How Do I Make A Realistic Budget That Actually Works?
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- Опубліковано 25 кві 2024
- Do you find yourself struggling to manage your finances well? Would you like to improve your financial situation but you don't know how to create a realistic budget? Today, we will be talking about how to make a realistic budget that actually works and how to adjust it as you go so it is easier to stick to a budget. We will also be sharing why many common budget ideas can actually cause you more problems than they solve. Join us at 4:30 PM Mountain and bring your questions!
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We had term insurance until recently..we are 78 and 79 and the term insurance date was nearly up. We have whole life just enough to pay cremation costs so our kids won't have to pay..we have no debt and plots and stone paid for. 😊
Hi - I received my planner today - y'all shipped it on 4/24/24! The outer packaging went thru the really tough time thru the mail system & was covered with US Postal Service tape stating "received in damaged condition"! Planner is in perfect condition - ready to go to work for me!! Thank y'all! Having homemade pizza tonight using pizza dough recipe & pizza recipe from my Living on a Dime cookbook! Yum!!
I think an awesome series for you to do, or show would be how to live so that you don’t need to do spring, fall, heavy cleaning. That’s how I live, and my house stays perfectly clean perfectly in order 12 months out of the year. And you know what, it is much much easier, less overwhelming than people would think. Just a thought.
Just curious Tawra, why was the “family medical emergency” not covered by insurance? Not meaning to be intrusive. Just wondering if your experience might help us to avoid the same.
Would you do a show about a retirement budget? How much emergency, when to drop insurance, retirement housing if you can’t manage a home etc. Thanks
Please
I live in company housing, northeast Ohio, owned by my employer. I only pay $350 per month. I live by myself and it's a 2 bedroom, 1,000 square foot, house. I do all the yardwork, grass mowing and snow shoveling, to get the cheaper rent but the maintenance man from the office does any needed repairs or maintenance in my house
I am in east tennessee, my rent is $850 for an 3 bedroom 1 bath older house which is way lower than the rent average on my area. Been renting here for 8 years and landlord does raise it about $100 every year the last couple of years.
$3000 for CA 2 bed apt. Moving out of state late this year - FINALLY
Our mortgage is just under $500. It’s small but we live very comfortably!
My mortgage is 1200.00 and I get 2400.00 for rental. Paying down mortgage & it is less than 40k. While being rented, I’m doing big fixes (roof, painting) so I can write off those expenditures. First home paid in full. Will snowbird between the 1st and 2nd location, once all is buttoned up, paid off which I should do in 3 years .
Our rent is $1600 month in California farm country for a small home. This is low for our area but we have wonderful landlords.
My grandma lived off grid but was struck by lightning hauling in the water from the well. She did survive, though.
Going off grid is anything but simplified.
Chicken prices are going to spike too. There has been the first cases of bird flu passed from chicken to human. I am a small farmer and raise 80% of our own meat. I will be raising even more this year.
I have a dozen cards but only use 4 of them... and NEVER PAY INTEREST... I make sure I pay them off each month... every month
Our store is having a Cinco de mayo sale. 80/20 chopped beef $1.99 a pound limit 5 lbs. I already have some. But for that price I buy it put it in 1lb. Zip locks and freeze for future meals.
Don’t forget septic tank and well systems! Our tank had to be pumped out yesterday afternoon on a Friday!
Thank you for my cook books they arrived safe and faster than expected. I can not decide what kind of muffins I should bake for my church brunch. 😍 they all sound delicious. Sorry I missed the life show last night. I am always having dinner at the same time as the life show. Anyway I always catch up. ❤
I've used sooooo many complex budgets over the decades!! I love that yours is simple & pared down! We don't use a budget now as we just know how much we need/spend on everything now & save as much as possible or pay it down on our mortgage which is so nearly paid off! YAY! 🥰Blessings from South Australia💕🐨
Thank you for this video. Our family is in need of a budget really bad. This helps encourage me and informs me. Again Thank you.
Great show! I love watching it live but catching the replay is good too. Thanks for everything! P.S. I made the fudge brownies for my husband's co-workers. They loved them. I am known as the baking queen that's to your cookbook!
