Budgeting my $16.00 an hour Paycheck as a Single Mom #3

[@sandydiaz1109]

Im so happy when i get to watch a realistic paycheck budget that i can relate to. Some budget videos pull out 10 plus binders and do 10 plus savings challenges. Those feel more like playing with money videos than budgeting.

[@DiaryofaSingleMom-ov7xf]

I fully understand Sandy. I was feeling like that when I first started budgeting. I was like I going to record my little shovel because I’m not seeing anyone that don’t have a lot to work with

[@lifeofknk77]

I agree. Cause every time I start saving something happens and I have to get that money out and start all over again. 😞

[@DiaryofaSingleMom-ov7xf]

@@lifeofknk77 I know the feeling. Same here but like 50 cent say. I’m going die trying 😂

[@PrincessofAtl-v2r]

I also feel like those channels are showing off with their large amounts of money.

[@cristescumaria]

well said

[@Benshe100]

This isn't much but maybe it will help you out some. God Bless.

[@DiaryofaSingleMom-ov7xf]

Thank you so much. ❤️

[@mandywindwalker6207]

@Benshe100 That was so sweet 🥹

[@deandreabuxton4592]

That's so kind of you!

[@1bathroom]

very sweet gesture god bless you for blessing her!!

[@Lumenjensen777]

Thank you for helping restore my faith in mankind with your act of kindness. World needs more kind souls like yours.

[@MsTita04]

Keep it up!

[@DiaryofaSingleMom-ov7xf]

Thank you so much. ❤️

[@user-dv3gm5iv3q]

I’m a single mom who used to live in/manage income based housing. Hearing the words paying market rate in income based housing just took me down. It’s like you’re stuck with having just enough but never enough. I hope your family is blessed.

[@zoiiw19]

Your kids are so grateful to have a mom like you, you are amazing.

[@DiaryofaSingleMom-ov7xf]

Thank you so much for the Super Thanks. Thank you for the positive words of encouragement.

[@KerryOnly]

Just found your channel, sending prayers!

[@DiaryofaSingleMom-ov7xf]

Thank you so much! I will take this and apply it to my debt.

[@mandywindwalker6207]

@KerryOnly That was so sweet 🥹

[@serbgirl502]

Congrats on being monetized! No one deserves it more than you and Ashton!! ❤

[@DiaryofaSingleMom-ov7xf]

Thank you Sebigirl❤️

[@JesiahAndShayy]

@@DiaryofaSingleMom-ov7xfgirl how’d u do it im trynna get monetized lol

[@kay9038]

​@@DiaryofaSingleMom-ov7xf If interested in a wfh job paying $23 hour reply.

[@straw1berry11]

@@JesiahAndShayy I think you need a certain amount of subscribers and views to get monetized

[@JesiahAndShayy]

@@straw1berry11 I reached it already thank u

[@juliewoods6810]

My take home pay is about $100 less than yours in this example- I’m a single mom in Oregon with two daughters, 17 and 13 and I also don’t receive financial assistance or child support. Thank you for making relatable content and thank you for being a custodian, that is hard work! 🌸 many blessings to you 💕

[@DiaryofaSingleMom-ov7xf]

Thank you Julie❤️ It’s hard surviving off this but I know where my money is going and when I get any extra I make sure to put towards my sinking funds so I don’t have to scramble to much for certain things. Yes! Being a custodian is hard work that should be more appreciated.

[@SunshineLove26]

Yall deserve public assistance! What is going on?!?

[@shutupnvibe]

@@SunshineLove26 same thing I said.

[@lynnn3891]

watching this making 16$ as a 19 year old thinking how i’ll ever get out my moms house. Your video gives me a lot of hope and encouragement for the future despite the amount i make. I plan on saving 5k in 4 months🎉🎉

[@DiaryofaSingleMom-ov7xf]

Keep your head up. You can do it. Work real hard in your younger days so you can enjoy your golden years. I believe in you.

[@connietello915]

Fingers crossed you can do it. I'm rooting for you!!!

[@Belluser-we1uc5cb2l]

Get a studio apartment. Worse case scenario, find all loyal person you can call a roommate.

