 месяца назад +2

      Always remember that everything happens for a reason, stay focused but live in the moment 😊

    • @deepick8345
      @deepick8345 4 месяца назад +3

      Great self control ❤

    • @sonialariviere4700
      @sonialariviere4700 4 месяца назад

      @@deepick8345 yess😊😊😊

  • @machellemcdonald74
    @machellemcdonald74 4 месяца назад +43

    This is the video we all needed this year.❤
    As someone who has been with you since 2019...I have sworn on these books and all your items. Those that I have bought things for, swear by them too. 😊
    Your followers are thankful for all your hard work; and your dedication to helping others. Without you we all would be in a situation we thought we would never get out of.
    Much THANK YOU!❤😊😅

  • @sang2588
    @sang2588 4 месяца назад +36

    I feel like the new bbp will be a little less overwhelming. I love it!

  • @AngelaMGreen
    @AngelaMGreen 4 месяца назад +22

    The wildflower cover is SO beautiful!!!

  • @WealthIsFreedomBudgets
    @WealthIsFreedomBudgets 4 месяца назад +10

    Miko I am forever grateful for you. Please keep putting out videos. They are life changing and I would not be where I am today if it weren’t for you. THANK YOU

  • @PlannerMemaw
    @PlannerMemaw 4 месяца назад +10

    I love the changes! Especially the smaller size, new cover design, interchangeable covers and the more efficient design.

  • @doreenlonergan2309
    @doreenlonergan2309 4 месяца назад +4

    I have read your book and been following you for about two years. I have retired and have been able to save and pay on my debts. Your method is the best. I don't use social websites so having more you on u tube is just wonderful. 😊

  • @jessicarenfro7007
    @jessicarenfro7007 4 месяца назад +18

    I can’t wait for this! I’ve been following you for 5 years and your methods have changed my life!

  • @JustOnePageAway
    @JustOnePageAway 4 месяца назад +7

    Miko, I cannot wait for this workbook. I absolutely love all the changes and the new size!!! Thank you for taking into consideration a lot of our comments and feedback. I especially appreciate the efficiency changes of the new workbook. Your budgeting workbook and method has been so helpful for me in the past. I will definitely be ordering this new one.

  • @amandajackson9127
    @amandajackson9127 4 месяца назад +5

    I LOVE that the new workbook comes completely undated! I get so frustrated with the old because some of my bills from my last paycheck pay bills in the next month. I can now customize my “months” to be the actually period I pay my bills and I can start on my Friday paydays. Thank you!!!

    • @DianaWodnoff
      @DianaWodnoff 4 месяца назад +3

      This is really smart. I never thought to start the week on the paycheck day and it always confused me more than I’d wish to say. Great idea

  • @cactushermit4274
    @cactushermit4274 4 месяца назад +5

    Ok. This is officially my 50th (pre)birthday present to myself this year. I give up. You win. I will buy the book and do the budgety things. 😂 Seriously though...this is the only way anything sticks in my brain. So. Here's to much better money mgmt in the next 50 yrs. ❤

  • @thepursuitofhomestead
    @thepursuitofhomestead 3 месяца назад +2

    I feel like you read my mind with all the changes! Can’t wait to receive this version!

  • @AmandaFrickAwakenedMind
    @AmandaFrickAwakenedMind 4 месяца назад +8

    I can't wait for the smaller size! 🎉

  • @brittanisogbein6611
    @brittanisogbein6611 4 месяца назад +4

    I’m excited about the changes. I think I will be more motivated to budget and track progress by seeing things in a more simplified manner.

  • @cherilankford3877
    @cherilankford3877 4 месяца назад +1

    Thank you so much Kamiko for this tool! I have been using it since your very first version years ago. It has helped me and my husband learn boundaries, and be able to afford the lifestyle that we enjoy. I mentor women coming out of abusive relationships, or who have been drug dependent and have learned very few life skills, much less how to save money. This tool has been a valuable resource in teaching them how to be independent and be in control of their finances for the first time in their life!

