Tag Archives: Stacey Flowers

Grocery Haul for One | $50 Monthly Budget | STACEY FLOWERS

**Grocery Haul for One | $50 Monthly Budget | STACEY FLOWERS**



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Grocery shopping on a Dave Ramsey inspired zero-base budget can be tasty if it’s a budget grocery haul. This grocery haul for one is a monthly grocery haul on a budget. Made much easier by meal planning for one and grocery shopping on a budget. My secret to success is meal prep and budget grocery shopping.

What I eat in a day is coming up! If you have any questions leave them in the comments below.

Monthly Grocery Budget: $50.00
Stores: Whole Foods + Marianos
Camera: Sony a5100

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 my life by cash. Budgeting for beginners is mostly what you’ll find in my videos.

SIGN UP for Dave Ramsey’s Financial Peace University:

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

SIGN UP: Financial Peace University by Dave Ramsey:

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

————————————————————————–

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.
this beautiful colorful basket I'm so excited about all these hello and welcome back to my channel my name is Stacy flowers and I am a student of Dave Ramsey's Financial Peace University and on a journey to become a 100% debt-free my current debt is over one hundred and eighty three thousand dollars I am on baby step number two to repay 100 percent of my debts I earn an income of anywhere between 1,500 and 2,000 dollars on average a month working part-time and running my company quarter time in this video I'm going to be sharing with you my July 2018 grocery haul so if you are interested in that please keep watching let's take a look at what I have here in the cabinet I've been starting a little bit of work on organizing my pantry I got a gift card from Target and so I bought these although I don't think that they're going to be large enough and I think I'm just going to switch over to a hundred percent mason jars but I have a little bit of black beans I have a little bit of quinoa rice this is the last amount of my oats I have angel hair pasta that I purchased to make homemade ramen noodles I still have my banana rings that I just have not even from my last grocery haul and then I have a couple of broth and so let's talk about the broth really quick because a lot of you guys suggested bouillon cubes and when I first moved in I went I got beef and chicken yes beef and chicken bullion cubes and I put it in my red beans and I put it in my black beans and it was absolutely delicious however what happened was is I was out myself like every time I would eat like a bowl cuz you know I have it for like lunch and dinner so like I eat it a lot but every time I would eat it I would get overwhelmingly tired like even when I would eat it at work oh god why am I so tired why am I so tired enough let me look at my ingredients and when I looked at the bullion cubes there is soy but I can't remember how I don't know if it's a soy oil or soy bean I'm not 100% for sure but I just my body doesn't have a good reaction to soy so I can't use bullion cubes with soy in it and I haven't found young-kyu that doesn't have soy in it so if you guys have a recommendation I'm totally open to not using these to save money but I think people this is just something people will say oh you can get that cheaper at this place and you're right but you have to ask yourself why is it cheaper at other places it's not always just cheaper at other places because one store you know branding and marketing and it's organics sometimes it's cheaper because they're using lower quality products in addition to the thing so like for example like seasonings like sometimes when you're purchasing seasonings you're not just purchasing that seasoning you're purchasing that seasoning but they blend up other things that are tasteless but like provide the bulk so that would be my recommendation it's just I understand that there are a thousand ways to make my grocery shopping even less expensive than what it is at fifty dollars a month but me making some of those decisions winds up being the wrong decision for me because there are products that I don't want to consume and in me purchasing something cheaper I'm unintentionally consuming those products for example the bulan cubes where you can get like ten versions of this box of broch but in you getting those ten versions you're also getting the who humping of soy and if you don't eat soy you know that becomes a problem so I have chicken broth I have beef broth and then here I have some coconut bases and I'm a little bit of popcorn summarising corn mill rice flour a bread crumb with baking soda our seasonings I'm doing pretty good with seasonings have smoked paprika I have a little time ground cumin ground cinnamon pepper lemon pepper adobo this is I still have tons of that tumeric left bay leaves and a piece off from my auntie and then here in the cabinet sort of the same things the olive oil from May grapeseed oil and most of these things really aren't going down because I haven't really been cooking I haven't been cooking at home because it is really hot but also last month is my birthday month and I went out quite a lot so that's what having the cabinet let's take a look in the free refrigerator so in the refrigerator I have some celery but this is going to be turned into vegetable stock because it's just I left it in here too long these carrots may still be good so I may pull those and turn those into some snacks some sweet peppers which I'm super excited about did buy a little bit of kale I don't like the prepackaged kale I'm gonna finish eating it but I don't like the prepackaged kale I have a container of red beans a container of black beans little coconut milk that's leftover in a water pitcher not particularly satisfied with that water pitcher I'm so I likely will switch that out little bit of banana peppers have some red roasted peppers a little bit of almond milk and a little salad dressing and I'm running out of this is a little bit of frozen kale that's from that bag just because I knew I wasn't going to eat through it because I don't really like it very much but I don't want to waste it I don't know if you can freeze kale and maintain its nutrients but we shall see peas and a little bit of corn left so there are quite a few things that I will be getting from the grocery store today and yeah so there are quite a few things that will I'll be getting from the grocery store and I will also be getting some like mason jars to store things because I really want to switch over to not using as much plastic since I'm in my own home so let's go to the grocery store so I had all the plans and all the plans were to go to three different stores and then out of nowhere I don't even know if you guys can hear me but out of nowhere this brain came out of no way what I took my Mecca and I've been in the car now [Applause] these are a little darker one of the things that I am trying to figure out is how to cut all soy ouch I don't know if you guys can see that but the second ingredient second or first ingredient for most of all these male is soybean oil and I don't respond very well to soy so I'm gonna try this is the only one that I've found that doesn't have soy oil listed as an ingredient so I'll let you guys know this brand may actually be better I found another one that doesn't have soy in it from him but this has eggs in it and I prefer to not have eggs they make me a little sluggish but this one here is specifically says no GMO and egg free so I actually think we're going to go with this Mayo I'm kind of stoked about that a little closer and right here I don't know if you guys can see that it says it may contain soy and I'm thinking that that is because of where it's manufactured you know how like sometimes things are manufactured near each other which for me may contain soy is way better than soybean oil being the first ingredient so I'm gonna go ahead and try this and this speed the booty some wholefoods chickpeas red pepper flakes red beans popcorn oats and black bean I'm at the last store and I have my little bag with my cash envelopes out these are my original cash envelopes from Dave Ramsey and I'm at the third store today and I have you can see that in there I have 25 dollars left to get me some vegetables which primarily decorates my bases of oatmeal and beans every single day and quinoa this budget is $50 but I do think that I'm gonna increase my grocery budget to 75 right now I'm just in the habit of shopping at 50 and until I get a little bit more comfortable with my kitchen I don't want to waste so you guys saw when I was looking through my kitchen that and I mean technically it won't go to waste but I have carrots i have celery and a couple of peppers that went bad and I don't like that so I don't want that to happen and for that reason the other 25 if I do use it in this budget I'll just use it later on in the month if it comes up but if it doesn't then you know fifty dollars it is so let's go see beautiful color Pro basket I'm so excited about all these green I'm a pineapple and peaches so you guys can see that on the ground there this is what I got for my fifty dollar grocery haul with the exception of the mason jars because those were part of my household pantry that I got um because she's very hot all those stairs I got those so that I could make my to go salads but also so that could fill out my pantry so I'm kind of super pumped about that it is much much later in the day you can't really tell because it's been raining and whatnot but it's super hot so I am going to first watch them sorry guys I'm going to who first I feel like my my face is falling off me okay I'm gonna first wash my mason jars just a little I can as I'm preparing food I literally have a place to be able to put the food in and then I'm gonna show you guys what I got so this is July's summers grocery calls and I'll start down here I got my thing of almond milk got a very large container of strawberries this and this came from Walmart as well as this celery came from Walmart and it's funny that I have so much celery I'm not really a celery fan but it seasons things well and I'm making a lot of like cold salads like cauliflower salad and pasta salad and stuff like that and it seasons it really well I got a 1 bunch of spinach have a head of romaine lettuce I got two things of golden beets so this has two on it this has three on it got a pineapple I've got three stalks of our three heads of corn on the cob yellow pepper orange pepper red pepper green pepper these red pepper flakes are from Whole Foods I have three yellow onions because I'm still eating onion rings but also seasoning two peaches a head of cauliflower some rotini noodles tricolor for my pasta salad mustard garlic and this just Mayo and again this is gonna be for my pasta salad as well as for my cauliflower salad and then from Whole Foods I got red beans black beans red pepper flakes popcorn oatmeal and a little bit of gum bark the chickpea so now it's time to put all these dishes so what I'm doing in this jar is I'm just taking this celery that has died I'm washing it and I and I'm just chopping it up a little bit and I'm putting it in here because I'm going to and I wish I would have got to it just a little sooner but what I'm gonna do is when I get ready to make my vegetable broth I'm gonna use these veggie scraps in the vegetable broth so I put everything away we'll bring a couple of strawberries my pineapple will sit here a peaches here my corn on the cob here we look in the fridge you have my almond milk down here but this is what the fridge looks like the kale snacks are there this here is spinach it's just strawberry and then that's lettuce back there etc etc and then we go to the freezer oh there was something I forgot to show you guys I had sweet potatoes down here I keep forgetting that I have sweet potatoes down there so just so you know have sweet potatoes then we have what the pantry looks like here for the most part everything up here is the same I just move things up that's the red beans that I got from Whole Foods and this behind here leftover black beans and some new my onions are here this is a little piece of garlic old popcorn etc so this is where we are right yeah amazing super fantastic spectacular people that is my July 2018 these are so sweet grocery haul it was a very difficult one to film but I'm glad I did it I'm glad I've been able to find my mason jars so that is all that I have for you to them thank you so much for watching until next time I watch you all this

