Budget with Me • Debt-free Journey using Savings Challenges
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- čas přidán 21. 08. 2024
- It is time for my monthly budget!! Join me as I budget my once-a-month paycheck, stuff cash and have fun using savings challenges to pay debt!!
#debtfreegoals #savingschallenges #budget2024
Savings Challenges:
July Binder @JanellRaeBudgets
9. @lizandless
10. @ChampagnesCorner
Red Savings Challenge Binder
ALL BUX @reinventingrene
Blue Glitter Binder
Find the Love*
Shut the Box @reinventingrene
2024 @TheALMOSTOrganizedOwl
The Life of a Pig (RETIRED)*
The Life of a Pig #2*
Pop It! *
Life's a Beach *
*= Use the link below for my Etsy store to find these products
Numbered Paper Clips: amzn.to/3VEyhZ2
(I may receive commission if you purchase from the Amazon links in this description)
Want to purchase something from my Etsy store? Please use this link to save me Etsy fees: snowgardener30...
Join my membership to get monthly freebies, exclusive videos and more!
/ @snowgardener307budgets
Our starting debt total in April 2020 was: $365,862.62
Our 1 year debt total in April 2021 was: $274,008.61
Our 2 year debt total in April 2022 was $206,365.15
Our 3 year debt update in April 2023 was $210,786.75
Our 4 year debt update in April 2023 was $201,986.79
NOTES:
* In 2023 and 2024, we incurred more debt and paid a large portion of that debt off, so our debt paid numbers are actually higher than what they appear.
* The above numbers include our mortgage.
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💌S N A I L M A I L:
SnowGardener307 aka Marlene
PO Box 281
Pinedale, WY 82941
EMAIL for Business Inquiries Only:
snowgardener307@gmail.com
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DISCLAIMER: I am NOT a financial advisor or expert. All views and opinions on this channel are my personal opinions. I am documenting my journey as it relates to my family’s financial and debt freedom progress and sharing how we manage our money. Prior to making any financial decisions for yourself/your family, CONSULT your financial advisor or planner.
Rocking out to the music while watching you sort your money 💃🏽💃🏽 great video. Love your budget breakdown 💙
Why is it so soothing to watch you sort cash? I dunno, but I love it!
Hahaha...thank you!!
Awesomeness 🙌🏽💚💚💚🥰
Thank you 🤗
Awesome job! I love how make paying bills/debt fun!
Making it fun really helps! 😁
I absolutely love the simplicity of how you break down. Your budget is very clear and easy to understand. I think with people are getting tripped up about is that you separate budget from your husband but is very simple since you pay him it’s very easily understood. 3:31
Thank you so much AarynLynn!!
Hey friend! Spend that self care money! You earned it and deserve it! Great video as always! ❤
Thank you so much 🤗
Hello Marlene! Here listening at work. Self care is important!!
So true! Thank you Ang!
Amen!! You spend that money on you! You do work hard and deserve it!!! ❤
Yes I do! Thank you!
Funny, you mention weight loss and saving money. I, too, am on a weight loss journey. I found a freebie from ginarenar RN budgets that has scales on it. I made each scale worth $5. I get to save $5 for each pound I lose. I figured by the time I reach my goal weight, I would have enough money to buy new clothes. 😊 Good luck with the weigh journey and your savings for your trip!
This is such a great idea! I love it! ❤️❤️❤️
Books… a passion of mine. For the Covid year of 2021 while isolating, I read or listened over 200 books. Nowadays I mostly listen due to cataracts. I live alone and I’m retired, so nothing interferes with my reading.
Currently I’m working through the older videos of your channel and really enjoying them.
Love me some good books! I listen to a ton of books on Audible because I can listen while getting other tasks done. Thank you so much for watching some older videos! Hahaha...whenever I happen to go back I cringe sometimes, but we all have to start somewhere!
Wow fantastic savings, and been able to put money into your emergency fund.
Thank you!!
😊❤ love the fact that your book has made its way to Norway 😮
Me too! I was so happy when I saw the shipping address for that order. Just amazing!!
Nice holiday and overtime pay.
Makes a big difference in the paycheck for sure!! Haha...this next check there won't be any extra pay due to vacation and sick. Sad, but that is a reality of life. This is why I don't ever depend on the extra money! 😁😁😁
Loved seeing all the things ❤❤❤
Thank you Sydney!
Hey friend, watching while working.
Thank you so much!!
Hi Marlene- I started my debt binder this week!!! Thanks for the inspiration.❤😇
Wonderful! I am so excited for you!!
