September 2019 Paycheck Budget Overview

[@luciamoloon9137]

OMG I CANNOT WAIT UNTIL I GET MY TBM PAYCHECK BINDER!!!! I pre-ordered the bundle!!!! I have been following your plan for two months with much success! I even have $ saved over in my cash envelopes for the following month! (BTW that has NEVER happened!) Thank you so very much! Keep up the great work and encouraging videos!!! Safe travels!

[@CentsibleLivingWithMoneyMom]

I have a checking account cushion too. Budget Girl sent me to you. I saw your interview. You are such a lovely person.

[@HowDebbieSaves]

Great video! I am a paycheck budgeted too. I love how you mentioned trying to lower your expenses. That’s my favorite topic to cover on my channel. A good category to start with is your food budget. 👍

[@kittyp979]

Best budgeting system..EVER!!! You’ve helped me so much and Inspire me so much to keep up with my budget. 💗

[@girlieflores5428]

Hi!I'm from Philippines and the biggest fan of yours!!! Im a single mom too of a 7 year old boy.. I am on the process of perfecting my budget.. I am so excited about the new workbook . Thanks for the inspiration!!!!

[@happycamper8892]

You have changed my life! thanks so much! I am finally one month ahead of my bills! and that is HUGE!

[@mj482]

Happy Camper Do you mind sharing how you were able to do it thank in advance. #GOALS

[@rznorbowie]

I pre-ordered your planner and I'm so excited to get it soon!

[@Floridiansince94]

You’re awesome!!! I just purchased the bbp printables, I started to work hour system this month and I know in my bones it is already WORKING ! I thank you so much for putting this together ! God bless you and your beautiful son!

[@VisionOver50withSharon]

Niki Palomino I’m thinking about purchasing the printable also

[@lavidaesbella27]

please don´t speed up the stuffing part... that is the best part.

[@1sttimemom76]

I was gonna say the same thing.

[@flaeiya]

Yaaaas

[@chindalonekhanthavixay9712]

Thank you so much for explaining the cash envelope system so thoroughly in a way that is easy to understand! I can’t wait to get started! Thanks for the motivation!

[@lisaclark8401]

Comcast offers discounted internet service to local school children and college students in Florida. Its called Internet Essentials. $9.95 per month.

[@karlsie]

Off-topic question: Have you made any videos about your fitness? You look so healthy, and good health saves money. How do you do it?

[@TheMrswardy88]

His and Her money brought me here. I like your method ALOT and I believe I can make it work for my family. Thanks for the info!

[@catwispr536]

I love how precise you are. I have this part done and I really hope that when you close out September you will do the same thing. The tracking and closing out is the part that is still hanging me up a bit. I have the concept I'm just not always sure how I should count certain items such as money from my savings and whether or not they are added on to the checking account page or the cash page? Is the cash tracking page only for my cash envelopes and how do I add that in when I reconcile? Thank you Miko...I am so happy you and Ryan are getting away before the big RELEASE of your new BBP Workbooks mid Oct. I would also enjoy hearing some about Chris... he is a name on your Income but we hear very little about him. Thanks so much for all you do. You are a lifesaver.

[@dessibel8649]

If you have a child going to school and receiving free lunch, you can get Comcast internet for $10. I used to pay $55 for internet. And for insurance I switched to liability since my car is getting super old now and that cut that bill in half.

[@MinglewithMiMi]

Hey is the 10.00 internet fast though. Netflix, shopping, school work and etc

[@dessibel8649]

MiMi Gravley yes I go to school full time and my daughter watches Netflix and my boyfriend is always playing video games. It’s never slow at all.

[@dessibel8649]

Our cell service is slower lol, we have the highest cricket plan. But it’s all still good, no complaints at all.

[@robbiethornton-peek3928]

I love your videos so much that I wish you were still getting paid twice a month 😁

[@katfancy33]

I love your videos, definitely preordering my budget booklet! ❤️

[@sarahcastaneda2795]

I really like the cash envelope method (and the combination you use). But I use a military members only bank and there are no branches in my area. The bank is primarily online. I can withdraw from any ATM, but my problem is I can only take out in increments of 20, or if I'm lucky and find an ATM that gives out other bills.

[@jessicabrown800]

Get your money from the atm and then go to a grocery store and ask for the smaller bills

[@daveh4864]

#TheBudgetMom this video is fantastic. Thank you for being thorough with the breakdown of what you do and how to balance life on paper. Strong Work! Liked 💕

[@feliciafelicia6965]

I loved the printable envelopes from the froday freebie! They were unexpected and came just in time. Are the reusable envelopes hole punched? Out of all the pretty envelopes I see on the internet, none of them come with the 6 hole punch for my filofax

[@ginaspence4508]

Great question I want to know that as well

[@GabriellaAcabella]

Miko can you please do a video example of how it might look in this planner spread for two paychecks a month. Do you mean using two different highlighters colors throughout?

