Mastering Money: How I Start My Day Financially Strong!

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  • เผยแพร่เมื่อ 3 พ.ค. 2024
  • Over the past ten years, I have been working on consistency and establishing a morning financial routine that sets me up for success.
    Throughout April, I recorded all of the morning routine videos I usually only post to Instagram for TH-cam. Here is the entire month!
    ➡️ HOW I TRACK MY SPENDING: bit.ly/3aIe89I
    ➡️ HOW TO USE A BUDGET CALENDAR: bit.ly/2IzF2Vj
    ➡️ FINDING YOUR WHY: bit.ly/3aJUryj
    ➡️ THE BUDGET MOM'S FINANCIAL FREEDOM STEPS: bit.ly/3cfJXsp
    ➡️ HOW TO GET STARTED WITH THE CASH ENVELOPE METHOD: bit.ly/2vQJaO5
    ➡️ HOW TO CREATE A PLAN OF ATTACK TO PAY OFF DEBT: bit.ly/2wDETxF
    ABOUT ME
    I'm the blogger behind www.thebudgetmom.com. I have a rambunctious ten-year-old son, live in Washington, and I'm passionate about helping people with money management and personal finance. Let me know what you like to learn more about! Leave me comments and suggestions on my video and let me know!
    YOU CAN FIND ME AT:
    📝 BLOG: www.thebudgetmom.com
    📘 FACEBOOK: / thebudgetmom
    📸 INSTAGRAM: / thebudgetmom
    📌 PINTEREST: / thebudgetmom
    GET STARTED
    ➡️Start Here: www.thebudgetmom.com/start-here/
    ➡️Free Email Course: bit.ly/2UYgNFf
    ➡️Free Resources: bit.ly/2PDmTHz
    ➡️GET 10% OFF my popular Budget-by-Paycheck Workbook - Coupon Code TBMTH-cam bit.ly/2CR7U9n

ความคิดเห็น • 122

  • @Linda.xing-tj2fh
    @Linda.xing-tj2fh 22 วันที่ผ่านมา +99

    One important aspect is budgeting. Making sure your expenses align with your income can set a strong foundation for financial stability.

    • @Bigwilli123
      @Bigwilli123 22 วันที่ผ่านมา

      Definitely! And considering long-term goals like retirement and education expenses for your children is essential. Proper planning can make a big difference

    • @V.stones
      @V.stones 22 วันที่ผ่านมา

      It's also important to think about how the global economy can impact your portfolio. Economic downturns or market fluctuations can affect investments, so diversification and staying informed are key

    • @wehrine
      @wehrine 22 วันที่ผ่านมา

      That's true. Espcially a single mother like myself needs to be even more vigilant about her finances, especially considering the added responsibility of taking care of children alone.

    • @Robby767
      @Robby767 22 วันที่ผ่านมา

      the problem is that you don't have the knowledge needed to succeed in a challenging market. Only highly qualified professionals who had to experience the 2008 financial crisis could hope to earn a high salary in these challenging conditions.

    • @Jonesmatsunaga
      @Jonesmatsunaga 22 วันที่ผ่านมา

      Recently, I've been considering the possibility of speaking with consultants. I need guidance because I'm an adult, but I'm not sure if their services would be all that helpful.

  • @suziekrieger4110
    @suziekrieger4110 27 วันที่ผ่านมา +97

    As a former bank teller, don’t ever deposit cash in an ATM envelope. Person at bank opening those envelopes may take the cash. Deposit through drive thru or go inside. Love your videos

    • @brianpulliam1100
      @brianpulliam1100 26 วันที่ผ่านมา +5

      I agree. I will take money out of an ATM, but depositing money through the ATM just doesn't sit well with me.

