THESE ARE THE MOST EFFECTIVE BUDGETING STRATEGIES

In this video, I discuss different types of budgeting strategies, including zero-based budgeting, pay-yourself-first budgeting, the envelope system, and the 50/30/20 rule. I explain how each strategy works and how to choose the right one for you.
If you're looking for a way to take control of your finances, budgeting is a great place to start. By tracking your income and expenses, you can see where your money is going and make changes to save more.
Enjoy,
Coach Susan.
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Music: A Perfect Morning with Coffe 🎵 No Copyright Lofi Beats To Relax / Study To 🎵 Lofi Mix 2022

[@susan.wanjiku_]

Hi guys, I will never ask you to text or Whatsapp me for anything. If you see any such comment, even with the picture being mine, offering you guides and numbers to call or whatsapp, kindly ignore and report that comment. It is scammers and bots trying to get to some of you. The right channels to reach me are always linked in the description box, that is, my website and email address.

[@LilianKosgey-er1ho]

I need this template how can I get one

[@teacherwinnie548]

Hello Susan. If someone is self-employed, which criteria is used to determine their salary, or what percentage?

[@TheBudgetLady133]

Awesome video. I am in the USA and I use the one month ahead zero based budgeting method and I’m having great success with this strategy the bare bones budgeting method that you mentioned is awesome because I have very high savings goals. I can use this method during months that I have had Considerable expenses that were unexpected and as you were explaining this, I was thinking that this could be used on selective months of the year. I’m excited to implement this because I would fund less to all the other accounts that I budget with and focus on the one account that I need to Distribute money to. So thank you so much for sharing and I’m so glad I came across your video. I enjoy learning something new that I can use on my budget journey.

[@ssemandajohnb4078]

Coach Susan, you are doing a wonderful job. From the time i started following your guidance my personal finance management has continuously improved and i use the Zero balance budgeting strategy. Every shilling is assigned its work and for any expenditure i first consult the budget. Thank you so so much.

[@nasambuwanyonyi358]

Paying yourself first is paying into your future. This is amazing teachings

[@billionaire9105]

It's the best thing you can do

[@jelagatkoimur1038]

The way my life is structured right now, I need a bare bone approach for the next 18 or so months until all petty debts is paid and have a functional emergency fund, then I can pick up from there, God willing.

[@susan.wanjiku_]

The barebones budget is such an amazing strategy to get out of debt. I wish you all the best! You got this!

[@catherinechepkoskei4718]

Hi Susan, I am a beginner in investing. I opened an account and for my second deposit, I used the wrong pay bill and it went to a different product. I have tried to communicate with them but in vain. They did not include the amount in my statement. I have only done two deposits. How long does it take to transfer the money to the MMF.

[@godfreyomuke3154]

Quite informative and resourceful. Thank you coach

[@eunicendirangu4804]

Hi Susan kindly advise on how to budget for people in business. Self employed in a business that is still growing ie just the kawaida general shop in your home area

[@Graclyna12]

Hello dear ,you glowing ❤

[@susan.wanjiku_]

Aawww! Thank you! ♥️

[@billionaire9105]

I have been doing that for sometime now and wow now i have invested more than i expected......

[@draruleah4981]

I think i need to buy alot of envelopes and start envelope method immediately. Thanks coach Susan.

[@gichangifaith9689]

Keep those videos coming couch, since i started following you this year my financial life have really improved.

[@lennymureithi6213]

Hey! cant seem to download the template. please help

[@tloporomamabolo7141]

Hello, The currency on the budget tracker, is it designed only for Kenyans or can it be set to other nationality currencies?

[@donnetrose3132]

learnt something new with the bare-bone budget. Thanks for the great work.

[@teresiaakinyi3282]

To be honest, I thought paying yourself first is about "kuambia mwili pole"🤣🤣I have really learned, thanks Susan for your great insights

[@bilqis476]

😂😂 party after party 😂

[@carolinememe6748]

Thank you for the information. Thinking of blending the zero sum and envelope budgeting 😊

[@markmutisya2362]

Indeed, It is very helpful,,, Thanks for sharing.

[@williamwatitwa3534]

Looking forward to a review of the dhowcsd platform from cbk and how to best utilize it

[@susan.wanjiku_]

I will do this soon.

[@sarahmuzaki4656]

The zero sum strategy clearly makes you slowly become an impulse purchaser!!!! Then you start increasing on the black tax!!!!!!

[@beatricekamwere369]

Very educative

[@ericachebet3016]

I can't wait to come here with a testimony 😊,have learnt alot since i join this channel,God i know you've good plans for me🙏,be blessed susan

[@yakubgowon256]

Paying your self first is something am using and it's working well for me.

