BBP Real Life Budgets - Monthly paycheck 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 have a reader who has teamed up with her husband to pay off debt and find financial freedom for her family. They get paid monthly and have a side business that generates extra income every month.
➡️ 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

[@samanthamostert513]

SELL THE CAR!! Paying $739 per month on a car while being broke is ridiculous.

[@skylercooper4865]

I started watching your videos last month, and with your help I have paid off three credit cards!! You have no idea the inspiration that you spark in women. Thank you for all of your content, resources, and tips. I know it’s personal! You are a blessing!

[@eryn841]

I would love to see a budget where you don't know how much you're getting paid until you receive that paycheck! I always get different amounts and never know how much it's going to be.

[@arthrodea]

I feel like this couple is going to have difficulty with the advice to "Increase income" They already are hustling $1500 a month with their laundry business, which is really excellent! I feel like they really need to reduce some of the expenses too. Cut out cable? Smaller internet plan? Over $400 a month for cell phones seems excessive. $300 for a Lake Cabin? $175 for kids lunches (can they pack lunches instead? That's like half the rest of the grocery bill! Aren't kids all quarantined at home right now, and summer is coming?). Is is possible to sell the car and get a used one for like 5K, just to use for a year or two while getting out of debt? $4000 for a fishing boat or vacation goal seems like it needs to wait (that goal requires saving $500/month until January to hit). I do agree with Christmas savings - you don't want to deprive the kids because of adult's debt. I would add in some modest birthday savings goal for each child too. Possible a "back to school" sinking fund for this coming fall for school supplies and clothes/shoes.

[@spoonb16acrx2003]

I totally agree, some of those expenses are crazy and can be cut down. So, they don't have any savings now?

[@HKBG]

Even though I am debt free this has given a different insight and perspective on how achieving goals. Loved it!! Thanks!!

[@lovesinginggurl]

I love that you are showing us other peoples budgets! It’s so helpful!!! Thank you. That was a great idea!!!

[@Moonblossom62]

My husband works in a school district and he gets paid in the summers, his job gives them the options to make less during the school years to have a payday during the summer.

[@nancyval325]

I work for a school district in finance and we pay our teachers all year. Their yearly salary gets divided by 24 checks.

[@RRSK1033]

The only point I would like to add, is that by August, the balances due on the credit card debts will have reduced by three monthly installments (May, June & July's monthly payments) so the balances outstanding will actually be lower than today's balances, even with interest accrued.

[@nicoleecholes1918]

GB T definitely true

[@larissaguy9083]

You explained this so well! I really love these budget episodes. Today I’m going to ‘close’ out my budget for April for the first time, so excited! Thank you for all your teaching, it has changed my family’s future!

[@nuclearhead79]

I just feel this family is living beyond their means. Just the mortgage payment is almost 50% of income. Ive only heard you once recommend to reduce expenses. Why not this case? Can you make a video about your point of view about percentages in categories etc.? What living within your means means etc. Just an idea. New to your channel :)

[@sharongolden7773]

Most people are not living within their means but it is never too late to tackle and change how you are living financially, one step at a time. This is why we are all here learning from the budget mom!

[@8lyanne]

She explained in the video why she didn't recommend to cut expenses.

[@priscillapartyof9215]

let freedom ring I agree one step at a time :)

[@thebudgetmom]

I don't believe in percentage based budgeting, as that's not realistic and fitting to everybody's situation. Tracking all spending brings financial awareness into your life, and you'll be able to see what you can realistically afford :-)

[@rebeccasuraci7666]

I’ll tell you why percentage doesnt work. Living expenses 30%? Not where I live! Try 80

[@JustineCarissa]

I really learned about budgeting over the past few months. It really taught me to pay off a lot of debt such as credit cards, student loans and other debt I had. I also cut down my monthly expenses down to $967. I also decided to move back to my family's home to pay off and save money. I'm currently focusing on my last debt which is my car loan. I want it to be paid off by the end of the year. I really love watching these real life budgeting videos because it keeps me motivated. Thank you for making these cool videos!

[@BlueBoxGirl1837]

I’ve been searching and searching for a video to help me understand this system. THIS IS IT!!! Thank you for being so thorough and the client for sharing their budget. This has helped me a great deal.

