BBP Real Life Budget | Husband & Wife + No Kids + Budget Tips

It's time for another Real Life Budget. We asked my readers to submit their REAL information. Real spending, real debt, and real savings goals.
I am taking those real life numbers and showing you how I would organize and budget that information using my Budget By Paycheck® Method.
In this video, I will be showing the real numbers of husband & wife, Jasmine & Matt. With no kids, their budget looks a little different from what I have shown in the past, with a very interesting grocery budget.
➡️ HOW I TRACK MY SPENDING: bit.ly/3aIe89I
➡️ HOW TO USE A BUDGET CALENDAR: bit.ly/2IzF2Vj
➡️ FINDING YOUR WHY: bit.ly/3aJUryj
➡️ THE BUDGET MOM'S FINANCIAL FREEDOM STEPS: bit.ly/3cfJXsp
➡️ HOW TO GET STARTED WITH THE CASH ENVELOPE METHOD: bit.ly/2vQJaO5
➡️ HOW TO CREATE A PLAN OF ATTACK TO PAY OFF DEBT: bit.ly/2wDETxF
ABOUT ME
I'm the blogger behind www.thebudgetmom.com
. I have a rambunctious 6-year-old son, live in Washington, and I'm passionate about helping people with money management and personal finance. Let me know what you like to learn more about! Leave me comments and suggestions on my video and let me know!
YOU CAN FIND ME AT:
📝 BLOG: www.thebudgetmom.com
📘 FACEBOOK: / thebudgetmom
📸 INSTAGRAM: / thebudgetmom
📌 PINTEREST: / thebudgetmom
GET STARTED
➡️Start Here: www.thebudgetmom.com/start-here/
➡️Free Email Course: bit.ly/2UYgNFf
➡️Free Resources: bit.ly/2PDmTHz
➡️GET 10% OFF my popular Budget-by-Paycheck Workbook - Coupon Code TBMKZbin bit.ly/2CR7U9n

[@KarinaAlvarado011313]

I really hope miko does like a 3 month ir 6 month check in with everyone’s just to see how they did I would love to see a video like that! ☺️

[@janeybache3050]

She listened to your idea! Good shout 😀

[@coral-annbirnie4159]

I completely agree that even though you’re paying debt you can still budget for holidays and luxury expenses. However if I had that much debt I wouldn’t be going on a £10,000 trip. I’d be going on a £2/3000 trip.

[@alexlewis8143]

That's why they have debt

[@orenharari]

@@alexlewis8143 lol

[@circejanuary]

Especially in Greece that is so much money.

[@AnonymousAnonymous-yw4si]

@@circejanuary I agree with you that that is a lot of money but if someone has a goal and that’s what they love to do and they’re going to want to pay cash for it then there should be no issue that their mindset can change on how their life is and it isn’t always going to be running back to debt. 👌💯

[@circejanuary]

@@AnonymousAnonymous-yw4si 10k I'm European that know the prices here it's too much money for Greece (one of the poorest countries in Europe. 10k for Paris/ London that could be OKish It's like saying I am going to pay 1 million for a television, it's not a correct price for a TV. Whoever she is booking with is taking the piss.

[@Amanda-hq9of]

my husband and i have “allowances” as well and i think having money individually that you don’t have to justify or explain is important to keep the fight out of money. but we also have groceries, gas, eating out, pet etc. it’s gotta come from somewhere!

[@brinnyxcore]

I have a question. The reader mentioned that they saved for the wedding and honeymoon and were able to pay for those in cash but ended up racking up $5k in debt on their honeymoon. I'm assuming that means they did not save enough/account for expenses while on the trip. Is that $10k for Greece going to cover those variable expenses while she's there? If not, she may want to save a little extra, which seems totally doable, before going to avoid adding more debt. Thoughts?

[@JustineCarissa]

I remember living in Nebraska and it is possible to pay that much for groceries. Nebraska is an agriculture state. Glad to see someone from my state!

[@Pointschaser1]

I normally agree with everything you say, but it seems counterproductive to be saving for Greece instead of paying 25% interest on a credit card payment. Trips are cool, but they can not afford the trip, especially when it’s almost 25% of their yearly take home income. Maybe do a smaller trip instead since like you said life is short. I think they’d be most motivated to save for the trip and work overtime if they pay off cc’s then save for the trip.

