My wife and I did very well in the amount of money that we amassed for retirement. Well over 80% of that money averaging about $2 million was made because of taking advantage of buying high-end stocks at a deep discount during the Great Recession. 2009 I fired the stockbroker got rid of all mutual funds and bought individual dividend stocks. Be patient don't get scared and do your homework and you can make a killing.
natalia I agree, my profit has been consistent regardless of the market situation, I entered the market in early 2018 and the constant downtrends and losses discouraged me so I sold, came back in December 2020, this time with the guidance of a recommended investment advisor from a well-known economist on a subreddit, long story short, it's been 2 years now and I've made over $850,000 on the guidance of my investment advisor.
@@MariusNatt “Autumn Lynzi Smith” is the investment advisor that guides me, you probably might've come across her before. She's quite known in her field so make sure you look her up because it shouldn't be difficult to find her website.
I know posting CZcams videos is a lot of work, but I would love to see more videos, especially BBP strategies for real budgets people send in. Your methods are the most effective budget strategy I have seen yet, and I crave more knowledge!!! Thank you! 💚💙💜
Thank you for mentioning separate savings accounts for sinking funds! Family thought I was crazy when I rejoined the workforce at a school and opened 1 checking and 2 savings. Checking to keep my pay separate from my son's social security, one savings for house down payment, and one savings to cover the summer months I don't get paid. It's been a year and worked great! I was surprised at the amount of coworkers who don't save for summer. They just work at other jobs for less pay and hope bills get paid. I'd rather live on less all year and have the summer off to do projects I can't get done during school.
Because I was motivated by you a couple years ago to plan for Christmas - when Amazon day hit this year I was able to get ALL the presents I needed since the deals were great and I had enough saved already. I hate Christmas shopping so this is AMAZING!!!
Kumiko, I'm trying to get my husband to live a life with no debt but he just doesn't have the vision. You continue to be my motivation to get out of debt.
Thank you so much for teaching me about sinking funds. I currently have over $6000 in sinking funds. From car replacement, house and car repairs, Christmas, Vacation, eye glasses, tires.
In the past I have done the 52 week savings challenge and was quite successful I actually used that money to purchase a memorial stone for my father and my brother. What I have been doing for the past year is taking 10% of my paycheck and at the end of the month I would divide that by three and split it up between different savings goals. I'm also doing the $5 envelope which I am dedicating to getting back into a bowling league. I may at some point do the 52 week again but right now I'm happy with what I'm accomplishing.
As a newly single parent, this information has truly inspired me to get my finances together as the struggle is real and the resources you've provided offers the help that I needed - thank you!
I love the visual trackers. I did a “Christmas in July” challenge this year and saved $250 in 5 weeks. So instead of having to worry later I’ll be prepared and excited.
I find myself so much more motivated by seeing my sinking funds in my envelopes. Im lucky in that my debt is all relatively low interest so I've chosen to start sinking funds instead of funneling it toward debt because Im so much more motivated to add to those. It took me 4 months to actually figure out a budget that works for me, not what I want it to be. Its so great to see the youtube budgeting community and how they use the TBM method in their lives. Has made such a big difference in my life.
I do this too, except I keep it to 3 categories for my own sanity. 1. Household: kids' purchases, clothing, holidays, vacations, pets, furniture (things that come up that aren't reoccurring expenses) these are bigger family purchases that usually require a conversation with the hubs to make sure we're making these decisions together. 2. Maintenance: cars & home. And 3. Emergency Fund. :)
Excited that you guys are planning to have more children. I’m sure James will be a great big brother. Thank you for sharing your future plans with us ☺️
My debt was piling up and I was overwhelmed. I got a personal loan from my bank to pay all my credit cards off. I have a set monthly payment for the loan. Now I will budget what is left. I’m even going to budget for a savings. Your video was extremely helpful. Thank you.
