budget with me | may 2023 | zero based budgeting

hey y’all!
thank you so much for tuning in today, your continued support means so much! 🖤🖤🖤

give me a thumbs up if you enjoyed it, and please subscribe if you haven’t already 😊

💰rewards apps i use and love:

[missytemplet]

It’s awesome that you and your hubby work on the budget together and are on the same page. My hubby leaves the budget to me but then spends without taking the budget into consideration 🤦🏻‍♀️

[krystaljay]

YES!!! As soon as you said Mr. was being loud in the kitchen. I was hopeful he would purposely be even more louder! You guys are just my favorite!

[JasminAntonette]

thank you for being so transparent about your numbers! i budget for myself but enjoy seeing when it comes to a family budget + working off two incomes. love your vids!

[midwestbudgeting]

Great video. I was so ecstatic when I saw your budget sheet. I have not been able to find one that would exactly fit my needs. It has enough income and sinking fund spaces🙌😍Thank

[itsnotaboutyou]

I practice jiu-jitsu and was like when I saw that item in your budgeting list. Awesome that your husband and son do it. Such a great stress-reliever and helps keep us humble.

Keep up the great work budgeting!

[Rory]

when I tell you I CACKLED when you said "those of you that are OGs ... I mean OGs??? I just started my channel" hahaha you're personality shines through your videos haha
I discovered you a few days ago & have been binge watching your videos so that I'm caught up cause its truly helpful! Plan to definitely use your approach when I move in with my husband come August & we have to officially adult lol

[themomlifeco]

I enjoy these videos and happy you continue to have your budget with me in your content!

[alittleofitall_]

Oh is this the gym with the sauna you loved?! 🤣 that would be me- I would totally forget and show all our stuff 🤣🤣 love so much how y’all budget together! Thank you breaking this down like you have and showing us your process! 💚💚 it was awesome to see!

[ScatteredBudget]

A nice detailed breakdown! Very educational. Thank you for sharing. 💚

[Tischhy]

I love this video and all the detail you go into! This feels realistic and authentic to me. Could you squeeze things tighter? Sure…but the reality is that most of us have non-negotiables that other people see as optional, and that is totally fine if you are covering everything and making progress. You also have things in here that I feel like a lot of people don’t factor in that causes their categories to be overspent regularly. This is a budget you can stick to long term and not be miserable and is much more sustainable for people who aren’t in great shape but also aren’t in extreme situations. This looks like a real life, permanent budgeting strategy to me.

[williamwarren]

So on the 401k loan they only allow a payment in full to be made ( that’s the way when we borrowed we found it to be ) and yes it’s your last debt ( cause you are always paying it off) your making great progress and because you are paying off debt and following ( with adjustments ) the baby steps you will avoid the pitfalls of falling back into debt ! Glenda

[jvan]

Love your detail! We have three income streams. My husbands check comes bi-weekly and then we each have a monthly pension check. I just do three budgets and each one covers certain things. Again, great video!

[jessonabudget]

I think as we get older, we find out that the little nuances of sales tax, food tax, personal property tax, property tax, fees, subscriptions, etc., all get annoying because they sneak up on us if and when we aren’t paying attention. I just started cash stuffing at the beginning of April because we have personal property tax and vehicle registration (we just count it as registration because we can’t register our vehicles for the year unless we pay the PPT) coming up in June. I didn’t want it fully sneak up on us this year, but definitely not any year after this, as well. I love how tangible this method can be for someone who actually needs to see it. Great breakdown and explanation! Thank you for this!

[moneywithjustliving]

Good Morning, I am catching up on videos. Great job.

[CaroleenaCardoso]

newly subbed, excited to see more content! :)

[xpbhtks]

What are your thoughts about charging groceries on a 2% cash back card and then paying off the balance right away. Or using this method in general?

[dy]

If I had credit card debt, I wouldn't be budgeting for lash lifts and household decor. Your budget is detailed but excessively so. Paying off 2k on your visa in a month is awesome. But if you denied yourself a few luxuries, you'd be able to make much more significant strides. Think of the interest costs you'd be saving.

[mrsbs]

Hello, neighbor (I live in FW, I saw on your Etsy shop you're in Dallas) LOL!! Have your thought amount paying your car insurance 6 months at a time instead of monthly so you can get a discount? :) My hubby & I have separate finances, I really enjoy joint budgets :) I'm paid monthly, so super easy budgeting on my budget!

[blackjag]

Wow, your groceries and Target are pretty high. Is there anything that can help you bring it under 1, 000? That could probably help attack the debt.

[freeflybudgeting]

Hello new subbie ❤❤❤❤ it’s so nice to meet you