BBP Real Life Budget | Budget By Paycheck + Weekly Paycheck

[@jessicasalas7489]

It would be amazing to see a follow up on these real life budgets.

[@tameekapeddlesden8107]

The comments on this video do NOT pass the vibe check. None of us know these peoples' whole lives by a ~30 minute video. Stop being so quick to judge, not everything is going to work for you and your family and that's fine! Miko is working with THEIR individual family. Watch the video, use some tips if it applies to you and move on.

[@SuzanneDesign]

I love the logic of these videos. I am curious though, do they actually follow your plan? Would love to hear feedback in 3-6 months. Do you ever hear back?

[@rawryomecakes]

The military member can go to finance and change their pay to monthly instead twice a month. Also military pays for all moving expenses, you can even request your DLA (dislocation allowance) in advance. This Real Life Budget was super helpful, both my husband and I are both active duty military, so this was very similar to our budget. Thanks again Miko! Edit to add: They might be able to pay for their kids college by transferring GI Bill benefits which would cover basic living allowance. (This depends on if they qualify).

[@LaceySawyerFincher]

“All Moving expenses” but you are still going to have to pay new deposits for electricity and water, if you rent in town a month or 2 for that, if you rent you may have move out expenses. I’ve never had a military move not cost me 😅

[@EWCIAGROBEL]

I was thinking about the GI Bill as well done covers it all

[@MMyers-mh4jq]

GI bill can be passsd down to the daughter but it sounds like one of these has another kid due to child support ( could be it being irr see d for that one ) or she used it for school.. military while they do pay for moves things still come up where it is good to have a buffer ie shipping pets not covered having to ship a 2nd car not covered, you only allotted a certain amount for dislocation/ Move when you first move.. and deposit and new plans depending on where they go as well and take into consideration of the possibility of her income loss

[@Megt0tes]

Also if he’s been in for 15 years, he will likely retire at a point where he would receive retirement pay and he probably has a tsp fund already coming out of his pay so the college fund numbers and retirement amount can definitely get a second look.

[@natalee6654]

I feel like I'm one of the only parents in the world that doesn't feel like Christmas is a thing. Definitely won't be going into debt for my kids or anyone else.

[@jessezaleski853]

We don't celebrate Christmas. I've seen her add Christmas to at least 2 people's budgets

[@Inputdonutz]

So true! I rather use that money for a trip or something else

[@AHStanley94]

Same. She always adds Christmas to people’s budgets. We don’t really buy gifts for anyone.

[@blaqt107]

I don't feel Christmas is too big a thing. But maybe A gift is ok, not several. I grew up poor and we had maybe A gift. And when I went to school everyone had several gifts. I knew we were poor. And it made me appreciate what I did receive. It made it more special. I'd rather raise my kids knowing the value you receive when you work save and purchase your own. You feel great doing it on your own. But morals and values are better. Not that you can't do both give several gifts and teach moral and values. But the extra money can buy you time to spend time doing things with your kids. You and your kids remember those moments, more than gifts. For a child, your presence is more important than presents.

[@debbieescobar2203]

Same here 🙏🏻

[@plantobebooked-Alicia_Allen]

I learned that more money coming in doesn't make you richer than someone else. Most of the time it just means they have more bills. In effect making them poorer than you are. If you make (for example) $3000 a month but have no bills, you have way more money than they do making $10,000 a month and 15 bills!!! It is all relative.

[@JessicaAnnePlans]

Yep, I have seen many people who make 3+ times as much as I do and have pretty much the same or lower net worth after all their liabilities.

[@stephaniebrown3826]

I think this is so true. The more you earn the more you spend.

[@LatinaL06]

Exactly!! I was thinking the very same thing. They make 10k/month but what are their expenses? Single income households like ours make significantly less and ((hopefully)) have less expenses. Then I see the prices for renting/mortgage and I wonder how single income households “do it” and well... sadly most of the time - they don’t! Living buried in debt and still trying to keep up with the Jones’. What a horrible way to live.

