Budget With Me | Dave Ramsey's Zero Based Budget

Budget With Me | Dave Ramsey's Zero Based Budget | How to Budget on a Low Income

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Күн бұрын

Budget With Me | Dave Ramsey's Zero Based Budget | How to Budget on a Low Income
Thank you guys so much for watching today’s video!
Today I’m going to show you how I budget for my family. We use the Dave Ramsey Zero Based Budget Method and this will show you how we do it. Our family is also on a lower income so this budget will show you what it looks like for a family of 4 on a $30,000/year Net Income. I hope you enjoy this video!
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#budgeting #daveramsey #athomewithtori

Пікірлер: 198

@blondiebee7500 4 жыл бұрын

Budgeting starts at 7:56 ish :)

@sesil0060 4 жыл бұрын

Mvp

@crystal3088 4 жыл бұрын

Blondie Bee thank you! DID NOT want to hear her talk about her planner.

@vivianacatalan6853 4 жыл бұрын

Thank you so much! I’m here for the budgeting tips. I could care less about the planner.

@pjriddell 4 жыл бұрын

God bless you! :D

@oliviat9498 3 жыл бұрын

Thank you!

@crystalarchuleta7659 4 жыл бұрын

I’m new to budgeting and have found it so frustrating. This is the first one I’ve seen that makes sense to me. It’s feb 2020 now and I started The baby steps in Jan 2020 and have saved my 1000$ and paid off a personal loan of 2,700. Single mom and working OT. No eating out and that has made a world of difference.

@lookforward2life 4 жыл бұрын

How’s it going? We are just starting.

@BabyandLittleGuy 4 жыл бұрын

Crystal, you are AWESOME!! Keep going, and sharing your successes. Maybe you'll want to do a KZfaq video one day?

@fourdayhomestead2839 4 жыл бұрын

Congratulations! Hope all is still going well. I started in March by changing to a better paying job & saving everything above my previous jobs income. Paid off outstanding debt (mortgage & house updating ongoing expense).…

@Twinmomma1207 3 жыл бұрын

I applaud you! I'm in the same boat . It's easier now that i don't have to worry about someone else's needs who brings in $0 income.

@decadan941 3 жыл бұрын

I get wanting to give and be generous but when you have debt and a low income already I think it would be alright to not give until you are in a better financial spot in your life. $250 a month could go a long way in paying off debt.... just my opinion.

@MeAVE243 Жыл бұрын

Or just a little less, even.

@theresamoore3951 4 жыл бұрын

Never ever been a planner. This year I'm making some BIG CHANGES. Your video was great for me and you have the best detailed planner that I've seen. Budgeting and saving for 2020!!

@leebalik7537 4 жыл бұрын

Gahhh I wanted to stop her and tell her she only put $38 instead of $380! 😂😂

@mathildaandmike 4 жыл бұрын

this is an amazing option for people who don't want to use an app! Thank you Tori

@April-vr3gr 4 жыл бұрын

I use the HP budget extension pack too and was so happy to see your video pop up. Please do more.

@Cgaraguso 5 жыл бұрын

girl i was so excited about this! when it posted this morning i couldn't watch yet so i added it to my watch later and just got done watching!! great budget! definitely stealing this for my home haha

@AtHomeWithTori 5 жыл бұрын

Yay! Thank you! I'm glad you liked it 😁💜

@RickMartinYouTube 4 жыл бұрын

With all the cell phones and ipads, I still love having a handwritten planner/calender. Thanks for sharing your techniques. ps there's an ASMR quality to your videos.

@RickMartinYouTube 4 жыл бұрын

I don't follow Dave Ramsey, but tithing when you have debt seems inappropriate. Tithing when you have ample income seems appropriate. Pay off debt before you tithe.

@ThePetersFamily 5 жыл бұрын

So nice to see fellow Ramsey fans! We have been following his plan for a few years now, and it has been amazing and life changing 😊

@AtHomeWithTori 5 жыл бұрын

It really is eye opening when you sit down and figure out where all your money is going! I'm so glad we started FPU!

@jessicafigueroa2684 2 жыл бұрын

I tithe at church to and thought about it the other day so I'm glad you mentioned this.

@cruzramos2007 4 жыл бұрын

read his book and it really helped me get out of debt and to have money in an emergency fund and a savings.wanting to retire i will start budgeting more this 2020 year. Thanks

@crystalbrook5899 5 жыл бұрын

Love this! And fuel is for diesels.

