How I Created an All-Cash Budget 

I have been able to do a zero based budget beautifully electronically for a little over a year now. I have a line item for a $20 buffer each pay. So roughly $40 a month. Right now I still have that $80 sitting in there besides bills and also carry over from previous month to cover bills, variable expenses, etc. LOVE budgeting. It's a semi passion. I have no friends or family who share this passion with me. LOL

I hope the person reading this has a fantastic day today ❤ Everything is going to work out for you, you superstar 🌟

$400 for grocery. I wish. My family of 4 spends about $800-$1000

Also important to do a new budget every month and include sinking funds (aka reserves) where you allocate a portion of your monthly income over time to cover larger future expenses such as buying a new car, replacing major appliances, vacations, etc...especially helpful when your take-home pay varies a lot each month.

I appreciate the reminder to include smaller, more oddball items in the budget, like gifts for friends and something for kids. Having those factored in means you don't panic when they come up because you have nothing left, and that you don't feel guilty for spending it because that's what it's there for.

I have been budgeting since I was a child. My grandmother made it so much fun and she gave me lots of wisdom.

I have drank the Ramsey Koolaide twice now (hopefully it sticks this time lol). I have 2 thoughts here: 1. What is a good "roll-over amount" or "buffer"? 2. The frustraiting thing for me is no matter who is giving the budgeting advice the numbers are to hypothetical. Nobody I know is only paying $1000 in rent and $400 on food these days. I get it every budget and secinerio is different and this is just an example, BUT using real life numbers isn't as simple in my experience.

I agree teaching/showing people how to budget is a great idea. It would be helpful for the amount of the expenses to be more realistic and the math to be correct. This is is not a zero based budget, it's -$100. Income of $4700 and expenses of $4800. Oops!

A zero based budget is different to all cash. All cash to me means you spend physical money.

The way you hold your pencil is triggering.. lol 😆 lefty..

Its the small things like new razors, shoes or a gift for the niece that really add up in our household.

I’m not sure where I went wrong but this budget example calculates to negative 90 dollars.

I love to budget hope to be better at it

How do you have enough charisma to make budgeting exciting?

Where on earth is rent $1,000 and food $400 for a family?! I know these numbers are just an example but they are not in touch with reality.

This is soo interesting for an european to watch! My husband and I have done a zero budget for over 25 years. The numbers differs, gas is way more expensiv for us & rent way less expensiv. We both love budgeting and I can plan for hours and hours where my own spending money goes. Who will I give extra presents to( grandchildren) or treat for lunch/dinner (friends & family) or send off for a well deserved treat (grown children) while I treat my grandchildren and me to a nice evening with storytelling and good food! This is for me the essense of budgeting; to get the most walue out of your short stay on this earth! And also try to help those less fortunat to survive ( Ukraine at the moment) This is what I hear you are trying to tell people when you help them and I love listening to you! Brilliant work 👌

What about childcare and babysitting. Tips for servers. The plumbing breaks if you own a house.

Don’t forget about the $780 for childcare

Thank you for this video! This is going in my favorite videos list! 😊

How do you use every dollar if you don’t have a paycheck? For example, you are an entrepreneur with a monthly income that is different every month.

The resources you supply could literally save people’s lives. Thank you so much!

Not realistic numbers I pay more taxes I pay for childcare and more for gas and healthcare and more for groceries don’t forget the paper goods and cleaning supplies

If a zero based budget isn't bringing your checking account to zero then how much should a checking account cushion/buffer be?

Replacing some of my emergency fund.

$!000 in rent?!?!?! $400 for groceries!

I wish I would have started this years ago! Never too late to jump on money goals. Thanks for this!

$1000 for rent is not realistic.

I'm not doing it the best but my expenses are paid and I have money left over on savings

If you buy things in two different categories at one store, do you ask the cashier to ring up two separate checkouts or do you go and edit the transaction in the app later?

Thank you so much for the free downloads. They will be most helpful!

Can someone tell me what I'm doing wrong I'm trying to save but I'm left with hardly anything for basic expenses in my checking. My income is $2446 after taxes. Expenses: rent $1600, internet $25, Netflix $10.88, transportation $80, food $150. -$400 to savings = $180 😢

When did the baby step change? It used to be giving was after you had a fully funded emergency fund and after you took care of your 4 walls, what change? How you suppose to give if you are broke? makes no sense.

Only $400 for groceries? This doesn’t seem like a realistic budget😕

I recently completed FPU and I'm doing my first budget for April. In the nearly 2.5 months the class ran, I never did one even though I was paying my own bills and getting my own prescriptions which I already did prior to FPU. The ONLY thing that changed was that I started paying my own bills which are only for insurance and the occasional CC bill which I pay off every time I use it so there's no interest AKA: debt.

Okay I’m loooving this shirt SO much!

Thank you!

😊😊😊

10% to charity is too much. Maybe 5%. $150 family fun budget won’t even get you to a ballgame, or put the extra toward your house fund. It’s ok to put your family first.

How do I have a girlfriend envelope? My wife can't find out.