How to Create Your First Budget that ACTUALLY WORKS!/How to Budget

[@katiejo4556]

💜 Thank you SO much for all the positivity you put into your videos! Having debt is such a crushing feeling, but facing it head on helps. I really needed to hear that I can do this!!

[@KateKaden]

You are SO welcome Katie!!!! Hope my videos add some value in your life. I really appreciate your watching and hope to see you in my next one on Friday! Have an awesome day!

[@laurinda9009]

Hey Kate, I would love another 2024 budget video like this, esp with the cost of living rising.🤩

[@alexandria7107]

Second this! ❤

[@michellewalker9436]

Third this😂

[@katey.8719]

Can I fourth this?!

[@debbiekenna9140]

I taught my children to budget as soon as they receive any money.this was hard when they got older but paid off for them.half of their money went into a saving.when they turned 18 i gave them the bank books.two of my three children bought homes at 19 using their savings as a down payment.And im proud to say they still continue to save and they are teaching their kids to save

[@KateKaden]

That is SO awesome Debbie!

[@julies1795]

Well done!! 👍👍😊😊

[@brandyannhunter2099]

I wish I grew up with a parent like this

[@lisatrautner9426]

I have budgeted my money since my first job at 17. My Daddy taught me that to pay him $50 a month for board, then save some and keep some spending money. I just made $96 a week then! I eventually got a job with the Post Office and purchased my own home at age 37.

[@KateKaden]

That is SOOOO awesome Lisa! Dad taught you well!!!!

[@thehealedhomemaker12]

Thanks for that @Lisa Trautner!!!! My daughter makes $1000 /month and I charge her $200 for room and board. I felt guilty at first, but now I know I am not alone.

[@jessicacanfield5058]

Most of my debt right now is medical debt because I did not take care of my health

[@kankerdoodleb9149]

this is a good starter budget...two other categories I would add are medical...for copays and deductible...also pets...not for food but for vet bills and such

[@HomewithCheryl]

I would like to say as far as the house cleaner goes - your giving someone a job, your freeing up time for Kaden, work, and self care aka massages that are all so important! Love this Kate - thanks for filming it!

[@KateKaden]

Thank you so so much Cheryl! Really appreciate you!

[@mariacastillo3090]

Yes yes yes to Cheryl’s comments!!!

[@linda3977]

YOU HAVE A HOUSECLEANER!!! I watched your other video about all the jobs that you have and you talk about some of the other things that you do. I thought how does she have time to clean. Her house always looks so nice AND she has a 5 year old. I was thinking I only have one job and there are days I think if the board of health came in they would condemn the place. Good for you. Money well spent I’m sure.

[@HappyLife-wv5ms]

That is why I now only do my groceries by delivery now. Frees up my time, stops impulse buying AND gives someone a job. I tip big, but I do that to help someone else. Never know… I might need the same assistance one day.

[@fourdayhomestead2839]

House cleaning is a small side gig I've done for years. Every dime goes into my "cabin in the woods" fund. Retirement will be sweet & debt free!

[@rachelsmith6194]

One of my best recommendations is once you have an emergency fund, figure out what annual expenses come around every year like property taxes, termite inspection, escrow shortages, etc. Save for those throughout the year. I've now that now consistently for over a year and it was great having the money once it's time. I have added more categories now. I looked at expenses that we ended up charging that we should have saved for. That's helped us not add more debt than what we already have while paying off what we do have.

[@myaccount9498]

Yessss! I do my budget exactly the same. Put aside small amounts every pay, knowing those bills are coming eventually

[@momof2momof2]

Other household expenses , if one is a home owner is home insurance, water, trash/recycling, sewage, home repairs/maintanence

[@tracyserrano1919]

I started in Nov 2019 with a budget and spent over a $1000 on food for 2 PEOPLE !!!! I now spent $250 a month. I am building my emergency fund and have paid off a small debt. I am a pen and paper person. I am also using Every Dollar for the first time. I have a Blessings category. Yes the first few months were hard BUT you just have to keep going.