[@makeupviews]

I agree especially with pandemic global crises. I love travel but is not a priority right now. I had already met my travel goal for the year but will use for anything else in a heart beat if needed.

[@Marb6]

Everyone has their own priorities in life and not everyone wants to be gazelle intense with paying off debt. I don't think saving for that trip is burdensome. They have a whole year to save $7k which comes out to $582/month. With bonuses and over time they have enough room in the budget for it. I think as long as they're not going further into debt they should do it.

[@MMyers-mh4jq]

As of right now US citizens can’t get into Europe.. so they’ve got time

[@Pointschaser1]

Maria Miranda I hear what you are saying! I just think if they concentrate and pay off that first cc think of all that interest they’d save plus the extra payment money. They already have 3k saved and they can use that money and get one of the cc paid off in a month or 2! Then one less payment plus it would save them hundreds in interest! I hate paying interest if I don’t have to! 🤣

[@kittjohnson5548]

@@Pointschaser1 She also said if they follow the budget they will have enough money for their trip and pay off the 2 hightest CC before they leave.

[@SunshineSM877]

Wow this was so clear and easy to understand. When their combined paycheck and their monthly expenses were shown at First, it was overwhelming... But then when you budgeted every category paycheck to paycheck, it felt so much easier. This made me think that maybe most of the time, not knowing how to budget is what makes us actually get into more debt.

[@jchansen222]

Wow Kumiko! The video was awesome.. Thank you for answering all of my questions and helping me make sense of all my numbers!!!

[@mollproff27]

Jasmine Hansen curious how you pay for things such as gas, household supplies, etc.? Does it all come out of your allowance?

[@jchansen222]

Yes Matt uses his spending money for gas and household supplies. I use mine for our cats and going out. We also get a Costco haul from my in laws as part of Christmas with paper, cleaning, and hygiene items and it carries us for most of the year.

[@judithbuchanan9566]

Jasmine.... I pray you & Matt get to go to Greece next year! All the best😊

[@Snapwhiz]

Jasmine H what a great gift idea! Best wishes to you and your husband. Enjoy your travels!!!

[@jchansen222]

@@sid2045 no sorry I don't have a KZbin channel 🤔 I just check my fridge and use anything that might expire to plan next week's meals around that. I only buy what I need to get through the week and do grocery pickup. If I'm under my $40 budget I check sales for staple items like canned food, butter, or flour. If I'm over $40 I cut out things and change one of meals to something simpler. I never let food waste so if I make a big batch of something we portion and freeze the leftovers!

[@sonyascreationsalifestylec1739]

I am hard core...I would have told them that they have no business planning a big trip until they at the very least pay off honeymoon

[@happybudgeter]

I tend to agree. I know personal finance is personal, but a huge expensive trip with credit card debt with high interest seems detrimental to their financial health.

[@chelseaalmost_]

Definitely agree, I was shocked they were planning an extravagant trip before being closer to being debt free. I'm not saying you can't take trips while paying off debt, but debt should be the priority, so your travel savings monthly should not be more than your debt repayment imo

[@ezmath1236]

Based on the numbers, they can knockout the debts first then save for the Trip. Great video! 😘

[@veronikaaudet3339]

I agree! They can get motivated to make more money to pay for the trip and pay for the debt!!

[@christinaciu]

I agree. Why would they pay high interest credit cards while just stashing money for vacation. They actually can pay off credit cards first and save for Greece, all before next July. Miko first said don’t budget the bonus & overtime , but then said they can use all the extras to pay off debt. I think it should be the reverse. Their housing & food are so low that they should throw everything to credit cards. They’ll be motivated to work overtime or get bonus to use for travels.

[@MelissaGGGG]

This is my fave segment of Budget Mom! very informative :)

[@Olivia-bt9hs]

I agree with you that life is short. Especially since this couple isn't in massive CC debt and they seem so have control of their spending. Now if someone was $40,000 in CC debt and had student loans, I do think that paying debt should be a priority. However I definitely think an emergency fund of at least 3 months should be saved first before a large international vacation. But to be honest, at this rate with COVID, I think this couple is going to have some extra time to save for the Greece trip!

