REAL LIFE BUDGET | Budget Tips + Budget By Paycheck

[@angarettestuckey2839]

This video has completely changed my vision! I have my EF established, I’m now going to put my three sinking funds (back to school, Christmas, vacation) on hold and put all extra monies towards debt. By doing this, I will be credit card debt free by September and still will have a couple months to prepare for Christmas!

[@michellemorales401]

This is EXACTLY how we budget. My Hubby is paid ever week and I am paid every 2 weeks. We save money in our bills account every week for our bills the 1st week of the following month. This has been a COMPLETE game changer for us! We always have enough money for our needs and wants and extra towards either debt payments or savings goals.

[@bluebird5271]

This video has really helped me, just realized I don’t have money for sinking funds just yet, and need to tackle student loan first (or do as you said 95% debt and 5% sinking fund - choose one only til the goal is met and the debt is paid)

[@nataliasalcedo7453]

Seeing the real life budgets is so helpful, thank you for doing them😍

[@saraangel6696]

I wish we could see how they are doing financially now, it would be really cool

[@kristenhuculak6559]

I love the real life budgets! They motivate me and give me ideas for my own budget 💃

[@sandrak596]

Thanks this was so helpful! I just received my budget by paycheck workbook 8 1/2x 11 this week. I’ve been budgeting since January and this will help me. The instructions in it are amazing!🥰

[@hustleNBudgetmum]

These are my favorite. And very helpful too . Please keep making them

[@Budgetforsuccess]

Even at 25 for me insurance was not a lot cheaper but I also started driving at 21 so that plays a role as well. I’m now almost 29 and I still can’t get regular insurance because they want too much money. I check regularly to see if I can pay less through Allstate or Statefarm or some other big brand but not yet.

[@MarcelleAllen]

I love how you break it down, so good Miko!

[@fordfamilyfunds]

Maybe a $500 efund to start and then $500 to gifts/xmas. Then in the fall they start focusing on debt payoff. I hope they follow your advice! Maybe lower spending too. My fam of 5 grocery/household budget is $500 with diapers.

[@tashuwamustgray7220]

I thoroughly enjoyed this. I'd like to see more vids like this.

[@bellaboopixi]

With my budget, I decided I was spending way too much time checking my account to make sure there was enough in there for the bills that came out. So I decided every paycheck, to put 1/4 of my total bills cost away. Does 500 worth of bills come out of my account every week? No. But if I do that, I don't ever have to worry about what combo happens to come out that week. I've also mathed several months in advance, and it looks like doing it this way puts me ahead 1 month in 6 months. I hope that makes sense...it made me worry lesd

[@bellaboopixi]

To clarify, I have a separate account that all of my bills come out of on auto pay. I deposit 500 into that account every time I get paid and it takes care of itself. Whatever I have left I budget into my variable weekly expenses, and the extra goes into sinking funds

[@fisherfamily1052]

This is what we do as well.

[@bellaboopixi]

@@fisherfamily1052 I'm glad it makes sense. It became stressful for me before because we get paid on Fridays, but that's always a different date so I was struggling with worrying about there being enough for any possible combo at that time 😁

[@SimplyBalancingtheChaos]

Yay! An Okie! Thanks for sharing.

[@ciannacoleman5125]

I know there are a bunch of alternative cell services but we switched to one called PureTalk 6mos ago. $20 a month for unlimited calls and 4gb of data, and goes up $5 each plan from there. They also use AT&T's cell towers if that matters to anyone. I have been very happy with the switch and have had no problems with service. I'm sure other providers do this but they also allow for different plans on different phones which can help save if one person needs a lot of data but another doesn't.

[@meganginger3791]

Please more canadian real life! I find the grocery budgets very far from what spending is like in my area ( Canada) Always awesome content! xo

[@Kmcdnrn94]

Totally agree. Our prices are insane compared to in the USA. It’s crazy. I do find her videos so helpful though.

[@reneamerchant6081]

Woohoo! Go Oklahoma!!. Love this state!

[@Holli_Sassafras]

Straight Talk is a great cell service. All the bells and whistles for a fraction of the cost. I live in a very rural town in central texas and have great service. Very affordable.

[@HomewithCheryl]

I love these types of videos! Very Helpful!

[@yadiraleon9035]

I needed a refresher and this was perfect! Thank you!

[@nicoleaustin5452]

How do we apply to be chosen for a Real Life Budget Assessment? I’m a single mum living in Australia and would love some help.

[@_kat_koch_]

In the video description it states the email you contact her with with your budget information 🙂

[@nicoleaustin5452]

@@_kat_koch_ Thank you

[@jadiecakes3241]

There is a mentor section in the fb page as well :) ive made 2 friends from it (all 3 of us are in aus) and its great support.

[@sandyseibelhager7131]

Rather than the snowball or avalanche method, I looked at how much interest I was paying each month. So it was sort of a combination method. For instance, if you have a higher interest rate with a small amount of debt vs a lower interest rate on a larger amount of debt you might be able to save more by paying off the most interest per month loan first.

[@andreeaameliaganu5876]

Make totally sense!

[@brooklinkilgannon6757]

Love these real life budget videos!

[@tpv1520]

This is so motivating to continue to use the budget by paycheck method!

[@MRJLS15]

Omg thanks so so much let me get my notebook cause honey I'm ready to be better

[@princettepotter3437]

One of them needs to get a side hustle or work OT if they are able to. Save that $1000 ER Fund in one month and quickly pay off the small debts quickly as well. I would challenge myself to pay off the three debts $1000 and under each month. So May-Save $1000 ER Fund. June-Pay off Capital One CC. July-Pay off Kohl’s. August-Pay off Mathis Brothers. If I have that goal to pay each debt off in one month, then I know how much OT I need to work or how much extra I need to make each month. That frees up a nice amount of money, then I would start the budget that the Budget Mom recommends. Idk if that makes sense.

