Budget-Treasures
Please provide a transcript excerpt for me to summarize.
In this section, Jasmine AKA Budget Treasures discusses her financial journey, including her current situation of starting over with managing her finances, paying off past due bills, and solidifying her budgeting method. She emphasizes the emotions of budgeting and the struggles that come with starting from scratch or starting over. Jasmine proceeds to share her bi-weekly paycheck budget, where she details the bills she has to pay, including court debt, life insurance, personal loan, and credit cards. She explains that she views her paycheck every Wednesday before payday and completes her budget before her money hits her account. Jasmine then speeds up the process of completing her budget and announces that it looks pretty good.
In this section, the YouTuber explains how she budgets her bi-weekly paycheck and pays her bills. She has a primary account for paying bills and various expenses and has separate savings accounts that she does not touch for bill payments. She pays tithes and mortgage automatically and has life insurance on autopay. She has credit card bills to pay manually by certain dates, and she pays all her bills on payday to get them out of the way. She has a leftover amount of $1038.76, and the good news is that her Solar bill is now paid, and she plans to pay down more bills with a bonus she will receive soon.
In this section, the speaker discusses her progress in paying past due bills and how she budgeted her bi-weekly paycheck. She highlights that she was able to pay off one more bill and only has two more bills to pay current, which shows that she is making good progress. The speaker also talks about her envelopes for groceries, which she doesn't have to take money out for as she received help from others and God. Finally, she discusses how she pays her past due bills, which is by calling her lenders and working out a payment arrangement and making sure she pays a portion of it every paycheck.
In this section, the speaker shares a story about how they had not received an electricity bill since moving into their home, assuming that they would only have to pay a solar bill. This went on for a year, during which they had been calling the electricity company to inquire but had no luck getting through. Finally, they received a bill of $466. Unsure if the amount was for three months or the entire duration, they set up a payment plan of $38.91 per month to pay off the balance. The speaker advises that utility companies offer payment arrangements if one is in good standing and discussing it with them would be a viable option to pay back what's owed even if the bill is past due.
In this section, the speaker talks about dealing with a high utility bill and how it took her by surprise. However, she says that she knows everything she's doing is right and has a better attitude about it. She discusses recalculating her budget with the rolled-over amounts from the previous month and talks about her plans to go to the bank to withdraw cash for her sinking funds and daily cash envelopes. She encourages the viewers to put some praise hands in the comments and to subscribe to her channel.
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