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2019 BUDGET PLANNER SETUP | Erin Condren Monthly Deluxe Planner

**2019 BUDGET PLANNER SETUP | Erin Condren Monthly Deluxe Planner**



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It’s the most wonderful time of the year! I love a fresh start, and budget planning is no exception. I’m sharing my 2019 set-up for how I manage all of our family finances in my Erin Condren Monthly Deluxe Planner.

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VIDEOS MENTIONED
2018 Budget Planner Set-Up

Sinking Funds
Part 1:
Part 2:

Our Cash Envelope System

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hey everybody its Jen from Jen plans and I am setting up my new 2019 Erin Condren deluxe monthly planner to manage all of our family finances for 2019 I have my old one up here this is the 2018 the one that I'm currently in and I have two separate videos if you want a more thorough look at this planner and its features without all the budget stuff I've linked to that video below as well I don't want to spend a lot of time today walking through the features of this one I have a separate video for that if you want to watch it and then I also have the setup for that old one linked as well so this is everything I'm using today I have the deluxe monthly planner of course you can use any stick you know it's linked to these these are just cute sticky notes also from Erin Condren and then I have a little bit of washi tape I have some stickers and these are really these are the specific ones that you know these are more decorative and functional these I use for the sinking funds chart which I'll get into in just a minute so I'll link this one as well these are the transparent dots by christian designs and i customized the like you can order it and I think she has like like five colors maybe on the standard sheets but you can select a custom option and I just asked for a different color in every row so that's one way that you can customize it and then this is just personal preference but in the beginning of the year at a glance I don't you know I'm using it January through December so I don't need this part so I cover it up so I just took this is sticker paper that I cut to size before I started filming just to make it easy and you know I mean if you don't have sticker paper don't go up you don't have to go on by sticker paper if you want to do this just take regular paper and you can use a glue stick or tape or whatever and just cover the part that you don't need so those are those are kind of the main players and I'm just gonna walk through my setup I I use I use this planner to manage more than just our budget I kind of set out you know before I setup a planner for the year I don't just sit down and start throwing stuff in because I feel like then later I change my mind or I forgot to include something so I like to plan out everything that I want to put in the planner first and then kind of rearrange it a little and then put it in so I'm gonna walk you through first kind of how I'm gonna lay it out and then I'll know if you're gonna do it I'll probably speed it up so you don't have to watch a real time but this is the like I said this is the Erin Condren deluxe monthly planner I got all of that you have an option to add extra note pages I added all the extra notes pages and yes this is the same thick mohawk paper that is used in the life planners as well which I love it's nice and thick I'm just really nice paper so I I laid out this is kind of for the back notes section this is this is why I think most testing out some of the Washington this is why I love this planner because I need more than just a calendar and you know this is more than just keeping track of bills I also use this for goals and for you know tracking retirement stuff and income and tracking you know there's planning and tracking and so if you if you need a space to plan and track this is a great option at least it's what works best for me so yeah at the beginning of the planner the first section is the year at a glance and so this will be my kind of sinking funds overview I've also linked below I linked a lot of videos below I linked my sinking funds video that kind of types you of them videos that kind of explain the concept of sinking funds but basically for your expenses that don't occur monthly or don't necessarily occur monthly I plan ahead for those and I save a little bit every month in each of these categories so I'll show you my categories you can watch the other video if you want kind of a deeper dive into that but for example like we only pay our HOA quarterly so every month you know I take the quarterly payment I divided by three I know just I like marking and I say that every month and I like seeing when it's due just for cash purposes so I'll I'll show you when we lay that out this section I'm going to use for monthly events and costs and I'll incorporate it into the monthly sections as well but I like seeing it all in one place and so this section is for things that are not usually these are like one-time things that are coming up during the year so you know this is 2019 I know that in October I have a cousin getting married and I know that in August I have a friend getting married and of course that's gonna be travel and that's gonna be gift and that's gonna be stuff that's kind of a little bit outside of you know we have those categories but I want to know when they're coming up so I can make sure that I'm properly planning for them if you have stuff that you know is coming up it's a really good idea to just you know look where it is go backwards and see what you need to do so that you're prepared I don't want to be I've known about these weddings for awhile I don't want to be bamboozled you know cost wise when it comes to time you know when it comes time to you know spend the money on making sure that we can be there and that kind of stuff so so this is you know kind of one-time date specific things that will happen during this year and then because this monthly deluxe has additional pages now some people people had mixed feelings about the changes to this particular layout because the old one had one page here then the monthly then two pages and that was it but this one has an extra set of pages so I'm really excited so you went from three to five that's two whole extra pages a whole extra spread which to some people might not seem like much but I'm really excited about it and then they also took a lot of the structure away which for me I like making it work I like a little bit more flexibility so I was excited about that change so I'm gonna show you how I'm gonna set it up so my this first page I used to use this one before the month as a sinking funds kind of overview so I would put my sinking funds here and then I would put starting what I added that month what I took out that month and then ending and then I would carry that ending over to the next page and like I said it's all explained in my other videos if you would like to have more detail about how that works but I'm now gonna be using this page you know the first page of the month as a monthly overview so I'll have goals I'll have things that are due this month from that sinking funds page and also stuff from this page you know I like having kind of an overview here and then breaking it down by month so it'll be you know January goals for January and these are gonna be different every month like our you know as of right now our goal for January is gonna be you know we're really trying to hit to catch up with some retirement savings that we held off on while we finished paying off you know our last student loans so that's gonna be a big goal for us in January and you know keep in mind that financial goals don't always have to be a dollar amount like one of the other things we really want to work on this year is optimizing a lot of our expenses and car insurance you know for example is one of them our six month premium is due in January and so we have the money saved up but I'm trying to find ways to lower that cost for our family so that's another goal is you know working on car insurance cost so I like putting these things in here because I don't there's you can't for me anyway you know save money that's not for me a goal that makes a lot of sense I need like put this much money into here lower you know this sorry lower this expense by you know whatever so this is this page is gonna be the monthly overview goals things that are due this month and then I'll probably keep space open because sometimes halfway through the month I need to make changes like something you know we had a month last year where or this past year where something really big came up we had to pull from the emergency fund we had to halt a couple things and I like writing all that down so I can look back at the end of the year and see you know oh yeah that thing happened this month but you know this is what we did you know in the big picture so this is gonna become a monthly overview which I did not have in last year's planner I just didn't have enough space and I'm and I found myself using notes pages as kind of like a monthly like scratch page and I'm just I'm so excited to have that so I'm gonna use this page for a monthly overview this is just a quote page but don't be afraid to write on it you can put sticky notes on it you can just you know in my life planner I just write directly on it things that are specific to that month you can put quotes it doesn't even have to be functional you can decorate it with stickers if you want I'm not a highly decorative person but if you are that could be something you know that you could do the monthly I'm not gonna do a ton for the monthly set up right now because it really varies from month to month actually doesn't really vary a