100% agree with you about eating out. Our family loves to eat out but lately, we can't justify it... the cost far outweighs the value.

I agree about the going out. We are at the opposite end, 3 teenagers and they definitely want to eat so going out means they're all getting adults meals which really adds up!

I LOVE going out to eat, but try to only go about 1X a month with friends. Congratulations on becoming half millionaires! 🎉

Oohhhoo look at y'all! So exciting! Congratulations on this achievement Marissa & Jacob! Road to millionaires 😃😃🤍

Congratulations Melissa! I started following your channel when I was paying off my grad school loans (done!) while living in Vancouver, WA and have followed your journey since. Our family moved back home to Phoenix, AZ a couple of years ago and love it here but miss the PNW in the summers. We're expecting our third daughter in November (bring on 3 under 3!). Fun parallels! Have a great summer!

So exciting!!! Congratulations!We’re right behind you guys - I love watching your videos because our finances are so similar. We also don’t eat out often as a family of 3 because we have a 2-year-old. But my husband and I (together or with friends) still somehow spend a decent amount on eating out 😬

If you’re just looking for convenience for easy meals try grabbing some Costco premade meals. They’re more expensive than ingredients, sure, but you toss it in the oven or whatever, less dishes/time and they’re usually pretty good! You’re still saving $$ by not eating out but you don’t have to cook. 😊

the outgoings is pretty good for how much you make and put away in 401k etc. I find with older kids the costs just seem to go up, we're trying to keep costs down, save more and put more away for retirement, etc. Not always easy to do!

Good to know … Mesa house built in 2017 and I hated that there were NO window sills ! No trim around windows at all ! Builders here are soooooi cheap ! I paid to add trim and Sills ( flat wood) /painted to all of our windows and a LOT of crown molding to our 10/12 foot ceiling … I love it BUT I had to pay it all out of pocket .. glenda

Congratulations!!! Be proud ! 💖💖💖

Hi Marissa. A video idea i thought of is doing a video on how to get started on youtube. Like how do you record your videos, how do you edit?

@PacisEritVobiscum

3 ай бұрын

Especially the screen recording and how you time it with your own recording.

agree, we have an almost 2 and 4 yr old (both birthdays in Sept). for my almost 2 year old, we don't get him anything. he just eats from both of our plates at a sit down restaurant (unless its like fast food we'll get his own hamburger). Our almost 4 year old we do get her a kids meal, but most the time she wont eat either unfortunately lol

I don't like the corners rounded either. There is no way to paint an accent wall because the wall never ends!

I still love eating out, we mostly do takeout and it’s still worth it to me even though it’s expensive, with groceries also being so expensive it feels like a wash and still much more convenient. We have a 6 and 2 year old. We either still make the kids home food if it’s a cuisine they don’t appreciate or we get one kids meal and they share or the 2 year old eats off our plates. We eat out average twice a week!

We eat out when we travel .,, and only when no other options … but once a year on our birthday we splurge and have a amazing meal but we are grandparents so no kids allowed just a date night ! ❤Glenda

Congratulations! 🎉 whats your next goal for net worth?

Can you do a short to show rounded corners? I’ve never heard of this (I’m from Georgia) and I’m so curious!

I really can’t fathom how your utilities are so low. We are in Phoenix and between natural gas and electric we average $500 which just went down. It was $620 a month. We have a pool but at our old house with no pool and only 1800 sq ft with no gas and it was like $400 a month. We do the monthly averaging. So each month is the same cost.

Hey Marissa, I know once in a video you talked about doing insurance through a Christian share program? Do you still do that/do you recommend the company? If so could I please get the info from you? Thank you!!

Congratulations!!! 🎉🧡

@bwillsboys

3 ай бұрын

Big car loans

@bwillsboys

3 ай бұрын

No car loans.. I see it

Also agree with eating out. It’s totally not worth it anymore. Groceries are expensive but you’re still much better off to spend extra there than eat out.

Hi. Question about the HYSA. FDI insured, is that per account held with same institution or only 1 account per institution? TIA

Hi, I’ve been watching a lot of budgeting content, i notice some do their expenses against their available checking balance like in YNAB, and some do against their net income. I’m not sure what the advantages are of each way but getting confused. I’ve just been tracking all my spending and categorizing like rent, gasoline, groceries etc then have two main header sections “basics” and “lifestyle”. This way i know if something has to go i can focus on the lifestyle since i could live without Netflix. But not sure about the positive values, net income versus checking account balance.

Congratulations 🎉 🎊 👏

I have a question on the Savings section that I'm not clear about. If you take the Emergency Fund for example, am I right to say that you are budgeting to save $1,257 but you actually only saved $1,044.75? And is Spent mean you spent $126.17 out of your beginning balance? But that doesn't make sense because the difference between Ending Balance - Beginning Balance = $1,170.92 or does this also take into account the 5% interest? So is the calculation Budget - Actual - Spent + 5% interest?

We didn’t eat out as a family for like 15 years when the kids were younger. I took the kids by myself to taco shops or something easy every once in a while. Now that the kids are older we go out but they pay for themselves! 😅 Youngest is 16!

Since you save monthly for your property taxes and insurance does that mean you didn’t escrow?

When we go out to eat and its not a date night i just order our kids fries or Mac and cheese to spilt. Id rather feed them at home 😅

When it comes to calculating your total net worth, how do you estimate the value of your vehicles and how often do you confirm that number for depreciation? Thank you!

@TheBudgetingWife

3 ай бұрын

I use Kelly Blue Book!

The $8000 for taxes was put under Spent (-), but the total ending balance went up?

@TheBudgetingWife

3 ай бұрын

So sorry I didn’t explain!! I transferred $8k from my business account straight to my tax savings account. It didn’t go to my income draw that I take from my business. So it was a positive addition to the fund but in that column because it wasn’t part of the income we took home.

@InTheBlack101

3 ай бұрын

@@TheBudgetingWife I was confused by this too. Thanks for explaining.

How did your sinking funds jump up $8000 in one month?

@TheBudgetingWife

3 ай бұрын

Adding to my tax fund. I contribute to that straight from my business so it’s not in my income “take home pay”.

Hey! I am just wondering if you have a separate account for each savings line item?

@TheBudgetingWife

2 ай бұрын

Hi! We keep the grand total of all sinking funds in one bank account and then the total of the ones I mentioned in our high yield savings account!

Congratulations ❤ can I ask how old you and your hubby are and when you started your roth ira?

@TheBudgetingWife

3 ай бұрын

I started contributing $200/months ago to my Roth in 2018 when I was 24!

Hello!! What life insurance company are u with

@TheBudgetingWife

3 ай бұрын

We are USAA members and signed up with them years ago! I’ve recently worked with Ethos Life and they are wonderful too for affordable term life insurance!

Me crying in my NY 500-800$ electric bill 😢

@MakeupModaVida

Ай бұрын

Andddddd Congratulations!!!! Been here since the beginning this is womderful!!! 🎉🎉🎉🎉

They definitely knew they did it wrong 😮

Your housing is $2,700 a month

@TheBudgetingWife

Ай бұрын

Yes... It is... lol

❤❤❤