Thank you K .. I can’t thank you enough.. you have given me the strength to save up without shame and now I am able to get my foot in the door in this crazy house market in DMV area .. which was just a dream all this year but now reality and all thanks to your constant talk of being smart frugal.. I did 80% of what u have been preaching :) I am now starting new home and will have to crunch more n budget 😊 ..

You said in your video that you paid off your car loan. I wanted to share with you that my husband and I paid off his car today!!! I could not have done it without you being a constant cheerleader, Kate. I love to hear you say “Happy Frugal Friday”! We have a little less than $5,000 in consumer debt, and by the end of July, we will be consumer debt free!!! Then, we will focus on the mortgage, so it is paid off when we retire. Thanks so much for your weekly videos! They keep me on track! I am very sorry about your cat. Have a great weekend in your beautiful state, which we visited las summer.

Budget time! Love the quarter concept. My beloved husband died in March after a brief illness and I have been dealing with grief, bills and taking over our finances. The last time I did this was before online banking and he liked doing that so he took on the job. It’s a learning curve but it helps me focus on the future. I’m 68, I have MS and I want to be there for my family, so I have to make good decisions where to spend and save. My goals this quarter are to pay off the car loan and be debt free and to get back into my physio exercises to regain lost ground (- the stress last quarter set me back with the MS).

Inspiring 💕 sounds like you are living an abundant life with contentment Kate! Focused on what really matters 🌷🌱🌻. Thank you Kate 🙏🇨🇦.

Great job Kate. My budget is 67% investments, 26% household, and 7% fun! My goal is FI in 2029 so that’s why it is what it is!

Fantastic video!! Appreciate your vulnerability!!!❤

Perfect timing! Just love a new Quarter. Excited to make plans. Even a tiny step is progress. I watch every line in my paper statements, alert for trends or changes or danger signals. Ever vigilant. Little improvements, bit by bit, habit by habit, taking action, always learning, moving forward, with a weekly dose of our wonderful Kate!

I would just like to remind people who are struggling that when it comes to "giving," you shouldn't feel guilty if you can't. Sometimes keeping yourself financially safe is the best "gift" you can give others.

Hi Kate 👋 from Adelaide 🇦🇺 Australia! Thank you so much for sharing your percentages & I don't think any of your followers would criticise u for being real & honest! I don't know my %'s as I have it all written out in a paper book along with tracking every dollar I spend. I did no spend January & I'm still on it 😂 Planning a break in June as so many birthdays. My "fun category" is also very low as I'm on disability, so a fixed low income and it's more "fun to me" to know I have savings for whatever the future may bring. 💜

Budget time! Feb and March were crazy spending months. I have some goals and I am ready for the 12 week year. Hugs to Kaden.

I have been doing a low spend first quarter. Inspired to do a no spend 2nd quarter.

Hi Kate 👋 from Melbourne Australia 🇦🇺 (It’s great to see some fellow Aussies commenting here). I’m a newbie to budgeting and I’m loving your channel!

So excited for this 12 week year!!!!! Working out budget and goals this weekend. Here I come April. Going to try a no spend month, and stick to it this time

You are wonderful. Thank you for keeping things real. It really helps me get my head around my own budgeting work. I’m new to all this.

Kate, first let me say, I'm so sorry to hear of Mr. Hanem's(Spelling?)passing. sendings hugs. And secondly, thank you for talking about the extra paycheck. I try to explain this to people all the time because I always use this practice. I was able to pay an extra $650 on my car payment because of it! Maybe a future video on it?

Thank you Kate, for sharing your percentages! There is no shame to be had in them! Rockstar!

Because I have a “fixed income aka social security”. I know in advance what I have to work with. In Dec I set my budget for the next year. I print out my categories on paper and fill in the amounts. I set my “bill book “ quarterly and if need be I can adjust numbers as I get to each month. I don’t understand how some people can go through life not knowing what’s coming in and what’s going out. On my income of $1289. a month, budgeting is a must!

