I love the fact that you are so encouraging to people who have not yet started their budgeting journey. A lot of the youtubers who do budgeting, that I've seen, are very judgmental when it comes to those not on their level. You are an absolute breath of fresh air.

@JenPlans

4 жыл бұрын

That is a huge compliment, thank you. I remember being in a hard spot and how hopeless and overwhelming it feels and I don't ever want to be inadvertently discouraging. It's really tough getting started. I really appreciate your comment.

@anabautista667

4 жыл бұрын

Chevelle I completely agree! She is very encouraging. I subscribed because of that. 🙂❤

@yayamary56

4 жыл бұрын

@@anabautista667 Ditto here...I subscribed because of the method & Jen's optimistic attitude, "it can be done"...ty again Jen!

@kimberlydavisson6634

4 жыл бұрын

I completely agree with you. She seems to be a lovely person. I also love that she talks about struggling and uses those statements to further encourage. I'm an accountant and I learned some great tips. This video is the first I've seen of hers. I'm back here now to subscribe and binge watch her videos.

I started this budgeting journey 1.5 year ago. I don't follow Dave Ramsey's plan to the letter because I live in Greece and salaries here are not that high. But at the same time sinking funds have made my life a lot easier. I don't run around every time my car insurance or a medical bill is due, the money is already there. I remember watching a budget video of yours that got me started. And I really enjoy watching your videos because you encourage people that are not on the same page as you to keep going without judging them. Something that is really refreshing.

@JenPlans

4 жыл бұрын

Thank you

I love the clarity of your layouts. Comes to show how u don’t need many stickers for it to look so nice! Thannnks for this!

Another thing I track in the notes page is charitable contributions, it really helps at tax time. I also have a page where I track the total cost for each vacation we take

For that months page i track a financial snapshot. I like to have our saving balance, debt balance, net worth, and credit scores.

@JenPlans

4 жыл бұрын

I just might use this idea! Thank you for sharing!

Thanks, Jen! I’ve used a lot of your ideas and then tailored them to work for our family. Having a budget is the best thing we’ve done for our family!

Thank you for sharing this video. My husband and I just bought our first house and your techniques and tips will be very helpful to manage our finances. 😊

You were one of the very first budget planning guru's I watched before starting our budget journey. My husband wasn't 100% with me on it, but over the past year, he's coming around. I love (or am addicted to) sinking funds!! Wish I had known about them years ago. Thanks for the awesome tutorials. You're my favorite! :o)

I am new to the whole budgeting thing. Love your set up! Do you have a video that shows your month end process? Would love to see how you go through the end of the month and fill out your budget page & totals.

Sharpie + alcohol on front cover to erase= 😯 totally just added my class schedule to the front of my planner!

I set up automatic transfers to savings for 2020 during this video 🙌🏻 thanks for that reminder of saving for sinking funds. We've never done that before.

Loved your lay out it definitely gave me a few ideas for my future one as well! My husband and I just started budgeting since we started following Dave Ramsey’s baby steps in January. I ordered the EC deluxe monthly planner today and I’m so excited for it to get here so I can have our budget all laid out clearly in front of us. We’ve been tracking everything since the beginning of the year in a plain ole spiral notebook but I just feel like this planner will make things not only easier but more visually pleasing as well which will motivate us more to keep up with it.

Thank you thank you thank you for doing this video! I am a massive procrastinator and I hate micromanaging every single tiny category. Currently using YNAB and following a couple of other popular budgeting moms but the penny to penny stuff just drives me bonkers. Your system parallels our situation perfectly. I can’t wait to use some of your ideas. ❤️❤️❤️❤️❤️❤️❤️

Omg your video is so inspiring and you understand that sometimes we just dont make enough to put a bit on the side. But when we can we should do it. So inspired and motivated

I’m so glad I found you! I absolutely love this! You have solved my budget planning/binder dilemma. I’ve tried a couple of other things and they just weren’t working for me so off to EC to order this planner. Can’t wait to get it and set it up just like this. Thank you so much 🙏

I use the boxes to track when things go on sale, so now I know when to buy more expensive items. For example, Costco has Berkinstocks in July and storage for my classroom is best to buy after the new year.

I wasn’t going to do anything with that monthly dashboard page, but I love how you set yours up so I might have to change my mind about that. Thanks for sharing. Your budget book set up is one of my favorite videos of the year!

