Tag Archives: budgeting

A Day in the Life PART 2 (Frugal Family of 8!)

**A Day in the Life PART 2 (Frugal Family of 8!)**



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Here is PART 2 of A Day In The (Frugal) Life! Be sure to watch PART 1 first here:

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hey phoebs nation it's jordan page from fun cheaper free calm and today is part two of a day in the frugal life oh yeah two weeks ago you saw part one and you loved it so much I decided to come back with part two if you have not watched part one you got to go back and watch it what I do is walk you through an entire day a real day in my life but I show you all of the many many ways that my family stays organized and saves money so go back and watch that first I will link it below but I'm just gonna pick right up where we left off with part two was doing call me excessive but our house has a lot of square footage and so our power bill can be astronomical if we're not careful I have it that we have created in our helps is to turn off the lights every time you leave a room shut the doors because it traps the heat or the cool where you want it also I double check my thermostats every time I walk away just to make sure the heat or air is not still on but one thing you might want to consider too is smart thermostats our house is not new it is actually it's over 20 years old and we had didn't come in and replace all of our thermostat with smart ones and so we can set them up on a schedule certain times of day that everything turns off and on in case we forget and that has been really helpful I believe I still have a coupon code for Vivint if you want to look into it we love it it's our security system also so I will link that below as you guys have seen and our other return reef routine videos our rule which means Bubba and I is the last one to leave the bed makes it Bubba was the last one to leave the bed this morning and he made it kind of I feel like if you haven't made bed your whole room looks cleaner even though I have stuff all over the floors so I'm actually gonna take 30 seconds and make this nice it gets really cold here in Utah and our room is like all windows and so it can get really cold or really hot in here one of the things that we do is we put blackout curtains in so that in the summer it keeps it really cool in here so we don't have to run the air in the winter we have a lot of blankets on our bed so at night we stay warm yeah I'm just gonna go ahead and make this real quick make it look a little nice okay now that my bed is made I'm gonna take a few minutes and get ready for the day and I can't believe I'm showing you this but this is part of my process clothing is one thing that I love I have a lot of it I like a lot of options I'm not a capsule wardrobe person by any shape of the imagination I like a lot of options and I have the space for it but I don't want to spend a lot of money so I can't believe I'm showing you this but one thing that I do seeing is how we are transitioning from from summer into fall winter is how do I turn this darn thing around hold on I like to rotate my clothes so right now I'm going through my closet and pulling out all of my spring and summer clothes I am currently just putting them in a pile Here I am making a separate pile of all the things that I didn't wear that I need to get rid of and the way that I know whether I wore them or not is I flip my hanger around when I hang the item back up so if I grab something to wear it when I go to return it to the closet I flip the hanger so then when it comes time to rotate my closet I can look at anything that isn't flipped and know that I should probably get rid of it and give it to someone else keep pile I've got kind of a toss or donate pile going here and then this is the bin that has fall winter clothes in it and I'm taking those out and then I will replace all of my fall winter stuff with my spring summer stuff I'm always keeping tabs on what I have is it worth keeping and it feels like Paulding new wardrobe every six months or so and I really I find that it cuts down on my desire or need to go shopping very often so that is one way that I save a lot of money and then in terms of the clothes that I buy if you guys follow me on Instagram I like to share my outfits with you but most of my stuff is from TJ Maxx or Ross Amazon and then otherwise shop and that have daily deals stuff like that I'm pretty simple I do not like to spend a lot in my clothes but I like them to look nice and stainer my work block is about to start and if you guys know anything you know that I live and die by my blog schedule system I've got a video about it link below and stay tuned you guys I'm so excited for the last few months we have been working on a block schedule planner and they are coming to market so soon hopefully as early as January 2020 right in time for the new year so stay tuned and I have designed the most amazing planner for you guys to help you organize your blocks and get your to dues done during the day too okay but I'm not ready yet I made a few mistakes today number one normally I get dressed very first thing when I wake up I didn't do that today and I am NOT ready for the day yet but you know what I was filming today and everything takes longer and part of the block schedule system is being flexible so I'm going to catch up on some work stuff and while I'm reading emails or watching Marco Polo's or doing things that don't need my hands I will be doing my makeup and multitasking and it's going to be just fine there's not a lot that I'll be able to show you while I'm working but when it comes to doing my makeup I am a big believer in mixing normal like drugstore everyday makeup and name-brand more high-end makeup in fact even for my foundation I literally blend a board of Maybelline matte poreless foundation with a high-end Lancome foundation I do one little squirt of each so I literally do both ignore that basket of clothes that need to be put away at least the bed is made right one thing I'm doing I'm getting ready is setting my girls preschool up on autopay I don't like having to manually pay for something every month because then there's a chance that if I forget then I'll be slapped with a late fee and those add up if we can budget for it I like to