[@sofondadavis5028]

Read the info on YNAB.com - excellent source of information

[@mayraacosta4924]

1000 for 2 peoples?

[@bonnieandherhobbies]

I like how you explained the importance of giving. That it is helping your mindset to not be so attached to your money. I like that. Thanks!

[@nanmammabarkley8891]

I did my budget....I will be debt free in 2 mos. I am so excited. I will have so much money to save. I can still keep cable if I want too. Writing it down on paper is so eye opening. I have waste so much money on junk. Could have been free of debt 6 mos ago. Boom!!!! 👀 wide open now! Thank you! I am so excited !!!!!!

[@KateKaden]

BITSY!!!!! YES YES YES YES YES! (picture me screaming with excitement "katestyle!" Jumping around over here! 2 MONTHS!!!!! You are going to CRUSH THIS!!! I LOVE LOVE LOVE IT!!! Thank you for sharing with us!!!!!

[@FidoHouse]

Love the simplicity! What I love most: it's late June and 2 years after you originally posted this video - and I can follow your lead re the next three months, July, August, September - and have a credit card paid off by this December!! Thank you!

[@maryannschumacher1370]

I too am a single mom and just love the simplicity and practicality of your information because when things get too complicated, simplicity is our friend! I have been debt free before and I know I can do it again! Thank you for your positivity and encouragement. Cheers!

[@NeonDragon8737]

I know I'm late coming to the party... but I'm in tears with excitement because for the first time I don't feel powerless or overwhelmed by the idea of a budget! Thank you! Thank you! Thank you Kate! I needed to find you... TODAY! 🥰

[@KateKaden]

SHELLY!!!!!!!! OMG you just made my entire day reading this! I am SOOO EXCITED FOR YOU!!!!!!! Let's DO THIS! You've got this!

[@NeonDragon8737]

@@KateKaden I'm already doing it!! I LOVE this Kate!! This video has been the breakthrough I've been praying for!! Thank you SO much!!🥰

[@julielapointe8184]

Thanks this helps. I appreciate it not being broken down into too many categories.

[@patriciapagliuca3802]

You are so funny and lovely. This is the first vid I’ve seen you without your glasses! Thanks for the budget info too, Kate!

[@KateKaden]

You are so welcome!!!!! Oh yes! Glass-less! LOL!

[@momof2momof2]

I actually needed to look at one of my budget books from a few years ago.. I have about 4 yrs worth in one notebook. I think you being on You Tube is so important for other single parents. If they are receiving child support, they need to plan for the day when that financial support will end. You are a very smart young woman. Keep doing what you do ! You are such an asset to this financial community. tfs 💐💐💐💐💐💐

[@KateKaden]

momof2, this lovely, sweet comment made me want to cry!!!! I'm overwhelmed with gratitude! THANK YOU SO MUCH!

[@momof2momof2]

@@KateKaden You deserve praise ! Have a lovely day ! 💐💐💐💐💐💐💐

[@granitemoss1451]

I HAVE a budget, have budgeted for years and I am very good at it! I just came to hang out with Kate and her folks lol.

[@vcpicon]

This video is awesome. I've been budgeting for a while and have 1 more student loan to go. I would love to do videos like yours in Spanish because I feel this kind of video helps a lot. Keep up the good work.

[@KateKaden]

Veronica, that would be awesome! You totally should! And thank you so much! I'm glad it was helpful! Have an awesome day. Thank you for watching.