    • @1977NOBODY
      @1977NOBODY 26 วันที่ผ่านมา

      @@brianpulliam1100newer atm’s let you put bills in and it scans the bills and keeps an accurate count of total deposit,Then it prints out a receipt for your records

    • @dawngrimmius4971
      @dawngrimmius4971 26 วันที่ผ่านมา +7

      Even if you have the receipt? And don’t they have cameras there

    • @user-fb4nx6uz2e
      @user-fb4nx6uz2e 26 วันที่ผ่านมา +15

      ATM deposits or Night Drops are verify by two people working inside the bank. The head teller or teller manager and the assistant manager or manager or supervisor checks the deposits. I can attest because I have worked at banks and I have done ATM or Night Drops deposits.

    • @yancypol
      @yancypol 25 วันที่ผ่านมา

      @@user-fb4nx6uz2eagree! Dual control protocols are implemented to prevent this very thing from happening. There is the possibility that both tellers may be in on it but the probability is slim.

  • @erinf4712
    @erinf4712 21 วันที่ผ่านมา +15

    For the races, walks, charity events, etc. I have a category labeled "Events". It helps me set a budget for the next year. As to eating out- we heal how we heal and grieve how we grieve- no shame. Sorry for the loss of your mom. No matter how old we are, losing our mothers changes who we are as women. Thanks for all that you do for us.

  • @aprilmay4992
    @aprilmay4992 25 วันที่ผ่านมา +30

    Great video as always. Not all of us use instagram, you do have a large following here on you tube. Wish you would share more on here.

  • @Beachbumbob
    @Beachbumbob 13 วันที่ผ่านมา +5

    We really like when you put these longer videos together, thank you

  • @KaysBudgetandPlans
    @KaysBudgetandPlans 18 วันที่ผ่านมา +5

    Love when you discussed the concepts of moving money vs spending it (around 15:00 ish) . I personally struggle with this concept which is why I went cashless entirely. Cash also involves saving receipts or remembering to write the spending down immediately and both habits have been impossible to form for me. I've learned that ADHD can really negatively impact your financial behaviors and I'm starting to reflect on that and learn what does and doesn't work for me by revisiting creators that inspire me. Thank you for continuing to share so openly.

  • @tinaturull3793
    @tinaturull3793 27 วันที่ผ่านมา +32

    Thank you for your video, I do not go on Instagram. So helpful, please share more on youtube. I buy your budget book and I still haven't started because I am a senior and still have issues. Thank you for sharing your baby, he is so cute.

  • @rachelgilbert3164
    @rachelgilbert3164 26 วันที่ผ่านมา +14

    I started your program a few years ago and got really into it, making goals, paying off debt, etc. Then I got laid off and made much less money the following year. It was a huge emotional setback for me, not just a financial setback. I felt like what hope I was gaining was suddenly lost.
    I'm so glad you're posting to TH-cam again, it is motivating to work with what I have and get real about my new financial reality. Your method is the best for any budget, because it is my money my way. Thank you for posting!

  • @prathikshabhat5319
    @prathikshabhat5319 4 วันที่ผ่านมา +1

    Hi mom I follow you from several years, I’ve learnt a lot, more aware of my finance… & much more be learned. Can you make some video where show me how to teach this knowledge with our kids how to apply in daily life. Or what you do to teach tip & tricks. Thank you very much, all the best ❤to the beautiful soul

  • @autobotdiva9268
    @autobotdiva9268 19 วันที่ผ่านมา +2

    its so hard for those with ADHD. saving up for something goes right out the window because the executive function doesnt create an urgency for the budeting

  • @snapdragon2441
    @snapdragon2441 25 วันที่ผ่านมา +5

    My bills are all organised and automatically get paid in full, on time but I am struggling with my sinking funds. I know I need them for future financial stability but am worried that if I put too much towards them then I will not have enough to live off on a daily basis.

  • @badlands9100
    @badlands9100 24 วันที่ผ่านมา +2

    HIS HANDS ARE SO PRECIOUS AND HE LOOKS LIKE A VERY HAPPY AND SO CONTENT BABY! THANKS FOR SHOWING US YOUR PRECIOUS LITTLE ANGEL! Blessings....

  • @michellemorales401
    @michellemorales401 27 วันที่ผ่านมา +6

    I absolutely LOVE this modge podge for the whole month!!
    💙💜💙
    It's neat to see how we plan diligently, yet life happens.

