Posted on Leave a comment

Pay Off Debt When You’re Flat Broke!

So, it happened. You lost your job, you have a medical emergency or a major unexpected expense, whatever it is, it has left you broke. When I say broke, I mean we are having Ramen for dinner kind of broke. I hate to admit it, but I’ve been this broke before. I remember having my last $3 in my pocket and having to figure out how I was going to feed my (at the time) family of three. It’s not a good feeling. I am sure others have had to endure tough times much worse than mine. I had to figure out a way to pay off debt even while I was flat broke!

Thinking back to that experience, I can recall never thinking about how to pay off debt. My mind was focused more on survival and how I was going to take care of my family. Plus, I grew up in a family where debt was sort of an expected component of adult hood. I grew up without a solid foundation in finances but I knew how to dodge a bill collector. That was one thing I picked up real quick as a kid.

It can be really discouraging to think about debt when you’re not even sure how to make it through from day to day. It is really easy to adopt the mindset of “my electricity bill is due now so that old hospital bill can wait.” I am here to tell you that you can do both. You can pay your electricity bill and that old hospital bill without working more hours or making more money. However, the only way it will work is if you are truly dedicated and focused to sticking to a plan. This post is going to be a bit lengthy but I will lay out exactly what you need to do to pay off debt even while being flat broke. Ready to get this thing started? Let’s get it.

Being Broke Stops Here!

You know what I am going to say. First things first, without a doubt you need to create a budget. Just this topic alone deserves its own post. Here’s some great information on how to start a super simple budget. It won’t take you hours to do and it doesn’t involve any fancy, hard-to-use spreadsheets or software. I know creating a budget may not be the most appealing task to complete to most people, but honestly the only way to know what you have to spend is to see where you are spending your hard-earned money. You can use this free, easy expense tracker to figure out your current monthly expenses.

When you’re setting up your budget, you want to list your necessary living expenses first. These are things like mortgage/rent, utilities, food, gas, insurance, etc. I call these my “Needs” items. Next, you want to list expenses that you don’t necessarily need but like to have. These are things like Netflix, gym membership, monthly subscription boxes, etc. I call these my “Wants” items. These are the items you will sort through first to determine whether you truly need to continue paying monthly for it or if you can let it go and use that money towards your debt instead.

An easy “Wants” item that I was able to remove from my budget was the $17.32 a month I paid for Netflix. I asked a friend of mine who also has Netflix if she would let me use her account if I paid half of the monthly fee. That would have allowed me to save $8.66 a month and throw that all at my debt. However, she is such a great friend that she said she would add me for free. So, now I have an extra $17.32 a month to pay towards my debt and I can still Netflix and chill.

You will see that just by eliminating unnecessary “Wants” you have the potential to reallocate a nice chunk of money to throw at your debt. I know it can be hard to go without some of the luxuries we like to have in our lives, but you can always find an alternative. For example, instead of paying $25 a month for a gym membership, check out your local YMCA or local college for the cost to use their gym facilities. Better yet, workout at home or follow an online workout video on YouTube. Think outside of the box and great things can happen!

Narrowing Down Your Debt

Now, let’s get back to our “Needs” items. Each item on this list is an essential item needed every day. Meaning, you are not able to live without it. This is where you will want to see if you can negotiate with your electricity company or your landlord for a better price. Doing this really freaked me out to begin with. I don’t know if it was my pride or if I felt ashamed for asking for a bill reduction. Then I realized, why the heck am I feeling like this? I work hard for my money and just because I have debt does not mean I am not entitled to live a comfortable, happy life. Plus, what’s the worst that could happen other than being told “no”? So I gave it a try.

First, I called my cell phone provider. I know some people may consider a cell phone a “Wants” item but I feel like it is a “Needs” item. I use it to keep in contact with family and friends. I use it to pay my bills online and I am able to use it to call for help during an emergency. Anyways, I called my cell phone provider and explained that I am going through a financial hardship right now and trying to pay my debt down. I asked if there was any way I could switch to a cheaper calling plan. The rep on the phone was so helpful. She told me that there is actually a courtesy option that the company can offer to customers that will provide them with a significant bill reduction for up to twelve months. The only catch is, the customer has to ask for it. Can you believe that? All I had to do was ask for it and my monthly bill of $108.63 was reduced to $64 a month. That saved me a little over $44 ($528 for the year) that I could use to pay off my debt.

