How To Budget The Easy Way | Homemaking Tips | Homemaker Budget
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- เผยแพร่เมื่อ 5 ก.ย. 2024
- Today I'm showing you my beat up budget book: the simple way I manage our budget with just one notebook. And guess what? I made you a FREE PRINTABLE DOWNLOAD that will help you use this same simple system yourself. It's available on my website here: relatablemothe...
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Hi! My name is Jessica and I share practical advice and encouragement for stay at home moms who are in the thick of raising littles and managing their home. I'm so glad you're here!
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*This channel used to be called The Mommy Side of Things. That's why you'll see that in older videos. I wanted to change the channel name to better fit my brand, so it reflects why I'm here. You might also notice me referring to my old instagram name JessicaBryn_YT in some videos. It is now and forevermore Relatable Motherhood, and I am not on Facebook.
#homemaker #homemakingtips #homemakerbudget
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Guess what? I made you a FREE PRINTABLE DOWNLOAD that will help you use this same simple system yourself. It's available on my website here: relatablemotherhood.mailerpage.io/
After watching countless (NO exaggeration, COUNTLESS) financial management and budget videos, some of which are so extra, this is probably one of THE most practical and simple methods I've seen! No frills, thank you for posting! 😊
Oh I'm so glad you liked it! Thank you for watching!
I love hearing about different budgeting systems people come up with!
Here's mine: As soon as I get my paycheck I put away a fixed amount for savings (emergency fund, sinking fund, other short term goals) and a fixed amount for bills and other fixed expenses. Then I divide the rest of the money into four weeks by which I get a weekly spending limit: half of it for groceries and half of it for whatever. If I have some money left over from the week, it gets added to the next week's limit. And if I end up having some left over money at the end of the month, it goes to savings. And if I'm having some bigger purchases such as a new phone or furniture, I pay for it out of my sinking fund.
That sounds super structured! That's awesome!
Wow, that's actually the first time I've seen advice to split fixed amounts per week. That's really smart. I'm so glad I came by your comment! I love money and saving and budgeting. 😅
Do you take a certain % of your income for savings? I try to take 25% for savings but some months it’s about 20%. I’m learning to be a minimalist.
I do weekly budgeting with a calendar and a scratch sheet of paper. All our bills are on the calendar and then I just do the math for that week, it's simple and it works for us.
I love that! That way you can see things all laid out 😊 thanks for sharing!
I do the same thing. I love the scratch paper. 😊
I love the paper budget. It's my way of life. I also budget by paycheck and this works for me.😊
It just makes more sense! 😊
I do as you do. I use a plain ole composition book and plan from paycheck to paycheck. I have never been able to use the cute budget sheets everyone makes.
Yeah they just don't match the way my brain works lol! Good to know it's not just me.
Girrrrl, I have bought a few different budget books and you just simplified the whole thing. I don’t know why my brain chooses to overthink and over complicate things 🤷♀️ Thank you 😊
You're welcome!! We all do it lol
This is very similar to how I do my budget. I really want to get a month ahead but yeah, living paycheck to paycheck too 😣
I like your budget method and will get a budget book like you showed in your video.
It’s a great help to pick up hints about frugality like you describe.
I'm so glad it was helpful to you! Thanks for watching!
Yesssss!! I love it. I call myself a "paper person" too.😊
Right?! My brain just NEEDS to see it written down. Digital doesn't work for me.
I use an Excel file on Google Drive so I can access it on my phone or laptop and I list my bills in this sheet with the following column headings: name, APR, Total Amount owed, monthly amount, due date (day of month), autopay (y/n), logins (to check online), notes (indicate which bank acct is used), bill cycle (15-31 or 1-14), url to login. 90% of my bills are on auto pay. I'm also doing the snowball tactic for getting out of debt. Each pay day and also write down on paper all the bills i'm paying for that pay period and then budget the remaining (gas for car, groceries, fun $) and then take extra to pay down my debt.
Nice!! I tried the google sheet thing but I just need it down on paper. I love that Google drive allows that though! It's really useful.
I love this budgeting idea. I just wish I could figure out how to do this for (let's say farming) income where it's extremely irregular and unknown when someone will end up paying you and there's a lot of bills to be paid, some of which are extremely large annual bills versus only monthly.
