Imperfection and real life, yes Miko!! As with me I have not been able to get to my finances. I know in your reels on Instagram you were encouraging us to prepare early. Life just happens, and my energy has been spent trying to care for my health and my Mom's and at the end of the day I am so tired. I am sitting here just now closing out December but have to go back to finalizing savings goals and still adjusting my "why". I am also currently reading your book "My Money My Way" and am enjoying the part of the book that speaks of finding our "why" and staying disciplined. Thank you Miko!🤗

How come you don’t use a credit card for purchases like that costco to take advantage of the cash back?

My favorite savings the 100 envelope challenge but I stuff differently.

I liked the course, but felt that the content was the same that i got from your books and your videos etc. What I wanted was this Excel sheet, which was only available behind the paywall. I have been following you for years. Dug myself out of debt as a single mom and am living a life I am happy and comfortable with, so please do not think I do not value and appreciate everything you put together for this and for those who don't want to read the books and chunk it out more in depth the course is great. But for those OG of us, it's not new or groundbreaking information. Please just release the excel spreadsheet as a stand alone for those that want it and have been vocally asking for it for years.

I’m definitely going to highlight eating out great idea. I can’t even imagine not tracking my finances. I love it! Of course right now it’s hard because I’m in debt but I feel like I’m in control of my finances and thank you for the debt tracker that shows the avalanche method. I always thought of the snowball method. I feel like I can definitely get out of debt now. I’m so glad I found your channel

These videos are so helpful! 💰💜

Course sounds wonderful, do you ever do payment plans.

I love your excel/google sheets version of your workbook. Total game changer for me!

Great idea to use the calendar for eat-out days; immediate visual feedback 💚

I really struggle with tracking spending

The course is amazing! Bought it when it came out and it is wonderful and thorough and a great companion to your systems!! I never used the excel as I am pen and paper but thanks for the reminder that it is there--- I'm going to take another look!!!

I think the maintaining phase is just as important. It proves to me that I am in control of my finances and not the other way around. 💙💜💙

Please make this spreadsheet available

Wow your insurance is high. I couldn’t afford to live in WA lol. Enjoy your morning money videos. I’m working on my budget tomorrow. It’s time to pay bills.

Hi Miko. Great video and update. Have you thought about using an underwriting agency, if you're not already? They are a 3rd party broker who work with you to find the best coverage and rates. I've used one for years. Their job is to shop insurances for you. You don't pay them anything out of pocket, usually, the insurance companies do out of your premium. Just a thought.

What happened to the examples from people ? I liked those stories. I saw myself in them.

i remember this one night i was scrolling aimlessly, feeling like i had hit rock bottom. it felt like nothing i wanted was ever going to happen for me. i don’t know why, but i clicked on this link about the book Vibrations of Manifestation by Alex Lane, and something about it drew me in. the more i read, the more i felt like it was written just for me. it’s wild how much a single book can change your perspective.

a while back, i hit a point where i felt like everything was out of my control. i kept wondering why other people seemed to get what they wanted while i was stuck in the same place. then i came across this book called Vibrations of Manifestation by Alex Lane. i wasn’t expecting much, but the way it explains the connection between your energy and the life you create? it blew my mind. it’s not just a book, it’s like a blueprint for turning your life around.

i used to think manifesting was all about repeating affirmations and hoping for the best. i tried it for months and…nothing. i was so frustrated. then i heard about this book, Vibrations of Manifestation by Alex Lane, and how it breaks down the science and energy behind manifestation. it’s like it flipped a switch in my brain. once i started applying what i learned, things started falling into place like never before. worth checking out if you’re serious about manifesting.

so there was this period in my life when i kept attracting the wrong people, wrong opportunities, everything just felt…off. i couldn’t figure out why it kept happening. then one day, a friend mentioned a book called Vibrations of Manifestation by Alex Lane, saying it helped them see the patterns they didn’t even realize they had. i decided to give it a read, and wow, it opened my eyes to how much my own energy was shaping my life. seriously, this book is something else.

i remember this one time i felt completely stuck, like no matter what i did, life just wasn’t moving forward. i tried everything-manifestation journals, vision boards, all that stuff-but it felt like i was missing something. then i stumbled across this book, Vibrations of Manifestation by Alex Lane, and it hit different. it wasn’t just about manifesting; it was about understanding the energy i was putting out into the world. honestly, it changed everything. if you’re feeling stuck too, you might want to check out this book.

Since I started budgeting, I can't even imagine NOT budgeting. It's like "WHAT NO BUDGET??!?!?!?!?"