[@juliesummerfield9784]

I am always surprised at how few sinking funds there are. No auto maintenance (saving for tires and oil changes), no clothing budget item for one of the budgets with 6 kids, no savings for medical/dental, nothing for realistic misc expenses. I know these are just snapshots of different budgets, but I think not saving at least something for realistic true expenses will make the budgeters feel like failures or still going into debt. Obviously this awesome budgeting process will hopefully bring that needed awareness but I wish it were mentioned more that there might be gaps.

[@nitaprice5332]

This was a very good video. I believe the same “life is short”...if we spend all our time and resources on trying to repair our past, we will miss out on a lot of laughs with family and friends. I like your approach on assigning every dollar a name. It is so easy to spend money that is not going to a purpose. Thank you Miko.

[@pollydolly9723]

This was really helpful, thank you. And thank you to the reader who submitted it. It is so nice to see a couple working together!

[@califlorican]

I guess my question for them would be- does the trip need to cost $10,000? They could go for fewer days or lower their daily spending while there. Or stay at a cheaper hotel/accommodation. $10,000 seems like a ton for just one trip...assuming it’s a few weeks and not 1+ month long trip.

[@annevanacker4044]

I don't necessarily have a problem with saving for a goal while paying off debt (those of us with mortgages do that all the time). However, they don't have nearly enough in their Emergency Fund-2000?! That doesn't even cover one month of expenses! It's not even enough to cover a major home repair, should they need one. They should have that built up to 6-8 months before saving for a trip. And what about retirement savings? Those weren't mentioned at all. Bottom line is that they truly cannot afford this trip-I totally understand about life being short and having great family memories. But with the basic financial security elements for their future missing, I feel that this budget is irresponsible.

[@yojs17_]

I agree, they need more savings. But Miko says, save whatever helps you sleep at night. So if they can sleep with $2000 emergency and then spend $10,000 on a vacation, then that works for them.

[@crystalgale15]

I guess this is where individuality and priority comes in. Every person is different. There are people who even feels okay and happy with just $1000 until they paid off all their debt. And i think since they don't have kids, this couple don't have the urge to save up that much. We will never know. 😊

[@joannwagner4940]

If they do what Miko recommends in only 1 year time their credit card debt is gone and they will have 13K saved. They have 2K plus 3K already and are budgeting $100 a month $1.5K going into savings then debt.. That doesn't touch their bonus and overtime money.. If they want to go on vacation next year being basically debt free and money in the bank I think that is very responsible.

[@annevanacker4044]

@@joannwagner4940 assuming that over 1 year everything goes perfectly- no job loss (a potential issue during the pandemic), neither of them gets seriously ill and can't work, and they incur no major expenses due to accidents or other causes. They are missing out on years of compounding on retirement savings to go on a vacation. So, no, I don't think that's responsible because with this plan, they have a nice monthly budget, but they are focused too much on living in the moment while ignoring the future. Just my opinion, I am pretty conservative when it comes to personal finance.

[@brinnyxcore]

We have to remember we are only seeing the surface. In my paycheck budget, I don't show any retirement. That's because it is automatically taken out by my employer so it's technically not part of my income. That could easily be the case with this couple as I feel like it may be the case with many? I guess I could be wrong.

[@StephanieZander]

I love these real budget videos! It's so nice seeing different budgets and what people should do in their unique situations.

[@patsycathcart1]

I love you and your ability to look at the big picture while planning finances that don’t “fit” into prescribed patterns. Life is short and must be enjoyed. A person who can meet a savings goal for a vacation will be incentivized to save for paying down debt. Great advise. Keep em coming!

[@MelissaGGGG]

I'm re-watching this video to refresh my memory before watching the update video posted today. So excited!!

[@katquiroga]

"Life is too short" i swear Miko i come here for fun and learning and i get a heart to heart.

