One of the best examples of a zero based budget on YT. I could see how hard you prepared beforehand and by your explanations could tell how you genuinely want to help other people, who are possibly new to budgeting, understand the basics!

@erikalifevlogs

4 жыл бұрын

💕 thank you!

@clair233

4 жыл бұрын

I agree

@teresaclutter9757

4 жыл бұрын

Great job!!

Im so not skiping ads in this channel.

@erikalifevlogs

4 жыл бұрын

🙌🏽 you help me a lot without even knowing it! Thanks so much! ♥️

Binge watching all these debt free videos and realizing I’m not as bad off as I thought

@erikalifevlogs

4 жыл бұрын

😂 thats good! Im glad because no one wants debt!

@Malix15

4 жыл бұрын

Same lol

Love this! I don’t understand why people are judging your choices! You said it best - budgeting is personal! I think you are being super reasonable and REALISTIC. And 5.5K subs?!?!?? CONGRATS!!!

I just paid my LAST credit card payment yesterday and it feels so damn good! I only have two credit cards, but man the way I was spending like I was in Congress was insane! I leave my credit cards at home and act like they don’t even exist lol. This video is great! I agree about writing the numbers down, it makes it more “real” and shakes you up. I checked my credit report last night and I found a collection that I need to get my hands on to pay off. I hate that it got to that point 😫

@Lak3rsfolife66

4 жыл бұрын

Why haven't you cut up the credit cards yet tho

@jaywalters9448

4 жыл бұрын

Spending like I was in Congress took me out! 😂😂

@candy2325

4 жыл бұрын

Giovanni Torres I did! Just recently

@BethKnox32

3 жыл бұрын

Maybe cut them up

THANK YOU. I have debt and I am a visual person. Seeing all of my stuff on paper works so much better for me .

@erikalifevlogs

4 жыл бұрын

You’re welcome!

@latinaar1budgets

4 жыл бұрын

Can you add the bi-weekly breakdown so that my daughter can understand how you do it....lol...she says you explain it better.

This may sound silly but thank you for the positive background noise while I wrote my own budget. I find it so much more motivating to listen to people talk about their own journey as I am just beginning mine.

@erikalifevlogs

4 жыл бұрын

I do the same! Im always having e.michelle in the background when Im budgeting !

@katrinalenz3809

4 жыл бұрын

@@erikalifevlogs between you, her and shay I know I'm in good budgeting motivation hands!

From 21 down to 5 or 6, well done! ;)

@erikalifevlogs

4 жыл бұрын

Thank you!

I was expecting you to list 4 things when you said 4 walls. Smiles

@BadBrad119

4 жыл бұрын

4 walls are Shelter, Food, Transportation, and Clothing. The roof is likely the emergency fund

@camilliacollier4448

3 жыл бұрын

Me too! LOL!! I Loved that - I'm definitely gonna use it!!!

@BRYCKTORIA

3 жыл бұрын

@@BadBrad119 Or using D.Ramsey's definition: food, shelter, transportation (for me rent, renter's insurance, gas & electric, food, car insurance, gas for car, toll pass). I had my car payment in the 4 walls, but moved it to debt. I literally have been revived by this simple order of things (putting the four walls first), because I used to pay bills before I bought groceries and often went without. I hope you like this additional info.

Been watching you from the start. I love how you reinforce that you totally don't need stickers and fancy books etc - even a simple piece of paper each month is enough. Scrap paper if you don't have a pad. That's how I budgeted for over a year and then branched out to a simple 30c note book following that. The key is being disciplined enough to tell your $$ where to go!

@ciannacoleman5125

2 жыл бұрын

I’ve been debating using a spreadsheet or getting a book since I really like physically writing. Has a paper budget worked well for you?

