My monthly budget as a single mom & homeowner | September 2023

[@PeterRodriguezz]

This budget sheet is 🔥

[@PanelsWainio]

Love it, going to make one; inspired! 😊

[@yolandalowery3853]

So, a good friend of mine moved into her house in a summer month. It had been vacant and no air running. Her unit ran constantly after she moved in because the unit just couldn't catch up from being vacant with no air. The next summer everything was fine with the unit cycling as it should. Hopefully next year you'll see a decrease in your electricity bills!

[@SundaysHealing]

I'm so proud of you and I admire your strength, discipline, and fortitude. I just started watching every penny so that I can purchase a first home soon, these videos are a blessing 🙏🏼🙏🏼😊

[@brittneystraub3387]

Love this budget! The way my checks fell in August, I had what I call an "extra check" so I went ahead and used a majority to do some Christmas shopping. 😂 I got a good portion done so now I can focus on moving forward the rest of the year without stressing too much.

[@monathompson4364]

Heyyy,Queen coming through to show some Love

[@DyanaMariie]

Heyyy!❤

[@carolinepankey21]

I loved the video as always. I’m in the final month before my wedding so I’m not really doing a budget. My fiancée gets paid weekly and I get paid semimonthly so I just look to see what bills are due before the next check and what payments are due for the wedding and pay it all and survive on the remaining. I will be doing a formal budget for October though which I am excited for 😊

[@BudgetsWithELMA]

Great budget breakdown

[@adultingtime]

Loved this video😍 Inspired me to get on and close up my August and set up my September (being lazy😖)

[@ginamoffett1973]

Great video ❤hopefully September is easier for you.

[@chansofancy]

Thanks to you I’m back on track. I used your 1/2 method but I did mine by 4 (we get paid weekly) i found myself having more money at the end of the month just like you said so this is the perfect time to start for October. Thank you!

[@papyrojae8033]

Loved watching this! I feel like I learned a lot 😍😍😍😍

[@lauravterrazas]

I LOVE your transpersncy with your personal finances. It helps so much! 🎉

[@simplyshellie]

I look forward to these videos to help my stay on track.

[@Broaderin]

New subbie! Love your content so realistic!❤

[@HalfwayJac]

You have become my role model. You have really helped me.

[@13Nena13]

Can you explain what you use the buffer account for? Also how much do you put there?

[@DyanaMariie]

It’s funds to use if I go over budget or something pops up!

[@rachel.c.p]

Just found your channel and I can relate! Single mom of a teen boy and also a homeowner of a condo. Good luck with tracking everything. I know it’s tedious but I track everything! I sit down 1-2 times a week and go through each card transaction and enter them into my online tracker. I pay off my cards in full each month.

[@luckelea]

Great budget breakdown. I do the same every month, but I track overall credit card payment instead of tracking by each category; grocery shopping, dining out, shopping, etc. What I love about my Chase credit card, it tracks each of these categories for me. That can possibly help you with your spending tracker so you don't have to do the spending tracker every time you spend money, which can be come cumbersome. Question, your income isn't after your 401K contribution? Or do you have a separate retirement account you're tracking? I may have missed this in a different video.

[@teephillips468]

First time seeing your channel. Something you may want to consider - most colleges and universities no longer consider parents retirement funds when calculating financial aid. As parents we naturally want to save for our child's college account, but you may want to put that amount into your own Roth IRA. If you need to take it out for college, you can take out your deposits. I stopped contributing to my son's 529 and now redirecting that to my Roth. All the while we will be pursuing hundreds of scholarships.

[@gabriellebeasley1938]

Have you tried researching any government programs in your area that could assist you with getting your home insulated? You would be surprised how many programs our out there to help first-time homeowners.

[@AligningHer]

Im getting ready to move and the numbers this month are larger than normal. I think I feel good, well I feel great about the move. The monthly budget is tight. Trying to create a path to getting a month ahead by Jan 1st. What program are you using?

[@2024FingersCrossed]

Lawn care needs to be changed on your Budget, nice Budget sheet.

[@aleciariddick7719]

When are you going to do a video about how to get lucrative side hustles? Also, how to get high-paying jobs?

[@aleciariddick7719]

I'm doing great for my September budget. I actually got some buffer money and I don't have the erotic desire to eat out. I have $125 saved. I'm trying to save money to buy propane for the Winter. I'm a homeowner like you and I have had some of the things that have happened to you like the water heater When you get your new one it will last 20 years. Mines did. I inherited my home and can't wait to pay it off so I can get a HELOC and remodel the home like I want it.

