Make Budget Cuts With Me After Job Loss

My husband recently lost his job in a mass layoff. Here's how our budget is changing during this time.
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Marissa Lyda
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[@budgetfor5withstephanie]

i think its wise to leave peter in school. Jacob could be back at work in a month and youll have lost your spot. You guys have a good EF and are making cuts other places so i think yall made the right choice for peter. You can always pull him later if its been a few months and youve changed your mind.

[@Mrsmetamorphosis2012]

Only if she’s working outside the home. Other than that all luxuries must b cut.

[@vickym9221]

Good for you for pausing the giving and putting your family first. You're 100% doing the right thing, I'm not sure why all these people in the comments are judging you, it's not very Christ-like of them!

[@Alison-xz9fd]

I love your videos and content, and appreciate how much you share to help others. Some comments on here are so sad to read. Only your family know what is best for your family cutting everything back to necessary things only makes complete sense especially in the times we are in right now with two young children. You’ve got this! I’m sure brighter days are ahead 😊

[@lessthanleigh]

Thank you for your honesty and vulnerability in all of your budget videos, especially this one! You are 100% right when you say you will be okay. ❤

[@jordanloomis4706]

I’ll be here to watch and like all your videos. I’m so sorry your family is going through this!

[@Sharis_Spot]

Wishing you and your family all the best and hoping your husband finds a new job soon.

[@alwaysemilia]

Wishing you all the best! You’re doing everything you can to keep things normal for your sons, and that’s very admirable. Here to watch, like, and comment on all your videos :)

[@tsanislavaruseva4779]

Thank you for sharing your journey during this vulnerable time! You are such an inspiration and I wish your family to pass through this season of life quickly and with as little troubles as possible! ❤

[@Crystal-je7gx]

Great job marissa! Now might be a good time to get off your parents phone plan anyway $115 is way too high (even for them to foot the bill) when you can get an unlimited plan for $30 each with any prepaid phone company and its literally the same coverage. Maybe with mint i heard they have a great referral program to earn credits. I personally just switched from Verizon to visible by Verizon and i didn’t even have to reset my voicemail. Again great job. Also let the haters comment it all helps the channel lol😂

[@TheBudgetingWife]

I’ve heard great things about Mint!

[@sarahmc8309]

Wow I can get prepay for €10 unlimited a month in Ireland . We have expensive plans too but that’s it want the lastest phone ! I’d defo cut the phone / food out / fun / even cut down on use of heat or air con . I can’t even pay for heat in Ireland lol 😂

[@a.howell78]

There is peace in giving God his due, he works in mysterious ways! I have one low income, yet I feel rich because I share with him first! I never go lacking! New subscriber here!

[@MissGlamTV]

Sending a big hug to your family, you guys will get through this! ❤

[@houserau]

Good info and wishing you grace through this season and hope it ends soon

[@GelicaDen]

You've got this

[@joshuabrown3190]

Thanks for sharing your budget. If you don't mind me asking where do you keep your savings money? Do you keep it just in one account and use this know how much of that amount is for each category? I've always wondering this when people budget with sinking funds.

[@amycolucci6769]

Watching all your ads!!! ❤❤ hope it helps

[@TheBudgetingWife]

Awww you’re so sweet. Thanks Amy!

[@tw418]

❤❤❤❤

[@mariayelruh]

I wish you the best, and your cuts seem totally reasonable. I've been subscribed to you for awhile but haven't really watched your channel. I watched your several recent videos and I'm so sorry for what you are going through. I normally wouldn't mention it, but in watching your videos I realized why I didn't watch more regularly. You move your hands a lot and it's very distracting. A lot of it maybe nerves, but you are also touching your face, neck and hair all the time. I'm sure you want to up your viewership and with December being a big ad month you maybe trying to put out more videos and I know it's not the sort of thing that most people wouldn't mention to you. I'm sure I wouldn't be any better at it because I hate being recorded and looking at myself. This isn't meant to be a dump on Marissa comment, but something I picked up that made we want to switch channels. I wish you and your family fortitude to get through this, and to help your KZbin numbers, I'll put up some of your playlists to play while I'm doing something else on my computer.

[@ck4599]

What I don't understand is cutting your giving. How can you expect to be blessed with another job or income when you cut the most important thing?? I I'm not being mean I'm really not I just know the importance of giving. God comes first, that's it, not buts about it.

