Me opening this video: “That sounds a lot like me….OMG IT IS ME!!!” Thank you so much Christine & Dave! I love y’all! 🤠

@roxpar1816

9 ай бұрын

That's awesome!!

@arthrodea

9 ай бұрын

How awesome!!! You are doing so good! I wish you all the best with your schooling and financial journey!

@dianasimplifies

9 ай бұрын

Great job!!!!❤

@jillgott6567

9 ай бұрын

You are doing a great job.

@SaraBudgetOrganized...ish...

9 ай бұрын

Great job! One thing I thought of was that maybe part of the "fun money" or the automated savings was for the categories mentioned on the second whiteboard. If so, make sure you keep some of them in your budget. Once again, great job and best of luck with your masters.

I just graduated college, bought a $30 dvd player and check out movies from the library. No subscriptions here!

I love that you finally looked at someone's budget who is just needing help with achieving goals.

Note to self: do not try and put my 3 month old son back to sleep, he WILL wake up just to watch Christine. Wasn’t sure about hubby, doesn’t hear him in the cooking/shopping videos we watch. But instant smile for Christine’s voice. He is cranky with me because I paused it to write this comment. Back to the video. Thanks for the video guys. Hello from South Australia 🇦🇺👋💕

I bet the ‘fun money’ was the haircuts and gifts- all the sinking funds items.

My boyfriend thought I needed a dozen roses and an expensive dinner. I have finally got it through his head if he has a choice between him getting me things and spending time with me I choose the time.

@stacyb6278

9 ай бұрын

I did the same thing 21 years ago (I’ve been married for a bit of time)…I have realized flowers and a lovely dinner are nice occasionally. 😂

Point of clarification: bonuses are WITHHELD on as supplemental income, which does mean that the withholding is higher than normal wages. When you file your taxes they are considered the same as any other regular wages and are taxed accordingly.

Thank you for doing this, Christine. I'm 58, but if I had had you when I was 26 I would have been in much better shape. As it is, I left work at 35 with no savings and a crushing amount of debt because my son was autistic but undiagnosed and I broke under the stress. People were calling me a bad parent and doctors were saying, "He's fine, it's just because he's your first and you don't know what to expect. Had I known, I would have hired some part-time help and gotten on with it. Now, living on a pastor's salary plus my disability retirement (I have fibro) , we are paying off $320 a month in debt and have barely enough for bills and will only have my disability plus a small amount of retirement income from my husband, to live on. Kudos to you for doing your part to make sure it doesn't happen to new generations.

Hooray! A larger whiteboard. Invest in some darker markers? So hard to see the red and green, especially for color blind people.

I used to sneak snacks into movies. However, in my area, you now have to have clear bags that are checked. It is very hard to sneak anything in. My husband and I plus the dog spend time walking every morning. We just enjoy the quiet, the sunrise, and the time together.

@JustNatasha93

6 ай бұрын

That’s when you stop going to the movies.

Once she meets her goals, she might consider putting at least part of retirement savings into a Roth IRA so her contributions can double as an emergency fund and retirement savings, AFTER taking advantage of the employer match which is essentially 100% return on investment BEFORE compound interest. Doing that allowed me to jump start both my retirement and emergency savings after a divorce and I still managed to retire at age 60.

That's some serious self-discipline for savings! Good job! One lesson I've learned with savings is to name every single dollar in your savings account, either in a written/digital budget or "buckets" if your bank offers that. Every time I look at our bank account I feel like we have a lot of money... which makes me comfortable with overspending. BUT, when I look at our written budget that names all of those dollars (car insurance premium, car insurance deductible, home insurance deductible, Job Loss Fund, Summer Road Trip, etc. ) then I don't feel like we have extra money and I don't overspend. It's a shift in mindset that makes a big difference!

Love your husband's shirt!

You two are great together! As a teacher who uses the dry erase board for every class, I recommend Expo markers all day. No other dry erase marker compares.

@jessann5581

9 ай бұрын

We have expo markers here in Australia. I’m teaching my kids to mark of their chores that they do when they get up and get ready for school and after school, I love them. Even my husband loves the brand.

Great headstart to her retirement

I was so concerned you were not doing these anymore! So glad you are still doing them. 🙂

I loved hearing your thought on this awesome budget. I wish all the good things for this young women. 😊

My hubby is 6'1 and fits fine in my Honda Civic. Driver or passenger front... definitely not the back.

I suggest we get some dark fat mum markers that are magnetic to the board. If children touch them no treats! Lol 😂 this was so much fun! Good luck to that smart woman! Getting on top of finances early!

Wish I would've had these videos 15 years ago!

