➡ Are you in need of a financial reset right now??? ✅ Monthly budget template: shop.penniesnotperfection.com/products/monthly-budget-spreadsheet ✅ Sinking Funds template: shop.penniesnotperfection.com/products/sinking-funds-tracker-spreadsheet-google-sheets
Hi Mary, that is what I want to add into my budget (house cleaner to deep clean once per month as that will help me out and is such a treat for a home). Glad you all are feeling better now. We love the teacher gifts and we appreciate you all that provide them.
It’s been so nice to have! It’s soo nice to come home and the house is clean and I didn’t have to do it all. It’s been really worth it for my mental health and especially during the busy month of December. I hope you can add it and try it out!
I'm beefing up the Emergency Fund even more in 2025, increasing my 401k to 6% because the employer match went up, and trying to throw more at my Roth IRA. With the incoming administration you cannot HAVE enough CASH! 😢
Definitely need a restart but luckily the holidays didn't hit as hard. We are thinking of doing a low buy year so we can increase the savings and travel accounts.
Love that! I’ve watched a lot of people do a low buy year and it’s so intriguing. I’m not doing one officially but plan to buy less overall because I just want less stuff in my home.
Hey Mary . I need to write down sinking goals like u did. Im newer at the sinking funds. But 2025 i ened up w 8k n my ally account so pretty good starting w nothing❤
It helps so much to write them all down and calculate how much you need per month and per paycheck! I don’t even think about them after the initial setup and then the money is there when I need it.
I hear ya on the spending to make things easier! I was just working on my budget. Ouch! By the way, a simple teacher gift for Christmas is a $5 dunkin or starbucks gift card with a thoughtful note.
This is awesome! Can you do a deeper dive on your house cleaning?? I'm very interested in investing in someone helping me survive in this way. How did you decide? How did you interview? What does the $120/month get? This would be such a great help!
Sure! It’s new to us and we’ve only had three cleanings. We found her through a friend who was already using her and we waited until there was an opening. Because she already worked for friends we knew what to expect personality wise. For what we pay she dusts, cleans floors, bathrooms, kitchen, washes and changes sheets to make bed and then also whatever we need at the time. So some of it is laundry because we are always behind and then this month she focused on getting the space host ready because we were supposed to host family even tho that didn’t happen. She seems super flexible and willing to work on whatever we need which we are still figuring out ourselves.
This house will be paid off waaaay faster than any house we buy… but it’s definitely not a forever home option. We may end up waiting a few more years but I’d also love to move tomorrow. But there hasn’t been anything for sale that really made sense yet.
January I’m planning to put 3K into investing and I have it in the budget, hoping nothing happens to stop me from achieving this 😂. I plan but I’m always flexible for when life happens.
Not sure about this particular spreadsheet, but there is an option in Google Sheets to save as an Excel document. I’ve done that with other Etsy spreadsheets I bought and it has usually worked. Sometimes, the formulas may not copy over correctly, so that’s something to consider.
The United States saw an 18.1% increase in homelessness this year, a dramatic rise driven mostly by a lack of affordable housing as well as devastating natural disasters and a surge of migrants in several parts of the country, federal officials said Friday. The U.S. Department of Housing and Urban Development said federally required tallies taken across the country in January found that more than 770,000 people were counted as homeless - a number that misses some people and does not include those staying with friends or family because they do not have a place of their own.
➡ Are you in need of a financial reset right now???
✅ Monthly budget template: shop.penniesnotperfection.com/products/monthly-budget-spreadsheet
✅ Sinking Funds template: shop.penniesnotperfection.com/products/sinking-funds-tracker-spreadsheet-google-sheets
Yay! I know this is the content you wanted to move away from, but it's my favourite 😊
I knooow 😊 so I’m going to still do it sometimes! Just not committing to guaranteed every single month or week. Hopefully that way both sides win. 🥰
Hi Mary, that is what I want to add into my budget (house cleaner to deep clean once per month as that will help me out and is such a treat for a home). Glad you all are feeling better now. We love the teacher gifts and we appreciate you all that provide them.
It’s been so nice to have! It’s soo nice to come home and the house is clean and I didn’t have to do it all. It’s been really worth it for my mental health and especially during the busy month of December. I hope you can add it and try it out!
I'm beefing up the Emergency Fund even more in 2025, increasing my 401k to 6% because the employer match went up, and trying to throw more at my Roth IRA. With the incoming administration you cannot HAVE enough CASH! 😢
You’re probably right about cash on hand! I’ve been increasing my business emergency fund and might consider doing it for our personal side too.
It has nothing to do with the administration. You should always have emergency cash on hand.
I will keep watching and cheering your family on.
I appreciate that so much!
Amazing goals! I'm in NYC!
Hi ❤️ 👋🏾 Mary thnks for sharing your January 2025 Budget .. very well thought out
Definitely need a restart but luckily the holidays didn't hit as hard. We are thinking of doing a low buy year so we can increase the savings and travel accounts.
Love that! I’ve watched a lot of people do a low buy year and it’s so intriguing. I’m not doing one officially but plan to buy less overall because I just want less stuff in my home.
As a Canadian, I am jealous of your HISA Yields (currently I'm at 2%).
Oh no, that’s a bummer!
I am attempting to budget on my own. I just ordered a new pair of glasses for myself.
Budgeting is a good start! Glasses are good too! Thanks for the reminder I need to go see my eye doctor.
Hey Mary . I need to write down sinking goals like u did. Im newer at the sinking funds. But 2025 i ened up w 8k n my ally account so pretty good starting w nothing❤
It helps so much to write them all down and calculate how much you need per month and per paycheck! I don’t even think about them after the initial setup and then the money is there when I need it.
