Master Your Finances - Uncover the Secret to Becoming a Budgeting Ninja!

[@tired_buthappy]

I have a 4th C to add: contentment. 💛

[@KateKaden]

🥰🥰LOVE IT!!!!

[@wunderwriter1]

Please create “budget ninja” clothes and accessories! That’s such a great concept.

[@KateKaden]

Omg! Love it!!!

[@esthers9140]

I want a budget ninja coffee mug.👍

[@wunderwriter1]

@@esthers9140 Me too! And a night shirt, and a hoodie, and a beanie, and...

[@kimberlystrickland189]

Love this idea.

[@ramonalopez7516]

Yes! That would be awesome....just super soft fabric if possible. :)

[@kankerdoodleb9149]

Saving first changed my life...between retirement, emergency and regular savings a huge chunk of my money every month is "off limits"...thanks for another good video

[@KateKaden]

Yasss!!!!

[@valeryrodolico9238]

Kate, I just want to say how much I appreciate you and your encouragement. A year ago, I started my financial peace journey, and today I did a thing: I have a Christmas budget set in place and ready to go; and my first purchase was to myself, a KSquad hoodie. To anyone who feels discouraged, please keep going. Budgeting works and will bring you peace. And hugs to Buns! ❤️

[@KateKaden]

VALERY!!! I feel like crying right now! This message means sooo much! I hope you wear it with pride, letting it symbolize how amazing you are doing! Soooo glad you are here!!!

[@jonquilcat7945]

What helps me most is watching videos like this and seeimg the community share. It keeps me accountable to myself and keeps me motivated. Hahaha Buns!!!

[@erinjones956]

This was 3 years ago?! Wow! Kate, you're the best!

[@KateKaden]

Thanks so much Erin🙏❤️

[@eleonoracavaliere1634]

Kate, I'm a micro-surgeon on my budget...you made me laugh but it's so true. Hi from Rome, Italy 👋😁

[@arthurmantzouris4413]

I don't have anything as a ninja but I have already done my budget for next month when my bills comes in already....I have written down my budget now for two months it's really hard to do it for the entire month but I do it with Joy and peace. And I don't have any bright ideas but Kate is so right when u write out your budget it gives u FREEDOM!! I mean it gives u freedom to breathe....and it allows u to know exactly where yr money is going...n that is PRICELESS....

[@LMCEK]

Omg I have been watching Til Debt Do Us Part for years! Gail Vaz Oxlade is our Canadian Dave Ramsey lol. You would love her books too. 😍

[@KateKaden]

Ahhhh! I will have to check them out!

[@peace-a]

I take pleasure in getting my budget ready. I budget per paycheck which is every 2 weeks but I review it daily and tweak as needed. It's always so nice to see when I have extra money leftover where I have to decide if I should send even more to my fully funded ER fund, more to my mortgage principal, or more to buy Trader Joe flowers 💐 😁

[@suzettecooper382]

No impulse buys. It took me time to achieve it . Great budgeting tool

[@kristinwb]

Love this! Also, don't let subscription crap like Amazon, Netflix, Hulu, Disney+, etc. creep out from "Lifestyle" and sneak into your "Household" category. Streaming services are NOT necessary to sustain life, contrary to popular opinion. Neither are subscription boxes like Ipsy, Birchbox, Barkbox. With the exception of bare minimum generic, possibly second-hand clothing, clothes also belong in "Lifestyle." Decor is always "Lifestyle" because a household runs perfectly well without new decor. If you're honest, anything more than basic makeup is "Lifestyle." Be really strict with yourself about what is or is NOT truly a necessity. The question to get into the category "Household" should be: could I eliminate this expense and still run my household? If the answer is "no" then it's truly a necessity. If you could eliminate that expense and still run your household, then it belongs in "Lifestyle" and should be on the chopping block if you need to balance your budget.

[@tiffanylikestodance4452]

This was a great explanation! Thank you for sharing

[@karil6461]

I'm still a budget sushi roll. Something just doesn't click for me. So Next year I'm doing automatic payments/savings/sinking funds everything. Just going to try breaking it down to needs and fun money

[@KateKaden]

🤣🙏🙌

[@stepha.7658]

The cash envelopes changed it for me

[@ramonalopez7516]

I signed up for this app called Albert...stumbled across it and basically it tracks every thing you spend and categorizes your spending into easy to see broad categories like ‘dining out’ for example. So after a month and a half...I had an idea of where the hell my money was going and that’s so eye opening. ...Then I started the EVeryDollar app better able to know how to categorize all of my spending for the next month ahead. EveryDollar is an app that I use religiously...multiple times a day in fact. I still use Albert too, but now for a place for unlimited sinking fund categories. Not sure if this all makes sense, but it’s taken me until I was 49 to really understand budgeting and now I’m totally confident and would classify myself as a budget ninja. :)

[@moniquemonique3430]

Hi Kate, yes always hit the thumbs up. I have chose "Frugality" as the word for year 2021. I definitely got the memo. Thank you

[@KateKaden]

Love it!!!!!