  • @ReccaJacq7
    @ReccaJacq7 24 วันที่ผ่านมา +2

    I thoroughly enjoy your videos! And I really appreciate the fact that your 100 envelope challenge is actually going to be affordable and not super expensive.

  • @123kirmizi
    @123kirmizi 20 วันที่ผ่านมา +2

    please make these videos like every month

  • @ceciliaruns72
    @ceciliaruns72 24 วันที่ผ่านมา +3

    Loved this! It was so motivating to spend a bit of time each day to update the budget! I’m an athlete and I have a sinking fund specifically for race entry fees, so I would have used money from my sinking fund! If I were you I would use the health and wellness category! ❤ Good luck!

  • @allanahhatcher3325
    @allanahhatcher3325 26 วันที่ผ่านมา +4

    This video was great! I thoroughly enjoyed watching your financial routine and being able to see how if you create a financial routine every day how much quicker it can be and how just that little bit of time each day to update etc means that you don't fall behind on tracking and makes your budgeting less overwhelming.

  • @Ship2Shora
    @Ship2Shora 26 วันที่ผ่านมา +4

    I just bought my first "Live Rich Planner" to help me get organized with everything a move entails since we are finally relocating to be closer to our grandbabies 🎉

  • @sarahskicks
    @sarahskicks 27 วันที่ผ่านมา +10

    Hi Miko!
    I’m finishing up my senior year of college soon and struggling to make rent. I want to learn how to live more frugally, but it’s so hard with groceries and I feel like I miss out on a lot of things my friends get to do. Do you have any advice on how to save money and make money? I have a part time job but looking to make more.
    Thanks!
    (PS: I also lost my mom. It’s so hard and I try to talk to her when I’m doing things I love, too. ♥️♥️♥️)

    • @marialeon7197
      @marialeon7197 26 วันที่ผ่านมา

      How to save money- don't spend any. Seriously, just for the basics. How to make more money- find a second job/full-time jobs/more jobs.

    • @darrenoconnell9716
      @darrenoconnell9716 19 วันที่ผ่านมา +2

      I'm so sorry about the loss of your mom. I lost my mom too and talk to her all the time. Hugs

  • @williamwarren9448
    @williamwarren9448 26 วันที่ผ่านมา +5

    So glad to see you ! I am selfish and missed you ! Prayers to you and yours I know your stilling missing mom ! ❤❤❤❤glenda. Ohhhhhh I owe you an update ! Paid off my last debt (bought a 2024 car in Nov ! Paid it off in full May 1 ) and now completely debt free ( house paid off) retirement begins for hubs June 30 !!! Thank you for all you do ! You helped me make it ❤

  • @maryrock6990
    @maryrock6990 20 วันที่ผ่านมา +1

    Loved that "aha" moment on the planner cover! We both thought it at the same time!!😂😂

  • @EE-in7su
    @EE-in7su 23 วันที่ผ่านมา +1

    Thanks for breaking this down into what looks like manageable, bite-sized pieces. And FOR SURE, your Free Resource Library is an incredible resource!

  • @AnnCashes
    @AnnCashes 26 วันที่ผ่านมา +3

    Really like this format! Love your budget materials, your freebies got me started on this journey btw so Thank-you!

  • @pamelaborders9976
    @pamelaborders9976 25 วันที่ผ่านมา +2

    I absolutely loved this video. Thank you so much for sharing all these days in one video. 🥰

  • @pollydolly9723
    @pollydolly9723 27 วันที่ผ่านมา +1

    Always appreciate your reviews. Thanks Miko!

  • @BeaVaneX
    @BeaVaneX 26 วันที่ผ่านมา

    I loved this compilation!!! Thank you for putting it together.

  • @fatimamills2249
    @fatimamills2249 27 วันที่ผ่านมา +17

    Miko now you have your second son you have to update your opening of your video including your hubby and the new addition to the family your baby.

    • @elisabethpatterson9417
      @elisabethpatterson9417 26 วันที่ผ่านมา +4

      Great idea! I have no idea how old her son is now, probably 12 or 13?! I didn't even know about the baby!

