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The last federal budget took a constructive view of household debt and came up with well-planned strategies to handle it.

Read More: https://www.freemalaysiatoday.com/category/opinion/2024/10/15/how-the-2024-budget-helped-tackle-household-debt/

Laporan Lanjut: https://www.freemalaysiatoday.com/category/bahasa/pandangan/2024/10/15/bagaimana-belanjawan-2024-bantu-tangani-hutang-isi-rumah/

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Monthly Budget Check-in on payday on this $150,000 Debt Free Journey!

#debtfreejourney #budget #budgetsession

Instagram (reselling): @BudgetandBalanceLiz
Business inquiries: lifeaslizreaches@gmail.com
Buy Me a Coffee: https://www.buymeacoffee.com/lalr
Venmo: @Liz-Reach

Did you catch these videos?
February 2024 Budget: https://youtu.be/D7955X_qYPI
Federal Student Loan Repayment: https://youtu.be/9d4zlly9Eus
Debt Confession: My Secret https://youtu.be/ulGQYTX-IV8
Private Student Loan Update: https://youtu.be/zXXQ1TtPTHs

Need help with your budget or debt payoff plan?
Budget Setup or Review: https://budgetandbalance.ck.page/products/budget-review-or-setup
Debt Payoff Plan: https://budgetandbalance.ck.page/products/debt-payoff-plan

My Favorites from Amazon
Collagen Powder – https://amzn.to/3rBZOxD
Calm – Supplement https://amzn.to/3SGYTni
Book – Finding Meaning , the 6th Stage of Grief, by David Kessler – https://amzn.to/3I1mZEL
52 Lists for Happiness – https://amzn.to/3v1eYMv

I created free resources to help you on your financial journey. When paying off debt and saving money are the goals, you don’t need to spend money on a tracker. If you would like to show your support, you are welcome to send it via Venmo, @Liz-Reach.
My Original FREE Budget Tracker: https://docs.google.com/spreadsheets/d/14WtlE3FpAfayCRhQeeeLxxruYQqqydov/copy
My FREE 100 Envelope Savings Challenge, Digital Tracker
https://docs.google.com/spreadsheets/d/1szHuvJgG6WZxjiDETsa38hxzzxXMsGulruL7InIBcAU/copy
YouTube Subscriber Savings Challenge
https://docs.google.com/presentation/d/1i3jL7MIdChZ8rPzeThGxZSLm8JA-eZH1n-x4oVeWFN8/copy

Where I Sell
Poshmark Closet: LifeasLizReachs
Earn $10 for Poshmark with my code LIFEASLIZREACHS, if you aren’t already on Poshmark
Ebay Store: https://www.ebay.com/usr/lizreaches
ATTN TEACHERS Check out my TPT Store: Reach, the Science Teach
https://www.teacherspayteachers.com/Store/Reach-The-Science-Teach

Some links are affiliate links, which means I earn a small commission if you click my link. It’s no extra cost to you and supports my small business. Thank you!

I’m so excited to be sharing a new series where I actually review your budget! In this specific video, I’ll be outlining how I would budget a 2k monthly income whilst trying to pay off debt and build savings.

** 1:1 MONEY COACHING WITH ME **
Book a free sales call to find out more: https://bossfinanceacademy.com/

**WANT ME TO REVIEW YOUR BUDGET?**
Submit your budget here: https://forms.gle/gE8Tfj9Lb4nJf7UR9

WANT TO WATCH MORE?

How I budget my money: https://youtu.be/BGRMq1LcRFU
How I’m saving more money in 2024: https://forms.gle/gE8Tfj9Lb4nJf7UR9
How to get better with your finances: https://youtu.be/ngSdTMzgfU8
10 things to do with your money this week: https://youtu.be/Ze5cS8dTndk

**MY NET WORTH & BUDGETING TEMPLATES**
Monthly or Weekly: https://www.etsy.com/uk/shop/VeroniaShop

**MY MOBILE PHONE SIM CONTRACT**
Sign up with Voxi: https://referme.to/vfgOyOn

**HOW I TRACK MY SPENDING**
I use Monzo to track my spending, you can sign up using my referral link: https://join.monzo.com/c/cxf1gtg

**GET MY FREE MONEY MANAGEMENT GUIDE**
Get my free guide here: https://bossfinanceacademy.com/money-management-guide

**FREE TRAINING on how to Save & Invest your money**
Sign up for the free training here: https://bossfinanceacademy.com/free-masterclass

**WANT TO MAKE MORE MONEY? JOIN FINANCIAL JOY ACADEMY**
Learn more about the membership I’m apart of: https://veroniaspaine–financialjoyacademy.thrivecart.com/financial-joy-academy-monthly-member-21/5f69f5c4947b9/

**GET A FREE SHARE WITH TRADING 212**
Do you want to get a free stock share worth up to £100?
Create a Trading 212 Invest account using this link https://www.trading212.com/invite/GISeeb9m and we both get a free share!