pay for something all the way up front so I don't have payments but in this case since it's a full school year we are going to pay one month at a time so it's not such a big chunk but I am setting it up on auto pay so the first of every month it automatically drafts from my account and I can even schedule a day for the payments to end so I don't accidentally overpay by a month also if I'm drafting automatically from my bank account versus a credit card it saves me about a 6% processing fee so I'm doing all those things right now in the long run it definitely saves some coin chips cheese [Applause] hello Davey's about to head off to school you eating some good lunch okay say goodbye have a good day I said hello and goodbye to the girls I'm gonna keep working and finishing my [Applause] [Applause] [Applause] it is a lunchtime I am starving and today for lunch I'm eating leftovers we went out with some friends this weekend and we had a gift card so we went to Macaroni Grill I got so full off of their free bread and bottomless soup I pretty much about to take home my whole entree so I am eating that for lunch I cannot wait I'm so hungry love is here it's not mmm but what did you do for lunch I had a business meeting and it was paid for by the person who took me out what so we're both eating out for lunch and both of us didn't have to pay anything today for it I mean I bought it at one point but her 1 kiloton ended two maybe three it'll be three nice work and now we're sitting next to each other working Oh our little hour of work aren't we cute alright I just laid McEwan down whoa whoa whoa for his afternoon nap though he's just partying in his beds I don't know if he's actually gonna sleep the kids are about to walk through the door any minute from school so we are gonna get an after school snack going and then I got a rush my daughter off to dance and then we'll do dinner and we'll go from there the calm before the storm enjoy it's the second and that didn't last for long hi Guys hi Guys hi guys so here's Priya she's getting ready for dance she's got a late night tonight so she is packing her own little dinner to eat it dance to tighten her over till she can come home we buy the big packs from Costco so we don't have to go through a drive-through show you how we keep them warm so when you have these little contigo containers whoops that we got from Costco and you just put a folded napkin or paper towel on the bottom you know what go get a second one I think that's too full if you put hot food in them it will remain hot seriously all day it's like amazing so this is how we pack leftovers or real food for lunch or dinner I just dropped Priya off at dance and I just wanted to take a quick minute to talk about extracurricular activities because my gosh they can really add up and be expensive I actually did an entire video on budgeting for and how to afford or how to know whether you can afford extracurricular activities for your kids or not so I will link that below but for me a few things that we do to save money because extracurriculars for us are really important even though we have a big family we've got six kids and another two on the way we feel like we don't want the size of our family to hinder our kids abilities to develop their talents and to do and try the things that they want to do and try all of my kids do their activities at the same place so any of my kids who want to dance we chose one studio and they all dance their each sibling gets a discount on their class each month so the first sibling is full price but then each subsequent siblings are discounted we also save up throughout the year and then pay for the full year in advance for classes and costumes which is a big chunk of money up front but then we get a big discount we hand our dance shoes or as many dance items down as possible or we go buy them used from a place like kid to kid where you can get sporting equipment that's used and then otherwise I have a lot of chips in that video that I will link below now it's time to head home and get to the crazy time to get it dinner wrong it is 4:30 I've got my chicken it was cooked I shredded it up and then I'm basically going to divide it into ooh fourths depending on how much I need two servings for the two casseroles tonight and then one or two servings for the freezer we'll see how far I can stretch it one of the things that we have done to cut down on extracurricular costs is we canceled all of our music lessons because the piano lessons we're getting astronomical because they were like 30 dollars per lesson for a 30-minute lesson per kid for a week it was just it was crazy instead we found a couple music apps one of them is called simply piano and it's $10 per month and it teaches the kids how to play piano with the iPad and it has been great and then there's one called use ition like y-o-u and that one you can actually have other instruments and Priya likes to use it to do voice lessons because she loves to sing we have saved a ton of money this year not doing lessons it's a temporary fix I do think they will need to do lessons when they're a little bit older but for right now it would just really helped us cut down on stuff almost everything you see in this room including the piano itself with all secondhand globes from a yard sale the piano we bought throughs and lots of eyes these were wedding gifts that's above as old guitar from high school right which one at a trade show for tech companies you know people do an easy contest where it's like you drop your business card in a bowl but but I had to like take a picture playing air guitar tweet it you did you like five steps and he was one of the only people who did it and got a really nice guitar these are all secondhand our Halloween decor was purchased after Halloween's to a grocery store actually and they had all of their Halloween stuff on clearance because it was already November and then otherwise a lot of them were like I said from yard sales but I just went shopping in our basement we have a cold storage or cold yeah cold storage cold room in our basement if you build a house make sure they build a cold storage room it's usually like under a deck or a front door or a garage that's normally wasted space and then it stays nice and cold concrete walls and you can store food