YNAB Budget With Me | September 6, 2024

First paycheck of Virgo season got me like.....
Fall is when our lives tend to get REALLY busy and we are just coming off the busiest our lives have ever been.....what the heck is about to happen?!

[@justfinance3362]

We have the goal to hit 1,000 subscribers in 2024, so please like, Subscribe, and comment! We are over three quarters of the way there, and any money made from monetizing this channel is going right to….you guessed it…..the student loans!! Ways to support the channel: If you want to help support our student loan or KZbin journey financially, the website “Buy Me A Coffee” is the easiest way (and we are always eternally grateful!): www.buymeacoffee.com/justfinance Marcus by Goldman Sachs is the High Yield Savings Account I use for all things long term savings- it has served me well over the years! If you are in the market for a new HYSA, we can both get a boosted interest rate if you sign up with my referral link: www.marcus.com/share/KAY-3V2-2PB7 YNAB (You Need A Budget) has truly changed my financial future. If you like what you’re seeing and want to give it a try, sign up with my referral link and we both get a month free if you subscribe after your 34 day free trial: ynab.com/referral/?ref=CFR0kB_H7k_-9Jai We use the Future Card for our transportation costs, and it gives cash back for environmentally friendly purchases. As New Yorkers who use public transit often, this has been amazing! Using our referral link, we can each get $15 cash back: getfuturecard.com/22242726252124 Thank you for watching!

[@lizvisage]

I do a weekly filter view of things I need to budget weekly that is after my bills. ❤

[@justfinance3362]

I am going to make this change TODAY. Hopefully it will help us remember the things that seem to get lost in the sauce

[@meesunuh6943]

I was just about to write something like this!

[@akknaus]

I was only 9 min in and headed down to the comments to say the same thing.

[@navigator_nikki]

Came here to say the same!

[@TheGoodMidlifeCrisis]

I love the idea of making a "Weekly" section, it makes sense to my brain and is super similar to how I do mine too. I hope it helps! I was super excited when you remembered Wyatt first thing 😊Enjoy your weekend and all the football!

[@justfinance3362]

That was so funny, I am watching your budget from yesterday and then you popped up on my phone 😂😂 I made the weekly focused view and we are going to see how it goes!!

[@QTARUBA]

Ahhhh... definitely, you guys are my fav!🥰

[@justfinance3362]

So sweet!!

[@NanetteLoves2Budget]

Great video! Love seeing your progress, not to mention your enthusiasm on paying off those student loans. What a fabulous happy birthday to YOU! Looking forward to celebrating with you next Friday! Happy weekend Coach Kayleigh and Shea! 😉 😜

[@justfinance3362]

Hahaha coach Kayleigh is practicing optimism!! I never thought I would be having fun paying off student loans....what kind of budget nerd thing is that?!

[@ticondy]

You can also do “every week” as a filter view.

[@justfinance3362]

DOH! So much easier than rearranging our entire budget!! Great idea--thank you!!

[@jennivanhart3016]

Use Focus Views to give you a spot to list all those weekly things so you don't have to think about it so hard every week. Moving categories (for me) gets a little nutty, because you end up being used to where they are even though you hunt and peck for them and they are so nicely grouped.

[@justfinance3362]

We definitely are not utilizing focused views as much as we could be, I am going to go rearrange the budget right now and see if that helps out next week!

[@Courtmp]

I'd love to see the weekly targets for those expenses! I was just thinking of doing this myself after watching a YNAB video the other day!

[@justfinance3362]

I think we are inching closer to our perfectly optimized budget!! Starting with a 'weekly' focused view and seeing where that takes us

[@williamwarren9448]

Yeah … the weather is good in California but there is a reason we moved 🎉glenda

[@justfinance3362]

The weather is good but it was 115 degrees in my hometown for multiple weeks this summer.....I am FINE without that!!

[@PedroBrown]

Select everything you want to snooze and use Shift+Z (keyboard shortcut)

[@justfinance3362]

WHAT!!! That is such a great tip, thank you so much!!

[@NanetteLoves2Budget]

Mind blown!🤯

[@rollingrejuvenationrr1342]

I live in Kansas City! It’s wild having the Chiefs and Taylor Swift here. Got lucky last night. But a great game with 2 great teams!

[@justfinance3362]

That game was a ride from start to finish!! A great way to start the year!!

[@coopoku1738]

I really think you guys will benefit from a budget set up by date rather than category. Ie things with scheduled payments in one place and stuff you need to add to every week in the same place. So glad for you nearly paying off loan 15. I think you'll be extra motivated taking bigger chunks off the next biggest loan as well. Looking forward to next week! 🎉🎉

[@justfinance3362]

Yeah, I really feel like a full budget revamp is in order....maybe I will play around with it on a secondary budget and see what is possible!