whole time from month to month but I use this to track monthly bills cash withdrawals from the ATM and then I use the sidebar to track our income because we are both self-employed and we have some like you know there we have like W to pay and then we have contractor pay and there's like you know bunch of stuff coming in so I keep track of it here it just makes it less complicated for me of course that wouldn't apply to you if you're not in that same situation so you know you could use this for a variety of things but that's what I like to use it for and then I map out when I pay all my bills so I if I know that you know all my you know half of my bills are doing the first and I pay them you know let's say a week before they're due to make sure everything clears in time I need to know that a bunch of money is coming out of my account you know around this time that's helpful for me planning out cash flow like when can I transfer money into sinking funds I can't do it in the beginning of the month because I need that money to pay for you know whatever it these bills so I use little stickers and I put you know mortgage cable and internet and so on and so forth so that's what I use the monthly layout for and then we have these four pages but this page of this page of this page in this page are all January and then this one turns over into February which will be another monthly overview but this one will be for the month of February so now these last four pages after the monthly layout I used to have on this page the sinking funds overview for the month so the annual is just gonna be dots for when things are due but this is going to be like all of my sinking fund categories exactly how much money I have in the account dedicated to those categories so it's not just on this list because these are just things that are date specific garbage is due every three months our past control is due annually or h:o as do quarterly our car insurance is due every six months these are things that have due dates and I know when they will occur but a lot of my sinking funds don't like you know home maintenance I don't know when our you know garbage disposals gonna go and I don't know what if our water heater is gonna die and all that other stuff or if our car is gonna break down so I also keep our full list of sinking funds with the amounts that we have dedicated to each fund on this page as kind of an overview which is what I had before it was just like I said on that page this page I'm gonna kind of recreate if you remember from the one last year if you are familiar with the one from last year there was a sidebar here with checkboxes they would like check circles I think and so I used that for monthly bills and then on this side at the top I did other monthly expenses like you know the cash that we take out for food and for entertainment and I would also keep track of how much gas like for the cars I don't take gas money out I just keep it in my account but I help for it in the beginning of the month so I have to make sure that's in there somewhere so it's not really a bill it's not a sinking fund but it's just a monthly you know it's still a cost so I have you know cash withdrawals here and other miscellaneous monthly expenses and then what I used to use this kind of middle section for because the monthly bills will go here which I will still section off I used to use this as a sinking funds tracker and so I would look in my account and see you know I went to the mechanic and I spent you know $200 on my car that needs to go somewhere so that at the end of the month I can go back to my sinking fund summary and note oh yeah I had $800 in my car repair fund I used 200 and now I only have 600 I like keeping track of all that is it a little bit of extra work yes every single time somebody watches this that's unfamiliar not every single time I need a 9% of it was my anecdotal observation not scientific but almost all the time somebody says there's not a lot of work and I always think yes but I mean it's not a lot of work especially once you ease to it but it is so much better than not the money are being disorganized and not you know having to worry about where the money's gonna come from I don't I don't worry for my car breaks down I know how much I have I know what it's gonna be I transfer it over and I write it down it's not a big deal and it takes all of 10 seconds and I just promise you that it's so I mean I don't want to try to have to convince everybody cuz everybody's doing their own thing but for me and for my family I sleep so much better at night putting the extra work in here instead of figuring out how to fix something that I wasn't prepared for when it's not that hard to be prepared for it so this is monthly bills and other expenses so other expenses up here monthly bills will be on this make a sidebar and then down here I'm just gonna I don't really know how I'm gonna fill in the space that I had for the sinking funds list because it was never enough I always had to put extra paper here a paper clip it in or put a sheet to log sinking funds tracking and so I would always write which is what I'll do on these two pages I'm gonna need a full two pages it'll be date category amount which is really similar to the budget planner if you have the Erin Condren budget planner it's a petite planner it's like about this big it fits in the folio I shoulda brought one over to show you but it's a great tool it's not as robust in terms of notes pages which is why I don't use it for budget planning because I use I have all this other stuff that I like to keep track of but it has an awesome sinking funds tracker and so what actually well I probably won't do this because I like having the extra room to spread out but I thought about cutting those pages out and in like using adhesive to put them in here but I like all that room but it's basically going to be modeled after those pages it will be date category and then the amount so I know like you know November 12 car maintenance $200 or you know another one of my sinking funds is clothing for my kids you know I spend on you know November 20th you know 50 bucks on kids clothing for matching family picture you know which I almost never do is the first year bought about like coordinating stuff so that would come out of here but I knew that I had the money so I didn't you know it's you feel a lot of freedom when you know that it's already set aside so this is the this is the spread that I will use to track all of those monthly little expenses that come out of sinking funds but I need to have them somewhere so this is where that will happen and I'm so excited because this one little section that I was using before just was not cutting it I need a full two-page spread so that's how I'm using all five of the pages monthly overview sinking funds summary monthly bills that I'll check off when I pay them and then I make sure you know that they're all accounted for here and then sinking funds tracking so that's gonna be repeated for every month throughout the rest of the year February and mine is a 12 month it just goes you know that the annual the calendar year then I let's see I don't think I use this a lot because they don't usually have a whole bunch of things that I know this far in advance but if I did actually that's not true because we have a couple weddings and I knew about but this is where I keep track of extra things that are coming up the following year and I just write them as a month that they're happening or if I know like somebody got engaged but I don't know when the wedding's gonna be it might be this year so I would put that in that section and then in the back it's just all the notes pages and so I like using I like using the notes pages for a variety of things that are all laid out here it's a combination of tracking like specific category tracking for example giving I keep track of how much we give in to where so that at the end of the year number one I can see and number two you know we use that to help with our taxes for our tax deductions so if this is more of a tracking category goals is obviously not I mean that's not really tracking and that's just you know I'm kind of using it as a work page that I will change throughout the year but we'll start with some goals and I'll be able to go back and how we're doing 2019 income our income varies every month and so I have a whole page that at the end of every month they track what our monthly income was so this is another tracking page inspiration I have in my other planner is just a whole bunch of quotes this is what it looks like this is my inspiration spray they're just a whole bunch of quotes that I looked up that I love that kind of help keep me on track and keep me motivated and so you know that's neither here nor there but that's not something you can put in you know an app and it's a little more than being able to put it in the in the more like basically a budget tracker so that's another reason I like having this so that's inspiration and then account information policy information for life and disability insurance things like that that I need to be able to reference do you need to rewrite this every year because some people are probably thinking well that's foolish to rewrite it every year it's just what I like doing of course you don't have to or you can photocopy and tape it I mean you don't have to rewrite it I obviously like writing things it helps me and it helps me just spend the time focusing on Finance stuff and I just enjoy doing it so so I rewrite it every year plus we've made some changes to some of our policies and so I like having it updated every year so that I can look back and see exactly what we had at any given time so I like having it all in one place so this is the first thing I do like I said in the beginning is I get everything