June 2023 Budget | Sara Marie Stickers | EC Monthly Planner |

00:15:12
https://www.youtube.com/watch?v=5JdHnU6VN1E

Summary

TLDRDans cette vidéo, la créatrice partage le détail de son budget de juin. Elle a préparé son budget avec des stickers et a opté pour un format de présentation différent, se concentrant sur le partage des dépenses fixes et variables. Les dépenses incluent l'hypothèque, les factures habituelles, ainsi que les allocations pour les enfants. Elle mentionne également la livraison imminente de son nouveau planner budgétaire pour 2024, ce qui simplifiera le processus de budgétisation à l'avenir. Les objectifs budgétaires comprennent la contribution à des fonds de retraite pour ses enfants et la planification de vacances pour son anniversaire de mariage.

Takeaways

  • 💰 Nouveau format de présentation du budget.
  • 📅 Utilisation d'un calendrier mensuel pour suivre les dépenses.
  • 🏠 Focus sur le remboursement anticipé de l'hypothèque.
  • 💡 Répartition claire des dépenses fixes et variables.
  • 👧 Alimentation des fonds pour les enfants.
  • 🌟 Création d'un nouveau planner budgétaire pour 2024.
  • 🎉 Planification d'une vacances pour le 10ème anniversaire.
  • 📝 Importance de suivre les dépenses de manière régulière.
  • 📈 Économies pour les activités et loisirs des enfants.
  • 🛒 Utilisation de stickers pour rendre le budget visuel.

Timeline

  • 00:00:00 - 00:05:00

    La créatrice de contenu explique comment elle gère son budget pour le mois de juin, optant pour un format de présentation différent. Elle présente les dépenses variables et fixes, y compris les frais de logement, d'électricité, et d'alimentation, tout en mentionnant l'importance d'un suivi régulier des transactions. Elle souligne aussi qu'elle va utiliser un nouveau planificateur de budget qui simplifiera certaines tâches.

  • 00:05:00 - 00:10:00

    Elle présente les dépenses fixes telles que l'assurance vie, les abonnements à des services de diffusion, ainsi que les frais de garde d'enfants et de loisirs. Elle explique comment sa famille gère ses dépenses et qu'ils cherchent à rembourser leur prêt hypothécaire plus rapidement. Elle aborde également les fonds de réserve pour des dépenses imprévues et pour des vacances, ce qui est essentiel pour leur budget familial.

  • 00:10:00 - 00:15:12

    Enfin, elle partage des informations sur leurs fonds de réserve, y compris les fonds pour les activités des enfants, les vêtements, et les vacances. Elle exprime sa satisfaction à pouvoir ajouter de l'argent à ces fonds après une période d'économies. Elle encourage les spectateurs à consulter ses nouveaux kits de budget et son planificateur de budget, en rappelant les limitations d'approvisionnement.

Mind Map

Video Q&A

  • Quel type de format utilise la créatrice pour son budget ?

    Elle utilise un format de promenade à travers le budget au lieu d'un budget avec elle.

  • Quels types de dépenses sont inclus dans le budget ?

    Les dépenses sont divisées en dépenses fixes et variables.

  • Comment la créatrice suit-elle ses dépenses ?

    Elle utilise un calendrier mensuel pour suivre ses dépenses variables.

  • Quel est l'objectif principal de la créatrice concernant son hypothèque ?

    Elle souhaite rembourser son hypothèque plus rapidement en effectuant des paiements supplémentaires.

  • Combien elle alloue pour les vacances ?

    Elle prévoyait d'économiser pour des vacances en août pour célébrer son 10ème anniversaire de mariage.

