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Chat with Nicole and Budget
เข้าร่วมเมื่อ 22 ก.พ. 2024
Welcome to my channel where I have been working the Zero-Based Budgeting into my monthly plan on where my dollars go every paycheck! I use cash to pay for our weekly items such as groceries, save using Savings Challenges to keep myself motivated enough to hopefully stay on track to reach my goals! I have Student Loans of $60+k, Credit Card Debt that fluctuates and a mortgage of over $400k. I hope youll subscribe and join me on my savings journey!!
Stuffing $150 into the Christmas Savings Binder
Saving $150 into the Christmas Binnder! Lets complete a challenge….or maybe 2!
Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey!
Here are the Etsy Shops, TH-cam Channels and Challenges used or mentioned in this video:
Ellie, TH-cam: @EllieOnEarth
Etsy: www.etsy.com/shop/EllieOnEarth
Nessa Budgets
www.etsy.com/shop/NessaBudgets
My Etsy Shop is officially OPEN!! Super exciting!
chatwithnicolebudget.etsy.com
Fun Savings Challenge
www.etsy.com/shop/FunSavingsChallenge
Budgeting with Jenni
www.etsy.com/shop/BudgetingWithJenni
Luna Light Printables
www.etsy.com/shop/LunaLightPrintables
Sisters on a Budget
www.etsy.com/shop/SistersOnABudget
Simply Living Saves
www.etsy.com/shop/SimplyLivingSaves
Star, TH-cam: @Budgeting4Me
Etsy: www.etsy.com/shop/Budgeting4Me
Erica, TH-cam: @EricaBudgets
Etsy: www.etsy.com/shop/ericabudgets
Other links:
My Etsy Shop is officially OPEN!! Super exciting!
chatwithnicolebudget.etsy.com
Cute new unicorn dice roller:
www.etsy.com/listing/1593702838/pink-unicorn-dice-tower-kids-dice-tower?ref=yr_purchases
My Google Drive Freebies Folder:
drive.google.com/drive/folders/1u3RDlm7cgLc-qFMGz4-gwnBS5dteAwCS?usp=drive_link
I love snail mail!! If youd like to reach out, below are 2 ways to do so:
Chat with Nicole and Budget
PO Box 861
Beaumont, CA 92223
My email is chatwithnicoleandbudget@yahoo.com
**Please Note: I am in no way a financial advisor. I am only sharing with you what is working (or not working) for our household. Please consult a professional for any financial advise.
#budget #budgeting #budgetwithme #savingschallenges #sinkingfunds #cashstuffing #cashenvelopes #cashenvelopestuffing #savings #savingstracker #howtobudget #howtobudgetandsavemoney #debt #debtfree #debtfreejourney #studentloans #creditcard #creditcarddebt #howtosavemoney #cashenvelopestuffing #cashenvelopesystem #cashenvelopewallet #cashenvelopebudgeting #zerobasedbudget #zerobasedbudgeting #daveramsey #Budgetwithme #SaveWithMe
Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey!
Here are the Etsy Shops, TH-cam Channels and Challenges used or mentioned in this video:
Ellie, TH-cam: @EllieOnEarth
Etsy: www.etsy.com/shop/EllieOnEarth
Nessa Budgets
www.etsy.com/shop/NessaBudgets
My Etsy Shop is officially OPEN!! Super exciting!
chatwithnicolebudget.etsy.com
Fun Savings Challenge
www.etsy.com/shop/FunSavingsChallenge
Budgeting with Jenni
www.etsy.com/shop/BudgetingWithJenni
Luna Light Printables
www.etsy.com/shop/LunaLightPrintables
Sisters on a Budget
www.etsy.com/shop/SistersOnABudget
Simply Living Saves
www.etsy.com/shop/SimplyLivingSaves
Star, TH-cam: @Budgeting4Me
Etsy: www.etsy.com/shop/Budgeting4Me
Erica, TH-cam: @EricaBudgets
Etsy: www.etsy.com/shop/ericabudgets
Other links:
My Etsy Shop is officially OPEN!! Super exciting!
chatwithnicolebudget.etsy.com
Cute new unicorn dice roller:
www.etsy.com/listing/1593702838/pink-unicorn-dice-tower-kids-dice-tower?ref=yr_purchases
My Google Drive Freebies Folder:
drive.google.com/drive/folders/1u3RDlm7cgLc-qFMGz4-gwnBS5dteAwCS?usp=drive_link
I love snail mail!! If youd like to reach out, below are 2 ways to do so:
Chat with Nicole and Budget
PO Box 861
Beaumont, CA 92223
My email is chatwithnicoleandbudget@yahoo.com
**Please Note: I am in no way a financial advisor. I am only sharing with you what is working (or not working) for our household. Please consult a professional for any financial advise.
