CREATING BUDGET CATEGORIES | Budget Tips

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  • Опубліковано 21 вер 2024

КОМЕНТАРІ • 223

  • @Havanah2006
    @Havanah2006 3 роки тому +185

    I started using Miko’s formula Nov 2018 & was debt free July 2019. I am still in awe that it was such a short period of time and now only Mortgage debt left - I use her formula every single paycheck. I swear by it 🥰 thanks Miko - Brisbane, Australia 🇦🇺

  • @kimberarchuleta1689
    @kimberarchuleta1689 3 роки тому +77

    You have helped me get out of dept and we are now saving for a house! I cannot thank you enough for all your information. Hugs from Montana

  • @brireid8064
    @brireid8064 3 роки тому +72

    Hey Miko,
    Would you do a video for us who are in college and what advice/tips on what we can do to set us up for a good future?

    • @lsanndrabrackins8169
      @lsanndrabrackins8169 2 роки тому +2

      Wow, just the fact that you are asking that question now and budgeting is a plus. I had no idea about budgeting at your age…

    • @brireid8064
      @brireid8064 2 роки тому +2

      @@lsanndrabrackins8169 thank you. I try

  • @michellemorales401
    @michellemorales401 3 роки тому +67

    Streamlining my categories really helped me to minimize the budgeting process and save time when closing out my budget.
    Also, once upon a time Orange (Eating Out) dominated my expense trackers. Now PINK (Debt) dominates my expense tracker.
    It takes time to get things to be the most EFFECTIVE AND EFFICIENT, but it's worth it!
    💙💜💙

  • @melissastack5983
    @melissastack5983 2 роки тому +20

    Thank you so much for this video! I just received the box set this week (11/23) and opened up the Nov book and started right away. It's an eye opener on where I was spending my money when I wrote it down! $729 on what I call "Stupid Spending" when I could have put it towards my Credit Cards!. Here's to 2022 financial freedom!

  • @BrittneyKeiona
    @BrittneyKeiona 3 роки тому +25

    Ahhh THANK YOU FOR THISSSS!! I remember a little while back I had to take a screenshot of an IG post of yours that showed your labeled highlighters, so that I something to sort of guide me. It was very helpful, and now this video, ON TIME! The more I highlight month by month the more my spending is more visible and I know where/what I need to cut back on or realize if there is a new category that I need to actually start budgeting for.

  • @allisgrace1313
    @allisgrace1313 3 роки тому +13

    I REALLY appreciate when you do very focused videos like this! It's definitely what helps me learn best! Your a great teacher!

  • @LivingSwedish
    @LivingSwedish 3 роки тому +57

    I really got into budgeting. It's kinda cool 😎 😂

    • @thebudgetmom
      @thebudgetmom  3 роки тому +4

      😍😍😍😍

    • @thevictoriagoogin
      @thevictoriagoogin 3 роки тому +5

      It really is!! And I'm by NO means a # person...like need a calculator to check my calculator 🤦‍♀️🤦‍♀️🤦‍♀️ but it's so fun.

    • @diamondsandpearls899
      @diamondsandpearls899 3 роки тому +4

      No lie it’s kinda impressive ❤️🥰 especially seeing the results of your discipline

  • @marigarza9201
    @marigarza9201 3 роки тому +3

    I was lucky BLESSED to work 2 jobs at the beginning of Covid paid off 12G’s towards my car but started to slack off on my budgeting (exhausted) Will get back on track, I miss it and most importantly it HELPS!!! Thanks for all the great videos!

  • @xxmstooexclusivexx
    @xxmstooexclusivexx 3 роки тому +6

    Thank you so much for doing this! After scavenging around the internet for printables to start with and found a few here and there but NOTHING LIKE YOURS!!!😍… once I clicked the link for the budget categories sheet I quickly found every single sheet I was looking for and then some it made my day and saved me valuable time. Your the GOAT thanks again

  • @jennnance867
    @jennnance867 3 роки тому +34

    Miko would consider doing a video where you walk us line by line of writing out an expense tracker? Maybe for a month you’ve already done so we can talk real numbers? I understand writing down when I spend money, where it came from and where it went but I get confused about money coming in as income, money coming in from another account and how to show this from a savings expense tracker to a checking account expense tracker. Also, if I set aside $150 for groceries for two weeks why can’t I just write down that I spent $150 on groceries instead of writing down the multiple transactions it took me to spend the money? I love the program and it is changed my life and for one I am owning my debt, making plans and making some serious attempts to pay it off! I feel like I’m missing the big picture if I can’t get a handle on the expenses tracker - I’m never going to be able to proceed to close out my budget! 😳

    • @thebudgetmom
      @thebudgetmom  3 роки тому +13

      OHH! I love this idea! Yes! I will look into this and thank you so much for the wonderful feedback and suggestion!