[@wagonhound_official]

It's possible. After I got done traveling at the age of 22, I went down and lived with my grandparents in Texas, and I saved over 3k in 3 months working at 7-11 for $9 an hour, just 40 hours a week, rarely any overtime. Use that time at your parents wisely, and don't forget to have fun too. I rode my bike everywhere and I still got to play music at an open mic at a bar every Tuesday. And they lived in a suburb of Austin so about once a month I would ride my bike the 25 miles to 6th Street and got to let loose. After everything was said and done, I was able to move back to Idaho (halfway across the country) with my friend and get into an apartment! You can do this

[@wagonhound_official]

ALSO, after said friend bought a house up there in Idaho (before COVID) I moved back to Texas a few years after COVID and bought a house here in a college town with just 2500 down! If there's any houses in your area that are 200k or less and you think you can handle the responsibility, if you get 10-20k saved in a year you have everything you need for a down payment and closing costs on a 200k home. If you start talking to Mortgage lenders they'll tell you exactly what you need to do. I wish I had done it sooner but I'm glad I was finally able to buy an affordable home at 29

[@joycejackson9315]

You have a really tight budget . However, I applaud you for living far below the average household expenses nationally by far. Amazing . The quality of your budget seems to meet all your and your child's needs. That makes you far richer than the average American citizens today. Bravo.

[@DiaryofaSingleMom-ov7xf]

Thank you. Yes! It’s a small shovel. Your right. I’m meeting all my child’s needs though. I save for a little extra here and there.

[@pagirl913.]

Bless you and your daughter! 🩷🙏🏼🩷

[@DiaryofaSingleMom-ov7xf]

Thank you so much.

[@DiaryofaSingleMom-ov7xf]

@@pagirl913. ok. Sorry yes I had commented about an hour ago. I’m not sure if KZbin didn’t notify of my comment back. Thank you so much.

[@pagirl913.]

@@DiaryofaSingleMom-ov7xf 🩷

[@pagirl913.]

@@DiaryofaSingleMom-ov7xf I will continue to send as I can!

[@carlawilliams724]

Thanks!

[@DiaryofaSingleMom-ov7xf]

@@carlawilliams724 thank you Carla❤️

[@VirtuousLady48]

I live in Tennessee and for so many people here this is a reality. There are still companies that pay $10 and $12 per hour. And I'm speaking of County government jobs as well as big franchises. Thank you for being so transparent. This will actually bless those who dont make larger incomes. I raised 4 kids alone with not much more and it was hard then. (they're all adults now) I pray God's blessings and favor over your life. May he bless you for being a blessing.

[@DiaryofaSingleMom-ov7xf]

Thank you so much for being transparent as well. Thank you for your support as well.

[@yayableu]

Both my parents were custodians- elementary and middle school. I send you lots of love and respect.

[@DiaryofaSingleMom-ov7xf]

@@yayableu thank you. Yaya❤️It’s a hard job but someone has to to it.

[@loveandlife0301]

Spectrum has a 100 speed 29.99 a month plan. They just don’t like to advertise it. I would call and ask if you can switch to it, it’s plenty for 2 people. God bless you!

[@queenjasz7685]

Yes I was gonna say call them and see if you can go lower in your “speed”. I work from home and the 100 works just fine. Dont let them talk you into staying in a high speed bc they absolutely will !!

[@IslaSaona1]

Instant subscriber as well. This is so realistic without any fancy apps, planners, stickers, etc.

[@DiaryofaSingleMom-ov7xf]

Thank you! Yes! I keep it plain and simple. I love pen and paper.

[@mschmidt9077]

I'm sorry for your loss. But I appreciate that your budgeting is so much more relatable to real life! Thank you for putting yourself out there! I'm glad I came across you.

[@DiaryofaSingleMom-ov7xf]

Thank you. Yes! I tried to be accountable for my spending, saving and paying off debts on my income. It’s hard to share and put myself out there but I’m glad I did because people are seeing if I can do it on my low income they can do it too.

[@shannonfowler6345]

I'm not a single mother, but we're a one income household. My husband gets paid $14.00 an hour at 40 hours a week. There are 4 of us in my home.

[@petscraftsandwonderfulthin1279]

Wow! How do you guys do it???

[@FUJIIDEW]

It's not much but best of luck

[@DiaryofaSingleMom-ov7xf]

Thank you so much. You didn’t have to do it. I appreciate anything. A blessing is a blessing. Thank you

[@angelarothbauer8096]

My son makes about what you make - and is a single dad - he bought a house 6 years ago for a very good price- his mortgage is low so that helps- nothing fancy but it works

[@DiaryofaSingleMom-ov7xf]

@@angelarothbauer8096 Hi Angela. That is great for your son. He did the right thing. I wish I would have bought a house years ago. I’m price out of my area for my income now. Even as a single person and I make 20 an hour I’m still priced out of my area. I’ll be lucky to just by a trailer at this point. There is nothing wrong with trailers if you maintain them. I just wish I would have bought a home years ago when I had the money and less debt.

[@LarissaBethS]

Thank you for posting such realistic videos! I love your content. Your budget is very similar to mine. I’m a single mom making $14 an hour with no extra help. All the other videos I see are cash stuffing these challenges that cost money to get and I don’t even have enough to pay my actual bills. You’re doing great things! ❤️

[@DiaryofaSingleMom-ov7xf]

Thank you Larissa. I wish more people would share their budgets. In times like these we must get the most out our money and be mindful of our kids and our future. Keep on pushing mama you got this

[@exxology1]

It’s not much but want to wish you and your daughter a blessed life.