@candy2325

2 жыл бұрын

@@ciannacoleman5125 I love budgeting by paper. I use a bullet journal and write my budget stuff in there and use fancy highlighters to make it cute 😊

@michelleholt2007

9 ай бұрын

When I first started, I would sometimes write on the back of utility bill envelopes until I got my financial planner. Still just use plain notebook paper to rough draft my budget on.

"No vacation. No fun. Rice and beans." When I tell you I laughed..... I laughed so hard!!! 😂😂😂😂😂😂😂😂😂😂

@veronicastigger7947

4 жыл бұрын

Evil AF I will put money aside for a vacation As a nurse I need to distress

Absolutely loved your video! Thank you so much for being realistic and explaining everything in detail!

This has been so helpful. I pulled out my paper and starting workiing right along with you!

Thank you for sharing, very easy to understand. I love watching these videos to see how I can tweak my budget. Great job!

Thank you for being so open and honest about this!! I found this super helpful 💜💜🙏🏼😊

Super simple, thank you for taking the time to break it all down. I absolutely loved your video

Such a helpful video! I appreciate your transparency with your budget and you were very informative!

First time viewer, just wanted to say I love your handwriting! Great video, thanks for sharing ☺️

Ugh I love your video! It’s so nice to see real numbers. And I’m glad to see another fellow SoCal person doing this.

Very informative and relatable. I just started budgeting this year and your videos keep me motivated! Thank you!!! 😊

Great job explaining! Keep doing it. Clarity is so important!

Honestly can't wait to start budgeting, you make it sound so easy and relatable!

This is awesome and I love it for me, being a senior in college!! Also love that planner paper!

This was the most simple video ever! Thank you so much!!!! Loved this!

I love your attitude about debt!! We've all been there. Keep chugging along! THANK YOU for going into so much detail!! It really helped me.

This was amazing! I got a lot of golden nuggets from watching you do this. Thanks for demystifying budget planing.

Great video!!! This is one of the best explanation of the zero-based budget videos on the internet. Thank you.

Girl! I’ve watched countless videos on budgeting lately and I’m scared to jump on the ship, but this broke it down in a simple way that I’m not scared. So for the month of October I’ll be doing this, I’m on my way to watch the 2nd part now. I appreciate this video! ✨ God Bless.

@erikalifevlogs

4 жыл бұрын

Im glad to hear! Dont be afraid to spam me with questions 😊

@nosirrahm

2 жыл бұрын

How is it going, Iris? I hope you figured it out.

I think this is such a well thought out video. Thank you for being vulnerable in order to help others.

Love the use of real numbers, very helpful! And good tutorial on Dave Ramsey's zero-based budget! Thanks for the explanation!

Amazing explanation and demonstration! Thank you for sharing.

Initially I didn’t understand why you were being so snarky with your comments around people not questioning you but I’m glad I made it through to get the full content. This was a great video!!!

thank you so much. this is one of the best videos that I have seen!

I’m really glad I came across your YT. This is the most realistic budget based video. Looking forward to watching more of your videos!

This is an excellent video and you are doing a wonderful job. You really do a good job of taking the shame out of debt and money.

Omg !!! Girl .. thank you so much... For having the time to show us how to start! I will star do it for next month...

Thank you so much for this breakdown. By far the best explanation!!

3 words. Honest! Transparentcy! Real!. Thankyou Queen for being straight forword no sugar coding!

This video came up while I was looking at some other budgeting videos, and wow you explained it the clearest. Trying to figure out a budget seems really ominous, but you just laid it all out so simply. Thank you for the great video!

Thank you for being real and honest. I really appreciate it. This will help me to get on track and get out of debt.

I'm only like 13 minutes with watching and so far, I like how you made this breakdown so simple!

Great video! Much more relatable then other videos I’ve seen. I also liked how you kept it real lol! No judgement zone! Awesome!

I am just starting budgeting. I am so glad I came across your channel. You made it so simple and realistic. I don't have credit card debt but I have slot of stuff in collections. Thanks for sharing.

