How To Get One Month Ahead

Hi Everyone! Welcome To The Organized Money where we talk about planning life and managing money. Today's video is on how to get one month ahead of your bills. We are going to talk about different strategies for saving one month of income or saving one month of expenses. Here are some of the resources I discussed in this video:
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ABOUT ME
I’m Alaina.
I’m an author, speaker, financial educator, Etsy shop owner and KZbinr. I love to share videos on organizing your money, mind, and life.
What else?! I am a wife and mother of 2 girls. I love reading and planning! I hope my videos help you on your financial journey.
*Some affiliate links are used, which means I may receive a commission should you decide to click that link and make a purchase. My content is 100% not influenced by brands, PR products received, usage of affiliate links, or brand partners

[@noemic9257]

Everyone talking about her hands and voice, what about her handwriting 💕

[@LAURIE0109]

I got so excited when I saw your brown hands. I love finding queens that talk about money and financial health! #savingisessential

[@prettylittleinvestor]

Brown hands are fire 🔥🔥❤️❤️💎💎

[@shanel9793]

Omgosh yassss once I saw that I was like yessssss SUBSCRIBE even looked for other social media accounts!

[@LAURIE0109]

Shanel’s Journey yes! We’re in this together!

[@netunoxove3342]

same, its really the little things 🥰

[@tinasmith6720]

Same here! Totally subscribed before even watching the video! Teach us Queen!

[@JalenDior]

The fact that i haven’t seen a black female do money journaling and financial advice besides Patricia bright . NEW SUBSCRIBER! KEEP GOING BLACK QUEEN ❤️❤️❤️

[@MzLadybugLN]

She got my attention, too.

[@TheWorldsAngel]

Shay Budgets and Elaine Michelle also talk about budgeting and finances if you’re interested!

[@erickahope9864]

Ciera Elaine and “The break” two amazing black queens talking about mortgage, financial advising and a boss woman mindset. They’re amazing, this channel was recommended because I follow them and I’m excited to subscribe to this channel too!

[@jasminebanks1877]

Stacey Flowers does as well.

[@heididahl439]

THE BROKEN WALLET

[@KaylaMarie_]

Everybody talking about her hands but her voice is pretty too

[@TheOrganizedMoney]

Thank you!!

[@katprimrose-gauthier6237]

Very pretty voice!

[@ashleymariafaye]

I am glad I am not alone here lol I love her voice its so soft and clear! Most people scream at their camera and I get a headache but never on the organized money!

[@pretty_brownnn5855]

What wrong with her nails?! 😭🤦🏾‍♀️🤦🏾‍♀️

[@KaylaMarie_]

@@pretty_brownnn5855 what do you mean?

[@Jesus-kt5dc]

*You have the prettiest hands on KZbin.*

[@TheOrganizedMoney]

Thank you so much!!!

[@moniquemc4553]

That’s always my thought too. I’ve heard of hand models, she without a doubt should be one.

[@shilarakesh]

The the prettiest hand writing. 💕

[@Jesus-kt5dc]

@@moniquemc4553 *Absolutely agree.*

[@Kat-oy8mc]

The Organized Money u should look into hand modeling! Advertising nails,nail polish, hand jewelry

[@ShelbySteele23]

I clicked on this because I thought it was about getting one month ahead on your work. But now Im interested in doing it for bills too lol

[@aslinnsroar1745]

So did I

[@LauraTorresSWEETGRASS]

Lol me too

[@dcemberm.2846]

I did too lol

[@GreyPhoenix117]

Off topic: that are some beautiful hands!

[@jennifercrews3175]

First thing I thought too!

[@loriwatkins7836]

She DOES have beautiful hands....

[@ChristineAndersen]

GreyPhoenix117 exactly my thought!

[@Stormy_Dawn]

Foooooooor reeeeeeal!!

[@michellesoliz7990]

I thought the same thing!! Absolutely beautiful!!

