January 20th 2019 Paycheck Budget Overview

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Today, I am bringing you with me on my budgeting journey. We will be going over the paycheck that I received on January 20, 2019.
I have been sharing my real budget for over a year on Instagram, but only recently started sharing my budget on RU-vid. By sharing my actual budget, I hope to show you the process and steps behind paycheck budgeting. I also hope it helps you understand the psychological decisions behind money management.
LINKS REFERRED IN THIS VIDEO
The Budgeting Method That Changed My Life: www.thebudgetmom.com/the-budg...
How I Track My Expenses: www.thebudgetmom.com/how-to-c...
Join the TBM Family Facebook Community: / thebudgetmomfamily
How to Start Using the Cash Envelope Method:
www.thebudgetmom.com/how-to-s...
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ABOUT ME
I'm the blogger behind www.thebudgetmom.com. I have a rambunctious 6-year-old son, live in Washington, and I'm passionate about helping people with money management and personal finance. Let me know what you like to learn more about! Leave me comments and suggestions on my video and let me know!
YOU CAN FIND ME AT:
Blog: www.thebudgetmom.com
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Facebook: / thebudgetmom
Pinterest: / thebudgetmom
Twitter: / the_budget_mom
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CONTACT
kumiko@thebudgetmom.com

Опубликовано:

19 янв 2019

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Комментарии : 61

@trblessed1020 5 лет назад

I literally have to shout from the rooftops about how awesome your 2019 budget binder is. At first I was like I really do not need all of these pages but there is a method. when I took my little slip to get each individual bill that I need it for my cash envelopes I felt so together. and I know I keep leaving comments on each one of your videos but I just truly can't thank you enough.

@onlyzsazsa1986 5 лет назад

I love how you take the time to break everything down! Very helpful for budget newbies like me.

@tarrabrown3506 5 лет назад

All I can say is thank you thank you thank you for really breaking things down. And that a budget is personal and there is no one size fits all. Love your video and appreciate all that you do. You don’t have to explain things but you do and that helps people like me. I found you just a few weeks ago YT and love your story!

@briannairene185 5 лет назад

Just wanted to say THANK YOU! I have no idea why or how one of your videos popped up on my feed a few weeks ago but I decided to watch it (keep in mind I never budgeted, and have been married for a year). The first video I was definitely confused but super intrigued as I was realizing I wanted to be doing more with our income, it felt like it always left as soon as we got it. I printed all of your budgeting sheets and was on fiiiire for budgeting. I’m a natural spender, and was shocked at how much I was spending. I spent $1200 on groceries one month! Now with meal planning I’m spending $600 a month (it could definitely go lower if I wasn’t very health conscious and always choosing organic foods). Your resources are AMAZING and LIFE CHANGING! Thank you so much ❤️❤️❤️ my husband and I are currently doing the debt snowball and are scheduled to be out of $20,000 of debt by the end of this year!

@candy2325 4 года назад

Brianna Irene any updates?

@Elizabeth-uj8vn 2 года назад

I’m so happy for you!!!! Miko is changing lives!!!! I’m so happy I find her too🥰

@DsnyLuv 5 лет назад

You have changed my life, thank you ; budget by paycheck is brilliant. I am not there yet: I am not good at math but I am watching your Videos and got all the papers; forever thanks 🤗

@yeseniacalderon9418 5 лет назад

I do similar spreads in my budget bullet journal and with your information and tips it has helped so much. And although i didn’t purchase your sheets (since my goal is to save and stop online purchases till I can actually be at a comfortable spending level) i still support thru your RU-vid and IG! Much love from VA 🙌🏼

@travisdavis1042 Год назад

Love it! Thank you!

@euniceplanner 5 лет назад

This is an excellent video. I too have to write everything down when it comes to my finances. There’s a lot of great details in this video 👌🏻☺️

@raidn808 5 лет назад

Thank you for sharing! Since discovering you and your videos, you have helped me so much.