@justheather4144 4 жыл бұрын

Yes! I had to do a double take @ $180 because I only drive & pay $30-40/mon in a lg city. But, I use gas & a Toyota RAV4 🤷‍♀️

@faithlamariposita8931 4 жыл бұрын

Thanks loved your idea on budget for these sheets

@roxannegalvan671 3 жыл бұрын

Thank you for the good ideas for a planner.

@Yourgirl_Aves 5 жыл бұрын

I need to start budgeting so badly!

@katrinacole6741 4 жыл бұрын

Just found you and I can't wait to explore your channel!

@rachelcreeden9838 4 жыл бұрын

Instead of crossing out the ones you don't use, put white out and write what you want there instead 😊 seems like it'd work better and look nicer! ❤️ Loved the video!

@AtHomeWithTori 4 жыл бұрын

I agree! lol . At the time I filmed this video I didn't have any white out. Thankfully, now I have a plethora!

@ReginaCordoba 3 жыл бұрын

New subscriber! Thanks for sharing!

@BudgetsWithELMA Жыл бұрын

Great video ❤

@antoinettesmith3935 4 жыл бұрын

I loved this video It was so helpful please do more

@AtHomeWithTori 4 жыл бұрын

I have many more! 😁

@aaromeg 4 жыл бұрын

Fuel can be for people that live in cold weather zones. We pay for fuel for the boilers.

@AtHomeWithTori 4 жыл бұрын

Ahh! That makes sense! Thanks for sharing! 😁

@kemhesler 4 жыл бұрын

I am going to go look at Michael's planners now lol thanks

@sesil0060 4 жыл бұрын

I have a hard time seeing this video with so few debt repayments and 250 for church

@AHStanley94 4 жыл бұрын

sesil 00 agreed. Not knocking anyone’s religion, but it blows my mind that people can give away so much money when they owe debt.

@britneycalderon5497 3 жыл бұрын

I agree :( not sure if it’s mandatory for her church (some churches make it mandatory which is wrong) but even then, in the Bible it says you give what you can! God would be happy even with $10. Oh well

@raineedayz 3 жыл бұрын

I think "church" must be a code word for something else..lol

@amandagalang1327 Жыл бұрын

I liked your video a lot because I’m starting my Dave Ramsey budget envelope system. I would love to see envelope stuffing for bills and what your saving for ☺️☺️

@MarkieandBlair 5 жыл бұрын

Love your Happy Planner! I need to get another one! $35 is low (and awesome) for a phone payment! I'm also a SAHM, and don't use near as much fuel as my husband. This was very informative! I am trying to learn how to budget as we are saving to build a home.

@AtHomeWithTori 5 жыл бұрын

Thank you! 💜 I linked a decently priced Happy Planner from Amazon in my description box if you want to check it out. I really like mine so far. Budgeting definitely helps you save for the big stuff! I'm thinking about doing a video explaining Sinking Funds. 😊

@MarkieandBlair 5 жыл бұрын

@@AtHomeWithTori I have no clue what Sinking Funds are.. 😳😅 So, I say, Definitely do a video over it!! Haha!

@lawg5480 5 жыл бұрын

Blair and Markie o

@PenniesNotPerfection 5 жыл бұрын

Love this!! Glad I found your channel. I'm a big Ramsey fan and planning fan. Great job with your budget!

@AtHomeWithTori 5 жыл бұрын

Thank you so much! 💜

@janetsusan8633 4 жыл бұрын

Awesome! You are a Smarty Pants! 👍🙂

@EmilyRyann 5 жыл бұрын

I really enjoyed this video! Super helpful and informative. Do you enjoy the happy planner or have you like another planner better?😊

@AtHomeWithTori 5 жыл бұрын

Thank you 💜 I do like it. I haven't had a chance to sit down and decorate it yet. I'm planning on doing another budget planning video soon though so maybe I can try to do that then!

@shantryce375 5 жыл бұрын

@@AtHomeWithTori well said

@LaurAluu 5 жыл бұрын

Thank you!

