Its crazy to admit but I have NEVER lived on a budget and finally realized (while watching your video) why when I get out of debt, I get right back into debt! so simple! Thank you!
This is exactly how I budget so I’m so glad to see that this way is common . I’ve been watching some other budget videos out of curiosity and automatically 2mins in , I instantly get overwhelmed lol . Some people honestly do WAYYYY to much .. I get the fancy stickers and colors but whewww .. it’s exhausting to even watch . But I get it , some people have more bills than others . Since I’m very minimal and don’t have any consumer / credit card debt this simple way works for me . Thanks for sharing !
Awesomeness! I've avoided making a budget due to the complexity of em and honestly being forced to face the truth of my spending habits. Numbers don't lie but I do ofttimes telling myself I have more money to splurge than I actually do. Thank you for sharing this simple yet very powerful Budget tutorial that even a Fraidy Cat like me can face, grasp, and apply. Btw, you have a calming, nice speaking voice and very pretty hands.👍🏽🙂
This is GREAT! I've shown it to my students at Djarragun College in Cairns, Australia. All of them watched, riveted and wrote it down as you did! Thank you!!
I have been browsing and mentally calculating how to manage my budget. Finally I got the right video. You made it so simple and realistic and I loved every inch of your video. You nailed it. Hats off to you 😊
I have watched this vid multiple times and have shown it to my friends. Really clear and to the point. I wish I had this when I rented for the first time as an 18 year old and wondered why we got kicked out for not being on top of bills lol. Back then I did not know what budgeting was.
Budgeting always seemed very complicated to me. I asked my husband to sit down & help me make a budget, but he said he didn’t want to live on a budget. Now that we’re not living together, it’s essential for me to make a budget and stick to it! I finally have the freedom to make a budget. (Sounds,weird, I know, but I’m pretty stoked about it!)
Thank you I started budgeting at the end of 2019 and found that I had notebooks laying around I wasn't using and put them to use I feel that as long as you're keeping track of what you spend and save is simple enough for me even though the stickers look cute this is a awesome way to do it without making it difficult. God bless you and your family
Nice Budget template. I have been budgeting for a while now. I have made a video on my budget template..please check it out as well th-cam.com/video/WO3V_8rvS5I/w-d-xo.html
Thank you so much! I have been trying all these sophisticated budgeting apps to no avail. I am now going to stick to simple to use handwritten paper budget. Be blessed. You earned a like and a subscriber. Who else is walking the budgeting journey with me in 2024? Super glad while at it!😊
DUDE!! Thank you so much!! I was doing terribly trying to "feel out" a budget and kept having to borrow money from my parents, but now I feel much more confident in my abilities now I've written out an /actual/ budget! Thank u sm
I've watched many TH-cam tutorials about making a budget. Thank you for doing this so simple idea that doesn't need anything more than a pen and paper , plus a calculator if you want one 😀
This video helped me understand what a budgeting plan is, because tomorrow I have an exam about it and I didn't understand the teacher. This video helped me a lot, thank you! Wish me luck!
Whoo-whoop!!📃🖋️ pen and paper is _awesome!_ This is so simple. When I was not doing it I was making it too hard or just trying to bury my head in the sand.
I was watching so many different budget videos and so overwhelmed by all the info. Your video made it so simple and I feel like I can actually start my budget now without getting so confused!
Wow I love how easy and simple you put this. The only video so far that explains everything so smoothly! Definitely incorporating this info into my budgeting!! Thank you ❤️❤️❤️
Thank you for posting this method of budgeting. I liked the facts you used realistic numbers especially the take home income. May you continue to use your talent to inspire others.
As a adult who never learned how to budget, this was a really great video to show me the basics. Like, everything sounds so simple, but seeing you do this made everything connect.
❤ Awesome Video as always! 🌟 I really enjoyed the way you explained it. Tips For Creating An Effective Budget- 1. Know The Purpose Of Your Budgeting 2. Make an Irregular Expense Plan 3. Know Your Income 4. Determine Your Monthly Spending 5. Set Reasonable Goals 6. Track Your Spending 7. Try Out Different Budgeting Plans 8. Create An Emergency Fund 👉 Stay connected & keep up the great work.
THANK YOU!!! I'm in my 20s barely and ever since i got my 1st part time jobs i always wonder where my money goes! I decided to start budgeting, and I got a simple digital planner, problem was I did not know how to use it 😅 your video was SO helpful thank you!
Hi! I guess I’m wondering how do you calculate an unexpected expense in a month? Like maybe a hospital bill or something? How do you add that or measure that into a monthly budget with an unknown?
