Тёмный

NOVEMBER 2024 BUDGET || TRYING NEW THINGS 

Katie of the House
Подписаться 3,7 тыс.
Просмотров 2,3 тыс.
50% 1

Опубликовано:

 

29 окт 2024

Поделиться:

Ссылка:

Скачать:

Готовим ссылку...

Добавить в:

Мой плейлист
Посмотреть позже
Комментарии : 77   
@PenniesNotPerfection
@PenniesNotPerfection День назад
Trying new things is always a good idea! I've gone through so many evolutions of how we budget, manage money, etc. Life changes!
@Jayvazquez15
@Jayvazquez15 22 часа назад
I just put $997 on my car loan and have $3,600 left on the loan, I’m trying to pay it off by the beginning of next year and would like to use some of that money to invest!! Great video
@curvyechronicles
@curvyechronicles 4 часа назад
Love this! I mean I’m a sucker for all the different colors 🤣🤣 And YES go all out for Xmas!! 🎄
@thomaschew2191
@thomaschew2191 23 часа назад
I think that one of the hallmarks of someone destined to be successful with money is organization and you Katie are organized! Today Sue and I hit a milestone, our middle bucket, (our former emergency fund) hit $50K today. This seems impossible but here we are. Dream Big!
@cleanwithmimi
@cleanwithmimi 5 часов назад
Happy Wednesday katie! Im here listening while I clean a house . Have an amazing day! ❤
@budgetfor5withstephanie
@budgetfor5withstephanie День назад
Hi Katie, i love the new spreadsheet and the changes w the revolving funds! So exciting about Fedloan 5!!!! Looks like ur planning for a great month!
@JohnB-001
@JohnB-001 День назад
I like the changes. I just list quarterly/semi-annual/annual bills (divided by their respective pay cycle) and a home maintenance line item under my fixed costs. I have a travel fund that's listed under savings, but I consider as guilt-free spending when I look at my percentages. But we aren't managing cash flow right now, it's all just accounting, otherwise I'd be more careful about the infrequent bills.
@shawnaturner8309
@shawnaturner8309 День назад
💕💕💕
@KatieoftheHouse
@KatieoftheHouse День назад
Happy Monday, Shawna!
@wunderwriter1
@wunderwriter1 2 дня назад
Always great to refresh the spreadsheets and start the new year with a different perspective. I get bored every once in a while and change things up just to keep me engaged 😊. Keeps things interesting! I like the changes, hope they work out great for you!
@KatieoftheHouse
@KatieoftheHouse День назад
Thank you, Laura! I think boredom is definitely a huge contributing factor for me as well. I like to change things up every now and then because it keeps me excited 😄
@terryhenderson424
@terryhenderson424 2 дня назад
I went back and peeked at the Q3 Update video and the Highlander numbers. Yes, they are older but in Q3 you paid off a rough @$2100 during the whole quarter of 3 months. Per this budget, you're on target to pay off a rough @$2100 in one month! Its astounding what the snowball method can do for traction on the bill of emphasis.
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
Yes! Its so nice to free up money by paying off debt so we can make the next one go even faster 😃
@thebudgetevolution
@thebudgetevolution 2 часа назад
Hi Katie 👋 Ty for sharing 😊
@reneeslembarski
@reneeslembarski 2 дня назад
Really like your idea of the “revolving funds” label! Definitely going to incorporate that in my own budget, as it’s been annoying me calling sinking funds “savings” when so short term. 💚
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
Yay! Glad you like it! That’s the exact thing that was bothering me.
@catwatches8690
@catwatches8690 2 дня назад
Great video. Love the new spreadsheet. I love numbers. I constantly adjust and update my budget.
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
It’s just fun, isn’t it?! I love playing around with numbers, too 😄
@FIRE_DrNinjaTurtle
@FIRE_DrNinjaTurtle 2 дня назад
My spreadsheet is 15 years old and it has changed many times, as I have built wealth. It is still changing
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
A good budget should be flexible, right?! That’s awesome that you have made it work for you for 15 years 🤩
@BudgetStuffSaveRepeat
@BudgetStuffSaveRepeat День назад
I love this part of budgeting when it can show me when something will be paid off…. I love how you know that November is the date for this loan to be paid off and you will move any money around to get it done.!!!
@Divasbudgeting
@Divasbudgeting День назад
Thank you for walking through a budget I appreciate it so much😊
@KatieoftheHouse
@KatieoftheHouse День назад
Thank you for watching, Eva! ☺️
@budgetlifewithpaula1670
@budgetlifewithpaula1670 2 дня назад
Katie I think trying ways to make managing your money better is always a good idea!! I like it!👍🏾🌸🌺💖
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
Totally agree! Simple is usually better in my book 😄 have an awesome week, Paula!
@CashMoneyBudgetswTee
@CashMoneyBudgetswTee 2 дня назад
I love the new spreadsheet ❤
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
Thank you!! I think I do, too ☺️
@authenticallyallison
@authenticallyallison 2 дня назад
Listening in as I go through almost 700 emails at work 😢 I'm glad you are tweaking things to make it easier and to eliminate mistakes 🎉🎉
@tracyreaume6451
@tracyreaume6451 2 дня назад
700!?!? 😮
@authenticallyallison
@authenticallyallison 2 дня назад
@tracyreaume6451 lol yea I was out Wednesday through Friday. It never stops
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
Oh no, so many emails! I’m glad I could keep you company through part of it at least 😩
@faithbydesignXO
