New sub :) would much rather watch someone who is real then someone who has the “perfect budget” ❤

@amandam6069

9 ай бұрын

Also laughing at the undergarments comment- girl I’m wearing the same ones I’ve had for prob 8 years 😂 should I be replacing them every year???? Now I feel like I need a poll 😂

Thanks for all your vulnerability in sharing this, I probably wouldn't be able to take the criticism as well as you have lol! Cutting out unnecessary spending is a great start...personally I get all my workout clothes from Goodwill - SO much of that stuff is almost brand new! And I just sweat in it anyway!

You were all over the place. It was a scattered mess. Not quite sure, maybe, idk, I think but we will see…I enjoyed every minute of it. This is exactly how I’ve spent the last week tryna get it together gathering and organizing and calculating and computing. It’s been a scattered mess over here but I’m getting a clearer and clearer picture. I won’t be able to work my plan full throttle until January but I’m a little more clear on what it will look like. I GENUINELY appreciate this video. Most of the others are extremely organized and doing a lot of neat teaching and well-packaged explaining. It felt unattainable for me because I’m just not THAT way but I was committed to figuring it out. Ur video was proof that the others started somewhere too but they didn’t show that part! 🙌🏽

@JanetKB

7 ай бұрын

We all have to start from somewhere. I feel like I’m starting from the bottom but slowly crawling myself out of this hole. I’m taking small steps everyday and already feel more empowered to take this on! I’m so ready for the New Year!

I think the best part about Dave Ramsey is that these are baby steps! Deciding to not buy another planner is a baby step and a huge one in the right direction! Also I think it’s great to keep the cleaning lady if it allows you more time w your son 😊

@frankvonfrauner

6 ай бұрын

Lol

You said something like - we don't have the poverty mindset and we aren’t willing to do rice and beans. Willing to sacrifice is not a poverty mindset, it is a goal and wealth mindset. Because sacrificing for the short term will be preparing you for long term wealth.

I would definitely start sinking funds or you’ll continue being short. I learned that for us. Definitely need a grocery list & budget. I totally used to buy whatever @ the grocery store not anymore. New Subscriber I got this 😊❤ Great job on your not buying decisions. You always add those items to Christmas/Birthday

New subscriber, ma’am give yourself grace. You are making major lifestyle changes. It’s not going to be perfect-it’s going to take a few tries and you’ll find as you go along, you’ll make more cuts and changes. Keep saying it all out loud and you’ll get it down. You’re definitely doing a great job, keep up the great work! Looking forward to your journey.

The first step to healing is admitting you have a problem ❤️

You are trying and that’s great. I’m much older than you and still have debt. Life is life. You have to live it. Just do the best you can.

God love ya! Bless you for being strong and making yourself vulnerable and sharing your reality with us all! I’m just beginning my own journey to being debt free, so I very much feel your pain and your struggle. Hang in there, friend! You can do this!

@JanetKB

7 ай бұрын

Thank you! We got this! Good luck on your journey!

I love your transparency about your budget and life. Thanks for sharing.

Hello again :) I’m so very glad you did not buy “another budget planner”. It’s funny but so many of us go through that every new year I think. We all want all the planners! We have the same budget mom planner so glad your sticking with this one! I am 100% a planner girl as well! I Love your honest vulnerability! I have always believed you have to be humble to make changes! As another subscriber said “give yourself Grace!” We are all in this boat together friend

Remember to write down in “thoughts” area so don’t forget the things you said you are going to change. Your brave and inspiring me so much!, Give yourself grace always. Arlene (Miami)

Along with budgeting, cleaning and organizing my house keeps me from wanting to go shopping and spend money. The more i declutter the less i want to buy.

This journey began as a debt journey; remember to remember that. You are currently upsetting the apple cart with some significant fiscal organization and reorganization (ie a written budget, the joint bill account) while at the same time eliminating a reasonable number of bill type expenses (some of the subscriptions, reducing the maid service, working towards paying some bills annually rather than monthly) and variable spending (planners, leggings, etc..). In this process you are returning money to the budget enabling it to be reallocated for other purposes. If you can, try to estimate the savings sum (the number of dollars returned to the budget from at least the bills) and line item that amount as "extra debt payment" in your written budget. All too often savings end up back in the general spending stream..

