How I Do My Zero-Based Budget
Vložit
- čas přidán 18. 03. 2023
- Hello my friends,
I really didn't expect so many of you to be interested in my zero-based budget process. But the response was overwhelming, so today I show you what I do.
Keep in mind that this is what works for me. It may be very different than what works for you. I love spreadsheets and detailed plans. If that's not your style.....just skip to the next video.
As I mention in the video, I actually took the Dave Ramsey training to become a financial coach. I learned so much about the phycology around why we, as humans, do and think like we do. It was fascinating and I've used those learnings both personally and professionally ever since.
Also, DISCLAIMER: I'm not providing financial advice in this video. Just my opinion and the strategy that has worked for me. OK? Good....let's go!
As always my friends, be kind, be brave, I love you and I'll see you next time.
Adelina
Budget Tools:
www.ramseysolutions.com/budge...
wallethacks.com/zero-based-bu...
Please subscribe and as always, by watching my videos and subscribing you are already supporting me. Want another way to support the channel? Find me on Patreon: www.patreon.com/user?u=9432513
You can also find me on Instagram: @myBIGtinyhouselife.
My tiny house builder: Teacup Tiny Homes in Lethbridge, Alberta, Canada
I used to wake up in the middle of the night worrying about money, and the lack of it when I was younger and married to my first husband. I totally understand why you discovered Dave Ramsey. That has influenced my life for the past 7 1/2 years since I divorced that husband. I have done Dave- ish but I am definitely better off now taking care of my own finances. I am so glad you did this video.
'Dave-ish'! I love that!
I am so happy for you and proud of you!!!!
Zero based budgeting saved my wife and I's finances. Before budgeting, we were deep in debt with barely to no emergency fund and savings. Then in November of 2018, we had the "I'm sick and tired of being sick and tired of being broke" moment. We decided to start budgeting using the Everydollar app and followed Dave Ramsey's baby steps, then after almost 2 years, we paid off all our debt, fully funded our 6-month emergency fund, saved money in all our sinking funds then started saving in our 401k. Praise God for Dave Ramsey's life-changing financial teachings!
Love my Excel spreadsheet! I knew when I was going to retire (2.5 years ago) that my income would be greatly reduced so I paid off my mortgage and bought out my car lease so I can live within my means and still put aside money for "experiences" rather than "stuff."
Good for you!
I'm thinking of shifting my grocery money back to cash, thanks for sharing.
You're welcome ☺️
Thank you so much for the video an great advice. I have learnt so much. I put my spendings in a pad. But your way an advice is so much better. Esp the dates that the certain bills come out. Loved your advice again thank you xx
I'm so glad, thank you 😊
I'm starting my life all over again in Canada and Im using the spreadsheet for strict budgeting for myself. This time, I wanna be wise and smart where to put my hard-earned money. I know it's not too late yet as long as I am healthy. Thank God! I appreciate your content and I learn from it. Thank you! Take care always❤
It's never too late to make a fresh start. The only time we have to work with is today! ☺️❤️
Thanks, Adelina! I track my expenses every day. For the most part, I use cash and will get a receipt for the transaction so I can add it to my daily tracker and state what the money was spent on -- groceries, pharmacy, etc. I use a Visa card that is linked to my checking account and those purchases are also part of my daily tracking. There is no credit card balance carryover. In addition, I call my bank every morning and I know exactly the amount of money in my checking account....every single day .... and that is on my daily tracking sheet as well. Finally, I know the difference between "needs" and "wants" which means I spend far less. Some days, I spend nothing for the day! Wishing you and Miss Sophie all the best, as always!
Ann, I do every day too😊
WOW Anne! You've build your system perfectly for you. I love it!
Not boring.. and brings back how important it is that they bring back home economics to schools... definitely is a necessity
😊
I’m laughing as I am watching this again and I noticed your carpet at the door. Giving my age away here but mine should say ‘stove, watering hose, 🐶inside,’ 😅😂
Hahahahaha!!!! I love that. ❤️😁
That was very informative. I too, am a Dave fan! I do the same as you, only on paper. Also, I do sinking funds to save for other expenses like Christmas, summer fun, just anything that only comes up once or twice a year. Sticking to a budget is so freeing and to me makes me feel in control of my life.
It's so true. I think it's very freeing not to be constantly worried because I don't know what's happening.
