Money Diaries #9 • Savings Challenges • Happy Mail

It is time to spill the tea on my last week of spending for the month of June! Join me as we discuss our spending totals for June! It was a little outta control!!
We also open happy mail and stuff our new JULY binder!!
Happy Mail
‪@JanellRaeBudgets‬
‪@ChampagnesCorner‬
‪@tandlbudgets7870‬
It seems as if the storm we are in keeps bringing more rain. We are working to get a large business debt paid off in 90 days.
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#debtfreegoals #savingschallenges #moneydiaries
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/ @snowgardener307budgets
ALL MY SAVINGS CHALLENGES:
July Binder- ‪@JanellRaeBudgets‬
9. MOOnlight ‪@lizandless‬
10. Positive Affirmations @champagnescorner
Christmas Cuties Binder - ‪@CraftCoBudgets‬
Snowflake Christmas Binder - @JanellRaeBudgets
1. Puppy Snowflakes -Rami ‪@budgetpaparazzi‬
2. OCD Christmas -Dani @CraftCoBudgets
3. Penguins -Tracy ‪@GoldenGirlBudgets‬
4.
5. Snowman- Janell @JanellRaeBudgets
6. Mystery Savings- Kim ‪@StarBudgets‬
7.
8. Merry Christmas- Yazmine ‪@OfficialBudgets‬
9. Fred Jr.- Shannon ‪@307designstudio‬
10. Holiday Cheer -Champagne ‪@ChampagnesCorner‬
11. Double Sided Christmas- Judy ‪@savewithjudy‬
12. Gingerbread Cutouts- Wren @MischiefManagedBudgets
Red Savings Challenge Binder
ALL BUX- @reinventingrene ‪@reinventingrene‬
Blue Glitter "Full Size" Savings Challenge Binder
The Life of a Pig *
Pop It! *
Life is a Beach *
Shut the Box- @reinventingrene
2024- @TheALMOSTOrganizedOwl
*= Use the link above for my Etsy store to find these products
Our starting debt total in April 2020 was: $365,862.62
Our 1 year debt total in April 2021 was: $274,008.61
Our 2 year debt total in April 2022 was $206,365.15
Our 3 year debt update in April 2023 was $210,786.75
Our 4 year debt update in April 2023 was $201,986.79
NOTES:
In 2023 and 2024, we incurred more debt and paid a large portion of that debt off, so our debt paid numbers are actually higher than what they appear.
The above numbers include our mortgage.
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SnowGardener307 aka Marlene
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DISCLAIMER: I am NOT a financial advisor or expert. All views and opinions on this channel are my personal opinions. I am documenting my journey as it relates to my family’s financial, and debt freedom, progress and sharing how we manage our money. Prior to making any financial decisions for yourself/your family, CONSULT your financial advisor or planner.

[@jlkuttler]

Love the happy mail! Great savings day with those silly chipmunks.

[@SnowGardener307Budgets]

Thank you Jessica!

[@gentlecharmbudgets]

I love how you have been writing down your debt at the end of each video so I decided to try this and I am now I extremely excited about debt payoff again. I have already got 2 debts paid off and i am over half way done with a 3rd one So i just wanted to say thank you

[@SnowGardener307Budgets]

Me too! It is so inspirational to see what we have been able to do each video! Wahooo for your progress! I am so excited this is helping to inspire you to tackle those debts!! Congratulations!! 🎉🎉🎉🎉

[@veronicam1726]

I love that July binder!

[@SnowGardener307Budgets]

Me too!

[@angelaromero2542]

I Love all your happy mail and the July Binder is awesome!! ❤️

[@SnowGardener307Budgets]

Thank you so much!

[@ivyhartsfield9352]

Watching 😊

[@SnowGardener307Budgets]

Thanks for watching

[@beautymombudgets]

Hello Marlene, here catching up on videos!! 🫶🏻

[@SnowGardener307Budgets]

You're the best!

[@shonnebailey]

Love T&L budgets I have ordered from them a lot in the past !! Always great quality

[@SnowGardener307Budgets]

Yes they are! This is the first of their products I have received but I will definitely order some more! Such great quality!!

[@Colourfulbudgetsuk]

Loving the July binder. And happy Mail

[@SnowGardener307Budgets]

Thank you so much! ❤️❤️

[@authenticallyallison]

❤❤❤ cute rain drop challenge

[@SnowGardener307Budgets]

So cute!

[@sydneysmith1921]

I watched this last night and fell asleep (I love your voice) anyhow re watching today and now commenting it’s 60° your cold as we’re in a heat wave already 91° at 11 am

[@SnowGardener307Budgets]

Haha I often put myself to sleep if I edit videos late at night. 🤣🤣 It's July 4th and I will have to cover my flowers tonight because it will be in the 30s! Today might hit 70... keeping my fingers crossed.