  • @doogieRN1
    @doogieRN1 20 วันที่ผ่านมา +2

    Miko, I really enjoyed this video! It helps us to understand what we should be doing on a daily basis to keep up with our budget. This video encourages me to incorporate into my daily routine a time to do my budget and thorough out the month to make sure our budgeting and spending is aligning with what we want to accomplish with our money and to in real time daily think about what is going on and how it aligns to any goals we have, being aware of our patterns and behaviors when it comes towards our money. At times I do not get a chance to watch Instagram in the morning to watch your morning routine, tips and reminders. This video collection of that helps me to keep up and also to keep in the front of my brain to remember my money goals for the month and to keep up with tracking daily. I should print your financial routine worksheet and incorporate it to my night routine to track my spending and work on my financial routine. Thank you so much Miko for ALL that you do for us, it is really appreciated, REALLY!!😊❤🧡💛💚💙💜🤎🖤🤍🤗💐

  • @greengirlva
    @greengirlva 21 วันที่ผ่านมา +1

    I would put the race under "Health" as it to me is a less "guilty" expense and it is a motivational tool for health! Good luck in the race and good for you!

  • @lisagratefulme
    @lisagratefulme 2 วันที่ผ่านมา +1

    New subbie from the budgeting community.

  • @Runsonespresso
    @Runsonespresso 23 วันที่ผ่านมา +1

    I always put my running expenses, including races, under health because that's what I'm doing it for. Yes, it's also fun but my main reason for running is health (both mental and physical).

  • @kathleenmassy2292
    @kathleenmassy2292 25 วันที่ผ่านมา

    Loved this! Thank you!

  • @lisawilliams5
    @lisawilliams5 13 วันที่ผ่านมา +1

    I love that you did this! I've watched them on Instagram but it is great to see a whole month! Question, I must have missed a video on the new BBP but man I'm so excited for the smaller version. I have been a boxed set girlie since finding you and was so bummed to not have them anymore. Can't wait!

  • @marthamarlin3688
    @marthamarlin3688 26 วันที่ผ่านมา

    I loved this video. Thank you so much for sharing it. I liked seeing how you handle your finances every day. People say they do but it was very enlightening to actually see it. I love using cash envelopes but I’m anxious to see how you like using the cashless method.

  • @bookbooksbookish
    @bookbooksbookish 26 วันที่ผ่านมา

    I really enjoyed this video, thank you for sharing!

  • @Boringcountrylife
    @Boringcountrylife 26 วันที่ผ่านมา +2

    Thanks for sharing on YT, it's my only social media account. Looking forward to those new products.

  • @collectivecho
    @collectivecho 8 วันที่ผ่านมา

    Just subscribed, loved watching this! Super helpful resources, thank you for sharing! 🎉

  • @FayeHughes-zd7kf
    @FayeHughes-zd7kf 26 วันที่ผ่านมา +2

    I’m confused. When you used Walmart grocery pick up, you took the money out of your money envelope for food and then deposited into your checking account. You entered it on your expense checking tracker as a debit coming out of your account. How do you then enter it going back into your checking account? Otherwise, in my mind you have, charged yourself twice once out of your cash envelopes and once on your checking expense tracker. Thank you in advance for clearing this up for me.

  • @thecashstuffingcanuck
    @thecashstuffingcanuck 24 วันที่ผ่านมา +2

    Great video! As a distance runner myself, I have a hobby envelope for race fees as I consider running a fun hobby! good luck with the windemere race. I am running in the Dublin half this september while we're holidaying there :)

  • @elainesteward3130
    @elainesteward3130 15 วันที่ผ่านมา

    Loved this video, it was super helpful!

  • @suziekrieger4110
    @suziekrieger4110 24 วันที่ผ่านมา +2

    Depends on where they go through the ATM deposits. Plenty of people deposit empty envelopes, a receipt only proves you used the ATM. Unless you hand it to a person and get a receipt, a receipt proves nothing. Imagine losing your wallet filled with cash, how do you prove that? Your bank withdrawal receipt? Was the cash really in your wallet? Bottom line, takes 3 min to go through drive thru or inside bank. If you value your money, take the time.