[@StinkyBinky24]

Can you zoom into the spreadsheet when you're working on it? It's so hard to see

[@RachelCumberbatch]

You can zoom in from your mobile just pinch and expand I hope I explained that correctly 🤣🫣

[@caprispillingtheteaLST]

I was thinking the same thing 😅❤

[@NEVBB24]

Glad your budgeting! A couple of thoughts …. Would you cut out the eating out and coffee for a while to get rid of the credit card payments? Also, glad you are throwing a set amount to student loan above minimum. I’m doing the same for my HELOC but I do two payments - one minimum and one towards principal. Not sure if student loans can do the same. Good luck!

[@Malik_1995]

Where did you get your budget sheet from?

[@tonyharris4148]

Good morning! I have to say that you have it together and you try so hard. Love to talk to you one on one

[@suninaustin]

Question: How many checking/saving accounts do you have?

[@christinamaniscalco1141]

How long did it take you to make that much for your side hustle? Is KZbin your wonky side hustle?

[@ThePathOfLeastResistanc]

That’s what I’m asking cuz I’d think with 35k subs you’d be making more than 400 a month on ad sense revenue alone

[@sara24601]

@@ThePathOfLeastResistancI don't know if she had more side hustles outside of KZbin, but the budget shows that she expected to make around 1300 but actually made about 1700, she said it was about 400 extra (more than she budgeted for).

[@jackieellis1690]

Have you considered Mint Mobil? Unlimited $15 a month

[@Aumaridad]

I can't explain why budgeting makes me so hyped but if you switch to a prepaid sim card for your phone, you can slash your bill down to $40 a month! I'm paying $80 a month for 2 lines, but I use T-Mobile! 🤑🙂

[@kimwieczorek1879]

We save 60.00 mo. without alarm Co.

[@chanelwinins1420]

How did you get your mortgage that low 👀😮‍💨🙃 Need A Video On That 😂

[@katemorrison5444]

Dear Dyana! I appreciate you giving your great advice. Honestly Achieving financial stability requires intentional planning, unwavering dedication, and consistent effort, rather than being a matter of luck. I owe a debt of gratitude to Mrs. Maya Payson, for her invaluable guidance, which has enabled me to generate a weekly income ranging from $5000 to $7000. She changed my whole life.

[@baxtersamuel5787]

This lady called Maya Payson must be very good for people to talk about her this much. she handles my colleague's investment too. I'm surprised to see you talking about her.

[@katemorrison5444]

Yes Bax she's very good, one of the best. A registered investment Advisor that's well grounded on financial market, I Met her once during a trading conference in Oklahoma U.S

[@angelmiguel133]

i'm well pleased to meet you Kate, I also invest with, Mrs. Maya, ever since my first investment with her i have never for once had any issues when withdrawing my profits. she is straightforward.

[@taylormuller3959]

I am not here to converse for her but to share a testimony of what I confirmed, she’s the best broker i know who is sincere, trustworthy and reliable. kudos! Maya

[@salmarangel87]

I heard about this lady on Larry Jones channel, please how can i get in touch ?

[@elisalozano4862]

Your mortgage is only $800 a month? What city and state is this? You make 5 times that amount. You are financially independent 🏆

[@dickersonr6172]

Enjoy the moment when your kids are bothering you lol. One day they going be running away from you

[@ThePathOfLeastResistanc]

Is the extra 400$ from KZbin? You should be making more than that no? Do you have google Adsense set up?

[@ImpudentDemiGOD]

You tithed $500 to a tax free organization, but paid $40 toward your Citi card? WTF?

[@RachelCumberbatch]

That was last month and surely up to Dyana what she tithes, no? 🤔

[@GetGwapThisYear]

@@RachelCumberbatch course it is, it just makes no sense. Keeping ya preacher in diamonds while relying on credit cards is craaaazy.

[@MrCrossface007]

Was looking for this comment. Craziness. Tithing should be based on disposable income. How do people survive making car payments to church?

[@RachelCumberbatch]

@@GetGwapThisYear she never said she gave it to the preacher though…. 😉

[@RachelCumberbatch]

@@MrCrossface007 you are clearly not watching her past videos she doesn’t just give to church she helps people in need and that is a blessing. She’s doing just fine ….