    • @latoyamitchell7095
      @latoyamitchell7095 4 місяці тому

      Agreed! Would totally benefit from this type of video as well!

  • @margaretderrouel5715
    @margaretderrouel5715 3 роки тому +18

    I love how you have transactions all fit into categories, I get confused sometimes where to put them but this makes so much sense I'm going to do this thank you for teaching me something new ❤️

    • @thebudgetmom
      @thebudgetmom  3 роки тому +2

      I am so glad it helped!

    • @SmallSpoonBrigade
      @SmallSpoonBrigade 2 роки тому

      Generally speaking, when you have to categorize or organize something, if you have to think about where it goes, you're probably going to stop using it before too long. Go broader with the categories. If you decide that a category is too broad, you can always add a new category that can logically split it into fewer items.

  • @melissaandreag
    @melissaandreag 3 роки тому +17

    I love this! I agree that it’s important to decide the right amount of budget categories for yourself. I’m totally guilty of the “personal allowance” being broad and it’s usually anywhere between $200-$400 depending on the month. I don’t mind though! I know most of my personal money goes to skincare, by far lol, but it greatly varies per month.

  • @natashaa1611
    @natashaa1611 Рік тому +1

    I jumped on the cash budgeting in January and found this is absolutely great I have found out where my money has been going and have saved money and paid off 2 debts it's an amazing feeling I am so happy I found the budget mom

  • @bcase5328
    @bcase5328 3 роки тому +14

    I could say there are about three classes of categories: Fixed, Variable, Irregular. How detailed you really need a category to be may depend on which class it is within. Maybe, Irregular is only irregular if viewed monthly rather than annually. This is something you can work out over time using it.

  • @kittyp979
    @kittyp979 3 роки тому +7

    Best highlighters I’ve ever used! The colors are so pretty too, and have such a great variety of colors as well. Such a great video! ❤️

  • @starrchick28
    @starrchick28 2 роки тому +2

    I had been looking for this video for weeks, never quite had time to watch it as I had tried doing my own categories numerous times with lessons (not failure). I finally got time to watch this and it helped breaking down the categories, letting me have insight on what is truly what in my own budget. Thank you so much Miko!

  • @jennlorence
    @jennlorence 3 роки тому +9

    Ugh! I struggle with my household category.. but I’m going to make this chart for next month and utilize it going forward-great!

  • @marcywilson6055
    @marcywilson6055 Рік тому

    I had to comment and say THANK YOU for letting us know about Ally bank. When you said the word ‘buckets’ a light bulb went off and I saw it as a method I could really use and stick to. I made a colorful and visual spreadsheet showing where every paycheck is going. When we get paid, I update it and make adjustments as needed if we were short or had extra money. I look forward to using my guide and adding money to each bucket and watching them grow. It’s made it fun and maintainable as well. We also started using one rewards credit card for every eligible expense and that visibility has helped keep everything in one place, so at the end of the month, when I get the bill, it should match what I have put into the budget buckets. ❤ Thank you!

  • @1time4younme
    @1time4younme 3 роки тому +6

    This is a very helpful video. I recently got off track with my budgeting, but I am really excited to refocus on budgeting.
    I know you've explained about budgeting categories before, and I've implemented those ideas, and really enjoyed budgeting. But, something about this video just opened my mind up even more. Thanks so much for all the work you do to continually provide us with help. It is much appreciated! Janet.

  • @diamondjanedoe4317
    @diamondjanedoe4317 3 роки тому +20

    Thank you for this printable. I need this because I can’t keep all the categories consistent!
    There is only my boyfriend and me and our grocery budget is $600. I’m going to break out groceries, delivery, and eating out. It’s really the Grubhub that kills us because of all the fees. Even pizza is now $60 to be delivered!