Thanks love your ideas. Just ordered mine so I can start my budget workbook in December

My husband and I are currently trying to pay off our debt along with our regular bills. But we also try to save a little each month for travel, and 2 other things. This is such a simplified way of having your finances all laid out, and for us it’s better to have all our bills on the monthly layout vs making a budget each month and trying to stick to that. Plus living in japan for the next few years does help I’m saving money, because traveling here isn’t expensive and there are a lot of things that are free or museums are cheap.

I absolutely love your videos I enjoy how you organize things! It’s really helping me Keep making your videos! I love planner videos but I need functional and your channel is wonderfully refreshing for that!

I really love your handwriting. Love your planning,easy to relate.

Yessss I have been waiting for this video ❤️

You have helped me more than you'll ever know!! I just made my budget. Thank you.

Love to see an updated budget planning!

I really enjoyed this budget video. Thank you for being so transparent.

Wow, great budget teaching video!! I wish I had seen this years ago. Thank you for sharing.

Miss you Jen! Just rewatched this one for inspiration 😀

You are a genius lady! Love your thought process on things 😊

This was so helpful because I never know how to really plan our finances! Thank you for sharing!

This video is excellent!!! I just received my deluxe monthly planner and I cannot wait to get started! Thank you!

Love this video and I reference it yearly!!! Thanks for sharing Jen!

Cannot wait to try this type of system out!

Yay! I’m the one that emailed you to see if you were doing a set up video for 2020. Thank you so much!

Great video thanks. One of the best I have seen.

Loved the Jan explanation of bills each month. The one you used a rule on.

I love your handwriting, I wish mine was so neat!

Love the Mortgage tracker. What a great idea.

My EC Deluxe Monthly Binder is arriving tomorrow! You gave me some great ideas for organizing it. Also, I’ve been using the Sinking Funds method for years but never had a name for it! 👍 Just re-watched your video for final tips! 😁 VERY HELPFUL!

This has been been very informative. My husband and I are going to be starting a budget this year. Fortunately, we're not really big spenders, but we do like nice vacations and have hobbies that need funding, not to mention other costs that just come up in the course of living. LOL. We're saving for a house and would like to put down a big down payment, so we're budgeting. It is a bit overwhelming, though, because I'm really not good at "thinking ahead," and breaking things down. I'll get there. I'll be using your video as a guide. Thank you for sharing. Wishing you and your family a Happy & Healthy New Year!

I love your set up and it is still pretty with the stickers

Everything looks so pretty! I ordered my deluxe monthly late so it hasn’t arrived yet. Can’t wait to set it up. You are so organized!

@JenPlans

4 жыл бұрын

I ordered mine late too! You'll be set in no time!

Thank you for sharing! I’m super excited to track finances 🤗

Yay! I’ve been waiting for this!!

@desireekalalau5329

4 жыл бұрын

I've been waiting too!

Love your setup!

Awesome job!!! Great video!! Keep me coming!!!

After seeing your IG post with the productivity pages for the budget planner I got all inspired to try something new for my budgeting/spending tracking this year. I ordered the softbound life planner in vertical so that I can combine the budget with a sort of check registry that is portable. The deluxe monthly was never quite structured enough for me.

New subscriber here BECAUSE of your comprehensive approach to budgeting. Thank you so much for sharing your method! P.S. I love your neat printing!

Hello Jen, I’ve been watching your vlogs for a few months and had to comment. I ❤️ your idea of different colored labels on you monthly spread especially the extra payment labels (blue). I also ❤️ you mortgage extra payment page set-up.

Wow thank you, I'm new to your channel and you gave me a lot of ideas for my budget planner! 🤩

Very helpful and educational...thanks for sharing

Yes! I wonder the same thing after doing a full 2 years of really budgeting... like I did I handle my money before this lol

I have been thinking about getting a deluxe monthly for same, love your budget vids.

Very motivated--thank you!

Thank you for helping me see that I can do this too.!!

Great video! Oh so helpful!

Happy Friday 👑 Great video 🤑

Thank you for this video!!! Love the blue ink...what kind of pen are you using?

Love how you set up the sinking funds....I am starting Dave Ramsey Financial Peace University in Feb. at my church and from what I read it looks like you have set up what I will eventually need. Thanks!

@JenPlans

4 жыл бұрын

YES! You'll definitely want a way to keep track, for sure! I know A LOT of people like digital but I'm still a paper girl....for now ;)

Dang I wish I had your handwriting 😩

@jazmeregarrett2744

3 жыл бұрын

KS she has a font download of her handwriting on etsy

@gigilevres3631

3 жыл бұрын

What is her etsy store?