[@TH0KH]

Lifestyle creep is so dangerous

[@kfc4007]

Budget Mom you are the highlight of 2020 for me, number 1 on "great discoveries" for 2020, a "turning point", or however you want to call it when looking back at last year in the beginning of a new year. Thanks to your YT videos I finally understand how to budget and save money. Found you in July 2020 and now, first time in my life (I could be your mom, age wise) I have healthy looking bank accounts. No more head in the sand, "oh I'll see to that later". Later is now, no time to waste etc. ;-) Thank you very much for sharing your insights and keep up the good work. Happy new year!!

[@JazmineMcPhee]

I would have loved to see the budget imagined through the year to see how the outstanding debt looks at the close of 2021. Loved this video.

[@pollydolly9723]

Nice plan. No change to variable...just moving things around differently. That's why this system works! Thanks for showing us a different way to think about what we are overwhelmed with!

[@judybesse4058]

You said pretty good money for $10,500 a month...that is great money most families don't have that kind of income.

[@em-emma-em]

That's crazy money to me, my husband and I only just make 20,000 a year.

[@jackierodriguez7457]

I thought she said $1,500 a month and still thought it was good money

[@monacarney2689]

She needs to watch those kind of comments. It happens a little too often.

[@CalliopeFlowerFarm]

Came here to say this... I was so proud of my partner and I jointly making close to 5,000 (cad) per month. that kind of money is just totally outlandish to me

[@michellemorales401]

Seriously feeling this video because my Hubby gets paid every week and I'm biweekly. That means I do 4-5 budgets EVERY month. I have a system down, but I absolutely LOVE when I can knock out a debt! I am paying in full two this month and am super excited!!! 💙💜💙

[@kendah111]

What an awesome video, it takes a lot of courage to share your finances with others and open yourself up to judgment and criticism from viewers, I hope that one day I can be this brave

[@DearDebt]

I love these videos. It’s so nice to see other people’s budgets and how they prioritize things. Thank you as always for sharing!!!

[@shayhass5485]

I would really love to see a follow up on this in a few months to see if they implemented her suggestions and reduced the number of credit cards!

[@viveebeauty6225]

Thank you for Breaking it down! My husband and I are just starting budgeting and this helped a lot. But please know that not all militarily families make this much money. He’s close to retirement so he must be higher rank and it seems to me she’s adding their housing allowance into his monthly pay which is different in each state.

[@janandjean]

Thank you for this particular budget. Our household paydays are almost exactly like this family except my sis' is the 15th and the last working day. We bought the BBP download last year and got confused and quit. We just watched this video and a light went off. It all just clicked. We are starting it all over again for 2021. Our plan is to do January and February to make sure we know what we are doing and haven't messed up. Then in March, we believe there will be enough let to completely pay off one of the debts. Thank you so much for all you do to help people Miko.

[@wendybrown1414]

I love these videos. It is wonderful how you offer people options on how to manage their money. No judgment, just an honest take on how you CAN do things. Keep them coming.

[@Jaaked]

That retirement vs education bit was good info

[@maize1211]

I completely agree. I hadn’t thought of it that way.

[@bayyinahb2160]

great budget! to add on to what you said about prioritizing retirement vs college savings saving for your retirement will also prevent you from being a burden on your child later on in life as well. If you don't have enough to live on who will end up having to financially take care of you? Your kid.

[@LisaMarieBudgets]

Don’t think I’ve ever been this early watching a video!!!

[@ivonafiri9269]

Me too!

[@SavingwithChristina]

I love budgeting and watching the savings stack up!

[@heatherallen4964]

I would have loved to see a recommendation of getting rid of all (or all but one if necessary) of those credit cards! ALSO, it sounds like they need to combine their finances so they can keep each other accountable?

[@michaelswami]

100% agreed. Sounds like there is a lack of family communication and coordination. Should cut the credit accounts in half and TALK.

[@turisteandoentexas]

You would not believe my budget!!! We sacrifice so much in order to enjoy life the way we like it😁 that’s what it’s about right?