out that I want to focus on in this back section and so what I didn't do yet but I want to do now is kind of organize them into like which order they will be in so I think what I'm gonna do is it'll be baby steps in the front I like having inspiration in the front this is all more like this is just informational and not really tracking home maintenance retirement giving kids college are all tracking in common goals are trekking but there they're different than specific you know than these categories in my mind and car mania s go here too the reason I keep track of car maintenance and home maintenance which seem like I guess you know why track those specific categories and not every category I just like looking back and seeing what we paid for each of these things so I total this up every year it's kind of arbitrary just know it's just what I like to track so so these are kind of sorry then I kind of put everything into these groups so this is what I want in the beginning this is still kind of you know planning and tracking but it's separate from the more specific categories and then this is just information I think what I'm gonna do is he'll do this first then I'll have the 2019 specific like big picture goals and income that's a big picture then I think I'm gonna have tracking so I don't have to dig all the way to the back to do that and then I'll do more specific tracking toward the back do baby steps here if you're just getting started with budgeting I love in my opinion Dave Ramsey is the best place to start if you don't know where to start once you're through like if you're debt-free and you have all you know you have your emergency fund and you're ready to invest there are a lot of other places that I like looking and going but if you're kind of in the trenches this is a great place to start so I keep it here this is where we started and I still like having it here and looking inspiration is gonna be more than one page so for that I want to do goals next and then right after goals we'll do in common my husband and I do goals together for the year so we'll sit down probably in the next couple of weeks and review everything in 2018 and see kind of you know what we set out to do what we did and then we'll create our goals for for 2019 and then of course tracking income this well this kind of goals with goals but I like keeping track here of things that we're doing not you know of course a list but also ideas and ways that we you know I'm constantly looking at ways to optimize their budget in ways that work best for our family and so I like you know is another thing that is really hard to do if you have like mint or every dollar or you need a budget which are all fantastic apps for tracking numbers you you know you can't really this is the kind of stuff that it's hard to plan I just like having everything all in one place so that's optimizing and then general account information will go here and I'll put our policy policy stuff here for life and disability insurance and then we'll start with categories so let's see do I'm gonna put these in kind of like do giving first then retirement comes next and kids college comes next if you're wondering because I'm putting this in order of our priority why we save for like we have three kids why would we save for retirement first because you put on your own mask before you help other people with theirs I don't want to be a burden to our kids I want to make sure that we are being aggressive with retirement savings and then we will help our kids with college that's a choice that we make it's not choice that everybody else makes we're going you know we're gonna do the best we can to help them if they decide to go to college then Romanians in and then the back will be kind of flex I have a lot of extra pages here I added the maximum amount because I'm just always thinking of things that I want to include in here and so I like the flexibility and then if I don't use it you know that's fine then I just don't use it so that's how everything will be set up in the budget planner I will I'm gonna start going through and putting in all of the stuff that I planned out so I hope you'll stick around if you want to watch so we're back to the beginning thank you if you stuck around and watched all of that I am going to just flip through now and show you everything that I prepped I only did I only did a full January I usually go through and I might put some stickers and washi tape down just to prep but but I only prepped for January for right now so I'm gonna walk you through what I did and I hope you like it so this is the sinking funds overview I entered in entered in I wrote down everything that we pay not monthly but set on a date and then I color-coordinated this is about the only thing in planning I ever color coordinate just because it's easy to see like oh shoot what is our HOA do oh it's March June September and December and I love doing this because if you look at some months like March is a lot of stuff – June a lot of stuff do you know I don't want to have to scramble to come up with all of these things at once if I'm not preparing so that's all set the whole year overview my mom has her last she's getting ready to retire and so we're gonna drive out of state to see the last concert that she's conducting so that's an April that's a big thing we'll have to plan for and then a couple of weddings in the fall late summer fall so that's there and then I'll just add to this as events keep popping up if you watched the time-lapse you may have noticed that I moved some stuff around sometimes when I'm planning I don't I feel like I didn't you know I didn't like the way that it was and so I changed it so I'm gonna do bowls up top things that are due this month and then I'm leaving this whole section down here for notes I was gonna put it up here but then I didn't want to be I don't know I feel weird like goals I'll do ahead of time do this month I'll do ahead of time but notes I might add throughout month and I don't want to be doing it in the middle so I moved this up to coordinate and then of course monthly bills there's really not much to prep there until we get closer to January and then I lay all the bills out and then this is my sinking funds overview so I have not filled in all the categories because although they usually don't change sometimes they change this is why I don't do this for the whole year and I change it month to month for example we got a dog a couple months ago so now I have a new category which is pet or dog or you know whatever you want to call it and so I add that to this list so it'll be the name of the category like Amazon Prime I have you know 80 dollars in the fund right now every month I add ten dollars and I'm not gonna take anything out of this particular category until it's due in its Amazon Prime to March and I end the month with $90 and then I'll carry that number over to the next month starting so this is like my overview of sinking funds this page I split like I said I'm gonna do a monthly bills on this side and I'll just do little checkboxes all the way down mortgage electric gas cable etc and then monthly expenses that are not bills like I'm not gonna write a check for the groceries but I do need to plan on that as part of the budget some groceries dining out fun money gas and entertainment go here and then I haven't figured out what I'm gonna do here yet so I'm gonna leave it open and then this is gonna be tracking out going sinking funds but just all the way through this date category amount and so what I usually write is like 11:15 old Navy and then in parentheses I write kids clothes and then $50 and then at the end of the month I look back and see okay how much should I spend on kids clothes and let's say there are like two places that I spent money I highlight that one highlight that one add them together and then fill in the total amount under you know I think kids clothes usually somewhere here I started with 150 dollars then I added you know another fifty dollars and I spent fifty dollars so now I ended up with and then the very last page oops that is the last page and then the next page is February so I didn't go through and do every month for Feb for every month for this setup but I did do just the the monthly overview and then if you switch all the way to back I added the d-branes baby steps these are all Erin Condren stickers I'll link everything in the description I haven't done inspiration yet that takes a while so I want to sit down and really spend a lot of I don't know I like to get my markers out and make it look pretty so I'll do that later 2019 goals he's all done 2018 income I have a month and then I have monthly income and then I like to do year-to-date things to optimize and I left my sticky notes I remember what was on that list I've count general account information life and disability insurance information giving retirement which we have a combination of 401ks and IRAs kids college home maintenance like water heater blue we spent this much money that kind of stuff will go here so I can see at the end of the year what we you know I mean it's helpful also to know just what progress we did throughout the earth did it that's it so that's my whole overview and my setup thank you so much if you stuck around the whole time I hope this you know gave you some ideas maybe if you were looking for new ideas and I appreciate you all joining me if you guys have questions leave them in the comments I'll do my best to answer them and like I said I have videos for the overview of this planner and sinking funds and my previous year's budget planners in the description as well and I've also linked to all the products that I used in this video in case you would like to pick them up for yourself so thank you so much for watching and I hope you guys have a day by

