Money Morning Routine | Food Budget + Spending Update

Money Morning Routine - January 20, 2025

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One of the ways the cash envelope method works is when you run out of cash in envelope, you can't spend any more. That's the rule and it's there to help you with overspending.

I also wanted to note that it may seem like my morning routines take a long time or a lot of time. It doesn't. If I wasn't recording or explaining my steps, I only spend about five minutes a day on my finances!

Fetch Rewards is the app I use to turn my shopping receipts into free gift cards. Sign up for free with my referral code (WVQFM) and we'll each earn points when you snap your first receipt.

ABOUT ME

Kumiko Love empowers women everywhere to regain control of their financial lives. An Accredited Financial Counselor with over nine years of experience in the finance industry, she founded The Budget Mom, a community of millions of women on a path to financial fulfillment.

She's also the creator of the wildly popular Live Rich Planner® and Budget by Paycheck® Workbook. Love has been featured on Good Morning America, the Today show, CNN, CBS, ABC and in USA Today, US News, World Report, Huffington Post, Money Magazine, Parents Magazine, the Washington Post, and Real Simple. She lives in Spokane Valley, Washington.

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[buhaysawi]

Hi mate so excited today just reached my goal of 400k since June2024 to Jan 2025 I thank GOD for the life and wisdom shared.

[alexisballard]

The clarity and peace I’ve gotten from just a week of tracking spending is what’s keeping me going, I’m not making huge progress, but I’m building a good foundation of habits for when my income reaches its fullest potential, thank you Miko!❤

[arose]

Where does the money go left over from cash envelopes? Does it roll over? I cant seem to find out what she does with it

[julieb]

Great video. Have a day off and will be working on filling in the calendars ❤

[karika]

Love you Miko!! You are such an inspiration for me❤

[LatinaGeekVlogs]

Ong how on earth do we only have 11 days left of January?

[jackiebowen]

Thanks for another video, Miko. They motivate me to stay on top of my BBP workbook.💚

[deliskawilliams]

Curious. how much do you set aside for your food budget monthly?

[cg]

Good morning 😊 I am finding myself a little overwhelmed with my system, more specifically the cash envelope area. I love this method, however I have compared it to other systems where they group a lot of categories together. Besides awareness, what benefits might you all share to be specific with cash categories? TIA😊🙏🏾

[typicaltoni]

Can i ask. Does chris ever go shopping without you and if so how does it work? Asking as we need to move over to money as my husband is awful rn

[wendyfernandez]

I got the book had it for a few days never used it. I realized this method is to overwhelming for me and I was told NO refunds.. what a rip off

[libbysworld]

Hi Miko. Realistically, maybe it's time to increase the food budget to $1500? You spent about $46 a day, this month. If you prorated that it would be closer to $1500. Are you thinking about increasing? Food prices are insane and with the $5 challenge maybe that makes more sense? You didn't have that much dining out really, so I think it's increased prices. You are training for some pretty intense foot races, maybe you should take that into consideration? If you are left with extra after a month or two, put it into a savings or readjust. But maybe it's time?

Have a great rest of your day.

[punambaghel-jxwj]

i kept seeing people in youtube comments talk about Queen Abundance Secrets by alex lane, and i didn’t think much of it at first. it felt like just another one of those manifestation books that people hype up. but eventually, i gave in and decided to check it out. honestly, it’s not what i expected. it talks about using your feminine energy in a way that actually makes sense, and i started seeing things differently. i didn’t think it would be worth it, but it really was.

[SakurAnsari-bpxh]

so i kept seeing Queen Abundance Secrets by alex lane pop up in youtube comments, and i kinda brushed it off. i thought it was just another “think positive” book, but eventually, i gave in and read it. it was way more practical than i expected, and it got me thinking about how i use my energy to bring in what i want. it’s not flashy or anything, but it’s worth a look if you’ve been feeling stuck.

[Mani-sox]

not gonna lie, i thought i was over all the manifestation talk, but youtube comments kept bringing up Queen Abundance Secrets by alex lane, so i finally gave it a read. it’s not like some magical fix or anything, but it breaks down stuff about feminine energy and abundance in a way that just clicks. it’s one of those books that sneaks up on you, and you’re like, “okay, this actually makes sense.” i’m glad i gave it a chance.

[rameshwarpawar]

so i kept seeing Queen Abundance Secrets by alex lane pop up in youtube comments, and i kinda brushed it off. i thought it was just another “think positive” book, but eventually, i gave in and read it. it was way more practical than i expected, and it got me thinking about how i use my energy to bring in what i want. it’s not flashy or anything, but it’s worth a look if you’ve been feeling stuck.