Right now I have a sinking for a range, car tires and car insurance bc I pay that every six months. I have already reached my snow blower sinking fund for this winter. Whoo hoo!
I have drained all of our sinking funds when I went on Maternity leave (1 yr). I am so excited to start again once I got back at work next month. I need to really focus this time coz I am starting from 0.
You are amazing!! I’m so glad I found your videos… I’ve been kicked so many times.. and when I’m down.. I just watch one of your videos and gives a boost to get back on track!! Thank you for sharing your knowledge!!! Your awesome!!!
Focussed sinking funds have saved me so much! As a result of trying to pay off debt, mine are few; Christmas, Birthdays (ongoing of course), Renter's Insurance, and Income Tax. Everything else I either have to cash flow (unlikely, lol) or do without. I am also contributing to an Emergency Fund, and hope to tie the debt and EF in a bow in 2 years. Your method and channel are a saving grace for many of us. Bless your new family Miko!
Great savings video. Please consider making more stickers in your TBM shop. I love using them on each paycheck budget tracker pages for payday in my workbook. Makes budget cute as I record my budget and actuals for that paycheck. Easier than doodling. Love stickers you sent in prior LVP and BBP workbooks!
That's what my dad does he has savings just for property taxes and each month they put money into it. I honestly didn't know what sinking funds were until today. I always just called it general savings. Yeah I have a cash envelope for hair cut I go every other month they only take cash easier to just make an envelope for it. Bowling money since I'm on a league. I do have one for holidays but I usually go buy a gift cards for where I plan spending my Christmas sinking fun it so I don't go over what the budget allows.
Yes! I am currently doing your Building Blocks of Budgeting course and I love your style. I’ve lost some steam after finding you at the end of last year but the course and videos like this are pumping me up to get going and crush some goals!! Thank you so much!! I’ll be sending you all the baby vibes!!
Can you do a video of real life shopping with your envelopes? Especially grocery shopping with a mixed cart. What do you do when you go to the store and buy food, home cleaning supplies, and toiletries when those are three separate envelopes in your budget. Maybe like a day in the life video with getting gas and grabbing lunch out as well to show using your envelopes all over.
Miko I missed your videos so much. I follow you on IG but it is not the same for me. Love your videos and I have created this habit of cooking and listened to your videos too. Thanks for this.
I really need to redo my sinking funds. Baby fund tip. When you know of what hospital you will use for birth, or even possible transfer from home or birthing center. Contact them and learn about what cash pay before discharge is. We were just told possibly up to $6000 for hospital (not doctor or anesthesiologist) vs if we leave and they charge insurance it would be $20,000 to $50,000. We are totally paying cash before discharge in a week or two.
My wife and I get a spending allowance every week and when that money is gone you don’t spend anymore. The rest goes to sinking funds/ emergency/groceries and debt
I’ve been struggling with savings for a long time every time I try to kickstart I end up needing that money for something. This very helpful and I’m hoping to begin working on saving an EF starting in September.
This is amazing and so helpful. I’m struggling to get this year sorted so definitely want to start sooner for big events. My eldest has his birthday on December 21st and next year he will be 10 so want to spoil him a little more. Being a single mum in the UK with 3 children means I don’t have much spare but little and often will certainly be a huge help. Love your videos 🥰 How exciting about the wedding being so soon and about the baby 🥰 That’s one thing I wish I’d done was save more before having children xx
*Learn how to budget and save!* Me... Goes and buys a $75 (CAD) budgeting book with money I don't have to spend.. 😂😂😂 I'm off to a great start! Really excited about it though. 💚
I start my sinking funds over after the "event" happens instead of restarting in January. I do this to have even dollar amounts and to have cash available at all times. For example, my son's birthday is in May and I save $20 a month, every month instead of $44 for 5 months and then nothing for the rest of the year. I also don't go into the bank to get cash, I use the ATM so it is much easier to have my amounts a round number instead of trying to scrounge up $1 bills. Just like Christmas presents, you may want to buy a birthday present months in advance, so it is handy to always have some cash available in that envelope at all times. I often find things for my son's May birthday during Black Friday or Christmas and if I didn't start filling his envelope till January, I wouldn't have the cash to buy it.
