Tag Archives: budgeting

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.

SIGN UP for Dave Ramsey’s Financial Peace University:

DOWNLOAD my reflection questions, forms, and budget with me next month. Sign Up HERE:

If you have any questions or requests please leave them in the comment section. I hope you all enjoyed this talk through budget report card. Please Subscribe and Like!!

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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 check out Say It Loud at

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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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.

Mid-Year Goals Check-In | 2nd Quarter | Money, Life, Business  Updates + A BIG Announcement!!!

**Mid-Year Goals Check-In | 2nd Quarter | Money, Life, Business Updates + A BIG Announcement!!!**



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My New Planners! Order Here: (Navy Blue- (Hot Pink Planner- Planner Accessories: (Sticker Pack- …

How to bake bread! EASIEST bread recipe ever! (Fail proof!)

**How to bake bread! EASIEST bread recipe ever! (Fail proof!)**



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Freebs, I have found the best, easiest, and most delicious bread recipe ever! I make it with simple white flour to cut and use for toast and sandwich bread, but you …