[@JENNiiiFERRx3]

I love watching these!!! Does anyone know how you can submit your budget to be featured in these videos? 🤗

[@bonniewilson8509]

HOLY, 10 Grand a Month? I'd give anything to have 10 extra Grand in a whole Year! :/

[@M2a3i]

Ditto!

[@jadiecakes3241]

$27.40 a day is 10k a year :) its one of my savings challenges (im doing 5k 13.70 a day)

[@M2a3i]

@@jadiecakes3241 thank u for that perspective- I think of lump sums- breaking it down in days makes it more manageable.

[@bonniewilson8509]

Good luck on your challenge! No way I could do it.

[@gkcollard2]

Same here!

[@kimberlyromo3581]

Thank you so much as of the end of last month im debt free 20 000.00 in 12 months so thank you so much you are such a blessing

[@cindymcginnis8201]

This was interesting , I do have a problem with one thing and maybe I’m wrong or looking at this wrong but what 3 year old needs 180 ? Maybe this is used for cloths and stuff but I was having a hard time with this.

[@em-emma-em]

Their 3 year old gets more spending money a month than I do at 30.

[@jenniferbarnes3155]

It may be clothes, pull ups, dance, gymnastics, sports, school stuff, taking them to the zoo or something fun each weekend, etc. All these little things add up.

[@tonihutchinson6283]

Maybe daycare

[@dianafonseca-pena8179]

@@tonihutchinson6283 daycare is listed separately. I think it's more along the lines of what @Jennifer Barnes referred to - some form of extracurricular activity. All extracurricular activities can be pricey no matter what part of the country you live in. Typically, folks want to start them young so 3 sounds about right.

[@tonihutchinson6283]

@@dianafonseca-pena8179 I saw after I posted. Well this baby has more clothes that I do. 😂

[@ourdebtfreejourney5642]

I made husband watch your videos and now he is on board ! We just did a video on our first month with Tbm workbook, or at least we tried our best lol

[@chica4253]

“I want my daughter to know the value of money, but not have to pay for anything.” 🤣 The best way to know the value of money is to earn it and spend it.

[@michaelswami]

Amen.

[@kittyp979]

I was just thinking the same thing. 🤪

[@couponingwithmelissalove]

Love these vídeos!💗 I'm so glad I found your channel I paid off 3 credit cards and am learning how to budget so I wouldn't over spend 💪

[@luv2cook5]

Thank You so much Miko for inspiring me to save I have your BBP wrk book..i budgeted my 1st 2 weeks of my pay for Jan..very excited to be using your ideas I love how simplified the workbook is..Happy New Year 💕

[@sagesnippets101]

2 sets of nails. Fancy! Joke, I know you had to film this twice. Love both your Xmas nails and your NY nails :)

[@kimberlyfewer8520]

I noticed that too!!! Ha !

[@chica4253]

She does her own nails

[@kimberlyfewer8520]

She does....they always look great!

[@rfamily2112]

They will definitely feel a sense of relief and accomplishment with paying down the debts so fast great video !!!

[@mzjennx]

I love love these videos! Thank you for continuing to post all these examples!

[@ananavarro7352]

This is great , I ordered my box set waiting for mail to arrive but I can’t wait to start This video is great because my husband gets paid weekly now I have an idea on how to fill it out once it arrives .

[@debbieescobar2203]

I love your videos ♥️🥰👏🏻👏🏻 I have saved over $5,000 after seeing your videos in over a few months. It feels great knowing I have a savings, especially now with covid you MUST SAVE. I also tell all my friends and co workers to show you. So they can learn to budget and learn to save money. 🙏🏻

[@nellie3176]

You inspire me so much. Just paid off a $1300 credit card this morning at 26% interest. oh hell nah lol!

[@Heidithune]

Nice strategy 👍 in Denmark we offen get payed once a month AND debt is payed the first as well making it a bit difficult to make this month by month.

[@jessieikhbold]

In the U.S. it's a hot mess, you can get paid biweekly, weekly, can get tips, bills dont come out on the exact date, it's always on a business day so this month on the 14th, the next on the 16th you never know etc. you have a lot of money in your acct one day and completely depleted the next after rent blahblah im exhausted get me outta here lol.

