The Budget Mom's 9 Steps to Financial Freedom

[@Raymondjohn2]

I don’t know how but you’ve managed to package an unbiased analysis that is more entertaining than the sensationalized segment of economic and financial news. Thank you for your efforts to be the signal and not the noise. I understand that the economy is currently in a downturn and that we must wait for things to get better.

[@audeywolsh]

As hard as it may sound you can plan for the recession. If you are working, find extra work and get an Invest--advisor. Protect your deposits by having enough cash in short term fixed income. Then cut your expenses. Minimal insurance, cut utilities.

[@maga_zineng7810]

I think the current market might give opportunities to maximize profit within a short term, but in order to execute such strategy , you must be a skilled practitioner

[@usieey]

Exactly why i enjoy my day to day market decisions being guided by a portfolio-coach, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not outperform, been using a portfolio-coach for over 2years+ and I've netted over $800k.

[@audeywolsh]

Even if you have a humongous income you still need to draw up futuristic plans because anything can happen. One could lose one's job or whatever. Investment cannot be overemphasized. About your advisor, how does one reach pls

[@usieey]

It would be a very innovative suggestion to look out for Financial Advisors like Catherine Morrison Evans who can help shape up your portfolio. Trying times are ahead, and good personal financial management will be very important to weather the storm.

[@lydiah7184]

I love this - it's only February and I was able to completely fund 3 of my 9 sinking funds! New (used) phone, new (used) mower & new tires paid all IN CASH on the spot! Zero dollars on credit cards. Man, it feels good!

[@abigailsoto9600]

👏🏽

[@jadiecakes3241]

1 - Establish you WHY. What motivates you? 2 - Prioritize your financial goals. short, medium and long term. 3 - Bring awareness into your life (track your spending) 4 - Create a budget calendar 5 - Create/establish/tweak your budget 6 - Cash envelope 7 - Debt attack plan (there is no one right way) 8 - Maximize retirement 9 - Long term goal focus I love these steps. I have a lot of problems with dave ramsey sometimes (i.e. how he is so fixated on snowball and the whole rice and beans thing) and this is so much more realistic and i think speaks to a lot of people. thanks for the amazing video miko! Also I like how its more generic, so for me (as a non american) i can see how it fits into how our system works etc (college is not something we need to save for, for instance, nor is health care).

[@lisawise4204]

Beans and rice is just a metaphor, but the rigidity of the $1,000 emergency fund (even in the middle of pandemic where we clearly see the inadequacy of $1,000), the way he jokes that he can’t rent from the local apartment complex because he doesn’t have a credit score, but he can buy the building - well some of us need to rent from that apartment complex!

[@acostatania]

Lisa Wise $1000 is only a beginner fund. He doesn’t promote that for life. Baby step 3 is 3-6 month emergency fund. I’ve also heard him in his show talk to someone who was calling in to dispute the amount that yeah it’s not enough but ultimately it was up to your circumstances. For a large percentage of people even a $1000 is a harsh goal

[@KaylaMarie_]

@@lisawise4204 Dave recommends if you need to, stop putting money toward debt and instead throw it into an emergency fund during this time.

[@sofondadavis5028]

I like Dave Ramsey but we live in a credit based society. I like YNAB for the how and why of CCs

[@fondcello]

@@lisawise4204 yes. and you don't have a life before you pay off your debt. TOO RESTRICTED! DID NOT WORK FOR ME!

[@yajairapagantorres9206]

Just what I needed, STOP LOOKING AT OTHER PEOPLE'S NUMBER, focus on MY numbers to get to my goals 😎✌

[@micheleann1737]

I think your budget by paycheck is the best budgeting system out there. Nothing makes you understand you financial situation more than writing all of it down and adding it all up manually. Sometimes it just doesn't add up the same on budgeting apps or spreadsheets.