  • @MicheleLynn4
    @MicheleLynn4 4 месяца назад +12

    So glad you you decided to
    Post the stuff on RUclips!! I love watching them every day and don’t use social media!! Also can’t wait to be able to preorder! 🤑💗

  • @deepick8345
    @deepick8345 4 месяца назад +6

    Finally a smaller book and it’s just as pretty as larger. ❤❤❤❤

  • @sherde10
    @sherde10 4 месяца назад +4

    Thank you for all your advice and resources, I am 61 and in debt and determined not to leave it for my kids to deal with - I wish so much I had found you earlier - but I don't think its too late thanks to you xxxxxxxxxxxx

    • @CherylHoward-w6c
      @CherylHoward-w6c Месяц назад

      I just got this and I am 65! I already budget, but I think this will really help me ramp up clearing up my debt. I too don't want to leave crap for my kids. Now to get dear hubby to buy in fully, that is always the challenge!

  • @ymartinez3
    @ymartinez3 4 месяца назад +3

    I love these changes. Simplified!!
    The only 2 things I would add is my bills listed by chronological order they are due on a single page and a page where I can break down which check will pay which bill; which for me is not exactly how it falls on the calendar month.

  • @nitaprice5332
    @nitaprice5332 4 месяца назад +5

    Miko I love watching your process on RUclips. Thank you, Thank you. ❤️

  • @msjenkins
    @msjenkins 4 месяца назад +2

    This has been needed! I love your book layout, but what has always been a challenge for me is the size. Now you have created something more portable, and I'll be right there on the 16th to purchase. Thanks so much!

  • @patriciapification
    @patriciapification 4 месяца назад +4

    That cover is gorgeous... Thanks!

  • @terrib8376
    @terrib8376 4 месяца назад +4

    I’m so excited to preorder! Your videos and the workbooks have been pivotal in making our financial freedom possible! Thank you for all you do! 😊

  • @KizzyGill
    @KizzyGill 4 месяца назад +4

    Thank you so much for sharing here. I’m new to budgeting and I’m trying to really just figure out how to get my finances in order. Love your content & your channel.

  • @PlanningmakesCents
    @PlanningmakesCents 4 месяца назад +1

    Yes, I'm so excited. Thank you for trimming the budget planner down a bit and offering a smaller size. I can't wait for pre-orders to open. Thank you!

  • @mackenzichristensen2217
    @mackenzichristensen2217 4 месяца назад +4

    Love the BBP and will always buy one regardless of the changes because it’s my favorite financial tool! My opinion I’d like to throw out though is next time to keep the yearly savings goal tracker, alongside the one you color or instead of the one you color, if cutting pages matters more. The reason why is it’s my favorite way to track sinking funds! I feel it works really well for things that happen in the middle of the year or throughout the year because then you’re able to see that change in amount as you spend and save and spend and save. You can’t do that as easily with a visual tracker that you’ve colored with marker. I really hope you’ll make the savings tracker you got rid of a free resource in your resource library because I’d love to tape it over the savings tracker pages in there that I just don’t find as versatile! Thanks for all the work you do to help us live our happiest and most free financial lives!

  • @elizabethgunning6364
    @elizabethgunning6364 2 месяца назад +1

    received my gorgeous pre-order! perfect! bless your heart and wish me luck xx Liz G

  • @jackiebowen6239
    @jackiebowen6239 4 месяца назад +3

    Loved this, Miko! All of your daily routine videos are super helpful, too, here on RUclips, for a deeper study of the concepts. The book is beautiful. 💚

  • @victorias5983
    @victorias5983 4 месяца назад +1

    I appreciate you showing real numbers and this is actually a very useful and practical way to use a planner as mom of four like me.

  • @julieb6680
    @julieb6680 4 месяца назад +4

    Thank you for the comparison. Love the changes. I set a reminder for September 16. Looking forward to using the new workbook.❤❤❤

  • @reyh6475
    @reyh6475 3 месяца назад

    Just ordered it! I’m so excited to get my workbook. I actually found you during covid and you literally changed my life. I’m so happy for all your success and you deserve it all. 😊

  • @daisyschoen5739
    @daisyschoen5739 4 месяца назад +3

    Love that you’re back on RUclips!!!!

  • @kekcastle
    @kekcastle 4 месяца назад +3

    I can’t wait order mine. Love that wild flower cover. Always love your illustrations 😊

  • @fannyvargas3799
    @fannyvargas3799 2 месяца назад +1

    I just started setting up my new planner and I LOVE the smaller size, it’s easier to carry around in my tote

  • @lorsam305
    @lorsam305 4 месяца назад +2

    Looks great! Excited for the new smaller size and stronger covers. Thanks for coming back to RUclips!