How to cut down monthly bills and save more money

**How to cut down monthly bills and save more money**



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How to cut down monthly bills and the way I do it.

what's going on YouTube my name is ty my blocks the ex-king calm and others are very dark day today just getting my work and I want to shoot a quick video on how to save money on how to save money how to cut things out me a wife has done some custom bills out and some things that people might not have thought about too recently so you know saving money one way to make more money it's a save on money right no you know if you're trying to make more money the best thing to do is look at your bills and what can you eliminate it and we eliminate some bills and we dinner ourselves and one bill that we got eliminated was the pest control service the orchid man the man was a great service and we lead them because there was a poor service a really good service on knowing bad thing was that you know was paying seventy seven dollars every other month so just running it up plus tax the most eighty bucks every other month to monthly that's forty eight bucks a month and you know in the beginning yeah I'd used them guy had these spider crickets in my home Oh camel crickets with the column in my home and I got it kind of hard to kill so I got me a pest control service and get rid of them which is fine and dandy but don't you have a kid you know stuff got your cut so that's what happened well had my son and stuff had to go so I called and canceled them and I invested in a one gallon water sprayer which I'll do review about that I'm about to get tossed are pro top star P and I heard a good chemical insecticide to use and I'm gonna use that to keep the bugs out so I can spray the yard I can spray the trees the the perimeter the windows actually the backyard the front yard and it kills mosquitoes too one thing about the orchid man I didn't like that you know we worried nine to five it was very hard walk I put it I was working in the world before I went you know across the street what they call it so the White House I was on Wednesday Thursday and Sunday so Wednesday I got make an appointment for Wednesday they coming to house pray and be done since I'm working 9:00 to 5:00 mode through Friday and they close at five o'clock it's very hard to get them inside the home versus Saturdays and Saturdays they work every other Saturday and then why do scheduled for Saturday it'll be close my neighborhood there'll be there's nothing I close but they'll be booked so the past four times I'll call for Saturday they make it pretty booked so why do and when they do come to the house they always spray once every other month so I mean which is fine but when they do spray will be at work so I don't know what they're doing I don't know if they're doing a good job or not I don't know do the sprayer the windows are they spraying the whole foundation or spraying the bushes to I don't know I really don't know so yeah you know nothing about the service but it you wonder that's why I decided to get rid of them and to do it myself and the product of doing the self is to positive things don't think it's just prozac all I know the con is that I waste more time but will take me maybe you know 30 35 minutes to get this mix of chemicals together put some clothes on and spray the whole house use the whole gallon whatever but the pros are I save money and I know that the work is done I can spray it knowing the house but the bushes the grass the trees shrubs the backyard I have a shed as well in my back I can spray that as well there's a lot of spiders and bugs in there I can spray that as well keep the bugs out of there as well so it looks like it's a good thing I counsel them so that's one thing the next thing we have done is we go spaying a lot of money for home security and it was paying about 50 bucks a month that's a lot of money for home security and no one of our family members said they pay way cheaper internet I'll talk to Taylor 15 bucks a month that's why there's a research on that and I know do with just soft security systems is on the rise right now and and I I can also mine once I saw the price how much would pay you got paper clip in the front but your pay 10 15 bucks 20 bucks a month for home security and then you know what will get me long story short the company that I had got bought out three four times so I was paying $25 more than beginning which is not bad but every other year they got bought out and the price keep going up and no and then the thing is but my my equipment did get better stay the same so I decided to it Do It Yourself security system and I kind of enjoyed doing it once you do it yourself versus get so I also come to it it feels better when you do it do you know it's done you know that the doors got sensors when those got sensors everything so it feels better so I eliminated that bill when I eliminated well I got cheaper bill so that's that really helps so those two bills I I got lured or eliminated on one thing we did was I invested in a hedge trimmer I invested in a weed whacker and I put much cutting all the grass all year long this year last year I hired a guy he forty bucks two more long I was pretty hot last year and this year wasn't too bad but this year I did all myself so if you paying someone to cut your grass then you older person you can't physically do it keep paying that person cuz you wanna be out there hurt yourself but you know a young person and you could do it yourself going investing money into a lawn mower a lot more like 90 to 100 dollars and now I'm a lot more maybe four or five years ago it's still going strong so will pay for itself I invest into a hedge trimmer by sixty bucks I got your weed whacker for like 45 so I thought all these things to help me keep my lawn good into the winter time when I'm growing more and it saved me money so how to hire someone to do it so the way you do it in square cut your grass dam with it know what to spray that I got a sprayer I go I go and Samari outside go ahead make stuff up and spray and and be done with it and be done with it so those are some ways you can start saving money see what bills you got now lower than light bill is harder maybe gets on energy-efficient bulbs into efficient appliances for your car insurance try to call around different companies and see the benefits the pros the cons and the cost compared to what you're paying now awesome one other way that's kind of if you're paying 120 and coming constantly what's hard you send in five eighty dollars I'll go ahead and do it because over time it will save me some money so try that as well I think what's something else another thing you could do with foam service that have a rising horizon sprint all the plates are extremely high I have a rising fault 115 years I'll have about 15 you got every one was 30 there was expensive I was paying $90 for one line and now I'm paying 80 bucks for two lines for me and my wife so I was like okay I'm seven ten dollars about she online I got a line and we split the bill we was clicking wireless that runs up 80 phone service is fantastic so hey if you got sprint verizon thinking about going to a prepaid service that has great services to be there there's so many out there and they think service is just as good so there's a couple things that help you save money dude don't do it yourself do yourself a pain exterminator learn how to do it yourself body stuff buy the equipment by the pesticides insecticides it'll last you a long time tossed our Protoss therapy with an uber I wanna do review about that as well I did I see somebody bought a plan of that stuff it lasted my year so it's imagine it is like $31 so after one bus will last me a year so they'll try to do it yourself cut your grass yourself do your peasant roll yourself do your home security yourself monitored yourself through apps try get a lower phone plan try go to a prepaid plan copy pay plan your bill never just never goes up and down it's always the same try to use more energy efficient equipment I mean the devices in your home and try to cut out cable I made people I mean people my job paying to 20 to 30 a month doesn't cable internet it'll need these days the cable is dead I would rather using Hulu or Netflix was internet service and my bill will be cheaper I mean in you know my youtube channel I show you how you can watch movies and TV shows for the world real real low okay so there's no reason for you to pay to 20 a month and the cable and you work 40 hours a week and you have kids so how many shows do you actually watch besides power and they have they have none so I mean you only watch three or four shows Mable's with sports but you pay the 220 a month that's ridiculous give her the cable going Netflix go to youtube live YouTube labs like like 30 or 40 bucks a month so what's your internet by self might pay for it for the lives of my 12 youtube live you might I paying forward you've had a hard I was a month but you're cutting your bill in half if you cut your bill in half so these are the ways to save some money you can save some serious money by cutting things out you don't need you could do it yourself you call around get a better quote and everything else stop eating out so much know maybe from from September there is a timber to December you should try to save money because know why the hot got Christmas coming up new year's Thanksgiving you have a lot of family soldiers going out coming up Black Friday and you need money so the best thing you could do now as a stop T now say more money hoping high-yield savings accounts to put that money in cook cook you a big possible get eat that for two three days cook you some chicken wings eat number two three days make up Potter lasagna and make eat that for two three days and use coupons week a lot of coupons in the mail use coupons you get in the mail that also helps use cashback apps on your phone use the dollar app you get a dollar back and it's not a lot of money but over time adds up you usually get outside gas at a time you get gas you scan your gas receipt and you get cash back right now since I've been using a gas app hell I've been using it since April to September I'm a $61 that's my scaly my gas receipt that says free money so these are some ways to save money just rethink your bills what bill can you eliminate and what bill key made cheaper what Bill you do yourself cat cut the grass myself I'll do myself alone can I do I'll do this oh security system saves the money I have to do it myself I can I cut out this pest control bill cut out cable and go out with another lor bill can I cut out there's a verizon bill the Sprint bill that's a lot of money mobile bills a lot of money can I cut those things out but cutting those things out you will save money how I say my my light bill many more installation in your home energy efficient devices lights all key things off that's what also helped you know save on gas you know when you one thing I do like instead of me you know sometimes if you get out were a good time and he goes if you're already out go ahead and do your good shopping while you're already out they come home versus on your day off you know except you get your car and go to the store coming back you're burning gas how about you go ahead and go shopping while you're already out they come home that way when we can you don't have to go buy groceries you can do anything but stay at home and save that gas money so yeah the plenty of ways to save some money you want to save money by cutting up bills and expenses kind of things you don't need and what it could not faith you could do yourself that's security bill the security bill right now and the orca man and you throw cutting grass I probably save $150 a month just cut those things out and do them myself that's it and with the home security won't you just it's easy it's easy you just stick it you good to go you good to go and but this goodness says that once you have a cell it's done it's done you'll read nothing else you've got a checking it out this is done and in and with the pest control you do it once a month you do it once a month you do we cut the grass do it once a month so all these things have to cut out you do it once a month you do it once a month and you save money you save money so but anytime what else can calm I read a blog post about this as well I have more videos coming out and I got a new video coming out I'm gonna do soon Peyer tomorrow Saturday it's called the peace of hunt hack I got I find a way to get we want a piece of her pizza you get cash back on to apps that didn't know had on there and check that video out download all these links below the video acorns you know acorns get money back your account by buying stuff get the dogs out you don't say get the dogs out go ahead and get it and you cash back on restaurants by link below get the get up side gas app you just get your gas receipt you get cash back within four hours get couple dollars back over time adds up that link below the video as well my name is Tyler asking comm help you save money make more money hide the whole money and I'll see you next time