[@Heidithune]

Thank god for living in DK 👍

[@miabee1]

They’re bringing in $10,000 a month but need help with budgeting? A family of 3 and groceries are $500 and eating out $200. I agree some of these expenses can be easily reduced and money is there to pay debt. That much income and no emergency fund?! Between the two adults all of these credit cards, which they can easily just pay cash with their income.. 🤦🏼‍♀️

[@M2a3i]

I think they just didn’t have a plan and need guidance.

[@rawryomecakes]

@@M2a3i exactly, just because you make a lot of money doesn't mean you know how to manage it. When most people get a raise they just increase their spending. Nothing wrong with wanting guidance. There are so many hateful comments because of their income. Remember that everyone is on their own personal finance journey.

[@solidice242]

@@rawryomecakes you are so right

[@Amanda-hq9of]

you can make 10k a month and still live paycheck to paycheck if you don’t budget correctly. life inflation happens and people make poor financial decisions when they don’t keep track of their spending. Good for them for trying to take the steps to financial freedom.

[@sunshinepam5811]

Another great video. I’m so happy I found your channel. I have been binge watching, trying to wait patiently for your book to come back in stock, hopefully soon😀

[@maureenpluthero8543]

The wife says she want s to go to school could this amount be for her and not her daughter? Also while they are paying off debt the variable spending needs to be reduced. The eating out, the allowances, the beauty and home budget can all be reduced as well as the phones there are much cheaper plans on the market. My guess is they upgrade to the latest phone which is an expense they do not need.

[@Havanah2006]

Agreed

[@2babe6]

Oh my god yessss I agreeeeee

[@TheEverlasting17]

Yes!! Super video as usual! Thank you, Miko!

[@jenniferwang3489]

While we're not military and my budget is smaller, you have some tips on here that I'm going to implement. I use a calendar as part of my budget binder to help me figure out what gets paid when, and color coding the bill, rather than the date look smuch easier to visiaulize (I'm very visual and spatial, so little picture had to fit in the big picture). We had to put about $1300 onto a card for much needed car maintenance/repairs. It's much cheaper to take care fo the car you have than to try to buy a car you financially can't handle right now. We were lucky that my hubs family gave us the money to cover the credit card bill, but it's important to me that we pay it back. So I'm budgeting an amount (higher than the minimum) that we will pay each month back to my inlaws.

[@icedhotchocolate5875]

Love this channel !!! ❤️ so helpful and lots to learn

[@arthrodea]

Ironically, if they were to invest that $180 dollars a month for the 3 yr old - if you assume a 7% rate of return (which is pretty modest) - they would have about 50,000 in 15 years when its time for her to go to college. (it might even be more, as the stock market could do better than 7% a year)

[@financegrowthjourney9002]

Great video- crucial to start 2021 on the right foot financially :)

[@athomewithjenny]

This was very helpful, thank you,

[@EmilyDowgialo]

This was really interesting to watch! You do such a great job with these videos 🙌

[@The3Gregorys]

They should apply for SCRA for all of their debts, not all companies honor if the debt was accrued after active duty date, but some do and will give back interest paid over 5%. It never hurts to try 🤷🏻‍♀️

[@laurasedit9891]

Would you be willing to do a English real life budget?!? I’d love to see how you would do it 🙂 xx

[@MindYourMoney]

This was a great one!

[@MC-zo5ho]

As for their rent, it’s covered by bah, on or off base it doesn’t matter and when you move you can get dislocation allowance before or after moving. Lol those variable expense are ridiculous even at that rank/ pay grade. Also he can look into the gi bill paying cost for his kids college.

[@tameratupou4217]

The outtakes at the end 🤣🤣🤣

[@herhealthful2884]

Yaaaay!!! Love these videossss

[@sergiolopez1855]

Great video!

[@AmberGilbertson]

I know the pressure of 15 debts, it can be very overwhelming. We now have 8 and it’s a lot less pressure.