Ok your set up is way more easier.. and I love how you track your mortgage pay off. I might use that ideal for other that I am trying to pay off.

This was very motivating. Thank you!

With the current situation I would love to see how you used those extra pages and if you did any updates to the pages you created?

Love this system and this planner layout looks to be just perfect for that purpose. Is this a new layout of the Deluxe Planner? I did have one from a previous year but the beginning pages of each month were different - Love this one and hesitate to buy it again after seeing this video

Finally someone who explains how to use a financial planner!! Also, do you track other spending, such as dining out, movies, etc?

My Husband and I are looking at paying our Mortgage down the same way and I love the way you have set up the extra mortgage payment page... I am off to set my page up the same way. Thank you for sharing.

@JenPlans

4 жыл бұрын

YAY! How exciting! Can't wait to hear your update next year! It's SO great seeing the progress!

How do you track groceries, eating out, spending, etc...?

Just found your channel. I have been looking for something like this to help me. Thank you!

I really enjoyed this video!

Do you have a cap on sinking funds? For example, your car maintenance. Do you stop when you get to X amount and start back whenever you have to use some? Or do you just continue to add always?

Great set up!! I want to use your mortgage set up for my student loan pay off tracker!

What did you decide to do with the blocks for each month right after your sinking funds yearly overview?

Thank you Jen!!!!

Thank you so much for this video! I follow you on Instagram and was so happy to learn you film videos as well. Your budgeting videos are inspiring and so helpful (I’ve watched most of them now! 😆) and I’m trying to start organizing my finances better this year - starting with sinking funds! I had a question about cash envelopes if you wouldn’t mind answering. I do many of my purchases online, and I’m just wondering how you reconcile that with the cash envelope system. Do you take the cash out of the relevant envelope and then put it towards the following week/month? I’m wondering if I should try an app that has a digital envelope system or if cash is better because it is tangible. Thank you!

Hi Jen! What sticker paper do you use for your printable budget stickers?

The budget stickers you put in the link...are they the large or small size that fit in the planner? Love this idea!

You have such a neat handwriting.

Tips on someone starting who is realizing they are behind on certain bills? Would you buy a deluxe monthly now knowing they are coming out with a new one in a month or 2?

On the monthly flow where do you show the periodic expenses car registration etc

So helpful! Question... do you still do cash envelopes for everyday spending? If so, do you not track that in your budget planner?

@mylifejen6372

4 жыл бұрын

Organized with Olivia it looked like she’s getting cash out weekly for groceries & dining out. And all other spending is saved into sinking funds checking. 🤷🏻‍♀️

Are you using cash envelopes for daily expenses and dining out, etc?

I love how you do your sinking funds. Definitely going to use that tip! So glad I found your channel! For your sinking fund account, do you have a debit card you use when needed for certain funds or is it strictly cash/autodraft?

@274jkk

4 жыл бұрын

I'm not sure how Jen does it, but for me, I spend the amount from my main checking and then transfer that amount from my sinking funds acct. Then I mark how much I've taken in the tracking sheets before that month so that I account for it. :)

What pens do you use for the budget stickers from KrissyAnne? My normal pens don't work very well.

I LOVE everything about how you set things up, thanks for sharing!

In replace of cable, what are you using? I’m trying to do the same.

Hi Jen! Loved watching your budget planner video. Are you still doing it the same way? If not, what have you changed? Thank you, so much for sharing.

I loved this video. Thank you for posting it! A question. Do you track daily spends - for example: groceries, random household purchases, eating out etc. If so, do you have monthly budgets for those and do you track them in your planner? I’m starting my third year budget planning in a duluxe monthly and I love it.

@lifeplanswithjoann8892

4 жыл бұрын

Id like to know too!?

@susanhruby9895

4 жыл бұрын

In the past I think she did track that on the page where she has her list of bills. That's where I do it and I learned it from Jen. I track the total for Groceries, Gas, Dining Out, and Savings weekly.

I've been waiting for this video, along with many others on the JenPlans budgeting FB group! This is one of my favorite videos every year. I watch it several times before I start to set up my budget planner, to let it all sink in, and to figure out what I need to do differently. THANK YOU for this -- it's so helpful and inspirational. This year, I'm using a combo of YNAB and the Deluxe Monthly. I need to write things down to stay on track.

@JenPlans

4 жыл бұрын

You are so sweet, thank you. I had to spend more time than usual this year really thinking about what worked and what didn't. I've been thinking about YNAB too! Trying to get over the intimidation of the initial learning curve ;)

@susanelainecoffer7502

4 жыл бұрын

@@JenPlans try Every dollar app from Dave Ramsay

@shannacardenaz1400

4 жыл бұрын

I also use YNAB and the deluxe monthly. It’s worked well for our family.