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

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



Views:1944

Rating:4.96

View Time:12:31Minutes

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Dislikes:1

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!!

————————————————————————-
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

————————————————————————–

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]

BUDGET UPDATE - March 8, 2018 | Stacey Flowers

**BUDGET UPDATE – March 8, 2018 | Stacey Flowers**



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View Time:15:7Minutes

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March 2018 zero based budget UPDATE shows how to budget on a low income. I made a mistake in how I allocated income from my third paycheck. In this video, I will correct that using Dave Ramsey’s Every Dollar FREE software.

Dave Ramey budgeting is a radical debt eliminating cash living plan to gain financial peace. Every tool in this video is from Dave Ramsey Financial Peace University. Budgeting your money is the single most important self-love habit to master. Dave Ramsey Baby Steps walk you through budgeting for beginners and learning how to budget and save money. Please remember to LIKE, SHARE, & SUBSCRIBE!

SIGN UP for Dave Ramsey’s Financial Peace University:

DOWNLOAD Budgeting Forms:

DOWNLOAD the Every Dollar Software:

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

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WATCH MY FINANCIAL PEACE JOURNEY FROM THE BEGINNING

How I Fell Back into $208,453.27 Debt (Part 1) //

How I Fell Back into $208,453.27 Debt (Part 2) //

My First Budget OCT. 2017//

My 2018 Financial Goals //

My Debt Snowball Update – March 2018 //

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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 filmed 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.
welcome back to my channel my name is Stacy flowers and I am a student of Dave Ramsey's Financial Peace University and on a journey to become 100% debt-free my current debt is one hundred and eighty four thousand six hundred and seventy seven dollars and thirty nine cents I am currently on baby step number one to save five hundred dollars and that is because my income is under twenty thousand dollars a year I work part-time and I earn anywhere from one thousand to twelve hundred dollars a month in this video I am going to be correcting a budgeting error that I made in my March 2018 budget so if you are interested in seeing what the error is how I intend to correct it and a little bit of a walkthrough behind the scenes on the budget please stay tuned so as my intro implies when I did my budget in March I made a little bit of an error and I just wanted to kind of talk through the error with you guys a little bit because it was actually something that two people from the community have pointed out to me so what the error is is for anyone who's paid on a bi-weekly schedule you are likely to be paid three paychecks in the month of March and the third paycheck will be right around the 29th 30th or 31st of March and then in the following month April you won't receive another check until you are between like the 11th and 15th 16th or something like that and because that's the way the paychecks are going to break down what most people typically do is they actually take the check that's at the end of March and use that as the check that they would normally have at the beginning of the month and typically that's what I would do as well however I was so excited that I was finally current on my rent that I realized that I didn't need to use the check from March to take care of the expense of rent at the beginning of the month and in my enthusiasm and excitement for that I forgot about two other expenses that actually come out between the 1st and the 15th of which I would need to pay out of that particular pay period and so what I have to do is go back into my budget and make that correction so if you are looking at my budget for March 2018 I have the green checkmark it is in every dollar budget and that is because I transferred everything that I talked through in my budget with me March live over into the every dollar for an additional checks and balance it's just just an additional checks and balance so at this time it is an every dollar budget I want to bring your attention to these three paychecks five sixty four forty five sixty because these are the anticipated paychecks that I have for the month of March the third paycheck is really the paycheck in terms of allocated money that is in question because again that paycheck falls on March 30th and I have two expenses that will come out that need to be taken care of that suit me I have two expenses in April that needs to be taken care of with this paycheck that I'm going to receive in March so I just wanted to bring that to your attention let's go down into my other expenses so I have giving savings housing phone food transportation insurance lifestyle business my tax payment account and debt I want to talk first about the two expenses that come out at the beginning of the month for most of you you will have your rent plus whatever additional expenses come out at the beginning of the month but again I'm current so the two expenses that I have are my phone bill I'm just going to add that right now mobile phone and I'm just gonna put a little note that it's April because that's just helpful for me and it's the same 35 dollars and 82 cents so when I do that you can see right up here it automatically changes I'm thirty-five dollars and 82 cents over budget which is so frustrating it's like oh so bad about it then the other expense that would come out at the beginning of the month is transportation and so I'm gonna do CTA pass and then they're just gonna put April as well and that would be for $100 and so now you can see I'm 135 dollars in 82 cents over budget based on expenses that need to come out with my March 30th paycheck that are actual things there are actual expenses for April and so I'm 135 dollars of our budget and that is no small number and so what I need to do now is try to see if I can find that 135 dollars in one of these expenses and so my giving expenses set at 10% tied so there's no wiggle room there there's no wiggle room in my housing because again I want to stay current on my rent there is no wriggle room for food because you all know that my son is coming to visit for spring bake break and I gave myself a little bit of extra money here just so that we can enjoy the food that we're having my food budget is non-negotiable transportation we just talked about that insurance this is another area that's non-negotiable because I want to initiate my insurance this month so that that way I can one have insurance and two I will have completed my first financial goal which is to restore my financial dignity lifestyle is a very big category where there could be some wiggle room business this could be some wiggle room here tax payment there's