Budgeting my $15 dollar an hour paycheck as a Single Mom

Living on a Low Income
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[@kcmarie3774]

I just love a good ol pen and notebook budget! Wow I can't believe your rent is going up to $906. That's why it's crucial you have a great budget like you do.

[@AFBudgets]

Ya that's a lot at once!😢

[@myfourjays2322]

I use to be on section 8 years ago, it was a lifesaver during the time that I had it but I wanted more for me and my children. I got tired of the housing inspections, filling out forms etc. I decided to get my certifications in education and I haven’t looked back. Congratulations on making more money and being self sufficient, I’m proud of you.🙂

[@DiaryofaSingleMom-ov7xf]

Hello my friend. Yes! I’m definitely tired of the paperwork, the inspections, the rules and them being all up in my business. Hang on in there school is almost out. We have 2 weeks left.

[@DiaryofaSingleMom-ov7xf]

Thank you

[@MM-xt4zx]

I was on subsidy as well and once I got off I lost my mind with working two jobs and doing crazy overtime and damn near tripled my income and now I'm quite proud of myself. I literally now have a great emergency fund and I have savings! Being independent is so fulfilling!

[@Philippinesbound42]

Not being mean. But if you don’t want people in your business. How about you pay your own rent ? Section 8 and welfare /foodstamps has decimated the black community and family. Just like the democrats wanted. Now they are dependent on voting for democrats.

[@maryl234]

Tired of the forms to pay 1/3 of the rent? You should be more grateful vs. complaining about taxpayers funding the roof over your head. The rich don't carry you - the hard working disappearing middle class pays not only their high housing cost - but yours, too.

[@DarthFurie]

Thank you for the work that you do as a school custodian. You all are so valuable to school communities, you deserve much more and I can't thank you enough

[@DiaryofaSingleMom-ov7xf]

You’re welcome and thank you for the kind comment

[@kenyonbissett3512]

A clean, well cared for school makes all the difference to student success. Thank you!

[@FIRE_DrNinjaTurtle]

Keep going. I went from homeless to financially free. You will be financially free someday, as well.

[@DiaryofaSingleMom-ov7xf]

Thank you Darrell. I’m glad you are no longer homeless. I was once homeless as well. I had hit rock bottom but God gave me the strength to keep going.

[@lynnmarieanderson1744]

I’m 53, I have no children. I’m at a very low point, I have given up. I’m living at my parents house. I had a Section 8 voucher for a very long time, then the place I was at wouldn’t renew my lease. I’m trying to find a womens group home to get into now. I have a high school diploma and some college. I admire that you’re trying, but you need to know that you’re in a situation that is difficult to get out of. The best thing you can do is stay the hell away from using those credit cards!!! Pay them off and don’t use them at all unless it comes down to you needing them to pay your rent. Watch carefully what you’re paying for food and things like toilet paper and cleaning supplies. ❤

[@intentionaltoni]

❤❤❤ I went from section 8 to homeowner. It’s hard but cash envelopes has done so much for me. One reason why I wanted to have a KZbin channel to give others hope. Great video ❤❤❤

[@BudgetWithLB]

As an assistant manager/OS in public housing. I never hear residents that they are trying to be self sufficient! Way to use your resources! Keep the positive attitude and wishing you the best on your journey! The goal is to always GROW AND GO💜

[@DiaryofaSingleMom-ov7xf]

Yes! I’m always striving to be better. Thank you so much❤️

[@lovelife7343]

I have a family of 3 . I took in a bonus kid so we are now a family of 4 . I make $16.51 per hour no government help at all. I got myself off of food assistance a few years ago. We budget and everything is planned out .

[@reinsama5436]

I wouldnt wanna risk creating a family life already hard enough

[@DiaryofaSingleMom-ov7xf]

That is wonderful. I’m striving to be more self sufficient myself. I had someone comment that I was complain and should be grateful. Don’t get me wrong I’m grateful to have had the stepping stone but it’s now time to do better. If she is mad that I want to do better then I don’t know what to tell her

[@sj9410]

Making 16.51 an hour with 2 kids should qualify you for food stamps. Unless you're a dual income household.

[@lovelife7343]

@@sj9410 I have no mortgage payment just property tax and insurance so my income is to high . One income household . They said a few years ago I qualified for $51 a month . I can work overtime a few days a year and make more than that. Unfortunately I haven't had overtime for the last 8 months but we do fine budgeting.

[@maga5381]

I wish you luck in your journey. But please use those extra 'house down payment' funds to pay off the credit cards ASAP! The interest rates are killing you!

