12 Months = 12 Savings Challenges

[@WindsweptBeauty]

I’m a single mom/massage therapist and I only work for myself. so I’ve decided in 2019 every massage I do 10% will go into my savings. I also have my accounts set up to deposit 5 dollars everyday into my savings. I’m challenging myself to put 350 to 400 a month into my savings.

[@rimurutempest3204]

Yesterday I was looking at our expenses. I have had my job for less than 2 months and already have spent over 130 just in McDonald's coffee!!! I can't imagine if I bought from Starbucks! Tomorrow buying my coffee maker bcz 130 in just coffee in 1 1/2 months is CRAZY!

[@tjandcj123]

Also if you like flavored coffee try the store brand creamers in the dairy section of your local grocery store, they cost like $2.99 for a big bottle.

[@tbfit7808]

McDonald’s coffee has been $1 for a year lol

[@PronghornPrairieFarm]

Rimuru Tempest $300 average on Starbucks over here 😑

[@juliefitzgerald-frangos2211]

Girl, you are a natural. I see big things happening for you...think dave ramsey, today show. Dream big, you have the IT factor and passion for this !!!

[@kristalmonique]

Fun and creative challenges! Looking forward to 2019

[@CrystalArkia]

This year I didn’t celebrate Christmas and I let all of my family know. Lol. I always spend way too much money for the holidays and I’m learning to stop feel pressured to do that.

[@6packjesus]

U should feel happy about giving lol

[@sc3167]

@@6packjesus there are other ways to give instead of just monetary gifts. Especially if you can't really afford it or if you have a higher priority that you are trying to save for.

[@r.w.3897]

Sha C- That’s right! Besides, the best gift has already been given!!! Focus on the true meaning of the season!

[@sc3167]

@@r.w.3897 Amen, HE is the reason for the season!

[@fabiola925]

🤷🏽‍♀️Shows up a 🤔year later 😅to do this for 2020👀😂😂😂

[@RocoNGizmo]

Just saw this today 😂

[@KfolksMs]

Saw it today too👀

[@pixfan2008]

Shows up 2 years later...lol...trying to find which video to start with.

[@ganaloveyoun.k2557]

La même chose pour moi lol ont va adapter et en choisir quelques uns 💋😉

[@aneyapitts9350]

🤣🤣 2021

[@amandahume10]

Just stumbled upon your channel.. I’ve started the cash envelope system about 3 months ago and have already saved so much money and helped my budget SO much. I’ve managed to get about 1 month ahead on all my categories. This year I’m working towards saving and paying off the rest of my credit card debt. Loving your videos!! Thanks for sharing your story!

[@plants4thewin]

The Feb one is hilarious. You wanna eat out? NO! Her tone is awesome. She’s so right about hidden dollars. I could do better with groceries. I will try the pantry freezer challenges.

[@samanthahardy9903]

Fantastic ideas. It's like Flylady but for saving instead of cleaning!

[@brendamhlongo2776]

I have never been so excited about a savings challenge. Im totally in.

[@kAyshAwAcAnsing]

I know for a fact those weekly eyelash refills are a pain for the pockets! They look amazing though !

[@jenniferpalmer9713]

She budgets for her eyelashes, that's what some of the money in her beauty envelope is for.

[@TheChocolatedrp]

So ready for this! It’s something about you and your methods that gets me so pumped and ready to tackle debt and savings. Thank you so much!

[@Kenyamonique4]

Yesss I'm in let's save some money 💲💰

[@Jeannine241]

Fellow Spokanite here! I found you through the Spokane tag on IG and WOW you are INSPIRING! ✨ My biggest budget downfall is definitely how much and how often we spend at the grocery store

[@lifeinthemo2372]

I haven’t bought coffee in years. Either make it at home or get the free one from work (although sometimes the work one is yuk-lol). It’s free.

