Budget Breakdown for $15 an hour Paycheck(May 15th check)
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- čas přidán 14. 06. 2024
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I’ve been watching your videos for a few months now and I really appreciate how real you are. Your videos are my favorite out of all the cash stuffing videos that I watch. I don’t want to watch some rich person with flawless fingernails flashing her money around. I appreciate how down to earth and real you are. ❤ Best of luck to you.
Thank you Kitty❤️for watching and supporting my channel.
@5hellokitty, I totally agree
I specifically look for lower income budgeters because I like to see how people prioritize. I'll probably never make a lot, so I have to make harder choices than most of these high income budgeters.
Thank you for sticking with CZcams. 💜
Thank you boss house. I feel you. My income is never going to be in a certain bracket unless I move on from custodian work. It’s a lower paying job. I like what I do so my income will always be at a certain threshold.
Im still at the beginning of the video, and I HAD to subscribe once I saw $15/hour. Now, that is more realistic to my surrounding area. I enjoy watching other videos, but i want to know how to budget on a "low budget"
Emily, ignore the bored, opinionated, negative people. Easier said than done, I know! Set those boundaries and stay on your path. Your journey has been a bright one and I continue to wish you much success! 💰❤️🎉
Thank you Ceci. I’m doing my best to ignore them.
Hi. YT just recommended your channel to me. Now, I’m retired and living on a low income BUT I was a single mom for 18 years and I know the struggle. You’re doing so well. I also drive a car with over 220k miles on it. Crossing my fingers that both of our cars hang on for a while.
Thank you so much Grandma. May your retirement be delightful. Definitely crossing my fingers that both our cars hang on. It’s definitely not the economy to buy a car in.
I’m on social security disability and I am not on any assistance.. my rent is $800 now and going up 9/1 just don’t know how much yet…. I finally save my 1k emergency fund but honestly it took me a year and a half to save it.. I have credit card debt too and I have paid two small cards off already and snowballing as we speak…. I don’t cash stuff I just keep a buffer in my checking acct.. and I just add something monthly to my emergency fund and I do this by doing a challenge….. I have my ef in a high yield acct but I do checking at a local credit union.. .. I write everything down I spend in a 3 - ring binder using budget sheets ..
First time stopping by your channel. It is encouraging to see a single- low income household budgeting in the real world. I am 65, single divorced female living on Social Security and Disability. This budget is much closer to my own living situation. Thank you for sharing so much of your life,( and I agree, no need to share everything and no need to explain). I look forward to future videos. P.S. love the neck fan, so cool! No pun intended. 😂
Hey Emily, I definitely understand how the people can be. That's why i stopped posting on my channel...people are cruel 😢 I know my life and budget aren't perfect and I didn't need to hear it everytime I posted a video. I enjoy watching your channel, so thanks for sharing ❤ Ughh i started having hot flashes this year at 46 yrs old and I don't like them lol
I was wondering why you stop posting. Don’t give up though. Keep posting. That’s what they want us to do. They don’t have the nerve to post so they want to talk crap behind the computer. I see that people will talk crap all day long behind this internet but would never have the guts to stay stuff like they do in real life. I’m doing this for accountability and as a hobby. So if all my subbies went away I would still be doing it. I appreciate the support but I do realize everybody not going to agree with every move I make. I do hope you start posting again. Do it for yourself. Yes! These hot flashes aren’t no joke. Matter of fact I’ve had them in the middle of the day and I feel bad when I have them sometimes. I had them in the middle of the day at Walmart on Friday. I had to basically go in the bathroom and stop myself. It only lasted a few mins but I was uncomfortable.
PLEASE continue to post. I'm subscribing to you now. I need a more realistic page to follow. Meaning, a "real low income." I enjoy the other videos, but I would like something more realistic to my lifestyle. There's no way with $12/hrs with a child is gonna give me all the benefits as MOST of these YTers. Plus, rent is going up to over $1000/month. I need more realistic.
I’ve been watching your channel since last year and I truly enjoy it. I make 17.50/ hr and it gets hard. The fact that you have trolls in here when you’re sharing personal finance is ridiculous but f them. I enjoy your hauls and the gifts ppl get you and Ashton. It’s fun to watch and the amount of support you have as a single mom is wonderful. Maybe they’re jealous because they don’t have anyone buying their wishlist🤷🏽♀️. I can definitely appreciate those boundaries and thank you for always sharing and being transparent with your finance.
Thank you Coffee for watching and supporting my channel. Yes! The trolls have no life. Yes! It is hard out here in this economy. If people aren’t budgeting I don’t know how they are going to make it. It’s essential.