Thank you for sharing your journey with us. You have made several changes to budget and lifestyle. We are here to cheer you on and not judge. I think the new bank account will help. Remember this is YOUR journey.

Please start watching some frugal living, decluttering, minimalist, and zero waste channels. You may, or may not, put a feather in your cap and charge foreward in any one category or any one channel. Watching some of these channels will give you some exposure to other ways of spending and saving money, give you some understanding to additional perspectives and approaches to the things one buys, and maybe even give you some tips and tricks.

For of all your office is gorgeous and I need that green built-in book case. 😍Love how real you are. I started budgeting in June and I still feel like I'm not teaching anyone through my videos how to budget. I'm just showing how I'm getting by lol. I bought the digital version of this workbook and I'm so tired of printing everything out. I wanted to buy a planner but that's also too much for me so I'm literally only printing out the calendars and the budget breakdown page. Nothing else. I have to make this process as easy as possible for me.

Magic month. Where you have an extra paycheck 🎉

Ive come back for some comments about meal planning. First, the meal planner is a tool you own, you use (or dont), and you make up the rules for. It is not a grid of unfulfilled shame nor a whip to be used when you don't follow it according to someone else's rules. AND exactly how you use it is likeky to change over time as yoir scheduke, time demands, eating emphasis change; at least if it is to remain a tool and not a rule. Persinally i like grids which are 7 across and 3 down. I like to leave a narrow column on the right to add needed grocery items; this makes 8 columns, 7 for meals and a narrow one which is one word wide. I like to add a narrow row across the bottom about 3 lines high; this translates into three meals plus some space for important preps like "meat from freezer", "dice onion 3 meals (worth)". When im coming back to meal planning and when im busy, i decide which meal is my focus meal and onjynoit an emohasis on that meal. In times past that has been breakfast becajse getting out the door was a chaotic hell. In timesmoast it jas been munch because we had 2 who had to take lunch and one where buying lunch was expensive; and yes i often cooked for lunch and leftmovers were dinner at that time. When i dont have pressing meals, i pick dinner. Often i begin planning only a couple of dinners per week and seldom 2 in a row except for my day(s) off. My schedule is the first priority; if you dont get home until 6PM, ypu dont want a meal thst takes 3 hours to get to the table. I ususally have stuff in the fridge, pantry, and freezer and i begin with the peridhables resdy to go bad. Then i write down the weekly sales and go from there. - When you're starting out, its a good thing yo hsve a quick fall back meal or few. My biggest meal plan buster is forgetting to take something out of the freezer. Evennif ypu only plannone meal a week, it is a start. Give yourself permission to only pre-plan 1 to three 3 days ahead too.

Exactly. You nailed it. You get an adrenaline rush of saratonin which makes you feel good and then you head into depression from the buyer's remorse. Therapy would help you not the budgeting. For your budget you need to sell that car and get rid of the unnecessary things. Pelaton. Getting you nails done. You get it.

Please consider this a journey internally and externally. A journey implies a learning curve, it enables changes in approach, and more.

I am too. I just love to spend money. It makes me feel important. I know it feeds a deeper need.

Absolutely love your content - thanks for transparency

Please don't feel like you need to become someone else to please people on social media. Each person has its own path. Progress over perfection any day. Thanks for sharing and you got this ❤

Hiya, new subbie here 👋🏼. Absolutely get the shopaholic and planners obsession. Joint accounts in my opinion work far better, cause less resentment as "he doesn't give me money or she pays for nothing" etc. keep it all together and pay everything out together. Looking forward to following your journey xx

You have to remember that some things might cost money, but the amount of time it saves you to pay to get them done is more valuable. Like the housekeeper. You have a young baby. If you only have the weekend to spend quality time as a family because you work, and you spend a whole day cleaning, you lose that time with your son and husband, which would be more valuable that what you pay. Unless your housekeeper costs are super high.

Just an idea, but it looks like you have a bunch of different colored pens. You could do different categories in different colors that way if you wanted. Best of luck to you!

