Kumiko I appreciate you for this empire you’re building! I am currently paying off debt and god willing I’ll be finished by June. I wasn’t taught much about financial literacy but I have now learned so much from you amongst others within the last few months. I appreciate you and Thank you! 😊
I wasn't taught about money either. Basically, my parents showed me how to spend every penny I make. She has been so inspiring to me to get things done and to take control. I love the budget by paycheck method and it has been the only thing that has worked for me. Do you wish they would do this in high school so kids know what to do?
This is the most detailed and organized budget video, I have watched 100s this by far is the best. I being a teller really appreciate the denomination paper.
It’s so awesome you are doing this full time. I think it’s actually super helpful for people to see once a month budget and cash envelope videos because people like teachers near me only get paid once a month.
I think you did a great job on your workbook. I love, love the checking cushion and other ideas such as the misc envelope. You have great ideas! I'd love to suppprt you by buying your workbook but can't fit the cost into my budget right now. I'll just have to keep watching you and learning more from you.
Fabulous system with very clear “how to” steps. I think this will work well for any age group as the savings and budget goals can be any that fit your personal needs. Thanks very much!
I am fairly new to your channel... I love your workbook. I currently have one in place for this year and sticking to a budget... can’t switch until next year. Plan to buy for next year!!
I purchased the workbook in December so I only bought the new bill tracker download. Im thrilled with the changes you made, its PERFECT!!!!! Extra pay lines, sinking funds, extra debt and extra savings columns flows so much better. Also, the new sinking funds savings tracker is also PERFECT!!! having all the months with plus and minus signs allows me to write in red pen when I deduct and green pen when I add money. The beginning and end balances I write in black. This will help me determine for example car maintainence, how much I used and what month quickly by seeing it in red.
Thank you! Excellent video! I am not a mom and my expenses are very different yet I think this system could help me. Will look into your workbook, Thanks again!
Thank you soooo much for explaining how each category works. I was struggling with understanding the cash flow verse the savings for holidays and other items and then sinking funds as well.
Love your video. Great advice. I am not in debt, but want to keep track of where my money is going each month. I'm applying the envelope system next payday.😊
I know this might be such a weird question but what size binder do you use ? I know in one of your older blog posts you mentioned that you use a 1.5 inch binder but that was before you made the Budget By Paycheck Workbook. And here I see that you place your workbook in a binder.
I just found your page and I love the way your binder is organized. I’m looking on your page to see how you created this binder. March binder looks a lot different. I know you created the worksheet but what about the binder itself?
Where do you put the amount you spend on paper and ink. And, if I may ask without seeming rude, what do you spend on paper and ink for the type of budget? I have always done a paycheck budget (not zeroed out every month), but my budget docs were on an excel spreadsheet.
Hello Miko, I hope you get this message. I am grateful for you in how you are showing us how to budget by paycheck. I am new to this method however it is speaking to me. Do you have a video that is a walk-through on each area of the work book and why each area is important? How to link the pages together... Sorry, I need baby steps... (pun not intended. :) )
With all that cash do you keep like you're sinking funds for instance in a safe? I just think about all that accessible cash being in my house and it makes me nervous. So I'm thinking that's probably how you do it but I'm just curious
Jamie Ford if you keep a ledger of the different accounts. Like a spreadsheet in excel, you can keep track of the amount in each account but have the money in one-bank-account.
We live pay check to pay check also and are maxed out to the penny every check with no room for savings and that’s with tight budgeting and being very minimal with groceries (bc our income doesn’t allow it to be any other way). We never have even $1 left over for saving or sinking funds and we don’t eat out or do anything outside the house that cost money or even gas money. We don’t want to live like this forever. Therefore we had to start by paying off the smaller bills in the order of which one we owed the least on and we will keep doing that until it provides us enough wiggle room to both meet our minimum payments on bills and save at the same time. We had to stop being stressed about having a savings and realize we can’t afford to save and won’t be able to until we get some debt paid off. It’s a tough reality in this uncertain world but so far we have paid off 6 medical bills, a loan, and 2 credit cards...without snowballing because we can’t afford that either or we will start getting late fees. Hope this makes sense and is helpful. Moral of the story, don’t go farther into debt while trying to save but be very disciplined in your budgeting until you pay off enough things to create the room to start saving
Angelica Romero look up Dave Ramsey. And the debt snowball. You have to make a budget of the necessities. If you’re more than 50% of your annual income on car payments you need to sell cars if you’re over 25 to 35% of your income on housing then you need to find a place to move because you’re paying too much. You have to make a list of all your debts starting from The smallest to the biggest debt. Then you have to make sure you’re able to make at least the minimum payments on all your debts so you avoid interest but you have to put all your overtime money all your extra money into the smallest debt first and then work your way up to your biggest debt. Good luck.