Hey Emily,I'm so glad your channel is growing I've been rocking with you for a minute and will continue to support you! Baby,as long as your're doing well the trolls will come and there's nothing you can do about it. Keep doing you,your real supporters will be there!
Thank you LaShay for watching me and always supporting me. You definitely have to have on your big girl panties on these platforms.
Hello! When I first came across your last video I said finally someone with a budget like mined & I subscribe then. I work as a cna & I make just a little more then you 16.40 which is still not enough personally, I just started a part time job to give myself a little wiggle room.
I love you budgeting videos but I love them all in general! Our rent went up $70 this year with our lease renewal :/ we live in a 3 bedroom "manufactured home" its a trailer lol but my cousin insists on the fancy name. I'm surviving on a small fixed income of less then $1,200 a month and it's me and my dad who gets disability. I know the struggles! Our car is a kia that needs the breaks fixed and is missing two of it's door handles haha! I'm working on getting it fixed.
Thank you! I love manufactured homes. I am considering buying one in the next year and a half. If you know someone that can do the breaks for you like a mobile mechanic you can get them done cheaper by buying your breaks from advanced auto or o rally’s. He him just charge you labor. Also my door handle broke off and I ordered a replacement from Amazon. I had my mobile mechanic put it on for me and still going strong after a year of being on.
@@DiaryofaSingleMom-ov7xf yeah we're getting the parts we're going to purchase the parts and then my dad and brother and brother-in-law will be doing the work so it saves US money in the long run we've had to pay to have it done a couple times because of our disabilities sometimes it just doesn't work out for us to do it ourselves but the plan is we're going to do it whenever my sister comes down to visit so it's going to be a big money saver.
I been watching you for months now. I love your budget videos. I am literally your twin in life’s we have very similar life stories, mom of 2. Single household and on government assistance. Pay no one attention that is negative, life is hard. I have worked since I was 16, stopped but started right back up a few days before my 18th birthday. We do everything we can to make a life for ourselves and our children: you are doing excellent. No need to explain things the way you are. You explain only what u want. I will continue to watch. I don’t want to listen to u explain yourself to people who don’t know u. I appreciate what u share. I watch what I enjoy on your channel. In a year you will be in a whole different spot, Partly from the negative Nancie’s so keep doing you boo! Block if you need too!
Thank you Jess🙂Nice to see a nice positive comment❤️ Yes! I won’t explain much to people that’s only judging me and truly don’t watch my videos throughly. Yes! I will block if I need too. Stay up Jess
Love your channel. There are a lot of us that can relate to you. You are doing an awesome job!
Thank you KC❤️
Emily I'm so happy that your channel is growing!!! ✨
Thank you Cindy and thank you for always supporting me❤️
I’m on social security and a small pension and it works out to be about $15-16 per hour depending on the month. Worse in longer months! I’m so glad to see someone budgeting in my income range. For sure nervous about the future.
I am so glad ashton loved the jammies. You girls are very welcome and i love your videos.i watch your hauls to,lol. l love dollar tree. Have a blessed week.
Thank you Sharon. She is currently wearing them🤣I told her I see what her favorite birthday gifts was. The pj’s and that perfume Ashleigh sent her. I have a dollar Tree haul coming this week so stay tuned. They have some new items. I’m excited to share.
I love your videos Emily! I love budgeting in general (and math) and I like seeing how different folks from higher to lower income prioritize their finances. You’re doing a great job. Don’t listen to the negativity!
Great video! Glad to see you back I have missed your videos. ❤ to see happy mail videos
I understand what you mean. People can be so cruel. Love the happy mail!❤
Yes they can Lashonda. I’m staying around and it’s nothing they can do about it.
@@DiaryofaSingleMom-ov7xf Yes!! We don't play with bullies!
If I may express my own thoughts and feelings- If the people that continue to worry about what others think- as the creator of your You tube channel and waste 15 minutes or more of the channel about what others are saying- That time is being taken away from the adults that are here for the real purpose of learning. We cant control what others think and or say. I refuse to waste negative energy- on Trolls that have nothing better to do that cut someone like Emily that is truly making a difference for herself and her daughter. Everyone has a story to tell- and others might not like. If we can stay focused on what the channel is intended for and not take time away from the topic that is to be present to faithful viewers.- that would be great- otherwise- I have learned to move on. Thank you- Emily for your great work.
I enjoy your content very much. I am too thin-skinned for all the criticism on YT. I am sorry the Trolls are after you, but I hope your new format will help hide the good stuff from the Haters.