[@justlaura7177]

3 years later, this video is still helping people. Thank you!!!

[@brookebeck3367]

These were actually such good tips; I was low-key expecting yet another video of "don't go to starbucks" but this was GOLDEN (see what I did there? lol)

[@TheOrganizedMoney]

🤣🤣

[@susanlynch6680]

Congratulations to you, and everyone who has a savings account to cover unexpected expenses, or loss of income. It makes all the differnce in the world for peace of mind. For my husband and I the key decision that gave us financial health was to purchase a home that was truly in line with our income level - because the houses that we "loved" would have given us a payment that was just too high. It's still a good house, and we are making improvements as time goes by. Good luck everyone.

[@brittanyr8357]

My spouse and I made the same decision when we bought our house. We could have gotten a house that was double the price but, we decided not to. We figured that the realtor wasn’t going to pay our mortgage, we were. Lol.

[@YvetteCuisine]

Jkk

[@ajh.4131]

I started my financial journey this year and I find that the envelope method has been working great for me. I'm saving hundreds (even thousands) of dollars that I would have otherwise spent. It really is such a relief. I'm no longer living paycheck to paycheck and I'm even a month (almost 2 months) ahead on a couple of my bills. It takes discipline but it's so worth it!

[@Blazing.Hook.Crochet]

What’s the envelope method?

[@TheOrganizedMoney]

The envelope method is the act of taking cash from your bank accounts and adding it to specific envelopes for specific purposes. It's a great way to save money for a particular purpose. Example: You want to save $500 for emergencies, you would put the word "Emergencies" on the front of the envelope and take $50 out of the atm every time you get paid until you reach your goal of $500 in the envelope.

[@ajh.4131]

Crafting with Ann yes, it’s what The Organized Money just explained. You take envelopes and give it certain categories. Whether it’s your recurring bills or expenses you want to save up for (aka Sinking Funds). It’s also zero based budgeting as well because you’re taking most of the money out of your bank account when you get paid. It doesn’t have to be exactly at zero but basically you’re allocating most of your dollars to each of your categories. You decide how much you want to put towards each category. There’s a bunch of envelope stuffing videos on KZbin. Look it up! It’s a great way to hold yourself accountable as well as watching your balances grow. You can use regular paper envelopes but I buy nicer, decorative ones from Etsy because it makes the process more enjoyable for me.

[@ajh.4131]

Crafting with Ann Also, it helps with unexpected expenses. Let’s say you have an envelope category labeled “Car Maintenance”. If you blow a tire for example, you won’t be inconvenienced and wont have to result to using credit cards or borrowing money. You’ll already most (if not all) of the expense covered because you’ve been putting money towards that category every time you got paid. Hope this helps!

[@sabrini13]

I used to use that method and honestly I think it's the most effective. Also got me out of living paycheck to paycheck. I'd like to go back to it, but because I have different categorized monthly spending budgets (like what goes to food vs what i budget for home essentials) and when I go to big box stores like Walmart, it's a lot easier for me to pay with a card and account for the purchases in a notebook.

[@craigslistrro709]

As smart as this woman is, she should team up with the YNAB budget people, she would get a zillion views because she is very good at teaching.

[@jneworleans]

This is like ASMR & financial advisement in one!

[@justforfun1093]

Just subscribed.... I didn’t even get like 2 minutes in but I love budgeting channels. Thanks be to God that my husband and I have been following Dave Ramsey for about two years and been able to be debt free (aside from mortgage). I thought it was impossible on our income but we made it. I am working on saving as much money as I can to have a fully funded emergency fund and love educating myself and finding channels like yours :)

[@tashab7524]

Pretty hands and gorgeous ring!

[@TheOrganizedMoney]

Thank you!!!

