How To Setup a Zero Based Budget | On a Debt Free Journey | Dave Ramsey Inspired

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Hi guys!
Todays video is a long one! But with good reason. I get asked all the time how a zero based budget can be made or setup to fit people's need so I just decided to make a video as detailed as possible for anyone who is starting to understand. But like always budgets are so personalized that I can't promise that this method may work for you. Everyone is different along with their finances and what can work for me may not work for you. Lastly just know this is a take on what Ive learned through my debt free journey and that Im not a financial expert and won't have all the answers for you (so please keep that in mind). Part 2 of how to break down a monthly budget into regular paycheck budgets will be coming soon!
I hope you enjoyed- it was a long one- but totally necessary,
Erika
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8 сен 2024

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Комментарии : 400

@jazmynr12 5 лет назад

One of the best examples of a zero based budget on YT. I could see how hard you prepared beforehand and by your explanations could tell how you genuinely want to help other people, who are possibly new to budgeting, understand the basics!

@erikalifevlogs 5 лет назад

💕 thank you!

@clair233 4 года назад

I agree

@teresaclutter9757 4 года назад

Great job!!

@Mochi_Stars97 4 года назад

Im so not skiping ads in this channel.

@erikalifevlogs 4 года назад

🙌🏽 you help me a lot without even knowing it! Thanks so much! ♥️

@katrinalenz3809 5 лет назад

This may sound silly but thank you for the positive background noise while I wrote my own budget. I find it so much more motivating to listen to people talk about their own journey as I am just beginning mine.

@erikalifevlogs 5 лет назад

I do the same! Im always having e.michelle in the background when Im budgeting !

@katrinalenz3809 5 лет назад

@@erikalifevlogs between you, her and shay I know I'm in good budgeting motivation hands!

@KourttneyL 5 лет назад

THANK YOU. I have debt and I am a visual person. Seeing all of my stuff on paper works so much better for me .

@erikalifevlogs 5 лет назад

You’re welcome!

@latinaar1budgets 5 лет назад

Can you add the bi-weekly breakdown so that my daughter can understand how you do it....lol...she says you explain it better.

@candy2325 5 лет назад

I just paid my LAST credit card payment yesterday and it feels so damn good! I only have two credit cards, but man the way I was spending like I was in Congress was insane! I leave my credit cards at home and act like they don’t even exist lol. This video is great! I agree about writing the numbers down, it makes it more “real” and shakes you up. I checked my credit report last night and I found a collection that I need to get my hands on to pay off. I hate that it got to that point 😫

@Lak3rsfolife66 5 лет назад

Why haven't you cut up the credit cards yet tho

@jaywalters9448 4 года назад

Spending like I was in Congress took me out! 😂😂

@candy2325 4 года назад

Giovanni Torres I did! Just recently

@BethKnox32 4 года назад

Maybe cut them up

@hugskissesxoxoashley9925 5 лет назад

Love this! I don’t understand why people are judging your choices! You said it best - budgeting is personal! I think you are being super reasonable and REALISTIC. And 5.5K subs?!?!?? CONGRATS!!!

@SunnyDoesLife 5 лет назад

Binge watching all these debt free videos and realizing I’m not as bad off as I thought

@erikalifevlogs 5 лет назад

😂 thats good! Im glad because no one wants debt!

@Malix15 4 года назад

Same lol

@altyd493 4 года назад

Been watching you from the start. I love how you reinforce that you totally don't need stickers and fancy books etc - even a simple piece of paper each month is enough. Scrap paper if you don't have a pad. That's how I budgeted for over a year and then branched out to a simple 30c note book following that. The key is being disciplined enough to tell your $$ where to go!

@ciannacoleman5125 3 года назад

I’ve been debating using a spreadsheet or getting a book since I really like physically writing. Has a paper budget worked well for you?

@candy2325 3 года назад

@@ciannacoleman5125 I love budgeting by paper. I use a bullet journal and write my budget stuff in there and use fancy highlighters to make it cute 😊

@michelleholt2007 Год назад

When I first started, I would sometimes write on the back of utility bill envelopes until I got my financial planner. Still just use plain notebook paper to rough draft my budget on.

@lavernewebb7308 4 года назад

I was expecting you to list 4 things when you said 4 walls. Smiles

@BadBrad119 4 года назад

4 walls are Shelter, Food, Transportation, and Clothing. The roof is likely the emergency fund

@camilliacollier4448 4 года назад

Me too! LOL!! I Loved that - I'm definitely gonna use it!!!

