- 131
- 5 713
Chat with Nicole and Budget
Приєднався 22 лют 2024
Welcome to my channel where I have been working the Zero-Based Budgeting into my monthly plan on where my dollars go every paycheck! I use cash to pay for our weekly items such as groceries, save using Savings Challenges to keep myself motivated enough to hopefully stay on track to reach my goals! I have Student Loans of $60+k, Credit Card Debt that fluctuates and a mortgage of over $400k. I hope youll subscribe and join me on my savings journey!!
Getting ready for Christmas by adding $125 into my Christmas Binder
Cant wait to finish more challenges but for now, we are adding $125, a little towards each one!
Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey!
Here are the Etsy Shops, UA-cam Channels and Challenges used or mentioned in this video:
Ellie, UA-cam: @EllieOnEarth
Etsy: www.etsy.com/shop/EllieOnEarth
Nessa Budgets
www.etsy.com/shop/NessaBudgets
My Etsy Shop is officially OPEN!! Super exciting!
chatwithnicolebudget.etsy.com
Fun Savings Challenge
www.etsy.com/shop/FunSavingsChallenge
Budgeting with Jenni
www.etsy.com/shop/BudgetingWithJenni
Luna Light Printables
www.etsy.com/shop/LunaLightPrintables
Sisters on a Budget
www.etsy.com/shop/SistersOnABudget
Simply Living Saves
www.etsy.com/shop/SimplyLivingSaves
Star, UA-cam: @Budgeting4Me
Etsy: www.etsy.com/shop/Budgeting4Me
Erica, UA-cam: @EricaBudgets
Etsy: www.etsy.com/shop/ericabudgets
Other links:
Link to my Freebies Folder on Google Drive:
drive.google.com/drive/folders/1u3RDlm7cgLc-qFMGz4-gwnBS5dteAwCS?usp=drive_link
My Etsy Shop is officially OPEN!! Super exciting!
chatwithnicolebudget.etsy.com
Cute new unicorn dice roller:
www.etsy.com/listing/1593702838/pink-unicorn-dice-tower-kids-dice-tower?ref=yr_purchases
I love snail mail!! If youd like to reach out, below are 2 ways to do so:
Chat with Nicole and Budget
PO Box 861
Beaumont, CA 92223
My email is chatwithnicoleandbudget@yahoo.com
**Please Note: I am in no way a financial advisor. I am only sharing with you what is working (or not working) for our household. Please consult a professional for any financial advise.
#budget #budgeting #budgetwithme #savingschallenges #sinkingfunds #cashstuffing #cashenvelopes #cashenvelopestuffing #savings #savingstracker #howtobudget #howtobudgetandsavemoney #debt #debtfree #debtfreejourney #studentloans #creditcard #creditcarddebt #howtosavemoney #cashenvelopestuffing #cashenvelopesystem #cashenvelopewallet #cashenvelopebudgeting #zerobasedbudget #zerobasedbudgeting #daveramsey #Budgetwithme #SaveWithMe
Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey!
Here are the Etsy Shops, UA-cam Channels and Challenges used or mentioned in this video:
Ellie, UA-cam: @EllieOnEarth
Etsy: www.etsy.com/shop/EllieOnEarth
Nessa Budgets
www.etsy.com/shop/NessaBudgets
My Etsy Shop is officially OPEN!! Super exciting!
chatwithnicolebudget.etsy.com
Fun Savings Challenge
www.etsy.com/shop/FunSavingsChallenge
Budgeting with Jenni
www.etsy.com/shop/BudgetingWithJenni
Luna Light Printables
www.etsy.com/shop/LunaLightPrintables
Sisters on a Budget
www.etsy.com/shop/SistersOnABudget
Simply Living Saves
www.etsy.com/shop/SimplyLivingSaves
Star, UA-cam: @Budgeting4Me
Etsy: www.etsy.com/shop/Budgeting4Me
Erica, UA-cam: @EricaBudgets
Etsy: www.etsy.com/shop/ericabudgets
Other links:
Link to my Freebies Folder on Google Drive:
drive.google.com/drive/folders/1u3RDlm7cgLc-qFMGz4-gwnBS5dteAwCS?usp=drive_link
My Etsy Shop is officially OPEN!! Super exciting!