in there we like to buy extras of things so when I go to the store if pastas on sale I would buy one for now and at least two for later or as many as I can afford depending on how good the sale is and what my budget is that week and it slowly built a stockpile also we will stock up during case lot sales which is where grocery stores will have like a week where instead of buying per can or per package or per bottle you can buy a whole case of usually between 6 or more cans or containers and you get a big discount on that stock up drink a slot sales and keep our own little store in the baseline so everything I need for dinner tonight I did not derive to the store for I like to keep a stash of disposable baking pans I like having various sizes but this 9 by 13 is typically what I use these are also really good for taking dinners to people or for pies or cornbread things like that they are pretty inexpensive you can get them pretty much at any grocery store or in bulk on Amazon so then when I double a meal I can freeze it in something that isn't glass this is kind of a funny frugal tip but one nonetheless is I like to keep little mini spatulas on hand of various shapes and sizes because then when you have a can of something you can get in there and scrape every drop out again sometimes you think those little pennies don't add up but they do you paid for your using it scrape every drum I have another tip for bulk food if you've got a big container of sour cream or cottage cheese turn the container upside down once it's been opened it helps create a better airtight seal on the lid and it helps it last longer and then of course like I mentioned earlier once you get about halfway down the container you're going to want to put it in a smaller container it will make it last longer dinner is done and in the oven I've got two bags of shredded cooked chicken that are ready for the freezer that I can then pull out to make an easy meal in the future I have got my second chicken spaghetti meal ready to go for the freezer I am feeling pretty good about life and the best part is with this meal it only dirtied one pot and one slow cooker so all things considered it was very simple for veggies I have not been to the grocery store today later tonight I'm actually gonna sit down and order my groceries to do a grocery pickup tomorrow the easiest way for me to keep track of my budget because then as I add things to my cart I can make sure I'm within my $200 a week budget the budget recommendation I have for families as $100 per person in your family per month so for my family that would be $800 a month and then you just divide it by week now if you only have one or two of you in your family you would want to start at 300 dollars go up from there so tonight I'm gonna sit down and order my groceries to pick up tomorrow I didn't have time to do that today I'm a little skimpy on fresh veggies so I'm gonna do some frozen peas some frozen corn and then some leftover salad from the other night we're gonna call it a day are you boys up to over here what fixing it yourself instead of taking it to a shop okay so you bought these lights at Walmart and he's teaching how to do it installing in themselves and Hutch finished his mandatory chores or obligations if you will today and so he's been working with Bubba for about an hour so he is earning allowance our kids have daily like mandatory things they have to do that's on their clipboards you kind of have seen our clipboard system I will link that below and then above and beyond that day can earn allowance so he gets a couple bucks for working for an hour with dad so there you go nice work kay dinner's ready another random little frugal tip is at night we give each of our kids a different colored plate Priya's not here which is why we only have four but I make sure there are different colors so that if somebody doesn't finish their there's like a pile of food sitting on someone's plate we know whose it is and we can wrap it up and save it for them for later if they don't get any snacks but they're welcome to reheat their dinner and finish that later if they want a little tip for your parents another frugal thing we do which is kind of funny is if we get takeout or order pizza or whatever and it comes with napkins instead of throwing them away because we hate that it's wasteful we actually keep them and hold on to them we just have this little pile of perfectly good but to shovelled napkin for dinner or whatever it is this was from catering that we ordered for an event they left behind all the napkins and all of the silverware so we reuse these and give them to our kids right $3.99 we actually have our kids shower together I have my three little kids in a shower until they get old enough that it's inappropriate but they're all young and so and we keep an eye on them but it consolidates water then they're in and out in like a couple of minutes and all of them are clean at once they even can help brush each other's hair and wash each other off and it's really great so that's actually something we do otherwise if we were doing six individual shower actually eight individual showers every single night our water mellowed be through the roof and that's a lot of ways so call us crazy ones what we do that's pretty much a day in the life nothing too exciting now got home from Dan Smith Priya cut her some dinner put her to bed Bev and I cleaned up a bit and now we are headed to bed because we are pooped so hopefully that was helpful to show you some of the ways that we save money day to day one of the things I didn't get to today was grocery shopping and I figured I wouldn't so I am going to get ready for bed and then lay in bed and order my groceries on my phone just for grocery pick up at Walmart tomorrow because it doesn't cost anything extra as long as your order is $30 or more which mine will be drop my kids off at school swing by a Walmart they'll load up my groceries and I'm done hopefully that was helpful if it was will you give it a thumbs up please leave a comment below I'm curious to know you do any of these same frugal things or what frugal things you do on a day to day basis now if you guys don't mind I gotta get to bed I'm pooped frugal mama oh hi guys you're supposed to be sleeping you should be sleeping remember say I love you

