Tag Archives: budget

BBP REAL LIFE BUDGET | Budgeting When You Don’t Make Enough

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It's time for another Real Life Budget. We asked my readers to submit their REAL information. Real spending, real debt, and real savings goals.

I am taking those real-life numbers and showing you how I would organize and budget that information using my Budget By Paycheck® Method.

In this video, I will be showing the real numbers from a reader, Jillian. Jillian and her husband live in Grand Rapids, Michigan. Currently, she and her husband do not bring in enough money to cover their expenses.

CHAPTERS:
00:00 Introduction
00:41 About Jillian
02:40 Jillian's Why
03:50 Jillian's Income
04:29 Jillian's Bills
06:00 Jillian's Variable Expenses
06:29 Jillian's Debt
08:50 Income – Expenses
09:46 Bare Bones Budget
15:14 My Recommendations

➡️ HOW I TRACK MY SPENDING: https://bit.ly/3aIe89I
➡️ HOW TO USE A BUDGET CALENDAR: https://bit.ly/2IzF2Vj
➡️ FINDING YOUR WHY: https://bit.ly/3aJUryj
➡️ THE BUDGET MOM'S FINANCIAL FREEDOM STEPS: https://bit.ly/3cfJXsp
➡️ HOW TO GET STARTED WITH THE CASH ENVELOPE METHOD: https://bit.ly/2vQJaO5
➡️ HOW TO CREATE A PLAN OF ATTACK TO PAY OFF DEBT: https://bit.ly/2wDETxF

ABOUT ME

I'm the blogger behind https://www.thebudgetmom.com. I have a rambunctious 6-year-old son, live in Washington, and I'm passionate about helping people with money management and personal finance. Let me know what you like to learn more about! Leave me comments and suggestions on my video and let me know!

YOU CAN FIND ME AT:

📝 BLOG: https://www.thebudgetmom.com
📘 FACEBOOK: https://www.facebook.com/thebudgetmom/
📸 INSTAGRAM: https://www.instagram.com/thebudgetmom/
📌 PINTEREST: https://www.pinterest.com/thebudgetmom/

GET STARTED

➡️Start Here: https://www.thebudgetmom.com/start-here/
➡️Free Email Course: https://bit.ly/2UYgNFf
➡️Free Resources: https://bit.ly/2PDmTHz
➡️GET 10% OFF my popular Budget-by-Paycheck Workbook – Coupon Code TBMYOUTUBE https://bit.ly/2CR7U9n

Money Diaries | How I budget, spend, save & invest my money | DEC 2025

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*Download your free Financial Freedom Cheatsheet here → https://bit.ly/48Q00fx*

If you’re new here, hi! I’m Rose Han, bestselling author of Add A Zero, and my mission is to help you master your money so you can create a life on your terms 💫

A little bit about me…

*11 years ago:* $100K in debt. Really bad with money. Felt completely trapped.
*Today:* First millionaire in my family. I wake up and do what I want, when I want, where I want, how I want.
Life is too damn short to settle.
Sure, you might have to let go of some people (and old versions of yourself) along the way. But don't let anything or anyone stop you from the life that you deserve.
I believe in you ❤️

__________

*🔗LINKS MENTIONED IN THIS VIDEO*
💫 YNAB (budgeting app) → https://youneedabudget.a4xxmk.net/c/3011757/869639/10892
💫 High-Yield Savings Accounts → https://www.bankrate.com/landing/rose-han/best-savings-options/?sub-id=12/03
💫 Financial Freedom Cheatsheet FREE DOWNLOAD https://bit.ly/48Q00fx

__________

*⏱️ TIMESTAMPS*
00:45 – How I’m spending
03:08 – How I’m budgeting
08:12 – How I’m earning
09:51 – How I’m investing
15:11 – Money wins u0026 fails

__________

*MY BOOK*
📖 My bestselling book Add A Zero, a step-by-step guide to go from $0 to $1M → https://amzn.to/47JB7k6

*LET’S CONNECT*
💌 Join Call to Freedom, where I share everything I’m learning u0026 doing with my money:
🌐 Website: https://www.rosehan.com
📸 Instagram: http://instagram.com/itsrosehan
📱 TikTok: https://www.tiktok.com/@itsrosehan
💻 LinkedIn: https://www.linkedin.com/in/itsrosehan/
📘 Facebook* : http://facebook.com/itsrosehan

How to choose A Perfect Laptop under 20000 , 30000 , 50000 & 70000 Budget

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Laptop Buying guide hai dosto

kaise ek perfect best laptop buy kr under 20000 , 30000 , 40000 , 50000 ya fir above 1 lakh mein chaliye mein aapko sikhata hu

#BestLaptop #BuyingGuide #TechnologyGyan #Laptop #PC #manojsaru

Best laptop under 20000
Best laptop under 30000 for students
Best laptop under 40000 for study
Best laptop under 50000 for video editing
Best laptop under 60000 for gaming ?
gaming laptop under 60000 ?
best laptop for programming and codding ?

