February 20th 2019 Paycheck Budget Overview

Today, I am bringing you with me on my budgeting journey. We will be going over the paycheck that I received on February 20, 2019. I am only one day away from being 100% self-employed, and big changes are happening with my finances.
I have been sharing my real budget for over a year on Instagram, but only recently started sharing my budget on KZbin. By sharing my actual budget, I hope to show you the process and steps behind paycheck budgeting. I also hope it helps you understand the psychological decisions behind money management.
LINKS REFERRED IN THIS VIDEO
How I Track My Expenses: www.thebudgetmom.com/how-to-c...
12 Month - 12 Savings Challenges: www.thebudgetmom.com/12-month...
The Budgeting Method That Changed My Life: www.thebudgetmom.com/the-budg...
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How to Start Using the Cash Envelope Method:
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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!
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[@TJ-fi7cb]

Congratulations!! I get paid once a month as well. A suggestion could be to pull money out for your cash envelopes once a month, then split that into 4 (or 5) separate weeks. For example, say it's a 4 week month, if you take out $500 a month for groceries, you can split that into 4 separate weekly grocery envelopes. Grocery Envelope Week 1 $125, Grocery Envelope Week 2 $125 and so on. I had 4-5 weekly envelopes per category (depending on the number of weeks in the month). Or you can just use paper clips to clip your alloted money for each week and still only keep one envelope per category.

[@BurntMarshmallows]

Love the new budget sheet with the envelope break out. Congrats on the next chapter as well!! So awesome to watch your journey and how you adapt, refine, and innovate. Truly inspiring

[@sarahcb5452]

I love how organized and pretty your planning is, that makes all the difference to me. I have to see it to do it

[@StarlahMutiny]

I can tell you right now, these videoa are so so helpful and I'm so glad I came across them. I'm excited to see youre once a month bill plan because that's where I'm heading and what I'm working toward. I can't wait for the new workbook pages for the shop!!

[@maritzajaime8510]

Can’t wait for the new releases! I am soo excited! Thank you TBM ❤️

[@katyv4614]

I recently retired and went from two paychecks a month to one check a month... I will be looking forward to watching your videos on budgeting with one paycheck a month.

[@altaneri6980]

We get a paycheck every week, but use my checks for the bills and my husband's for savings. I got paid today and budgeted for the bills to pay next week. I love the cash envelope system. Love your videos. Good luck on your new adventure.

[@MichelleNaomiConner]

I've been watching many many videos over the last year or so all about budgets and tracking it. And I think finding your videos really allowed me to take control of my money coming in this month. I started tracking everything on paper. Before I was sometimes tracking them on Everydollar. But was getting lazy and not keeping track. For me its become alot easier to track the money when tracking everything on paper. This is the first month I have tracked everything on a calendar and highlighted and I liked looking at it and see what days I have been spending more and ways that I can changed with the upcoming months and start taking full control over my finances to become debt free.

[@melindasmith7400]

I am so happy about this!!! My husband and i also get paid at the end of every month. Love to follow you and get some inspiration from you!!

[@16Table]

I’ve been using this method for the last three months, I’ve saved so much, not gone overdrawn, and love using the cash envelope system, thanks 😊👍🏻

[@Birdmom1823]

I couldn’t click any faster haven’t seen the video yet when I’m already clicking! 😆 love to be part of the TBM FAM❣️

[@bohemianscrapgirl]

I work for the state and we get paid once a month. I cannot wait for your next video on getting paid once a month. This video was so good. Thank you so much for your information.

[@beverley7189]

Congratulations on your success to becoming self-employed 👏🏾👏🏾! Very happy for you! Can’t wait to see what’s to come and very excited for the new hard copy Budget Book. TFS 💕

[@crystalgale15]

I love the new tracker! I don't have debt now and I am on my savings journey too. This is more ideal for my situation now. Thank you for sharing! 😊

[@MyLiveShowVault]

I just paid off one of my credit cards thanks to the inspiration you gave me thru your instagram and videos, thank you so much Kumiko!! Greetings from Mexico

[@aprildawn1352]

I'm really wanting to start making budget videos myself! I love your videos they are so inspiring 😍

[@pollydolly9723]

Very clear and concise- I will be purchasing your new hard copy binder ❤️

[@TheGkeams]

Congratualtions! I also want your new cash envelopes!!! The print and color are so pretty. 😍

[@Hurrygoon]

Recently found your channel and i am so inspired to get my budget under control! I have a new baby coming in May and just started freaking out about finances...will be looking forward to the new binder system!

[@trblessed1020]

Congratulations 🎉🎉🎉 you deserve it!!! You helped me tremendously

[@mariama1157]

Love it. Inspiring ❤️

[@SilviaHonores]

Outstanding!

[@Practice_Kindness-1st]

I get paid once a month and have found it to be great because I have all my bills (utilities, iTunes, ASPCA) charged on my credit card, so I already know what my bills are going to be by the time the 1st of the month comes around. This has enabled me to plan my finances so much easier for the month. Now, can we talk about those pretty cash envelopes of yours?! Love!!!