Adelina - yay! I can totally relate, us Virgos are so detailed and stubborn! Lol
LOL! 😊❤️
I've always been really good at budgeting not always as nicely displayed as yours sometimes just in a notebook notebook for the year I put even the little things if you schedule a haircut if you have dry cleaning to pick up if you have a repair that needs to be done people don't always think of those things and then their savings repaying portion is gone to those things they didn't think about. I am 100% sure that this should be taught and taught to all of our high school students they should have to pass this with a high grade it is one of the most important things besides knowing how to do a resume and an interview but kids today have no clue and they do not want to be bothered with paperwork or record-keeping record-keeping or budgeting they have no idea how to balance a checkbook or frenchtons they want to buy a car or even a small house they don't think about the other things like repairs insurance, maintenance, and all the bank fees an interest rate she would have something as small as yearly maintenance on your car or maintenance on your save furnace in your house the cost of landscaping monthly they only look at well it's a cheap loan on a car or small house the only wait kids are going to survive these days if they're taught these things and are willing to learn and there should be another class on how to stretch a dollar kids today think money grows on trees😂
I couldn't agree more that this should be taught in school. I heard a quote that made me laugh. 'Just because banks have branches, doesn't mean money grows on trees '👀🤪🤪🤪
I took a Dave Ramsey University course a decade ago. I wish my sons would show an interest. All in God’s perfect timing!
So true ☺️
Thinking of doing a different kind of budgeting and am going to give this a try. I'm a non Dave Ramsey person, so never took the time to listen or follow what he was saying. Appears I should have been paying attention. Can't wait to start! Well, you had a viewer remark on your clever mat and I'm going to remark on the red chair? Is it new?
It's a $20 Facebook Marketplace find. 😊
Oh my god, I LOVE this!! I'm a loud and proud cheapass and get so much satisfaction from actively NOT spending money. And I'm very lucky and grateful that I've got and done all the right things--no debt, emergency fund, retirement accounts--but my system is all pretty much in my head. I'd definitely love to get it down more permanently. But the thing that intrigues me the most is how you use cash for things I always put on my debit card. I'd love to hear/see more about how grocery shop with just cash and just that amount and make sure you don't overspend.
LOL! I love how you described yourself! 😁. Sure, I'll see if I can do a day-in-the-life on a Saturday showing exactly what I do. 😊
@@myBIGtinyhouselife Ooo! That would be amazing. Thanks!
Hi Adelina and little Sophie .I hope your day is going well. So, I like this concept of using the spreadsheet but dislike using cash. I’m not as disciplined as I could be and listening to this has reminded me of that. I tend to keep my money in the bank and use a credit card that I pay off at the end of the month but like you mentioned you don’t see the money going out of your wallet. That’s the problem right there. I’m going to rethink this zero budget thing again. Thanks for sharing this.❤🐈🤑🏚
You're welcome ☺️
Yup, you're weird ... and so am I!!! I get lost in spreadsheet land all the time, LOL. This was an awesome video and thanks so much for doing it. I had zero income for 10 years and just 2 years ago I received an inheritance. I had to relearn how to manage money all over again. I've been muddling along with my spreadsheets but I was missing that 2nd one you showed us ... the monthly by date expenditures. That is SO helpful! I had something like it, but it wasn't working and I didn't know why. Now I've got it thanks to you :D. 💜
I'm so glad it was useful. Thanks ☺️.
Good system but always plan for a rainy day.
Thanks
Of course. That's why I talk about an emergency fund in the video 😊.
I have a simular set up on paper (my old school) and I love to see where I'm at during the month. I've heard of Dave Ramsey thru the minimalist mom.
Old school works too ☺️.
Sorry Adelina. Thanks for your reply. I had already deleted my previous comment about annualising my fixed expenses because I thought it sounded like I was criticising your method and I didn't want to come across that way, lol. Yes, it is set and forget for the most part and why I like it.
Not at all. I love hearing about what's working for you all. It's fascinating. 😊
"It's a map, that is all it is." I like this. My map is very different, different circumstances, and different temperament, but a map that works for us.
We do not include minimum credit card payments in fixed expenses - because - we only use a credit card when we have the cash in the chequing account to pay it before the bill is due. The interest rates on credit card debt are astronomical, and it adds up fast.
Totally agree with you. The interest rates are ridiculous. It's great that you have a system that works for you 😊.
Thank you. I appreciate the simplicity! So very helpful
You're welcome ☺️
You are awesome for doing this for us so quickly..thank you
You're welcome ☺️
Thank you for sharing.
