Chatty May Debt Update. How's the second half of 2024 looking?

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Chatty May Debt Update. How's the second half of 2024 looking?

Рет қаралды 1,442

Күн бұрын

Hi Friends! Lets do a debt update and see how were starting the second half of the year.
Welcome to my budgeting channel. I’m a 41 y/o mom of 4, wife, and nurse budgeting our way to becoming debt free! This channel will have videos of our real budget, debt payoffs, cash stuffings, and savings challenges!
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Connect with me:
Stefsonabudget@gmail.com
Stefsonabudget
PO Box 45242
Rio Rancho NM 87174
My Esty Shop: stefsonabudget...
IG: ...
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Supplies I Use:
Big Happy Planner
Expander Discs (from Happy Planner
Budget by Paycheck Workbook from TBM: shop.thebudget...
Gel Highlighters: amzn.to/4d0E8OV
Fine Liner Pens: amzn.to/4a28CgN
Click Pens: amzn.to/4aIYVou
Zipless Envelopes: amzn.to/4di6C6S
Calculator: amzn.to/3UoLmom
Floral A5b binder: amzn.to/44b8utU
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Zip Envelopes: amzn.to/49GBniM
Perm markers: amzn.to/3y6PAIC
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Disclaimer: I’m not a financial advisor. This channel showcases our personal journey to financial peace 💛💜
#budget #budgetwithme #cashstuffing #debtfreejourney #thebudgetmom #sinkingfunds #savingschallenges #budgetcommunity #debtfreecommunity #cashenvelopes #happymail #savings #budgetbypaycheck #budgetbypaycheck #zerobasedbudget #mondayminisavings #savings #savingmoney #savingschallenge #cashenvelopesystem #cashenvelopestuffing #debtfree #budgeting #mondayminis #mondayminissavings #savewithme #debtfree #debtfreedom

Пікірлер: 74

@sml1557 2 ай бұрын

Don’t be so hard on yourself, stuff happens. I literally just changed my W4 for work this morning. I take an extra 350 each paycheck which is 700.00 a month for me. I didn’t want to owe which luckily these last 2 years we’ve gotten money back. For the next 2 months I removed the 350 a paycheck to hopefully get some extra money so I can put towards debt. Love your channel. Started following you a couple of months ago and always look forward to watching your videos.

@SimplySaraSaves 2 ай бұрын

We’re all gonna have our ups and downs. This is the way it goes. You sharing with us is a transparency that makes us feel, less alone. If all we see if positive we might not realize we’re not the only one ❤❤ it’s why I appreciate you.

@stefsonabudget 2 ай бұрын

So true Sara. Thank you for your thoughts. It hard to share the failures, bumps in the road, but I agree it’s just as important. Shows we can still be successful even with setbacks right? 🥰❤️💕

@SimplySaraSaves 2 ай бұрын

@@stefsonabudget absolutely!!! 💯

@Savewithwendy 2 ай бұрын

Our oven went out the week of Thanksgiving. We absolutely needed an oven so you know you do what you have to.

@stefsonabudget 2 ай бұрын

Ours started acting up on Christmas. Omg I was in a panic trying to put a turkey in with no oven. Luckily the hubs was able to reset it and it worked for a few more days 😭🤣

@anabudgets_ 2 ай бұрын

Hi Stef! Here watching/listening while folding laundry! Wow!!! One debt gone!😮 you’re doing great!!!❤🎉

@rachelsmith6194 2 ай бұрын

Yes! We've paid off small things, done better at spending after we have saved (well, I have!). I don't have the list anymore, but I know it was several medial payments and little cards. It's so nice not tracking those!

@stefsonabudget 2 ай бұрын

Yes 👏🏻 sometimes it’s easy to forget how far we’ve come when we’re still in the middle of it 🥰🌸❤️

@jessiefaw9127 2 ай бұрын

Yay for paying off your next card!! I appreciate the transparency, unfortunately life happens and even though there's a backslide, it's definitely a helpful teaching moment. Way to go!