[@Sam713IrishRose]

I've done this for years, and it becomes second nature. I'm going to share this to my son, because he is a typical kid & seems to hear others more than his parents. He just takes for granted that 6 months of bills is in our bank & our bills are getting paid off. You need to have discipline for this, but it's so worth it. tfs (New friend, here)

[@username00009]

I’ve heard of some parents calculating how much money they would normally spend on their kids’ expenses, and then giving that money to their kids so they can learn how to budget it. It definitely requires a tough love approach if they mess up because you can’t rescue them if they make a mistake, but at least they should be making a mistake in a “safe” environment (so you probably need to exclude certain costs, such as orthodontist bills). I think I first heard about this from Dave Ramsey, but I’m not entirely certain.

[@Sew_Country]

I love that you call it a golden month. That is such a smart way to look at it!

[@eav0461]

Thank you for these tips! Your handwriting is perfect and your voice is soothing which makes it easier to watch 😄

[@Emma.E.Emerson]

Amazing Video. I am 59 and semi retired. I live modestly...so I was able to do so. Home paid off since I downsized. Creative Frugality with No Deprivation, I learned decades ago. I wish my 24 year old would watch this video. He is now on his own but keeps mismanaging. My 36 year old is a doctor so doing fine. But it is not just how much you make, but how you spend and how you saved. You are an amazing teacher in this....

[@MelodyLeifeste]

I think her brain is the most beautiful thing for sure.

[@sheilawiard2077]

I am paid bi-weekly; however, my golden months this year were March and October. July I only got paid on 2nd and 4th Fridays.

[@nocha494]

This was so helpful. Thankful my mindset has changed about saving money. I can remember when I’d blow that golden month money. I cringe every time I think about how much money I wasted! Thanks for the tips!

[@audrangea]

So incredible to empower yourself and your husband then to help other women too - this is so crucial! Thank you! Also that mani is giving me LIFE but lemme save for it first 😂 💗

[@TheBohodiva]

Lol at everyone talking about your hands. But it reminds me of when I use to be a math teacher. I taught public school and would use a projector to show my work problem solving. Nails had better been on point because the kids will roast you!!

[@ConstantCompanion]

This is such good advice. For years, we lived check to check. I can't tell you how much sleep I lost over bills and surprise expenses. I know he's radical, but Dave Ramsey has very good advice regarding money. If you commit and see it through? He can make you very well off in just a couple years. It's hard! It's so worth it. He's on KZbin. One thing he suggest about it all when you begin is to save up $1,000 before you start. The reason being, whenever you try to change your life, no matter what it is, it always throw surprises. Most people when they try to get out of debt, end up with a flat tire or something and they get frustrated. If you have a safety net for that kind of thing, it's easier to stay on track.

[@marimoongoddess5721]

You are a blessing. I was never really educated un financial literacy and now I have children and I'm on my own so this really helps 💖

[@TheOrganizedMoney]

Glad it was helpful!

[@carolinew6095]

Hello from England! I just wanted to say how much I enjoy your videos ❤️🌺. I used to be very disorganised with my finances, but your guidelines have really helped me to bring everything into order. On a more personal note, I adore your manicures and always look forward to seeing your nails!!! You inspire me to try new manicure styles! Thank you and have a blessed day ❤️

[@Gracekeys5]

Jesus yes Lord I needed this one. I am working some OT, to set money aside to get 1 month ahead.

[@Amanda-hq9of]

having a no-spend month is brilliant. especially in January! going to implement this. 🙌🏼

[@rizeuse]

Save at least 30% of your annual income, invest your money in stocks and plan your retirement

[@taikamiya32]

Wish I could get paid every other Friday or every Friday. I don’t like when you get paid (for example on the 15th and last of the month) so I wouldn’t have a golden month or anything like that. Good tips by the way!

[@angelikalaser7778]

Here in Germany everyone gets paid once a month.