[@rachellecastorillo7282]

Michele Ann so true! I usually just look at my bank statements and rely on my bank to track my spending. But then when I’m not logged in, it’s pretty much forgotten. Pen and paper method is just always so much better! ❤️

[@komimarcatsou1871]

Why is this video not getting one billion views? This woman always impresses me. I can notice in her voice that she really knows what she is talking about.

[@localone1597]

I totally agree with you on still having a life and making memories. Paying off debt is important but nothing is more important than family. Your kids are only young once and you never get that time back. This is one area I disagree with Dave Ramsey on. Taking some money for a cheap vacation and extending my payoff a few months to make lasting memories with my children is well worth it. Especially if paying off debt is gonna take a few years.

[@candy2325]

I agree. My biggest debt is my student loan is $39K .. there is no way that’s getting paid off in the next month, so I have a plan to tackle it but also I’m saving money on the side to do fun things too, so I don’t feel burnt out

[@randaray24]

💯

[@TallyWeinbergSpaceFluff]

I get paid daily through my business, im I’m sales so it’s sometimes fast money. Money went as soon as it came in! I buckled down with your worksheets and binge watched your videos for the entirety of July, and I’m on track to move into a new beautiful apartment in September! Thank you

[@h0m3br3w7]

You are the first person that made me excited about tackling my seemingly impossible debt without making me feel bad or ashamed about it. I also really appreciate how I can tackle debt and still put a little away for other goals. Thanks Miko!

[@Fannie1107]

I’m new to budgeting. As a single mom i want the best for my daughter. She looks up to me. We are learning together. She is is 13 and we are both learning the budget method . I can’t wait to get the workbook.

[@CurlMeSilly]

Because you're missing one nail I feel like you're an actual human and not a robot. Gurl you paid cash for a whole house! 😊

[@thebudgetmom]

😂😂 I am missing a nail

[@CurlMeSilly]

I thought it was great. It makes you more real to me.

[@rachellecastorillo7282]

CurlMeSilly 😂😂

[@choosetoshine2610]

Miko you rock! #Goals

[@LaToyaPlansLife]

So real!!! 😉🤣🤣🤣🤣🤣

[@livhammy]

I’ve watched this video multiple times! I paid off my credit card today! Next is my car, and then my student loans!💜

[@junebuckley4155]

That's good 👍

[@gardenguru1008]

My "WHY" is two-fold. 1. I need some house repairs. 2. I really need to be debt free going into retirement. I only have 6 years left to make ALL of this happen. If I don't start now, I probably never will. I wish I had you in my life 20 years ago. Keep up with the awesome videos. I will be using some of them to teach my students about budgeting in the next two months. They need to start saving in order to move out and live on their own. I feel so strongly that they need to learn the budgeting skills.

[@lookforward2life]

How are you hun? well I hope!!

[@zoramk4690]

The Budget Mom budgeting method is just THE BEST . I have learnt so much just watching your videos Miko . Thank you so much

[@fondcello]

it is working for me

[@elizabethflake3821]

You got to step 7 at about 26 minutes in and I was thinking 'Stop yelling at me Miko!' Lol. But seriously being very passionate about wanting the debt GONE, and remembering my why, is super important to stay on track!

[@LadyDelSangue87]

it's just a little bit of tough love! lol

[@FeedingMyThree]

When the footage of you and your son showed up while you talking about Step 1, I immediately started to tear up 💕 I have a two year old daughter and am currently 6 months pregnant with my second daughter. I desperately want my husband and I to pay off his nursing school loans and our credit card debt so we can start saving for our down payment for a bigger home. I want my daughters to watch mommy and daddy manage money well, pay for everything with cash, save up for their college so they don’t have to struggle, all while having lasting memories as a family and raising them to be good humans 💕 Thank you for sharing your story and method, Miko!

[@Sweet87671]

I feel the same way!

[@molonate]

You are the first person I have watched or have agreed with the way the material is being presented to me. For my bullet journal this year I truly decided to fill it out with things that matter to me and not what I have seen on the internet or how a bullet journal should be made. This year my goal is to pay my debts down. I found your channel by accident and you resonate with me so much, I am looking forward to going through your steps when I make my financial trackers this year. Thank you for being real with your content!

