How I Budget my Paychecks | Budget With Me 🤑 | Aja Dang Budget

I'm Aja Dang and this is my Paycheck Routine. This is my routine every time I get paid: my budget technique, how I save, how much I save, etc... I've tried a few budgeting techniques (zero-based budget, cash only, etc) and have found I budget best with some money flexibility so I combined a 50/50 budget with Value-Based Spending. Not the best combo for someone still trying to fix their finances but remember, I earned my right to be financially fluid! Earlier in my financial journey, I did Cash Only system bc it was the best way to prevent overspending.

Use *my method as a guide, but make a Paycheck routine that's right for you and where you are in your journey.

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[jerlinthangam]

Almost a year ago i found your channel, that changed everything, now i am more financially stable and accomplishing all my goals .I never thought I would to be financially strong and secure, thanks Aja ❤️

[jerriandfriends]

I remember doing my googles to find women of color talking about finance in a way I understood and didn’t feel gross or patronizing to me as a young Black woman. Since finding your channel, I cannot say how grateful I am for your videos, your honesty and transparency, and your voice in this space! I found your channel going into my senior year of college and you honestly have influenced so much of my approach to finance, freelancing, and really just life as I’ve transitioned to these damned “early 20s”. Thank you for being you and for this video! I just landed my first big girl salary job and start in a week; this video is super timely! I’ve been using an adapted 50-30-20, with about 30% on expenses, 50% towards debt/savings (trying to knock out student loans + cc debt), and 20% wants

[natsasmr]

I'm 22 and have started paying off my debt! I've been using the cash budgeting and zero-based budget system for a couple of months and I already paid off 2 of my major debts! Having a visual of where my money is going and how much I have to spend gives me flexibility but also disciplines me to prioritize those debts first and treat myself second

[NancyLiliG]

UNRELATED: Just wanted to let you know that I've officially added YOU to my vision board for 2022! I hope that's not creepy! Want to replicate your abundance and attitude in my life. Ty for being you and shining bright!

[jujubeaning]

I don't know why but this video was so nostalgic for me. I started off my budgeting journey by watching your videos two years ago. Now, I'm consumer debt free and about to start my own channel. All thanks to you! Thank you 💕 Great video as always!

[keelyroaart]

I love that you leave space for your creative side in the value-based planning areas you mention. Budgeting and accounting can feel so rigid and I think it takes a woman like Aja Dang to show us where we can play. Fun video, Aja. 💖

[choneylhamo]

i love how put-together you look in your videos!

[lifebytama]

when you say you dont do zero based while i'm loving the zero based technique, i feel a little bit discouraged but i LOVE it when you keep saying that we dont have to 100% follow your routine because it might be not working for everyone. thanks a bunch for this!!

[wendyballet]

The video I didn’t know I needed!!! I’m self employed and this was very helpful to see the different ways to split up your money! Love it!

[Redservasian]

I love how you’re able to articulate your budget and spending.

[MishShelly]

You explained your budget routine SO WELL. I'm 21, just graduated, and getting ready for the new year. This was so helpful, thank you Aja!

[xlpzten]

I love your channel and have learned so much from you. I also really appreciate how you show when youve made mistakes and normalized it and kept moving forward, thank you for being so open and honest and for not hiding things to make your channel appear perfect or fake. You are genuine and its so great and refreshing!

[DrJessicaLouie]

Great overview of your method Aja! I started with 50/30/20 and have now moved into saving 50-80% of my income on my financial independence journey. I also resonate with your house downpayment fund goal - the market is well into the 7-figure range for most areas of LA.

[califlorican]

I realized a while ago that I don't enjoy tracking every single penny spent and which category it belongs to. So now I just estimate what we need, put the rest towards savings goals/sinking funds, and the rest is available to spend as we like. If we do go over, I just pull from a sinking fund and I don't make a big deal out of it. Thankfully we're at the point where we can afford this method vs. paying attention to every dollar.

[beingilluminous]

I love how you explained these systems and literally how these systems can be used in a "step ladder" formation, the zero based is critical when a person can't get a "hold" of their money (like herding cats), and the 50/30/20 is great when a person is living at or above their means, and then, like you mentioned, how it moves onto the value based system.... I love logical "progressions", and budgeting has been a challenge my whole life due to big wants and scarcity issues.... I decided that 2022, I needed to get free of a risky joint bank account situation and get myself clear and focused-this gives me something "more" to graduate too-a day of just buying/investing based on values and trusting I have enough already invested elsewhere, to allow that flow.

[christineee]

You don’t know how excited I get when I see a notification of your videos!! Thank you for explaining everything so thoroughly 🤍

[trinhannie]

My MSTRPLN planner just arrived! I'm so so excited to get going! Thank you so much for creating something so incredible ❤‍🔥

[mariahonorata]

Thanks Aja for making budgeting, saving, fun, I honestly dreaded talking about and dealing with my finances. But your videos make the conversation and the the tasks not as intimidating anymore. I actually look forward to seeing how I spend and save my money. Happy new girl hope you have a prosperous new year. Many thanks for all the guidance 🙏🏽🥰

[SweetnSourqt]

This was definitely helpful and understandable (especially because you broke everything down AND did a detailed recap at the end). Thank you!

[marieobligacion]

AH THIS IS SO GOOD! This should be curriculum at Really important