How to budget for an agile software development project

**How to budget for an agile software development project**



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hey everyone it's david Birkett here from working mouths thank you for watching this video what we will do today is talk about how to budget for an agile software development project now while we're talking about this it's often a big disconnect between an agile delivery method and traditional procurement practices from our experience the business wants to know what the budget of the software development project is but agile development is completely contradiction to that the end of our manifesto actually says that budget is realized at the end of the project so how do we understand and betray as a product owner to the business how much effort is going to be required up front well we've been working on this for some years so our solution comes in three different phases so the first phase is a scientific risk based estimation method to approximate the amount of effort required to get the product built the second one is making sure the project is self success with success trade-offs the last one is to comprehend the technology advantage so what I do today is really briefly and I'll try and keep it short take you through these three different things and how we apply them so the first one is the technology advantage now working Mouse uses something called the cobots technology set now it's a software development platform as a service that writes on average about 92% there in applications code base now what the bots do are they're trained on different software behaviors a behavior is a software development pattern that is applied across multiple domains so I think dashboards timelines forms everything that goes into a piece of software it's just about how it's actually applied so the first step and the first thing we do is we identify how the technology is going to help us we do this something called a field trials behavior so I'm going to flick over and give you an example of this now now if we have a backlog of requirements we may have a legacy application on here over here on the Left I have a prototype application of a bike sharing app as you can see here I've got bikes with geolocations history and I had the ability to go in and read one of these bikes so what we've done is we've done up this prototype and we then gone and identified and broken down different sections of the application that may be used within a behavior so login payment gateway view filter FAQ page history all that kind of stuff once we have that we then apply it to a traceability matrix and our traceability matrix shows us how cobots is actually going to help us in regards to that segment so for example here login and sign up all the way over here is completely covered by our user behavior however the payment gateway is partially covered by crud right history is completely covered and this then gives us some really cool statistics or before we go into our estimation process how the technology is going to help us off lacombe's my stats here and we can see here that out of the different segments we've got 45% of those are fully covered by a code bots behavior 36% are partially covered and we'll need heavy customization and 18% just aren't going to be covered so they're going to need to be custom coded into the target application right so we know how pay BOTS is going to help us what can do now is talk about the key project success sliders so the key project success lighters have three different options the first one is a fixed time fixed scope approach we strongly recommend against this because this is super high risk this is what leads to big project buy outs and legal agreements fall into pieces and also a very poor outcome for the customer so it's a high risk the next one and this is our preference is a fixed time variable scope approach but that means is put a budget in place for the projects and we will vary the scope back with our software development team and you the product owner to make sure that you get all of your must-haves the majority of your should haves and some of you could have to live it into the project and this also enables us to vary the scope back to get the best people software fit for the project the last one is a variable time fixed scope approach this is right we need all of these requirements in there the business have them nothing can be left out so we'll take a fixed approach this has a medium risk the reason for this is that you don't get to vary the scope in regards to getting what is right for the customer in there so we would definitely recommend the fixed time variable scope approach if you're after more information on that check out our way of working so how do we approximate the amount of effort what goes into it so we have our estimations process this looks at risk planning and then has a couple of different factors that we've learned to put into our time to make sure that we're getting the best product out there so let's take a look at this so first up we have our backlog of requirements now what I've done is I've just taken the backlog of the segments and I've got the milestones for the project in regards to how we would deliver them logically and then I take my software development experts our CTO Matt Francis and one of our user experience designers Nicola and they've gone through and given me a time estimate a complexity estimate and a familiarity estimate on the project this then gives us a time estimate for a project team to deliver each one of these segments and a risk or the risk score of the project comes from 1 to 25 based on one to five on complexity and one to five on familiarity the time estimates have a fibonacci esque escalation because the further we're looking into time the larger those time estimates are going to get so they start out at 1 hour and go all the way up to 3 months and have a larger risk once we've done this what we can then do is look at our summary so nickel era have gone through estimated this from our estimations we can see that the actual work that we think it's going to take is about five point eight nine weeks we then have and that's including something called the allocation factor the allocation factor is 20% of the working week is not working on the project it is working on the daily staff attending truck meetings professional development having lunch those kind of things that humans need to do the next one is trim the tail that's a factor of 25% and what that saying is the 25% at the time we shouldn't be creating requirements we should actually be linking up rounding out the ones we've already made to deliver a really quality project to the production environment and the last one is a budget it is tax bikes tax bikes allow us to call text bike from our text bike budget which is 10% which enables the team to stop the project go in and further deep risk it before they continuing on this stops blowouts ahead of time and deem risks iterations massively add all three of those up we get to 8.1 weeks so from our prototype here we know how cobots is going to help us to inform our estimations and it's delivered our requirements backlog there so in summary we've got 8.1 weeks with a fixed time variable scope approach and we have 45% of the application covered off by cobots technology if you are after any more ation more information on any of this please feel free to reach out this is a very quick summary of how we approach it and there's a look or detail to it thank you for watching i'm david paquette have a great day