Consider creating a pen and paper list of the the things you need to buy, think you need to buy, and want to buy. An example would be a pack of highlighters. Maybe you come across a bag, pair of shoes, costume jewlery, planner, or some other thing you need, believe you need, or want. At the end of the next budgeting session (by week, paycheck, or by month) pull out and review your list then purposefully buy.

My predjudice is that in addition to "...probably 50 pairs of leggings..." you have categories of clothing, shoes, and accessories containing many items. Do it one step at a time be it a category, a shelf, or a drawer at at time but set things up so you will rotate through. For example, I have a number of folded knit type tops for which I have some sub-categories for BUT within each category I put the freshly laundered items at the bottom of the stack. This automatically puts the items I haven't recently worn to the top. As a result, I am much more likely to wear all of the clothing and not just that proverbial only 20% which many wear. If you are going to slow down on buying, rotating through the clothing makes it last in better shape more months/ years. When/ if/ as life in general and the assorted budgeting/ expense activities slow down look in line for some of the capsule wardrobe videos and instructions. If you can find them, look for something discussing how to assemble ensembles. More modern day capsule wardrobes center around 2 or 3 neutral colors and making the most outfit combinations out of the fewest number of pieces. Old school ensembles centered around a single color being present in most of the pieces and the more expensive ensembles (they were often named) also had a uniform print represented in many of the pieces but on different fabrics and used as the main or an accent. In general, ensembles have upto MUCH more color, often include a wider variety of pieces, amd can be assembled using disjointed pieces rather than buying from a collection. The point of this discussion is to every so often make and clear the bed, then begin laying out pieces to make outfits including shoes, bags, toppers, and accessories. This opens possibilities from what you already own. Often it can point out orphans which are individual pieces that don't go with anything else in the wardrobe; then its time to eliminate the orphan or buy coordinates specific to it. This exercise can also point out a hole in the wardrobe such that if you had a navy or dark blue jacket, you could create several more outfits. All together, this leads to fewer and more purposeful apparel purchases.

Do intermittent fasting 16-8.

Good morning. It sounds like you are overwhelmed. You can do this and realize you will make mistakes.

As always another wonderful video 😊

New subscriber!! I enjoyed your video. Good luck 😊😊

Bruh😂 everytime I see one of these debt confessions/budgeting youtubers they're always spending all this money on notebooks, and highlighters.....you don't NEED a highlighter. Just put your categories into columns and rewrite it....or use excel so you can add up the categories faster (or use a free spreadsheet ap if you don't have excel from work). The point is, find ways to NOT spend money instead of finding ways to excuse spending.

Please begin a debt journey journal. In that journal document the efforts, the goals, and achievements as you go along. For example, a date and your decision to buy no more planners, what you are doing related to your reduced Stsrbucks coffees, the commitment to buy no more leggings/ workout clothes. For example, in this video you have mentioned a number of things yoire going to look into, research, do, and more. A date entry and listing of these actions; maybe some space for added notes, future todo's, etc...

I am exactly where you are. Trying to figure out where to start. I don’t make a lot. It will take you a while to get it solid. The main thing is that you have started to get out of debt🎉

@terryhenderson424

9 ай бұрын

Where to begin.... Try a single, just one, day as a complete no-spend day. Permit autodrafts and actual bill paying 'cause these are differently important. As a hedge, maybe take some cash but don't spend it unless you absolutely need it for gas to get home and back to the gas station, bus or train fare, etc... If you didn't pack a lunch, you do not get to buy lunch unless you have a health condition; drink some extra free water and do plan to eat as soon as you get home. Optionally, write down what, when, where you wanted to spend money on your no-spend day so you can remember. The first, single, no spend day is often an eye opener. Then, its time to decide what to do to address less spending such as maybe taking a lunch, taking a candy bar or snack, taking a soda or drink; don't forget for the trip out and then also for the trip home. Try the same a week later to see how that goes. Maybe decide to additionally to do no spend week(s, or a month) for targeted types like on-line buying (or even shopping and cart filling), books, clothes, etc...

@frankvonfrauner

6 ай бұрын

Dave Ramsey's Baby Step 1. Put aside a $1000 emergency fund. Step 2: list all of your debts, smallest to largest, and start paying them off, ignoring interest rates.

New subscriber. Me and my husband have a credit union we share together for our household bills. Give yourself grace your doing great.

