BBP Real Life Budgets - Weekly Budget

For the first time EVER, I am sharing a Real Life budget with you. A couple of months ago, we asked my readers to submit their REAL information. Real spending, real debt, and real savings goals.
I am taking those real life numbers and showing you how I would organize that information using my Budget By Paycheck Method.
For this first one, we are showing and stuffing all of the information into one video. In the future, we will break these down into two videos to highlight all of the details of my BBP method.
➡️ HOW I TRACK MY SPENDING: bit.ly/3aIe89I
➡️ HOW TO USE A BUDGET CALENDAR: bit.ly/2IzF2Vj
➡️ FINDING YOUR WHY: bit.ly/3aJUryj
➡️ THE BUDGET MOM'S FINANCIAL FREEDOM STEPS: bit.ly/3cfJXsp
➡️ HOW TO GET STARTED WITH THE CASH ENVELOPE METHOD: bit.ly/2vQJaO5
➡️ HOW TO CREATE A PLAN OF ATTACK TO PAY OFF DEBT: bit.ly/2wDETxF
➡️ SHOULD YOU CLOSE YOUR CREDIT CARD AFTER PAYING IT OFF: bit.ly/3cFPokq
ABOUT ME
I'm the blogger behind www.thebudgetm.... I have a rambunctious 6-year-old son, live in Washington, and I'm passionate about helping people with money management and personal finance. Let me know what you like to learn more about! Leave me comments and suggestions on my video and let me know!
YOU CAN FIND ME AT:
📝 BLOG: www.thebudgetm...
📘 FACEBOOK: / thebudgetmom
📸 INSTAGRAM: / thebudgetmom
📌 PINTEREST: / thebudgetmom
GET STARTED
➡️Start Here: www.thebudgetm...
➡️Free Email Course: bit.ly/2UYgNFf
➡️Free Resources: bit.ly/2PDmTHz
➡️GET 10% OFF my popular Budget-by-Paycheck Workbook - Coupon Code TBMKZbin bit.ly/2CR7U9n

[@kaylanicole9895]

sinking funds can get out of hand SO EASILY especially when you watch videos on other people’s sinking funds. all of a sudden you’re like i need 20 more even if they don’t apply to you

[@elvagaile794]

Please do more videos like this. It helps to see different scenarios and approaches but still using your tools.

[@barbaracarbone4658]

Miko...I work for the IRS and I just want to say that this woman receives an awful large tax refund. Which is nice...but it means she is paying way too much tax. It seems that part of the tax system is the same in Canada as USA. If she wants, she can reduce her tax withholding by $100 per week, which is pretty much $400 per month more in her pocket. And still she'll receive a tax refund of about over $1k. She can talk to her payroll department on how to reduce her withholdings. Just a thought, if she's interested. I see this everyday at work and most people don't realize they can help themselves out. Great vid.

[@barbaracarbone4658]

@@needtoknow1989 Very awesome! Smart thinking 😉

[@jmgirard7]

That's why I tell all my new employees to go onto IRS's website and do the withholding calculator. And with the new W4 is kind of confusing for most folks.

[@barbaracarbone4658]

@@jmgirard7 I don't like the new W4 either.

[@brooke5863]

@@needtoknow1989 I need more info on this. How do you do this magic exactly?

[@HeatherLovesLife]

I thought the same thing, that’s a pretty significant tax refund - which means the government is benefiting throughout the year and she has less $ in her pocket. She should definitely talk to her payroll department, maybe they have her set up incorrectly in the payroll system.

[@greentxmama]

I freaking LOVE that your doing this!! 💕💕💕 More vids like this please. :) So helpful.

[@amandavelong83]

You are so personable, knowledgeable and down to earth and I think that’s why I love your method so much. Plus you make it fun. Thanks for doing what you do, you’ve changed my life in 2 short months and I’m thankful.

[@victoriagonzalez6304]

When she says that doing this will change your life, that is 100% absolutely true. Mine and my families life has changed dramatically since applying her budgeting method to our lives. Thank you Budget Mom for doing what you do and teaching it to us all 💜

[@okaylagee7633]

I just got a new job with a weekly pay! This is just what I needed🥰

[@stephanieporter6836]

YES!!! I totally agree with everything you said in your video. Setting up a budget is a lot of work up front, but it gets easier every month. Since following you I now have money leftover at the end of the month. That used to never happen! You are so organized, straight-forward in your explanations, and knowledgeable. I hope you'll continue to do these Real Life Budget videos so that we can see and hear your thought process!