MID-MONTH BUDGET CHECK-IN | ZERO BASED BUDGET (Dave Ramsey Style)

**MID-MONTH BUDGET CHECK-IN | ZERO BASED BUDGET (Dave Ramsey Style)**



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I am a student of Dave Ramsey’s Financial Peace Univerity and on a journey to become debt free. By budgeting monthly and tracking my expenses I’m learning how to become debt free and live life by cash. Budgeting for beginners is mostly what you’ll find in this video so please watch and sign up to budget with me and complete a zero-based budget with me next month.

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WATCH MY FINANCIAL PEACE JOURNEY FROM THE BEGINNING

My Debt Story: How I Fell Back into $208,453.27 Debt Part 1

My Money Story: How I Fell Back into $208,453.27 Debt Part 2

First Budget on My Debt Free Journey

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Disclaimer: Honesty is awesome, so I share numbers and dollars in this post. I trust you’ll honor my honesty. Just so we’re clear, everything written here is based on my personal experiences + opinions. Not everything I say here will work for you, but I have faith that you’ll take the information presented and apply some of it to your own finances in a new and creative way.
my channel my name is Stacy flowers and I am a student of Dave's Ramsey's Financial Peace University in on a journeys have become a hundred percent debt-free my starting debt is two hundred and eight thousand four hundred and fifty three dollars and twenty seven cents I currently work part time earning anywhere between eight hundred and one thousand dollars and I am on baby step number one to save five hundred dollars in today's video I'm going to be going over a detailed a budget check in for my February 2018 budget so if you are interested in that please keep watching so the first thing that I want to do is pull up a calculator so that we can have that for our numbers and then I want to talk a little bit about the things that have impacted my budget so far so the number one thing that's having the biggest impact on my budget is income and so I started a journal entry page here and I just want to jot down my income to date so as mentioned in the original budget video my first paycheck plus some money that I'm counting as income was six hundred and eighty nine dollars and let's get that change I believe 86 cents yes in 86 cents on the 7th of February I also received a payment from my youtube channel for three hundred and twenty seven dollars and twenty one cents and then on the 8th of February I also received a generous donation of $100 and I received that donation from DME brown on YouTube and I just wanted to publicly thank you for that very generous donation his or her comment was hi Stacy I enjoy your budgeting videos very much can you list your PayPal me link in the description below your video for anyone who would like to contribute to your financial freedom journey you're such a positive attitude to your current financial situation I would like to help with the small boost and I just want to say thank you thank you thank you I appreciate that I appreciate you supporting my work I appreciate you watching my videos I appreciate you commenting and then also to the community that helped me to earn three hundred and twenty seven dollars and 21 cents it was all of you all collectively that made that happen so I deeply deeply appreciate that because it certainly has helped because I am on the 15th of this month and my turtle earnings so far for February six eighty nine point eighty six plus three twenty seven point twenty one plus one hundred is 111 one thousand sees me one hundred one thousand one hundred and seventeen dollars and seven cents so that is the amount of income that I am working with so far and we still have fifteen days left in this month so I'm super excited about where the month of February is going so now what I want to do is go down my budget and show you exactly what I've paid so far and where these dollars and cents have been going based on my original budget that I did at the beginning of the month and I will link that video so you can see my tides were eighty dollars based on my take-home pay for my part-time job this number will increase because I would like I am going to pay tithes off of the three 2721 earnings and when I paid tithes off that that will be an additional $32 but neither of these payments have come out yet because of the place where I allocated my tide payment the big expense that has come out for the month of February so far has been the five hundred and twenty five dollars for my rent I've also paid the thirty five dollars and 82 cents for my phone bill and I paid the hundred dollars towards my CTA Pass I have also paid the my groceries which I had a budget of $35 and I want to see how much I actually spent for my food budget and the pages that you see me flipping through those are my allocated spending pages but the reason why I'm looking at my cash flow is because it has a budgeted amount and a spent amount and I wanted to write it on this page so 3511 I've spent of my grocery budget which means I'm 11 cents over my grocery budget but still doing pretty good I'm pretty I'm pretty proud of that number based on my original cash flow plan I've paid my rent I paid my cell phone bill I paid transportation and I paid a little bit of groceries and so now I want to get into where I anticipate spending the 320 or how I plan on spending the 327 that I've earned from google adsense and the hundred dollar donation so if you're looking at my allocated spending page you can see that in my next pay period that's when I intend to pay my tithes and I just in this third category I created a category for the payment of 327 21 and so what I have coming out initially is the thirty two dollars and seventy cents and the missed payment here there's not a line for taxes but I wanted to make sure that I paid my taxes