[@DiaryofaSingleMom-ov7xf]

Thank you so much. ❤️No blessing is ever to small to me. I’ll take this an apply it towards my debt.

[@rachelcrossen8136]

You are so responsible with your income. You will be blessed for that. I’m sorry for the passing of your gramma. They are so special❤

[@jimkuntz8423]

Way to go, i a the wife that comments. You are doing great.

[@kaylierogers2059]

Good luck to you and your son. I pray for prosperity and peace for you and your son’s future. I have a single mother and she is an incredible woman. Respect to you.

[@DiaryofaSingleMom-ov7xf]

Thank you so much. Mom’s are super people and especially single one’s I say mom’s cause being a mom is not a easy job.

[@myahsmybaby]

I think you are doing such a great job. Have you ever thought of doing house cleaning? I do it here in Iowa and I'm able to make my own schedule and charge $25/hr..or maybe just as a side job..just a thought. Good luck to you. I'm praying things get easier.

[@DiaryofaSingleMom-ov7xf]

Thank you so much Myah I use to do house cleaning as a side hustle but had some bad experiences so I stopped I may revisit it in the future.

[@Daniel-iy4zy]

I’m glad you’re monetized now; I’m sorry for your loss!!

[@DiaryofaSingleMom-ov7xf]

Thank you Daniel❤️

[@cassiebozeman2599]

Update: I got the job!! 👍 If I get the job I’m interviewing for, this is close to how much I will make. I’m so glad to find some information on this!!!!! Maybe make a video on the groceries specifically. Would love to see how you use what’s in your stock pile and what you buy to go with that, meal plans etc

[@DiaryofaSingleMom-ov7xf]

@@cassiebozeman2599 hi Cassie. Yes! 16 an hour may not be much for so many but you can survive on it with strategic planning and budgeting.

[@DiaryofaSingleMom-ov7xf]

@@cassiebozeman2599 I hope you get the job love ❤️

[@cassiebozeman2599]

Thank you! Would love to see a video on how you do the grocery thing!!

[@lizs9414]

Same here. Have an interview tomorrow for a $16/hr job. Hoping it goes well!

[@cassiebozeman2599]

@@lizs9414 good luck 🍀

[@mileycyrusfan4ever35]

It’s so nice that someone has a realistic pay check!! This makes it seem doable so thank you!!

[@DiaryofaSingleMom-ov7xf]

Thank you!

[@12thatguyoverthere]

God bless

[@DiaryofaSingleMom-ov7xf]

Thank you ❤️

[@Ryanthefrugal]

love this simplistic style of budgeting. nothing fancy and cheap. i always laugh when i see people buy $50 budgeting diarys when they could of saved $50. keep it up

[@DiaryofaSingleMom-ov7xf]

@@Ryanthefrugal thank you! I get what your saying. I could use that money towards something in my budget. I also understand people like what they like and it’s the pretty things that catch their eye. I guess it’s no better than me spending my money on things I like though. For me I just don’t want to spend a lot of money on budgeting things. I love me some paper and pen. It suits me well. Thank you so much

[@Elsiiiie]

I appreciate this so much. Sometimes I see people with a $4k budget. Or $6k a month budget. This is much more realistic for us folks in the same pay range / salary

[@Singlemombalance]

I have spectrum internet as well (WA State) not sure if you have done this yet. I called spectrum internet and try to negotiate a lower rate for internet. I did and went from $72 to $52 for a year. Whatever I can do to reduce my month expenses helps. Single mom, no child support, foods stamps or any help. I do it all alone, but God is faithful!

[@Brunettebeach]

Same here!

[@caesarq7513]

Yes. $72 seems high. I pay $50 in my area for decent service. ❤

[@caesarq7513]

That comp time scheme of there’s doesn’t sound legal. I am pretty sure any hours over 40 in a week must be paid out at time and a half in that check. Sounds like they are cheating their employees out of over time pay and breaking the law unless I’m missing something.

[@samyud1819]

Another thing w internet and phone bill is to negotiate it yearly. I always get on chat with an associate each year for both my bills and ask for any loyalty discounts. “Try to leave” their service for a retention price etc. this really really helped. Before some states used to have ACP program which covered a base wifi plan $30, sucks that they ended it but check also if they have any program similar in your state.

[@opticspace1868]

Im in a much better position than I used to and I can still feel the intense stress through the screen from you. You are an amazing mother. Things will get better. ❤

[@DiaryofaSingleMom-ov7xf]

Thank you! Yes! It’s hard but God is really giving me strength and providing for me and Ashton. Yes I believe things will get better for me.