    • @as052909
      @as052909 3 роки тому +10

      Delivery is a killer! I make what I call pantry pizza everything is on hand always. Pillsbury hot roll mix. Jar of pizza sauce and shredded cheese(always in my freezer along with pepperoni or other toppings). So easy and fun to make and usually the same or faster than delivery!

    • @brendahowell5946
      @brendahowell5946 Рік тому +1

      Oh my that's not good!!!!. Make a menu for lunch and supper. then go grocery shopping only get what's on list. Skip junk food get fresh fruit an vegetables in small amounts since it goes bad quickly. It may take awhile to get use to but it pay off in lot ways!!!

  • @toniawilcox6959
    @toniawilcox6959 2 роки тому +3

    I know the budget category tracker is a freebie, but this would be an AWESOME addition to the workbook!!! the page right before the months start?? Just a thought for next year. :)

  • @teresamunoz91
    @teresamunoz91 3 роки тому +8

    I definitely needed help with this. However, one area i have a hard time budgeting is gas! Esp with rising prices. I live in California and where I live it is currently $3.99 a gallon. 4 months ago I was spending $60 a month on gas and this month I spent $120! I am driving the same amount

  • @Honeypop252
    @Honeypop252 3 роки тому +2

    Labeling the highlighters is such a good trick.

  • @lindsaystudebaker1727
    @lindsaystudebaker1727 3 роки тому +5

    Buying your budget by paycheck workbook was the best thing I’ve ever done for my budget. Thank you!

  • @financechannel5815
    @financechannel5815 3 роки тому +2

    Thank you so much for explaining the budget categories. This will help me out with my personal budget plans.

  • @shalimarlittle8374
    @shalimarlittle8374 2 роки тому +6

    How does tracking work with trips to places like Walmart, Target, Costco where I’m spending in multiple categories on a single receipt (i.e., new bathing suit, groceries, and printer paper)? Do you sit with each new receipt and break each item down by category with the highlighters?

    • @OvOwlEyes
      @OvOwlEyes Рік тому +1

      That is exactly how I do it.
      At first I just grouped them all together because I just wanted to get into the habit of tracking everything. After a couple of months when I felt like I had a good enough handle on my routine I started to break them down. (Home, child, me, food) I also split up the taxes between all of the items evenly (you don't have to do this)

    • @username00009
      @username00009 Рік тому +1

      At Costco, you can request a subtotal on your receipt. You would need to load the items on the belt by category, and I would probably put the little divider in between each category to keep things from getting mixed up. Other stores should also be able to do subtotals, but Costco employees are very familiar with subtotals due to people bringing guests to shop.

  • @amandaramsay5934
    @amandaramsay5934 2 роки тому +1

    I loved the break down of categories. So helpful.

  • @sleepbootbianca
    @sleepbootbianca 3 роки тому +2

    Hi Mike, I would like to thank you for your free printable!! Very kind of you! I live in THe Netherlands so I can’t use them always one on one, but they already served me great in my budgeting our family-life!
    Kindest greetings, Chantal

  • @susanappleby3425
    @susanappleby3425 3 роки тому +4

    Great video. Do you just make categories for your cash envelopes or do you also do sinking funds? I liked seeing your expense tracker. When you use sinking funds do you put it in your category or mark it as sinking funds. Been following you for about 6 months working on this. Have made good progress. Thank you for what you do!!!

  • @definitelyclari8266
    @definitelyclari8266 3 роки тому +3

    I really appreciate your wealth of knowledge you are sharing.

  • @DearDebt
    @DearDebt 3 роки тому +15

    I love how you make these videos so easy to understand. Budgeting can feel really overwhelming at first! ❤️

  • @FutureGrowAcademy
    @FutureGrowAcademy 4 місяці тому

    ❤ Awesome Video as always!
    🌟 I really enjoyed the way you explained it.
    Tips For Creating An Effective Budget-
    1. Know The Purpose Of Your Budgeting
    2. Make an Irregular Expense Plan
    3. Know Your Income
    4. Determine Your Monthly Spending
    5. Set Reasonable Goals
    6. Track Your Spending
    7. Try Out Different Budgeting Plans
    8. Create An Emergency Fund
    👉 Stay connected & keep up the great work.

  • @Never4GottenTimes
    @Never4GottenTimes 3 роки тому +2

    One thing I noticed is there is no where for clothing to go? How do you categorize this and do you have a cash envelope for it?

