As hard and as embarrassing as it was for you, I must say this video is so refreshing! Itâs nice to see someone be 100% real on here. These are real life struggles that we all deal with from time to time
Itâs refreshing to watch budgeting videos where the creator is REAL ABOUT LIFE! Iâm not looking for perfection, Iâm looking for reality so thank you for that Lisa đ
Lisa the key is you didnt go back into debt...your budgeting skills have allowed for this and recognised when to stop. This is a great lesson to us all!! Take care xx
Please donât ever get embarrassed. Identify the problem is the first step. I have always loved your videos. I follow it for my own budget. Keep up the excellent job
Iâm also a paycheck budgeter and I do not prepare monthly budgets. Every other Friday, I break out with my budget book and create a plan. Great video Lisa. âBe true to you.â
đPlease don't avoid making videos because you accidentally did something that you're not proud of we can all relate to that. This whole year has been an embarrassment for my budget as well and knowing that I'm not the only one out there is truly helpful so keep making videos.đ€
Getting a cleaning lady once every two weeks has made me so happy. It is an act of self care. We can all of course do the cleaning ourselves but taking that off the list of things to get done has been a huge relief.
Cleaning ladies donât get sidetracked coming into your home we at our own home tend to get sidetracked with other things the mail, checking the laundry taking the dog out etc and before you know it you wasted a boat load of time and your not done. They go through and deep clean and itâs done and you feel better. *** đnow I need to know how much your water bill is ****lol you will have to update us!!!! Hoping less then $50
Youâre doing better than a lot of us! Weâre human and make mistakes, many donât learn. Donât beat yourself up. Youâve motivated me to be accountable for my mistakes, to learn and keep going to do better⊠Thank you! Housekeeping is a form of selfcare, we canât do it all, so MY opinion is to take advantage of help when you can and need it. TFS and enjoy your day đ
Iâm proud of you for keeping going, despite the setback. Thank you for being open about it, too. Itâll help so many people to know theyâre not alone in it. Youâre awesome đ
This video helped me get back on track after weeks that turned into months of overspending. Thank you for being realistic because it inspired and reminded me that this happens to everyone! Planning for my second December Paycheck and excited to get back on track!!!
I REALLY needed to hear this today⊠as Iâm drowning in negative bank accts and bills coming at me faster than I can handle. Thank you for your honesty
I've been following you for a very long time and I just love that your budget is always simple, straight to the point and REAL. We are all human and spending struggles are real in most of us. Thank you so much for your transparency. You are truly a gift. đ
Lisa we all like to spend. I just went to bath and body works candle day and spent over $100. But this is a treat for me and a tradition for me and my daughter to do every year. Don't beat yourself up about over spending. I have a hard time over spending at the grocery store. Thanks for giving us inspiration Lisa!
Donât be embarrassed. I struggle with a spending problem. I appreciate your honesty. You also donât need to explain your choices like cleaning ladies or anything else for that matter. I used to mow my lawn. Believe me that as soon as I could afford to hire someone I did. It was exhausting. It freed up time, energy and it was so wonderful to come home to a mowed lawn. Iâve also learned Iâm more likely to blow my budget later when Iâve restrict myself too much.
Glad to hear Iâm not only one who has spending problem. Mine is charging on a credit card after I get it low. It helps me to hear others make mistakes too. Thanks for sharing. I loved when you said to be kind to yourself. I need to hear that.
I canât speak for the others but your humanity is what I enjoy about your videos. That and your voice. I could listen to you read the terms of service to CZcams. I have often fell victim to wild spending. Welcome to my world. Lol.
You are not flawed, Lisa Marie...you are human. It's admirable that you self-correct as needed...that's what adults do. I ALWAYS learn from your transparency. Thank you so much!
Glad you are back. Everyone goes through this stuff. So proud of you for being honest with this community. And sharing your life with us. We are here for you. Just like you are here for us. We all drop the ball. Not everyone gets back up and tries again. I'm glad you did!! Thank you for sharing and being honest. Love your videos.
This video was what I needed to hear and see. I have also felt such guilt and embarrassment about my spending and after nearly a YEAR am starting to get organized on how to tackle it. Being okay with being honest about what might be embarrassing is EVERYTHING. Thank you so so much for sharing this video!!
So glad you're back! Have missed you! Everyone has set backs. Recognizing, reorganizing, and moving forward is the best way to get through! Back in your basement days you taught me to keep my budget simple and to tailor it to my needs-thank you for that! We will be here for you and look forward to the videos to come!
If you only knew how awesome this video is! FINALLY someone who screws up with money just like me! Thank you! This was just what I needed to watch today.
