How I Keep My Budget Simple | Personal Budgeting Tips

Happy New Year🎉 wishing you good fortune on all your financial journeys!

Here’s a reminder to everyone not to forget about putting money aside for tax season coming up in April (also your Roth IRA contribution deadline for the year)!

Also take some time to review the small things: Is your savings in a high yield account? Are you paying for subscriptions you don’t need? Do you have your local grocery stores app to clip coupons? Are you using cash back apps, like Fetch?

Best wishes all!❤

Saying “punch the subscribe button square in the face” just made me a subscriber

Everybody’s gone surfin, surfin USA

awesome video. wrote these practices down in my notes and i cannot wait to explore them

Great video I’m new to the budgeting community currently 24 in the military debt free with over 30k saved up doing cash stuffings and showing other ways to save 😁❤️

Amazing video.

Thanks Nick Cage.

Rounding (down or up) is definitely a great way to remain proactive with the budget. Thanks for sharing, Nicholas. Cheers!

Since a kid I’ve been haunted by visions of having nothing 😩😭

You are the first person I run across who ever mentions rounding up or down in a budgeting sense. I also use that mentality when ever I buy something on sale. I pretend I am spending the full amount.

Example I buy something that is on sale for 25% off $100. I’ll theoretically spend $100 still by taking the difference and putting it in the savings account.

Most the time at the store, the sale is there to trick you into just buying more stuff you didn’t need or want.

Great video Nick! I am going to use your rounding up/down method! Brilliant!

Dude, you don't even know how much I hate having to budget for everything. It's exaclty the reasons you laid out in the video. Situations change and having to account for all eventualities... That's not how I want to manage my money. I think I'll try your approach for the next two months. I think it will work better for me. Thanks for the video. 

PS: First video I saw of you. I like your style, so definitely gained a new sub!

What do you use in your hair? It's always on point 👍

Thumbs up and subscribed….
And I’m going to forward to one of my sons who will benefit from your measured approach. Thanks :)

Great video! Can I ask what monitor stand you have? I don’t see it in your gear list and I’m looking for a stand for my 27” benq monitor.

I love your channel Nick. You've taught me several strategies that have helped me minimize and save money.

Thanks again, great content as usual😊 (Ps: Give less water for your Monstera plant😉)

I'm a data analyst, so I have a Google Sheet with all my earnings and expenses separated in categories and subcategories. This then I load to a PowerBI report so I can track everything month by month.

I highly recommend that you use this so there’s no surprises and you can estimate how much you expend weekly/monthly/annually.

got randomly drawn into this video and have to admit beside it is so beautiful form a creative pov its helpfull and inspiring. Thanks mate! I will try some things you mentioned

Show us your cat!!

Just updated my budget today hehe ❤ I would love a simpler approach but sometimes I feel like I need the details.

Your hairstyle is sick.

please cut those hair , looks tribble

Wow, thanks! Incredibly helpful. You suggested things that I've never heard before. I really like the idea of simplifying spending categories and plan to do that as well as many of the others.

❤‍🔥

The rounding up process is something I've done as well.

Happy New Year Nick! Thanks for all the great content this past year, and I hope 2024 will be good to you & the channel!

Hey Nick! What's that beautiful field or flieger you are wearing? Please. Thank you! Happy new year!

Super helpful video! You always havesuch great ideas for simplifying life systems!

Bigger iPad gave me carpal tunnel symptom. I wished I bought iPad mini

Where did you get the little guy? 😊

One of the reasons to keep 3-6 months of expenses in emergency cash reserve is because that’s typically how long it takes for a disability policy to kick in. In the event you become disabled and can’t work, you have something to cover until insurance kicks in. Thanks Nicholas, always appreciate your content!

Hey Nick, wish you a happy new year with lots of happiness around you and your loved ones, thanks for being a great teacher during this year!

Man's slowly turning into Hozier

Nic, your video production is amazing, I've appreciated your videos since you started here on YT.

thanks for this year

I want to be better at budgeting but my struggle is my paychecks are never the same. I’m in sales and my income is funded by commissions. Anyone have insights on how to budget that would be great

Great insights thank you!

Dude I agree with the credit card points. I have never paid interest on my cards but just ordered a $2,000 dresser for my bedroom ALL with points

You surely mentioned the round up and down principle because I use it the first time I watched the video you mentioned it. That was a game changer for me because this was both very practical to save a lot of money when you do a lot of transactions and much easy to sum up when you do it on paper. I followed your rule of round up to 5$ so even if I buy a simple pack of gum at 1.59$, I round up the transaction to 5$.

Stay safe too, Nicholas! Happy new year!

Amazing video! Commenting for reach but also for the beautiful videography, the shots of your cat and that I spotted the same pheromone dispenser in your home that we also have for our furbaby.

what i have set up is a so called saldo manager. Idk the english word for it but its like an option in my e-banking that takes my money away as soon as i get my paycheck. For example: I get payed 3000 USD and i set it up that everything goes to my saving account besides 900 dollars for me to use on what i need to. This helps me to save money and to be honest i dont need more than 900 dollars a month since i still live at home. I would recommend doing this. So you are sure that at least 2k or maybe 1.5k goes into your saving accounts which will add up if you do that monthly. If you manage to save 1.5k a month it will be around 18k a year that you are setting aside for yourself and your future. I also work in a bank so i have some knowledge on how it works but sadly only for the swiss system. If you want to know more be sure to play arround in your own e-banking account and look for the saldo manager

What is your computer screen please ?

Thanks Nicholas - great video. Happy New Year.

Happy New Year Nicholas you grow more and more in your field stay safe satisfied and happy forever, god bless you 😇✌🏼❄️

awesome video. wrote these practices down in my notes and i cannot wait to explore them

Happy New Year to you! Thank you for your videos!!