[@jimmiepatrum]

I love your enthusiasm. I love that you have a budget item for giving. I love Dave Ramsey, so I have several sinking funds for the budget items that are paid annually...such a comfort to know the money is there when it's due instead of robbing another budget item or worse yet - charging it. I use an Excel spreadsheet to keep up with the balances in my envelopes. Finally, finally after a year of working with the budget on a fixed income (retired and widowed), the act of working out the monthly budget is actually satisfying instead of gut wrenching. I love that you have such a positive attitude rather than teaching that budgeting is all drudgery. Diane in North Carolina

[@KateKaden]

Thank you so much Diane! Comments like this keep me going and keep me excited to share!!!! Hope you are having an amazing weekend! See you next video!!!

[@bookwormbon482]

Coming back here 2 years after I first watched, to say the things I learned from this channel changed my life so much for the better. Thanks for everything you taught me Kate ❤

[@KateKaden]

Bookworm🙌 This warms my heart and makes me so happy that this channel is helpful❤️🙏 Thank you for this comment and I’m so glad you are here🥰

[@mrs.martin3158]

Thank you for this video. I get tickled at how excited you get over a budget. I feel like I was just sitting in a locker room at halftime 30 points down and you were my coach giving a "we- can-still-win-this" pep talk. Loved.it!

[@smartypants1980]

Wow 6 months Emergency Fund! Way to kick butt

[@KateKaden]

Thank you Scott!

[@blackjag121]

I have my coffee, my bagel, notes for IPad, and EveryDollar app. Let’s do this girl!!!,🙌

[@KateKaden]

YASSSS NATUREGIRL!!!! Here you go!!!!!!!

[@sus3ns]

Love the simplicity of this! Really prioritizes things too. Thanks for making giving such a release mindset. I think I like that best. As someone said about giving: It's not what can you give, but what can you keep?

[@nanettemorton4054]

On her t.v. show, Gail Vaz Oxlade would go through 3 months of a couple's records to see exactly where the money was going. I found creating a budget much easier when I did that first

[@KateKaden]

TOTALLY NANETTE!!!!! Great tool to see where all the money is going!

[@eringigi7096]

Love Gail!!!!

[@wandahall4435]

I'm scared to create a budget, but I know it is a must...Buns!!!

[@lindseyberrum]

Going back to watch your old vid's. ✌

[@crazynance]

This sounds easy to implement. Remeber, folks, pay off the highest interest item first. Pay more than the minimum on the others. 👍

[@goinsvirginia]

I just learned to budget Save alot Feels great be on the right track.

[@KateKaden]

YASSS! So proud of you and so glad you're here!

[@LyciaJ]

This video is 4 years old, but it is always helpful. My favorite tip you made is recommending to try out cutting spending and saving money for 3 months. I take so many budgetting notes/ budget in general, but never look into my notes every paycheck. Although, I am kinda smart with my money. I know what I am spending on, but writing it down helps.

[@KateKaden]

This just made me so happy to read! YOU ROCK!!!!!!

[@LyciaJ]

@@KateKaden thank you

[@gigigo126]

What a cheerleader you are! How can anyone resist your enthusiasm? Dave Ramsey must be shaking in his shoes! You are absolutely correct. I have been following a similar budget my whole life. I am having a wonderful time in my retirement years. Don't have a lot, but no debt gives you the opportunity to do some of the things you always wanted to do.

[@KateKaden]

Thank you so much Judith!

[@grumylynn]

Super helpful, thank you. When my kids were your son’s age and I was a single mom, I was only focused on survival with no money skills. I wish I had this encouragement during that time. I think your video is more helpful than you know for so many. 💟

[@KateKaden]

Cathy thank you so so much!!!! This means a lot to me!

[@grumylynn]

@@KateKaden It’s true!

[@calisahardy4845]

I like that "prime your heart and budget for giving". I like giving, most of the time it is to my church but not only. I will say writing it down is so much better than relying on " I'll remember, right?"

[@KateKaden]

HAHAH!!!! Yeah writing it down definitely helps! :) :) :)

[@nicola6234]

I love that you keep your budget this simple, who's got time to stuff 28 cash envelopes every month? 😅

[@KateKaden]

Ahhhh!!!! Thank you. I agree ❤️❤️❤️

[@ashleymcdaniel6188]

Were consumer debt free and working on our emergecy fund thats the most exciting for me now that our money is actually working for us!!! No longer going to everyone else!