[@MissouriPrepper64052]

Just an additional note unless they plan on doing a ditty move which is means they move the military will pay them for that they also pay Perdiem for food as a travel it’s extremely high so there really won’t be any out of budget cost for moving and if the military moves them since I was moved before the military pays for the entire packing moving and transportation as well so the Perdiem again is high there they’ll be no moving expenses most likely just from my experience since I’ve done this before

[@Rowland22]

Yes the military pays for it but it’s nicer to pay in cash rather than on the military credit card and still have to possibly pay that before getting reimbursed. We also had moving in costs that’s not included ( if they live off post they have to pay deposits, or pro rated rent ) Also they could have more weight than allowed and do a partial so they don’t have to pay out of pocket and could still go over what the government pays

[@MissouriPrepper64052]

Since I work for the military I know a gentleman with a budget that high and working as an Army personnel soldier he has his housing pretty much paid for if he’s over in housing he does have to pay the difference but he does have a basic housing allowance that will eat up quite a bit of the cost for the Perdiem in the state that he lives in so housing costs wouldn’t be very much I wouldn’t think as far as other expenses they’re just over expending they need to live at their means not above them great video though

[@Megt0tes]

If a military member is in housing they lose their housing allowance.

[@michaelswami]

I know I’ve commented a lot, but you mentioned 5700 a month in spending and 10500 in income. What are they doing with the 4800 delta, lighting cigars? They could be out of debt completely in 10 months with focus.

[@BarbieAshhh]

Do you send them the final plan before posting the video? Just wondering because this is uploaded after the month started

[@jweigel4975]

I always cringe when I hear how little others are spending on groceries for a family. I am one person and my budget is $150 a week, for $600 a month!

[@AHStanley94]

We spend 100 a week for 3 of us.

[@lydiah7184]

We spend $200/week, family of four. I refuse to cut back on that, it’s extremely important to me to eat very high quality healthy food!

[@beautyisaliveinyou]

Maybe it depends on where you live? I spend maybe $740 a month for a family of five. That is going out to eat too

[@luv2cook5]

@@AHStanley94 Hi I've tried to do 100 a week for myself and 2 kids its not easy..so i had to increase to 130 a week..god bless.

[@ananavarro7352]

I spend $125 for family of 4 and it’s plenty Healthier eating and meal plan and we still have food left over for the next week . So some weeks might be less and some weeks might be a bit more all depends if I go to Costco ! And buying bulk which will last for months

[@colormemandy]

Are the debt picture worksheets available for purchase? I don’t see them in your shop

[@Ind.strength]

As a college kid I can say $50,000 is about a years worth of college or 2 if you stay in state. $50,000 would be doable is she utilized 2 free years a community college. (That’s what I am doing. Not sure if all states have it. I’m in NC so public college is relatively cheep.) I would save $100,000 to $200,000 to cover college. My parents have 2 accounts for my college. One is a stocks account. My grandpa gave a guy $10,000 when I was born and he’s played with stocks my entire life. The second account is one made for education so the taxes are different. (Idk what it is) my grandparent put $5,000 in it every month since I was born and are still adding to it as I’m in college because my career requires a year of unpaid internship. My parents have put anything in my account themselves but if you have $10,000 up front and $5000 every month. It’s completely doable. This is just what worked for my family. We’ve done it with 4 kids. All of the grandkids are debt free and educated. My grandparents one both sides of the family are obsessed with us being debt free.

[@amah851]

Can you please do a Real Life Budget for a single mom with 2 jobs?

[@raynacharles1504]

Their child support seems a little low given the amount of income from the husband (I assume it’s for his child since it’s coming out of his pay). Also, do they not plan to contribute anything to the first child’s college? They may also need to plan for when child support goes up or the first child has additional needs, college or otherwise.

[@arthrodea]

This is a great point - it sounds like the wife submitted this, and naturally is most concerned for her own daughter.... but they definitely need to consider his other child.

[@abigailbuentello425]

the child support most likely goes off of his taxable income which isn't his entire income. For us when we were a military income 50% of our income wasn't taxed (just our experience who knows their particular situation) 😊

[@raynacharles1504]

@@abigailbuentello425 That makes sense. My husband retired from the military 4 years ago and now is on his second career. Getting used to having your income fully taxed and bringing home a lot less was a big adjustment.