[@RocknRollDina]

Last time I made 15/hr was 2013. That's 11 yrs ago. It's crazy they still pay people this low. It's unfair the people in our schools taking care of our kids make so little. You're doing your best. It'll only get better

[@JDjee5]

This is surprising to me too. I thought anything after 40 per week they have to pay you time and a half. It makes me sad that after all that work that check is still small. But I think it very much depends on where you live.

[@DarthFurie]

She has a respectable job that keeps schools running, she deserves much more ❤

[@bonniegaither3994]

It’s unbelievable. And the cost of everything has gone waaaay up vs wages.

[@GodsChild1159]

So funny hearing you say Ashton hasn’t done any chores yet 😂. Reminds me of when my kids were young. They didn’t do any either unless I forced them. ❤❤❤❤❤

[@tndee]

Emily, I relate so well with what you shared about your 20's. I'm older than you are but made some of the same mistakes and like you, I'm on journey to improve my finances. Just recently everything that I've saved had to be pulled and used towards various debts and its disappointing that I have to start all over..but nonetheless, I'm glad I have the ability to do just that...start over.❤❤❤

[@ruthiesthisthatfamily]

I'm proud of you. God will provide the income needed to get you where you need to and wanna get to. Stay positive, trust God, and you can do it. New subscriber ❤.

[@cadejawilson925]

You are so right, I feel the same way about receiving help from the government, I appreciate it so much cause good help is hard to find these days, but you have to take it as it’s meant to help you till YOU get on your feet, if not then you’ll forever be on it and barely getting by. ❤

[@shelbywilson8772]

Emily girl I use to do the overdraft all the time and got myself on track too

[@angelaconstanty]

You're such a big influence to my husband & I on our debt journey. I love watching all your videos. I'd love to hear your reason behind your debt journey. Thank you for always being so real to all of us, along your journey because I know my husband & I make mistakes along our way, too. I'm always over budget on our groceries! ❤

[@CashBearMama]

You’re moving on up 🎉 Those programs can hinder you. You’re so right. That ACP program is going down to about $15 a month. You’re doing great, and I love the attitude ❤❤ Go, Sister Girl! Have a blessed night 🦋🦋🤗

[@lakeshiabrown6321]

My first apartment was section 8. It allowed me to go to school and work part time.

[@lakeshiabrown6321]

❤

[@MzQueenDonna]

Where I live the 2 bedrooms are regular $700 a month!

[@mylifeisinhishandsamen4167]

Is the area safe?

[@MzQueenDonna]

​@@mylifeisinhishandsamen4167 Safe As any other areas!

[@OrangeMoonDiva]

❤ You're doing great! Keep going!❤

[@thehopefulbudgeter]

It’s good that you write everything down! That’s something I probably should start doing. I’m TRYING to teach my daughter, I want her to be financially smart and cash stuff on her own one day! We’ll see. What is your ultimate goal for an emergency fund?

[@MsHawks111]

If u can do cash envelope s do it. Pay ourself first. If u can

[@anaventura844]

Just found your channel. Love it! My husband is a school custodian as well, and therefore I know how physically demanding the job is. Keep going. May God bless you and your daughter.

[@DiaryofaSingleMom-ov7xf]

@@anaventura844 Thank you so much.

[@noelledayhoff4752]

Your attitude and determination to grow and make a better future for your daughter is applaudable ma'am! I was a single mom and it is a struggle and there is no shame in getting assistance as you make a better way. Praying for your journey! 💛

[@coffissa]

I love your videos. I live on a very strict budget as a retired elderly lady. I admire you. Sending love to you and your daughter.❤

[@pennysavedisapennyearned]

Hey paper and pen gets the job done. I prefer it too.

[@Chevy2Tyme]

❤ Good paycheck breakdown!

[@timothyglassel1239]

God bless you. It's not easy but God can empower you. You might consider a donate button on your channel. Also, I recommend Dave Ramsey books.

[@Aquariusallday-gy5eh]

New subscriber ❤Your approach and attitude towards your financial goals are inspiring to others. I have family in the same financial situation with a different outlook, it's so freshening to see this mindset. Wishing you and your daughter well in the future, and continue upward mobility. Check your ca on 5/7 from crypto.