#budget #budgeting #budgetwithme #savingschallenges #sinkingfunds #cashstuffing #cashenvelopes #cashenvelopestuffing #savings #savingstracker #howtobudget #howtobudgetandsavemoney #debt #debtfree #debtfreejourney #studentloans #creditcard #creditcarddebt #howtosavemoney #cashenvelopestuffing #cashenvelopesystem #cashenvelopewallet #cashenvelopebudgeting #zerobasedbudget #zerobasedbudgeting #daveramsey #Budgetwithme #SaveWithMe
มุมมอง: 1
วีดีโอ
Lets put $40 to the Month Ahead Binder
มุมมอง 4416 ชั่วโมงที่ผ่านมา
$40 to the Month Ahead Binder Month Ahead Explanation Video: th-cam.com/video/YZuTR 6_O8/w-d-xo.html Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Other links: My Etsy Shop is offic...
Happy FriYAAAAY! $100 to the Game Day Binder!
มุมมอง 444 ชั่วโมงที่ผ่านมา
Adding $100 to the Game Day Binder to put towards the Credit Cards! Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are the Etsy Shops, TH-cam Channels and Challenges used or men...
Finishing some ABC Challenges with my helper!!
มุมมอง 267 ชั่วโมงที่ผ่านมา
Adding $109 to Fayfee’s ABC Challenge and finishing some with my beautiful helper! Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are the Etsy Shops, TH-cam Channels and Challen...
Budgeting my 2nd W2 of August...plus a bit more
มุมมอง 437 ชั่วโมงที่ผ่านมา
Budgeting my paycheck and Room Renter #1’s payments and stuffing $956 into my envelopes :) Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Other links: My Etsy Shop is officially OPEN...
Countdown to Christmas! Love this Packet!!
มุมมอง 5012 ชั่วโมงที่ผ่านมา
Adding $65 to the Countdown to Christmas Packet Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are the Etsy Shops, TH-cam Channels and Challenges used or mentioned in this video...
Spicy Monday Mini's with some help :)
มุมมอง 6414 ชั่วโมงที่ผ่านมา
My daughter is helping me today with our Spicy Monday Minis!! Lets finish a challenge or maybe even 2!!! Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are the Etsy Shops, TH-ca...
Lets Cash Condense binderw with $515
มุมมอง 12114 ชั่วโมงที่ผ่านมา
Lets get these Binders condensed!! Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are the Etsy Shops, TH-cam Channels and Challenges used or mentioned in this video: Sloth Puzzl...
Game Day FriYAAAYYY!!
มุมมอง 5321 ชั่วโมงที่ผ่านมา
Game Day FriYAAYY!! Adding $150 today into this binder :) Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are the Etsy Shops, TH-cam Channels and Challenges used or mentioned in ...
$105 to Fayfees ABC Challenge
มุมมอง 38วันที่ผ่านมา
Lets finish another letter in Fayfee’s ABC Challenge! Dont forget to comment YOUR vote! Below are the Letter Options available Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are...
Budget With Me! PLUS Countdown to Christmas Booklet!
มุมมอง 56วันที่ผ่านมา
Budget With Me PLUS starting the Countdown to Christmas Booklet! Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are the Etsy Shops, TH-cam Channels and Challenges used or mentio...
Doggy Binder Day!
มุมมอง 54วันที่ผ่านมา
Today we are adding $71 into the Doggy Savings Binder! Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are the Etsy Shops, TH-cam Channels and Challenges used or mentioned in thi...
Lets finish 1 or 2 Spicy Monday Mini's Challenges!!
มุมมอง 49วันที่ผ่านมา
Adding a total of $50 today into our Monday Mini’s Binder! Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are the Etsy Shops, TH-cam Channels and Challenges used or mentioned in...
Savings Goals Binder! $150 in, 2 Challenges out :)
มุมมอง 6914 วันที่ผ่านมา
Finishing 2 challenges today with $150 Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are the Etsy Shops, TH-cam Channels and Challenges used or mentioned in this video: Jo and ...
100 Envelope Challenge - $187
มุมมอง 4014 วันที่ผ่านมา
Lets add $187 to the 100 Envelope Challenge and complete 4 envelopes!! Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are the Etsy Shops, TH-cam Channels and Challenges used or ...
How much of a debt payment can we make by the end of this video?
มุมมอง 5214 วันที่ผ่านมา
How much of a debt payment can we make by the end of this video?
Finishing my first letter on the ABC Challenge!
