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GM Megan, great BWM!

Something I did on my spreadsheet for my Sinking funds is added conditional formatting on the Current Balance column to highlight when it equals the Needed Balance column. It makes it easier to see your progress. Just a suggestion for something you could add to your spreadsheet.

We count our medical bills as bills owing until they have been posted 6 months for facility/ hospital bills, 3 months for provider and other's bills. We remain "late" yet work to pay the bills off before the 3 and 6 month time frame and accepting a payment plan for the balances owing. We aim for the least amount of money per month and the longest time frame as possible if on a payment plan; then work to pre-pay it as soon as possible. We have some predictability on some of the bills in terms of amounts and no clue on the amount for many until they post. Even so, the provider/ provider's billing folks can go for ammended claims and have upto a year after the previous approved claim to file yet again; I think there is a 3 year limit from date of service of some type. There is then a parallel amount of unpredictability about when a claim will pass through insurance to the provider and yet again when it will post in the provider's system. I generally budget a certain planned, maximum amount per month, every month for medical. I call or elsewise check with the provider's billing systems once to many times per month to find out what's posted and pay during the month to the sum of the planned maximum; what's left over already has a planned reallocation. If there's not enough, I tell them that I will catch them next month and no, I'm not interested in a payment plan yet. This said, at the end of the month if there is money left over, I make another call and allocate it to one of the bills. I try to pay by line item because if things end up in collections, each line item is sent as an individual bill.

Good call on increasing the grocery budget! It’s very hard to eat Whole Foods on a budget, especially with 6 people! Honestly, I still think $1500 is great 😊

Your budget videos are so GOOD! You definitely deserve more subbies, but I know you’ll get there ❤ I appreciate how you remind us of all of the things we might need to budget for the season. Love that you have your due dates, too! I need to start doing that on my actual budget so I don’t have to write them on the calendar.

Increasingly, the pat response to the question of "how much do I owe" from multiple creditors is the latest minimum balance due. That $25 versus the @$400 to @$500 could easily be simply be what you do owe right now, this billing period as opposed to the "pay off amount". Recently, we were told we owed "nothing" on a bill to which I responded, "So, were paid in full?" There was a bit of flustered, fluttering and mouse clicking to bring up another page on the screen.

the way my brain is setup its lowkey stressing me out that some of your 2025 sinking funds are above this years remaining sinking funds 😅🙈 But great video Megan! You've got this! 💜

Great video thank you

I’m trying to have all of my sinking funds written down the way you have them on your spreadsheet. It would be great for me to do that and be able to see what I have coming up and how I plan to have it fully funded I really enjoyed watching youmake adjustments! So I have some that are funded like my insurance for the auto but I need them all written down so I can feel comfortable about the status. Thanks so much for sharing!

What Sinking Funds are you working on right now?

Hello :) Just came across your channel and I love the purple vibes 💜 Could you perhaps do a video in the future sometime about credit cards? I understand when you say we should be responsible and pay it off in full every month, BUT as someone who's living paycheck to paycheck, and budget every single penny to go to some bill or variable expense down to the dollar, I can't see how paying off a CC is going to leave room for "free" cash still available; e.g if my groceries and one or 2 bills come to say 700 for the month, and i pay that off with my budgeted paycheck (I get paid only once a month), where's the "extra" money? It's seems like living in a constant cycle of debt, isn't it? (Or maybe I still don't understand the ways of a cc so I guess I shouldn't be asking this??) If I hadn't said it already lol, new subscriber here 😃

New subscriber here

Hi Megan, great TT! Your BB meeting sounds amazing! How exciting!

I got it done!

Have you gotten your July Budget completed yet?

I called my local library and I can start budget bros with a free room.

Hi Megan, great tips! I have to do eye glass appts and swim lessons for my kids.

Thanks for the reminders! 😊 I just paid my property tax 😢 set up another CD for Nov property tax. Christmas 🎄 is on target! Need to add more to Vacation! 🏖️

I did the same thing and got phone from Best Buy, I got them near Christmas and they offered 24 months

Hi new subbie great info 😊❤

I want to start budget bros on my UA-cam channel 😊

What transfers did you do this month?

What other budget items do you plan for in July?