[@jeriheggie]

Mind blown 🤯 waiting for our golden months would make it sooooo easy! Just starting my zero based budgeting journey and documenting it on my KZbin channel 😅

[@millymcbug]

Everything is literally aesthetic goals.... and I have zero experience with finances but I look forward to utilizing your tips (I just discovered your channel but am subscribing now lol) to get ahead as a university student currently living at home (thanks corona) who will soon be embarking on that crazy journey of independence. Thank you for the quality content!

[@ajoyforlife1]

Another great tool for # 1 and #2 is to set up automatic transfers from checking account to savings in increments that you can afford. Start off with $25.00 a week or bi-weekly (based on your pay schedule.). And increase the amount as you go. Also, harvest all raises in addition to free money. If you get paid weekly you can set up that 5th week check to automatically transfer into savings by looking ahead at the calendar.

[@lindawoodfill503]

Thank you! I just got my emergency 🚨 fund done ✅ in June . Going to start this savings next .

[@sandyseibelhager7131]

Thank you so much for doing this video. We were able to get one month ahead this year. It has totally changed the way I budget. I now pay next month's bills with this month's income. If I should fall behind then I'm not really behind I'm just on time. If there is any extra at the end of the month it goes into savings. It takes all of the guesswork out of it. If there is a month where I go short I can just take that amount out of savings. Mine is done with ALL expenses though with my other expenses being credit cards which get paid off each month.

[@talexander2302]

This is really really good information....wait for the GOLDEN MONTHS AND HAVE ING A WORKING BUDGET...THANK YOU QUEEN

[@darakristi]

Your hands OMG, those nails are stunning and your hands look like velvet!

[@expertonmyself]

one of the ways i save is by way of a christmas club account. you can't touch it (yourself) until it's released to your regular savings account at the beginning of november. $25 (or however much you want) goes into it each pay. you can use it for a variety of reasons: investing to build wealth, to establish or replenish emergency fund, to finish paying off a debt - to name a few. contrary to the name, i don't recommend buying christmas presents or paying regular bills with it.

[@tehilash7292]

Love listening to your gentle voice and watching your esthetic video.🌺

[@berrybuena]

Justin discovered your videos. I did the golden month thing all last year and didn't know what it was, I just saw an opportunity and took it. Thanks for sharing your wisdom with the world. Gonna check out more of your stuff.

[@LeslieJasmine]

Girl! skin tone on fleek! The contrast with the notebook just 😍 and that classy mani!

[@SecretStella101]

Randomly came across your channel! Your voice is so comforting and your videos are very informative. I subbed instantly!

[@justinewhite-hadley3138]

Wow! You are ON IT!! You are very blessed to have such wisdom and a partner who works with you. Thank you SO much for sharing!

[@lynettepettitt655]

Bi-weekly is known as a fortnight in Australia... this concept is a fantastic basic way to create a cash bubble or extra mortgage payments particularly if pay is weekly ( 4 weeks x 12 months = 48 weeks, meaning you have 4 weeks unaccounted for)

[@WellBalancedWallet]

Getting a month ahead is the best thing that I have done for my finances. Love this video!

[@Amber-fj2wv]

I love these planning financial tips. I am a college student and this has helped me establish a savings and pay off a credit card!!! Thank you!!

[@TheAvataroo]

You can also set your direct deposit to split your payment into 2 accounts and set either a percentage or an overflow amount, like "any amount over $5000 put into the 2nd account", which is a free way to save automatically thru payroll. (Only works for w2 workers tho. Self employed and 1099 don't have employer withholdings)

[@EvaWright]

Great video and channel! And hands and rings! We struggled so much from Jan-March, loss of jobs and income. We thankfully bounced back, are purchasing 20 acres of ranch land in another state, and got 6 months ahead of the payments on it by paying bills then divide the monthly payment into half payments taking out half of the money out of each check then paying on it before the payment is due. It took some rearranging of other things and other bills but now we are bounced back and in good shape.