on the income that I have coming in because I will be taxed and taxes are currently passed new taxes are currently in my debt snowball so I don't want to fall behind and my 2018 taxes Oh after I take out my tithe and after I take out my 30% tax what I have left over to spend is one hundred and ninety six dollars and fourteen cents and today I'm actually going to make that payment onto my rent because if you remember in my previous budget video I learned that I am NOT current on my rent I'm actually always paying my rent during the month that I'm renting and that is the concept of being current and I want to be current so one of my primary goals was to do that and with this extra 196 14 plus the money that I anticipate putting when I get paid tomorrow on to my rant I will be much closer to my goal so let's see actually a little number so 525 minus 225 minus 196 14 that would mean that I'm a hundred dollars and 686 cents away from my total rent payment and I'm very excited about that because that I mean that really just allows me to be able to get in front of and as comment or survivor fan 30 to get out of the red so I anticipate putting the entire 196 14 towards my rent payment the hundred dollars generous donation that I received from the M Brown the way that that is allocated is I don't have anything for that hundred dollars coming out and my knee-jerk reaction was to just put that hundred dollars towards my rent and then I would only be six dollars and 86 cents over but the reality of my situation was that so that money was automatically paid through my paypal account and what I didn't know is that I had expenses coming through my PayPal account because again I'm trying to one I'm trying to have all my expenses come from one place so I'm very clear on how much money is going out but two I just didn't realize the expenses that I have so almost as soon as that money hit my PayPal account payments were going out that I was just not expecting so I'm gonna clear that up this month and that's another reason why I'm doing the budget check-in because I really now won't be overwhelmed at the end of the month trying to shift payments around to a card and blah blah blah I'll be able to put it exactly where it is so what actually came out of the hundred dollars that I received as a donation so far is fifteen dollars automatically was withdrawn for my paypal bill and I'm just going to check to see if I didn't know that I was on automatic debit there because I always call in to make the payment but maybe it's automatic maybe it's set up automatic debit if I have a balance in my PayPal account I don't know but I'm gonna follow up with that my podcasting fee was something that I forgot to consider in my earnest to get out of the red in February when I was talking about my budget so that fifteen dollars definitely came out and it's interesting because survivor fan 32 was watching the video and she was the one who pointed out that I forgot that particular payment and then two other expenses that really blew me away were and and well one didn't blow me away because survivor fan pointed it out she pointed out that I forgot to include my son's podcasting are not podcasting my son's iTunes subscription so that 1096 came out but I noticed that another 1096 came out and I was like livid because I'm like I don't if I didn't have this money what were you guys gonna do and the truth of the matter is is I realize is that when the money is not in my PayPal account these items just get declined and I think in I think I was mistaken these subscriptions for being off because the payments just weren't going through so I definitely thought that there was only one subscription for the iTunes but clearly there was too so I am I tried to dispute this charge but if I couldn't Apple was like not having it and they were like we can do this for next month so I was like all right fine so next month that will be taken off so unfortunately of the hundred are fortunately because I'm grateful but of the hundred dollars that was donated 15 – 15 – 10 69 oops $100 – 15 – 15 – ten point sixty nine – ten point 69 there's 48 dollars and sixty two cents leftover of which I'm going to put towards my rent and and it so yeah so that's that's where the budget is right now so that 48 60 – I'm going to put towards my rent leaving my overall leftover rent that I need to cover as 57 dollars and 38 cents so I wanted to do a budget check-in because I want you guys to be able to sooner see the difference between what I'm planning and how things are actually happening but I also want you guys to be able to see how I'm able to reconcile things and when I say reconcile I mean that like I'm still struggling a little bit with forgetting things that are coming out and my earnest to get things right I'm still of the mind that certain subscriptions are cut off when they are clearly active and so just different things like that but it is definitely getting better and it is getting better with your help in this community both monetarily because the Umbra was very generous but also just from a community perspective of commenting and watching and so I just want to say I deeply appreciate your support I am well on my way I am less than 50 dollars away from getting out of the red and I am super excited and super just humbled by the support and I'm just I'm just so grateful that you guys are supporting this journey and I hope that while you are watching this that you are beginning to transform your financial blueprint so that when it comes that time it'll be more than just one of us screaming I'm debt free so yeah that is it my midweek check-in if you have any questions please ask them down below I will do my budget report card on about February 27th February 28th and that's where you will get all the final numbers to see exactly where every dime went so thank you so much for watching I look forward to talking to you very soon [Applause]