มุมมอง 4814 วันที่ผ่านมา
Finishing my first letter on the ABC Challenge!
An Extra Spicy Monday Minis! $30 + $15 + $5
มุมมอง 5914 วันที่ผ่านมา
An Extra Spicy Monday Minis! $30 $15 $5
Reviewing Completed Challenges from July!
มุมมอง 6121 วันที่ผ่านมา
Reviewing Completed Challenges from July!
Leftover $2 from Fayfee's ABC Challenge...How did that happen?!
มุมมอง 4021 วันที่ผ่านมา
Leftover $2 from Fayfee's ABC Challenge...How did that happen?!
Budget With Me | 3 payments and quite a bit of whiteout
มุมมอง 6721 วันที่ผ่านมา
Budget With Me | 3 payments and quite a bit of whiteout
Lets chat and play with $100, into my Savings Goals Binder
มุมมอง 6421 วันที่ผ่านมา
Lets chat and play with $100, into my Savings Goals Binder
Game Day FriYAY!! Lets play with $200 and see where it gets us!
มุมมอง 5528 วันที่ผ่านมา
Game Day FriYAY!! Lets play with $200 and see where it gets us!
Great stuffing! ❤
Hey Love! ❤😊 It's always interesting to see how other people approach their savings goals! For example, I'm thinking of starting a savings snowball myself for sinking funds i can't 100% focus on. However, i prefer saving in lump sums for things like month ahead instead of breaking it up by bill. 🤔 May i ask how you chose $40 to start your snowball? Also why did you choose to save a different way for your mortgage? Hope I'm not being too nosey😂😅
Hi lovely video thx for sharing im definitely doing this❤
You totally should!! I honestly didnt think it was going to "snowball" so quickly!! Im really hoping to complete this by the end of the year!
Have a great weekend!💚😇
Thank you! You too 🥳🥳🥳
♥
Hi! 🥰💝💝
Great job. Keep pushing at it!, TFS!!
Thank you so much! 😁🤗🤗
Q
Thank you for your vote 🥰🥰 Ill add it to the list 💗
Hello Nicole, Happy Fry-yay 😊
Friday couldnt come fast enough!! 🤣🤣 this was a crazy busy week! I hope you have a great weekend! 🥰🥰🥰
Hey hey Love! ❤😊 Okay the marker is light! My apologies. I didn't see them on the 3s in your last video. 😅 I had to reallocate & stop all my games for this year. 😭 It hurt my feelings, but life is definitely lifing these days. 🫠 Remember anything saved is something saved! ❤😊
Im sadly working on that in Sept, less income but youre totally right! $1 saved today is more than yesterday 😁🤩🤩🤩🥰
❤❤❤❤❤
Thank you for your support!🤗🥰🥰
L
Thank you Laura! Is that your favorite letter? 🤭🤪 I added your vote 🥳🥳🥰
Happy Thursday, ladies 😊
Hi Loletha 🥰🥰🥰Every week you can vote what letter to add that week’s extra $5. 💝The letter options are in the description. Wanna vote for a letter this week?
L
Thank you for your vote 🤗🤗
Hey Loves! ❤😊 Geeze this is a hard vote. 😅 I'm going with F for flowers. Lovely daughter is a VERY close second.
I know right! These alterations are nice ones ☺️💝 I got your vote noted 🤩
Just a suggestion the O letter can mean Oh my god/ oh poop (for emergency fund)
Ooo! I love that idea! Thank you!! ☺️ Do you want to vote a letter for this weeks extra $5?
@@ChatWithNicoleandBudget I vote it for F- flowers for yourself 💐
F-flowers for yourself ❤ you deserve it 💐💐💐💐💐
Got your vote 🤗🤗
💜💜💜 happy Wednesday my friend 😊. Here watching 💜💜💜
Hi Kathy 😁💝
Great job!! Balancing your expenses is an A+++👍🏽
Its alot of work but sooooo important to stay on top of 🫠😵💫😅
Ah was about to compliment the new set up. 😂😂😂 At least you have a mini vacation. ❤😂 Are those erasable pens? White out & i don't seem to go together & I'm ironically a leftie that loves gel pens. 😅
It has been like a mini vaca! We went to an arcade and for some ice cream 🤗 I love spending time with her 🥰💝 the pens are from amazon but theyre not erasable, thatd be cool tho 🤭🤭
❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤❤
Here watching! ❤ Have a wonderful day! 😊
Hiii! 🥰🥰🥰 I hope you have a great day too! 💗
I love real trees before they develop their death daggers when they dry out. So i use artificial.