[@tracyketer3939]

Thanks

[@evanswanyanga9648]

wow ! very very educative coach. Keep up the good work.

[@Moratage_phyllis]

GOOD TEACHINGS GAL...NIPITIENI GUYS❤❤❤❤

[@normadee6078]

Best no fluff practical budgeting strategy. Thank you so much. You gained a new subscriber ❤

[@bettymulama8894]

Thank you so much for the information. Very helpful indeed.. However, the budget template is not editable or is it that am not doing something right?

[@humphreyodhiambo512]

i think i need a bare bone budget until december.

[@susan.wanjiku_]

Go youuu! It is an amazing tool to use during your debt freedom journey. All the best! 💯

[@danwanyama1557]

Glad that you're back,Jah keep you in good health, I appreciate the teaching,and am learning Pay yourself strategy,is the way for me Jah Bless

[@marynyambura6898]

Very informative.

[@mutaicherobon6550]

Am almost bgood with money nowadays becoz of Susan.Receive your flowers

[@PiusKosgei-gv7vd]

Please am your follower and seriously in need of financial literacy information for beginners

[@LolaBugzy85]

Zero balance strategy for me. Every coin matters with some savings that I have via standing orders every month.

[@teacherwinnie548]

Again thank you for changing my financial life. Nowadays friends calls me; Wueeh! Budget gal...

[@debbycoy7340]

Hi Susan, I purchased a budget template from your channel but didn't get it. Can you please assist. Thanks

[@susan.wanjiku_]

Hello, please email your payment confirmation to: [e-mail]

[@christianatwiine6028]

I will be using the zero sum strategy its very smart

[@Vincent.njenga]

Very informative. God bless yoh couch

[@liliankabui1721]

Great work Susan. ❤

[@susan.wanjiku_]

Thank you for watching. 🤗

[@miminatosha4888]

I'm very grateful. Now I understand that there are different budgets and where am at 😂 Knowledge is power for sure

[@abelnoowe5918]

Been following you for a while now. Much love from Uganda..

[@KomakechJerry-lb8ie]

Am gonna use the bare-bone and the pay myself first then the 60

[@jpwabob8149]

I feel like I should work with a combo.

[@terrynjoki3086]

Pay yourself first this is amazing 👏

[@sidneyrono1184]

Very informative indeed . Which are the best investing strategies

[@joshualangat5472]

Hi Susan. How can someone get in touch with you? I want you to come and share in our Men's fellowship.

[@susan.wanjiku_]

Hello, you can reach me on my email: [e-mail]

[@judynyakwama3307]

I have listened to almost all your videos and am still making same mistakes.. what's wrong with me.once money get into my account,it won't last 5 day's before it's finished.i have opened a Sacco account and am planning to put a standing order and see if it will help me.

[@kap849]

There is nothing wrong with you. Settings up automatic transfers on pay day to your savings/SACCO accounts is a step in the right direction. Remember you are not an expert, you are learning. Keep at it. It's been over 4 years since I started budgeting and I sometimes feel like I'm new to this, there's a lot of learning and unlearning to do. All the best!

[@sarahmuzaki4656]

👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾🌹🌹🌹🌹🌹🌹🌹

[@eternallifeznow3840]

Zero sum and pay your self first

[@MugabiJB]

The traditional 50/30/20 is better

[@humphreyodhiambo512]

where can i get the budget tempelate

[@susan.wanjiku_]

Here it is: thelegacyhub.co.ke/product/the-legacy-budget-tracking-template/

[@humphreyodhiambo512]

Thank you.

[@everlynegoro1237]

Is all debt bad? Please talk about good debt if there's such a thing

[@andrewkoech6477]

Thank you so much, have learrn a lot

[@lindamuthunga9056]

Thanx Susan for the gems. Stay blessed

[@zalbilly7159]

Pay your self first resonated with me

[@derrickokoth6858]

How is this template is paid for?

[@enockabuga892]

Nice content..keep it up Susan

[@KomakechJerry-lb8ie]

Wau wonderful

[@childofgod8365]

Happy you are back

[@lonahakinyi4615]

Hello Susan. How can one get the budget tracker once it's paid for ?

[@susan.wanjiku_]

It should be immediate. If you didn’t get it, please email the payment confirmation to: [e-mail]

[@lonahakinyi4615]

@@susan.wanjiku_ On it. Thanks

[@lonahakinyi4615]

Received my budget tracker! An eye opener indeed. I have never accounted for transaction charges , now I know better.

[@kimbis1487]

Amazing,