chatwithnicolebudget.etsy.com
Cute new unicorn dice roller:
www.etsy.com/listing/1593702838/pink-unicorn-dice-tower-kids-dice-tower?ref=yr_purchases
I love snail mail!! If youd like to reach out, below are 2 ways to do so:
Chat with Nicole and Budget
PO Box 861
Beaumont, CA 92223
My email is chatwithnicoleandbudget@yahoo.com
**Please Note: I am in no way a financial advisor. I am only sharing with you what is working (or not working) for our household. Please consult a professional for any financial advise.
#budget #budgeting #budgetwithme #savingschallenges #sinkingfunds #cashstuffing #cashenvelopes #cashenvelopestuffing #savings #savingstracker #howtobudget #howtobudgetandsavemoney #debt #debtfree #debtfreejourney #studentloans #creditcard #creditcarddebt #howtosavemoney #cashenvelopestuffing #cashenvelopesystem #cashenvelopewallet #cashenvelopebudgeting #zerobasedbudget #zerobasedbudgeting #daveramsey #Budgetwithme #SaveWithMe
Переглядів: 9
Відео
Budget With Me for the month of August!
Переглядів 222 години тому
Budgeting for August! Lets get er done! Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are the Etsy Shops, UA-cam Channels and Challenges used or mentioned in this video: Kamiko...
Monday Minis are a new fave around here!! Lets finish a challenge today!!
Переглядів 302 години тому
Lets add $45 to our Monday Minis! Today is my 1st Monday Minis without adding towards our upcoming roadtrip since we were able to complete the challenges!! :) Which challenge will we finish this week?! Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking...
Cash Condensing, a couple new Etsy items and upcoming freebies!
Переглядів 234 години тому
Lets Cash Condense all my Binders!! The ending bill pile feels amazing to flip thru, even tho itll all go back to the bank! Every $ has its plan!! New Freebies after we get to 200 subscribers!! Almost there :) Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some...
Budget and Stuff with me! $1100+
Переглядів 344 години тому
Budgeting for my 2nd paycheck of July, along with our Room Renter’s $350 Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are the Etsy Shops, UA-cam Channels and Challenges used o...
Gotta love our Doggys! Saving $100 for them!
Переглядів 339 годин тому
Adding $100 to the Doggy Binder Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are the Etsy Shops, UA-cam Channels and Challenges used or mentioned in this video: Marlene, UA-ca...
Check out the new challenge today, in the Game Day Binder!
Переглядів 3512 годин тому
Lets play with $200 in the Game Day Binder! Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are the Etsy Shops, UA-cam Channels and Challenges used or mentioned in this video: St...
Its been a crazy week! Lets try to add $105 to the ABC Challenge
Переглядів 3712 годин тому
Adding another $105 to Fayfee’s ABC Challenge!! Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are the Etsy Shops, UA-cam Channels and Challenges used or mentioned in this video...
Whats on my Etsy?! Whats Upcoming?! Today YOU find out!
Переглядів 8016 годин тому
A video of all my current Etsy items PLUS upcoming items!! Cant wait to officially launch my new ADVENTURE Series!! Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are the Etsy S...
A spicy $45 to our Monday Mini Challenges
Переглядів 7721 годину тому
Saving $45 to our Spicy Monday Minis Challenges Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are the Etsy Shops, UA-cam Channels and Challenges used or mentioned in this video...
Can we finish any Christmas Challenges today??
Переглядів 5021 годину тому
Saving $100 to my Christmas Binder! Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are the Etsy Shops, UA-cam Channels and Challenges used or mentioned in this video: Ellie, UA-...
$200+ to the Savings Goals Binder
Переглядів 44День тому
Lots of Fun, Silliness and Forgetfulness today lol Crazy video of the Save Goals Binder Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are the Etsy Shops, UA-cam Channels and Ch...