Thank you so much for this. I have been saying for so long now, that I just need to find a very SIMPLE Personal Budget Plan and you have just helped me to🙌🏾💃🏻🙏🏾🙏🏾
My mother always does this when it comes to financial literacy. She used to show me how she writes down her budget just like in the video, so I'ma try to do the same because I need help with saving money and manage money at the same time, and speaking of saving money, do you have a video of tips of saving money? I would like to watch and learn how to save money because I am eating all of my money up, which is not good at all, and it's getting old, and I want to do better with my money financially.
Great vid and to the point!!!! Only thing I would add is always pay yourself first. Savings should be #1 on the list no matter what. Have a plan for your savings it does no good just sitting in the bank. 6-12 months worth of savings in case of an emergency. Once 6-12 months is saved, leave it alone. Now instead of saving money out of paychecks save now to invest in knowledge (courses, books, school) that can bring in more income, saving to buy real estate etc.
Thank you so much for this information I can’t wait to put what I’ve learned to use. Though this video is a few yrs old STILL VERY USEFUL! Thanks again and Happy New Year ❤🎉
Meh. Not necessarily. If you have money left over between checks then sure you can spend it. This method is simply something to implement to better manage paychecks for those who struggle.
No, you would budget for those just like you would budget for rent or mortgage, electricity, etc. Food and gas are definitely not optional so you would just make two line items in your budget for those two categories!
Happy Tuesday Shay!.... so I have a question... once this is all established, how do you go about breaking check down to where it matches this budget. I think that’s where I always get stuck....
OK so I like to divide up our bills and expenses so the same amounts are coming out of each paycheck. As an example, rent comes out of our first paycheck or at the beginning of the month so I have our student loan payments & some of our other bills coming out the second paycheck or around the third week of the month. I did this by calling some of the companies and asking if I could move my due dates which is typically free of charge. I just find it easier that the same amount of bills and expenses are coming out of each paycheck. Does that make sense? I think I have a video about this in fact
Shay Budgets I think calling to change a few dates will help my bills line up with my checks. I’m going to do that and also I saw that you have some paycheck to paycheck budgets as well! I’m determined to get this down lol 💪🏾
Its crazy to admit but I have NEVER lived on a budget and finally realized (while watching your video) why when I get out of debt, I get right back into debt! so simple! Thank you!
Check out Dave Ramsay's baby steps. If you don't control your money, money will control you.
Best wishes ❤
So simple. Most straightforward example I have seen. Clear and concise. No preaching. No rambling. Thank you so much.
Frugal minimalism is the new movement for us. I am over 40 years of age and refuse to blow money on stuff I don't need.
This is great because it’s simple so people will stick to it. And not everyone can afford to buy stickers every month.
It is so tacky to link your link on someone else’s video unless asked to do so
This is exactly how I budget so I’m so glad to see that this way is common . I’ve been watching some other budget videos out of curiosity and automatically 2mins in , I instantly get overwhelmed lol . Some people honestly do WAYYYY to much .. I get the fancy stickers and colors but whewww .. it’s exhausting to even watch . But I get it , some people have more bills than others . Since I’m very minimal and don’t have any consumer / credit card debt this simple way works for me . Thanks for sharing !
Awesomeness! I've avoided making a budget due to the complexity of em and honestly being forced to face the truth of my spending habits. Numbers don't lie but I do ofttimes telling myself I have more money to splurge than I actually do. Thank you for sharing this simple yet very powerful Budget tutorial that even a Fraidy Cat like me can face, grasp, and apply. Btw, you have a calming, nice speaking voice and very pretty hands.👍🏽🙂
This is GREAT! I've shown it to my students at Djarragun College in Cairns, Australia. All of them watched, riveted and wrote it down as you did! Thank you!!
I have been browsing and mentally calculating how to manage my budget. Finally I got the right video. You made it so simple and realistic and I loved every inch of your video. You nailed it. Hats off to you 😊
I have watched this vid multiple times and have shown it to my friends. Really clear and to the point. I wish I had this when I rented for the first time as an 18 year old and wondered why we got kicked out for not being on top of bills lol. Back then I did not know what budgeting was.
Budgeting always seemed very complicated to me. I asked my husband to sit down & help me make a budget, but he said he didn’t want to live on a budget. Now that we’re not living together, it’s essential for me to make a budget and stick to it! I finally have the freedom to make a budget. (Sounds,weird, I know, but I’m pretty stoked about it!)
It gives you control, so well done.
