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Пікірлер
@ChaosBW Ай бұрын
"it made sense for us to buy landscaping equipment" As soon as I saw the ELECTRIC equipment I got red in the face into a fit of rage. As an experienced landscaper who has had the misfortune of using one of these, THEY'RE AWEFUL AND SHOULD BE ILLEGAL.
@peternorthrup6274 2 ай бұрын
Move back in with mommy and daddy.
@allthingschelle4304 5 ай бұрын
Congratulations on the new opportunities and love the background! Looks share :)
@TheUnsavvyBudgeter 5 ай бұрын
Thank you for the positive feedback! It's been making my life easier now that I can just switch on the camera and record.
@ajaratuegbo8534 5 ай бұрын
I think you need a year.
@TheUnsavvyBudgeter 5 ай бұрын
I agree, that’s what we want to work towards next. 6 months first and then push for a year.
@qisoftware_official 6 ай бұрын
I have several HYSA and MMAs. I am thinking about moving most of the funds to a 60 month CD to avoid losing the high yield interest payments deposited to the accounts which I think will go down in the coming months. Though I will not be able to get the funds as easily in the case of an emergency, I will be happy to keep my yield rates about the same for a longer period of time. Are you considering the same precautions?
@TheUnsavvyBudgeter 5 ай бұрын
I have as well! I am not sure how long these high interest rates will last and we’ve seen that these good rates don’t last forever. The locked in part scares us a bit so we may consider not doing the full amount so we have a more accessible emergency fund when smaller emergencies come up. May I ask why you chose to do multiple HYSA and MMAs? Curious about the benefits you see with going that route.
@qisoftware_official 5 ай бұрын
Initially, opened the High Yield Savings and Money Market accounts with multiple banks in anticipation of a large legal settlement. I have both business and personal banking accounts- so one of the savings accounts is associated with my business. The banks, American Express, CIT, Synchrony, Wells Fargo, Bank of America are pretty stable so I transfer funds monthly to the individual savings accounts to keep them active. Right now about $700 a month. I set it up- so it is easy to transfer funds between all of my accounts, so when one bank is offering a great rate on a CD I can easily fund it- even with my multiple banking habits. The short answer, thought I needed the accounts for the settlement. @@TheUnsavvyBudgeter
@TheUnsavvyBudgeter 5 ай бұрын
Ah that makes sense. It sounds like you're really on top of it and $700 a month is a very good contribution. Hoping to get back to those numbers soon. Thanks for sharing!
@ellec6342 6 ай бұрын
Great job! Sticking to a budget is not easy, but you guys are doing great! Keep up the good work. 👍
@TheUnsavvyBudgeter 6 ай бұрын
Thank you! Appreciate the supportive comment.
@HealthyWealthyMogul 6 ай бұрын
It is not always easy to do cutting back on grocery when you have a family. Great work on doing that. Lovely nail color. Always nice to help out others here and there. Love your video, my friend.
@TheUnsavvyBudgeter 6 ай бұрын
Very true, especially when my family loves food so much. Thanks for the support!
@Pinkiesupco 6 ай бұрын
Omg I loveeeeeeee
@TheUnsavvyBudgeter 5 ай бұрын
Thank you, that means a lot!
@villamathilda6984 6 ай бұрын
Happy that you are back! Missed your videos. Me and my husband decided to increase our emergency fund to 12 months! lots of love from Sweden 😊
@TheUnsavvyBudgeter 6 ай бұрын
Aww thank you for the love and support! The positivity from the community always helps keep me going. I think 12 months is such a smart idea. I think that will be our next goal after we reach 6 months. I always read and heard 6 months is what you need, but I don't think that holds true anymore with inflation and the challenges of finding work.
@debbiecho2762 7 ай бұрын
So happy you’re uploading videos again!
@TheUnsavvyBudgeter 7 ай бұрын
These kind of comments keep me going! Thanks for watching!
@TheUnsavvyBudgeter 5 ай бұрын
OMG Debbie, I'm just now paying attention to the username and realize who you are. I had thought of you from time to time wondering how you were doing. How are we nowadays post-lockdown?
