Hey Guys! Today's video is my monthly budget with me for November 2020 in my budget planner. I'm sharing my monthly budget, debt tracker, saving tracker, sinking funds, and goals for the month of November. How are you guys preparing for the holidays!? Are you using a budget planner to stay on top of everything?
I keep avoiding budgeting this week because I just made a huge purchase. But seeing your videos lessen my anxiety and I realized that it's alright to buy something that we want as long as we're still doing our responsibility. Thank you for your consistency. I always get something meaningful every time you post.
#GOALS, I have about $6500 left on my car and have also began an aggressive repayment plan to be finished in January. Just in time to restart student loan repayments, yay!! Payments will cancel one another out and have minimal effect on my current budget. Then it will be time to reconfigure the budget. Look forward to seeing your progress!!!
I would definitely love to see more of your paycheck to paycheck budget videos. I've binged practically all of your videos at this point, but numbers have never really been my thing and I'm pretty new to trying to get myself on a written budget, so I need all the help LOL. Plus, I'm a visual learner, so I like to see what someone is doing as it's being explained. 🙂
I actually decided to try your color coding system for budgeting! I really love this method it makes it so easy to keep on top of my biweekly income and what I need to pay bills and how much I can save or spend!
I set this up in Oct and it worked so well!!! I kept track of all my income including birthday cash gifts, grocery gift cards, everything! I kept on top of my bank balance and every bill was paid on time. Since i am unemployed i am not saving bc i need every penny but wow this helped me so much. I have 4 wks of expense trackers to see what i spent and wjere too.
You are my budget spirit animal. So polished and succinct. Can you do a debt and investment snapshot.....what are your long term goals? I vote "Yes" to Paycheck to Paycheck Budgets
Keep going on your budget! I paid off $10k in student loans, and my last car payment is $490 which will be paid off in January. So, with that said, I can finish off my credit card debts faster with the extra paid off car payment. Just remember, I keep a $1000 emergency fund on hand in case some disaster hits (it did last month with car breaking down, but now building it back up again).
Yes please do the paycheck to paycheck plan with me’s. I’m trying to figure it out being paid semi-monthly but want ease of my finances weekly! I know it can happen with the transfers. You inspire me a whole lot Alaina. Thank you so much 😊
I love your channel. We are trying to pay off our mortgage, but I am a teacher, and my husband works in retail, so it's taking us a while. I might check out your ESTY shop for my 2020 budget calendar. Love the video. Happy holidays!
Just watched this video and created a different / better budget, simultaneously, using your tips! Ahhhh.... It feels nice! Your method is going to help immensely to pay our bills down and off. Thank you for posting this video.
Had so many good thoughts 💭 watching this Alaina! How blessed is your husband to have you watching over the finances! Your content here is inspiring! On another note 📝 4 wisdom teeth 🦷 removed 😱! Can’t you just leave them alone? Maybe they are what makes you so wise in planning and budgeting! 🧐🤗. JK--That’s the ol skool (folks from the south) in me😁
Excellent info. And for both you and your husband to have successful businesses (self-employed) is amazing. Your blog is fabulous, and your info is excellent. We are debt free except our mortgage. And we’re headed toward paying that off in less than 5 years. It’s new build and we just closed on it spring of 2019. We use a spreadsheet with a lot of tabs for our expenses. We allocate funds to each category (e.g. hair/nails; Christmas; Other Gifts; Auto Mntnc; Groceries, etc.). We actually paid cash for our most current brand new vehicle for the first time. W have one vehicle that’s older but in great shape. No car payments! When we paid payments for our cars, after paying them off, we just kept that payment going into savings so that years later when it came time for a new car, we’d either have a huge down payment or could pay cash for it’s entire cost. It felt so great to buy a luxury car with cash paid in full! Anyway. Thx for the marvelous videos. You share very personal info in order to teach others. That’s very kind of you.
I love your budgeting with me videos. They are very inspirational. I’m working on paying my mortgage off by Aug 22, so it’s good to see how others are saving and paying bills.
Going to be ordering my planner for the new year and I can’t wait. You and I budget very similar which is so nice, bc I’ve yet to meet anyone that does. Question, any chance you would ever do a two page spread monthly view instead of the one page?