nothing there as it stands right now so there's nothing to negotiate and then debt there's no wiggle room this is these are the minimum payments that I have for these two debts so I want to come up to lifestyle to see if I can find 135 dollars in my lifestyle it's so what Dave Ramsey would call this it's a budget committee meeting by the way if you were taking his Financial Peace University program any time they have to change your budget or you want to make a purchase for something that you did not originally allocate you're supposed to have a budget committee meeting with your accountability partner and you guys are my accountability until welcome to our Budget Committee meeting um all right I need to find 135 dollars and 82 cents so toiletries I mean toiletries and cosmetics I really just need to change this category these two to just personal hygiene personal hygiene and household pantry is what I think I need to change these categories too because that's really what they are and then clothing spring break ticket all right so I can so let me just change these to the proper title this is household pantry which is this is like paper towels toilet tissue stuff like that and this is personal hygiene and that just is okay all right so Wow okay so Commission in child support Apple iTunes these categories are non-negotiable Spring Break ticket non-negotiable so I have if I put zero dollars for clothing personal hygiene and household pantry that is $80 but that still doesn't give me my 1:35 that I need I take that if I take off my hosting that's $95 I still don't have what I need okay she's stressful it's very stressful so because the mistake that I made last month was not giving myself anything for personal hygiene and then giving myself something when I made extra money and I want to just be honest and leave it the category in there spring is coming and I have winter clothes I need household pantry because I need just you know stuff because it's just not gonna be me I think it's different when it's just you because they're like you didn't cut deeper sacrifices so that could potentially be so what I'll definitely I can definitely take off the podcast hosting because I was already planning on opening up a separate business account and running a separate business budget so that that way I'm not home England my funds that's something that has been pointed out and something that I've noticed and yeah I've been wanting to do that title I'll take that $15 off of there and I won't renew my podcast hosting until I have set up my business account and that'll just give me a little bit of an incentive as well so that's a hundred and twenty dollars and 82 cents that I need now and and this is and the reason this is challenging because in my mind I'm like just take it from clothing personal hygiene pantry but what I want to be more so than anything is honest and I want some transition clothes for spring and I you know I want some moisturizer you know like there are some things that I want it I just need to be honest about whether or not I'm going to cut those things and as it stands right now like I don't want to like I don't like I don't want you um what are my options you know what all right I am going to 15-20 okay I'm gonna switch my personal hygiene to 29 18 so that that way I can have the $20 alright that way I can have that I'm only a hundred dollars over budget and what that $100 would serve would be for my CTA pass and what I'm gonna do is two things one if I make over the amount that I'm supposed to be making in my paycheck so let's say you know I get a payment from Google Adsense or you know a babysitter whatever if I make any extra money this month that I wasn't expecting to make I will cover that CTA pass but also what I'm gonna have to do is just accept the fact that if I can't get my CTA pass when it's time for it to renew that I'm going to walk to work and I and I live within walking distance I walked to work the other day I was like a beautiful day in spring and I may just have to do that until I can cover the expense to get that because the thing of it is is I'm gonna have the money in April but I just won't happen until that second pay period and that's this is the thing that like sort of sucks with like living paycheck-to-paycheck and trying to get ahead because I feel like if I if I take too much more from this budget I will never be able I it will be even more difficult for me to be able to get ahead and this budget is already so tight and you guys know that one of my emotional blind spots are not emotional but one of my financial blind spots is emotion my son is gonna be here and I just don't want to blow my entire budget because I'm suddenly emotional and like wrapped up and like yeah you know and I just feel like if I take anything else from this month that's what's gonna happen so that hundred dollars is but it's what I'm going to attach to my irregularly income spending if I make an extra hundred then I will go ahead and get my CTA pass if I don't I will walk to work for from the 1st through the 13th which I usually work 3 or 4 days a week so that's me walking for 4 days which is totally fine I love walking in real life I'm not just saying that because I may have to walk I really do love walking that's why I walk to work the other day so it's totally fine and then that way I don't have to take anything else for my budget but I do know that if I get it if I get the extra money that I can take care of it and yeah that's what I'm gonna do that's what I'm gonna do yeah that's what I'm gonna do so if you are following along I was stressful – it was stressful but it's okay still doing better than what I was doing before this was just a you know an error and this is how we correct those errors I hope for every single person who was following along and you were doing your budget that if you stumbled upon this prior to me recognizing this that you allocated your expenses that come out of the beginning of April for that paycheck that comes out in March my objective is to get to the point where I'm not living paycheck to paycheck so that that way I can actually the money that comes in during that month I can spend money for that month and the next month in the next month and I'm well on my way to do that and that's what me being current on my rent it's all about and now I see that there are a couple of their expenses that I can become current on as that I need to become current endure a month in advance on to support that so thank you so much for watching please let me know in the comments below if that's something that tripped you guys up if you get paid on a bi-weekly schedule how are you handling it do you feel like it's an extra check or do you feel like it's just an extra negative stress let me know in the comments below as always I deeply deeply deeply appreciate your support I cannot thank you guys enough for showing up for me and supporting me and giving me this opportunity to learn out loud in my best format possible I love you guys and I will talk to you all in the next video