[@phoebusia1186]

You are right Miko, 👍👈 Budgeting is an emotional way.... I understood this week after many, many years... I see barely the right way, the unique way for me... You ask the right questions... While the psychologist can't show me this way... I know we have to discovery yourself... But the real questions must resonate in your mind and in your heart... I'm very happy to find you on my way that's incredible I have "to go" "abroad" to hear the positive way... Thank you so much Miko, God is with you and with the Budget Mom Community, we must be gratful 🙏💖🌹✔

[@MamaRomm]

I needed to watch this! I’ve been a Dave Ramsey follower and while I love and believe his methods, it’s so struggling to see the light when everyday sucks and we can’t spend money

[@nicolettecarpenter9863]

Stephanie Romero this

[@melaniebourke8393]

I think Dave Ramsey is too restrictive and cold, tbm has warmth to her budgeting philosophy and is more realistic

[@MamaRomm]

Yeah, I agree with his methods, I think he deff knows his stuff for sure, but I also agree with having a littleeeeee bit of freedom and like Miko said, living for today because you’re not guaranteed tomorrow. It’s almost like dieting and fitness, if you go too quick and strict, you’ll never stick to it. I agreed a lot with what she had to say! Very motivating to take a chill pill and not be so afraid to spend the $5 on some chicken nuggets! Lol. 💕

[@diannelabadie2256]

@@MamaRomm I feel Dave Ramsey's - WE'RE DEBT FREE- people are not in the same boat as most of me. If I was making 180K per year - I would have NO debt, either! I think most of us, deep down, would prefer to live within a budget. Just like we all need discipline in our life, budgeting keeps us disciplined in our spending.

[@lookforward2life]

Dianne Labadie have you watched the low income debt free screams? there is a playlist. Singles and low income families too. Way more realistic.

[@allisonwipf8682]

This is such an amazing video! I just bought your PDF guide after watching some of your videos and am really motivated to change my spending habits and tackle my debt. I couldn’t figure out budgeting for a long time because my income in inconsistent and your budget by paycheck method totally clicked for me when I found you. I love how you talk about here how your spending should reflect your priorities. I definitely had to do a lot of internal work before arriving at the place where I’m ready to come up against my debt. I feel really empowered, rather than overwhelmed and frustrated and I’m really excited to see my progress over this next year . Thank you so much for your content!!

[@ashleythetherapist7831]

I love this! Your budget and debt payoff needs to be customized to you. I take advice from Dave Ramsey however he does not dictate my life. You still have to live and enjoy life while paying off debt.

[@fondcello]

I like to use "cost-benefits" , what is the minimum amount of debt that I can pay that will get off the most amount of minimum monthly payment. This makes more impact on my monthly budget

[@kristinwb]

Just a note that the Roth IRA contribution limit for 2019 was $6000, not $6500 as you said. It's the same limit for 2020. If you're over 50 you can contribute another $1000.

[@jeniferpg13]

I appreciate you and the way you connect money with life, our own vision, and our self development. I love watching your videos because you let me see what is realistic with money and my life. Thank you!

[@Liv2Pnt]

I love the idea of having a specific "why". I've always generalized mine. Now I realize getting specific is going to help me stick to the plan.

[@emilyhardeman5051]

Thank you for this video. I love how practical you are in your advice. Even if you cannot be in the perfect financial situation right now, you can make small meaningful steps. That's exactly what most of us think we can't do the first time we have one bump in the financial freedom path. This is a breath of fresh air after listening to more extreme advice from others in the financial world.

[@georgerobinson2021]

When the market goes down then it's buying opportunity. If the market goes up then you are making money. If you stay invested and ignore the market's ups and downs, you'll make a lot of money in the long run; however, a severe market correction causes a lot of margin calls and sell-offs, driving the market even lower. currently, I'm up 13% in my diversified portfolio. As crazy as it sounds some still make enormous returns from this seemingly unknown market. gotta be greedy when others are fearful

[@raychristopher7797]

exactly what I'm personally planning on doing now the market is down, but I have no idea about stocks to buy or what assets that would yield the highest potential and so on. Your portfolio is freaking awesome, you seem to be doing well yourself. how do you select stocks you invest in?

