2025 Financial Reset & January 2025 Monthly Budget

[@PenniesNotPerfection]

➡ Are you in need of a financial reset right now??? ✅ Monthly budget template: shop.penniesnotperfection.com/products/monthly-budget-spreadsheet ✅ Sinking Funds template: shop.penniesnotperfection.com/products/sinking-funds-tracker-spreadsheet-google-sheets

[@katherinespence2117]

I'm beefing up the Emergency Fund even more in 2025, increasing my 401k to 6% because the employer match went up, and trying to throw more at my Roth IRA. With the incoming administration you cannot HAVE enough CASH! 😢

[@PenniesNotPerfection]

You’re probably right about cash on hand! I’ve been increasing my business emergency fund and might consider doing it for our personal side too.

[@christinewallace9251]

It has nothing to do with the administration. You should always have emergency cash on hand.

[@FIRE_DrNinjaTurtle]

I will keep watching and cheering your family on.

[@PenniesNotPerfection]

I appreciate that so much!

[@BudgetingTheBacon]

Hi Mary, that is what I want to add into my budget (house cleaner to deep clean once per month as that will help me out and is such a treat for a home). Glad you all are feeling better now. We love the teacher gifts and we appreciate you all that provide them.

[@PenniesNotPerfection]

It’s been so nice to have! It’s soo nice to come home and the house is clean and I didn’t have to do it all. It’s been really worth it for my mental health and especially during the busy month of December. I hope you can add it and try it out!

[@FIRE_DrNinjaTurtle]

Love watching your wealth building Journey

[@PenniesNotPerfection]

Thank you!!

[@lauraadaly]

Yay! I know this is the content you wanted to move away from, but it's my favourite 😊

[@PenniesNotPerfection]

I knooow 😊 so I’m going to still do it sometimes! Just not committing to guaranteed every single month or week. Hopefully that way both sides win. 🥰

[@sandrafromscotland]

Thanks for sharing Mary. Glad you're better but sorry it's been rough. Your spreadsheet budget looks good 👍 Health sinking fund 🙌 I saw NYC too 😊

[@PenniesNotPerfection]

Yesss nyc!! Just delayed it a year to be financially responsible 😂 Things are looking up!

[@budgetandbalance]

I hear ya on the spending to make things easier! I was just working on my budget. Ouch! By the way, a simple teacher gift for Christmas is a $5 dunkin or starbucks gift card with a thoughtful note.

[@shayles6192]

Definitely need a restart but luckily the holidays didn't hit as hard. We are thinking of doing a low buy year so we can increase the savings and travel accounts.

[@PenniesNotPerfection]

Love that! I’ve watched a lot of people do a low buy year and it’s so intriguing. I’m not doing one officially but plan to buy less overall because I just want less stuff in my home.

[@jessicaleibret8772]

Hey Mary . I need to write down sinking goals like u did. Im newer at the sinking funds. But 2025 i ened up w 8k n my ally account so pretty good starting w nothing❤

[@PenniesNotPerfection]

It helps so much to write them all down and calculate how much you need per month and per paycheck! I don’t even think about them after the initial setup and then the money is there when I need it.

[@jessicaleibret8772]

@PenniesNotPerfection im doing this!!!

[@YazWhyNY]

Amazing goals! I'm in NYC!

[@41yearoldnewdriver]

I am attempting to budget on my own. I just ordered a new pair of glasses for myself.

[@PenniesNotPerfection]

Budgeting is a good start! Glasses are good too! Thanks for the reminder I need to go see my eye doctor.

[@TheImperfectReader]

Wait to buy the new house. I am on my 4th house and I am like thinking how my house #1 would be paid off now.😢

[@PenniesNotPerfection]

This house will be paid off waaaay faster than any house we buy… but it’s definitely not a forever home option. We may end up waiting a few more years but I’d also love to move tomorrow. But there hasn’t been anything for sale that really made sense yet.

[@nettebudgets]

Thanks for sharing! 💖 Will be watching your videos in 2025

[@PenniesNotPerfection]

Thanks for watching!

[@astv98]

What happened to transfer Tuesday? And I loved the actual numbers and budget😩 I’m nosey and look up to your financial strategizing

[@PenniesNotPerfection]

I did a video where I ended it after doing it for FIVE YEARS!! doing anything every week for five years is a lot. So I’ll still share videos about our numbers but just more sporadically when I feel like it instead of forcing myself to do it every week burning out and quitting this channel entirely. Thanks for watching!

[@journeytowisdomandwealth2905]

Hi ❤️ 👋🏾 Mary thnks for sharing your January 2025 Budget .. very well thought out

[@jwg9338]

As a Canadian, I am jealous of your HISA Yields (currently I'm at 2%).

[@PenniesNotPerfection]

Oh no, that’s a bummer!

[@catgodfrey6451]

Definitely working on emergency fund & Roth. 😊❤😊

[@PenniesNotPerfection]

Great goals to work on!!

[@valerieproctor517]

This is awesome! Can you do a deeper dive on your house cleaning?? I'm very interested in investing in someone helping me survive in this way. How did you decide? How did you interview? What does the $120/month get? This would be such a great help!