[@LGnLA]

😁😁😁😁💯 I hate when I don't make my own coffee & have to drink the work stuff! 😝😝😝

[@jessicam5629]

I just found this channel. I haven't even watched the entire video but... I'M IN AND SUBSCRIBED!!!! Love the energy and positive attitude.

[@cyndispindler4928]

I am so happy I found your channel. I am getting so motivated watching you. I am determined to make 2019 my year to get my finances in order

[@sexxiiigirls00]

Cyndi Spindler same here

[@foopetlove109512]

I found your channel last night and you are so inspiring! You are also very relatable. I have always been a paycheck budgeter because the monthly budget just never make sense! This savings plan is F’ing gold! I’m going to implement some of these and also create some of my own. Now I’m heading over to your IG to binge that content as well 😂

[@truegritrn7583]

I just found your channel!!! I LOVE it All!!! I will be doing the 12 month savings challenge with you!! I’m so excited! Thank you for the inspiration!

[@guessowii]

how'd it go

[@alejandrav5790]

Totally off topic, but your eyelashes! So pretty!

[@atleastshesaves4452]

I’m excited!! I’m in!! I think for October I’m going to switch it from coffee to “make my own snacks” I don’t drink coffee. I love snacks!! I think I’m going to make as much homemade snacks as I can.

[@metapixusion]

Yeah im not a coffee drinker either but for October im going to find something i indulge in and make it at home lol

[@atleastshesaves4452]

metapixusion yea I was thinking making homemade potato chips. I eat a bag a week probabilities lol at like $3 a bag. I also want to make homemade nutrigrain bars. I really like those. Basically snacks/ convenience foods. So I have a lot of recipes to try before oct lol. This is gonna be fun!!!

[@donnaleeclubb119]

@@atleastshesaves4452 oh yes. Being cheap is fun.....not. LOL. It is a necessity.

[@donnagalvan1047]

I have a holiday fund and a Christmas fund envelope for the reason is I dont want to use my Christmas fund money to go see lights, to buy Christmas lights, decorations , or do Christmas actives with my Christmas fund that is only for gifts, I don’t want to take away from gift money, that is why I have a holiday fund, which includes Valentine’s Day, Easter, 4 th If July, Halloween, Thanksgiving and Christmas! I use this for any thing that is needed for that holiday, for instance I use my holiday fund to buy Halloween costumes, candy, decorations, etc for Thanks giving I by food if I do a dish to pass or anything like that! 2different funds is what I have, that’s how I save! I have a gifts and graduation fund for weddings, birthdays, baby showers, anniversaries, etc and if any one is graduating in the family . I keep everything separate . I have a envelope for Family fun includes, picnic, parades, pot lucks if It is for a cook out! Picnics I use it for raffle tickets and anything like that! Fairs, water parks are all includes in that ! I don’t like taking money out of holiday fund or anything like that! Rainy day fund, vacation, travel fund is different then vacation, I use travel fund if we are driving , that is for gas, hotel, site seeing if you have to pay to get in some where, for silvinours , a snacks or eating at a restaurant! Etc! My vacation is if I’m flying, it is for tickets, place to stay groceries, entertainment fees to go places, silverniours etc! To do things ! School fund, pet fund car repair fund, house fund, household fund, I use to buy paper towels toilet paper etc I don’t use grocery money for that because I don’t want to cheat my family out of food! This is how I save on everything!

[@popbre3]

I never have enough food in my freezer or pantry to do no shopping for a month or even a week.

[@edithmolina9526]

So happy you have you tube channel!! I been following you in Instagram for a while and it’s been a BIG help

[@Elizabeth-uj8vn]

I’m so glad I found your channel Miko! I feel I have someone next to me guiding my hands and teaching me. So thank you 🙏🏼. God bless.

[@aunniefannie27]

Stumbled across your channel and I'm hooked. Love your videos ! I'm definetly doing this 12 month challange!