Thank you so much, I love this subject, and I know this is how I will get from the situation I'm in to my own tiny house ❤️
You're welcome ☺️
Great video! 100% agree with everything. Thanks
You're welcome ☺️
Thank you Adalina for great advice! I started my budget and it's very helpful.
You're welcome ☺️
This was excellent. I think carrying and using cash for day to day transactions is very wise. It makes sense that when you can see the cash leaving your wallet, you're going to be a lot more judicious in your spending. It's so easy to thoughtlessly swipe a card these days. Thank you for taking the time to make this video.
You're welcome ☺️
Great advice Adeline and I totally agree with your comment about it being much harder to spend actual cash as opposed to using a credit or debit card! Having said that, I put everything on my one and only credit card and pay it off every month. The card I have gives me cash back bonuses that I find very useful. My financial goals are part of the reasons I’m starting full time van life. P.S. Hope you enjoy your first Spring season in B.C.!🌷💛
I'm excited to watch you working on your van and getting ready to be a full time vanlifer!
Thanks, I look forward to giving you the ‘grand tour’ in May! 🚐🇨🇦❤️
Excellent Information! Well presented and informative! Really enjoyed and appreciated your style! Thank you for this.
You're welcome ☺️
always so helpful.. thanks
You're welcome ☺️
Thank you so much! Makes so much sense! Really appreciate all this! 🌈🙏🏻🙏🏻❤️🇺🇸
You're welcome ☺️
Thank you big time!!! This has been really useful for me. Since retirement, I've found it hard to adapt to a low and fixed income and have used up all my savings. As you say, I need to bring discipline into my financial matters and manage where my money goes, or see it continue to 'go'. No yawns!! I watched the video twice :)
I'm so glad it was helpful ❤️☺️.
Thank you Adelina for this video and no not borring😺🌻take care💐
Thanks! 😊
It has taken me years to get serious about handling my budget. But I use to watch that show from Canada called Till Debt Due us Part. And she was a fan of using envelopes. She was huge about money waste and buying things on credit. I am much better than I was.
Gail Vaz-Oxlade. Loved that show!
As always, great information and advice. Thanks for sharing Adelina! Have a wonderful week 🥰🙏❤️
You too Nancy 😊❤️
Adelina, You are the best I am so enjoying every one of your videos, including Wednesdays cooking ones. I am hoping to be out of debt by the end of this year and start saving towards my own tiny house. I hope to purchase by the end of 2024. I just need to figure out where I can park it lol. I would like to buy a plot of land so as to not pay monthly space rent.
I've been a full charge bookkeeper since 2005, and have been doing my own zero based budget. I also like Dave's snowball method to pay off my debt quickly. Thanks again for all the great info. Natalie❤
Hi Natalie! Yes, the debt snowball is really an effective tool. Good luck! You've got this! 😁❤️
Great video! Thank you for sharing! Dave Ramsey is a good resource, I have listened to all his videos and podcast and practice his teachings. He makes total sense. Sending your video to my girls who I’m constantly telling them to create a budget.
😊❤️
Great video Adelina. Really well explained. I'm a pen and paper girl but it is the same system😂 Although I'm in the UK I love Dave Ramsey Just swapping the $ for the £. I found him after my husbands financial infidelity and the whole baby steps saved me from the months of worry. Today is so different thanks to a budget like you shared with us and my sinking funds have become such a blessing. Thank you so much for sharing this amazing system of budgeting. xx
I'm so glad that you were able to get through a difficult time. 😊❤️
Thank you for another very useful video! I’m pretty good at budgeting but this strategy will be most helpful. Have a wonderful week.❤
You too 😊
Great episode - Thank you for sharing your system and thoughts.
You're welcome ☺️
Great video! Thank you!
You're welcome ☺️
:) WELL DONE and said! I thinks uts an Adelina thing, and agree being an immigrant family has taught me and others the hard work is needed to be abe to get ahead and a handke on things. Sadly not stresses or taught in school enough. Hard lessons in life as you watch your money disappear ( ALL the BEST and THANK YOU! Cheers from down south :)!!
Thanks Marty 😊.
Great video, I’m a Virgo to and I love spreadsheets. I have a spreadsheet for just about everything I could possibly make a spreadsheet for.
LOL! I totally get you my friend! 😁
Excellent!
Thanks Ian 😊
Working on a debt snowball. Very excited.
Good for you! ❤️😊
I'm from Nashville. I hope you enjoyed your visit to Nashville/Franklin.
Beautiful part of the world and I can't wait to go back! ❤️
Thank you. Thank you!!!!
You're welcome ☺️
Very well explained, no eye roll here 😊.