My daughter got her's today, i think i just bought it Monday....🤯❤️
Keep lifting people up with your kindness and wisdom, including Lorraine and Jennelle. Christians love one another. Please stay kind so as to not abuse your power, so wonderfully given to you. Blessings to everyone, a true form of kindness. 🐦🌻
My condo is paid off. HOA is $224/mo but that also pays for water and trash. My propert taxes have gone up but are still affordable. Im looking into the senior discount for property taxes. Im happily surviving on SS only. Working hard on paying off CC debt.
We don’t have a mortgage (THANK GOD)!!! We had our former house paid off, sold the rent house (was my grandparent’s then my dad’s then mine with each subsequent death) & when we moved to be closer to hubby’s immediate family members (MIL/FIL/BIL/SIL & our nibblings), we sold both houses (NEVER EVEN MADE IT ONTO THE MARKET FOR EITHER ONE) & within less than a month of buying this house - our former house FINALLY SOLD (Oklahoma storms am I right? Had to fix a few things & pushed closing out several times) this one was completely paid off. We are in the process of building our emergency fund back up to $10k (when the pandemic hit, we had over $20k which was seriously needed because 1- we never got a check from the government & 2- everything kept having issues… like forget in 3’s it was more like in 6’s… microwave fire, BOTH refrigerators were completely out… which meant 1 of the freezers was out… & in the past 4 years we’ve had BOTH freezers not working & lost all of that food ~ have temp gauges now so 🤷♀️🤦♀️).
In the past, we have solved our budgeting problems by moving, but we’ve moved a lot, and I don’t wanna do that to the kids again right now.
Here in Jacksonville FL, the rent for the house next door to where I live is $2000 monthly. That does include a pool with pool cleaning services. The neighborhood on average is about $16-1700 for a 2 bedroom home with 1 bath. I am lucky my brother is renting me the house for "insurance and tax" payments.
I got rid of our whole life insurance yrs ago. You might as well throw your money down the drain. You can buy your own annuity.
I live in the Midwest. $440 per month for mortgage. After we get our addition complete, we plan on paying off our house.
Regarding the dividends that people were talking about on whole life insurance, it is not something being given to you by the insurance company. It is a return of your own money because the amount that they collected was more than the cost of the insurance and the remainder is being returned to you.
The cash value in whole life insurance is taken away if you collect the face amount of the insurance if the insured passes away. You do not receive it because the beneficiaries only get the face amount. The cash value can be taken out, if you terminate the insurance coverage. but it would be nowhere near what you paid into the policy.
yes,paid off land and crappy home,but hey i m remodeling,no house payment for over 20 years,533 a year in taxes to the county and a very frugal electric bill of about 30 dollars a month
Wow on electric bill of $30; I have a $28 service availability fee every month, then energy charges and taxes. I don’t think $30 is even possible here.
Great video! Hope you feel better Tawra. Rest up for your yard sale adventures!🤗
I pay 1,300.00 per month for a tiny 1 bdrm apt in Florida. Florida cost of living is ridiculous. As I get closer to retiring I'm looking at other states to move to.
Love your vlogs !!❤
by the time i ask for my military discount,my fire department volunteer discount,my nurses discount and my senior citizen discount and use my saturday coupons at dollar general i m practicaly stealing groceries,yes,i do feel a bit of remorse when i pay hardly nothing the holy spirit reminds me of my blessings from him through life work
We always paid less than 1000 to rent a house the past almost 20 years. Rent is going up though so if we moved not sure we could keep it below that now. We have lived in duplexes too. I do not recommend an apartment if you have kids ( that was horrible) but having a duplex was fine. We have lived in lots of different rentals in the same area.
we do not get mail everyday anymore,the post office got rid of the veterens and local gal with a mail jeep and replaced the service with certain visitig workers every few days we get mail now
RENT: I’m in metro Detroit. I’m very fortunate, because while I’ve seen similar rates in this specific area, I know the rates in the immediately surrounding area are 20%-40% higher. My rent is $1,028 for a 2 BR, 1 bath. Each unit has a terrace, we have a pool, each unit has covered parking for 1 vehicle (doesn’t cost extra). We’re across the street from a shopping center, less than 5 minutes from 2 freeways, less than 10 from another and a major tourist attraction. The best part: my neighbors. As long as I’m here, I want them here too. We’ve got a good bunch in my building.