My Second channel Subscribe Now
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Subscribe Our Channel For More Videos
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Smartphones Unboxing u0026 Reviews Video :
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New Videos Check This
https://www.youtube.com/playlist?list=PL0W2eFwhS9h7MFAP3o_hlBcHY0YzkUuOc

internet tips u0026 Tricks Videos
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Android Mobile Tips u0026 Tricks
https://www.youtube.com/playlist?list=PL0W2eFwhS9h6QpQtQw8WloMPDrgvvJC_L

Technology Gyan All Videos
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Manoj Saru

I Built Best Budget PC For Marvel’s Spider-Man 2 [NEW] 🤩 Live Test

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Recently Marvel's Spider-Man 2 Releaed for PC Gamers. Right Now Available on Steam as well as on Epic Games Today wea re going to Try This on Multiple PC With Different Specs.

Let's Find out Which Processor adn GPU Combo Will be the Best Option For Running Modern AAA Games Cehck out Video For More.

*
Do Anything With Your Computer at Your Own Risk! Take backup Before Taking Major Actions! (We are just able to Help you From Our Tech Website(About page) in any wrong case)
*

Join Channel
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iPhone 15
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Vivo X60(8GB Ram)
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Main Unit
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SMPS= https://amzn.to/3Xb0IN5
Cabinet= https://amzn.to/3X5YWg0
Ram= https://amzn.to/3NscVJS
Storage
NVME= https://amzn.to/3J9aOIy
Hard Drive= https://amzn.to/3J9BWad
GPU= https://amzn.to/3Pcl0Ur
Motherboard
=b50M PG Sonic
Monitor= https://amzn.to/33nML4k

🔺Other Computers are Experiment or server Bases

🔺Video Gears
Tripod=https://amzn.to/3vfGKBg
-https://amzn.to/3cAHIl5
-https://amzn.to/3zioXfX
Microphone=https://amzn.to/3CKv28p
PC Mic=https://amzn.to/3IJcKbe

🔺Laptop
https://amzn.to/3Q8QjzQ
Chromebook – https://amzn.to/43unEIE

🎥Camera I am using For Recording
Sony Alpha A7C
=https://amzn.to/3UIxNjL
Lens 28MM F2
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For Screen Recording – OBS Studio

❕ Software I Use ;
🎬Currently Using Adobe Premiere Pro For Video Editing!
For Making Thumbnails – Adobe Photoshop
(All Videos u0026 thumbnails are Develop By me)

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Use or commercial display or editing of the content without proper
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Thanks For supporting #adi4u

Video Timesteps
00:00 Marvel Spider Man 2
00:31 Buying. u0026 Install
02:31 Basic PC Required u0026 Gaming Test Marvel Spider Man 2
06:23 Recommended PC Marvel Spider Man 2 Test
10:04 Overview

Martin Lewis: How the budget affects the pound in your pocket

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Martin Lewis takes you through the Chancellor Rachel Reeve's 2025 Autumn Budget, focusing on the key personal and consumer finance points that'll impact you.

This includes the amount you can save into your cash ISA each year being cut from £20,000 to £12,000 from April 2027, but only for those under 65; plus government plans to reduce energy bills by £150 from April 2026.

Martin explains that Income Tax and National Insurance thresholds have been frozen until 2031, and the confirmed 4.8% rise to the State Pension.

Martin also talks about the 4.1% rise in the National Minimum Wage to £12.71 per hour for those aged 21 and over (£10.85 per hour to those aged 18 to 20), and the removal of the two-child benefit limit from April 2026.

You will only be able to get the National Insurance benefits on salary sacrifice for pensions of £2,000/yr from 2029.

The Plan 2 student loan repayment threshold has been frozen for a further three years,

The MoneySavingExpert founder also found things not mentioned in the Budget speech, but were in the docs, including a consultation on replacing Lifetime ISAs with a new first-time buyers product, and a letter from the Chancellor to Ofcom asking it to review the rules after O2 hiked its price hikes.

