The Budget Mom February 2020 Paycheck Budget Overview

[@HoneySun16]

Maybe you could do a video one of someone who is barely starting and clueless. Lol. But maybe track that persons from start to finish. And show how you can help them achieve budget goals.

[@EWCIAGROBEL]

Jenny A she has a video on her IG now that explains how she took someone’s finances and did it for them

[@nicolearguin8245]

@@EWCIAGROBEL I will check this out to as I am just getting started.

[@EWCIAGROBEL]

NICOLE ARGUIN it’s a little confusing initially , I just started myself , but that video I was like l 💡💡💡

[@nicolearguin8245]

ava booky can u post the link. I look through all IGTV but couldn’t find it

[@EWCIAGROBEL]

NICOLE ARGUIN she posted that she’s editing it to make one whole video so it should be up any day

[@teeforthewin]

I like Ryen’s highlighters! Those colors remind me of the Mildliners which I have, use and really like. I like that muted color look. Don’t be ashamed of your highlighters, Ryen!!!

[@kristinefisher8734]

I have the Midliners too! I use that green every month when I’m putting money to my savings account!

[@teeforthewin]

Kristine Fisher I think it’s a pretty color!

[@kristinefisher8734]

I do too! It reminds me of spring and beautiful colors ready to bloom.

[@ayannafraleymoore5265]

Ryen is so freaking adorable! I just love her!!!!!!

[@thebudgetmom]

❤️❤️❤️❤️

[@michelledowell2608]

@@thebudgetmom how can i purchase your work book

[@rhoadestraveled]

I really enjoyed this video with Ryen! I hope y’all do more together. Also, since you have the TBM office now you should have some of your subscribers jump on camera with you and show how they use your planner too! I bet there are a lot of different way to use it! My husband gets paid biweekly and so do I but we are on opposite weeks so we budget every week. I have a hard time with my grocery money lasting 7 days there’s no way I could put all that cash in my wallet for the whole month I’d burn through it. Lol

[@brookehershfeldt5524]

You ladies are awesome!! Finding TBM a bit over a month ago has changed my life!! Paying down debt, and building savings...so much less anxiety!! Thanks for being you and sharing!! Glad to see how it looks for Ryen too!

[@d1scopearl]

This totally made my day since I am new to TBM and budgeting in general. This totally makes a lot of sense.💕💕💕

[@jhdct94]

Thank you for the clarification on the starting balance. I was one of the persons getting wrapped around the axle with what I did at the end of the month for the next month. If the starting balance is whatever you have in your checking account on the first day of the month, that makes things so much easier. Hi Ryen! Liked to see your budget too. And your smiling face 😄. Please show how Ryen closes out her January in the next video. I would be very interested in that too. Still need help with the “Where Did My 💰 Go?” worksheets.

[@DailyDoseOfMigue]

Yes! This was actually really helpful seeing a Bi-weekly Paycheck method cause that’s the way my budgeting system is setting up to be! I actually took the initial and start budgeting this year after I came across your page and let me tell you, I’m off to a pretty good start! All these methods you are offering do actually work! And it actually dose help to see something in person and examples then just reading instructions! So thank you for this!

[@mrsbs7146]

REALLY enjoy having Ryen & her sharing her budget with us. Loving this set up!!! I only get paid once a month & it's towards the end of the month. I have to budget for upcoming month since I get paid so late. :)

[@freedominabudget]

Love seeing Ryen in your videos!!

[@paulacroly8865]

I think you two should do more videos together 😂😂

[@JVHarberden]

I love how customizable your method is. I follow most of what you do but also do it different in some ways.

[@funmi017]

Miko, I think it’s so fantastic that you get on well with your staff. You’re obviously a nice woman, I’m pleased I own your budget book

[@helenscho4769]

Hi Miko! Love your workbook and philosophy! One quick suggestion: since filling out the Paycheck Bill Tracker is dependent on the Calendar page, it would be great if the pages were side-by-side instead of on the opposite sides of the same piece of paper. That way your readers could copy from the Calendar to the Paycheck Bill Tracker without flipping the page back and forth. Just an idea for future editions of your fantastic product :)

[@asdfjkl50499]

That is a good idea but many of us who use her book have several paycheck bill tracker pages that we use, so we still end up doing some flipping.