11 Quick Ways to Save Money at Home

**11 Quick Ways to Save Money at Home**



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Looking for quick ways to save money at home? Here’s 11 great ideas to get the ball rolling. Which one will you try first?

Get a quote from one my trusted professionals and see how much money you could be saving:
#SavingMoney #Budget #RachelCruze
– You guys, I swear by
those three recipes. They are so good, so good. All right, here are 11 different things that you can do at home to
actually save you money. Number one: Make snacks. So instead of buying the
little individual packs of your kids' snacks, buy
the big thing at Costco, and then put it in little bags. This is what I do. It's kind of a pain, I know. But listen, you're gonna
save so much more money doing that. I promise. Number two: Have everyone bring a dish. Yes, so if you are hosting a big party, have everyone bring
something so you're not the only one cooking and
spending all the money on food. Number three: Learn to turn a wrench. I'm preaching to myself
here, people. (laughing) This is good. I've learned
to do a couple of things, and it actually saves you
money if you can fix things like your toilet or your air filters— you can change those out. Different things like that
can save you a lot of money versus calling someone to do it. Number four: Learn to sew. Now I'm not talking about
some like elaborate, beautiful smock dress,
even though I love those. I'm talking about just fixing a button or something that's torn. Sewing it up so you don't have to go buy new clothes. Number five: Organize, organize, organize. Yes, when you start to organize things, you'll find that you don't need half the things you have. You can throw it away
or even sell some stuff— get some money that way. But also, in the end,
you're just gonna feel more refreshed and more organized versus going out and spending more money on stuff that you don't need. In fact, I did this. I took the minimalist challenge. If you don't know what that is, check out the other
episode with The Minimalists, because it was amazing. And I threw out and sold so much stuff, you guys. And it was incredible, trust me. When I say to organize,
oh, I love it so much. Number six: Always negotiate. Winston is famous for
this, calling Comcast every quarter of the year to see if we can get a better rate on our cable. So when you get prices like that, don't just say, "Okay, we'll take it." Ask if you can get a better deal. Number seven: Hang dry your clothes. Now, you might be a little
bit iffy on this one, but trust me. When you actually don't dry your clothes and you let them air dry,
the quality of your clothes lasts longer so you don't have to pay for new clothes as often. Number eight: Share baby gear. Now, I'm not talking about old
bibs and that kind of thing. I'm talking about swings,
like the big stuff. My sister and I did
this. The way our babies have lined up, we don't need a swing. I don't need the swing,
so she takes the swing. And when she doesn't need
the swing, I take the swing, because I end up having a new baby. It works perfectly. So if you can find those big things, find a mom in your area, do that. That will save you a lot of money. Number nine: Don't pay
full price for kid clothes. Listen, they grow out of them so fast, especially if you have little babies. So, do some things like swapping with other moms in your area. Swap clothes or even do consignment sale. My spiritual gift: I
always find the best things at consignment sales. I love them so much, and
you save a ton of money. And number 10: Learn to
say no to fundraising. When there's a knock at your door or the doorbell rings, it's always some sweet middle school kid
trying to sell you things, and some of you, it might be your sweet middle school kids. So there's a part of all of us that wants to help, but when you're dishing out $20 or $30 for every kid that knocks on your door, you're spending a lot of money on stuff that you're not gonna use. So, learn to say no to certain ones and have some boundaries. It's okay. All right, last but not least, save money on checking your insurance. This is huge. And I'm talking about your home insurance, your auto insurance, all those things. Most people forget to do this. They just set up their insurance, and they don't look. But go and see if you
can get a better deal. Go check out our endorsed local providers. In fact, people that do this, they save on average $731 a year. That's a lot of money. So those are some quick,
easy ways, 11 ways in fact, for you to do things at
home to save you money.