[@georgerobinson2021]

@@raychristopher7797 I have my portfolio very well-diversified, though I did it using trad signals from a US-regulated broker *PRISCILLA DIANE AIVAZIAN* financial analyst and CNBC contributor and it's been a huge relief. Good earnings and little to no engagement at all on my part. Her stock picks are top-notch, I don't worry about market trends anymore because she's quite the genius in trading and portfolio diversification

[@raychristopher7797]

@@georgerobinson2021 Do you mean copying her trades as it's been done in Etoro? Do you just give out your funds or copy them manually?

[@georgerobinson2021]

@@raychristopher7797 Yeah but I don't give out funds here, It stays right in my account. I only mirror her trades in real-time that's ideal for this system. Copy trading is 100% secured and very transparent to work with her, you don't have to send any funds over. you have control over your funds and can opt-out anytime you want just like in Etoro. Check out her name online and get in touch if you need help with this insane market.

[@raychristopher7797]

@@georgerobinson2021 Okay, thank you. I just found her website very impressive and dropped a message for her.,. I hope she replies to me

[@izzyd.9864]

Strict rules and limits are great when you never heard about money management and budgets. But even when you pay off dept you have life/savings goals and it was never manageable under those strict steps. Now I am starting to go my own way, since I learned enough about budgeting and money management and it works way better for me and I feel accomplished

[@luxeydaze]

Congratulations on the new house! That video was such a joy to watch.

[@lisawise4204]

This is awesome, and one of the reasons you’ve inspired me on my own financial journey and system. Certain financial plans work, but feel too - like they’re for someone else. Financial FREEDOM is about having the freedom and flexibility to live the life YOU want to live, right? Thanks for everything you do!

[@allstar5sos]

You have the most detailed and relatable system that I have viewed throughout KZbin. You are very thorough with your method and I appreciate your hard work so much! When you talked about being honest with yourself, it really hit me. You make me want to be more serious about my finances and believe that I can achieve some big goals! Thank you sooo much for providing this platform. You are a force to be reckoned with !!!

[@mizzelleve]

You are such a great speaker! I have been watching your videos all week ( and taking notes) and I must say I have enjoyed listening to you. You communicate clearly and effectively and you are so filled with knowledge! Keep going 💪🏽

[@pollydolly9723]

Brilliant Miko! Life IS short. Hopefully everyone's WHY includes love in some form.

[@zoeseden4911]

Miko! I love these steps!!! I have used Financial Peace 4-5 times and have never succeeded…these steps give me financial peace and freedom that I have never felt. I bought your Financial Planner pdf version tonight! I cannot wait to use it this week!

[@batirtzeurkiaga4973]

I really think that you get the psychological side of how anyone spends money. I think it's really helpful that you explain it.

[@kliving1210]

I don't how old you are but you are wise beyond those years in money knowledge. Love. Your. Passion. Great content.

[@normazinicola4266]

I am in the financial services industry and your approach to budgeting by paycheck, saving, debt repayment, and tracking is the most comprehensible system. I think your approach to finances is much better than Dave Ramsey as I feel he comes from a place of judgement and it’s a very black and white approach. You bring zero judgement while reminding people that their savings goals and approach may be different and that’s ok as long as financial freedom is the end goal. I always find value in watching your videos. Thank you!

[@kiyahforever]

TBM made budgeting accessible for me. It took me a few months to finally get "good" at making, tracking, and sticking to a budget, but this month all of our consumer debt balances will be $0!!! My husband and I had a big sit-down conversation about what to do with our tax return, and it was hard, but we're seeing progress. Thanks, Miko 💕

[@noemirodriguez8780]

Blessings, and congrats on getting your dream home. .

