LARGE FAMILY MONTHLY BUDGET // bills + expenses with REAL numbers!
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- Опубліковано 6 лют 2020
- Hey friends! In today's video I'm going to share with you our family's budget for the month of February, with REAL numbers!
My Favorite Finance Mamas:
Lydia Senn
Jordan Page (Fun, Cheap, or Free)
The Budget Mom
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Whaaat!! All of your debt paid off but mortgage? And you just glossed over it like it ain’t no thang?! Congrats girl! 👏👏👏👏🥰
Probably cause it’s the third time in five years 🤦🏻♀️ This is the year for changing the habits that keep getting us back in that place!!! 🙌🏻🙌🏻🙌🏻
I’ve been quietly watching for a while now. I just want to say you are my favorite UA-camr! I love how real you are. I’m constantly striving to be a better Christian, to be a better mom, wife, teacher, and I find so much inspiration in your videos! We are working towards buying our first home this year and meeting some other financial goals. I am new to budgeting as well and I love this video ❤️
Wellllll ur income is the same and I have 2 kids (and 3 daycare kiddos) sounds like I can afford more kiddos 😘👀
I was also raised to not talk about finances so watching this I felt like I was snooping 😂🙊
🤣🤣🤣
Love hearing real numbers! I feel like I can relate better and it helps me to take a closer look at my own budget. And I am a pen and paper person too. Thank you for this video! I am looking forward to more. 😊 Also, absolutely loving your hair! 💗
Y’all are you doing fantastic! No consumer debt??!! That is a huge deal.
Thanks, Lydia!!
Pennies into Pearls and Freedom in a Budget are great channels to watch for budgeting as well! I love Lydia Senn. Thank you for sharing!
SO much more relatable when I can hear actual numbers! Being debt free must feel awesome. Loving these budgeting videos that you’ve been putting out, Ashleigh! ❤️
Love that you're willing to share numbers! Isn't it strange how secretive people can be when it comes to money? We all have to deal with it, whether we have lots or little.
Thank you for being bold!
Our income is about the same, and I think I really needed to hear this. Somehow I always feel like we don't make enough, when in reality I am just awful at managing it... haha
Paper and pen kinda gal here too..I NEED to see it all in action...holds me more accountable...although I am only responsible for grocery budget but it helps
I love watching these, thank you! It always surprises how different prices are everywhere. New tires where I am are easily over $1000!
We have been in the same paycheck to paycheck place for 25 years. It's so great to feel solidarity with other big family, homeschoolers who are facing the same challenges. Thank you for your transparency.
Wow you guys have a really good income! It's so true that when you control your money and not let it control you it creates so much freedom. Thanks for sharing your numbers- I appreciate hearing how other families manage their money.
Thank you for your transparency! Loving the new series on budgeting.
I'm a pen and paper girl too! I've tried several apps as well as a spreadsheet and always end up back in my notebook!
Absolutely loved this! I would love to see more of these 😍
Hi Ashleigh, I discovered your channel through your sister’s channel, and I love it. You are right, there is so much freedom in a budget because you’ve designated where the money is going so no guilt when you do make a purchase within that budget. We found ourselves in a financial pickle about three years ago - husband’s wage was stuck, and cost of living was going up. We did a lot of re-evaluation of our spending and started budgeting. It has been a life changer. I’m a pen and paper girl too, for everything, EXCEPT our budget, I use EveryDollar, and I love it. It does all the math for me, and sometimes the month is going along, and life happens. We need a little more money in an area, and I can look at where we might be underspending in another area and move it. Our budget is for the most part firm, but it’s sometimes needs to be a little fluid. Best of luck to you guys this month, and I look forward to seeing how the month goes for you. ❤️
Thank you for your honesty and transparency with us!!!
Loved this video, Ashleigh! I love to budget and I also do it "pen and paper!" It sounds like your February budget is on target...congrats!!
I think this is my first time commenting although I’ve watched since Hazel was a baby! Way to go on that budget, I’m impressed and inspired! Congratulations on paying off those debts this month!! Way to go!!