[@cspann33]

I feel like I need to buy her planner now and I already am using Erin Condren.....live and learn. This calendar is what I’ve been looking for...👏🏾

[@taylorleigh186]

Yes! Love that you're a chiefs fan Ryen! My boyfriend is a 49ers fan. So it was a house divided and he was upset by end of the night! Lol Go Chiefs! ❤💛❤💛❤

[@nancybarreto1858]

Just put $51 of my $79 Jan. Challenge money and $50 from my Feb. Challenge to pay off a credit card. 🏆👏🏻 ALSO, LOVED that halftime. It was something else, but I was a proud latina during those minutes. It was the one time throughout the lose of my father that weekend, that I was clapping, laughing, and enjoying my time. Shakira added things that means a lot to latinas and Lebanese community ! It was just awe 🥰 It was just unique just like every other halftime show along the years. It was uff just 🤯 🙈🙊 But thank you for this video ! I am tackling debt and saving my emergency fund all at once ! And Christmas 🤯 So hectic, but I am ready to have this 2020 different ! As of 2021 things MUST change.

[@Ingrid---]

Miko is summer and Ryen is autumn and uses warm colors for her rainbow😍😍😍😍 Don't feel bad Ryen!

[@jessicaphillips5672]

Omg this helped me so much by seeing another perspective bbp! Thank you Ryen!!!

[@jmgirard7]

Would love to see someone with CC debt payoff as well as someone using cashless cash envelopes and/or using savings accounts instead of envelopes.

[@ckametria]

I'll tag you on my post in the facebook group.

[@amytaylor8009]

I would love this too as that is what I'm trying to modify this to look like for me!

[@MissBurlesqueGurl07]

This is me right now, would love a “real budget” to see

[@pugluvnapril79]

That’s my budgeting style to a T! I love watching these videos as I definitely budget by paycheck but I do not use the workbook.

[@jebica25]

I'd love to see that too. I use the Digit app in place of the cash envelopes. You can create different goals there and save for each one. Then when I need the money I pull from it. Like Miko I stuff each Digit goal when I get my paycheck so it's removed from my checking acct. Your money there is FDIC insured and you get 1% interest every couple of months. So your money is making money. If you'd like to try it here is my code. By signing up you can get $5. I've been using it for about 3 years now digit.co/r/hs5zKYIQ8h?wn

[@leannaewell1161]

my nephew(he's 11) is my motivation too( i want to be able to help him during young adulthood! I'm glad I'm not the only one who adores their siblings child so much! kinda afraid to have my own because of him!!

[@Pandorash8]

I have a friend who is so close to her nephew that it’s like he has two mum’s. It’s so beautiful to see the extended family unit really coming together around him 💙 Aunts and uncles rock xx

[@BreannLaFaye]

As an auntie to 5 beautiful little humans, I know exactly what she means! 🥰 Being an auntie wakes you up a bit to being more responsible and knowing that someone will look up to you! I hope you are the light in that little human’s life and gift her financial responsibility early in life so she won’t depend on debt like we did 💕✨

[@debfaling]

my dad use to get paid once a month and then as a teacher he got all his summer pay at once. they did the envelope system and she would divide the money by month and week. that way, she was always sure to have money each week for things like gas and groceries etc

[@LauraMangiaracina416]

I love when you guys do videos together. Thank you for all this great content - and the laughs!!

[@jessicalogan1119]

I loved the side by side comparisons. Thanks for sharing!!

[@hugskissesxoxoashley9925]

LOVE RYEN IN YOUR VIDEO! Love that she is sharing too. ❤️🤓💰

[@kivlogs7812]

This was great! Its nice to see someone else’s numbers and someone that is around my age. Thank you Miko & Ryen 😊💕

[@leslievalenciano-lopez8887]

Great to see a Bi-monthly paycheck example! Now, I feel ready to tackly my TBM with much more confidence! Thanks to both of you!