[@MsLee-oh7hy]

12 month savings challenge. 11 th month Freezer/Pantry Challenge -- Other savings challenges 1.Pack a lunch January 2.No eating out February 3.20$ Friday each week 4. 10$ cash envelope challenge 5.The freezer/pantry May 6. 2$ a day in June 7 Generic July 8. Sell 2 items in August 9. Decrease your bills -Analyzing your expenses-reduce them 10. Make coffee at home for 1 month 11.No spend November- Have no spend days (my favorite tip) 12.Make a list December

[@deeannb3735]

Thank you 😊

[@TruthSeeker09825]

Oh em gee. I am so in. I love every single challenge. I even got my two sisters to join in the challenge. Let's do this!!

[@tephanieburnett378]

I love your approach; you made the challenges clear, productive, and FUN!

[@donnaleeclubb119]

One thing I started doing was going grocery shopping once and only once (with a budget). If I go to another store shopping during that week interim, I put a dollar in a jar.

[@RuthSolomon9]

This is my favorite TBM video!! Love the challenges!

[@sha_la007]

I want to join the 2019 challenge! This is GREAT!!!

[@KittForReal]

💡I like this. It makes managing your money an experience rather than a chore.

[@jbs2cents596]

Excited about these challenges!

[@Practice_Kindness-1st]

A major THUMBS UP to this video! LOVE this easy to attain challenge! I'm forwarding this to my sister. Great video!

[@Practice_Kindness-1st]

@@thebudgetmom Am I seeing this correctly? You only have 4 videos total posted on your channel?! I want more!

[@wendystewart1185]

I love these challenges. I am setting up my 2019 plan and I will be incorporating these challenges as well.

[@FAROMEL67]

Love your ideas and stamina 💪😎 you got a new SUBSCRIBER HERE !!

[@madnessofmymind]

I just want to share that some people, who may be on specific dietary restrictions, may not be able to participate in the "no" brand challenge. While one brand includes things the person cannot have, another brand will exclude those. Anyone who may have these issues, will need to continue with their brand. But I'm sure in other areas they can still find ways to change out their brand. I have heard horror stories about Aldi TP though. Don't do it! LOL This is just a reminder for anyone who might get stuck on the idea that they have to do/try this "no brand" challenge, but then feel guilty perhaps b/c they have to have a certain brand due to the ingredients. It's ok to stay with that brand. Again, find other areas in life that you can try out different brands. :) I generally like most of the ideas from this and plan to use some myself. Can't wait to see how it goes!

[@visitor3756]

madnessofmymind I tried one brand of the Aldi TP but found out it was comparable to Scott's. Which I don't like but know people who do. I found out it does come from the same factory My spouse is in transportation and found out. I've yet to try the other version but plan on it. I am not a brand snob. I do get mine from Sams club brand and have been happy with it.

[@KimFincher]

If u need brand names learn couponing

[@thelittleredhen55]

I think I can implement some of these ! For the ones I can’t I am gonna try to double up another one

[@reneelee3713]

I just found your channel the day after Christmas. I am so excited to begin the new year following your plan. Thanks for sharing.

[@yourtime4meditation603]

I like the idea of monthly saving challenges. It makes you think of even more creative challenges. I like the video.

[@denisealmaraz486]

I'm totally gonna try the freezer and pantry challenge!!

[@iriscolon1574]

Hi, Where you get the binder? I love the color.

[@sarahwilson7503]

These are awesome. So excited for these challenges

[@MARIARODRIGUEZ-xb5cb]

WHAT AN AWSOME CHALLEGE!! LOVE THIS!!💕💕💕💕💕💕

[@kerishacindy8606]

Love these challenges. I am definitely going to participate 😊

[@chriss4514]

Well damn! Wish I would have seen this 8 months ago. I love this idea. Going to start my year with the Aug challenge 😊😊

[@pratibhaalvares2371]

Wow , thanks for inspirations, will be following you, great

[@fatbrokebored5795]

These challenges are awesome! And they are so doable!