  • @tinaclark3743
    @tinaclark3743 27 วันที่ผ่านมา +2

    I love this video.

  • @inmerava
    @inmerava 21 วันที่ผ่านมา +1

    New in your channel and I love it. It’s kind my personality. 😊

  • @M.P.T.1.2.3
    @M.P.T.1.2.3 20 วันที่ผ่านมา +1

    Got your wallet that i ordered, here in Portugal and i am so happy with it!! It is amazing and such good quality 💖 Blessings 🙏

  • @brianneholmes6547
    @brianneholmes6547 14 วันที่ผ่านมา

    For Marathons and events like that, I would call it Events, that way even if it was for charity or giving it is covered

  • @deniseprichett2619
    @deniseprichett2619 24 วันที่ผ่านมา +1

    I 😍the new Budget By Paycheck cover!! So pretty and yes sign me up for the smaller version!!! I am glad you just changed the cover on your current book!!! 😅

  • @deniseramsour1129
    @deniseramsour1129 24 วันที่ผ่านมา +1

    Yes yes yes so helpful ❤

  • @DianneCrouse-jb7yy
    @DianneCrouse-jb7yy 25 วันที่ผ่านมา +1

    This was so helpful! I am not on Instagram. Thank you!

  • @Karenm1969
    @Karenm1969 23 วันที่ผ่านมา +2

    Great video; first time viewer; so curious why you just didn’t use the cash you had in your files for the groceries ??

  • @rhoadestraveled
    @rhoadestraveled 27 วันที่ผ่านมา +5

    I've always loved your videos. I haven't watched in a while and since I haven't been responsible with my spending I'm trying to crack down. However I feel lost now on your videos. All the worksheets except the tracker seems complex. 😓

  • @TheOscar15432
    @TheOscar15432 6 วันที่ผ่านมา

    Really enjoyed your video.

  • @shanealvarez
    @shanealvarez 11 วันที่ผ่านมา

    If it works Ur on the right track

  • @kimberlyberry9453
    @kimberlyberry9453 26 วันที่ผ่านมา

    Really enjoyed the video Dante is getting really big

  • @brittanylong6558
    @brittanylong6558 24 วันที่ผ่านมา

    I love the AHA Moment with the interchangeable covers! "*GASP* IT'S AN INTERCHANGEABLE COVER!" Hilarious!

  • @fatimamills2249
    @fatimamills2249 27 วันที่ผ่านมา +1

    I love your videos

  • @LiveLaughLoveDream23
    @LiveLaughLoveDream23 26 วันที่ผ่านมา

    Love the video! I would say the running should go under health and beauty. I don’t classify running as “fun”.. but I know a lot do ❤️❤️

  • @KT-rh7hq
    @KT-rh7hq 27 วันที่ผ่านมา

    Hi Miko! I’m actually in the process of getting images together to create my own vision board. Where did you get yours? I love the style! Thank you!

    • @sherrybendall5817
      @sherrybendall5817 26 วันที่ผ่านมา

      Check out Terri Savelle Foy for vision board inspiration.

  • @suziekrieger4110
    @suziekrieger4110 26 วันที่ผ่านมา

    That’s the way it’s supposed to work. I have seen different branches be short staffed and not follow that practice. You have no proof if cash goes ‘missing’ or an ‘empty’ deposit envelope is put in machine, which happens often.

  • @WealthIsFreedomBudgets
    @WealthIsFreedomBudgets 25 วันที่ผ่านมา +1

    Hi Miko when in May will the challenge box be available?

  • @sarahhouk
    @sarahhouk 26 วันที่ผ่านมา

    Baby Dante is so cute! ❤

  • @Budgetwithfreshsalad3544
    @Budgetwithfreshsalad3544 25 วันที่ผ่านมา

    Nice video ❤🎉

  • @stacykhernandez
    @stacykhernandez 13 วันที่ผ่านมา

    Do you have or will you have a video on how many accounts you have in the bank?

