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Angie Budgets
United States
เข้าร่วมเมื่อ 8 ม.ค. 2012
Hey friends! I hope you will follow along as we budget our paychecks. We are trying to maximize savings for retirement & create multiple streams of income. We are debt free by using the Dave Ramsey method of baby steps & zero based budgeting. We have customized it to fit us in our current season of life. I would love it if you would subscribe & be part of the family!
YNAB Zero Based Budget, Money Map, Mindful Spending
Follow me as I budget our real life numbers. We are a debt free couple who love to travel. We use a zero base budget so that we can spend mindfully and save for retirement. Today we are budgeting the second week in January 2025. I’ve created a money map in order to help reach our goals. I hope that you will like, comment and subscribe. Thanks for watching!
มุมมอง: 26
วีดีโอ
New Year New Budget with YNAB
มุมมอง 13419 ชั่วโมงที่ผ่านมา
Hi I’m Angie and I love personal finance and budgeting. I hope you will subscribe & follow along as I use YNAB to budget our real income. We are trying to maximize savings & create multiple streams of income. We are debt free by using the Dave Ramsey method of baby steps & zero based budgeting. We have customized it to fit us in our current season of life. I would love it if you would subscribe...
Spending More Than We Made - July 2024
มุมมอง 2175 หลายเดือนก่อน
Hi I’m Angie and I love personal finance and budgeting. I hope you will subscribe & follow along as I use YNAB to budget our real income. We are trying to maximize savings & create multiple streams of income. We are debt free by using the Dave Ramsey method of baby steps & zero based budgeting. We have customized it to fit us in our current season of life. I would love it if you would subscribe...
February Paycheck 3 | YNAB Budget With Me | Dave Ramsey Inspired | Zero Based Budget
มุมมอง 27810 หลายเดือนก่อน
Hey friends! I hope you will subscribe & follow along as I use YNAB to budget. We are trying to maximize savings & create multiple streams of income. We are debt free by using the Dave Ramsey method of baby steps & zero based budgeting. We have customized it to fit us in our current season of life. I would love it if you would subscribe & be part of the family! Disclaimer- links in the descript...
January Spending Update YNAB Budget With Me Dave Ramsey Inspired Zero Based Budget
มุมมอง 8710 หลายเดือนก่อน
Hey friends! I hope you will subscribe & follow along as I use YNAB to budget. We are trying to maximize savings & create multiple streams of income. We are debt free by using the Dave Ramsey method of baby steps & zero based budgeting. We have customized it to fit us in our current season of life. I would love it if you would subscribe & be part of the family! Disclaimer- links in the descript...
February Paycheck 2 | YNAB Budget With Me | Dave Ramsey Inspired | Zero Based Budget
มุมมอง 42211 หลายเดือนก่อน
Hey friends! I hope you will subscribe & follow along as I use YNAB to budget. We are trying to maximize savings & create multiple streams of income. We are debt free by using the Dave Ramsey method of baby steps & zero based budgeting. We have customized it to fit us in our current season of life. I would love it if you would subscribe & be part of the family! Disclaimer- links in the descript...
February Paycheck 1 | YNAB Budget With Me | Dave Ramsey Inspired | Zero Based Budget
มุมมอง 74911 หลายเดือนก่อน
Hey friends! I hope you will subscribe & follow along as I use YNAB to budget. We are trying to maximize savings & create multiple streams of income. We are debt free by using the Dave Ramsey method of baby steps & zero based budgeting. We have customized it to fit us in our current season of life. I would love it if you would subscribe & be part of the family! Disclaimer- links in the descript...
YNAB Category Update| Transfer Tuesday | Budget Update | Dave Ramsey Inspired | Zero Based Budget
มุมมอง 31311 หลายเดือนก่อน
Hey friends! I hope you will subscribe & follow along as I use YNAB to budget. We are trying to maximize savings & create multiple streams of income. We are debt free by using the Dave Ramsey method of baby steps & zero based budgeting. We have customized it to fit us in our current season of life. I would love it if you would subscribe & be part of the family! Disclaimer- links in the descript...
Feb 1st Spreadsheet Budget | YNAB | Dave Ramsey Inspired | Zero Based Budget | Debt Payment | Invest
มุมมอง 38611 หลายเดือนก่อน
Hey friends! I hope you will subscribe & follow along as I use YNAB to budget. We are trying to maximize savings & create multiple streams of income. We are debt free by using the Dave Ramsey method of baby steps & zero based budgeting. We have customized it to fit us in our current season of life. I would love it if you would subscribe & be part of the family! Disclaimer- links in the descript...