@BRYCKTORIA 4 года назад

@@BadBrad119 Or using D.Ramsey's definition: food, shelter, transportation (for me rent, renter's insurance, gas & electric, food, car insurance, gas for car, toll pass). I had my car payment in the 4 walls, but moved it to debt. I literally have been revived by this simple order of things (putting the four walls first), because I used to pay bills before I bought groceries and often went without. I hope you like this additional info.

@irishernandez628 5 лет назад

Girl! I’ve watched countless videos on budgeting lately and I’m scared to jump on the ship, but this broke it down in a simple way that I’m not scared. So for the month of October I’ll be doing this, I’m on my way to watch the 2nd part now. I appreciate this video! ✨ God Bless.

@erikalifevlogs 5 лет назад

Im glad to hear! Dont be afraid to spam me with questions 😊

@nosirrahm 2 года назад

How is it going, Iris? I hope you figured it out.

@opinion2159 5 лет назад

From 21 down to 5 or 6, well done! ;)

@erikalifevlogs 5 лет назад

Thank you!

@morgangilmore8553 5 лет назад

Love the bravery you have. It takes courage to share your debt you have with people! So many people avoid opening up about debt because of the social shame that can be brought with it. Love love love the openness you have! Keep up the good work 💙

@erikalifevlogs 5 лет назад

Thank you

@tamikow7630 4 года назад

Initially I didn’t understand why you were being so snarky with your comments around people not questioning you but I’m glad I made it through to get the full content. This was a great video!!!

@jaclynsbasics3615 5 лет назад

This is so awesome! Not bragging but I am currently not in debt but my financial goal is to save, save and save! And if my husband and I ever get into debt I feel like I learned from these kind of videos so it hopefully won’t be too bad. 💕

@erikalifevlogs 5 лет назад

No such thing as bragging because I cant wait to be debt free and trust me Ill be the first to scream it out loud.

@samveney 4 года назад

Thank you, thank you for creating this video. I'm a single mom of 2 and I'm working on my debt journey in 2020. I admit...I've made some pretty lousy choices and my debt is ridiculous. But I'm determined to get debt free and show my children how to budget and do better than I have. Anyway, I just wanted to say thank you and I appreciate the time you took to explain everything and make it clear. Awesome video.

@AskJaeSix 4 года назад

Well this is soooo helpfullllllll. I just started budgeting. I've tried it in the past and always end up feeling lost... But thisss is what I'll be using

@yessieXblubay 4 года назад

Thank you so much for this video. I've been embarrassed of my debt. Today, I started paying off 2 of my credit cards. I need to call the other 2 or 3 to get my numbers

@troyl.jackson3449 4 года назад

I love when people show how the different budgeting techniques apply to their life! I tried creating a video explaining different budget techniques then realized the best example is explaining my own budget breakdown. Love the content!

@eav0461 5 лет назад

First time viewer, just wanted to say I love your handwriting! Great video, thanks for sharing ☺️

@toschaferguson5749 4 года назад

Thank you so much for sharing and helping those that need help with budgeting. I’m sorry that you hear negativity from others.

@dawna-ba-da-bing 4 года назад

I appreciate real numbers. I never understood why people cared if strangers knew their income. Big deal.

@BRYCKTORIA 4 года назад

probably in case their family, friends, or neighbors watch ... especially if they have family members who feel entitled to your money! lol

@HistoryHighwithLisaMarrie 4 года назад

This has been so helpful. I pulled out my paper and starting workiing right along with you!

@Glo297 5 лет назад

I love that you are so transparent. You give me real numbers and showing your struggles is so helpful.

@erikalifevlogs 5 лет назад

Im glad to hear it helps!

@dreammore4868 Год назад

I wanted to CRY when I was getting sued for my $3,000 credit card debt, I wasn’t paying it every month and they sold to debt collectors (a law office) and I ended up settling with them and paying a $1,700 lump sum to end that debt with them. I got lucky. Seeing your debt makes me feel silly but also makes me hope you’re doing good mentally because I was a ball of stress. I’m glad you’re choosing to help others figure things out, good luck and stay strong!