Next, call your electricity company, water company, mortgage or landlord and see if there are any options they can offer you. When I initially started this, I wasn’t able to get my mortgage company to assist me in any way. However, my electricity company and my water company were able to help me with some discounts. All in all, I was able to cut down my monthly expenses by an additional $93 using this method alone.

So Now What?

So now what? Well, now that you have cut out an unnecessary “Wants” and have gone through your “Needs” items and received bill reductions or discounts from the various companies, you need to add up all the money you saved. Using my info, I was able to cut $107.32 from my “Wants” items which were $17.32 for Netflix, $25 for my gym membership and $65 for my massage membership. Then, I was able to save $93 a month from my “Needs” items by asking companies for a bill reduction. This gave me a total of $200.32 a month to pay off debt. That means I will be able to pay off an additional $2400 worth of debt in the next 12 months. #winning!

Now, you need to list out all of the debt you are wanting to pay. Since I am a visual person, I like to use my debt tracker sheet to keep everything organized. It allows me to have an over view look of every single debt I owe, the total amount I owe and any payments I have already made or are planning to make. Download a free copy to use here.

There are a couple different ways you can approach this. You can either throw all of the money you have to use toward your debt at your largest debt, pay off the debts with the highest interest rates first, or pay off the smaller debts first which will result in a lower total number of debts you owe. Whew! Does that make any sense? I hope so. Here is what I did. I had 6 debt items I needed to pay that varied from $49 to $1500. I prioritized them from smallest amount to largest amount. The three lowest debts I had were for $49, $102 and $107. I paid the $49 and the $102 amounts in full. This left me with $49.32 which I paid towards my $107 debt making my balance owed now $57.68.

The following month I repeated the process. I took the $200.32 I had for the month to pay towards debts and paid the remaining balance I owed of $57.68 which left me with $142.62. This knocked off one more debt item and left me with three remaining debts that I still needed to pay. The next smallest debt that I owed was for $212. I used the remaining $142.62 and paid it towards this $212 debt. This left me with a balance owed of $69.36 which would ultimately get paid off the following month. I continued to use this process for the next 15 months, which is how long it took me to pay off my debt.

Living Debt Free

I know debt can seem daunting and I know seeing a small amount like an extra $200 a month doesn’t seem like much. It can make you feel like it will take you forever to pay off a debt. Don’t stop now! You can do this! You have to stay positive and stay focused. Chipping away at your debt, little by little, takes patience and perseverance. However, if you’re willing to trust the process and don’t give up, you will make it to the finish line with less debt than when you started this journey.

Living a life debt free and on my own terms is something I am striving towards. Next up on my list, kicking my six-figure student loan debt out of my life forever. I am using my debt payoff methods as well as multiple passive streams of income to help me chip away at my student loan debt. Leave me a comment below if this is something you would like me to share on my blog. Thanks for stopping by!

Posted on Leave a comment

10 Savings Challenges to Build Your Savings

So, you want to save some money do ya? Maybe you need to know how to start or maybe you’re already saving money but want to see a little boost in your balance. Well, you’ve come to the right place. Here are 10 savings challenges you can use to build your savings.

If you’re a Pinterest junkie like me, you have probably seen thousands of different saving challenges. Heck, I even wrote a blog post about how to save $10,000 in just one year. Interested? Check it out here. This is a great challenge, but I wanted to find ways to save more money. Also, I wanted it to be as simple and painless as possible. Now here we are! I have designed 10 super easy mini savings challenges.

These savings challenges are great for beginners who want to start their savings. They are also perfect for the experienced saver who wants to periodically increase their savings balance. Also, these savings challenges could even be used by kids and teens who want to get into the habit of saving money. There’s something here for everyone.

Are you ready for the meat and potatoes? Let’s go!

1. The Ten Cent Challenge

Do you have a bunch of loose change laying around? Maybe in your car? Your couch cushions? If you do, then this challenge is perfect for you.

Here’s what you will need:

  • 2 liter bottle (empty)
  • Dimes

Start by rinsing out a used 2-liter bottle. Make sure it is completely dry before using. Next, place all of your dimes into the bottle. Continue doing this every time a dime crosses your fingers.