  • @shanealvarez
    @shanealvarez 11 วันที่ผ่านมา

    Nice goals

  • @deborahbain9915
    @deborahbain9915 21 วันที่ผ่านมา

    I love Vision Boards mine came true

  • @charlangethompson1982
    @charlangethompson1982 26 วันที่ผ่านมา

    What is the best high yield savings account? Also what is the best way for someone to start investing?

  • @seasonalliving2881
    @seasonalliving2881 12 วันที่ผ่านมา

    is there a reason for using actual cash vs using your debit card?

  • @lindaruiz5479
    @lindaruiz5479 25 วันที่ผ่านมา

    I love that you did this!!! I don’t always have time to get on Instagram… mainly cause it sucks me in. Loved getting to see all that I missed through the month.

  • @carolejean8110
    @carolejean8110 25 วันที่ผ่านมา

    I have a sport category for races, gears, subscription, etc.

  • @carmenfitxx
    @carmenfitxx 23 วันที่ผ่านมา

    The started updating price on pick up o think

  • @Kathycamps
    @Kathycamps 23 วันที่ผ่านมา

    Hi 😀 I would put the running of the 10k as a donation because the money is raised for a good cause I'm guessing. At least that's how it is for any 5ks I do.

  • @conniegray2017
    @conniegray2017 9 วันที่ผ่านมา

    Marathon fee~~~I think health and beauty 😁

  • @suziekrieger4110
    @suziekrieger4110 23 วันที่ผ่านมา

    Tough lesson to learn ATMs are not full proof ways to deposit money. Hope it gets resolved in your favor soon!!

  • @badlands9100
    @badlands9100 24 วันที่ผ่านมา

    OMG! YOUR BABY IS BEAUTIFUL!

  • @bonniegaither3994
    @bonniegaither3994 8 วันที่ผ่านมา

    Seems to me if you monthly inflow is 16,000+ you really need to up your investments

  • @BethAnnesBest
    @BethAnnesBest 26 วันที่ผ่านมา +2

    On the anniversary of my Dads Death and his birthday I always eat his favorite food :)

  • @emilymurphy2926
    @emilymurphy2926 27 วันที่ผ่านมา

    Under Fun!

  • @ygsa88
    @ygsa88 27 วันที่ผ่านมา +1

    Running a race for me is a hobbie. So I would track it as Fun

  • @Birdmom1823
    @Birdmom1823 5 วันที่ผ่านมา

    💜💙💜💙💜

  • @zelmawills8606
    @zelmawills8606 11 วันที่ผ่านมา

    Sarah
    You can still go out with your friends just order less
    Eat at home or take some food with you
    That way your takeaway don’t go over your budget

  • @ZiggyMoney911
    @ZiggyMoney911 24 วันที่ผ่านมา

    Cute little guy!!!❤

  • @shaneannconnell8022
    @shaneannconnell8022 19 วันที่ผ่านมา +1

    This is confusing.

  • @katja6228
    @katja6228 13 วันที่ผ่านมา

    Are you going to Europe as I saw Euro in your wallet.

    • @zo_471
      @zo_471 13 วันที่ผ่านมา

      Yes she’s doing a baking camp or something in Switzerland later in the year

  • @barbieamica2023
    @barbieamica2023 27 วันที่ผ่านมา +1

    Good morning
    I can’t wait to finish the video
    Are you going to share the same videos that you are going to do on Instagram over here? I don’t have Instagram 😉

    • @thebudgetmom
      @thebudgetmom  27 วันที่ผ่านมา +1

      Not all videos, but some 🙂

    • @KT-rh7hq
      @KT-rh7hq 27 วันที่ผ่านมา

      Hi Milo, where did you get your vision board from? I love it and I’m getting ready to create my own vision board!

    • @tinaturull3793
      @tinaturull3793 27 วันที่ผ่านมา +1

      I wish you would share all your videos on youtube. How is Ryan doing?

  • @jiysjourney
    @jiysjourney 18 วันที่ผ่านมา

    💜🖤💜🖤