[@windiejade]

Love your videos🤗

[@budgetrebelgoals]

GREAT VIDEO

[@SuSuKhair]

You're looking hot mama! & CONGRATS!!!!!! I just brought the old workbook. I like this version with all of the areas on one page & the option of having it mailed. So cool, can't wait! Are these going to be on your website?

[@LACLAW00]

Very helpful video!! You do a great job with your forms - what computer program do you use? They’ve really evolved over time - can’t wait for book to come out!

[@marissaho2576]

First like and comment!!!

[@ThreeGsHomeschool]

Thank you so much for wonderful instructions! I was wondering where you keep up with how much cushion you have in your checking account? The funds that you moved from your envelopes to savings, do you keep track of that anywhere? Also, those envelopes are gorgeous! I just purchased several sets during your black Friday sell, but I did not see these. Is there anywhere I can purchase this set of envelopes (the envelopes with the flowers lol)?

[@merissadouglas5848]

Did I miss what happened to the $20 for car maintenance? I saw the $16 for back to school and that was the last cash in your hand, but there should have been $20 left....I wish I had the money for sinking funds but debt. Will get there, been on my budget journey for about 3 years now.

[@lozinthestacks]

Merissa Douglas I believe she transfers that into a savings account instead of a physical cash envelope 😊

[@mssoftballer15]

I love the new layout of the paycheck bill tracker. I literally just bought your budget booklet about 2 weeks ago. Is there a way I can go back and get the new layout?

[@melissachavez263]

love your videos, quick questions; when are the new cash envelope design be available?

[@heidimorgans2546]

I just bought your budget workbook last month (and it’s so helpful!) Will these new sheets shown in this video be available for those who already bought the workbook?

[@firebug235]

I hope you don't mind me being so nosey but I am curious about your 4th of july fund. Do you go out of town or is it for fireworks? Great video as usual!!!!

[@MrsDay-SPEDTeacher]

I just bought the budget workbook. I like your new paycheck bill tracker though. Could I get that version?

[@tina2.07]

Great video. What about the car maint. Sinking fund envelope. It was listed but you didnt stuff that one.

[@dragonphoenix147]

She sends that money online to a savings account

[@AussieMoneyMan]

Grear video. When is the next due?

[@royaleBlack]

When can I buy the binder, will you be shipping to Canada . I want to buy the whole set.

[@treasureyourtime]

Not sure if you realized it, but this video was very blurry. I love the detailed explanation and I look forward to trying it myself in March.

[@wwebb116]

when will the new layout be available?

[@sabrinagraziose6286]

Do I put the buffer left in my checking account as part of income? This is so frustrating! My numbers aren't matching up.

[@sugarmontoya1860]

When will your new tracker update be available for purchase?

[@kathrynweaver6745]

My credit is my main concern at the moment, I looked at it a few months ago, and was very disappointed. I get calls daily from people but I’m honestly unsure where all my debt belongs now. For example, my Victoria secret card was sold to another company so it no longer shows on my credit. (For now). How do I start sorting througj what is on credit and know what if it is still valid. Some debts are 7 years old, some 3 years old.

[@missjamielyn]

What printer do you use?

[@daniellegraham9650]

Do u have a weekly budget book?

[@candi0826]

Did you get your eyelashes done or were they like that. It looks like one eyelash side is thicker or fuller. Sorry I know random lol. Great video like always.

[@candi0826]

THE BUDGET MOM they look nice 👍 it’s good you still budget for beauty. We need that as moms. I’m starting to budget getting my nails done. 💕

[@ReneeSelah]

I love that you budget for beauty! I’m going to add a beauty envelope!

[@nancyrichardson9927]

What do you use your beauty envelope $ for?

[@meeshae81]

How would someone who gets paid weekly use this system ?

[@marijastojanovich2764]

Looking forward to the new videos with one paycheck since that's my case :) I usually spend all of my money as soon as I get my paycheck and I'm left with little or no money at the end of the month. Btw, I noticed a typo on the start of the video: "Real women. Real finances. Real life", shouldn't it be "Real woman" 🤔?

[@Eteeee]

Marija Stojanovik no real women = plural.

[@marijastojanovich2764]

@@Eteeee Yes, I know it's plural. I thought that in the context "The budget mom" it should be singular, otherwise it should be "The budget moms" to fit the plural form.

[@Eteeee]

I totally get what you’re saying, but I think the direction she was going with it isn’t directing the start of the video at her self only. I think she’s directing it to women in general. Real women, real finances, real life.

[@Eteeee]

I wasn’t trying to be rude, I should’ve been more specific in my response. Sorry about that. I hope what I said makes sense

[@marijastojanovich2764]

@@Eteeee No problem, don't worry :). I just thought that women are not the only people that are doing their finances. I thought she was talking about her and her story, that's why I thought it should be 'Real woman'.

[@marlenejohnston4854]

Do you ship your resources to Canada...I would definitely order if I could. Thanks!

[@Eteeee]

Marlene Johnston I’m not sure but you can order the pdf files and print as many as you want

[@iheartpjab]

Did you get botox in your forehead? Sorry for the invasive question...and you dont have to answer. But would love to know your experience if you did. 💜 Congratulations on doing this full time. Ive learned a lot from your videos.