When will the physical workbook be available? I’ve been hunting for a good budget workbook for years and this one looks absolutely perfect and I can’t wait to buy it
Emma Swanson she sold out of the physical workbooks earlier in the month. she does have a pdf version available on her website. also, she’ll be doing preorders in august for her next launch in october.
Maybe u can divide your cash envelope money into clips like that u divide into the weeks... Like that u don't spend everything in the first week and in the last week it limited....
I love the new version of your paycheck budget binder! 😊 If I were to download the new version does the teller slip come with it or is that a separate purchase?
Girl! Thas awesome I do the envelope system but somehow I end up in rutt. What do you do when unexpected situations happen? Like they lower hours? You miss work sick days? More days of than usual? LAY OFF? I'm thinking of adding emergency fund envelope. Thanks for sharing! #thinkmamaneedsraise
I hope you don't mind me answering. It is best to have an emergency fund (EF) for unseen events like job loss or late pay. It is suggested to build your EF with $1000 as soon as you can and then increase it to at least 3 months worth of living expenses. The ideal is having 6months to 1 year's worth of living expenses in your emergency fund. 😊
Can you make a video of you actually filling out your sheets and setting up your budget for the month. How do you budget in the $500 from your boyfriend? Do you get that money before you get payed or after?
how would you integrate money from a sinking fund back into your budget like if you use money from your car maintenance SF? or do you just not track it?
I'm a new watcher so I'm sorry if you've already answered the question, but is there any reason you continue to rent while you save for your house, rather than pay a mortgage? I would have thought the mortgage option would make better financial sense?
It's sold out but I believe she will release it again in a few months. It's undated so you can still use it for a full year. You can purchase the pdf and print it from her site if you want it right away.
Hi new subscriber here from the UK. I love your system but I’m a bit worried about having all that cash in the house (your sinking funds). Do you not worry about being burgled? I don’t think home content insurance in the UK would cover you for having such large amounts of cash in the house. Xx
I just found your channel and subscribed. I can’t wait to start a cash envelope system. I think I will start in May... where did you get these nifty notebooks? Gonna have to dive into your videos! Thanks for existing
It's written on the top of her April Calendar. $10 cash envelope challenge. Every paycheck we are supposed to take $10 out of each cash envelope and add it to savings.
Sherri McIntyre I did see the $10 Cash on the page but I wasn’t sure if it was out of one or out of all and the details and I know she said she would explain it so I thought maybe I missed it. Thank you so much for explaining it to me. 👍🏻
My bill pay account has about 1800 and then when I get paid I never even touch that money unless a bill comes earlier than I expected. Is that a bad idea to have that much money in the checking account I pay bills with? I do a zero based budget on the income coming in. Like your buffer is 80, my buffer is 1800. That’s a huge difference.
She has had it over $1000 before and took it out. I believe either for her house savings or Disney trip savings but she does state she has it at $1000. I think you can have whatever buffer you are ok with, my opinion. I have $800 🤷🏻♀️
Loving all the sinking funds envelope designs would it be possible to make those available to purchase; your videos have helped make my budget a reality ☺️
Hi! I've been following for a while. I was curious if you were struggling financially when you first started doing the zero based budget or if was mostly doing it to just pay off you debt? Great info you provide us with thank you!
It's her own workbook. It's available on her shop thebudgetmom.com. it's available for digital download. The physical workbook that gets mailed to you is currently sold out.
I noticed that you don't have Renters Insurance in your budget. Are you not required to have rental insurance where you live or does your rent cover the insurance as well?
@@thebudgetmom Awesome. Thanks for letting me know. That's a good idea as I have it as it's own budget line, yet it's with my car insurance provider :)
Wow how is your car insurance and medical insurance so cheap? I have shopped around but I have never gotten a quote for less than $350 per month for medical and $150 per month for auto insurance.
