I have to be honest.....I find watching you stuff your cash envelopes very rewarding....

5 years later and these videos are still so helpful

This method of budgeting is brilliant! It makes so much more sense than a monthly budget. I can't wait to get started, thank you for sharing!

@MMyers-mh4jq

5 жыл бұрын

We paycheck budget as well as it make it easier honestly! When hubby get paid twice a month

I would prefer you keep doing these videos. I got rid of my Instagram cause it made me wanna spend money

@madnessofmymind

5 жыл бұрын

I find IG annoying. I was thrilled when she started the youtube vids. Please never leave!

@mezza_ph

5 жыл бұрын

Same!

@Lolakam24

5 жыл бұрын

Ditto!!

@Lolakam24

5 жыл бұрын

So glad I found you!! LOL ❤❤😃💰💰💰

@Kandibliss86

5 жыл бұрын

Same here 😩

That is great! I used that method two years ago when I was learning what to do with my money. Now,. I use a similar method but use spreadsheets on my computer and only use physical cash for our weekly spending allowance which includes groceries and our "allowance" money. Every other transaction is done online so that I only have to go to the ATM and not spend so much time figuring out the bills. It has been working so far and I hope to continue to pay off my debt.

Thank you so much for taking your time to make these videos and I’m just sitting here patiently for the next one 😊❤️

I love your system. Of all the systems I have seen, yours is the one that works best for my family.

You have been a tremendous help for me and my family!! I felt the exact same way you did, there are so many budgeting resources out there that just did not make sense. I appreciate this channel so much!! Thank you!!

I love your budgeting videos! Please don't stop. It has helped me so much already! I have a long way to go but I don't feel so overwhelmed and confused about what to pay first or to decide where to put money! Thank you!!!

Love it! i am starting to grasp the concept, frightening but you make it looks so easy. Thank You for your time!

It is amazing how straightforward this is! Honestly your method of tracking expenses is simple but HOLY COW, it puts things into reality! I also LOVE the paycheck method, that is how I get paid and it is extremely nice to see how to budget paycheck to paycheck. LOVE YOUR KZread/BLOG!!!!!! :) Yes that is a lot of exclamation marks!

@ TBM, thank you for sharing on YT! I watched your whole video and plan to incorporate some of your tips when I plan my budget. Hopefully you continue to post here as I will definitely watch! 😃

This video motivates me the most at this stage of my journey. You explain the process so easily and I find myself watching this video when I feel I need some refreshing. I am so grateful for the BBP workbook and this method. I believe in it ... it works !!

I read Dave Ramsey then I found your video not long after, 2019 began with me preparing my own budgeting binder! Can’t wait to continue on my journey to eliminate debt! Really enjoy how you explain everything!

I’m so glad I found your channel. I wish most people would be clear with what they are saying as you are. And you are super real about it too.

Just bought my 2019 budget by pay check bundle package this Friday!!! I’m so excited to jump in! Already wrote my 2019 financial goals and filled out my student debt on the payoff tracker!!!

I’m so glad I’m came back to this video for the biweekly budget tips! I wasn’t sure where savings (outside of sinking funds) came in to play, but you cleared it up for me. Thank you for sharing Miko!!!

The paycheque budget rather than monthly is going well so far for this month! I ca;see I’ll be able to squeeze more out of my left over spending categories and transferring it to a savings goal (trip) rather than it somehow getting spent or fading away when I look at money monthly, so far so good! Thank you for the ideas!

This one motivates me again. Everytime I am struggling / get stucked to think of my financial plan, I watch Kumiko's video. Even though, I have different financial journey from her, I can feel her sincerety & her real "money" world.

You do a fantastic job of breaking this down and helping people to understand the process. Great job and your envelopes are beautiful and fun!

omg!!! this by far is my favorite favorite video!!! thank you sooo much..i looove the way you explained everything. finally makes sense in my brain.

I'm 26 with two kids and no one every helped me understand how to budget and this has honestly going to help me. I don't have A lot of debt but I also never have any extra money and I know I should. I thank you so much. I'm a new sub. 🤓

I purchased your workbook and I’m really excited to use it this week when I get paid I’m a little confused on how to use a few of the sheets so I’ll be heading to your blog soon 💜

I just purchased your budget plan, downloaded and printed the month of January, but I know it will definitely take me a few attempts of trial and error to get it right but I love it and I know this is going to help me SO much! Thanks.

it's inspiring to see a young person like yourself who is so focused and committed to reach her goals.

Ughhh soo gooodddd, thank you for this video. So helpful. 30 min videos usually isn’t something I can sit and watch from beginning to end but this was so interesting and satisfying and definitely worth it.