[@Elizabeth-uj8vn]

I know I feel the same way! She’s my favorite budget KZbinr❤️💕

[@laureltaylor9390]

These are my favorite videos that you do! So helpful!

[@alonacomerfordeasybudgetin3963]

That’s great! Many people struggle finding time to do their budget and it’s really awesome of you to help! 😃

[@ginajohnson1654]

WOW this was so good!!! Loved seeing how you put together a plan for this couple! Love it!!

[@kellynilsson9668]

I would highly recommend getting that car loan refinanced asap. 14% is insane!!! Look at getting an account with a local credit union. We just paid off our 2nd car but our interest rate was around 2.6%.

[@renaemosley2274]

There credit maybe bad due to all the debt they have also depends on much money they put down.

[@makemoneywithnarelle]

Thank you Miko :) Such a clear and susinct explanation. I hope the family follows your lead and gets on their way to a strong financial situation. This video will help so many to do the same :)

[@susanb1884]

Loved this example and how it evolved over the couple of months!

[@jvera143]

I so look forward to these videos! Thank you so much for taking the time to do them for us!

[@danielles7297]

Having all bills come out the same day as I get paid would make me so nervous! What happens if there’s a holiday or a mess up and you don’t get paid that day? My pay check comes each month on the 26th, unless that’s a Sat/Sun/Holiday, in which case it comes on the next working day. That could mean I don’t get paid until the following Monday, so all of my bills are set to come out on the 28th or 29th as a buffer in case of any issues with my wages.

[@Pandorash8]

It depends on their workplace. My late husband’s work used to pay early if the 15th fell on a non-work day. They had a policy that all money must be in the employee’s account BY the 15th. Still, I used to set my automated bills to the 18th lol.

[@Elizabeth-uj8vn]

@@Pandorash8 I do the same thing. Can’t afford to have them due on the same day as my pay day.

[@sharongolden7773]

Thank you so much, very helpful! This needs to be taught in high school, every one needs to learn how to budget their money no matter how much or how little they make, then they can avoid having to clean up a mess later in their life. So grateful to you!

[@mariama1157]

Love how you try to help us with real life experience. Thank you for helping me on my financial journey since 2018. ☺️

[@priscillapartyof9215]

Great video! I love seeing real life examples and how you budgeted the following months as well.

[@emilydorr6429]

Hi Miko! I find you so inspiring, you have encouraged me to start my budget and debt free journey! Thank you 🤗 I just bought the pdf version of your budget by paycheck workbook and love it! I am a secondary science teacher in NYS. In NYS we are required to have a Masters degree to become certified teachers, so in addition to bachelors degree student loans I also have masters degree student loans 😥 Our school offers two payment options one where you recieve 20 paychecks (only the months we are in session, but slightly larger) or 24 paychecks, which is where you recieve a "big" paycheck right before summer that is equivalent to two months salary. This is the option I have always chosen. I plan on keeping it all in the bank and pulling out my cash each pay period just as I would during the rest of the school year. Tomorrow I will have paid off my second credit card and can start rolling into my third🤗 So excited! Thank you for your continued inspiration and encouragement!! 💜💜💜

[@karenmarley9096]

So incredible helpful! I am a visual learner. Thank you.

[@deniselogeot3784]

I love this series! Thank you for doing this!

[@jeffcarpenter6306]

I have watch your videos for several days now. They are very informative. I am trying to find one to send to my son and his wife that can help them structure their finances better. They get out of debt and end up right back in it. Outside of claiming bankruptcy or working with a debt consolidation person I am not seeing relief for them. I create a budget may years ago that helped me manage my finances, but I was not heavy in debt as my son is at this time. He is in construction so with rain days and layoff at times he got behind and when he was doing well over spent on many items using his credit cards and financing cars, etc. This video seems to be a good one to send him. I am hoping it will open their eyes. Thanks for sharing the information.