[@hopejackson9521]

I have re- watched this and each time l understand more and can see how far l come. Thanks so much!

[@brook7365]

Finding what works for you is SO important. So many people in the personal finance sphere act like their way is the only way

[@lauragiselle1686]

You are such an inspiration. Idk how many times you’ve made me cry. Your passion is contagious ❤️

[@amandamunch82]

Thank you so much. I have been following you for a while. This is perfect. I was sitting writing out my monthly calendar, and I kept feeling something a step was missing. Like I am a kid in the class that wants to raise my hand because im not grasping and to shy. To ask. This video helped a lot. Im still a little confused. But remember to give myself grace.

[@melissamcneil683]

All your videos have been very educational, but this by far is the one that really hit home and made me look at my financial situation in a different light. Thank you!

[@animaloverdani10]

You are changing my life!!! Thank you so much. You are a BADASS woman.

[@ItsLaShantell]

Thanks for sharing. I love how authentic you are and the fact that you’ve been on the journey that a lot of us are trying to get out off.

[@christinascott1724]

I love this!! This is what I have been looking for a while now. I love that these steps are purposeful and realistic.

[@ViviansLog]

I needed someone to tell me this.. thank you Miko! Can’t wait for the upcoming videos you mentioned 🤓

[@GKAnderson]

I cannot say how much I love her! And that fact you can tell she's soo passionate about this!! Absolutely my FAAAVVVOOORRRIIITTEEE

[@mireyabender1503]

It’s May 2022 and I still LOVE watching this video!!! So happy I found you on this journey! I’ve made incredible progress since starting in 2020 and I owe it all you MIKO! Thank you!!

[@angelahall1643]

LOVE this! It actually doesn't make me feel like a failure to finally see that I CAN do more than one thing at a time!! PRIORITIZE and be ok with that! Questions for you: How do you feel now about using a credit card and paying it off at the end of the month? And what are your thoughts on buying a house while you're paying off debt? Thanks so much for this video ❤️💕💕

[@Sweet87671]

My husband and I are stuck on being short before next paycheck. He is the only one that works and gets paid (yes I am a house wife). So I think we get pay decent money, but still we strougle in that area. Thank you for sharing your experience and God bless you and your family!

[@rositaprincesa1930]

My respect, thank you for the eye opening, and sharing your knowledge.

[@heatherjohnson5612]

Can I just take a minute to say you are 1000000% right on with your truths you just stated. I needed the kick in the behind. You are literally amazing

[@teeforthewin]

Have you thought about doing a podcast?

[@thebudgetmom]

I have thought about it, but as of right now that is not in the future for TBM :-)

[@arcticrest8368]

yes! would totally listen!

[@heatherharmon2679]

I keep hoping there will be one. I use other podcasts to motivate me while I am driving. Lol.

[@patsycathcart1]

Such wisdom from someone so young. You are very encouraging and a natural motivator.

[@jilhunsberger867]

Thank you so much for this video! I love your approach and appreciate how it allows living life WHILE creating financial health. And I hadn’t realized that I was trying (and failing) with someone else’s system that did not fit my life. No wonder!

[@closeuppasmr1586]

I started watching you in January, and I have to say you changed my saving style and spending style. If I had never watched your videos I would of been stuck in my same rut day by day just like in 2019 ....THANK YOU FOR THIS :)

[@juliehaley5283]

This was perfect!! I list née to it on my dog walk!! Thank you

[@floppybob1121]

I will have to watch this video again. I realize I'm still on a high from your house purchase video and cant seem to focus yet. 😁

[@theonetruediamond]

I just love your videos! You have opened my eyes so much to budgeting. I’m just starting and it has been an eye opener to my spending . Thanks for sharing . Looking forward to saving for one of your budget books

[@jenniesgenuinegems]

PREACH Miko!! Great video, perfect! I needed to hear it. Your passion is palpable!

[@Francebound2024]

Sharing your video far and wide. I have my own business providing tax consulting to small businesses (pet groomers). I realize that this will help not just me, but also my clients as well. Thank you!