First thing you should do is pull your your bank statements for 3-6months. Grab a set of highlighters. Each highlighter represents a category. After you highlight your bank statements add up each category. Figure out the average amount your spending for each month for each category. This will give you a general idea of the amounts you need for your cash envelopes. Next focus on becoming current on all your bills. You cant pay debt or use cash envelopes if you are always in a deficit. Once you become current on all your bills make a list of your debts. From smallest to largest. Pay the minimum amounts on all your debts. The extra money that is left over after covering all your bills and expenses should be used to pay off your smallest debt first. After you become comfortable with budgeting and you have a $500.00 to $1000.00 emergency fund start implementing sinking funds. Continue to use the debt snowball to pay down your debt and try to stay current on your bills. Hope this helps.
So organized & motivated. But can you help me for low income budget and must pay for daycare? My income every month is $1,000 and need to pay for daycare $200/ months. So I only have $800/month. My country is in Timor Leste. With this salary is a bit big to live in this country. I am hoping to hear from u, how to budget for a low income & saving.. thank u. Love Fatima
I know this is a personal question, but I was wondering if you get any money from the father of your son and if you add that as your "business income" or you do not budget that at all.
I purchased your workbook but I’m unable to access it. I tried from my desktop but I’m not getting email notifications from you so I can continue to set up an account. Your shop took my money but no access. Do you know what is going on
Kumiko I appreciate you for this empire you’re building! I am currently paying off debt and god willing I’ll be finished by June. I wasn’t taught much about financial literacy but I have now learned so much from you amongst others within the last few months. I appreciate you and Thank you! 😊
I wasn't taught about money either. Basically, my parents showed me how to spend every penny I make. She has been so inspiring to me to get things done and to take control. I love the budget by paycheck method and it has been the only thing that has worked for me. Do you wish they would do this in high school so kids know what to do?
Absolutely, it’s so important I will be teaching my son the right way to do things because he cannot be like me!
Miko. I must stay you look so refreshed and energized since u left ur full time job to focus solely on your business. Thanks for the inspiration.
Carolyn she definitely does!
This is the most detailed and organized budget video, I have watched 100s this by far is the best. I being a teller really appreciate the denomination paper.
It’s so awesome you are doing this full time. I think it’s actually super helpful for people to see once a month budget and cash envelope videos because people like teachers near me only get paid once a month.
I think you did a great job on your workbook. I love, love the checking cushion and other ideas such as the misc envelope. You have great ideas! I'd love to suppprt you by buying your workbook but can't fit the cost into my budget right now. I'll just have to keep watching you and learning more from you.
Fabulous system with very clear “how to” steps. I think this will work well for any age group as the savings and budget goals can be any that fit your personal needs. Thanks very much!
I am fairly new to your channel... I love your workbook. I currently have one in place for this year and sticking to a budget... can’t switch until next year. Plan to buy for next year!!
I purchased the workbook in December so I only bought the new bill tracker download. Im thrilled with the changes you made, its PERFECT!!!!! Extra pay lines, sinking funds, extra debt and extra savings columns flows so much better. Also, the new sinking funds savings tracker is also PERFECT!!! having all the months with plus and minus signs allows me to write in red pen when I deduct and green pen when I add money. The beginning and end balances I write in black. This will help me determine for example car maintainence, how much I used and what month quickly by seeing it in red.
Floppy Bob hello I like that budget planner she’s using in her video. Where can I buy that exact planner at? Thank you 🙏
@@yolandasalazar1132 on her website www.thebudgetmom.com
Thank you! Excellent video! I am not a mom and my expenses are very different yet I think this system could help me. Will look into your workbook, Thanks again!
Thanks for posting this just for me since I cant sleep. Successful with my 20 Friday's! 💓seeing the new workbook in action. Again Congratulations!
I’m so happy I found your videos on here. I’m a single mom of four so I really hope this will help me.
I am literally drooling over this.
This is the best budget video on UA-cam!
Loved this video- very detailed and working with your actual numbers is very helpful. Thank you for what you are doing!
Thank you soooo much for explaining how each category works. I was struggling with understanding the cash flow verse the savings for holidays and other items and then sinking funds as well.
Great video! So glad you joined us Budgeting on UA-cam!
A zero based budget doesnt mean you have $0 in your checking account. Savings can be a category in your budget.