[@luisarappazzo3233]

Thanks for doing this! It's really helpful. Family live is hard and wanting to give your kids the most you can is a parents dream but I would say no to vacation/boat. Pour everything you got into those high interest loans. They are really eating into this families $$ and paying the minimum amount is paying so little to the principal. Once you start making extra payments toward the principal it is amazing how fast they start going down!! You can do it!!!

[@shawnadavis6077]

Thank you Thank you because i get paid once a month someone answered my prayers thank you!!!!!!

[@MsMdgrace]

Thank you for all your videos. Learning from your videos.... especially budget/living on a VA disability once a month paycheck.

[@Emilyplays27]

Thank you! - great perspective to see BBP methods in various situations. Would have loved to seen one more month to show the reduction in fixed expenses being freed up for dept pay-off :)

[@roserivera4214]

I love this type of videos.

[@ChristineWoodington]

I love these episodes because you take us from the beginning, set it up, and how it potentially works. Is there one for pays on 15th and 30th which is a common pay schedule.

[@beccaannhome]

I love these videos! It would be fun to see and update on this couple 😁

[@erikaramirez6558]

THESE ARE SO HELPFUL!!!

[@Clover2016]

I found this so interesting, well done. I wanted to see how it look after all year!

[@danielles7297]

I would have also loved to see what the budget would look like to achieve her requested goals, and what sacrifices they might have to make in order to reach those goals.

[@1time4younme]

A good video with a lot of helpful info. I'm sure they're anxious to see what kind of helpful budget you've worked up. However, I am curious about not seeing a checking account cushion that you usually advise us to have. Even with the high amount of their bills and debt, would it not be wise to make sure they have something in their checking account for a cushion so they won't tap into their emergency fund? I do like your idea of saving their emergency fund before paying off the debt. And you're right about job instability... another good reason to establish an emergency fund first. Thank you for sharing this with us. Your knowledge is definitely a big help! 😊 Looking forward to more.

[@opchick0597]

Excellent video

[@adriennescrazylife188]

5:43 - she needs to negotiate those rates!! $450 for cell phones? $229 for cable?

[@momasking4019]

I don't believe in boxing yourself into percentage as well. That's one reason why I love the budget mom philosophy.

[@MariaCruz-qo4yy]

I love these videos

[@maureenpluthero8543]

Their income seems low for two people with master degrees? There also seems to be quite a few fixed expenses that should be looked at and reduced since they have so much debt. For example phone/internet/cable, hockey due kids lunch dues (can they not make their own lunch), lake cabin payment, rejuv/itunes. Until debt is paid off would these not be considered non essential?

[@britanycook]

I guess it depends what their masters degrees are in

[@melanierhine593]

And $739 for a car pmt? Get a cheaper car.

[@amandabacon6701]

Welcome to working in the education field. Teachers/educators are underpaid based on educational level.

[@courtneygoddard3960]

To you maybe! They must be okay with the trade offs. Life’s too short to only pay debt🤷🏻‍♀️

[@IKTH9192]

Maureen Pluthero I agree, especially the cell phones. They should be able to get plans for around $200 and the lunch amount is insane! Getting extreme with paying off your debt only lasts a short time. Once it’s over you can enjoy EVERYTHING. We’ve been completely debt free for over 5 years and it’s so freeing.

[@vanessaellis2195]

They also need a sinking fund for birthdays...and by August she should have 3 credit cards paid off if not 4 and some of those Dr. Bills. Good Job this Couple has this...

[@3boymama]

Vanessa Ellis no birthday gifts unless they come from others. You get a cake and get to pick what is cooked for dinner. That's it.

[@investwithdavis1235]

Great walkthrough #budgeting goals

[@meganwolford6389]

I love these videos! Do you have one with multiple checks in a month with two incomes? For example: my husband gets paid weekly (4x a month) I get paid bi weekly and 1 commission check a month. And then I work a part time job where I get paid bi weekly and make tips. So we receive 9 paychecks a month and get cash tips. I know it’s specific but I can’t find any budgeting videos on how to separate bills

[@FrugalFunMum]

I'd love if you could do a seperate video about the revolving paycheck - especially if your new to a job and all of a sudden realise as a casual worker you won't be paid for a 2 week xmas break.

[@TheImperfectReader]

You have a beautiful home.