@laurenbrasington7968 3 года назад

I make 1800 for two people. Im happy to find a budget that is actually realistic. Thank you for being so honest about real world things like debt. Keep up the 👍 good work.

@theashleywiley 5 лет назад

Omg you’re a lifesaver! I’ve been wondering what I can do to better manage my money and pay off my debt and this has helped immensely! I’m so happy I found your channel. I’m binge watching now! This video really made me realize that when I wrote my income and bills down on paper, I’m not as broke as I thought. I just needed to find your video to better manage. Thank you so much!

@erikalifevlogs 5 лет назад

So happy to help!!

@ea6390 4 года назад

I'm only like 13 minutes with watching and so far, I like how you made this breakdown so simple!

@mathildaandmike 4 года назад

We are doing the same method as well and we love it! It’s so eye opening to see exactly what we spend our money on and then aggressively hit our financial goals. Thank you for these tips!

@M5CAP1TAL 5 лет назад

"No vacation. No fun. Rice and beans." When I tell you I laughed..... I laughed so hard!!! 😂😂😂😂😂😂😂😂😂😂

@veronicastigger7947 4 года назад

Evil AF I will put money aside for a vacation As a nurse I need to distress

@Preppycoconut1857 3 года назад

Thank you so much for creating this video! This is my day 1 of my debt free journey🤗 I broke down my budget alongside with you and I am shocked that I actually have money left over. I am now left wondering where does all my money go 💵

@karengraves3900 2 года назад

Watching in 2021 - wow! This is what I needed. So real (thank you for sharing your actual numbers...beyond helpful and inspiring). So simple using pen and paper. Love it and can't wait to do my own!

@LILLYROSE-hv5cd 4 года назад

I am so glad I found you. All the other people on Dave Ramsey are not detailed like you and complicated. Don't worry been there...the only difference my page was filled up on one side. Now I am down to 3 credit cards and 1 personal loan. I have used the snowball effect for years.

@arneetraammacklin 5 лет назад

Love this I like how you broke it down now I'm not so confused with my budget I finally understand the system so thanks again.

@erikalifevlogs 5 лет назад

Yay! Im glad it helped. Budgeting can be confusing !

@christinamccloskey 5 лет назад

your budget videos are helping me so much as i begin my budget journey! i feel like im just drowning in debt at the moment so i need to take control of it. thank you so much for these videos!

@erikalifevlogs 5 лет назад

You are welcome! I was in your situation once! Im still not out of debt but I can finally breathe!

@xoxoashleymichelle 5 лет назад

Ugh I love your video! It’s so nice to see real numbers. And I’m glad to see another fellow SoCal person doing this.

@BriarRose91 5 лет назад

This is so helpful! I'm actually doing debt avalanche but this is still amazing because I'm just beginning the budget process

@erikalifevlogs 5 лет назад

So happy to hear! You’ll be an expert in no time!

@viancamartinez7020 5 лет назад

Omg !!! Girl .. thank you so much... For having the time to show us how to start! I will star do it for next month...

@dshondarj 5 лет назад

Thank you for always being transparent with us. You really help me a lot throughout this journey and I appreciate you! The zero based budget does seem to work for me and I like it.

@erikalifevlogs 5 лет назад

Thats awesome to hear!

@pamayers8681 4 года назад

This is an excellent video and you are doing a wonderful job. You really do a good job of taking the shame out of debt and money.

@mariacastillo3090 5 лет назад

Thank you for sharing your journey with us. I’m old and wish I’d had this information when I was your age.

@amyp6135 4 года назад

Thank you so much. I was finally able to understand creating a budget. It’s not just an arbitrary thing now.

@erikalifevlogs 4 года назад

It doesn't have to be! you can always include fun while paying off everything that is priority. Its just knowing where your money is going at all times

@jenniesgenuinegems 4 года назад

I love your attitude about debt!! We've all been there. Keep chugging along! THANK YOU for going into so much detail!! It really helped me.

@robbiethornton-peek3928 5 лет назад

Thank you Erica. I always love your videos. Dave Ramsey doesn’t say you can’t take vacations. You just have to cash flow the vacation & not put it on a credit card. We are going on a big vacation which we have had a Sinking Fund for for 18 months. Once one starts the Baby Steps, there shouldn’t be any credit cards opened so one doesn’t get back into debt when one panics about not having a job, etc, because that’s is digging out the bottom of the hole one is already in. A lot of people don’t want to get rid of the credit cards because they want to “build their credit”.