Once the 2-liter bottle is full, you can cash it in at your bank or a coin-to-cash machine inside most local grocery stores. However, be careful. These coin-to-cash machine usually charge a steep percentage to use their machine. (some are upwards of 11%!) I prefer to take mine to my bank because they do not charge a fee.

If you’re 2-liter bottle is filled up to the brim, you should have close to $500 saved! Not too shabby, right?

2. The $5 Bill Challenge

For this challenge, you will need to do a couple things first:

  • Determine the amount of time you want the challenge to last

and…

  • Find a container or jar you want to fill up

Now, for the easy part. Every time you come across a $5 bill, place this in your savings container/jar/envelope/etc. For example, say your paying for a $3 smoothie with a $10 bill, you would get $7 back in change. In a perfect world, you would get one $5 bill and two $1 bills. You would take the $5 bill and place it in your savings container. Once this container is full or the amount of time you have designated for the challenge has ended, tally up your savings.

The last time I did the $5 bill challenge I managed to save $685! I used an old holiday cookie tin as my container and I saved for three months. I just started this challenge again at the beginning of January. Hopefully, I will be able to save even more this time around.

3. $20 Weekly Challenge

This one is pretty simple. Every week you put aside $20. This process continues for 52 weeks. After 52 weeks have passed, you will have saved $1,040! I use this challenge every year. I designed this cash envelope to use specifically for this challenge. Every week I place $20 into this envelope, I cross off the corresponding week printed on the envelope. Having a visual can be a real motivator. If you would like a free printable envelope to use for this challenge, you can get one here.

If you would like to use this

4. A Dollar A Day

Yep, you guessed it! This challenge is pretty simple. All you do is save $1 a day, every day. Don’t worry if on some days you don’t have a paper dollar to save. You can even use coins.

After thirty days, you should have $30. After sixty days, you should have $60 and so on and so forth. If you continue this for an entire year, you will have saved $365…$366 if it’s Leap year.

5. $2 Tuesday

That’s right folks! Tuesday’s are not just for tacos anymore! Every Tuesday, I save $2. I know, I know, it’s not much but it definitely adds up. Just by saving $2 every Tuesday for an entire year will save me almost $100! I even found a super cute taco themed piggy bank on Amazon that I use for this challenge. Get yours here.

6. Paycheck Pinching

Pinching your paycheck is really not a new concept. In fact, it is probably one of the oldest savings techniques in existence. Here’s how it’s done.

When you receive a paycheck, you save a percentage of it right off the top. This is done before you pay any bills. I like to think of it as “paying myself” for working so hard.

How much of your paycheck do you save? I would recommend between 10-15% if possible. For example, if your paycheck is $1000 then you would take $100 from that for your savings challenge. If you are paid bi-weekly and use this savings technique for an entire year, you will save about $2600. That’s a nice little chunk of change for your savings account.

7. The Loose Change Challenge

Ok, so maybe this is the oldest savings technique in existence. There are many of us that have a jar or tray where we toss all of our loose change in. Amiright?

When I was a kid, my dad would empty out his pockets whenever he got home from work. He had an old metal bucket on his nightstand that he would throw all of his loose change into. After a few weeks, his bucket would be completely full. He would bring home coin wrappers from the bank and my brothers and I would help roll his coins up. He always took us out for ice cream afterwards. Hard work pays off!

I have implemented something similar. I just use a regular old piggy bank. Any time I have loose change in my pockets or in the bottom of my purse, I fish them out and toss them in Peggy the Pig. (except for the dimes! I put those in my 2-liter bottle!)

I have filled Peggy up multiple times. Each time I was able to save between $40-$65 just by saving my loose change. Give it a try and see how much you are able to save.

8. Three Dollar Hump Days

There are two types of camels. Camels that have one hump are called dromedary camels. Camels with two humps are called Bactrian camels. Pretty interesting, right? I know.

Well, the only thing this challenge has in common with camels is that it occurs on Wednesday’s which is also known as “Hump” day. Here’s how it works.

On Wednesday’s, you save $3 dollars. You can use a cash envelope, a jar, a shoe box or basically anything else you would like to use.

Ready to try this challenge? If you save $3 on every Wednesday for a year, you will have saved over $600!

9. A Quarter A Day Challenge

This challenge works great with an empty jar…actually any jar or bottle would work. Every day, you simply drop a quarter into your savings jar. If you do this for an entire year without missing a day, you will save approximately $90 in cold hard cash.