This year I became debt free I've saved a fully funded emergency fund while cash flowing everything I have my envelopes ready so I can start my sinking funds for 2023 (it's my goal) I'm currently cash flowing Christmas now so in October my money is free to start off my sinking funds for next year as I've alot of sinking funds due at the start of the year love your visual board
This video is awesome!! I’m grateful for the financial information you’ve provided and I love the idea of a sinking funds vision board- would have never thought about that!! Also, Can you make a video on the types of pens and highlighters you use and why you like certain products over others please 🌻🌻🌻
Miko has a video on the pens and other supplies she uses, it’s called My Budget Station. You can find it under the Organize and Clean playlist on her channel. Hope this helps!
I went to purchase my Budget Book today, and they're out of stock until next October? Are you closing up shop? I've used your books for the last two years and I love them, and now I have to go find something else to use. Do you have any recommendations? In years past I receive an email telling me to pre-order my budget book. Did you not make any this year? I hope it comes back soon, because it's a huge help. Thanks!
This year has been hell for me financially started off well and by July terrible. Financially and emotionally..I'm finally back in a good head space and back working so I'm starting all over.Hopefully 2023 be better for me.
Thank you for this video, it was very helpful in giving me understanding of sinking funds and how to use them. I'm now more prepared to setting goals and start saving in 2023.
I've also already done my savings 2023 sinking funds sheet as the end of the year is crazy with so many changes going to happen. I'm so happy to see a video on my feed!
I wish I’d seen this when I first started out, although I am on top of it all now. I’ve already started 2023 budget too, so I’m glad I’m not alone on that ❤️
Hey I am watching your video fr ok m 3 years ago when she redid your kitchen to organize. I saw that you use chocolate sauce from Hershey's. I saw that you did not have it in the refrigerator. It says to refrigerate after opening. My old boyfriend's mom kept hers in the cabinet after she had opened it and it had molded. Please be careful
Hey Kumiko! Congrats on the baby!! I love your channel, planner, newsletter, and resources. You have been a big part of my financial journey (for my BFF and me alike). I have the 2022 planner in PDF. I noticed the planner has a better Yearly Balance Review pages than the one that’s currently in your shop as a standalone item. I like how the one in your shop is only one page. Please let me know when you do have it available for purchase on your shop as one page with the updated graphs. Thank you for all you do! :)
This year I felt off of time to get a hole on my fault of my finances this year I’m going to start doing a lot better for the upcoming year for these next six months. I’m gonna focus on trying to lower my debt lower my savings getting my savings in order. But I wanted to know when is your savings challenge coming out for next year?
Thank you, Miko; ever since our family has used the sinking fund, it has really changed our budget and savings for the better. Will you have some new sinking fund developed in the new year or before?
I live in the UK and it's really impossible for most people to save at the moment. I don't have Netflix , gym memberships, hobbies, I don't eat out, drink or smoke and I can only save about £50 towards my car insurance a month max. I have tried to save more but it's such a squeeze with my job. Now my boyfriend has moved in and I've had to go down to part time work due to ill health. This means I have to survive off £650 a month and get no help from the government. My half of the rent alone is £275 and then there's bills and council tax. It really disheartens me when I see you can put $100 away for this and $100 for that etc because I literally have no disposable income. I'm using cash envelopes and budgeting to the bare bone but it's impossible to gain any financial stability because the UK right now is paying people so little
There are rich and poor people in the US, too. Not everyone is able to save as much but the concept is really helpful, and you can adapt it to your situation.
Thanks for this. I just finished budgeting for the rest of August. I also did my monthly overview for September. This reminded me I need to plan for the holidays. I keep track of what I spent last year. I know I am not going to be able to save for everything now. I am planning to start saving with the biggest expense and work down my list to least expensive. By November I should be able to cash flow the least expensive items.