@MariselaCastillovwvianelly 5 жыл бұрын

I liked this. Something simple but not a lot of individuals know how to do it

@AtHomeWithTori 5 жыл бұрын

Thank you! 😊

@rsarahi14 5 жыл бұрын

Lol truth. Hence why I’m here lol

@maureenp7082 5 жыл бұрын

I had a Happy Planner, switched to Erin Condren and wish I hadn't. You can't take the pages out of EC planners. I will be switching back to the Happy Planners in the New Year. The coils get in the way which can be annoying. You can't add pages if you need them. You can if you order more, which is costly.

@AtHomeWithTori 5 жыл бұрын

Thank you so much for that insight! I wasn't sure if you could move around pages or not. I had seen that you can change covers so I thought maybe you could do the same with the pages. But I'm SO glad you explained that because you just saved me a TON of money! 💜

@waterswaters1705 4 жыл бұрын

Thank you for sharing. I was in the process of getting ready for 2020 year planner. I'm sticking to the mini happy planner.💖

@remynady 4 жыл бұрын

The gas is the Heat you pay in your home. Especially if you live up north. The Fuel is what goes into your car.

@rachelc.5463 4 жыл бұрын

Or it might be oil fuel for heating homes.

@remynady 4 жыл бұрын

Rachel C. That’s exactly what I said. That’s for rephrasing.

@missytemplet7242 2 жыл бұрын

Fuel is diesel and gas is gasoline

@budgetrebelgoals 5 жыл бұрын

Great video

@karenfranklin-1pzc976 4 жыл бұрын

If you pay registration for your car, you can change the fuel to that.

@IdeallyILCA 5 жыл бұрын

Thank You! xoxo IdeallyILCA😘

@JesusFreakJene 5 жыл бұрын

Thank you 😇

@shelleysamford3035 4 жыл бұрын

Thank you for showing Your budget on a low income. I have a low income and I can see that it can be done.

@NatePolmateer 3 жыл бұрын

Great video! We are a family of 12 but have a 120k annual budget.

@AtHomeWithTori 3 жыл бұрын

Thank you. Wow! That may seem like much bigger income than ours, but not for a family of 12! Great job sticking to a budget!

@yojs17_ 5 жыл бұрын

Thanks for sharing! Does your mortgage including property taxes and property insurance?

@AtHomeWithTori 5 жыл бұрын

Yes it does. 😁

@fowlerch22 4 жыл бұрын

I got mint for my niece, it was awesome when we had it.

@mybudgetjourney4873 5 жыл бұрын

Subscribed 😊

@AtHomeWithTori 5 жыл бұрын

Thank you!

@misswinnie4.8 2 жыл бұрын

I try to subscribe to all the budgeting videos that mention tithing to their church. ❣

@barbarahatfield9658 5 жыл бұрын

I like your planner where can i buy it . I live in Canada also liked the way you explained your budget

@AtHomeWithTori 5 жыл бұрын

This is an older planner I purchased from Michael's. Our Michael's didn't have a very good selection with the most recent Happy Planners. I know that they're also carried at JoAnns and Walmart. Hope you can find one! 😊

@curlenet 5 жыл бұрын

Barbara Hatfield I have seen happy planners at Walmart and I believe Staples, Michaels carries it as well.

@Nijilove78 5 жыл бұрын

HP could be taken to the next level if it used a thicker paper like EC esp since the papers can be removed

@AtHomeWithTori 5 жыл бұрын

I haven't tried any EC products as of yet, but I would agree that the HP paper could be thicker! I hate when I remove a paper and it rips 😩

@jessicaterry2594 4 жыл бұрын

I subscribed to your channel because you Tithe, I do also and I appreciate you putting God first in your finances 💙

@AtHomeWithTori 4 жыл бұрын

Thank you!💜 I appreciate that. It's very hard to keep God the center in the world we live in! You wouldn't believe the number of people that tell me I'm crazy for tithing.