[@missheeyah]

Hi Miko, I am so looking forward to this challenge! 2019 will be a great year! :D Thank you for your kindness and generosity! I've learned so much from you and will continue to support you and learn even more from you! I've downloaded, cut and taped together the cash envelopes for these challenges! ♡

[@missheeyah]

@@thebudgetmom You're welcome! I'm so excited and motivated to come up with more opportunities to save cash! ♡♡♡

[@TheAverageLifeCassandraA]

Looking forward to this! Thank you for the wonderful challengs

[@thelissoway6758]

Im doing no spend january and its awesome! Im really enjoying it and love the challenge

[@jennifermartin6296]

The 117 dislikes are the people that have no desire to save $$$

[@mariettadram806]

I love this idea. So smart :) Thank you for sharing.

[@josephinewanjohi7870]

Am so doing this. Thank you looking forward to it

[@sandrastone9307]

This is fun and very rewarding challenge at the end of the 12 months.

[@lovealwaysjasmine]

January- Pack a lunch February- no eating out for 20 days March- $20 Friday’s April- $10 cash from each envelope May- use what you have in your freezer & pantry June- $2 a day July- Use generic brands August- sell 2 items September- decrease your bills October- make your own coffee November- no spend days on Monday’s and Wednesday’s December- make a list for the holidays

[@becca99004]

Super creative! Props to you and I just subscribed :)

[@homemakingwithdenise]

You certainly have some great ideas. I'm trying a No-Spend January. So far, I managed to do that. I'll put some thought into your challenges.

[@TheTILAGO]

this video is sooooo creative!! It almost makes saving seem fun lol. I've been struggling to save for years sooo thank you so much for these ideas!!

[@FAROMEL67]

I am planning MEATLESS MONDAYS and WACKY WEDNESDAYS to save some $ on 2019 also this year I will complete my BS2 sooo excited

[@thelissoway6758]

Whats wacky wednesdays?

[@FAROMEL67]

@@thelissoway6758 breakfast for dinner...my kids LOVE IT and my wallet too

[@valerieee3p]

We have done Meatless Mondays for almost 2 years a few lapses here and there but we totally saw a difference in our groceries budget. 😊

[@damaniwilson]

lol. Awesome. FYI images appear backwards in mirrors (because of reflection), not video!

[@sunshinebeauty2865]

I am so excited for these challenges. I already at least 3 of these and look forward to getting started!! :)

[@windiejade]

So excited for these challenges 🤗🤗

[@kellyknight551]

Wow not on a tight budget but these are some great ideas to help us save more money i like the challenges!

[@gingerspath3565]

You’re an inspiration...I’m soaking up the contents from your videos. I’m going to try your challenge.

[@priskafraulein728]

i'm in for sure!!!!!!! definitelly will write this down on my 2019's journal ♥️♥️♥️ new sub, xoxo!

[@damattice23]

You are the best. Thank you for these ideas.

[@lifeinthemo2372]

OMG, how have I not heard of you before?!?!?! You are awesome. I love your videos. You actually spend the time to walk through everything (not a lot of others do that) and it’s simple/plain and understandable... thank you! I’m a huge fan and loyal follower from now on...looking forward to following you’re style.

[@Shantefromda901]

Thank you for this video!!!! Helpful to me!!!

[@debtsuckzcanada5081]

Great idea. I may have tweak some things here and there to fit my budget, but I am in!

[@plannercraving]

I am so excited for savings this year!! Thanks for the video

[@naturalbeautyj8856]

I am hoping to be able to participate in each challenge each month

[@dixiegirl999]

I just found your channel & I am willing to join your challenge. I see that you had/are following the Dave Ramsey Plan. I still have 2 debts left to pay off & saving money too at the same time due to old dogs, old vehicles, etc.

[@emilyorlando3103]

I am excited for this challenge. They are little actions we can do in order to improve our budgets. I drink tea and my goal for 2019 is to steer clear of Starbucks (unless I have a gift card). Thank you!!