[@pamelastandhart9650]

Please do irregular income where you might get one check per month and then the next month 4 or 5 checks.

[@margaretfinney6546]

You are truly amazing for such a young person. Very mature. So nice you are doing this for the reader.💕

[@WhosScarielle]

Let me just say.... I LOVE your nails.

[@tinabarrett546]

Hockey is one of my biggest parental regrets (sons are 35 and 33 now). A) HUGE sums of money spent on equipment, camps, ice time, travel teams - they played all the way to Juniors. Her 11 year old is just getting started, costs are going to be climbing from here - and I didn't see a sinking fund for $600+ skates and $150 sticks (that break very easily); B) Injuries - concussions, broken wrist, broken ankles, broken ribs . . . C) hockey is all consuming time wise; D) past college they play very little, an occasional pick up game or short men's league. Encourage a sport that he will continue - running, swimming, golf, tennis. Less expense, less injury. We stupidly spent tens of thousands of dollars we did not have to blow. Also, how is this for crazy - one son played in a travel league that played Sundays in a neighboring state - the league was so rough they wouldn't let the teams shake hands at the end of the game for fear a fight would break out (happened on more than one occasionl) and they always had a couple of officers present at the games. This was an elite travel team (several of the opponents were sons of professional players). WTH were we thinking - what were we teaching them?

[@rachelrodnunsky4011]

As a fellow Canadian, she doesn't include the medical costs because she has healthcare coverage.

[@blaqt107]

Don't be so hard on yourself. At the time you did the best you knew as a loving parent. As a loving mom!. You wanted your children to have fun. And be happy that now you learned something now. You may never have realized what you realize know. Appreciate this. Maybe you can help young mothers realize the cost in the long run. And already started by suggesting other sport alternatives.

[@denisescally7090]

Really good point! Not just about the cost but injuries whilst they can't be avoided the risk can be reduced. Here golf is a great life long sport right up into retirement.

[@natashagoldberg4882]

i’m in the middle of switching to budgeting by my pay check and also starting to use the envelope method. i realised quickly that i can’t take my full envelope amount out on my first pay period so will have to increase to that over time and just withdraw the essentials for now!! couldn’t have done this without you TBM!

[@teeforthewin]

I really enjoyed this, Miko!!! How cool to budget for viewers. So glad you started doing this!!! By the way, your home buying video was so inspirational to me I can’t even tell you. For me, it helped me to see what it looks like when you don’t give up on your dreams and goals. It went way beyond just financial. Thank you.

[@charlottemartin8529]

I thought my debts and finances were unsolvable . I found your channel a few weeks ago and have watched your videos on how to do your method and spent a weekend going over my finances in detail. I learnt a lot from going through them. I have sorted out a lot and I am following your pay check method this month and using cash envelopes for the first time. So far it is going well. I have been able to work out a way how I can work on my debts and improve my spending and budgeting habits. Can’t tell you how grateful I am to have found your channel. It’s work in progress but I can see a way forward at last. Thank you xx

[@luv2cook5]

Hi miko i started trying to budget in feb and there is alot of trial and error for me still. I am still struggling a lil..i have no debt and have 7 bills to pay monthly..i make about 2,000 a month..you have inspired me alot and your right it does take work..and I'm still working on it. 😀

[@annc1339]

I came across your YT channel in December and began budgeting in February. I have already seen and have learned where my challenges are and have saved money. Thank you for sharing all your knowledge and for being honest and down to earth. This budget plan for this reader really helped me because I'm Canadian and can fully relate. Finding you has really been a blessing.💕

[@brooke5863]

I would love to see a follow up on this in a couple months time

[@tnmingle]

Thank you that was very helpful! Since I have been budgeting I feel like I’ve gotten a raise just being more mindful of every dollar. And things can happen now instead of just thinking oh we have extra money we deserve to spend it any way we want! 😁 Thanks for all your help! We are going to get out of debt and have a great peace of mind sooner than later!

[@Cindyjs93]

Thank you I really needed to see a way to budget by weekly paycheck and this truly helps A LOT! THANK YOU!

[@alyden567]

I could related to the lady for shopping. Stressing out on how to pay for the debt

[@Thesolishouse3828]

This video was extremely helpful. I hope you continue to do this type of video.

[@EverTheOptimist37]

I hope a 4 weekly pay one comes up! I love how similar this is to how I work but it's so so much more detailed! Love it!

[@christinascott1724]

I definitely saw myself in her when she mentioned about the shopping. I just ignored the internal issues that were going on with myself. It's a process to start to learn to have self love and self worth in myself.

