HOW TO SAVE $10,000 in 2023 ON A LOW INCOME | MONTH EIGHT UPDATE! kzitem.info/news/bejne/y62o0pqVoqCqiZg
@ohshebudgets
10 ай бұрын
Hey Friends 👋🏾 Thanks for tuning in to today’s budget with me video! It’s payday which means it’s time to budget. I’m feeling some type of way about my budget at the moment, but I’m grateful to know how to budget at all. How do you budget?
@Sitasbudgetingjourney
10 ай бұрын
I’m here catching up. Glad to see you posted. I am a pen and paper budgeter.
@ohshebudgets
9 ай бұрын
I was wrong thinking most people were using digital budgeting 🫣
@BudgetingStudent
10 ай бұрын
Hi Shadavia!! Its been awhile here omg Its so good to be back I think youve been consistent with grocery funds thats awesome
@ohshebudgets
10 ай бұрын
Hey Debbie! It has been. I miss it so much but I’m happy to still post again. The grocery budget has been consistent, I’m just running out of food ideas 😂
@perrycountyoffice7580
10 ай бұрын
dont you have your month ahead envelope, use that money get rid of tht cc debt and then build it back up that way you aint really loosin any money! glad to see you back.
@ohshebudgets
10 ай бұрын
I do thankfully! I’m just struggling with pulling the trigger to do so. 🥴🤦🏾♀️
@perrycountyoffice7580
10 ай бұрын
sorry i did not mean to nose into your business, i was just worried as i know how hard you have worked to get out of debt and i sure dont want you to get back in.
@ohshebudgets
10 ай бұрын
@@perrycountyoffice7580 you’re fine! After all I do share my finances on KZitem for the world to see🤭
@managingmonasmoula9811
10 ай бұрын
Hi 💕🙋🏻♀️. New here. Great video! I’m a pen and paper budgeter also. 💲💵💸. I like my stickers and notebooks and workbooks and pens… 💛
@ohshebudgets
10 ай бұрын
Thanks for joining me 💜✨
@cowan2881
10 ай бұрын
Pen and Papper 🤩
@IDesireeWealth
10 ай бұрын
Hey Hey, watching while working. I use the split payment method now going fwd, paper planner, cashless method and some cash. I'd give $100 a little bit more such as 115 or 120 since things are cost more
@ohshebudgets
10 ай бұрын
Hey girl 👋🏾Depending on how much my next check is and what my bills and other expenses look like I just increase it a smidge. We shall see 🫣
@Hotmessbudgets
10 ай бұрын
Great video ❤️🔥
@ohshebudgets
10 ай бұрын
Thanks so much!! 💜✨
@simplybudgetingmyway2035
9 ай бұрын
Great video! Congratulations on completing your 10k 🎉 I will be fully funding my 10K Emergency fund with my 2nd pay in December. I am a cash envelope budgeted who uses pen and paper. I would love to see your 20k journey/plan.
@ohshebudgets
9 ай бұрын
Congratulations! There is a level of comfort that comes from having that emergency fund. I will upload an update this month on my 20k journey 🍾✨
@tmac8798
10 ай бұрын
Hey Shadavia🎉🎉
@ohshebudgets
10 ай бұрын
Hey friend 🤗💜✨
@JenniferD.-wt4uj
10 ай бұрын
Hey, girl ! Good to see on here today! I'm glad to see you are doing well 💗!
@ohshebudgets
10 ай бұрын
Thank you! We’re still going strong even when life throws curve balls 🤭
@JenniferD.-wt4uj
10 ай бұрын
@ohshebudgets that all we could do right as long you don't give up! It gets bad before it will get better! Just keep the Faith Strong, and we all will get through it one way or another, my friend!!!
@saveandlearnwithme
10 ай бұрын
I’m beginning to think my grocery budget for myself is too high. I do $65 a week as groceries where I am are expensive even with my stores app and rewards. I think your budget is fine for 5 but maybe add a buffer for the holidays or buy one or two items extra to get you through. I am so glad you’re okay! I was starting to worry ❤
@ohshebudgets
10 ай бұрын
It’s been working but with my kids growing and son apparently going through a growth spurt they’re eating more. 😂 I’m always missing you guys when I don’t post but still trying to balance creating videos, working overtime, and life. 🤭💜✨
@shantele7026
10 ай бұрын
I’m a pen and paper budgeter
@ohshebudgets
10 ай бұрын
Do you think you’ll ever go digital?
@samanthajackson5064
10 ай бұрын
Welcome back 🎉. I tried digital but didn’t like it went back to pen and paper
@ohshebudgets
10 ай бұрын
I’ve never tried it. I write everything down, even stuff I can “put in my phone.”🫣
@SavvyMama__
10 ай бұрын
Great budgeting ❤️
@ohshebudgets
10 ай бұрын
Thanks for watching! I’m happy you enjoyed it 💜✨
@MzPerr215
10 ай бұрын
I use pen and paper to budget.
