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Mr. SG307's Budget • Debt Payment • Savings Challenges 

SnowGardener307 Budgets
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It is time for Mr. SG307's bi-weekly budget!
I am so excited today as we are able to pay a large chunk of our Home Depot credit card off! While this card is at 0% we are on a journey to be financially independent!!
Numbered Paper Clips: amzn.to/3VEyhZ2
(I may receive commission if you purchase from the Amazon links in this description)
Want to purchase something from my Etsy store? Please use this link to save me Etsy fees: snowgardener307.etsy.com
#debtfreegoals #savingschallenges #mrsg307
Join my membership to get monthly freebies, exclusive videos and more!
/ @snowgardener307budgets
ALL MY SAVINGS CHALLENGES:
May Binder- ‪@JanellRaeBudgets‬
9. Friend-chip Goals ‪@lizandless‬
10. Mini Savings Challenge ‪@TheALMOSTOrganizedOwl‬
Christmas Cuties Binder - ‪@CraftCoBudgets‬
Snowflake Christmas Binder - @JanellRaeBudgets
1. Puppy Snowflakes -Rami ‪@budgetpaparazzi‬
2. OCD Christmas -Dani @CraftCoBudgets
3. Hot Chocolate -Tracy ‪@GoldenGirlBudgets‬
4. Merry Flocking Christmas- Wren ‪@MischiefManagedBudgets‬
5. Snowman- Janell @JanellRaeBudgets
6. Mystery Savings- Kim ‪@StarBudgets‬
7. Fir Sure -Liz @lizandless
8. Merry Christmas- Yazmine ‪@OfficialBudgets‬
9. Fred Jr.- Shannon ‪@307designstudio‬
10. Holiday Cheer -Champagne ‪@ChampagnesCorner‬
11. Double Sided Christmas- Judy ‪@savewithjudy‬
12. Gingerbread Cutouts- Wren @MischiefManagedBudgets
Gemini "ME" Savings Challenge Binder (NOT IN ROTATION RIGHT NOW-BUT IT WILL BE BACK!)
All of the challenges in this binder are from my Etsy shop
www.etsy.com/shop/SnowGardene...
Red Savings Challenge Binder
Save & Grow- Kiara ‪@BudgetandGrow‬
ALL BUX- @reinventingrene ‪@reinventingrene‬
Blue Glitter "Full Size" Savings Challenge Binder
The Life of a Pig *
Pop It! *
Life is a Beach *
Shut the Box- @reinventingrene
2024- @TheALMOSTOrganizedOwl
*= Use the link above for my Etsy store to find these products
Shiny Silver Savings Challenge Binder (NOT IN ROTATION RIGHT NOW-BUT IT WILL BE BACK!)
The Great Aussie Scratch Off- @CraftCoBudgets
Suitcases- Plan to Plan Sticker Co.
Our starting debt total in April 2020 was: $365,862.62
Our 1 year debt total in April 2021 was: $274,008.61
Our 2 year debt total in April 2022 was $206,365.15
Our 3 year debt update in April 2023 was $210,786.75
Our 4 year debt update in April 2023 was $201,986.79
NOTES:
* In 2023 and 2024, we incurred more debt and paid a large portion of that debt off, so our debt paid numbers are actually higher than what they appear.
* The above numbers include our mortgage.
AMAZON STOREFRONT:
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FILMING STUFF:
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Camera: amzn.to/3mscnIV
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FOREVER FREEBIES:
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💌S N A I L M A I L:
SnowGardener307 aka Marlene
PO Box 281
Pinedale, WY 82941
EMAIL for Business Inquiries Only:
snowgardener307@gmail.com
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• SOUL MAMA - amz.run/6jej
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• FORJARS- forjars.co - Coupon Code: SNOW10
DISCLAIMER: I am NOT a financial advisor or expert. All views and opinions on this channel are my personal opinions. I am documenting my journey as it relates to my family’s financial, and debt freedom, progress and sharing how we manage our money. Prior to making any financial decisions for yourself/your family, CONSULT your financial advisor or planner.