@stefsonabudget 2 ай бұрын

Thank you my friend! It’s always hard to share but it’s nice knowing we aren’t alone when that happens 🥰❤️🌸

@BudgetWithMrsP 2 ай бұрын

I see that there were several of us on this journey that got slammed by extra tax bills this year. I have no idea why except maybe the bonuses we got last year… it sucks but I know you are relieved to have been already chugging away at debt so you know how to adjust and make it all work. Great job on the debt payoff so far this year, you’re doing fabulous! ❤

@stefsonabudget 2 ай бұрын

Thank you Mrs P! We definitely need to get our withholdings figured out because I definitely don’t want to be in the same boat next year 😭. Why can’t they just tell us exactly what we need to withhold 🤦🏼‍♀️🤣

@thedramaticpanda 2 ай бұрын

I budget like this as well because it’s easier for me than to “rollover” and close out the month

@stefsonabudget 2 ай бұрын

Yes! Month to month just never works for me 🌸❤️

@c.parker8439 2 ай бұрын

If you choose to keep the same withholding, just start a tax fund. I prefer to have all the money. So, I save to repay it. It's been working. Good luck

@BeccaBudgets777 2 ай бұрын

You did great and explaining yourself, my friend! You guys are killing it and paying off debt! That has got to feel really really good.🎉🎉.

@stefsonabudget 2 ай бұрын

Thank you Becca! 🥰🌸❤️

@thekraftbin 2 ай бұрын

life happens. you're doing a great job on debt. just keep that focus.

@stefsonabudget 2 ай бұрын

Thank you Dawn! 🥰🌸❤️

@LivingLifeInTexas1836 2 ай бұрын

Woohoo!!!! 🎉 you got one debt paid off… that’s a win. As for the new debt, think about once you finish this process and no longer have to use credit to buy things like a stove!!! There is absolutely no judgement here… I also may have to add some debt due to dental issues. 🤷🏻‍♀️ Life happens, we will all get to our end goal. One step at a time! 💜

@stefsonabudget 2 ай бұрын

Thank you! Ugh dental insurance isn’t very good is it? My kiddo just got braces to the tune of over 3k out of pocket. Thank goodness for HSA 😭.

@Lifeoverdebt 2 ай бұрын

Hey bestie! Taxes suck especially when you have to give the government even more money than you already do. 🤬 You guys are doing fantastic with your debt payoff, it makes me so excited for you to watch those numbers go down and those accounts PIF! Those unexpected expenses always sneak up on you. You know what you gotta do in that situation? PIVOT! 😅😅 I cannot wait to do my update at the end of the month! Love you 🥰

@stefsonabudget 2 ай бұрын

PIVOT! 🤣 I never realized debt payoff would be so tedious. Just gotta keep plugging away over here. I’m excited to see how your next check in goes. You guys have working so hard! Here’s to the next half of the year that we crush right! 🎉👏🏻🍻 love ya 🌸💕💜

@Globudgets 2 ай бұрын

Hi Stef 💖 Your killing it my friend 🙌 I’ve had set backs too and yes , you have to keep going and not get discouraged. Life happens and what’s important is not giving up . Congratulations on paying off that Discover card yay!!! 🥳🥳 Sooo happy for you friend 🙌🤗

@stefsonabudget 2 ай бұрын

Thank you Glo! Who knew debt payoff could be so challenging right. You just think “I’ll make the payments”. We’re getting there though little by little. Thanks for always supporting my friend! 🌸💕❤️🥰

@Bydgetbycamilla 2 ай бұрын

Awsome!! After watching lots of your videos. I decided that i really need that budget book. So today I orderd the digital book. 😊

@stefsonabudget 2 ай бұрын

Yay! You won’t regret it. I absolutely love the budget mom method and would recommend it to anyone 🎉👏🏻🥰❤️

@mlynn1124 2 ай бұрын

We had a huge tax payment this year too that was completely unexpected! Congratulations on getting discover gone! ❤

@stefsonabudget 2 ай бұрын

Oh no! It sucks when you’re not expecting owing so much. But we’ll get it paid eventually! 👏🏻🌸❤️

@chikadee-3 2 ай бұрын

Way to go! You're doing great! Your budgeting videos are so helpful! 💜

@stefsonabudget 2 ай бұрын

Thank you so much! 🥰😍❤️

@Mjbee1 2 ай бұрын

You’re doing great on debt payoff!!!