[@OdettesBudgetingLife]

Here watching. ❤❤❤

[@SnowGardener307Budgets]

Thank you!!

[@moneywithjustliving5258]

Good Morning, watching while on vacation.

[@SnowGardener307Budgets]

Good morning! Hope your vacation is wonderful!

[@adrienneadelsperger897]

❤❤❤❤

[@SnowGardener307Budgets]

😁😁😁

[@ShannonsBudgets]

Good morning great video ❤❤

[@SnowGardener307Budgets]

Thanks so much

[@kittyface7kat327]

Great video Marlene. :)

[@SnowGardener307Budgets]

Thank you!

[@TheBudgetPrincessa]

Great video 🫶🏽🎀

[@SnowGardener307Budgets]

Thank you 🤗

[@BudgetRx]

new subscriber here and new budgeting YT'er. Thanks for a great video!

[@SnowGardener307Budgets]

Welcome!! Thank you!

[@marieallen2419]

Here from New Zealand. Love your videos ❤😊

[@SnowGardener307Budgets]

Yay! Thank you!

[@AishaMBudgets]

The July binder is adorable! Love the patriotic cats! Those chipmunks were eating up all the money today.

[@SnowGardener307Budgets]

It is so cute! Yes those chipmunks were hungry!!

[@marshafugitt3460]

Great video

[@SnowGardener307Budgets]

Thanks!

[@ajulydreamer]

Hey Marlene! Catching up, its been a while ❤❤❤

[@SnowGardener307Budgets]

Hello Miranda! 😁😁😁

[@sebbie9060]

The way you did July binder in this video. The rolling of multiple dice, I loved it. Using Number 10 as a catch all was a great idea. I have a FFS jar, that I use as a catch all. My husband asked if the jar was for emergency funds, I said no it’s “Funds For Stuff) lol Our children are little, their school is always holding some form of event or themed day that requires between $1 - $5 having the jar means we always have some form of coins regularly available.

[@SnowGardener307Budgets]

I am so happy you liked it! It was a spur of the moment decision while filming! I love using the extra dice! 😁😁😁 Love the FFS jar idea!

[@toebeanbudgets]

I think you shortage #7 one dollar. I purchased the July mystery binder too, might take me all year. 😅

[@johnnytieszen]

No she didn't I'm working on the June binder with $30 a month it's all gonna go to debt for me

[@SnowGardener307Budgets]

I may have! You know I like to make mistakes! LOL...wahooo the July binder is so dang cute!!

[@SnowGardener307Budgets]

Johnny thanks for letting me know I didn't make a mistake this time! Awesome for the money going to your debt! Every dollar counts!!

[@briaexploresbudgeting]

65* 😱 ?! it was 96* today in New Orleans with 88% humidity lol

[@mirandamatte4951]

We just moved from New Orleans to OK and we're hoping we could escape some of the heat but it's been in the 100s here😭

[@SnowGardener307Budgets]

Hahaha...we might hit 70 today, if we are lucky and it is going to be in the 30s this evening so I will be covering my plants. It has been a cold summer and my garden is showing it!! But I don't like the heat unless I am sitting on a beach or next to a pool and I hate humidity!! Eeekkk...lol...so I suffer through the cold! LOL

[@SnowGardener307Budgets]

Miranda the 100s? Oh no...I would melt!

[@mirandamatte4951]

@SnowGardener307Budgets oh I'm definitely melting!🤣 and I'm 31 weeks pregnant so that just makes it worse! Time to pack up and move to Alaska because this heat is disrespectful lol.

[@briaexploresbudgeting]

@@mirandamatte4951 haha we just moved out of vegas, it's 119* in vegas this week

[@mariswayoflife]

🫶🏼

[@SnowGardener307Budgets]

💜💜

[@diannerichards6018]

Great video.

[@SnowGardener307Budgets]

Thanks!

[@shonnebailey]

[@SnowGardener307Budgets]

I just love these little emojis!

[@varseyhumphrey9748]

Really loving this method, may work on a goal to do one next month!

[@SnowGardener307Budgets]

I love the monthly binder! It is so much fun! I will reuse this binder next year as well!!

[@thebubblystuffer]

Watching 😊

[@SnowGardener307Budgets]

Thanks!

[@StarBudgets]

❤❤❤

[@SnowGardener307Budgets]

💜💜💜

[@bethbeckwith7928]

[@SnowGardener307Budgets]

Hi Beth!!