Budget-Treasures
In this YouTube video, Jasmine, aka Budget Treasures, takes her viewers through her budgeting process for her bi-weekly paycheck in June. She uses the Budget Mom's budget-by-paycheck workbook and gel pens to plan out her bills, including mortgage and tithing expenses. She has an inflow of $1,272.18 and calculates her fixed expenses for the pay period, leaving her with $670.90 for variable expenses like groceries, household items, toiletries, and gas. To help with her no-spend month, she plans to cut back on grocery spending by purchasing store-brand items and cooking meals that can stretch for a few days. Despite some outstanding bills like Mastercard and car insurance, she is making progress towards her financial goals and shares her excitement about getting her HOA bill handled. She emphasizes the importance of having a system for bill management and encourages her viewers to subscribe to her channel.
In this section, the YouTuber Jasmine, also known as Budget Treasures, shares her budgeting process for her bi-weekly paycheck in June. She uses premium gel roller pens and the Budget Mom's budget-by-paycheck workbook to budget for the next two weeks, which includes the bills that she needs to pay. Jasmine takes note of how much she spent on gas during her last paycheck, which was $137.25, and is going to take some money out of her budget to satisfy some bills. She also notes that she is working with a paycheck date of June 9th with an inflow of $1,272.18 and includes her fixed expenses, such as her mortgage, in her budget. She also shares that she includes her tithing expense in her budget to encourage her audience.
In this section, the YouTuber discusses the bills that will be coming out of their paycheck of $1,272.18. They have a past due trash bill which they plan to pay $50 on the 9th and 23rd to get it up to date. Their water bill is due on the 10th but it's every other month and currently has a zero balance. They have an outstanding balance of $14.56 on their electric bill that is on a payment arrangement to be paid off over the next year. There are also bills for life insurance, personal loans, Stars, Mastercard, Macy's, and car and home insurance in which they aim to figure out how to get a discount.
In this section, the YouTuber discusses her progress with a no-spend month and the reasons why it's been successful so far. She highlights that not having money to spend and being determined to see a change in her financial situation have been the keys to her success. She also shares how a viewer's suggestion to contact her cable company helped save her $20 on her bill, and potentially more in the future. The YouTuber then goes on to list out her bills for the pay period and calculates that she has $670.90 left over for variable expenses, including groceries, household items, toiletries, and gas. She decides to cut back on her grocery budget and only take out $100 for this pay period.
In this section of the video, the YouTuber discusses how she plans to adjust her grocery budget to only spend $100 by cooking meals that can stretch for a few days and purchasing store-brand items. She also plans to purchase a gallon of water instead of individual bottles and make adjustments such as pouring soda from a big bottle into a cup. She sets aside $20 for toiletries and $15 for gas and mentions that she does not like to go to the window at gas stations due to safety concerns. Additionally, she budgets $50 for Father's Day and looks up the cost of a Roku device on Amazon which comes to a total of $26.93.
In this section, the YouTuber is calculating her expenses and available funds for the upcoming two weeks based on her bi-weekly paycheck. She mentions her plan to make chili for dinner and takes note of the extra money she will have leftover after accounting for bills and expenses. She then moves on to discuss her sinking funds and the money available in each envelope. She plans to transfer some money to her HOA bill to pay off the pre-lien fees and expresses her excitement about getting it handled. Finally, she shows off her new bank bag and makes a note to remind herself about where the money will be going.
In this section, the YouTuber reviews her budget step by step for her bi-weekly paycheck. She includes notes about her HOA payments and saves $25 dollars for her sinking funds. Additionally, she mentions her "No Spend Month" challenge and how she budgets her money to pay all bills on payday. She also notes that she hasn't been grocery shopping and has been eating food from her refrigerator to save money. Overall, she is making small but mighty improvements towards her financial goals and is excited about her positive progress.
In this section, the content creator explains her process for managing her bills, the importance of paying tithes, and the value of having a system to avoid being late on payments. She emphasizes the significance of following her system and shows appreciation for her followers, ending the video with a call to subscribe and a promise to see viewers in the next video.
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