[@emilyorlando3103]

@@laqwannafranklin-caines4273 this is exactly what I am doing. I just have 3 Starbucks at the university where I work so I just have to not walk by them on the way to my office.

[@emilyorlando3103]

@@laqwannafranklin-caines4273 ooo thats a great suggestion. I just stocked up but I will keep this in mind for when I am all out in a couple months!!

[@mariama1157]

Wow. We’ll do that and follow your journey on 2019.

[@donnaleeclubb119]

Eating from "what you have on hand" is deceptive. At one time.or another you had to buy more than you needed therefore wasting money at that time that you took advantage of when you did not grocery shop. It sort of worked out the same. You just spent the money for those unneeded groceries earlier and used those groceries later instead of at purchase.

[@dailyventura506]

My goal for 2019 is to save enough to buy our own home . Our aprt lease is due in December so let the budgeting begin !! I surely do NOT want to renew my lease

[@justdreaming3869]

Wow wow wow!!! Yes!!!! I love all these ideas! How fun!! I need creative ways to save money and these sound perfect. Great video!!!

[@anaveragemuppet]

It’s so lovely to hear you have a cash envelope for your Guinea pig, I’ve got two and they’re a big part of our family

[@LGnLA]

Adding as FAV to rewatch/prep my new year on Dec 1, 2019... great tips, tfs!!!💯💯💯💯😉

[@sapnas1970]

Hello I'm from the uk and have recently started watching you and you have given me lots of ideas. I was wondering if you were doing the same challenge for 2020? I wi be starting the cash envelope system based on our monetary system. Thank you. Keep up with the videos. Love them x

[@reenm.11]

I like you,amaizing energy...amaizing budgeting ideas.

[@Swifftylady17]

Just found you via this video. I am more intentional about saving now that I have gotten rid of some debts.

[@CrystalArkia]

You just helped make saving so much fun!! Very creative! Thank you! I’ve been saving and you just reminded me to go home and eat all of the food I’ve been ignoring vs. going to buy more. Lol

[@jennibean71]

LifeAsKia ryes! That was my favorite challenge! I can save my whole grocery envelope one month just by utilizing what I already have.

[@floppybob1121]

I love this!! Im on board😀😀😀😀😀😀😀

[@aliciamclaws3339]

I love this so much!!! Definitely participating in January’s challenge! I work at an elementary school and it’s so easy to just pick up lunch there. And it’s not terribly expensive, but it adds up FAST at $4 a day, 5 days a week!

[@allisonarcher1877]

Is there a place to buy this 12 months savings calendar and envelopes?

[@thereaderbug398]

You are so well spoken and your delivery is great! Loved this video. :) You had me until you got to the Keurig! Those things are a huge waste of money and create so much waste! We use a standard drip pot and it's much more cost efficient.

[@michellewalters4807]

thereaderbug you can buy a reusable cup that you put regular ground coffee in

[@budgetrebelgoals]

I'm joining you,so far I didn't eat out for 15 days this month, 5 more to go! tfs!

[@monsesantiago7136]

Thanks budget mom for the great video! Im a new subscriber Where would the saved money go to at the end?

[@ericam1872]

Thanks for posting this, you are helping me a lot ❤️

[@PrettyRyanTravels]

oh im really digging march's challenge. im signing up!

[@rachealhenry5540]

Love this idea!

[@bv3282]

OMG !!! I love this video, so clear and bright, and i like how u explain everything I’m ur new subscriber !!!!

[@aleciariddick7719]

Where did you get those pretty cash envelopes? I got to have them.

[@ronaliveshere7422]

Neat ideas I think I’ll try it.

[@liveyourbestlife143]

Every 3 months I do the freezer and pantry challenge . That way food does not get forgot and go bad. With the money I save on those months we put into our vacation fund.

[@ariannaaguilar1860]

Thank u for the information .. I will try it

[@beverley7189]

Very helpful and inspiring! I’m going to participate with a few tweaks. Thanks for sharing 💕