[@patriciaoneil184]

Congratulations for reaching over 4,000 subscribers!!!!

[@DiaryofaSingleMom-ov7xf]

Thank you Patricia ❤️plus what a wonderful name. My mom name is Patricia.

[@Smooshes786]

I just now had her channel come across my feed. It’s a lovely channel and I subscribed today.

[@junes8796]

Blessings will come to you. You are honest, responsible, and intelligent. Bravo

[@DiaryofaSingleMom-ov7xf]

Thank you so much. Blessings to you as well.

[@oliviarucker5013]

This is the first video I've seen of yours. We are a low income family of 4 (almost 5). My husband works full time and I work a few hours a week. This was inspiring and very relatable. I pulled out my paper to budget with you. 😊

[@DiaryofaSingleMom-ov7xf]

@@oliviarucker5013 thank you Olivia. I hope it helps you get your budget in order. I know everyone’s needs are different but sitting down and planning and mapping where your money goes will help you to understand if you need more income or need to cut spending so much on wants. By the way great name. My daughter middle name is Olivia and her cousin has the same middle name as well.

[@brendabeelee]

It’s my first time watching too ❤

[@atomarch3.0]

Thanks

[@DiaryofaSingleMom-ov7xf]

Thank you so much

[@Daniisavibe]

This is not my financial situation and I am SO EXCITED TO LEARN. bc lifestyle inflation got ya girl. I need to get realistic

[@Intentional-frugality]

One of the few very realistic budget on KZbin I can truly appreciate it and can relate too ❤

[@DiaryofaSingleMom-ov7xf]

Thank you! I try to show how I live hoping that it may help someone that’s living just like me.

[@NongAii]

I love how transparent you are with your income and finances. Your content is extremely relatable and shines a light on the importance/possibility of budgeting regardless of income.

[@411sponge72]

This is the problem when it comes to benefits and subsidies. You are a young, smart, hard working lady trying to better yourself. You make a little extra money whether it's getting promoted or getting a new job and then the government says you make too much and then all of the assistance and subsidies goes away. That's just wrong. There's no incentive for people in general to better themselves. What should be done is to assist you MORE. That would help get you in a direction where, in the future, you won't have to rely on government assistance programs. I wish you the best of luck!! ❤Keep up the great work and you'll get there!! 😊

[@heatherluka2365]

It seems the government wants to keep ppl poor. It truly isn’t adding up yet when you’re wealthy you are very wealthy with little to no taxes needed to pay in. It’s all just sick and so sad. No single mother should be making such low wages. I pray and pray I change my ways and pray some more . I’m beginning to think this is hell. I’m losing any kind of hope I had left and can’t seem to make goals anymore since it always fails can’t afford hobbies/friends/life/time away/anything that brings joy and fulfillment I’m truly at my breaking point. How does the government get away with this?

[@RAWNREALFAITHUNLEASHED]

Thank you for sharing this !!! ❤ GOD BLESS YOU!! Single mom with zero child support since day 1 here !! This is so much more realistic. So simple. Thank you for sharing!!

[@sharondunn6513]

You are smart, hard working, and exercise great self-control. Also you daughter is so blessed to have such a great mom. I brought tears to my eyes to think that a vacation and death in the family could end up setting you back. Even though you have had another set back with the trip to urgent care, you have a great attitude and show trust in God.

[@Cashstuffwithjazz]

I'm from the UK but I thoughly enjoy these bi weekly budgets as well as your cashstuffing videos ❤ keep being fabulous hun ❤

[@DiaryofaSingleMom-ov7xf]

Thank you Jamie❤️

[@BarbaraMoore-ju1he]

I'm from the UK too and I'm so glad we have the NHS

[@suvi1502]

I’ve recently started budgeting. I’m 21, almost finished a bachelors, but still living with parents and have no car. It’s tough coming from a low income household. I just got a job at my local vape shop, praying I also get a job at a library nearby. Been planning like crazy to see if I can make it on my own, since I have no significant other to help nor do I want one anyways. And home is not a safe space unfortunately. It’s gonna be tough when I start my masters cause I still have to work at the same time. But I’m determined. You inspire me. If you can do this as a single mom, surely I can. Prayers to you both ❤

[@journeyldae]

I really appreciate your vulnerability and honesty in sharing your finances. I grew up very sheltered as my parents didn’t often talk about finances because they didn’t want me & my sister to ever worry, and I’m so grateful to have such good parents but now I’m almost 22 without much knowledge about finances or how to budget! You’re such a big help and I wish you the best

[@DiaryofaSingleMom-ov7xf]

Thank you! I grew up in a household where we didn’t have a lot. My dad was a better money manager before he let his schizophrenia take over. My mom made sure all her bills were paid but she was a spender. Never saved a dime and still don’t to this day. She’s 70 and still working two jobs. She just started a 401k two years ago. She receives social security already but still isn’t looking out for her future.