[@annielapointe1050]

Great helpful video as usual Miko 💚 but what about their vacation plan??

[@madisonraevaldez]

I love these videos! However, my mom and tia are educators and get paid 12 months not just "during the school year". I believe there is an option to select that when they are hired. So in other words the salary is split automatically for them, no need for the additional savings account.

[@paulacroly8865]

Over here in Ireland whst we do as teachers and sna's we get paid for 9 mths of the year but the board of management (educational system) break it down over the 12 mths and we get paid fortnightly

[@notslak]

Can you do the fixed expenses sheet for purchase or in the newsletter? Seeing this episode really helped me.

[@eloisaruvalcaba3504]

A lot of credit unions offer teacher summer saver accounts and they usually are interest earning accounts.

[@tammmygraves4317]

Questions.... the totals on the income. Is this after taxes (net pay)... is there also their business expenses for their cleaning business?? I wonder I think it would be interesting to see how this family works their business on the side and how they figure out how that comes to play out. Great video!!!

[@lisah2208]

Loving these BBP of other people’s real budgets. Maybe I missed it, but where did the $100 for savings get accounted for?

[@sharongolden7773]

Remember no matter how you may feel you are doing, by simply paying attention and reorganizing your finances giving it your daily, weekly and monthly attention you will be better off, you will learn a lot and this in itself will improve your financial goals.

[@RandallHallKaizenReiki]

I have a revolving savings account for my yearly bills (car/renters insurance, car registration, etc...).

[@subrosa7mm]

I would like to see a bpp for people who are more a typical working middle class. In credit card debt. Student loans. Childcare and work paycheck to paycheck. Very little savings. Maybe someone who has medical bills and not in the black. No second job or business. Say maybe someone who makes between 35k-50k a year.

[@sarahwilson9213]

I watched this budget and thought there were some expenses that could be alot less cable & internet, Verizon bill (visible mobile has $25 unlimited per plan and if you pay your bill with a credit card that has cell phone protection you will not need it form the carrier). Interest rates are so low they might want to look into refinancing student loans as low as 3.99% and any high interest debt. This way they could free up more funds and be able to reach financial goals.

[@DsVs]

Do you have any videos for people with variable hours? Retail for example tends to have a slightly (or very) different schedules week to week.

[@cynthiawalker8214]

By July when the first extra debt payment is made, all the balances would have dropped slightly. The debt /bills would possibly decrease in August with with cc #1 being paid off. The leftover balance would increase by that $40 ... correct? Wouldn't this allow cc #2 to be completely paid in August therefore decreasing the debt by another $40 and increasing the leftover balance again. Am I thinking this through correctly? Should the decrease in bills ($80) go toward the Christmas fund instead?Hope this makes sense.

[@melissafernandez6167]

I have a question about this too. So she’s still paying the minimum balance and then making an extra payment ? I’m confused and needed more insight.

[@carolynmcfetridge3991]

If working for the public school system, they get they're contract amount spread out over the 12 months...usually Sept thru Sept.

[@kimberarchuleta1689]

Wow, this so cool. How can you do mine, it's super difficult!

[@michellemorales401]

you can submit all your information to her for review. I think in a previous email she said that they had received over 3000 emails in the first week alone.

[@PlanningWheNeva]

I just want to know how she got all of her bills to be due on one day! I need that tip because that would make my life so much easier!

[@mldshelly12]

Hi there, hope you do not mind me answering as I have done this before. Many companies especially credit card companies will allow you to change or move your due date if you call them or some have the option to do so online. Keep in mind it's usually effective for the next billing cycle and not the current one.

[@Amanda.Cooper]

Since they get paid the same day all the bills come out, I would try to be one month ahead on the bills just in case

[@nattevakta1]

Sorry I have not used the avalanche method, so not totally in understanding wit this, but you have 3 cards with the same percent interest, Why not pay of the card with the lowest amonth (114 dollar) in the first month and it would be gone and the 40 dollar minimum can go to the next one next month. Since they are all on the same interest percent, I have understood that is what the avalanche method)

[@cathowen6667]

Where can I get this debt picture please x

[@kristyschumacher6837]

I wish I made that much each month as a teacher

[@monicatorrez7568]

I would like to find out how they only spend $325 per month for groceries for a family of 5?