[@paulaspeak4338]

That is what I've always said. Budgeting is simply adding and subtracting. Take total check - bills and what you have left is for savings and "lifestyle" extras. #1 Rule live BELOW your means speaking from hard experience.

[@KateKaden]

Yasss!!!

[@christiS907]

Love the simplicity of it !

[@KateKaden]

YASSS! Thanks Christi!

[@annewatson4786]

I loved the show “till debt fo us part”-I watched it quite a few years ago on cable TV-some of the stories just amazed me-

[@FrugalLadybug]

I would love to see a reaction video to til debt do us part episodes. Oh and I have to tell you it always makes me happy when Buns is in your videos :)

[@nisuUtau]

I LOVE "Till DDebt to us part"! I am watching it on youtube. AND! I LOVE Buns

[@Linda-or6rb]

Good ideas for a more stream lined budget. I like Giving, Saving, Household & lifestyle. I still on Baby Step 2 so replaced lifestyle with debt

[@sherribrink5664]

Older video, but a great video.❤ I love your budget videos and that you use every dollar and a 0 base budget. Us too!!! Wish you would do more videos on budgeting. Thank You 😊

[@KateKaden]

🙏❤️🙌

[@cindyann5841]

Omg I love your video's, you are a nut!! I love it!! You get our attention and give us excellent advice!! Love it!

[@KateKaden]

Thank you so much for "getting me" Cindy Ann! Appreciate you more than I can say!

[@ChrisRampersad]

you rock Ninja. I loved that show To Debt do us Part. I couldnt believe some of the people, and they were just like that, no budget, spending tons, especially on snacks at the gas stations!

[@KateKaden]

Right!?! Ahhhh!!! I’m like noooo!! Don’t do it! Lol!!!

[@sanduganga]

I love your programmes. I'm a frugal person and do most of the things you talk about. I watch your programmes when i need some motivation. Keep up the good work.

[@stepha.7658]

Girl I resisted the cash envelopes forever! Finally I gave in and it has been so freeing. When the money is out... It's out. No overspending. Oh my gosh!

[@KateKaden]

Love it!!!!

[@ajohonly3721]

I’m Ajoh I’m Kate’s student I’m committed I’m confident I’m consistent I’m be coming more comfortable in my budgeting skills. I’m killing it I got no shame in my budget.

[@jackiemcos1407]

Girl you got the skills :)

[@cathiswiney4793]

Hi Kate! Absolutely love watching your videos!! I have a question about the 4 categories of budgeting. What if you have home projects that need done or need outbuildings built,etc? Where do you factor in saving for those things? Also, what %'s in each category do you find works best for most people? Thanks so much!!

[@andreea.andreea]

I pulled a paper from my daughter's notebook, wrote these 4 cathegories , filled in and put it in my wallet to see it each time I urge to spend. Love it Kate! Your approach is easy to manage, useful & no time consuming👍

[@amandaavila5968]

LOL...4 categories, not 25, not 72... you almost made me spit out my lunch with laughter. Also, I used to binge watch ‘Til Debt Do Us Part even though I was out of debt. Are use the show as a reminder of what not to go back to and what behaviors to avoid altogether. Thanks for this video.

[@esthers9140]

I wanted to add...I like how you stressed the giving part. I have a strict budget because I have to..we live on a very low income. Fortunately our only debt is our mortgage. My daughter and her husband are struggling financially right now because of things going on in the world. They had my first grandchild July of this year. I have been sending diapers and things on a regular basis and even though it's not bankrupting us..lol, it's making things tighter for my husband and I. You made me feel better about it now though..🤔it's my way of "giving" for now.

[@KateKaden]

Thank you 🙏

[@gretchenirwin3036]

I’m so glad you including giving. I’ve tithed for years and it has completely changed my heart. God always comes through.

[@joycegonzales4994]

I like to break down each category a bit more. I like to have 4 insurance categories, as an example, so I can immediately see when they’ve raised the fees. Also, I have eating out under entertainment instead of with groceries

[@KateKaden]

Yass!! My eating out is under lifetime. Hope you have an awesome weekend Joyce! Thank you for watching and sharing with us. Appreciate you.

[@cynthiacampbell7224]

Very nice video will start budgeting. I also met the money challenge $1,200.00.