I am so glad I stumbled across your channel! You explain things so clearly. Very appreciative

Wow I can’t wait to get started. This method seems so awesome and the way you explain it helps so much!! Greatly appreciated! Can’t wait to see more videos!! Keep it up girly!!

I'm addicted to budget and I loved this! Thank you and kisses from Brazil!

Oh and I didn’t find you on IG. I found you here on You Tube and bought your budget binder. So don’t be discouraged by you tube. You’re doing amazing. I find watching IG stories irritating because it breaks you in between your words. Not your fault just how it works.

Thank you for sharing how you budget. I’m looking forward to implementing this into my life.

Thank you SO much for making these videos. This is invaluable information and I greatly appreciate it. I will be integrating some of these methods into my budget. Thank you, thank you, thank you!!!!

I’m a new subscriber! Thank you for taking the time in making this video and explaining how to budget makes more sense now thank you!

I bought the cash envelopes and the budget workbook. I'm so excited to start using them!

I just found your channel and think I'm going to like your way of explaining financial things because I think you break it down to really easy-to-follow steps. I'm a real visual learner and just several minutes into the video I see how you're using your calendar and also the forms look really helpful. I need to see how I'm making progress, help with long& short-term goals. And like you said, there's a lot of psychology involved in our finances Budgeting & financial planning is so important but so elusive to acquire a method that works... I've almost lost hope in being successful with this, but I'm optimistic as I watch this video, and I'll check out your links. Thank you so much for taking the time to make this recording. :)

Thank you so much for everything on KZread. I just bought your 2019 package and hope to review these videos to learn how to use them.

Way to go!!! Love the breakdown!!! I’m thinking of using your methods for sure!

Love love love! This helps so much, thank you for sharing!

You are helping me soooo much! Thank you for all that you do with your videos!

I bought your budget planner booklets, and I've really been needing this! Thank you!

Loved this, so well explained, thank you so much for all the help you are given people.

My goodness. I thought was organized. Love it! New subbie.

Thank you for the great information. It was explained very well. I follow you on IG also, but watching you on KZread was better for me. I used to be so organized when it came to budgeting. You've inspired me to get it together :-)

How about a "cashless envelopes". I read it in your blog but having a video will be a big help! Thanks for sharing!

I love this! Motivated me to do the same this year. Thank you!

Thanks for the cash envelopes they really help me stay motivated to budget and plan.

I love your cash envelopes miko! I use just dollar store white legal envelopes with post-it notes on the back haha

Your cash sinking funds are making me miss the cash sinking fund days!!! Omg! I used to do that, it wouldn’t work now, we use multiple savings accounts, but it used to be SOOOO FUN to put that cash in! I didn’t have many sinking funds back when I was a single mom paying off the debt, I think it was just Christmas/bday back to school and clothing but I loved it! Love these colouring envelopes, you are making my thrifted brown paper ones less appealing

I’m a new subscriber here. I’m very impressed with how easy you explained this system. I’m not new to this finance system as I have done a ton of research for many years on different methods. Nevertheless, even though I have my own spreadsheets I splurged on yours. I’m liking the way you are real about it and give us real numbers. So please, if you fail, share so I know I’m not alone. 🤣 You are on point that there isn’t the reality of real numbers out there while doing research on financial planning. You got me hooked and I can’t wait to see what other videos you come up with. I am going to go and download my new spreadsheets that were discounted. 😉

I got rid of Instagram too... please keep doing videos here. Thanks so much YOU ARE AWESOME!

Wow just wow.. change your life

Amazing thank you so much I really need this method in my life thank you 🙏🏻

I hesitated purchasing your book, but I got it ( before watching this video). I don’t require ALL the pages because I am paid once a month, but I am already finding it helpful!

Love this!

Very well done and helpful. Thank you!

Great job Miko

💛🙌 Great video!!

This is so helpful! Thanks!

I use my rollover amount towards the total budgeted amount. So I would take 75-31 and only put in $44. LOL Hey, as long as everyone is making progress, it's totally ok to do things differently. :D Thanks for sharing this.

Great video! Thanks ♡

Yes, please keep making this videos, I dont really like instagram

I'm watching this video in 2020. Never too late to start bettering your financial health right?? i do have a few questions though. 1) Do you have to use different cash envelopes for each paycheck? 2) What do you categorize household goods/toiletries as? Grocery or Misc? This was an awesome video, and great information. I can't wait to start my budget!

I love this video. I think I have binge watched all of your videos now. 😂 I was just curious how you pay your rent and medical that you have listed? I noticed they aren't included in your color coded budget? Keep up the great work!

Thank you so much

By any chance, will you be posting a follow up video reflecting your second paycheck; to show an example of what a full month of pay would look like for your budget breakdown?

I absolutely love your sinking fund envelopes!! I couldn't find them on your site. Will you be selling those too? I ordered the work book yesterday and can't wait to get started.