@sesil0060 4 жыл бұрын

I have to admit it was hard for me to see 250 going to the church and so little on debt and no retirement fund

@AtHomeWithTori 4 жыл бұрын

@@sesil0060 you should watch my newer videos 😊

@rhondawilliams4035 Жыл бұрын

I been trying to budgeting on a low income

@Miss.ShirleyVehicleConfessions 4 жыл бұрын

Can I use tabs in a binder

@elizabethadams5730 5 жыл бұрын

Grocery haul! How do you only spend $350 on groceries? Matt and I spend about $400 and that's really just on us since we buy Logan's formula online as oppose to the store. Matt is pretty frugal and we buy exactly what we need for the week (and that includes frozen pizza some nights because it's cheap) every week our fridge and pantry are still empty after buying groceries lol

@elizabethadams5730 5 жыл бұрын

Actually I just saw that you had a sams club video 🤣 we need to get a membership there 😬

@AtHomeWithTori 5 жыл бұрын

@@elizabethadams5730 It really is hard! I have to be really good at meal planning and sometimes I do have to steal from our Misc. Category if we go over. Sam's and Costco help with bulk food that last us a whole month. I've also started buying for frozen vegetables which is cheaper than fresh and still good for you! 😊

@yojs17_ 5 жыл бұрын

It takes practice to get your grocery budget down. I first start by meal planning. I first look in my fridge, freezer, and pantry and try to use whatever is in there first to plan meals. Then I look at the grocery sales pages. Then I meal plan. Then I make a list. When I first started this I would over spend because I would try to buy everything because it was on sale but then I figured that it didn't save me money and we would go over the budget. Now I just buy what we need. The first week of the month I spend the most and then as the weeks go buy I have less and less to buy. Its all about not wasting food. Now I freeze things before they go bad and then I use them in the future for meals.

@barbarahatfield9658 4 жыл бұрын

I want your bookstickers love your planner also . Where can ibuy it . I live in canada

@AtHomeWithTori 4 жыл бұрын

I'm not sure they make this one anymore. Happy planners are sold at Michael's and Hobby Lobby and even Walmart here in Texas. I'm not sure about Canada.

@dchofman7819 4 жыл бұрын

@@AtHomeWithTori I got mine at Walmart here in Canada.

@zencat55 5 жыл бұрын

wow. But what about long term savings like a 401K? I would also put by money to pay any health related bills your insurance doesn't pay because those add up very quickly. I broke my ankle and was off work for 3 months and had almost $4000 dollars left in debt after insurance paid. I was lucky I had enough to pay my rent and bills for 3 months but it wiped out my savings.

@craftyburk2326 5 жыл бұрын

wanted to tell you they put Gas and Fuel down for the Gas bill if you have one and then fuel for weekly gas for the car 😊

@AtHomeWithTori 5 жыл бұрын

I'm still confused I guess. lol. Is there a gas bill for cars? I ask because there is a section in the housing area for the gas bill for the house. Maybe like a credit card bill for gas or something?

@craftyburk2326 5 жыл бұрын

OK so when I say gas I mean like a gas stove instead of electrical or a gas furnace instead of electrical... as an energy bill "gas"

@AtHomeWithTori 5 жыл бұрын

@@craftyburk2326 right. We have that and there's a section under housing for that. So I'm still stumped for why they have it on there twice. 🤷

@Preservestlandry 4 жыл бұрын

@@craftyburk2326 it can't be for a gas stove, it is under the transportation category.

@littledarkcollege 4 жыл бұрын

10:08 ...ahh, wtf did I just see? haha. Are you plugged into that calculator somehow? lol

@rebeccalankford2652 4 жыл бұрын

STICKERS AND DECORATING?

@chryses005 5 жыл бұрын

Great that you are doing a budget and with a nice planner too :), but in my opinion, thite-ing at this stage with debt will only slow down your progress. Also allocating in maintenance when you have your emergency funds at $1000 is extra money you can pay off your debt, that’s an extra $372 towards credit card that you have. Other than that, keep at it!

@AtHomeWithTori 5 жыл бұрын

Thanks for your input. 😊 In our experience our faith is what sustains us more than our finances. There have been months where we were hundreds under our budget but God has always provided our needs and even our wants most of the time. We have always tithed no matter where we were financially and I don't see us stopping anytime soon. As for the maintenance, its more so for oil changes and yearly inspection and registration that I know will be coming up every year. If we had an issue with our cars it would come out of our emergency fund but I try not to touch it.

@dreamingofskyrim 5 жыл бұрын

@@AtHomeWithTori God does not help with your budget, because God doesnt exist lol and if you aren't including your student loans. This is not a budget!! Lol

@nikkismith8820 5 жыл бұрын

@@dreamingofskyrim It's interesting that even though you edited your comment, your grammar is still terrible. Besides that, you making a direct, yet subjective statement about there being no God, reveals your true arrogance and ignorance. Imagine you knew half of everything there is to know (which you don't, but let's pretend). Out of all the knowledge in the Universe, you had half of it. Is it possible for God to exist in the other half of knowledge you don't know? Of course, it is very possible. Maybe you aren't as knowledgeable as you think. Hippocrates, the Father of modern medicine once said, "The more I learn, the less I know." That's a profound statement that I would recommend you considering before deciding to share your opinion on something.

