January 2021 Paycheck Budget Recap | Budget Tips + Savings Goals financial goals worksheet

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Ryen & I are talking about our January 2021 budget numbers! Not only do we show where our dollars went, but we also discuss our failures and what financial …

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January 2021 Paycheck Budget Recap | Budget Tips + Savings Goals

January 2021 Paycheck Budget Recap | Budget Tips + Savings Goals

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January 2021 Paycheck Budget Recap | Budget Tips + Savings Goals
financial goals worksheet
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49 comments

Lila O'Quin 27/09/2021 - 3:31 Sáng

I love watching Ryen’s budget videos because I am budgeting with payoff debt too. Thank you!! 💜

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Lila O'Quin 27/09/2021 - 3:31 Sáng

I am so thankful for your content and community. Thank you!

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Diana Chacon 27/09/2021 - 3:31 Sáng

Does anyone know where she keeps her sinking funds or other savings? Does she have various separate bank accounts or does she keep large amounts of money in envelopes? In other words, how does she keep her saved money for different categories separated ?

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Kelsey Armstrong 27/09/2021 - 3:31 Sáng

What pet insurance do you have?

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The Budget Newbie 27/09/2021 - 3:31 Sáng

I am hooked on your videos and am starting my budget by paycheck journey this month. I would love to see a more updated set up of your budget. Especially Ryen's (with debt) but also you talk about cash flowing smaller birthday and expenses. How do you do this? Is it treated as a bill or a one off envelope for the month?

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Heather Liedl 27/09/2021 - 3:31 Sáng

This video JUST answered all the questions I had while doing my February recap. INFLOW makes so much sense now. Plus calculating the savings based on actual income vs. inflow. THANK YOU!

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Tanaja Edwards 27/09/2021 - 3:31 Sáng

do you count sinking funds as savings?

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Lily Bastian 27/09/2021 - 3:31 Sáng

Do you have any tips for someone who doesn’t have consistent work? I’m a college student who is only able to work over summers and winter breaks and struggle to determine how much I need to save and make in order to stay afloat during the semester

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Shop.Eat. Repeat. 27/09/2021 - 3:31 Sáng

I don’t see mortgage or rent in the category. Is this in a different area?

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Alondra Lala Sanchez 27/09/2021 - 3:31 Sáng

Kumiko where did you purchase your label maker?

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Stacey Lynn 27/09/2021 - 3:31 Sáng

What kind of bank should we have for the big sinking funds?

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Stacey Lynn 27/09/2021 - 3:31 Sáng

I'm new to this budget thing but I'm focused hard because I wanna get a home for my family!

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Vee Gee 27/09/2021 - 3:31 Sáng

I addressed the issue of inflow as 'added budgeted income' about two years ago. I realized the need to account for funds accumulated in previous months but used later on. I use the same idea you have about not counting those funds as income.

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Jennifer Orton 27/09/2021 - 3:31 Sáng

Thanks for the in depth explanation. I want to get started using TBM method, but first I have two questions. First, for food, do you include everything you buy at the grocery store like TP, paper towels, shampoo, etc? Or do you go through your receipt and separate those things into another category like household, health/beauty??

Second, my husband gets paid twice per month, so the BBP method works well. But I also have my own laundry business where I get paid through an app multiple times per week, and it’s variable from week to week. How do I include that income schedule and fluctuation into the BBP method? Thank you!

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Louisa Ruby 27/09/2021 - 3:31 Sáng

I love this concept of "inflow"! I started including cash gifts as income but it felt weird since it wasn't earned income but the different categories of inflow makes a lot of sense!

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Judy D 27/09/2021 - 3:31 Sáng

THANK YOU for sharing your thoughts on cars. Especially what you said at 3:26 minutes, "I've learned in my life sometimes convenience….smart convenience… our time is more valuable than the money that you would pay or save.". When I began my budgeting journey, I was leasing a car. When the lease was up I decided not to lease again, instead I was going to buy a used car. The entire process took months and it was very stressful. I know there is no perfect way to buy or sell used or new cars. There are many options, and we all handle stress differently, but not many budgeting experts talk about decision-making stress equity. They don't talk about the stress that goes with this process, especially if you are a person who does not know much about cars. Thank you for acknowledging this truth 🙂

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Lianne Cronin 27/09/2021 - 3:31 Sáng

I'm not sure the revised way of calculating % saved is accurate. Rather than inflow I think of it as available funds. What % of funds available to me did I save. Say I have 100 dollars for my partners birthday in a sinking fund but only spend 90 dollars on his present, then the remaining 10 dollars is available to me to either spend or put towards other savings goals.

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Corrinna Colby 27/09/2021 - 3:31 Sáng

I would be interested to see your savings and sinking funds funding separated. I feel like sinking funds aren't really saving–they are budgeting for a future planned expense. Just a thought. I totally love The Budget Mom–I've been doing budgeting by paycheck for years and years and I love the resources you have made available that allow me to finally track in a meaningful way.

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Morgan Judith Nancy 27/09/2021 - 3:31 Sáng

Successfully done with Darkfire43 verified service on telegram he sells fresh fullz 🥂bestplug ever .

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Rabb’s Wallet 27/09/2021 - 3:31 Sáng

i love when you two are together doing the last months reviews!

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Michelle Morales 27/09/2021 - 3:31 Sáng

"Inflow for cash flow" Love that!!!
That makes alot more sense. Alot of times I don't even record a sinking fund inflow, if I'm using the whole thing… like for Vacation.