[@natasha1997]

I couldn't imagine putting 10k to a trip instead of debt. What if 2019 happened to them all over again? They need a bigger emergency fund and to pay debt harder imo because THEY ALREADY had emergency expenses that came up putting them 20k further in the hole 🙃

[@prisnelisurban1652]

This video really helped me understand tackling the debt, savings goals and variable expenses all in one ! 😊👍

[@mzjennx]

Sounds like my situation... I’m doing all 3: pay debt, save for fun and save for the future! Love these series

[@maureenpluthero8543]

They should hold off on the trip and pay off the debt first.

[@AnonymousAnonymous-yw4si]

I have seen almost everybody has been talking just about a trip and people are entitled with their own choices in life to do whatever makes him happy nobody else should dictate or judge someone else’s life if their life is not 100% perfect so you have no room to tell someone to do something if you have an already done it yourself

[@Rileymac]

Yay! Thank you for posting! I always look forward to your videos ❤️

[@tspacefullstop4161]

I am so grateful that you re-iterate that point of what matters to you. I have been saving for Christmas and a trip away with my son and I keep thinking ..what about the car you want or saving for other things. Doubt and struggle does not equal joy. Coming from bankruptcy ...I didn't want the harshness of that experience to follow me through my financial journey. I can say after only starting with the TBM method in January...its best decision I've ever made and I cannot wait to go away with my son ..feeling confident that I saved for this moment.

[@mikaela7830]

New subscriber here! Your tips are super helpful and I just wanted to say thank you for captioning your videos!

[@elisaashcraft-armstrong2198]

I absolutely love the real life budget videos. Your Awesome!! Keep up the good work!!

[@TJ-fi7cb]

Great video! But, $10,000 for a trip to Greece? That seems a little high. I went to Rome about a year and a half ago for $1,300 (included hotel and airfare) for 7 days. Yes, spending money was separate, but the total was nowhere close to 10K.

[@jenr4573]

They may be traveling to different areas of Greece

[@michellep1529]

It is so much fun helping others budget!!

[@Love.Yourself.1976]

I love the details.... Why How HowMuch .... So important

[@marcoinvesting5339]

Great inspiration for me and my next video on saving tips :)

[@amypetterson4181]

We are on separate pay schedules so this is really helpful. It helps seeing it broken down

[@brandysherrill662]

After losing everything n almost our lives to a tornado what you said in the end hit me hard. I teared up. I've used every dime n every moment since stressed over bills n restarting life. U are absolutely amazing

[@bruce5895]

Tip # 4 for saving your money, always look at the ads and shop around for the best price before buying anything.

[@sagesnippets101]

Really enjoyed this video. Thank you.

[@helen4997]

loved it thanks for sharing

[@bekajb]

Good job giving them something to look forward to while still paying off debt!

[@leighpeters3728]

Wow, we could all learn from that approach to grocery budget! Also for some reason I got like a million ads this time, literally about 5 breaks..

[@Nicholergz]

Your home is beautiful , thank you for all the useful content

[@steph15hudgins]

I love these videos!!!!!!!! Awesome idea

[@crystalgale15]

I have been following your method for a year now but this video explained to me why it is important to do it every single paycheck because we get paid biweekly as well. I tended to do my budgeting monthly since all our expenses is split between me and my hubby anyway. Maybe that's why i can't get ahead on our bills anymore after i stumbled in the last couple months due to covid. Thank you for this video! 😊

[@rebeccaprice4851]

I’m still trying to figure out why not budget weekly if they get paid weekly. That’s what I’m currently doing and am trying to understand if I need to change it.

[@FitilagiFaanunu-fr1vw]

Your videos are very helpful thank you

[@nancynewman6592]

I see that nothing is planned for health care or a dentist. Also is their 1 time haul of protein, and their big garden coming out of the food budget? And when laid off work, a 1 month emergency savings does not really take care of much. I don't see a car repair or maintenance fund. As well, in my case, I might feel nervous about the debt vs Greece savings, and would feel better using this very budget, but in a different order. Pay of fthe planned amount for the debt first, then start the savings for Greece. Same money but different order so that the fun challenge is Greece, after the already acknowledged dreary saving for debt. Love seeing these videos as it triggers questions for my own layout, and things I may have left out for myself :)

[@lindawoodfill503]

Thanks for the information yes it’s helpful .