[@AudreyOB]

I subscribed immediately! I'm from Ghana, West Africa, and I'm super excited to learn from KZbinrs like you when it comes to financial literacy and planning! Such videos inspired me to start a similar channel for young people like me too! Just two weeks ago!❤️

[@BananaCakeGirl2023]

Supporting women who knows and talks about money! Subscribed!

[@vzimmer1951]

We are paid monthly. A golden month for some is an extra worry for us! We have to stretch the money to cover 5 weeks instead of 4.

[@lilmisscoloring]

I think we need a second video. This isn't what I thought it would be. This is more just a 'how to save' video. I hope you will do one showing how you set up your accounts, how you transfer money back and forth, etc. When a bill comes in what are you using to pay it? Is the extra month's worth of money just sitting in your checking account as a buffer?

[@TheOrganizedMoney]

I'll also have another budget with me coming up next week also. This will show how I move the money around again....

[@lilmisscoloring]

@@TheOrganizedMoney sounds great

[@kimmybessreviews]

This is fantastic and all actionable. I'd never heard of these tips before. Thank you so much. Subscribed.

[@monag744]

Hi! I love the name you gave the “extra” paycheck and I have never even thought about doing something special with it before seeing this video. I have been a paycheck budgeter for several years and have an ongoing approximately months’ worth of credit on all of my utilities. I believe you have said before that your brain puts everything into categories. I’m the same so this would be a savings account separate from my emergency fund. My next golden paycheck is in October. Should I put that towards debt, replenish my regular emergency fund (I recently had an emergency vet bill that depleted it) or create a month ahead account?

[@cinziadeluca5074]

I agree with most of the comments on here but, I do think that you should add food to your list of essential fixed expenses or that it should at least be a line item. I kept thinking that, if your budget was based on a yearly fixed income, that you wouldn't have 'golden months' however, I can see how when you need to save quickly, these are GREAT first steps to take.

[@sam.alva.]

Just found your channel, can’t wait to binge watch. Hope to see this valuable channel grow ❤️

[@debtfreetmarie5239]

Great tips. Getting 1 month ahead on my expenses is one of the best things I could have done.

[@mirandamiko]

i know everyones saying your hands are pretty. but seriously they really are beautiful hands. and your voice is soothing too, loved this!

[@TheOrganizedMoney]

Thank you so much!!

[@milicamarshastefanovich3312]

Great video and helpful tips! I’d encourage people not to have a car note. Too many people are leasing vehicles or buying more car than they can afford. If you must have a note, pay that sucker off as quick as possible. It’s a huge piece of your budget and a depreciating asset. Because it’s such a depreciating asset I never buy new. 2-3 years old, super reliable and drive her for at least 10 years. Keep up the great work!

[@madalinetwitty1118]

I love budgeting channels I wish I had knew this a long long time ago….. but they didn’t teach this is school back in the 70s

[@arlenejones1986]

Monthly rent/mortgage divide by 11. Pay overage monthly. Eventually come out one month ahead. Come 12th month no pymt due. Reward yourself 12th month with savings.

[@rikkihaws2792]

Ok so 1, your voice is so soothing 😍 2. This is amazing advice I haven't heard before! I definitely took notes 😍

[@philipw4849]

8000.00!!! Wow!! God Bless you and your husband!

[@jmmbarkovich8734]

Very practical advice. Good for you! Excellent penmanship as well 👍

[@simmssherry176]

I do the same thing with my husband ❤️

[@wasteawaywithmee]

Thank you so much for giving actual helpful advice!!! I'm in the process of setting up my budget and have a few kinks to work out and then I plan on starting this!

[@amandam6069]

Love all of these ideas! We are currently paying our car loan bi weekly but want to start paying our mortgage bi weekly also!

[@ariestre7702]

I love your channel , gracias from Chicago!

[@kay5021]

Love this! Thank you for sharing new tips that no one else is talking about.