Great video!! Yes please I would love to see pay check to pay check again, even if it’s a couple of times a month instead of every week. But it’s really useful, when I do my weekly budget sometimes I get confused with myself, like my numbers don’t add up but the bank is okay.... so I don’t understand it properly and seeing you doing it helps a lot!!
You can pay off the car by the end of the year!!! 2020 has been a crazy year, go into 2021 with a bang!!! Use some of your savings, how fast can you build up that savings again? My guess would be really fast because you don’t want to feel vulnerable. You can do it, I’ll be paying off $24k of student loans by the end of the year and I don’t have the income you have but at the same time I will saving at least one month of expenses just to feel some financial stability, and throw everything at the debt. I love your videos, it’s so clean and organized :)
I have some high quality colored pencils I use to denote which bill goes with each check. I'm using my mini for my budget planner. This works well because I can throw it in my bag with my wallet when I go to run errands.
Alaina I love this. It’s so clear. I got my budget planner over a month ago but didn’t want to start using it til January, I have been using my regular YNAB budget in the meantime. However seeing you do the budget step by step, I’m going to do mine step by step while rewatching this. Thanks so much! Btw, how did you come up with 2.5% for offering?
I love your planner. I don't like the week starting on Monday, maybe its a Canadian thing, but most of our calendars start on Sunday. i wish i can change the start of the calendar, it kind of screws me up when all my other planners, calendars etc start on the sunday but not this one.
I was wondering about home taxes. I am automatically putting money into saving account to cover taxes. But wondering how you do it. Sinking fund? In an escrow account? Thank you for your video and clear instructions!
@@clairlambright8629 Hers might be included in her mortgage. As per my choice, mine are not. I have a weekly set amount going automatically to high yield interest account dedicated to taxes and major household expenses so yes, it is a sinking fund.
@@Dancemaniac63 Thank you. My set amount goes into a Christmas Club account so I can’t get at it, but it is not yielding a high interest, not even close. Thanks for advice!
Love these videos of yours. I've had all 4 wisdom teeth removed when I was a teenager. I couldn't eat anything but soup for a few days. Saved my parents money from food and I lost a bit of weight 😂
We have some of the same clients since he is in social media marketing and I am in finance...but we don't have a video talking about it. I'm going to have to film one.
So it’s ok to contribute to Savings, even though you have large Debts?? Why not pay more off the Debts, then Save? It costs you more in interest. Can you tell us your thinking behind this, please? I’ve been asking this of myself, for when my 0% interest period ends.
Hey. It's for my own sense of security. A couple of years ago, I brought our savings down to $1,000 to pay off debt. I paid down $25,000 before we got hit with a bunch on unexpected expenses. Things we couldn't avoid like our refrigerator breaking down. I didn't have enough in savings to cover all of the unexpected expenses and I had to use a credit card. It was heart breaking. Because I no longer had a savings and now I was in more debt. This time around, I decided to save along with paying off debt. Yes, I pay more in interest. Yes, it will take me longer....but I have a sense of security that I didn't have before and I am focused on my goal. We will reach our goal and we will be able to handle anything that comes our way in the process.
Hey! I am a CFO for a nonprofit (my church), an Etsy shop owner(I have a sticker shop), a UA-camr (I mostly get paid from ad revenue), a coach (I have a group coaching program for people who want to learn how to plan and manage money), I have a monthly sticker membership, and I teach and speak at other events.... 🤗
Hi quick question for you I understand where the 10% comes from for tithes how did you come up with 2.5% for offerings? Is that just a personal number or is that something biblical that you can share?
How do you fit the classic planner with the tul planner cover. My classic planner uses 9 disc and the Junior tul planner cover uses 8 disc and the big tul planner cover uses 11disc. Which tul planner cover are you using in this video?
Hey! I don’t use the Tul cover for my classic. I was using the Tul cover when I had the big happy planner which had 11 discs. Now I’m currently using a Happy Planner cover for my classic size
Hey Guys! Today's video is my monthly budget with me for November 2020 in my budget planner. I'm sharing my monthly budget, debt tracker, saving tracker, sinking funds, and goals for the month of November. How are you guys preparing for the holidays!? Are you using a budget planner to stay on top of everything?