Sarah from Our Tribe of Many has really good food hauls for big familly and also easy recipes. Love you and your family
Thank you for sharing! This actually helped me to adjust some items in our budget
You could do no fast food every other month, than it doesn’t sound as hard and you still get treats. Xx
Congrats on being debt free!!! And great job on this budget, I know it can be tough! Thank you for sharing, from one I’m pen and paper girl to another :)
Thanks for being open even with yalls finances!
I've been a budget girl for years and every time I talk budget with others they get closed off about sharing $ amounts and would look at me like I'm crazy when I share actual $ amounts. I think its great you are open enough to share real $ amounts!!! It really gives a tire picture of what a budget can do for your sanity and financial freedom! The thing I do for house maintenance, car maintenance, and kids clothes budget is to have a sinking fund; where I set a side $67 a month for clothes and $200 for maintenance stuff. So when the need arises there is a pretty hefty some of money back for those thing and then it doesn't have to come from savings or emergency funds. This can be a lot for new budget-ers; but it makes a huge difference in the long run! It can be tricky to keep up with. So I recommend setting up a new checking account, make a list of all sinking funds and how many $ set for each one and just moving the money when needed. Your budget is very similar to ours we just put value on different things and Lord knows I could use help in the food budget area...we just like to eat. Thanks for opening sharing this. I believe it will help others more than you know!
Thank you so much for sharing real numbers!! It’s so helpful. I’m a pen and paper person also. Loved loved loved this!!!!
First time subscriber. 🙂 Great video!Some may find the numbers boring BUT I found this video very encouraging. 😁 I've really needed to focus more on buying really what we need instead of accidental "willy nilly".
Having a meal plan based on what's in the house first has helped a lot.
And prepping drinks, snacks, lunches if I plan to go out & run errands that day has been awesome to stay away from fast food. I make my fancy coffee at home, and bring juice/milk for the kiddo. Bring a cooler or lunch bags for us with sandwiches/snacks. Keeps the hangry away too. 😂
Love this! Thank you!
I'm a pen and paper person too. I used a notebook for a couple of years when we first started budgeting. Then I used a happy planner budget edition one year and then for 2019 I bought the printable budget binder from the budget mom and I really like it and since it's undated I printed it again to use this year and probably will again next year.
We need to be making a LOT more if we want a family as big as yours, this was helpful to see for future planning. Thanks!!
I love pen and paper too!
I've started doing something new with our budgeting. I'm definitely not perfect it at it but I have been trying to have one spending day a week. Each week it may vary but it's usually a weekend day. All week long I will write down what I think I need and then when it comes to shopping day I look at my numbers, see what I have left in the bdget, and that gives me time to really think about what I'm spending money on as well as being prepared for what I might need in the coming week. It's really helped me to be intentional with my spending as well as easier for keeping track of purchases. If something doesn't fit in the budget that month I will add it to the next month's list. I also try to do as much grocery/household shopping at the beginning of the month so I'm stocked up and then just do fill ins each week (on my shopping day).
Yes i love to shop it just happens! I walk in saying you only need this and this, then i see other stuff i love and there goes that... I end up getting those shirts even though i didn't plan them 😄
Loved this video and your transparency!!! I also have to write down my budget, I am not satisfied doing it on the apps
This was so great to watch!! You’re doing awesome and it will get so much easier the more you do it. I don’t know if you do this with amazon or not, but I actually made myself a wish list. So anything that I’m influenced to purchase or I just find myself, goes right to my wish list. And then I leave the app. Just doing that has dropped my actual purchases down tremendously! I’ve gone back and looked through my wish list and there’s a lot of stuff that I’ve deleted after the fact bc I just didn’t want it anymore. Anyway, just a suggestion. It’s also a great thing if anyone asks you what you want for your birthday or for Christmas. 🙂
Patti Kennedy Thats a great idea! I have done this for my own birthday and Christmas list, but great idea to add and periodically re evaluate!
I should also say that I do eventually buy things from the wish list...but only when I’ve budgeted for it and thought about it for at least 24 hours. Guess I should’ve clarified that. 😆
Great vlog clear and concise 💕🇦🇺😊
Inspiring!!! Thanks for the real numbers!!!!
Love this video:)) thank you 🥰
Great job!
Great video, thanks for sharing! God always provides 🙏
Amazon fasting gal here! Each yr I fast from Amazon purchases during our church fast, and this year I decided this "need" (lol) just has to stop! (to curb the " buy now" habit and save money: Win-win!). On week 7.....