[@yvettevazquez961]

Omg, I love your manicure your skin is flawless and these tips are awesome

[@brendalawrence1925]

Getting paid biweekly, you'll get a third check in a month twice a year, every 6 months not every few months. July then next 3rd check January 2021

[@LupitaGP84]

As always thank you for the wonderful video and ideas.

[@GreyPhoenix117]

I am from Europe and i get payed monthly. I needed a moment to understand the concept of the golden month. It is genius. So not repeatable for me, the other tipps are helpful.

[@Erica-cf1xb]

Since you get paid monthly was July higher than June, May, etc? If so, that was your “Golden Month.” An extra week was added into your monthly pay. Same thing will happen in October if extra is applied.

[@vanessamoore5607]

Thank you for this video, it has helped me a lot. What do you do if you only get paid once a month?

[@tinkerbellxoxoxo1]

Awesome tips thanks! Your writing is gorgeous!

[@smallfryebudgets5319]

The video I've been waiting for! Thanks!

[@LS-du7ot]

This video came just in time. 🙏🏼 I'm desperately trying to pay off debt and get ahead. At the end of last year my plan was to be ahead by March of this year. I had the money but had to use it to stockpile and buy supplies for the house due to covid19. I have 2 more golden months in November and December this year. I'm hoping the 2nd stimulus check comes soon and I plan to use that to pay off some debt. The extra checks in November and December should help pay off the rest of my credit card debt. After that the plan is to pay off my car. Pray for me please! 🙇🏻‍♀️

[@TheOrganizedMoney]

Praying for you.

[@annadezarn]

December is one more Golden Month in 2020. There are 5 "Fridays". Friday, January 1st, 2021 is a holiday. If you are normally paid on Friday you will receive your check on Thursday, December 31st.

[@TheOrganizedMoney]

🙌🙌🙌🙌

[@jennahope4353]

beautiful hands, and gorgeous nail length, shape and paint. monetize them hands lovely!

[@Love.Yourself.1976]

If getting paid bi weekly, having that 3rd paycheck isn't really extra, for us, it's just another two week scheduled pay day, still goes towards the same scheduled bills. Am I wrong? Paycheck to paycheck living, one income, not behind but very tight.

[@conesha25]

Agreed. I feel the same. It’s goes toward the next month.

[@kit7647]

You both have it right: it does go to the same bills, which is the point. It is extra. Let's say you make 1,000 biweekly. For 10 months of the year you are living on 2,000 per month, and ideally your expenses each month are under 2,000. For two months of the year, you get 3,000 instead of 2,000, which means you earn the equivalent of a typical month's salary (2,000) in a year. Therefore, you can get a month ahead this way. That's a simplistic example. It does depend on your current savings, debt load, and if you're riding the credit card float or living beyond your means. July is a 3-pay month for me and with the pay on the 31st, I will be a month ahead. Today's pay and the one on the 31st are going to cover August. July has been paid for with my July 3rd pay and the last pay in August. I stretched my dollars last month by severely cutting down expenses just for those 4 weeks (no dining out, deferred 1 loan payment, no frivolous spending, relied on freezer and pantry instead of getting groceries). This means, assuming you have income coming in for the foreseeable future, you will perpetually stay a month ahead and with some creative saving tactics, you can get another month ahead, and another. It takes time though.

[@ireneissomewhere]

Yeah, its not extra. If your third check it on October 30, instead of November 1st, It's the same paycheck and is going to cover the same bills.

[@kit7647]

@@ireneissomewhere If October was a 3-pay month and you live paycheque to paycheque, ideally you'd use the first two pays to cover the whole month, with the Oct 30th pay covering the first half of November. Then, your first pay of November would cover the second half, and November would be paid for, leaving November's second pay to cover the first half of December. You'd be half a month ahead. It's difficult to see it that way when money is tight. The aim is to use this month's income for next month's bills. You're halfway there if you get a pay on the last day of a month, as it will be used in the next.