[@abigailbuentello425]

Oh most definitely this was us this year. On paper my husband makes double his military pay but we definitely miss that tax free income 😅.

[@abigailbuentello425]

@@arthrodea I agree I am a step mom too and whilst I have account set up for my 3 biological children my step sons college fund is managed by my husband and his ex. His ex and her husband only have one child so they will cover that stuff. Just sharing because everyone situation is different and it could be something like that 😊

[@amandamoran3413]

So I noticed in the video that Miko talks about getting rid of the debts, but what she doesn’t talk about is how much the minimum debt payment is on those debts and once that is paid what is left over for the extra payment. Am I correct? Or did I miss that part? I think that would change how soon they are able to pay off those debts.

[@hopegate9620]

The minimum debt payment is in the bills . Extra debt payments are anything that aren't included in the minimum debt payment, thus they are in a different category

[@randaray24]

Right! Those 8 debts minimum payments added together would be a nice chunk to throw at the rest of the debt or add to savings. Of course she said snowball method so I assume that was part of her calculation for the next month.

[@jessicac4711]

Love your videos and your budgeting books. But I wanted to ask you. What do you do with all the books and sheets you have used over the years. I’m still figuring out what will I do when I’m done with mine.

[@riyabaker7998]

I love all these videos but I was wondering if there was anything for college students ? Or just like young people who are just starting out and want to have good finances?

[@michelleh6768]

Her bbp workbook is available again

[@aprillockhart5633]

Can you do or help with a budget for a single mom of three kids that gets paid Dailey.

[@kristinesharp6286]

Comments interesting. Everyone makes mistakes with money. People will more can make more mistakes. Military should be making decent pay.

[@Miyahideko]

Soooooo what youre saying is that i should join the military?

[@SaltySirenFloriduh]

Definitely not for the money unless you’re going in with a Bachelors degree. My husband is enlisted and makes about half of that in base pay on top of about $3k/ month for housing. Her husband is probably senior enlisted or an Officer.

[@aw8758]

she makes good money as a pharmacy tech too! im a pharmacy tech in nyc and we literally start at min wage and you have do do and know ALOT. im in nursing school now so im really hoping this lady makes the jump to up her income! also the "not working while going to school" is dangerous. i worked so much during school i had to stop going to school for 2 years bc my family literally said "ur on ur own" after highschool. and i dont blame them. i would contribute to my child's tuition BUT i would end it there. having a part time job while in college is VITAL. unless your kid is in an accelerated program or medical, dental, something so rigorous they cannot work. but ur kid should def be working a part time job while in a normal standard 4 year college.

[@kristietunick9124]

Hi sorry for long comment as just not sure if you still sell budget binder to get tom. as not able to sleep and since Kris if all goes well in hospital will be in for 4 weeks or more with all surgeries to be done and wouldn't want you binders to be gone if they are not already? Thanks as praying this year we get miracles all of you deserve to happen if need them too. May you all stay healthy and safe in new year. Brian, Kris husband.

[@lcozzolino1]

How do I get on the list for a Real Life Budget? I would be forever grateful to get the help ❤️

[@carlasmith4704]

are they using the envelope system then to pay for things, like groceries, etc??

[@Rowland22]

I hope they see this comment, they should see if they can get SCRA applied to some of the loans and lower the interest rate and get it credited back to you. Many companies ( synchrony and possibly Others) go above and apply this to after the date of joining! There are some Facebook groups with getting this applied to the account

[@colormemandy]

this is not related, but Miko I would love to know how you do these specific nails

[@meagancolver2119]

How can I sign up to have you help with my budget??

[@donnagomez2680]

Do you still do these real life budgets and if so, how can I get you to do mine?