  • @lindawoodfill503
    @lindawoodfill503 4 месяца назад +2

    Awesome! I love the smaller size . Can’t wait . I’m good on waiting as long as it’s an undated .

  • @Blessed2Budget
    @Blessed2Budget 2 месяца назад +1

    I just found you and I love you. God Bless you.

  • @thehapamommy
    @thehapamommy 4 месяца назад +2

    Thank you for all you do Miko. I can’t wait to get the new workbook. I need to fully commit to it. I have been slacking in my budget this year

  • @ThatTeacherBudgets
    @ThatTeacherBudgets 4 месяца назад +3

    I am so glad you made a smaller version!

  • @JoanneArc-or9sr
    @JoanneArc-or9sr 4 месяца назад +3

    Miko, i have never ordered your budget by paycheck book but i love the smaller size better then the large, and i love that cover!! Cant wait to order mine. ❤

  • @smalltownjoy1
    @smalltownjoy1 4 месяца назад +2

    I really love the new size and the changes you’ve made!

  • @Esther-ri4qt
    @Esther-ri4qt 4 месяца назад +3

    So excited for the new workbook. Loving all the changes especially the blank monthly calendar 🥰👏🙌❤

  • @idiljama7462
    @idiljama7462 2 месяца назад +1

    I just ordered my new smaller size planner and I can’t wait!! I had the large one before I couldn’t take it with me all the time. Thank you ❤❤❤

  • @tinaturull3793
    @tinaturull3793 4 месяца назад +3

    Loved this video, can't wait to order your smaller version of the BBP workbook.

  • @anncastro4354
    @anncastro4354 4 месяца назад +1

    Love watching your Morning Money Routine. Keeps me motivated everyday.

  • @TheCoruscateProject
    @TheCoruscateProject 4 месяца назад +2

    Love the changes, love the wildflower cover, love that you did a video here as well.

  • @shonJ17
    @shonJ17 4 месяца назад +2

    I love you!! You know my story..in chapter 8 lol. Your BBP did change my life in so many ways. Thank you again. ❤

  • @allisonrodriguez13
    @allisonrodriguez13 4 месяца назад +2

    Very inspiring! I can’t wait to preorder my book. :)

  • @brookedwards9392
    @brookedwards9392 4 месяца назад +12

    I would love the “finding your why” in the digital version!! With that being said when does the 2025 digital workbook become available? 😉

  • @karenvigmostad4013
    @karenvigmostad4013 4 месяца назад +3

    Thanks for the smaller size!

  • @kanaaa26
    @kanaaa26 3 месяца назад

    Thank you for the new workbook updates... and especially the last 3 minutes of this video! I can't wait to start using the new workbook! 💕

  • @lanceandangelamendoza3744
    @lanceandangelamendoza3744 4 месяца назад

    I am so glad you are on RUclips more. I got on social media last year just to watch you on Instagram, but society is so negative on those platforms I jumped off, deleted my app and prayed you would start back up on RUclips more often. 🎉 You have always been a great motivation and having you back is a great encouragement to get back into our budget.

  • @myhomeincincy
    @myhomeincincy 4 месяца назад

    Miko, thank you so much for the message at the end. I got out of debt and then stopped using my workbooks and got right back into debt. Hy husband is now on board and we are focused and using the old workbooks and looking forward to the new book as a fresh start.

  • @lindakostecki1723
    @lindakostecki1723 4 месяца назад

    Soooooo happy!!! I was getting a bit bored and felt like I was repeating too much!!! And this new size-!!! Perfecto!!!! Thank you so much!!! Any little bit helps people keep going I think!!!

  • @xoxo_GorgeousMinds
    @xoxo_GorgeousMinds 4 месяца назад +3

    I’m excited for this. Long time subscriber but never purchased from your store. I’m always looking though 😂. I’m ready to purchase the new workbook and get ahead of my finances.

  • @TheBohemianStyle
    @TheBohemianStyle 4 месяца назад +2

    I can’t wait for this! I already allocated funds for this purchase and hoping to get one for hubby, but now, he doesn’t want one, but he likes to look at my budget and I can tell he listens as I watch your videos. Please post on RUclips. I’ve had a problem approaching this weekend with my bank, and I come to realize I need to have more then one bank due to unforeseen technical problems.