Yes independent queen. Happy for u💕
That’s amazing. There’s a lot of freedom that comes with knowing where your money goes and why
🙌
Im happy for you!! Get it girl👏🏽🌸
Writing things is a better way to remember and stay on track,
I wish my rent was $600‼️. Gurl your fun is half your rent I know that’s right😁love the simplicity of this budget
Thank you I started budgeting at the end of 2019 and found that I had notebooks laying around I wasn't using and put them to use I feel that as long as you're keeping track of what you spend and save is simple enough for me even though the stickers look cute this is a awesome way to do it without making it difficult. God bless you and your family
Nice Budget template. I have been budgeting for a while now. I have made a video on my budget template..please check it out as well
th-cam.com/video/WO3V_8rvS5I/w-d-xo.html
Thank you so much! I have been trying all these sophisticated budgeting apps to no avail. I am now going to stick to simple to use handwritten paper budget. Be blessed. You earned a like and a subscriber. Who else is walking the budgeting journey with me in 2024? Super glad while at it!😊
DUDE!! Thank you so much!! I was doing terribly trying to "feel out" a budget and kept having to borrow money from my parents, but now I feel much more confident in my abilities now I've written out an /actual/ budget!
Thank u sm
I've watched many TH-cam tutorials about making a budget. Thank you for doing this so simple idea that doesn't need anything more than a pen and paper , plus a calculator if you want one 😀
I hit the like because this is the easiest way to budget I see on youtube
Super excited to binge-watch all things budgeting as we start this journey to being debt free
I became debt free April 2020. Greatest feeling ever
@@DT-un3bu That's awesome! I look forward to being there soon!
This video helped me understand what a budgeting plan is, because tomorrow I have an exam about it and I didn't understand the teacher. This video helped me a lot, thank you! Wish me luck!
Whoo-whoop!!📃🖋️ pen and paper is _awesome!_ This is so simple. When I was not doing it I was making it too hard or just trying to bury my head in the sand.
Thank you 😊 BEST VIDEO about budgeting, I've seen, no blah, blah, blah, just this is how you do it, period! Love it
I was watching so many different budget videos and so overwhelmed by all the info. Your video made it so simple and I feel like I can actually start my budget now without getting so confused!
Yeah … same here
This is one of the most simple budgeting videos I’ve come across that actually seems doable! Thank you!!
Wow I love how easy and simple you put this. The only video so far that explains everything so smoothly! Definitely incorporating this info into my budgeting!! Thank you ❤️❤️❤️
Omg new subbie here!! I needed to see someone actually do this and I found you! I seriously need a budget. Thank you for this
Thank you for posting this method of budgeting. I liked the facts you used realistic numbers especially the take home income. May you continue to use your talent to inspire others.
Thank you for this video!! It is truly a simple and easy method to write out a “Monthly Budgeting Plan!” Well done my Sis ❤️ ~Peace, Joy, & Love
You dropping gems boo! Go head to head !
Been looking g at videos for the past 2 weeks and I can say urs is the most informative most easily explained thank you
Great video. This is the best explanation of how to create a budget. Simple and clear. Thank you!
Great tips. Thanks so much, I do something similar but I don't give every dollar a job, that is so smart; thank you, thank you, thank you.
Super simple. Love it. Thank you!
This was so helpful. Straight to the point. TY
Thank you so much for making this video! As a young adult, it feels good to know that I can budget early
As a adult who never learned how to budget, this was a really great video to show me the basics. Like, everything sounds so simple, but seeing you do this made everything connect.
the fact that we are actually learning this exact way of preparing a budget at school. :)
❤ Awesome Video as always!
🌟 I really enjoyed the way you explained it.
Tips For Creating An Effective Budget-
1. Know The Purpose Of Your Budgeting
2. Make an Irregular Expense Plan
3. Know Your Income
4. Determine Your Monthly Spending
5. Set Reasonable Goals
6. Track Your Spending
7. Try Out Different Budgeting Plans
8. Create An Emergency Fund
👉 Stay connected & keep up the great work.
No unnecessary talk, she got straight to the point.
“If you don’t budget your spending
you’ll spend your budget”
Yes budget is very important cause it teaching me how to budget and features down the line my children can learn as well...
THANK YOU!!! I'm in my 20s barely and ever since i got my 1st part time jobs i always wonder where my money goes! I decided to start budgeting, and I got a simple digital planner, problem was I did not know how to use it 😅 your video was SO helpful thank you!
was never thought to budget by my parents, also am very bad at math. thank you for making this understandable and easy to do. thank you so much
Hi! I guess I’m wondering how do you calculate an unexpected expense in a month? Like maybe a hospital bill or something? How do you add that or measure that into a monthly budget with an unknown?
Love it! Great explanation of super simple budgeting, :D
Finally super nice and easy! Thanks so much! 🥰
Love how simple and effective this method is
Budgeting has never made sense to me but what you just did clicked and I get it ❤️
Thank you so much for this. I have been saying for so long now, that I just need to find a very SIMPLE Personal Budget Plan and you have just helped me to🙌🏾💃🏻🙏🏾🙏🏾
You helped me out sister thank you. I love the step by step method.❤❤
i always wanted to start budgeting, as a university student it really works for me
Just turned 20 got a credit card at 18 had no discipline now I’m 3k in debt hopefully this will help me out . Thank you for the helpful video!!!