[@joannwagner4940]

I am glad that you are shooting from home again. You are more at ease and natural.

[@thebudgetmom]

Yes :-) I have been shooting from home for a quite a few months now and love it! :-)

[@hollandfeetz]

Thank you for this video because it was so super helpful with how you broke down the paychecks. My partner and I both have full time jobs (that are not going anywhere due to the pandemic - since that seems to be a heavy topic in the comments) and I get paid on the 15th and last day of the month but he gets paid every other Friday. I was just not getting the budget to work. We spend waaaayyyyy too much on food and have a ton of debt but we are chipping away at it and now I will be able to get our checks in order so that they are used for what they need to be used for!

[@edithcruz5238]

Thank you for sharing

[@liululu8214]

Make perfect sense. 👍

[@kaylap5172]

Hi Kumiko! I love your videos and recently received the Planner! When will we be able to order the Budget Workbook?? I can’t wait!

[@babydoll33012]

Love your house!!!!

[@daniellearoy]

I would’ve liked to see if they already had an account cushion and if not a portion going towards that.

[@thebudgetmom]

Yes, they had a 1,000 cushion :-)

[@natalieorellana4763]

Thank you so much for this video! It was something I've never seen before. I noticed you didn't include decimals for $ amount. How do you go about rounding?

[@mariacastillo3090]

Hi Miko. So excited when I saw the title of this video. How can I have you help me and my husband budget. I experience a lot of anxiety when I start to gather all my information. I need help please!!!

[@alicegori2322]

Thank you for your activity and for sharing with us your awareness about budget! I'd like to ask you something: what is the best way to budget if I am paid once a month or if I work as a freelancer? Thank you!

[@patriciapification]

So helpful

[@kaitrates]

I wish you could see my face as you were talking about their grocery budget!!!! But good for them!

[@raincitywoman]

🙄

[@mgarteaga03]

Can you provide a sample budget for newly engaged but paying off debt while incorporating child support.

[@victoriag4849]

the couple are paying a mortgage and let me say your fanastic at budgeting tamika, i own my hse. sometimes the unexpected happens, and/or god forbid a accident of some kind or a car breakdown.

[@mariejones4981]

Hi Miko. I love the idea of the budget by paycheck and I really like these real people videos. I however like most people have more bills then money. So I am having trouble figuring out where to start. Can you do a video for that?

[@thebudgetmom]

Have you taken my free email course? It's where I would definitely start :-) It has a ton of freebies and clear action steps >> thebudgetmom.com/start-here

[@jadiecakes3241]

Yes save for the trip!! BUT I would also say to consolidate that debt (even just the 2 cc) or move to a 0% credit card to pay them off quicker. I have travelled while paying a personal loan and its never been an issue, and I wouldnt give up those experiences for anything,

[@greetaandme]

I would love to see where they are at in December 👍🏻

[@BestKeptPlans]

Do you have any budget examples for a single person saving for a home?

[@amandaramsay5934]

Budgeting with the lowest potential in come really helps. Get all of the basics and financial goals covered, and then plan the bonus or overtime money a home.

[@Faithfulxplans]

I don’t get how they’re saving almost a quarter of their yearly budget for a trip when they don’t even have enough in their emergency fund to cover even a month of BILLS that’s not even including groceries!! It baffles me where people’s priorities lay. But if it works for them 🤷🏻‍♀️

[@mumilaide8477]

Miko, how can I submit one of these to you?? I would really like some help on my financial goals.

[@martavillanueva1062]

Not related to Jasmin, but my experience has been that vacations are more relaxing when you have less/no debt. What insurances/financial products could they consider adding(term life insurance/mutual funds on the monthly/personal pension building).

[@marissaanne3749]

Kumiko I’m really struggling with how to close out my months when I get paid every other Thursday. If I close out my budget in March and my next payday is on the 6th, how do I balance out my next months budget categories?? Example: March fun left offer $34, April budget is 100. So does that mean my total April fun budget is 134???? Can anyone help me out? Tell me what they do? I feel like it would be so much easier if I got paid on the 1st and 15th. Thank you!!!!