Budget With Me (December 2018) | Zero Based Budget | Stacey Flowers

**Budget With Me (December 2018) | Zero Based Budget | Stacey Flowers**



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Budget with me (December)! This month’s zero-based budget shows how to budget on a low income. Dave Ramsey budgeting is a radical debt eliminating cash living plan to gain financial peace. Every tool in this video is from Dave Ramsey Financial Peace University. Budgeting your money is the single most important self-love habit to master. Dave Ramsey Baby Steps walk you through budgeting for beginners and learning how to budget and save money. Please remember to LIKE, SHARE, & SUBSCRIBE!

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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

How I Fell Back into $208,453.27 Debt (Part 1) //

How I Fell Back into $208,453.27 Debt (Part 2) //

My First Budget OCT. 2017//

My 2018 Financial Goals //

My Debt Snowball Update – March 2018 //

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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 filmed 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.
think we're life this is so interesting okay so let me thanks my camera okay so this is YouTube live I believe and this is my first Youtube live so please bear with me as I figure everything out um for those of you who are just joining me my name is Stacey flowers I am an international speaker I travel around the world inspiring people to create real happiness I also teach aspiring speakers how to enhance their speaking skills and level of it to become a professional speaker and I teach people like you how to create real happiness by inviting you on a journey of personal development in spiritual growth today I'm actually going to be doing my budget for December 2017 again if you don't know me I have been on this journey to repay a hundred percent of all of my debt and I've been doing it for three years I failed miserably at the top of this year and in an effort to unveil that I am going I'm trying to figure out the best way to document my process and so from so this is 2017 so I started in 2014 so 2014 to 2000 my overall debt okay from 2014 to 2017 my overall starting debt was one hundred and sixty three thousand and I paid off close to half of that and then at 2000 at the top of this year 2017 so at the top of 2017 I had paid off close to half of the hundred and sixty then at 2017 I got incredibly sick close my business like all of these just unexpected things happened and I fell off and I fell off in such a way that not only did I go back into debt but I went back into debt plus more than what I had before and so my current debt right now I probably should have written that down but I my paper where I wrote that down but my current debt right now is about two hundred and three thousand dollars and so this is the journey of me paying that off for those of you who are joining me from Instagram you know that before I my last two budgets I did on Instagram but Instagram I can't save my videos and I didn't want to save and convert to YouTube so moving forward we are going to do my live budgets using the Dave Ramsey forms right here on YouTube live now there must be a way for you guys to ask me questions and I do see people hide out checks show a live chat okay and I do see people in here so you guys are more than welcome to ask me questions it's really gonna be a walkthrough like I'm literally gonna like crunch the numbers and everything like right in front of you so just really kind of show you what it's like for me when I'm doing my budget every month this is December so this will be the last budget that I'm doing for 2017 and it's actually the third budget that I'm doing for 2017 I did not work for all of 2017 again because I was incredibly sick and unable to work whether it was working as an employee or having my own are working for my business I just mentally emotionally physically I was not able to do that so this is my third budget for 2017 and we're gonna get started now so alright so the budget forms for Dave Ramsey he has three I highly recommend them I love them actually that's not what I do first well yes so what I do first really when I'm doing my budget is I do a monthly review and I just answer one two three four five six seven eight nine I answered nine to ten questions before I actually go into my next month's budget but I'm not going to answer them here on the live because that's gonna be in a different video where I'm actually reviewing my November budget so with the budget forms that Dave Ramsey has as the first budget form which is your quick start budget let me bring that a little bit closer it's quick start budget it's one-page and the categories are charity savings housing utility food clothing transportation and personal so if you're familiar with Dave Ramsey his quick start budget essentially is an overview of his concept of the four walls and its concept of the four walls is that before you start paying off any debt whatsoever you need to make sure your four walls are intact and it's funny that their copper walls because it's really five categories I think I don't know what that's about but anyway your four walls are your food your shelter your clothing your transportation and your utilities and so you Mak that out on the quick start budget first so I'm gonna map that out on on my Quick Start budget here really really quickly so four so four tides I want to do 10% of my income I don't know what my income is going to be this month and so I'm going to do some projecting and I'm going to project based on and this is something new is last month I really wanted to find part-time employment I don't want to do full-time employment because my visit my business is viable I have very strong company I just did not have it set up in a way where if I was sick that you know it wouldn't work so my company has very high earning potential but I just needed to restructure it in a way where when I'm not working I'm still earning and that's something that I've concentrated on this last quarter and so you'll see those changes in 2018 and so I didn't need full-time employment what I needed was part-time employment to just sort of make sure that I could manage my four walls and so I found part-time employment that part-time employment will probably pay me about eight hundred to a thousand dollars a month which I'm comfortable with that so for the quickstart budget I am going to plan tithing off of just the part-time employment not my projected business income because I don't actually have a projection of earning business income like payouts in month of December so we're gonna we're gonna do 800 for the total income for December we're gonna just put that here at the top it's within my tithe off of the 800 would be $80 so we'll put that in here I need then the next category is saving so I want to fund my emergency fund and in the Dave Ramsey program if you make $20,000 unless your emergency fund starts at $500 instead of a thousand dollars so baby step number one is to say for your emergency fund so at this time again my income is under $20,000 so my emergency fund will be $500 now as my business income as my projected business income actually becomes as my projected business revenue actually becomes profit which then turns into income this will change so based on the income that I know that I'm going to get with my part time job that is why I am a person who's under who's earning under $20,000 which is the reason why to start baby step 1 I'm going to only save $500 but you guys will see in the months to come that that will change so I'm gonna put down $500 and based on what I just wrote here that is my whole um $800 but we'll talk about like what the other stuff that I'm gonna do so that that I could have some more money my the next category is housing so my rent my monthly rent in a previous live I talked about how my I was when I first moved to Chicago was very unexpected I got sick so I was renting an air B&B and I had rented the air B&B for six weeks then I got sick and so I asked him for another month and they gave me another month and I couldn't I still couldn't leave I still wasn't well enough so then I asked for another month and I said wasn't well enough and so the third month I asked for another month and asked her if I could continue the lease until August and she said yes and so by June or June or July I was like okay I'm just gonna continue until the end of the year so I continued it until the end of the