CREATING A BARE-BONES BUDGET | Budget Tips + Low Income

I did a bare bones budget for a savings goal. I have no debt.

would love to have new content

do you still exist? cannot download the free resources

Thank you! Great idea! Very helpful!❤

Is there any tax like house& ground or car tax? We in Germany also have to have house insurance like for fire etc.
That alone summs up
How would you pit those cost in? Since there duo in like every 6 month

(For a gas car we pay tax depends on the engines size, so 2.0 tdi is about 400 Euro, 1 liter (almost quarter.of a gallon) is about 1.60 €
than insurance for it too, depends on age, drivestyle and area you live in, house and ground tax are quite high, electricity is ridiculous, we pay 300 euro a month and were well off.

I just found your channel. Thank you for these ideas to make a budget. How do you recommend to manage 2 checking accounts. Thank you.

“For one specific season in our lives” - hits deep and gave me peace.

Can you do a video showing how to incorporate the Bare Bones Budget into the BBP method please?

Love Kitty and Toby Video-bombing at the end. Hahaha.

I enjoy doing a Bare Bones Budget several times a year, for Extreme Goal Mode. The nice thing is that if/when crisis mode comes in to play, I already know where we stand and what we need. It minimizes the crisis and I avoid anxieties of the unknown. 🩵💜💙

It's never too late to learn. I'm over my 60's. I need to pay my mortgage faster. TFS! 🙏

Big sis I never had 🙏💙🦋
So motivational!

I know I fixing to have a rent increase in 2024….so I am putting aside a extra 50 dollars and month and cutting out nexflix and cable tv . Still have Roku which is free. But I don’t watch tv … I read…. Only free books!

Fear costs: insurance, materialistic needs, tv/news, others beliefs and needs

Inform resources of income changes:
Internet
Phone
Housing
Social Services
Medicare
SS
PGE

to avoid delay or waisting time

Great worksheet! Gracias!

Don't go on the trip with your sister. Take that money and invest or pay down debt.

My scenario… realizing how much we over spend!

I want to figure out what my trade offs are for this barebones/crisis mode budget! I want to try this.

Hi there! I just want to say I love the content of your videos~ I only started budgeting after few years ago but nevertheless, I've learnt a lot from your videos. Thank you so much! It also really motivate me especially when I didn't do well in budgeting for some of the months. Thank you for the content and please do continue to do this! *Thumbs up!

That was great! Thank you for covering this so thoroughly. Do you ever had that feeling of "I am afraid to look and put it on paper" ?

i cant cut all my subscriptions. i workout at home so need my streaming subscriptions

i do walmart and amazon i do grocery delivery so cant cut those

Could not find the Bare-Bones Budget worksheet

Great info .

Why can't i get the worksheet? I enter password and when i go to free resources then i get asked again for the password

I really like this and I have been trying to incorporate it into my life. It's hard sometimes because I do have the money in my bank to satisfy my impulse purchases but at the same time I need to be saving towards my goals(car, moving out...). But starting January I'll be taking a pay cut because I'll be going to school fulltime so I really need to get my finances together.😅

I love her videos and I need this worksheet.

Thanks so much for the advice. I did not know I could possibly do a average payment method with my utilities. This would be perfect for me.

Wrote down all the bills me and my husband have mortified how much we spend just in bills

The link and the website sent let you get the work sheet

I was at the library resources I can't find the bare bones worksheet.. Please help

just saying for us poor or paycheck people we us a floating budget.

I'm in intense goal mode so I'll be using the bare bones budget 💪🏾

I never associated "bare bones budget" with a negative connotation until you said it sounds awful or whatever lolz

💜💙💜💙💜

Is it dangerous to tell everyone you are cutting out your home security???

I love all your videos. That are great for weekly and bi-weekly and even low income people. One area that would be really nice to see is for the older generation living on a fixed income and how we can save, like off our social security. Just an idea.

Hi Kumiko,
Can you make this worksheet available again? I've searched and searched your website and I am not able to find it.
I would love to go through this process and this worksheet sounds like an amazing tool.

Hello! Do you have any videos for graduate school students? I’m hoping to start a budget since I will be mainly living off of loans and want to take out the least amount as possible!

Ha, I'm on bare bones right now and didn't even realize it. Saving for a vacation and have a medical bill I want to pay off. So I'm eating out of the pantry as much as possible, no eating out and no extra spending.

You have lots of spending 🤣🤣🤣🤣
I always practice- half for savings
Half -bills,living, what is left does to savings, of course 🥰🥰
Pretty much simple math 🥰🥰🥰

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Do you have forms for business budget and expense?

This is almost exactly what I did when my unemployment was coming to an end and Instill had no job prospects. It really helped me also see just exactly what that minimum income needed to be to survive vs. how much to actually live and prepare for the future.

Thank you so much! I see the worksheet has been added along with other resources! You rock lady! :)

Good morning! I want to first start out by saying that your story and your techniques are truly inspiring. I love your video and I am learning so much. **I tried to find the barebones worksheet, I can not find it*** PLEASE HELP.

I just became a widow at 45 with two kids and my husband used to make a lot of money. Now suddenly I am having to live on 1/4 what we were living on before. Thank you for these videos!

I live like this on a regular basis. It is my normal unfortunately.

Great video as always. Informative and practical. Thanks!