@faithbydesignXO 2 дня назад
Morning Katie!! Trying new things is always great. I plan on trying out some new things especially with sinking funds and being more intentional! I’d pay off the car loan first too!! 🌻💜🌷Have a great week!
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
Thank you, Imani! I get bored easily if I don’t switch things up now and then 😅 I hope you have an awesome week, too! ❤️
@catgodfrey6451
@catgodfrey6451 2 дня назад
Great video. I agree with the payoff order. Happy November😊
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
Thanks, Cat! This way just makes the most sense to me ☺️
@SaraBudgetOrganized...ish...
@SaraBudgetOrganized...ish... 2 дня назад
Great way to update your spreadsheet as you need it! It's always nice to see improvements. I update ours as needed as well. I agree on the order for the debt payoff, but then what I say isn't important. What's important is flow you guys feel about it. Can't wait to see how much you guys can put towards the highlander November as that would mean that you're done with Mohela🎉
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
Thank you, Sara! I always love hearing different thoughts and opinions on finances because sometimes people do bring up solid points that I did isn’t think about before. I’m already looking forward to Marc’s first November check. If all goes well, we’ll be able to say goodbye to Mohela with that check 😄🙌🏼
@elizabethh.3624
@elizabethh.3624 2 дня назад
I like it Katie! I pointed out a couple months ago that labeling sinking funds as savings doesn't really show an accurate picture because sinking funds is just deferred spending. At the end of the day, money is just money...we can label it however we want but I agree, this will show you a more accurate picture of what you are really spending.
@elizabethh.3624
@elizabethh.3624 2 дня назад
I'd probably put boy school saving into revolving fund as well, that is all getting spent within a year. But however it makes sense to you makes sense.
@ancileah85
@ancileah85 2 дня назад
Love the new Budget template. Will you are it available to us? November is looking good.
@KatieoftheHouse
@KatieoftheHouse День назад
Yes! I remember! You were one of the people who got me thinking about making a change. The only reason I’m hesitant on switching that school to revolving is just for privacy. I’m not sure I want to share the total cost of school, so having it in savings kind of prevents that, but you are right that it would make more sense as a revolving fund as far as it being more short term savings.
@FiguringOutRetirement
@FiguringOutRetirement День назад
Hi Katie! Paying off the Highlander first is a great idea. Christmas is for kids! Spend what you want!🥰 I do love the revolving funds versus sinking funds. You are doing a great job! By the way, I learn a lot from your comment section too.
@terryhenderson424
@terryhenderson424 2 дня назад
I like tne refinement of the sinking versus revolving funds. When a person starts out with minimal savings and minimum payments up the kazoo every dollar set aside IS savings. Then as they get to the point they can breath a little with a puddle of money likely to cover thier revolving expenses on time without a couple of mestless meals plus get into a rythmn of allocated set-asides so that the next time wont be a scramble, then tranditioning into revolving funds makes sense.
@KatieoftheHouse
@KatieoftheHouse День назад
I like this way of thinking. It’s kind of like I graduated 😂 Thanks, Terry!
@poderosafinances
@poderosafinances 2 дня назад
Love the new temple colors combo and layout. And yes claim it into existence that you are going to pay off that loan even before your deadline. Working on my November budget as we speak ! My husband is also geeking out for his new game and set up like Mark
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
Nerdy husbands really are the best though, aren’t they?! I’m glad you like the new layout! 😄💛
@BudgetingOver40
@BudgetingOver40 2 дня назад
Hey Katie👋🏾. Great video. I love the new spreadsheet.
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
Thank you! I think it will work out nicely ☺️
@terryhenderson424
@terryhenderson424 2 дня назад
A budget and budgeting format are your tools, you own, and ypu get to make the rules for. (When starting out there is a definite advantage to utilizing other's forms as you learn the process of purposeful spending as well as budgeting; switching up forms until you find what works is often a good thing too.) Overall, i do like the new spread sheet. I recommend that at least once per year you do a full break-out of your subscriptions in a set of cells off to the side, aniyher attsched slread sheet, or evennin a separate slresd sheet. Also that you update the subscription break out at the time things change. Once a quarter, do spend the time to read through the subscription breskout list. Optionally, keep all the subscription breakouts off camera.
@debratakagawa4764
@debratakagawa4764 2 дня назад
The changes seem more concise. Bye bye fed loan 5 glad to see you go.
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
Yes, Hopefully this will make things a bit easier. I can’t wait to kiss that loan goodbye 🙌🏼😃
@ScrunchyPersonalFinance
@ScrunchyPersonalFinance 2 дня назад
We spend a lot on Christmas too. Kids are only little once and while we spend a lot on holidays in the last quarter of the year, we make up for it by being more frugal from Jan- June
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