@kimwilliams6674

4 жыл бұрын

@@JenPlans I want to also give you a HUGE thank you for these tutorials. I found you a little over one year ago and ended up purchasing my first deluxe monthly planner and use it the same way you have shown. I LOVE it! Also, regarding YNAB - I completely understand feeling intimidated - it is not a very intuitive program. BUT- it is an AMAZING program and I promise, promise, PROMISE you that if you look up Nick True here on KZread and follow his tutorials you will be up and running in no time at all. He really makes it extremely easy to grasp. If you join the YNAB FB group and search his name you will see he has quite the following. Seriously, YNAB should put him on their payroll. lol Please do yourself a favor and just try it out and follow his tutorials to learn how to use the software. YNAB gives you something like 34 days to try it out so that you can see how things look when you move from one month into another. Anyway, I just wanted to encourage you to check it out - it will save you SO much time just by tracking your sinking funds for you and you also won't need to carry cash in envelopes anymore because you can categorize everything and see how much you have in each category. Even your husband can use it and the app will show the balance to each of you in real-time as long as you enter purchases immediately. Anyway, I could go on and on but I'll stop now. lol Just do it! : )

@inksplat

4 жыл бұрын

JenPlans YNAB is awesome. They offer workshops that are about 20 minutes each, and they have them at all different times of the day. They’re free and you don’t even have to use YNAB to take them if you want to check those out first to get an idea of how it works before you even sign up for a trial. I use this in addition to my deluxe monthly, but i end up abandoning the Deluxe Monthly for a month or two here and there. 😂 www.youneedabudget.com/free-workshops/

I ❤️ your handwriting

What a GREAT video!!! Thank you so much! You have completely motivated me and I just submitted my request to join your FB budgeting group. Thanks again!

New subscriber! Thanks for sharing!

This is inspiring me to use my deluxe monthly in such a manner! Also, I'm totally crushing on your handwriting 💁🏼‍♀️🤗

@GracefullyPlanned

4 жыл бұрын

I love her handwriting

I love this. Thank you. x x x x

So i discovered you today and feel so fortunate. watched both sinking funds videos. it totally makes sense i love it. so this might seem like a ridiculous question, and maybe i missed the video, but where or do you track set expenses? i know you code your calendar and it's on the note pages at the beginning of each month but lets take groceries. so you take cash out on saturday but was there a page that you set up to help you know what you should/could spend at the grocery store. now, i realize you are not a financial planner, but rather showing us erin condren. i was just wondering how you budget groceries, specifically. it seems like most tracking is for sinking funds. maybe i just need to print off the dave ramsey worksheets. just wondering if you planned budget in an erin condren. like how you worked out your spending cash and where you track your hair appointments and all. i guess what i'm trying to say is: do you track fixed expenses? my problem in the past is that my fixed expenses go up or change and then the main budget needs adjusting. sorry to ramble on.

Hi I am new to your channel I really loved this video.

Maybe you could track net worth on the pages after your sinking fund dots. You don’t have to share with YT, but it’s nice to see Net Worth growing. Thanks for sharing!

Thank you for this video. So easy to follow. I wanted to set ups budget book to keep everything in one place. This helps so much.

Jen, Erin Condren doesn't sell the gradient color strips in the size to fit the planners.....Her's are too long to fit in the box.....Any suggestions?

Just curious what made you select analog over digital for financial planning? Wouldn’t an Excel workbook be less work in manual calculations, because formulas do the math for you?

This is great, thank you for sharing! I’ve been semi-consistent with tracking a budget over the last couple of years, but intend to make this one of my top goals for 2020. This setup is going to be very helpful as I think about the best system for me. Quick question - I see that you are tracking monthly sinking funds and bills, but does this also include other monthly expenses such as groceries or gas? Where and how do you track these expenses? Apologies if I missed this in this video!

@JenPlans

4 жыл бұрын

No apologies needed! You didn't miss it! I use cash for groceries and dining out so those come out on Saturdays in that cash withdrawal. Gas I note on my bills page after I've spent it!

@agtstarbuck42

4 жыл бұрын

JenPlans ah, yes, cash! That makes sense. Maybe I just need to stop going to Target bc I always have a plan and then... I go to Target! 😂

I kept rewinding to see how you added extra note pages- how did you do that?? That's genius.