How I Keep My Budget Simple | Personal Budgeting Tips 

Better than I could have said any of this, all great advice. Thanks Haylea!

Thanks so much!!

Faustian bargain, but I am pleased for him

Hi i live here in japan and i use kakeibo too but now we start with income , savings, fixed expenses and then the tsumitate. Tsumitate is separating smaller amounts for the irregular expenses and or want you want to buy in the future.

*kakebo

I actually like that, really simple. Might try something like this in the future, thanks!

@@NicholasGarofola Yes, I like to keep my life as simple as possible.

Something similar should be taught in US middle schools as electives again. Besides cooking in a kitchen with a full set of sharp utensils, I remember budgeting introduced in a short portion of the quarter that included finances like simple and compounding interest. This was late 80's, you can forget about the kitchen with the type of students we have now, but maybe it's still doable for the old elementary school GATE students or AA class students. But definitely the safer home economics classes should be mandatory at least in middle school since these schools are less equipped than say the high schools with more variety of trade school/vocational electives. Standardizing middle school electives with necessary life skills preps everyone instead of making it optional electives or an after school program in the high school level.

I appreciate the kind words, and thank YOU as well 🙌🏻

Happy new year to you too, and thanks for all the kind comments this year 😄

Thanks as aways!

Thanks so much 🙌🏻🙌🏻

Thanks Rhiannon! Appreciate all the support this year 🙌🏻

Thanks!

Hi Joanne!!

Thank you 😄

Thanks Robert!!

Thanks Elizabeth!

Definitely sounds less intimidating that way. Have a great new year! 😄

Thank you for sticking around so long!

@@NicholasGarofola Absolutely! Congrats on your channel growth!!

Glad you enjoyed it!

Good eye! Definitely have seen her sniffing around it when we first put it there 😄 thanks so much for the kind words!!

Thanks so much, and happy new year 🙌🏻

Glad it was helpful!

Hope you find another job soon. Things will turn around, they always do. Stay tough!

Sorry to hear that. Hope things start looking up soon. Have a look at frugal queen in france. Under the median, frozen pennies. They can all have helpful tips and tricks

Thanks for sticking around for so long, always appreciate the kind words. Hope things look up for you soon and I wish you luck in the new year 🙌🏻

Thanks so much!!

I appreciate that!

It’s incredibly useful!

Thanks Tia!

Very useful!

Thanks so much for being here for so long Lars! Always appreciate hearing from you 🙌🏻

That’s awesome!!

Thanks so much! I’m a video editor for my day job 😄

Working on it!

@@NicholasGarofola What chair is it, btw?

Timex Expedition

@@NicholasGarofola Thank you

I’ll prefer the Mini for as long as it exists no question, no changing my opinion on that 😅. And a pro model would be a great idea! Thanks as always Sara!!

Zoom H4N recorder

Hmm not yet. Haven’t found any I like

@@NicholasGarofola Interesting... So, when you talk about categorizing transactions, using technology wisely, syncing your different accounts together and "seeing everything on one screen", how/where are you doing all that then? I don't understand how you are budgeting or categorizing anything without using some sort of software. Your video wasn't very clear on that. All your videos are excellent and very interesting, but this one fell a bit short for me in trying to understand the details. 😊

@@dmauder1 I use Chase bank, and the Chase app allows me to link my investment accounts (Fidelity, Vanguard) and see them all from the Chase app itself… hope that makes a little more sense 😅

@@NicholasGarofola Ah! OK. I have a couple Chase cards and didn't realize they let you do that. I've started playing around with Empower (fka. Personal Capital) which lets you aggregate all your accounts and has nice investment tracking, retirement planning and budgeting features. All for free. But of course... Anytime you're using a free product, YOU are the product! 🤨

Is there a certain amount in sales you consistently make each week/month? I would go based on that number. So if you know that each month you consistently make $3000 then budget based off that amount. Like he mentioned, you can also round down the paycheck, you know you’ll probably make $3000 but assume you’ll make $2,500 so you have a buffer.

LG Ultrafine

@@NicholasGarofola really nice thanks man

One of my favorites

Nothing wrong with covering the basics!

@@NicholasGarofola agree on the fact that saving for emergency fund for 6 month is though. Even with a 50% saving rate means that you are probably saving for an entire year before moving to anything else.

Thank you!