Paying $200 towards Credit Card debt and having some fun with it!!
Переглядів 37День тому
Finishing a challenge in the Game Day Binder to put towards credit card debt is the BEST feeling!! Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are the Etsy Shops, UA-cam Chan...
Fayfee's ABC Challenge, adding $105
Переглядів 48День тому
Adding $105 to the ABC Challenge, includes an extra $4 for me to choose and an extra $5 for you to choose! Letter Choices Below :) Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here...
$20 from my Paycheck Bonus to the ABC Challenge
Переглядів 42День тому
Every week theres an extra $5 to save! Tell me in the comments what letter to save it to! Scroll to see the available letter options! Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! H...
$187 to 3 envelopes in the 100 Envelope Challenge
Переглядів 4614 днів тому
$187 to 3 envelopes in the 100 Envelope Challenge
Lets add some $$ towards saving for a Month Ahead
Переглядів 3314 днів тому
Lets add some $$ towards saving for a Month Ahead
Monday Minis!! Spicy Version, of course!!
Переглядів 6914 днів тому
Monday Minis!! Spicy Version, of course!!
Finishing some payments and stuffing my Bonuses $$
Переглядів 1814 днів тому
Finishing some payments and stuffing my Bonuses $$
Planning my 1st paycheck in July and stuffing some envelopes
Переглядів 3014 днів тому
Planning my 1st paycheck in July and stuffing some envelopes
Saving $200 towards a Debt Payment on FriYAY!
Переглядів 2814 днів тому
Saving $200 towards a Debt Payment on FriYAY!
Saving another $105 to Fayfee's ABC Challengee
Переглядів 5814 днів тому
Saving another $105 to Fayfee's ABC Challengee
Wrapping up the month of June with Finished Challenges | how many?!?!
Переглядів 7821 день тому
Wrapping up the month of June with Finished Challenges | how many?!?!
Lets see how much change we saved in June!
Переглядів 4621 день тому
Lets see how much change we saved in June!
Budget with Me - July! Plus my upcoming Etsy surprises! Very exciting!!!
Переглядів 6521 день тому
Budget with Me - July! Plus my upcoming Etsy surprises! Very exciting!!!
Its FriYAY!!! Game Day today! $200 to finish a few challenges!
Переглядів 6521 день тому
Its FriYAY!!! Game Day today! $200 to finish a few challenges!
Savings Goals Binder plus NEW Dice Roller!!
Переглядів 5121 день тому
Savings Goals Binder plus NEW Dice Roller!!
Fayfee's ABC Challenge needs YOUR help! Comment below :)
Переглядів 6221 день тому
Fayfee's ABC Challenge needs YOUR help! Comment below :)
Good Morning Nicole! I absolutely love your Christmas Binder! I need to get on the christmas binder bandwagon LOL.
Good Morning, nice job.
Hello Nicole 😊
💜💜💜 I love how you broke this down in so much detail my friend 😊. Great job!!!💜💜💜
Thanks 💝💝I hope it helps 🥰
Very interesting seeing how you do your budget. Thank you for sharing!
Thanks Aisha💖maybe Sept Ill try to keep it the exact same n see how it works out 😊🤞🤞
Watching while working.
😅😅I do that sometimes too 🤫☺️☺️
Hi Nicole, watching on Tuesday! Your videos make me smile.
Aweeee thats so sweet! Im happy to brighten your day even just a bit 🤩🤗🤗🤗
💜💜💜 Happy Monday my friend 💜💜💜
The beginning to another week! Lets make this a great one! :)
The micros are adorable!! The only thing that would make it cuter is if it had a baby sloth 😂😂
Aweee man you read my mind!! Sloth and lion 😍😍Im already working on a 2nd set 😅💝
Happy minis Monday Nicole 😊 🛎🛎🛎
Happy Monday! 🤗🤗🤗
Hello Nicole 😊
Hiiii 😊🥰💖💖💖
Micro minis!!! YES! Please let us know when they're in your shop. I have to flip flop my money, too. Great video!