Thank you for this I just started cash stuffing last month and I'm excited to start these goals for next year and I'm a visual person and can't wait too make my own. visual board
I never can close to the exact amount because I don't know hoe to track what I save for my sinking funds or how to track it when I do use the money from the envelope
Would love to see more videos of your channel on CZcams. I always learn something new. When will the next Workbook for 2022-2023 come out? I finish my current one with September.
I find myself changing up my sinking funds around more than I should. Sometimes I get down to super detail the. i switch it up and combine some. Did you find yourself doing this in the beginning? I feel like I am all over the place sometimes.
My goal this year is to pay off my car and next year is to pay off a dental bill (had major surgery a few months and had to take out a loan but I' have been paying toward it and pay a little more than the bill asks for)). Once I pay off the car then that money will rollover to the dental) . Then I want to get rid of one of my CC. I also do some envelopes such as Christmas, vacation and a few others. I do need to do a sinking fund for my car.
Hey there. Do you do one on ones to help with creating a budget? I am not good with money, and some months, I have more month than my money. I make an ok amount of money each month, and this has me frustrated. Please advise. Thanks. Cynthia
Thank you for this beneficial video! You are very intelligent! I learned some good tips from this video. I will be putting my Savings challenges on a wall where I can see them. Your nails are beautiful, by the way. Love the color.
I started your program in March 2022 and me and my husband have saved $9000! I can’t wait to see what next year will bring for us
Well done!
Miko should start a series on TBM success stories! You should be featured!
💵
Congrats which program?
That’s amazing! Congratulations
My wife and I did very well in the amount of money that we amassed for retirement. Well over 80% of that money averaging about $2 million was made because of taking advantage of buying high-end stocks at a deep discount during the Great Recession. 2009 I fired the stockbroker got rid of all mutual funds and bought individual dividend stocks. Be patient don't get scared and do your homework and you can make a killing.
natalia I agree, my profit has been consistent regardless of the market situation, I entered the market in early 2018 and the constant downtrends and losses discouraged me so I sold, came back in December 2020, this time with the guidance of a recommended investment advisor from a well-known economist on a subreddit, long story short, it's been 2 years now and I've made over $850,000 on the guidance of my investment advisor.
@@ReidCoffman1 >I've lost a ton just hanging on so I can bounce back I really need help, so who is this investment advisor guiding you?
@@MariusNatt “Autumn Lynzi Smith” is the investment advisor that guides me, you probably might've come across her before. She's quite known in her field so make sure you look her up because it shouldn't be difficult to find her website.
@@ReidCoffman1 what did you start with? 8 million investment?
I know posting CZcams videos is a lot of work, but I would love to see more videos, especially BBP strategies for real budgets people send in. Your methods are the most effective budget strategy I have seen yet, and I crave more knowledge!!! Thank you! 💚💙💜
Thank you for mentioning separate savings accounts for sinking funds! Family thought I was crazy when I rejoined the workforce at a school and opened 1 checking and 2 savings. Checking to keep my pay separate from my son's social security, one savings for house down payment, and one savings to cover the summer months I don't get paid. It's been a year and worked great! I was surprised at the amount of coworkers who don't save for summer. They just work at other jobs for less pay and hope bills get paid. I'd rather live on less all year and have the summer off to do projects I can't get done during school.
Our school board pays us over the entire year, even though we only work 10 months.
Because I was motivated by you a couple years ago to plan for Christmas - when Amazon day hit this year I was able to get ALL the presents I needed since the deals were great and I had enough saved already. I hate Christmas shopping so this is AMAZING!!!
Good job! 🙌🏻
That's awesome! 🤩
That’s such a good idea
Kumiko,
I'm trying to get my husband to live a life with no debt but he just doesn't have the vision. You continue to be my motivation to get out of debt.
Same
Same!