I do this on a blank paper. Nice that this is now available. I would like to do the cash envelopes too
I can’t wait to get mine!
Love your video. Great advice. I am not in debt, but want to keep track of where my money is going each month. I'm applying the envelope system next payday.😊
I know this might be such a weird question but what size binder do you use ? I know in one of your older blog posts you mentioned that you use a 1.5 inch binder but that was before you made the Budget By Paycheck Workbook. And here I see that you place your workbook in a binder.
Wow. I love all your sinking funds.
Thank you I will be ordering your book Friday omg this will help so much
Thank you very much for the transparency and detail in this video! You've helped a lot😍💖
Can you please do a video going over each section in the new BBPWB and how to fill them? 🥰☺️😁
I just found your page and I love the way your binder is organized. I’m looking on your page to see how you created this binder. March binder looks a lot different. I know you created the worksheet but what about the binder itself?
Do you have a printable for the house savings page? Or is it in your planner we can buy?
Where do you put the amount you spend on paper and ink. And, if I may ask without seeming rude, what do you spend on paper and ink for the type of budget? I have always done a paycheck budget (not zeroed out every month), but my budget docs were on an excel spreadsheet.
omg i love this workbook. congrats and looking forward to more videos.
Hello Miko,
I hope you get this message. I am grateful for you in how you are showing us how to budget by paycheck. I am new to this method however it is speaking to me. Do you have a video that is a walk-through on each area of the work book and why each area is important? How to link the pages together... Sorry, I need baby steps... (pun not intended. :) )
Hi, what do you do if there Is money left from your regular enveloppes? Grts cindy from belgium
With all that cash do you keep like you're sinking funds for instance in a safe? I just think about all that accessible cash being in my house and it makes me nervous. So I'm thinking that's probably how you do it but I'm just curious
Jamie Ford if you keep a ledger of the different accounts. Like a spreadsheet in excel, you can keep track of the amount in each account but have the money in one-bank-account.
Thank you for another detailed video, Kumiko! What do you plan to spend your spare change on from now on? Extra 529 savings or something else?
How do you pay off debt and also save for sinking funds all in one when you are trying to get by paycheck to paycheck
We live pay check to pay check also and are maxed out to the penny every check with no room for savings and that’s with tight budgeting and being very minimal with groceries (bc our income doesn’t allow it to be any other way). We never have even $1 left over for saving or sinking funds and we don’t eat out or do anything outside the house that cost money or even gas money. We don’t want to live like this forever. Therefore we had to start by paying off the smaller bills in the order of which one we owed the least on and we will keep doing that until it provides us enough wiggle room to both meet our minimum payments on bills and save at the same time. We had to stop being stressed about having a savings and realize we can’t afford to save and won’t be able to until we get some debt paid off. It’s a tough reality in this uncertain world but so far we have paid off 6 medical bills, a loan, and 2 credit cards...without snowballing because we can’t afford that either or we will start getting late fees. Hope this makes sense and is helpful. Moral of the story, don’t go farther into debt while trying to save but be very disciplined in your budgeting until you pay off enough things to create the room to start saving
Angelica Romero look up Dave Ramsey. And the debt snowball. You have to make a budget of the necessities. If you’re more than 50% of your annual income on car payments you need to sell cars if you’re over 25 to 35% of your income on housing then you need to find a place to move because you’re paying too much. You have to make a list of all your debts starting from The smallest to the biggest debt. Then you have to make sure you’re able to make at least the minimum payments on all your debts so you avoid interest but you have to put all your overtime money all your extra money into the smallest debt first and then work your way up to your biggest debt. Good luck.
Love the new budget binder! 💗 Thanks for keeping me motivated!
Thank you for the informative video. Where can I purchase the planner from? This is my first time trying to do the budget monthly & envelope system.
Please do a video on 529 plan. I have no clue how to start one lol
When will the physical workbook be available? I’ve been hunting for a good budget workbook for years and this one looks absolutely perfect and I can’t wait to buy it
Emma Swanson she sold out of the physical workbooks earlier in the month. she does have a pdf version available on her website. also, she’ll be doing preorders in august for her next launch in october.
Maybe u can divide your cash envelope money into clips like that u divide into the weeks... Like that u don't spend everything in the first week and in the last week it limited....
Good Morning! thank you for posting videos and sharing how you budget. I just got my bbp and was wondering what size binder do you use?