TFS all you know.
😊❤️
Great video. I have used Dave Ramey's steps and found them to be very helpful. I do pretty good other than spending too much on Amazon. I really need to tighten things up! Thanks so much for sharing!
You're welcome ☺️
Thank you, very informative 🌸💝
You're welcome ☺️
Thank you! It was very useful and I learned a lot. Dave Ramsey says some hard stuff but very true.
You're welcome ☺️
Yay for us Virgos and spreadsheets ;-). Really love your channel. So calming.
Thanks! ☺️❤️
I appreciate this video very much! I have listened to it twice through and appreciate the breakdown on how to utilize a zero based budget. Thank you!
I'm glad it's helpful 😊.
This is so great: uncomplicated, easy to follow. And it came at the right time. THANK YOU ♥
You're welcome ☺️
thank you for this. First time a have seen someone showing a zero-based budget. I have a couple of observations though.
You divide a month expenses (600$) in to weekly expenses (150$). Taking out 150$ cash to spend every week will have you missing 4 weeks of expenses in a year.
A year is 52 weeks, so 52 divided by 12 (months) is 4,3 weeks, so each month is 4,3 weeks. That means, in the example, that the 600$ should be divided by 4,3 which comes to 140$ per week. If you take out cash every Saturday, then it will be 150$ times 52 weeks 7800$ in a year, whereas in the spreadsheet it comes to 600$ times 12 months which is 7200$. You will then be 600$ short in a year! You have plenty of extra so will not notice this through the year .... probably, but others might.
A question....why not put the money in to savings, paying off debt etc. at the beginning of the month? That way the money is working even more for you. Lesser debt to have interest on, more time invested in stocks etc. When you have the budget (and stick to it) AND have an emergency fund then those extra money is just sitting there a whole month.
Well hopes this makes sense. I have always had an interest in this (even spread sheets, haha) but it's only in the last 5 years that I have really gotten in to it.
Thank you again, and it ended up being a loooong comment here all the way from Denmark.
Hi. This isn't my actual budget. As I say in the video, this is an example.
@@myBIGtinyhouselife yes I understand. But the math doesn’t add up. Well … it was just an observation, if others wanted to make one like it. 😊
I have always been a conservative spender. I think that comes from having been brought up by parents who went through the depression. I do not have a written down budget but I take out so much cash every 2 weeks for gas, groceries & meals out. I try to only use my credit card for unexpected expenses, travel, clothes etc. From my savings I pay my credit card & my fixed expenses each month. This plan has worked very well for me. I'm sure with your budget you will be able to get ahead this year. Good luck. ❤️🐈🌹
You have a good plan too. ☺️
Thank you very much for this video
😁
Great video. I use an envelope (ledger system). Works great so far.
Great system too! 😊
Afternoon from Australia...I love your videos I look forward to them every week...I found this video very interesting I try and follow your budget ideas already but you've given me more food for thought...I have a question though in regards to saving/emergency fund how much would you recommend a person should have ,I like to have that rainy day fund....many thanks
Thanks. I will do a video on that topic for sure. 😊
Found this very interesting Adelina. I've been doing the same thing for about 20 years.
😊
Dave Ramsey is key! I’m so glad my husband and I found him in our 20s. A zero based budget is key! George Kamel on the DR show is amazing also. So happy seeing others adopt zero base budgets. Keep killing it!!
I agree
You know we do the very sss as me thing you do, you have to. We are debt free also. Too many younger ones charge there lives away, and we too fell into that trap years ago. Now we have been living this way for at least 10 years now
Most of us make those mistakes which is why I try not to be preachy. 😊❤️
well done you have to have budget or your going to over spend learnd that a long time ago when i got in bussines 30 years ago had to learn how to take care of money your video is great
Thanks 😊
I think Virgos and Capricorns are a lot alike. Many years ago I set up a holiday account with my bank. It was called a Christmas club account. You would put money into it each month and in November you would get the balance with interest. I did it to save for property taxes due in December and April. Long story short, my current mortgage now includes property taxes and insurance. I still have the holiday account set up. Each year I increase the amount by $50 per month. Currently I deposit over $700 per month. I don't miss the money because I don't see it. Also my gas and electric companies have programs where they average out a year of service and divide it into 12 months. That way your monthly bill is the same each month. I like your cash idea and will implement it. I also work from home now and save so much. Thank you for an amazing video.