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  • 00:00:00
    [Music]
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    tell me what it's like to be circling
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    among the clouds
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    without you by my side
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    hey guys and welcome back to my channel
  • 00:00:14
    and welcome to today's video so today
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    I'm going to be walking you guys through
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    my June budget I already went ahead and
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    put down all the stickers wrote all the
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    amounts in
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    um I think this is going to be something
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    that I do going forward instead of doing
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    like a budget with me it's probably just
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    going to be like a walk through
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    um
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    one reason is it's just a lot easier for
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    me to like figure everything out on the
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    back end and not try and film it and not
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    wait
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    to set it up for when I can film it
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    because honestly filming is just a
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    little crazy as you can probably tell
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    I'm in a different place right now I'm
  • 00:00:48
    filming at home
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    and I think that's going to be something
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    that I continue to do just for timing
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    purposes it's a little bit easier to do
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    that
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    um so hopefully the lighting is okay I
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    don't have any special lights up right
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    now but
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    um anyway I think going forward it's
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    going to make a lot more sense to just
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    set up my budget when it makes sense for
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    me and then just to film a walk through
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    and you know we can talk about why I did
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    certain things all of that fun stuff the
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    other thing is with the new budget
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    planner I did create my own budget
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    planner for 2024 those should be
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    arriving like any day now and as soon as
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    we get them we'll start sending them out
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    to you guys but with the new budget
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    planner a lot of the like upfront work
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    with like laying down stickers and stuff
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    is going to be eliminated don't get me
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    wrong still going to use stickers in my
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    planner but
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    a lot of like the work that you normally
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    would have to do is going to be
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    eliminated so it's going to be a lot
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    easier to like get that done ahead of
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    time and honestly it's not going to be a
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    ton of fun to watch anyway so
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    with all that being said
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    um I think this is going to be the new
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    format going forward
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    um really quickly before we get into the
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    actual budget I want to show you guys my
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    monthly view so this is where I track
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    all of my variable expenses so you can
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    kind of see all the categories here this
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    darker green is going to be groceries
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    the tan color is eating out household is
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    in that lighter green and then the blue
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    is gas for our cars we've already had
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    some transactions occur so um we're
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    already tracking I've been trying to
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    like every day or so go through and
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    um add all of our expenses
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    and then for our budget so
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    um here's our budget I don't share our
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    income that's something that I've never
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    done so we have nothing to share there
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    um but here we have all of our expenses
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    so like I said I do split our expenses
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    up
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    um into variable and fixed expenses
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    so starting with variable expenses we
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    have our electric that is 75 that's what
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    I'm estimating gas to heat our home and