[@saraibucciarelli1821]

don't cut your tithing. Give to God first. He will always provide. I know you think that's the first place to cut, but it isn't. I've been there, been laid off, have a disability that 90% of people with my disability are unemployed. I kept tithing and ended up in a job with twice the pay I was making before. I know the fear that comes with a layoff.

[@8pookiebear]

Telling someone what to do with their money is inappropriate.

[@saraibucciarelli1821]

@@8pookiebear this is a financial channel. That’s the whole point of a financial channel is to tell people what to do with their money. And it doesn’t matter that you disagree with me. It’s still my opinion. I think she’s smart enough to figure it out on her own. I was trying to offer her encouragement. You should try that sometime.

[@8pookiebear]

@@saraibucciarelli1821 no, I love Marissa’s channel and I know what her channel is teaching. I’m telling YOU not to tell her what to do. Telling someone what to do with their money when it’s a stressful time doesn’t come off as encouraging AT ALL. I promise, you don’t have to buy Jesus’ love for him to provide if that’s what you believe in. 😬

[@saraibucciarelli1821]

@@8pookiebear You need to study your Bible and the principle and meaning of tithing. You cannot buy God's love, he freely gives it to you. You cannot by your way in to Heaven. Jesus already paid for your sins and made the ultimate sacrifice. All you have to do is accept it. Its easy to tithe when things are going well. Its harder when they are not. I've been there. I've tithed during job layoffs. I've stood on the promise of God.. and the other 90% has always lasted.

[@8pookiebear]

@@saraibucciarelli1821 haha alright. Also, it’s buy*

[@sdaniel6027]

I hope you all will keep tithing based off of your income and if or when Jacob receives unemployment. It shows God our faith we have in him and his word. By saying you’re going to stop tithing, it not only mentally puts you in a headspace of not trusting God’s, but tells the unbelievers and people who are questioning their faith they can’t trust his word. I know this an enormously stressful time, but this is how he test us. Do we only have faith that he will show up when things are going good? I don’t want to be judgmental, because I’m not in your shoes. I’m just having a hard to understanding the thought process. With sympathy and love ❤️.

[@elizabethcarballo2891]

EXACTLY THIS!

[@bretthouston9803]

I totally agree with this and believe that tithing is a necessity to entrust my finances into the hands of God. I have loved watching your videos and will continue to do so, but this was an are that I may disagree on. You cannot out give God and like others have mentioned, he will bless your obedience whether the finances make sense or not! Mark 12:43-44, Malachi 3:10, and Leviticus 27:30

[@liz_hughes]

I love how you say I don't want to be judgmental but then you are judgmental. shouldn't you just support your fellow Christian and whatever decision she makes for HER family ? we are asked not to judge.

[@jannelle71]

It's got nothing to do with God. God doesn't ask for money.

[@cryptologiacents6519]

@@liz_hughes Believers and Followers of Jesus are also called to refine one another, spur one another on and not just let them do things that could hurt them. Hebrews 10v24, Proverbs 27v17, Romans 8v9-39, Galatians 6v1. Supporting someone doesn't mean to agree with everything they do. Perhaps read the scripture that you possibly are referring to in Matthew 7v1-6 regarding 'judging'. Taking His WORD out of context can be dangerous. We can all have opinions yet are we as walkers of the WORD of God basing our decisions on What HE says and has said?

[@blessedone1055]

I really liked your videos in the past but to be honest its getting a bit to much your husband lost his job… its life, we should be prepared for.. and seeing you budgeting and giving us advise you should be a role of keeping calm and ready for these types of “sad” events. Looking your videos I am sure you have good amount of money saved up so I do not understand why you are a bit “dramatical” like this period of time would not pass in the next couple of months. Please take this as kind as you can but there are people who stuggle more speacially who has some kind of health issue and has to take expensive medication. You are in a very good position an have no reason why to make this much up.. in my opinion!

[@jannelle71]

She's not claiming to be less fortunate than others. She is just sharing her experience during a time that is impactful to them. For alot of people this is very useful content. 1. It shows that it can happen to anyone even those that never expected 2. It reiterates that being prepared is so important 3. It gets people thinking about what they will cull from their budget if a similar situation occurs. Are you ok? Your comments seem unkind which I'm sure is not your intention. But please know these videos are very helpful to other people. I appreciate them.