[@LivingQuiteSimply]

This is the first video of yours that I've watched, and I love it! I've struggled for years making a budget that works, but I followed your directs- got my water, a pen and pad, and got a SIMPLE budget down in minutes that I'm able to stick to. Something that I liked even more about your video was how you shared WHAT ITEMS are included in the 3-6 month emergency fund. You broke it down in a way that made total sense. This video was so helpful, your style of teaching is great, and your message really resonates with me. New subscriber.

[@watchmethriving]

I'm a new subscriber as well! Kate's style works for me. Fairly simple and a big dose of humor thrown in.

[@vickiemarker9052]

Love your enthusiasm! Budgeting can be eyeopening - you are so right!😘😉

[@bonnieandherhobbies]

I really like the lifestyle section. Never thought to actually lay that all out.

[@Mysticsoul77]

I started to budget when I was 17 when I got my first job. It's a good thing I did because I moved out when I was 17 three months shy of 18. Great tips and what a way to teach your son early about money. I never had a car but I took the public bus. I still would budget for the bus. I also make sure to get the book of tickets when they went on sale.

[@alonememe]

I know why I was always struggling - I never had money for myself, only for bills and food, and I was miserable trying to save money.

[@KateKaden]

Yeah that's super frustrating! Thank you so much for checking out my video! Hope it was helpful:)

[@me4word]

KATE!! Your content … 🔥🔥

[@KateKaden]

🙌❤️🙏🙏🙏🙏🥰

[@countingchange8677]

What gets me excited is seeing my progress paying off my debt!

[@KateKaden]

HECK YES!!!!

[@lorimast]

I saved your videos into my watch later list, and I'm starting today fresh and new. I now realize we have a huge problem spending more than we make!!! I will be working my butt off to bring our income up. Thank you for simplifying this!!!

[@KateKaden]

YASSS!!!! You are so welcome Lori! I'm SO EXCITED FOR YOU!

[@temmietaft2552]

Thank you, Thank you, Thank you for sharing this video. My husband and I are taking baby steps toward creating financial intimacy. This video will help give us a starting point for beginners like us. Also, we just subscribed to your channel because we love your content.

[@janfromnycsavesmoney8723]

Am all for budgeting the cleaning person. You have earned this and I do the same with laundry.There is a pick up and delivery service for which I treat myself to. I rather have brown bag lunch ( but I make and eat mine at home) than spend that couple hours a week in the laundromat.Its a good trade off for my needs and time. The clothes come back and perfectly folded--- I am a HORRIBLE folder so this is great. Kate you are a wonderful motivator with sound tips--- I do believe this subject matter would be so appreciated by many.

[@sandralmoore1360]

suggestion, w/ the car insurance.... set an amount to come out each month to save for the yearly amount. what i am suggesting is so you are ensured to have the amount at the end of year (or most of it to make getting rest together easier) when comes due, its saved up in stages so don't need to come up w/ all at once usually, also not mentioned by paying the year all at once can usually get a lower rate on bill to save money.

[@andreariegler]

I love budgeting combined with small "frugal hacks", and old-fashioned self-sufficiency principles to allow our family to keep debt down while teaching the kids to save not only for those rainy days, but for vacations. The last day of our vacation is the first day of the next vacay, because we all sit and strategize how the saving/funding process will work for the upcoming year. This also helps cure the "going home blues", as they are excited to plan for the future vacay. Saving extra windfalls, purchasing food/grocery cards, and staying at a place with a full kitchen help us curb costs, and we always opt for the many museums and parks in the area for "free" entertainment. We still manage to save while living a life that does not make us feel deprived of living is key for our family, and has helped us teach our kids that saving and goal-setting are necessary life skills. Thx for the great information--

[@KateKaden]

Andrea, you are so welcome! Thank you so much for watching and sharing with us! Loved reading your comment!