@erikalifevlogs 5 лет назад

He actually does say no vacations. Its his pet peeve that people do go on them when they are paying off debt. He calls them the Dave-ish plan. He says cash flow vacations after Baby Step 2. Credit Cards also dont have to be demonized. Some people are great with them and pay them off the same moment they use them. Its just certain individuals with no self control like me that really shouldn’t have them. As for building credit - its actually really important- Dave said it himself in one if his videos- he wouldnt be able to rent an apartment because he has an undetectable credit therefore they denied him even though he can buy the building. Idk about you but I cant buy a building to live in so I have to rely on my credit yet Im still paying off debt. That is my opinion and no one can say what a person can or can not do. We just want to get our finances in order to live a debt free life.

@Vonnie1490 4 года назад

I’ve been watching your videos for the last week and I’m so happy to stumble upon your channel. To finally watch someone who has a similar salary as me, even tho my debts are a bit higher, but they’re all student loans. It just makes me feel like I can be done!!! Thank you for taking the time to explain this 💗

@linneafristoe3277 3 года назад

Erika, don't let the mean comments get to you! You are young and getting on top of your finances! Kudos to you! And thank you for being so open and honest about your financial situation. For every naysayer, you are probably helping 5 others!

@deb4053 2 года назад

THANK YOU ERIKA FOR A VERY SIMPLISTIC BUT INFORMATIVE LESSON IN ZERO BASED BUDGET.

@okayiestmom8078 2 года назад

I have been watching lots of videos on this process. Yours is the easiest to follow and learn from. Bonus is that your hand writing is amazing.

@lyzowsley6028 4 года назад

I loved your video!!! Thank you for making the zero base budget simpler. I like ware you called it your four walls. I have never herd of that before.

@erikalifevlogs 4 года назад

Dave Ramsey! He is the one I follow for financial freedom advice

@lyzowsley6028 4 года назад

I have been through the FPU class. I used an irregular income. Now I have 3 paychecks and a irregular check also.

@megkocik 5 лет назад

I recently started watching your videos! You’ve been such an inspiration to me to start paying off my debt. Keep up the good work!! 🥳

@erikalifevlogs 5 лет назад

😍 so happy to hear! Thank you so much

@moniqueholmes2836 2 года назад

Thank you for example I am working as I go I feel the same way. When people who judge don't have life to do. Thank you for being a real person with low income

@SKPaquette77 2 года назад

Thank you for being so vulnerable to help people who need guidance on how to budget and get rid of debt. 🙂

@mel_budgets 5 лет назад

Love love love , this helped me out a lot. Thanks for showing everything most you tubers beat around the bunch and make it confusing. Your videos are so informative. Awesome job in getting down to 5 cards Wow 👍🏾

@erikalifevlogs 5 лет назад

Thank you! It had been a journey! But glad to be in it. Cant wait until Im at the finish line 🤩

@brianajohnson8172 4 года назад

You’re a great teacher!🤩 Thank you for putting in all of this effort for us!

@erikalifevlogs 4 года назад

thank you for watching!

@tamikajones6970 5 лет назад

Great video. I have been doing a zero based budget for the past few years and it has helped me tremendously. I am looking forward to the paycheck breakdown video.

@kelsihughes 5 лет назад

This is awesome and I love it for me, being a senior in college!! Also love that planner paper!

@goode2shuz177 5 лет назад

One of the best, if not THE best videos I’ve seen showing a zero based budget. Excellent job!

@erikalifevlogs 5 лет назад

Thank you!

@sonialariviere4700 4 года назад

wow its the best learning video I've seen for money budgeting. thank you sooooo much.

@Sammy-rw6us 3 года назад

I understand this video was created a year ago but where has it been all this time!! It’s helped me more than any other budget videos I have seen so far ! Thank you so much! 💕

@wendybroadhurst8658 Год назад

Hello my fellow Californian. (From the electric and gas 😁) My debts are fewer but higher do dont you get about yours. I LOVED YOUR VIDEO. Simple , Easy, Down to Earth. I know, it's an older one but still. This is MY Year, 2023.

@jenniferducat1123 3 года назад

This was the best and most real explanation of a monthly budget I have seen so far. My husband and I are working on a new budget and this helped so much. Also, thank you for linking the pen, it looks amazing. Thank you for being so real and open about a real budget.