[@JolenEE148]

This is such an unkind comment. Maybe think before you post something like this next time! :)

[@kimbystone]

I was thinking about when Jesus said that He saw the widow who gave all she had- two mites. Mark 12:42/Luke 21; Jesus commended her because it was a great sacrifice to her, "out of her poverty". I know it's tight, but even having the faith to give the smallest amount in this time will please the Lord. $20? Doesnt matter the number ♥

[@TheBudgetingWife]

We would love to. I think this was an important first step in hearing this news to cut down to our basic necessities to take inventory of everything. Right now our income doesn’t cover our expenses. We don’t yet know how much Jacob’s unemployment will be, but we’re excited to incorporate giving back in our budget.

[@kakarco5676]

I know this is a hard and stressful time for your family. I, myself have lived off one small income and unemployment and it’s not easy and it takes a lot of prayer and faith. I know that only you, Jacob and God know your situation, but I do encourage you to give what you can, your first fruits, back to the Lord and watch what He does with it. You will be absolutely amazed to see how He shows himself to you during this time. For our family it was absolutely beautiful how He used others and showed us a whole new and beautiful faith in Him that gave me the peace that surpasses all understanding as well as the testimony to share with others of His love and goodness!! My prayers are with you guys! ❤

[@LaReyna]

@@kakarco5676 I completely agree. Almost $2000 they cut back but they can’t give even $20? It’s not much but god will see she’s still being faithful throughout these tribulations. I feel like them saying they “give” often is them trying to excuse their tough time now. God wants them to give now more than ever. So it’s really sad they’re choosing to be, well, greedy honestly.

[@LaReyna]

@@TheBudgetingWife should’ve never been cut girl.

[@5kgxistiouvockzit7r94]

Then pay $20 more this month in Marissa's name ❤️

[@LoveLacedRN]

This “privacy” thing you keep talking about is annoying. Kept me from wanting to subscribe.

[@TheBudgetingWife]

I’m sorry you’re annoyed that I’d like to keep some sort of privacy in my life that I share online… people ask why things are blacked out if I don’t mention it. But don’t worry about subscribing.

[@lindseyfedel9460]

Sorry to see you’re receiving tithing pressure in the comments. I didn’t know tithing had to be done monthly, I thought it could be done at any time and maybe that time is when Jacob’s job is restored and your family feels comfortable. Anyways, you’ve got this and your financial forethought and preparation will serve you well during this time. You’re in my thoughts!

[@TheBudgetingWife]

Thank you. It’s such a personal thing between us and God and why I’ve blacked it out in our budget… and we love to give. I think it was important to still take a look at our budget to see our necessities. And I know many faithful Christians who tithe a year’s giving once a year. ❤️

[@bregieirofernandes]

I’m not a Christian but I’m pretty sure god doesn’t want her to starve to death

[@shaylinedmond2256]

The Bible tells us to give our first fruits. Tithing is an act of faith. It shows where our trust is. By not giving your tithe you’re essentially saying you don’t trust that God will provide

[@EmilyAnneAtHome]

@@shaylinedmond2256 they need to feed their children. Now is the time for you to be quiet. Unless you’d like to show your charity and feed their children.

[@BL-jo8nm]

WoW! I agree. God has nothing to do with monthly tithing…that’s a human’s perspective on giving. One can give in other ways, just as God can bless in many ways. Not very nice to shame your personal decision. You have your own relationship with God and you may choose to express your faith in many ways which will vary in time.

[@Acaceres]

I’m sorry to hear about your husbands layoff. It upsets me looking at the comments regarding giving. I’m a Christian myself. Please read your Bible people. Tithing is a law in the Old Testament. God wants you to give and give generously. He wants you to give whatever you feel in your heart. Please break free of the need to give a certain percentage. Even if you continue to sponsor the 2 kids that would be amazing. You have such a generous heart. God will not punish you for lowering your giving during this time.

[@caseybedenko8866]

I am a new subscriber and I am so glad KZbin put you on my homepage. I have never had a budget, but feel like it’s a great time to start due to the economy. Praying for your family during this hard time! It seems like you have a great plan going on and I know you’ll get thru it. Thank you for helping others out during this time, I really appreciate the advice and the layout. It makes it easy to see how budgets can work, and I like the zero based budget plan!

[@TheBudgetingWife]

Thanks so much for your sweet comment and subscribing!

[@Natalie_11188]

Of course we support you! Your channel has helped a lot of people. I know you guys will be ok too.