We're updating our story as we get more detail: https://www.moneysavingexpert.com/news/2025/11/martin-lewis-autumn-budget-2025/?utm_source=youtubeu0026utm_medium=socialu0026utm_campaign=videou0026source=YTORG-VIDEO

00:00 Introduction
00:21 Frozen tax thresholds
00:49 Savings changes
02:30 Energy bill changes
03:43 Salary sacrifice cap
04:18 4.8% State Pension increase
05:10 Two-child benefit cap ending
05:58 Student loan thresholds frozen
06:44 Lifetime ISA consultation
07:43 'Mansion tax'
08:08 O2 price hikes
08:26 EV road tax
08:43 Quick roundup of other changes

How to Sell Digital Products in 2026 (With a $0 Budget)

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The digital products space has changed drastically even from just a couple of years ago. If you're wanting to make money online selling digital products, it's crucial to be in the know about how the market has changed so you can know how to sell digital products online successfully from day one. Digital products have HUGE potential as they are one of the very best passive income ideas out there. So if you've been looking for the best side hustles, online business ideas, or digital products to sell online, you're in the right place. Etsy digital products can be super profitable and the demand only continues to grow. Starting a digital product business could be the best next step for you, friend. Let me help guide you along the way!

✨ Mentioned in this video:

➡️ Try PAYHIP for FREE: https://l.payhip.com/katehayes

💻 FREE Digital Product IDEAS List: https://www.kate-hayes.com/digitalproductideas

🎥 FREE Digital Products Masterclass (watch now): https://www.kate-hayes.com/dppreg

____________________________

✨ FREE RESOURCES:

👉 FREE DIGITAL PRODUCT STARTER GUIDE: https://www.kate-hayes.com/digital-product-starter-guide

👉 FREE LIST OF 100+ DIGITAL PRODUCT IDEAS: https://www.kate-hayes.com/digitalproductideas

👉 FREE Digital Products TRAINING CLASS (watch now): https://www.kate-hayes.com/dppreg

👉 FREE ETSY SUCCESS GUIDE: https://www.kate-hayes.com/etsy-success-guide

👉 FREE Etsy Success MASTERCLASS (watch now): https://www.kate-hayes.com/webinar-registration-page-1

___________________________

✨ MY FAVORITE BUSINESS TOOLS:

➡️ CANVA (Free Pro Trial): https://partner.canva.com/c/3126932/619765/10068

➡️ CREATIVE FABRICA (Graphic Design Elements- FREE TRIAL, 10 free items): https://www.creativefabrica.com/promo/7110/0P705-ABFGHIJKLMNO/ref/2403652

___________________________

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ALSO, make sure to tap the BELL 🔔 icon to turn on your notifications- that way you won't miss any of our value-packed videos!

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We love sharing our story and the way we've found success with you. Of course, I can't talk about this without giving Jesus the glory. We work hard with the tools we have but ultimately HE is the one who has brought in every order. "In their hearts humans plan their course, but the Lord establishes their steps" -Prov. 16:9

➡️ CONTACT US (General Inquiries): kate@kate-hayes.com
➡️ CONTACT US (Brand Collab Inquiries): katehayes@agencycreativa.com

We are affiliates for some of the brands mentioned on the channel. As an affiliate for other brands, I earn from qualifying purchases. I only recommend products I actually use, love, and think you would benefit from.

Thank you to Payhip for sponsoring a portion of this video!

New 65-20-15 RULE for Your BUDGET | Money Rules 2025 | Ankur Warikoo Hindi

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My latest book "Beyond The Syllabus" is written EXCLUSIVELY for teenagers.
Pick it up here: https://amzn.to/3ICkIFh

If you wish to be part of the Money Matters series, please fill up this form: https://forms.gle/G3wwgpVjctRneyQv6

In this video, I introduce the updated 65-20-15 budgeting rule that replaces the 50-30-20 formula for 2025. I break down how to allocate 65% for needs, 20% for wants, and 15% for investments and debt repayment, along with practical steps to audit your expenses and identify where your money actually goes each month.

The video covers essential financial habits including emergency fund creation, proper insurance planning, and investment strategies that can help you build a corpus of ₹20-30 lakhs over time. I also address common budgeting mistakes like lifestyle inflation, peer pressure spending, and improper bonus allocation. By implementing this systematic approach with automated SIPs and disciplined expense tracking, you can transform your financial situation from living paycheck to paycheck to building substantial wealth for your future.

