Our FIRST Budget 6 Years Ago...

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  • เผยแพร่เมื่อ 7 ก.ค. 2024
  • Today I'm sharing one of the first budgets we made 6 years ago! We were newlyweds working on paying off $80k of student loans. Here's how we spent our money.
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ความคิดเห็น • 27

  • @avery5321
    @avery5321 2 ปีที่แล้ว +13

    Hey Marissa, I just wanted to say that I finally bought your budgeting spreadsheet last week and I’m SO glad I did. I already feel like I have a better handle on my finances and savings goals. Great video!

    • @TheBudgetingWife
      @TheBudgetingWife  2 ปีที่แล้ว +1

      I’m so glad to hear this!! That’s awesome!!

    • @sin8856
      @sin8856 2 ปีที่แล้ว

      Me too. I just bought a house and this definitely helped me get a better view of my budget.

  • @ayannasykes4288
    @ayannasykes4288 2 ปีที่แล้ว +5

    I NEEDED THIS video. I realize I am tracking now and am ready to actually budget.

  • @pauumontero6316
    @pauumontero6316 2 ปีที่แล้ว +9

    Wao, super nice to see the 2015 budget and sacrifices now are blessings 😎

    • @TheBudgetingWife
      @TheBudgetingWife  2 ปีที่แล้ว +1

      This is exactly how I feel! Thank you ❤️

  • @Nostalgia_Nest
    @Nostalgia_Nest 2 ปีที่แล้ว +3

    Also such a great example of how being debt-free frees you up to spend. We currently have an income similar to this one, in the same hcol area, but we are debt-free. I rarely feel like we are scrimping or suffering from lack of funds. We want to increase income to be able to accomplish some other goals, but being debt-free is something I am SO thankful for!

    • @TheBudgetingWife
      @TheBudgetingWife  2 ปีที่แล้ว

      That's sooo true! It would have freed up so much more room for other things if we were debt-free!

  • @sandyseibelhager7131
    @sandyseibelhager7131 2 ปีที่แล้ว +7

    I'm so glad you did this video. I requested it and love that you listen to your subscriber's feedback. Thank you. It's amazing to look back and see how far you've come. BTW-I'm loving your hair.

    • @TheBudgetingWife
      @TheBudgetingWife  2 ปีที่แล้ว

      Aww thank you! I'm happy to share. And it was crazy to look back on!

  • @misswinnie4.8
    @misswinnie4.8 2 ปีที่แล้ว

    Excellent. Thank you for sharing!!

  • @JC-wc1bs
    @JC-wc1bs 2 ปีที่แล้ว +3

    I am lucky my income has increased over the years but the pay scale at my job has not changed since 2015. I rented a one bedroom that year for $950. Same apt now is $1250. And I’d be getting paid the same I did back then! I feel fortunate for my timing but bad for young people just getting out of school now. Cost of living has increased a lot in my area

  • @a33m3a
    @a33m3a 2 ปีที่แล้ว +1

    Great video!

  • @bal8914
    @bal8914 2 ปีที่แล้ว

    Great content!!! Keep uploading 👍

  • @sagesnippets101
    @sagesnippets101 2 ปีที่แล้ว

    My early budgets are so basic too. Now they are so many line items in comparison! I think it's a combination of better budgeting but also how life gets more expensive & complicated, once kids come along, and home ownership etc.

  • @rachaelv1140
    @rachaelv1140 2 ปีที่แล้ว

    When I first moved into my house. Things were tight. I had just put a large down payment. I had an emergency fund that was soon drained by necessary home repairs. I started cutting everything from my budget and side hustling more. It took me four months to rebuild my emergency fund and I love having a little bit more discretionary income in my budget. The sacrifices are worth it.

  • @maryjaneyacoby8021
    @maryjaneyacoby8021 2 ปีที่แล้ว

    Awesome to see how you guys got started and where you're at now! My husband and I worked three jobs for two years to payoff debt and pay cash for our wedding. My budget spreadsheet looks a lot like your did back then! Lol

    • @TheBudgetingWife
      @TheBudgetingWife  2 ปีที่แล้ว

      That's amazing! Way to go. A lot of work but totally worth it.

  • @vano00293
    @vano00293 2 ปีที่แล้ว

    AHHHH I requested this!

  • @kendravoracek3636
    @kendravoracek3636 2 ปีที่แล้ว +1

  • @stephaniegray6712
    @stephaniegray6712 2 ปีที่แล้ว +2

    How long did you have to do this and how long did it take to pay off your student loans?

    • @TheBudgetingWife
      @TheBudgetingWife  2 ปีที่แล้ว +2

      It took us 2.5 years to pay off our debt and we lived like this for most of it! After 1 year of living in this apartment we started renting a room from my parents and lived in their house for another year. Then we moved to a larger apartment on our own while increasing our savings.

    • @stephaniegray6712
      @stephaniegray6712 2 ปีที่แล้ว

      @@TheBudgetingWife That's so impressive, happy for you both 😊

  • @shannonbrown8918
    @shannonbrown8918 2 ปีที่แล้ว +1

    Wild to see a budget that doesn't even include eating out or fun money. Why did you guys have two cars then? I guess selling them wouldn't have yielded much but it doesn't sound like you used them much.

    • @TheBudgetingWife
      @TheBudgetingWife  2 ปีที่แล้ว +3

      Yeah. We knew we wouldn’t get much from the sale and the added convenience if we ever had to go separate places.