[@melissaandreag]

Nice job trimming down your budget. I hope Jacob finds a job soon ❤

[@FooFan-b3k]

Some of these comments blow my mind. Having been there before myself, I can tell you losing a high paying job when lots of others are losing the same type of job is a lot more scary than losing a run of the mill job. Replacing $800 a week is one thing, replacing 150-200K a yr is completely different especially when what you were doing may not be an option. With that said, as an older person I would just point out that good times never last, but neither do bad times. And you seem to have managed the good times quite well and that will get you through these not so good times. Maybe your husband will quickly get another job. Maybe you'll both get jobs. Who knows? Regardless I'd put money on you coming out of this just fine because you know how to win and winners always end up winning. Good luck to you.

[@TheBudgetingWife]

Thanks so much for sharing. ❤️ while I totally know we’re going to be okay, it was a big loss to grieve for sure. ❤️

[@SaraMitchell09]

If you end up depleting your emergency fund you can always pull from your Roth IRA if absolutely necessary. Obviously it's not the ideal situation but it's something that is available as well. I hope Jacob finds something soon!

[@TheBudgetingWife]

Yes! We also have an HSA invested and can reimburse ourselves from medical bills this year. But I’d rather not touch it. Haha I know we’ll be okay. ❤️ thank you!

[@tw418]

Putting giving on hold sounds like the right thing to do. It’s like on the airplane…you gotta put on your own mask before helping others put theirs on ❤

[@kellyfain5368]

Loving that you've been posting more lately! ❤️

[@lauraramirez7864]

Thanks for making this video. I suggested this because I know in times like these, you have to go back to the budget and see what you can cut off immediately. I’m a high achiever as well and have to constantly remind myself that it is not a race to the millions, and that you can actually get back that money and more in the future. I would be looking at the blessings in this situation of getting some severance pay and unemployment. Also having my spouse home for the holidays relaxing and helping out with the kids is pretty awesome!

[@dawngoodrum6004]

You make whatever choices best suits your family everyone else can be full of opinions but in the end I have always fund I am the one that has to figure out what works best for my family, and live with the choice.

[@truthseeker6370]

First time seeing your channel. This is why having an Emergency fund is so important. I started late in life post divorce getting out of debt and building an emergency fund my husband and I never had. Being laid off your husband will get unemployment. I don't know where you live or if you have a 15/30 yr mortgage- but that's a lot and understandably something you can't change now. If you anticipate the job loss to be temporary, keep your little boy in his preschool. If you anticipate it being a bit longer to get another comparable job- preschool pmts need to go or be greatly reduced to attend elsewhere. As long as parents such as you are so involved and concerned with his wellbeing and learning- he'll be 💯% okay if he misses some time in preschool. Speaking as a mom of 6.

[@mareek.]

From our family in Australia to yours we wish you all the best and pray that Jacob finds work quickly with minimal impact to your lives. Remember to be kind to each other and enjoy the little things, as money is not an necessity to be happy!

[@iamjacquesbarjon]

Going back and watching all of the old videos, liking, and commenting! Is the KZbin ad revenue higher if I had KZbin premium too?

[@plaidchucks]

My husband just lost his job last month so I was looking for videos like this. But the one thing that made me laugh is that we currently have a cat named Peter, and I used to have a cat named Jack. 😂

[@ariana112087]

I’m wondering why you and your husband don’t have equal personal spending on the budget?

[@MaineMamaBear]

She has mentioned that he enjoys spending more then she does so she didn’t feel the need to have it the same.

[@BudgetingwithTracey]

Jacob will have a new job soon.

[@jessicatounkara8753]

You are doing great with adjusting your budget during this time.

[@SharonKBM]

Sending prayers your way that Jacob finds a new job soon.

[@Edbeatty91]

The one I don't understand is how you guys can spend $450 a month on groceries. I would wonder what is included in that and what meals that makes. Is that also household items, laundry soap, etc.? I don't think I could budget less than $300 per person for groceries.

[@HoloHoloAdventures]

You did great slashing a lot from your budget. Continue to be optimistic! I do agree, now is the time to have a decent emergency fund. I’d love to hear in the coming weeks if you had to tap into the emergency fund or if you were able to cash flow with your income and his unemployment.

[@carolinaortega8334]

I hope everything's is good with you guys

[@TheBudgetingWife]

We’re doing so well now. ❤️ grateful that season was short!

