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Debt is Dumb
United States
Приєднався 22 лис 2020
hi my name's Selena :]
i'm 29
my husband & i live in CA
we budget every week with YNAB
& we're saving for a home !
i'm 29
my husband & i live in CA
we budget every week with YNAB
& we're saving for a home !
YNAB budget with me ( jan 17 2025 )
we hit our down payment savings goal ! 🥳
some of my favorite YNAB channels :
@justfinance3362 @TheGoodMidlifeCrisis
@thezilinskilife @ISuckAtBudgeting @angiebudgets @RealMenBudget
@AverysMoneyMoves @PivotingPennies @cointrolfreak @BudgetwithChloe98 @ZeroBasedBudgetGirl @yrynabbff
YNAB referral link :
ynab.com/referral/?ref=HGEwbCzDgy-9cZLA&sponsor_name=Selena&
some of my favorite YNAB channels :
@justfinance3362 @TheGoodMidlifeCrisis
@thezilinskilife @ISuckAtBudgeting @angiebudgets @RealMenBudget
@AverysMoneyMoves @PivotingPennies @cointrolfreak @BudgetwithChloe98 @ZeroBasedBudgetGirl @yrynabbff
YNAB referral link :
ynab.com/referral/?ref=HGEwbCzDgy-9cZLA&sponsor_name=Selena&
Переглядів: 315
Відео
YNAB budget with me ( jan 10 2025 )
Переглядів 328День тому
so sorry about the screen recording looking a bit blurry this time ... i goofed ! it'll be back to crispy visuals next week , i swear ! hope u enjoy this week's budget though :) Selena YNAB referral link : ynab.com/referral/?ref=HGEwbCzDgy-9cZLA&sponsor_name=Selena&
my 1st YNAB budget with me ! ( jan 3 2025 )
Переглядів 69214 днів тому
kicking off the new year with a new budgeting program ! looking forward to share my weekly budgets with YNAB ... i hope u like & comment & subscribe :) Selena YNAB referral link : ynab.com/referral/?ref=HGEwbCzDgy-9cZLA&sponsor_name=Selena&
The last $300 is always the hardest to assign! ~Ernie
Congrats on reaching your down payment goal!! That’s so exciting 🥳👏
Hi new subbie here! Congrats on the huge accomplishment! Excited to follow and support your journey!
🎉🎉🎉50k🎉🎉🎉 congrats! Great bwm. Happy hump day!
Very proud of you!! 🎉🎉
🥹🥺😭 thank u tracey !
LFG!!🎉🎉 congratulations on hitting your down payment goal! That is so exciting!!! 🥳🥳
thank you ZBBG ! <3 so happy :]
Thanks for the mention. Your budget is looking great! Congrats on hitting your home downpayment goal!!!! That's so exciting! Question - does your husband actually look at the YNAB budget? Because I can't get Cody to check it before he spends money haha.
thank you Val ! <3 i added the YNAB widget to my husband's iPhone so he has his food & spending money pinned right there in front of his face ! other than that he doesn't look @ our budget at all lol
Hahaha 😂 well, it's better than nothing, right? 😅
Wahoooooooo!!! 🎉🎉 Scream and wake up your sister... she'll understand 😂!
hahaha i should've jumped on her bed !
Way to go! 🎉
thank you nanette ! <3
That’s so exciting! 🎉🎉 what an achievement!
thanks so much <3 can't believe we did that lol
Congrats on the down payment! That’s awesome!
thank you so much george ! <3
Hi 👋 new subscriber here from my budgeting channel 🤗 I like the way you break down your budget Congratulations on paying the credit card and for the home down payment 🎉🥳🎉 I am so happy for you 🥹 Keep it up 🎉🥳🥳 Looking forward to watch more of your videos 7:18
thank you so much & for the sub abigail ! <3 gona keep it at it :]
Congrats on your home fund! Maybe I’m crazy but I thought the seller pays the closing cost, not the buyer. For your sake, I’m hoping that is true! Great video!
oooh interesting ! i am so clueless about home buying so i will have to look into that more for sure thank you <3
Congrats on the down payment!!!! That’s so insane! This is why I love budgeting , you were able to save a substantial amount of money without cutting back on things like fun money and other wants!
thank you alyssa <3 yes , isn't that crazy ?! we don't make a ton of money but make great $ progress while still living :]
Congratulations on reaching your down payment goal!! You definitely want to save for closing costs. Also, the 1st month of property taxes and home owners insurance will be added to your mortgage payment, so you'll want that in savings. Also, save for any repairs or upgrades that you need to do the first 6 months (that one bit me in the butt when we bought our current house). I recommend you start a new "Pretend We Own A House" budget in YNAB. All of your utilities, home maintenance, and home decor categories will increase when you own a house. Home ownership can be wonderful, but it's also really expensive beyond just the mortgage!!
omg , thank you so much stephanie for your advice <3 we don't know anyone IRL who has ever bought a home so this is really helpful definitely want to have a healthy savings account for all expenses that come with a home 🤞🏼
@@debtisdumb You are welcome! Buy your first home is super exciting!! We were 27 yrs old and pregnant with our first child when we bought our first house. It was a HUGE learning curve!!
Congratulations on your house fund! So happy for you!
thank you so much ! <3 i'm so happy :]
Congrats on meeting your house savings goal! 🎉
thank you denise ! <3
Nice!