My hubby is the reason we have debts… all his bad decisions 🙄
@@vanessacaltabiano9775 😂😂😂😂😂
Same.. it’s very hard because we’re the complete opposite.
Thank you so much for teaching me about sinking funds. I currently have over $6000 in sinking funds. From car replacement, house and car repairs, Christmas, Vacation, eye glasses, tires.
That's awesome!
In the past I have done the 52 week savings challenge and was quite successful I actually used that money to purchase a memorial stone for my father and my brother. What I have been doing for the past year is taking 10% of my paycheck and at the end of the month I would divide that by three and split it up between different savings goals. I'm also doing the $5 envelope which I am dedicating to getting back into a bowling league. I may at some point do the 52 week again but right now I'm happy with what I'm accomplishing.
As a newly single parent, this information has truly inspired me to get my finances together as the struggle is real and the resources you've provided offers the help that I needed - thank you!
I love the visual trackers. I did a “Christmas in July” challenge this year and saved $250 in 5 weeks. So instead of having to worry later I’ll be prepared and excited.
I find myself so much more motivated by seeing my sinking funds in my envelopes. Im lucky in that my debt is all relatively low interest so I've chosen to start sinking funds instead of funneling it toward debt because Im so much more motivated to add to those.
It took me 4 months to actually figure out a budget that works for me, not what I want it to be. Its so great to see the youtube budgeting community and how they use the TBM method in their lives. Has made such a big difference in my life.
Anyone else miss when she showed us doing her budget planning at the beginning of the month?
I do this too, except I keep it to 3 categories for my own sanity. 1. Household: kids' purchases, clothing, holidays, vacations, pets, furniture (things that come up that aren't reoccurring expenses) these are bigger family purchases that usually require a conversation with the hubs to make sure we're making these decisions together. 2. Maintenance: cars & home. And 3. Emergency Fund. :)
Excited that you guys are planning to have more children. I’m sure James will be a great big brother. Thank you for sharing your future plans with us ☺️
My debt was piling up and I was overwhelmed. I got a personal loan from my bank to pay all my credit cards off. I have a set monthly payment for the loan. Now I will budget what is left. I’m even going to budget for a savings. Your video was extremely helpful. Thank you.
Right now I have a sinking for a range, car tires and car insurance bc I pay that every six months. I have already reached my snow blower sinking fund for this winter. Whoo hoo!
Whoooohoo! Congratulations 🎉🎉🎉
I have drained all of our sinking funds when I went on Maternity leave (1 yr). I am so excited to start again once I got back at work next month. I need to really focus this time coz I am starting from 0.
Our bank now offers electronic envelopes in their online savings accounts. It has come in handy for categorizing sinking funds inside the account
You are amazing!! I’m so glad I found your videos… I’ve been kicked so many times.. and when I’m down.. I just watch one of your videos and gives a boost to get back on track!! Thank you for sharing your knowledge!!! Your awesome!!!
When does the 2023 budget planner come out?
Focussed sinking funds have saved me so much! As a result of trying to pay off debt, mine are few; Christmas, Birthdays (ongoing of course), Renter's Insurance, and Income Tax. Everything else I either have to cash flow (unlikely, lol) or do without. I am also contributing to an Emergency Fund, and hope to tie the debt and EF in a bow in 2 years. Your method and channel are a saving grace for many of us. Bless your new family Miko!
Great savings video. Please consider making more stickers in your TBM shop. I love using them on each paycheck budget tracker pages for payday in my workbook. Makes budget cute as I record my budget and actuals for that paycheck. Easier than doodling. Love stickers you sent in prior LVP and BBP workbooks!
That's what my dad does he has savings just for property taxes and each month they put money into it. I honestly didn't know what sinking funds were until today. I always just called it general savings. Yeah I have a cash envelope for hair cut I go every other month they only take cash easier to just make an envelope for it. Bowling money since I'm on a league. I do have one for holidays but I usually go buy a gift cards for where I plan spending my Christmas sinking fun it so I don't go over what the budget allows.
