September 2019 Paycheck Budget Recap

[@Miyahideko]

Thank you for the financial transparency. I have so much shame around my finances and it helps dispel this idea that everyone else is just effortlessly coasting through life without even trying to steer their money. Im actually scared to confront this and i put it off for years since i was just measuring my success by waking up alive the next morning. But i guess truly valuing my finances is also valuing my life.

[@CarlySharec86]

miya 💕💕💕

[@LisaRussell1019]

I was where you are. Once you confront it, the shame lessens. Shame thrives in the dark. I put a spotlight on my finances and now I have a solid plan for my money and confidence that I will be debt free before end of 2020

[@IglooGirl1]

i totally understand, i felt sick when i confronted my debt recently & tracked down every cent i spent over 3 months, i was like wtf have i been doing...knowing full well i was even worse in the years before that. But once i did it actually took some weight off my shoulders..& over the last couple of months, i've actually changed my mindset & made it fun to sit down & paycheck plan a couple months ahead as i dont have those 'oh shit i forgot about _____ payment'. i'm excited for next year in being prepared for birthdays & christmas. i'm getting so good at deleting & unsubbing from retailers emails trying to sell me on their next sale. i dont need it. :)anyway, hang in there, you can do it & we're all there with ya :D big hugs

[@PynkPhanatic]

I received my workbook today!!! So excited!!! I’m at work and received a notification from my apartment complex saying my package was delivered. I’m like “what package?” I called the office and they said it was from The Budget Mom!!! Can’t wait to get my hands on it! ❤️❤️❤️

[@barbaracarbone4658]

Wow.. That is such an extensive breakdown. Covering every cent and every inch of progress. It's incredible. I wasn't going to purchase your planner bc I thought it was to expensive. But now I've totally changed my mind. I'm also a paper n pen person..lol. Miko, thank you very much. So much of your time and effort has gone into this and it definitely shows. I'm retiring in 8 months. I've got some debt, but I'm doing good. Next yr I'll have my pension and social security as my income. I just bought a house, too. So I've been thinking a lot about your way of budgeting and how I want to continue and perfect my own budget. Next July I'll be receiving a monthly income. No more bi-weekly. Lol. So I want to ensure, more than ever, that every cent of my income is accounted for. Traveling a bit is definitely going to be added as a savings expense. Haaa. You blew my mind with this. Especially the net worth information!! Take care. You're so awesome😍😎

[@ambergastineau1652]

Perfect thing to watch drinking my coffee (made at home)!!!

[@cm12408]

I was wondering if you could include the yearly overview sheets in the bbp workbook next year!

[@RickMartinYouTube]

good ideas - not enough people do what you're doing and living beneath their means/budgeting.

[@jessicawilliams8215]

You are a total rockstar! We have been following Dave Ramsey for the last 15 months and have had great success paying down debt 21k so far 22k togo! But i have been really struggling to find budget that works/ and how to really allocate our money each week! I love your budget by paycheck method! A serious lightbulb went off! Your videos are just what I needed visually to see it all in action! I think you just saved our financial future! 😘

[@eloyceforrest1026]

Simply flawless. This pattern of budgeting is what I have been looking for. As you spoke it brought about a flood of ideas of my next move around my finances. Thank you for sharing and being very transparent about your personal finances and budgets. Congrats on your way to home ownership and doing it the debt free way. I'm excited!!❤

[@leashxoxx]

I really enjoyed this video! I love all the information and how motivated I am now!

[@landofthorns]

Just got my planner from you today! I can't wait to begin making progress to pay off my credit card debt using your advice. I have so far paid off about half, but I think I will be able to completely knock it out in no time after discovering your channel! It's been a struggle since I am a student and my income is quite inconsistent, but this is definitely giving me the push I need to get organized to understand where my money is going.

[@melissacamara4571]

Holy Moly! That was alot of information.... I am feeling so overwhelmed right now.

[@TheFinancialFreedomDiary]

I will have to add a net-worth tracker to my budgeting. I love the where did my money go pages. Feeling the trade off is so important. I like how you phrase that. There is always a trade off. For me to celebrate a victory might mean I stay in debt a month longer. It took me a while to figure that out. I need to simply say I'm loving everything about this video.❤♥💕

[@mylifeinmoderation7182]

Thank you for showing the monthly chart. I just started looking back at my spending trends but I didn't think to look at the categories too.

[@feliciarego9367]

I should say i have purchased the budget by paycheck workbook!

[@Chrissy213]

This is so awesome! I can’t wait to receive my new workbook.

[@yojs17_]

Hi Miko!, I love what you are doing and your transparency. I just had a question regarding the “where did my money go” worksheet. Wouldn’t it be more accurate to estimate percentages based on your actual income and not you income plus your starting checking account balance, it kind of skews the numbers, especially since your starting checking account balance, aka as your buffer is almost the same at the end of the month.

[@taryngeissler8797]

Would love to have a digital workbook that has the hyperlinked tabs, kina like how a digital planner works.