[@yuks43]

We're a family of four so this video was helpful to see a combined budget with a spouse. Where can we submit our real life budget ? We desperately need help. We've been trying to do the budget by paycheck since March and every month, our budget is off. We have a lot of bills, some debt, many sinking funds, and saving goals. We could use some help or maybe a reality check....

[@MMyers-mh4jq]

Yes I’d like to know to!!

[@rachaelv1140]

I would love to help. I just wrote a blog post at rachaelchristina.com on how I budget. I’m going to write a few more about getting out of debt on a low income.

[@laurab4570]

What about gas for their vehicle? It feels like things are missing a bit for sure. No online streaming services?

[@SianRosie]

As a student I used to spend £15 per week on groceries.... that’s £60p/m for one person!

[@jessanneblackhawk4869]

Life is too short so go for it I love that I"mma put that on my wall. LIFE IS TOO SHORT LIVE YOUR LIFE

[@dotorabedouina]

I’m always amazed at how few expenses people in the US have. I have home insurance, car insurance, life insurance for example. Also as a doctor I have a lot of professional expenses which I imagine other professionals would also have. Also Miko could you do something about how to use cash if your currency doesn’t have a lot of bills- it’s so much harder to use coins when bring a cash spender, 😊

[@annevanacker4044]

Americans do have the expenses you mention, and I agree with you - true expenses that come along at irregular intervals are completely missing from this budget. Where is the savings for insurance and taxes? What if they need a new roof, or a new furnace? And with the current pandemic, I hope their jobs are secure - because that is not the case for many Americans. We have not even scratched the surface of the economic fallout from the pandemic. Given their lack of savings and the current economic environment, it looks to me like they are skating on thin ice and hoping everything is going to be ok. Just my opinion- as mentioned above, if it works for them, and they can sleep soundly at night, then good for them!

[@debbiew263]

Not near enough going into savings for home maintenance, etc. $2,000 wouldn't cover a new furnace or hot water tank. What about the share of meat they purchase once a year? That needs to be saved for too. $2k would only be enough if you rented.

[@icekitten06]

How about those that earn an income on a daily basis? And it varies on the daily work that has been put in? Like those ride hailing driver eg: uber driver? How do they go about budgeting and use the paycheck method and budgeting

[@clearlakepets1]

I am self employed. Professional petsitter and there is no paycheck budget. If you have any thoughts that would be great. I am new to your channel and have enjoyed it very much. Thanks

[@nancyval325]

Your emergency fund should cover your expenses for 3 to 6 months. But things happen and you may find yourself having a big expense such as plumbing,roof, car or medical. That would eat up your emergency fund in a heartbeat.

[@victoriag4849]

hello tamika, i have been watching you on my roku tv (youtube) and i can't give thumbs up or subscribe (or don't know how to) i've been very intriged by the way you budget. but as for this couple i felt i wanted to comment (on laptop), why is there no emergency fund? do you ever take that into consideration because now i don't recall.

[@fealishacunningham3542]

They do have an emergency fund of $2000

[@circejanuary]

10k for Greece this is almost 1 year salary for 1 person in Greece if I am not mistaken...

[@veneviaosuagwu9394]

When you have the 2024 calendar

[@FauxPunkkFatigue]

this was so satisfying 😍 i also appreciate that kumiko doesn’t judge or question their choices, she makes it work based on their WHY. we might not understand their choices but we don’t have to. you’re the best kumiko! 🫶🏼

[@laurab4570]

$10,000 for Greece? I only spent $3200 for 9 nights in Switzerland solo traveling and that’s suppose to be the most expensive country.

[@tacosmargs58]

credit card debt and going to Greece? I don't think so

[@keaganshouse1792]

Hello! I love budgeting by paycheck, but my husband and I also get paid on opposite weeks. What is the reason to not budget every pay period? Thank you!

[@cashisqueen6593]

Notice she has no expenses between the check on Aug 7 and Aug 14. There's no point in creating a budget with that check

[@jazzz7277]

Question my husband gets paid Every thursday I get paid twice a month should I be waiting until I get paid to combine them as opposed to using it? I have been adding it to my budget before I get paid.

[@LReed-gp9xv]

Based on her video. It would best to combine paychecks. I like that she said to wait and hold the paycheck. I think that would help the process of thinking where should the go!