Learn from this experience, give yourself grace, and move forward. I don't watch your videos because I'm looking for perfection. We're here because we're all in the same boat. You got this!!! đ
You don't have to be embarrassed when you're among friends. I do the same thing. The important thing is to just start again. I don't watch your videos to see perfect budgeting and saving. I just love watching your channel!! On a side note - I work at a water department and we have an adjustment policy in place for these kinds of things. Check with your water provider and see if they have one. You don't know if you don't ask. Have a great day Lisa.
Yep Christmas spending Gets Me Everytime you switch into gift buying mode and end up buying yourself many gifts along the way so easy to blow your budget.
Lisa I am so happy to see this video!! Glad you are doing videos again. I had to use all of my sinking/ savings yesterday due to A very unexpected bill that wiped me out financially. It emotionally hurt so bad. So I am watching you now and making a plan myself to get back on track. Hugs!! You have done it before you can do it again!!! I'll be right here with you
I love your videos, I donât watch them because I think youâre perfect, I watch them because youâre real. Watching you navigate your set back will help a lot of us navigate our own. Thank you!!
Life happens, oftentimes when everything seems to be going so well, but allowing yourself grace is what makes the journey a more realistic and rewarding one. Weâll get there one day! Iâm not giving up no matter how many times I have to âstart overâ or âresetâ!
I love your videos. I love that you budget simply in a plain notebook and I love that you are real and honest. I've been having the same problem with spending so I'm hoping to get on track right along with you. I'm looking forward to following your progress.
Thank you so much for sharing â€ïž I too, went a little crazy and overspent more than what I had budgeted for. Feeling a bit ashamed and overwhelmed but I got this. We got this! I'm back at the drawing board.
I have been buying gifts throughout the year for about 10yrs now. It has made such a difference in my life. It's so nice to have the gifts weeks before a birthday or holiday. I LOVE IT. The only advice I would give you is, have a designated place where you will always keep the gifts or you might end up misplacing them, as I have done a time or two. Hugs from Florida, Carolena
Iâm glad youâre sharing this. Iâm in the same boat and it is hard, but I really appreciate your honesty with where you are because I know now that I am not the only one. Thank you again! And I love the yearly budget video.
I have been putting off posting a debt update video because I too have gone off the rails! You inspired me to go home, post a video and be transparent with those few that are following me. Thanks for posting this video and being transparent! You got this!
Good morning, Lisa Marie. I'm also hitting the reset button on my budget/ spending. We really got off track this past summer with visiting family. I can't live with that type of monetary stress again. As I watched you, I broke down our bi-weekly check as to what needs to come out (no amounts yet). I also realized a couple of days ago that as a sole proprietor of a business, I don't get a Christmas bonus unless I allocate for that (seeing my husband's Christmas bonus was a punch to my own train.) I have to set myself up more as a business this year and stop saying I'm going to. Here's to a great 2023!
Thank you for being transparent. Give yourself some grace, you are human. If hiring a cleaning lady makes your life easier, go for it!! Do whatâs best for you.
I honestly love how honest you are because I too have a spending problem! I love seeing peoples budgets that are similar to mine who are also starting from the beginning. Thank you!
Do what works for you. Sometimes when we restrict ourselves too much , we end up going off the deep end. Iâm that way with food. Besides you will be making money on your videos so consider home cleaning an expense to earn more income.
I would much rather watch a video like this where you are being real- then someone who hides and fakes it. We all go through things like this : ) You got this!
I appreciate your honesty, and agree with other comments - it's refreshing to see 'real' struggles on YT vs perfection. My area of struggle is over-spending in the grocery stores - it's an addiction apparently, because I keep doing it when we're fully stocked in freezer/pantry. My NY resolution is to turn that around drastically.
Hi! Iâm a long time follower, I just wanted to say Iâm so proud of you for acknowledging your spending. Just know youâre not alone! Itâs that time of year, it happenssss. Iâm also going through the same thing esp the embarrassment l. But all we can do is stop it, learn from it, maybe up Christmas sinking fund for next year and move on. Donât let it bother you or consume you, just move forward! Also, Iâm so glad you actually decided to up your spending. You 100% deserve it and you should be able to do things you love. You donât need to live in survival mode 24/7. I think it was a very good idea to start enjoying your money a little bit. â€
This is the first video Iâve seen from you and this was so refreshing to hear a real story. I almost got emotional because I have totally lost control of my budget and to hear you be so transparent⊠thank you. New subscriber! Letâs get back on track togetherâ€
True life. It catches up with all of us. Also love that youâre back in the dotted notebook. Simplicity is refreshing. Thatâs what attracted me to your videos.
I love that you are so open and it is so helpful to see someone who is not doing it "perfect". I needed this encouragement! Also, I use cleaning help too and have been feeling guilty about that. You are so refreshing!
