Setting Up My Budget for 2025 / The Budget Mom / Budget By Check Workbook

[@sharonostrowsky37]

As long as you’re consistent in how you categorize things your fine but some suggestions: (1) Expand auto category to be broader than just gas. Include annual registrations, maintenance & repairs, car washes (2) Expand Logan category to be broader than his allowance. Include clothes, fees for any recreation activities he does, etc (3) Consider making a category for heath/beauty vs putting those expenses into miscellaneous. IMO miscellaneous s/b for expenses that don’t fit in another category or are unplanned for that don’t have enough $ for in their respective category. Getting haircuts and needing beauty supplies & household items happens on a regular basis and is substantial enough to have a category.

[@sarahlcc8365]

Setting up a new year is always so exciting! You have some big goals and lots of changes coming. I too have big, life changing plans for next year. Thanks for continuing to share your journey.

[@larkiameade9251]

I just say your channel and I love the content as well as the music at the end.

[@LisaMarieBudgets]

Our why and goals are so similar. We can do this!!!!! 🥳

[@ashsimmerman]

2 of my favorites!

[@Dmarie1078]

Awe both of you have this!❤❤❤

[@Sitasbudgetingjourney]

Awesome video. Thanks for sharing this as it will be very helpful as I set up mine in a few weeks.

[@theresafrench5204]

Great video! Excited to see your progress meeting your goals. I know you can do it!

[@kimberlyberry9453]

Ur very organized good luck with ur new goals

[@dianaviera6228]

Very helpful! I filled mine out at the same time. 💜

[@TheLadyCoconut]

Mine arrives tomorrow, can’t wait!!

[@LifestylewithLindsay]

So excited for you and this next year! ❤

[@SaveItMell]

Good morning! Watching before work.. I have the cheaper student Amazon account and it's great, no limitations or differences for me.

[@Berrydebtandsickness]

Great video. Suggestion change gas to car and add maintenance and insurance. Have a awesome week

[@staceypennington919]

Jennifer- I just got my full size workbook from TBM. Can you please do a video with all stickers needed? I know you use several from your shop and I just need to know what to order. I would like to go ahead & get my Jan-March stickers

[@lifeinenvelopes]

That's a great idea! I think it would be helpful for a lot of friends. Right now the only kits available in the 2025 layout are my January kits.

[@scrappinorchid5498]

I don’t even like paying the $75 I have to pay for my car registration. I can’t imagine $300. 😬😂

[@rickismith1259]

Great video. Love your why's. Would you be able to get a cheaper Amazon under Jacob since he's a student? 💙

[@rachelstallings5460]

Do you think you will be able to put something towards an emergency fund after the house sells?

[@lifeinenvelopes]

That's a great idea!

[@managingmonasmoula9811]

Hi Jennifer. Yes, I filled out my “why” and I am pretty passionate about my “why” too. Good luck Jennifer. You got this! 🙌💐🧡

[@1019lms]

Great video! I hope you and your family had a wonderful Thanksgiving! ❤

[@deana6633]

Moving expenses as a sinking fund

[@aprilbreon9992]

I setup my Nov and Dec stickers this weekend. They look so pretty. I'll be buying Jan with your Cyber Monday sale. I enjoy watching your step by step and appreciate your openness.

[@Bitbit3427]

Great budget set up….Thank you !❤❤❤♥️

[@kittyface7kat327]

Great video Jennifer. :)

[@familyzoo4412]

I always love when you film setting this all up. You always give me so many good ideas!

[@lifeinenvelopes]

Glad you like them! 😊💕

[@MyChaoticBudget]

You are amazing Jennifer! 🎉😊💜

[@kimrodriquez6854]

Hi Jen. I had a question?? I signed up for Paetron and Dec 1 is my first payment will I get Jan and or Feb sticker kits? Do I need to purchase 1 or both or none. Promise I will get the hang of it.😂😊😅

[@lifeinenvelopes]

Hi Kim! You will be getting the Feb Kit. So, if you want the January kit, you will need to purchase it from the shop. Thanks for joining Patreon! 😊😊💜💜

[@kimrodriquez6854]

@lifeinenvelopes Thank you so much. I will order that kit. Thank you.🙂

[@lisabaubeau8440]

Will you be close to T.C. Mi ? If your from the mitten you know lol

[@lifeinenvelopes]

I'm sorry I don't know, I only know the little bit of Michigan that I have visited. I'm moving to Ludington, Michigan.

