September 2024 Budget with Me

[@DearDebt]

Frequently referenced links: ○ MINT MOBILE: trymintmobile.com/deardebt ○ PFC COURSE: courses.personalfinanceclub.com/?ref=026c5f ○ Try Walmart+: share.walmartplus.com/amy84563 ○ UPSIDE: upside.app.link/932ZG ○ RAKUTEN: Get $30 when you spend $30! www.rakuten.com/r/YGF7T8?eeid=44749 DOWNLOAD my net worth and financial goal tracker for free here!: docs.google.com/spreadsheets/d/1IjKeXOxJ08JRhgJYtp4bG6O6THiAmv8rMR4a0LZLyp8/copy **Want to support my channel? www.buymeacoffee.com/deardebt **My Etsy Shop: go.magik.ly/ml/1qtku/ See you in my next video! XO, Amy

[@williamwarren9448]

I am sure I have told you that here in crazy Mesa grandkids went back to school …end of July !!!! Yes the crazy hot weather end of July ! California grandkids went back the first and 2nd week of august !! Crazy schools ! I MUCH prefer after Labor Day ! Yes plan on insurance doubling ( we changed almost every year lately for crazy increases !) plan on it and then be happy when it doesn’t happen ! Glenda

[@DearDebt]

Oh my gosh that’s so early! My kids are almost closer to mid September this year lol they go back soo late compared to so many others.

[@ceciliaruns72]

I had Instacart for years and NEVER went to the grocery store and loved it. I had 4 kids with me until the past couple of years they’ve been moving out. I cancelled it not long ago because my youngest (17) who still lives home loves to shop and Aldi, so he just picks up all the groceries and necessities! Win win! 🏆

[@DearDebt]

Love that!!!

[@TheOscar15432]

Hey friend. Got my Sept budget started. We trying to save to move . So we working on that. Many blessings to you.

[@DearDebt]

You got this my love! ♥️🫶🏼♥️

[@moneywithjustliving5258]

Hi Amy, I just love the updates. The months are going crazy fast.

[@DearDebt]

Yes they are! Wayyyy too fast.

[@sparklinbudgets]

What a wonderful video. My son goes back to school August 29th and I can't wait.

[@sparklinbudgets]

I forgot to mention August dates are very early for us given I live in Canada and we usually start after Labour day in September

[@DearDebt]

My kids are soooo excited to go back!

[@catharinabra]

My kids started school August 19th. Sooo we bought another car the other day… my husband messaged me a picture of my daughters dream car (an older Volvo model) for sale at $800 and it just went through inspection (which is once every 1-1,5 years) which means it’s in ok shape. It’s a manual and here in Sweden you have to choose if you want to have a ”full” drivers license in which case you can drive all cars or if you want a drivers license for only cars with automatic transmission (I belive you only have one kind in the US and then you have to learn how to drive manual by yourself?) anyway, it’s great because our kids have 20 km to the nearest busstop and we can’t always drive them. Our son has his license and our daughter can start learning in this car as well! Aaand I told my husband to offer $600 which they accepted so it feels like a total win!

[@DearDebt]

Wow that is amazing! We just have one drivers license here, but that totally makes sense to me. I feel like you should need to pass a test before driving a manual car hahaha I am very bad at it although I did “learn” when I was younger!

[@summerjoy247]

I would do Walmart+ but they don’t have everything I need/prefer so I always end up going to two grocery store 😩 And unfortunately I get meal ideas by walking around the grocery store sometimes lol terrible I know

[@DearDebt]

Agh yes that’s frustrating sometimes. Honestly at this point I plan around what Walmart has 😅 we usually go to Costco once a month too, and plan around things we can’t get at Walmart there 😆

[@ariholic2017]

I didn’t see any phone expenses listed-we need to budget $130 per month for phone and the kids' after-school activities, but it seems our expenses are about the same.

[@DearDebt]

We use mint Mobile which we pay for annually 😃 $30/month for unlimited everything

[@Ilonamusings]

Nice budget!! For our internet, I always go with the highest end plan since I work from home now and I’m paranoid that I’m gonna lose data 😂, but when I worked outside of home, I didn’t care what internet plan and would usually go for the lower or middle-end plan…

[@DearDebt]

We never really have had internet issues but I’m always curious if the best plan would like “shock” me and be amazing 😂

[@sydneysmith1921]

When I was a kid in Ca we started day after Labor Day my daughter same state started 8/15

[@DearDebt]

My kids start after Labor Day! Almost mid September at this point lol it’s so late!

[@jojosmoney]

I don't have kids, but I started school right after 4th of July

[@DearDebt]

Oh wow that’s so early!

[@thearbitrarylife]

My local school district went back today

[@DearDebt]

seems like summer still here!

[@thearbitrarylife]

@@DearDebt when I was a kid, we went back after Labor Day. Now it’s the third week of August and go until first week of June.

[@natehenkel4519]

Thanks for sharing. Quick question regarding mortgage. Based on your monthly income (and I know your mortgage is probably including your property taxes and HOI), it looks like it makes up 35% of your monthly income. Is that with a newer mortgage interest rate or did you guys' lock into a cheaper rate from a few years back?

[@DearDebt]

Our mortgage includes taxes and insurance and our rate is just over 4%. We had an escrow shortage because we have a newer build and it took awhile for the taxes to “catch up”. Also our take home is purposely on the lower side because we contribute to our HSA and 401ks pretty heavily

[@Maritza1963]

Thinking about it. How much do you tip?

[@DearDebt]

I usually do a flat $5 for my regular weekly orders which are smaller but if for some reason we have a larger order or with heavy items I do $10 then.

[@KattsLife]

💸💸💸

[@DearDebt]

💓♥️

[@amycolucci6769]

100 a month will indeed make you a millionaire one day:0)

[@DearDebt]

You’re so right! Little amounts add up!