Does your job provide anything like mental health care or an employee assistance program? A counselor might be able to help you work through your spending problem a bit more. If a paycheck-to-paycheck and yearly budget work better for you, you do you! Edit: Also, we pay for folks to come in and deep clean our kitchen and bathroom about 2-3x per year. We're able to do it, but we work 40+ hours a week at jobs that are often stressful, on top of doing our day-to-day cleaning, pet care, budgeting, etc. So we feel like that $150 per cleaning is money well spent. Everybody's budget reflects their own values; some people spend money on things I don't care much about, but I don't judge them, because their life is not mine. đ€·ââ
I'm new here but I stumbled on to this channel and I am sticking around and definitely want to check out your back catalogue. Thanks for showing your humanity.
Thank you for admitting your faults! I am 43 and I have started budgeting last year. I'm still in progress to stick with what I budget for some of my categories.
Good Morning! Glad your back and thanks for being so honest. Real people make mistakes. You were the first CZcams video I saw during Covid and you are the person who got me started on my journey. I am happy to say it is working for me. Iâm even doing pretty good on my Christmas budget. Thank you Lisa for what you do.
Thank you for the motivation. I needed to hear Iâm not alone in my setback, not only was I off the budgeting bus I was also adding to my debt.. đąđąđą but Iâm getting back up at itâŠ
Thank you, for your honesty. Christmas gets me too. Although I pick up things throughout the year some how holidays happen and like you I have a spending problem. it is refreshing to see how you are in the red and how you are hoping the water bill will be lower. I understand where you are comin on the cleaning lady and lawn care. My son does mine for me but like you I would have to hire someone if he did not do it for me. I haven't got to the cleaning lady yet but that would be nice for when I am debt free. Please do not put yourself down, life happens and we learn from our mistakes. Thank you again for your honesty.
Itâs so helpful to see budget videos like yours that are REAL! Give yourself some grace. You have accomplished SO much and will continue to do so! Would love to see some of your old videos while you were working through your debt.
Iâm with you Lisa! Acknowledgement us the first part of recovery. Iâm married so itâs difficult, at times, to be on the same page. Youâre the best!! Keep going! Iâm praying youâll know the âwhyâ for overspending. I think my âwhyâ for overspending is bc I shop without a list. Hugs!!!
Regarding spending on cleaning and lawn services - if you have discretionary income, no debt, then it's a matter of what brings most value to you, and also helps you maximize what personal time you have. It sounds like you're likely going to spend those 'saved' hours on side hustles, so good on you!
I appreciate your honesty. I've been embarrassed for the lack financial literacy and being in debt at 50. I've finally moved past the embarrassment and fear because kept visualizing the future me.
Thank you for your honesty. I was irresponsible this year too. It all started with one Black Friday purchase. I didnât have a plan and Iâm pretty horrified at what I did too. Youâre not alone. â€ïž
Oh Lisa, Your ability to be so honest, Vulnerable and keep yourself Accountable on the Internet Blows my mind!!!! Thank you for this†Yes, you are human!!!!! Please give yourself some Grace. This is a hard journey and youâve made ALOT of positive steps Along the way!!! Great planning moving forward! Iâm looking forward towatching you get back on track and make Another years worth of progress!!!!â€â€â€đđ
Merry Christmas, Lisa! Thank you for making this video. I've been saving for a new apartment and may have an unexpected school bill due to issues with my financial aid. If I end up having to pay it out of pocket, I will have next to no savings. This video came at the perfect time as I will be having to start over as well.
I'm excited to see your video of your yearly budget! Also, we've all been there and are trying to better our own spending habits. Nobodys perfect. Be sure to give yourself grace! đ
You sounded a bit like someone in diet who has eaten a chocolate bar in at once at the beginning of your video !đ Joking appart : bravo for your budget! It is definitely the good way to avoid overspending !đđ If I just may suggest in your budget the following : You are too generous in gifts for your family and your food budget seems a bit high. You also forgot a category for yourself âmiscellaneous itemsâ that would allow you to have something to spend for you (without feeling guilty and staying reasonable). I really understand the cleaning lady because it totally makes sense. Iâm not so sure about that lawn fee. It seems very expensive (but you must have a huge garden). A little goat could be a good investment...and it produces milk! đđ
I'm glad you started making videos again. And no worries about the lawn care and cleaning ladies. We are paying off debt but have the same services because it's jus too much otherwise. No need to explain!
Always rooting you on. Straight forward , mindful frugality got you DEBT FREE. And Iâll be cheering you on for your home/land. Bring it on 2023 you got this đȘđŒđĄ
Thank you for sharing and for being real. I think paying for the cleaning services is a good trade off for having more time to do the things you love⊠and you certainly donât have to justify that to us, but thanks for doing so anyway.