[@coopoku1738]

@@justfinance3362 great idea!

[@GenX-Budgets]

Great video, love the plan to get #10 outta there. Go Eagles and Go Lions.

[@justfinance3362]

Lions are my pick to win the Super Bowl this year....but don't tell the Colts I said that!

[@GenX-Budgets]

@@justfinance3362 shhh, your secret is safe with me. 🩶💙

[@angeladeborapontororing2435]

you're doing great! excited for the birthday present - debt payoff for next Friday!!!

[@justfinance3362]

someone told me once that I would know I was an adult when I was excited to get clothes for my birthday.....what does it mean to be excited to pay off debt for your birthday?? 🤣

[@caitox]

Great budgeting guys! I try to plan ahead to avoid overspending as well.. It's hard to find the line between making cuts to the budget & being realistic about your spending! Also hell yeah, when you're married sometimes having an empty house to yourself is a nice lil treat 🛋. Can't wait to see SL 15 bite the dust next week!!!

[@justfinance3362]

Like come on, sleeping in the middle of the bed is NIIIIICE and I won't lie and say it's not!!!

[@angeljuarez93]

🤣🤣🤣 I got my eye on you 😂 I would put money on your team to win 🤣 cuz our team is not that good lol. They’re ok but we’ll see lol. I loved when Shea was like “yayyy” & then you’re like not yet, 2nd time yayyyy, nope still not yet lol then she very excited to get her yay in!! I’m over here eating fruit loops when Shea says “very demure, very mindful” 🤣 I just have to say I almost spit my cereal out laughing!! Since Shea will be out of town this weekend, it’s perfect timing next weekend for your birthday to go & celebrate getting that loan GONE!!! Next weekend we’ll be in San Antonio for a party, so I will definitely take some shots to celebrate for y’all!!! ❤😊❤ See yall soon!!!

[@justfinance3362]

It will be just like we are partying together!! Shea is a fan of pickle backs, so we'll do a few in your honor!! Shea thinks the Texans could go all the way this year, but she just loves CJ Stroud, so I don't think she's right but the season is young!!

[@angeljuarez93]

@@justfinance3362 AWESOME 🤩 They might have a good chance this year, we’ll see!! Yessss, one big party to celebrate YOU & that loan being gone!! Just in time for your birthday!! You had a goal for it to be by the end of the year and y’all surpassed it by MONTHS!! So proud of yall!!! ❤️

[@silver7628]

I'm really waiting for you to smash this 15th) keep going!

[@justfinance3362]

T- 7 days!! It is COMING!

[@elliehanson8853]

It *was* a great game! I'm 100% a Chiefs fan but that little slow down by Likely to let the defender just pass in front of him was a thing of BEAUTY. What about just listening to the commericals and saving the $13 on Spotify each month? You could have left all your categories as is and saved that $. What's the big deal for commercials?

[@justfinance3362]

Shea has had that spotify for a while....I get it free through work, maybe we can just share my account! Definitely something to look into!

[@williamwarren9448]

I think you guys work well together … it’s really hard to budget ! That’s why people don’t do it ! 😂… it will be better once the SL get gone !!! Then you guys can breath easy and NOT sweat an extra pass ! Or a much needed bottle of wine ( drink up that left over stuff first haha ) and happy B day ! Glenda !

[@justfinance3362]

Thank you Glenda!! I forget how just by keeping track of our budget and taking baby steps--we are doing hard things! We got this! Thank you for all your encouragement ❤️

[@YourRav]

Buffy in the house!!!

[@justfinance3362]

You know it!! They were named that before we got them and it was so perfect we couldn't change them. Even though personality-wise Giles is really more of a Xander 🤣

[@MindyTunnell]

What kind of things do you guys have on your Amazon subscribe list? I've recently put garbage bags on that list cause the deal is pretty legit.

[@justfinance3362]

We have cat food, cat litter, air filters, magnesium gummies, b-12 gummies, and some digestive enzymes. They all come at different intervals, but the deals are way cheaper on Amazon than trying to buy these things at stores near us. It is WILD how much cheaper it is for cat things especially.

[@codegirl007]

TUESDAY LOAN PAYOFF?!?!?!?!?! :)

[@justfinance3362]

Unfortunately I have to wait for my next paycheck on Friday for our regular $300 to come in :( I can move some but I don’t have Thaaaaat much hiding 😂

[@mirla838]

17:35 DO IT!!! 🤗🤗🫡👏 🙌 👌 🗣🗣🗣

[@justfinance3362]

I'm gonna!!!!

[@MindyTunnell]

Curious how the "weekly" filter looks for everyone.

[@justfinance3362]

I'm going to try it out next week and see how it goes!