July Monthly Budget Overview | Budget With Me | Zero Based Budget | Debt Payoff Journey 

Ok, ok.... haha. I made reservations for Friday!

And yes, I am very BLESSED. He is a good man.

@@BudgetWithMrsP 😂😂😂good deal

Thank you so much! I try to tell our real life because I feel that is most helpful.

Thank you, Sophie! I appreciate your comment so much!

Thank you so much!

Thank you! It’s taken a long time to get our variable spending under control. Using cash made all the difference… and not allowing myself to cheat and use the debit card when I went over. Also, limiting my trip to the grocery store to once per week helps too. I’ve finally convinced myself it’s ok to run out of things and not immediately replace it. My daughter has finally started seeing the true cost of things now that I give her an allowance and make her use her own money to purchase things she wants. She will think though purchases a lot more carefully! Thank you for your support! I appreciate you!

I am so glad it's helpful! Thank you so much!

Thank you! I want to be as real as I can so that people can see that not every budget and family is perfect. We are FAR from that and I wouldn't want it any other way. Thank you for your support!

Thank you so much for this comment! It means so much!

We live and we learn. How I wish I could go back and do my finances differently!

@@BudgetWithMrsP Same

Thank you so much!

Thank you! It is hard sometimes and temptations to "charge" things are always there. I appreciate your comment and support!

Yes! This has truly been life-changing. I literally cannot wait to get home and crunch numbers everyday. I used to be afraid to even look at our bank account and pray that it was it was not in the negative! Thank you for always being so supportive!

Thank you Meghan!

Thanks!

Yes! I can totally relate! Our “savings” used to be whatever was still in the bank before the payments came out for bills… which was literally nothing. I even remember a time where we wrote checks hoping they wouldn’t clear before payday came through. I am so glad I’m not living that life any more. Thank you for watching and being a great asset to this community 💗

@@BudgetWithMrsP I used to do the same thing and pray they didn’t clear before my next paycheck posted. Budgeting has definitely been a lifesaver and thus community has definitely helped me tremendously,

Sure! I actually do a debt update at the end of each month… but I’ll see if I can figure out projected pay off dates too.

The way I got it to be two columns is by selecting “print two pages on one” when I print it. Otherwise it’s two large pages.

Hi! I just realized you have a channel... looking at your shorts now, you have some really great happy mail!

I think about how much I need for each category, see what my budget can handle, and go from there. For example, my Monday Minis are sinking funds that I would have given a certain amount each month anyway... so I just divide that total number by the weeks in the month and that is what I use. If the budget allows more, I add more so that they can be funded more quickly. Hope this helps! My budget is still a work in progress!

I have it as 4 I think, but when you go to print, you can select to print custom pages and just print as many as you need. If that doesn’t work, I can try to send you a PDF through email.

@@BudgetWithMrsP thank you I’ll try again

Hi there! Ahhh, the trigger that prompted our journey. 100% was Christmas of 2022. When we made good money but didn't have any extra money to buy our kids a Christmas gift. We had to take out "Affirm and Klarna," loans, etc to fund Christmas because all of our credit cards were maxed out and we had no disposable income left after bills were paid. With our income, we should have had money, but we didn't. I sat down and did a budget and was in shock at how we had so much credit card debt and we were spending way more than we were bringing in. We made drastic changes and committed to getting out of debt. As far as why I decided to create a channel and share my journey is mainly because of the inspiration I found from other people on RU-vid and the fact that it would help keep me accountable and help me share what I have learned. Thank you for your very sweet comment, it means so much!

@@BudgetWithMrsP you are doing a great job, with debt elimination and with the channel! Keep up the great work!!! I get excited with each snowball payment you make, I’m invested and celebrate with you😝

@@michianamom6343 thank you! I’ll be updating my debt payoff this weekend! 🤗🤗

I agree! I think Hulu might be the worst app for ads!