#PersonalFinance #BudgetingTips #warikoo

——————————————————————————————————————————

Level Up Your Skills with Coursera:
Coursera Plus Subscription (Unlimited access to 7,000+ courses): https://imp.i384100.net/c/5248989/3282643/14726
Browse All Coursera Courses: https://imp.i384100.net/c/5248989/3282682/14726

My Money Apps:
Indian Stock Investing (Zerodha): https://zerodha.com/open-account?c=ZMPHCY
Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): https://zerodha.com/open-account?c=ZMPHCY
US Stock Investing + Investment Tracking (INDMoney): https://bit.ly/3tT5moR

The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L, in 2023 we contributed 56L and in 2024 we contributed 43L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions.

My bestselling books:
'Beyond The Syllabus': https://amzn.to/3ICkIFh
'Build an EPIC Career': https://amzn.to/4kJlOfB
'Make EPIC Money' here: https://amzn.to/3WHJ43F
‘Get EPIC Shit Done’: https://amzn.to/4fK1IR5
‘Do EPIC Shit’: https://amzn.to/4fK9uuv

My gear for shooting this video:
🎥 Sony a7III camera: https://amzn.to/3GtfwCJ
🎬 Sony FE 24-70 f2.8 Lens: https://amzn.to/4klYm82
📹 Sony E Mount FE 24-50mm F2.8: https://amzn.to/3I6LfKy
🎙 Shure SM7B Microphone: https://amzn.to/3Tk5Ygk
🔆 Godox Fill Light 60W: https://amzn.to/4exQvmL
💡 Godox Key Light 150W: https://amzn.to/3TQau6p
📽 Benro IT15 Tripod for Sony a7III camera: https://amzn.to/4km4ZXP

The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L, in 2023 we contributed 56L and in 2024 we contributed 43L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions.

Let’s connect online:
🎙 My weekly podcast Woice with warikoo (Spotify): https://open.spotify.com/show/1g7wpoqydK6hszvi4DFywg
📩 My weekly newsletter warikoo Wanderings: https://ankurwarikoo.com/newsletter/
📱 Instagram: https://instagram.com/ankurwarikoo
🐦 Twitter: https://twitter.com/warikoo
👨🏻‍💻 LinkedIn: https://www.linkedin.com/in/warikoo
😄 Facebook: https://www.facebook.com/awarikoo/
🖋 Daily Blog: https://ankurwarikoo.com/blog/

Ankur Warikoo is an internet entrepreneur and India's leading career mentor, reaching:

– 15Mn+ followers across YouTube, LinkedIn, Instagram, Twitter and Facebook
– 4X Bestselling author of Do Epic Shit (2021), Get Epic Shit Done (2022) Make Epic Money (2024), and Build an Epic Career (2025)
– Founder of WebVeda.com – an online school empowering young Indians, with 450,000+ career success stories and counting
– A career catalyst who's been both the interviewer and interviewee, the founder and the funded, the mentor and the mentee.
– Having navigated multiple career pivots (from physicist to consultant to CEO to content creator), he's now dedicated to helping you build an extraordinary career without making the same mistakes he did.

Featured in Fortune Magazine's 40 under 40 List for India, Forbes Top 100 Digital Creators list, and LinkedIn India's Top Voices, he brings real-world insights from his MBA at Indian School of Business, his time as CEO of Groupon India and nearbuy.com, and his journey of building multiple successful ventures.

Hidden costs when buying raw land: what to budget for

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Thanks to LMNT for sponsoring this video! Head to http://DrinkLMNT.com/ALEXANDRAFASULO to get your free sample pack with any purchase.
——————————————————————————————————————–
Do not let this deter you from buying raw land. I did it and I am alive to tell the tale! However, I would have LOVED a video like this before I went ahead and bought my raw land. I have learned more than I can even explain in the last 2-years and am happy to come on here and explain it to you all.

I do write about all of this weekly on my Substack!

How to avoid picking the wrong town for your homestead: https://houseofgreen.substack.com/p/how-to-avoid-picking-the-wrong-town.

Exactly how much it cost to build out my entire homestead: https://houseofgreen.substack.com/p/exactly-how-much-it-cost-me-to-build.

