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Wow - so much to comment on with this one! :) First of all - that is absolutely amazing that you and your family went skydiving!! You are far more braver than I am. Good for you!! Very cool. Secondly - loved seeing the progress on the greenhouse. Its coming along despite the slight setback with the broken windows. Thirdly - That's wonderful progress on your emergency savings!! And way to go on completing your July savings! I think 10K is a great amount. I love the month ahead idea. I'm currently working on my initial 3K emergency fund and then I need to beef up our vehicle repair sinking fund - as that really took a hit this summer with all of the work we had done - and now we need winter tires for both vehicles. LOL! And THEN I'm going to concentrate on the Month ahead binder. Thanks for the great content - enjoy the rest of your Sunday -its been hot and sunny here today too!

I missed watching this one, this week - so catching up now! Great progress on your emergency fund savings - what is your goal for that one? I can't remember if you've said at one point.

Happy weekend! Hope you have a great one!

Hello Jillian! New friend here to support you 😊

Good Morning friend. We follow Dave's Baby Steps as well. And it is amazing and it works. Great job.

I've been trying to build up my personal spending money envelope as well, as I am saving up for a conversion kit to turn my bike into an e-bike. 😊 Way to go on your 3 weeks of no spend.

It's rained here SO much too! Can't wait to see greenhouse progress - but I totally understand your husband not wanting to be in front of the camera. I'm the same. Pictures of the greenhouse are fine too , if you don't feel comfortable doing a vlog style video! :)

Happy Friday! Great video, as usual!

Hi Jillian, great BWM, congrats on ur pay increase and your new stove! Im sorry you had a hard week last week, hopefully this one is going better for you.

Good Morning friend. Great to be here watching. I love the buffer, that really helps.

GM Jillian, great BWM!

I should really wait until I watch the entire video before posting comments because you answered my question about the greenhouse. LOL! I would LOVE to see footage on the greenhouse!

Happy Canada Day!! I must have missed a couple of videos - because I have no idea what this greenhouse project is. Are you building a new greenhouse? If so, SOOOO exciting!! We don't have the space for a greenhouse but I sure wish we did. Do you garden vegetables?

Good Morning, Happy Monday!

GM Jillian, great BWM!

Great cash stuffing!

Hi, great BWM, hope u had a good weekend!

Great cash stuffing!!!

Great unstuffing!!! Hope you're having a great weekend.

Great video! Have a great weekend!

Love yr planner thx for sharing❤

Hi, great monthly setup!

Great debt payoff, im sorry about your injury and career loss. You've been through a lot, im sure you can do it if you keep pushing forward!

Hi, new subbies! Great bwm!

oooh - those heat pumps are expensive! Hopefully you can find a better price! Great vid!

Good Morning, watching while I have my morning coffee. Great job.

Hi! ❤ 3:12 bankfees can be real high here in the Netherlands as well. 😢 Thank you for sharing. 10:59

Do consider better draw string drapery rods; the tend to come with a center, right, or left side pulls. The better rods will enable heavier drapes. The even better rod systems will enable a drape facing the roommside, a drape liner, and a curtain or sheer; some used to offer 4 layers with a curtain and also a sheer. Maybe install in one room that you can buy off the shelf window dressings (drapes, curtains, sheers) for to see if they would work for you aesthetically and elsewise; pick one of the hottest or coolest rooms; thtift store window dressings would make the trial even cheaper . Once you get into the world of custom drapes, things can get expensive. Also look at box valances. Many call for 1"x4" or even heavier wood, the accompanying hardware, paint, and upto big holes through the walls. They cannbe made from art and stationery store foam board with much less of all the rest including cost.

Good Morning friend. Love the set up.

Good Morning, watching while I have my coffee.

Great video! ❤ 5:46 that's great to hear that you still had money over for your buffer. 7:38

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Good morning, catching up on videos.