@ohshebudgets
10 ай бұрын
Would you try digital?
@NaturallyC
10 ай бұрын
I enjoy a good pen and paper when budgeting
@ohshebudgets
10 ай бұрын
That’s the only way I do it ☺️
@MeaganAsh23
10 ай бұрын
Pen and paper budgeter!!!!
@ohshebudgets
10 ай бұрын
I write everything down 🤭
@margobudget1533
10 ай бұрын
Pen and paper all the way
@ohshebudgets
10 ай бұрын
Same here! 🤭
@JosieBClark
10 ай бұрын
Do you have any budget billing options?! Set price all year long?
@ohshebudgets
10 ай бұрын
I have the option to do budget billing for gas and water/lights and used to be enrolled in both. I was losing money with both because my bills were never really high enough were I could benefit from it. I did however reenroll for the winter months for gas to help keep the bills down a bit.
@AlgebraNerd06
10 ай бұрын
Electricity has been astronomical 😭 at one point this summer we paid around $600. It hurt.
@ohshebudgets
10 ай бұрын
Oh wow! I would literally cry if that happened 😩
@tamikajones6970
10 ай бұрын
I'm a pen and paper budgeter. I would like to see your plan to save $20K.
@ohshebudgets
10 ай бұрын
I’m going to share it. It looks like next month so I’ll have to update you guys on the first 2 months so far. 😊
@tamikajones6970
10 ай бұрын
Awesome and I know that you will crush that goal as well. 🤗
@dee-clutteringqueen5881
10 ай бұрын
Both pen and paper and digital. Welcome back. Don't see how you survive off $100 per pay period.
@ohshebudgets
10 ай бұрын
Meal planning but I think I’m running out of ideas 😂😂
@bee42Sad
10 ай бұрын
With the interest on the cards, wouldn’t it make more sense to pause the house savings to pay it off? You’re losing money with interest.
@ohshebudgets
10 ай бұрын
I’m back and forth on it because I actually have the money to pay it off, it’s just something about pulling the trigger to do so. 😬
@robyn_southafrica
10 ай бұрын
So simple, so straightforward, no frills. I love it! 🤍 Also, I'm a pen & paper budgeter as well 🤗
@ohshebudgets
10 ай бұрын
I’m happy you enjoyed this budget breakdown. Thanks for watching and supporting 💜✨
@TheBuckzie
10 ай бұрын
Why would you add money towards savings when you have outstanding credit card debt? Makes no sense to me
@ohshebudgets
10 ай бұрын
Personal preference 🤭
@Numb2Fear
10 ай бұрын
Always pay your self first
@TheBuckzie
10 ай бұрын
@@Numb2FearWhy? It will always make more sense to down pay all outstanding short term debt, both to reduce cost, mitigate risk and release more funds into your budget when fully paid down. It also opens up more security in having higher credit available if needed. The "let's save while we owe"-thought has and will always be one of the things that fascinates me most about Americans 😅 It simply makes no sense, what so ever. But hey, each to their own 🤷♂️
@joeyroberts9730
10 ай бұрын
groceries for 5 should be between $125 to $150... the way prices are....
@ohshebudgets
10 ай бұрын
I could do $125 weekly 🤔 I’m surely stretching the $100 these days!
@donnamcclenton7340
10 ай бұрын
I agree for a family of 5 that should be at least $125-150 It’s just me and I budget $75 a week and here is why.. I don’t eat a lot of pasta.. nor do I eat white potatoes or tuna.. I refuse to buy that.. .. I don’t eat a lot of bread.. I only cook with eggs I don’t drink milk either…. But with my budget I keep extra food.. idk how old your kids are but if you have a teen girl look out..Also a man needs more ..especially if he has a harder job….we are African American we have a higher matabolism…. Notice kids always want a snack??? The food we buy now isn’t as filling as when we ate growing up..
@MindYourMoney
10 ай бұрын
hi! I'm a pen and paper budgeter! I have a family of 5 too (almost 6) and we typically budget around $100 per week. It just causes a lot of strategy and definitely meal planning. 🤎🤎
@ohshebudgets
10 ай бұрын
Yes, exactly! Do you feel like it has gotten a little tougher lately with the increase in prices?
@MindYourMoney
10 ай бұрын
@@ohshebudgets yes, it's a lot tougher now. and it doesn't help that my boys are picky eaters. I am still trying to find a balanced meal that they all will eat and make it continually. Ibotta and Fetch helps a little for rebates.
@ohshebudgets
10 ай бұрын
@@MindYourMoneythat’s what I need to start considering but that’s be one more thing to think about 🫣
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