  • @kathrynparker6428
    @kathrynparker6428 3 роки тому +3

    I love your videos! They are so clear and helpful! ❤️

  • @lisacarr3824
    @lisacarr3824 Рік тому

    thank you so much! your advice is priceless. I wish everything wonderful for you! thank you

  • @teresawatson6401
    @teresawatson6401 3 роки тому +3

    Thank you for this video. I was hoping you would have some guidance on how to set up budget categories. This is only my second month and have had an interesting time figuring out where to put things that make sense to me. But, this video was very helpful!

  • @jenniferm.3842
    @jenniferm.3842 8 місяців тому +1

    I’m trying to set this up and I’m very confused about the page at 5:27. Why are all of these payments classified as savings? Like a costco charge? I don’t understand.

  • @LucasDanielSantoro
    @LucasDanielSantoro 3 роки тому +1

    Kimiko! Where do you put your clothing expending? Books? Videogames? Home appliances? Etc. Should I make a category for each one? I struggle with the forecast. How would I know how much will the shoes I plan to buy cost? Or if I will buy a book or not next month and how much will it cost? Please help me! You are my go to person when I have personal finances questions.

    • @thebudgetmom
      @thebudgetmom  3 роки тому +1

      How much or how often do you buy those things. Videogames would go under my fun category, clothing for me is Misc but that's only because I really don't buy new clothes very often, but I can understand why some people might want this one as it's own category, especially if you are buying kid's clothing, home appliances would fall under my household category, shoes would go under your clothing category ;-)

    • @vanefreja86
      @vanefreja86 3 роки тому +1

      @@thebudgetmom I was about to ask the same. I think I will put my clothes under misc. And shoes in a sinking fund. I buy clothes second hand, but want to build a collection of good quality shoes that lasts a long time and are made to fit me. I feel it is a good investment- your feet carry you through life. 🤗

  • @monikap2067
    @monikap2067 3 роки тому +3

    Hello, this is really helpful. Could you advise what is the different between holidays and vacations? And why should I separate them? Thank you

    • @thebudgetmom
      @thebudgetmom  3 роки тому +5

      Holidays is for spending on Christmas gifts, gift cards, cards, etc. I like to keep mine separated because I like to know past spending to set new holiday spending goals in the future.

  • @karentraficante2611
    @karentraficante2611 3 роки тому +1

    This is very helpful. Thank you! I’ll try this out :)

  • @MoneywithDan
    @MoneywithDan 2 роки тому

    So you need to write your expenses down on paper after looking at you bank statement each month and use the category highlighters to organise. Got it! Thanks 🙏

  • @chrissyosartscraftsanddesi5643

    I'm going on my first Cruise ever🎉🎉🎉 I'm so excited and u guys help me Prepare💯 In fact I'm over prepared 😂

  • @TaylorBudgets
    @TaylorBudgets 3 роки тому +1

    Gotta print that out. Thanks 😊

  • @Babydoll_bre
    @Babydoll_bre 3 роки тому +1

    Omg I love this, can't wait to order everything 😍 and start budgeting

  • @trenitymeridith2064
    @trenitymeridith2064 3 роки тому

    Thanks you for sharing I'm still a beginner and I'm going to try this system out this month in june 2021 for my birthday

  • @ritafletcher86
    @ritafletcher86 2 роки тому

    I love your UA-cam channel keep up the great work and encouraging your fellow youtubers like myself may you have a wonderful bless and safe 2022 thank you so much

  • @irisperez117
    @irisperez117 2 роки тому

    Can you make a video on how you organize your receipts? I am terrible with receipts! Unless you already have a video then, I am totally bypassed it on my binge watch of your videos.

  • @nancynewman6592
    @nancynewman6592 3 роки тому +2

    Excellent information. I have always been into planning my budget ahead of time, in that as a musician, my income was never the same. The Ramsey method helped with that, with sinking funds etc. However I started your colour categories, and have a developed a system that finally works for me... not too busy and not too spare Just right :) This video will help a lot of people get started with confidence.

  • @treetrebel4878
    @treetrebel4878 2 роки тому

    I'm reaaaalllly not a fan of manual tracking. But u definitely got something good going here. Really like the setup, specially with the highlights

  • @MsDesignDiva
    @MsDesignDiva 2 роки тому +1

    This is genius and I think I'll do this but when I do it I'm gonna do it digitally in a spreadsheet, because I love spreadsheets, lol.