Wow my rent here in NZ is $2400 a month damn!
Saving $1000 a month for a $400,000 house would take you over 33 years...I’m confused
I love the new version of your paycheck budget binder! 😊 If I were to download the new version does the teller slip come with it or is that a separate purchase?
The teller slips are part of it!
Does the house savings tracker come in the workbook as well?
Girl! Thas awesome I do the envelope system but somehow I end up in rutt. What do you do when unexpected situations happen? Like they lower hours? You miss work sick days? More days of than usual? LAY OFF? I'm thinking of adding emergency fund envelope. Thanks for sharing!
#thinkmamaneedsraise
I hope you don't mind me answering. It is best to have an emergency fund (EF) for unseen events like job loss or late pay. It is suggested to build your EF with $1000 as soon as you can and then increase it to at least 3 months worth of living expenses. The ideal is having 6months to 1 year's worth of living expenses in your emergency fund. 😊
Also i cant wait to get my workbook!! Do i need a binder?
Can you make a video of you actually filling out your sheets and setting up your budget for the month. How do you budget in the $500 from your boyfriend? Do you get that money before you get payed or after?
When you stuff your cash envelopes at the bank, where do you do it? At the teller counter or where you get the deposit slips?
Amanda Cooper at home
@@yeraldingomez7194 she said she does it at the bank
how would you integrate money from a sinking fund back into your budget like if you use money from your car maintenance SF? or do you just not track it?
When you used to budget paycheck to paycheck, did you "rollover" your cushion expense into the next tracker? Or withdraw/transfer amount to savings?
I'm a new watcher so I'm sorry if you've already answered the question, but is there any reason you continue to rent while you save for your house, rather than pay a mortgage? I would have thought the mortgage option would make better financial sense?
Love the worksheets just wished it was a planner. Id rather have something shipped. Do you see yourself making something like that
Bianka Salgado it is a planner
When will the budget tracker book she's using be available?
It's sold out but I believe she will release it again in a few months. It's undated so you can still use it for a full year. You can purchase the pdf and print it from her site if you want it right away.
Hi new subscriber here from the UK. I love your system but I’m a bit worried about having all that cash in the house (your sinking funds). Do you not worry about being burgled? I don’t think home content insurance in the UK would cover you for having such large amounts of cash in the house. Xx
Where can we find/purchase the 3 sinking funds pages in the back?
I just found your channel and subscribed. I can’t wait to start a cash envelope system. I think I will start in May... where did you get these nifty notebooks? Gonna have to dive into your videos! Thanks for existing
How do you buy a house cash with out challenges? Like proving where the funds came from. Does that make sense?
I like your videos but with my phones volume maxed I can barely hear you :(
I just bought these but how do I use them when I get paid weekly?
do you have anymore workbooks in stock? or can you print and send me the pdfs?
Great video as always! Do you have any 401k, or retirement plan?
l think grandma needs a raise...🤔
Is your new budgeting book your using in this video available for purchase ?
Love this! Thank you!
I wish we have 1 AED Note also here in Dubai, it will be more easier haha.
I don’t know if I missed the April savings challenge or if it wasn’t included I’ll have to rewatch 😂
I missed it also
It's written on the top of her April Calendar. $10 cash envelope challenge. Every paycheck we are supposed to take $10 out of each cash envelope and add it to savings.
Sherri McIntyre I did see the $10 Cash on the page but I wasn’t sure if it was out of one or out of all and the details and I know she said she would explain it so I thought maybe I missed it. Thank you so much for explaining it to me. 👍🏻
My bill pay account has about 1800 and then when I get paid I never even touch that money unless a bill comes earlier than I expected. Is that a bad idea to have that much money in the checking account I pay bills with? I do a zero based budget on the income coming in. Like your buffer is 80, my buffer is 1800. That’s a huge difference.
I think she said she has $1000 as her buffer, but still adds $80 per month. Just to account for if she had to dip into that at all.
She has had it over $1000 before and took it out. I believe either for her house savings or Disney trip savings but she does state she has it at $1000. I think you can have whatever buffer you are ok with, my opinion.
I have $800 🤷🏻♀️
Ah okay I must have missed when she said that part. Thanks for the answers!
Hi does the workbook binder let you add more pages to the tracker? I also track other checking accounts
There is a digital download option on her site thebudgetmom.com
Is the sinking funds tracker visual separate? Or is it in the BBP workbook?