So proud of you! I think you may be pleasantly surprised how having a clean environment around you will help mentally, etc. You see it's clean, you know it's clean, and it's one less thing to have hanging over your head. I think it's a good investment in yourself. Were you able to get your burst pipe taken care of? Yikes! Thanks for the video.
Thank you so much for sharing! I too have a spending problem so trust me I get it! At least you donât have any debt! That is phenomenal! Iâll be on my journey to get debt free in 2023! Youâve got a new sub!
I just did the same exact thing. I was doing so good and the past month and a half spent everything I had. I've been so stressed and depressed since. I need to forgive myself as you said you did. Thinking of you and hope we all can refocus!!
Every one falls off the wagon. The most important thing is that you are ready to regroup! Budgeting is hard for me especially at this time of year. Best wishes!! I can totally relate.
I needed to hear this video. We were doing really well the beginning of the year and then had major health issues pop up. Hopefully we are on the path to recovery. But we have to get back on track to paying off debt.
Good for you for coming clean to yourself and starting fresh! Acknowledging what didn't work for you and making the change! We also had a water leak this fall. And it took a big chunk of money. Our normal water bill is $120/month and it was over $1100! đł Pick up and move on!
Financial freedom is a journey. Give yourself some grace and push forward. The reason I follow your channel is I need some inspiration at times to reign myself back in.
Girl, same! This year got away from me, I usually start gift planning in August and I ended up just overspending in November and getting a little too close to the sun with my debt extra payments. I cannot trust myself to go to the stores, SO I HAVE TO STOP
I LOVE your honesty. I feel like many budgeters don't fully disclose when they overspend. They may share they did but they don't share how they felt about it and what they did to solve the issue like you did.
Hey Lisa! I'm so glad you're back! I remember watching your videos from your basement apartment in Virgina a few years ago. Please don't apologize for keeping it real. This is real life, and 2022 has been a rough year for overspending. I don't know if you're interested but two of the biggest things that have helped me recover from my overspending were Hannah Louise Poston's No Buy Year Playlist, and r/nobuy. I love your videos & can't wait to cheer you again! :)
Not overspending here however your post has caused me to reevaluate my budget for 2023! Thank you. I actually put a line in my budget for "oops" in case I do overspend
No need to explain about the cleaning ladies! So happy that you are doing it for you. We all stumble, multiple times! And it is hard, but you are setting a great example ands we should forgive ourselves when we mess up. Glad you are back đ
I completely agree on the paycheck budgeting versus monthlyâŠit has me confused too. Appreciate the transparencyâŠit helps to see real versus made up numbers. great video
Hi Lisađ€! First of all, there is no need to apologize because it happens...life be lifin' lol. Second, cute nails đ đ. My little ears perked up when you talked about your Netflix account. I'm going to try for 2023 to pay the full year to free me up while putting money off to the side for my 2024. I hope this helps a little. You've got thisđ€!
Glad you are back. Don't be too hard on yourself. Please give yourself some spending money apart from the cleaners. You ate debt free you are allowed and I always think you have been too hard on yourself with spending money xxx
Heck I hate to say but I over spent too. I totally blew my Christmas budget. It's so easy to do when you want to make the holidays magical for others. It will be ok, and you will get back on track. Don't be embarrassed you are just like the rest of us, and it's ok
As hard and as embarrassing as it was for you, I must say this video is so refreshing! Itâs nice to see someone be 100% real on here. These are real life struggles that we all deal with from time to time
I totally agree đą!
Itâs refreshing to watch budgeting videos where the creator is REAL ABOUT LIFE! Iâm not looking for perfection, Iâm looking for reality so thank you for that Lisa đ
Facts
Lisa the key is you didnt go back into debt...your budgeting skills have allowed for this and recognised when to stop. This is a great lesson to us all!! Take care xx
Please donât ever get embarrassed. Identify the problem is the first step. I have always loved your videos. I follow it for my own budget. Keep up the excellent job
Absolutely! We are here with you! đ
Iâm also a paycheck budgeter and I do not prepare monthly budgets. Every other Friday, I break out with my budget book and create a plan. Great video Lisa. âBe true to you.â
đPlease don't avoid making videos because you accidentally did something that you're not proud of we can all relate to that. This whole year has been an embarrassment for my budget as well and knowing that I'm not the only one out there is truly helpful so keep making videos.đ€
Exactly! We have ALL been there with overspending and under saving. Please donât beat yourself up over being human. đ
Getting a cleaning lady once every two weeks has made me so happy. It is an act of self care. We can all of course do the cleaning ourselves but taking that off the list of things to get done has been a huge relief.
I agree!
Cleaning ladies donât get sidetracked coming into your home we at our own home tend to get sidetracked with other things the mail, checking the laundry taking the dog out etc and before you know it you wasted a boat load of time and your not done. They go through and deep clean and itâs done and you feel better.