@ellec6342 7 ай бұрын
Thank you for the video! Congrats @Mondoraj!
@katherinespence2117 7 ай бұрын
That budget is TIGHT. Dumping that car would be my next move... ❤
@Daniel-iy4zy 7 ай бұрын
I second this! I feel like for that payment you should really reconsider the justification for having that car in the first place. Obviously I’m just a random commenter on the internet who doesn’t know your life like you do 😅 but it might be worth it for the short term! Nice cars will always exist for when you’re in a better position
@TheUnsavvyBudgeter 7 ай бұрын
I know it’s a scary number to look at but the savings around an electric car is worth it in my opinion.
@katherinespence2117 7 ай бұрын
With gas prices as low as they are currently that payment can't be justified.
@mondoraj 7 ай бұрын
Thank you! Email is on the way! ~Audrey
@TheUnsavvyBudgeter 7 ай бұрын
Got it! Will ship it out Tuesday. Congrats!
@mondoraj 7 ай бұрын
@@TheUnsavvyBudgeter thank you! I really appreciate it!
@accelemployment 7 ай бұрын
Thank you for sharing your journey. Let me know if you would be open to some free career coaching. I tried to reach out to you but there is no contact info.
@TheUnsavvyBudgeter 7 ай бұрын
Thank you for the generous offer. I have been working with an acquaintance for some career coaching but will keep you guys in mind if I feel like I need a change.
@accelemployment 7 ай бұрын
No worries. My idea was to share the info on our KZfaq channels.
@katherinespence2117 7 ай бұрын
I'm sure it's hard being on different schedules and spending so little time together, but this sacrifice is only for a season. Make the MOST of any time you CAN be together ❤. Sacrifice is part of LOVE.
@ellec6342 7 ай бұрын
Great video! Could you have more videos showing your savings goals and financial accomplishments visually?
@TheUnsavvyBudgeter 7 ай бұрын
Sure! Thanks for your suggestion.
@missdrpepper2891 7 ай бұрын
Great update! The outfit is so cute and cozy looking 😊! Do you plan on sharing more of your budget/ how do you budget with variable income/ how is your emergency is progressing in 2024? I would love to see more budgeting content with real numbers from you! Best of luck in the job search!
@TheUnsavvyBudgeter 7 ай бұрын
Yes, more budget updates to come! I’m happy to hear you and other viewers are enjoying the budget content!
@FIRE_DrNinjaTurtle 7 ай бұрын
Great job. Things will get better
@TheUnsavvyBudgeter 7 ай бұрын
Thank you!
@mondoraj 7 ай бұрын
Could you show more paper or digital budgeting and end of month overview of what actually happen? I think that would be helpful because of the different income. Thank you and thanks for the entry!
@christinecortese9973 7 ай бұрын
I second this. Irregular income is a total crapshoot for budgeting. Imagine it’s kept you hopping with your budgeting. I sure hope you find something a bit more stable for work soon. Hang in there, I think you are both very far ahead of where you were a few months ago and it will just keep improving.
@TheUnsavvyBudgeter 7 ай бұрын
Sure I can work on that. Thanks for the suggestion!
@TheUnsavvyBudgeter 7 ай бұрын
Thank you, appreciate the support from this community!
@lifewithlows 8 ай бұрын
congrats
@lifewithlows 8 ай бұрын
I want to know what math went into going into this crazy debt. I only find it logical If it was a medical reason anything other then that Is just keeping up with the joneses. best luck though
@TheUnsavvyBudgeter 7 ай бұрын
There wasn’t much logical reason to it. It was overindulging and not being prepared for large home repair expenses. But it’s another valuable lesson learned and if it wasn’t for this layoff we would’ve kept delaying funding our emergency fund.
@novenebainter6866 9 ай бұрын
I got laid off Oct 19,2023. I do have 2 year of emergency fund. I do have no debt. I was saving for a new car which would have been completed by end of year. In 2024 I was going to start investing.
