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It’s great you are tracking this level of detail. That roof costs is really significant. We replaced ours years ago and was no where close to that. But like everything else with costs, it’s all gone too high!

Would u consider pulling out $750 from your emergency fund to pay in full Student Loan #2? As it's such a small debt & u are only paying interest on it; isn't it wiser to just knock it out?

$44,000 for a new roof!!! That's unbelievable! 😱

Why do you think people can't retire or retire poor!

Hi Mrs K, great update!

I have also taken advantage of the low interest rate of a 401k loan. That's the one thing i disagree with on the dave ramsey method. I understand why he hates 401k loans and his thought process on keeping your 401k intact due to stock market gains however because the loan is a very low interest, and it all 100% goes back to your own account. That's a terffic option, in my opinion

I think it's smart to pay your student loans like you do. Intrest are a pain to pay

Subscribed! I love that you’re a digital budgeter. I am too and there aren’t too many on UA-cam, so it’s nice to see someone I can relate to doing this.

wow mrs K im sorry to hear about the trouble with your pump/filter. Have you tried to go to the local pool supply near you?!

Great June budget.

I like your budget template but how do we use since it a view only

Good job with the savings for your roof 🙂

another great BWM mrs K! I hope your June goes well :)

I love your to see your videos and to see your roof savings increase. Thank you for sharing 🙂

Good morning, Great video ! We do something similar. We both need our own "mad money," as my mother in law calls it. 😊 my husband has his own account for spending money for his bicycle hobby, etc... a set amount goes in every week, and he is free to do as he wishes. We started doing this about 3 years ago, and it works out perfectly....he has learned how to self budget his account so he never has to ask me if we have the "money" for something that he wants to buy.

Great check in Mrs K. I'm glad your pay is back to normal!

Glad that your pay is back to normal! May was very spendy for me, but I'm ecstatic that I was able to pay off a lot of debt! 💛💛

That's a big nr for your roof but you have come a long way in a very short time but i convinced that you gonna fix that before April 🙂

Grat check-in, thats great news about the savings on your insurance due to the new roof!

Hi Mrs K! I love your top!

Hi, I analyzed your UA-cam channel Your content is very nice. I found some problems. This is why your videos are not getting enough views and subs, Need Some Important updates. are you currently interested in expanding your channel's reach and gaining more views? Let me know if you're interested.

Really enjoying your videos! Can you share why your husband keeps a portion of his paycheck for his own personal spending and savings and not grouped into the family budget? I hear you mention that in your videos frequently. Thanks

Wow! That's pretty cool about getting gas for the first time this year! Looks like you found a rhythm. 💛

Great check in, it was tight but it all worked out, sounds like our April lol

Congrats on 100 subbies mrs k!

Tight, but you did it! Way to get through tough times! 💛 Thanks for sharing.

Great video! May is also a magic month for me . I am really trying not to spend any of that pay. I haven't added it to my budget yet. I'm going to try to pretend it's not there and then use it to create a month ahead fund.

Pretty interesting way of budgetting. And I kinda like the spreadsheet. Only things I would be missing is: - some kind of way to know what the money was actually spent on, for future ref - a yearly overview, with some charts possibly The system I am using right now doesn't do the sinking funds which is something that im missing as i try to justify my spending on non essentials. I do have a couple questions about the template tho: 1: with the sinking funds, whats the "actual" column ? if you budget 100 for home, when will the actual be different? isn't it just a virtual envelope ? 2: does having a "goal" in sinking funds not mean that you also treat it like a tiny savings ? 3: How do u do rollovers from year to year ? just fill in the current value from last years dec tab into this years jan tab ?

GM, great BWM! hope you have a great month!

I am glad I found your channel, I really like your spreadsheet! I too will have a 3 paycheck month and will have quite a bit of overtime on those checks. I have a very basic zero based budget where I pay my bills and leave a fixed amount in my checking account for an emergency fund. And with any surplus funds I have been putting into 4 week T-Bills for the past year or so. I like the liquidity of it and has been working for me so far.

I love the honesty. Most UA-camrs are completely out of touch saying "I only put 1k/day into my brokerage!" and I'm thinking "this dude thinks that's little? How out of touch can you honestly be to say " only a little"

Awesome video! I appreciate your honesty and transparency. I hope all continues to go well for you and your family. I do track my family's net worth as well.

I have definitely done the same-- sometimes you have to shuffle or pause savings to make things work financially. Some years I could save more for retirement than others. Best of luck to you as you tackle your debt!

Great video! ❤ We do count our house in our net worth. It just makes me feel a little better to know there is a light at the end of the financial tunnel. I haven't been contributing to my 401k for the past 2 years because we are paying down debt via the Dave Ramsey system and he advises not to do a 401K if you have too much debt. However, I really feel like I need to do something because we do have a company match that i am missing out on so this year when I got my raise, I took half of that percentage and put it into my 401k so i could at least get some company match out of it.

Hi, thank you for sharing. ive never heard of it being controversial to have a home on your asset list for net worth...cars, sure because its a depreciating asset but a house?!

Hi 👋 Thank you so much for sharing your very interesting history not just about finances but also your education & low pay jobs. I think u are both very wise to pause savings to focus on debt repayments. Most people don't know that at any time a creditor can "call in the loan" & demand payment in full or face recovery costs - even if u have never defaulted! I don't carry any debts but I also don't own a home. I often feel "poor" so I count up all my sinking funds and realise that whilst I don't have spending money & I have very little leisure money; all my future bills are covered! That definitely reassures me that I'm not poor. Like u, I do $0 based budgeting. 💜

Great update. I like that you have sinking funds for everything. My wife and I have recently adopted this idea and it’s helped us out a lot. What’s the benefit to having a sinking fund for groceries? Why not have a set amount to spend on groceries? I feel you could control your money if you set a limit each week or month on how much you’re gonna spend on groceries. Excited to see you guys grow financially in future videos.

Hi 👋 Sorry to hear about your time sheet mistake & overpayment. I'm just wondering if when your were overpaid u, do u still have that surplus money, to pay towards this month's expenses? I'm only 3/4 way through the video so maybe u say at the end!

Hi, where did the money come from to pay all this stuff since your check was so low? You dont have any rollover or inflow from savings on your spreadsheet.

Reduce Roth.. put towards roof

20% of a paycheck seems like a crazy amount for just your husband‘s play money. Also, how much play money do you get?

oh my! Im so sorry to hear about your roof! They are very expensive to replace! Your insurance wouldnt cover any of it? Maybe due to age?

It is good that you are tracking where money is going, but it's time to analyze the categories and make tougher decisions on spending. It will be almost impossible to get to your goals with this current income and expense set up. The mortgage and car notes are really high for the income coming in and leave little room for savings and misc expenses.

44k for a new roof and windows seems really high even for the extra damage found. Is it too late for more estimates?

Great March Closeout. I hope you’re able to get your state income tax.

Marcus at Goldman Sachs is paying 4.5% for the high yield savings. We have our emergency fund stored there and the transfer to use is only 1 day.

Good Morning, listening while working. I love the zero-based budget. Great job.

It’s great that your family is keeping track as close as you are! Most people wing it… and don’t track savings. Well done. 👏🏻

Great goals 😊

That's very wise of u to anticipate & plan for possible utility increases! I love your videos 💜