**HOW I RANK IN SEARCH ON YOUTUBE**
TubeBuddy: https://www.tubebuddy.com/veronia

**BOOKS I WOULD RECOMMEND:**
The Price of Money (UK Based): https://amzn.to/3RB10by
The Meaningful Money Handbook (UK Based): https://amzn.to/2GVuaUj
Rich Dad Poor Dad (US Based): https://amzn.to/2RhzxPF
Rich Dad’s CashFlow Quadrant (US Based): https://amzn.to/3kbBedU
The Richest Man in Babylon (US Based): https://amzn.to/3iBgb3K
Property Investment for Beginners (UK Based): https://amzn.to/2ZsMLgH
100 Property Investment Tips (UK Based): https://amzn.to/3bQH3uc
Self Discipline: A How-To Guide to Stop Procrastination (UK Based): https://amzn.to/3mizh0T

**SIGN UP FOR A FREE TRIAL ON AUDIBLE:**
Audible: https://www.amazon.co.uk/Audible-Membership/dp/B00OPA2XFG?actionCode=AMN30DFT1Bk06604291990WX&tag=veroniaspaine-21

**MY EQUIPMENT:**
Desk table: https://amzn.to/3vLasQy
Camera: https://amzn.to/3mfLkft
Lights: https://amzn.to/32lsXhc
Microphone: https://amzn.to/32pvlnf
Camera bag case: https://amzn.to/3mcdjwC

DISCLAIMER PT. 1: Some links included in this description are affiliate links. If you purchase a product or service with the links that I provide I may receive a small commission. There is no additional charge to you! Thank you for supporting my channel so I can continue to provide as much content as possible!

LET’S CONNECT!
Instagram: https://www.instagram.com/veroniaspaine/

ABOUT ME

I’m the typical Millennial who previously spent everything she made (though it wasn’t much), but decided to pursue financial freedom – something the schools should’ve taught us!

I believe everyone has the capability to be financially free, whether you’re an Entrepreneur or an Employee. My goal is to help you realise that you can achieve anything you put your mind to!

Videos will go live every SUNDAY so make sure you subscribe!

DISCLAIMER PT 2: Please note I am not a Financial Advisor or Employment Lawyer. The content presented in this video are personal opinions and for entertainment purposes only. You are responsible for the financial decisions you make!

**TIME STAMPS**

00:00 Intro
00:49 Net worth review
09:15 Budget review
15:33 More support & summary

Digital Budget Check-in with a PAY RAISE!!!! Let’s check-in on my digital budget to see my pay raise and check-in on my No Spend Month challenge. PLUS, I owe you that TP Count!

Hi, I’m Liz! Here on Budget and Balance I share my health and wealth journey to improve my health and pay off $150,000 in DEBT by budgeting, savings, and side hustling! Hope you’ll join me.

#digitalbudget #budgetwithme #debtfreejourney

00:00 Welcome
01:20 Goals
02:01 Projects
03:05 Income w Raise
04:34 Fixed Expenses
05:08 Debt
07:30 Review
07:59 Variable Expenses
10:51 Savings
12:15 Roll Over
12:28 TP Situation

Instagram (reselling): @BudgetandBalanceLiz
Business inquiries: lifeaslizreaches@gmail.com

Did you catch these videos?
No Spend Month challenge: https://youtu.be/m8HXNyX_hI4
Federal Student Loan Repayment: https://youtu.be/9d4zlly9Eus
Debt Confession: My Secret https://youtu.be/ulGQYTX-IV8
Frugal Friday playlist https://www.youtube.com/playlist?list=PLMcSNU6WIlQYKdPrQ9F7H3gpqFkqhFt7k

Becky from @TheGoodKindofMidLifeCrisis is participating in the No Spend Month Challenge. Check out her channel!

