July 2019 Paycheck Budget Overview

Today, I am bringing you with me on my budgeting journey. We will be going over the paycheck that I received on July 1, 2019. I am a paycheck budgeter, which means I create a paycheck every time I get paid.

Before, I got paid on the 5th and the 20th, but now that I am self-employed full-time, I get a paycheck once a month, on the first day of every month.

In this video, I walk you through every step of my budget and give you the details into what it looks like to use a successful realistic budget is someone's every-day life.

I have been sharing my real budget for over a year on Instagram, but only recently started sharing my budget on YouTube. By sharing my actual budget, I hope to show you the process and steps behind paycheck budgeting. I also hope it helps you understand the psychological decisions behind money management.

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[KatieDclark]

I can’t wait to get paid on Thursday so I can do my budgeting! I have over $100, 000 of debt and I am going to pay it off with your

[carolslavens]

Miko, I am only om my "second paycheck" into my new budget and already I was able to pay an extra $225 towards debt! Budgeting by paycheck, using the calendar and highlighter method has made ALL the difference! All my money now has a purpose and a place to go. I can't wait to see my progress and continue my journey, many thanks to you!!!

[candyocean]

I've begun to track my spending this month so I can begin to budget next month. I'm so excited.

[Practice_Kindness-st]

For many people desperately wanting to get out of debt, you're a prime example of HOW to budget and how to stick with it! Setting money aside specifically for fun and personal care are great rewards as you journey on. I like the fact that you didn't go nuts over-spending or made exceptions month after month when you were still in debt. You're one of the few YouTubers that sets a No Spend goal BEFORE the month begins and I think that can be a great game changer. I always look forward to watching your videos because I know you're making great strides with your financial goals! Go Miko! Go Miko!

[rachellamb]

This is the most in-depth budgeting video I've ever seen, really well organized and breaks everything down step-by-step. I've been working to tighten up my finances and this is so helpful! Usually they just say, "create a budget" and then move on to the next thing. Thank you for posting!

[MyLiveShowVault]

For me, yesterday was my “no more credit card debt”🎉🎉🎉 thanks for being such an inspiration Kumiko ☺️❤️

[bree]

OMG that book is perfection, ever time I look for budget system it always has too much to fill is just right and straight to the point, love love love!

[placebo]

I played off all my debt last year but I havent been saving what I should have since then so i am sooo buying this

[chiknlittle]

I'm on my first month of budgeting, and I've already put $200 extra to my debt. I'm thankful you're so transparent with your budgets; it's helpful to see the actual dollar amount and to see you truthfully using your method. I'm binging on everything you post. THANK YOU.

[dawnalynn]

I am so excited to start this new journey following you. I just want to say thank you for the resource library for some of the things we can print out. This really helps to get me started on my way till I can budget in enough to order you products and I can’t wait..., I guess I have to, but so far I am very hopeful.
I have started my first two months of calendar budgeting and am budgeting to pay off my two lowest credit cards... yeah!!!
Thanks you again!!!

[mars]

I came across your YouTube Channel not to long ago and it’s honestly changing my life. I have been struggling with my finances and you’ve inspired me to do what I’ve never been able to do! Thank you so much for being a great counselor/teacher ! This is helping so much

[sarahcampbell]

I am an avid planner/budget planner/ meal planner, and I thought I’d recommend Walmart Grocery Pickup! I don’t pull out cash for groceries anymore, because I do it all via the Walmart Grocery App😍 I am a mother of two young kids- when I took them to the grocery store, not only was it a hassle, they (and my husband) loved to throw so many extras into the cart that were not on my list. So by using Walmart’s grocery pickup, I order it all on the app- I know exactly how much I have to spend per week, I see how much I’m spending before I check out, and I get exactly what I need😃 It’s saved us so much money, and I don’t have to pray I’m under budget when I check out anymore😂 Sometimes they are out of some of the items or they’ll exchange for similar items, but overall it works amazingly!😍

[almarosa]

this is one of my favorite videos!!! i literally take notes and rewatch it just to make sure i am doing it right!! i am still trying to learn how to close my end of the month budget properly... the adding everything up is easy...its everything else that i am struggling. i will get it... i dnt do cash envelopes..scares the heck out of me carrying cash...ever since i was robbed i just cant bring myself to start carrying cash... took me a year to sort everything out.

[nancyjacobs]

Love how thorough your explanations are!

[IHeArTrOcK]

You can also make these spreadsheets on word or excel- there are templates for it. Just letting people know so you don’t feel like you can’t budget for a budget journal to fix your current budget situation.

[iriamonge]

Oh my, love this quality and seeing you showing us your method 🌺

[cwj]

I think you should be on NBC CBS and ABC talking about what you do, finances are so important and it is my understand we stopped teaching basic understanding of this within the school system because everyone has to go to college. Side Note: We bailed out the Auto Company's why not bail out Students Thank you again for a wonderful video

[grace]

I just found your channel and I LOVE it!! My kids are totally on board with your video game envelope and I am so excited to use all my new pintables! I just need to budget for new ink cartridges now....

[MrCheeru]

Thanks for being such an inspiration! 💕 Can’t wait to get rid of my debt! 👊🏼

[elisaroa]

Lovingggg the whole new set up! Been looking forward to it! Thank you so much for sharing! Believe me, it has been life changing for my family!!