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Yangie Mouie 27/09/2021 - 3:31 Sáng

I love watching these videos but if I may give some feedback: Miko please stop interrupting Ryen. She’s a very bright person and doesn’t need you to complete her sentences or to explain things she can explain for herself. 🤦🏻‍♀️

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Judy Dickson 27/09/2021 - 3:31 Sáng

Hi, can you share your nail polish kit you used. I love the colour. Thanks for the great video.

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Kat Thompson 27/09/2021 - 3:31 Sáng

How do you keep track of your checking account cushion as you use it so that you know how much you have to replenish? Do you use a separate spending tracker?

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gaffercat 27/09/2021 - 3:31 Sáng

I love the Zebra mildliner set! Cute colors! I'll try to copy your scheme next month.

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Stormbrise 27/09/2021 - 3:31 Sáng

Asking again for international shipping on your workbooks

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GiGi K 27/09/2021 - 3:31 Sáng

Reusable Menstrual Pads HatThatStore E T S Y

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Annake Piper 27/09/2021 - 3:31 Sáng

How can you track all your sinking funds as only eight goals in the book xxx

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MiddyKitty Kat 27/09/2021 - 3:31 Sáng

Have you done an hourly/ tipped worker budget? It's so hard to budget when I'm not sure how much its going to be from my tips!!

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vel629vet 27/09/2021 - 3:31 Sáng

Absolutely love getting to see you and Ryen’s budgets together each month and hear you just chat as friends about them! So helpful and helps me stay inspired to stay on track!

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Valerie Babbe 27/09/2021 - 3:31 Sáng

Love these vedio it always reconfirm that I'm doing in my budget is correct

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Tru Neilson 27/09/2021 - 3:31 Sáng

Private party is how I prefer to buy a car, its not a big deal to go to the loan holder and hand them the check they then give the extra to the car owner and give you the title (or your bank if you have a loan). I can pay my mechanic $150 to do a better inspection than the dealer will and I save $2850.

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Paula Croly 27/09/2021 - 3:31 Sáng

February is like the down time after having 1300 days in January 😂

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srikala90 27/09/2021 - 3:31 Sáng

I like to see both you and Ryen discussing the numbers. It also gives clarity on the process!

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Travollic 27/09/2021 - 3:31 Sáng

Do this budget planning in Excel Sheet and it will make your recording and tracking so much easier but I do understand Excel might be quite tough for those who never worked with it.

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Susanna Smith 27/09/2021 - 3:31 Sáng

I feel too guilty if I cut my kitties' budget and don't cut mine LOL! I need to budget in some cat perches/trees for them as they've pretty much outgrown their kitten one. But I went overboard when I had dogs and was always getting stuff for them and only one played with toys so I finally learned to just replace her favorites when needed and get bones when I went for dog food. the fund for them is great too because as mine got older the lab needed that expensve acl surgery and both needed more meds as they aged and I had in-home euthanasia for each when that time came that included cremation. with the first I wasn't budgeting but with the second I was budgeting and didn't use the credit card.

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Ione Evans 27/09/2021 - 3:31 Sáng

From 17:00 to 17:55 I am sooooo 😕 confused. Inflow? Income? It all started to sound like Charlie Brown's teacher. Gonna go back to the beginning to get a better understanding

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luv 2cook 27/09/2021 - 3:31 Sáng

Thanks for the video..I'm realising that I'm traking my spending into my envelopes but not leaving room in my budget to save..I gotta work on it 😀

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Chris Rampersad 27/09/2021 - 3:31 Sáng

well another dealer give you more? My friend went to see what she could get for car if sold to a dealer. one dealer offered 2000 less for her vehicle than another dealer. It pays to check around.

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Chasitiy Whittemore 27/09/2021 - 3:31 Sáng

I like Tyan but the other lady over talks her. Very irritating.

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Plan in Progress 27/09/2021 - 3:31 Sáng

I’m so excited for Ryen to sell her car!

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Bird mom 27/09/2021 - 3:31 Sáng

💜💙💜💙💜 Love watching your videos 💜💙💜💙💜

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Nikoshia Johnson 27/09/2021 - 3:31 Sáng

You have to pay CARMAX the difference at the time of the sale or pay the $3000 to your loan prior to selling it to CARMAX. CARMAX will NOT cut you a check. I worked for them for a few years so this how I know the process.

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Anne Hingada 27/09/2021 - 3:31 Sáng

Hi sissy where did you buy the budgetting book?

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Created 2Praise 27/09/2021 - 3:31 Sáng

It is worth 3 THOUSAND dollars to do the work to sell the car privately. If it takes 40 hours to sell it, it is still worth it. Return on Investment.

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Casual Drifter 27/09/2021 - 3:31 Sáng

Try caravans Ryan!

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thejusticejen 27/09/2021 - 3:31 Sáng

Yes I like the “inflow” term better than “income” which felt inaccurate from an accounting standpoint. Inflow can encompass any transfer of funds from savings. I like it, your new method cuts down all the double counting and inflation of the savings percentages. Hope to see this more accurate methodology on the next set of books!

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Grisel Lopez 27/09/2021 - 3:31 Sáng

What if she paid it off now, so when she sells it she already has the title on hand regardless of what she sells it for? 🤔

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Trisha's Nail Inspo 27/09/2021 - 3:31 Sáng

I’m new to this channel today. Can someone tell me who Ryen is? She seems SOOO sweet and I wanna be friends. Lol

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