PAYDAY ROUTINE | HOW TO DO A ZERO BASED BUDGET | DETAILED*

PAYDAY ROUTINE | HOW TO DO A ZERO BASED BUDGET | DETAILED*
#zerobasedbudget #paycheckbudget

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✨BUDGETING TOOLS I USE✨
▶️ The Budget By Paycheck Workbook by The Budget Mom

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[Mydarianj]

You’re absolutely right when you say a lot of us don’t have enough money left because we do other things and then come back to pay bills.

That’s what has led me to budgeting. I’m hoping to make a change in 2024.

[dymondprincezz]

lol 😂 I had a lot of missing reports last year… they still ain’t been found 😂😂 I love that u be transparent and don’t rush through the process so that ppl can get understanding

[sdixon]

When I began trusting God and giving at least 10% in offering, God truly made/makes a way. I also do not use cash for gas. I have a separate checking account for gas only. This helps me to stay in budget for gas. Congrats on 40K!!!

[MaryJoFox-ki]

I'm just starting my zero-based budgeting journey (Jan '24) and your content is so, so helpful!! Thank you!!

[ericainacio]

I love your detailed explanation and demonstration! I got a better understanding of how to work out the zero based budget. What resonated the most is completing the worksheet on or right before the payday to put money where it needs to go before it’s gets spent and you find out you don’t have enough money for the bills for that paycheck because you spent it on variable expenses. I also have the BBP workbook and will be reconciling each paycheck beforehand so I don’t overspend on variable expenses before getting the bills paid. Thank you for taking the time showing the real life application of this method!

[beautymaxbylanise]

I made it to the end!!! This inspired me so much because I've been so depressed about finances! But this gave me inspiration to get my financial life in order! Thank you!

[jackieconnie]

For gas, I have a specific account just for gas. I have gas cards linked to that account to get discounts as well as protect my funds from possible fraud. I work in fraud and have seen too often people’s accounts get hacked through their debit cards. If something happens to my “fuel” account, it’s not affecting my Bill money. It also helps me see how much I’m spending in gas.

[niki]

Girl in the office spread RSV last week & I’ve been sick all week. Supposed to ice & snow tomorrow. 😷🙁But hey- the bright side is I can’t go & don’t feel like shopping! No spend in a tough love way!

[Ibakeandknowstuff]

Congratulations on 40k! That’s gotta be a great feeling!
So far the no spend has gone well but I haven’t gone out much so there’s that 😂

[aliciaamond]

Its God's will that you have no debt. Its His will that you think ahead, not be foolish. There are so many scriptures about finances.

[drewgover]

Only a few minutes in and an instant subscribe. You have such a friendly and welcoming demeanor and I feel calm! Like yes, I can do this! I want my money to have parents! No more missing reports!

[par]

Thank you for explaining everything so clearly. I’m working on a cash system for this year and am grateful! Keep teaching please ❤❤❤

[s_tree_frog]

my spend so far has had a bit of a blip a week into january but im now back on track again😊 i started a sticker chart to see my progress and getting my stars back on the chart is really helping me stay focused x

[shesodramatic]

thank you for sharing your system. you're really helping me get my ish together! this is good stuff, and i'm giggling to myself bcz lately when i see your videos pop up, i be like... "uh oh, bestie said it's time to budget. lemme get my pencil and calculator!" LOL! thanks for inspiring all of us. ❤

[MrChin]

Hi Budget Treasures! Gosh you are such a great explainer of zero based budgeting. I agree with all the beautiful comments of how calmly and knowledgeable you explain following through budgeting direction on the form you are using to budget with. Having good patient teachers like you really helps to get the concept of following the order of the budget. This was a detailed lesson in budgeting. I loved the way you broke down deciding where your money should versus could go. The way you talked yourself through the decision process was so important, yet simple. But if you don’t have a system, or know how to follow it, then you don’t have a path to follow. You did an amazing job of inspiring me to paying off my debt first, before letting my lack of control or “order” lead me to spend money in “variable expenses” instead of paying off debt. Your detailed and non-rushed explanation helped me see that. Thanks again, a light bulb went off in my head! Lol 😮😅

If I make a more deliberate, consistent effort to pay the debt off first, that will lead to money being freed up to later free up more money to then allocate, or put into the sinking funds. Please tell me if I have this right? The sinking funds are like little individual savings accounts for things you need or want to get, but putting aside saving the money first, in an envelope or account, before spending the money. Saving for things in the sinking funds, instead of putting something on a credit card or worse, blowing the cash you didn’t save for whatever and then blowing your budget, right? Wow, your explanation was step-by-step and your demonstration was so visual and clear to me. Thank you so much for your time and effort to help me understand this better. Praying for continued success with your channel, may you continue to help others have the light bulb experience! Congratulations on your growth on your channel Arlene (Miami)😊

[latanya]

I love that you give your tithe and offering first!! This got my attention!!

[peachyjbugetsYT]

“I’m not gonna be wondering where my money went. I’m not gonna be shocked or confused” that intro RESONATED with me so much! I loosely follow a zero based budget, but thank you for breaking it down like this! Appreciate you 💫

[mjbudget]

Hey Bestie im doing great on my no spend so far and i just finished up my 0 base budget for the first week as well, I am so excited and can't wait for Monday prayer God is doing great things for all the besties

[deborahsimpson]

"Every dollar has a job." I like that! And, it works. We did our first paycheck budget as well. We accounted down to the penny; yay! One sinking fund we created is "ingredients for holiday food". We cut way down on our intake of carbs and sugar so I don't bake much at all anymore. Except, for the holidays I do the traditional baking. This past Nov. and Dec. I realized - in the front of my brain - how costly ingredients are. So, we now have a sinking fund for it; haha. I know I'm gonna be happy we did this come this November.

[sheacarter]

Spent $14 on takeout but so far so good haven't received my pay for 2024 but its going well feeling ready