Are there any Etsy sticker shops that you or anyone else can suggest I can look up to get stickers to make my spreads with?? Part of being able to be expressive and creative with creating my paycheck budgets and months calendars is what helps me keep up and keep track with my expenses and savings!! ❤

I like to think of "boring" maintenance stuff as self care basics. By having a budget and emergency funds, you relieve yourself of the worry and stress of unexpected costs. That peace of mind is more valuable to me than a spa day; not that I don't treat myself to spa days, but everyday peace is far better than occasional treats.

❤ good evening how are you doing today ❤

FINALLY Ordered Budget By Paycheck workbook, I am hurting, need it so badly, am excited to start. Also you didn't say Good Morning Good morning, it threw me off!

I'm in the maintain phase, I agree it's boring 🥱 but it doesn't take long setting up my budget every month.

Girllll. I say all those things about budgeting. PLUS I have irregular income. My Sissy follows you & she's soo good at allocating dollars she has tried to help me multiple times. There's something in my brain that doesn't get it. you do such a good job TY

Awesome content!

I hadn't heard about our insurance going up in WA. Yuck! It's already hard enough to get insurance with a Kia Soul. 😭

Hi Miko! Do you have any advice for how to approach the month when your paycheck is smaller than what you budgeted? I felt like January was going to be a month full of progress but now all of my savings goals aren’t possible with my income changing by month in a commission + salary role where my monthly bonus fluctuates. I try to budget the minimum but I can’t afford to live on the minimum so I have a certain amount budgeted that allows me to be at a certain level with my side hustle DoorDash

I like the idea of highlighting eating out days. I have been doing a separate tracker for days where I eat breakfast, and also when I order food delivery. 🙂

I love how you addressed the inner talk we give ourselves ❤ I have the tools, the workbook, the highlighters, etc. I’m starting a fresh new year and with my hubby on board, it’s going to be great! 🎉🎉🎉

I agree with what many others have said - please please PLEASE make the excel/google sheets available outside of the course! I would absolutely buy those in a heartbeat!!!

Thank you Miko x

Hey Miko ❤

After purchasing everything required to go from digital spending to analog cash envelopes, pen and paper full on TBM method, to see that you’re more going digital with no real explanation as to why and that the only way I can follow suit is of I buy a $260 course with a spreadsheet I am feeling defeated. Feel free to delete my comment but I wanted your team to see this feedback. Looking at my planner today and cant help but feel a little grifted. I wish the spreadsheet was more accessible.

I am very happy to “maintain” right now. Thanks Miko!

Hello I’ve been following TBM since 2018. Is there any way that you can make the BBP Excel without the course for someone like me who is a long time follower? Thanks

Loved the course. I do mine in Excel so I'm sure I get my math right, then copy into my workbook. Now if I can just find that cover page for your cash savings envelopes (the one with the piggy bank on it).

I would be the first in line to buy the excel sheet standalone!

I have always used Excel for my budget, and this year I got the paper planner. I reviewed many (many many) different planners, watched countless videos, bought some cheapy download budget tracker that was not great, and agonized at least 4 months before deciding to purchase the Budget by Paycheck planner. I was using Excel, but I felt like I wasn't really seeing my progress. Then I got this, and holy smokes! I set up my January budget in December (I made copies of some of the pages so I could practice what categories to set up LOL). I have been faithfully updating daily, and I feel so good. I still use excel as well (my security blanket), and now I feel more empowered to know you use excel as well. But something about pen and paper is really satisfying! I have debt, and I want to retire in 5 years. I can really see my pathway to building my savings, paying off the debt, and enjoying the golden years. I wish I would have started 30 years ago being committed to the process, but I am now! Miko, you are a blessing, and I am so glad I found you. I am trying to convince my kids to get on board now so that they can avoid some of the crap I did and feel good with their money. I won't be rich when I retire, but I won't have debt, and I won't be eating dog food (which is almost as expensive as people food!) Keep up the fantastic work girl.

I neeeed that google slide set up!

Please, please, please make these Excel/google sheets available for purchase! 😍

Is there anyway to get the excel spreadsheet separately?

Oohhh, I haven't seen the excel or sheets version this in depth before, and I love it! Are there plans to sell just that version (without the course) in the future?

Thanks for all of the videos and encouragement! The course sounds very informative.

Love the course. I went through it all the way. Now I go through different sections as I need. Game changer 100% recommend

I’m starting my January tracking period when i get paid tomorrow! I’m so excited to start using my workbook, it feels like Christmas morning

Good to know about this course! Have a nice evening, Miko! 💚