Hi Elena, can you make a video about how to budget if someone is getting paid end of month? Getting 1 month ahead is very tough. Thank you in advance
I keep avoiding budgeting this week because I just made a huge purchase. But seeing your videos lessen my anxiety and I realized that it's alright to buy something that we want as long as we're still doing our responsibility.
Thank you for your consistency. I always get something meaningful every time you post.
Yes please paycheck to paycheck! I truly like those 🤗 great video for monthly budgeting as well
#GOALS, I have about $6500 left on my car and have also began an aggressive repayment plan to be finished in January. Just in time to restart student loan repayments, yay!! Payments will cancel one another out and have minimal effect on my current budget. Then it will be time to reconfigure the budget. Look forward to seeing your progress!!!
I need that pay check to pay check video.
Who is giving our girl a thumbs down... this video is so informative and helpful to so many people!!!!
Im hoping today i will get ur planner, love how you explain the budget. Not getting overwhelmed with saving and debt. Love it Thanks 🙏🙏
I have Alaina planner ,but im so scared to write in it. I've decided to use it beginning in 2021.
I would definitely love to see more of your paycheck to paycheck budget videos. I've binged practically all of your videos at this point, but numbers have never really been my thing and I'm pretty new to trying to get myself on a written budget, so I need all the help LOL. Plus, I'm a visual learner, so I like to see what someone is doing as it's being explained. 🙂
I actually decided to try your color coding system for budgeting! I really love this method it makes it so easy to keep on top of my biweekly income and what I need to pay bills and how much I can save or spend!
Me too!! I highlight mine since i dont have stickers
@@meadowwalk me too actually!!
I set this up in Oct and it worked so well!!! I kept track of all my income including birthday cash gifts, grocery gift cards, everything! I kept on top of my bank balance and every bill was paid on time. Since i am unemployed i am not saving bc i need every penny but wow this helped me so much. I have 4 wks of expense trackers to see what i spent and wjere too.
I love your videos now with online school I've been doing very good thanks to you love u
This is going to help me so much with my monthly budget, I've been trying to set up something with this much structure, thank you
You are my budget spirit animal. So polished and succinct. Can you do a debt and investment snapshot.....what are your long term goals? I vote "Yes" to Paycheck to Paycheck Budgets
Keep going on your budget! I paid off $10k in student loans, and my last car payment is $490 which will be paid off in January. So, with that said, I can finish off my credit card debts faster with the extra paid off car payment. Just remember, I keep a $1000 emergency fund on hand in case some disaster hits (it did last month with car breaking down, but now building it back up again).
Yes please do the paycheck to paycheck plan with me’s. I’m trying to figure it out being paid semi-monthly but want ease of my finances weekly! I know it can happen with the transfers. You inspire me a whole lot Alaina. Thank you so much 😊
I love your channel. We are trying to pay off our mortgage, but I am a teacher, and my husband works in retail, so it's taking us a while. I might check out your ESTY shop for my 2020 budget calendar.
Love the video. Happy holidays!
Thank you for the motivation. I’m working on paying off debt
Just watched this video and created a different / better budget, simultaneously, using your tips! Ahhhh.... It feels nice! Your method is going to help immensely to pay our bills down and off. Thank you for posting this video.
Had so many good thoughts 💭 watching this Alaina! How blessed is your husband to have you watching over the finances! Your content here is inspiring! On another note 📝 4 wisdom teeth 🦷 removed 😱! Can’t you just leave them alone? Maybe they are what makes you so wise in planning and budgeting! 🧐🤗. JK--That’s the ol skool (folks from the south) in me😁
You inspire me to get more nitty and gritty with my monthly budget!
Excellent info. And for both you and your husband to have successful businesses (self-employed) is amazing. Your blog is fabulous, and your info is excellent. We are debt free except our mortgage. And we’re headed toward paying that off in less than 5 years. It’s new build and we just closed on it spring of 2019. We use a spreadsheet with a lot of tabs for our expenses. We allocate funds to each category (e.g. hair/nails; Christmas; Other Gifts; Auto Mntnc; Groceries, etc.). We actually paid cash for our most current brand new vehicle for the first time. W have one vehicle that’s older but in great shape. No car payments! When we paid payments for our cars, after paying them off, we just kept that payment going into savings so that years later when it came time for a new car, we’d either have a huge down payment or could pay cash for it’s entire cost. It felt so great to buy a luxury car with cash paid in full! Anyway. Thx for the marvelous videos. You share very personal info in order to teach others. That’s very kind of you.