Yes! I am currently doing your Building Blocks of Budgeting course and I love your style. I’ve lost some steam after finding you at the end of last year but the course and videos like this are pumping me up to get going and crush some goals!! Thank you so much!!
I’ll be sending you all the baby vibes!!
Can you do a video of real life shopping with your envelopes? Especially grocery shopping with a mixed cart. What do you do when you go to the store and buy food, home cleaning supplies, and toiletries when those are three separate envelopes in your budget. Maybe like a day in the life video with getting gas and grabbing lunch out as well to show using your envelopes all over.
Congratulations on your wedding
I wish you and your family lots of wealth health and happiness
Sending lots of love xx❤️❤️❤️❤️
Miko I missed your videos so much. I follow you on IG but it is not the same for me. Love your videos and I have created this habit of cooking and listened to your videos too. Thanks for this.
I apologize if you have already answered this. Are you going to be doing a 2023 savings challenge this year?
Thank you - this video really answered a lot of questions I have had. Congratulations on your upcoming wedding!!!!
I’m going on year 3 and saved a lot the savings challenges are my obsession when it comes to variable spending
I really need to redo my sinking funds.
Baby fund tip. When you know of what hospital you will use for birth, or even possible transfer from home or birthing center. Contact them and learn about what cash pay before discharge is. We were just told possibly up to $6000 for hospital (not doctor or anesthesiologist) vs if we leave and they charge insurance it would be $20,000 to $50,000. We are totally paying cash before discharge in a week or two.
I am curious about how you plan on merging your finances after getting married...if you are. That would be great for the married folks!
My wife and I get a spending allowance every week and when that money is gone you don’t spend anymore. The rest goes to sinking funds/ emergency/groceries and debt
I’ve been struggling with savings for a long time every time I try to kickstart I end up needing that money for something. This very helpful and I’m hoping to begin working on saving an EF starting in September.
Amazing video - I’ve been budgeting for almost a year now but always get motivated again listening to you 🙌
I’ve recently started a pets sinking fund and I’m keeping that online. Now I’m really focusing on having different savings so I can reach my goals.
This is amazing and so helpful. I’m struggling to get this year sorted so definitely want to start sooner for big events. My eldest has his birthday on December 21st and next year he will be 10 so want to spoil him a little more. Being a single mum in the UK with 3 children means I don’t have much spare but little and often will certainly be a huge help. Love your videos 🥰 How exciting about the wedding being so soon and about the baby 🥰 That’s one thing I wish I’d done was save more before having children xx
*Learn how to budget and save!*
Me... Goes and buys a $75 (CAD) budgeting book with money I don't have to spend.. 😂😂😂 I'm off to a great start!
Really excited about it though. 💚
Omg, I'm so glad I stumbled across your channel. I've seen so many of these videos and yours made the most sense for me. Thank you! 😊
YAY I was just asking in an older video if you were going to do this VERY VIDEO! I never clicked on an alert so quickly in my life! LOL
LOL I saw your comment this morning! :)
I start my sinking funds over after the "event" happens instead of restarting in January. I do this to have even dollar amounts and to have cash available at all times. For example, my son's birthday is in May and I save $20 a month, every month instead of $44 for 5 months and then nothing for the rest of the year. I also don't go into the bank to get cash, I use the ATM so it is much easier to have my amounts a round number instead of trying to scrounge up $1 bills. Just like Christmas presents, you may want to buy a birthday present months in advance, so it is handy to always have some cash available in that envelope at all times. I often find things for my son's May birthday during Black Friday or Christmas and if I didn't start filling his envelope till January, I wouldn't have the cash to buy it.
I am already planning for 2023, so I am the same way. My husband thinks I am nuts but I'm ok with it. I am planning ahead.
