I Stopped Budgeting After Discovering This Simpler Method

Tired of budgeting and never sticking to it? We've all been there. Here's a simpler way to manage your finances without feeling guilty.

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👨 Who am I?
I am Jereme - my wife and I paid off 50k in debt, quit our 9-5 jobs, sold most of our stuff, drove across country from Oregon to Michigan, and bought a small A-Frame Cabin in cash to live simply.

This decision gave us more control over our time to actually focus on the things that matter to us - serving Christ, each other, and our community better.

I created this channel to empower you to become more intentional with your time, talent, and money in order to live the life that you want to, not what society expects of u.

More on Instagram @gojereme

🎥 My crispy, minimalist camera set-up

[DreamSurferRelaxation]

To anybody who's reading this, I pray that whatever is hurting you or whatever you are constantly stressing about gets better. May the dark thoughts, the overthinking, and the doubt exit your mind. May clarity replace confusion. May peace and calmness fill your life. ❤🧘‍♂

[sebastiannicolich]

Just wanted to say that Youtube recommended me this out of nowhere, I loved the video, really impactful, I was surprised by the low views, but this will definitely blow up sometime. Keep at it chief.

[golfshapedjoelskull]

Took me 6 months to get my budget right. Set your short to mid terms goals, set a long term goal.
Also knowing that if i save $1500 a month for 5 years, that’s $90000.
That did the trick 👍

[mseg]

Thanks!
Take aways
-Ask yourself why you spend that way and try to improve
-Analyze and look at your budget one at a time and not all at once ie. food budget
-Set goals for financial freedom

Thanks so much! What an eye opener!

[susy]

Single mom here, just wanted to thank you for this 🙏, I woke up feeling super discouraged today about why it hasn’t been working out for me . So thank you much appreciated.

[MireyaR]

Budgeting has always worked for me. I think it’s because I was taught that ushering is a plan than comes from a full review. It just comes does to awareness of incoming and outgoing money as well as how and why you are doing what you’re doing. Tracking it allows you to SEE where your money is going. Then you can have those conversations with yourself to start working on your habits. It isn’t that budgets do not work, it’s just that many people think it’s just the step of allocating money into buckets as opposed to considering it a piece of a whole pie. Tracking expenses, documenting spending habits and creating a spending plan is all part of the same thing process.

[rosaestrada]

Feel sad that my father was good with money. He had many homes and he never taught me anything about money. I miss out on being financially educated. I learned the hard way. Now I’m more aware and learned by reading a lot of books about money, budget and frugal ways to have what you need and be debt free. Thank you for your video. It’s good and honest.

[ayonuga]

I really like the points raised - it’s important to know where you’re at before you can grow and measure your progress. However what I didn’t quite get is where he mentioned that he resented the mom for not giving him financial education. Simply put the mother could not have given what she didn’t have - if she was a financial advisor and chose not to pass that knowledge unto the child then that’s a different story.

[Tachtronics]

This is great advice. I think this is a similar concept with discipline yourself to stop sinning vs healing the root of the sin in your heart to stop sinning. Discipline is important but we all get tired and mess up again eventually. However, if we uproot the root reason for our bad actions, the compulsion to do that bad behavior is gone and doesn’t require continuous effort to control (although I’m sure the enemy will still come back occasionally to try to re-ensnare us in the same sin so don’t every completely put your guard down). Good job.

[bensmith]

I think you are really on to something, but I'm a little confused. I just saw your video explaining "how " you quit your jobs and rearranged your priorities, but I missed what exactly you did to replace your income. If you could elaborate on that then I would be so grateful! Thanks for sharing!

[austinmccool]

Love this! They're called spending HABITS for a reason. It's so hard to change one habit much less a whole lifestyle all at once.

[gabzz]

Spot on. Budgets trigger a rebellious streak in me. Like, I work 60 hours a week, don’t tell me what to spend on my groceries!! But tracking is more freeing, I can kinda gamify the process. I spend x amount last week? Lets see if I can beat those numbers.
At the end of the day it’s about what works…

[childofdestiny]

Thank you for your help. I agree with you! I have been using a household budget for the past three years, but when I started the goal was not to fit into some budget concept. For the first two months all I did was track my spending and notate how much I spend and on what. Then I made decisions about which habits were reflected in my spending that I was going to choose to change. I don’t do the whole guilt thing. I’m just trying to learn about myself. Even some months when I spend more than I initially planned, I absorb it into my budget and give myself a little more latitude the following month. It’s very low stress and It’s improved my financial situation tremendously.

[chrissyr]

That was excellent advise. So much of what we spend can be emotionally charged. Before setting money goals we need to know we we spend what we spend. Expect ally if we are over spenders😶. Lol, I’ve had a budget forever, I recently downloaded mint and a tracking app to daily see my purchases and deduct from the budget I set monthly. I had to make a serious change because our money has had great highs over the past few months, and yet I have no idea where all the extra went?!?😳 that was an eye opener that I need to dive deep into not just my budget but what I’m spending and why.

[kellylarocque]

You have a very peaceful energy, it seems we are having a real conversation. Thank you for this advice. I have struggled for my many years, I did budget before a lot or at least used it more of a guideline. I hate living check to check and I havent been that way in a long time but I foresee soon I may, I'm just finishing my degree and will have to pay back loans soon. This year I started saving receipts for groceries every month to see where my money is going but I need to work on that for other 'wants' b/c they may be more draining sometimes. I have done better with saving in two seperate savings accounts but I will learn to do better at it, but recognize if I slip up not to be so hard on myself and start again. Thank you and take care.

[JakeSpradlin]

Great video! I am not a budgeter by any means, I am not a fan, BUT something that I have found very very helpful is paying myself first. I set up 401k contributions and a 15% of my net pay to be put into a separate checking account (that I call berky for the great warren buffer and Berkshire Hathaway) that is only used to fund my Roth IRA. It is worked great for me! Then bills and everyday spending comes out of my main checking account. This is an option as well!

[melissawright]

Thank you for this video… it had me in tears! I’ve never heard some of the things you touched on in this video. You truly have a heart to help people. Not just financially but from within… their heart. My sisters and my brother were not taught how to manage money. My mom was the provider and my dad was home with us kids. They both managed those positions well. But… my dad was the spender. Splurged on unnecessary things and we were always struggling. Even if he had a dollar, he wanted to hurry and spend it. I can say for myself, I’ve been there done that. It has messed me up! It’s taken years to get out of that. I’m wanting a better and healthier way to manage my finances. This I know is gonna help my family. I’m gonna share it with them and have it be a discussion. And inventory on how we are and why we do the things we do. Thank you again and God bless you! 😊

[lenoreriley]

I totally understand that fear!!! I find that having a fully stocked mojo fund (emergency fund) really helps that fear of running out! I don’t use credit cards at all any more, but I try and have a months worth of living expenses saved just to help negate that fear and provide financial security. (My plan is to build it to cover 3 months, then 6) I’ve heard it called the Wisdom and Longevity Fund too. Thanks for your channel! New subscriber here!

[LittlemissDaisyy]

Soo good Jer! 👏🏽as for the step of “how can I improve in this area” definitely agree start with one thing at a time… maybe silly to some but proud to say the buying coffee out area has improved already. Coffee at home 🙌🏽 …. Appreciate you and your willingness to share all these vids!!!

[mbyrd]

Thanks, I always say that money issues are usually a symptom and not the problem. Thanks for the great insight in this video ❤️