[@acajudi100]

I put disability insurance outside my job on everything , and my job paid me,when I was out ill. The latter worked for me.I love your style .

[@KateKaden]

Thank you so so much!!!! Thank you for watching and sharing with us!

[@janclark1894]

Thank you Kate, I'm going to write all this out for my daughter.

[@smartypants1980]

Every year about, I get a increase for cost of living, but then all my bills go up way more. Do your bills go up way more by the new year, even as a minimalist? I'm seeing my money get a bit easyer but still not able to relax.

[@KateKaden]

Oh I know, right? We get a little cost of living increase and it just barely or even doesn't cover the ACTUAL cost of living increase! Oh yes, mine increases also. That's when I have to find somewhere else to reduce a bill or make a different choice in spending.

[@nancyburke3968]

I wrote down, everything you said. July is next week, I shall start. I work a part time job, to get my clothing for 1/2 price. I keep that down to a low budget every month. Paid off the Visa credit card. I am doing the $5.00 Dollar Challenge since Jan 1. to date, I have saved $1,400.00 all in 5s. Trying to rock it! I want to get my Mortgage down and paid off!!! That's my goal. Then I will be free!

[@amydelorge5253]

Thank you Kate! This is great and your energy, enthusiasm, and passion are contagious!

[@KateKaden]

AMY!!! Yasss!! Yay! You watched! 🥰🥰 Thank you for your kind comment🙏

[@claudinerobins]

Only 4 categories?!?…..BRILLIANT! 🙏🏻❤️🙏🏻

[@KateKaden]

Thanks so much Claudine! Hope it's helpful!

[@lindamcdermott9980]

I have been a single working mom for 50 years (includes one grandchild and big age differences). I’m retired now, live in subsidized housing and receive EBT for groceries. This budget plan is the simplest I have seen. It makes sense. I paused and actually plugged in my numbers. Yearly I call the internet, cell phone and car insurance companies to try to get lower rates. In the Debt column I have life insurance and payments on two loans ($130 and $119). I have an investment account that pays me $160 goes into my savings account. Sounds pretty good so far. The challenges are medical co-pays, etc. almost every month, I need to transfer money from savings to checking. I’m 75, once or twice a week I eat out at McDonalds when I have to batch my errands for $3.05! I’ve already given up all other extras. I make crafts and art that occasionally I am able to sell (this gets me through gift giving for Christmas and birthdays). My goal is to be debt free. Getting a job would impact my rent by 1/3, due to my age and stamina would not be an option. Your videos are so inspiring, this one in particular is easy to follow and understand.

[@KateKaden]

Thank you so so much!!!!!

[@ramyavanmaele9643]

Waw Kate I like your energy Thankyou

[@KateKaden]

Thank you so much Ramya!!!

[@annes.9963]

Excellent! I love the reality and transparency of this budget.

[@KateKaden]

Thank you so much Anne!

[@watchmethriving]

You crack me up! I LOVE LOVE LOVE Buns' appearances on your videos. Mr Izzy is a frequent guest on mine as well. I've got my diet soda, notebook, pen and calculator handy and ready to use.... Your 4 categories make soooooo much sense, especially how you explain how the lifestyle category is the stuff that's negotiable. Edit to add: yes Kaden, I will make my budget for now AND keep making them well past July, just because you so cutely asked!

[@KateKaden]

🙏🙌🥰

[@leahjacobs38]

Love your videos :) and your pillows ;)

[@KateKaden]

HAHAH!!!!!!! Thank you so much Leah!!!!!!!!!

[@BackroadMoney]

I love this video, I realized I had already watched it😆 We budget very similar with our categories, and Kaden is a doll what a blessing!

[@Jersey737]

Just found your channel ! I don't know how you don't have more subscribers. You have a great personality, good content and it's relatable!! 🙂

[@KateKaden]

Gayle thank you so much! I am so glad you are here!

