I can't wait for the hand holding videos lol!!! I feel so overwhelmed and ready to give up before I even get started. I am 43 and have never budgeted before. I looked at my spending habits for the last 6 months and it made me sick. I make a decent living and I blow through money like candy. I know it needs to stop but I stress about getting organized.
We can do it Tasha!! I'm 42 and just started budgeting 8 weeks ago, using Kumiko's. I was blown away when I looked at my spending and could really understand why I kept battling CC debt. I feel so so so much better now, have built up $600 in checking account cushion, stayed free of CC debt, and am building up my business cushion and sinking funds, as well as weekly putting $ aside for the larger monthly expenses. I love love love it!! I wish I had done all of this 10 years ago, but such is life... We can only make the most of what's here now, right in front of us. You're doing to do great!
I love the new flower trackers! I definitely want to use this in my own journal (just a regular notebook right now). I really like this type of visual representation of it. Thank you!
I am so glad I found your channel. I'm over £10,000 in debt. Hate the thought of going through my finances, and my trigger for spending money is thinking about how much in debt I am! I hope your planner comes back in stock soon (and hopefully you ship to the UK) Being debt free is my biggest goal at the moment.
I would like to know how you made $56k in one month between march and april and $210k in one month from sept to oct. I may have missed the video because I am new to your channel, but I am saving for a house as well. Any tips would be greatly appreciated. Also, the budget workbook is out of stock, are you going to be getting more in stock before the end of Jan 2020?
Awesome Miko! Congratulations on meeting your house savings goal, and with your son’s college fund you will be giving him a tremendous amount of freedom and choice. He’s a lucky lad! ❤️
I tried the Mint App and online, but there are quite a few categories that needed to be tweaked and the system kept telling me bills were due even though they had already been paid. Too much maintenance needed to maintain a cure Information . Plus, sometimes the link would break with an account and I kept getting prompted to fix my sign in. I gave up on it.
I'm just wondering since its the 3rd week in December, do you always wait a few weeks to close out a monthly budget and what would be the reason for this?
Do you roll over the leftover money that you budget for groceries or other envelopes or do you just subtract that leftover money from what you are going to add at your next paycheck?
is there a way for you to make the budget planner more see able as its always getting a white reflection off it which makes it hard to see what you're on about and i cant see the numbers properly or the writing for that matter so when you're trying to explain on the sheet, it baffles me because i cant read hat you're talking about. if that makes sense. would be fab if you sorted this problem out. Thankyou.
Hi Miko Im wondering if your live rich planner will be back in stock soon? I really need an all in one planner and after all my research I think yours will be the best for me. It would be awesome to have it at the start of the year but I’ll just patiently wait to be notified by email when they are ☺️
What do you do if you have cash sinking funds but want to buy something online? Eg. Christmas savings in cash but wanting to buy Christmas gifts found online?
I don't use cash. I use a checking account for my bills and normal spending and a savings account for my sinking funds. For example I have a 'medical' sinking fund. When I need to pay a medical bill I transfer the money from my savings account to my checking account and I pay the bill. But .. I'm really confused by how I'm supposed to track this on my spending tracker 😫 I hope someone that sees this can help me 😁
I wanted to buy your 2020 book spending envelopes and sinking funds but it looks like it’s sold out or is it just not available yet? I want to hug it hard for January 2020! HELP!
Michelle Morales no the bundles sold out too. I don’t know why a person would be sold out and it’s not even January. Not good planning? Or did she just sell a ton more than anticipated??
Since TBM is a debt free company, a large quantity are not on hand year round. Instead they have launch dates. This year, there were XX amount of each item available. I believe on Instagram, she said they sold out of many items during the Pre-order.