@cheesecakesmellsgood 4 жыл бұрын

Funny that you invest 3x less into your health insurance against your car insurance lol

@livinglifewithlivv 5 жыл бұрын

I have a question and anyone is free to answer! When budgeting isn't it not stable to be left at 0 dollars at the end of the month? Is there any amount of money that could be put into savings? I was just wondering because I'm a college student and I would hate something happen emergency wise and I have no money to pay... In general wouldn't you put all extra money into savings?? Thanks! Enjoyed your video!

@AtHomeWithTori 5 жыл бұрын

That's a really good question. I'm planning on making some follow up videos to this one but I've been sick this week. Yes, if you do not have debt then savings would be where you'd want to put any leftovers. At the time I made this we had reached our first baby step (Dave Ramsey lingo) which is saving up $1,000 emergency fund and we're working on baby step 2 which is paying off debt. If people are interested I can definitely do a video explaining this in more detail! 😊

@chryses005 5 жыл бұрын

There’s a baby step that Dave Ramsey devised and when you are in Debt, first thing you do (Baby Step 1) is have an emergency fund at $1000. Baby Step 2 is pay off your debt. Step 3 is a full funded emergency funds, step 4 is where you allocate some of your income to saving and then 5,6,7 so you live like no one else and give like no one else :). You are not left with $0 because when you have an emergency, you have the $1000 to back you up. If that makes sense.

@rheagoen3679 5 жыл бұрын

LivingLifeWithLiv make a cushion. U could budget a cushion amt say 50 dollars and it will always be there for any mistakes. Plus after a while it will build up like a savings for something else later. Pretty neat really!!!

@largeroomnolight 4 жыл бұрын

LivingLifeWithLiv It’s best to include savings in your zero budget calculations. Even Dave Ramsey’s Every Dollar app includes both tithing and saving and it’s a free budgeting app. I pray for the best for you. If you have student loans get rid of them as fast as you can. Interest from credit card debt and student loans is just pure evil. They will steal your life if you don’t get rid of them as soon as possible. Good luck and many blessings.

@nickiwilson4931 4 жыл бұрын

Can I ask where you get your car insurance for that cost u mentioned?

@AtHomeWithTori 4 жыл бұрын

At the time this was filmed we had AAA.😊

@onwa.beauty 4 жыл бұрын

what about savings?? you did not add anything to your emergency fund unless you are counting sinking funds

@elizabethchamberlain6893 4 жыл бұрын

BuddhasNButterflies With Dave Ramsey’s plan you don’t save money beyond the $1000 emergency fund. All of your extra money goes towards paying off debt. Once your debts are paid off, then you build a higher emergency fund of 3-6 months of expenses. Technically, the money set aside for dining out should have gone towards debt payments. But, you need to do what works for you; it might take a bit longer to become debt free.

@SharaMcBride 4 жыл бұрын

Gas is if you have city gas like for a stove, fuel is for your cars. 2 totally different things. I’m curious where you live I wish my bills were this cheap!

@AtHomeWithTori 4 жыл бұрын

The great state of Texas! 😁

@SharaMcBride 4 жыл бұрын

At Home With Tori I’m sure everywhere is cheaper than Florida 🤣 except parts of NY and CA and I have her Washington too.

@SharaMcBride 4 жыл бұрын

At Home With Tori my boss just moved here from Texas and I told him he was crazy for coming to FL😂

@AtHomeWithTori 4 жыл бұрын

@@SharaMcBride that's too funny! It really is so much cheaper than other places. Especially realty! And we don't have state taxes!

@SharaMcBride 4 жыл бұрын

At Home With Tori we don’t either but the prices make up for it because of all the tourists.

@bee3027 5 жыл бұрын

I am looking for a budget planner. There are so many out there but I want one that is useful, budget friendly, and enough space to write on to keep track of everything. Are you satisfied with the Happy Planner. Can you give me any feedback on this? Thank you.

