YNAB Budget With Me | January 31, 2025 Budget my paycheck

[@justfinance3362]

Want to support our journey to Financial Independence? Here’s how: ☕ Buy Me a Coffee: Your support means the world to us! If you’d like to contribute to our student loan payoff or help us grow our KZbin channel, you can easily do so here: www.buymeacoffee.com/justfinance 💡 YNAB (You Need A Budget): This budgeting tool has completely transformed our finances. Ready to take control of your money? Use my referral link to get a 34-day free trial, and if you subscribe, we both get an extra month free! ynab.com/referral/?ref=CFR0kB_H7k_-9Jai&sponsor_name=Kay&

[@AverysMoneyMoves]

Really enjoyed hearing more about Shea’s theater job. I can see why they rely on her a lot, she can do a little bit of everything!

[@justfinance3362]

She is a superhero for that theatre for sure. She’s also taking some workshops this year to learn ANOTHER THING. She can’t be stopped!!

[@committransaction]

Ladies, it is a pleasure seeing you being flabbergasted by your own success with this month ahead and student debt journey! Congratulations! I would love to have more frequent paychecks, but here in Germany a normal job gets you paid once per month. I guess this is why I like watching when you assign your dollars to current and future life.

[@justfinance3362]

Getting paid once a week is one of my favorite things about living in NYC. We appreciate having you here to get your budgeting fix!

[@noodlenomics]

Oohhh I like the idea of a Grocery Restock category for those larger purchases since they aren't weekly things :) I am going to try the same going forward!

[@justfinance3362]

We love it!! We used to budget 125 a week for groceries, but then we would be so bummed when one of those large purchases blew our week. So now it’s 100 a week for regular spending and 25 a week for restock. Zero changes to amounts, just how we look at it!

[@lesleybirch1414]

Yes I added that to my YNAB budget after seeing it here!

[@evangelineeldridge5807]

Kept refreshing your page waiting for your Friday video

[@arubianQT]

Me too

[@justfinance3362]

You're the best! Hope you enjoyed :)

[@akbritn]

You ladies are setting yourself up for great financial success and you are starting to get a taste of what this will look like. It will be so worth the grind when you get there! Great content!

[@justfinance3362]

Thank you so much!! Feeling so grateful to see the fruits of our labor :)

[@chanelpinnock8904]

Y'all are CRUSHING IT!

[@justfinance3362]

Thank you!!!

[@caitox]

Seriously you guys are CLIPPIN. Well done! 👏🏻👏🏻 Also, starting a petition for you guys to start using an intro to the student loans portion of each video, using the original clip of "Oh no! Our table! It's broken!" because that would make me laugh every time 😄

[@justfinance3362]

Hahahaha that is a GREAT. IDEA!!

[@rosstheboss100]

What an exciting video and month! Loved when you were "STILL NOT DONE"! I enjoy watching your journey to FIRE! Please keep up the hard work. Yours truly, Random KZbin comment

[@justfinance3362]

Thank you so much!! It’s so fun when the little steps start to add up :)

[@jeantesc812]

Yeah!! Look at all that green in February!

[@justfinance3362]

It is so wild to see!!

[@clairebailey555]

Well done on the rollover amount, and I hope you both have a lovely week.

[@justfinance3362]

Thanks so much! You too!!

[@jennivanhart3016]

A fun video! Watching you geek out was a delight. I had fun with my budget today, hubby got a small pay raise this year, AND they gave him backpay! Wahoo, and so we had a lump sum to allocate. Over coffee hubby and I decided about where to put it, what to boost - auto repair, home improvement and big adventures were winners. I also gave us each a little pay (fun money) increase. What a day to be alive and YNAB'g! #budgetnerd alert!

[@justfinance3362]

Oh that sounds like the absolute budget nerd DREAM! Congrats on the raise and especially the back pay!!

[@emissjayiss]

Amazing! What a treat of a week!

[@justfinance3362]

An absolute blast of a budget close out honestly!

[@GeekyLifeSavings]

I totally feel you on not having enough time to get your work done because I'm in the same situation at my job. I'm developer lead on my team and they're always reaching out to me for help. I love my co-workers and appreciate they value my opinion, but it doesn't leave me with time to get my own stuff done and I constantly feel behind 😂 Congratulations on your progress for your month ahead and student loans though! That is so exciting 🎉

[@justfinance3362]

Aaaaabsolutely all that! I’m also trying to develop into my next role so it’s stretch assignment after stretch assignment and I just need one quiet week!! Thank you!!

[@GeekyLifeSavings]

@@justfinance3362 wishing we both get a quiet week then 😂

[@chrisbranham1608]

Great progress!! Oh, the green in February is so satisfying!! Congratulations!!

[@justfinance3362]

It really is! I’m still kind of in awe!

[@angelapontororing3552]

hey! great to see the month ahead progressing well!! you forgot to move the $100 in emergency savings to the month ahead fund though... 😁

[@justfinance3362]

We ABSOLUTELY did! I caught that when I was editing! I moved it into February and covered Medical Dental and Vision sinking funds :)

[@debratakagawa4764]

You 2 have so much fun doing your budgeting. It makes it very entertaining to watch. Getting ahead will give you more choices for funding categories.

[@justfinance3362]

I genuinely look forward to it all week! It is fun!