[@kristietunick9124]

Hi i am Brian, my wife Kris is disabled going back to hospital as very scary situation in order to stay alive since i haven't had my job opened that works around Kris's docs and hospital stays. Yet for a year except one month getting only the unemployment paying us $1100 a month and was a RT yet had to wait tables once Kris got disabled and down to nothing yet thanks to couponing stuff free and money gotten back yet need to pay of debt. Are you still selling your budget binder, the large one? As Kris has to go back to hospital on Fri as want to order as if we get miracle after we pray they get hospitalist attending in charge after her surgeons and other chief docs outside all found out Kris was in and none of them called in to keep Kris alive. Yet sent home. we don't want to lose out on getting one of your budget binders with the rebate money she has earned, as if all goes well Kris will be in hospital for a while.Thank you as i pray my wife/soulmate gets help as does all her chief specialists in shock that she can't see residents outside hospital yet after we asked s. worker as must advocate for yourself due to prior bad experience earlier i year we still had them assigned to wife as she is a paraplegia, paralyzed suffered lying on broken ankles, and more. Love your channel as pray you all get to follow your dreams as so much changed in our life so fast. Kris got disabled after taking care of her mother who passed away from MS. As she had to put her clothing line then was going to start business with father as i was finishing med school. Yet overnight inherited disease and now its been very rough as we both never got to have our careers. Kris has to go back into hospital, believes she is still alive to help others about healthcare especially after what just happened in hospital with docs harming her as i am sllowed to be with her 24/7, not any of her critical stuff taken care of, not any of her chief specialities called in that need to do many suegeries. When no one was even in covid hear. She is blessed to of found your channel so i can see how you can get debt paid off. As a quote sais prior to this last hospital admission she did believe and so many problems this year yet sais has to believe as you show and since 2006 that a quote we have with little at times and then the amount made that, Nothing is imposible, the word itself sais i'm possible." by audrey hepburn. You all sound like kind people and may all of you stay safe and healthy and have a better year!!! Sorry for the long post as just pray you all your dreams come true staying healthy as everyone deserves the best in life.Thank you-Brian Kris's husband

[@adrilyfe7869]

That was amazing!!! Can you help.me with my debt😂

[@tanishamincey1439]

So where are those steps? I need to find the video that helps me fill out the binder

[@jadiecakes3241]

There is a free course on her website that might help you, or if you join the fb group you can sign up for a mentor for help :)

[@theresacevetello4428]

I need you to do my budget!!! Help!!!

[@harumyevolution6465]

wow wish u could do mine

[@juliekeenum5016]

I just can’t wrap my head around keeping cash in envelopes. If your house burns, your cash burns. If you keep it in your purse and someone snatched your purse they get your cash.

[@FannyGodMother]

I would think a few thousand dollars in cash burning is the least concerning thing when your house burns down. Also, people who keep large amounts of cash can probably just put it in a fireproof safe. As far as purse snatching goes, you aren’t carrying around thousands of dollars.... it’s just your variable expenses so it could be a couple hundred dollars but people know their own neighborhoods and know the risks so I’m sure they will plan accordingly.

[@lisaburmood5540]

Me either. Opening up additional bank accounts for sinking funds might be a better option for you. Jordan Page explains this method.

[@lydiah7184]

I don’t keep large amounts of cash in my home, I leave it all in my checking & saving accounts. Don’t know how people feel comfy doing that either!

[@faithskipper7772]

I still do her methods but through my checking account. I use the wallet but I have the cashless spending categories. It’s a little harder because you have to keep up to date along with income and transferring money to sinking funds accounts but it still works great 🙂 our home has been broken into previously and our vehicle so we don’t feel comfortable with money being left in a hiding spot in our home.

[@arthrodea]

Miko keeps her cash envelops in a fireproof safe. Most of her sinking funds and her emergency fund is in the bank. Most people just take out a couple hundred dollars per week into the cash envelops. If they loose a couple hundred, its definitely frustrating but not the end of the world. You should have an emergency fund in the bank for in case the house burns down.

[@kaylatorpey8420]

I have a question for you. If I take a month to write all expenses done. Can I start mid month with the budget. A lot of bills are due on the 5th

[@jenniferbarnes3155]

Yes! Join the Facebook page! Lots of help there too.