The “real tree” smell is what gets me so I end up buying alot of candles from BBW at Christmas time 🫣🤣🤣
Hi Nicole. Here catching up on some videos. This video was so fun with your daughter. I loved all the giggles. 💚
Happy Tuesday! 🌸💗🌷
Hey Christine! What a crazy Tuesday Ive had! Stay tuned to my video tomm lol
Hi friend 👋🏾 #barbieheresupporting
Hiiii!! thank you so much for your support!!
💜💜💜 Happy Monday my friend 😊. This was so fun to watch with your daughter with you 😊. I hope you two have a lovely dinner together 💜💜💜
Thank you Kathy! The years flew by so quick! At first I couldnt believe shes in college already! But now she only has 1 year left n will hopefully graduate in May! I just have no words 🤭🫠Im excited for her to be home for good tho!🤗🤗🤗🙏
Hey! So sweet that your daughter joined! Great video!!
It took forwver to get her to agree🤪🫠she was acting shy but shes usually soooo far from being shy lol
Such a sweet video!
Thank you!🥰🥰
❤❤❤❤
😊💝
Happy Monday! Such a fun video to watch, great job guys!😊😊
Thank you! 🥰💝💝💝
Love the tiny assistant support ❤😂
😅😅thanks!! Shes my baby….even at 20 🤣😊
Nicole, Happy Monday! Hello daughter, nice to see your daughter helping you. Learning about money never stops.
Thank you! Ive been trying to get her to join a video since she gotbhome from college a couple weeks ago 😅😅😅
Hi Nicole, Happy Monday!
This weekend flewww by! Hope you have a great week ahead!🥰🥰
Happy Sunday, Nicole 😊
Hi Loletha! Hope you had a great weekend! 🥰🤗🤗🤗
💜💜💜 happy Sunday my friend 😊. Awesome condensing video 🎉. They are not easy and you kept it all straight 😊. Great job 💜💜💜
Ahhh man it gets sooo confusing 🤪🤪im constantly double checking myself 🤣
Hello Love! Happy Sunday ❤😊 You did a great job keeping track of all the exchanges! Bills that are facing the wrong way somehow affects my counting.... even in a stack of the same bills. 😂😂😂 OMG my bank ATM now dispenses $10s & it is SO nice not having to break $20s all the time. 🤪
Yesssss!!! Its true! If they’re flip-flopped or backwards, I for some reason, just cannot count it correctly🫣🫠
New subscriber to your channel. Erica budget’s suggested your channel in one of her videos. I’ve binge watched some of your videos from a month back until today. Looking forward to following your journey. TFS! 😃
Aweeeee Erica’s THE sweetest!! 🤗🤗🤗Thank you so much for subscribing and coming along with me!🥰
Good Morning Nicole. Great video.
Thank you! 😊😊😊
Happy Friyay, Nicole😊
Happy Friyay 🤩🤩
Hey Nicole! ❤😊 There are more 3s down the lefthand side (one at the top & a couple in the middle) and the right-hand side (towards the middle/bottom) of the challenge 😊
Ahhhh!!! Ill have to double check a lil better next week before i start the 2s🤭
💜💜💜 Happy Thursday my friend 😊😊. Congratulations on finishing one of the letters!!!!🎉🎉. I say put the five into kiddos! 💜💜💜
Thank you for your vote Kathy! Ill add it to my list :)
Aw that Was so much fun to watch!!
Im so happy you enjoyed it! This is one of my favorites :)
Hey hey Love! ❤ Glad you solved the case of the $2 😂 Such great progress! ❤🎉 I vote E for emergency fund
ahhhh man! I had to put on my detective hat for that! hahaha Ill add your vote to the list, thank you Hailey!
I for Insurance ❤
Thank you Sofia! Im writing your vote in :)
Hi Nicole, happy Thursday!
Happy Thursday!! Do you want to vote for one of the letters for where to add this week's extra $5?
@@ChatWithNicoleandBudget yes! E for emergency 🚨😊
@@ChatWithNicoleandBudget yes! E for emergency🚨😊
Got your vote noted 🥰🥳
💙💙
Thank you for your support :) Do you want to vote on a letter to add the extra $5 to?
💜💜💜 Happy Wednesday my friend 😊 great savings today 💜💜💜
Thank you! This new booklet is sooo cute! 🤗🤗
Happy Wednesday, Nicole 😊 Cute envelopes for the Christmas book!🎄🎅🏾
Thank you! I love doing anything arts n crafts related 😊
It was an amazing video ❤🎉❤
Thank you so much! I always have so much fun making them🤭 Im happy to hear you enjoy them just as much!!
❤❤❤❤❤
😊💝