[@jolayemimochoge1746]

As a new graduate nurse I will be setting up a budget as I have not been working through my last semester of nursing. We have been living on my husband’s salary which I am now grateful because we are used to living on a dime. I so want to start off on a good note. Thank you so much. I have been binging your channel, website and instagram! Waiting to preorder my planner and get going. In the meantime I will use some of the individual printable. If you ever have a workshop in Virginia I am willing to be used as an example. So excited to begin my journey to freedom! God sent!

[@amandapaulino138]

You have saved my life and future in so many ways Mike God bless you

[@craftyteacher7900]

This video was amazing. Please keep presenting new scenarios. I would love to see monthly pay with sinking funds and debt. Thanks Miko. You're awesome!

[@gladysaviles8610]

Thanks again for your help. Can you do a video about bi-weekly paycheck please.

[@chiknlittle]

Gladys Acruz she does have IG stores for this. It’s in one of the highlights. If you catch Ryen (her assistant) on her IG with her budget, she also gets paid biweekly and she talks about it. Hope that helps you :)

[@gladysaviles8610]

@@chiknlittle Hi, where can I find it. Thank you again

[@chiknlittle]

Gladys Acruz on her instagram, under the story highlight “Budgeting”, she has her old budgets from when she got paid biweekly. Watch through those.

[@jeniferj]

Um, 1 AMAZING. 2, THANK YOU AND MERCI BEAUCOUP (BO COO) FOR DOING A CANADIAN! ( WHOOT WHOOT, EH?) 3 , WELL DONE and yes hockey is a finance itself!( there should be stocks in hockey sticks LOL!)

[@juststeph6940]

Jenifer Jenkinson are you from Quebec? Just wondering since I’m from there to.

[@juliedigregorioart6312]

Dear Kumiko Thankyou for teaching me your budgets .🤗

[@cocopei]

I love this! I am paid weekly and this is so helpful. I used to dread budgeting but now I actually enjoy it because of your method. Thank you for doing these videos. It feels amazing to pay things off and plan for the future 😀

[@sayleneromero2168]

Wow. I love that you’re doing this for your viewers. I learned so much. Thank you !

[@diannelabadie2256]

Thank you for doing this video! I bought your budget book for 2020 and am still having problems how to use it. This video helps a lot. Thank you and can't wait to watch April's real life video. But first, I will be re-doing my own April budget and worksheets. Thanks, again!

[@niriamlizeth6777]

This video helped me start budgeting! Thanks for showing the steps to start weekly paycheck to paycheck budgeting. Can you make more videos like this ???

[@kellytuazon6873]

Please make a video on how to budget on a daily basis. My income everyday is not fixed

[@jadiecakes3241]

Ohh I would love to see what Miko would do to my budget! Right now after everything I have about $200 to last me 2 weeks.

[@barbaracarbone4658]

Very interesting. Also, the $11/mo bank fee savings can now be applied to her debt. Those fees add up to $134/yr!! One question... Did she include her utilities in the bubget because I didn't see it? Thanks Miko. Hope this person meets her goals timely.

[@sherrypoole4430]

If your rent equals your whole one week paycheck. Do you take it all out of one paycheck? Thanks

[@ceerunste3671]

You are so inspiring, I love all of your content!

[@michellemorales401]

I definitely need to move a few due dates around. The last time I did that, it helped us enormously! When we moved and changed loans, we got new due dates and it does make my budget out of whack! Here's to a few Wonky months coming up! 😜🤪🤯

[@user-dv8bs7tb5c]

I'm in canada..there is an online bank called Tangerine, owned by Scotiabank used to be ING direct...no it's not a credit union...but every single account is no fee! I've used it for probably 10 years now for every single sinking fund savings accounting have and our joint and separate checking accounts... so if you're reading this lady from Canada TANGERIIIIIINE

[@juststeph6940]

Tammy she would need to make sure that she has a scotia bank near her to be able to withdraw her money. I don’t have a scotia bank anywhere close so I use tangerine for my savings only.

[@user-dv8bs7tb5c]

@@juststeph6940 really? I thought Scotia was very common place ...they even have Scotiabank machine in 7-11 and shell gas stations here! If you're doing cash ..like I used to also...its still possible, but I used to have a credit union account on the side simply to be able to transfer the tangerine cash to online then go into the credit union to make proper change

[@juststeph6940]

Tammy closest one to me is about 40 minutes away. But I’m in Quebec so probably different in Ontario and elsewhere.