@AtHomeWithTori 5 жыл бұрын

I really like the happy planners I've used. When I first started budgeting I just used a regular notebook and wrote everything out. Then I switched to a happy planner with the budget inserts and that worked well but then I found The Budget Mom's method of Paycheck to Paycheck budgeting and thats what I use now and LOVE! Here is a link to the printable version of the notebook I have. You would have to get it printed and binded (if you wanted). Or she will have a new one launching in October that will already be binded. shop.thebudgetmom.com/collections/popular/products/2019-budget-by-paycheck-workbook%E2%84%A2-digital-download

@SC-sf8xt 4 жыл бұрын

Watched 4 mins and it was about the book she uses........

@shantellkuik5682 4 жыл бұрын

Yea i keep fast forwarding

@joanmutesi5051 4 жыл бұрын

am bored too about the book

@CK_Fitness 3 жыл бұрын

What if your income fluctuates? Would you go off of a percentage?

@AtHomeWithTori 3 жыл бұрын

I have never had to deal with this particular situation. I believe what I would do is figure out what my absolute base income would be and make my initial budget around that. After receiving the income and knowing the exact amount for the pay period I would make adjustments as needed. You would never want to budget for more than what you might bring in though because then you might not have the money to cover all your expenses. I hope this helps answer your question.

@CK_Fitness 3 жыл бұрын

@@AtHomeWithTori yeah I just use percentages and know my minimum I need for fixed expenses such as rent and what I would typically spend on gas. Then I just adjust the percentages as needed if I’m saving up in a certain category. Works for me!

@ecofriendlyhippie 4 жыл бұрын

That’s a large amount of tithe compared to the income. Good on you guys!

@fourdayhomestead2839 4 жыл бұрын

10%. It's a good start.

@tessjack30 5 жыл бұрын

Is this just the inserts or the actual planner ? Trying to figure out the right one to get.

@AtHomeWithTori 5 жыл бұрын

It's just the inserts 😊

@alishamelton6654 4 жыл бұрын

I absolutely love how that you commented on the Tithes and Offerings!!!!!! Heavenly Father has made me a big believer and that's something that I would love to see added to planners especially created by christians!!!!!

@largeroomnolight 4 жыл бұрын

😳 Wow!! This is actually scary. To me student loans and debt are the devil and I would think that God would want me to get that out of my life first, But everyone has to do what works for them. 🚤

@brandigutierrez8636 4 жыл бұрын

I totally get why alot of us feel that way about tithing and plz forgive me if i offend anyone and this has nothing to do with this video but i have learned myself that God does not need our money because he is the creator of all, which means it all belongs to him anyways. But it teaches us that it is a blessing to give then recieve , and when it does go to a church, it is to keep the church running , like lights ect. for people to gather to get the word of God and fellowship and when we put others before ourselfs and have faith that God promised he will always provide and bless you abundantly. God is The Best!!!

@JamiesRealisticLife 2 жыл бұрын

Hi Tori. Just subscribe.

@laurensquires6324 3 жыл бұрын

The fuel is probably for diesel

@chianasanderson9634 4 жыл бұрын

How do you get internet so cheap?

@AtHomeWithTori 4 жыл бұрын

We shop around and look for the best deal. We also try to work out deals with out current provider when our promotional rate expires. It takes a lot of negotiation but it's worked for us for the last 5 years or so.

@chianasanderson9634 4 жыл бұрын

Thanks for the mintmobile referral. We're switching before the new year.

@stephaniebanda5219 4 жыл бұрын

Drinking game: Take a shot every time she says budget

@lavernewebb7308 4 жыл бұрын

lol

@frugalfrugal1307 4 жыл бұрын

That way the reflection of the ceiling fan will stop bothering me! 😂

@littledarkcollege 4 жыл бұрын

What about personal care? Going to a Sauna or Spa a couple times a month would only cost AUD $20 or so

@AtHomeWithTori 4 жыл бұрын

I do personal care at home. I've never been one to spend money on things like that so for me it's not necessary to budget. Plus, it's over $50 to get a massage here and around $25 at least to get a pedicure so it's just cheaper for me to do them at home. 😘

@littledarkcollege 4 жыл бұрын

@@AtHomeWithTori fair, makes sense. Thanks for the video :)

@rachelstark2391 4 жыл бұрын

Pocket $?

@Joshuarcade 3 жыл бұрын

If you have kids and receive a child tax benefit from gov't, would you consider that part of your income ? What about when it comes to tithing- just working income? I love this videos, so following!