[@banana.blossom]

You have no idea how God-sent this video is. It really helped me. Thank you so much! ❤

[@KateKaden]

This makes me so happy that it was helpful! YESSSS!!!! You are very welcome!

[@sandrafromscotland]

💜 Keep it simple. TFS Kate. 💜 Valuable video. 💜 the giving part. My budget is simple too, give, save, live (I like 3's)!

[@KateKaden]

I like that!!!!

[@thebestwillow]

Oooh, look at you!

[@brendalalonde2417]

Love how simple this was put. You are correct, make is simple.....

[@KateKaden]

Thank you so much Brenda!

[@rev.ruthe.gallot9103]

Having only recently subscribed I am going through your older videos ... as I watched I was thinking - but what about sinking funds, what about emergency find, what about this, what about that... then I remembered that I didn't include any of those either in step one. Yes, there are loads of other things but mastering, or at least starting on these steps has to be step #1. Once mastered, I added the other goals. Great video, thanks

[@BeachMama79]

Just the motivation and guidance I've been looking for! Thanks Love! BTW, I have been binge watching you all day... just came across your channel today... such a blessing!

[@KateKaden]

Jeannie I'm so happy you are having a binge on my channel! I am HONORED!!!!!!!! Hope to see you again tomorrow!

[@evelynjanusz8042]

I just saw your video and very simple I am starting this January thank you

[@KateKaden]

Yayyyy! I’m so glad it was helpful!

[@BookZealots]

I would love to see an update of how the bills have increased in four years; just for the basics.

[@smartypants1980]

I look forward most to choosing where all my money will go once this credit card is at Zero and closed

[@KateKaden]

It's going to be so great!!!

[@mamaknows1062]

Scott Dow pay it off. Pretend you closed it but leave it open even if you never use it again. Blessings to If your disciplined, once you've cleared a month of zero balance you can charge purchases as though you paid cash paying the balance in full each month without incurring a penny of interest. You'll have paved the way for good credit score and keeping good credit score. Blessings

[@ashleydavidson2505]

Yes, don’t close your card! Look up as many videos on building your credit score as you can. You’ll see why. Having a high Credit Utilization and building up your payment history will help your score and in turn help you purchase anything (house, car, etc) later! Look up the 800 credit score man. He has good stuff

[@LMCEK]

Budgeting and frugality is my fave content! Thank you! I would love to have my personal line of credit paid off within the next 18 months. I've created a simple budget and automated all my bills. My problem is sticking to the money I have left over for regular discretionary spending (which I consider gas for the car, groceries, household stuff, clothes, gifts, Dollar Tree hauls haha). In a perfect world, I would have about $500 more per month for spending than I actually do. That's being super generous lol. I would love to know how you stick to your budget, how you manage to avoid the Target trap and do just buy that laundry detergent! Thanks love, really enjoying your channel and love Kaden's cameos at the end😍

[@KateKaden]

Lissa thank you SO MUCH! Ooh and having your personal line of credit paid off in 18 months would be SO awesome! You can do it! OHHHH and as far as how I stick to the budget....I recite "I'm choosing not spending money on that right now!" Until I believe it! HAHAHAHAH :) :)

[@LMCEK]

@@KateKaden I'll give it a try! 😀

[@magz418]

Thank you so much Kate ! Love your videos!❤

[@KateKaden]

You are so welcome! Thank you so much. See you tomorrow for this week's new video!

[@danawood8103]

I love your enthusiasm!

[@flapdoodlecacklberry]

Your simple approach with four categories for the budget has totally made it so that it is not overwhelming for me ( finally!) to budget. Thank you so very much!

[@KateKaden]

Leonna this makes me so happy to hear!!!! Thank you so much for sharing this with me. I’m so happy it’s made budgeting not as overwhelming. That’s so key! Appreciate you and so glad you are here!!