[@user-dv8bs7tb5c]

@@juststeph6940 I'm in Winnipeg. This is all good information though for other canadians reading!

[@lucy2steele]

I'm curious what you would do in today's pandemic world about variable cash envelopes when it's suggested to be more of a card shopper. I ask because I used to use cash envelopes but it seems they are not good/safe/honestly banks don't suggest but spending gets worse for me without them

[@christybarrios8106]

I ❤ your why of budgeting!!! I want to thank you for all your help. Now I'm saving for either the download or your budget book. Just not sure witch one I would like and yes I know there the same. lol 😀

[@Havanah2006]

Christy Barrios hi May I recommend the digital version. I’ve got it for life and I’ve had to go back and print an extra page a few times so that I could rewrite my figures. It’s altered how we budget & so so good 😊

[@lizgodier]

Christy Barrios I actually have both 🤗. I think I like the digital a little better not only because I can reprint pages, but for me it’s easier to be able to see my budget calendar and my bill trackers next to each other to fill them out.

[@janajohnson5488]

this was great! I've been stalking your videos, signed up & downloaded your printable starter kit. It took me a few hours, but after watching, it does make sense to see it all down and it finally fell into place. I have a financial friend and she looked it over, said it was a lot of writing compared to my old budget form but it worked. I told her "yeah, but seeing it all on the calendar and the breakdown make it click in my head. I got the visual puzzle and it helped". (need some highlighters, but i had some colored pens). Please continue doing these, very helpful for the new followers! Maybe we could see Ryan work one out too??? as a new person working it out???

[@thebudgetmom]

Love that idea!

[@cutiepiepdxo]

Buying clothes every month is not a necessity, also I agree, your child is only in sports you can afford. Some kids with 2 parents still are in none. It is an opportunity to teach your children young about finances so they dont end up making the same mistakes. I know being in Canada myself. 75 bucks is barely any food, I would take my fun and clothes money for food.

[@anastaciastarling4378]

Omg I love this. Thanks, girl!! I'm working through our budget right now - 2 full time working parents, 5 kids (4 in daycare), 2 cars, mortgage, large debt, ... But I feel so hopefully! Thank you.

[@christinagibbs4263]

awesome, love your thought process on budgeting, and your videos definitely help people! I’d love to get an assessment from you, someone else’s opinion can be insightful, especially from someone you don’t know, for something that is quite personal.

[@halfmoonyogi4997]

Once you get caught up, it can be rather simple: Build up a buffer. usually 1,000. Calculate total fixed expenses. divide by number of checks. Auto-debit that amount into a bills checking account. Put fixed bills on autopay. Monitor this account, knowing nothing but bills should leave it, and nothing but paychecks should enter. Remainder of checks goes into second account, or is taken out in cash for envelopes. That is the amount you have to work with for variable expenses, either weekly or biweekly.

[@33snowgal]

Just came over from Cullen and Katie.(y)

[@corkspa]

Where do I go to submit my information? I use the half bill pay for ALL my monthly bills (I set aside half every pay and only pay once) and I CAN NOT figure out how to track it all. Making sure that I have enough set aside (especially for things like electric that varies) and what is due in the next period since not everything is auto pay. You kind of touched on it with the multiple highlighters but a more in depth review would be really helpful.

[@Snapwhiz]

corkspa just wanted to suggest contacting your company to see if you can enroll in a budget program where they average your amounts through the year. It’s called a budget bill pay for my electric and utilities it’s been a game changer.

[@gotshakespeare83]

They also call it average billing. I just signed up!

[@GodLovesUtheMost]

This video explains the calendar method in more detail. kzbin.info/www/bejne/hpnSeaKJp65jldE

[@Budgetforsuccess]

I wish I had that much leftover. Currently I have nothing or negative leftover. ☹️

[@lizzyanderson8879]

So I’m new to all of this and trying to wrap my head around how to accomplish my budgeting goals. If I go to a store, and I buy groceries, household supplies, and pet supplies.... how would I use cash envelopes and track those expenses in my initial “research” of determining my current spending off one receipt??

[@natalieh4928]

I wish there were more of these videos!!! They pump me up and give me the oomph I need to get my debt slayed!

[@jmgirard7]

Had to pause at 20:14 to correct you. Closing a credit card will still remain on your report for 10 years, so that history is not lost right away. Closing a card will however impact credit utilization once its reported to the bureaus and accounts for 35% of your score so can cause a drop in score. The utilization sweet spot is >5% reporting. Once that reports then pay the balance so you dont pay interest. If your score is important right now, keep the account open but do a freeze on it so you can't spend.