The Numbers app that comes with iPhone has a great simple budget that I like to use as I can design it myself and keep it simple but it does the maths for me!
Your grocery budget is spot on with ours (We are a family of 8 with one on the way).
Great video!! I am very frugal and hate spending money! I love watching budget videos!! We never go out to eat except rate special occasions like our anniversary. We don’t exchange gifts ever, for birthdays or Christmas. We have only one car and we don’t have a big income but the Lord has provided and we are so careful with how we spend!
One thing that I hear great things about and plan on doing is setting up a second account with your bank and every time you buy something it rounds up and puts the difference in your account. So if it’s 2.50 it takes out $3 and 50 cent goes into the savings
You guys are doing awesome! I can't imagine being able to budget without school loans. 😭
Glorify God with our money/spending! Yes!! Thank you.
Stick to what works for you! I was always a pen and paper girl but when I got married my husband wanted to use an app. So I did both for 5 years 😂 I eventually got used to the app and now only use that.
Great video! Love seeing real numbers. What do you use for insurance?
State Farm!
I like pen and paper too! ❤️
2 tips: save the money you were spending on your credit cards and other debt for the down payment for your new van. And, if Peter gets a raise, put that towards your van &/or pay it off faster. We did this with our raises even to the point of working to pay our house off faster.
I like pen and paper best too!
I did an Amazon free year a couple years ago. It greatly helped with the Amazon twitch. These days I have things that are cheaper on Amazon on subscribe and save(catfood and toilet paper mainly) and make far fewer impulse purchases. Just in budgeting the money for the next month it looks like you are doing amazingly with your budget so far!
Having the next months bills paid for from the previous month has been such a game changer! We’ve been able to do it that way for about six months now and it takes SO MUCH stress off!!
@@ashleighnicolewilson I have always struggled with it going out in unplanned ways. At the best points I would start going down my bill section in YNAB a second time, but I would still wind up playing whack-a-mole from it. I was thinking about upping the automatic payment to my savings account to cover saving for sinking funds, but I wonder if when taxes come in it might be better to switch all of it to savings and then transfer once a month.
I’m totally a pen and paper girl too!
Less than 25% of the income for morgage - that´s amazing. It´s nearly imposible in Germany to have that low of a morgage in most areas and with an average income! Sounds like great numbers. I also love my pen and paper. Greetings from Germany ♥
Thank you so much for sharing!! Where do you put extras/incidentals like hygiene products, medications, etc.? What about pet expenses?
The grocery budget includes household needs/incidentals/pet food 😊
I'm totally old school, paper and pencil kind of gal too.
Can you do a reading eggs review? I'm interested but unsure.
I love Reading Eggs!! I have 7 that use it and they also love it. I had 4 later readers and it helped them go to 3 grade levels in a year!!
Hi I enjoy your vlogs I can relate to so much of your life, I'm a homeschool mom of 8 our monthly income is around the same as yours and mortgage a little lower. Any way I noticed you posted a blog of your hubby being laid off? How have you had to adjust your budget to accomadate that? And I pray all is well with you. Our Lord does provide.
I am a pen and paper type of ‘budgeteer’ and definitely the ‘nerd’ and saver in my marriage. I’ve written a budget almost every month of my marriage. But one thing I’ve realized is that it’s not enough that a budget is written, or that all the numbers add up on my paper. The budget itself doesn’t transform and build finances.
I had to compromise my pen and paper and use a digital spreadsheet. Because I’m budgeting with my husband, and that’s what he prefers. But he also compromised and started writing his spending down on pen/paper (which we input once a week into the spreadsheet). Because he’s budgeting with me, and that’s what I prefer. If my husband is doing math for a budget, I have to be okay with his method of math. Likewise, if I’m doing the math, he has to be okay with my method. Because we’re not just writing a budget... he in his way (if at all) and me in mine.... rather, we’re budgeting TOGETHER.