@MC-zx3vp 4 года назад

I love you being real by being positive and honest. You are awesome by sharing how you are taking responsibility and making it work. I hope you achieve all your goals and dreams.

@marierobles4879 3 года назад

Wow best video I've seen so far. I finally get how to do it. This Friday will be my first time doing it

@erikalifevlogs 3 года назад

So happy it helped!

@aprilservantez5966 7 месяцев назад

What to said thank you you're the only one who explains have make a budget now I understand it now first time watching your video

@tiatish_ 3 года назад

I realize this is an old video but I'm playing it while I work out my numbers. I printed out 3 paychecks and 3 bank statements... crunching numbers! Thanks for being real with your situation and info! I'm looking forward to see your newer videos to see how you're doing!

@michelehammond8095 5 лет назад

Thank you so much!!!!! I just started to do a budget for my family. You have given me a lot of advise for Zero based budget. This is something my husband and I need to do. We are working on getting out of debt.

@erikalifevlogs 5 лет назад

Im so happy that I helped! And best wishes on your debt free journey

@Friencine 5 лет назад

Thank you for the transparency it’s refreshing!! And congratulations to getting your credit cards down to 5! That’s a big accomplishment girl. The way you did your zero base budget is different from the way I do mine (still like watching you do yours) it shows that a budget is really a personal thing and it’s different from person to person

@erikalifevlogs 5 лет назад

Yes! So true. Mine and my boyfriends budget are like complete polar opposites and we love together!

@Friencine 5 лет назад

erika_ lifevlogs I think I would do that when I live with my boyfriend just have two different budget instead of making one big house budget

@Malix15 4 года назад

Love your vids and your accent. How many planners do you have? I’ve seen 3 different ones so far in your vids. You should do a video just on all your planners the purpose of each one :-)

@laurennicole9298 4 года назад

This video came up while I was looking at some other budgeting videos, and wow you explained it the clearest. Trying to figure out a budget seems really ominous, but you just laid it all out so simply. Thank you for the great video!

@averildaniels7479 4 года назад

I love you channel. I just came across it. Debt is something that I had to accept. Sigh. I’m working on my snowball. It really does work. My income is very tiny. So, I have to budget really, really, really well. However, this is just my expenses. My husband pays the mortgage etc... this just works for us. I gave up working to become a full time minister so I had to accept that my expense will be less than a thousand dollars per month.

@tishacalderon2011 2 года назад

This was broken down so amazing and easy to understand. Thank you thank you so much!

@michellehigh4468 5 лет назад

I. AM. SO. PROUD OF YOU YOUNG LADY!! I make my daughters watch you!

@erikalifevlogs 5 лет назад

Thank you! 🥳

@jj-bu6yb 3 года назад

i loved watching this! i started today my journey on zero-based budget! THE BEST video on youtube! i can tell you genuinely want to help others

@TNT66762 4 года назад

Loved your breakdown. I was worse off in debt than you are in this video. No shame. You're working so hard to get out. MANY MANY KUDOS to you!! Thanks for the training.

@s.shiff17 4 года назад

Honestly can't wait to start budgeting, you make it sound so easy and relatable!

@amyfletcher4749 5 лет назад

I have to agree with Dave. Beans and rice and no fun. You already had the fun and created a disaster. Now it's time to work and fix it. My disaster amounts to $600.00. $12.00 an hr...40 hrs a week 5 days a week. Doesnt go far....lol Just Bill's and debt.

@erikalifevlogs 5 лет назад

Soon the progress will show how far it truly does go!

@jborrego2406 4 года назад

Bean an rice sucks lol I bought 15 lb of my favorite rice but didn’t know they made a darn sweet rice that sticky An guess which one I bought lol so now I got 15lb sticky rice to eat :(

@jessireyes5307 2 года назад

Awesome video! I really appreciate you sharing your expenses . It gave me a better picture of my personal expenses.

@asle1269 5 лет назад

Ok thank you is not enough thank you Erika since I am finally starting my journey I already printed everything out and this afternoon I’m going to start my budget planning thank you pd I saw the video twice lol

@erikalifevlogs 5 лет назад

So excited! I hope you are able to budget out everything you need!

@lizvisage Год назад

This is by far the best zero based budget ive ever seen. You got my like and subscribe :))))

@anitastoneman4047 5 лет назад

You sure have come a long way on your journey. Keep up the good work!!