  • @123kirmizi
    @123kirmizi 4 месяца назад +3

    thanks for sharing on RUclips, amazing product

  • @kimkliphuis8615
    @kimkliphuis8615 4 месяца назад +3

    Love the look of the new workbook a lot less writing! So excited 😆

  • @de5004
    @de5004 4 месяца назад +3

    Love the smaller size ❤

  • @laurynpawl6839
    @laurynpawl6839 4 месяца назад +1

    This workbook helped me so much. Thank you Miko for such a great tool.

  • @chelseygable289
    @chelseygable289 4 месяца назад +7

    Miko, thank you so so much for listening to our feedback! I am SO glad that the BBP is now completely undated. Also, thank you for reinforcing the covers. I'm so excited for these changes.

  • @blessedbudgetsbyAbigail
    @blessedbudgetsbyAbigail 4 месяца назад +3

    Thank you for doing a breakdown here on RUclips.
    Nice Workbook 😀

  • @terrysweet9507
    @terrysweet9507 4 месяца назад

    Miko I have been using your workbook's since 2019 and I appreciate the book. It makes paycheck budgeting so much easier. It seems like every year I have to go one whole month or two without your workbook.Last year I started my book in October so this year unless I order the season before book I'm one whole month without a book. And yes I paid to print off pages but it's not the same. And also thank you for coming back on You Tube ❤.

  • @rachelorr6982
    @rachelorr6982 4 месяца назад +6

    Thank you for posting on RUclips! I don’t have fb or Instagram so I am so excited you are posting on here more!

  • @andreajones9559
    @andreajones9559 4 месяца назад

    Breaking habits is hard, but I am working at it daily. Thank you for being genuine in your videos and journey.

  • @barbaracarbone4658
    @barbaracarbone4658 4 месяца назад +2

    Hi Miko. Your method works and seeing it all in writing in the BBP Workbook is freeing and fun! It makes it very easy to balance and plan many months ahead. Looking forward to your new BBP Workbook. Thanks much 🎉🎉❤❤

  • @Amanda.Cooper
    @Amanda.Cooper 4 месяца назад +1

    I think one of the biggest requests was to make the workbook undated so we can use them right away without flipping to the end of the book or changing the months. I'm so glad you are trying it 😊

  • @Will54rol
    @Will54rol 4 месяца назад +58

    This really helped me get a better handle on where our money’s going each month. Breaking things down paycheck by paycheck makes it so much easier to stick to a budget.

    • @Robby767
      @Robby767 4 месяца назад

      I’ve heard about it but haven’t tried it yet. I’ve tried a few apps, but they never seem to keep me on track.

    • @roseyfischer
      @roseyfischer 4 месяца назад +1

      My wife and I have been struggling to stick to a budget, especially with all the unexpected expenses that keep popping up. Do you think the workbook could help with that?

    • @Kseniaramesh
      @Kseniaramesh 4 месяца назад

      We’ve been trying to get better at saving, but it’s been tough. Between bills, groceries, and everything else, there’s not much left over at the end of the month.

    • @camela8445Mar
      @camela8445Mar 4 месяца назад

      It sounds like this workbook is more than just a budgeting tool-it’s like a financial planner in disguise. But what about long-term planning? How do you all approach that?

    • @MONROEJACQ
      @MONROEJACQ 4 месяца назад

      That’s where we decided to bring in a professional. The workbook is great for day-to-day budgeting, but for long-term planning.

  • @ginamoffett1973
    @ginamoffett1973 4 месяца назад +1

    ❤this…in a dark part of my journey and your videos always help. Ty

  • @anitadiggs9001
    @anitadiggs9001 4 месяца назад +1

    Can’t wait to order mines. Thank you for the preview

  • @ginahouston9352
    @ginahouston9352 4 месяца назад

    this popped onto my homepage just as i was trying to get budget stuff done for August... yay! this workbook is exactly what i've needed... thank you!

  • @ronyhasmith9536
    @ronyhasmith9536 4 месяца назад +1

    Love the new size! Thank you.

  • @JustOnePageAway
    @JustOnePageAway 4 месяца назад +3

    And yes posting on RUclips has been very helpful as I am not currently on IG.

  • @bethcummins9485
    @bethcummins9485 4 месяца назад +1

    Thank you for sharing on RUclips. I recently purchased the current planner to print out, but I am leaning towards ordering the new smaller version.