This challenge always amazes me. Saving as little as twenty-five cents every day can add up to a pretty penny. 90,000 pretty pennies to be exact.

10. Weekend Clean-Up Challenge

This challenge gives you a bit more freedom. This challenge isn’t the best one to use if you have a specific dollar amount you are wanting to save. However, if you just want a casual savings challenge that has the potential of creating an extra $48-$1200 every year, then this one is for you.

On the weekend, open your wallet. Pull out all of the paper bills you have in your wallet. If you have more than one bill in your wallet, pick one of the bills you want to save. Let me give you an example. So it’s Saturday and I open up my wallet. I have three $1 bills, two $20 bills and three $10 bills which total $73. I select one of the $10 bills and put this into my Weekend Clean-Up savings challenge. Rinse and repeat…every weekend.

Depending on the denomination of the bill you select for your savings challenge, the savings pot will begin to grow. Even if every weekend you always select a $1 bill to save, you will still end up with $48 in savings.

Whoop! There it is!

There’s all of the 10 savings challenges that I like to use to help build my savings. You don’t have to use all of these, you don’t even have to use any of these. My goal is to show you that there are many ways to save and that saving can be fun. Do you have a savings technique that works best for you? What savings challenges are you currently using? I would love to hear about it! Leave it down in the comments!

Posted on Leave a comment

Save $10,000 in 52 Weeks!

Savings! It seems like it’s all the rage now, right? Right, that’s because saving is important. Being financially prepared for the expected as well as the unexpected can really be a stress reliever. Think back to when you had a large unexpected expense. Maybe it was a major car repair or the loss of a job. This can be a huge financial burden for someone who is unprepared and has little to no savings. Whatever life may throw at you, having a little savings cushion is always helpful. Here is how you can save $10,000 in 52 weeks!

How Much Should I Save?

This isn’t one of those one-size-fits-all type of questions. The amount of money you should save depends on your goals. However, financial experts recommend saving at least three to six months worth of income. Although, $10,000 may or may not be three to six months worth of your particular income, I find it is a decent size wad of cash to stash away for a rainy day. Here’s how to do it and save $10,000 in 52 weeks.

How Does This Work?

It’s quite simple. For each week listed, you need to save the corresponding dollar amount shown. For example, the first week (Week 1) you would save $50. The following week (Week 2) you would save $150 which would bring your total amount saved to $200. Finally, continue moving forward with each week that passes. I find that it is helpful for me to print out the chart and either highlight or cross-out each week as I save. It not only gives me something physical to refer to but also serves as a visual. This technique makes it fun for me to save and keeps me motivated.

Hard Work Pays Off

Ultimately, as long as you stick to this schedule, you will have saved $10,000 in 52 weeks. This chart can help you save for multiple goals. This would be helpful if you are buying a new car or maybe planning on purchasing a home and need to save for a down payment. Using the chart above as a guideline will easily help you get on the right track towards ten G’s. Want to try more savings challenges? Here are a ton more you can incorporate into your life to save even more money!

Happy saving!

Posted on Leave a comment

Starbucks on a Budget

Hi, my name is Melissa and I am addicted to Starbucks. It’s hard for me to admit that but I feel a lot better now that I’ve put it out into the Universe. What makes me feel even better is knowing that I can get Starbucks on a budget!

The Hook

We are all familiar with the green twin-tailed mermaid logo. You can find these coffee houses on pretty much every corner and inside almost every retail store across America. I know mythically Sirens were believed to use their mysteriousness and beauty to lure sailors into the sea. I am no sailor but let me tell you that this Siren has a hold on me. Her hold is so strong that my morning coffee is no longer a commodity but a legitimate splurge. I had to figure out a way to get my Starbucks on a budget.

My Go-To drink is a Venti iced Caramel Macchiato sub sugar free vanilla, sub blonde espresso and add two Stevia. (Don’t judge me. I am #teamsweet and complicated) The way the caramel dances with the vanilla syrup and the precision of the espresso as it marks the freshly steamed milk. All poured over ice in a way that causes the clouds to part form the Heavens. Mm mm I can almost taste it now. OK Melissa, get back on track, focus. What was I saying? Oh yeah, this delightful drink was what I looked forward to every day. What I didn’t look forward to was the $5.90 I had to hand over every single morning.