@AtHomeWithTori 3 жыл бұрын

We look at all income as income and we will adjust our tithing and giving based on what we bring in. I know a lot of people base their giving on Net income, but we do ours off of Gross income. I believe it is a personal choice that everyone has to make for their family. 2 Corinthians 9:7 says, "Each person should do as he has decided in his heart-not reluctantly or out of necessity, for God loves a cheerful giver."

@AHStanley94 4 жыл бұрын

I mean it makes sense there is not a tithe spot, as not everyone is religious.

@AtHomeWithTori 4 жыл бұрын

True, but I personally think everyone should give 10% to something. A charity or something if you're not religious.

@AHStanley94 4 жыл бұрын

@@AtHomeWithTori personally I live paycheck to paycheck so I focus on my own family first. But I applaud people who can afford to give.

@AtHomeWithTori 4 жыл бұрын

@@AHStanley94 I totally get it. We have been there for most of our marriage. If you watch other videos of mine I talk about it a little more. We have always tithed to our church and other ministries that we support and have always been able to pay our bills and have food on the table. We may not have always had what we wanted, but always had what we needed. I truly believe that God has always provided for us in every situation.

@isabellgarcia137 2 жыл бұрын

I noticed no personal items were budgeted : soap, shampoo, toilet paper, etc.

@heatherthompson9424 2 жыл бұрын

Hey hunnie I know this is an old video but I just thought I'd let you know it may be worth putting a flash trigger warning in the title as the flashing on the heart due to the (I assume is a fan?) caused a seizure as I'm highly sensitive❤️

@melissa5844 4 жыл бұрын

You put 38.00 instead of 380.00

@Conspiraciesarereal3516 5 жыл бұрын

Got mint mobile thanks to you!

@AtHomeWithTori 5 жыл бұрын

Yay! That's great! I hope you enjoy it as much as we have! That phone bill makes a HUGE difference in the budget!

@rebeccalankford2652 4 жыл бұрын

GETTING MARRIED TO YOUNG OR REPAIRED. STAY HOME TILL FINISHED WITH COLLEGE TO REDUCED COLLEGE DEBT/LOANS, POSSESSION OF GAINFUL EMPLOYMENT AND YOU HAVE A DOWN PAYMENT IN CASH FOR A HOME. BUYING NEW CARS AND PROCREATION BEFORE PREPARED IS ALSO A STRESSOR AND BUDGET BLOWER IF NOT PREPARED. LIFE STYLE CHOICES ARE A PART OF BUDGETING. HEALTH IS WEALTH AS WELL AS INTERPERSONAL RELATIONSHIP AND SOFT SKILLS. KNOW THY SELF AND SELF MASTERY. HIERARCHY OF NEEDS, PRIORITIES AND GOALS.

@thepraefectus5328 4 жыл бұрын

What state do you live in ? Your mortgage is really cheap !

@AtHomeWithTori 4 жыл бұрын

The great state of Texas!! :)

@WujeckFrank 4 жыл бұрын

You are paying too much for the house. Should be less than 1/4 of your take home pay at $2500 would be around $625

@AtHomeWithTori 4 жыл бұрын

I agree but please tell me where that house is and I will sign up! 😂 Even the 2 bedroom apts here are over $800/month without utilities included.

@emomma1 4 жыл бұрын

Your mortgage should be less than 1/4 and her's probably is, but her total payment includes escrow which covers her annual taxes and insurance. She stated that in the video.

@pennymakeup1 4 жыл бұрын

My phone bill is 250/ month. I can’t imagine 35/ month. My internet is 200/month. Car insurance: 250/month. I feel violated. Wow.

@AtHomeWithTori 4 жыл бұрын

Ours have all been high at one point too. My advice is to shop around for the best deal and don't take no for an answer with things like internet! My husband is great at getting us good deals on internet! And Mint mobile is AWESOME! let me know if you're interested in switching and I can email you a link to save you even more! 😁

@pennymakeup1 4 жыл бұрын

At Home With Tori Yes I’m interested in looking it over! Thank you! We have a family of five, so that is one reason why my costs are bigger than yours, but i did some math, and between internet, phone, and insurance, I pay $515 more per month than you. Which is insanity! I enjoyed your video. I knew I needed to do something about a few of my bills but seeing your budget really made it hit home. Thank you!