[@kit7647]

As I said above, there's a lot of factors to take into consideration - it isn't as simple as stashing the 3rd paycheque twice a year if it's needed for debt or unexpected costs. You won't see them as extra boosts. As in the video, extra income and cutting down your budget temporarily help get you ahead by a month.

[@kimberlyblack4969]

I love your voice. It's so sweet, professional, and motivates me.

[@robertagivenslovett2448]

I need theses tips!!!

[@dancingwithyoureyes]

If you are paid on the 1st and 16th, then the month after the 5 week months will be your golden month :)

[@faelisa]

I was wondering about that.

[@triciaperinger2675]

This video was awesome! Thank you.

[@Overactiveeyeball]

Wish my golden month is July but mine is May and October. Love your video and your soothing voice. First time viewer. 😊

[@loisr3970]

Omg girl! Covid has killed our income. We are personal home care for seniors. Take care of cleaning house repairs. Shop for them (a year in my patience are gone. During lock down we could not use cash. I would be shopping for 3 . Some I had there cards. Got stuck so many times I had to pay. Then get a chq deposit wait to clear. Then get my money.) I never know my income now! Lord what am I gonna do. All the saving we did in the last three years is gone. We work in a retirement subdivision. One of our condo buildings has had major plumming issues. We have 12 clients in that building. We have lost so much income last three weeks. I have never been in this position, I'm 58 my hubby is 63. My god I'm ready to retire not start over. Rent is killing us $2200 a month. We pay 13% tax on everything in Canada. My water bill was 427 for 3mths..... I really hate money it is just so much dam stress. I really don't understand it. Almost had a heart attack purchasing our last suv. I never trust anyone. I look at the paperwork it might as well be another language. I never understand it have no idea if I'm getting ripped off. I am sharing this hoping to god I am not the only one in this boat. Maybe to help somone elsewhere has these money fears too. Tonya I am glad I found you here..... God will in I will figure this out, or bee homeless soon. Blessings all stay safe

[@erickahope9864]

I love these tips! Thank you so much for sharing!

[@CentsibleLivingWithMoneyMom]

This is such an excellent topic especially now being a month ahead of my bills really really help me during this time excellent topic

[@beccaplans]

Hi Alaina, question: what planner is that? In your husband's planner? I love the lined calendar!

[@TheOrganizedMoney]

Hey! its the TUL planner. I purchased it from Office Depot for him. :)

[@lisashealingjourney5283]

I got paid twice in July the 10 and 24th.

[@E.Nicole]

It varies depending on your pay cycle. You should still have two months where you get an extra check.

[@thefrugalladyph4585]

Definitely gonna try this one when I can.🤗 I love how you explained things in this video. 💕

[@NJO52]

Mortgage, utilities, car payment and car insurance are the essentials.... i agree on the costs for housing, but a car is not essential for a lot of people, especially one with a payment plan.

[@TheOrganizedMoney]

Yeah for us it's our car, but the official area is transportation. It may not be a car, but most people transportation is an essential item on their budget.

[@melanieharp7633]

Thanks for the tips!

[@bevingrace2648]

Your “hi” at the beginning hooked me haha ur so cute!! New subscriber! Great content!♥️

[@emmabeer5690]

This is such an eye opener!!!!!!!!!!!!!!!!!!! Thank you so much :D :D :D I just shared this with another mum so she can do this too. Currently doing the barefoot investor way and I was thinking how can I get money up to invest in our growth bucket. But this gives me an option twice per year :)

[@jeanettevega3002]

Your voice is so soothing. First time watching your videos.

[@lizzieanne2214]

omg just set that regular amount by standing order for free!

[@GT-ir4rs]

Lol..I’m sitting here admiring her nails and how it looks great on her skin tone. Then I looked at the comments and realized I’m not the only one admiring her hands.

[@TheOrganizedMoney]

Thank you so much

[@LaidBackPlanner]

Do you have any advice on how to make a budget work while on biweekly pay periods?