My Favorites from Amazon
~Health & Weight Loss Related~
Never Binge Again (book) – https://amzn.to/43cOaHN
Scale – Etekcity Smart Digital Bathroom Scale w Bluetooth Sync – https://amzn.to/3uZQVNP
1 gallon motivational water jug – https://amzn.to/3h01PuW
Yoga Strap, loops, non-elastic band – https://amzn.to/3rYLCML
Undersun Resistance Bands – https://amzn.to/3I2LnG9
Fitbit Replaceable Bands – https://amzn.to/3yTohON

~Other Favorites~
Collagen Powder – https://amzn.to/3rBZOxD
Calm – Supplement https://amzn.to/3SGYTni
Book – Finding Meaning , the 6th Stage of Grief, by David Kessler – https://amzn.to/3I1mZEL
Journal – Self-Love Workbook for Women – https://amzn.to/3I6TxNC
52 Lists for Happiness – https://amzn.to/3v1eYMv

I created free resources to help you on your financial journey. When paying off debt and saving money are the goals, you don’t need to spend money on a tracker. If you would like to show your support, you are welcome to send it via Venmo, @Liz-Reach.
My Original FREE Budget Tracker: https://docs.google.com/spreadsheets/d/14WtlE3FpAfayCRhQeeeLxxruYQqqydov/copy
My FREE 100 Envelope Savings Challenge, Digital Tracker
https://docs.google.com/spreadsheets/d/1szHuvJgG6WZxjiDETsa38hxzzxXMsGulruL7InIBcAU/copy
YouTube Subscriber Savings Challenge
https://docs.google.com/presentation/d/1i3jL7MIdChZ8rPzeThGxZSLm8JA-eZH1n-x4oVeWFN8/copy

FREE Budget App Mint: https://mint.intuit.com/
TubeBuddy for YouTubers: https://www.tubebuddy.com/LizReaches

Want to shop where I sell?
Poshmark Closet: LifeasLizReachs
Earn $10 for Poshmark with my code LIFEASLIZREACHS, if you aren’t already on Poshmark
Ebay Store: https://www.ebay.com/usr/lizreaches
ATTN TEACHERS Check out my TPT Store: Reach, the Science Teach
https://www.teacherspayteachers.com/Store/Reach-The-Science-Teach

Some links are affiliate links, which means I earn a small commission if you click my link. It’s not extra cost to you and support my small business. Thank you!

Key highlights of 2023 mid-year budget review statement by Finance Minister | BizTech
Subscribe and turn on the notifications to be updated on the latest news and programmes.
GhanaWebTV: https://bit.ly/GhanaWebTV-Sub
#GhanaWeb # #

Chapters:

Playlists:
BizTech
https://bit.ly/GhanaWebBizTech
People & Places
https://bit.ly/GhanaWebPeopleAndPlaces
Bloggers’ Forum
https://bit.ly/GhanaWebBloggersForum
Sports Check
https://bit.ly/GhanaWebSportsCheck
#SayItLoud
https://bit.ly/GhanaWebSayItLoud
The Untold
https://bit.ly/GhanaWebTheUntold
Talkertainment
https://bit.ly/GhanaWebTalkertainment
Moans & Cuddles
https://bit.ly/GhanaWebMoansandCuddles
Sports Debate
https://bit.ly/GhanaWebSportsDebate
GhanaWeb Special
https://bit.ly/GhanaWebSpecial
Sports Debate
https://bit.ly/GhanaWebSports_Debate
Eyes on the Ground
https://bit.ly/GhanaWebEyesontheGround
Trending GH
https://bit.ly/GhanaWebTrendingGH
The Lowdown
https://bit.ly/GhanaWebTheLowdown
Diaspora Link
https://bit.ly/GhanaWebDiasporaLink
Punchline
https://bit.ly/GhanaWebPunchline
Nkommo Wo Ho
https://bit.ly/GhanaWebNkommoWoHo
GhanaWeb Election Desk
https://bit.ly/GhanaWebElectionDesk

Social Media:
Check out our Socials!
GhanaWeb TV: https://www.ghanaweb.tv/
Instagram: https://www.instagram.com/theghanaweb/
Facebook: https://www.facebook.com/TheGhanaWeb/
Twitter: https://twitter.com/TheGhanaWeb

About GhanaWeb TV:
GhanaWeb TV is an advertising-based video on demand (AVOD) and streaming television on Ghana’s most popular website distributing video content such as news and programmes to millions of people over the internet.