@vincentnnyc 9 ай бұрын
I have a 5 years emergency saving already. I’m trying to save as much as possible and if I get laid off, I won’t need to work again till I collect my social security at 62
@TheUnsavvyBudgeter 9 ай бұрын
Wow that’s great! And that’s the kind of financial freedom I admire. I love that you made such a great plan to cover yourself until you can retire.
@EngrDJDebug 9 ай бұрын
well you should have found another job after you quit your tech job, you have a year to get a new job before.
@TheUnsavvyBudgeter 9 ай бұрын
Thanks
@virtuousbudgets2737 9 ай бұрын
It may be difficult with the pay cut but at least you won’t have to pull from your emergency fund anymore. Congrats 🥳
@TheUnsavvyBudgeter 9 ай бұрын
Thank you, we’re really glad to be able to continue to grow that fund!
@BudgetsWithELMA 10 ай бұрын
Great video ❤ New subbie here 🤗
@TheUnsavvyBudgeter 10 ай бұрын
Thanks for subbing!
@mfrancisco_850 10 ай бұрын
you are a good wife by being so caring and understanding about what your husband must be going through.im so glad that you were able to take a simple job and stay with it you are such a light in this world stay who you are always.
@TheUnsavvyBudgeter 10 ай бұрын
Thank you! This means a lot.
@mfrancisco_850 10 ай бұрын
im praying for you and for all of us who are struggling right now through this dark times .
@TheUnsavvyBudgeter 10 ай бұрын
I appreciate the prayers and support. I hope we all stay strong and not lose hope!
@mfrancisco_850 10 ай бұрын
they are saying that most people in general are applying to at least 800 jobs before getting hired.
@TheUnsavvyBudgeter 10 ай бұрын
Omg 800!!! That must take so much time considering how you have to tailor each application. I wished there were more accurate stats on what the job market is like.
@GeosRealityReport 9 ай бұрын
Yeah it’s even higher than that
@ktoms6522 10 ай бұрын
Love your content! You’re so inspiring! Welcome back!!!
@TheUnsavvyBudgeter 10 ай бұрын
Thank you so much 🤗
@ktoms6522 10 ай бұрын
I love the 1-second end of the world scene behind you 😂
@TheUnsavvyBudgeter 10 ай бұрын
lol thank you! The hubby is really proud of that editing.
@villamathilda6984 10 ай бұрын
Congratulations 😊❤
@TheUnsavvyBudgeter 10 ай бұрын
Thank you so much 😀
@bittujacob 10 ай бұрын
Congratulations 🎉🎉
@TheUnsavvyBudgeter 10 ай бұрын
Thank you!
@katherinespence2117 10 ай бұрын
I could not be happier for this good news! The starting salary may be less but there is room to move up and there will be raises in the future. Since you've already been living "lean," I feel confident you'll make the new budget work. I look forward to more videos! ❤
@TheUnsavvyBudgeter 10 ай бұрын
Thank you! I feel good about us managing with less as well. I’m glad we learned a lot during these past few months.
@Roadmappingtofi 10 ай бұрын
I am so happy for you guys. Congratulations 🎉
@TheUnsavvyBudgeter 10 ай бұрын
Thank you!
@Kmc1316 10 ай бұрын
Congrats on the new job! Pay cut is definitely a downside, but better to have a job for sure 😊
@TheUnsavvyBudgeter 10 ай бұрын
I totally agree!
@daisy_naples 10 ай бұрын
Hi Cindy! So nice to see you again and very happy that your husband has a new job. A 6 month emergency fund is a good start. I hope that you reach that goal. And I wish you the best in every aspect of your life ❤❤
@TheUnsavvyBudgeter 10 ай бұрын
Thank you so much Daisy!
@FIRE_DrNinjaTurtle 10 ай бұрын
Congratulations
@TheUnsavvyBudgeter 10 ай бұрын
Thank you!