This was very nice. Thanks. Your transparency helps. I still have a lot to do to get organized. I try but I always lose focus mid month
Just got the planner from your Etsy! This is helping me learn how to use it for my monthly budget as I get into preparing for the month. Thank you:)
I finally bought your budget planner and stickers and I have to say I love it! It makes me excited to budget!
Oh, I love this! So useful! ✨ I'm new to your channel so I'm excited to see new videos 😊 I love organising my expenses and savings etc. 🙌🏻
I love your budgeting with me videos. They are very inspirational. I’m working on paying my mortgage off by Aug 22, so it’s good to see how others are saving and paying bills.
Going to be ordering my planner for the new year and I can’t wait. You and I budget very similar which is so nice, bc I’ve yet to meet anyone that does.
Question, any chance you would ever do a two page spread monthly view instead of the one page?
Yes please for he paycheck budget. Great video!! Thanks!
I love your videos they are so helpful
Thank you!!
Great video!! Yes please I would love to see pay check to pay check again, even if it’s a couple of times a month instead of every week. But it’s really useful, when I do my weekly budget sometimes I get confused with myself, like my numbers don’t add up but the bank is okay.... so I don’t understand it properly and seeing you doing it helps a lot!!
Got it! Thank you!
you have the most soothing voice ever!
Thank you
You can pay off the car by the end of the year!!! 2020 has been a crazy year, go into 2021 with a bang!!! Use some of your savings, how fast can you build up that savings again? My guess would be really fast because you don’t want to feel vulnerable. You can do it, I’ll be paying off $24k of student loans by the end of the year and I don’t have the income you have but at the same time I will saving at least one month of expenses just to feel some financial stability, and throw everything at the debt.
I love your videos, it’s so clean and organized :)
Thank you!!
Yes please bring back those other videos. ☺️
Love all your videos! For the longest time I kept thinking you were spelling Energy wrong and then I realized it’s the name of the company. 🤣
I have some high quality colored pencils I use to denote which bill goes with each check. I'm using my mini for my budget planner. This works well because I can throw it in my bag with my wallet when I go to run errands.
I have been looking for a simple budget friendly sticker system to indicate what bills are paid with what paycheck, color dots are brilliant 👏 😀
Thank you!!
So glad I found your channel and absolutely love how you do your budget setup!
Love this ❤️❤️💕
I miss the plan with me and flipthru.. Also an updated how i use my multiple planners. 😀
That is a great planner. And helpful. I need the encouragement to get back on a budget
Hi The Organized Money, I like your content. I love watching your videos.
Waiting on my planner to get here but I currently using old excel fashion 😃
Alaina I love this. It’s so clear. I got my budget planner over a month ago but didn’t want to start using it til January, I have been using my regular YNAB budget in the meantime. However seeing you do the budget step by step, I’m going to do mine step by step while rewatching this. Thanks so much!
Btw, how did you come up with 2.5% for offering?
It’s a personal number we decided on as a family
I love your planner. I don't like the week starting on Monday, maybe its a Canadian thing, but most of our calendars start on Sunday. i wish i can change the start of the calendar, it kind of screws me up when all my other planners, calendars etc start on the sunday but not this one.
Same with the US. This planner seemed to a rarity. Some planners are like that.
Hello where can I find your planner? I am in love of this video and how you do it!
Hey! Here is the link to my etsy shop: www.etsy.com/listing/733490136/budget-planner-big-8-12-x-11?ref=shop_home_active_5&crt=1
I would love to see more of your paycheck to paycheck budgets.
No cell phone bill? Is that paid from your business account? How about car registration, inspection etc. Great videos, thanks for sharing
I was wondering about home taxes. I am automatically putting money into saving account to cover taxes. But wondering how you do it. Sinking fund? In an escrow account? Thank you for your video and clear instructions!
I would think that is in a sinking fund, she has one for car maintenance
@@clairlambright8629 Hers might be included in her mortgage. As per my choice, mine are not. I have a weekly set amount going automatically to high yield interest account dedicated to taxes and major household expenses so yes, it is a sinking fund.
@@meadowwalk Thank you, I bet so.