Yes! Exactly! I feel like we are already putting off vacations, and I don’t want to sacrifice Christmas as well 😫
@Crystal-je7gx
@Crystal-je7gx 2 дня назад
Oh thats interesting i just revamped my spreadsheet as well. It was driving me nuts that i just had one big lump sum in my hysa i kind of has a few categories for yearly things and i never really liked sinking funds but something marissa said in her last video really got me thinking that i need to keep better records of what my money is sitting there for so i have some revolving funds now too which are medical car insurance rental property balance and savings not categorized. Its a bit messy at the moment but its already very helpful.
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
I’ve thought about just having one big fund for everything, but I know I wouldn’t save enough if I did it that way. I really like having assigned categories. I’m glad you are finding it helpful, too! I love Marisa’s channel by the way 😄 she was one of the first finance channels I started watching 💕
@MomOf2Boys19
@MomOf2Boys19 2 дня назад
I'm always changing my spreadsheets and keep looking for ways to improve it.
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
Yes!! 🙌🏼 I think it’s fun to change things up every now and then! 😃
@buyerclub2
@buyerclub2 2 дня назад
I agree in the order. Fed 5, Highlander, then lastly SOfi. Sofi, is the one I have mixed opinons on. Whether you focus on that, or just pay min. and iveset the rest. Whatever makes you the most comfortable is probably the answer. I would try however to get the car loan paid off in 2025.
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
Definitely! I could maybe see us slowing down on SoFi a bit since it’s a lower interest, but we’ll see how it feels once the Highlander is gone ☺️
@mrachel3
@mrachel3 2 дня назад
You’re doing the right thing by paying off the car first.
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
Thank you! I think that’s definitely the best choice for us ☺️
@ShannonsBudgets
@ShannonsBudgets 2 дня назад
Listening from work, great video ❤❤❤
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
Have a great work week! 💕☺️
@Cclaudia228
@Cclaudia228 2 дня назад
Stick to your plan and pay off the Highlander! You did the hard work to refi the big sofi loan would I would take advantage of that for as long as possible
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
So true! That 3% difference in the interest rates makes a difference! I’m ready to start on the Highlander for sure ☺️
@kristennegrotti7354
@kristennegrotti7354 День назад
I love this format! Any chance you have it shareable?
@joeriveracomedy
@joeriveracomedy 2 дня назад
My november budget changed. I had to finance a Jeep. I gave my brother my commuter. His broke down. Didn't have the cash on hand.
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
Oh no, I’m so sorry! That’s stressful 😩 we’ve been there, too….not fun!
@michelled9819
@michelled9819 День назад
This just went through my head... "Ninety-nine thousand of debt on the wall, ninety-nine thousand of debt, take one down, pass it around... ninety-eight thousand of debt on the wall!"
@haileyreign
@haileyreign 2 дня назад
Hey Katie! Happy Monday! ❤😊 I hope you do like this tracking set up! I have to put revolving/sinking funds as a different line item too so I won't get sad when my cash reserves total goes down 😂😂😂
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
Haha that’s another plus, too! When I use them, it won’t feel so much like I’m draining my savings 😂
@elizabethreads0312
@elizabethreads0312 2 дня назад
I think it’s cool that you will only have one debt left at the end of 2025. Keep up the hard work.
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
Thank you! That will be so nice to just have one!
@angbudgetanddebt
@angbudgetanddebt 2 дня назад
I like the changes. Would you be willing to share this spreadsheet with me? Not for my channel but for personal use? It’s ok if not! Still here cheering you on! I feel the same way about Christmas, judge me but I love Christmas! Ps that mandatory donation is crazy!!
@KatieoftheHouse
@KatieoftheHouse 2 дня назад
Of course, Ang! And I don’t even mind if you use it in your channel. Can you just email me and I’ll send you a copy? It’s my channel name katieofthehosue @ gmail ☺️
@terryhenderson424
@terryhenderson424 2 дня назад
OMG - Per the budget, clearly Fed loan #5 will be paid off in Nov '25 even if the numbers make you shuffle funds a little between Fed loan #5 and the extra to the Highlander. Always, it is a good thing to call creditors to find out what the final payoff amount will be and by which date. Given what all ive heard and read, this is all the more important with Mohela; there are a few personal debt creditors whose reputation proceeds them as well. IF there is a hiccup with a Nov payoff of Fed loan #5, don't beat yourself up. Potaetoes, po-tat-oes, it looks like the sum of the debt payoff money will be going to extra Fed loan #5 and extra Highlander debt either which way.
@KatieoftheHouse
@KatieoftheHouse День назад
I’m so excited for that one to be gone, Terry! I really do want to be done with Mohela. However we have to shuffle money around, it’s going to be gone in November for sure 😄
Далее
Budget 2024: Financial Planning Implications
10:12
Просмотров 11 тыс.
November 2024 Budget with Me, with NO INCOME...
8:56
Просмотров 2,8 тыс.
You Can't Make Enough Money To Outrun Your Stupidity!
2:04:45
Payday Routine: Do These 4 Things After Getting Paid!
16:16