*** đnow I need to know how much your water bill is ****lol you will have to update us!!!!
Hoping less then $50
Self Care... YYYAASSS!! đđŸđđŸđđŸ
Youâre doing better than a lot of us! Weâre human and make mistakes, many donât learn. Donât beat yourself up. Youâve motivated me to be accountable for my mistakes, to learn and keep going to do better⊠Thank you! Housekeeping is a form of selfcare, we canât do it all, so MY opinion is to take advantage of help when you can and need it. TFS and enjoy your day đ
Iâm proud of you for keeping going, despite the setback. Thank you for being open about it, too. Itâll help so many people to know theyâre not alone in it. Youâre awesome đ
Thank you, Dorothy. đđ
This video helped me get back on track after weeks that turned into months of overspending. Thank you for being realistic because it inspired and reminded me that this happens to everyone! Planning for my second December Paycheck and excited to get back on track!!!
I REALLY needed to hear this today⊠as Iâm drowning in negative bank accts and bills coming at me faster than I can handle. Thank you for your honesty
Give yourself grace Lisa. I've been here since the basement apartment days and have stayed because of your honesty and how genuine you are. đ
I've been following you for a very long time and I just love that your budget is always simple, straight to the point and REAL. We are all human and spending struggles are real in most of us. Thank you so much for your transparency. You are truly a gift. đ
Lisa we all like to spend. I just went to bath and body works candle day and spent over $100. But this is a treat for me and a tradition for me and my daughter to do every year. Don't beat yourself up about over spending. I have a hard time over spending at the grocery store. Thanks for giving us inspiration Lisa!
Donât be embarrassed. I struggle with a spending problem. I appreciate your honesty. You also donât need to explain your choices like cleaning ladies or anything else for that matter. I used to mow my lawn. Believe me that as soon as I could afford to hire someone I did. It was exhausting. It freed up time, energy and it was so wonderful to come home to a mowed lawn. Iâve also learned Iâm more likely to blow my budget later when Iâve restrict myself too much.
Honestly, I watch budgeting videos because itâs comforting and I like seeing things so beautifully organized
Glad to hear Iâm not only one who has spending problem. Mine is charging on a credit card after I get it low. It helps me to hear others make mistakes too. Thanks for sharing. I loved when you said to be kind to yourself. I need to hear that.
Finally, someone that does budgeting on CZcams, is keeping it real! Thank you
I canât speak for the others but your humanity is what I enjoy about your videos.
That and your voice. I could listen to you read the terms of service to CZcams.
I have often fell victim to wild spending. Welcome to my world. Lol.
đ thank you! I appreciate your support.
You are not flawed, Lisa Marie...you are human. It's admirable that you self-correct as needed...that's what adults do. I ALWAYS learn from your transparency. Thank you so much!
Glad you are back. Everyone goes through this stuff. So proud of you for being honest with this community. And sharing your life with us. We are here for you. Just like you are here for us. We all drop the ball. Not everyone gets back up and tries again. I'm glad you did!! Thank you for sharing and being honest. Love your videos.
This video was what I needed to hear and see. I have also felt such guilt and embarrassment about my spending and after nearly a YEAR am starting to get organized on how to tackle it. Being okay with being honest about what might be embarrassing is EVERYTHING. Thank you so so much for sharing this video!!
So glad you're back! Have missed you! Everyone has set backs. Recognizing, reorganizing, and moving forward is the best way to get through! Back in your basement days you taught me to keep my budget simple and to tailor it to my needs-thank you for that! We will be here for you and look forward to the videos to come!
If you only knew how awesome this video is! FINALLY someone who screws up with money just like me! Thank you! This was just what I needed to watch today.
Learn from this experience, give yourself grace, and move forward. I don't watch your videos because I'm looking for perfection. We're here because we're all in the same boat. You got this!!! đ
We all are flawed. If I hadn't been spending I could have paid off my car by now. You are not alone.
You don't have to be embarrassed when you're among friends. I do the same thing. The important thing is to just start again. I don't watch your videos to see perfect budgeting and saving. I just love watching your channel!! On a side note - I work at a water department and we have an adjustment policy in place for these kinds of things. Check with your water provider and see if they have one. You don't know if you don't ask. Have a great day Lisa.
Yep Christmas spending Gets Me Everytime you switch into gift buying mode and end up buying yourself many gifts along the way so easy to blow your budget.
Lisa I am so happy to see this video!! Glad you are doing videos again. I had to use all of my sinking/ savings yesterday due to A very unexpected bill that wiped me out financially. It emotionally hurt so bad. So I am watching you now and making a plan myself to get back on track. Hugs!! You have done it before you can do it again!!! I'll be right here with you
I love your videos, I donât watch them because I think youâre perfect, I watch them because youâre real. Watching you navigate your set back will help a lot of us navigate our own. Thank you!!
