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Your light up board is in super fast color change mode, I like it. You're doing great Becky!

your looking amazing, I sorry about the hard day on Sunday, as you will see in my comment on your last week budget it was a hard and stressful week for me as well and i feel like I'm treading water but still treading so yah no drowning lol

Wow! You had a lot going on! Sorry to hear about your dog!! 💕

I'm glad your insides are healing, at least the endoscopy led to good news for all the trouble it was. You're doing great Becky!

So sorry Becky for all the tough things that you’ve been dealing with this week ❤❤

Great update. See you Friday. I'm interested to see how you leverage the new car payment in your budget. Life's an adventure! 🙂

August was a rough month, but you got through with the help of YNAB and things will get better. You're doing great Becky!

Uh oh, they're feeding your sticker habit 😉 You're doing great Becky!

What a week, when it rains it heckin' pours, but you've got a plan and it's going to work and things will get better. You're doing great Becky!

I'm glad you had a great time at Mara's party, but I'm sorry you got glutened 😩 You're doing great Becky!

it's all good, lol we had another big cost come up we lost our fur baby of 13 years do to her having a bad seizer. and just off of two weeks without pay due to hubby having his gallbladder out. Man, when i Rain it Pours.....🌧🌧🌧⛈sorry to hear about puppy, I use your clever fox link for a new planner for me.

The sound is great and you're doing great Becky!

Hugs for doggy and dad 💜

I made a passport SF, inspired by you! Our kiddos will need passports very soon and instead of it "surprising" us when the time definitely comes, I'll be putting $50ish aside every month until then ✨

What will the goal of the nephew funds? To fund a 529? Or some other kind of goal?

You did set your UA-cam expenses target correctly but you were budgeting a month ahead (Sept when it’s still Aug) that’s why it was asking you to budget $20 rather than refill the $5.88 needed to make it to $20. The refill up to targets work correctly in the current month not future months.

So sorry to hear about Emmett's continuing health struggles. It's so hard when we can't explain to pets why they feel bad. For the monthly "refill up to" targets, they won't calculate correctly until the first of the month. YNAB doesn't know you won't spend anymore of that money in August, so it assumes you will spend it all until it becomes September and it sees that you haven't spent it.

Clear out YNAB and pay the rest down over time. Medical institutions are happy as long as you're paying something - at least within 60 days of incurring the charge. The discomfort of the debt will drive you to be more aware of your variable spending habits and probably curb them for a bit - that happens to me and I sock it away to cover the yuck. You've got the habits Becky, you'll be just fine. Take care.

I've been waming left and right for August 🫠

Hi Becky, praying everything is good and on track with your health. I’m so sorry for your father’s loss 4 years ago. It never gets easier. Sending hugs and prayers 🙏🏼 Great budget set up. 😊❤

Hello my sweet friend. You and the fam are in my prayers! I will be purchasing from Jennifer for next year because of the beautiful Live Rich Planner you gifted me! Thank you again! Your late daddy's heavenly bday is on the 1st of September and my late daddy's heavenly bday is on September 30! Wow. It's been 30 years and it's still hard. I get it girl. Great video. Thank you for sharing it with us! Ps.. When you pay off the debt consolidation will you be snowballing that into the Amex to pay it off by May?

Hi Becky, I was wondering if you could share the link for where you bought your Semaglutides? Thank you! ❤

Just here to say you’re doing great!! I know your health has been one thing after another this year, and you have been rolling with the punches like a champ! I’m sure it feels like two steps forward, one step back, but I can see your progress and the good things you are doing with your finances! Proud of you!!!!

Since you have a full year to build back up the YNAB category that is the first category I would tap. I wouldn’t touch the emergency fund. In fact, I would look to replace the $55 that already came out of that category this month and do whatever you can to get it up to at least $1000 this year. I wouldn’t touch the tax category either, unless you feel fairly certain that you won’t make enough through UA-cam to have to declare that income. If there is any doubt, don’t touch the taxes or you risk debt anyway. With Celiac disease it is likely you will reach your deductible most years so please consider adding a medical deductible category and start funding it ahead of 2025. It’s probably safe to assume you have a full year from now before you would hit that deductible again. You can run the expenses through your HSA or FSA account, but regardless of what account is used, preparing ahead prevents that much more debt next year. For the shortfall this month, I would get most of it from YNAB and then skim a bit off the top wherever you can; donations, annual fees, holiday, giving, etc. If you’re skimming off $10-$25 from each of those you’ll cover the shortfall in no time with less pain than adding to your debt load. At least that’s my opinion. Hopefully you’ll get enough inspiration from the comments to find something that works well for you.

I’d pull from taxes. You have several months for that and it’s not even a clear expense.

YNAB for sure. Taxes...seems reasonable as well. Protect EF...as best as possible.

Could you make a bit of extra money over the next month? Maybe dog sit or even do childcare for parents to have a night out to make a bit of extra money? Simple work but needed. A send your friend a well thought card, give them a big hug and send a card on the one year anniversay (put it on you calendar)....that means a lot when someone remembers .