And when both husband and wife are unified on the goals of the budget and the numbers of the budget, that’s when finances start to transform! Our marriage has benefited so much from communicating about finances and compromising on ‘stuff’ in the budgeting process. There’s no power play during budget ‘meetings.’ We can each offer perspective the other may not have been aware of (‘we need a clothing budget this month for these needs....’ ‘we need a car budget this month for tires....’). And now we’re BOTH vested in this plan and know it in detail.... very grateful for all the Dave Ramsey podcasts, Rachel Cruze shows, and Dave Ramsey-inspired channels that have driven home the KEY to working on and building finances- husband/wife being unified, communicating and compromising! 😃
We’re still working on it, but we’ve come so far! I’m proud of us. Haha
Random but what is your favourite stroller. Nb due in July and have a 3 yo that may need a seat or so on long zoo trips etc
Thank you for being real. I do think you may be a bit low on your new tires budget. I just got new tires on my Honda CR-V and it was well over $500 and they were low end tires.
We only needed front tires, it was $175 installed!
ASHLEIGH NICOLE WILSON I know you are planning to get a ford transit. We have one too and just recently had to put new tires on it for the first time. We had a bit of sticker shock. The tires on a transit are a different size and have to be special ordered. It was 1200.00 for four tires. 😩 Just thought I would share so you will be more prepared when the time comes than we were.
I'm in a Ford Transit group, I've seen that tires are SUPER expensive! YIKES!!!
Ugh tires. I learned the hard way to know how much tires cost for whatever vehicle you want to purchase. My first car was a Dodge Caliber and in my area. I couldn't buy a full set of 4 tires for less than $800. I now have a Ford Focus and just put a full set on for about $200. Such a money saver!
You're doing great! Have you considered budgeting each pay period instead of monthly? I have found it's easier for me than rolling money from one month to the next. ☺
We do a bit of both! I need the big picture of the overall monthly budget, and then it’s broken down within that by paycheck 😊
Just curious, what do you do with you savings? Emergency funds? Investing?
I feel like not having Amazon Prime really curbs my spending. I know so many people say “how can you not have it?!” And I can see where it can save some in the long run. But it’s 20 minutes to town for me with 4 kids under 6 in tow. And so it’s not *easy* for me to shop. And AP would make it too easy. I’m sure I would also be tempted to spend a $ or 2 more on something from there to not have to go to the store, if I could get the item right away.
I need to stick to pen and paper too. Tech just doesn't work for me.
I really want to work on not spending just because we have it . We get extra money and I’m like oh I should buy the kids this or this when they already can’t even keep their rooms clean because of all the toys! Or clothes when they have 50 shirts already . Better to save and do activities
How much does your budget fluctuate from month to month?
You should call it #fastfoodfreefebruary
I remember you saying a while back that you got rid of amazon prime? Is that something you decided keep?
Yes, once we moved and needed things for the house we decided to use it again.
I am curious, I noticed extracurricular activities were not in your budget, how do you feel with homeschooling your children and extracurricular activities? I’m assuming you don’t do them and I’m curious why? I’m a homeschooling mama and extracurricular activities are a sore spot for my husband and I. He’s not a fan, but I need to have a reason to get out of the house once a week, and also like that my children have to practice following directions from someone other than me.
Sometimes we do them, sometimes we don’t. My kids aren’t really into sports, the girls did dance for a couple years, but I think there’s a lot of value in not filling a calendar full of activities.
ASHLEIGH NICOLE WILSON That makes sense, sometimes my life gets crazy busy. But I guess there’s a season for everything.
😭 what we could do with 5k a month! We are barely getting by with $1600/month, family of 4 with a mortgage. I'm working so hard to be able to stay home with the kids, but my husband lost one of his jobs 6 months ago. It's so hard. I'm so tired
Oh mama...we have been there. It’s SO hard. Make use of any resources available to you (WIC, food benefits, etc), as you get through this tough spot. One thing I did many years ago was take in a child or two for in home daycare. It brought in a bit of extra income, while allowing me to be home with my babies.
It is exhausting, constantly worrying about paying the bills and putting food on the table. Praying for supernatural provision and peace for you and your family. 💕
I've been trying to find some kiddos to babysit, but no luck so far. We're praying this season doesn't last much longer.
Is Peter currently using his realtor license or is that in pause for now?
He’s allowed his license to lapse. We just don’t have the margin in our lives to build that business.
@@ashleighnicolewilson completely understand! ♥️
Do no fast food for even months!
That’s a GREAT idea!