Life happens, oftentimes when everything seems to be going so well, but allowing yourself grace is what makes the journey a more realistic and rewarding one. Weâll get there one day! Iâm not giving up no matter how many times I have to âstart overâ or âresetâ!
Winners are the ones who, when they trip and fall, pick themselves up and start over. You are a winner!
Proud of you đđŸ Transparency is so liberating! More of us can relate than you think
I am 100percent with you on the cleaning ladies. It saves time and energy so can enjoy your home more.
I love your videos. I love that you budget simply in a plain notebook and I love that you are real and honest. I've been having the same problem with spending so I'm hoping to get on track right along with you. I'm looking forward to following your progress.
No worries Lisa, it doesnât matter how many times we fall , the important thing is that we get up and start over again . Donât give up đ
Thank you so much for sharing â€ïž
I too, went a little crazy and overspent more than what I had budgeted for. Feeling a bit ashamed and overwhelmed but I got this. We got this! I'm back at the drawing board.
You're brave and relatable! Everyone should know how to bounce back from a setback and this video is a good learning tool. Thanks for posting, Lisa!
All good Lisa and you got this đđœđđœđđœ cheering for you and have full faith that you will be back on track in no time.
I have been buying gifts throughout the year for about 10yrs now. It has made such a difference in my life. It's so nice to have the gifts weeks before a birthday or holiday. I LOVE IT. The only advice I would give you is, have a designated place where you will always keep the gifts or you might end up misplacing them, as I have done a time or two. Hugs from Florida, Carolena
That is a good idea. Iâd probably lose them. I probably need to label who they are for too. I might forget.
Oh hon, donât be embarrassed. Youâre human. I respect you more for your honesty. Thank you for sharing! â€
Iâm glad youâre sharing this. Iâm in the same boat and it is hard, but I really appreciate your honesty with where you are because I know now that I am not the only one. Thank you again! And I love the yearly budget video.
You are not alone. I feel the same way when I go off the rail. Thanks for be so transparent!
You popped up on my thread randomly and I am so glad you did. Thank you for being honest, because you are not alone. đ
I have been putting off posting a debt update video because I too have gone off the rails! You inspired me to go home, post a video and be transparent with those few that are following me. Thanks for posting this video and being transparent! You got this!
Youâll feel better when you do!!!!
Good morning, Lisa Marie. I'm also hitting the reset button on my budget/ spending. We really got off track this past summer with visiting family. I can't live with that type of monetary stress again. As I watched you, I broke down our bi-weekly check as to what needs to come out (no amounts yet). I also realized a couple of days ago that as a sole proprietor of a business, I don't get a Christmas bonus unless I allocate for that (seeing my husband's Christmas bonus was a punch to my own train.)
I have to set myself up more as a business this year and stop saying I'm going to. Here's to a great 2023!
Thank you for being transparent. Give yourself some grace, you are human. If hiring a cleaning lady makes your life easier, go for it!! Do whatâs best for you.
I honestly love how honest you are because I too have a spending problem! I love seeing peoples budgets that are similar to mine who are also starting from the beginning. Thank you!
Do what works for you. Sometimes when we restrict ourselves too much , we end up going off the deep end. Iâm that way with food. Besides you will be making money on your videos so consider home cleaning an expense to earn more income.
I would much rather watch a video like this where you are being real- then someone who hides and fakes it. We all go through things like this : ) You got this!
I appreciate your honesty, and agree with other comments - it's refreshing to see 'real' struggles on YT vs perfection. My area of struggle is over-spending in the grocery stores - it's an addiction apparently, because I keep doing it when we're fully stocked in freezer/pantry. My NY resolution is to turn that around drastically.
Hi! Iâm a long time follower, I just wanted to say Iâm so proud of you for acknowledging your spending. Just know youâre not alone! Itâs that time of year, it happenssss. Iâm also going through the same thing esp the embarrassment l. But all we can do is stop it, learn from it, maybe up Christmas sinking fund for next year and move on. Donât let it bother you or consume you, just move forward! Also, Iâm so glad you actually decided to up your spending. You 100% deserve it and you should be able to do things you love. You donât need to live in survival mode 24/7. I think it was a very good idea to start enjoying your money a little bit. â€
This is the first video Iâve seen from you and this was so refreshing to hear a real story. I almost got emotional because I have totally lost control of my budget and to hear you be so transparent⊠thank you. New subscriber! Letâs get back on track togetherâ€
True life. It catches up with all of us. Also love that youâre back in the dotted notebook. Simplicity is refreshing. Thatâs what attracted me to your videos.
