BUDGET WITH ME FOR THE MONTH OF JULY | HOW I PLAN FOR A SUCCESSFUL MONTH

BUDGET WITH ME FOR THE MONTH OF JULY | HOW I PLAN FOR A SUCCESSFUL MONTH

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[BudgetTreasures]

Hey Budget Besties!! We are 1 Full Month down from getting back on track. I can say that it has been a bit of a roller coaster but I am learning a lot about my budget and myself. Thank you for being here for the journey and rollin with me. I hope that you enjoy this video as I plan for July 🤗

[dlynch]

Living below your means, means to cut out cable keep the internet. No shopping unless necessary, no eating out. Minimal shopping. Don’t waste electricity, doing a lot of free activities. Did it for many years finally no car note, no credit cards, no tuition and I have a little in savings for the first time. I love thrift stores ❤

[crrandle]

When I was told to live below my means they meant for me to cut out all unnecessary expenses. Just pay for the necessities. I did it for 6 months but it felt like a punishment. Keep doing what works for you. You were the first YouTuber I watched when I started budgeting. I’ve watched you succeed and stumble but all and all you still inspire me to stay on my grind.

[christinewheeler]

Living below your means?? Doing exactly what you're doing. sometimes you're ahead sometimes you're behind because the fridge broke. Growing up, our electricity was shut off for non payment quite a few times. My parents struggled and finally got ahead in their 40's. Owning a home is more than a payment. It's stability. It's a school district. Over time, renting will outpace your mortgage. My mortgage is $1700 a month for a four bedroom home. To rent would be over $3000 in NJ. Keep going.

[sjraymond]

Living below your means is exactly what you're doing! Sometimes it's doing things that are uncomfortable that we can live with, temporarily. For example, your Netflix - that price was what I was paying for like multi-screens and ultra HD or whatever they called it. We just went down to the $8.99 one because it was basic HD but as long as I could see the show, the flavor of HD didn't matter. We also changed the way we shopped for groceries - going to the bread store instead of buying it at a bigger grocery store, or getting essentials at Dollar Tree. You could also consider if you need the 24-hour Fitness right now, as opposed to walking around your neighborhood. Instead of Sirius, could you do the free version of Spotify or Pandora? Things like that.

You're doing a no-spend July, so you know how to live below your means - sometimes life just happens. You're doing great!

[rickismith]

I definitely wouldn't move to a bad neighborhood to live below my means. That would just cause more stress. Plus these days prices are up everywhere. You may pay a small fraction less to be miserable. I think it means being frugal. Bargain shopping, maybe not going for the name brand items for everything, cutting out unnecessary spending. Maybe 1 subscription instead of 3 or 4.

[postalplanner]

Living below your means is what it seems like you’re doing. Honestly I live below my means on a monthly basis. Some months I can ball out some months I can’t. I just try to pay my bills and save money where I can. YOU’RE DOING A GREAT JOB SIS!!

[Tcb]

To me, living below my means is exactly what you are doing. If you can afford your House payment then you don’t need to even think about moving.
You just keep doing what you’re doing. You got this! Proud of you!

[CraftCoBudgets]

Everyone has an opinion on what you “should” be doing…. In reality, you know you and are fully aware of your financial situation. You budget what works for you! I believe we should live, we are seriously in debt and July starts my tough love budget but I’ve allowed for some “living” because if we don’t we’re more likely to fail! I did however go back to work to get us out of the hole. I love watching your videos, your an inspiration to me… and YAY to catching up on some of your bills 🎊🎈🍾 💵 👏🏼💜

[mimibunny]

To me, it means I am spending out less money than what I am bringing in.

[pookiesnow]

Newbie here. It looks like you are moving forward. Keep it up. For me, living below my means was getting rid of all extras. I cut cable. I have a Roku and a Firestick. I stopped all crazy shopping trips. For me I don't get my nails done as often. I don't spend as much on hair. I don't sign up for a bunch of subscriptions. I created a budget based on monthly pay. I made sure that I had at least a $200 buffer in my account at all times. I auto save money and manually save. I created a nest egg for the future. I have credit cards that are paid off and my credit score is very healthy. I have a contingency plan for most things. I review my goals daily and weekly. This worked for me. You have to figure out what will work for you. My advice is to create a vision of the life you want. Then figure out how to execute and reach that goal. Setup 1, 3 and 5 month goals. Take baby steps until you get to a better place. Have you looked in to putting your house taxes and house insurance into escrow with your mortgage? Please don't move into a situation that will make life hell on earth. You have a home that you love. You will figure it out. Moving is not the answer.

[animegirl]

For me living below my means is the same. I would have to live in the ghetto. I have already cut back on alot of my expenses and I'm still struggling. I am slowly making progress where most of my credit cards are still in the positive after the interest is charged. Also I have gotten ahead on my installment payments so I can save all of that money towards starting a emergency saving accounts with a minimum of $1000 and then start the process of paying off my debts. Essentially i am making very small baby steps towards my goal of getting a place of my own.

[johannaanderson]

Thank you for being real! I am starting over on my budgeting journey and it has been rough! I'm glad that I found your channel. 😊

[LyssieLysse]

I’m glad I found this channel! I was watching another YTer that budgeted everything in their life and it made me anxious. Your way is less anxiety inducing for me and we get paid on the same days so I can budget along 😊

[davinnachristian]

Living below your means is just what was mentioned, cutting down and out unnecessary things. You have already started the process with cutting your cable bill. You are also doing it with the no spend months. Think about all of the things you would have spent money on that was not necessary or not needed. NEVER sacrifice your safety just to say you are living below your means, your home is an investment and although you are paying for it now, it will pay off for you in the future.💲

[CasuallyMatthew]

Thank you for sharing this- I have been trying to live below my means to save more and pay off ALL my debt- my goal is to be debt free completely. Thank you for sharing.

[nd]

Living below my means to me means not feeling entitled to spend more than I make because of how I feel. From today’s video, I see a struggle within yourself about how much you are willing to sacrifice. Wish you the best!

[GillianBudgets]

Always good to turn a negative into a positive. So much lessons can come out of living below our means. So inspirational as always lovely ❤

[lenabellamy]

💲💲💲No buy July to get ready for my student loan payments to restart in October. Living below my means is almost impossible with just the regular costs of living these days but I’m giving it my best shot.

[tamikajones]

Hey bestie! You already have a plan in place to live below your means by reducing as many expenses as you can. Keep doing what you are doing! ❤