[@PenniesNotPerfection]

Sure! It’s new to us and we’ve only had three cleanings. We found her through a friend who was already using her and we waited until there was an opening. Because she already worked for friends we knew what to expect personality wise. For what we pay she dusts, cleans floors, bathrooms, kitchen, washes and changes sheets to make bed and then also whatever we need at the time. So some of it is laundry because we are always behind and then this month she focused on getting the space host ready because we were supposed to host family even tho that didn’t happen. She seems super flexible and willing to work on whatever we need which we are still figuring out ourselves.

[@singleparentfire2363]

January I’m planning to put 3K into investing and I have it in the budget, hoping nothing happens to stop me from achieving this 😂. I plan but I’m always flexible for when life happens.

[@PenniesNotPerfection]

Yesss love that!! I’m hoping to keep increasing what we put in investments each month. Thank you for the inspiration!

[@zcorpalpha2462]

The United States saw an 18.1% increase in homelessness this year, a dramatic rise driven mostly by a lack of affordable housing as well as devastating natural disasters and a surge of migrants in several parts of the country, federal officials said Friday. The U.S. Department of Housing and Urban Development said federally required tallies taken across the country in January found that more than 770,000 people were counted as homeless - a number that misses some people and does not include those staying with friends or family because they do not have a place of their own.

[@Vanessa5054-s7r]

I'm 55 years old with not enough set aside for retirement at this point. I have always been curious about the market and have witnessed people who played the game right and retired early. Some claimed they started very small, but their portfolio grew over time. I do have a significant amount but I’m unsure about which strategies or approach to take in order to achieve good returns. I'm open-minded and would appreciate any help or guidance

[@cgworldbesta2024]

i need a financial reset so i can get a vehicle this year

[@PenniesNotPerfection]

Definitely a good goal to work towards!

[@lisettecampbell2138]

Hi Mary. Will the budget sheet work on Excel via a PC? Not use to Google sheets.

[@PenniesNotPerfection]

Nope it’s google sheets only! I don’t use or own Excel 😬

[@lisettecampbell2138]

Thank you 😊

[@SikeChick]

Not sure about this particular spreadsheet, but there is an option in Google Sheets to save as an Excel document. I’ve done that with other Etsy spreadsheets I bought and it has usually worked. Sometimes, the formulas may not copy over correctly, so that’s something to consider.

[@lisettecampbell2138]

@ Thank you

[@PenniesNotPerfection]

That’s cool, thanks for sharing that!

[@jwg9338]

"Ya'll" 😂👍👍

[@PenniesNotPerfection]

I’m from Tennessee what can I say 😂

[@fatoumatakaira3480]

I Wanna To Start A Budget For Saving All Of My Money For My Extra Clothes/Outfit Money Extra Hair Products Money New Phones/Tablets/Laptops Money Extra Skincare Products Money Extra Jobs Money Luxury Money Shopping Money Going Out Money Bank Money New Biggest Largest House Money Payment Money Paycheck Money Car Money Emergency Money Travel Money Spa Money Salon Money Shopping Online Money Cheap And Expensive Money Makeover Money Bank Account Balance Money Work Supplies Money Full Body Treatment Money Grocery Stores Money Birthday Money Fashion Money Spa & Esthetics Money Aesthetic Clinic Money Interior Designs Money Treatment Money Business Plan Money Marketing Money Tours Money Careers Money Administration Money Management Money Organization Money Job Online Money Salary Money SOSU Money Saving Money Cash Envelope/Sink Fund Money Tax Credit Money Taxes Money Tax Season Money Breakfast Lunch And Dinner Money Fast Food Money Restaurant Money AliExpress Money Alibaba Money Walmart Money GearBest Money Amazon Money Wish Money eBay Money Target Money Etsy Money Shopee Money Joom Money Lazada Money Photographer Money Bakery/Chief Money CEO Money Entrepreneur Money Makeup Artist Money Hairstyles Artist Money Aesthetic Clinic Store Money Extra Money Payment Money Paycheck Money Income Tax Money Money Bills Taxes Money Money Check Money Account Money Balance Bank Money Budget Money Job Interview Money Days Money Weeks Money Months Money Years Money Job Application Money Finance Money Business Loans Money Stocks Money Lend Money Business Partners Money Money Account Money Balance Money Check Money Cash Job Interview Money January Money February Money March Money April Money May Money June Money July Money August Money September Money October Money November Money December Money House Bills Money Eid Mubarak Money Phone Bill Money Esthetician Money Shopify Money Aesthetic Clinic Money Cosmetologist Money Investment Money Future Money Internet Money Photography Money Restaurant Money Spa & Esthetics Money Monthly Expenses Money Insurance Money Dream Jobs Money Vacation Money Gas Money Bills Money Electricity Money Hot Water Money Insurance Money Mansion Money House Money Rent Money Home Insurance Money House Payment Money

[@mandypdx]

🤣

[@MotivationalMinute2024]

Wow - that’s some categories. Geeez. 😂😂

[@joflo63]

Whew!Quite a list😂