[@tracimcduffie8566]

I wish you lived near me...I would definitely help you. I love people that are always trying to better themselves..I'm doing the same...aiming towards being debt free

[@AndreaKeepingItMinimal]

Sis I get to the point where if I have the money to give I don't give it because I use it for other necessary things like my kid or stuff I need around the house or trying to get a house so I've been done so wrong in my past for letting people borrow money and they not giving it back or having millions of excuses of why they can't pay you back

[@JenelAmelliee]

I’m starting my job paying 15 soon this is very helpful for me to plan ahead. Thank you ❤

[@deborahjanik1116]

I absolutely love how you're thinking is about your rent going up good for you it is so hard to live low income and you're rocking it

[@keyanaRay2092]

Yaaay I think I'm psychic. I subscribed before the holiday then never got any of your videos. I only know who you are because of your occupation so glad you showed up in the algorithm i was looking for your budgeting videos. Another great video keep up the great work I hope youtube helps you monetarily and your channel grows.

[@AndreaKeepingItMinimal]

In Texas the minimum wage is 15.00hr a lot more then before

[@bethtropio9210]

God Bless You MOMMAS Yes you are SOOOOO RIGHT!!!! Yes what is yours and what you have is NONE OF Anybodys buiness but GOD and yourself. Yes there are Givers and there are Takers. Yes YOU do you first. I cant stand TAKERS and I do understand I am almost 55 yrs old and I am FOCUS on me. Your doin GREAT Mommas.. yes TOTALLTY UNDERSTAND

[@DiaryofaSingleMom-ov7xf]

@@bethtropio9210 Thank you! Beth

[@ceci_gee]

Truly love your videos. Thank you for always being so transparent.

[@shelbyreid5136]

A friend of mine was on section 8 and they didn’t help much and the on,y way she was able to make money was to penny pinch. God bless you and girl your doing so well.

[@Educatedlame]

I used to do custodial work School custodian is a good job

[@planbudgetsave]

You are very blessed some one bought you groceries. Thats were most of my money goes. Uuuggghhhh. .. … 😢 I’m working on it though

[@sandralmoore1360]

Im pn disability, living fixed income. And understand much of what said. Am lucky in before got disabled got house pd off so no rent. Lucky when got disabled my car was repo'd and a friend had a college daughter who the'd dought a used car in hs and she was near graduating college but didnt like car so they decided to get her a car and gave me the old used car. That was 2016 and its a '98 and still running though recently it tried to be "carrie" and wrecked itself (i was in hpuse, in bed, and it rolled down neighbors driveway. Took money i was saving towards a new used on to repair her for $1500.86 . So much better then if hadnt been saving. Love seeing someone else serviving . Youve got a plan and following it

[@malindagosnell6533]

❤ So inspiring to others to budget and get debt free. Thank you for sharing.

[@DiaryofaSingleMom-ov7xf]

Thank you for watching and supporting my channel

[@raeganlee7680]

I'm in upstate SC too! I do paper and pen budgets too!

[@tiedtruth1071]

I'm Upstate SC too!

[@JK-gq2so]

I'm glad I found this video. I think you have a great attitude. As for me, I'm an over-educated 38 year old with migraines, so sadly I'm not sure if self-sufficiency is possible if I can't get my migraines under control!

[@delphinehamilton8118]

❤l love you also and l am proud of you

[@lovelife7343]

I'm laying in bed crying right now . I just went to your Amazon wishlist and saw all the wonderful stuff that has been purchased for Ashton.

[@DiaryofaSingleMom-ov7xf]

Thank you. Yes! People really showed ups and out for her. Sorry I’m just now seeing your comment. I think Yt filters some of these comments.

[@shandraarmstrong2220]

Glad I came across your channel someone with a income I can relate to,, I make 16.60 working as a cna but I'm doing way better then I use to financially I felt like I was drowning because of the pay we use to get as a cna we still don't get paid good but it a Lil more better & I'm budgeting my money pretty good

[@A2thaLO]

Watching this video was like watching my daily life. I use pen/paper for my budget. I split my bills between 2 checks, too. I appreciate your honesty in how you handle your household. It aint easy out here for us single moms, but we doing it. God provides 😊

[@dionnelewis9141]

I am new to your channel 💜 I would like to send a birthday gift.

[@savingwithvane9093]

New subscriber ❤ its good u get to pay rent based on what u make ..great budget breakdown.. yes right now interest rates are super high and houses are not worth the price their asking for.. wishing u much success..already turned my notification bell to follow ur journey ❤ 26:39

[@DiaryofaSingleMom-ov7xf]

Thank you. Welcome to the family.

[@May52525]

You better represent South Carolina😊😄❤ I appreciate this video though!

[@DiaryofaSingleMom-ov7xf]

Lol Woot Woot💥South Khaki. Thank you!