[@DiaryofaSingleMom-ov7xf]

It’s good that you’re thinking about your future now. Please don’t wait to long.

[@ericajohnson7121]

Hey, nice video. I dropped cable 9 years ago. I just have internet and firesticks. I save a lot doing this. You are doing great.

[@shukriramlee]

I feel you when you thanked to the gift card provider.

[@DiaryofaSingleMom-ov7xf]

Thank you

[@brittanybrockmann]

Automatic sub. Thank you for being real and honest. You deserve good things to come your way

[@DiaryofaSingleMom-ov7xf]

Thank you so much Brittany

[@addictedtothebold]

I can relate so much. I write down all my expenses using Google sheets.

[@kinarey]

You’re an awesome mother. I’ve been on the same budget raising two boys with no child support or government assistance. 🧡🍂🙏🏽 keep strong and you are setting up for a great future 🧡🍂🙏🏽

[@alyciahunter9860]

This is so encouraging, I work for a community college and drug store and bring in about this much with a child. Watching you definitely will give me some ideas.

[@DiaryofaSingleMom-ov7xf]

Thank you Alycia. I hope this helps. Do you mind me asking. Do you live alone as well? I’m trying to see if other people with lower incomes live alone with kids as well. I’ve had someone tell me it can’t be done.

[@vlissblisskiss]

you're doing an incredible job. seriously. 90% of ppl in your position struggle so much worse because they don't have a realistic budgeting process. and it's so nice that you provide this knowledge and process to the wider internet.

[@vlissblisskiss]

and no matter what anyone thinks, 16/hr is NOT ENOUGH in what is supposed to be "the greatest country on earth"

[@DiaryofaSingleMom-ov7xf]

I'm trying my best to show everyone that it can be done. Thank you!

[@danafelipe4527]

A loving and hardworking mom. You deserve all the success in the world. ♥️ Hope you reach your goals and dreams in this world

[@DiaryofaSingleMom-ov7xf]

Thank you so much Dana. Much Blessings to you as well.

[@diakim753]

Youre doing great. Your kids will look back on these videos one day and see how much their mom loved them.

[@Restingmadface]

I saved your latest videos to my watch later list. 😊 I hope everything starts looking up for you financially. You deserve it.

[@RedBonedAphrodite]

When I say I clicked and subscribed so fast when I saw Duke Energy on your list!!! Im new to SC and the difference in income is nuts and I've been feeling overwhelmed and exhausted with my circumstances. Im not bad off by far I know in others eyes the stress is real. I thank you for being open, honest and willing to show what you deal with on a regular basis.

[@DiaryofaSingleMom-ov7xf]

Thank you. You in Sc now? What state are you coming from?

[@jamiewoods3778]

I’m so glad I found your channel!! I love the cash stuffing videos, but I get so discouraged because most of them stuff $1,000 at a time. I also get $16 an hour and get paid twice a month. Also a single mom. I’ve been trying to cash stuff for a few years with no success.

[@DiaryofaSingleMom-ov7xf]

You got this! It took me a few tries to get a system that works. Keep at it. Are you making it off $16 an hour? Is it hard where you live? I wish more people with our income would come and budget because it gives me idea if others are making it on a low income

[@gimcrack555]

Budget is always the key. Found out what comes in and what goes out. But another key is try to lower some of that stuff you have to pay every month or bi-monthly bills. Look how to lower things or alternatives or can live without. Try to hustle on the side to make some extra money but the same time cutting costs when it's possible to do.

[@DiaryofaSingleMom-ov7xf]

Thank you I agree with all your tips.

[@natashav6432]

New to your channel , thank you for sharing a * realistic * budget video -$950 still seems high for low income housing . Times are so tough . I feel like I'm always robbing Peter to pay Paul so to speak

[@DiaryofaSingleMom-ov7xf]

Thank you! Yes! My income is higher therefore my rent has increased. I started out paying 46 dollars now I’m up to 950. I barley had any income when I paid $46

[@priyasahota984]

Thank you so much for the vulnerability, this is so encouraging seeing realistic content

[@DiaryofaSingleMom-ov7xf]

@@priyasahota984 thank you! Yes I hope it’s helpful to some. It’s hard putting all my business for everyone to see.

[@Cherylisea]

I have been watching you for ever feels like. Im so proud of you and all that you have accomplished over this time. I want you to know your budget is so relateable to many of us, and we appreciate your authenticity.

[@tndee]

Emily, I'm glad you're feeling better. Good Job focusing on getting caught up.