[@christopherhardie4875]

Monica Torrez only buy essentials, no snacks, soda, garbage foods

[@sierra495]

Monica , meal planning helped me a lot. Good luck!

[@mishelloren]

It’s easy when your swiping your credit card for food also

[@melanieshipley3133]

It said that one of her bills was school lunches so that is 5 meals a week paid for differently but I had the same thought!

[@thedarkangel456789]

Agreed! My grocery budget is my only struggle. We are a family of 2 sometimes 3 when my son is here and we have 6 pets. So I buy food,pet food and household all in the same category. Last month was the first month I tracked all that spending and we spent over $1200!!!! WTF!!! I'm still struggling with it, I clearly have a spending problem lol

[@dianjohnson1]

Hi- is the budget by paycheck workbook ever going to be available? Not the downloadable one but the actual ready to go binder... thanks!

[@brianmedina2787]

definedlife she only releases in October and once all units are sold they aren’t remade. So she makes the printable version for year round. A new bbp workbook is coming out this October. By my understanding she’s working out ways to make the new version available longer into the year before the new version each October.

[@dianjohnson1]

Brian Medina THANK YOU FOR RESPONDING!!! It’s so appreciated❤️

[@luomanfei]

325 per month on groceries but 450 on phones? We have 6 lines on my t mobile accounts and three phones are on installments and only pay 235 a month. They can definitely cut down their phone bills.

[@shawnadavis6077]

We are salary paid so we do get paid during the summer just not that much

[@susanspianostudio7057]

Do bare bones budget for 6 months and knock out lots of those little debts.

[@liliyanie]

8053 bills include 40 minimum payment for 1st national right? So by the time it is august they paid 40(may) + 40(june) + 40(july) + 191(extra in july)= 311 total. So, 340 - 311 = 29. I don't think they need to pay 149 in august. Sorry I am not from the US. Could someone please explain it to me? I am confused.

[@mariposa6014]

Teachers actually get paid in the summer! They are salary based

[@colombepetite]

What about bills that aren’t regular? Such as taxes, septic cleaning, etc. *** as I was asking this, I realized that the emergency fund could be used for such things, then replaced the following month. 🤦🏼‍♀️

[@lisaruiz149]

How did they type all that info into those sheets?

[@simplyalma7160]

How could I submit my in for a real life budget. I’m a single mom on a lower income and I’ve been struggling trying to figure out a good budget

[@thebudgetmom]

[e-mail] :-)

[@circejanuary]

The bills did not get adjusted month to month in July one of her loan and credit card will be paid for and make more money available.

[@megantafoya2606]

Is there a difference when you don't know what your paycheck is month to month/week to week? I get paid weekly, a base of $300 always but depending on the event we do that week I get another $250-$400. So some weeks my check is around $750 some weeks it is only $300. Im struggling trying to figure out how much I can save (buying a house soon)/put towards my student loans month to month.

[@tmvillageof6554]

When will your budget by paycheck workbook be available? The $40 one. I have no way to print the other one

[@abbeymorgenroth]

T & M Village of 6 she has mentioned the new release will be in October if I remember correctly 🤓

[@jadiecakes3241]

Can you print from a store? Thats what i did as i dont have a printer (and would normally print at work but.... working from home right now). I think i paid $15 to have it printed at office works and bound, but i didnt print the entire thing

[@tmvillageof6554]

@@jadiecakes3241 no stores are open

[@laurahenckler1403]

Do you have any real life budgets where a couple splits bills by percentage? My husband and I have separate accounts. I typically pay 40% towards all of our bills. I have always struggled with how to write up a family budget for this... do you have any suggestions?

[@aldenwonderland1]

We did this when we made different amounts. Two ways worked for us. 1-There’s a bills account that the bills come out of. Both people put the agreed amount in the account and then bills are paid. Or 2- look at all the bills including eating out etc. then split them up. So for example one person pays for groceries and one person pays for electricity, water, WiFi. Whatever works for yalls percentages.

[@dugmh]

I would love my husband to do it with me, but he's not really into this for the moment!