[@abigailrodriguez1027]

Thank you so much for sharing this! I get paid just like Ryen does and watching this really helped me with my bill tracker and cash envelopes. I also wanted to say that I am so thankful for you! I am new to the TBM team and I am glad that on 1 Feb I decided to really buckle down and make my money my priority. I look forward to many more videos and IG posts! Thank you so much. :)

[@driftlessfarmer]

Thank you so much for including Ryan’s budget! It helps to see someone who is paid more than once a week. This video helped me figure out how to use the bill tracker better

[@lifewithnia6982]

This is really helpful. I am also only paid once a month and most You Tubers are paid multiple times per month and it is hard to follow and conceptualize how my situation can be applied to theirs. Thank you for showing different perspectives. Again, it was very helpful and I feel like I have some much needed tools to move forward.

[@tereng128]

I love your budget by paycheck videos all I need now is more income💕💕

[@larsonamanda93]

Thank you for the video! I get paid tomorrow and finally sat down and made my envelopes. I'm excited to go to the bank in the morning and do this thing for real! Thanks again!

[@deana6633]

One of my tricks for monthly income or biweekly is to create an envelope for each week.

[@yrarchie]

I started doing this too. My trackers are for the 2 week paycheck period but I only pull out a week's worth of cash to keep myself in check.

[@TheLakeHouseTv]

when you blantly said " THATS A REALLY UGLY COLOR " bahahahah! that is actually one of my fav colors 😂😂😂😂🤣🤣🤣 it reminds me of my favorite food avocado!

[@1972COLBERT]

I like that green too.

[@yojs17_]

This was so fun to watchl! You guys are so relatable which is why we love you. But please tell us your real opinion on the Super Bowl Halftime show, lol.

[@HeirloomVintageCollectibles]

Halftime show was awesome and very entertaining. The ladies did great.

[@sashabrannum7401]

Agreed! I need to be budgeting for some dance lessons after watching everyone performing so amazingly :D

[@cspann33]

Paused at 13:45 to comment! I love the planner. Wish I’d known about you before I purchased the one I have now 😣 this is right up my ally. It’s everything I write out on my blank pages.....thank you. This will be my 2021 calendar for sure!!!!!

[@Flgirl7777]

I loved the conversation between you two. So funny!

[@MattSoares7]

thank you for giving me hope!! it is so helpful that you share real numbers!

[@ruthiecarlson1917]

It is great to see someone that uses the workbook as paychecks instead of more of a “monthly” budget. Me and my hubby have 6 to 7 checks a month, so there is a lot going on and the “monthly” budget wasn’t really relatable. Thanks for sharing Ryan! Suggestion: we have lots of videos with your example. I suggest focusing just on the other persons budget. Love you channel!

[@erikaestella3860]

Thank you both for sharing your incomes and budgets. Appreciate the transparency and honesty. As if I couldn’t adore you more, you reveal you were cheering on the 49ers, Miko. Gaaah. 😊 your work is outstanding. 😘

[@monicajones3834]

Thanks Ryen for sharing! I enjoying budgeting and stuffing my envelopes. Paying bills, not so much. I love my envelopes and having the money ready. My kids came home Friday with after school activities sign up forms. Because I have a school activities envelope I was able to pay the fees for both kids ($60.00 total) without missing a beat.

[@carlinsinger3293]

Ryen, you are lovely! 🙂 Thanks for sharing your budget with us!

[@KillingTheUnsaid]

I love all these videos every time i watch another one i learn something new or something i missed from the others! Im on month one (and starting w check one that fell in the middle) but im trying my best and have very basic goals this month. I am so excited to get the hang of this!

[@lmnoyer7569]

I go over our household finances on a weekly basis, since we have four adult children still living at home with us and I want them to see the importance of setting a budget and tracking expenses. Just recently, we needed to repair one of our vehicles and we had enough cash set aside to pay for the service.