GhanaWeb TV started streaming its interactive programmes and compelling news videos on December 7, 2020, with its coverage of Ghana’s 2020 general elections. In 3 days, it garnered 21.9 million views on GhanaWeb and over 500,000 views on GhanaWeb’s YouTube and Facebook channels.

GhanaWeb TV offers 24-hour innovative, relevant, authentic and compelling content on GhanaWeb’s digital channels which can be watched on any device, anytime and anywhere.

Contact us by
– For advertising send an email to sales@ghanaweb.com or call us
– For regular questions send an email to tv@ghanaweb.com
– If you want to publish a (feature) article send it through the GhanaWeb App:

Download the GhanaWeb App on your Android phone:
https://play.google.com/store/apps/details?id=com.ghanaweb.radio

Download the GhanaWeb App on your iPhone:
https://apps.apple.com/us/app/ghanaweb/id1553605701

Watch how to use the App here:
https://www.youtube.com/watch?v=Z4SWdmi0Hos&t=2s

Hi Planner Friends,

Join me for a February 2023 Budget Review. In this video I am recapping the month and sharing how I use the Budget Mom workbook. I am covering goals, income, expenses, debt, savings, cash envelopes, sinking funds and savings challenges. For this budget, I use the Erin Condren Monthly Planner and the Budget Mom Workbook in the boxed set. I hope that you gain some budget and planning ideas from this video.

Budget Kit designed by me and available at Studio Bliss Co www.StudioBlissCo.com
Shop With Me for Stickers and Cash Envelopes on Etsy at Studio Bliss Co.
https://www.etsy.com/shop/StudioBlissCo

Join the Studio Bliss Co FaceBook Group here:
https://www.facebook.com/groups/2867631376833746/

Connect with me on Instagram:
@lifewithniabudgetandplan
@studioblissco

Save $10 on your first Erin Condren order:
http://bit.ly/2R1EPQv

Save $5 off your first $15 or more order with Simply Gilded http://bit.ly/2PvOUnw

Check out my Amazon Favorites:
Sharpie S-Gel Pens. https://amzn.to/3pm025b
Sharpie S-Gel Gunmetal Barrel https://amzn.to/320NyXd
Sharpie S-Gel Gunmetal Barrel (12 Pack) https://amzn.to/3uT3cjV
Sharpie S-Gel Champagne Barrel. https://amzn.to/3qZTbzV
Sharpie S-Gel Frost Blue Barrel. https://amzn.to/2OHVaei
Sharpie S-Gel White Barrel https://amzn.to/3sqvel1
Sharpie Paint Marker Extra Fine Point https://amzn.to/3dOwSJw
Uni-Ball Gel Impact UM-153 White Ink 1.0mm Rollerball. https://amzn.to/32IBt9r
Locking Curved Craft Tweezers https://amzn.to/3wG8UqV
Clean Color Dot Dual Tip Set. https://amzn.to/3u0PL1M
Clean Color Dots Metallics. https://amzn.to/3bfYENo
Clean Color Dots Basic Colors. https://amzn.to/30iqa6w
Ring Light. https://amzn.to/2UkqWgw
Waterpik. https://amzn.to/3nZzRSm
Ring Doorbell. https://amzn.to/31esCMi
Solar Lights. https://amzn.to/3dw16yK
Infrared Thermometer https://amzn.to/3513s4V
Personal Agenda https://amzn.to/2PgKpfI
Personal Agenda Blue. https://amzn.to/2HluYSv

? PO BOX ?
Nia Brown
PO BOX 2463
Elk Grove, CA 95759

Debt Snowball | Debt Progress Tracker | Debt Free Journey Progress

Today we will be going over my current debt balance for my January 2022 Budget.

?Interested in getting started with the Debt Snowball Method, check out this video: https://www.youtube.com/watch?v=nVFYkKKq1jk

?BUDGET SHEETS are from my Etsy Shop
?CASH ENVELOPES are from my Etsy Shop
ETSY SHOP: https://www.etsy.com/shop/monetsmoney

? FETCH REWARDS – Receipt scan app, 2,000 points referral code, URXB9
https://fetchrewards.onelink.me/vvv3/referraltext?code=URXB9

?Instagram: @monets_money : https://www.instagram.com/monets_money/

?Interested in getting started with the Cash Envelope System, check out this video: https://www.youtube.com/watch?v=Ov0sy5AH9PI&t=86s
?Interested in getting started with Budgeting, check out this video: https://www.youtube.com/watch?v=ZXIYpEIOgpo&t=561s