[@kano0794]

What an awesome video!! So excited to see how great your month ahead is going. Even though all months won’t be quite like this, it’s exciting to see them when they are! 🎉

[@justfinance3362]

I have to keep reminding myself it’s not always this easy, we were just too busy to overspend this month 😂

[@kano0794]

@ I hear you, the first half of January I had a bunch of shifts and you could tell in my spending… and then the second half happened 🤣

[@thefreespiritlife4214]

I absolutely love watching how excited y'all are at the month ahead fund. I will say I got an email a little while ago saying that interest was paused until September? Might want to look into that. Of course, I could be pulling that from something completely random lol. I definitely think you can reach your student loan goal for this year!

[@justfinance3362]

Oh helllllllll yeah. I take everything we are hearing with a grain of salt but I really think it’s going to be a while. Cannot WAIT to see how far we can get!!

[@PivotingPennies]

Shea does seem a little grumpy to me 😜 you’re getting closer and closer to being a month ahead! Ive loved watching your journey and can’t wait to see how far you progress this year!

[@justfinance3362]

lol right?? And it is so so fun, I can't even believe how far we got!

[@hollygriglio5722]

Happy Friday! Amazing success this week!!

[@justfinance3362]

Thank you so much!

[@GlendaWarren-f1n]

Do you guys have like a Nextdoor Market place to watch for an entertainment stand ? Sometimes you can. Find solid wood ( eek 5 floor walk up ) at great prices just cause people don’t want it ! Glenda

[@justfinance3362]

Absolutely! We are huge fans of our local buy nothing group-that is actually where we got our coffee table!

[@lesleybirch1414]

Great job on the month ahead and student loans!

[@justfinance3362]

Thank you :)

[@money_please_99]

If you haven’t already, could you please do a video on how the both of you combined your finances legal-wise and on YNAB? Did you keep your individual checking accounts or did you open a joint checking account after you got married? I’ve been using YNAB for 3 years and now that I’m engaged, I want to include my fiance’s accounts on YNAB so that I have a holistic view of our finances as we move towards getting married. I’m looking for advice on how to approach this part of finances :)

[@justfinance3362]

Sure thing! I don’t think we’ve done a standalone video on how we did that, happy to!

[@emw584]

I look forward to this every week! 🩷

[@justfinance3362]

that is so awesome, thank you!

[@beckatt710]

Thanks for not lying to me 😂 I control z'd today and I think it removed my targets instead of snoozing so I'll try the shift z going forward. I feel you on the loving being that person but it makes it so hard to get anything done!

[@justfinance3362]

Oh man-I still need to check out all those other keyboard shortcuts too!! And yeah, it is awesome to be so valued but also my brain is absolutely fried by the end of the week! That is why our budget videos are always so silly, I think 😂

[@MindyTunnell]

Hellllllooooooo, happy Friday!!

[@justfinance3362]

happy friday to all!

[@laurenpruitt4572]

Love your videos! 🎉

[@justfinance3362]

Yay! Thank you!

[@kirstenjreed]

Hello and happy Friday!

[@justfinance3362]

hello!!!

[@GlendaWarren-f1n]

Wow 🎉doing so good ! And yes I am with you if I don’t transfer it I will forget and like you ! I hate to lose interest … Glenda

[@justfinance3362]

Even if it’s only a day or two, I still want it!!

[@greenlantern1986]

Covering overspending without us? Boo! To be fair to Shea - a cat could definitely smack that unsheltered PS5 any minute now. Better find it a safe home.

[@justfinance3362]

We have it attached to a stand to provide a wider base and help avoid that, but we for sure need a more secure and long term solution for it.

[@r3b512]

I"m not sure in NYC if your power company does a Average Monthly Plan where it sets your budget bill up based on the average of your last 12 months of electricity bills. That helps keep me on track.

[@justfinance3362]

That is essentially what we are doing just within our category instead of through the power company! We looked at our average 12 months of spending and budget that every month :)

[@r3b512]

@justfinance3362 Awesome!

[@kaylin7389]

I think you forgot to pull the $100 from your emergency savings for the momth ahead.

[@justfinance3362]

You are absolutely right-I noticed that when I was editing and pulled it into February and covered Medical, Dental, and Vision sinking funds!

[@MindyTunnell]

In dollars.

[@justfinance3362]

a classic

[@BlueScarob]

Why not buy toilet paper at Costco? Cost $20 and last us for about 4 months!

[@justfinance3362]

Our NYC Costco only has one kind and it’s an “ultra soft” which is NOT our preferred kind 😂

[@StephanieHana69]

Well done ladies! Very well done! That said… one small piece of constructive criticism… for someone on a health journey, who is looking to lose weight, and in particular looking to reduce her future cancer risk… I can say, unequivocally, based on over 30 years of experience in the field, “upping your booze budget” is absolutely the wrong move. I’m not telling you to abstain entirely (although, that would be radically healthier)… but more moderation rather than less, is always a sounder approach when it comes to mitigating risk.

[@justfinance3362]

You aren't wrong! We upped the budget to match the spending, but definitely weren't happy to see the total number, which is why we are working on "under spending" the target!

[@StephanieHana69]

@ Good for you! My comment wasn’t about $$$, but rather about volume… but moderating both always helps. Keep it going ladies, you’re doing great!

[@GenX-Budgets]

Thoroughly enjoyed this video. Seeing your month ahead get funded plus all of the extra to student loans. Thanks for answering my question and Kaleigh playing the part of me asking you questions within questions.💚🩷

[@justfinance3362]

I was trying to get us down to the juicy details!! Hahaha, always happy to answer questions :) have a great weekend!!