[@jat6547]

Wgeb I saw the picture of you, along with the title..... Dam Funny !!!!! You Rock Girlfriend !!!!!

[@ivyb524]

I wanna be a budget ninja ! Can I be a turtle? I call Leonardo!!! TMNT for life! Lol . I really like till debt do us part btw! Your videos are great. Love the mask!

[@mia-horror-thriftin-vegan5300]

I fell out of my whole savings/budgeting routine (trying to anyway). So how great for me to watch this video with the feelings of being called to revisit this area of my life. Going to do a K-squad binging session this week! Thanks Kate, you really do motivate people 💚

[@bonnyroggenbauer6518]

I always try to think of a word for the year and have a hard time coming up with one. I saw someone mentioned frugality. That is going to be my word. Every year I start off great, and end the in debt. So sick of it. This year paying off debt, getting life insurance, and making a wills, for me and my spouse. This is always my plan and I never have finished. And the most important, no more new debt. And I need to have sinking funds and a savings as I have none. I am probably going to have to cancel amazon prime. It is my biggest money pit every year. Ugh

[@gabrielagorvenagalvan2723]

Hello Kate!! So grateful that I’ve found your channel. Thank you for all the great information

[@sherrypoole4430]

How much do you save. Does this include Christmas. Car maintenance? Love your videos

[@stephanieporter6836]

Another great video! I think it's really important before you even start budgeting to have a clearly stated "why". My why helps me to remember to be consistent and to not give up. I think it took me 3-4 months of budgeting before it became easy. The biggest game changer for me was tracking my spending (the $ left over after savings and bills).

[@KateKaden]

Thank you Stephanie!!🙏

[@gopracks]

I have watched this video of yours so so many times! But just thinking of ‘giving’ still hurts… Though mentally I understand that is creating shortage consciousness… but energetically it feels super duper burdensome to even think of!🥺☹️ is that how it starts?

[@Candiegirl13]

My budgeting issue is.... I haven't put money in my savings in ages but from time to time have to tap into it when stuff gets tough. But the reason this is, is I have a mortgage and try to put as much money to that as possible and I also like to travel so money goes towards that.

[@altaneri6980]

I use to watch that show. It made me grateful for being debt free.

[@KateKaden]

Totally!!

[@vanessasmiles849]

Please do a reaction video for debt do us part!!! I absolutely love that show!!!!

[@juliemann4151]

So good. I just adore your videos.

[@KateKaden]

Thank you so much Julie!!!!! appreciate you!!!

[@dianehaislip6888]

lol love the BUDGET NINJA ...u go girl

[@KateKaden]

Ahhh! Thank you Diane!

[@ReeceCaruso]

Really great suggestions! This is such an important topic to be discussing right now, I really enjoyed the video!

[@melanieh5051]

WHERE DID U GET THE FRIENDS MASK? I have a coworker who is obsessed with friends she has everything already but I think this is one thing she doesn't have!

[@Reina623]

I would be interested in what you say to people that don't believe in budgets. FYI: I do believe in budgets and practice the routine.

[@jessicaward4911]

Buns is so cute

[@KateKaden]

Thank you!!!🥰🥰

[@kaitlinobrien243]

Omygodess! I am NOT a budget ninja! 😂 I am going to start 2021 with ninja intensity. 🎉My excuse is I live in EU currency and earn in Canadian. 🇨🇮🇨🇦 Excuse! Thx Kate! 💜

[@KateKaden]

👊🥰❤️

[@esthers9140]

I love that show til debt do us part..some people have NO concept of the word "budget". I'd go insane without one. BTW..I love your show too..lol. You inspire me to keep doing what I'm doing.😊

[@KateKaden]

Thank you soooo much!!!!

[@josephinebretzel1918]

When you wrote "Lifestyle" I was like "Lifestyle is Kaden's gym" 😂🤓

[@KateKaden]

Ahhh!!! It used to be🤣🤣🤣 haven’t been since March🥲

[@josephinebretzel1918]

@@KateKaden Same here for the dance lessons I take... miss it 😥 But switched the money to some art crafts/diy projets to keep me busy and "off line/off screens". Can't wait the video about the word you will choose for 2021. Have a nice week-end. Love from Paris 😘

[@carrierice7169]

I only get 1070 a mth for disability and i save 400 a mth this year i have saved 4 thnd not to bad

[@sarah-074]

so good hi buns, he's so cute classic . you are a ninja pro... love just the 4 catagories ...

[@KateKaden]

Thank you Sarah🙏

[@vidahappy-frugalspanglishv1528]

Wow Kate! I am letting the ads play and cant wait for them to be over to see your video, lol

[@KateKaden]

You are the sweetest!!!

[@Rosa-kf6yy]

Oh Buns, silly kitty.