I would still list all bills in the back of the book, and maybe have a separate page in the back for the annual bills that I can reference back to. Then in the front where I'm doing my month pages where I'll have our paychecks written down, I'd jot down next to whatever month the annual bill will be coming out "farm supply renewal this month" or whatever it is lol. I'm not familiar with what kind of bills you might have. But that way when I flip to the new month I remember I need to plug that in somewhere. If it's a yearly expense I imagine you're prepping for it all year anyways right? You could break it down into 12 monthly payments that you pay to your savings account and then consider it a monthly bill. I'm just brainstorming over here 😊 as far as money coming in sporadically, I'm not sure. That sounds really stressful 😔 is there any way to set dates to make sure you're paid at certain times? I can't imagine the stress of not knowing when the next check will show up ❤️ that sounds super hard
Paper budget person as well, and tried other budget templates but they didn’t seem to work because they were too specific or not specific enough. So I just use a notebook and layout as I want!
I just subscribed to your channel! To more relatable mothers on TH-cam!
Awe thank you!! I'm so glad you're here 😊
Very easy and sensible
Thank you 😊
I love this so much thank you for this I do this too
I pretty much do the same - spiral notebook is my ledger 😂 I keep trying other methods but this is what “clicks” for me.
Yup! Every time I try digital I just can't keep track
This really helped me. Thank you.
Yay! I'm so glad 😊
This was so helpful, and just what I needed! I totally relate to the struggle of trying to subtract weekly expenses from one big monthly budget. Thank you so much for making this💕
You're so welcome! I'm glad it made sense to someone other than me lol!
I do things almost exactly the same. I am attatched to my little notebook!!! Lol
It just makes sense! 😊
Hi ya Jessica, I’m a massive spender and really need to do a budget. I really like your easy way to budget rather than use an app which I forget about after a week or so.
But with paper it’s there all written down, I really like it thank you 😊
I did like the Dave Ramsey budget app but being from the U.K. I can’t download it.
@@richardperry5400 His app is cool for tracking every dollar, but it didn't help me fit bills into their pay periods 🤷♀️ I'm so glad this video helped you!
Great video 🎉
Thank you!
New subbie as of today
Welcome!!
I like these ideas but I have no automatic drafts.I definitely use a notebook and this method. My problem is over spending, any tios?
I struggle with this too. I think the big thing is self control and thinking about the end goal. We want to pay off debt and save for a house. If I justify buying new clothes I don't need or dropping 60 to 80 bucks on eating out as a family, that's money that could have gone towards the debt. It's like I'm ruining my own goals and only thinking of present me, not future me. I'm not perfect at this at all, but whenever I spend money I think about our end goal and if what I'm spending is worth it or not.
I have tried a lot of different ways. I keep returning to my system. I have a list of all of the bills for the month with their amounts. When I pay it or set the money aside for it, I erase the money from my list or change the amount if I put a partial amount in. Each time I get money, I take care of as many as I can until I'm ready to look at the next month.
That sounds like a good system too!
I have like 6-7 savings accounts for bills or savings goals, eg: rent, power, internet, Xmas and birthdays, holidays and car maintenance all hav their own account and when it needs to be paid I just transfer it into the main chequing account done. over pay the bills by 10-20 per pay and become a month ahead of bills within 18months 2year
That's clever to overpay a tiny bit and end up ahead! I bet that comes in handy at just the right moments too.
I can’t download the budget freebies.
Hi! I'm so sorry there was something wrong with the form on my website, but it's fixed now. If you head to my website and go to "Freebies" you'll find it there for download. Here's the link: relatablemotherhood.mailerpage.io/freebies
No clue if I missed it, but do you guys have a savings account and do you set aside a percentage or certain amount each week???
I didn't talk about our savings account. We do have one 😊 we don't have a set amount we save each week or anything like that. That's a good idea though! We are in a tight season and we usually just throw whatever we have leftover after bills are paid into savings or at debt, or we do something fun with it.
@@RelatableMotherhood❤ love this! I started budgeting and everywhere is saying to save 20% then have sinking funds! Good to see that I’m not the only one struggling in this time.
@@kat3lyn555 You are definitely not ❤️ if we saved 20% we wouldn't be able to make rent lol. I think more people live paycheck to paycheck than there are who will admit it. We're hopeful that things will change and we're working hard, but things are right tight now and we're getting by.