Monthly Budget Setup | Zero-Based Budget

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  • เผยแพร่เมื่อ 27 พ.ย. 2024

ความคิดเห็น • 39

  • @abbybatterson6527
    @abbybatterson6527 8 หลายเดือนก่อน +10

    Wanted to share I paid off 2 cards this month! Been following you since September and it’s really working!!

    • @lymanjoy
      @lymanjoy  8 หลายเดือนก่อน +2

      Yeahhh!! This totally makes my day. How amazing!!! 2024 sounds like it has been an amazing year so far. Thanks for sharing. I love hearing this, keeps me inspired and encouraged!!

    • @abbybatterson6527
      @abbybatterson6527 8 หลายเดือนก่อน +1

      @@lymanjoy i look forward to your videos so much! I often play them a few times a week to keep me inspired to not eat out or not go on Amazon. So thank you for all the help!!

    • @lymanjoy
      @lymanjoy  8 หลายเดือนก่อน +1

      @abbybatterson6527 Thanks for watching and sharing that, so it's very encouraging to me!!

  • @christinewallace9251
    @christinewallace9251 5 หลายเดือนก่อน +1

    Good video!!!

    • @lymanjoy
      @lymanjoy  5 หลายเดือนก่อน +1

      Thanks 😁

  • @LivingLifeInTexas1836
    @LivingLifeInTexas1836 8 หลายเดือนก่อน +4

    Love your progress!!! You actually have $5 more for your snowball… you put $475 but only need $470! My March debt update is coming out next week! I was kinda shocked honestly at how much I was able to tackle in March. 💜💜💜

    • @MomOf2Boys19
      @MomOf2Boys19 8 หลายเดือนก่อน

      I was just going to comment this too! Cash envelopes were $470 instead of $475.

    • @lymanjoy
      @lymanjoy  8 หลายเดือนก่อน

      Thanks for letting me know!! My camera math is a but wonky. 😆 Please share. I can't wait to cheer you on!!!

    • @lymanjoy
      @lymanjoy  8 หลายเดือนก่อน

      Totally right!! Thanks

  • @elliecha4240
    @elliecha4240 8 หลายเดือนก่อน

    Wow, that's very insightful on the no-spend tracker!

    • @lymanjoy
      @lymanjoy  8 หลายเดือนก่อน

      Love the no-spend tracker, I need that accountability.

  • @mindymc1597
    @mindymc1597 8 หลายเดือนก่อน

    Love your videos Laura! I am on the journey with you! Hugs from TX!❤

    • @lymanjoy
      @lymanjoy  8 หลายเดือนก่อน

      Thanks for joining me!!

  • @MindYourMoney
    @MindYourMoney 8 หลายเดือนก่อน +1

    I love watching your channel. *Iron sharpens iron* 🤎

    • @lymanjoy
      @lymanjoy  8 หลายเดือนก่อน

      Thanks for watching ❤️

  • @moneywithjustliving5258
    @moneywithjustliving5258 8 หลายเดือนก่อน

    Hey there, great job planning April.

    • @lymanjoy
      @lymanjoy  8 หลายเดือนก่อน

      Thanks for watching!! 😁

  • @RosemaryGeorge-q6x
    @RosemaryGeorge-q6x 8 หลายเดือนก่อน +1

    Like your system, and easy to see what you’re writing down. What pen are you using?

    • @lymanjoy
      @lymanjoy  8 หลายเดือนก่อน +1

      Thanks 😁 Love these pens here's a link to them.
      Mr. Pen - Retractable Fine Point Gel Pens, 6 Pack, Morandi Barrels, Fast Dry Ink, Cute Aesthetic Pens for Journaling a.co/d/d9XaAhv

    • @RosemaryGeorge-q6x
      @RosemaryGeorge-q6x 8 หลายเดือนก่อน

      Many thnx!

  • @ginamoffett1973
    @ginamoffett1973 8 หลายเดือนก่อน

    Great video Laura☺️Look like a great plan and I know your going to do more 😊I’m still in a very vulnerable head space because of the garnishment they are taking over 300 a week and that variable income with tips. Hubby is table games, dealer and pit boss ,I have spent almost 2 week working number, I just hoping it works. Happy Easter 🐣

    • @lymanjoy
      @lymanjoy  8 หลายเดือนก่อน

      Did you sit and just maybe start fresh? Sometimes, a brand new budget breakdown helps?

    • @ginamoffett1973
      @ginamoffett1973 8 หลายเดือนก่อน

      @@lymanjoy I'm not sure how I would do that, I have a bare bone budget cut list but I been going so hard Its going be hard to slow down 😩

  • @SavingWithASenior24
    @SavingWithASenior24 8 หลายเดือนก่อน

    I do like your system.

    • @lymanjoy
      @lymanjoy  8 หลายเดือนก่อน

      Thank you 😊

  • @sesscealreynolds1607
    @sesscealreynolds1607 8 หลายเดือนก่อน +1

    I enjoy watching your videos. What size is your planner?

    • @lymanjoy
      @lymanjoy  8 หลายเดือนก่อน +1

      The one in the video is A5 size, and I buy special A5 paper from Amazon to print on, but I also have a printable download 8.5 x 11 for those who don't wanna fuse with a smaller version. Both are my website.
      www.thelymanjoycompany.com/

    • @sesscealreynolds1607
      @sesscealreynolds1607 8 หลายเดือนก่อน

      @@lymanjoy thank you

  • @bethanyhall1524
    @bethanyhall1524 8 หลายเดือนก่อน

    I love this video! It has really helped me with some new ideas and encourage me that every little bit counts. Your videos are one of my favorites because of the way you explain things. Thank you for these videos!💐I do have a question. Could you do a video on navigating the Focus Groups side hustle you talked about recently. I need a side hustle and signed up for that but have had trouble navigating it. One of the links connected to it asked for my SS number and I didn't like that. Is that normal? I haven't been successful in using it yet.

    • @lymanjoy
      @lymanjoy  8 หลายเดือนก่อน +2

      Thanks for watching!! I love focus groups, but to be honest, I haven't used one for quite some time since I have been busy with other side hustles. What I would say is find a local one that you feel comfortable with, just search local focus groups near me, sometimes local ones are better.

  • @brg2743
    @brg2743 8 หลายเดือนก่อน +1

    Is Christmas in savings?

    • @lymanjoy
      @lymanjoy  8 หลายเดือนก่อน +1

      Yep, long-term holiday savings, which I will be showing a saving challenge video on Monday, which includes it.

  • @Cleman5426
    @Cleman5426 8 หลายเดือนก่อน

    What is s Heloc payment?

    • @lymanjoy
      @lymanjoy  8 หลายเดือนก่อน

      Helocs are interest only loans so, $250. This is why it helps me pay off debt so quickly because the rest of my payment goes to principle.

    • @Cleman5426
      @Cleman5426 8 หลายเดือนก่อน

      @@lymanjoy I am sorry, I am still not understanding what kind of loan that is. Or how you get one.

    • @Cleman5426
      @Cleman5426 8 หลายเดือนก่อน

      Forgive me, but I am new to all of this

    • @lymanjoy
      @lymanjoy  8 หลายเดือนก่อน +2

      @user-cb3df9wk3f This is a basically a second mortgage. So my house had equity so I bought at 399,000 but it now worth 450,000 so I took that extra and borrowed it from the bank which is called a heloc.

    • @ChicagoMom2Texas
      @ChicagoMom2Texas 8 หลายเดือนก่อน

      HELOC = Home Equity Line of Credit