HOW TO SAVE MONEY | Frugal Living Tips

**HOW TO SAVE MONEY | Frugal Living Tips**



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Hey Guys! I hope you enjoy this video about how to save money and how to be frugal! I love saving money. I think it’s really important to educate the importance of how to save money. Let me know if you have any money saving tips to add to my list. Comment down below! ❤️

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Hi my name is Molly, and I am beauty, fashion, and health obsessed. Here you will find makeup tutorials, product reviews, hair tutorials, fashion lookbooks, health and fitness videos and so much more! I aspire to help people with beauty and health. It’s my passion and my life. Be sure to subscribe for new videos every week.
welcome back to my channel today I'm going to be doing a video all about frugal living tips I don't know about you but I love to save money so I'm just going to share my frugal living tips I am NOT in Middle s by any means but I do like to be wise with my money and not overspend on stuff if I don't have to so these are all the tips that I have accumulated throughout the years and I hope you find them helpful okay so first things first is you're probably wondering where my glasses are from and this actually does tie in with frugal living these glasses were sent to me by tij and I wear this video isn't sponsored or anything they just were kind enough to send me these glasses and they are prescription strength and I think that they are really really nice so that's the other thing if you are trying to save money or your glasses online seriously it really does save a lot of money so many people go to the optometrist and man it gets expensive going to the otama triste oh my gosh so if you're ordering your glasses online through sites like tij and eyewear you will save money because you're cutting out the middleman essentially so yeah I love these glasses I think they are super super cute and I just kind of wanted to give them a shout-out in this video like I said this video isn't sponsored but they were kind enough to send me the glasses so I just figured I would throw this tip in there because it is a pretty good tip I think okay so number two is nails this especially goes for you females out there I know that a lot of you like to go to the nail salon and get your nails done which I know is very nice it's nice to have your nails done but it's very very expensive and I just find that I can do my own nails at home and I feel like they look just as good I actually did my own nails and as you can see I think that they look really really nice these are my real nails I just grow them out and then I paint them and it's super cheap and I'm not going to the nail salon and spending like hundreds of dollars I mean if you think about it if you're going to the nail salon like I don't know like two or three times a month that really adds up so just keep that in mind okay so number three is to stop grocery shopping at the most expensive grocery stores I guess it depends on your area but I know for me like if I'm shopping at like a giant eagle tops you know stores like that you know the I know out west like there's like Safeway those grocery stores are very very expensive and there's so many other grocery stores that offer really good food at a much cheaper price so I really like to shop at all do you so if you have an Aldi near you definitely take advantage of that Aldi has really stepped up their game over the past few years and they're just much cheaper for me and my husband I go shopping for us once a week and I spend $80 so if you guys want to see a video on what I buy and what healthy meals I buy all $80 and under please let me know because I would love to do a video on that but yeah stop shopping at these really expensive grocery stores okay so the next tip that I want to talk about is gambling now we all know like of course like don't gamble but I think a lot of people don't realize like you know they go to the grocery store or the gas station and they pick up their scratch-off ticket and they think like oh it's only dollars only five dollars and I don't do it often it's like well you know if you're doing that a few times a week it kind of adds up but especially if you're not winning you know I just don't gamble like I'll admit like every now and then like maybe like once every month I'll buy like a dollar scratch to get and I don't win and then I'm pissed that I lost my dollar so yeah stop buying like scratch off tickets and gambling it's stupid you're not gonna win I mean you might eat but more often than not like you're not gonna win okay so number five I want to talk about gym memberships so many people have a gym membership I know I have had a gym membership and gym memberships are expensive like holy crap they're so expensive and it's like for what because you can just workout at home I swear by working out at home I mean you're watching this video right now on youtube you obviously have access to YouTube there's loads of free workout videos on YouTube all you have to do is get yourself a nice set of dumbbells maybe some resistance bands ankle weights and you're good to go you don't need a gym membership and if you feel like you really like your gym membership fine keep it but if you feel like you could get away with working out at home definitely do it because it saves a lot of money okay so number six is coffee I know that all of us when we're out about before work or anywhere we're all stopping at Starbucks Tim Hortons Dunkin Donuts and we're picking up our coffees day in and day out and this seems like a pretty common tip but it's really really true start making your coffee at home gosh coffee is expensive whenever you buy it out like you buy a coffee like a medium sized coffee and it's like two dollars and it's it's like why like cuz I can buy a giant canister of coffee for like five dollars and it last me for like two weeks straight and I'm not spending a bunch of money every day you know so stop buying coffee whenever you go out if you can and then the next one I want to talk about is alcohol alcohol is very expensive I know that a lot of you out there like to have your drinks but I can say if you are drinking on a daily basis like if you're coming home every night and you're cracking open a beer or whatever drinks you like any of that that stuff's expensive so if you can limit it to like the weekends only try to do that it's just it's so expensive like especially wine oh my gosh especially if you want to buy like decent quality alcohol – that's not going to make you feel like crap definitely living your alcohol consumption not only is it good for you but it's also good for your wallet okay so the next one I want to talk about is bottle of water a lot of us we live in areas where we don't like our water that comes out of our our tap and we buy bottled water but bottle of water if you think about it it really