I don’t normally recommend credit cards as solutions to money problems because they usually create more problems. But in this situation I would look into getting a medical credit card like CareCredit. They are cards that are specifically used for medical, dental, vision and sometimes pet expenses that offer special financing. Not all offices take them though so you would want to verify that you can use it at your specific office before applying. Also I definitely recommend using the YNAB savings to pay for this procedure. You have plenty of time to save for it again and it is likely that your billing date is going to be pushed even later with how popular your channel is. You can do this Becky. I have been watching your channel almost from the beginning. You are a rockstar.

Hey hey! It’s been a while. You want me to be an accountability partner right? Let’s get to it. 😏 When was the last time the test was done? If it was over a year, I would have held off from doing it until I saved some money. If it turns out that things haven’t healed yet, it wasn’t healed last month, the month before, or even a quarter before. It could have been delayed another couple of months since the blood test said things were going the right way. You need to work on limiting the 0% expenditures. It’s impulse spending that feels good because it’s zero percent. I get into that trap too and it ties up your available cash limiting your ability to pivot and duck when an emergency comes up. Or, at least set the rule that you have to have at least HALF the money for the purchase before buying on 0%. I’ve been focussing on my health journey and trying to build muscle and lose weight. I’m working more on body composition change now. I did get sick with Valley Fever and that has been a hinderance. 😔 Final update? I’m DEBT FREE!!!! 🎉 I paid off $67K of debt. 😮‍💨 🤗

I hope you have an amazing time, I look forward to seeing what you have come up with, for your new budget. I would take it out of taxes

I don't think you need to set aside money weekly for taxes. Assume 1/3 of what you make from UA-cam will be owed in taxes. So rather than a weekly target, set a monthly target for the week after your YT pay drops and designate a straight 1/3 of the total into your tax category. You can add an assumed amount for tax preparation or the cost of the tax software you might use. I am a full time educator at a medical school and have a very small private practice. I've been using this system for decades and it works perfectly. I always have more set aside than I need and it sits in a HYSA growing even more. It's a good system! An accountant from years ago suggested it and it has always served me well. I've never been caught short.

Hi Becky, I would pull from YNAB and honesty, from NEITHER your taxes or your emergency. I would cut dining out and any of the other non essential from your weekly budget until it's paid off. You have time to pay off a medical bill. They don't report to credit agencies any longer. Honestly please keep your emergency fund for true emergencies and start putting money back into it to have at least $1000. And you don't know what you don't know when it comes to taxes. I think you need to keep hands off of those and cut from the things you don't need to survive. Dining out, fun, etc. It's just a short season. Not forever. You can still have your full grocery budget. $400 should cover you. Keep the $20 as part of ecclesial but pause dining out, fun, any of the other variable expenses that you know you don't need right now. That's what I would do. 🙂 Great video. Have a fabulous time at the Ball and enjoy your weekend! Love ya, girl! PS. Also, you mentioned you were thinking about doing the same thing that Liz from Budget and Balance did and go over all of your CC spending. Could you do that for the Amex? It went from under $1K to over $4K in the course of 2 months. If it's not too personal, do you think you could talk about that? Might be good to get it all out?

I don’t think you touched on it and you don’t have to but if you aren’t maxing out your HSA you should look into contributing to it to cover these expenses so that becomes tax free as well. Obviously consult with a professional or someone in the know of the benefits to make sure it all works properly for your actual plan. But with that being said, I would maybe pull some of it from Taxes if that is really just money being set aside without doing the calculations to see what taxes you would owe. If you’re really nerdy with numbers you can set it all up in a spreadsheet and start calculating how much you’ll owe versus how much you’re withheld already. It can be quite complex to do but it is possible with making a few assumptions about deductions and such.

Great Stuff

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.

Great job budgeting. So sweet of you to be saving for your nephews and soon your niece! 💕

Great job with the sound!

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!

You were looking at your assigned column, Becky!!! 🤣🤣 Not your activity column where it should be!!

Yes the sound is better! I usually watch on my laptop if that helps.

Health apps shouldn't hide so much behind paywalls if they really want people to try it. You're doing great Becky!

I absolutely LOVE the way you stand in what works for you with the "just don't eat" mentality. Attempting to power through my finances and just make myself "don't spend!" was a losing proposition. Accepting that I needed a different approach was one of the first big steps toward finding what WOULD work. I just love your openness and strength around this topic!

Best of luck it helps 🤞💜🎉

i took Metformin and Rybelsus. Both paralyzed my stomach so bad. My stomach was distended and I was so miserable. You can imagine what I went through. I quit taking the metformin about a month ago. My doctor doesn't know yet I am trying to get my type 2 under control with diet. If folks want to lose weight eat meat and veggies. That's how you do it.I lost 44 lbs in 4 months. No carbs unless it was in the veggies and I ate whatever veggies I wanted. Potatoes, brocolli, carrots, grean beans etc. The weight fell off me.

I hope the new medication treats you well and works as promised. You're doing great Becky!

You're taking in fresh content and learning new things, whether it's UA-cam or books, and that's a good thing. You're doing great Becky!

Good luck with injections. I am excited about kids going back to school and getting back to the gym tomorrow. I have a good feeling I will be starting to go back down soon.

If only we loved the mold released by the rain as much as it loves us. You're doing great Becky!