[@kimberlystrickland189]

I can see Kaden so much in your thumbnail for this video.

[@KateKaden]

Ahhh! My baby!!!

[@zwarner2954]

Kate, which category would you put student loans in? I appreciate the simplicity.

[@lenabellamy1262]

Household

[@melissalee333]

Hi Buns!

[@Laddie999]

What kind of camera do you use? I'd only buy it if it comes from the budget ninja lol

[@bruce5895]

Tip # 49 for saving your money, stop buying alcohol and smoking, you will be surprised at how much you save.

[@KateKaden]

Yeah this is always a good one!

[@wendykonrady5894]

Love Buns he should have his only channel ❤️ I make enough money now to keep my Household budget but no extra . Thinking 🤔 about getting a second job not sure 🤔 if it will be worth it any suggestions?

[@KateKaden]

Heck yes!!! If you can find something part time that is kind of fun? Or different or atleast tolerable!? Lol!!! Extra could be fun!

[@smartypants1980]

What did you do to get such lovey dovy cats? Jerky is the exact opposite

[@KateKaden]

Lol!!!!!

[@Bast16711]

What is that fang shui book?

[@donnarakitzis2719]

I wanna be a budget ninja!

[@keychabudgets]

Thanks Kate!!!! #BudgetNinja2021

[@ttu888didfitrhondavigil8]

Budget ninja here! Debt free, mortgage free. I enjoy your videos

[@queentinadoire6931]

Budget Ninja here. I have a healthy relationship with the money that I earn. I value my money based on how many hours I take to earn it. My cousin asked me for $300.00. I calculated how many hours I would take to earn this money, and I said "NO." He's lazy, so why should I work so many hours just to give him money. I can put that $300.00 in my emergency savings.

[@KateKaden]

I love a budget ninja! YASSS!

[@jessicaward4911]

Hi Kate

[@KateKaden]

Hi Jessica!!

[@smartypants1980]

John Campea and RobertM Burnett talking about cool movies and Andree5000 over at Black Nerd talk about cool movies and tv, and that busts my budget so I am not a budget ninjs. How ever, Rachel Cruze's Zero based budget gelps me stay just outside my $5 threashold. I really need to raise that number

[@KateKaden]

👍

[@darndtdarndt9700]

OR i watch the video because i like you a lot!

[@kforce610]

What do I do if our income fluctuates?

[@jonquilcat7945]

Is there an average minimum that you earn? Dave Ramsey would say you budget from the average minimum, the months you earn more you can adjust accordingly.

[@tiffanylikestodance4452]

FYI- the two video links are not in the description 😅

[@KateKaden]

Oh no! Oops! Was there was one you were interested in? I can find it for ya! Sorry about that.

[@smartypants1980]

The Cat wanted Candy

[@KateKaden]

Haha!!!

[@kaitlinobrien243]

💜🌼💐🌻🌼💐🌻💜

[@KateKaden]

❤

[@carrierice7169]

Can u do another cleaning video

[@KateKaden]

Oh I’m so glad you like those:) I’ll put it on my list for the future:) I think I have 4 of them (decluttering)🥰

[@milda0820]

💖

[@KateKaden]

💕

[@StacyBlack1970]

#bingewatchingkate

[@bruce5895]

Kate you have a sweet tooth just like me, I can eat a whole chocolate bar no problem, once I start I cannot stop until its gone.

[@KateKaden]

Wicked sweet tooth! (And I like salty too!)

[@bruce5895]

@@KateKaden Go for it Girl !!!!!!!!!!!!

[@rochellethundercloud346]

Or,one budgets,and the other spends.thats common,too.

[@KateKaden]

Totally

[@pigletsbank437]

🦸‍♀️

[@sandrafromscotland]

👍👍👍😻👏👏👏

[@KateKaden]

😍🥰

[@abrareads]

I have a hard time doing the unique budget every month, but I have a million sinking funds so I can pay annual things or repairs when I need to.

[@KateKaden]

Thank you so much for sharing with us!

[@lindaoliver5904]

COVID-19

[@KateKaden]

I hear that!

[@sandrafromscotland]

Budget 🥷 "Got the skills to pay the bills" 🙌 Consistency is key so true 🙌 Replay 08/05/22 You said you'd love to do a video with you reacting to one of the Til' debt to us part videos. Still interested? Or nah over it! 😂 My answer to your question at the end is, the first two lines of my budget are 1. Live below my means 2. Save 🥷

[@pigletsbank437]

Hallo kate! budget ninja🥷

[@KateKaden]

YASSSS!

[@sherrypoole4430]

How much do you save. Does this include Christmas. Car maintenance? Love your videos