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Your budget is awesome! I like Dave Ramsey, too. You're doing great with your Christmas savings! My mother's combined birthday and Christmas present to me is my phone subscription to Mint every year. Very generous! I love the music you use for your videos...very appropriate and uplifting!
That sounds like a great present!! I love it! Thank you so much!!
Hello Ms. Marlene! I get paid once a month also. Enjoyed your video 😊 TFS
Awesome! I love getting paid once a month! So much easier. Thank you!
😊 hey Marlene 👋 loved the video. Here to the end
You're the best!
Don’t ever feel guilty about doing self care. Us in LE need it!
Thank you so much!!
Another great video! ❤
Thank you 🤗
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Great video Marlene. :)
Thank you!
I haven’t bought clothes in awhile either. I’m working on losing weight as well. I literally have clothes with tags on them because I got them pre-pregnancy and can’t get in them 😢. But I’m determined to get back to a comfortable weight also and then treat myself
Exactly!! Yes! I gained quite a bit after a surgery and I have a ton of clothes I can't wear. Luckily I am down about 40lbs and can fit into more than I have been able to in quite some time!!
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Great video!💜💜💜
Thank you Adrienne!
I’m so far behind but will be catching up! ❤
I am so far behind that I will never catch up! hahaha! Life is just too busy and I can't sit and watch YT all day anymore...dang it! LOL
great video
Thanks!
great video 🎀
Thank you!!
Hey Marlene on row 5 it's missing a yellow dot from your previous finishing of STB, the number is 4 😊
Hahaha...of course I missed coloring in a number. LOL
Nice video! 😊
Thanks! 😊
excellent savings - good job
Thanks! 😍😍😍😍
I assume you are wanting to do the Great Barrier Reef here in Australia? I highly recommend Ningaloo Reef between Coral Bay and Exmouth in Western Australia. Great Barrier is beautiful but I love that you can just walk off the beach and do some amazing snorkeling on the Ningaloo. World famous for swimming with the whale sharks too 😊
Yes we are definitely wanting to scuba dive the GBR. We don't do much snorkeling after experiencing scuba, but I will definitely keep this in mind when the time comes!!
@@SnowGardener307Budgets lots of scuba also. Give it a google 😉
Hello Marlene😀
Hi Dee!!
Hello Marlene😊
Hello 😊
Bounce bounce bounce plonk. TellWilma says high (she also says she needs her own emoji and one of her and Fred Jr together. Diva that she is!). All those E bucks!!!!
Hahaha...that would be so much fun!! Such a Diva!! So many E bucks!!
Hello 👋
Hello 👋
Wow I am the first one! Love your videos :)
Yay! Thank you!
I'm working on saving up for a trip to Monterey Bay Aquarium and I think I'm going to need your Life's a Beach book to help. 😂
Oh that would be such a great book for that!! Sounds like a fun trip!!
@@SnowGardener307Budgets I've lived in California my whole life. It is a little ridiculous I've never gone. 😆
The aquarium is the best. We became members in 2019 then Covid hit and we didn’t go again. I hope you go and have a great time ❤❤❤
@@cmpprinceI’ve lived in the bay for most of my life and have never been to Alcatraz so maybe soon.
@@sydneysmith1921 I went as a kid, on a school field trip. It was cool.
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Would you ever bring back the original Georgette book??
Hello Steph. No the original Georgette book is retired. Did you happen to enter your info into postable?
@@SnowGardener307Budgets I did. Thank you
Hii
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Where did you get ur stickers that were on the red binder? I need some stickers for my savings binders..
Both of those stickers were given to me by other people. The one sticker is from Liz and Less.
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Hey hey!!
You must have a good pension as a Sheriff?
Pension depends on years worked once you retire.
Hope you don't mind me asking what do u do with money left in your wallet
Nope don't mind at all. It depends on the month and our goals. Here is the most common thing we do with our money:
Food - Extra debt Payment or our top goal for the month
Car - Moves to Car Sinking Fund
Me - I generally rollover my spending money, but honestly I usually don't have anything left. 🤣🤣
Home - Moves to Home Sinking Fund
Fun/Misc - Moves to a fun category such as celebrations or vacation
Hope this helps!
@@SnowGardener307Budgets thanks for replying
@@Caro-fr3ks of course!!
Great video
Thank you Marsha!!
Great video!
Thank you!!
Rocking out to the music while watching you sort your money 💃🏽💃🏽 great video. Love your budget breakdown 💙
Yay! Thank you!
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Great video
Thank you!!