Budgeting Basics!

**Budgeting Basics!**



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You can take a cue from George Washington by becoming commander in chief of your finances. What budgeting strategies have worked for you?

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Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions.

Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson
Directors: Katie Graham & Andrew Matthews
Written by: Julia Lorenz-Olson
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SOURCES:
Do you ever feel stressed about money? Unless you’re a prince or a preschooler,
you probably said yes. For a lot of people, it always feels like
there’s not quite enough to go around. You’re constantly having to make tough decisions
about what you can forego, and it never feels like you’re really in control of your finances. Well, when you need a bit of inspiration,
look no further than the front of a one dollar bill. I’m talking about this guy: George Washington. Besides being the first president of the United
States, General George Washington was the commander of the rag-tag Continental Army during the
Revolutionary War. He must’ve felt like he never had enough
soldiers to go around, but by making a plan, he was able to lead that army to victory over
the greatest fighting force in the world. You can take a cue from George by becoming commander-in-chief of your finances. Each one of these is a soldier in your army,
and your battle plan is a budget. I know, the word “budget” makes most people
want to go AWOL. In fact, according to a 2016 Gallup poll,
only 32% of couples keep a written budget of any kind. But if you were a soldier, would you want
to follow a general who was making it up as he went along? A lot of people tend to think of budgeting
as prediction–estimating what you’ll make in future months and how you’ll want to
spend it. But the most effective budgets work exclusively
with present dollars. After all, you can’t give orders to soldiers
that don’t exist! So the size of your army is only how much
money you currently have in your bank accounts. And as general, your role is to give every
last one of those soldiers a job to do. So, if you have a total of $10,000 across
all of your accounts, you need to decide how much of that you’re going to spend this
month, and how much you’re going to set aside for savings. Before we can decide how much we want to spend,
we need to know how much we’re spending now. Print out your last 3 months of bank statements,
and put each expense into one of 5 categories: Essentials. These are the things you can’t do without. Rent, utilities, groceries, gas, car payments,
health insurance. Anything you need to live or do your job effectively. Security. These are expenses that increase your financial
stability, like building emergency funds or paying off debts. Don’t double count credit cards in this
category though! If you use a card to buy groceries, that expense
should go in “Essentials”. Goals. This is money you set aside to achieve big
life goals, like saving up to buy a house, starting your own business, or taking a special
vacation. Lifestyle. These are expenses that help you navigate
your social world. Personal grooming and apparel, gifts for friends
and family, gym memberships, even pet needs can go in here. Discretionary. This category is all about treating yourself. Going out to dinner, renting a movie, buying
a video game, or getting a massage. Everyone has their own priorities, but think
of this as a good battle plan template, with the most urgent needs at the top, and the
more flexible ones towards the bottom. Now that you know how much you generally spend
on these categories, you can start assigning your soldiers to next month’s duties. Unless you’re living paycheck to paycheck,
you probably have some money left over–but don’t let those soldiers just sit around! Decide what you’re saving them for. Is it an emergency fund or a Hawaiian vacation? Savings that have explicit purposes are a
lot harder to steal from. Congratulations! You’ve made your first month’s budget
Now how do you make it stick? Number one. Write it down. You can use a spreadsheet, an app, or good
old pencil and paper, but no general ever won a war by keeping all their strategy up here. Number two. Update it. Conditions on the ground will change, so restrategize
at the beginning of every month–and you’ll have new soldiers to deploy in next month’s
battles. Number three. Use advanced technology. Thanks to the dozens of budgeting apps you
can download for your phone, no one has to keep a checkbook longhand anymore. This can be especially helpful for discretionary
spending: now you can know right away whether you can afford that Weird Al album on vinyl. So how you do know you’re budgeting correctly? Well, the most obvious answer is that you’re
less stressed. Imagine enjoying a dinner out without worrying
about whether or not you can afford it. Imagine not holding your breath every time
you check your account balance. You’d be amazed how much you can improve
your mood just by introducing more clarity and control into your finances. Like a lot of good financial habits, the point
of budgeting isn’t to have more money… it’s to be happier with the money you have. And that’s our two cents! We want to tell you about the new PBS Digital Studios series: Say It Loud. A celebration of Black History and culture and it's impact on how we live today. Hosts Evelyn From The Internets and Azie Dungey, give you a comedic take on identity and pop culture. From Black pride movements to Black Twitter shenanigans Check out "Say It Loud" in the link in the description below.