[@lindalong2297]

Thank you, i am now putting the extra toward my emergency fund first-makes sense, don’t want to get derailed.

[@findingaway5512]

Wow! Real numbers!!!! This is great!!!!!

[@sflake02]

Freaking Amazing 😉! I have watched so many videos, and you do so such a great job (realistically) while staying positive 😃!! Subscribed!❤️

[@rollingthunder4599]

Living in Oklahoma and earning $48,000 is a lot more than living in California and earning $48,000

[@thicccemogf3488]

Could you do some independent contractor budgets along with waitressing? I bartend/serve, drive for DoorDash and have an OF so my income is wildly unpredictable and different week to week. It makes it really hard to budget for me.

[@bluebird5271]

This is exactly what I needed!!

[@shannonkurtz4057]

I’m with AT&T family with 5 phones on my plan. We pay $600/month. It’s nauseating every time I lay that bill. We live in the country and internet WiFi is hard to get so my current WiFi is $220/month. We pay so much for fixed expenses but we are debt free. No car payments, no house payment etc

[@nosirrahm]

Daycare would be $564 avg a month if you’re dealing with it annually since that $520 only counts for months with 4 Fridays. Worse case is 650.

[@randoff32]

I used to live paycheck to paycheck, but now... ...after years of hard work and commitment, I'm living direct deposit to direct deposit.

[@ghofrane799]

I love love love these videos!

[@cgbehles4]

Miko, can you highlight the date on your Paycheck Bill Tracker with the same color as the highlight on the calendar? That would help to follow along.

[@_kidiko_5901]

Great idea

[@plantobebooked-Alicia_Allen]

I think she does. She highlights the paycheck and all bills paid with that check the same color

[@cgbehles4]

@@plantobebooked-Alicia_Allen on the calendar yes, but I'm talking about the Paycheck Bill Tracker

[@megananderson4808]

Do you only work with what’s provided by the family or do you make suggestions? It seems odd that they have no personal spending money or clothing savings.

[@maureenpluthero8543]

I think you need to question the $100 household and $100 misc every month. What is this money being used for? I feel it might be better to put this towards debt.

[@arthrodea]

I assume household stuff means laundry detergent, toilet paper, light bulbs, etc. I think a miscellaneous category is really helpful - its for having to buy a new hair dryer or microwave or phone charger when yours breaks, or your kid needs antibiotics and your copay is $20, or you need to get an oil change , you need to ship a package that costs $18, - all the random expenses that you don't anticipate

[@daniellebrignola1264]

Love these videos!!!

[@thebeautyinbudgeting4374]

So exited for this!!

[@mjae4774]

What do you recommend if someone is behind on a couple bills?

[@nimnim309]

So i have hard time writing these things down. It works for a week then not for a whole month. What is the best way to be consistent with this?

[@AlwaysHomemade]

This video is so helpful. Thanks Miko.😁

[@sandraholmes4262]

Wow,was. I confused about about The what and how was most important on the funds envelopes I was concentrating on the food,misa, instead of the emergency fund

[@Channie203]

I needed this today, getting me focused and intentionally spending 💕 thank you!!!

[@Exiled_Rouge]

Nails looked great.

[@budgetsaverepeat]

Do you have an application process to be able to send you our numbers and you get us set up for this savings process?

[@thebudgetmom]

I have this located in the description of the video

[@mariahperez6047]

Do you consider your emergency fund to also be your checking account cushion, or would these items be separate?

[@LetterAfterC]

Hello fellow okie!

[@philipw4849]

What if your utilities (water, gas electric,) are constantly on different dates every month? Second, should have a zero-based budget or have some checking account cushion and how much should it be?

[@Maylis98]

If it's a different day each month plan for the earliest it can be. You can include your cushion in a zero based budget, I have 500 but you can do more. Any car bill or water damage is quickly expensive

[@triolove2002]

I am confused, daycare was a weekly expense but on the expense trackers was only listed bi-weekly....

[@arthrodea]

I looked at each of the 4 expense trackers (one for each paycheck) - all four have Daycare listed with $130 coming out of each of the 4 paychecks.

[@juliannaokike3359]

Hexagon window treatments.

[@commonsensepatriot9450]

Do you have a video that is directed at a 21 year old mother of 3 who is single. Looking for someone who can relate to our daughter better so that it's not so much "Dad telling her to stop blowing her money"! Cuz, that never works. Lol thanks.

[@Behindtheyellowdoor6]

Love you Kumiko ❤

[@thebudgetmom]

😍😍😍😍😍

[@Lovinme21]

How can I participate in the real life budget

[@planningallthing2970]

Would you do my budget Would love to get hear your suggestions?

[@melissacastillon6601]

Help me set up a budget plan

[@sindhun8028]

No grocery ??

[@taylorbrunt6898]

💗💗

[@judejeanpierre7486]

❤❤❤❤❤🎉🎉🎉🎉

[@AjBayBay227]

Really thought they meant $130 for one day of daycare per week 🤣

[@Birdmom1823]

💜💙💜💙💜

[@fsuandrea]

$400 for a kids birthday present??!!

[@marylandmonroe]

I'm guessing it was for a party, too. Gifts, cake, food, beverages, plates, cups, napkins, etc.

[@Amanda-hq9of]

important to not get hung up on someone else’s numbers.

[@juliannaokike3359]

Over the subliminal messages.

[@sandraholmes4262]

l had a Sptrum come saying she Can give me a lower phone plan with a free internet but she needs my Social Security Number, is that a good idea