@pennymakeup1 4 жыл бұрын

I enjoy Dave Ramsey too. I’ve read his book and have watched some of his channel here on KZfaq.

@frugalfrugal1307 4 жыл бұрын

The ceiling fan is killing me. Ugh.

@kasiaemiliaw5455 4 жыл бұрын

Easy to get a mortgage? Where is that!

@AtHomeWithTori 4 жыл бұрын

I didn't say it was easy to get a mortgage. I said that it was easy to find a house to buy for as much as it costs to rent here. Meaning, we looked at houses to rent before we bought our house and the cost to rent was higher than our mortgage payment would be.

@rebeccalankford2652 4 жыл бұрын

SO, OUT OF THAT BOOK YOU HAVE THREE WORK SHEETS AND A CALENDAR? THE REST IS DECORATION AND STICKERS. LOL CUBBYHOLES TO KEEP ORGANIZED. SWEET.

@livewithout5683 4 жыл бұрын

If you are doing Dave Rameys plan you do not see the inside of a restaurant unless you are working there. This is NOT a DR budget

@tiffanysheehan7934 2 жыл бұрын

Your mortgage is so low. Where do you live?

@alexandrahogg3362 4 жыл бұрын

I'm sorry but you're giving away 10% but not actually saving anything at all?

@AtHomeWithTori 4 жыл бұрын

At that current time, we were using the Dave Ramsey plan, we were on baby step 2 which is to attack debt. Baby step one is saving at least $1k in an emergency fund. We had already done this at the time, so no, we didn't put anything towards saving because we're working on paying off debt.

@financialresearch6711 4 жыл бұрын

Too much fluff in this video. More than half the video is irrelevant information and usually about the planner.

@AtHomeWithTori 4 жыл бұрын

Thanks for supporting my very FIRST budget video. 😊

@kayelove4645 4 жыл бұрын

I would have liked to see what you had to say, however the strobe effect of your ceiling fan makes this video inaccessible to people with photosensitive epilepsy, and possibly those with migraine.

@AtHomeWithTori 4 жыл бұрын

You can scroll past that part. It's only about 2 minutes long. Or you can check out any of my other current budgeting videos. I have quite a few.

@michaelaberry1276 3 жыл бұрын

So mostly planner review and flickery fan reflection. "Around here it's so easy to own a home"???

@AtHomeWithTori 3 жыл бұрын

What I was saying is that it is as cheap to buy a home as it is to rent. My brain doesn't always work when I'm writing at the same time. Also, this was my very first budgeting video so I wanted to show off what I would be using before I started the video. I didn't realize until editing that the fan was in the reflection of the planner. Thanks for stopping by my channel!

@michaelaberry1276 3 жыл бұрын

I'm sorry, I should stop commenting so late at night, that came out way harsher than I mean. That makes more sense (I'm used to a lot of money things being done by people who are out of touch. I've had to "anyone can buy a house if they could be bother" line too often). Someone had commented a time stamp so I was able to jump past the book bit if not interested (I use my computer for budget stuff). The fan wasn't too much of an issue just slightly distracting (I don't know how editing stuff works and if you could've put a box etc over it?

@AtHomeWithTori 3 жыл бұрын

@@michaelaberry1276 No worries 🙂 I agree, it's difficult watching some of the people on here when it comes to budgeting. My family has always been on a lower income scale because I stay home with our kids. The only reason we chose to buy instead of rent is because the rent was out of our price range ($1,000+/month) and we qualified for first time homebuyers and found a really good deal on a foreclosure that was in really good condition! Nowadays the houses here are WAY too expensive to be buying on a low income. It is crazy how much can change with the housing market in just 5 years!

@michaelaberry1276 3 жыл бұрын

Yeah we've been low income and now I'm just coming out of uni. Wish I could've taken advantage of some of the covid help my government has done but that ends next year

@summermoon4620 4 жыл бұрын

You are actually broke by end of the month

@AtHomeWithTori 3 жыл бұрын

No not broke, it's called a zero based budget because you tell ALL your money where to go.

@Robin-xd3nx 5 жыл бұрын

I'm sorry ! But you did way too much talking, before you got to the actual budgeting piece. You spent five minutes talking about a planner when you don't need a planner ,you can use an Excel sheet or a piece of paper to write down your bills/expenses.