[@DiaryofaSingleMom-ov7xf]

Thank you TNDee. It’s be bad couple of days but I’m getting through it. I couldn’t shake the sickness so I had to go get into more debt and go to the er and urgent care.

[@natalierussell4573]

This video was so calming to watch. Your voice is so soothing!

[@lizwidner1208]

I just found your channel and you seem like such a sweetheart!!! You inspire me, single moms are heroes!!! ❤❤❤ I am working through debt myself and on low income, but you are amazing to me, I do not have a child myself (though I would love children someday), but I can understand money struggles at least somewhat. I look forward to seeing more videos from you, I can tell you are a kind soul and God bless you! Also, it’s kind of refreshing to see someone do a cash stuffing/ budgeting video without blinged out nails- it just always felt odd to me when someone did that!!! Nothing wrong at all with manicures, I just thought it was funny if someone was doing a budgeting video with fancy nails 😂 Your nails look lovely all natural! Mine break all the time, so I just paint mine myself LOL but when I’m debt free I’m hoping to have room in my budget again to get them done in the salon. Blessings to you! ❤

[@DiaryofaSingleMom-ov7xf]

Thank you so much for your sweet words! I appreciate you!. I use to get my nails done but they aren’t in the budget anymore. When I think about how much I use to spend it makes me cringe. I love nails but I’m going the press on way now whenever I get the time to do them.

[@tinalaws7506]

New subbie here. I'm so inspired by you! Keep your head up and be proud of your success!

[@DiaryofaSingleMom-ov7xf]

@@tinalaws7506 Thank you! Tina.

[@tinalaws7506]

@@DiaryofaSingleMom-ov7xf you're welcome! Thank you for responding! I can't wait to watch your journey ❤️❤️

[@amorous_critic]

I hate that you are paying market level rent in subsidized housing!!! They need to evaluate those percentages because at $16/hour single income is so crazy that you don’t qualify. I was a low income single mother for many years, you are doing it right. My saving grace was being able to buy a home at 22. It provided stability and affordability for 15 years until I married my husband. You are really doing a great informed job and I hope this channel continues to thrive!

[@DiaryofaSingleMom-ov7xf]

Thank you Amelia. Thank you for your testimony as well. I’m planning to move soon. I’m working on paying off debt and hope to buy a house for my daughter and I. I want to be able to leave something for her when I pass. Thank you so much for your blessings

[@07ikkin]

Hi! How were you able to get a house at 22? Taking notes ✍️📄

[@amorous_critic]

@@07ikkin this was in 2008 right before the subprime housing bust. I live in a lower cost of living area- in the Midwest, I had a full time job, had recently graduated college and had a good (but not great) credit score at that time, and bought a house that was 60K. I only had to put 5% down, and my realtor advised to have the seller pay closing costs to keep what I had to put down to less than $3K. I had a very manageable mortgage payment on that loan, and refinanced several years later to a lower interest rate. My mortgage payment including taxes and escrow was around $575 average.

[@07ikkin]

@@amorous_critic oh WOW. Do you have it paid off now? And thank you for sharing. I stress so much about the cost of housing. I am doing okay but unless something changes, I'll be paycheck to paycheck in a few years

[@Allegedly..Angela]

Thank you so much for your videos. Im trying to make it out here and just started doing a weekly budget since i get paid weekly. I appreciate you being so open about this topic. It helps me for 1

[@DiaryofaSingleMom-ov7xf]

Your welcome. Yes ma’am a budget is a must no matter how much you make. Everyone needs to plan where their money is going.

[@shanieserobinson9704]

I started having to write out bills to help me budget as well. Right now, my wife has been healing from surgery the past few months. So Ive been covering the bills. Main thing I do is split the rent out of both checks during the month, it definitely helped me out. But you are doing a good job budgeting with what you have.

[@velvetandverain]

I'm working two jobs and trying to get my budget together, nice to find a budget video that I can relate to. Best of luck to you on this journey!

[@DiaryofaSingleMom-ov7xf]

Thank you. I know it’s hard to work two jobs. I’ve done it before. Make sure you take time out for you. You can’t pour from an empty cup. Schedule a nap in for you as well.

[@josephinedavis2851]

I just found your channel, and want to thank you for your honesty and showing us what a real budget for low income family. I also want to make a suggestion on your food budget, many churches and food banks give out foods for people in needs . I do this at my own church once a month God Blessed you and continue to work on your budget.

[@nancykay4128]

I’m a new subscriber and appreciate you sharing your challenges with us. I’m looking forward to watching some of your older videos as well.

[@BrokeB4Bedtime]

I love the realistic video! Im not in the same place now but ive been in a pinching pennies spot before so i feel this. Congrats on being monetized!