I do like this one because the budget is positive, and responsible. I like the savings goals. Not everyone watching is in debt but we don't know what to put our money into, and need someone to look at it with fresh eyes and a different perspective.

Nice job picking up on missing expenses. Please note that bonuses are NOT taxed at a higher rate; the tax withholdings are higher. They are taxed the same as her regular income. It would be interesting to see what she typically receives as a tax refund. My guess is it is in the $1,000s. If so, I recommend reducing her withholdings by completing a new W-4 so her refund is closer to $0. This way she has access to her money all year long instead of a forced, interest free loan to the IRS.

I love these budget breakdowns. Please dark blue or black markers.

Yes!!! I’m so glad to see one of these again. The budget breakdowns are my favorite!

College increases like 20% per year and has been going up annually… so unfortunately $15k per year is a cheap school

Get bigger markers and put them in a box/bag of something the kids don't like.

Ha I’m 6 feet tall and love my VW TIGUAN. Great SUV.

The bonus tax is insane. My husband and I just expect his bonus to only be about 60% of the actual total.

@Sahmgirl

9 ай бұрын

Yes!! My hisband gets a bonus every year & Uncle Sam keeps half! I told my hubs, I'd rather they paid him more salary & dropped the bonus.

@dianasimplifies

9 ай бұрын

@@Sahmgirlsame here!!!! Always wishing for just a simple yearly raise!!!

@capturedbyannamarie

7 ай бұрын

Same it’s so sad how much they take

Always a pleasure to see these budget breakdowns and have you weigh in on things as someone who has lived the experience and continues to do so. Always great to have Dave's thoughts on things as well! It does not resonate with a lot of us that there was entertainment money because with large families and low-paying jobs, entertainment was playing outside or perhaps going to a movie once in a while but mostly just hanging out with family and friends!!!😂🎉 It wasn't as boring as it sounds

You always upload videos when I need them. 😊 I watch your videos while I'm on my exercise bike. So you inspire me to exercise more

Love the budget breakdowns! Maybe need bigger numbers or a darker marker?

I love the series! Six two here and definitely female!😀

I know you're working out the kinks but I absolutely LOVE LOVE LOVE these budget breakdowns. When you're open to receiving more I might send in mine. I just started DR (per your recommendation) and would love to hear your feedback

I am a six foot tall female with a 37" inseam for pants. My husband is 6'2". We have five daughters. Our eleven year old is 5'10" and wears a size 8 women's shoe 😲

@kimtapp5677

9 ай бұрын

My 11yo daughter is just over 5 feet but size 9.5 women's shoe 😂. I think she may pass me (size 10)!

@vlmellody51

9 ай бұрын

I'm only 5'3", but I have a 28-inch inseam. My son, however, is 6'4", and his inseam is only 2 inches longer than mine.

@servantwarrior880

9 ай бұрын

@@vlmellody51 isn't that so interesting. My 6'2" husband has a 33" inseam.

❤ the budget breakdowns keep them coming 😊

i emailed you a few months ago and filled out the budget request form on your website and never heard back. Hope you can get through everyone who wanted a budget review

My bonuses in CA are taxed at 41% 😭💔

As a 5‘11 tall woman, I feel this 😂 however, there are plenty of non-SUVs suitable for this height - or else a lot of men would struggle, too. Thank you for another great episode! God bless you and your family!

I’m a highly unusual 6ft2 woman 😜. Every day at least one person points out how tall I am!

@dianasimplifies

9 ай бұрын

I know some very tall women! ❤❤❤

Best Lighting If You Use A Whiteboard Or Screen Move the lights to the side. The simplest and most obvious is to move your lights from directly in front, to the sides. ... Tilt the screen. ... Use a camera rather than your webcam

$250/month for food?! What do they eat? We eat a lot of rice and beans in my household of 4 (2 young kids), and our food budget is easily 4X that. What am I doing wrong?

@arthrodea

9 ай бұрын

They also have $350 for fun money- that may include eating out. Also her partner probably buys some food which doesn’t factor into that budget - that $250 is what she spends

Are you still doing these budget breakdowns? Ifvso they are not coming up on my fb

Where can I get the red t-shirt?

If I wanted to be featured how would I go about that? Id love for you and Dave to break down my budget!

@mollyb8136

9 ай бұрын

I think you email her 😊 you gotta live in the states though 👍

❤❤❤

I would love to submit my budget and get your input and advice. I think i am doing good but a fresh set out eyes would be great!where can I submit it? TIA

PS, I'm Canadian.

Darker color ink, please

Are you accepting budgets currently?

Biggest thing she should do is get married! Love these budget breakdowns.