Omg I do the same things! I love how similarly we think. 🥰💙
Love this! I have almost the exact same system and it is very reliable and Im glad Im not alone 😁😁😁
This is such a clear and useful video! Thank you!👏🏽👏🏽
This is how I do my budget❤🎉
Very informative Shay. Keep the videos coming
My mother always does this when it comes to financial literacy. She used to show me how she writes down her budget just like in the video, so I'ma try to do the same because I need help with saving money and manage money at the same time, and speaking of saving money, do you have a video of tips of saving money? I would like to watch and learn how to save money because I am eating all of my money up, which is not good at all, and it's getting old, and I want to do better with my money financially.
I'm just starting to get ready to live on my own. This has helped so much! Thank you!
I love this example. Thank you!
Heavens can't explain how helpful that was!Thank you so much!
Sis, this video was great!
Simple, very well explained, and very helpful. Thank you for posting!!
You have a new subscriber🙂❤
Out of everything I watched this was the easiest thank you so much
A simple good way to start!! I like keeping it simple!👍🎉
This is very helpful. I've been looking into zero based budgeting. Love this
My dad is going to be teaching me how to create my own budget and I'm going try to learn it my own.
Thanks! Just out of Highschool and this is super helpful. Cant wait to stay organized.
I’m going to make this happen. Thank you 😊
Great vid and to the point!!!! Only thing I would add is always pay yourself first. Savings should be #1 on the list no matter what. Have a plan for your savings it does no good just sitting in the bank. 6-12 months worth of savings in case of an emergency. Once 6-12 months is saved, leave it alone. Now instead of saving money out of paychecks save now to invest in knowledge (courses, books, school) that can bring in more income, saving to buy real estate etc.
GOD
Sent me exactly where I needed
Thank you Lord 🙏
For sending me to this video
wonderful video thank you!
Thank you so much for this information I can’t wait to put what I’ve learned to use. Though this video is a few yrs old STILL VERY USEFUL! Thanks again and Happy New Year ❤🎉
This is brilliant so simple and so effective. Thank you!
Thank you for your budgeting tutorial- It is very well put together and super helpful. :)
So dumb question, do we just not spend any money until we get the second check of the month?
Meh. Not necessarily. If you have money left over between checks then sure you can spend it. This method is simply something to implement to better manage paychecks for those who struggle.
This video helped a ton! Keep the great content coming.
did this! so helpful :)
thank you so much! very very helpful and to the point.
Wow this was so helpful thank u 🙏🏼🥰👏🏼
Thanks sis this was easy to understand I appreciate you 4real
Paper book might be more handy than apps
Btw this was a very informative video, thanks for being so thorough!
good job and great for the average man
I keep forgetting to tell you, I love the "new" background. :)
Budget is permission to spend
Simple and to the point Boss Lady. Tfs
Thank you for the vedio... ❤Finally I got the right vedio😊❤
Awesome video!
Ugh, I wish my rent was 600. Thank you for awesome video
Love this. How do we fit in groceries and gas? Do we do that separate?
No, you would budget for those just like you would budget for rent or mortgage, electricity, etc. Food and gas are definitely not optional so you would just make two line items in your budget for those two categories!
Shay Budgets ok thanks love
Great Video Shay..OOH My Goodness, your Desk mat is cute..Can I ask where you got it from?
Etsy!
Thank you! Do you have any videos on creating a financial plan?
Looks simple enough.
Great and simple budget. Thank you :)
Thank you for this video !!
Video was very helpful thank you for the content
Where is tithing? And where is your electric bill, or car insurance?
This was a mock budget aka a guide for folks to use but plug in their own numbers
Love this !
What if you come into extra money for instance like a tax refund or financial aid refund. Do you add into your income?
I would!
Awesome video! Thank you!
Great info 👍🏽
Happy Tuesday Shay!.... so I have a question... once this is all established, how do you go about breaking check down to where it matches this budget. I think that’s where I always get stuck....
OK so I like to divide up our bills and expenses so the same amounts are coming out of each paycheck. As an example, rent comes out of our first paycheck or at the beginning of the month so I have our student loan payments & some of our other bills coming out the second paycheck or around the third week of the month. I did this by calling some of the companies and asking if I could move my due dates which is typically free of charge. I just find it easier that the same amount of bills and expenses are coming out of each paycheck. Does that make sense? I think I have a video about this in fact
Shay Budgets I think calling to change a few dates will help my bills line up with my checks. I’m going to do that and also I saw that you have some paycheck to paycheck budgets as well! I’m determined to get this down lol 💪🏾