November 2019 Paycheck Budget Overview

Today, I am bringing you with me on my budgeting journey. We will be going over the paycheck that I received on November 1, 2019. I am a paycheck budgeter, which means I create a paycheck every time I get paid.
Before, I got paid on the 5th and the 20th, but now that I am self-employed full-time, I get a paycheck once a month, on the first day of every month.
In this video, I walk you through every step of my budget and give you the details into what it looks like to use a successful realistic budget is someone's every-day life.
I have been sharing my real budget for over a year on Instagram, but only recently started sharing my budget on KZbin. By sharing my actual budget, I hope to show you the process and steps behind paycheck budgeting. I also hope it helps you understand the psychological decisions behind money management.
➡️CRITTER CASH ENVELOPES: bit.ly/2K4a5tI
➡️MY FILOFAX WALLET (AFFILIATE LINK): bit.ly/2MlmTO4 (Use Code TBM10 at checkout for 10% off)
➡️MY FILOFAX WALLET HOLE PUNCH: amzn.to/2NxsdhQ
➡️HOW TO USE A BUDGET CALENDAR: bit.ly/2Is16S9
➡️SINKING FUND SAVINGS ENVELOPES: bit.ly/2MgLl1z
➡️BLACK FRIDAY ENVELOPE IN RESOURCE LIBRARY: bit.ly/34LN9XQ
ABOUT ME
I'm the blogger behind www.thebudgetmom.com. I have a rambunctious 6-year-old son, live in Washington, and I'm passionate about helping people with money management and personal finance. Let me know what you like to learn more about! Leave me comments and suggestions on my video and let me know!
Want to save more money when you shop? These APPS ARE FREE!
➡️GET IBOTTA: ibotta.com/r/xphdcje
➡️GET EBATES: www.rakuten.com/r/MIKOLU3?eei...
YOU CAN FIND ME AT:
📝 BLOG: www.thebudgetmom.com
📘 FACEBOOK: / thebudgetmom
📸 INSTAGRAM: / thebudgetmom
📌 PINTEREST: / thebudgetmom
GET STARTED
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➡️Free Email Course: bit.ly/2UYgNFf
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➡️GET 10% OFF my popular Budget-by-Paycheck Workbook - Coupon Code TBMKZbin bit.ly/2CR7U9n

[@shonshouse]

Love the new setup! You get your kitchen table back! ❤️

[@sharicemercer3579]

amazing! I have never been so excited about budgeting in my life.

[@tiffanybrevard6854]

Happy Birthday Kumiko! I absolutely love your videos and the TBM system is transforming lives. Thanks for always being so personable and transparent about your journey!

[@BoldBudgeting]

I love this workbook so much! It has been a game changer for me this year. You actually inspired me to record videos weekly updating my workbook with my income & spending and it has helped to keep me accountable. Thank you so much for providing these resources for us! ❤️❤️❤️

[@nancygraves673]

Happy birthday Miko! Great video! I bought the budget workbook and can’t wait to use it in January! I have already started filling in my goals etc. I also bought one for my sister as her Christmas present. Was super excited to see this video tonite!

[@askylitabby5372]

YES happy birthday!!! Costa Rica is an amazing, beautiful country. I hope you love it as much as I did. Sending good vibes as you travel and celebrate!

[@SomethingAboutVintage]

I think your link to the Filofax is wrong, it directs us to your website

[@jenniesgenuinegems]

I've only watched your KZbin videos, but they have always seemed very professional. This one is even more so! Thank you for sharing your GREAT methods for budgeting, very clear and makes a lot of sense! Happy late birthday!! I hope you had a blast.

[@mindsetwithmarie676]

You dont need an expensive blender to learn baking! :) I sure would like a Kitchenaid at some point but there is so many things you can do without it. Get started now! 🙌

[@ashleym5868]

Lol I just watched a video about baking banana bread and the person used a mixer. I was thinking how I may need one. I'll just get me some beaters for now.

[@barbaracarbone4658]

Great vid!! Love to see it all come together😀.. Happy birthday too 🎂.. Enjoy Costa Rica!!!

[@vyball701]

Happy Early Bday Kumiko! Have a wonderful vacation. Congratulations on achieving your House Saving Fund, you are amazing! Thank you for creating these wonderful videos with helpful content to motivated us. Xoxo

[@someOtherTexan]

I think you are awesome. Thanks for your help and inspiration. I'm so glad I found you!