[@lyndsitriplett1499]

So I am new to all of this and I have a few questions anyone feel free to answer so the first of every month I get paid child support and then I will get paid that Friday so my question is with the child support should I use it for my variable spending and fill my envelopes or combine it with my pay check

[@lyndsitriplett1499]

Also what happens if you don’t use all your variable spending do you choose where that money goes

[@co7314]

Emergency Fund should be first.

[@kimberlyfewer8520]

Please don’t hate me for this.... I find it hard to watch someone who makes 10,000 a month. I know it’s true when people say the more you make the more you spend- it’s just hard to watch. I guess everyone needs guidance .

[@darlingdahlia1109]

A lot of people who grow up poor end up having habits like these when they get better paying jobs/get money from insurance or something. It took me years to stop overspending even after I got out of poverty. I just wasn’t used to having money and always spent it.

[@kimberlyfewer8520]

I know, that’s very a very good point . 😉

[@melanieshipley3133]

Just goes to show that how much money you make does not translate to how much many you have. Have to learn the foundational skills no matter how much you make!

[@MMyers-mh4jq]

Take into consideration he will have a paycheck coming every month for retirement through the military

[@tater4ever]

If they want to get out of debt quicker then they can bring down the personal Caterogies down

[@Birdmom1823]

💜💙💜💙💜

[@hannahheartsbooks6]

If the 3 year old gets $180 month for personal blow money! I want to be their daughter 😂

[@EllieofAzeroth]

Dang 180 bucks a month for the rugrat's spending allowance? Give her a dollar, she probably isn't going to know the difference lol

[@shilohmorris5527]

I wonder why they want to save for retirement when the army has retirement...

[@Nick-ei8lt]

Also I would like to add the military moves you so they don’t actually have to pay anything you can either choose household good movie free of charge they even pack your stuff for you or you can choose to move it for yourself in which case he use the government travel card and provide the receipts also when you do it that way you’re awesome entitled to a large chunk of change back. Next as far as retirement when you enlist into the army you can sign up for an IRA or thrift savings plan which most military members do they also offer something similar to a 401(k) retirement he’s already good for also she could’ve set up an IRA as well she just chose not to. So I’m really not sure what you mean by they need to save for this move and so they don’t have to stress about it when that’s absolutely not how it works it would behoove you to next time doing a military budget tippers know what you’re talking about and how the expenses break down. Also you can absolutely go to finance and get your pay period changed to getting paid once on the first of the month therefore you don’t have to have it on the first and the 15th you see we’ve gone through finance briefs every time you enter an in process a new installation so there’s been many times that the service member in this scenario has been told that. And yet I literally mean if he has been in for 15 years he has had to sit through several two hours long finance briefs that usually happen across a two day. Therefore anything finance related he will already know so I’m not entirely sure what you have to offer here.

[@lorrainejoseph2220]

We are saving for our kitchen. And we want to save for out home. And we are on a low buy year. And i want to save each year 600 dollars for her education. But we get child money from the goverment. And we pay the health insurance. We live in the netherlands. So We get a little money from the goverment. But my husband earns now a little amount from what he gets when it is spring. So he gets lets say 5000 and in the high season 9000. SO we need to pay some depts we have from the companies my husband buys his stones plants and platforms for the gardens. So we will see what we will do with the rest of the savings. I can start stuffing envelops within 10 weeks not sooner. So we have a hole in our monthly income. The depts are a small amount

[@michaelswami]

This family needs to stop the his and hers approach. They need to get together on credit purchases and borrowing. If they cooperate on these things, they will do better, I can assure you. To paraphrase Benjamin Franklin, they need to hang together or they shall surely hang separately.

[@silverbeowulf5601]

This is depressing..I will never retire and my kids will not be going to college..we don't spend 500 on food..we spend 150 a month some times less..my husband only brings home make 2,000..I dont bring home anything covid as me home..I and my son as crohns disease...none of this possible for us..we start 2021 with a car that refuses to be fixed and a heater the busted..we have be forced to live in a travel trailer because of a motorcycle accident.. our mess is hopeless and my kids will be paying for how stupid I am.