year and so we weren't technically on a full-blown sublease we were more sort of in like a verbal sort of a contra subleasing sort of situation and so that total because I was kind of renting it through Airbnb for my rent for my utilities and for my internet so it was ripped for a 2-bedroom 2-bath Chicago apartment internet and heat water and gas the total was $1,050 and so to help manage that because again I just started working I got a roommate and so she will cover half of those expenses so my rent budget amount is going to be five hundred and seventy-five dollars for this month right now speaking to that roommate I anticipate that she'll be around for about a quarter which will work as I'm sort of stabilizing for the year 2018 but my rent is going to be five seventy five but again you guys will see that change because obviously when I'm when I'm no longer having a roommate I'll just have that expense on my own then I don't have electricity or gas or water again or internet because that is tied into this total amount that she was charging me for my phone you guys know that I have my phone through Virgin Mobile I can't show you because I'm on it right now but does not have my phone through Virgin Mobile it is the iPhone 6 I think and my phone bill is for it's $45 a month with like taxes and fees it's like $48 so I'll put that under my utilities groceries for this month I did not awesome last month but we'll talk about that in my budget review so groceries for this month I don't have a lot of pantry things you know I actually what I want to do this month is I want to set up my pantry so I want to really do some bulk shopping so I'm actually gonna do 150 because I'm making more things from scratch and in me making things from scratch it it winds up being less expensive but that initial expense is sort of high so I'll do 150 there clothing I still need a winter coat so who I need to put a winter coat on here I need to get shoes for the new job that I have so let's say that that and then I just need like some sweaters and stuff like I have enough dinner but I need some some sort of like wintery clothes so which 50 so that's about so I'll do about 300 there and then the same thing for my son I'll do about 300 for his stuff as well well help me for the winter for transportation many of you know I talked about this a couple of times and alive but I hadn't been paying my car note so at the top of November my car was repossessed and so in my November review I will talk a lot more about how I feel about that etc but I no longer have car note gas and insurance and so my transportation costs are the cost of a monthly transportation card which for Chicago they have great public transportation so it's $100 a month so that category I will just put $100 and then for personal I don't have my life insurance is not back up yet I will have life insurance for my son and the life insurance is for me just in case something happens to me for my son that will be active at the top of the year my health insurance I don't have health insurance right now but I do go to a therapist once a week and the fee is 70 dollars a week and so that is times four to 80 yes to eight yes to 80 so I'll put that under my health insurance cost because that's what it is right now then there I don't have disability insurance don't have child care expenses entertainment expenses I don't have that and then my current business expense right now is $15 and that manages my that manages my hosting services for my podcast if you are not listening to my podcast you totally should it is the Stacey flowers podcast and you can listen to that on itunes so if you are not listening you totally shall listen it's amazing like all the people who are listening and who are like DM and we the way this podcast is making them feel and how it's inspiring them like I heart you guys I love you I appreciate you so much thank you thank you thank you so that is my only business expense for the month so I will put that here so then I just need to add up all of this that is why don't I never bring out a calculator which doesn't really make a lot of sense so it's 580 but again you guys are seeing me do this real-time and a part of the reason why I wanted you guys to see this is because I think people don't I hope you guys can hear me I think people don't do a budget because it actually takes work and people want it not to take work but I just want to show you guys that it takes work and I have done this particular budgeting form for so prior to these last three months I did it for two years so I'm moving through it a lot faster but the first time I did the Dave Ramsey budget forms it took me like three hours like the first time I took I did it because I didn't really understand it but now I understand it much better so it takes me a little less time still takes me a minute but a little less time 13:53 plus 603 eight or so my total expenses for the month of December are two thousand three hundred and forty eight dollars so as you can see already my budget is over because my projected income is only eight hundred dollars so the way that I plan to make up for that I do have some plans to sell some things some some of my possessions to see if I can earn some money that way I'm going to try to see if I'm not going to try gonna sell some of my possessions and I'm going to do some services some really quick and easy services to try to fill in the gap for that two thousand three hundred and forty eight dollars so that that way I can get everything that I need to get this month however in the event that I don't when we do the allocated spending which is the third Dave Ramsey form you will see how I plan to allocate the $800 that is like guaranteed minus the other money that I plan on earning through selling some things and providing some quick services so I did my Quick Start budget the next budget form and again you guys can ask any questions that you have the next budget forms are the monthly cash flow and so this is just sort of you parsing out how your money is going to go out and where it's going to go gives you a little bit more detail so like under the grocery budget I put a hundred and fifty on the cash flow it can go to groceries or restaurant like how am I really going to divide that out is what that looks like so under my tides I'm gonna put 80 in my tithe and from the items that I'm selling I'm not going to tithe off of items that I'm selling because those are items that I've already purchased and I tied on the money prior to purchasing them if that makes it so like if I bought this out of my paycheck then I've already took tide right so even though that's income it's not it's for me it's not income in this regard it's through the sale so there I'm not going to tithe off things that I sell but through the services things that I own that I through the services that I sell this month I will time off of that so that amount potentially will go up so you have to come back and see the budget review that I'll put up to see if it goes up so or see what it goes up to so that will be 80 my emergency fund I want to replenish that at $500 that I'm planning to replenish from the sale of items if that makes sense so then so 80 so total minus 800 that leads to meet with 920 then I'm still gonna put 920 here because this is going to come from the sale of items then from my my rent for the month – 920 so three so then I have okay you don't have any of those other things that I have my phone bill that's gonna come out 48 and this I think the cash flow budget form is the one that people love to skip over cuz it seems like it's redundant it just seems like it's a replay of the QuickStart budget but it's not because you get a little bit more in depth with the calc categories and it includes your debt payments that you plan on making so cuz if you notice with the two thousand three hundred and forty eight dollars nothing in there was me paying debt transportation alright so then the front page is all filled out then I have my insurances so then my toiletries this is something that I'll probably talk about in another video like the toiletry changes that I'm making so I'm wanting to go organic and more green and save money and so I'm going to be making an investments in those toiletries but that's going to be a separate YouTube video where you guys can see what all of those items are and so for those toiletries up front I believe it's going to be about a hundred bucks cosmetics and hair care a hundred bucks their education and tuition none books supplies