[@debranobles4492]

The highlighters are fine! I like the muted colors.

[@elainecunningham2086]

I really enjoyed this video! I love the stars by the envelope money that stays in the checking account. I find that most of my envelope money is best left in my account and I was trying to figure out how to budget them, as a bill or as a cash envelope. Thank you!!

[@choosetoshine2610]

Great team! Love you guys! Ordering my workbook on September 15th. Can't wait to get it!

[@mj482]

Yes we need more videos of both of you in it, you guys just made my day. ☺️

[@thebudgetmom]

Yay!! :-)

[@karencarter3312]

I really like how you play off one another. It is apparent that you guys like each other and get along so well. :)

[@michellegagne1107]

I have been loving the videos with both of you. I love the more relaxed and fun time of them. I did get a few weird looks from my hubby when I was laughing out loud with you. ( I was wearing my head phones.) 😁

[@thebudgetmom]

Oh my gosh this is great 😁😁

[@dakyddchen9895]

"I had to commit!" ;D Thank You, Ryen for your commitment even if it's a "poop green"!!! teeheehee you both make budgeting fun and real! Yay to being able to commit!!! You both Rock!

[@ashleymcdaniel6188]

Thabks for breaking that down. Bought the budget by pay check book but felt a little overwhelmed filling it out makes since now though. So will give it a try for everything friday when we get paid. I always used a calender for my bills that stayed on my frig, and had a small notebook to total everything but like combining eveything in 1 book jusy was not sure how to plug everything in correctly till now. Thanks :)

[@dustspriteart5325]

I really enjoyed seeing Ryan's budget, it looks like mine and it is easier to see what I am doing right and what I can improve on. Also, using the Llama envelopes this month and so excited, it makes budgeting so much fun.

[@amberfrank9093]

I love you guys! Thanks for being so open and sharing!

[@genie5109]

Yes I get paid once a month and I blow my money QUICK, which when I got paid twice a month I feel relieved that I’ll get money again lol. But I’m working on it. I’m thinking maybe splitting it and only stuff 2 weeks at a time and see how that goes. GREAT video.

[@lavila1016]

I need Ryen to do more videos because since she has debt it’d be easier to follow along. I’m still learning how to work the budget-by-paycheck workbook. I don’t have Facebook so I can’t ask questions on there. I’ve done everything with following and reading the emails but using the new updated book I would like a step by step tutorial to follow along. I have my credit card debt and car loan.

[@angelicafelixsagastume5099]

I love that you got your assistant to share!!!!! The dynamics for my budgeting is different then then your examples. I am married and I track both mine and my husbands paychecks on a weekly basis. He is paid weekly and I get paid bi biweekly. I would love if you would be able to get someone who would be willing to share that is similar to me.

[@fridayfriday6972]

I would love to see an example of weekly pay.

[@barbaracarbone4658]

You are both great together! Very interesting to see back to back the monthly vs twice a month. Currently I get paid every two weeks for the past 31years..lol. But in June I'm retiring and will, literally overnight, become a monthly with my pension and social security . That's gonna be really interesting to switch over...lol. Like you said, Miko, it'll be 30 days in between paying myself. But I'll be ok. Big thanks to you both. Thanks!😃

[@candy2325]

I use a cheap notebook from the dollar store and follow these steps writing out my categories every payday on Friday lol. I’m like Ryan, my paycheck fluctuates and I don’t write hard numbers until I see the money in my account, then I go from there. I was trying to follow Dave Ramsey plan and I reached my $1,000 emergency Fund, but I’m going to continue building it because I’m just not comfortable with that amount at all lol. I’m continuing to save and when I reach my goal amount then I work to pay off my debt.