I prefer the plain notebook!
I love that you are so open and it is so helpful to see someone who is not doing it "perfect". I needed this encouragement! Also, I use cleaning help too and have been feeling guilty about that. You are so refreshing!
I mess up all the time!
Does your job provide anything like mental health care or an employee assistance program? A counselor might be able to help you work through your spending problem a bit more.
If a paycheck-to-paycheck and yearly budget work better for you, you do you!
Edit: Also, we pay for folks to come in and deep clean our kitchen and bathroom about 2-3x per year. We're able to do it, but we work 40+ hours a week at jobs that are often stressful, on top of doing our day-to-day cleaning, pet care, budgeting, etc. So we feel like that $150 per cleaning is money well spent. Everybody's budget reflects their own values; some people spend money on things I don't care much about, but I don't judge them, because their life is not mine. đ€·ââ
I'm new here but I stumbled on to this channel and I am sticking around and definitely want to check out your back catalogue. Thanks for showing your humanity.
Thank you for admitting your faults! I am 43 and I have started budgeting last year. I'm still in progress to stick with what I budget for some of my categories.
Thank you for being real and honest. Though many ppl would not be as transparent I can appreciate your honesty. We all go off the rails sometimes.
Good Morning! Glad your back and thanks for being so honest. Real people make mistakes. You were the first CZcams video I saw during Covid and you are the person who got me started on my journey. I am happy to say it is working for me. Iâm even doing pretty good on my Christmas budget. Thank you Lisa for what you do.
Thank you for the motivation. I needed to hear Iâm not alone in my setback, not only was I off the budgeting bus I was also adding to my debt.. đąđąđą but Iâm getting back up at itâŠ
Thank you, for your honesty. Christmas gets me too. Although I pick up things throughout the year some how holidays happen and like you I have a spending problem. it is refreshing to see how you are in the red and how you are hoping the water bill will be lower. I understand where you are comin on the cleaning lady and lawn care. My son does mine for me but like you I would have to hire someone if he did not do it for me. I haven't got to the cleaning lady yet but that would be nice for when I am debt free. Please do not put yourself down, life happens and we learn from our mistakes. Thank you again for your honesty.
Itâs so helpful to see budget videos like yours that are REAL! Give yourself some grace. You have accomplished SO much and will continue to do so! Would love to see some of your old videos while you were working through your debt.
Iâm with you Lisa! Acknowledgement us the first part of recovery. Iâm married so itâs difficult, at times, to be on the same page. Youâre the best!! Keep going! Iâm praying youâll know the âwhyâ for overspending. I think my âwhyâ for overspending is bc I shop without a list. Hugs!!!
Regarding spending on cleaning and lawn services - if you have discretionary income, no debt, then it's a matter of what brings most value to you, and also helps you maximize what personal time you have. It sounds like you're likely going to spend those 'saved' hours on side hustles, so good on you!
I appreciate your honesty. I've been embarrassed for the lack financial literacy and being in debt at 50. I've finally moved past the embarrassment and fear because kept visualizing the future me.
You can hit the restart button right now and make a commitment to start paying down your debt! You can do this!!! đ
Thank you for your honesty. I was irresponsible this year too. It all started with one Black Friday purchase. I didnât have a plan and Iâm pretty horrified at what I did too. Youâre not alone. â€ïž
Thank you for being honest. I am in the same boat. I had to use most of my sinking funds to pay for Christmas. I had to start over too.
We are all flawed in some way or another. You are an amazing person! Your very inspiring and I love watching your videos!!
Oh Lisa, Your ability to be so honest, Vulnerable and keep yourself Accountable on the Internet Blows my mind!!!!
Thank you for this†Yes, you are human!!!!!
Please give yourself some Grace. This is a hard journey and youâve made ALOT of positive steps Along the way!!!
Great planning moving forward!
Iâm looking forward towatching you get back on track and make Another years worth of progress!!!!â€â€â€đđ
Merry Christmas, Lisa! Thank you for making this video. I've been saving for a new apartment and may have an unexpected school bill due to issues with my financial aid. If I end up having to pay it out of pocket, I will have next to no savings. This video came at the perfect time as I will be having to start over as well.
I'm excited to see your video of your yearly budget! Also, we've all been there and are trying to better our own spending habits. Nobodys perfect. Be sure to give yourself grace! đ
You sounded a bit like someone in diet who has eaten a chocolate bar in at once at the beginning of your video !đ Joking appart : bravo for your budget! It is definitely the good way to avoid overspending !đđ If I just may suggest in your budget the following : You are too generous in gifts for your family and your food budget seems a bit high. You also forgot a category for yourself âmiscellaneous itemsâ that would allow you to have something to spend for you (without feeling guilty and staying reasonable). I really understand the cleaning lady because it totally makes sense. Iâm not so sure about that lawn fee. It seems very expensive (but you must have a huge garden). A little goat could be a good investment...and it produces milk! đđ
I'm glad you started making videos again. And no worries about the lawn care and cleaning ladies. We are paying off debt but have the same services because it's jus too much otherwise. No need to explain!