[@mariacastillo3090]

Loved the small but important $5 giving. I’ve given a lot to friends and family. Now I cannot give as much and it makes me feel less of a person. But after hearing this i don’t have to gift $100. Any amount contributes to someone else’s home. Thank you.

[@KateKaden]

MARIA! YES YES YES! Even $5 is contributing and your heart and spirit are in the right place! Give small until you can give big. And if you can never give big, that small amount is changing people's lives! So glad you are here!

[@mariacastillo3090]

Happy Birthday to Kaden 🇺🇸🚚⚾️🧁

[@lynnjacobs8728]

Love this video! I've been trying to follow DR, but having all those sinking funds (envelopes) is too intimidating for me. Then I ended up borrowing from one for another, and was so confused. Your way is so much easier to do. Thank you.

[@LuisHernandez-rk2tp]

No debt... nope to the house cleaner, or car wash, or even oil changes. I do that myself. Gym is the only thing I would spend on. 10 bucks a month.

[@villacerezos2605]

I love your energy 😊 thank you for your help!! Kaden is adorable

[@calisahardy4845]

Ugh... I keep vacelating between paying things and savings. Savings _should_ come first... Can I just say I love the fact that your budget it good old fashioned pen and paper!!

[@KateKaden]

Thank you SO much Calisa!!!!!

[@aprilcastillo5487]

I have this same problem I always make saving the last line it needs to be a top priority paying myself first

[@calisahardy4845]

@@aprilcastillo5487 I _just_ went to the bank and have them pull out automatically to go into savings. No fuss no muss!

[@freckledmami86]

Single mom at 19. This is helping ❤. Subscribed

[@KateKaden]

Hey there! So glad I could be helpful! We single mamas have to stick together and share what works! Hope to see you again soon!

[@juliekeenum5016]

Well you should be proud of yourself. I told you I would update. I think your video made everything make sense for me. I haven’t gotten all of the kinks worked out but I think I now know how I’m going to budget in 2021. A great big THANK YOU!!! All I can do is try my best. Merry Christmas and a very blessed new year to you🎄

[@KateKaden]

I am soooo excited!!!!! You are so welcome!! Hope your new budget is so effective and I hope to you here again soon!!! Merry Christmas Julie!!!!

[@FrugalOverFifty]

This is really cool - I your philosophy of keeping the categories simple while combing a reduction in spending with increasing income as needed is really really helpful.

[@Alice_v2.0]

What a fab video! I love that you suggested thinking of July to Sept as work it out months - that really resonated and I'm going to do precisely that! New subscriber. :)

[@KateKaden]

Alice! I'm so glad that resonated with you! I'm SO glad you are here. Thank you for subscribing! And thank you for sharing. Really appreciate that!

[@ctmom2114]

Re cat food fund, hair cut fund, etc-if a known expense, account for it like a business would. Otherwise, you are setting yourself up to constantly rob Peter to pay Paul

[@leslieharrell5776]

Love your energy! I so agree with you suggesting we all give. I think it is vital

[@KateKaden]

Thank you so much Leslie!

[@marlenepelayo19]

I’m so happy I saw your video! I am determined to pay as much debt off on paying my car off this year🙏🏼. Good look to everyone budgeting and paying off debt ❤️

[@KateKaden]

🙌🙌

[@jammieleigh4747]

This is the type of budget make so much more sense to me! Today's the day! Thank you♥️

[@KateKaden]

You are so welcome! This gets me excited!!!!! You can do it!

[@aileenortega6761]

What Category do you put Cleaning Supplies, laundry detergent, toliet paper, razors, etc?

[@joannlandstrom-pelikan766]

Thanks, took my notes, got some of my numbers, I am starting to learn to budget, got my income figured out! Now the terrifying expenses!

[@KateKaden]

Ooooh JoAnn I'm right here with you and SO excited you sat down and started! HOW EXCITING! You've got this!