  • @reinahernandez1011
    @reinahernandez1011 4 месяца назад

    I cannot wait!!! By far the best budget planner I’ve ever used💰💕🙏🏻

  • @alexisballard1459
    @alexisballard1459 25 дней назад

    Just ordered mine I’m so excited ! I will be debt free in 2025.

  • @spange2380
    @spange2380 4 месяца назад

    Love it! Love the changes! You always give us the most help and the best value!!!

  • @the_caffeinated_hustle
    @the_caffeinated_hustle 4 месяца назад

    I have used the BBP workbook for over three years now. Even though I have thousands of student loan debt, I am so intune with my finances for being 27. I look forward to budgeting twice a month and having my money work for me. It's so satisfying seeing the progress --I've kept all my workbooks to look back on. I am excited for these changes and to have the additional spots for sinking funds and that you removed the extra savings!

  • @veramillogo5285
    @veramillogo5285 4 месяца назад

    I really appreciate the thoughts and work you put into the workbook. After using your workbook for almost 5 years, I think the changes you've made are improving the workbook.
    I do live in Germany so I buy the printable version. It would be great if you could offer the printable version also matching the DIN A4 paper size we use over in Europe. So I could use all my page and not wasting so much unser space on my paper.
    Thanks a lot for your work. You helped pay off 20.000€ in debt as a single mom. Since last month I' m debt free. It feels so great and calming!

  • @wendybroadhurst6853
    @wendybroadhurst6853 4 месяца назад

    Love the new workbooks. Will be saving the next two weeks for this one. Plus the smily cover. Love the price.

  • @ashleycannon2522
    @ashleycannon2522 4 месяца назад +4

    I am just now learning I have 3 sticker pages in my 2024 workbook 😂! Also I think I’m planning on ordering the small workbook this year.

  • @violetterobinson6542
    @violetterobinson6542 4 месяца назад

    These updates are PERFECT. Everything you're changing are things I've thought as well! Only thing is yearly tracker would love an extra column on the Right where "total" is, but dividing that by 12, so I have a space to see my average monthly spending for each category. This helps me plan for the next 12 months :)

  • @pahoualo5914
    @pahoualo5914 4 месяца назад

    OH my gosh I just preordered my workbook and cannot wait to get it and start using it

  • @ExcitedRunner
    @ExcitedRunner Месяц назад

    I just went through and crossed things out in my "old" BBP book to make it less overwhelming. So much easier to understand now!

  • @PattisPurse
    @PattisPurse 4 месяца назад +2

    i ❤ smaller one!!! cant wait!

  • @thelunnfamily
    @thelunnfamily 4 месяца назад

    I love the smaller size and I’m glad to hear you’re fixing the cover coming off. I just left mine off this year. This new one will be my 5th or 6th year using the BBP!

  • @amandaherrera1498
    @amandaherrera1498 4 месяца назад

    I love the streamlined changes...much more efficient!! I do wish that there was a bill tracker page again. I currently have the plastic insert, but it's just not the same. Thanks for all you do for us on our budgeting journey!

  • @MindyWermers
    @MindyWermers 4 месяца назад

    Thank you so much for posting this! I just purchased the larger workbook, but I will definitely buy this one next year.

  • @snowbujo
    @snowbujo 4 месяца назад +2

    These are great changes ❤

  • @candaceparrilla652
    @candaceparrilla652 4 месяца назад

    Omg! This new book is awesome! Miko, I have been following you for a while now. Your videos have helped me so much with my finances, but I never bought your budgeting planner book because it was just too much for me. This new planner is so much better! I will definitely pre-order on 9/16. Thank you for all you do! ❤

  • @stephaniealex1852
    @stephaniealex1852 4 месяца назад +10

    I only use youtube so thank you!

  • @yolirey71
    @yolirey71 4 месяца назад +2

    Wow.. I like that! Just got last years book, now I wish I would have waited😬

  • @katelynnpraderio4197
    @katelynnpraderio4197 4 месяца назад +1

    I’m so excited to get your bbp for next year!! I’ve been wanting to get it for 3 years now!!

  • @tania.daniel
    @tania.daniel 4 месяца назад

    This is exactly what I’ve been waiting for! I cannot wait! Thank you sm Kumiko! 💜