Budget Update | YNAB | Dave Ramsey Inspired | Zero Based Budget | Debt Payment
มุมมอง 17711 หลายเดือนก่อน
Hey friends! I hope you will subscribe & follow along as I use YNAB to budget. We are trying to maximize savings & create multiple streams of income. We are debt free by using the Dave Ramsey method of baby steps & zero based budgeting. We have customized it to fit us in our current season of life. I would love it if you would subscribe & be part of the family! Disclaimer- links in the descript...
Paycheck Update | YNAB | Dave Ramsey Inspired | Zero Based Budget | Debt Payment
มุมมอง 17611 หลายเดือนก่อน
Hey friends! I hope you will subscribe & follow along as I use YNAB to budget. We are trying to maximize savings & create multiple streams of income. We are debt free by using the Dave Ramsey method of baby steps & zero based budgeting. We have customized it to fit us in our current season of life. I would love it if you would subscribe & be part of the family! Disclaimer- links in the descript...
Transfer Tuesday | Dave Ramsey Inspired | Debt Payoff | Low Income | Zero Based Budget
มุมมอง 8811 หลายเดือนก่อน
How much can I transfer today? I hope you will follow along as we save for retirement and invest in rental properties while living our best life! #retirement #reseller #budget #ynab #lowincome #zerobasedbudget
Motivational Monday | Dave Ramsey Inspired | Debt Payoff | Low Income | Zero Based Budget
มุมมอง 2011 หลายเดือนก่อน
Are you the tortoise or the hare? I hope you will follow along as we save for retirement and invest in rental properties while living our best life! #retirement #reseller #budget #ynab #lowincome #zerobasedbudget
Let's update our YNAB transactions. Dave Ramsey Inspired | Zero Based Budget | YNAB | Low Income
มุมมอง 8111 หลายเดือนก่อน
Did we over spend? Grocery shopping and eating out. I hope you will follow along as we save for retirement and invest in rental properties while living our best life! #retirement #reseller #budget #ynab #lowincome #zerobasedbudget
January 18th Paycheck Budget Plan: Spreadsheet | Zero Based Budget | Davy Ramsey Inspired
มุมมอง 7211 หลายเดือนก่อน
Hey friends! I will be planning our January 18th paycheck. I hope you will follow along as we save for retirement and invest in rental properties while living our best life! #retirement #reseller #budget #ynab #lowincome #zerobasedbudget
Are we going to make it?! 2024 Annual Budget: YNAB Spreadsheets: 2024 Financial Goals
มุมมอง 13011 หลายเดือนก่อน
Are we going to make it?! 2024 Annual Budget: YNAB Spreadsheets: 2024 Financial Goals
Happy Friday! Here listening at work
I really like the use of views to categorize the 60/20/20 budget. It’s another way to separate the budget without changing categories
Really enjoyed the video! The 60/20/20 method really has me thinking if i want to change my budget structure… i think i may do that next year!
I love YNAB. I didn’t adjust too much this year. Wife wanted to join a new gym this year so that was a new category.
I have the gym as a ‘want’ category however I feel it’s really important for overall health. I’m thinking of having a supplement category too. Currently those purchases are in my grocery category. Do you budget grocery/household together or separate?
@@angiebudgetsI do budget for groceries and household separately. I don’t do a need and want budget but I would view it as a need personally. Helps keep us healthy and promotes wellness
I really like the Money Map allocation. This reminds me of when Cody and I were doing the Pay Yourself First method, and also the 50/30/20 budget method.
Thanks! I love trying out different styles of budgeting.
hi angie :) just subbed & really enjoyed your video & budget looking forward to catching up on your past uploads too the 60 , 20 , 20 break down is a good idea ! i've never cruised before because i'm scared i'll get sea sick lol i just uploaded my 1st YNAB budget with me so wish me luck ! <3 selena
Hi Selena! Thanks for the sub! I normally don’t have issues with motion sickness (cars/rollercoasters) however I’ve never been on a large boat/ship. I’ll definitely subscribe to your channel. Good luck. I’m just starting back uploading. Hopefully we can grow our channels together!
New Subscriber! 👋 Hi Angie, Happy New Year! Your video popped up in my feed. I’m a fellow YNAB TH-camr! Hubby is 49 and I’m 48. We do still have kids at home & college. Happy to be here to follow along with your journey! 💕
Happy new year!! Thank you for subbing. I’ll check out your channel 😊
Wonderful budget video 😊❤
If your $30,000 emergency fund is fully funded, and you have another $6,000 in your cd ladder, you could take $6,000 from your emergency fund for your Ira and still have $30,000, just not in a single account.