[@ralucasandu5442]

you spend little money on food, could you make a video about saving money on food bill/how do you do it.

[@ruthgreen5718]

Personally love your videos. Personally way to kany steps. But, if it works yes. I tweak mine for me. Like you said. I will definitely continue to follow you. Oh, were do you get the like goal papers at? I am missing them.

[@markhines192]

Loved the explanation.. I was wondering how you deal with travel expenses like hotel, rental car, plane tickets, etc if you dont use a debit or credit card. Thanks for the great teaching. Keep up the good work.

[@climatechange1246]

I think she would make a cash envelope for that too. Or if its ones a year it woukd be a sinking one.

[@pennybrown7292]

I DIY my nails with dipping powder after watching your video on it. I love that color your wearing in this video. May I ask what the name of the color and brand name it is?

[@nikkicoleman6709]

I'm confused about your checking account buffer... Do you subtract that amount in your checkbook register and like pretend it's not there? Or you actually show the balance of your checking account to reflect what is literally in there? Does that make sense?

[@stephaniejane306]

You count the checking account buffer. You can see at the top of her trackers there is spot to put your starting balance. You are using your starting balance to either grow, to use online shopping, or to use for a bill that is more expensive. It is a flexible and fluid amount. I look at it as a paper record of my transaction/checking account.

[@rozyy15]

Hi there!🙂I still have a hard time understanding your monthly budget for saving in the budget category worksheet. You have a budget of 1500 but you tend to only have a few items on the expense trackers for savings. Do you include sinking funds in that number? Or are there other payments that you don’t track on the trackers that are included in the savings budget? 🤔 This is my first full month of tracking so I want to make sure I understand before I get to the end of the month. :) Thank you! Budgeting has been really eye opening and fun!😊

[@AdrienneHartLifestyleJunkie]

Hi! I just found you and LOVE your videos! I have a question. My daughter just started cheerleading this fall, but her coach will randomly send home a list with dollar amounts ranging anywhere from $30-300 and expecting the items or a check for them the next day. Would you make a sinking fund for this? B/c it keeps throwing off my system. Thanks!! ❤️

[@Truth1561]

Could you say what size Filofax you use please ? The link just goes to menu planning and search doesn’t bring it up either . Thank you .

[@Truth1561]

It’s ok I’ve found it now .

[@casandrakunkle3525]

I have a question. How/why do you decide to continue to make large savings contributions instead of paying off each sinking fund? For example, once I pay off all of my debt and I have a solid savings cushion should I continue to make small contributions towards my sinking funds or make larger contributions to avoid an "extra expense"?

[@feliciarego9367]

We own a small buisness and i am struggling with starting my journey for budgeting. we have been tracking every dollar we spend for over 5 years but are still stuck on the week to week living. I NEEEEED A Budget! with income forever changing its so hard. Some weeks we have orders being picked up and paid every day and other weeks I dont have any pay at all. What do you reccomend for breaking up the income. I do track what we bring in and what goes out but i want to start our debt free journey ASAP and that is the only thing holding me back. Exampe this week we had a show and made 1,200 but we dont have another show for 2 weeks so i will be getting paid from a few misc orders maybe $150 or so. what we have been doing is saying okay that will be for the next 3 weeks and divide that by 3 but clearly something isnt working cause we are in debt and im sick and tired of it! HELP!

[@nicolettecarpenter9863]

Yesss

[@kimberleysingleton4449]

I Love your videos, but can this work for someone who is starting all over and not making much money per month working a temporary job. Please be honest.

[@CarlySharec86]

Kimberley Singleton Miko started out with very little. You can watch a lot of her older videos on her Instagram.

[@1kami2393]

I have a hard time budgeting since I am a manicurist that does her own schedule. I really only budget with my husband's paycheck every 2 weeks. Are there any tips you have for someone like me?

[@remylee852]

Do you have a like a beginners budgeting video?

[@HelenKerins]

Yassssss I love these vids!!! One of the first woohoo!!!

[@sandyseibelhager7131]

I love your planner. Any plans for any different cover designs in the future?

[@zulayvega1816]

Her budget workbook changes every October. She tweaks the themes. She does the same thing with her life planner [liverichplanner] in the month of June I believe.

[@sandyseibelhager7131]

@@zulayvega1816 Thank you. After I posted that, I saw some reviews of last year's design. I have to say last year's cover is more my style.

[@UpandAboutGina]

How do I deal with a husband who uses same bank account and doesn’t budget with me.

[@roserivers2154]

How much do you spend on Botox and how often ??

[@mstracywatson]

What is the formula to get the percentage?

[@climatechange1246]

Good question. I want to know that too.

[@Plan_withcourt]

I just need you to personally help me with a budget 😭 I have tried and tried to get on top of a budget and I can not get it straight...

[@carolyneastman6095]

B

[@norm7897]

Dear, so meaningful, but so nagging...