welcome to another financially fabulous
episode I'm Limor and I gotta tell you you
do not need to be a financial planner to
be crushing it with your finances I'm
not in today's episode I've got my good
friend Jessica Moorhouse here and we're
gonna be talking about the best tips for
budgeting come on this will be fabulous
I've got my good friend here Jessica
Moorhouse from JessicaMoorhouse.com
budgeter podcaster youtuber and I'm
super excited to have you here we're
talking about some budgeting awesome
awesome so you're doing lots in the
space tell everybody just a little bit
about you sure so a quick little bio
about me so I am the host of the Mo' Money Podcast
a personal finance podcast and
I also blog about personal finance at
JessicaMoorhouse.com got my own YouTube
channel make sure to check it out well
Link it up below yes and I love talking
about money and specifically budgeting
it is one of my favorite topics that I'm
very excited to be here for this episode
yeah it's awesome that you're here
because as everybody knows I like to
talk about how to make more money and
while it's super important you gotta do
a good job of managing the money that
you actually have so super cool to have
Jessica here on the show today
absolutely so tell me a little bit
about your experience with budgeting and
how you came to like love the numbers
and how it works so much sure so I kind
of discovered budgeting budgets all that
kind of stuff when I first moved out of
my parents I was back in I think
2009-2010 and I had no idea what to do
with the money that i was earning and
the money i was earning it was going
away in a POOF and i had no idea what to
do so i started researching as you do
looking on YouTube and blogs and reading
books about personal finance and I kind
of realized the everyone kept on talking
about how important budgeting was it
sounds really boring to me but I'm like
okay I'm give it a whirl so I you know
opened up my excel spreadsheet I'm
started making my first budget and that
budget has evolved over time to what I
now call my crazy simple budget
spreadsheet they like to share with
everybody it is super simple obviously
and it's just a really great
roadmap to kind of put all of your money
data in there to give you an idea where
you can go with your money so one of the
things that I hear a lot is like
budgeting is like a icky or an ugly word
or like it's gonna take so long or so so
much time how much time do you spend
budgeting or keeping track your budget
every month well once you you know have
a budget once you kind of put all of
your stuff in there to go you really
only have to change when something
changes in your life your, you know
salary changes get a promotion you move
something drastic changes that's when
you have to update your budget otherwise
you pretty much stick to the same thing
same kind of thing month by month and
you've got kind of going on that way
exactly i say the the thing that may
take a little bit more time is tracking
your spending that's kind of another tab
of the budget spreadsheet that I like to
use so once a month have a little money
meeting with your partner or if it's just yourself
just hang out with yourself for now
I like to hang out with with myself have a glass
of wine. There you go now you
are married right I am do you do a
budget together with your husband or
gonna have your own how does that work
so yeah so when we we've been together
for 10 years and so at first it was
very separate and is he in all the spreadsheet he's done
he's not in all the spreadsheets
really he only came into the spreadsheet
situation once we got married okay and
he got in there um but even when we were
living together we kept everything
separate yeah sense financially and once
we married you know we moved here and he
kind of made the conscious decision okay
we still don't like pool all of our
money together that this doesn't work
for us we kind of do a separate but
together situation cool we'll talk about
now like that after because uh yeah I
like to talk about that but so give us
like your top three budgeting tips sure
okay so i would say number one if you
don't have one get started right away
the big reason why people you know get
into debt or run out of money and are
stressed about money because they don't
have a budget and for everyone who's
wondering what exactly is a budget it's
just a spending plan it is a plan a
guide to show you how to spend your
money and how to save it so that is the
number one too if everyone have one have
one okay haha number two is i would say
if you are in that
a couple relationship talk about it if
you know especially like if you were
like me and my husband we were living
together we did have lots of joint
expenses talk to them to see if they
want to kind of join up with you in the
budget or have separate ones but
basically open that communication so
they know that you're on the same page
and then I'm always super important when
budgeting with someone else and you have
expenses together alright so the third tip I have which is very important is
really monitoring your cash flow it's
great to have a budget but if you're not
using it and you're always going over and
certain things you really need to look
at okay what's the real reason I'm going
over which is a big reason why you need
to track for spending it will probably be
very evident that you're like okay
you're spending too much on eating out
you're spending too much on
entertainment you need to cut that cable
so you really want to make sure that
your budget aligns with your needs and
your want it has to be realistic for it
to work but you also have to kind of
look at your spending to see how to make
your spending work with your budget
awesome those are really great tips so
that brings us to our tweetable today
think of your budget as a way to
actually get what you want what I love
about what jessica is saying is that
it's it's about really figuring out what
it is that you want to spend your money
on in your life and then a budget will
allow you to allocate your money to
there rather than just spending all over
the place and then not having any money
to do the things that you really want to
do right so our challenge for you guys
today is to download Jessica's my simple
crazy budget which we've got linked up
below and won't we'd love for you guys
to test out is creating a budget so do
it for one month put in all the
information track it for that one month
and just see how you go so hopefully you
learn something this video and if you
did give me a favor and subscribe to my
channel I've also got Jessica's channel
linked up below so make sure you go on
over and hit subscribe on her channel
she's got lots of great videos she's
got an awesome podcast and a couple
other things so we'll link those up for
you below and if you're looking for even
more tips and tricks and inspiration come on
over to www.Limor.Money I've got lots
of great resources for you to download
remember I'm not here to change who you
are and neither is Jessica we just got
strategies to make you even more
financially fabulous!
thank you so much for watching and we'll
catch you next time till then stay
fabulous
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