Micro Minis are sooo cute! Im excited to photo them n get them listed 🤩
Hey there, here watching.
Hii! 💐💐 thanks for watching n supporting 🥳
Good morning Nicole. It's Monday, great video.
Thank you!!! After everything is all finalized and budgeted out. I always feel better😅😅 hows your budgeting going?
I was born in 89 but remember all. Technically an 80s baby but really consider myself a 90s. Was born in November can’t remember my first 2 months
Thats okay! I go back and forth lol Im technically an 80s baby, but I remember the 90s much more since I graduated in 99 lol
Great job budgeting! We were able to be under budget for food last month, so yay! Well, we were under by like $10, but hey. This month, I just announced that we should try to be under by $20. My goal by November is to be under by $60 for the month so we can splurge a little for Christmastime. I just asked how our finances are doing otherwise, but my husband says he hasn't checked so he doesn't know (which is normally how it goes). I'm not allowed to be in charge of the budget because of my TBI (traumatic brain injury) so there's that.
aweee I hope youre okay! I know its hard when youre not in charge of the finances, but being under by even $10 is really great! Always having a goal to strive for is wonderful :) Starting small, is still starting!
Hello Nicole 😊
Hey Loletha! Budgeting for anything special this summer?
I am going to pick up my new puppy. TJ, on August the 8th. This will be mine first fur baby.❤
Ohhhhh myyy gosh!!! Congratulations Doggy Mama!! 🥰🥰🥰How exciting!!🥳🤗
I took my cat to get her bootie cleaned and to get groomed in general. She got so upset and fought so much, she lost a tooth. No more baths for her 😂😂😂😂
Ohhh no! Poor babes! Yeah Ive def heard cats + water = 🚫🤣😭🤦♀️
I love the Sugar Doggy...too cute. Very cute challenges!
Thanks Aisha💗🥰🥰🥰🥰
Hello Nicole 😊 I love the doggie too!!
Happy weekend Loletha 💖💖 do anything fun?
I have one pair of shoes. I didn't see any other 4s. The hamster dot-to-dot is adorable! His face is so funny!
Glad I didnt miss any 4s 😅🥳 now onto the 3s 😁🙌
Subbie alert! Just found your channel! 😄 Having fun here, great video! 💜❤️🥰
Aweeee welcome!!! Thank you tagging along with me🥰🤩🤩🥳
Great video! The dog in the front pocket scratch off is so precious. Also I think you got all the 4s.
Thannnnk you!! I was driving myself crazy over the 4s 😩🤣🤣
Hey Nicole!! Awesome job with your ABCs! Great idea on using the extra five in the order of the alphabet ❤. I’m a nail bitter tooo!! It’s a terrible habit lol. Good luck to your daughter! Put the $5 in to “U” 😊. Great stuffing ❤12:36
Thanks! Ill add that to the voting list 🙌
Sorry to say, I had no clue what you were doing…could not follow so good luck what you are trying to achieve, but I am off.
Aweeee sorry about that!! The first video explains, called Fayfee’s ABC Challenge, but Ill be sure to explain a bit more in my next one. I add $105 here every Thursday. I hope youll join me next werk 🥰💖
You could make a buffer with the extra 5
Thank you for the idea 💖💖🥰 Ill keep that in mind 🤗
Hi Nicole! Just wanted to drop by and say hello! I'm a new subbie and new to the budgeting community. You created such cute things! I love 'em!
Aweee thank you!!! 🤗🤗welcome to the community🥰🥳
Watching at work. Love the savings land! ❤
Such a cute challenge! N the envelope! 🤩🤩🤩 my fave!!!
New Subscriber 🎉🎉🎉
Thank you for joining me in my savings/debt payoff journey! 🥰🤗🤗🤗
Thanks for showcasing your Etsy shop! That book looks great!