Thank you!! Im working on making my July budget now

Thank you for the advice. I am going to follow your strategies.

Hi Megan. Wow! That was so kind of someone to pay for your swim lessons! when you are a blessing you be blessed!

I am building my first emergency fund.

How has your June been going so far?

New Subscriber here. I just found your channel and I am excited to be here. Great video.

Great job upping the payment on the Best Buy card so you don’t have to pay the interest. I know it sucks to have debt, but you are doing debt the smart way! Ugh I feel like medical bills are always confusing. I believe they want to confuse us on purpose 👀

Gm! Great video as always! I'm happy to hear you got approved for aid! I understand ur feeling on not paying until everything matches lol

How are you tracking your debts? Do you struggle with the medical debts like I did?

How did your May Closeout go?

Hi! New supporter here. Great BWM. Thank you for the reminders on how expenses change during summertime. 😊

We have had to go on medical debt payment plans a couple of times. We have found it beneficial to gowith the lowest monthly minimumm possible because they aren't very giving with late or reduced payments. Then we've worked to remit additional payments; often as fast as possible and on more of a weekly basis than a monthly basis. The "effort" and "intent" to pay off your bill has given us graces. It is CRITICAL that you clearly deliniate between your 3xtra payments and your minimum payment. Else, you can remit a hefty number of dollars yet not get credit for having made your minimum. Often the medical world's books have charges for each transaction billed to insurrance and these are counted as invoice numbers, accounts, or individual amounts owed. Should your balance end up in collections each of these internal balances owing is sent as a seperate amount. Let's say the entire amount owing is $1800 but $1800 actually covers 18 line items of differing amounts. They would then get sent as 18 bills owing. If worst comes to worst, it is generally better that only a couple of larger balances get sent rather than all 18. We work to pay off the smaller balances or line items first if they will allow you with the statement that: " You can only get so much blood out of a turnip; we want to save as many of these items from going to collections as possible." Coupled with showing effort and intent, the financial 9fficers at many places will give a wide assortment of graces including advice of how thier systems work, how to best manuver through thier systems, and provide letters of recommendation towards financial aide.

Hi Megan, great closeout! thats funny about may being the 2nd december lol. seems true!

Because the Saudis aren't going to help senile Joe Biden win re-election - that's why.

Hi Megan, great video! I agree w everything you said. i think if youre trying to track and you miss a couple days some times you can feel like giving up which is why i try to stay on top of it bc i know once i get behind i feel like giving up but i know ill regret it even more if i do lol.

Kentucky loves their voted in Bidenomics. CCP petrol prices have gone down last 3 years. Thanks China Joe.

I've got mine filled partway through November and it feels so wonderful knowing that I don't have to worry about those upcoming costs! I have sinking funds for just about everything, but this is my first year doing it and I'm learning what I need to adjust for next year :)

Yes!!! closing out is so important! I love your questions!!!!

Grape at the Gas Pump

Closing out my budget is my favorite time of the month and my favorite video to make.

Medical debt does stink. Most providers will take small amounts monthly without hounding you or charging you interest. 😊

Hi Megan, great paycheck plan set up! I love how you use the remarkable and spreadsheets!

Reason 1. Too few oil companies 2. Oil investors and executives believe themselves entitled to megawealth 3. They can get away with it right now with the energy sanctions on Russia due to the war in Ukraine. The blunt fact is, the world has already adapted to the embargo on Russian energy. It is greedflation right now and election scheming.

We remember paying less than $1.00 a gallon… gas will always continue to rise. We are starting to replace our landscaping equipment with electric.

This is the best video I’ve watched all year! ❤ I am 100% guilty of continuously making a budget then not tracking and scrapping my budget until the next month. Some months out of pure laziness and some due to life events. I had to have a hard talk with myself this year as I found myself sinking into debt again. I have tracked every expense daily for almost a month now and I’m right on track. I have realized many things about myself and spending habits along the way. Thank you for spending the time to teach and encourage others. I do truly love your content and I hope more people will discover your channel! 😍

Do you think a demented President can develop a strategy to make market forces drop prices? He already drew down the Strategic Petroleum Reserve for non-strategic purposes and no longer has this option.

Do you regularly close out your monthly budget? If not, what is holding you back? What do you need to complete this ESSENTIAL step?