CABLE: in the 21 years i've lived on my own, i've not had cable. i haven't had any streaming subscriptions either. i was on a relative's netflix account - until i wasn't. LOL i would just sign up for free trials for other services. my thing has always been, i don't need to sit in front of the tv anymore than i already do.
I was watching a utube show, channel is A More Perfect Union. It was about the USPS. I think they were in Cheyenne Wyoming. They were talking about how the USPS used to have people sort the mail at each post office. But now they only want like one sort center so even if you're mailing something that is going across the other side of town it goes to the sort center first, gets sorted, then sent out again. It totally makes now sense. But that's big government for you.
Dont you have to pay health insurance in US
Tawra I think Cicadas have a cycle of 7 years. Melbourne Australia
I just received my books!
Hi Yield Savings Account and Money Market Accounts are two different types of savings. HYSAs are FDIC insured up to 250K. Money Market accounts are not. I have an online savings HYSA account at 5.1 percent.
Watch "Teal House Farm".. they are a young Christian family who are homesteaders...I enjoy it.😊
mortgage is $3200 now for us hoping to refinance if rates ever drop
😳
Where do you live?
I found Gabby this week. Her copy of Dining on a Dime is falling apart. Send her a new one please.😂😂😂 She is really a fan.
I agree!!! One cookbook would bring them many sales.
I love Gabby’s channel
Angus beef is DEFINITELY more expensive. Go for the less expensive cuts. It's not difficult people.
🇨🇦weve had some false use of our M/C, and we had to pay the bill, then they looked into it and gave us the refund the following month.
I live in Michigan and my mortgage is $560/mo for a small 3 bedroom house.
Hello from Louisiana
Rent is $1600 for 3 bed 1.5 bath townhome with a carport but no garage.
Mortgage w taxes and insurance is about $1300 a month. But we're in our 50s so I'd like to see it paid off.
Southern Indiana public housing.
1/3of my SSI. Includes rent and utilities execpt cable and phone.
I just have phone.
I live in southern California and I'm renting a room for 1200 I'm working on saving up to move to another state. 😅
I did not see health insurance in that list.
A lot of times it's included in your paycheck. Add it if you need to.
Make "fire cider" recipe f9r c9ld or viu
We've become too bratty spoiled and eat to much in America. I've been guilty myself but nope. Not happening. This is why no one has any money. Buy buy buy!!! We don't need most of the crap we buy!!! Get it together people!!!!😂
It’s all about choices people are making.
My mortgage payment is 850
Just checked in WM app, tenderloin is $14.82/lb. No, not buying it, just looked to see.
oh yeah people,been driving the 2000 dollar car for 5 years too
Do you still make your soap?
Just for personal use.
Here’s how we budget…… if it’s not a need…. We don’t buy!
What about homeowners insurance and property tax. Definitely something to be budgeted.
That is included in the rent mortgage section.
@@LivingOnADime Thanks. This is a good budget. All the best, and Happy spring.🫠
😮there's no such thing as a realistic budget because life happens
Curious, since this emergency you’ve had that has forced you to use credit cards (thankfully a 0%) if it has made you think any differently about putting so much towards your house. We are currently trying to decide how much to throw at our house, versus save for emergencies…we’ve currently been trying to have around $5,000 and are ready to tackle the house, but stuff like
This makes me wonder?
Would love a video on your thoughts?
(PS- I though I left a comment allready…but sometimes my phone is weird. Hopefully you didn’t take me wrong and delete . I’m not being AT ALL critical of your decision. We are ready to do the same thing…just curious if you’d do anything different? Or if it was just so wildly random and you can’t really prepare for it and you still thinks it’s best to tackle
The house after a 3-6 months savings….
We had 6 months living expenses saved up and that was all gone plus a good chunk on the credit cards. We didn't start paying on the house until we had the months. So we pretty much did everything "right" but life happens sometimes despite our best planning. If you don't think $5,000 is enough then save up $20,000 and then start paying it off.
@@LivingOnADime ok, thanks! Ya, we so bad want the house paid off! But it is at 3.25% so it’s like with current interest rates…do we just keep paying the normal monthly payment and save, save otherwise. We probably would be wise to have more like 20-25,000 before we get too aggressive. And as you say, we can prepare and plan, but life still throw’s curveballs!
Praying the Mother’s Day sale helps you out a lot!!! Appreciate your videos ☺️
Nope I'll eat beans and others cheaper before I pay those prices.