@elizabethreads0312 10 ай бұрын
I’m so happy he found a job. I think your transition to the new budget well considering you were in away living on a limited budget since you got the bad news.
@TheUnsavvyBudgeter 10 ай бұрын
Thank you! We are glad to not have to dip into our emergency savings to cover our living expenses but the budget will definitely have to stay pretty lean like it has been.
@christinadavis7000 10 ай бұрын
Yay! Congratulations 🎉 I knew you all would get past the layoffs
@TheUnsavvyBudgeter 10 ай бұрын
I was getting really nervous how long this would take. I’m happy that it has ended. We are still weary about a future layoff so savings is still a priority.
@christinadavis7000 10 ай бұрын
@@TheUnsavvyBudgeter I never consider any job to be permanent. A business can shift direction at anytime. I personally have a little over 1 year of savings in the event of job loss. I also always keep myself open to new opportunities. Job security, in my opinion, is a myth.
@stephaniehall8179 10 ай бұрын
Congratulations 🎊 🍾 Maybe hubby can start his own KZfaq channel with a day in the life of a site reliability engineer. ❤
@TheUnsavvyBudgeter 10 ай бұрын
Thank you! I asked hubby about starting his own channel but he said he is camera shy. Maybe I can convince him to do one day in the life video.
@katherinespence2117 10 ай бұрын
I have always watched your videos for ALL the things you view as "negative." It WAS especially your raw vulnerability that appealed to me and made me "get behind you" and root for your success! ❤❤
@TheUnsavvyBudgeter 10 ай бұрын
You really have been there for me video and after and it's definitely appreciated. Thank you for sticking around and I'm so happy there are people like you that enjoy the content that I put out there!
@ptl10 10 ай бұрын
Looks good on you!
@TheUnsavvyBudgeter 10 ай бұрын
Thank you!
@villamathilda6984 10 ай бұрын
Love your channel! Lots of love from Sweden ❤😊
@TheUnsavvyBudgeter 10 ай бұрын
Wow Sweden, that’s awesome! Thanks for watching and supporting! 🥰
@Craftytrini8778 10 ай бұрын
You have no idea how inspiring this video is. You are so brave, and beautiful, and that dress looks great on you! Excited to see your channel grow.
@TheUnsavvyBudgeter 10 ай бұрын
Inspiring is such a powerful word and something I always wish to achieve. I wouldn’t be where I am today without people that inspired me so I hope to have that honor with others. Thank you for your kind words and supporting my channel!
@SomethingAboutVintage 10 ай бұрын
I’m so excited for your future!
@TheUnsavvyBudgeter 10 ай бұрын
That is so nice of you to say! I hope the future is bright!!
@Kmc1316 10 ай бұрын
I struggle with the same things that you’re talking about. I have often found that we’re much harder judges of ourselves than others will be though, for the most part. There is always the exception of mean judgey ppl here and there (especially on the internet). I think you’re great though. I find you relatable, and I enjoy your videos very much.
@TheUnsavvyBudgeter 10 ай бұрын
I’m glad I’m not alone in my feelings. The internet is scary and sometimes I let the internet win. Thank you for letting me know you’re enjoying the content and I appreciate your support!
@hmleffler2246 10 ай бұрын
Your are beautiful I enjoy your content I very much like all your videos
@TheUnsavvyBudgeter 10 ай бұрын
Thank you so much for letting me know you enjoy the content! That validation motivates me to keep creating!
@kimhawkins 10 ай бұрын
You’re a smart and beautiful woman! Don’t get discouraged on your KZfaq journey. Nobody starts off with hundreds or thousands of subscribers or views. Keep working at it! You’re sure to be successful in no time!
@TheUnsavvyBudgeter 10 ай бұрын
Thank you for such kind words! I truly am my toughest critic.
@Roadmappingtofi 10 ай бұрын
I absolutely love your channel and your honesty. You are such a beautiful person and you look great in that dress.
@TheUnsavvyBudgeter 10 ай бұрын
Thank you so much for saying that. Sometimes I do wonder if my content is good and you have given me the reassurance I needed!