@jovinmark5567 5 лет назад

Very inspiring❤

@michellelynn530 5 лет назад

Really like the details 😍

@jisson57 5 лет назад

Yay! Awesome video Kumiko, thanks! :)

@barbarahatfield9658 5 лет назад

Wow i love your layout bill tracker and enveloppe I would love to have these layout

@kaylarenee7044 5 лет назад

Curious if you could do a video with budgeting tips for college students? Came across your channel and few days ago and just can’t stop watching! Super excited to start tracking my spending and trying to nail down my budget starting in February!

@raquelapicella3 5 лет назад

Thank you!!🎀

@alizas3634 2 года назад

This is such a new and interesting system of budgeting and saving. I want to try cash envelope system for groceries and eating out. I feel like the amount I am spending on eating out and grocery shopping is out of control, but your system is perfect for it.

@anngonzalez89 5 лет назад

Love the vide..purchased your worksheets love them so far..Can you put videos about the other pages included the the workbook ..Thank You

@befroggy 3 года назад

My bday!! I get paid every Friday so i will be doing these every week!

@sandraangelkiss 5 лет назад

great video

@craftedwithlove 4 года назад

Where can I get the printables for this? This format would work great for me and my hubby.

@Rollingwithaleisha 5 лет назад

Paycheck budgeting I think may help me better and been trying to figure it out as I get monthly but also get each week 2 payments in and then partner gets paid weekly. So with such frequency would it and even a small payment in should I separate them all as each Paycheck.?

@margaritamendoza4285 5 лет назад

I will start using your highlighter method. That's a good idea. I think last paycheck video you said you make new cash envelopes each time. Do you shred your old ones? They are just too cute lol. 💜💜 patiently waiting for next video I really like that your posting here on YT!

@madnessofmymind 5 лет назад

Why would you shred an envelope? That would be a terrible waste of resources in an overly stressed planet. Keep using it. Just because she makes new ones doesn't mean you have to. Or make a bunch and rotate through them during the year.

@tereng128 5 лет назад

how can I order the paycheck to paycheck book? is is a digital and by mail form?

@ebonieprater2883 5 лет назад

Can you make the worksheets in A2 size? I’m a weekly paycheck budgeter so I work in an A2 notebook.

@brandibecker-wright7936 5 лет назад

Hi Miko! I came across your blog, RU-vid and IG about 3ish weeks ago and I love that you are so real and detailed with everything! I did the email course and bought the workbook and am using January to closely track spending, figure out categories and bill dates, and kind of making a mock budget. I plan to get started with cash in February. One question was if you could do a video detailing some of the other sheets in the workbook. There is one (I’m sorry I don’t have it in front of me) that looks like all the categories for your budget all put together and a few others that I haven’t really seen you talk about that I would LOVE more clarity on. Also, for your grocery budget do you include things like toilet paper, paper towels, body wash, toothpaste, etc? Just trying to figure out where those things fit since I usually get them at the grocery store. Thanks so much in advance!

@aviaannette 5 лет назад

Brandi Becker-Wright I’ve also been doing what you are doing. I have probably watched every video she has ever made or posted. But to answer your question: she calls those supplies consumables and they are included in your groceries.

@sadiemariealonzo1872 5 лет назад

Video on business budgeting

@stephaniechalifour9289 5 лет назад

Is there any way I can follow your binder with a 6 months budget and a paycheck changing every time ? We are seasonal worker and need to save for those non paycheck months. How can I plan it if my income changes everytime? And how do I plan it if I have different payment for those first 6 months and those last 6 months of the year ? This is just amazing work you’re doing !

@stampingwithmarsha8116 5 лет назад

where does your clothing budget go into?

@melanibaxter8792 4 года назад

We are starting this method in Feb. (Spending Jan. tracking expenses). As I'm starting to think ahead, I'm wondering if I should do separate budget pages for my husband (paid on 15th and 30th) and me(paid every other Thursday). So I would be making 4 budget pages. Sometimes our paydays land close together and sometimes they dont that's why I'm wondering.