Its not poverty mentality that you can't out earn overspending. Living within your means is not poverty mentality. Therapy is great for this issue. You dont have to eat beans and rice literally but its being intentional amd sticking to the agreed amount to reach your goals for your family.

@justwait9822

9 ай бұрын

Yes, the dave ramsey rice and beans thing is for people in debt. I don't agree with all dave ramsey stuff but he's right about killing debt as fast as possible. The way I look at it, if you have debt at 25% interest EVERYTHING you buy is at 25% interest because every dollar you spend is a dollar you aren't paying down debt that accrues interest.

We pay for Hulu and Amazon annually. Amazon is $139.00 and Hulu w/ ads $75.00

HEllo! Thanks for sharing this. I appreciate it.

So excited to follow your journey!! I am a shopaholic as well, but I have slowly stop!!

@JanetKB

7 ай бұрын

Just subscribed! Good luck!

@Budgetingmydebts

7 ай бұрын

@@JanetKB you’re so sweet thank you!!

Hi. I'm a shopaholic, too. This is my 3rd no-spend year. It's broken me from even wanting to spend.

Hi You can do it Watching from Bermuda 🇧🇲

Dollar store, highlighters are 1.25 for four colors

New subscriber congratulations on starting to my only suggestion is the subtotal each category on a weekly basis and compare it to your overall budget figures don't wait until bi-weekly and also only food shop 1X a week. You can do this. PS delete all electric wallet info off on line shops then unsubscribe....

Thanks for your honesty. I think you forgot to allocate for your son's new shoes and winter clothes. I found having an envelope for clothing so helpful when my kids were young. It builds up so fast, and then I would have $500 when they needed new winter clothes.When you have a better picture of your finances start your sinking funds and stick to those numbers. I found trying to keep track of my account and my husband's account way too much. So each paycheck I would take $500 for my envelopes and started building my sinking funds. It gave me limits for groceries and eating out,etc. If the envelope was empty we didn't eat out until the next Friday/stuffing day.

@jomar9024

9 ай бұрын

You can look into buy nothing groups for your local area I see tremendous amounts of children toys and shoes and all different kinds of apparel and toys and bikes and stuff that you literally get for free you just have to go and pick it up

Depending on your credit and bank, you may be able to refinance the car with a lower interest rate

Love that nail color. Brand and color name please? BTW: Good luck on your journey. Stay strong. I too am a recovering shopaholic just beginning my cash stuffing journey. ❤

Dear Janet, the KZread algorithm brought me somehow to your video. I am a natural saver, so I have never had debt (just telling you this for you to know that I have a very different perspective). I see that you are struggling and overwhelmed. I think you are over complicating this. If you sell your car, do a no buy year (without tracking bills or expenses) make some extra money, if you can, and just throwing the money thats left at the end of the month towards debt, you would be better off without this much planing and busy work.

Hi! I have a couple of questions. Where did you buy that cute pen holder? And where did you find the green erasable pens? I have been looking for green but I find blue and red. Thank you

@JanetKB

7 ай бұрын

Hello! Pen holder is from HomeGoods and pens are from jet pens.com

Hello! I also bought the TBM workbook (waiting for it to come). Do you track expenses everyday?

@JanetKB

7 ай бұрын

👋 hello No, I try to track them once a week. Usually on Fridays.

I’m a newbie wanna watch your journey but you can get highlighters at the dollar tree and they work very well but I’m on a journey to. I have no room to talk I’m a shopaholic all minute and luckily I’m only $10,000 in debt but I have a very very low income going into January, I’m starting with a no spend month. Hopefully that’ll help get me a boost. I’m going to follow you because I need help in your fellow shopaholic.🎉❤

Also, you will now have time to clean your house because you won’t be shopping for planners or home decor or Lululemon leggings.

New subscriber here

Hello 💕🙋🏻‍♀️. New here…

Way to condense : )

Thank you for sharing with us! I'm a planner girl as well! I was working on my budget while I was listening to your video :) I'm probably the only one, but I don't like the Dave Ramsey program although I do know it has worked for many. His style of budgeting just isn't for me. I really think everyone has to do what works for them or they won't stick to it and be successful.