Hi Everyone, Welcome to my channel. I'm Traci, a SAHM, happily married for 21 years, and have been blessed with 5 amazing kids. With a big family like ours I have come to learn that planning is essential to getting things done and reaching goals. So I love to plan. Getting all my thoughts and to dos out of my brain and into my planner takes away the feeling of being overwhelmed and gives me a sense of peace. I'm currently using a planner that I designed to help me reach my goals. I definitely don't have it all together, but I look forward to sharing the things that I have learned along the way that work for me and my family on my channel with the hope that I can help and inspire others too. I also love to learn and discover new ideas and tips from all of you to help with the busy day to day mom and wife life. I look forward to growing this channel with you. So tap that Subscribe button and journey along with me!! CONFIRMATION CODE: GDBBBCSM182000657
Happy Friday! I’ve seen games like this before, but love the way you played it! Fun to give a bonus! Your kids are racking it up week to week! Hope you have a wonderful weekend! 🌷💗🌸
FINALLY someone that will go through their budget, line by line and explain what they’re doing, how they are doing it, and why! I’ve been trying to budget my life since 2006 when I started my family and always end up crashing and burning because I haven’t found anyone to teach the details, so I give up. Years go by, I try again - same outcome. Rinse and repeat. Today I feel hopeful that by subscribing I can watch you. I’m not expecting perfection just a real family like my own doing the hard but necessary steps. Keep up the good work! Subscribed!
These kids sports are so expensive! Unfortunately, cheer never ends! Fall is Game Day Cheer, Winter is Competitive Cheer, and Spring and Summer is Tumbling Classes & Open Gyms because their motto is "champions are made in the off season" 🤪💕
Awww Thank you! You are such a blessing to this budgeting community, always, finding ways to help all of us here grow. I love your community posts too. 💕
Hi Traci! I'm a new subbie came from BookishMammaBudget- she has a community post! Congrats on your growth and watch hours! That's exciting!! Thank you for sharing your savings! Hope you have a great weekend!
I am not looking forward to the whole FAFSA thing. We will likely be getting loans as well to pay for my daughter's college. Because while she's gotten a few scholarships and has a 529, it's still not nearly enough to cover 4 years. Because we were not financially savvy, years ago. College is just way too expensive.
College is rediculously expensive! If we didn't have the experience that we did with my oldest, and make drastic changes, we would be faced with 11 years straight of taking loans, for our next 4 kids, and would probably honestly die with those loans because that 11 years was just the years my kids would be in college and we would be taking out the loans, paying them back would be way longer than that. I wish I would have documented our whole 9 year journey here on RU-vid, because we went through so much to get to this point, and each one of my kids has skin in this game too. We gave each of them a goal to save 20K on their own, and so far my 2 that are currently in college have met that goal, and are continuing to seek out scholarships and grant money. The remaining 2 are on their way to meeting the 20K savings goal. My oldest ended up with loans, but he got them paid off, and is doing well. So many parents, are faced with having to take loans for college every year. You are most definitely not alone. 💕
I noticed your view has multiple accounts. How do you manage/track which account gets how much? I keep my sinking funds in a separate account and I'm finding it difficult to track how much needs to be transferred once I've assigned to all the sinking funds. Was just curious how you go about it.
I have my category groups in YNAB, match my accounts. So for example, the category for Monthly Fixed Expenses is one account, the category group for Weekly Expenses isn another account, and Sinking Funds is another account. Etc. This way if you look at the balance for the whole category group it should match your bank account balance. For my monthly fixed expenses because I know exactly what I need for that account, I have an autotransfer set up in my bank app, and I do have a cushion in the account just incase. so that account rarely needs to be reconciled, the category group balance and bank account balance usually always match. Same for my Savings Account because I don't move money out of that too often. For my Weekly Expenses and Sinking Fund categories / bank accounts), is where I need to rebalance things. Because I have funds built up in my sinking funds that don't get used that often, Im able to just reconcile once a month. So I just look at the category group balances for Weekly expenses and Sinking Funds and compare them to the account balances, they are always off by the same amount. For example, if YNAB weekly expenses category is higher than the account balance by let say $100, than my sinking funds isn YNAB is usually under by $100, so I transfer $100 from weekly expenses account in my bank app to my sinking funds account and then the category groups in YNAB match there respective accounts. I hope this helps. 💕
Love your subscriber and watch hour updates! It’s already been surpassed! So awesome! Great job finishing a challenge- your son and daughter are taking all the money! 🤣 Sounds familiar!! 🌸💗🌷