@PenniesNotPerfection im doing this!!!
I hear ya on the spending to make things easier! I was just working on my budget. Ouch! By the way, a simple teacher gift for Christmas is a $5 dunkin or starbucks gift card with a thoughtful note.
Love watching your wealth building Journey
Thank you!!
Thanks for sharing Mary. Glad you're better but sorry it's been rough. Your spreadsheet budget looks good 👍 Health sinking fund 🙌 I saw NYC too 😊
Yesss nyc!! Just delayed it a year to be financially responsible 😂
Things are looking up!
Definitely working on emergency fund & Roth. 😊❤😊
Great goals to work on!!
This is awesome! Can you do a deeper dive on your house cleaning?? I'm very interested in investing in someone helping me survive in this way. How did you decide? How did you interview? What does the $120/month get? This would be such a great help!
Sure! It’s new to us and we’ve only had three cleanings. We found her through a friend who was already using her and we waited until there was an opening. Because she already worked for friends we knew what to expect personality wise.
For what we pay she dusts, cleans floors, bathrooms, kitchen, washes and changes sheets to make bed and then also whatever we need at the time. So some of it is laundry because we are always behind and then this month she focused on getting the space host ready because we were supposed to host family even tho that didn’t happen. She seems super flexible and willing to work on whatever we need which we are still figuring out ourselves.
Thanks for sharing! 💖 Will be watching your videos in 2025
Thanks for watching!
Wait to buy the new house. I am on my 4th house and I am like thinking how my house #1 would be paid off now.😢
This house will be paid off waaaay faster than any house we buy… but it’s definitely not a forever home option. We may end up waiting a few more years but I’d also love to move tomorrow. But there hasn’t been anything for sale that really made sense yet.
January I’m planning to put 3K into investing and I have it in the budget, hoping nothing happens to stop me from achieving this 😂. I plan but I’m always flexible for when life happens.
Yesss love that!! I’m hoping to keep increasing what we put in investments each month. Thank you for the inspiration!
Hi Mary. Will the budget sheet work on Excel via a PC? Not use to Google sheets.
Nope it’s google sheets only! I don’t use or own Excel 😬
Thank you 😊
Not sure about this particular spreadsheet, but there is an option in Google Sheets to save as an Excel document. I’ve done that with other Etsy spreadsheets I bought and it has usually worked. Sometimes, the formulas may not copy over correctly, so that’s something to consider.
@ Thank you
That’s cool, thanks for sharing that!
The United States saw an 18.1% increase in homelessness this year, a dramatic rise driven mostly by a lack of affordable housing as well as devastating natural disasters and a surge of migrants in several parts of the country, federal officials said Friday.
The U.S. Department of Housing and Urban Development said federally required tallies taken across the country in January found that more than 770,000 people were counted as homeless - a number that misses some people and does not include those staying with friends or family because they do not have a place of their own.
i need a financial reset so i can get a vehicle this year
Definitely a good goal to work towards!
"Ya'll"
😂👍👍
I’m from Tennessee what can I say 😂
I Wanna To Start A Budget For Saving All Of My Money For My Extra Clothes/Outfit Money
Extra Hair Products Money
New Phones/Tablets/Laptops Money
Extra Skincare Products Money
Extra Jobs Money
Luxury Money
Shopping Money
Going Out Money
Bank Money
New Biggest Largest House Money
Payment Money
Paycheck Money
Car Money
Emergency Money
Travel Money
Spa Money
Salon Money
Shopping Online Money
Cheap And Expensive Money
Makeover Money
Bank Account Balance Money
Work Supplies Money
Full Body Treatment Money
Grocery Stores Money
Birthday Money
Fashion Money
Spa & Esthetics Money
Aesthetic Clinic Money
Interior Designs Money
Treatment Money
Business Plan Money
Marketing Money
Tours Money
Careers Money
Administration Money
Management Money
Organization Money
Job Online Money
Salary Money
SOSU Money
Saving Money
Cash Envelope/Sink Fund Money
Tax Credit Money
Taxes Money
Tax Season Money
Breakfast Lunch And Dinner Money
Fast Food Money
Restaurant Money
AliExpress Money
Alibaba Money
Walmart Money
GearBest Money
Amazon Money
Wish Money
eBay Money
Target Money
Etsy Money
Shopee Money
Joom Money
Lazada Money
Photographer Money
Bakery/Chief Money
CEO Money
Entrepreneur Money
Makeup Artist Money
Hairstyles Artist Money
Aesthetic Clinic Store Money
Extra Money
Payment Money
Paycheck Money
Income Tax Money
Money Bills
Taxes Money
Money Check
Money Account
Money Balance
Bank Money
Budget Money
Job Interview Money
Days Money
Weeks Money
Months Money
Years Money
Job Application Money
Finance Money
Business Loans Money
Stocks Money
Lend Money
Business Partners Money
Money Account
Money Balance
Money Check
Money Cash
Job Interview Money
January Money
February Money
March Money
April Money
May Money
June Money
July Money
August Money
September Money
October Money
November Money
December Money
House Bills Money
Eid Mubarak Money
Phone Bill Money
Esthetician Money
Shopify Money
Aesthetic Clinic Money
Cosmetologist Money
Investment Money
Future Money
Internet Money
Photography Money
Restaurant Money
Spa & Esthetics Money
Monthly Expenses Money
Insurance Money
Dream Jobs Money
Vacation Money
Gas Money
Bills Money
Electricity Money
Hot Water Money
Insurance Money
Mansion Money
House Money
Rent Money
Home Insurance Money
House Payment Money
🤣
Wow - that’s some categories. Geeez. 😂😂