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    for us to cook is sixty dollars
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    groceries we're doing eight hundred
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    dollars that is basically 200 per week
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    eating out is 300 households we're doing
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    150 gas for our cars we're doing 200
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    that's kind of like the sweet spot for
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    us we honestly don't do a ton of driving
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    but even even like the little trips just
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    to go visit Jason's parents and things
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    it adds up
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    um cash divider so that's like mine and
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    Jason's allowances it includes Jason's
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    hair cutting money Macy's allowance
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    money that ends up being 280 dollars
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    four sinking funds we're adding 1 520
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    dollars
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    and then for unbudgeted we do not budget
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    anything but we do leave a placeholder
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    just in case something random happens so
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    that is that
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    next moving on to our fixed expenses so
  • 00:03:44
    for fixed expenses we are budgeting or I
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    guess I should not say budgeting because
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    these things are most of them have
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    already occurred and they're set so we
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    paid 2500 towards our mortgage I've
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    mentioned this in the past but
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    we do pay like our normal mortgage
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    payment plus additional principal and
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    the reason why we're doing that is
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    because we want to pay our house off and
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    half the time that like our mortgage is
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    um destined to be so we've already owned
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    our home for a year now it's in June I
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    think like June middle of June it'll be
  • 00:04:18
    a whole year which is crazy to think
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    about but our goal is to pay off our
  • 00:04:22
    house as early as possible
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    and so um we're making that extra
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    mortgage payment and honestly adding in
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    a small amount every single month is
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    going to cut that mortgage term in half
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    so I feel like even if we can't do any
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    crazy extra payment at least we're doing
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    something next is our internet that's 55
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    we have Hulu live now um that's 74.99
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    Netflix is 19.99. we have a cell phone
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    plan with Jason's parents and we pay
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    eighty dollars per month life insurance
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    for myself this is additional life
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    insurance
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    um this is like a big policy because if
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    I if something happened to me it would
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    be a dramatic thing for my family
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    um so we got like when I became
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    self-employed we got this really large
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    life insurance policy so that like if
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    anything happened I would be my I guess
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    I should say my family would be covered
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    so that's 42.55 we will continue doing
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    that it's a Term Policy we will continue
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    having this policy until we feel
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    comfortable that like if something
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    happened to me that we would be covered
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    plus honestly for the amount that like
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    my loved ones would get it probably
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    doesn't make sense to like not pay it
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    anymore so anyway that's that we do
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    contribute 200 per girl because I have
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    two little girls
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    um into 529 plans so it's not a ton but
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    it is something and honestly since we've
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    started doing it it has grown to be a
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    decent amount in no way will it cover
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    all of college but at least they'll have
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    something
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    um my Ortho I have my very last payment
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    that's 155 so I'm gonna be so happy to
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    no longer have that Ortho payment
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    um so I just made a note that it's our