[@vidananovazelandia]

I would have paid all the debt first ( credit cards and car loan) and go to Greece in 2022 instead, also their emergency fund is not enough to pay for even one month worth of bills

[@shannonkurtz4057]

Where is the allowance for gas money for vehicles?

[@Elysia07]

I want to know how the got an 800 a month mortgage and who i can get one too.

[@sgibson806]

Nebraska you don't pay food taxes

[@jenellebeggs6390]

Why does Matt get more than Jasmine per month? Lol that’s what I want to know. I also agree no trips until credit cards are paid off. Take that 3k saved for the trip and use that to pay down debt.

[@GldenCat]

when are the new budget by paychecks coming out? it is hard to do this without one

[@nitaprice5332]

GldenCat i got the download version and sent to Staples and printed one month at a time. Until I could save up for printer, which I just did 😊.

[@GldenCat]

Nita Price colored ink sets are $100 dollars for me. I would like to use the money towards my budget. 😊

[@fealishacunningham3542]

I know the library isn't open right now (well at least not in my state) but print offs are only 10 cents for black & white or 25 cents for color per page.

[@arleymarino8155]

Where do we submit our info if we would like a video with our numbers?

[@thebudgetmom]

[e-mail]

[@maladyd1]

My family of 4, only spends $220 a month on groceries.

[@mrs.mcginnis2987]

I just spent $500 and I’m hoping to push us through the month. 😩

[@amandareader6360]

I wish I was able to do this! I have such a hard time with my budget because my income varies. I would definitely love if you could show me how to do my budget or give me some pointers cause I’m at a loss.

[@kittjohnson5548]

Send her an email with your information. She will reply back to you

[@fealishacunningham3542]

Find you average pay... I took all my paychecks added them up then divided by the number of checks received. I've only been working since March and my income varies so much. I haven't received a "normal" check because with Covid19 my hours are increased along with receiving CARES act pay.

[@danielacruz3388]

I wish she will do my budget ..... just tell me what to do ha ha ha ha. My hubby works on sales so his check is so different every week

[@gladyscollado8895]

I noticed I’ve been doing my budget monthly rather than paycheck by paycheck. Am I doing this wrong ? My husband and I get paid unemployment checks weekly at the moment, as I am currently furloughed from my job without pay until further notice and my husbands design jobs are lower due to the COVID 19 crisis.

[@mblackburn1986415]

I really think it depends on what works for you. Does budgeting once a month make it easier? Or harder? What works for one won’t work for everyone!

[@yojs17_]

@@mblackburn1986415 I used to budget monthly, but now I budget paycheck so I can put money towards my goals every 2 weeks (if I can) versus waiting until the end of the month or allowing the money to go elsewhere. Some people budget by "paying themselves" first, meaning saving and then spending the rest of your money on your monthly expenses. I find that Miko's method encourages you to take care of your bills and variable expenses first before saving and paying of debt.

[@MMyers-mh4jq]

I can say I want to go by Paycheck but I’ve had issue with the switch

[@barbarahatfield8027]

They can do bought , dette and trip . If he does his bonus .she can work more also . But if it doesn t happen .then what ?...

[@ThereseDavidson]

I would not book that greece trip before paying of the debts that bothered me

[@sandy1600]

Can you elaborate on what you mean by saying that 'your expense trackers dont have to match your budget'. This got me confused. I am still learning and have purchased your budget by paycheck Tracker. Thank you in advance

[@yojs17_]

I think she means that you "actual" spending does have to match your "budget" spending.

[@Megtherose79]

Budget is a game plan (expected numbers). Expense trackers will show what actually happened (real numbers).

[@HeatherLovesLife]

Sandy Hernandez The ‘budget’ is your plan for what you expect to happen during the paycheck tracking period (based on your minimum income and expense expectations during the tracking period). The expense trackers record your ‘Actual’ transactions. I usually update the “Actual” columns on the Paycheck Bill Tracker to match my expense tracker. After using the budget-by-paycheck method for a few months, I’m sure you’ll figure out what works best for you.

[@sandy1600]

Thank you, yall have been very helpful ❤🙏