This year I became debt free I've saved a fully funded emergency fund while cash flowing everything I have my envelopes ready so I can start my sinking funds for 2023 (it's my goal) I'm currently cash flowing Christmas now so in October my money is free to start off my sinking funds for next year as I've alot of sinking funds due at the start of the year love your visual board
This video is awesome!! I’m grateful for the financial information you’ve provided and I love the idea of a sinking funds vision board- would have never thought about that!! Also, Can you make a video on the types of pens and highlighters you use and why you like certain products over others please 🌻🌻🌻
Miko has a video on the pens and other supplies she uses, it’s called My Budget Station. You can find it under the Organize and Clean playlist on her channel. Hope this helps!
I went to purchase my Budget Book today, and they're out of stock until next October? Are you closing up shop? I've used your books for the last two years and I love them, and now I have to go find something else to use. Do you have any recommendations? In years past I receive an email telling me to pre-order my budget book. Did you not make any this year? I hope it comes back soon, because it's a huge help. Thanks!
This year has been hell for me financially started off well and by July terrible. Financially and emotionally..I'm finally back in a good head space and back working so I'm starting all over.Hopefully 2023 be better for me.
This really motivates me to get my savings goals in mind for the coming year! Thank you Miko ♥️
My fav is the Costco saving envelope. I never thought of this and I thank you. Costco is what keeps me in debt.
I just found you a few days ago thanks to my sister and nieces.
Can't wait to see where I am in half a year!
I like how you have the trackers on a board.
Yay! Baby plans! So fun to watch your journey. I was watching before your move to this house!
Thank you for this video, it was very helpful in giving me understanding of sinking funds and how to use them. I'm now more prepared to setting goals and start saving in 2023.
I found you late... Great channel. I wille spend next weeks cathing up yours videos
Thanks for being such a blessing!! I'm going to do this for 2023! And CONGRATS on your soon nuptials!!❤
I’ve been trying to figure out the ring you wear around your neck and have been wondering since I started watching your channel since last year.
This was so helpful for me 🥰💜 would love to see more videos from you in future 😄
I've also already done my savings 2023 sinking funds sheet as the end of the year is crazy with so many changes going to happen. I'm so happy to see a video on my feed!
Definitely the envelop method helps me a lot on get in control of my finances
Also alternative to cash maybe use gift cards that can be replenished in the same way
I'm excited, I got a little off track last 3 months, looking forward to 2023
I wish I’d seen this when I first started out, although I am on top of it all now. I’ve already started 2023 budget too, so I’m glad I’m not alone on that ❤️
I would like to buy my budget by paycheck planner now, but there’s nothing new out there yet. Are you going to print more this year?
Great advice. Start early. Organized people who think things through. Get things done.
Hey I am watching your video fr ok m 3 years ago when she redid your kitchen to organize. I saw that you use chocolate sauce from Hershey's. I saw that you did not have it in the refrigerator. It says to refrigerate after opening. My old boyfriend's mom kept hers in the cabinet after she had opened it and it had molded. Please be careful
Hey Kumiko! Congrats on the baby!! I love your channel, planner, newsletter, and resources. You have been a big part of my financial journey (for my BFF and me alike). I have the 2022 planner in PDF. I noticed the planner has a better Yearly Balance Review pages than the one that’s currently in your shop as a standalone item. I like how the one in your shop is only one page. Please let me know when you do have it available for purchase on your shop as one page with the updated graphs. Thank you for all you do! :)
This year I felt off of time to get a hole on my fault of my finances this year I’m going to start doing a lot better for the upcoming year for these next six months. I’m gonna focus on trying to lower my debt lower my savings getting my savings in order. But I wanted to know when is your savings challenge coming out for next year?
When will the 2023 Budget planner come out?
Your channel has been a saving grace for me! Thank you so much.. 🙏🏻
Always good content.
Thank you!
Great tips love your style of budgeting
Thank you, Miko; ever since our family has used the sinking fund, it has really changed our budget and savings for the better. Will you have some new sinking fund developed in the new year or before?