Newbie to your channel and love your vibe. It’s refreshing to see realistic, low income budgets. You are so real and genuine. I’ll be subscribing and following your progress 🖤
Thank you Kori. Welcome to the family
Hey Emily for your renter's insurance look into paying a yearly amount instead of monthly. It's cheaper. Mine was $160 this yr..$20 a month gets you to $240 see if the annual would be cheaper than that. Or maybe just get a different renter's ins outside of Geico.
I'm proud of you for hanging on to your vehicle as long as possible. And congratulations for the pay raise 🎉😊
By the way, I went to Family Dollar last week and found the Nizoral you use there for $10.00 a box, I believe that is cheaper than Amazon. 😊
Love the realness of your videos ❤ Keep it up ❤ you're a good mama ❤
Thank you so much❤️
Great Work on your CCs -- I used the same method "snowballing" and it works!! Usually if you are having your check auto deposited into your checking account the bank will waive the monthly fee -- with all the changes that are happening in the banking sector, you might ask your bank about it not charging the fee ... even if you have asked them before. I found your video inspiring -- Thank you for sharing.
I'm going to miss the happy mail videos. The boundaries are a must. People are going to have opinions, only take the positive and leave trolls alone and block. I don't like them either.
I forgot I also drive an older car too 2012 Nissan altima over 224,000 miles on in & I'm also working on my credit too to go get another car
Great video ❤ glade to see a video up. I know what it's like to try to find time when you work so many hours. I work 50-60 hours and I trying to get my other youtube channel up and going. And I don't have kids on top I f it. Your my hero.
Thank you! Pynnnas. It’s hard sometimes. I have a bunch of ideas for this channel but I have to find the time for it. I try to include rest. If I don’t get any I’m cranky 😂. Let me know when you get your channel up and going I definitely want to check out your content and support your channel. Thank you so much
It's called @PynnFoolBudgeter
The pynn fool budgter. I've only been doing it for about a month, so fare. I'ml learning a lot.
Awesome video Emily. Everyone is struggling in this economy whether they admit it or not. I drive a 2007 Pontiac Vibe and it has a lot of miles on it (227,??? ). I need two new tires and how about the a/c has gone out in the car. Any errands that I have to run, I do it early in the morning. I’m going to find someone that can do a free a/c check for me next week. I definitely agree with you about having boundaries especially on CZcams. Take care 🙂
your rent is good, you guys are blessed.
Just some information there are people who are professional trolls it is what they do I don’t underestimate the psychology of it but just block them and never mention them they like the attention 🙏🏾
I big pat on the back. No credit card spending 🎉🎉
Hi Emily. 💚💐. I’ve been watching your videos for a long time. I enjoy them very much. I hope you do get monetized through CZcams. I have my own channel too and I realize I am not everyone’s “cup of tea” either. I totally ignore and block the negativity out. I focus on the positivity and I really do not talk about my personal life much. I do talk about cash stuffing and budgeting. I’m not rich either. Like many individuals I’ve been working my whole life, full time. It’s not easy but budgeting helps me reach specific financial goals. I totally understand what you’re saying. This is a hobby so enjoy the positive vibes only. 💛✅💯
Thanks Mona. I never realized you had a channel. Oooh I’m coming over to support and subscribe right now. I coming to watch now.
@@DiaryofaSingleMom-ov7xf Thank you Emily. 💐💚. I may or may not be your cup of tea but I sure hope we can be CZcams friends anyway. 💚💐✝️🙏
Great video. Keep posting the budgeting ones. It helps be a lot with my budget challenges.
We have been in this house 5 yrs. Its gone up the last 4! 😢 i expect it to keep going up each yr.
Love the video 😊
Thank you Kisha ❤️
Yes, I think you are right. Set some boundaries, then ignore the trolls!
Thank you Twelvepawsmom. Definitely have to set boundaries. I will ignore the trolls. Thank you for the gifts as well. I received the eucalyptus bush but not the shower caddy yet. Says there is not any tracking available for it. I will keep you updated on the package.
Oh brother! Says arriving 7/22 - 7/26!😮
@@twelvepawsmom7682 it’s ok. I’m glad you were able to track it on your end.
Great job not using your credit cards for 6 months. I enjoyed your budget video. Have a lovely day!
Hey Emily like you said people will judge no matter what. Don't ever let it get you down. Love your videos ❤️❤️❤️
Thank you Cynthia ❤️
Great video Emily! Again, you keep it real with all transparency! I so appreciate that! You’re making such smart decisions. As a single mom I think it’s so smart to have car rental and a few extras on your car insurance! Keep up the good work
Thank you Emil❤️
Girllll F them TROLLS! I like happy mail. You accept and receive all your blessings!!