Rock Bottom

As I started to get more serious about budgeting and living within my means, it forced me to take a good hard look at my Starbucks addiction. The damage this was doing to my finances is what really woke me up. A $5.90 iced coffee seven days a week amounts to $165.20 a month. A MONTH! My water bill is less than this. Yet, here I was. Drinking my water bill away every single morning oblivious to the decreasing girth of my bank account. The financial impact this was having on my life was the main reason I needed to find a way to get my Starbucks on a budget.

Speaking of girth, did I mention that my delicious drink I had every morning also amounted to an extra 350 calories and 53 grams of carbohydrates per day? That’s an extra 10,500 calories a month that I definitely did not need. This realization forced me to find a healthier and cheaper alternative because obviously I couldn’t give it up completely. That was be ludicrous.

The Negotiation

Ultimately, I knew I had to be logical and methodical about this. This was serious. This was DEFCON 5 for Pete’s sake! First, I was going to need to figure out how to cut out the actual times I physically visited my beloved coffee shop. I work three days a week out side of the home. Since I like to fully enjoy my coffee and experience all of the joy it has to offer sip by sip, I decided to only buy Starbucks on my days off. This way I would not be rushing to work in the mornings rushing myself to gulp down 24 ounces of my caffeinated beverage. I could sit back, relax and fully enjoy it in all it’s glory. To compromise, on the days I worked I would make my coffee with my trusty ole Keurig. This was totally doable for me.

Bringing it All Together

Next, I had to figure out how to make this drink cheaper and healthier. This drink I was obsessed with is basically all carbs. How could I get more protein and less carbs into this drink? The only solution I could think of would be adding in a protein shake. I have tried hundreds of different types of protein powders and protein shakes. Even those protein coffee powders that claim to taste just like coffee only to fail miserably. Basically, I needed a protein shake without the grittiness. Oh yeah, it also couldn’t taste like protein.

My favorite protein shakes are Premier Protein ready to drink shakes. It also just so happens that the caramel flavor is my favorite as well. Perfect! Let’s throw that into the drink. Now all I have to do is add in my blonde espresso, sugar free vanilla syrup and sweetener. I remember the first day I tried this concoction. I only have one word for you, earth-shattering. OK, that’s technically two words or does the hyphen make it one? I don’t know. Anyways, check out the price difference and calorie difference with this drink.

However, you do need to take into account the nutrition information of the protein shake. This would bring the calories to 170, 6 grams of carbohydrates and 30 grams of protein. Mission accomplished! Instead of drinking my water bill every month, I successfully cut my Starbucks addiction from $165.20 a month to $47.68 a month. Also, I cut my calories from 10,500 a month to 2,720 a month.

The Coup De Grâce

Ultimately, it comes down to taste right? Does this drink have all the bells and whistles that the original drink had? I am proud to say that it most certainly does! In my opinion, I think it even tastes better than the original drink. I am happy to say that I now get to enjoy my Starbucks on a budget without all the guilt and without needing to take out a second mortgage to fund my addiction. I challenge you to try it out and let me know in the comments if I’m right or completely delusional.

Want to know what’s even better than getting Starbucks on a budget? Getting Starbucks for free. Check out this post on how I do just that. Shhhh!!! It’s our little secret!

Happy caffeinating!

Posted on Leave a comment

What in the World is a Sinking Fund???

I’m glad you asked. I have heard budget bloggers talk about sinking funds and how important they are to their financial well-being. I would be so amazed by the large amounts of money people were able to save all while making it look so effortless. However, I always thought to myself “I’ll check into that later” and then conveniently forgot about it…until a few months ago.

So, let me take you back to August 2019. I am sitting on my couch enjoying the ice cold air conditioning (it’s August in Arizona. Need I say more?) and I’m running through my head Christmas and birthday gift ideas for my kids. They both have birthdays in December, lucky me. Naturally, I start running an invisible tally in my head until I make myself queasy from the grand total. That’s when a little voice in the back of my head (like way in the back…like under a box, even) whispers “try sinking funds, you must.” That’s when I actually made the effort and dove head first into sinking funds. I haven’t looked back since.