child support you guys do know that I have a child he lives full-time with his father my income is very low but I try very hard to send something so once that number goes up obviously that number will go up but based on what I can send I will take twenty five dollars out of my guaranteed money and that's not and I I feel like the money that I spend on like clothes and stuff that I'm and I'm hoping anticipating to spend on clothes and stuff for my son that's different than the child support that I would actually send so even if I was at my full earning potential cuz right now I'm at like like 10% of my earnings potential but again I'm just getting started again so but right now I'm at ten person my earning potential but even out of my 10% I want to give something to my son's father but when I'm at a hundred percent of my earning potential and I'm buying clothes for my son I'm not going to reduce the amount of child support that I'm sending to him because I feel like child support is just that it's child support like yes my son has room here in my home yes my son you know when he comes to visit he has access blah blah blah but his father is the one that is providing for him every single day and for that reason I'm going to send him additional funds to support and do the other parts of taking care of my son so if you guys want we can do a whole video about that but again and I and another reason why I'm documenting it from here is because this is gonna move fast right like some of you guys are gonna start with me right now where I have nothing I don't have and when I say I have nothing I mean I don't have any income I don't have prospects I don't the my capacity to pay off two hundred two hundred plus thousand dollars is how is she going to do that like we're literally in no-man's land like it literally seems impossible but I want to show you guys what I do to move from something that's impossible to something that's possible because showing you guys the end or even showing you guys the middle some of you guys aren't going to believe it so some of these videos are as much for me as they are for you because I think that even before when I was paying it off people were like how and it's just like sometimes you cannot explain the how you just need to get started and the how will show up and but sometimes also the how is so dramatic and drastic that unless you have documentation that says this is where you begin you won't believe you and you'll forget that this is where you begin and so even with the situation with the child support like it's embarrassing it's it's it's embarrassing it's humiliating it's I am too old and my son is too old for me to only be able to afford to send $25 in the month of December for child support it's embarrassing it's humiliating but it is also the truth it is it is it is in the words of JK Rowling it is the rock bottom is a foundation for which to rebuild it in and this is a version of rock bottom like me not being able to take care of my child in any financial capacity is a form of rock bottom especially coming from where I came from but in order for me to do it properly I am using the the how Kamiya of transparency I'm using the alchemy of setting intentions I'm using the alchemy of consistency to do that and you are are reaping the benefit of catching me while I'm doing it now because I promise you it's gonna go so fast that people are going there not if there wasn't a timestamp on this you're not gonna believe that this is where where it started but I just I want you guys to see that no matter where you're starting from just get started and just keep going right and this for me is a restart right and probably in 2018 I'll probably stop talking about it as a restart but it really is a restart but any who does so yeah so $25 for child support no alimony no subscriptions no organizational dues gifts for Christmas I'm not giving out Christmas gifts this year I've already made this decision and I'm not gonna feel guilty about it because again I only have enough money to send my son for child support $25 who would I be to be trying to send gifts to other people family friends in general when I cannot actually support my child it doesn't make any sense but getting this down on paper this is the other reason why you want to do a handwritten budget getting it down on paper helps you to see helps to give you confidence and conviction about those decisions that defy the cultural norm because some people are going to be upset some people are gonna say it's ridiculous some people are gonna say figure it out some people some people are gonna have a lot to say but seeing my numbers here is gonna rain all that in I don't care what you think I can only send 20 five dollars to support my child this month so I am not buying Christmas gifts right see how that fixes that whole issue and most people just don't write stuff down enough to get to get honest with themselves so that they can say oh the reason why I'm not doing this is because of this the reason why I'm not gonna buy anything to show people how to prove to people how much I love them is because I am not honoring my responsibility as a mother right now and if you cannot be supportive and understanding and okay with that then we need to make some adjustments in your relationship that you have with me because this isn't gonna work long-term that makes sense so no Christmas gifts no replacement furniture I'm not doing this this month but if you listen to my budget review that I'm gonna have a November I'll talk about my sinking funds no packing money for myself I'm gonna give myself about like ten dollars in pocket money just some change for like snacks and stuff been snacking a lot pet supplies so I do have a dog he doesn't need any supplies right now so actually you know what food so food for him is $25 see that's that's even just writing that down just hurt all of my feelings alright so I will not spend the same amount on my dog that I spend on my child so it cost $25 to feed my dog then I'm going to have to figure out a way to send more to my child because I don't need a dog I've won a dog he's wonderful he's amazing but I will not be that person who takes better care of my animals than I do my child just because my animal is with me and my child it's not physically in my presence because I do think that that does have a lot to do with it but even if I have to do something else and the reason these two categories again they're gonna come from that $800 that's guaranteed so we'll do I know my dog food is $25 and then I'll send 75 to my son's father but again here's a here's a point this is right write it down because writing it down helps you to see what you're actually doing because I take no thought of behind food for this dog and I took no thought of what not to take that I felt I thought about it I experienced the embarrassment of only being able to send $25 to my son's father but the truth of the matter is if I didn't have a dog then I could send 50 so you need to figure that out does that make sense I'm hoping that that makes sense so yeah we'll change that to 75 for child support no music no miscellaneous and then my business expense has to go in there at $15 so that's 25 50 250 325 325 no entertainment no vacations I don't have a car payment and again I'll talk about I didn't see your name but I saw your comment thank you so much I saw your comment you said you're so inspiring but I couldn't read your name but thank you so I don't have a car payment but again in my budget review of November I will talk about what that means what that looks like etc I have what I am considering two credit cards I have an Amazon visa oh but I guess I'm not I'm not paying any of that so I don't have to actually write that in right now I'm not paying anything on my credit card I'm not paying anything on my student loan and I'm not I'm not okay I'm not paying any debts this month and that was the point of that whole thing so I'm not paying any debts so then what's supposed to happen with the cash flow is your income minus your expenses is supposed to equal zero we know that that's not going to happen from this particular budget of mine simply because I have not sold the items that I anticipate selling but what I want to equal zero and what I'm actually going to plot on the allocate is spending is the $800 part-time income that I know that it's going to come in so I'm going to map that out now to make sure that that comes out to the 0 so we have $800 – $80 equals 720 720 – 575 is 245 245 – 48 15 minus 8 is 7 