Thank you for speaking about how personal budgets are! So many people don't understand how personal budgets are for each individual person.

Thank you so much for sharing and helping those that need help with budgeting. I’m sorry that you hear negativity from others.

We are doing the same method as well and we love it! It’s so eye opening to see exactly what we spend our money on and then aggressively hit our financial goals. Thank you for these tips!

Thank you so much for this detailed explanation I really needed this because I didn't understand it on any other video seen.

Fab/realistic/Brutally Honest....thankyou! New Subby with an older outlook starting fresh this year & more sensible than before - but loving your examples x

Love the bravery you have. It takes courage to share your debt you have with people! So many people avoid opening up about debt because of the social shame that can be brought with it. Love love love the openness you have! Keep up the good work 💙

@erikalifevlogs

4 жыл бұрын

Thank you

I’ve been watching your videos for the last week and I’m so happy to stumble upon your channel. To finally watch someone who has a similar salary as me, even tho my debts are a bit higher, but they’re all student loans. It just makes me feel like I can be done!!! Thank you for taking the time to explain this 💗

wow its the best learning video I've seen for money budgeting. thank you sooooo much.

Great video. I have been doing a zero based budget for the past few years and it has helped me tremendously. I am looking forward to the paycheck breakdown video.

Thank you for using realistic numbers. I appreciate you making this video! ❤️

Awesome video! I really appreciate you sharing your expenses . It gave me a better picture of my personal expenses.

Your video has been a pleasure to watch. Your explanations were on point. I have done Dave Ramsey system before with some tweaks and it works without sacrificing EVERYTHING. Great job.

I love you being real by being positive and honest. You are awesome by sharing how you are taking responsibility and making it work. I hope you achieve all your goals and dreams.

Thank you sweetheart for being so transparent with your finances. This was very helpful ❣️

i loved watching this! i started today my journey on zero-based budget! THE BEST video on youtube! i can tell you genuinely want to help others

I love when people show how the different budgeting techniques apply to their life! I tried creating a video explaining different budget techniques then realized the best example is explaining my own budget breakdown. Love the content!

I just now saw your video and I am so happy to see someone be real about their income and debt:) Nobody’s perfect you’re right people need to back off being negative and get it together 👍⭐️

Thank you I'm just starting to budget and pay my debt! Very detailed and helpful! Thank you!

Thank you so much for this!! It really opened my eyes in a way I didn’t expect ❤️

@erikalifevlogs

4 жыл бұрын

Happy to hear!

You have the best video that I have found on how to do this type of budget. New subscriber here!!

Thank you so much for this. I really learned a lot and really appreciate your transparency! 💜

Thank you for being so vulnerable to help people who need guidance on how to budget and get rid of debt. 🙂

This is AMAZINGLY helpful!! Thank you!!!!

I love what you say about debt! Thank you for sharing and helping others!

This was the best and most real explanation of a monthly budget I have seen so far. My husband and I are working on a new budget and this helped so much. Also, thank you for linking the pen, it looks amazing. Thank you for being so real and open about a real budget.

THANK YOU ERIKA FOR A VERY SIMPLISTIC BUT INFORMATIVE LESSON IN ZERO BASED BUDGET.

Great video, you helped me a lot with my budget, I did mine as I was watching you! You got a new subscriber!🥰

Excellent video! Same - totally embraced debt for decades. I like how you allot for future plans into your budget. I am working on smashing my debt$$$ and buying my 1st home. 🏡

Thank you so much. You have no idea how much you've helped me. Peace and Love.

Um, THIS VIDEO IS AMAZING!! I have a budgeting system which isn't super far off, but I am going to follow and do this by this video.

Watching in 2021 - wow! This is what I needed. So real (thank you for sharing your actual numbers...beyond helpful and inspiring). So simple using pen and paper. Love it and can't wait to do my own!