[@audriearredondo264]

I love your videos...ive learned so much...and now with your help i have a plan for my money...-thank you miko

[@GabriellaAcabella]

: ) excited to get my own planner. you have been so inspiring !! woot woot

[@cristinarey8597]

I need that budget diary Or a smiler to that one .I live in uk ,

[@SawyerMac]

I am addicted to watching your videos:) But I am confused about how one would function without a credit card for logistical reasons. I just returned from a trip and the plane trip and rental car that were used were booked - and as far as I could see could only BE booked - using a credit card. How would have a cash spender have done that?

[@Beezer.D.B.]

I'm curious about this too. I'm guessing that she's covered this before, but as I'm new to her channel, I've no clue. Most of my bills are auto-paid, and to lower my burgeoning credit card debt, I've switched as many of them over to being auto-debited from my checking account...but very few of them can be done this way. Most require a credit card. I'm still excited about the concept here, but not sure how I can utilize it myself. So, how do I pay my bills in cash? By mail? Cash through the mail is risky, to say the least. So many questions, so little cash, lol!

[@sarasmires]

You can use your debit card to do all that, so it doesn't have to go on a credit card. It's a little harder to use a debit card for car rental but you just have to call and find out what they need from you before you go.

[@ginaspence4508]

Although I have an asked her that question myself I would think you could use your debit card with a Visa logo that’s what I do

[@courtneygoddard3960]

If you have a debit Visa most places take that. Or if you need to use a credit card you can go ahead and use it BUT have that money put aside and pay the bill right when you get it. That way you’re not relying on debt, you still had the cash to pay that bill.

[@gp8089]

Here from Budget Girl!

[@theoneallife8522]

Do you also sell the sinking funds envelopes? They are so cute!!

[@DeniseKink.]

I’m a new subscriber. Saw your video with Budget Girl. I love your videos and will be buying your workbook. I am like you, have a hard time spending cash especially large bills. When it comes to my debit card, I spend and then regret it later. I’m also wondering how or if you purchase items online?

[@Birdmom1823]

Really enjoy your videos 💕

[@stephanieb8646]

How do you budget for your vacations?

[@maryrushing3892]

Do you have an emergency fund? If so how much do you keep in your emergency fund?

[@Leofire_]

If you follow Dave Ramsey at all. He says $1000 to start. If you make under $20,000 then it's $500 to start.

[@gentry8907]

$1,000 in your emergency fund while you’re in debt ($500 if you make less than $20k a year). Once you’re debt free then 3-6 months worth of living expenses should be in your emergency fund. ☺️

[@saritawilson7529]

I love this video. I have a question about the envelopes. What if you don't have cash? My paycheck is direct deposited and, unless I get cash back via a purchase, I don't have any. Is there a fail safe way to save without the envelopes?

[@christinacalhoun2695]

I'm interested in that exact binder/planner style.. as I follow along with your ideas and breakdowns. Where can I find it?

[@keyonajordan1651]

If no one answered your question yet everything she uses is linked in the description box

[@4theloveofsunsets20]

Hey Kimoko! I just found your channel like three days ago because my family and I NEED to really stick to a budget. It resonated so much with me when you said it was when you realized that budgeting was a challenge because most systems were not setup according to paycheck times. So yes! Thank you. I have watched a lot of your content and feel very motivated and empowered that I can do this! Also, questions: when setting up sinking funds, will some of those not be able to be met? Like what if there isn't money in the budget to put towards the sinking funds? Another, my spouse gets paid weekly, so would I then do another budget for that paycheck separately? TIA :)

[@dianereid8497]

hi miko, where can I find your videos from 2018 when you were still in debt?

[@teresadavis5985]

Where can I find the budget book in the video? Love it!!!!!

[@jocelyncabrera2002]

Idk if anyone has asked this but does the workbook start Jan of this year? I preordered it but I’ve only seen it starting Jan and seeing as how it’s coming out October I’m a little hesitant if I’m only really going to use it for a few months this year

[@carmencastillo3692]

Jocelyn Cabrera, I believe it's undated.

[@jocelyncabrera2002]

Carmen Castillo oh I hadn’t thought of that! Ok every time I’ve seen it I’ve seen it Jan through dec. thanks for your help (:

[@sweetteawhimsy3998]

I learn soooooo much from you!!!!!! 💖🌸💖

[@fletcher2411]

I'm new to the cash envelope system. What do you do with all the change when you start to spend the cash? Do you still count it? I can't see all the change staying nicely in the envelopes. HELP lol

[@raquellorentemolner170]

BlameTheTV 24 same question!! 😬 and you always rollover the leftover to next month envelopes?? Or maybe you put in savings? How do the budget??

[@trishesparza9259]

Great video Which statements do you use to close September? After you make a payment or the balance on the statement

[@melissacamara4571]

I pre-ordered the BBPC workbook last month..... When will it be arriving?? I'm dying to use it!