[@ayannafraleymoore5265]

Happy birthday, Miko! Enjoy your trip!

[@fatimamills2249]

Happy early birthday 🎂🎈 Miko . Girl thanks for the great idea my husband and I were talking about it if we have to use as Christmas gifts but I'm gonna use your idea 😊

[@susanmccabe6217]

I am a big fan. Since yesterday when I found you. I bought your printable workbook and i love it.

[@brendalanderos809]

Happy 34th Birthday Miko! I hope you have a blessed new year of life! Have a wonderful trip and I will pray for safe travels for you and your family! May GOD continue to bless, guide, and be with you and yours always. You are an inspiration! 😍🥰😘😇🙏🤟❤💜💙💚💛🧡

[@jennifermiranda464]

Enjoy Costa Rica! Thanks for sharing your budget and life planning.

[@angelarose7076]

happy early birthday kumiko! 💜 have fun in Costa Ricaaaa!

[@thebudgetmom]

Thank you so much!

[@Havanah2006]

Yay ... have been counting down for this 😍

[@dickieangenson2236]

The new setup looks great! I get so tempted to use all-cash but then I remember how I lose things! Lol.

[@roy.actual]

Nice studio. The audio sounds so much better. Happy Birthday.

[@shescraps9788]

I’m in Spokane, too. I do comfort pay with my utilities so it is the same amount all year. It makes the budgeting easier for the year.

[@brittanylong6558]

A Kitchenaid is on my list as well - I've been getting more into baking and love it!

[@kivlogs7812]

I feel like Miko should collab with FiloFax and make her own design or color 😬😊👍

[@brendalanderos809]

I agree!

[@annabelgrace1267]

Well. She has collaborated with Filofax in creating the Budget Mom wallet,

[@tifanymack4587]

Happy birthday! I wasn't able to access the filofax thru the link. IT took me to meal planning

[@nymphialaciepetaldance2399]

I like your video opening alot more than ur previous one..

[@WifeMommyFamilyJourney]

Woohoo!!! Happy Birthday❤️ Enjoy your vacation!!

[@pri.sci.lla.]

This makes me so grateful I won't have any debt from undergraduate school wow

[@mwinegarner98]

I have and love your paycheck workbook. When will you have more of your planners available?

[@sandg5248]

Happy Birthday

[@user-og6sm5vl9v]

Will your budget by workbook be discounted for Black Friday? :)

[@yvonnevalenzuela7830]

The filofax link takes me to a meal planning page.

[@donnabaldwin3417]

Yes, it takes me there too! 😂

[@StargazerBudgets]

Me too! I kept closing the new window, then come back and click the link again because I thought I was clicking the wrong one, just to end up on the meal planning blog again! 🤣🤣 I started to think maybe it was a sign I need to take over the food in our home and meal plan for a healthier lifestyle 🤣🤣 Of course it probably wouldn't hurt, but hubby is the chef and enjoys cooking so it might be tough!

[@Magalamb]

If you search “Saffiano Personal Compact Zip Organizer “ the official Filofax website is the one with the code

[@michelesimko7541]

There is a less expensive mixer out there. Use a hand Mixer your new home may be different colors

[@risa0659]

Happy early birthday Miko! My son's birthday is also the 15th (he's turning 23!)

[@stephaniedaniels1773]

Risa Ellis my daughter’s is the 15th as well! She’ll be 15. Mine is the 22nd... 36 🙄

[@melissastack5983]

Great information, thank you. Do you have a link to purchase the Budget Planner binder with inserts?

[@kayreade3007]

Wow what is It that you do for a living as im very interested great vlog xx

[@jorgegranadossoto]

Pura vida desde Costa Rica

[@lolapop9956]

Hello, great video. Where do you get your calendar?

[@michelesimko7541]

Take a picture of check and put on debt card if bank has that option

[@kaylynnjean8568]

My son turns 1 on the 15th!

[@amosed9210]

Hi Kumiko. I think the wrong link is posted for the Filofax. It takes me to a meal planning page on your website

[@angelaplans]

You can do defensive driving and save on car insurance I think I save 62 by doing that

[@kaffeine69]

What is considered something you’d spend your ‘fun’ money on...mine is always food related? Is dinner out ‘entertainment’ or food budget?