?SHOP MY BUDGET SYSTEM:
-Pink Cash Envelope Binder: https://amzn.to/3aoUHpm
-Gel Ink Fine Point Pens: https://amzn.to/37lpnG8
-Wallet: https://amzn.to/3b7lghW
-Calculator: https://amzn.to/2ZnHw1A
_________________________________________________
?SHOP MY FILMING SETUP:
-Tripod: https://amzn.to/2ZkinEW
-Small Ring Light: https://amzn.to/2ZkGO5a
-Large Ring Light: https://amzn.to/3o69Ot4
-Microphone: https://amzn.to/37jiGEA

Thanks for watching and stay tuned for more videos documenting my debt free journey. Don’t forget to hit the subscribe button and click the notification bell so you never miss a video.

Stay Safe Everyone!

#DEBTSNOWBALL??? #DEBTFREEJOURNEY??? #DEBTTRACKER???

DISCLAIMER: LINKS MAY OR MAY NOT BE REFERRAL/AFFILIATE LINKS THAT PROVIDE ME WITH POINTS/ REWARDS/COMMISSION.

Hi! In today’s video, I was so excited to share our debt progress that I forgot to hit record and did a rehearsal run before actually recording this video or our debt review for January 2021. ?
Hope you enjoy the video!!

Answers to your burning questions:
What is your Instagram handle?
• its_brendle – https://www.instagram.com/its_brendle/

What planner do you use for your budget?
• Erin Condren – https://www.erincondren.com/referral/invite/brendacline/1
*If it is your first time buying & creating an account, you will get a $10 off coupon your first purchase and I will also receive a $10 coupon*

Where can I find this sticker kit?
• Caffeinated Cait’s Etsy page – https://www.etsy.com/shop/CaffeinatedCait
• This kit is called January Crystals
• I do cut and modify them a little.

What pens do you use?
• Sharpie Gel pen 0.7 (black)
• TUL pens (all colors except red)
• Pilot G-2 07 (red)

What camera do you use to film?
• GoPro Hero8 Black

What free editing software do you use?
• Shotcut – https://shotcut.org/download/

What program do you use for my intro, outro, & thumbnails?
• Canva – https://www.canva.com/join/asking-backdrop-malaga
• I use the free version
*If you use this link, we will both receive Canva Credit towards premium elements, such as images, illustrations, icons, and music*

What color nail polish are you wearing?
• Moon River by Lights Lacquer – https://lightslacquer.com/products/moon-river
• Tuxedo Black by Lights Lacquer – https://lightslacquer.com/products/tuxedo-black
• Paper Snow by Lights Lacquer – https://lightslacquer.com/products/paper-snow

DISCLAIMER: The links included in this description might be affiliate/referral links. If you purchase a product or service with the links that I provide I may receive a small commission. There is no additional charge to you! Thank you for your support!

Hi! Today’s video has our progress for our debt in October 2020. ?
Hope you enjoy the video!!

Answers to your burning questions:
What is your Instagram handle?
• its_brendle – https://www.instagram.com/its_brendle/

What planner do you use for your budget?
• Erin Condren – https://www.erincondren.com/referral/invite/brendacline/1
*If it is your first time buying & creating an account, you will get a $10 off coupon your first purchase and I will also receive a $10 coupon*

Where can I find this sticker kit?
• Caffeinated Cait’s Etsy page – https://www.etsy.com/shop/CaffeinatedCait
• This kit is called October Pumpkin Patch
• I do cut and modify them a little.

What pens do you use?
• Sharpie Gel pen 0.7
• TUL pens
• Pilot G-2 07

What camera do you use to film?
• GoPro Hero8 Black

What free editing software do you use?
• Olive – https://www.olivevideoeditor.org/

What program do you use for my intro, outro, & thumbnails?
• Canva – https://www.canva.com/join/asking-backdrop-malaga
• I use the free version
*If you use this link, we will both receive Canva Credit towards premium elements, such as images, illustrations, icons, and music*

What color nail polish are you wearing?
• Thumb – Mindy by KL Polish – no longer available
• Index – Unfortunate Souls by KL Polish – no longer available
• Middle – Mia by Lights Lacquer – https://lightslacquer.com/products/mia
• Ring – Lumiere by KL Polish – no longer available
• Pinky – Zoey by KL Polish – no longer available

DISCLAIMER: The links included in this description might be affiliate/referral links. If you purchase a product or service with the links that I provide I may receive a small commission. There is no additional charge to you! Thank you for your support!