[@kimberlydavis5973]

First of all everything you said hit home in every aspect of my life to the point I have inner goosebumps. Such critical advice that will and has built everlasting joy in many family lives just as mine. Thank you for being so real, so detailed, and encouraging. Advice that should have a cost, advice that should be taught in schools. Secondly you are an amazing person for doing all that you. I’m sure your family are so proud of what you have accomplished. Thank you for these brilliant 9 steps! ❤️

[@sherrainehiggs7380]

Well Done. Brilliantly delivered. 😊

[@GenevieveMamaPlaytime]

This helped clarify so much about my budget and mindset towards it that I didn't even realize was missing from my journey! Thank you so much!

[@feliciafelicia6965]

This makes me realize I still havent found a method to budget that I can stick to. I'm so busy that I lose paper. I forget where I store electronic copies. So far I've been using google keep lol. Not great but it's a guideline

[@jackiejo88]

Have you tried google sheets? I use it instead of excel-super easy to set up, and I can access it from any computer or my phone to update it. Also was able to share it with my husband so he can update it in real time too.

[@ScottKS14]

You just need to be consistent. Decide to store your items one way. Keep all your notes all in the same place. Keep all your bookmarks in the same place. Documents etc. I used to be so unorganized but I just realized I don’t have to use all the tools available to me I just needed to be consistent with minimum tools.

[@reddtraining]

I'm struggling with this, too. Lol.

[@jadiecakes3241]

maybe look into some apps? There are some really good ones out there (I just never wanted to pay for them and only used the free part haha, i use a paper clever fox planner). One app even turns it into a game, so you build a little village! But it didnt roll over the way I wanted it too, So i quit after a month.

[@kayla6953]

What about a budget notebook that you keep on a desk or on a bookshelf in your home? You can keep it visible and set reminders in your phone to go to the budget notebook (or planner) and use it to keep track of your funds.

[@Elizabeth-uj8vn]

Thank you so much Miko for your videos, guidance, wisdom etc. these are 💎 diamonds.

[@Lionstigersnmakeup]

You are so good at speaking you hit me right in the heart! I needed to hear this. I am so grateful I found your channel.

[@raphaelaohren5650]

I just Love the way of you making this a more personal Journey that is individual for everybody in a different way! It Made me a Little sad that a lot of people answered my question about my starter emergency fund in different groups just in the Same way, to Save 1000€ First Bedford starting other things.. But I felt that for me it Mayas doesnt Need to be the exact Same number somebody else is saving if my way is different than theirs, right?! Thanks for giving us a path we can choose and still be able to fit things into our needs and life! Started saving my emergency fund but always had the feeling that I want to do different things besides it Weile doing it, But the fact that there are experts out there that say you need to save THiS amount of money first got me a little distracted and left me unsure if MY path was wrong...

[@toxopidtom5199]

Nice. That felt like a good hard push in the right direction!

[@lisakrushinski9436]

Wow! What an incredibly valuable video! You’ve gleaned so much practical wisdom and knowledge from your experience! Thank you for sharing it on this platform!

[@karenmarley9096]

I could not understand the 'why' behind the Budget Calendar. Thank you for explaining it more thoroughly in this video. This video is a great resource to view over and over when needed. Lead on....

[@takeupyourcrown6407]

I love how your passion just shines through in this video!

[@LizBrousseau]

😚😊I LOVE the budgeting content for sure....but more than that you have inspired to use social media, KZbin, to share my message and believe in the VALUE of my dreams! thank you for being an inspiration!😚😊

[@wolfpups1754]

Ah! That is awesome! good luck!

[@bittersweetbabey416]

she is an inspiration! good luck with your channel!