All of my "unconventional ways to buy land" series articles: https://houseofgreen.substack.com/t/buy-farmland-series.

https://www.youtube.com/watch?v=0WoDqhq5t9Uu0026t=38s

CHATPERS
00:00 Introduction
01:54 Driveway installation
05:09 Power source: electric or go off grid
08:20 Septic system installation
09:19 Taxes
10:55 LMNT: stay hydrated
12:29 Drilling a well
14:08 Easements/hidden right-of-ways
17:07 Water rights
17:53 Permits
20:43 Unexpected changes from your town

HOW TO PAY OFF YOUR MORTGAGE IN 5-10 YEARS (2023 UK) – Become Mortgage free on any budget!

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HOW TO PAY OFF YOUR MORTGAGE IN 5-10 YEARS (2020 UK) – Become Mortgage free on any budget!

Can you really pay off your mortgage early and within 5 to 10 years on ANY BUDGET? Yes and I can show you how with the maths and facts that allow you to use your money as a way to create more money as an income OR pay off your mortgage completely. This video is not personal financial advice, but more to inspire you with a best case scenario in which you can choose what works for your goals. I hope you enjoy!

****************
Investment Platforms I use:
Invest using Freetrade – https://mamafurfur.com/freetrade
Invest using Hargay for 1.12% daily weekday returns – https://mamafurfur.com/hargay
Invest using Etoro – https://mamafurfur.com/etoro
 eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk. Copy Trading does not amount to investment advice. The value of your investments may go up or down. Your capital is at risk. Past performance is not an indication of future results. Trading history presented is less than 5 complete years and may not suffice as basis for investment decision. I earn a commission if you sign up using my link / Sponsored by eToro / #advert / #eToroAffiliate
Invest using Trading212 – https://mamafurfur.com/trading212

****************
If you enjoy this video, here are some others you might enjoy of a similar investing basics theme:

How to SAVE MONEY FAST (Even on a low income)
https://youtu.be/p0tlzqmv3VM

How much Money I made from Youtube with 500k views –
https://youtu.be/katfonhve0g

😍How to Become A Millionaire at any age
https://youtu.be/o0-dmSyv8x4

The Money Stacks System (that I use to budget and create financial freedom for our family) – https://youtu.be/Dukl-PzJriY

💵How to Open an Investment ISA (Stocks and Shares ISA)
https://youtu.be/XWXL1WALUjQ

Intro to Investing
➡️https://youtu.be/jqIoPZbvyBw
****************
My products you might love:
AutoPilot Money System for all your budget, financial freedom calculations, debt repayment system, Net worth calculator, Sinking funds and Investment Tracker
http://bit.ly/goalsspreadsheet

MY BOOK – The Master Money Blueprint available on Paperback and Kindle – https://mamafurfur.com/mmbpbook

The only step by step course that shows you how to design a Budget that allows for financial freedom and also creating the life you want. Check out my
BUDGET SUCCESS BOOTCAMP Mini-Course here // http://bit.ly/BudgetSuccessBootcamp
****************

****************
Where else to find me:
Blog: http://www.mamafurfur.com
Instagram: https://www.instagram.com/mamafurfur/
Facebook: http://www.facebook.com/mamafurfur
Pinterest : https://www.pinterest.co.uk/mamafurfur

DISCLAIMER – Any advice given in on my channel and videos is for information purposes only, and does not act as financial advice. Your financial decisions are your full responsibility, and if you are in any doubt, please contact a Finance adviser before undertaking any investment with your money or change to your financial activities.

TAGS : #payoffmortgageearly #financialfreedom #financesuk

Sen. PING LACSON on Senators Estrada and Villanueva’s Budget ‘Insertions’: Interview on DZBB

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In an interview on DZBB, Senate President Pro Tempore Ping Lacson answers questions on the budget insertions of Senators Jinggoy Estrada and Joel Villanueva.

Lacson in ‘Sagasa Mode,’ Waiting for ‘Receipts’ on Flood Control Project Commissions to Senators
https://pinglacson.net/2025/09/19/lacson-in-sagasa-mode-waiting-for-receipts-on-flood-control-project-commissions-to-senators/

Lacson: Massive P457-Million Cash Delivery to DPWH Engineers May Point to Bigger Players in Flood Control Project Mess
https://pinglacson.net/2025/09/19/lacson-massive-p457-million-cash-delivery-to-dpwh-engineers-may-point-to-bigger-players-in-flood-control-project-mess/