really adds up especially if you're someone who drinks a lot of water I know that me and my husband drink a lot of water and it's just crazy to be buying water constantly so instead you should invest in a water filter and you can either buy like the really nice Brita or pure water pitchers and it filters your water for you or you could hook something on to your sink and that really really will save money in the long run because bottled water really really adds up and it's just crazy and plus then you're set you're cutting down on your classic use and stuff and it's just kind of like a win-win all around okay so the next tip that I want to talk about is cooking at home so many of us are always you know eating out and it really really adds up so I know this sounds like common sense but really cook at home it really really makes a difference there are so many easy things that you can do because that's the thing was eating out like people do it out of convenience but invest in a crock-pot get a nice crock-pot you literally just dump the ingredients and leave like you can put it all in before you go to work or school in the morning and then you come home and dinner is ready and you didn't even have to cook and it saves you money and it's healthier okay so the next one I want to talk about is getting rid of your cable bill and I feel a lot of people have done this already but we all know like a lot of us are just on the internet now and we are really into like Netflix and Hulu and YouTube and it's like why even have cable anymore do you know what I mean so definitely get rid of your cable bill cable is so expensive I know my father still has capable and he pays something insanely it's like 95 dollars a month and he only watches like like three channels you don't I mean so it's it's such a waste of money when you have the Internet at the push of a button you know and personally I like Netflix better Hulu YouTube all of that it's so much better and cable I feel like 98% of it is commercials so stop paying for that it's such a waste of money okay so the next one I want to talk about is thrifting over buying something brand new now I know that a lot of us do like to buy a lot of things brand new I mean I know I do but if I can I do like to check out the thrift stores for you know like winter sweaters and stuff like that because sweaters are really really expensive I know that I just want thrifty a few weeks ago and I got two sweaters really really beautiful sweaters two of them for five dollars so they were 250 apiece now if I would have went to the mall and bought two sweaters that could have easily ran me about I don't know 60 $70 if not more so definitely keep that in mind thrift stores are the way to go there's a lot of hidden gems there I definitely want to do like more thrift with me vlogs and stuff because I feel like people don't realize like you can find so many great things at the thrift store for a fraction of the cost of what you spend at the mall okay so the next one I want to talk about is building your own furniture now of course not all of us have the skills for this I mean I know I don't but if you have like a husband who was like really handy I know my husband is very good with stuff like that he actually built me my own kitchen island because we needed more kitchen space so he built me one and it was so much cheaper than buying a brand-new one so you know there's so many tutorials on YouTube of how to pretty much build any type of piece of furniture whether you want to build a kitchen island or a coffee table or you know a desk anything like that sometimes it's a lot cheaper to build it yourself and that way it's like completely yours like nobody has the same one as you because it's you know you customized it so I think that's really cool too and you need to save money okay so the next one is cosmetics now obviously like my channel is very Beauty based I love makeup I love skincare all of that but so many of us think that we have to go to stores like Sephora and you know all the expensive Macy's counters you know like Lancome and Estee Lauder and Clinique all of those brands that's expensive and what's up why why are we spending so much money on cosmetics the drugstore has lots of amazing prep makeup products and skincare as well I feel like we don't have to spend as much on makeup in skincare as we think I love drugstore makeup it's pretty much all that I own and I just I like how it saves me money and I not spending copious amounts of money on makeup like foundations at like Sephora and stuff they can run you like fifty dollars at forty fifty dollars for a bottle of foundation but then you can turn around and go to like Target and buy a really nice bottle of foundation for like twelve thirteen dollars you don't I mean so it's like I I mean I I mean I guess I understand like if you are a big makeup enthusiast and you want to try everything that's out there but if you're trying to save money definitely cut back on high makeup and skincare okay so then the last one that I want to talk about is impulse buying I think so many times you know we got shopping with our friends or family and we just kind of just buy do you don't I mean it's like you really like back up and stop and think like hmm like do I really need this like is it something that I really need like I understand like we do like to shop because we just want stuff I mean we live in the age of consumerism but sometimes we really need to scale back and see if it's something that we like actually need or if your think about making a big purchase online or something you know just add it to your cart walk away for a few days you don't have to purchase it that day and if you still really really want it in a few days then buy it but you know we need to stop impulse buying because it really really adds up and also to like you never know you could find better deals you know so if they say you're shopping for like an area rug or something and you come across one out of store you'll go I love it I'm gonna buy it right now it's like well I don't know like maybe you should go online see if you can find like the same rug or a similar rug for a much cheaper price you know I mean so yeah impulse buying really really adds up so yeah those were all my frugal living tips I hope that you guys found this video helpful I know I really like to save money especially in this day and age I feel like everything is so expensive it's tough out there you know cost of living is high so yeah I hope you guys found these tips helpful and if you did please give this video a thumbs up and if you are not subscribed make sure that you are so you don't miss my next upload and until then I will guys in my next video you

How to Create a Budget with a Spreadsheet

**How to Create a Budget with a Spreadsheet**



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How to Create a Budget with a Spreadsheet- Step by step tutorial for creating a budget