[@bobbistaerkel7195]

What do you do with the change you get back at say the grocery store? Does it go back into your envelope?

[@jacqui5190]

Do you have suggestions on how to start sinking funds when you don’t have the funds or time to save for them but you have to pay them in that month. I seem to set the budget at the start of the month but by mid month it’s blown out of proportion by unexpected things for example I had a medical procedure, then I had to get glasses, car servicing, baby items we have a new baby. Just feels hard to catch up. Should I just start small and eventually will get there ?

[@jennifergirard1162]

Do you put the savings into a high-yield savings account or CD?

[@RaketeraVlogs05]

I love your video always watching from Philippines 😊🇵🇭

[@Cindez89]

Love your videos!!

[@MlleGadget]

Where can I get your old envelopes with the cute animals?

[@TheKrystolMethod]

Love it!

[@nikkicarandang7477]

What budget method would you recommend for someone who gets paid weekly?

[@kivlogs7812]

I’m not sure if you do, but do you have a teller slip printable?

[@happycamper8892]

She sure does, it is on her workbook

[@kivlogs7812]

Happy Camper What if we don’t have her workbook?

[@stephaniejane306]

They are in her workbook but i dont think she sells them separately. Im sure there are templates online or just create one using a table in a word document.

[@kivlogs7812]

Stephanie Jane Thank you so much!!

[@sabrinapack2135]

Meko you are my favorite budget mommy I started last month because of you...I feel so free...thanks girly (I have a question) I get paid once a week, 2 times a week and once a month so do I stuff my envelopes 7 times a month???

[@lisaknowles956]

Hi! I'm new to this and would love to make this work for my family and I but where do I start? What is the first step? I can't seem to figure it out lol

[@sabrinaconnor]

Do you do this same style of budget for your business as well? I'm also self employed and looking for tips for my business budget

[@jayjayw408]

How do you deal with coin change you get back?

[@MsMtshasta]

Which book are you using in this video?

[@patriciapification]

💚

[@c_elss]

I feel like I learn something different or understand more in each video. If you feel like videos are repetitive, absolutely not. I just signed up for the free email course(on day 2). And budgeting for the workbook! *if anyone follows her on ig check her bio, she offers free stuff to help you get more organized if you’re hesitant about purchasing the planner or workbook* Just found them 3 days ago and thought I’d share!!

[@barbaracarbone4658]

Hi.. I use this method too. It's great. Where do u put your filled envelopes?

[@deidrestaley3550]

I'm curious on this also

[@NaturallyLizzie]

Loving this soo much!!!

[@StephAnie-yk4qb]

Anyone can answer: how do you pay for a transaction over different categories at one time? TIA

[@michelle-howdoyou]

Stephanie Fortin I’ve always wondered if you break down a Target or Walmart receipt item by item???😬

[@stephaniejane306]

I would just total the different categories from the receipts. Add up all the items under each category and log it as that. For example if you have a total for target for $75 but there items for groceries, household, beauty and miscellanous. Total for each category For example groceries $30, household $20, beauty $15, miscellanous $10. Does that sense?

[@jocelyncabrera2002]

The easiest for me is to pay for things separately. 🤷🏻‍♀️ sometimes it annoying but I thank myself when I’m not trying add stuff up later. I enjoy doing numbers but I’m also terrible at adding and subtracting things lol

[@kirsten4443]

How do I rollover money in categories when I'm not using cash ? 🤔

[@lavidaesbella27]

Maybe you can write the amount so you know how much you have.

[@stephaniejane306]

Write it down or maybe if you are tech savvy create a spread sheet? You are effectively creating "active", as i like to call them, sinking funds. JenPlans has two videos on sinking funds and shows an example of a analogue table layout you can use to track them.

[@ashtenl3999]

What planner does she have? Someone said workbook but idk where to find it

[@sarahtaylor2833]

It’s her budget by paycheck workbook. You can find it on her website/blog and either buy a printable or hard copy.

[@Sarah78Jean]

I want this!!! But its sold out!! 💔💔💔

[@brooketanner6928]

Do you leave the checking account cushion in there every month? So if you don’t use it the first month you have $280, then the next month you don’t use it you now have $560?

[@stephaniejane306]

Yeah, i think she answered a similar question over on her instagram. She just lets it grow.

[@nicoleryan5914]

How do you use this system with 2 incomes\ paycheques? I find it hard to track my own spending but then trying to think about getting my husband on board to track and budget his is overwhelming!

[@WendyCranford]

Do you save for your house in a special savings account?

[@melaniebrown06]

Omg.. I ran across your channel this morning.. thank you so much. New subscriber 🤗🤗🤗🤗

[@ahjahnayroberts4307]

omg I love you .....Do you do personal sessions ?

[@cathykerkhover1984]

Do you move any leftover cash from envelopes towards next month? Or what do you do with any leftover