Yes, my power company does the same thing. It makes it much easier to budget. Live your savings hack. Good for you! ☺️
@@myBIGtinyhouselife I am like you. I also am happy and realize that I don't need much. Stay safe and a little hug to Sophie.
Thank you. You too!
Thank you
You're welcome ☺️
I’m was Dave-ish. Now I’ve added YNAB principles. You definitely have to manage money or it will manage you for sure. I use a spreadsheet to have a template of my intentions, YNAB is used to track my envelope balances.
Good for you! ☺️
Thank you so much for this Adelina:) Some years ago I began a spread sheet to record expenses and days when bills are due but did not take it to the next level as you have done. I will now do so!!! Like you I love to see records, graphs, lists, anything which helps me feel more in control of my life in a world where so much is out of our control. However, living in the UK I am finding that prices of energy have gone mad over the last year and grocery bills are increasing weekly. I never know what I am going to have to spend. May I ask how you adapt to that? Would you suggest making a % allowance extra each week to the whole budget to cope with the ceaseless increases? I get very thrown by this as my expected budget keeps becoming redundant. I try to shop frequently at times when I know reductions are made and often save a lot by doing that but then I give in and buy something I did not need or want just because it is reduced or simply because I am in the shop and things look enticing. Makes me feel very weak.
Hi! I like your idea of having a just in case amount. I kind of do that because I often don't spend all of the weekly cash each week so whatever's left gets tucked away for a week when there's an unexpected increase in prices or a good sale I want to stock up on. I make it a challenge to not spend the whole $250. It's comforting to have those extra dollars set aside. It's a crazy time right now. I'm buying frozen fruit and veggies when fresh costs are too high. Still nutritious and usually much less expensive. Also making things from scratch ahead in bulk, like the bulk corn bread mix, i think saves $ and time too.
Thank you Adelina, this is so helpful!! I'm paying off a bit of debt and saving for a down payment on a tiny home. What would you suggest if my income is seasonal, or more weighted in the summer months? I need to save some of it for expenses for the coming months when income is more lean. Plus I'm starting a new business for my off-season, and really don't know how much I'll make. I guess I'll have to make more than my expenses once the summer money runs out... !
Thank you Adelina!
I’ve tried to use YNAB over the years & can’t seem to keep up with it.
Discipline is certainly the key.
Great video😊
I've never tried it but I've heard that the app Everydollar is good.
I just checked on Dave Ramsey's website, and created an account. Then I was able to click on "Get the App on Google Play", but once on Google Play, it said that it's not available in Canada. Could you share your spreadsheet Adelina ? Thanks : )
My mortgage is paid. Working on getting my tiny house.Met builder. Architect next 🤞🏾
Good for you!! ☺️
Wonderful video 😊
Thanks! 🤗
This was an amazing talk. I don’t worry about money but am looking towards an early retirement and this gives me an approach!
I'm glad you liked it 😊
I have kept a paper budget for many years and have a small emergency fund but I have not tried the weekly cash idea. I usually pay my bills and what’s left I use “Willy Nilly” during the month. I have the intention of having cash left over to apply to debt at the end of the month but rarely do. Thank for this tutorial!!! I’m going to change to a spread sheet and weekly cash allowance to meet my goals. 😊
Good luck! 😊❤️
This was neat, could you make a separate video explaining the forward balance in more much more detail?
Thank you Adelina. Vet Bill's can be very expensive. Do you use a pet category or just use savings?
I don't have many but in a month that I need to take her in, i use my savings account. I keep some $ liquid for things like oil changes and vet bills and then replenish when I use it.
Lol off subject 😅 just saw your mat at the door Lol can definitely relate 😅
LoL, it makes me smile too.
Great video and I really enjoyed you breaking it all down. My question would be, how do you handle those online purchases for “fun, personal”. Do you use money from savings and then repay it the following month?
I'm not doing any in line purchasing right now but if I did, yes, I'd deposit that amount back into the bank and make the payment immediately on the card.
We started with Dave as well. His thoughts are great and work super well. We just didn't like the cash envelop thing. Such a hassle, DH worked out of the house and if he didn't take grocery cash with him, he couldn't stop on the way home to pick up a few things. I know, better planning on our part would have helped. We left Dave, and moved on to a program called YNAB. Absolutely love it! ;) Thanks for the video! Edit: actually we started with Gail Vas Oxlade. :)
Love her! And YNAB is great. It's good to fine what works for you ☺️
Putting your money to work... I like it!