[@alicia_shaun]

Awwww I loved this Miko! ❤️❤️❤️

[@dianjohnson1]

Are the budget workbooks ready to order?

[@thebudgetmom]

We do our next launch in October but always have the printable version available

[@siszakeha7287]

This is very helpful. Can't wait to see more budget examples. Started using the workbook in Feb and have been tweaking my setup. I think I've got it down now for march. It was a lot of work in the beginning, but it forced me to really think about how I use money as a resource in my life. I feel very intentional and more in control now because I finally got serious about budgeting. No more winging it. Thank you for putting yourself out here as an example. I am determined to be debt free. For 2021, can you add a couple of summary pages to the back of the workbook that we could use to wrap up the year and/or add reflection notes? This would be nice for those of us who buy the bound version. They could be as simple as 2 lined pages with a title, "Year end wrap-up and reflections".

[@pamanderson4248]

I love this working with real viewers now that you have achieved one of your large goals. I would love to see you budget getting paid once a month, I am a teacher and we are paid monthly. Plus I have a teen son so my groceries are more than $200 a month! I do enjoy your videos-I used your tips for your new Pantry so now mine looks so cute!

[@muzicteechsop]

Quick question (hopefully). Would you put things like hair appointments every 6 weeks, dog grooming every couple of months, etc. into sinking funds? Thank you!

[@mzjennx]

I love these series! Thank you for sharing this and how to bbp! I’ve been binge watching/listening your content and been absorb in your blog and free content. I hope to accomplish my goals thanks to your teachings!

[@cutiepiepdxo]

This reader should look into learning about a minimal lifestyle.

[@brendah6893]

love these paycheck examples!!! helping so much with my own budget, thank you! please keep showing more of these.

[@michellehilliard601]

Love this! Thank you!

[@caatherineaa]

I loved this !!! So helpful and informative seeing it from someone else’s point of view ! These videos are going to be an amazing idea, I can’t wait to keep seeing them

[@rebeccasuraci7666]

Miko did you confused when you saw she has water and hydro 😂😝🤪 shout out to Canada and those kooky ways

[@silviawilliams4014]

The way that you explain and break down this process is so helpful, and I imagine will be life-changing to many sweet families.

[@maggiem1404]

When the Live Rich Planner comes out, will you have a printable version?

[@bmorehemi392]

The camera angle from the side is so not necessary lol

[@gotshakespeare83]

Would you recommend average billing for utility bills? I just discovered you a few weeks ago and am obsessed with figuring out my life now. I have always struggled with budgeting, but hope with your workbook to get on track. We are going to try cash envelopes as well.

[@smchalk3535]

I love this series, very helpful. It is so interesting to see different scenarios. thanks for taking the time to do this

[@Danadanadana3]

Very helpful to see another persons numbers. I think the most helpful was hearing your tips / advice on where she should make changes and what debts you would pay off first :) keep up the helpful work !! :)

[@Justme-dl4hf]

I really need to do this.

[@crystalseeley6140]

Budgets are a lot of work, but they’re so worth it. I’ve learned a lot from you and I can’t thank you enough. I will probably send you mine to get your feedback.

[@stephanieshifrin4285]

This is so helpful. Thank you for all you do to educate us. I'm looking at a divorce and this method is really helping me to save for me and my son to find a new place to live and it gives me hope and confidence when my soon to be Ex is telling me that we will Never make it without his income. I need to prove him wrong

[@lilliannevarez8856]

I LOVE these videos so much! I saw the latest one and then searched and saw this one. Super helpful. Thank you!!! :)

[@keeperofsecrets88]

I'd remove the credit card information from ALL online shopping (stores & devices used regularly) & lock it away so you REALLY have to think before you use it! I only carry the card that has rewards & Target (mine is just a store card not a Visa & I end up there unscheduled when out with friends because I don't drive so they'll randomly offer to take me for things I can't carry on the bus). The rest of my store cards & empty credit cards are at home! MUCH less temptation without closing those cards I've had for over 10 years!

[@heathercox4774]

I would love to have you do this for me and my family. We have a very interesting situation, my husband is on a transplant list for double lung due to cystic fibrosis. We have to relocate. How do we submit for this?

[@pri.sci.lla.]