  • @symone2179
    @symone2179 3 роки тому

    New subscriber thank you sooo much I’ve been
    trying to get this budget down I will start this 🙌🏾

  • @seasonalliving2881
    @seasonalliving2881 2 роки тому +1

    do you track fixed expenses (like bills) or just variable spending (groceries, gas, etc)?

  • @vzimmer1951
    @vzimmer1951 2 роки тому +1

    My problem is trips to Wal-Mart. One trip might include 5 or 6 different categories. How do you keep track of those categories?

  • @aliciak6753
    @aliciak6753 2 роки тому

    This is very helpful....Im going to be tracking in AUG an your ideas have me off to a good start....thanks!

    • @matemahe
      @matemahe 2 роки тому

      Today's the 1st of August how you doing?

  • @donnagomez2680
    @donnagomez2680 8 місяців тому

    Miko, I am loving your budget book that I bought myself for Christmas and have used it religiously. And I am doing my categories but I am unsure which category makes sense for the income tax fee our accountant charges us. Misc won't work because it's a planned for annual expense, but it's not a household or utility or shelter category either. Please help point me in the right direction.

  • @goddessgaea19
    @goddessgaea19 3 роки тому

    I ordered my planner…I’m so excited

  • @mjax8614
    @mjax8614 Рік тому

    I am happy with my categories now. Just wondering whether to start afresh each month or to carry over the plusses and minusses from the previous month. One category can be very variable.

  • @kenal3568
    @kenal3568 3 роки тому

    You make me motivated on doing this. Thanks.

  • @SmallSpoonBrigade
    @SmallSpoonBrigade 2 роки тому +1

    IMHO, it's better to have too few categories that you actually use, than too many that you won't use them. You can always add categories over time if there's an area where you decide you need more information.

  • @kushtyler1614
    @kushtyler1614 2 роки тому

    Miko it seems overwhelming but I think I may be able to handle it. I was never one to budget. But I am tired of living paycheck to paycheck when we make enough money to live a comfortable life.

  • @123kirmizi
    @123kirmizi 3 роки тому

    yayyy. I have been waiting for your video. You should post more videos please

  • @ashleyeifeldt708
    @ashleyeifeldt708 2 роки тому +1

    What category do you put Amazon and Costco memberships under? I currently have them under a subscription/membership category but I know D+ can go into fun/ent, and I have a work related one that I would put into my office/work category, but I'm lost on the Amz/Costco ones.

  • @tinawilliams9163
    @tinawilliams9163 Рік тому

    Hi! I just discovered you and the BBP method last week. I’m starting right now in March. Should I go back to February to track my spending and figure out my categories? Thanks!

  • @bodacious1556
    @bodacious1556 2 роки тому

    May I have a copy of your color coded categories please. I need one. Awesome video by the way. I am now a subscriber. Love the way you explained things. God Bless You.

  • @necoleonline
    @necoleonline 3 роки тому

    These are some great tips. Thank You

  • @mary-katepauta6690
    @mary-katepauta6690 3 роки тому +5

    I just started the cash envelope system and have my budget sheets all figured out. Do I just go to my bank and ask for the bills that I need?

  • @rebeccajudd7270
    @rebeccajudd7270 3 роки тому

    Super helpful! Thank you!

  • @h.smith.6586
    @h.smith.6586 3 роки тому +1

    This made sense to me more than other videos 9n budgets that I've watched. Question: is your house paid off because I didn't see where you put that bill.

    • @aprilmay4992
      @aprilmay4992 3 роки тому +1

      Yea she bought it in cash, she has a video on that

  • @mackugler32
    @mackugler32 3 роки тому +1

    What category do you put clothing under? Is that a beauty or misc.? Or maybe just a sinking fund and shouldn't be in these categories? I am new to this, I get paid on the 20th of every month and here is to month #1 of my journey!!

    • @TH0KH
      @TH0KH 3 роки тому

      Probably depends on how you spend. I put clothing as a sinking fund, since I don't use it every month but when I do it tends to be a larger chunk at once. If you buy clothes monthly then putting it as its own envelope category or in with beauty would probably make sense

    • @mackugler32
      @mackugler32 3 роки тому +1

      @@TH0KH Thanks for your response! That's what I've been toying between, as a sinking fund or within beauty. I am 24 and a teacher, so I am still trying to build my profession wardrobe. So if I find a really good deal on something that I can use over and over again, I buy it. But it isn't often, so I am leaning toward a sinking fund for it!

