Hi Becky. Great video. Have you considered adding more sinking funds that are saved for "just in case" purposes? Like, "home maintenance" which would be used for home improvements, home repairs or appliances, etc. That's a for instance. Another good one is clothing. Similar to your vehicle maintenance fund, would be used when you need it. That way your emergency fund can be used a little more finite. The chair for your mom, for instance. If you had a "mom" category or "furniture and electronics" you could have that fund for when/if you needed new furniture or a new laptop or phone, etc.. Even little things like phone chargers. The Mom one could be for anything really, taking her out to dinner on the fly, buying her something just because. Adding more to propane if you don't have enough one cycle. I'm thinking $5 or $10 a pay for each. That and as you don't need it, it can build. Or be used to roll with the punches if you don't have enough in any given category. Please try to get a month ahead with your emergency fund for starters and then 2 or 3. That might serve you a bit better. Just some thoughts that have helped me on my budgeting journey. Also one last thing. Since you attend events like your church retreat once a year and the ice ball, why not start saving $3 or $5 a pay or a month for them in your "true expenses". Then if for some reason you don't attend, you can use it for another purpose, like Christmas? Or gifts. Since that's your love language. What is your average spend per year for Ice Ball? The whole thing? Dress, hair/make up, donation, ticket, everything? $400? If you started saving $15 the pay following ice ball you'd have $400 saved by the next ice ball. Not sure how much you spend, but curtail. Just some additional thoughts. Hope you have any awesome weekend!
Ohh, I had not thought of doing an Ice Ball sinking fund but that is a FANTASTIC idea!! Thank you so much! I will add that in right after this year's ball ❤️ I do have one for clothes and, fortunately, even with my purchases that I made I didn't go over on that one. A just in case one is a great idea as well, maybe I should start adding to my "Forgot to budget" more. Getting a month ahead is always my goal, I'm really hoping that once my car is paid off...and if I can keep him running...that will be in the next year. ❤️
Lol, OHHH!!! Thank you, I was obviously not all there when I was filming this 😂 I was like...why doesn't it show my transactions? I know I add notes in my memo lines...
Yay!!! I'm not gonna lie, I was a little proud of myself for figuring that out 😅 Who would have thought you have to drag the microphone sound DOWN to make the input sound LOUDER? 🙄
Aww, thank you! I am so thankful to be able to plan for their futures in a way I wish someone had done for me. (Not that I wasn't super blessed with my family, just not with 💲💲)
Omg, you're so right, how ARE you suppose to reheat food that's already been cooked without a microwave? I guess I would've gone the catering route and used gel flame cans under a waterbath to reheat my food.
Lol, right?!? I didn't realize how much I was dependent on it until it was gone 😅 That's a great idea! Hopefully I won't need it any time soon but I will definitely keep it in mind for the next time I find myself microwave-less.
