My 2019 Year End Review 

So glad you were able to get that money back!! ❤️❤️

Oh wow!

Thank you!!! ❤️❤️

Niamh Cooney agreed, love this hairstyle!😍

It says £4000 a year so that's over £300 a month just for her and her son.. I feed a family of 2 adults and 2 kids for £400 a month..to me her food budget is big lol

@@rosegold6530 it's her, her fiance, and her son. Maybe her assistant Ryen too.

It's just me and my son who I have every other week. Also, I did quite a bit of travelling for business purposes in 2019 so that cut my food expenses drastically :-)

Some banks let you, like Ally online. You can open as many as you want - no limit! Miko saves cash in envelopes.

Yes, my credit union allows me to :-)

@@jenniesgenuinegems Not only does Ally let you open multiple savings/money market/checking accounts with no maintenance fees, they have started rolling out "buckets" within their savings accounts. Buckets are effectively envelopes, and you currently can have up to 10 buckets per account. For example, you can have a "Personal" savings account with buckets for your emergency fund, kids, pets, gifts, and vacation; a "College" savings account with buckets for tuition, room & board, and books; and a "Business" savings account with buckets for payroll, taxes, insurance, and supplies.

You can have multiple accounts with most institutions. However, you need to be wary of maintenance fees and the conditions surrounding them. Major brick & mortar banks often require a qualifying direct deposit of a certain amount per month (e.g., a single deposit of $250) or a certain minimum daily balance (often $1,500) to avoid a monthly maintenance fee (often $12). Generally speaking, Credit Unions are less likely to have maintenance fees associated with their accounts. Sometimes they will give you a higher interest rate if you maintain a certain balance, or make a certain number (typically 10) debit card, or "signature" transactions per month. This is surprisingly easy to cheese if you check out each item in your cart individually, or if you replenish gift cards $1 ten times instead of $10 once. There are tons of online options with no maintenance fees. Wealthfront, Betterment, Ally, Discover, Marcus, and Simple all come to mind off the top of my head. Some online services may have tiered interest rates depending on account balance, but they all should start around 1.6% APY for their high-yield savings option (compared to around .03% for brick & mortar banks).

Not till next release in October. But you can still buy the digital one and print it out.

She said she would in a previous video!

Coming in October 😍😍

He completely understands! From a young age he's been very involved in my budgeting and debt payoff journey and he's even to the point that he asks me to make him trackers for things that he wants to save for 😍

My husband and I only started our journey a few months ago and trust me my teens were used to getting what they wanted when they wanted. We even affectionately nicknamed them bourgeois babies. But I sat them down and told them how we as parents had gotten it so wrong and asked them to help us change our ways. They even watched a few cash envelop system videos with us. My teenage daughter has become a budget corporal...constantly asking me if I really need that item, comparing prices, etc., and she has started her own envelope system for her part time after school job. I am so glad we did this, now there is a chance they will never face the large amounts of debt that her generation is likely to rack up. I wish my parents had shown me this when I was her age. We were wrong to teach them if you want it you just get it. Everything has a cost!

My daughter is 6 and shes always asking for things i told her that if she wants to go on all of these vacations shes asking about that she will need to give up going out to eat she understands in the moment but when she's hungry it all goes out the window and a fit brews

I expect by putting a huge chunk of that 31k savings into his college fund instead. Better to make a debt free adult than a 7 year old boasting the latest nike shoes or video games

She showed out of the 31 how much is going to the 529 savings - it’s 1400 something-

AND investing in sports , or art, or music classes/programs is part of the stuff I was referring to.. I learned long ago from a Ted Talk or something like it : that whatever you are spending your money on is = to what actually matters to you ... as a matter of fact I think miko says the same thing in her videos ... so I’m just wondering HOW to even the luxuries for ones self with the kids having to feel like they are doing without ..

She scans it and saves to a flash drive

So with the sinking funds, yes you would keep them in their envelopes until it's time to use them. If it's something you have to book online, I'd make the online purchase using your checking account cushion then deposit the cash from your sinking fund; or you can plan the trip, get exact amounts, then deposit the cash, then book it. That's an option if you don't have a checking account cushion to make the initial purchase. Hope that helps :)

Yes, thank you!

I don't, but in 2019 I traveled a lot for business purposes so that definitely cut down my food budget as well!

October is the next launch for the physical workbook, and until then the downloadable is available.

I have a checking account cushion, so my checking account doesn't ever actually hit zero. Your cushion is counted as one of your bills. This also covers if a bill is more than what was budgeted and saves you from overdraft fees. :-)

They are available in BBP Central for anyone who has purchased a version of the Budget by Paycheck Workbook

You can get the online one now. The physical one comes out in October.

Miscellaneous.

The physical version is sold out until October, but the downloadable is always available until then. :-)

@@thebudgetmom thanks I'll just write in down in a notebook..I'm just starting to save for 2020..I'm going to get more serious about it..I'm going to write down everything I'm spending...you have inspired me alot..thank you ❤ from California.