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    last payment
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    we have a ring doorbell that's 3.99 per
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    month Mila's preschool is
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    1234 dollars and five cents every single
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    month we are still doing swim and that
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    payment has already come out that's 115
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    but I think like whenever we can we're
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    gonna cancel it um because during the
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    summer it doesn't make a ton of sense to
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    like swim outside we bought Pool passes
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    in May so Jason will take Mila on
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    Thursdays to go swimming at the pool
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    I am doing laser hair removal so that is
  • 00:06:40
    3 12 70.
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    um Macy's summer camp the first one is
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    195 per month and then I don't think
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    we're gonna have to sign her up just yet
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    for the other summer camp that's like
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    kind of the second half of the month or
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    second half of the summer so I put zero
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    there but I wanted to put a placeholder
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    just so that like in the future I'll
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    remember that something that will have
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    to pay for
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    Milo will also be going to the summer
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    camp as well I don't know if it'll be at
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    the same exact time that Macy goes but
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    Jason's dad is going out of town for
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    like a month and a half and so we won't
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    have anyone to watch Mila on Tuesday so
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    we're gonna start putting her in summer
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    camp and honestly I think she's going to
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    love it Jason's dad does such a great
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    job
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    um you know doing fun things with her
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    but the summer camp is also going to be
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    really fun so I'm excited for her
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    and then for sinking funds so we do do
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    Sinking funds we have quite a bit of
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    sinking funds as you can tell
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    um so I'm just gonna go through what
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    we're starting with what we're adding so
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    for activities we had a hundred dollars
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    and we're adding a hundred this is for
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    like the kids so for cheerleading for
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    softball soccer all the fun things
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    um
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    so that is for that beauty I started
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    with zero I added fifty dollars this is
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    for like face wash and Foundation things
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    like that car insurance we started with
  • 00:08:03
    7 11 87 and we added in 150 that is for
  • 00:08:07
    both of our cars and also Jason's
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    motorcycle
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    car maintenance we had zero dollars we
  • 00:08:13
    added in a hundred car tags we had 80.60
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    we're adding in 40. Christmas and gifts
  • 00:08:20
    we had 4 11 14 and we're adding in four
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    hundred dollars so this is a category
  • 00:08:26
    that encompasses a lot of different
  • 00:08:28
    things this is Christmas as it says it
  • 00:08:31
    also is every single birthday present
  • 00:08:33
    whether it be for like my immediate
  • 00:08:35
    family like me Jason the girls it's also
  • 00:08:38
    for like all of Macy and Mila's friends
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    birthday parties that we get invited to
  • 00:08:41
    because we're kind of in that season
  • 00:08:43
    right now where we get invited to a lot
  • 00:08:46
    of parties I think the last couple of
  • 00:08:48
    months we've been invited to at least
  • 00:08:50
    four or five different parties
  • 00:08:52
    so definitely have to save a little bit
  • 00:08:54
    for that so that when those parties come
  • 00:08:56
    up we can attend
  • 00:08:57
    um it also includes both of the girls
  • 00:09:00
    birthday parties so we do like to do
  • 00:09:02
    like a birthday party for the girls they
  • 00:09:05
    do have separate parties Mila's is not
  • 00:09:08
    too crazy right now but Macy does get to
  • 00:09:10
    have like you know a 10 15 kid party
  • 00:09:13
    every year
  • 00:09:15
    um and that's something that like we
  • 00:09:18
    feel as important everybody gets to
  • 00:09:21
    prioritize their money how they want as
  • 00:09:23
    a kid I didn't get to do a lot of
  • 00:09:24
    parties so every single year I want Macy
  • 00:09:27
    to be able to have a party so we do set
  • 00:09:29
    money aside for that
  • 00:09:31
    clothes for Jason
  • 00:09:33
    um he had fifty dollars we added in zero
  • 00:09:36
    he has so many clothes guys I think
  • 00:09:38
    we're gonna have to get a new dresser
  • 00:09:40
    for our room just because of the amount
  • 00:09:42
    of clothes like we don't have a ton of
  • 00:09:44
    storage in our house we don't have a
  • 00:09:46
    huge house
  • 00:09:47
