How We Stay On Budget || Budgeting Hacks, Budget Tips & Tricks

This week I am going to walk you through how we stay on budget every month and with these budgeting hacks, budget tips and tricks 2021 style (or is it budget tips and budget tricks, I never know) I'm gonna show you how we keep from destroying our budget every month.
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#DebtFreeCommunity #MoneyTuber #DFC #PayOffDebt #debtfreecommunity #debtfreelifestyle #debtfreelife #budget #budgeting #6figuresandbroke #debtfreedifferently
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Where else you can Find Me:
* My website: www.wendyvalencia.com
* Instagram: @theRealWendyValencia
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We are a family of three (Wendy, Mauricio and Melina - Age 9), living in the suburbs of Washington DC (Vienna, VA) and getting our financial life in order! We earn a solid multi-6 figure income but in the past, we have struggled to pay for unexpected expenses and emergencies. We truly lived paycheck to paycheck even though we had a positive overall net worth because of our retirement savings.
In 2016 everything changed. We decided to get out financial act together and since that time we have gotten 1 full month ahead in our income (which means what we earn this month goes to pay next month's bills), paid off well over $200,000 worth of debt, started planning ahead and saving for big financial expenses (like summer camp, a new car, a down payment on a house to name just a few) and we are even paying CASH for my Mauricio's graduate school (he's changing careers and becoming an architect!).
We believe that there is no one size fits all plan for being successful with money so we are creating our own path. It is our theory that every family should evaluate their own financial struggles and determine the root cause of those issues. For us, those issues stemmed from committing to giving without looking at the impact on our own financial situation. We did not have debt because we bought fancy cars or clothes, we had debt because we chose to give away hundreds of thousands of dollars before we actually earned it. Now when we give, we give with cash that we have saved for the sole purpose of giving.
We understand the shame and guilt of having such a large income and not having enough cash to pay for an emergency...like when the transmission on the car goes out or there are large medical expenses. We have developed a plan that works for us and we are so proud of how far we have come since 2016!
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We have snail mail:
Wendy Valencia
PO Box 361
Dunn Loring, VA 22027
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[@sharon7522]

Excellent!

[@alycer.8158]

It looked like you had a mini me behind you chilling in the doll house 🏠 🤣
Loved this vlog....couldn't help from telling you how pretty you looked 🌷

[@WendyValencia]

Actually Melina has that doll and a boy doll as "the mommy and daddy" of the house because she says they look like us. Thank you for the compliment!!!

[@victor_beltran]

Lol I’m liking your videos what happened? Last video was two years ago. Hope all is well.

[@dkrosecot]

Another great video,love your channel, one of my favourites 💕