Catching up ❤
Just found your channel on my down line and Im a single mom of 3 and my sons name is Ashton and I just looove the name. ❤️❤️
Thank you Ashley. Ashton is a good name. Her daddy named her.
Lovely video again Emily hope you and your daughter doing ok I have one of those neck fans aswell one of my workmates bought it for me as a gift I sweat a lot at work aswell as a cleaner so I know how u feel and they really do help cool you down 🙂xx and I think you ll be better using your 52 week challenge binder less bulky than your box looking forward to your next video Take care and see you soon xx
Another great video! 😊
I’m sure you’ve gotten this comment/advice before, but have you looked into FSA/HSA with your employer to pay for your daughters braces. It’s how I paid for mine years ago. It’s still your own money, just tax free.
I've been watching your videos for a long time and love them because they are soothing somehow and also help me stay motivated to keep working on my budget. I have a high income but things are tight after supporting a my adult child with special needs who has waited several years as an adult for services. So that 10 or 20 dollars can make or break the budget for us too. I always try to like all your videos to help promote them
Also go to the library and see if they have that book called The Complete tightwad Gazette by Amy Dacyczyn (pronounced decision). Excellent book on frugality.
Thank you. I will check it out. I love a good book
Girrrrrlllllll you doing a good job! ♥️♥️♥️💪🏾💪🏾💪🏾
Geico provides excellent coverage. AAA also provides excellent coverage and is usually a portion of the cost. You could likely bundle in the renter’s insurance with the auto insurance.
Good Morning.
Good morning
Hi there, new subscriber. I’m enjoying your videos. I think you’re doing a great job budgeting. With everything that’s going up, it’s hard to afford anything. Credit card debt will kill you. Thank you for the motivation. God bless 🙏🏼❤️
Thank you Iheart. I been looking over my debt this pass weekend. I want this credit card debt gone asap. Baby steps though.
First time watching your video and really enjoyed it I subscribed I keep a budget looks good on paper I’m struggling to pay off my 3 credit cards also
Thank you Diane.
I worked for the state as well , another state, but if you got a raise, you didn’t see it until the next month. So if you got a raise in July, you wouldn’t see it till your August check.
Thank you. We got a raise in June so we won’t see it until July. I guess 50 cents is better than no cents. I’ll take what I can get.
@@DiaryofaSingleMom-ov7xf , oh, I see. 🙂
Your channel is truly inspiring Queen ❤ Great job on your budget breakdown 👍🤑💚
Heyy,how are you I'm a newbie watching from Memphis I Love budgeting and breaking my paycheck down
Hey Mona❤️I’m glad you like to budget. I love it as well.
Im confused by comp time. You're not making overtime for anything above 40hrs? Or you're making overtime and then on top of that you're getting comp time?
I have one put I have a safe I put it in water and fire proof
My lease is for 99 years , subsidised , very lucky .
I don’t talk about my kids dads on my channel or finances with kids, I don’t talk about my kids too much, I don’t talk about business or taxes. I also budget for personal bills (stuff I don’t wanna say what it’s for) I always feel like I’m explaining myself. Boundaries are good my friend people are @ssholes
I also got judged heavy for my happy mail. No one deserves the hate we get! I’m not asking for money and I only had a wish list for people who asked for it.
Exactly❤️Your situation is unique to you because your are an unique individual❤️ Some people for get that 🙄
I love this video 💜
Hey just found your channel ☺️
Do you, boo‼️ Don’t let the devil steal your joy 💚💕 fu#k them folks!!!
I was just wondering if you still have your Capital One 360 savings accounts? I recently opened up several accounts with them and was wondering if you still enjoy banking with them? I was scared to open up an account with them, but I love how I can name my different savings accounts and was hoping I made a good choice banking with them.
By the way, I love all of your videos. You are very inspirational to me. 😊
Yes! I do still have them and I love them. Thank you for watching and supporting my channel.
Hi, could you provide a link to the 52 Week Savings Challenge (the black binder)? Was it expensive?
How do you pay for gasoline
❤
Do you have a P.O. Box? I wanna send you happy mail
Thank you Amanda. I don’t but I can send you a secure address that I’m comfortable getting mail at. Dm me on Instagram kurlycue2011 on Instagram.
@@DiaryofaSingleMom-ov7xfok I will you 😊
Hi Emily! New subscriber. People can be so cruel. I will block out the haters. I am enjoying your content. Only share what you are comfortable with . I don’t share too much on my channel either. You are an inspiration to so many people. You are doing amazing . 🩵🩵🩵🩵 37:10
Thank you so much. You ste right about the haters
@@DiaryofaSingleMom-ov7xf you are most welcome 🙏 🩵