[@Bob-yh7ir]

You guys will be fine. I wouldn't worry about the tithing unless and until your house is ok. Family and household first then you can give to others. A lot more people are going to be without a job in the coming year. I am looking at being cut but because we have prepped for this , if it happens I will retire early so it's not a concern for me. Heck I am hoping they cut me and I would get a small severance. But we are at the end of our work journey while others still need to be in the workplace. Good luck to you.

[@germanium1872]

This channel reminds me a lot about an old channel I used to watch. It was called Simple Carrie (Carrie Leigh Ana).

[@TheOscar15432]

Sending prayers and hugs to you and your family. I been thur this. May God continue to bless you.

[@shelbyklassen8277]

Love your content - such a testament for emergency funds!

[@donnaeye8781]

Continued prayers for your family!!

[@libertysprings2244]

At your doctor visit make sure they check our thyroid every year. Doctors don't always check for it especially with young people but they should especially for women.

[@amielawson8344]

And most doctors don’t run all the necessary tests. Osteopathic physicians are far better.

[@rubymauries2722]

Just a thought… what if you both are actively applying for jobs until there is job security from Jacob ?

[@TheBudgetingWife]

I do bring in some income here, but also watch both our boys. We’re going to give a little bit of time to see how things go for Jacob.

[@rubymauries2722]

I was in a similar situation while being pregnant and my husband lost his job.. so what we did was for him to get any type of job while he was actively applying for THE job. It took the tense out and at least some sort of income was coming in. Something you can try.

[@dramamama1301]

Omg this is getting old already. We get it he lost his job, but he’s getting severance pay, you have KZbin and savings that you don’t want to share Realize that there are other people off way worse than you when they lost their job. Your husband can find another job and if he absolutely has to then get a damn retail job or something to bring in money. That’s what normal people do.

[@MrRacket991]

They are a young healthy couple in the prime of life. Yes, many are worse off.

[@vitalyaloves]

This is what normal people do, they feel stressed in times of uncertainty. Other people being worse-off doesn't make their situation feel less stressful in the moment, or make them any better-off. What makes you think he won't get a retail job if it comes to it? It's only been a week. It's not hard to exercise some empathy here. When you see other people lose their job, do you first grill them on how much savings they have before deciding whether to feel bad for them?

[@Mom_of_the_Chickies]

@@vitalyaloves I think it’s just annoying because she’s obviously milking it for views. It’s a good business move. More people will watch. But it’s all just coming across very insincere. Especially because he gets severance pay equal to months of his income. They have also been saving to an emergency fund and have three months worth of savings. They will also get unemployment. She’s still working. They’ll probably qualify for low income healthcare. It’s just coming across very fake tbh. That means they have at least half of year or more of money to coast on without working. It’s just annoying to hear her hype up a situation that she herself knows isn’t that bad. She is valid to feel sad but at the same time she’s exaggerating

[@TheBudgetingWife]

Drama Mama… why are you watching then? lol he gets 3 weeks of severance pay. And as I’ve shared many times… I know we’re going to be okay. I know there are people who are struggling MUCH more. I’m just sharing my experience if anyone else ends up in the same boat as lots are getting laid off right now. And just because we’ll be okay doesn’t mean we can’t grieve the loss of a job he loved, have some fear or the unknown and the struggle of loss of insurance coverage. You don’t need to watch if this bothers you so much.

[@vitalyaloves]

@@Mom_of_the_Chickies Your perception of her reaction is subjective, and it's assuming the worst for no reason. Maybe I'm insincere too but I would also be that upset if my family lost our primary source of income.

[@shaylinedmond2256]

The Bible tells us to give our first fruits. Tithing is an act of faith. It shows where our trust is. By not giving your tithe you’re essentially saying you don’t trust that God will provide

[@lcn706]

The bible also says not to judge others.... so...... 🤷🏻‍♀

[@shaylinedmond2256]

@@lcn706 Hi Laura, no judgement whatsoever. The Bible tells Christians that tithing produces financial blessing. As a fellow Christian, who truly desires the best for Marissa and her family, I wanted to remind her what the Bible says about tithing (since she is also a Christian). I apologize if my tone seemed judgmental. It was not my intent.

[@lifeonabudgetwithDee]

Greetings Shaylin, Hope all is well. Tithing is only when you have income. If there no income you can’t tithe. Otherwise, it would be considered an offering.

[@8pookiebear]

So you have to pay god for him to help you? That sounds absolutely ridiculous.

[@scencebabe6635]

I am surprised gas budget is so high for you guys considering you both work from home! We are in the same situation with my husband and our monthly gas spending is only about 90 dollars