[@meloi661]

Thank you for sharing. Although I make a good salary my spending is off and I have a very large mortgage payment that after that is paid I do not have much left. I need help with budgeting. Thank you for sharing. On a side note just a few year ago, my salary was very similar to yours and my income just changed with a new job I got last year. I pray for you for continue financial growth! Good to be smart with money at any level!

[@sunshinenday3439]

Just came to say RESPECT! ❤

[@crystallee1650]

It is so good to see a real down to.earth budget.

[@Smoove_662]

God bless you and baby! You are an inspiration to so many women! He is using you for your strength and to show others how strong they are. Stay blessed! 🖤✌🏾

[@DiaryofaSingleMom-ov7xf]

Thank you so much!! I really need the positive words of encouragement

[@MRI_Technologist]

Proud of you 👍 Being a real adult, very respectable.

[@gabriellechilton5902]

Thank you miss custodian. I appreciate what you do. I worked in schools for at least 35 years. I am retired. I was not a teacher, but started as a cafeteria lady, moved on to work in the district in various capacities. I have a great retirement because I worked in a school district. I started as a single mother in the district when i was a young single mother. So stay where you’re at, and keep doing what you do. It isn’t easy i know that for sure. But when your a OG like me.70 years, you will be glad you did. If you can when you can. Pay at least one of those monthly utility bill for 1 year. I know it’s hard, but………you will be surprised how that annual payment helps you save , because it helps you purchase things like. A nice little outing with you and your kids, frees up money for Christmas. Or, put that money in an emergency account. Oh and working for a school district. Get yourself a small side hustle. If you can sew, let be known . Advertise, that you do Hems ( as it in skirts and pants) . You will be surprised once that word gets out……you will make some money. I did that for years. And worked, and raised boys. If you can’t sew…..KZbin is your best friend and will help you. If you need a sewing machine. Buy from estatesales and garage sales to find one. Cheap and cheerful 🎉

[@DiaryofaSingleMom-ov7xf]

Thank you! You’re right, it isn’t easy. I’m glad you were able to have a great retirement after your hard work in the school district. Thank you for the suggestions and tips.

[@vianeyalexandra]

Stay strong mama you're doing great!!

[@DiaryofaSingleMom-ov7xf]

Thank you ❤️

[@kishasneed585]

Love the video, you will get caught up with your bills just stay focused.😊

[@DiaryofaSingleMom-ov7xf]

Thank you Kisha ❤️I’m trying. Life is lifeing right now. I’m going keep pushing though

[@drellz9361]

Love to watch your channel so proud of you keep going it will pay off for you

[@DiaryofaSingleMom-ov7xf]

@@drellz9361 thank you

[@make.it.rainer]

Ahh i love love LOVE this! It’s so motivating to see someone in a similar situation as me who is able to make it WORK! Thank you for being such a great example ☺️

[@DiaryofaSingleMom-ov7xf]

Thank you! I’m happy to help in any way possible.

[@Not_PretendingTV]

I'm glad this channel is doing well💪🏾💯

[@DiaryofaSingleMom-ov7xf]

Thank you! ❤️

[@chingonacouponer]

Awww I love that. I learned how to braid from TikTok and KZbin. I save $250 😩

[@CleopatraSelene2]

I haven’t watch one of your videos for ages & I really enjoy your honesty around budgeting. The struggle is real & we are all just getting on with life doing the best one can. Sorry for your lose ❤

[@DiaryofaSingleMom-ov7xf]

@@CleopatraSelene2 thank you Marie. You are right. We have to do the best we can. I’m definitely learning that. I would get down when I would have a setback but I’m learning it’s going happen so let me just keep pushing

[@Trustbutverify2651]

This is a really good and inexpensive home made laundry detergent that I have used for years. Grate (using a box grater) 1 small bar (4.5 oz) of Fels Naptha soap, Grate it as fine as you can (you can also put the grated pieces in a food processor if you have one, but it's not necessary.) Mix the grated soap with 2 C Borax, 2 C washing soda (not baking soda). You can use Ivory soap, or Dr. Bonner's castile soap instead of Fels Naptha, but that will not remove stains and heavy soil as well as the Fels Naptha. You can also add a cup of baking soda to this mixture, but I find it works just as well without. Mix well and keep in an airtight container. Use two tablespoons per load of laundry. This works out to about 6 cents per load. If you have a front loader, you can put this in the dispenser tray and if you have a top loader, just put it in the bottom of the drum and let water fill a bit to dissolve before adding clothes. The only disadvantage is you might have to buy a larger box of the Borax and washing soda as these do not come in smaller sizes, but this recipe works very well. Fels Naptha soap is also an excellent stain remover - dampen the spot on the clothes and rub with the bar of soap. This will NOT suds up, but will work very well. It also will not hurt a H-E machine.