[@SavingwithEJ]

Hi Emily! I love how honest you are about your finances. I completely understand when you said if you don’t have money to give don’t loan it. I lost my best friend after I loaned her $1000.00 she didn’t pay back. To this very day I don’t loan money!! Have a blessed week! 🙏🏼❤

[@prettybullet7728]

I've been in the same situation and it did irreparable damage to a very long friendship of 15-plus years. I was totally blindsided when they didn't pay me back as promised because I trusted them.

[@JRenee141]

My father always taught me if you let someone borrow something always expect to not get it back.

[@hollygordon1693]

I have been on assistance too, and no shame in that. Keep going forward, sister! I love pen and paper too, I’m feeling more in control of my lower income. 😊

[@DiaryofaSingleMom-ov7xf]

Thank you so much Holly. I’m trying it’s hard out here in this economy but I’m trying to stay inspired. I’m glad you are feeling more in control of your income.

[@BOUJEE_ONABUDGET]

LOVE WATCHING YOUR VIDEOS, CAN WE GET ANOTHER GROCERY HAUL.

[@RB-gt8bf]

Great job for you and your family! It's called PROGRESS! Continue to keep that go for it attitude and keep looking up! What a great mindset and example for your children. I subscribed and liked and look forward to following your upward journey Sis! The struggle is real especially at the grocery store. Some of the local food pantries have some great food available as well to supplement!

[@TrappedQue]

I love your positive outlook. Keep up the good work 👍

[@DiaryofaSingleMom-ov7xf]

Thank you so much ❤️

[@lulu3079able]

if you have medical or medicaid I think now they cover braces

[@DiaryofaSingleMom-ov7xf]

Medicaid only covers braces based on a score system. She did not score high enough on that system. I have additional dental insurance called dental plus. They only pay a total of 1,000 towards braces.

[@OurPerez]

U have such a great attitude! 🙏🏾👏🏾👊🏾

[@AFBudgets]

U did a good job 🎉 this is how i do mine too. Set down on paper. ❤ and i cant pay my kids to work lately! They get 20 for 2 rooms... when they clean 😅

[@SMincy25]

You are doing so well ❤ Check your local Habitat program, you're a very good candidate. Cut the plastic.

[@DiaryofaSingleMom-ov7xf]

Thank you! I have an application in for a Habitat home now. I’m also looking into other programs as well.

[@SMincy25]

@@DiaryofaSingleMom-ov7xf Best of luck.

[@tmshy34]

Bless you Sis and HBD to Ashton! ♥♥♥

[@DiaryofaSingleMom-ov7xf]

Thank you and I will give her your birthday wishes

[@notthatkaren3168]

❤ Congratulations on how far you’ve come!! I can totally relate and we are out here grinding everyday to change things financially!

[@IDesireeWealth]

hey hey 👋🏽👋🏽👋🏽 I'm new to your channel. Your video was recommended. 906 is not bad for 2 bedroom. That is actually great .. I'm in TN my 1 bedroom is 880 for now. new renters play $1,130... i try to tell a family member to be more self sufficient but that doesn't help. She rather get a job work 6 months and quit to keep all the benefits.. good job to you... I can't braid either.. how many how many times I've tried to learn from my sister it never goes well.. also with me being a lefty everything is backwards 😂 congratulations to your grandma 👏🏽👏🏽👏🏽... good job on having a 2007 vehicle with over 200,000 miles.. I have the 2023 Sportage.. and that's what I have to do split the budget with me from the cash stuffing

[@MsHawks111]

With credit card s pay off the lowest card first with minimum the others. Till ur down 2 cards. Then do the same with the 2 card ect

[@RobertSmith-gx3mi]

We are definitely in similar boats. Sometimes I get frustrated because it seems like most of the money I am saving by being responsible and budgeting is then just going to the next corporation that raises their prices 6, 8, 10 percent. But we persevere. Good luck to you!

[@shelleym.4197]

❤

[@JustOnePageAway]

❤

[@A.M.Independent.Consultant]

❤

[@roswingomez1986]

This is what bad about United States. More people oh are single mom. Never be help. That my biggest worry. I have 4 kids.

[@Revert2017]

Looking forward to see the jar full!❤

[@pipa_chevere_sv6505]

Good evening, Emely. I want to commend you for the desire to get out of low income housing. And for everything else you are trying to achieve. On the subject of resources to help you out. The richest man in Babylon audio book is a great start, I am sure it will provide valuable information and tips to get your money growing. As far as getting your credit score up, do your service providers allow you to use a credit card to pay them (I recommend this as with a credit card they will always be paid on time and consolidated so you only have to pay one place, also there are some cash back credit cards that will also be beneficial, assuming you have control on spending with credit cards. However this method might help you in increasing you credit score. And also get some cash back kn groceries, bills and gas. I live in Canada and I know that credit cards in America have better benefits than the ones here. I am a new subscriber and wish you the best on your financial journey. You are doing great!!! Do NOT give up. Hope you get monetized soon so you can get your money up. God bless !!!