Sinking funds are money that you set aside to help soften the hardship of an expected future expense. These are expenses like holidays, birthdays and vacations. It makes it more manageable to save small amounts of money over a longer period of time versus trying to save a huge wad of cash in a short amount of time. I like to think of sinking funds as the chisel that is slowly chipping away at something. I know what you’re thinking. Melissa, isn’t this like an emergency fund? Let me explain.

Sinking Fund vs Emergency Fund

Although they may look alike, talk alike and sound alike, they are more like cousins than sisters. Both sinking funds and emergency funds are methods used to save a large amount of money. However, here are the distinct differences between the two.

Initiating My First Sinking Fund

After I educated myself on what a sinking fund was, I decided to give it a try. I decided I need to find a way to save $800 by Christmas. Here’s a sample of me putting my thoughts down on paper lol.

This was my plan. If I put away $100 every paycheck for the next 8 paychecks, I’d have enough money for my December occasions. I decided to make a cash envelope for this sinking fund. This method made it easy for me to see my progress which only motivated me further. Get this free cash envelope here!

What Do I Really Think of Sinking Funds?

Honestly, sinking funds (IMO) are genius! It really isn’t a new concept, if you think about it. It’s reminiscent of my childhood piggy bank. I remember saving every penny I found so I could buy the new Corvette for my Barbie dolls. This is the same concept…only I am older and I don’t play with Barbies anymore.

I really enjoyed using a sinking fund for my December occasions. Utilizing sinking funds is something I will continue to do from here on out. In fact, I have already started my sinking fund for Christmas 2020. I created a cute cash envelope that also doubles as my tracking sheet. Check it out in the Free Stuff tab above. You simply download it, print it out and use it to save for your holiday spending. Happy saving!

Posted on Leave a comment

How to Start a Super Simple Budget

I feel like it’s everywhere. “How I paid off $40k of debt in 8 months” and “How I saved $1200 a month using this budget.” I am not hating. Don’t get me wrong. I just feel like these are especially unique situations. Getting out of debt is a real struggle. It’s not glamorous and its not effortless.

Getting Started

When I started my journey towards financial freedom, the first thing I needed to learn was how to create a budget. I tried creating a budget on Quick Books and even tried creating a spreadsheet on Excel…only to not ever use either of these again. Finding a budget that works for you hugely depends on your learning style. I love computer graphs and colorful charts but I learn best hands-on.

I found this budget sheet on thebudgetmom.com website and decided to give it a whirl. This is a great budget sheet. However, I found myself whiting out certain sections of the sheet that didn’t really apply to my situation. I wanted something super easy (and cute to look at) to use until I became more familiar with budgeting. Ultimately, I ended up creating my own budget sheets. (You can get them free under the Free Stuff tab) Below is a picture of how I set up my monthly budget sheet. I like to know what I have to pay and when I have to pay them in correlation to my paydays. This type of budgeting is called paycheck budgeting.

The Rationale

Overall, this method has helped me make my payments on time (no more forgotten payments Yay!) and it has helped me plan special purchases. For example, (referring to my budget sheet pictured above) I know I have two birthdays this month. Budgeting these special occasions on to my monthly budget sheet ensures that I can control which paycheck the extra expenses will come from. This way, my regular monthly bills are not affected and I don’t forget to buy birthday gifts.

Honestly, I lived and breathed for TBM’s budgeting techniques. I learned so much from Miko. You can check out her page here.

The How-To

How to use this budget sheet:

  1. First, write down every bill you pay. Write down the company name, amount due (estimate if the amount varies per month) and write down the day it is due.
  2. Second, fill out the calendar for the month you are budgeting. Write the bill name down on the corresponding dates on the calendar.
  3. Next, write in your paydays with your estimated net take home pay.
  4. Color code your paydays for each week and highlight the bills you will be paying with each weekly pay check with the correlating color.
  5. Finally, sit back and admire your masterpiece!

It’s Not Over

Once this monthly budget sheet is completed, I take it a step further. I use my Paycheck Bill Tracker sheet to write down the exact dollar amount of each expense. Ultimately, I also use this sheet to deduct the total amount of expenses from my total amount of income. You can download all the budgeting sheets you need for free here. Depending on what (if any) is left over after doing this, I also use this sheet to determine how much will be placed into savings and my sinking funds. Wait, let me not get too ahead of myself. More about my Paycheck Bill Tracker and sinking funds on my next post.

Would you like to see how I distribute the left over funds from each paycheck? Comment below & I’d be happy to show you!