I recently started watching your videos! You’ve been such an inspiration to me to start paying off my debt. Keep up the good work!! 🥳

@erikalifevlogs

4 жыл бұрын

😍 so happy to hear! Thank you so much

This was broken down so amazing and easy to understand. Thank you thank you so much!

This is the most helpful budgeting video I have seen.. and I’ve seen a lot!! I just subscribed to your channel! ❤️❤️

@erikalifevlogs

4 жыл бұрын

So glad to have helped! And welcome to my channel! ♥️

Thank you for sharing your journey with us. I’m old and wish I’d had this information when I was your age.

very inspirational and well explained concepts. thanks for sharing

Thank you for always being transparent with us. You really help me a lot throughout this journey and I appreciate you! The zero based budget does seem to work for me and I like it.

@erikalifevlogs

4 жыл бұрын

Thats awesome to hear!

Well this is soooo helpfullllllll. I just started budgeting. I've tried it in the past and always end up feeling lost... But thisss is what I'll be using

You’re a great teacher!🤩 Thank you for putting in all of this effort for us!

@erikalifevlogs

4 жыл бұрын

thank you for watching!

Thank you so much!! This video was so much more relatable to my own circumstances. Great video!! Love the visuals

@erikalifevlogs

3 жыл бұрын

Glad you enjoyed it!

Thank you so much for being so honest with us I really appreciate every moment of this video it help me a lot thank you thank you❤️🙏🏾

Awesome video. THANK YOU! Thank you for being so transparent.

I realize this is an old video but I'm playing it while I work out my numbers. I printed out 3 paychecks and 3 bank statements... crunching numbers! Thanks for being real with your situation and info! I'm looking forward to see your newer videos to see how you're doing!

I have been watching lots of videos on this process. Yours is the easiest to follow and learn from. Bonus is that your hand writing is amazing.

Thanks for taking the time to make this for us!

Omg, Erika! Thanks for the video. Very detail and realistic. Look forward to many more of your videos sister❤️

@erikalifevlogs

3 жыл бұрын

Glad it helped!

Love love love , this helped me out a lot. Thanks for showing everything most you tubers beat around the bunch and make it confusing. Your videos are so informative. Awesome job in getting down to 5 cards Wow 👍🏾

@erikalifevlogs

4 жыл бұрын

Thank you! It had been a journey! But glad to be in it. Cant wait until Im at the finish line 🤩

Thank you, thank you for creating this video. I'm a single mom of 2 and I'm working on my debt journey in 2020. I admit...I've made some pretty lousy choices and my debt is ridiculous. But I'm determined to get debt free and show my children how to budget and do better than I have. Anyway, I just wanted to say thank you and I appreciate the time you took to explain everything and make it clear. Awesome video.

One of the best, if not THE best videos I’ve seen showing a zero based budget. Excellent job!

@erikalifevlogs

4 жыл бұрын

Thank you!

Love this I like how you broke it down now I'm not so confused with my budget I finally understand the system so thanks again.

@erikalifevlogs

4 жыл бұрын

Yay! Im glad it helped. Budgeting can be confusing !

Hi Erika, You made it so simple. Thank you for explaining it and making it easy.

@erikalifevlogs

4 жыл бұрын

Glad to help! Thanks for watching

Wow, you're great! Thank you!!! I love how real you are!! 😍😍

I love how open you are with this video it actually does help

@erikalifevlogs

4 жыл бұрын

Happy to hear!

Oh I've learnt! Thank you for posting.

Congratulations on your journey. So brave of you to face your debt head on and put it out there for everyone to benefit from. Hope you have done well over this 1 1/2 years.

Thank you so much for creating this video! This is my day 1 of my debt free journey🤗 I broke down my budget alongside with you and I am shocked that I actually have money left over. I am now left wondering where does all my money go 💵

You are so amazing for this breakdown. Thank you so much!

@erikalifevlogs

4 жыл бұрын

Youre welcome!