My Life Is Too Chaotic | Budget With Me | July 2024

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I've got so much going on right now and I feel too disorganized to be at my best so I'm trying out some new things this month! Let's talk about it and budget for July!
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Other links:
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My favorite financial books:
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Thanks for watching! 🤗
xo,
Lo
**This video is not financial or legal advice. This is just me sharing my own experience with my debt and finances.
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[@laurensmoneymindset]

The first 500 people to use my link skl.sh/laurenmiller06241 will get a 1 month free trial of Skillshare premium!

[@Justchilling8261]

Very nice that's you're planning on actually paying yourselves first! All the best 😊

[@HS-oz8im]

keep the cute pictures of Miles coming, so happy he's enjoying his cat tree! I also listened to that episode of bigger pockets and thought that part was insightful and useful to plan for those costs when I go to buy a house in the future. Thanks for sharing!

[@Plantation1984]

Don’t sweat the high mortgage payment. We did the same thing on LI with 6.3% interest. We have a mortgage of $4200 and we bring home about the same money as you guys. Trying to aggressively pay off our last consumer debt - our Durango (just over 13k left). I wanna have that paid off by September. Just stay out of consumer debt and then refinance that loan when the rates eventually come down. Getting out of consumer debt I think is SO rare in the US.

[@laurensmoneymindset]

Great perspective! Thanks for the encouragement and totally agree-we’re avoiding consumer debt at all costs

[@Tinaluvsdc]

Lauren - You look so happy and I love to see it ❤❤❤

[@jenniferboots9467]

I believe Shay Budgets uses Notion.

[@user-if2hm2mp9w]

Why have you deleted a lot of your videos?

[@julianamartinez9737]

she did? which ones?

[@user-if2hm2mp9w]

@@julianamartinez9737 A lot of them from 507 videos to just 164 videos.

[@rachellawyer3421]

Miles looks extremely happy with the new perch 😊

[@laurensmoneymindset]

He loves it so much! He spends all day out there 😻

[@kristinasacchitella1683]

What car insurance company do you use? Is that for one or two cars? That’s a great rate, I’m trying to shop around and get ours down

[@laurensmoneymindset]

It’s safety insurance I believe. We use an insurance broker who helps us shop around for the best rate. Our cars are older (2014 & 2015) plus were in our late 30s with great driving records so I think all that helps

[@charity7273]

One thing to look into, does your mortgage company allow you to 'recast' your mortgage? May be an option in the future to lower your payment.

[@laurensmoneymindset]

Great point! I’m hoping we can refinance to a lower interest rate in the next couple years but def something to look into if we can’t

[@delayedgratification581]

I have a similar mortgage and we better love the house LOL

[@laurensmoneymindset]

Right?! My goal since we started trying to have kids 8 years ago was to get into a house like this so when I look at that payment I try to remind myself of how much I’ve wanted this and try to focus on gratitude that we were able to make it happen at all in this economy

[@delayedgratification581]

Yeah, 1 month at a time. Hopefully you can refinance in a couple years. Get yourself ready for that financially :)

[@isabel2589]

I just realized Miles' SF is higher then you, your husband and your daughters' 🙃

[@laurensmoneymindset]

Haha yes but his includes food, insurance, medical, toys, etc whereas our food insurance, and medical comes from other areas of our budget. But we do love him so much 😻

[@tanjakoch13]

Which Amex card do you use? Thx!

[@laurensmoneymindset]

This one! (affiliate): americanexpress.com/en-us/referral/blue-cash-preferred-credit-card?ref=LAUREMR5Cp&XL=MIANS