<3
Congrats on the down payment goal!!! 🎉
thank you jess ! <3
YAY!!! I love seeing the budgeting success of other YNAB content creators because it lets me know that my big wins are "just around the riverbend" as the famous Pocahontas once said. I obviously don't know the numbers you are working with, but I hope $7500 is enough for closing costs considering the Bankrate average closing costs for 2024 in CA was a hair under $8000. Perhaps a DP of 50k would lower it $500.
haha exactly ! thanks justin <3 i definitely have to do my research to see what the numbers will actually be like going to keep saving as much as we can so we are hopefully prepared :]
I really like how you do your rent. I might need to incorporate something like that when I get back to working on month ahead.
and congrats on the downpayment!
thanks kyle ! <3 yeah breaking it up weekly makes it feel less expensive to pay our rent lol
thank you so much ! :]
I am following the journey! 💪🏾
thank you ian ! <3 i'm following yours too :]
Congrats on the home savings🥳
thank you mia ! <3
Ugh I want him to get his $40 so bad! Updating: CONGRATS ON THE HOUSE SAVINGS 🎉🎉
😂😂😂😂
lmao this boy does not learn ! thank you ! <3
Congrats on your home savings 🎉🎉🎉🎉
thanks so much debra <3
Excited to follow along! You have a great voice to listen to for these :) It’s so nice to be able to pay for stuff yearly/bi-yearly and save in the long run - yay!
Also, Aragog ❤
omg thank you rachel ! 😄 thank u for watching my video <3
🧙♂️ ⚡️
Hi Selena, when will you start your home buying journey? You are so close to your goal!! 😊😊
shooting for this summer ! i'm really excited / nervous lol HELP
Hi Selena, welcome back!! 😊😊
hi tracey ! <3
Happy Wednesday ❤ Great job on the house fund 🎉
happy wednesday to you ! thanks so much <3
oh also, im jelly you get to assign money every weeeeek hahah. thats my favorite part of YNAB hahahah
hahaha & i still count the days till next paycheck !
Hi Selena, budget is looking good! I love the back track on the WoW subscription haha. it be like that sometimes. I hope you and your family are safe from the fires<3 Happy budgeting! :) -ZBBG
😂 i had some budget regret on that annual WoW lol we are safe from the fires , thank goodness ! <3
Hi Selena. New to your channel. Love your channel name. Great paycheck budget.
thank you for checking out my video Melisa ! i will be checking your channel when i get off of work ! :)
@ you’re welcome and thank you!
Gm Selena, great bwm! How are the conditions regarding the fire in your area.. are you pretty clear or is it smokey!? Yall stay safe 😊
good morning stephanie :) luckily we’re still away from the fires 🙏🏽 just lots of smoke & ash here thank you <3
Good morning! Keep those videos coming! I love YNAB and sharing my budgets 😊🌸
thank you so much angie ! i’ve been binge watching your videos getting caught up on my lunch breaks lol have a good weekend ! :)
Thanks for subbing! Great video.❤
thanks angie ! <3
You’re doing great with your house savings!! 😊 Hope you and your family/friends are safe with all the fires going on over there ❤
thanks angel ! we’re all still okay thank goodness just lots of ash & smoke over here <3
@ glad to hear y’all are doing good 😌
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You and your husband are doing amazing on your house fund! You are so focused on where u put your $. So many young people could learn a lot from u. Good video!😀
😭 thank you so much sue ! hopefully this time next year we will be settled in our 1st home 🤞🏽
Hey I think the title has a typo (should it be 2025 instead of 2023?) either way another great video 😊
oop , sure does 🤦🏽♀️ thank you avery !
Nice seeing u this morning! Just heading out so I will watch your video later. Have a great day!:)
thank you sue ! have a good friday <3
Have a beautiful weekend, Selena 😊
thank you , same to you Debra ! <3
ooop , i goofed the screen record & it’s a little fuzzy this week SORRY it’ll be nice & crisp next week i promise ! <3 selena
Great video!! Amazing progress on the home savings!!
thank you so much ! <3
Good to see you back. I started using YNAB in April of last year. It's great. Hope you like it! 🙂
thank you ! loving YNAB so far , can’t wait to use it all year :]
Love to see more people sharing their budgets in YNAB! Congrats on your first YNAB budget video ❤
wow thanks for checking me out val/cody ! <3 i love your guys' vids
@@debtisdumb Awe, thanks! We're happy to hear you enjoy them.
I'm already hooked on your channel! So excited I am starting watching with your very first video!
omg michael , i cannot believe u watched my video 🙈 i love yours & have caught up on every upload ! tysm & congrats on the new podcast with leila <3
Hi Michael! 🙂
Congratulations on your first YNAB BWM video! I’m hoping to start posting soon. I’m currently in the process of driving myself crazy with practice videos that I never post. Your approach with your home fund that could serve as an emergency fund may be unconventional, but I can see how you’re making it work for you. Well done! Subscribed!
Lol omg so relatable ! I was like “ok selena , one more take then you’re uploading this” lol I’ll be there when your 1st one goes up :)
love that your starting your own videos Selena! I'm the same, I'm always consuming YNAB content 😂 great first YNAB budget with me, can't wait to see your progress towards a house 🏠
Thanks for watching my video Avery ! 🥹
Happy New Year🎉
@@ScrubsandSavings21 happy new year !
Loved this video! I can’t wait to see your journey to buying a house! 😊
Thank u alyssa ! <3 i’m looking forward to all of your videos :)