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18 июн 2024

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Комментарии : 84   
@ssr10260
@ssr10260 Месяц назад
The PTO category is so smart! I do that in case I run out of vacation time for unseen circumstances
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Hi Stephanie! Yes! I am so excited he has that fully funded. This way we don't have to dip into the EF for something that technically isn't an emergency. 😁
@Cocacabanabudgets
@Cocacabanabudgets Месяц назад
I love that u show how the debt is being paid with the challenges. I am going to keep this in mind - save up 100 and put on that card ❤
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
You are so welcome! If the interest rates are really high, I would try not to hold money for too long in challenges (i.e. months and months). We are paying off debt that is at 0% interest so it doesn't matter. I will still use challenges for the mortgage too because while there is interest, it is so much fun to use the challenges!!
@michelemcgill1720
@michelemcgill1720 Месяц назад
Greeting from Australia. Everyone will find their own sweet spot in budgeting. Our household was a stickler for Dave Ramsey, we didn't eat out, etc and the more I did it, the more obssessed I became. It's not for everybody. If saving for a holiday keeps you on track, then that's the best plan for your family. Love your vlogs xx
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Yes, Michele!! We had to find our balance and now I believe we have found our sweet spot!! I tried Dave Ramsey years and years ago and failed a couple times. After I found the budget mom I was able to get started and once I started saving I realized we could make some serious progress on our debt. Now we still save for other things but we have knocked so much debt out in the past 12 months it is amazing!!
@ErinBudgetsAimlessly
@ErinBudgetsAimlessly Месяц назад
The way you are going you will be down here in Australia in no time!!
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
We just have this one hurdle left...you know what it is!! Dang storm just hanging over our head! LOL
@santagonzalez1222
@santagonzalez1222 Месяц назад
Awesome, and definitely looks better the way your doing shut the box we can see it a lot better, thank you, Blessings to you and your family
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Thank you! You too!
@marshafugitt3460
@marshafugitt3460 Месяц назад
Great job on tackling that debt🎉
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Thank you!!
@thefeistyone7178
@thefeistyone7178 Месяц назад
Woohoo! On to Goal #4!!! So happy for you. :)
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Thank you!!
@deannaedwards1147
@deannaedwards1147 Месяц назад
Great budget and savings video😊
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Thank you!
@danniemcdonald7675
@danniemcdonald7675 Месяц назад
Great job ... both of you. I love seeing those numbers come down!
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Thank you so much Dannie! Me too!!
@amylewie4748
@amylewie4748 Месяц назад
I let your video run on my tv with an ad that was 90+ minutes.
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Holy cow...that is one heck of an ad!! LOL
@sydneysmith1921
@sydneysmith1921 Месяц назад
I love the budget mom to . Your videos have really become my favorite and I look forward to them and sad when days go by without a new video so I’m watching older ones
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Awww Sydney...thank you so much! I appreciate this comment more than you know!!
@toebeanbudgets
@toebeanbudgets Месяц назад
Woot woot on the debt payments. 🎉 Nice job on the corn truck challenge - I say watch out for the multipliers but that's just me being a smart*ss....they are all multipliers. Hahaha. But there are plenty of x1's. 😅
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Hahaha...oh that challenge is stressing me out! LOL I love it though!!
@toebeanbudgets
@toebeanbudgets Месяц назад
@@SnowGardener307Budgets ❤️ I think you will have fun with it. Plus you love the dice games. Oh and I did purchase the July mystery binder from @JanellRaeBudgets. My youtube 1st anniversary is actually the end of July. So the justification was even more enhanced.
@ivyhartsfield9352
@ivyhartsfield9352 Месяц назад
Watching 😊
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Thank you!!
@lisandraaponte5419
@lisandraaponte5419 Месяц назад
Love it Marlene💚💚💚🥰
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Thank you Lisa!!
@diannerichards6018
@diannerichards6018 Месяц назад
Awesome progress 👏 👌 👍
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
It is so exciting!!
@christineoreilly8912
@christineoreilly8912 Месяц назад
Love when debt gets paid off!😊
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Me too!!!
@pennysavedisapennyearned
@pennysavedisapennyearned Месяц назад
Good morning 🌞
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Good morning!
@Chatty-KathyBudgets
@Chatty-KathyBudgets Месяц назад
💜💜💜 Happy Wednesday 😊. Here watching my friend 💜💜💜
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Thanks for the visit!!
@stankfamily
@stankfamily Месяц назад
Fantastic job 🎉
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Thank you! 😊
@40andBroke
@40andBroke Месяц назад
Great job Marlene. I agree about following Dave Ramsey Light. Experiences trump debt freedom. As long as you have a plan for both.
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Yes Leroy! You can do both, but you do have to be disciplined!!