I love the visual board!
great video! I have a few savings goals that I want to save for, for sure christmas, travel, birthday, and emergency fund
I live in the UK and it's really impossible for most people to save at the moment. I don't have Netflix , gym memberships, hobbies, I don't eat out, drink or smoke and I can only save about £50 towards my car insurance a month max. I have tried to save more but it's such a squeeze with my job. Now my boyfriend has moved in and I've had to go down to part time work due to ill health. This means I have to survive off £650 a month and get no help from the government. My half of the rent alone is £275 and then there's bills and council tax. It really disheartens me when I see you can put $100 away for this and $100 for that etc because I literally have no disposable income. I'm using cash envelopes and budgeting to the bare bone but it's impossible to gain any financial stability because the UK right now is paying people so little
There are rich and poor people in the US, too. Not everyone is able to save as much but the concept is really helpful, and you can adapt it to your situation.
Thanks for this. I just finished budgeting for the rest of August. I also did my monthly overview for September. This reminded me I need to plan for the holidays. I keep track of what I spent last year. I know I am not going to be able to save for everything now. I am planning to start saving with the biggest expense and work down my list to least expensive. By November I should be able to cash flow the least expensive items.
will you have the 2023 savings Challenge again? I loves the 2022!
This system works and thank you for sharing it with everyone!
awesome tips! thanks for the motivation, Kumiko!
So your Costco fund is more of a cash envelope than a sinking fund right?
Such great info in this video. And it helps young and us older folks alike. Thank you.
Heading home to Spokane for the yearly vacation on Sept 2. 1600 to rent a car for two weeks yikes. A definite budget buster.
Good luck with your wedding! I hope everything goes as planned. Congratulations!
When you said you are wanting to expand your family, I said “Aww,” you said, “I know.” Ha! Felt like we were having a conversation!
Great video Miko!
Congratulations on your marrige, You are always an inspiration for me and to keep me going in this journey 💞
Thank you for this I just started cash stuffing last month and I'm excited to start these goals for next year and I'm a visual person and can't wait too make my own. visual board
Hi Budget Mom, are you going to bring back your BBP workbooks? I went to buy one online and there are none available.
I never can close to the exact amount because I don't know hoe to track what I save for my sinking funds or how to track it when I do use the money from the envelope
You are appreciated! Congratulations on wedding!
Would love to see more videos of your channel on CZcams. I always learn something new. When will the next Workbook for 2022-2023 come out? I finish my current one with September.
This is the smartest thing ever. I need this in my life. You are a genius. Thanks tons. New subscriber❤
I notice there's no change🪙🪙 in the envelopes. Does everything get rounded and what do u do with the change ?
I find myself changing up my sinking funds around more than I should. Sometimes I get down to super detail the. i switch it up and combine some. Did you find yourself doing this in the beginning? I feel like I am all over the place sometimes.
Your savings goals trackers are so cute. 🥰
Fantastic!!
Where do I find this sinking funds page? Is it in the planner or a separate printable sheet in her shop? I can’t seem to find it anywhere.
Enjoyed your pre planning post
My goal this year is to pay off my car and next year is to pay off a dental bill (had major surgery a few months and had to take out a loan but I' have been paying toward it and pay a little more than the bill asks for)). Once I pay off the car then that money will rollover to the dental) . Then I want to get rid of one of my CC. I also do some envelopes such as Christmas, vacation and a few others. I do need to do a sinking fund for my car.
Hey there. Do you do one on ones to help with creating a budget? I am not good with money, and some months, I have more month than my money. I make an ok amount of money each month, and this has me frustrated. Please advise. Thanks. Cynthia
Is there a 2023 savings challenge bundle?
Thank you for this beneficial video! You are very intelligent! I learned some good tips from this video. I will be putting my Savings challenges on a wall where I can see them.
Your nails are beautiful, by the way. Love the color.