[@tx_cardshark]

Great job Ryen. Your budget seems simpler than mine “lucky”. Very smart duo. Cya both again soon

[@Pandorash8]

This is so interesting to see. I’ve been so hung up on monthly budgets for so long (my late husband was paid monthly), and now I receive money all through the month, so I’ve been running a cash float in my txn account (I never use cash for anything) and letting that dwindle during the month, but it’s always repaid by month’s end (I see the whole year at a glance as well as a monthly breakdown). Your system is more fluid and requires less discipline. I might have to convert!

[@Kathy_Ellen]

I love seeing Ryan!! Thank you. This helps sooo much!! :)

[@Statuzgirl]

This was such a helpful video. Your workbook is really customizable.

[@K1111A]

Love your videos together! So fun and helpful!

[@TheLakeHouseTv]

YOUR SKIN IS ABSOLUTELY BEAUTIFUL 😍😍😭😭😭😭😭 so beautifullly golden!!! YOUR GLOWING! NATURALLY!

[@mmaitin992]

This helps soooooo much!! I get paid biweekly, and I'm still trying to figure out how to do this type of budget

[@teresadunman4538]

This video was great. I loved it!

[@natashamerline]

i completely understand. me and my partner do it VERY differently. His paycheck & my paycheck will go to 1 account, pay all the bills & expenses using OUR paycheck. no his or hers. its all OURS.

[@alyssanichole22]

You guys are so fun together!!!!!

[@AG-zh4dl]

Love this idea! Would love to see one of a new bugeter!

[@samielynn23]

Loving this video!!! Thank you!!! So insightful. Very grateful. Blessings to you both!

[@jenniesgenuinegems]

GREAT video!! So much information & I loved your interactions with each other!

[@thebudgetmom]

Thank you!!

[@Chrysanthia.]

Check yoself!! lol that had me cracking up. This was very helpful! I'm finally about to start my first budget and I'm excited and nervous.

[@deborahbrown1242]

I just bought a wallet like the one you use. Only started this month but already going well. Like you said paying cash instead of swiping plastic really makes you think before you buy.

[@amberpatterson2363]

Deborah Brown were did you get the pink wallet like she uses?

[@deborahbrown1242]

Amber Patterson I got one in blue as I’m not a girly pink girl x I got mine from Amazon. Filofax Safiano (sp?) think it was called. Then I bought some clear plastic wallets to go in to use as my daily envelopes. Just completed 1st month and it’s working well so far. Next month will be my first whole cash only month. A little nervous and excited at same time!

[@lisaskrine4544]

Love these videos!! So nice seeing the difference since I get paid twice a month too👍👍❤️❤️

[@tenishah2611]

Great content. Love seeing how detailed budgeting can get.

[@starrp8951]

I love using those Filofax wallets! I wore my teal one out after using it for about 3 years. Just got a hot pink one to replace it. :)

[@alicia_shaun]

Ooohhhhhhhh I’m excited for this!

[@kelsey7888]

I absolutely love this! 🥰

[@kpoolove]

I'm so blessed to have found your channel. This is the first time I'm going on it. I used to work in child support and was over all the money. That part of me wants to ask you to please have the heads of your money facing the same way, lol

[@KarinaAlvarado011313]

Please make a video with ryen on how she closes out the month I do everything except close it out cuz my numbers never come out and it’s like what am I doing wrong 😭 I’ve used the clips she has to try to see what I do but still don’t get it so hopefully we can see how she does it ❤️

[@LaToyaPlansLife]

Yeah I still have a hard time closing out my month/budget. Most months my numbers don't come out right, so I just move on to the next month lol 🤦🏿‍♀️🙈

[@KarinaAlvarado011313]

LaToya Hall yes I rewatch all her videos she has when u buy the book but I just can’t get it right idk if I’m counting stuff I’m not suppose to or what but I just end up skipping it lol

[@LaToyaPlansLife]

@@KarinaAlvarado011313 I think it's because in my budget column I use whole amounts rounded up instead of the actual amount of my bills and I guess the change does add up and it throws me completely off. The only thing is I can't stop myself from doing it because I like to over budget rather than under budget. **sigh** I just call it a "buffer" now. As long as my bank account shows more than what my ending balance is in my book...I'm good! 👌On to the new month lol 😂

[@yas193]

This help alot because I never know what how to track all my bill that are due from the 30 to the 4th of every month and I get paid every Thursday. So I planned on using the last check to pay for does bill and the first week of the month

[@debramurphy4295]

I love this! I get paid 3 times however one of them may be two paid's due may be the same day due I use 3 budget

[@mrschrissyg.5955]

You have been such inspiration to me ! Thank you .