@@Dancemaniac63 Thank you. My set amount goes into a Christmas Club account so I can’t get at it, but it is not yielding a high interest, not even close. Thanks for advice!
Thank you for sharing!
Thanks for sharing
I love how this monthly is so wide at the bottom so you have room to write some monthly on one pages are so smallll
Where can I get the clear place maker with the hearts on it? Super cute!
Love these videos of yours.
I've had all 4 wisdom teeth removed when I was a teenager. I couldn't eat anything but soup for a few days. Saved my parents money from food and I lost a bit of weight 😂
Well maybe I’ll lose some weight! 🤣🤣
@@TheOrganizedMoney 😂
I would love the paycheck to paycheck videos. I currently get paid weekly and I think I can get a lot from those videos
Hi! What do you call those big disc in your planner and where to purchase it? It looks great!
Hey! they are called circa discs. :)
@@TheOrganizedMoney Ms. Alaina, Thank you very much!😊
Can I ask where you purchased these gold rings ? What size are they?
Love your layout! What weight of paper do you use to print on?
Yes, congratulations on getting the car payment down
Hey would you share the link to the Sinking Fund app? I wasn’t able to locate it on the Apple App Store.
Hi, it’s called Qapital.
Do you have a video about how you and your husband work together? I didn't realize you both worked in the business together.
We have some of the same clients since he is in social media marketing and I am in finance...but we don't have a video talking about it. I'm going to have to film one.
I need the whole budget breakdown.
How do you budget for clothing, kids activities and their friends birthdays?
So it’s ok to contribute to Savings, even though you have large Debts?? Why not pay more off the Debts, then Save? It costs you more in interest. Can you tell us your thinking behind this, please? I’ve been asking this of myself, for when my 0% interest period ends.
Hey. It's for my own sense of security. A couple of years ago, I brought our savings down to $1,000 to pay off debt. I paid down $25,000 before we got hit with a bunch on unexpected expenses. Things we couldn't avoid like our refrigerator breaking down. I didn't have enough in savings to cover all of the unexpected expenses and I had to use a credit card. It was heart breaking. Because I no longer had a savings and now I was in more debt.
This time around, I decided to save along with paying off debt. Yes, I pay more in interest. Yes, it will take me longer....but I have a sense of security that I didn't have before and I am focused on my goal. We will reach our goal and we will be able to handle anything that comes our way in the process.
I understand different parts of the country pay more or pay less, but how much or what percentage should we spend on each fixed and variable expenses?
Wow just wow. Do you mind me asking what you do for a living other than UA-cam
Hey! I am a CFO for a nonprofit (my church), an Etsy shop owner(I have a sticker shop), a UA-camr (I mostly get paid from ad revenue), a coach (I have a group coaching program for people who want to learn how to plan and manage money), I have a monthly sticker membership, and I teach and speak at other events.... 🤗
@@TheOrganizedMoney that’s awesome!!! #bosslady #goals ❤️
Hi quick question for you I understand where the 10% comes from for tithes how did you come up with 2.5% for offerings? Is that just a personal number or is that something biblical that you can share?
It’s a personal number that we came up with as a family. It’s based on the Termuah offering which is from Ezekiel 44:30
@@TheOrganizedMoney thank you. Have a blessed day.
How do you fit the classic planner with the tul planner cover. My classic planner uses 9 disc and the Junior tul planner cover uses 8 disc and the big tul planner cover uses 11disc. Which tul planner cover are you using in this video?
Hey! I don’t use the Tul cover for my classic. I was using the Tul cover when I had the big happy planner which had 11 discs. Now I’m currently using a Happy Planner cover for my classic size
Can i buy it on a other site instead of etsy, i'm from Europe so we have the euros here...
Alaina-would you remind me what the erasable pen is that you use? Thx!
Hey! I’m not a fan of erase-able pens. I have tried the frixion pen in the past. My favorite pen is the ink joy 0.7 pen in black
Oh ok. I thought you said you loved those erasable pens. Must’ve been another UA-camr. Thx!
how many bank accounts should I have for a two person household
I found the paycheck video
What pen are you using?!
Hey! Papermate Ink Joy 0.7
What cover are you using for your planner?
It's the Happy Planner Cover
Yes, I would love to see the paycheck to paycheck budget,
Thanks for sharing.