13 minus 4 is 9 equals 197 197 – hello dear how are you 197 – 150 okay so what I'm gonna have to do I may have 197 and left so we're gonna have to change out my grocery budget so I'm gonna have to change out my grocery budget just to make sure that I can guarantee that I can actually buy some food so that'll be 197 minus 50 and then if I have some extra left over I'll do the bulk shopping at 100 again this is the reason why you write it down because you see how am I going yeah hundred fifty write this down write this down but as you actually add up the numbers it changes so 197 so then that leaves me with 447 or 147 so then we'll carry the 147 over to my back page so 147 minus 75 which will be for child support which leaves me with one let's see 13 minus 7 is 5 that's 12 6 leaves me with $62 and then so we have 62 minus $25 12:7 537 dollars – $10 pocket money which leaves me with seven $27 – the $15 business expense leaves me with two twelve dollars ok so I have twelve dollars left over so I'm gonna take that twelve dollars that's leftover and put it into my food budget so that gives me $62 food budget so that way my actual money that I know that I am gonna earn from my part-time job and the budget that I did actually adds up to zero me – Bertha dukes would it what is me to me if you can just I didn't see your other comment my head was down I don't know why it doesn't stay on the you know why it doesn't stay on here cuz you're not Facebook live and you know what since I can't be expected Facebook thing from YouTube I apologize you – yeah birthday you could rewrite that in there I didn't see your comment but yeah so now my monthly cash flow based on the $800 that I anticipate earning from a part-time job equals zero based on that $800 the things that I am going to be able to take care of oh thank you for saying that it's inspiring I'm so happy so happy for you guys to join me on the journey so what I'm going to pay with the $800 are my tithes I always pay my tithes no matter what my rents which again it's half because I have a roommate my car my cell phone bill sixty two dollars in groceries child support pet supplies pocket money business expense those are going to be the things now again there are other things that I would like to purchase that again through the items that I'm selling and then the quick the quick exchange business services that I'm going to do like consulting they'll just call the consulting services the quick consulting services that I'm going to do in the month of December I anticipate being able to you're not saying okay I anticipate being able to take care of those things so Dave Ramsey has another form that for it for that right because you're like okay well how do you keep track of that how do you know what you're going to spend on so his other form that he has for that is irregular income painting so again the things that I plan on selling and the consulting sort of things that particular income so let's figure out what I'm hoping to do in that that's eight or thirteen five so what I need an additional income is fifteen hundred and forty eight dollars now the question is is if I win not if when when I get that fifteen hundred and forty eight dollars what order am I going to take care of these other things that I need to take care of right and so I can tell you right now the first thing that I'm going to do is find my emergency fund and that's five hundred dollars so mine is that will put me at 1048 the second thing that I'm gonna do is get me a coat and winter clothes and more winter clothes for my son so that is so I'm gonna do us 150 and 150 so even though we get 300 dollars each the first 150 that I make over I'm gonna get myself a cup the second 150 that I coat and some shoes the second 150 that I make over I'm going to get my son some Club does that make sense to add up to the 150 so it'll be four lines for that so adults 150 son 150 adults 150 son 150 all right so then after I do that after I take care of those the next things that I'll take care of our my expenses for therapy I'm going to go to therapy no matter what that is something that monthly I do charge on my credit card which you're not supposed to do that according to the Dave Ramsey plan and I'm I'm being transparent with you guys because again I want you to understand that in no way shape or form is it perfect it's not like I thank you Pamela I'm so happy that the transparency has helped you in no way shape or form and I saying that I'm perfect am I saying that I'm doing a right I want to get back to where I was I am trying to figure out how to do that I don't exactly know how to do that because again so much that happened this year was unexpected and the best way that I know how is to express it through these videos and because for me I learned I learned this year that I healed through talking which is really amazing that that's also a part of my purpose but is it's a part of me doing it through these videos but a part of me also being a hundred percent honest in these videos as well and so every single month my therapy appointment goes on a credit card and I figure out how to pay that off now obviously that's not good but I don't have medical insurance right now and I have not figured out how to do that and again I'm three months in to starting over and I'm doing well for myself so far first month well I'll talk about what I did the first couple of months and how it's getting better but but yeah so I just want to put that out there so it's going to go on a credit card so I can go during the week but I want to pay that off at the end of the month so I'll put the 280 would be the next thing that I do then after therapy is paid off I will get my toiletries and the reason why the toiletries can wait is because I still have toiletries I just again want to switch over to green and organic and cost savings but if I can't afford to do it this month and it's fine cosmetics will be the next thing and then and then the rest of the food budget for bulk food items which one – that's 8 for a so that leaves me 88 because I'm taking some of that out of the budget so so that's the way that your regular spending so I know for sure for the month of December that I'm gonna earn $800 and in the earning $800 I'm going to be able to pay my tithes I'm gonna be able to pay my rent my phone bill food transportation child support pocket money pet supplies business expenses I know a hundred percent for sure that those four walls if you will will be taken care of as I make sales of different things that I'm gonna sell around my home and I provide these consulting these quick consulting services the additional fifteen hundred and forty eight dollars in order will go five hundred dollars to my emergency fund first one hundred and fifty dollars to I'm not being honest it won't go to five five $400 I will at least do I want to do my full emergency fund so I'm hoping I really want to get that fully funded but I will be honest with you if I have $500 in my emergency fund I will take some of that to get a winter coat and change my shoes because it's cold outside I live in Chicago and I need to change my shoes for the part-time job that I have so first 500 will go to that emergency fund hopefully I make the sales in such a way that it's a bulk amount of money that I have and then that way I don't have to take it out of the emergency fund but maybe I'll do 250 then get my shoes and coat and then go back and do the 250 then I'll do more winter clothes for my son then I'll do clothes again for myself son and then I'll pay off my therapy then I'll get my toiletries then I'll do my cosmetics and then I'll do my food so that is my regular spending and there's a plan for that as well so there's no like oh I got an extra $300 I don't know what to do with it no I know exactly what to do with that you're gonna put it in your emergency fund or you're gonna etcetera etc so then the last form the Dave Ramsey has is the allocated spending forms and these forms are the most tedious and like irritating ones to do because they're the most helpful but they're also the most tedious ones to do and it just looks like it looks like this and they're tedious because you're putting in your pay periods right and that's how people that's how you actually spend your money if you get paid every two weeks you actually start spending your money on the day that you get paid so he actually created a form where you say okay out of this pay period what am I gonna pay for so I will get five checks this month because I get paid every Friday