Good idea but the total will probably be too high for most people to save at once

I think this is a much better idea. It would certainly be a lot less paperwork! Good idea.

It is easier, but a lot of us like coloring it is soothing. I told my DD the other day when she said" mom just move money over" & I said" years ago I lived paycheck to paycheck, by doing savings challenges & sinking funds I debt free & have more money than I ever thought possible. I like telling my $ where to go it's great🎉🎉❤❤

@@brendaproulx3052 I can see that. Coloring has a certain satisfaction to it and you visually see the progress.

This is better for those of us that have ADHD

I print several things like the shopping list from TBM in A5 and I like how they turn out. I do not downsize though. What I do: - Open the PDF file in Adobe Acrobat Reader - Select print - Choose multiple - It should say 2x1 in pages per sheet (that's for an A4 sheet) You might need to adjust orientarion I've got the german version of Adobe, so it might not be exactly the same in a version in another language.

You can scale to 68% and cut it down. Worked for me

No doubt being financially free and not having to worry much about housing crisis, health care and other expenses cannot be overemphasized, making smart plans and setting up diversified investment portfolios is quite essential.

the problem is that most don't have the knowledge needed to succeed in a challenging market. Only highly qualified professionals who had to experience the 2008 financial crisis could hope to earn a high salary in these challenging conditions.

It's crucial for individuals to diversify their portfolios, seek professional financial advice, and stay informed about market trends to navigate these challenges effectively.

Yeah No doubt being financially free and not having to worry much about health care and other expenses cannot be overemphasized, making smart plans and setting up diversified investment portfolios is quite essential.

You need to get a financial planner to aid diversify your portfolio to commodities index funds, digital assets etc, to provide illumination and guidance in the financial markets.

That's what I do. There's some great ones right now.

Hi. You can write the amount of cash that you take out of the envelope as a minus amount and then put the revised lower balance in the next column.

She said she does save it in her HYSA…

I had same issue. After emergency fund was done.p, I put the rest in investments

@@horaceholland6154That’s a good idea. I don’t have an investment account outside of 401k. Will look into that.

$ at her site. It's a bit pricey. I'm going to make my own.

I printed as half page as that was the closest option I could find. They fit perfectly into my A5 binder

Not sure what issues that you are having, but try this in your printer settings. Change the paper size for your trackers to the desired size and then select "FIT" on the print screen. You probably don't want to print the envelopes very much smaller or the money won't fit.

There is no such thing as a dumb question! :) Up above @berneserainbow1407 said the following (and it worked for me) "I print several things like the shopping list from TBM in A5 and I like how they turn out. I do not downsize though. What I do: - Open the PDF file in Adobe Acrobat Reader - Select print - Choose multiple - It should say 2x1 in pages per sheet (that's for an A4 sheet) You might need to adjust orientation I've got the german version of Adobe, so it might not be exactly the same in a version in another language." Hope that helps. Cheers.😊

1. She uses a fake budget for educational purposes or 2 the money her husband brings in was used or 3 any money she gets online that isn't a paycheck from an actual job or 4. If she hasn't done a house tour it's very easy to buy a cheap house in a rural area that needs a lot of fixing up. In my town a house is between 20k-80k depending on the amount of work it needs

@@cottoncandiez8872 Her house is very lovely though. I think she said it was over 6,000 square feet and brand-new construction. She also said in the interview when she bought it with cash that "anyone can do it" and described how she put away various amounts. The thing is how do you put away $700,000 in one year for a home. (Her home cost more than that, but for general purposes. She is never in the comments and I've been asking for years about her methods. I think it's disingenuous to show how she handles money, buys an expensive house and then states that it's that easy for everyone....when she previously had a rent of $800/month. That's a tremendous lifestyle jump. I've been watching her for years and it's not made any sense for some time.

She talks about this a lot. She quit her full time job sometime in 2016/2017 if my memory serves me right to work the the budget mom business full time. She started saving for her house from the business and her house was purchased for 400k. I think she still has some of her earlier videos on here where she starts talking about saving for her house.

@@candymiller7150 If that's the case then the budgets she showed on her videos were a bit misleading. The math doesn't check out though. She said that she was only making $15,000 profit in one interview. Be that as it may, $400,000/36 months is $11,111.11 put aside a month. But according to her story, she put away, "100 here" and "$200 there" when the interviewer was asking her if the "average person could do it". She didn't answer the question but instead misrepresented the process. I'm not sure where you get $400,000 because the homes on that area go for $800,000 especially with land like she has. Her whole "business" is created so she no longer has to work. It's genius.

@@michelleadams5609 idk I posted a link to her video maybe KZfaq doesn’t allow it? I found the video on her blog called “why I decided to buy my house with cash” I know before she quit her full time job she was debt free and she has talked about how when she first started the budget mom she wasn’t really making a profit. It’s been so long since I’ve watched those old videos. But when she had started saving for her house her business had really taken off by that time and the link about her starting to save for her house she talks about how she talked to her financial advisor about purchasing with cash. I just know she’s helped my family tremendously and if it’s not adding up it is genius what she’s done. 😄

She doesn’t have a mortgage. She paid cash..😊

@@candymiller7150 I doubt it. Please go away or will report.

Just letting you know she doesn’t in case you were misinformed. Feel free to report me. Hopefully you have a better day.

She bought her home in January 2020; however, she announced on her blog in November 2018 that she decided to "buy a home". I've been watching her channel for years until I started doing the math. I have been asking in multiple videos how she was able to save the money for the house so quickly. I mean, how does one do that? She paid cash, but she was able to do that in a little over a year with a small profit margin. At least that's what she states.

How do you know she didn't pay in cash? I paid my house off in 5 years using her methods on a one income family. (We PD zero down, and only 6months of minimum payments on our home when I found her.) March 20th was my 5 year home anniversary. It was paid in full on February 26th of this year. She has been practicing her method longer than I have. She 100% could have and DID. I kept up with her home buying journey. I know some people personally that have as well.