Sunday replay 😊 You got me looking at my percentages on Friday 😂 Your retirement... sounds like you've saved $7000 in the first quarter, if I've heard that correctly that's brilliant Kate 👏 Savings pot is that separate or just a different name for your budget buffer? I call it different things sometimes like all the names we call our cats 😹 January KZfaq highest & 3rd extra paycheck 👏😎 Do you have your own percentages you're aiming for? I recall you saying before that you didn't reaIly focus on percentages. I like hearing your real life progress whilst understanding you sharing at your comfort level 😊 Mr Hanum 😻 This video gave me an idea 😂 You know how you do reading an article for tips, the idea to look at other percentages for tips like Mr Money Moustache, David Bach or others you like!. Active budgeter 🙌

Good morning and Happy Friday 😊 😃 😀 Without an alarm set, I slept in and missed your video. It was great and I know what I'll be doing in my few hours off from my regular job. Thanks so much for the reminder to re-evaluate the budget and spending!!!!

First time I did percentages, interesting. Giving 7.8. IRA/savings 7.93 Life 79.07. Spending/fun 3.9

So sorry to hear about Mr. Hanem, Kate. Best wishes to your family in this difficult time. Thanks for all you do!

BUDGET TIME!! I retired last Monday. My husband is still working. We sat down to do 50/30/20. It worked well on paper🎉 Im sorry about your sweet baby cat❤❤

Agree on the saving pot !! We did make a separate pot at the bank for sons college it’s almost over 🎉lol.

Budget time 🎉

You are killing it with savings! Woohoo! Your budget works for you - thanks for sharing.

Happy Frugal Friday, KSquad! I am super excited for the new quarter. We have been over budget the last 2 months. It’s so frustrating. I can’t seem to get the bleeding to stop. Everything broke, got sick or needed replacing. Ugh! Turning the page and hoping for better results!!! Happy Easter and may God Bless you all! 🙏❤️

Happy, frugal Friday, Kate! Awesome breakdown of your budgeting! It’s inspiring, you gave me ideas of what I can do with my own budget! Enjoy the rest of this, Good Friday! And have an awesome Easter! :-) 💥 BOOM!

I’m actually relieved to throw away the past 12 weeks and start NEW, “refreshed”. Am I succeeding? Yeah. But I’m also experiencing burnout. Tired of being “broke”: work/home/feed the animals/let dogs in and out. My drive/work time is 4 am to 4 pm; time I’m up, drive, work, drive home, back in the door. I have no extra time to work a side hustle, workout, a second job. I’m exhausted. While it sounds like I’m complaining-I am not. I just can’t find the secret past this vicious circle. Every year the exact same. Any video to be made on this? Add single (or when in a dead/roommate situation and not on the same page financially) it’s a real challenge. No slam on exes. But does anyone get me?

Great job. That’s awesome about your January. Our KZfaq revenue has been up a little bit too. 😉. Our last magic month was November so we won’t get another one until May. lol

I am sorry to hear about your cat. I started crying. Big hugs to you and Kaden. I have been watching for a long time.

Hello from Brisbane, Australia.

Budget time!! Setting up my budget for April (with a long glance at the quarter as a whole). Joined the book club and started to read the book. I am keeping my goals simple (2 financial and 1 health). I tried a couple of the budget apps but none fit me and how I budget so I use an excel sheet (I’m old school 👵). I do have a sinking fund that I start at the beginning of each year. I have a detailed list of all items, dates and amounts listed for the sinking fund but keep all funds in one separate account. I also have an account for my variable expenses, such as food, non-food household items (toilet paper, laundry soap, etc.) and this account also includes funds for dining out or events. All my regular fixed bills are all held in the main account.

December was my biggest month ever. No spend Jan was a cinch, even though I gave every extra penny to my mom.

Budget revision time. My husband is on medical leave and his paycheque is about to drop to 60% of normal. I am absolutely stressed out but your 4 zones make so much sense. I’m going to use those! ❤

Budget time! I really need to reign in my giving - I tend to want to give more in the way of auctions and FB groups 😞 I love being able to give, but when I don't have the money, it really doesn't help me at all. I have been watching your playlists and getting a little additional inspiration. I am in for the next 12-week year - so excited!!

We just got an extra paycheck in March. Dh & I are on the same pay weeks so it’s always like a “bonus.”

Thank you Kate for all your videos. You are keeping me motivated to continue being my best frugal self. I'm catching up on all your videos since finding you 2 months ago. 🎉❤😊

Loves that you shared this!!!

Im working on getting down to 2 Suitcases like youtuber Timothy War and finding I need to buy a lot less than I thought

Kaden and Kate ❤❤❤😮😮😮😊😊😊

My April budget is DONE!!!😊

Thanks for sharing, Kate. I watched this video while looking at my April budget and getting things squared away after paying bills this month. I'm around the 30-35% to savings rate too, and adding an extra 1/3 principal payment to our mortgage every month if possible.