You have definitely inspired me! I live in Australia can I still purchase your envelopes etc

I assume you only take the envelope(s) with you when/if needed? You don't carry all of Them with you all the time? . GREAT video. I Just started with the planner and tracking my expenses. Can't wait to create a realistic budget and start with the envelopes.

Just bought your 2019 budget binder

@trblessed1020

5 жыл бұрын

Is there a video where you show where to get started with it? I'm super excited

Keep going on KZread

Your videos are high quality. I don’t understand why your followers are so low.

As far as rent and electric things that you pay online through checking accts, what do you do with that money to hold it? Do you keep it in the acct? And does it confuse you with your cushion? That's where I'm stuck. Maybe I missed it. How do you apply online bills with the cash envelopes? Thank you btw! By far the best and most detailed budgeting video I've seen.

Do u make a workbook for those who get paid once per month? Plus I have about 13 envelopes and your worksheet have less space for these. Thanks!

I bought your workbook but I didn’t get the one you talked about here for “2019”....is there a difference between them? I am very excited to give this a try and appreciate all of your videos and explanations!

Hope that there will be more horizontal black and white envelopes, I don’t have a colour printer so colourful designs don’t look as good 😢

I am loving the sinking funds envelopes! How did you make them?

thank you

ive been struggling and cant seem to figure things out...ive been learning how to budget through trial and error. i get paid every 2weeks and i should have 1200.00 from my second check-which is supposed to go towards my loans,debts, etc...but i cant figure where its going. sooo i am going to try your way...i am going to work with cash instead of my card. im going to try the cash envelopes . i already write down all my expenses. hopefully next month i will find out what the heck i am doing wrong.

I really like your budget method. Are the charts you use available for download somewhere?

Love your channel. Changed my life. Question. My fiancé & I combine paychecks since he gets paid biweekly & I get paid semi-monthly. Do you recommend starting our month on the day of that month’s first paycheck? For example, the first paycheck of February was 2/9 & the first paycheck in March will be 3/9. Should we date our month of February from 2/9-3/8 for closing our our monthly budget? Also, we have some regular bills that come every 6, 8, & 12 weeks. Should those go on our fixed expenses for the month? Ir would you recommend them categorized as variable expenses?

Where can I purchase the cash envelope breakdown along with the yearly savings goals & events? I see that they come in a bundle but I just need these two.

You make budgeting look so easy 😣

When do you start saving for your Sinking Funds?

I was wondering if you would be willing to do a overview on paycheck budgeting for the weekly paycheck? Because all of your tutorial or a base on by weekly which is how you were. And I am having a hard time trying to see it for me because I am paid weekly thank you

great video i love it all your tips. However, I have a question about how I can actually budget if I get a $150 dollars paycheck almost every week, but I have 3 credit cards debt and my school loan. How actually can do that with a small amount of money?

Like i said december budget did well; but finding food is a problem. I use a menu and shop alot from pantry and freezer. Any suggestions.

Good for you for paying off your student loans!!!!

How do you handle change? The reason I ask I because all of your numbers are rounded up to the nearest dollar. Thank you so much!!!!

@chandica

5 жыл бұрын

@@thebudgetmom What a great idea! I hate having change in my envelopes because I'm afraid they'll fall out. Here in Canada we have coins for $1 and $2. They're big enough to notice if they go missing, but the little ones can get their own spot and go to a sinking fund.

Hello - where do you buy the fill in the blank calendar? Can you please add a link to it? I didn't see one on your blog... :)

Love the videos! Quick question: Are the papers hanging behind you visual debt trackers? (Student Loans, Credit Cards, Chase Card, Discover Card) If so, could you please share how you create those? I have purchased the 2019 workbook and know we have an overall debt tracker, but I would love to have a tracker for specific credit cards, loans, and various debt. Thanks so much! Am so excited to begin this journey...

@kstovar

5 жыл бұрын

Cool! Thank you so much. I am clicking on the link now! 😃👍🏼

How would like to do the cash envelopes but my husband likes to use the credit card for like gas so we get points. How do I figure it out using credit cards I know we should b getting away from credit cards.

Once you reach your sinking fund goal for the year/special occasion do you stop contributing to that sinking fund until you actually start spending the money?

How do you plan your groceries to match how much money you have to spend? That’s a problem I run Into. I try to plan meals, to my budget. I seem to always go over the amount.

When is the work book available again ?

Where can I get the event envelopes.?

How do you handle things that should be saved through sinking funds but they are electronically deducted?

i budget by paycheck also, but i split all my bills in half and pay them twice a month. im trying to figure out how to do that with your worksheets. any suggestions?

Where can I get this budget sheet?!?

how can we get those envelopes & sheets?

So what do you do with your change?