at this part-time job so I received one of my paychecks on December 1st so last Friday and that net income was 141 14 and I could just tell you guys the part-time job I'm making $11 an hour so to kind of calculate what $11 an hour 20 hours a week is what it is and so to calculate sort of what I would take home I usually just do times 9 d so taxes FICA all that stuff will come out so I'll do times nine fifty times ten dollars to kind of calculate what it'll be these are the first checks that I'm getting so obviously once I become regular I don't know exactly after taxes what 20 hours a week will be but the fourth one 4114 that was for like fourteen point five hours or something like that so I'll write that in the first column for December so out of the 141 fourteen I have not cashed that check yet just and and that in part I just did because I don't want it to burn a hole in my pocket because a lot of people when they let me know talk about people let me talk about me I am used to making way more money than that and if I cash it and I have a hundred and forty-one dollars and fourteen cents in my hand I do not want to treat that like it's chump change because in my normal life where I'm healthy and earning out a hundred percent that's chump change but in my reality and in my current state that is not chump change in every single one of those pennies matters and it matters not just because I'm over I'm over two hundred thousand dollars in debt but it also matters because this is the beginning of me earning income if that makes sense so I intentionally did not cash it yet because I don't want that feeling of oh it's just chump change you can make this you can it's fine just spend I don't want that feeling I rather take that and then the check that I'll get this Friday and take it to the bank so it seems like a larger amount because again I just have to retrain my brain to once they see you're not earning a crap ton of money anymore – you don't have provision anymore you know I mean no I can't say that I don't have it but the provision that was there it's not there anymore I do you know there is support but it's not there anymore so I don't I just have to retrain myself to live within my means and live within this reality although I'm not necessarily a person who really deals in reality like that sounded bad I'm a type of person who believes my potential and I'm usually able to reach my potential quickly so it doesn't take me a long time to go from nothing to something however getting sick this year I have to honor my body I have to honor my mental capacity I have to honor different systems that I probably did not consider in years past but moving forward I have to honor them and so in an effort to honor them it is showing respect for every dollar even the dollar amounts that in theory are not allowed this is a lot of money so I have not spent any of that money yet and I will put it in the bank with the cheque that I get next week so but in terms of allocating the spending of the gross on that was fifty three dollars or a hundred and fifty three dollars so the tithe out of that is going to be fifteen dollars it won't go into any savings it won't go in it won't from the one 4114 technically it won't go from the rent or mortgage because actually no let me let me go ahead and take that so then I will take one hundred of that for my rent and mortgage so I have oops 115 so 15 minus 141 you know what would be awesome is if I had a calculator so I don't have a calculator let me see if I can pull one up on my computer make sure I'm still in the frame sorry guys all right let's see let's see let's see all right so we have one for one point 14 – 15 dollars equals 126 and again this one I like it because it shows you what's left over so 126 then minus the hundred dollars that I'm going to put towards my my rent leaves me with 26 dollars and 14 cents so that 26 dollars and 14 since I am going to put on groceries and that leaves me with zero so you see how for that pay period three different sections money has gone out and now I'm a zero so then I'm done Marva you're from Joliet Illinois oh nice you're right around the corner you should come to the ultimate vision board party I'm having it Thursday January 4th I'm here in Chicago just go to eventbrite.com and search Stacey flowers Inc or the ultimate vision board party you should you should drive in and come it will be amazing and then we can see each other live hug each other and hang out so so that's for that particular pay period the next date I'm gonna need to pull up a calendar my next pay period is going to be I'm actually not going to be able to fill it out because I don't know how many hours I have for each pay period but what I will make sure that I do I'm going to continue that across the page but what I will make sure that I do for you all who are watching this now is I will in the budget review that I do for next month I will make sure that I show you guys where I a located the rest of the $800 because I can't really do it because I don't know what those numbers are gonna be able but yeah so that is my December 2017 budget so far so do you guys have any questions while you're thinking of questions to type I just wanted to kind of again give a little bit of a review and this is as much for you as it is for me my first to live budgets that I did I did them on Instagram live so they were deleted so that the documentation wasn't there but I just want to make sure that the documentation is in this one so the first budget that I did for the year of 2017 was in October and I did that budget in October what's that October was it September well that's why it's good to have a budget binder okay yes it was October I did that budget in October and I had a projected income I wanted to earn $2,000 in the month of October and I met that goal in October I actually made over $2,000 I had a blessing someone had just sent me money via PayPal just to bless me my mom had given me money I earned money from my master class and then I also participated in a study like a like a trial a drug trial and so total for that month was two thousand three hundred and seventy-five dollars which was really awesome because that set me up to have a successful October November and December in with respect to I was able to pay my rent for October and my rent for November and get some of my other basic expenses taken care of because I had participated in the study and had that two thousand dollars to work with for the month of October excuse me for the month of November I did a budget again and I wanted I projected to earn $3,000 I did not earn that that will be in the budget review I did not earn that but I wanted to earn $3,000 and get a part-time job and and complete my budget the month of November I'll actually had that captured but big things that happened in November just for documentation sake is my car was repossessed and I else big that happened in November and yeah I think that was it in November so yeah so that's like good timestamp for me personally I don't see any questions so just want to say thank you guys I will be here next month I will always always always do budget live using the Dave Ramsey farms within the first week I'm gonna try to shoot for doing it on Thursday morning's or afternoons just because Thursday is a day that works for me it's gonna be my goal to get it up here on Thursday but also to just get information out to you guys so more of you guys can join if you have any questions please leave them in the comments below share this video with every single person that you know money has a huge huge huge impact on our levels of happiness and I want to my work the thing that I love doing is inspiring people to create real happiness and one of the ways that we can do that is if we build a community around you know one another that involves us talking about money and being 110 percent transparent with each other and I am willing to lead that movement by starting with my own finances so I love you guys so much thank you so much for supporting me and I will talk to you again just push the exit does anybody know how to stop it I don't want to delete it

Budget Report Card (FEB. 2018) | Every Dollar View | Dave Ramsey Style | Stacey Flowers

**Budget Report Card (FEB. 2018) | Every Dollar View | Dave Ramsey Style | Stacey Flowers**



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Budget Report Card February 2018! This month’s budget report card shows how to budget and save money. I’m using the Every Dollar software for tracking …