[@lisabaubeau8440]

@ that’s just a little over an hour from Traverse City, MI. It’s a beautiful place here, you have to visit during the Cherry festival in July

[@christinewallace9251]

Happy December. It sounds like a great plan to get you ready to move by June.

[@budgetingwithkrztofr]

Great video!! 🌸 💚💚

[@jessicaroll9878]

I like the idea of putting a picture in the "why" section.

[@lindastarr6569]

I love your why. My why is the same i don't want to buren my family when i rerire.

[@dawandagoodwin7393]

The workbook through the QR is for the old workbook. I hope she updates it. This is the first workbook of hers that I bought so your videos are very helpful.

[@ellenwillis178]

Great video

[@sewmeonekenobi639]

Personally, instead of saying I don’t want to be a financial burden on my son, I say, I want to be financially secure when I’m old and no longer working. The reason is because it isn’t up to me if I am going to be a financial burden on my son. My son could choose to not support me. I’m not saying that right. What I mean is this, my mom is a financial burden on my sister. But, it’s my sister who has made the decision to allow this. She can at any time kick my mom out. But she feels guilty about it, so she doesn’t do it. You cannot force your children to financially support you in retirement. Poor planning on our part, does not constitute an emergency on our children’s part. I hope I’m making sense. By being a financial burden on my son, not only have I ruined my future, I’ll be ruining his. Also, if I messed up my finances, there is a high chance I didn’t teach him good financial practices either. So, when I am old, he won’t have the finances available to take care of me anyway. What a disaster. Thanks, I needed this little talk. It really helped me put things into perspective.

[@fourdayhomestead2839]

Agree. We're not suppose to be a burden on others. Working wether we want to or not, until debt free, investing wisely & have a plan! 😊

[@ginamoffett1973]

Love it Jennifer❤ Can’t believe we at the end of the year 😮

[@joygrace9536]

You could make a savings goal sheet sticker to cover up the saving plants page. I hate she got rid of the actual savings page I don't like coloring the leaves.

[@lifeinenvelopes]

I love this idea!

[@BookFanBudgets]

I plan to do this, too. As I watched your video, Jennifer, I took notes for myself on what I plan to change for my own setup. I am a paper planner for my work things, and I also use a paper planner for budgeting. I will print out a copy of TBM yearly savings sheet and tape it in (or print it on sticker paper) to cover up the leaves. I really dislike the visual trackers - I don’t keep up with them, so those are a waste for me!

[@amylb4761]

This is going to be an exciting year for you and Logan ❤

[@connieblack2839]

Michigan car insurance is more expensive then some states. Moving by your parents should be cheaper. Might be smart to check that out, so you don't get a big sticker shock.

[@GrammyKCrochetandSofties]

Why #2 I want to live in a new house. Remove any reference to the ex-husband so it focuses only on the future and leaves any reference of him in the past.

[@RoseAnnVillafranca]

Shouldn’t the house repairs be a 50/50 split with your ex. He should upfront his share then both of you get reimbursed if there are available funds after the sale of the home. You should not be taking on the whole burden.

[@lifeinenvelopes]

I know it's frustrating! I'm working on making sure that everything is fair for all of us.

[@TracyBirds]

Your credit card payments should be under debt, I didn’t see them anywhere?

[@lifeinenvelopes]

They are in my business budget. This is my family budget.

[@lisaalmonte3880]

Great job. Just wondering why auto lease is under Bills instead of Debt? Eventually it will be paid off.

[@lifeinenvelopes]

I moved my car payment from debt to a bill, when I went from making payments on a loan versus leasing for a period of time. My thinking is as long as I'm leasing I will have to pay the bill. Unfortunately, it's not a debt that will eventually be paid off. Once I'm done with the lease I have to return the vehicle to the dealership.