😁
I started cash stuffing and savings challenges. I am on a fixed budget and get paid once a month. I am enjoying moving cash into envelops and filling in dots to show where I am at. Also have a change jar. Working on cash is a challenge but have stopped using credit cards and am keeping track of what I’m spending.
I've done something like the envelope system way back. It's very satisfying to see those bills all nicely arranged isn't it? 😊❤️
@@myBIGtinyhouselife bills not so much in envelopes. They are in the auto pay thru my bank. I like your spreadsheets bc it shows where money is going that I am not cash stuffing.
The savings challenges for big ticket items- a Lomi, saving for vacation … things that are too big to come out if 1 pay. I cash stuff for Costco bc I need to save for that one. I like the challenges too it’s nice to get a bonus from yourself when finished. I am still a work in progress with it. No way a pro but I do use a budget, auto pay and use cash and envelopes to track where it goes.
Also you are more aware of how much items are when you have to hand over a $20 and you only get change back. Ouch. Lol.
Yes, handing over those bills 💵 makes a difference.
I love seeing how you keep track of all your money. What system do you use for the spreadsheets. Is it Excell or which program? I need to get better at this. Hard to do as you said with someone else in the house. My partner spends too much money. I actually do try to keep exact track of my money also. Love seeing it on paper or a spreadsheet. You are always so helpful and lots of information. I just adore you.
Hi! I built it in Excel but have it opened in Numbers on my Mac for the video. I've put a link in the show notes to a downloadable template. It's hard if a partner has different spending habits. That where cash could actually help. Each person gets their 'fun' money in cash each week and doesn't have to account for what they do with it. Of course that only works if they don't also use their debit/credit cards. Good luck.
@@myBIGtinyhouselife Thank you 😊
love Dave Ramsay
😁
👏🏾👏🏾👏🏾👏🏾👏🏾
❤️😊
When I went to getting paid once a month I thought it was going to be TERRIBLE but it was the best thing for learning how to budget!
I'm curious. Why do you think so?
Hi Adelina! The moment you mentioned you were a spreadsheet person, Virgo popped into my head before you mentioned it! Very funny! All my friends who are Virgos are "spreadsheet people"!
LOL 🤷🏻♀️🤪😁❤️
@@myBIGtinyhouselife Thank you, Adelina, for the very informative video. I hope you do more of them. I am hopeless at budgeting!
I love the topic so, yes, I'd love to make more of this type of video.
Very useful, very interesting, and not boring! But I am a virgo also lol. I learned about Dave Ramsey a few years ago and his principles literally saved and changed my life! I became debt free with the exception of student loans, and one high balance credit card (yes mortgage free also) a year and a half ago, but last year had an unexpected health issue that landed me in $8,000 medical debt :(. So digging out of that now. I would love to know if you have a recommended video on how to create a budget spreadsheet (basically the formulas) - I think that is what I am missing. I only use one simple spreadsheet at my job - and someone else created it lol.
Hi! I linked a downloadable budget spreadsheet in the show notes.
@@myBIGtinyhouselife oh thank you!!!
Love this!!! Having financial peace of mind is HUGE!!! This is a great idea and everyone should do this!!! Sending love!💕💕
Thank you 😁.
May I ask what spreadsheet app you use?
Just Excel.
Good idea, but you always do. I hope Keaton is doing fine. I heard a story on the news. About some crazy, lazy Americans. People are using the insulin pins for weight loss. Not to control their blood sugar. Also they were willing to pay big bucks for the medicine. And people are now going in Canada,in the B.C area.😳🤪
I don't think that's the insulin but another diabetes drug usually used for adult onset (type 2) diabetes. Crazy though!
@@myBIGtinyhouselife I thought it was for type 2. I hope Keaton and his favorite mom are doing well.
❤️he's great. Thanks.
What spreadsheet are you actually working with
I built my own but I've put a link to a downloadable one in the show notes.
Ok great ,, thank you
I checked the link but I liked yours more !
I love spreadsheets and budgeting. Please give us your zero based budgeting insight when you get paid every other week.
I do get paid by-weekly. You simply put those paydays into the spreadsheet on the actual pay days.
I can’t resist the “cash back” I receive from my credit card. It’s free $ and fortunately I can pay off my debt each month.
Please convince me why I shouldn’t be doing this in my situation. Maybe I tend to overspend (?).
Hi. If that works for you then it's not my place to convince you otherwise 😊.
Ok thanks, I’m just wondering if there’s some down side to my method that I’m not seeing.
I really appreciate your budget explanation! Love your channel!
Can I get your sheet template
Hi. I don't have a way to share it. Sorry.