I love EveryDollar!! I write down my budget for each paycheck and track in everydollar.

Love this ❤❤❤

Thank you very much!! A lot of useful info!!

Budget time! ❤🎉

Thank you for sharing Kate. You are my absolutely favorite KZfaq channel.

Love this video

Happy frugal Friday!!

Budget time!!! Lets GO!!

Great job, Kate!!

Hi Kate! Thanks for another great video. Budget time! Happy spring!

Thanks for sharing Kate this was great ❤

Something new I’m trying in the new year (next 12 weeks): pay everything bi-weekly. Bills like water/trash that are quarterly: bi-weekly. I’ve cut out all the extras but still struggle. Example: Sirius $8.99/month. Apple Music 19.99/month. Radio is FREE. But my “rich life” (Ramit Sethi) is music and coffee. Ability to instantly listen to any new music without purchase if cd/vinyl. But that’s $360/year. And I honestly cannot afford it. At $25/hour pay-I can’t afford it? I’m sucking at this budgeting.

Nice video!

Thank you for your channel ❤

❤🎉 Love the transparency Kate!! Ah-mazing!!!

Budget time yes yes ❤❤❤

Budget time!!! Ready for a fresh start!!!

Thanks Kate, budget time❤

Budget son's 18th Birthday. High school graduation, weekend get away. Father's day and Mother's day. Whew it's going to be a lot.

Budget Time!!! I’m old school so I do pen and paper for my budget.

Thank you so much for doing this video. It’s definitely something that’s helpful for me. I hope you and Kaden have a great Easter weekend.

Oh yes working on budget today!

You are amazing Kate 😊

loved the 12 week year challenge!!!!!!!!!!

Thanks Kate, I save but haven't figured % of each area in our lives. Will have to do plus I plan on starting over 12 Week Plan & no tragedies in my life this time I plan on finishing it. Luckily we will be blessed with a new granddaughter any day now. ❤❤

Budget Time😊 working on April budget today.

Budget time! Very encouraging video. Can't wait to get started..again.

Budget time!!! This is a good one Kate. Time to take another look.😊❤

Budget time! This video was fascinating, will do my calculations to see what my percentages look like. Thanks Kate!

Loved this video! I can't wait to check my percentages!

Thank you Kate! You are one of the best institutions I know. ❤

Hi Kate 👋 from Queensland Australia 🇦🇺

Love the quarterly plan list definitely helps to pre plan

Budget Time!

I'm excited about the next 12 weeks. I'll be laying out my plan this weekend. I learned so much in the past 12 week year. This one will be a little more realistic.

Good morning Kate, from Summerfield,Fl

Thanks for explaining why to contribute to Roth early in the year. So smart but I've never thought of that.

For me, in practice, it may matter percentages on a monthly basis but really, for me, its the annual percentages that matter the most Some people get variable pay so it can’t be even each month, like some companies pay out performance bonuses in a specific month.

Was sick last sunday and missed the WAM but was glad to know we are doing it again. Got 100%on 3 hoals 0 on the a eight losd. Oh well. Kitchen remodel here i come for next 12 weeks

Budget time!!!

BUDGET TIME🎉

Sorry, had an appointment, this weekend the clock change in to summertime here so next week i can be joining frugal friday. I still have the eyes on the price😉

My goals is paying my yearly bills off as im fed up of paying out every month in the uk we have council tax water rates tv licence which u can and most pay monthly but I find I have hardly any money left after paying bills so I decided to try to get rid of them im getting there slowly nearly paid the one off already x

I got my budget goals set up- and now i am trying to think how i can make $80 work for a week

you are great

Budget Time🎉🎉🎉🎉🎉

Budget Time 👍🏻🌞

Budget. Car (sell/down size or pay off) & 1/2 farm house clean out (dumpster rental).

How do you figure the percentages on your budget

BUDGET TIME!

Budget time!

Budget Time - April's budget done

I just ordered the book. Since this is a spend month.

Have you used thee 12 week planner that the book talks about? I really enjoyed hearing your budget percentages and compared some to mine and helped me understand more on my budget and spending.

I just got my 12 week year from the library so I'm a little behind though.

Every quarter is like Christmas because you get to know your net worth 🎉🎉🎉🎉

Budget time! It’s time for me to get back into this! Just curious, do you use the free version of Dave Ramsey Every Dollar or the paid version?

I’m very Sorry 😞 for your kitty who passed away ❤