Thank you! 😂💜

Thanks so much! On the bright side, school starts again in 2 months, so we only need to make it through that first paycheck in September.

Thank you! You too💜

Thank you! Rounding transactions makes a huge difference. It's amazing how fast change adds up!

Thanks so much! We both love your channel too. 💜

38 years, wow! That's awesome! I'm sure things will feel more joint for us once the kids are adults. For now, it's hard to think like that when we're not married yet and the kids are with their mom half the week. I (Beau) only even met them 2 years ago, so this is a huge adjustment for all of us.

Thanks so much! Same to Bryan!💜

Thanks! 💜

The joker just has the highest saving amount tied to a card in the Christmas budget savings tracker. Thanks for your question!

Congratulations! One month ahead is a real good look ^_^. Thanks for the lead!

*noted* Thanks for the lead!!

Thank you so much!! It means the world to hear that!!

Thank you!💜

Thanks so much. That's a great idea! Even if he never used that fund, it would take a lot of pressure off. Last year, I ended up paying the rent all summer and we can't do that every year since it's more than half my pay. Having a dedicated summer fund would change everything. Thanks for sharing!💜

@@winandwicked It was a summer sinking fund to cover her expenses.

Me and my husband are not great with money, so we are also working budgeting. So thanks for the motivation. Keep it up!

Thanks for listening

This is a budgeting channel, not a review channel. Thanks for the input.💜

You make really great points! When we cut groceries, the unhealthy snacks are cut first. Part of our problem is we are both overweight, so we need to eat less anyway. We tried shopping sales, but a lot of it ended up expiring before we ate it. Clothing is already only bought when items get holes in them. Win especially wears holes in his clothes/shoes very quickly. I can't remember which video it was, but a while back I actually showed a pair of his shoes that he had worn all the way through the sole. He does that every 3-4 months and he wears EEEE width shoes, so they aren't very easy to find affordably. It's rough. We have Amazon Prime because we price compare with Amazon whenever we're buying things for the house. Also, Win doesn't drive so it can be difficult to do all our shopping in person. We'll adjust where we can and give your ideas some serious thought.💜

We don't count saving as spending because we reallocate funds sometimes. For example, I (Beau) used part of my emergency fund to pay down Win's debt (investment) one time and a medical bill (need) another time. The numbers would be off if I originally said all emergency savings are for needs. Same with if we changed the purpose of one of our savings categories. That money can always be moved around. It doesn't necessarily have to be spent on what we originally saved it for. I'd rather my actual spending be accurate so I can reflect and adjust based on what's leaving our accounts.

We understand his process, took the course twice, and have spoken with him personally. His course includes various scenarios for how to change things around as needed. We're following most of his advice, just tweaking where it makes sense to us. Feel free to follow along and watch our progress.💜

That's awesome!

Thank you for your words of encouragement!

Glad we could help! ^_^

That's awesome! We would love to get there one day, but it would require a lot more income. Just getting our needs under 60% would be a major accomplishment. I hope you accomplish all you're setting out for! 💜

Thank you! The temptation to treat it all as extra fun money is so strong, but we have catching up to do. How are you doing?

@@winandwicked I made it to the end of the month before I made it to the end of the money so that's good lol we're all dealing w a cold now smh.

I hope you all feel better soon 💜 Having more money than month is what's important!

I love it! So cute and colorful.💜

Thank you!💜

Thank you! How are you doing this week?

@@winandwicked more expenses than income, a stuffy nose and more to do than I can get done on a weekend about sums it up lol

@@mrssummersbudgets oh no! 0.0 Hopefully this is just a rough moment and not a trend!

What do you think was missing in our planning?

Yes, but Win got bronchitis and was sick for a while, so he wasn't able to save his half. He doesn't get paid sick leave, unfortunately. We expected everything to cost around $4k plus a week of missed pay for Win. The final numbers weren't terribly different, but some unfortunate things happened that cost us more than predicted, like the $600+ cancelation fee for a messed up reservation. We're still fighting that, but who knows what will happen.

Thank you for the kind words! It was fun and the weather was beautiful. We spent a lot of time in hot tubs rather than on beaches, so the water was lovely! The big regret was how much it cost. We could've taken the kids to Disney World for less and avoided a lot of the headaches.

Thanks so much! 💜

Thank you for the encouragement ^_^

Thank you! We're trying so hard.🥹💜

You're right on both fronts. I'm tempted to comment on how lucky we are but luck has nothing to do with it. Beau planned ahead and planned carefully and pulled me in line to start doing the same.

Beau gets running hugs from the kids daily now, but they haven't reached the age of demanding the newest game systems or Jordans yet. It'll be here before we know it and we're ready. 😂