[@DiaryofaSingleMom-ov7xf]

Thank you and thank you for the washing powder recipe.

[@Smooshes786]

My Mum just asked for a bar of this! Said it’s also great on stains. I had no idea we used this when I was a child.

[@Trustbutverify2651]

@@Smooshes786 It is great on stains - that's why it's in the "DIY laundry recipe." If you're using it as a stain remover, dampen the spot, then rub on the Fels Naptha soap and let the garment sit for a few minutes, then launder as usual. I love using this soap b/c I'm big on no plastic waste which is what the bottles of stain remover come in - and a bar of this lasts a long time.

[@Smooshes786]

@@Trustbutverify2651 thank you for all this information! We have the bar and the borax now and soon the rest. I tried the no waste natural laundry strips which were “ok” but definitely not great for any stains or discolouration. Thanks again, I’ve kept the recipe you shared and am happy for this new change!

[@mydollarswork]

So much about your videos I love💚 The realness, your recording set up, your 100 envelope box💚, you being a custodian. Keep doing what you're doing, it will pay off.

[@Keech209]

God Bless you and your family 🙏🏼❤️

[@musicart2007]

Just found your channel and INSTANTLY subscribed. I'm so excited to see a realistic budget. You're doing it, new friend!

[@DiaryofaSingleMom-ov7xf]

Thank you Music Art. Happy to have you here and thank you for supporting my channel.

[@Derricaluv98]

I just found your channel, and I just want to say you are doing amazing! I just bought a home and your channel will help me stay accountable for budgeting.

[@DiaryofaSingleMom-ov7xf]

@@Derricaluv98 Thank you! Yes! Budgeting will help you stay on track better.

[@thetillerwiller4696]

I’m 18 and make the same, but I work at a theme park so not full time. I remember feeling like I have nothing, but now I see that I am much blessed compared to others

[@DiaryofaSingleMom-ov7xf]

And that you are. People want us to feel bad and the enemy want us to feel bad but we are still blessed. If we woke up with a roof and food in our stomach we are blessed. Do we want a little more? Yes we do but let us be thankful for what we have now. Blessings

[@thetillerwiller4696]

You are so right. Waking up with a way forward is the best that life can give us!

[@AprilGarciaDfw]

You should start a cleaning business in residential or commercial since you already have the skill and experience doing it. I am a single mom myself. God bless you

[@DiaryofaSingleMom-ov7xf]

Thank you. I had my own side hustle of cleaning houses before. It was stressful so I let it go. I may revisit it in the future.

[@AprilGarciaDfw]

@DiaryofaSingleMom-ov7xf you can always hire employees or work with sub contractors and take a percentage of each job

[@jpritt5522]

New subscriber and fellow single mom. Thank you for the relatable budgeting and look forward to going through your videos ❤ side note when i compare companies for internet, if you tweet the company they usually come through with the deal vs calling.

[@twelvepawsmom7682]

I'm so glad you have that retirement. Great budget! ❤❤❤

[@DiaryofaSingleMom-ov7xf]

Yes! It’s definitely going to save me in my future. They way things are going with the economy might not be no social security in the future. Thank you for the Covid care package. I should be showing the items in the next coming videos. Im going attach my happy mail to one of those. Thank you so much.

[@eze6455]

Great budgeting! Short term disability and/or long term disability are so wonderful to have if available through one’s employer. For jobs that don’t include it at no cost it’s typically very affordable (less than $10 per pay period). It can be a life saver when you have to take time away from work to take care of your health while under the care of a medical provider (physical or mental). Great channel!! Great video! Subscribed!

[@StrongerThanStroke]

You are an amazing steward of your finances. This inspires me to start my savings challenge as well 🤍

[@DiaryofaSingleMom-ov7xf]

Thank you! I hade a small shovel but I try to make it stretch as much as possible

[@DiaryofaSingleMom-ov7xf]

Thank you for the super chat as well.

[@marz367]

Me watching this making 16$ hour since 16 pushing carts at menards, in high scool part time, getting 40 hours in summer and 20-30 in school weeks, im currently 17 and senior, just did 27 hours last week (also make 19 hr the weekends which i work ofc)

[@jennifertigges6865]

This is so relatable, good for you really making ur budget stretch! I have a lot of respect for you, I am in a similar situation myself.

[@DiaryofaSingleMom-ov7xf]

@@jennifertigges6865 thank you Jennifer.

[@margaretsilva8472]

Good luck sister in Christ. You are doing a great job snd showing a lot of responsibility in the choices you are making with what you have. God bless!

[@DiaryofaSingleMom-ov7xf]

@@margaretsilva8472 thank you so much for the positive comment. I need more supportive people like you❤️