Always rooting you on. Straight forward , mindful frugality got you DEBT FREE. And Iâll be cheering you on for your home/land. Bring it on 2023 you got this đȘđŒđĄ
Thank you for sharing and for being real.
I think paying for the cleaning services is a good trade off for having more time to do the things you love⊠and you certainly donât have to justify that to us, but thanks for doing so anyway.
So proud of you! I think you may be pleasantly surprised how having a clean environment around you will help mentally, etc. You see it's clean, you know it's clean, and it's one less thing to have hanging over your head. I think it's a good investment in yourself. Were you able to get your burst pipe taken care of? Yikes! Thanks for the video.
Yes! My ex had it fixed the same day! Whew!
Thank you so much for sharing! I too have a spending problem so trust me I get it! At least you donât have any debt! That is phenomenal! Iâll be on my journey to get debt free in 2023! Youâve got a new sub!
I glad to see you return; I've missed you. We all have our moments with over-spending. Forgive yourself and continue to walk forward.
I just did the same exact thing. I was doing so good and the past month and a half spent everything I had. I've been so stressed and depressed since. I need to forgive myself as you said you did. Thinking of you and hope we all can refocus!!
Every one falls off the wagon. The most important thing is that you are ready to regroup! Budgeting is hard for me especially at this time of year.
Best wishes!! I can totally relate.
Thank you for being honest. †It makes me feel better because Iâve noticed that I have this problem too.
Everyone has those setbacks. Christmas purchases out of hand for me. Back to basics again.
Thank you for your transparency. You've always been so "real" and I appreciate that.
I needed to hear this video. We were doing really well the beginning of the year and then had major health issues pop up. Hopefully we are on the path to recovery. But we have to get back on track to paying off debt.
Good for you for coming clean to yourself and starting fresh! Acknowledging what didn't work for you and making the change! We also had a water leak this fall. And it took a big chunk of money. Our normal water bill is $120/month and it was over $1100! đł Pick up and move on!
Yikes!!!!!
Love your honesty! I have a spending problem too. đą we got this though!!!!
Financial freedom is a journey. Give yourself some grace and push forward. The reason I follow your channel is I need some inspiration at times to reign myself back in.
Girl, same! This year got away from me, I usually start gift planning in August and I ended up just overspending in November and getting a little too close to the sun with my debt extra payments. I cannot trust myself to go to the stores, SO I HAVE TO STOP
I LOVE your honesty. I feel like many budgeters don't fully disclose when they overspend. They may share they did but they don't share how they felt about it and what they did to solve the issue like you did.
I went off the rails too!! Thank you so much for this video!!
Hey Lisa! I'm so glad you're back! I remember watching your videos from your basement apartment in Virgina a few years ago. Please don't apologize for keeping it real. This is real life, and 2022 has been a rough year for overspending. I don't know if you're interested but two of the biggest things that have helped me recover from my overspending were Hannah Louise Poston's No Buy Year Playlist, and r/nobuy. I love your videos & can't wait to cheer you again! :)
Are those CZcams channels?
Not overspending here however your post has caused me to reevaluate my budget for 2023! Thank you. I actually put a line in my budget for "oops" in case I do overspend
No need to explain about the cleaning ladies! So happy that you are doing it for you.
We all stumble, multiple times! And it is hard, but you are setting a great example ands we should forgive ourselves when we mess up.
Glad you are back đ
Iâve overspent this month too, and the last. Holiday stress gets me⊠hereâs to not giving up and moving forward. â€
I completely agree on the paycheck budgeting versus monthlyâŠit has me confused too.
Appreciate the transparencyâŠit helps to see real versus made up numbers.
great video
I applaud your transparency. Iâm a spender and need to start over also.đđŸâđŸ
Hi Lisađ€! First of all, there is no need to apologize because it happens...life be lifin' lol. Second, cute nails đ đ. My little ears perked up when you talked about your Netflix account. I'm going to try for 2023 to pay the full year to free me up while putting money off to the side for my 2024. I hope this helps a little. You've got thisđ€!
Glad you are back. Don't be too hard on yourself. Please give yourself some spending money apart from the cleaners. You ate debt free you are allowed and I always think you have been too hard on yourself with spending money xxx
Heck I hate to say but I over spent too. I totally blew my Christmas budget. It's so easy to do when you want to make the holidays magical for others. It will be ok, and you will get back on track. Don't be embarrassed you are just like the rest of us, and it's ok