[@fitinnovations4480]

the filofax link is the meal planner, can you send us the correct link?

[@meganckerns9897]

Do you have any videos or recommendations on how to stop spending for variable expenses on credit cards? I currently put my groceries and gas on my car. I want to start the cash method on these, so I can stop overspending on my credit card. But part of my budget every month has to go to last months groceries. And I obviously can’t not buy groceries or gas for a month so I can catch up. Any suggestions?

[@truneilson]

You can get a second hand kitchenaid and save a ton!

[@pri.sci.lla.]

Did the kitty cash envelope replace the puppy envelope?

[@rhondamason5850]

I have a ?. I thought the cushion was to help for things like bills going over. If you are tracking that as income and using the whole amount, then your account is at zero again. (Using the $1400) So, it's confusing to me to count that as income to use each month. Hope that makes sense....can you explain?

[@tiara7270]

The link for your Budget by Paycheck isn't working. I also tried using the coupon code and it didn't work.

[@geninatuason3184]

The filofax link goes directly to your meal planning blog. Was this a mistake?

[@lilbell98]

Where do you store your sinking funds?

[@kye6381]

Can somebody please tell me how to get my comcast bill decreased?

[@trudiannejones7718]

trying to find the filofax wallet but the link is taking me to meal planning

[@markeason243]

how do I purchase your BBP workbook ?please please

[@debramurphy4295]

Happy birthyday were is dec 2019

[@jenniferstiko7510]

We're only 10 days apart in age :) I turn 34 on the 24th :)

[@paulacroly8865]

The link for the filofax is wrong

[@brendalanderos809]

When I click on the link for the Filofax wallet it brings up your meal planning site. Would you please send me the link. I am very interested and would also like to take advantage of your 10% discount. Thank you so much Miko and have a blessed new year!

[@angelarose7076]

i really want to buy some things from your website [the cashless envelope tracker &a some envelopes] but I don't have a printer 😩

[@deana6633]

Can you go to your local library and print documents there?

[@Wholeplantfoods_Lucie]

Forward all documents via email to [e-mail] (@ FedEx Office) and print them in color for just a few bucks!

[@angelarose7076]

Those are good ideas thank you I’ll look into it!:)

[@alyssagachassin2494]

you dont have to have a kitchenaid to "be a good baker" if thats the only reason not to start learning how to bake - what are you doing?! haha but seriously you really dont need any fancy tools, just start!!

[@beatrizc2263]

How can you decrease a Comcast bill?

[@nicoledodge.1013]

Beatriz C by reducing your internet speed. I reduced my bill by $30 a few months ago because the promo I signed up with provided a speed way higher than I needed.

[@amyl894]

I have a question about my budget categories. Let’s say I go to Walmart and by food but also buy shampoo, soap, dog food and maybe some clothing all in that one Walmart trip. How do I separate that to show where my money went? I’m working on the BBP workbook and am tracking my spending but don’t know how to separate these “all in one” shopping trips. Any advice would help.

[@aniela4434]

Amy L I’m not sure if you got your question answered. I ran into this same challenge. Normally I pay for them in two separate transactions: one for food, one for household. Sometimes I’m in a rush and I don’t. In this case I calculate each category using my receipt and log the totals for each category I used separately on my expense tracker. I draw a curved line that connects both amounts to show it was paid for using one transaction. I hope this helps! 😁

[@Magalamb]

If you’re looking for the Filofax link search “Saffiano Personal Compact Zip Organizer”, it’s the the official Filofax website that has the discount

[@LuckyCharms-lj2wl]

This seems like a lot of work, why use cash only?

[@anitaluevano9643]

How are u doing today

[@erkanisk3751]

Biri şunu türkçe alt yazı yazsın

[@ms.budgetmom8472]

What happened to the $500 from your boyfriend. His 1/2 ?

[@meancarleen]

SERIOUSLY? HOW is that relevant? 🤦🏿‍♀️

[@dickieangenson2236]

Mean Carleen I don’t think you get it. it used to be part of her budget. Calm down.

[@meancarleen]

@@dickieangenson2236 I am calm and I ABSOLUTELY get it and I ABSOLUTELY know that. I feel it's too personal of a question ESPECIALLY seeing how Miko shares her real numbers. It's not our business to question HER income or numbers she has to work with. ✌🏾