Suggestion: I know that you said if you funded your “Dad’s” category yourself you would “forget that he needs to pay your back”. I have two strategies to counteract this (and both can work in unison): 1. Give that category $400 of your own money (or $600 if that is likely below the amount of any reimbursement cheque). If the available money is “less than your $400 float” he owes you (that is your signal to remind him to write the cheque twice per month). Furthermore, he owes you the exact difference between 400 less the available amount showing. 2. As soon as you pay for a grocery item on his behalf create a split SCHEDULE transactions for the equivalent positive amount that you Dad needs to pay you; just keep pushing it ahead in schedule transactions until the cheque arrives and then you can ‘enter now’ on the transaction. Each line of the split transaction would represent one purchase as it is ringed up at the cash register, then add another line for the next purchase, etc (so that you can make as many purchase as you need to in-between reimbursement cheques). This single split ‘as you go’ *scheduled* transaction automatically add up the total owes (provided you add to it with every purchase you make on his behalf). PS - You are definitely ‘switched-on’ enough that you could handle this scenarios (with your hands tied behind your back, I suggest 🤭). Could be work a shot. Give it a trial and see. (The Red colour does drives all us YNAB’er crazy 🤪; we can’t help but be a little obsessed over it). Ps - I like the strategies of max’ing out your IRA. I early retired age 50 and my husband did it at age 49 earlier than me (since he a a couple of years is older than me). Great job with the YNAB budget. I love, love, love it! 💕
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Thanks for watching 😊
I’m definitely a fan of maxing out all retirement contributions, not just the IRA as long as you’re living expenses and true expenses are covered. You look to be in great shape. Your $30,000 emergency fund seems a little high since your expenses are so reasonable. I think diverting some of those funds to the IRA seems like a very good idea. I’ll be watching to see what others say.
Hi Angie. We are in the same boat. I'm 51, hubby is 48 and we are aggressively savings for retirement and other savings goals.
Interesting with the CD Laddering, I might have to set some up for myself.
You should! There are several videos on TH-cam explaining it better than I did. Thank you for watching! 😃
Oh my. This looks so weird compared to YNAB4.
I’ve only used this version. Are you still able to use that version? Thanks for watching 😊
Great video 😊 For the medical, the target is on “Needed for Spending” so any rollover with think you met the goal. To correct this, you’ll want to change the target to “monthly savings builder” and that will alert you every month. Hope this helps
When I go to March, everything looks good. I’ll try changing it to the savings builder. Thank you for watching and the suggestion 😊
@@angiebudgets it will look correct because the system won’t know the difference until the 1st of each month. Once Feb 1st hit, the target thought it was satisfied because the money wasn’t spent but the monthly builder will help 😊
Great job 🎉🎉
Thank you!! 😁
Here listening Angie!
Thank you! I can’t wait to see your latest video 😁 happy Saturday
Love seeing this breakdown 😊 I totally understand not wanting to split things. After ynabing for about 3.5 years now, I’ll only break down what I want to keep an eye on. Groceries and household items I do keep separate though 😂 but maybe I should combine them 🤔 see ya next time 😊
Thanks for watching 😃 maybe I will start breaking those down. Just to see how much we actually spend on food. I know our eating out budget is a bit much but my husband works most of the time training drivers on the road. It’s so much easier for him to eat out.
@@angiebudgets you’re welcome 😉 my husband is an hvac tech so I understand the eating out at work, but I do split his lunch from dining out so if he can see if he’s spending too much
Great budget breakdown 😊❤
Thank you! 🤗
Hello! Here watching from work. I love seeing this breakdown!
Awesome! Thank you!
So I am currently 2 months ahead on my bills (except car insurance and day care) and it feels amazing. So my next 2 Feb checks will cover April's bills. I did this bc all my bills come out between the 6th and 10th and obviously I don't have all the money to pay them. Basically I used my 2 extra paychecks (from the 26 paychecks and added them in the future). Definitely do this bc it's less worry trying to match the paychecks with due dates.
That’s awesome! I hope to get ahead like you. You’ll see in my video tomorrow that the rollover was needed this week. Thank you for watching and commenting 😃
You can snooze the targets to get rid of the yellow warning when you move funded money from one category to another to cover overspending. New feature!
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Hey friend and watch partner! Here watching! ❤
Thanks for coming
Hello! Here watching at work. I love seeing how other people budget. I find it interesting!
Me too!! I love budgeting. I learn so much from others.
I am loving your videos ❤ We use YNAB as well and love the balance it gives to enjoy life and reach your goals 😊
Thank you! YNAB does make budgeting so much easier 😊
New subbie. Great video. Cool to see how YNAB works. 💕 from 🇨🇦
Thanks for subbing! I love YNAB. They offer a free 34 day trial with no credit card required if you would like to try it. Have a great day! Angie
Working and listening!! Have a great day!!!
Thank you! You too!
Hey Happy New Year. Great job on your budget breakdown! 🎉😊
Thank you!
Great job. I hate when I can only find a product I like at 1 store.
Thanks Ang! Happy Monday 😀
Hi! Here watching!
Hi Ang! Thank you!
You did great!
Thank you 😊