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hi guys it's an elephant bustle domestic and today I have the video you guys have been waiting for my how to create a budget and make it work for your family since of course this month we are doing our spending freeze and our main theme for the month of January is budget is how to start the budget make it follow it and make lasting changes for your family telly is excited so the first thing I wanted to talk about before we even get in how to make a budget is why it is so important to have a budget in the first place and so I just kind of don't see me looking down I'd write it down um a few ideas that just came to mind that I wanted to share with you so the first and foremost reason for budget is to make sure that you have enough money when we're going to create a budget you're gonna first find out how much you actually have coming in so whether that's you know your income from work whether it's your spouses or yours are both yours together if you have any other income meaning child support I don't know what other income you would have but you would include that because that's all the money that you're gonna base your monthly budget off of so knowing that you have enough money to pay for all the bills and outgoing things you have going on is a great blessing it gives you peace of mind another reason you do a budget is that it will keep you out of debt once you have created a budget you then know if you have that money to go out to eat or to buy a new TV or to you know purchase whatever you're purchasing at the store having the budget lets you know exactly what you have coming in and what you have to work with another thing is that it teaches you self-discipline if we didn't pay attention to budgets we could just you know go do whatever we wanted and spend however amount of money we wanted but if we have a budget and we know how much we have coming in how much is going out and what's left over but then really gives us an idea of what we have to work with them what we can do and it's a good thing to have self-discipline I know that some people say that you know budgets are restricting and they're not good but actually they're freeing because yes they restrict you to a certain amount of money that's left over but they keep you out of debt which debt ultimately puts you into financial bondage where now your money has to be forced to be allotted somewhere else because you're in debt and so the budget actually can be freeing because then you're keeping yourself out of debt where you're not locking down a certain amount of money every single month that you have to pay towards a creditor because you spent money you didn't have another reasons budgets are great is that they allow you to set and reach financial goals so we all should have we all their goals Oh some people have goals that we want to do and this year we're gonna really focus on setting financial goals and achieving them and so some of us are gonna have really large financial goals and some of us will have smaller ones and so this will have a mix of both so by having the budget and being able to allocate money to different categories and stuff like that we're gonna be able to reach those financial goals that we're studying and if it gives you a game plan um I guess I'd like to think of your budget as this game plan for the month and then of it is that to build your wealth so one thing I mentioned in my book living a beautiful life unless is that it's amazing how many people we work so hard for our money but very few of us pay ourselves we cut meaning we have money going to you know you might just need to flip over yeah tummy troubles for a five-month-old she can roll herself over onto her tummy and then she's like what do I do help me help me we're working on they getting you back um but so budgets can help you build your wealth again whatever about was in my book that I talk about that you know we work hard for our money and we constantly have money going out to you know our utilities doctors appointments things like that repeat all these different people but we're barely paying ourselves meaning we're not building up our own savings like we work hard for our money and we should make our money work for us meaning you know let's put it in a saving what's invested things like that and because the more that we're able to set money aside and save it well that's money that now we can use for that rainy day or through whatever those goals are that we have another thing with the budget that helps you plan for the future and that again I think goes with the setting goals is that being able to think look ahead that you know where are we going to be a year from now five years from now ten years from now and is what we're doing today getting us where we want to be tomorrow and it's a really good like checks and balance make sure that we're just being accountable for you know what we're doing let me be kind of touched on it but the lessons that it gives you peace of mind sometimes I can find you in myself that I'll be like oh it's a Christmas budget man but I forget that once I dive in like I'm happy because now I know what we have I know that our bills are getting cave and it becomes a huge blessing so I do have any disdain towards budgeting just keep an open mind and remember that we're making lasting changes this year good habits healthy habits that are gonna help us in the long run so just like we know that we can't have cupcakes every single day although they are delicious we know that our bodies work better than me see fruits and vegetables and drink a lot of water and so that's the same thing that we know that if with finances that we create a budget and we don't use those credit cards we're gonna have a healthy financial future so now that you guys kind of know that just like why we need to do budgeting I want to show you guys how to create a budget so I created a template that you guys can use in Google Drive now I was not the other folks that I was resistant my husband has been trying to get me to use Google Drive for like ever and his big thing was that Google Drive is awesome because once it's on your Google Drive you know you can on your laptop your tablet your phone as long as you are signed in to Google Drive and so that's really nice in the fact that you have access to it for multiple places so there's really no excuses you can't look at your budget and know what's going on so I created a template this is the exact template that I use for my family and of course I just made it very generic and I love it because you guys can customize it to what you needed to do for your family because it's important to have that budgets they're not like New Year's resolutions where we're going to be super into it for like a few weeks in January and then once we hit Valentine's Day we forget all about it it's something that we're going to be looking at every single week and checking ourself and things ok are we doing let me get you all done but I'm gonna have the budget linked below again that you guys can go to the link you can save a copy onto your Google Drive and you guys can put your things in a minute I'm gonna flip the camera and I'll show you the different categories oh it's the entitlements on payments on yes it's here we can take MotoGP yeah all right so if you are brand-new to budgeting or even if you were just you're not you've been doing it for a while and you just want to just have a refresher the first thing that we need to do is this on a piece of paper I want you guys to write down all of your outgoing needs to pay bills so now need to pay meaning but stuff you need to live you need a home to live in you need utilities we need water we need electricity we need food to eat we need gas for our car to get to and from work or to the different places we need to go to the bare bare necessities that we need and the idea is to write down all of those need to pay bills and find out how much that cost and then compare that to what your monthly income is now keeping your fingers crossed a bad number of the outgoing bills is going to be considerably less than what you have coming in if for some reason it is more then you need to start looking at cutting the fat from your budget and cutting the fat is going to be things like cutting the landline reducing your grocery bill shopping around for insurance you can reduce your weight seeing if you can spend less on gas meaning you know maybe you guys for a while only use one car rather than two so you're spending less on gas you know there was a time in our life when we didn't have a lot of money for guests I've mentioned it in my book and in the on the blog that when we had a van that had cost a lot to fill it up and we didn't make a lot of money so we really had to pick and choose where we traveled and we tried to combine trips and stuff like that and that was because you know we couldn't afford to go a lot of different places because the money wasn't there so that's I want you to do is to come up with what your need to pay bills are write it down on a piece of paper now don't just say I got it in my head I'm good to go no write it down on a piece of paper because when we write things down something amazing happens and it's like things click on our head and we're like oh okay so I see the numbers in black and white I just say it creates a better connection and what you're doing once you have Matt then you can look at it and then we can start inputting it into our spreadsheet now you could totally skip the paper and just put it on the spreadsheet I like it on the paper just because again writing it down helps you really focus on what you're doing and seeing those numbers and what those numbers mean bake for your budget and you know are you spending too much do you have too many commitments for your outgoing money now with the needs of people's that doesn't mean going to get your hair done what would be other things you know going out to eat those are not need to pay things those are things that if you have money in the budget absolutely we can add those in later but for the the very beginning just to get started we don't even want to focus on that now I'm going to as I talk I'm going to show you some of the spreadsheet so that you guys can see what's going on now on the spreadsheet I of course have very basic categories like