[@DaisyDays]

Marie-Hélène Cloutier Duguay same 🙋🏽‍♀️

[@claude_tab]

Lol Samehere. He’s not into it. But he did take 1 of my cash envelopes and 1 of my savings tracker papers 🤣🤣

[@yvonnejohnson2109]

I have a question, I started working for a company and they don't take taxes out when I get paid. How do I know how much to sent aside for taxes and how do I pay the taxes quarterly?

[@nataliehollinger4350]

This would be very hepful. I would be very interested in this type of video too!!!

[@chiknlittle]

Try smartasset.com. You can enter your location and all your info, it will tell you exactly how much is coming out in taxes monthly. If you aren’t getting those taxes taken out already, you could save that amount each month into a savings account, that way you have how much you need by the time you have to pay taxes. It’s accurate, I’ve aligned my paycheck to them multiple times.

[@ln1299]

@@chiknlittle SmartAsset is great. They also have mortgage and retirement calculators. They really help me visualize my financial goals.

[@thebudgetmom]

You can create a separate savings account and each paycheck you can put money in there so by the time you have to pay taxes, you have the money set aside :-)

[@XxNikkixX72894]

So Is she only paying those debts on the tracker & leaving the rest till later or is she always at least making min payments on everything so it’s not increasing and becoming late

[@liliyanie]

According to bills and fixes expenses tracker on the video, they pay minimum payment each month which is 40 for 1st national. all minimum payments were included in 8053. I have no idea why she didn't include the 3 months minimum payment when she calculate the debt payment. If I'm not wrong, they only have to pay 29 dollars in august for 1st national. Because they will have paid may, june and july's min. payments plus 191 dollars.

[@thebudgetmom]

Minimums are paid each month :-)

[@XxNikkixX72894]

The Budget Mom thank & literally screaming that you replied 😅😅😅😅 lol fan girling over here

[@angelahoward6256]

How about doing a disabled person on a fixed income. Because a disabled would not be able to increase their income, they could only eliminate something. Maybe someone with $1500 dollars a month. It has been hard to find budget tutorial for single senior citizens living alone.

[@ella_encantada]

Your channel has really taken off!

[@caitslife9666]

I need someone to do this for me. My budgeting system is so hard because of high debt and low income.

[@brroookkeee]

People who want a budget need to realize they have to cut corners such as make the kids lunches at home so that erases the lunch dues and maybe brings up the grocery bills just slightly, also the iTunes for $44 monthly? How?! I don’t want to judge but I try to cut down my budget constantly to the bare minimum and as we gain more income, we bring other things into our budget

[@Budgetforsuccess]

Wow $325 for 5. I have a $300 food budget for just me. 😳

[@raljame]

easy solution from a unskilled father of four. Easiest budget ever live debt free, do not pay something you can not pay for.

[@elliremi3154]

raljame yes! My dad’s motto was always “if you can’t pay cash, you can’t afford it!”

[@orenharari]

You pay 229$ for internet in the US? 🥵 in my country we pay 20$ for internet and 10$ for a mobile phone line omg

[@laceygreen6728]

They do need to cut their budget. And start turning off lights or something. Over 400.00 a month in to energy?? Kids don't need lunch dues. Just make them. Verizon can be cut too.

[@myacrylicjourney624]

I’m confused. Is she still not making a minimum payment on all of her bills? If so the numbers don’t match up with what you’re showing. After the June payment she would only owe $260 on debt number one, $186 on number two, and $36 on number 3.

[@jillstover8782]

I would be knocking those small credit bills OUT, n then save the min. Payment to next one or even 1/2, in my mind if I owed that much credit making that much money a month! They need to BUDGET badly cut them cards up! Good luck High dollar car for broke on credit to me?

[@rs4404]

How can I submit my info for you to do a real life budget for us?!

[@jadiecakes3241]

Its an email to [e-mail] :)

[@rondagipson2184]

They need to do Dave Ramsey's Total Money makeover. They also need to call each credit card company and negotiate interest rates and get rid of their car. Their housing is at 50% so they are living beyond their means.

[@3boymama]

NO FUN MONEY! NO VACATION!