    um in our closet is much smaller in the
  • 00:09:49
    new house than it was in the old house
  • 00:09:50
    but I think because of all the T-shirts
  • 00:09:53
    and sweaters and stuff I think we're
  • 00:09:55
    gonna have to get a new dresser so with
  • 00:09:57
    all that being said neither me or Jason
  • 00:09:59
    need to have more clothes the girls had
  • 00:10:03
    69.63 we're adding in a hundred dollars
  • 00:10:05
    I know Macy's gonna need some like new
  • 00:10:07
    summer clothes
  • 00:10:09
    um mostly like shirts and maybe some
  • 00:10:11
    like new Crocs or something for me I
  • 00:10:14
    have 86.76 left over
  • 00:10:17
    for my clothes we're not adding anything
  • 00:10:19
    in for that as well
  • 00:10:20
    um but 86 dollars I still have plenty
  • 00:10:23
    I've been really big into like thrifting
  • 00:10:25
    I haven't gone recently but I've been
  • 00:10:27
    really into that and I feel like that
  • 00:10:29
    really helps like get your money's worth
  • 00:10:31
    when it comes to clothes because stuff
  • 00:10:32
    is so expensive nowadays Costco we had
  • 00:10:35
    20 we added in five dollars that's just
  • 00:10:37
    for our membership diapers
  • 00:10:40
    um we have 41.84 and we're adding in ten
  • 00:10:42
    dollars these are just like nighttime
  • 00:10:44
    diapers for Milam
  • 00:10:46
    entertainment and vacation we have zero
  • 00:10:48
    dollars and we're adding in 250.
  • 00:10:51
    um we did wipe that entertainment fund
  • 00:10:53
    out because we went to
  • 00:10:56
    um
  • 00:10:57
    we had my sister come in to visit so we
  • 00:10:59
    were doing lots of fun things like that
  • 00:11:00
    in May and then I did go to a Taylor
  • 00:11:03
    Swift concert with my sister so we used
  • 00:11:06
    quite a bit there
  • 00:11:07
    family pictures we had 243.96 we're
  • 00:11:10
    adding in 25 this family pictures
  • 00:11:13
    category is for like obviously family
  • 00:11:15
    pictures but we also use it for like the
  • 00:11:18
    girl school pictures Macy had like a
  • 00:11:21
    soccer
  • 00:11:22
    um photo that she got so we got we paid
  • 00:11:25
    for like her individual photo as well as
  • 00:11:27
    a team photo
  • 00:11:29
    Home Maintenance we had 26202 we're
  • 00:11:32
    adding in 200 medical we have 40.39
  • 00:11:36
    we're adding in zero we kind of changed
  • 00:11:39
    things around with our medical insurance
  • 00:11:41
    and so now we have a health savings
  • 00:11:44
    account
  • 00:11:45
    and so
  • 00:11:46
    um we're gonna be adding money into that
  • 00:11:49
    instead of having this medical sinking
  • 00:11:51
    bun so this medical thinking fund will
  • 00:11:53
    probably just be for like
  • 00:11:56
    whatever like leftover things that we
  • 00:11:59
    have like we'll use this forty dollars
  • 00:12:01
    for
  • 00:12:02
    um and then going forward we'll just use
  • 00:12:03
    the HSA
  • 00:12:06
    subscriptions we have 80 we're adding in
  • 00:12:08
    20 tolls we had 21.65 we're adding and
  • 00:12:12
    nothing because that should cover tolls
  • 00:12:13
    for the month trash we had 22.52 and
  • 00:12:16
    we're adding in 20 and then water we
  • 00:12:19
    have 6201 and we're adding in 50 so
  • 00:12:21
    trash and water are paid every two
  • 00:12:24
    months and every three months so we do
  • 00:12:26
    set aside money for those every single
  • 00:12:28
    month so that we can kind of smooth out
  • 00:12:30
    our budget as much as possible we have
  • 00:12:33
    had
  • 00:12:34
    um some transactions already occur for
  • 00:12:37
    sinking funds we had to pick Macy up
  • 00:12:40
    some new cleats I think that's what you
  • 00:12:42
    call them for soccer um that was 16.49
  • 00:12:44
    we always go to Play It Again Sports for
  • 00:12:48
    stuff like that because the kids grow
  • 00:12:49
    through the stuff so fast and then um
  • 00:12:53
    Jason and Macy
  • 00:12:56
    went to Colorado and we just got a bill
  • 00:12:58
    from the tolls from like March so that
  • 00:13:00
    was 1765 I have to pay that online
  • 00:13:03
    so yeah that is our budget for June I'm
  • 00:13:06
    happy that in June we're able to add
  • 00:13:10
    some more money to our sinking funds
  • 00:13:13
    the last couple of months I've been
  • 00:13:15
    really
  • 00:13:16
    cutting back what we've been able to put
  • 00:13:18
    to sinking funds
  • 00:13:20
    um and so I'm just really grateful that
  • 00:13:21
    we are in a position now where we can
  • 00:13:23
    add more money to sinking funds and
  • 00:13:26
    start getting those back on track
  • 00:13:29
    we do hope to do some type of vacation
  • 00:13:31
    in August because it is going to be mine
  • 00:13:34
    and Jason's 10-year anniversary so I'm
  • 00:13:37
    hoping we can beef this yeah that's it
  • 00:13:39
    for me so I hope you guys enjoyed
  • 00:13:41
    getting to see a little walk through of
  • 00:13:43
    our budget
  • 00:13:45
    um definitely make sure that you check
  • 00:13:47
    out all of the budget kits if you are
  • 00:13:49
    wanting to start your budget Journey now
  • 00:13:51
    and then also make sure to check out the
  • 00:13:54
    new budget planner like I said those
  • 00:13:55
    should be shipping very very soon I
  • 00:13:58
    think the estimated arrival date was
  • 00:14:00
    like around the 6th or 7th and then of
  • 00:14:02
    course like once we receive them we'll
  • 00:14:04
    be shipping them out in the order that
  • 00:14:06
    the orders were placed
  • 00:14:08
    um
  • 00:14:09
    so I'm super excited to get those
  • 00:14:11
    in our office get those
  • 00:14:14
    you know moving towards you guys but
  • 00:14:16
    definitely make sure you check them out
  • 00:14:18
    we do have a decent amount of them left
  • 00:14:21
    but at this point the sales for them
  • 00:14:24
    have slowed down quite a bit so I don't
  • 00:14:26
    think we will be re placing like we
  • 00:14:29
    won't be placing another order for them
  • 00:14:32
    um so if you're wanting to pick one up I
  • 00:14:34
    would say pick one up sooner rather than
  • 00:14:36
    later I definitely anticipate like you
  • 00:14:38
    know when they actually arrive and as
  • 00:14:40
    we're showing them and stuff that more
  • 00:14:42
    orders will be coming through so just
  • 00:14:44
    kind of keep that in mind but that is it
  • 00:14:45
    for me today I hope you guys enjoyed
  • 00:14:47
    getting to see a little walk through and
  • 00:14:49
    I will see you guys next time bye guys
  • 00:14:52
    thank you
  • 00:14:54
    tell me what it's like to be circling
  • 00:14:57
    among the clowns
  • 00:15:01
    without you by my side
  • 00:15:03
    I would be stuck here on the ground
  • 00:15:08
    you're lighting up the way I can see the
  • 00:15:11
    road
Tags
  • budget
  • dépenses
  • économie
  • planner
  • hypothèque
  • vacances
  • enfants
  • finances personnelles
  • sinking funds
  • juin