cable internet car payment car insurance cell phone electricity gas I do have Netflix and Hulu listed savings and then the those are the fixed bills and the variable expenses are things like groceries clothing medical but again those are not the there's lots of options that you can do now the great thing with the spreadsheet is that you guys can customize it again because budgets are personalized for the people that are living them my budget is not going to be the same as your budget what I spent on groceries is not going to be the same that you spent on groceries and nothing's wrong with that I think that's always important that I feel like we forget in our society is that just because someone does something differently than you do it doesn't make it wrong like we're different families and so what works for your family may not work for mine and vice versa and so I think we need to give not only ourselves but each other a little bit of grace and kindness just a caveat with that is that being moms and women I just feel like women just we can be a little jerky and we can do judgmental and I'm guilty of it I know you are probably thinking I've done that a time or two I'm guilty of it is that we just need to be encouraging to one another that's one thing that I want to focus on even more this year is being encouraging that just because someone does something differently than I do again does not make it wrong and that's what anything that you see on my channel on my blog take the pieces that work for your family and make it you know change it how you need to so that it benefits your family and whatever doesn't work then don't worry about it and I think that's worth like this is just what works for my family and I share it because I want to encourage other women and other families but it's okay if it doesn't help you you're like I don't want to do this then don't do it so that's just my little hold she said sir um so let me grab the camera and I will turn it around and kind of tell you what's going on with this slideshow let me try to do this with one hand all right let's see what we can do here hold in with one hand so again you're gonna find this down below so you can see over in the left corner heads income source now you can actually edit this and put it if you have multiple income sources whether you're a to income source family or one or you know then if you get a child support or something like that or you know maybe a month that you know you get your tax return or you have a bonus check that's where you can put that income in there now this is something you're going to want to do this budget every single month and one thing is just to pick a day whether you know it's the end of the end of the month or the beginning of the month and have a time that you sit down as a family or with your spouse or solo and think about what are the things that are coming up in this month what expenses you have and things like that what inka extra income do you have I'm over here for the fix a bill now again these may not be the categories at all work for you for my family we pay tithes to our church and we pay paths offerings agains if you don't if you don't agree with it don't worry about it just skip that one delete that section and then put in what works for you but for us we do pay tithing and we give 10% to our church and that's what we feel strongly about and that's okay and then I have rent equity where you put your mortgage further now maybe cable internet your car payments you have one car insurance cell phone electricity gas Netflix Hulu and savings savings is where kind of what I was saying about paying yourself you know pick an amount that you want to pay yourself each month and say you know what you're worth that you work hard so pay yourself alright now let's see if I can okay the baby's touching the camera all done don't touch the camera baby okay down here for variable expenses I have groceries and then maybe miscellaneous house house stuff clothing medical gas homeschool car maintenance eating out gives tariff occasion so once you've done your need to pay budget if you have money left over well then you can start allocating money to these different categories but if you're not there then don't worry about it budgeting is a process going further down I have a section for debt so if you credit-card debt you have I'm school loans Oh babysit the camera again car loans that's where you can put in what your debt payments are and that's where you can then keep track of you know who you're paying it to how much it is and then how much is left on that debt so you can start seeing that number go down and it's just it's gonna make a huge difference now we're going to talk about debt later in them in the year and I'll teach you guys how to work on getting out of debt and stuff like that but for today we're just going to talk about budgeting hopefully the camera was in to shaking you guys were able to see it this little chipmunk was whacking the camera and trying to with one hand and it got a little crazy so that's the template that I have for you guys again it's linked below and so I want to challenge you for this week pick a day and sit down and make your budget for January so now and now I'm gonna actually do that today it is actually what's the date today it is January 6 and so hopefully I'm gonna get this video out to you guys today or sometime this weekend today's Friday so hopefully this weekend let's put my glasses so I can see um so I encourage you guys to sit down and do that now what I do with my budget is that again if it's a good if I'm being good as I like that because I'm human and my fix busy and things get crazy and so in the ideal month which is what I'm going for I would have for me it's Monday's I sit down and just usually after the babies in bed and just I can actually sit and focus is look at the budget what bills need to be paid what are coming up whenever I pay the bills next to where that category is so like next utilities I would put the date that it was paid whether I didn't write I checked it sending it in typically I do online banking and you guys have not done online making look into your bank and try it because going paperless things like that it just makes it easier to pay your bills and keep on top of this when I have categories like medical to eating out gifts things like that I actually have create sections below where I deduct what I've done so like right now actually in my family organization binder which I'll show in another video but I have just a piece of paper that I am subtracting what I spent on groceries so far this month and I can also do that in my spreadsheet is just create a little a little section kind of how the debt payment section is create another one that would have groceries and that I could deduct everything from the amount that I budgeted that month so it really depends on whether you prefer doing it in a spreadsheet or you want to do it in your binder on a piece of paper either way is good as long as you're recording what you're doing and you're keeping track of what you budgeted and how much you've already spent so going with that so this week you know make that budget first the need to pay and then if you have extra money talk about the other categories if you are brand brand new to budgeting though I would stick with the need to pay try that for a month or two and then try categories because you want to start off small just like with babies we know babies don't come out and we don't give mistake and say good luck try to eat it because they can't they're physically not able to do it you know miss Thalia she is just breastfed that's all that she has right now and I wouldn't give her baby food right now that's not where she's at in another month we're gonna introduce baby food and then she's gonna work her way up to eating you know bigger meteor things but it's all about baby steps and that's the same thing with budgeting is that you need to give yourself some grace and remember that is all about baby sets I'm not you are learning it's a learning curve and so you need to give yourself the grace so you can figure this out and what's gonna work for your family you me you know pick an amount for groceries and then you realize that either that was too much that was too little and that's okay because the fact is that you're trying you're working towards a goal and additions you know your new a batching remember that it's all about getting closer to those financial goals okay so just give yourself some grace please don't just if you try it once then you say it didn't work just know look at what didn't work and try to take it so that's what we're gonna do so make that budget today friends let me know if there are other things I left something out I know if I'm forgetting to maybe is fussing but I hope that this video helps you I hope you're able to use this template then it will help you and encourage you also I am giving away on my blog two copies of Kindle versions the ebooks of my book living a beautiful life unless because I'm so thankful that I'm able to have this channel in this vlog and the whole reason I have this little platform is because you guys come and you read and you follow and subscribe and stuff like that and so I want to be able to give copies of my book away which will help you guys in your journey and I am gonna try I think every single month this year is to give away a few copies of the book so that it can help then you guys and then maybe you know you can pay it forward and give the book to someone else and or share it with someone else then they can be able to get their family write on their money but so um I'll link here in the night card and below the blog post in u.s. and go and enter to win again I'm giving away two copies Kindle version ebooks of my book living a beautiful life unless which literally talks about everything I talk about on my blog so budgeting living just frugally and within your means and just being a family and spending that quality time together if you guys have any questions leave them in the comments below also you can check out blissful domestic daily for our daily blogs and if you guys are new to this channel please hit that button subscribe and I hope that you guys are just having a good day a good weekend and I'll talk to you guys later you say but can you be busy Oh guys guys