[@annematthews490]

Thank you for sharing- no debt but still money going to wherever- needed this info

[@BellaBella284]

I’ve loved following your journey, I started to follow Dave Ramsey in an ‘ish’ way because like you, we want to enjoy life with our children as it happens too. If we were just a couple maybe we would’ve felt differently but I didn’t want to put my children’s lives on ‘hold’ in a way because of financial mistakes we’d made and also like you say tomorrow isn’t promised. We have come a long way since I started following you, we still enjoy holidays but save for them, we have paid off more debt than I could’ve imagined possible and hopefully by the end of this year the debt apart from our house will be gone. Thank you so much, you’re amazing.

[@denniswoodbine6330]

I totally agree with you. When I started my KZbin journey to financial freedom and being debt free by the end of 2020, I made it clear that I was not making any drastic changes to my household life. My wife and i take pocket money and we put money aside for the kids and prior to covid 19, my goal was to go out and keep grinding to find extra ways to make money. The main thing about debt free journey is you have to do whats comfortable to you and your family. More power to you and your choices. And if you ever want to stop by my channel, i would greatly appreciate it and any feedback about my videos. Still trying to build my presentation.

[@giggzchula]

I love how passionate you are about sharing your experience! I am truly motivated to embark on this financial journey, thanks to the steps you have outlined in this video! THANK YOU MIKO!

[@ashleycasper6778]

Everytime I get my starter emergency fund saved up (1,000) something happens to where I need to use it then I have to start over and this keeps happening making me feel like I can never get past this step. Its very frustrating! It's all emergency situations also, not just wanting to buy a new TV or something not important

[@philipw4849]

Great video. I truly learned a lot and I am ready tackle my goals.

[@abbielynnjuett4031]

Thank you. I have shared this video with a woman I am mentoring.

[@sonialariviere4700]

Those are the best advices i’’ve heard ! Thank you so much

[@zayrafaustinomendoza8638]

I really admire you. And now that I am a mom ... I want to be a budget mom, too. Hahaha. 💗 I love your cash envelope method ... keep on guiding us 😊 thanks a lot MIKO

[@candy2325]

A year later watching this video and I finally paid off my car back in April! A couple months early than my projected June date. I’m not gonna lie, those stimulus checks during Covid definitely helped out A LOT. I put it to good use and also added my money from my paycheck on top of that! Now, I’m tackling my student loan payment. I paid $4,600 in interest ALONE! during the pandemic I saved every penny during the 0% interest to pay off that damn interest because I would never touch the principal payment if I didn’t pay it off. That shit made me mad girl! Lol Miko your doing the lords work! I love your budgeting practices!

[@SamanthaBuckman]

One of the absolute best videos, real videos ive watched so far. Thank you ❤

[@BradLongCo]

Very insightful piece of content!

[@sekayiperkins7448]

I love your energy is so emphatic

[@joycejoyce7825]

Thank-you Miko! You have literally saved my life 😊

[@JN-0peny0ureye5]

Putting my needs before my wants everyday is how I budget

[@portlandhouse4134]

Wow, your videos are very motivating and informative! Thank you!! :)

[@tifbrown8419]

I love everything about this video!

[@deborahmartin6835]

This was an inspiring video. I've watched a lot of your videos the past few weeks. Thank you for your content.

[@nicolewilkinson1941]

Preach it! I really needed to hear this. Thanks!

[@michellelisamahoney]

You are amazing! Thank you so much for sharing your journey! I have learned SO much from you!!

[@arleneevans6641]

What is your highlight method, which color means what? Just bumped into you and am looking forward to getting my money on track!

[@Havanah2006]

Preach Miko 🙌

[@mshariley]

I'm so glad I found your channel. I resonate with this so much! I am also a visual learner and will be implementing the cash envelope system.... I over swipe my card too often. I check my debit accounts and see $30-50 remaining and wonder WTH happened 🤔😂

[@sweetjazzygirl86]

That was so very good. Thank you

[@rebeccaweinstein6560]

I still think paying off debt needs to be as fast as possible. No vacations when you're broke. I agree with dave.

[@financechannel5815]

You rock!!!! Thank you for your channel.

[@HelenKerins]

Yes!!!! Early!!!! Love this channel!!!