@kittyface7kat327
@kittyface7kat327 Месяц назад
Great video Marlene; you're knocking the stuffing out of your debt!
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Thank you! Yes...that debt is going bye-bye!!
@thebudgetevolution
@thebudgetevolution Месяц назад
Hi Marlene 😊
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Hello 😊
@maria.workinprogress
@maria.workinprogress Месяц назад
You are doing amazing! Loved watching your video and thank you for reminding us that we don't always have to pause the fun or our lives to become debt free. 💕 slowly getting back to watching budgeting videos 😊 glad to have seen your video as I slowly restart my journey.
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
You are so welcome! I think what is most important is that you find something that works for you. Now, you can't spend 99% on fun and 1% on your debt payments...haha! But you can make it work for sure!
@maria.workinprogress
@maria.workinprogress Месяц назад
@SnowGardener307Budgets haha of course, there needs to be a balance. When I first started my journey back in 2016 I restricted myself so much now I enjoy making memories with my kids while, but I did over do it a bit these last few months 😅
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
@@maria.workinprogress it happens to the best of us! LOL
@patriciabrown2270
@patriciabrown2270 Месяц назад
Great video 😊
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Thanks! 😊
@gentlecharmbudgets
@gentlecharmbudgets Месяц назад
Great ❤ video
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Thank you!!
@Colourfulbudgetsuk
@Colourfulbudgetsuk Месяц назад
Fabulous progress you are making with your debt payments and other goals.
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Thanks so much! 😊
@twelvepawsmom7682
@twelvepawsmom7682 Месяц назад
Congrats on your debt payoff progress!
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Thank you!!
@bargainbudgets
@bargainbudgets Месяц назад
TY for sharing your blessings big hugs from Coco 🏵
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Thank you!!
@TrishaAnderson926
@TrishaAnderson926 Месяц назад
Fabulous progress on your debt! 🎉🎉🎉
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Thank you!! 😊
@moneywithjustliving5258
@moneywithjustliving5258 Месяц назад
Good Morning, 💙💙
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Hello!!
@conniet9288
@conniet9288 Месяц назад
I LOVE TBM.... she has helped me so much not feeling guilty about making my own choices. I just found your channel and subscribed too. Thank you for being down to earth and fun to watch :)
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
TBM is so amazing! I am so happy I found her 4 years ago. I tried Dave Ramsey years and years ago, but I just couldn't do it. Now I have combined some of his principles with TBM and we have found our happy spot!! Thank you for your kind comment!
@HyggeHomestead
@HyggeHomestead Месяц назад
Hi Marlene!! ❤😊
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Hey hey!!
@christyross8337
@christyross8337 Месяц назад
❤❤
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
😁😁
@Raising5Queens
@Raising5Queens Месяц назад
Love the video!! Where did you get the wallet?? I’m having a hard time finding a wallet I love.
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
This wallet is from Janell Rae Budgets!
@Grit.Glam.Budget814
@Grit.Glam.Budget814 Месяц назад
Is there a bank you recommend to place money away when you have place holders in the envelopes?
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
I use Capital One 360 High Yield Savings Accounts because of the higher interest and I can also have multiple accounts!
@Grit.Glam.Budget814
@Grit.Glam.Budget814 Месяц назад
@@SnowGardener307Budgets thank you so much! This helps a lot! Love your channel your one of my faves!
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
@@Grit.Glam.Budget814 you are so welcome!
@tammybowen5307
@tammybowen5307 Месяц назад
❤😊❤😊❤😊
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
💖💖💖
@CraftCoBudgets
@CraftCoBudgets Месяц назад
Hey Marlene, not sure if you know that this video says members only which I’m pretty sure wasn’t just for members 😄💜
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
My other comment is not showing but yes, this was supposed to be members only when I uploaded it. I scheduled it to change to public a little bit ago. It is one of the new features YT has! You will start seeing this more and more. This way members will always get to see my videos first! Maybe a day early or just a couple hours early!
@CraftCoBudgets
@CraftCoBudgets Месяц назад
@@SnowGardener307Budgets awesome now I know! Great budget and saving! 🥰💜
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
@@CraftCoBudgets thank you Dani!! Some times I definitely make mistakes and publish to the wrong group! Hahaha
@TheBudgetPrincessa
@TheBudgetPrincessa Месяц назад
hey girl hey great video and that is some amazing progress with debt 🩷
@SnowGardener307Budgets
@SnowGardener307Budgets Месяц назад
Thank you so much!!
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