  • @janeknight3597
    @janeknight3597 3 роки тому

    The best video I have seen on this. Brill

  • @efsaturn
    @efsaturn 3 роки тому

    I saw someone that printed out labels to pu in their pens so the always use the correct color sometimes the are so close.

  • @samanthaduggan4376
    @samanthaduggan4376 3 роки тому

    Thankyou you have helped me so much x

  • @jocypare6019
    @jocypare6019 3 роки тому +2

    I have a question. do you itemize your receipts??. for example you go to Walmart you buy a few categories do you separate those??,

    • @Kawale04
      @Kawale04 3 роки тому +2

      im wondering the same

    • @erikaramirez6558
      @erikaramirez6558 2 роки тому

      If it’s a lot of items you could separate the transactions when you load them on the conveyor belt. That way the receipts are just that one category. Or if it’s only a handful of items you could itemize.

  • @Simply_Helen
    @Simply_Helen 2 роки тому

    Thank you ! 😊

  • @ambersawyer6305
    @ambersawyer6305 3 роки тому +15

    I struggle when it comes down to a store that sells all of the things. I find it too tedious to sit and subtract the things that go to different categories and add state tax and all of that.

    • @blessedmamags7796
      @blessedmamags7796 3 роки тому +6

      For me, for example, walmart, if I buy food, car oil, light bulb and Vitamin, it all counts as groceries. Just adjust grocery category accordingly.

    • @ambersawyer6305
      @ambersawyer6305 3 роки тому +3

      @@blessedmamags7796 okay. Makes sense. So if you buy kids clothes, vitamins, toys, food...do you itemize that recipt then? That was more of what I was getting at...if I go to Meijer...it is a place for all things. Not just grocery and household items. Could be buying gifts, gift cards, pick up our scripts...all the things in one store.
      Also, I thought of another thing that keeps confusing me. We have our electric and gas bills set up for auto pay. But the bill cycle dates overlap months like 4th of March through beginning of April...then the bill is taken out the end of April... How do you nicely budget for those kind of things when they don't fall in a specic month cycle. We pay the bill a month later technically and it confuses me when trying to put it in our budget

    • @nitaprice5332
      @nitaprice5332 3 роки тому +3

      I separate items at store inform cashier I will have to checkouts. No issues. I will admit I was embarrassed at first, however, all cashiers have been very kind and accommodating.

    • @blessedmamags7796
      @blessedmamags7796 3 роки тому +2

      @@ambersawyer6305 yes unfortunately I would seperate clothing and RX ... Groceries and cleaning supplies and light bulbs all lump into groceries category for me. I have done Dave Ramsey budget for 17 years now, it's very precise. 😁❣️

    • @blessedmamags7796
      @blessedmamags7796 3 роки тому +3

      @@ambersawyer6305 Gifts for people go under Gift category. I once had 53 budget categories hahaha 🤣😂.... It's less now lol ❣️

  • @breeruckrigl6105
    @breeruckrigl6105 3 роки тому +1

    Where does the cushion come in? Finally have enough for a good cushion! 🙌🏻 Would you write that as a bill?

  • @mspbonita5317
    @mspbonita5317 3 роки тому +3

    Thank you for all your tips and you are so beautiful!!

  • @lauriegentle4083
    @lauriegentle4083 2 роки тому

    How do I find your website to find the printable? Thank so much for all information you are helping me out of debt.

  • @judiethgettan4916
    @judiethgettan4916 2 роки тому

    I have recently started using TBM system and am amazed at how well it fits my life, but in watching and learning I am not understanding how to add gift cards to my envelopes. Please help. Thanks so much for this.

  • @mksugerman1500
    @mksugerman1500 3 роки тому

    Great instructions!

  • @nitaprice5332
    @nitaprice5332 3 роки тому

    I needed this video, thank you. What category would you recommend I put my truck payment and a school loan (just paid off another school loan 🤗) only one left.

  • @Courtnos302
    @Courtnos302 3 роки тому

    Thank you

  • @becky1178
    @becky1178 3 роки тому +1

    Miko does her own nails?! I need the deets!