@stefsonabudget 2 ай бұрын

Thank you! 🌸💕

@Chatty-KathyBudgets 2 ай бұрын

💜💜💜 You are doing phenomenal my friend 😊. Life happens and sometimes you have to add some debt. Totally fine because you have a plan and you’re working towards paying it off. I totally would have put taxes on a CC too because owing money to the IRS seems super scary 😂💜💜💜

@stefsonabudget 2 ай бұрын

Thank you Kathy! It’s definitely not ideal but we just keep trucking forward right! 👏🏻🌸❤️

@Thefaithfuldash 2 ай бұрын

Omg Stef! You’re doing a fantastic job on that debt! $9000 since January is amazing!!🎉 Life happens and we just have to roll with the punches, and you have a plan in place which helps a lot! Don’t be so hard on yourself💛

@stefsonabudget 2 ай бұрын

Thank you Caryn! I was pleasantly surprised when I looked back at Januarys numbers. I’m hoping we keep good momentum the second half of the year! 🥰🌸💕💜

@budgetsaveshare6313 2 ай бұрын

That's amazing! 👏🏿 You're making great progress!!!

@stefsonabudget 2 ай бұрын

Thank you! ❤️🌸🥰

@lolethawoods786 2 ай бұрын

You doing great with paying off your debt!🎉

@stefsonabudget 2 ай бұрын

Thank you so much! ❤️🌸🥰

@MarianaSantos-ip2nx 2 ай бұрын

Congratulations girl! Keep on going 🫶

@stefsonabudget 2 ай бұрын

Thank you! 🌸❤️🥰

@MairMondo 2 ай бұрын

Great work on paying down your debt.

@stefsonabudget 2 ай бұрын

Thank you! ❤️🌸🥰

@HeatherMac77 2 ай бұрын

Great video so inspiring! You guys are killing it!

@stefsonabudget 2 ай бұрын

Thank you so much! 🥰🌸❤️

@moneywithjustliving5258 2 ай бұрын

Good Morning, love the chat. Great update, keep going strong.

@stefsonabudget 2 ай бұрын

Thank you! ❤️🌸🥰

@stephaniemartinez7233 2 ай бұрын

Awesome! Such an inspiration!

@stefsonabudget 2 ай бұрын

Thank you Steph! 🥰🌸❤️

@BudgetsWithELMA 2 ай бұрын

Wonderful debt update 🎉👍🎉🤑

@stefsonabudget 2 ай бұрын

Thank you Elma! 🌸💕

@budgetingbydeenaus 2 ай бұрын

Great job with paying off your debt 😊❤

@stefsonabudget 2 ай бұрын

Thank you Deena! ❤️🌸🥰

@glendaadams730 2 ай бұрын

Great job on the debt pay ❤❤❤. I am still trying to pay off my cards. The interest is a killer

@stefsonabudget 2 ай бұрын

I agree. Credit card interest especially these past few years is killer.

@mrssummersbudgets 2 ай бұрын

Hi Stef, you guys are doing amazing! Life keeps coming, we gotta make the best decisions we can at the time and keep working towards financial freedom. Remembering where we started is a great to keep u motivated!

@stefsonabudget 2 ай бұрын

So true Steph! It’s not always moving the way we want and it’s nice knowing we’re not alone when that happens 🌸💕❤️

@mrssummersbudgets 2 ай бұрын

omg, i had to do that w2 form to change my witholding this year, it was so hard ! i ended up just changing mine to withhold an extra $ amount and leaving the "calculation" alone lol

@stefsonabudget 2 ай бұрын

Yes! Like why is that soooo hard 😭😭