Dani Marcee do you know where to find the sinking funds saving details and the second page? (I have the visual via bbp central) Thank you 😊
Loving all the sinking funds envelope designs would it be possible to make those available to purchase; your videos have helped make my budget a reality ☺️
Dani Marcee thanks 😊
Hey do you sell sinking fund envelopes that we can buy? I really like the ones you're showing.
Nelly Nelly www.budgetmom.com
Hi! I've been following for a while. I was curious if you were struggling financially when you first started doing the zero based budget or if was mostly doing it to just pay off you debt? Great info you provide us with thank you!
What planner are you using? Great video
It's her own workbook. It's available on her shop thebudgetmom.com. it's available for digital download. The physical workbook that gets mailed to you is currently sold out.
How old was your son when you started contributing to your son’s college fund? My son’s are 2 months and 3 right now
Do you have the digital downloads available as separate sheets?
Soni More check the website www.budgetmom.com
I noticed that you don't have Renters Insurance in your budget. Are you not required to have rental insurance where you live or does your rent cover the insurance as well?
@@thebudgetmom Awesome. Thanks for letting me know. That's a good idea as I have it as it's own budget line, yet it's with my car insurance provider :)
Can you put the envelopes in a small binder
Dorothy Drakeford I did. I have the Recollection planner and they fit perfectly. I use a Velcro fastener to keep it closed.
This is awesome! Where did you get that budget book??
its hers! you can buy one on her website, I just bought it today, LOVE IT lol
What at home business do you do?? Im interested
Where can I get an organizer like that?????
amazon has a lot of them
nokturnna83 thanks!
Spotify is now including Hulu so if you change your settings you only have to pay for one 😊
Wow how is your car insurance and medical insurance so cheap? I have shopped around but I have never gotten a quote for less than $350 per month for medical and $150 per month for auto insurance.
Hi
I heard you quit your job for your business. Do you mind sharing what that is?
If one purchases the download, is that reusable over and over or is it just for one year?
Its reusable year after year.
Floppy Bob Thanks. I wasn’t sure if it was dated or undated.
How do I start budgeting when I am broke. I am living paycheck to paycheck. I don't know where to begin to track our spending
First thing you should do is pull your your bank statements for 3-6months. Grab a set of highlighters. Each highlighter represents a category. After you highlight your bank statements add up each category. Figure out the average amount your spending for each month for each category. This will give you a general idea of the amounts you need for your cash envelopes.
Next focus on becoming current on all your bills. You cant pay debt or use cash envelopes if you are always in a deficit. Once you become current on all your bills make a list of your debts. From smallest to largest. Pay the minimum amounts on all your debts. The extra money that is left over after covering all your bills and expenses should be used to pay off your smallest debt first. After you become comfortable with budgeting and you have a $500.00 to $1000.00 emergency fund start implementing sinking funds. Continue to use the debt snowball to pay down your debt and try to stay current on your bills. Hope this helps.
The workbook is sold out :(
I purchased digital version - received a discount after completing blueprint course
So organized & motivated. But can you help me for low income budget and must pay for daycare? My income every month is $1,000 and need to pay for daycare $200/ months. So I only have $800/month. My country is in Timor Leste. With this salary is a bit big to live in this country. I am hoping to hear from u, how to budget for a low income & saving.. thank u. Love Fatima
And also our payment is not in day 1st but in date 24th every month
I know this is a personal question, but I was wondering if you get any money from the father of your son and if you add that as your "business income" or you do not budget that at all.
THE BUDGET MOM I love your budget planner where can I buy it? Thank you 🙏
I wish your voice was as loud as your music.
❤️
DyIng FOR ONe OF this boOkS
Is my phone spazzing ? Or is your face popping up for like a second randomly throughout the video?
Your phone is not spazzing.
Really??? I have to go back and watch for that
I purchased your workbook but I’m unable to access it. I tried from my desktop but I’m not getting email notifications from you so I can continue to set up an account. Your shop took my money but no access. Do you know what is going on
I don't know how people spend so little on groceries.
😅 this is my problem too. 😅
Drink every time she says “I don’t have debt” 😅
Do you and your boyfriend live together? I’m curious as to why he pays you?
I Decided to send you an email instead....i cant wait for you to respond.