Im so excited about the adventure book! Itll be filled with clues and savings 😍🙌🥳
Wow! Lots of super cute stuff!! 💛💛
Thank you so much 💖💖
Hi Nicole and Happy Tuesday I was wondering when you were going to do this video lol Let’s get some extra sales for your Etsy shop my friend 💁🏾♀️ I especially like the Bible verse saving challenge that you made me
Aweee thank you! 🥰🥰🥰
Not cheating. 😊 I live in metro Phx, so I stay inside unless absolutely necessary.
I always question if its cheating 🫣😂
Hey Nicole, love your videos. Wow, those are really cool. I love the purple with the gold and sparkling swirl.
Thank you for your support! 🥰 I love the color purple….so much that I forget other people’s fave color might not be purple too 😅
Hey Nicole!! Yay!! Congrats on completing a challenge 🎉🎉. The French fry challenge is so cute! Hope you and your daughter have fun ❤ 18:37
Thanks!!! 🤗🤗Im soo excited to be able to plan the mini road trip! 😁
Hello Nicole 😊🛎🛎🛎
Hi Loletha! Yesss girl! Ring that bell 🙌🙌🙌
💜💜💜 Happy Monday my friend 😊. Here watching 💜💜💜
Thanks Kathy! Hope your Monday went well! 💖💖
Definitely not cheating LOL Huzzah! I'm glad you finally finished that challenge! Ohmygoodness! Casey Cassim (sp?)! Ah, memories. Loved your 80's stories!
Ahhh man im soooo happy its finished! Im super excited for our road trip! N yesss! Casey Cassim 🥳not sure the spelling but that was my fave thing on the radio!!
Great savings! 💵
Thank you! Glad you had fun watching 🥰🥰🥰
Hello Nicole 😊
Happy Monday! Hope its a good start to your week 💝
Watching while working. Happy Monday.
Happy Monday! Have a great week!
Nicole, your Christmas binder is adorable! Love the decorations on the front. Wow, those two $25's just jumped out of nowhere in the beginning. We save a little at a time throughout the year for Christmas but still end up with only about $100-$120 for our two boys. Happily, they're fine with getting money (which they also get for their birthdays) that they save and spend throughout the year. How have you been doing with your nails?
Thanks! My goal is $2k so I have enough for my hubby, 3 kids, grandson, 3 nieces/nephew, but also side things like our doggies, my coworkers, a couple friends, a couple sisters and then activities thru the holiday. I think it should be good tho. ahhhh man, my nails...ill update on I think Tuesday when I do my credit card update, but not so well. Good with not biting them, but theyre just so fragile. I might put the nails back on again lol well see
The missing 20$ was in the money you stuffed. You put $120 in your cash tray. Btw...new sub! Love the Rise and Slay sticker.
ohhhhh my gosh! youre sooo right! I even watched the video to edit it and still didnt realize!! Thannnnnk youuuu!!!!! Ill update my tracker :) I think I got the Rise and Slay from an order I placed with SnowGardener307 :)
❤❤ new here
aweee thank you so much for your support!! It means alot to me! I hope you have fun with me while your on your own Savings Journey! :)
Hello Nicole 😊
Hihi 🥰💗💗
Hello my friend, Great video Nicole.
Thanks 🤣🤣 today wasnt going my way 🤪 but thats fine lol
Hello Nicole, really enjoying your videos. The sum of my birth year is 25.
Its a funny thing bc if you add my 25 yr old sons together its 28, the sum of your bday year doesnt really show your age at all....can we all start going by that number instead hahahaha
@@ChatWithNicoleandBudget it would be nice to be that age again. Gotta add 21 to mine to get my actual age lol 😂.
I wish I could just stay 28! Such a great age lol not too young, not too old 🥲
The Abracadabra challenge is so pretty! Congrats on that $319 challenge!!! Also congrats on your nails! Could you put habanero sauce on them before you watch TV maybe? The sum of my birth year is 19, as well.
oh my gosh, Im over here dying hahaha yes! hot sauce is a GREAT idea bc Im so sensitive with spiciness....except on Mondays lol
Hello Nicole 😊
Hi Loletha! I hope you have fun plans for the weekend...or at least cool and relaxing ones!