[@amyphoto113]

I love your videos! I have just started getting my March budget setup today. I had printed out January's and did nothing with it. Didn't even print out February's. The time to officially get started is now! :) This is the first time seeing Ryen in your videos and it was so nice to see the way that she goes about hers considering she does have some debt and gets paid 2x a month. I do have a question though about zero based budgeting that I haven't seen anyone address. How much do you make sure you keep in your checking account? You make sure to have all of your money go somewhere, to bills, or to envelopes, but you obviously have to have a balance in your checking acct at all times to make sure you don't get fees etc. Thanks! I look forward to your March video! :)

[@confidentgrace]

Thanks for sharing, Ryen! This was a great video!

[@WealthIsFreedomBudgets]

I miss these videos. I hope you will start posting on KZbin again

[@debbieconnelly4431]

I'd like to see an example of someone who budgets for the entire house income. My husband and I both get paid twice a month(not on the same day) but it all goes into the same act that the Bills and everything else gets paid out of.

[@almahernandez583]

Yes! This would be so helpful. I get paid once a month but my husband gets paid every two weeks.

[@johanna4456]

Ryen I have to say I really like the green highlighter 😄

[@christinaraiburn2924]

@4:00 That green highlighter was so disappointing! I was so excited seeing the lid color and Ryen was right, the lids look so much better. Theres a bunch of those zebra brand highlighters that do not actually look the same once on paper. lol

[@teeforthewin]

I ordered the teller slips and used them at the beginning of the month and I must say, I really like them!!! I felt good marching into the bank with my envelopes and my teller slip! 💪🏾

[@thebudgetmom]

YAY!!! :-)

[@angarettestuckey2839]

I really hope I can get my hands on one of the workbooks before it’s too late this year!

[@leslievalenciano-lopez8887]

I ordered the printable.

[@girlinmaine6741]

If you are on Mercari check there occasionally. I’ve seen a few listed.

[@EWCIAGROBEL]

I printed mine at work, If needed you can only print the sheets you need , there is a room for 4 paychecks I only get 2, so that saved me 24 pages

[@Ggggc14]

This was so helpful!

[@AdamandAly]

Hi, When is the restock for the workbook (yellow) 😭 I live in Australia and I love your budget workbook. This is the most generous when it comes to pages and I also get paid every fortnightly and applying for my second job so might get paid every week. 😭 so sad that I missed this out.. hoping for a restock soon ❤️ more powers to you and your Team Miko! 😍

[@anexceleratedlife]

OMG! I just bought an expired planner because...LLAMAS!!🤣 repurposed it!

[@yolandavazquez5766]

You guys make me chuckle. That's how I am with my girls. Did someone say, SQUIRREL!!

[@TuckedAwayHomestead]

Ryan!!!!! You go girl!!!!! 🙌 #CheneyvilleChild

[@karinklapproth866]

Very interesting and informative!! Thanks🦋

[@amyvj2008]

Still new to the budget by paycheck method from you and OMG this was so helpful i had to keep pausing because i took my upcoming paycheck and went step by step with you guys...it was a total "LIGHT BULB" moment (didnt quite understand the sink fund thing and now your helping this single mom prep for Disney for my two little ones and honestly NEVER thought id be able to afford to take them but sink fund mindset GOAL June 2021 which is 31 paychecks away ill be setting aside $81 each paycheck to hit my goal) Thanks Miko for all you do ***Hey Ryen whered you get your poop green highlighter? hehehe

[@thebudgetmom]

They're midliners!! :-)