[@debbieframpton3857]

I will I will be 70 on May 17th

[@DiaryofaSingleMom-ov7xf]

Happy Early Birthday Debbie❤️I hope you have a good one. My mom will be 71 this year. You are truly blessed

[@deborahgaston4557]

Hi Emily.. I just found your channel and I loved your video. I am a new subscriber now ❤

[@DiaryofaSingleMom-ov7xf]

Thank you and welcome to the family ❤️

[@DailyJAB]

laundry is so expensive. my apartment complex finally got new washers but then raised the price of each load by .50 cents

[@SingleMomBudgeting]

I bet you are close to becoming monetized on here!! I hope you get there soon, it will help out a little bit each month! You are doing really well, proud of you!

[@gwenshort6380]

I use pen and pad also. Love this method. Simple and easy ❤

[@suprememagnetic4850]

Great video. You’re a strong woman! Keep doing your thing and I hope you make millions, God willing 😀

[@roswingomez1986]

Girl we have check decime. I have only 1,000 check

[@cruise799]

I live in the upstate of sc also. You’re an inspiration!! I wish you the best!! I hope you are getting some you tube income too. I’m new here so I don’t know if you do.

[@pennysavedisapennyearned]

New subscriber. Hello 👋🏻

[@summerjoy247]

Just liked and subscribed! Rooting for you. Great job on the budget

[@xiomaram.5022]

❤❤❤❤❤ I love to watch you succeed.

[@BudgetingwithTracey]

Great budget!! 😊😊

[@TheAmazinRaven]

❤

[@DiaryofaSingleMom-ov7xf]

Thank you

[@teciagreen7718]

thank you for sharing! Keep going. You will get there. I had a similar story. ❤

[@YourRichAuntie]

I hope that you can receive something from your KZbin videos. Your content helps a lot of folks and you're really good with budgeting on a low income. Thank you for sharing your budget and I hope that things can improve for you and your daughter soon

[@DiaryofaSingleMom-ov7xf]

Thank you so much Rich Auntie. I’m working on getting monetize. I had some old videos that contained copyright material so I’m in the process of saving them and deleting them. It’s a whole process for this monetization stuff.

[@CatherineAndersen-l9q]

Writing everything down and using saving envelopes for bills 6 usd savings challenge all I can do because large bills and medical came in

[@lesahlees]

What shipping address do we use on your registry?

[@delblonda]

Newbie here, just came across your video. Good luck to you. Great video

[@FrankiesXpress]

I’m in South Carolina as well, hey neighbor 😅❤

[@mumpcandy07]

Keep working on your budget! I can’t wait to see you win! You are doing great! 💜🥰

[@Dedekiki]

❤ I wish you the best :) and I'm sure, sooner than later we are going to see your video about your own home! 🏡

[@commonuser-2554]

Don’t give up girl!!!!!! ❤❤❤ you got this!

[@lanikaibabe]

❤ my first video that I’ve seen on your channel. I just lost my snap starting next month and although I’ll miss the benefit - I also consider it a good thing. N I’m grateful and blessed that it helped me for the last year. My disability finally kicked in. So I make too much now and that’s ok. Grateful for the benefit when I had it and now someone else can be blessed with it.

[@DiaryofaSingleMom-ov7xf]

That’s right❤️I’m glad that you are receiving disability. My S.O gets disability himself and is on a low fixed income himself. Budgeting is key when you have a low income. Thank you for watching and supporting my channel.

[@yvetteortega8973]

Omg! I been searching for your channel for the longest time, probably over a year. I used to like watching your channel. Im glad it popped up. I'm gonna screenshot your page.

[@DiaryofaSingleMom-ov7xf]

Thank you Yvette❤️I appreciate the support

[@jackieelmore6544]

I enjoy seeing your progress? Keep grinding!

[@sarataylor4537]

I had braces I know how that goes they are expensive

[@jenifferifill48]

💗💗💗💗

[@sewcreatetiff]

More money equals more problems. I make good money but I’m still on a budget and make mistakes as well.

[@TheIslandbeauty22]

You are such an inspiration to me and to others. I look forward to your videos ❤