@erikalifevlogs 5 лет назад

Thank you!

@allisonrodriguez13 5 лет назад

This is the most helpful budgeting video I have seen.. and I’ve seen a lot!! I just subscribed to your channel! ❤️❤️

@erikalifevlogs 5 лет назад

So glad to have helped! And welcome to my channel! ♥️

@nicoleguerra3510 4 года назад

Thank you for using realistic numbers. I appreciate you making this video! ❤️

@jessicaantonio6227 4 года назад

Super simple, thank you for taking the time to break it all down. I absolutely loved your video

@snipesRtherapy333 2 года назад

hi there! i was wondering if you have a video out now of how you budget for your business? I’m working on starting my own business, and new to budgeting in general. I really appreciate how straightforward and informative your videos are, and would really appreciate the advice!

@PrincessJazzmyn 4 года назад

3 words. Honest! Transparentcy! Real!. Thankyou Queen for being straight forword no sugar coding!

@pattynamba4212 11 месяцев назад

Terrific video! I really appreciated how clear all your explanations were. Just wondering how to best account for payments that are not monthly (i.e. garbage is every other month, car insurance is every six months, home insurance is once a year).

@lifewitherica5485 6 месяцев назад

You did an awesome job breaking everything down

@meliss9536 5 лет назад

Um, THIS VIDEO IS AMAZING!! I have a budgeting system which isn't super far off, but I am going to follow and do this by this video.

@smacfarlane4416 2 года назад

Thank you so much for this breakdown. By far the best explanation!!

@nikeboss100 4 года назад

I wrote my July bills and broke it down from each pay period from the net pay I receive after taxes and listed all my expenses. I did such a bang up job that I had a lot of money left over even after paying all of my major expenses with my first paycheck for the beginning of July. I think next I will try the method of cashing out my entire check and doing the envelopes.

@waterswaters1705 4 года назад

I just now saw your video and I am so happy to see someone be real about their income and debt:) Nobody’s perfect you’re right people need to back off being negative and get it together 👍⭐️

@tonytygrrHI 4 года назад

Excellent video! Same - totally embraced debt for decades. I like how you allot for future plans into your budget. I am working on smashing my debt$$$ and buying my 1st home. 🏡

@audreyhaney2833 3 года назад

Thank you so much!! This video was so much more relatable to my own circumstances. Great video!! Love the visuals

@erikalifevlogs 3 года назад

Glad you enjoyed it!

@susanhernandez7290 3 года назад

Sometimes you have t o have it. Atleast your managing it! I believe in you!

@erikalifevlogs 3 года назад

Thank you

@latinamckinnie7628 3 года назад

Omg, Erika! Thanks for the video. Very detail and realistic. Look forward to many more of your videos sister❤️

@erikalifevlogs 3 года назад

Glad it helped!

@claudiaarce8883 3 года назад

Your video has been a pleasure to watch. Your explanations were on point. I have done Dave Ramsey system before with some tweaks and it works without sacrificing EVERYTHING. Great job.

@ejmommylawrence8780 5 лет назад

Wow, you’ve come a very long way🤗 Keep up the good work👍🏾 I do a similar type of budget but I like to leave a buffer in my account, about $20-$40 bucks just in case. Thanks for sharing!

@MEME413CHULA 5 лет назад

Yea i do a buffer as well for my bi weekly budgetting.. and whats left over by next payday from buffer goes to either a bill or sinking fund.

@0rignallity601 5 лет назад

What's a buffer?

@candy2325 5 лет назад

0rignallity Zeno it’s something to help secure you in case something gets auto drafted from your account/emergency, so your account isn’t $0. I hate having zero dollars in my account so I leave like a $40-$50 buffer there in case I need to get something like more food from the grocery store (if I didn’t budget enough for cash) or put gas in my car. Sometimes I even use a little of it towards a debt. It depends on the person, their finances and what they want to use it for.

@christinaglenn5834 2 года назад

I’ve learned my lesson with the credit card debt. I got rid of one and only had 3. Imma pay the 2 off then leave it alone and use my capital strictly for gas backup or something

@rediscovering_tanyah 3 года назад

I am just starting budgeting. I am so glad I came across your channel. You made it so simple and realistic. I don't have credit card debt but I have slot of stuff in collections. Thanks for sharing.