  • @lausol1108
    @lausol1108 3 роки тому

    I needed this video

  • @ericamarie0
    @ericamarie0 3 роки тому

    This was so helpful

  • @edimops7285
    @edimops7285 3 роки тому +1

    Say whaaat?! Is Tuesday the new Saturday?! lol ...also, super timely since I was debating about a few things just the other day. Thank you!

    • @thebudgetmom
      @thebudgetmom  3 роки тому +1

      I was a little late posting Saturday's video 😍

    • @edimops7285
      @edimops7285 3 роки тому +1

      @@thebudgetmom that’s okay! Also, I would totally be into watching a video of just the bloopers 🤣 ☺️

    • @thebudgetmom
      @thebudgetmom  3 роки тому

      @@edimops7285 Ohh! I have one here on my UA-cam and it's hilarious!

  • @erynemarcelo277
    @erynemarcelo277 Рік тому

    It's been 5 months since we started living independently. It's confusing because I'm the one who handles the budget my parents give us (siblings living together in a studio: with my little bros 14 & 15, sometimes w/ my twin sis too 22) and we tend to borrow money from each other or when we didn't have enough, one of us would shoulder it first. It's confusing. I also have personal money but I tend to spend it for our expenses and just lose track. We stick to basic needs and cheap snacks. It's frustrating how I had to use next month's money for electricity bills. The 3 of us have 500-peso daily food budget (for reference, a piece of large egg costs 10-pesos) & we have bills & allowance budget but it's always not enough bc bill amount aren't fixed. The only thing I'm happy about is I'm consistent with small savings for the two little 14 & 15 brothers.

  • @sergiocaldera8797
    @sergiocaldera8797 3 роки тому +1

    Hi. In what category will you put Costco and Sams club membership?

  • @julesb7661
    @julesb7661 3 роки тому

    This is an odd question possibly but what do people put their bank fees under? I can’t figure out which category... misc? Household? Create a whole new category? 🤷🏼‍♀️

  • @kamiksss
    @kamiksss 2 роки тому

    I love that we have the same name except spelled differently mines Kamika 😉 when I first heard you say your name I was like, hey when did I do a UA-cam video 😂

  • @lorienleigh
    @lorienleigh 2 роки тому +1

    Do you consider debt payments a budget category?

    • @pollydolly9723
      @pollydolly9723 2 роки тому

      Yes, it is a “debt” category. If you watch the monthly budget recaps on UA-cam, Miko’s assistant Ryen has student loan debt. You can see how she tracks it 😊

  • @bethbrink6032
    @bethbrink6032 Рік тому

    Where would you put internet and cell phones?

  • @Birdmom1823
    @Birdmom1823 3 роки тому +1

    💜💙💜💙💜 😊 love your videos 💜💙💜💙💜

  • @specialk8927
    @specialk8927 3 роки тому

    Just ordered some markers and another budget book on Amazon

  • @carolynnsuga8995
    @carolynnsuga8995 3 роки тому +1

    WhT markers do you use??

  • @UstsjerIstsjanf
    @UstsjerIstsjanf 6 місяців тому

    helpful

  • @dominiqueakpore330
    @dominiqueakpore330 3 роки тому +3

    I make my copays and hospital bill payments on my FSA card. Should I be tracking that as well?

    • @mistydavis4746
      @mistydavis4746 3 роки тому

      I do....because they are an expense. I tack it under Medical and within that category I break all down into co-pays, deductible etc... by person. I also track vitamins and prescriptions.

  • @jennifergrooms4153
    @jennifergrooms4153 3 роки тому +1

    This may be a silly question but I've never done the envelopes of cash before. I sew and would def need a category for that. I get a lot of my sewing stuff at Wal-Mart but will also get some groceries, beauty and health items, etc in the same trip. Do you just check out once and then reconcile your envelopes once you get home? Or do you check out separately for each category?

    • @erikaramirez6558
      @erikaramirez6558 2 роки тому

      Separately. She loads the conveyor belt by each category w/a divider. That means ppl are waiting behind you longer but it saves one extra step when you get home.

    • @pollydolly9723
      @pollydolly9723 2 роки тому

      Hi Jennifer, I am also a dressmaker. I have a cash envelope for “clothing/fabric” that I stuff every time I get paid. If I have a big project coming up, I won’t spend any of it for a couple of months to save up for it. I am trying to sew my stash this year to try to save.

  • @luv2cook5
    @luv2cook5 3 роки тому

    I've been working on my budget since January..I haven't perfected it yet 🙃