@cheyennehendricks5951 5 лет назад

Would you still include your 401k if it just automatically comes out of your paycheck before you get it?

@kellymaria3076 5 лет назад

Where can we get these printables?

@donnahernandez410 5 лет назад

Are there links to your pages/binder?

@vanessalopez4097 5 лет назад

I love your videos! I came across your videos literally 3 days ago and I am obsessed! I am on the Budget Blueprint email course and I am on day 2! But I was curious because I was looking for a monitor. Which monitor do you have?

@floppybob1121 5 лет назад

Great video. Quick question. Do you track the cushion of 40.00 per pay as an expense when youre categorizing it or do you just subtract 40.00 from your written paycheck amount to account for it? I am going to use a cushion but dont know how to balance that extra 80.00 at the end of the month.

@floppybob1121 5 лет назад

Thank you!

@ancientangel08 5 лет назад

For debt payments (credit cards) would I just put it as one lump sum on the paycheck bill tracker sheet?

@ancientangel08 5 лет назад

@@thebudgetmom, okay. Then I need more sheets, lol. I won't tell you how many credit cards I have. Will you be making sheets that are editable in the future?

@christypollock5874 Месяц назад

I get paid bi-weekly, so I split all my payments due to my check, let's say one of my card payment is $300 and I split the payments in both checks, how do I do this on the calendar? do I highlight one in one color and the 2nd portion in a different color on the calendar. I am so confused, can someone help?

@kacichurch631 5 лет назад

Question: what if you get paid weekly, and you have bills you are paying the following month (because it’s the next week) with a paycheck from a Friday? How do you set that up on your calendar?

@Carol_-tv6jv 5 лет назад

I was wondering the same thing.

@Elizabeth-uj8vn 2 года назад

You have to count it for day 1 of the following month and subtract those bills from it.

@BudgetMadam 5 лет назад

Great vid... please ZOOM IN- hard to see 💙

@jayde22 5 лет назад

I have a question! So with the cash envelope system, what do you do with the change that you have left over from your purchases?

@naidiacooke3714 5 лет назад

Shiv_xoxo see her previous video. That change is transferred or saved

@Elizabeth-uj8vn 2 года назад

For me I just put it in a jar and saved it

@Roadmappingtofi 5 лет назад

I was wondering why I wasn't seeing any more of your videos and I just realized I was unsubscribed from you?? That's happened to me with a few other channels. Man this is so weird

@juliekeenum5016 3 года назад

How should I budget when my husband gets a check EVERY Friday and I get a check twice a month? The way our bills run we have bills due every week of the month.

@Elizabeth-uj8vn 2 года назад

Maybe you should send her a request to do your budget like one of those real life followers budget. She can look at your bills and come up with a plan customized for you?

@matemahe 2 года назад

I personally adore this types of video as motivation to to stay on budget but I can't budget the way she does. splitting bills between pay checks overwhelms it is too much. If you have the will look at her real budget play list she has some with multiple paychecks a month. I honestly have watched some videos a few times. I am trying to motivate myself to do sinking funds savings bc I just have 1 saving for that I use for so many things

@matemahe 2 года назад

ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-bx8qi8lm0Cc.html

@floppybob1121 5 лет назад

I seriously wished you gave private consultation. (Or maybe you do?) For a fee I would happily pay. My biggest issue is wondering if I should apply extra cash to fund my sinking funds till theyre full or just pay it towards debt. I only owe my car and mortgage as debt. But my sinking funds as a home owner are around 6 grand a year. A fee I just hate paying every month ( around 500 a month if I was to fund them monthly) Then I have an extra 700 to play with to put towards debt or keep paying down sinking funds. This is where I get stuck, what to do with the extra cash. I know its probably personal preference but I feel I need my hand held :(

@Elizabeth-uj8vn 2 года назад

I hope you were able to get the help you need. I used to feel that way.. I still do but doing better now.

@Elizabeth-uj8vn 2 года назад

I hope you were able to get the help you need. I used to feel that way.. I still do but doing better now.