Yay I love your videos 🥰

[@deannagarcia1323]

Thank you so much. I started following your methods last month and we have improved tremendously on our budget. I’ve had major trial and error but my husband and I are understanding it more. This video, your other videos, and methods has provided more tips and structure to our budget while adding some fun into the process that keeps us wanting to push for a debt free life! ☺️ Kumiko

[@chelseawhaling1205]

Forget the $11 bank fee, refinance that 21% interest loan! That's $8,200 per year or $683 a month just in interest!! But also do switch banks, lol

[@teresadavis5985]

I have been subscribed to you for months and I have successfully mustered your technique. I am now teaching others how to" budget by paycheck ". It works and I was amazed at how I have been able to save again. Thank you!!!!🥰

[@lauren.19]

This was SO helpful!! Do you have any of these worksheets available to use please? Some of them would make a great addition to my digital bbp workbook. Would be good to go right back to basics!!

[@ttrraaccyy]

I get paid weekly and my biggest hurdle was thinking I needed to contribute to my sinking funds every week. I was literally stuck on how to do this!! Thankfully, Miko, you showed me exactly how to manage this and that its ok to not put $$ in the envelopes each week.

[@wearethedoucettes9217]

This was so helpful!!!

[@johanneboudreau1699]

I just found your videos and wow, you are great at what you do. As I am just starting out a biweekly budget, I find this overwhelming, but as you say at the end of your video, it becomes easier with time. I did pick up 1 or 2 things that I am going to check with my bank. I am paying almost $17 in bank fees per month. Thank you for this and I am ecstatic that I found your videos..... take care and stay safe.

[@carlacondie8088]

Glad to see you found those extra bank fees!

[@teeforthewin]

I just bought the printable budget by paycheck workbook and I really like it. Is it always available for download?

[@chiknlittle]

Tyari yes

[@teeforthewin]

Taylor Easterling thank you!

[@jacquelinemorris3581]

Miko, thank you for this! 😍 I love that you are featuring more budgets. I get paid on a 15th and last day of the month pay cycle. I would love to see people with all kinds of income - low and middle - this is helpful and relatable especially for single moms like myself with two teenagers.

[@roserivera4214]

Love video like this!!!

[@nancygraves673]

What a great video Miko ! I for one loved it and love my BBP book that I use religiously. Having a budget gives you immense freedom and confidence.

[@elainecarrillo5434]

Where do we send info. to? Love ur videos trying to budget it’s hard. Your videos motivate me to keep going. Thank you!

[@AshleySeagren]

You might have answered this question in another video. I just haven’t seen yet. What do you do if your paycheck is not the same every week because your hours very?

[@chiknlittle]

Ashley kesby you budget for the lowest possible value. I personally use pencil because my paychecks vary. That way I can change my values when my actual check comes in :)

[@AshleySeagren]

Taylor Easterling Thank you, I’ll definitely will do that.

[@yojs17_]

Getting paid by the hour makes it easy. If you know your deductions from your paycheck, your pay rate, and your hours you can calculate your paycheck to the penny. This is what I do. Use a paycheck calculator such as paycheckcity.com

[@chiknlittle]

Joy Smith also, smartasset.com

[@AshleySeagren]

Joy Smith Thank you

[@thehustlinhomemaker1467]

Definitely do NOT stick with a bank that charges dumb fees like that!

[@wendelinharrison9571]

I get two teeny paychecks and one social security check a month! I’m excited to see how those numbers work! ♥️

[@mirainoivuyo984]

Great content! The sound of cars driving in the background is kind of distracting but still good stuff. Thank you!

[@erinann0721]

How do we submit our budget for possible help like this?

[@julie7035]

I think they already got over 1000 submissions or even more.

[@theserenewedroots]

[e-mail] I think.

[@johanna4456]

Wow four paychecks. I think I definitely prefer one a month. :D

[@BreannLaFaye]

YAY! This is PERFECT ❤️ Thank you so much Miko 😊

[@Stfuwhnutlk2me]

I want to submit my information. As a single mom, its sooo hard to figure out my life.

[@TheBohemianStyle]

I don’t know how to change your fixed expense of rent to split half from each paycheque when getting paid bi-weekly when the rent takes up whole entire paycheque?

[@aglaeerendon3319]

I just love the videos, however how or where is count the interest from the debt? ...

[@chiknlittle]

Aglaee Rendon I count mine on the debt tracker in the bbp workbook. There’s a section where you put “this months debt”, where I calculate my starting debt once the month starts, then when I start the next month I add it all together and again put that number. By that time, it includes the interest and you can see that when you close your budget on the debt page and you see how much you paid in dollar amount vs how much less debt you have since last month. The latter will inevitably be less because youve been charged interest.