[@MsLee-oh7hy]

excellent video! I too started my 1st budget and tracking my expenses in July.

[@kathybradley9873]

Great video!!!! I have been doing something similar for about 2 years now. I have a list of my main expenses, and what time of the month they are either paid by me or directly comes out of the bank account. Then each pay whatever is left I put about half or more on the principal owing on the debt to get it down a little each month. It is usually only about an extra $100 each month but hey anything extra is better than nothing. Then each Feb. or March, when I get my income tax refund, I put that in a couple of categories 1. Vet and extras for dog, 2. Extra on debt, 3. Clothes and extras for DH and myself, 4. Stocking up or getting items that are needed or towards things needing to be done around the house/yard or our vehicle. It doesn't give us much wiggle room but at least it is doable. Am working on DH to get rid of cable..... sighhhhh..... that would save us probably $60 a month (it is bundled with internet, so to stop cable the internet would go up some) so it may even be more of a savings. I keep praying he will come around to this soon.

[@KateKaden]

Thank you so much for watching and commenting Kathy B! I appreciate you sharing with us!

[@Cecibug1]

Kate you are so motivational! Iv been watching a bunch of your videos. Iv had an idea for a channel brewing in my mind and I think you just gave me the push. Just in time for a new years resolution.

[@KateKaden]

CECILY!!!! YESSS! DO IT! If you do, let me know so I can watch you too!!!! Hope to see you later today for another VLOGMAS video!!!! See you later!

[@Cecibug1]

@@KateKaden THANK YOU!! I'm going to do some more brain storming on a focus 😉 I'll let you know when I launch it!🙋❤️

[@WhoaNelly16]

You are awesome.I found your channel and since I look forward to your new videos weekly ! I love them ! You totally get me inspired and your good vibes help out my mood and give me hope !!!

[@KateKaden]

Oh Anely! This makes my entire day and keeps me inspired to do more!!! Thank you so much!!!!!

[@kathrinekerns8398]

Awsome. Will do it today.

[@KateKaden]

YASSSSSSS Kathrine!!!!!!!

[@carolc2574]

I use an app called FinTonic. It automatically categorizes your bank account movements although you can change names and move everything. It tells you how much of each categorie you have spent, what is yet to come. It is fantastic. Nevertheless, before using that app I have made tons of budgets on paper and on excel. Now I made one more on paper, you motivated me to see my numbers in colours !!

[@janiceashley9771]

Thanks Kate, July will be my 4th mount boding, 😀😀😀😀😀😀😀🤨I have paid off two small amounts credit cards and it felt good to cut them up, I have a ways to go, I am using the snow ball method, and I am plugging along slowly and placing as much as possible towards my lowest credit card. Thanks for the encouraging to keep on moving forward. Buy for now. Grammajan

[@barbniantic]

Excellent video! Thank you! I hope to be more organized about my money by using your method and encouragement. So glad I found you recently and glad I did.

[@KateKaden]

Thank you so much Barb!!!!

[@sarah-074]

Got my coffee pen, paper going to watch these on a few areas. Ty for explaining it so well.does, car services and house Maitenance come into. 1st area you wrote down? Things that aren't say monthly. Maybe every few months.ty simple.

[@KateKaden]

YES! I'd put that with household since it's not really "optional" ya know? I'm so glad you checked out this vid Sarah!

[@calisahardy4845]

🙌🏾I get a budget!😂 You are funny! I just look forward to not worrying about paying "either or's"! "If I pay this then I can't pay that or..."

[@KateKaden]

YASSSSSSS!!!!!!

[@JujuLuvsGlitznGlam]

Yasss calisa. Agreed! 😂🙌

[@katherinekane9824]

Yes I m making myself write it down but once I get the bills paid, not much left. I'm retired, yes I have debt, but at my age, I do what I want.

[@KateKaden]

Thank you for watching Katherine! I strive to do what I want!!!! You rock!