I like how you've established caps on at least some of your sinking fund envelopes. This allows you to have money set aside and also redirect cash flow to other envelopes/ sinking funds. Consider also writing mini-budgets for your sinking envelopes. I'll pick on Christmas. A budget for Christmas would include a list of people you want to gift and then a maximum amount each. If the Christmas budget is to include decor and decorations, a maximum for that. Some include stocking stuffers, extra holiday groceries, extra holiday eating out, travel costs for gatherings, and so on. Which brings us to another good thing to do with the assorted savings envelopes and sinking funds. And that is to WRITE a description of what each envelope is to cover. As the sums accumulate, the debt is paid down, and income changes do be sure to review and adjust both expectations. For example the Emergency Fund is sort of an undesignated buffer against all things. But if you move beyond regular maintenance and oil changes in the car maintenance fund to cover semi-major routine bigger ticket things or semi-major repairs (ie brakes, tires, etc..) then caps and designations can begin to change. As you begin to accumulate enough money to take care of the more planned things in the car maintenance fund and be able to replentish things like oil changes, you may decide to make the car maintenance fund also cover unplanned, more major repairs and also maintenance like a timing chain and/ or water pump replacement. In turn, this may affect the emergency fund needs. Similarly, house repairs/ appliance replacement and health funds can begin with a limited set of expectations with the general emergency fund taking up the slack as needed. As/ if dollars accumulate in these categories the expectations of what each category's fund is cover should be reviewed.

I like how you slashed the $20 on anniversary, left it in without whiteout, and visibly changed the other 2 line items. In a month or two you will be able to readily see what was done. It will be possible although with maybe a little more struggle to tell in a year or few too.

Congrats for staying on/ within budget on the hectic days and weeks. It is so easy to reach for convience and also not think as much before spending.

On or off camera, consider a debt interest tracker. Using the statements and being off a kiss with respect to the dates is fine. What you want are the dollars of interest paid on each account in a manner that you can compare one debt to the next. Exactly how you set it up depends upon how the debts accrue interest. For example daily compounded interest accounts are a little more complicated because principle only payments cannot be made yet the earlier you make extra payments the fewer interest dollars you will pay in the end; every extra payment has an interest charge for the daily interest added to amount owed upon which one pays interest the next day. Seeing the amount of interest paid in dollars compared to the amount that goes to principle of one account compared to another can impact decisions about which accounts to make an account of emphasis. It can impact a decision to make a windfall extra payment along the way (even a modest amount); and generally continue in with the old minimum payment to make better headway.

Super congratulations on all this debt payoff! It sounds like you are snowballing the sum of the minimums of the paid off debt towards additional debt pay down. But in terms of mental health worries, being able to handle bumps in the road of unplanned expenses, and anything related to a month ahead fund - You are now obligated to a much smaller monthly budget. Don't forget to count reduced mandatory monthly minimums among your wins. As you tackle larger debts with minimums based upon the balance owing, keeping cognizant of the creditor's minimum payment reductions can be additionally motivating.

In this video you keep saying you've paid of X% "in the first year since January". I think it is actually the first quarter of the first year. If so even more amazing results than the first year.

Without knowing (wanting or needed to know) the specifics of your accumulated back injuries - please, please use your medical knowledge to keep plugging away at continued back healing and health. Most long term medical studies are 18, 36, or 60 months long. Having known individuals with a number of different, what I will collectively call mobility and strength issues in my medical ignorance, the body is a miraculous thing and over time it can often do far more than what they say can be done. Of course not always but where there's a will there's a way with alternatives to be learned. You may not be able to attempt a 2 person lift of a 400 lb type person, but you may surprise yourself without further injury. It is all the more important as you now doing the desk jockey thing.

A number of people took the bulk of their tax returns, bonuses, and other "windfall" money to pay down debt this year. It seems more people put more of thier windfall money against debt this year than last. I congratulate you for doing so. If you think of it as an investment, folks generally get a far higher rate of return in terms of interest dollar savings than most other legal investments when they pay off debt.

Good Morning, 1st here. Great job.

Great job sticking with your budget!

Great budget video! ❤

안녕하세요^^ 영상 잘보고가요🤗🇰🇷

Good Morning, Happy Friday!

Oh my goodness, that is so so very exciting that you will go to Holland as a family for the 80th anniversary of Liberation Day!! Have you ever read the Hiding Place?? It's my all time favorite book. Someday I will get there to visit the Ten Boom home, where they hid Jewish people and which is now a museum. Will you have a chance to see that?? I think history is so important to study and remember. WW II is probably my favorite era to study.

Great video!!!

Hello! New subbie! 💚 💚💚💚

New subscriber. Great cash stuffing!