How to Create Your July Budget in Under an Hour (Before Your Iced Coffee Melts)

 What if we told you that your July budget can be done and finished before your iced coffee melts? Listen, nobody wants ice coffee, that’s melted. Hello. But we know that July is coming in hot. If you’re like us and you’re in Florida, it’s been hot. That ship has already sailed. But either way, you’ve got a lot of things coming up.

You’ve got your July 4th parties, you’ve got summer camps. You’re probably traveling the world. Literally the whole month of July maybe. And we want you to be able to be prepared for it and ready to go. Yeah. So this, in this episode, we’re gonna walk you through exactly how to close out the previous month and how to make July’s budget so that way you have a plan set in place for your money.

Yeah. So we’re gonna go step by step. You can follow along with us if you want. You can go to budgetbesties.com/budgettemplate. We have a free printable. You can follow along with us, fill it out, and we’re gonna go through it step by step right now.

All right, so the first thing that we do, mm-hmm. Before we do anything else is we want to wrap up the month before, in this case, June. Yep. So if you look at this budget, they already pretty much went through the month and, and you know, as things were happening, they were, they were tracking along, they probably had their budget session meetings, but they’re.

With their husband. And we’re just going through at the very last bit of the month to make sure that everything closed out before we move forward. Yeah. And so if, and even if you aren’t following along, if you’re, if you have a budget, all you, what you’re gonna do is here at the end of the month, you’re gonna look at it, see what I need to finalize what I need to finish up and see, you know, where, where we’re gonna close out the month of June before we move on Yeah.

To July. So the point here is like we put, put numbers in that were budgeted and now we wanna go back and look at the actual numbers and we don’t have. There’s no like budgeted column versus actual column. We’re just gonna completely replace the numbers because what it does, our amazing budget system is it transposes the numbers for next month and it updates them for you automatically.

For example, this, the, these folks have almost done everything in their budget, so we’re gonna give them a, a gold star, but as happens almost every session that we have with clients. Some of these, some bill is magically gonna go up. So for them, for example, they have a serious bill SiriusXM. Instead of it being $10, guess what?

Now they just got, they just get to up their bill by $2. It never goes down. That’s one thing I’ve noticed, never goes down. But you wanna go ahead and do something like that. Like if a bill went up, even if it’s a little bit, let’s go ahead and update it that way. Like Vanessa said, I will know for the future, but also I can know what actually to do with my hands, with my money.

Yeah. And so we wanna go ahead and check off and to go. Okay. Those bills already did come out that I’m good to go. I already pulled out the money that I need for July, July 4th party because at the beginning of the month and my paycheck dropped. So I wanna pull that money out. So I’m gonna check out that I already did that.

Brett’s party happened at the end of the month. Yeah. But also maybe you ended up spending $60 Yeah. On Brett’s birthday. Maybe he was his present. Got a little boogier. Okay, so then we’re able to like close it out and say that’s actual numbers. And we’ll remember next year for Brett’s birthday that he, you know, we’re gonna update that in our, our savings bucket tracker.

Yeah. And so he got his 60 bucks. But now we notice, especially on our budget, and we want you to buy our budget system because it’s gonna make your life easier. You can go to budget besties.com/budget and get it, but our budget system will help you do the math. So now she, this person knew that they were gonna pay extra on debt.

Right. Well now they know that because they went a little over budget on the Sirius XM bill and a little bit on the birthday gift, then they’re actually gonna have to change the amount that they can pay extra on jet on debt. Yep. So if they just delete the amount, like if you don’t wanna do math, you just delete it.

There you go, is a hack right there. And at the very top of our budget, it tells you what the total remaining is. So now this person, instead of putting $880 on debt, they’re putting $868 extra on debt and they’re good to go. They’re gonna check that off. They’re gonna make that payment right now. Yeah. And the other thing that you would do to close out the month of June is go look at your, you would want to ch update your debts and your assets and just make sure everything is adding up the way it’s supposed to. That’s what we would do with you. We would make you do it if you were coaching with us. So we wanna make sure like you, all of your savings buckets happen, right? So for the most part, they should all go up, save maybe one or two that you use here or there possibly.

So that’s definitely something you need to do. Update those and then you’ll have a full picture of what’s going on with your budget and your money. Yep. All right.  So now that we have. Fully updated and closed out. June, we are going to create July’s budget. Now, if you notice, if you’re following us on YouTube, if you look at it you’re gonna see different people, different numbers.

It’s because we wanna show you different budgets as we move along month to month. If you’re on a podcast, if you want to follow us on YouTube and see it visually mm-hmm. We would invite you to go to our, our YouTube page. It is budget besties. Two, the number two. And you can see our budget system there.

Yeah. And so this month we’re gonna start with income. We always start with income. And these folks, what we want to know is this is a $12,000 a month budget. That’s what we’re working with this month. And you want to, with the income you wanna list. All of your income sources, right? So we obviously know you’re gonna it list your paychecks, but if you’re gonna get a bonus check or a commission or a tax return or anything like that mm-hmm.

You definitely wanna put that in this column as well. Yep. And if you look at July’s budget for this couple, this is a. They get paid weekly, so they have five paychecks going into this month each. So they have a lot going on and they’re gonna have a lot extra. So it’s a lot of fun to be able to create this budget for them.

And this is actually a client’s budget of ours. Yeah. And I, I personally, we or we, we both like to go in and put the paycheck dates in there so that we can really see what the month is gonna look like. Mm-hmm. And sometimes you’re gonna find out, oh, there’s you know, an quote, unquote, an extra paycheck maybe or not, but you wanna know those dates.

Mm-hmm. So, like Vanessa was we were talking before we recording is. Some people thought that July was gonna have three checks because they have, they get three checks, but the actual last check in July or June or whichever month is actually gonna go for the next month. Mm-hmm. So we wanna put the, the dates and know when those are dropping.

And the other, the other thing here is. With weekly paychecks. Sometimes people have a definite amount and that’s great. Or it’s not even just weekly, any paychecks. We are still gonna come, we’re gonna put a baseline here, but understand that if we need, we can come update them as they drop. If you get a little bit more or a little bit less, we can update the, the budget that way.

Well, that’s actually a good point ’cause I wanted to make a point on this person’s budget, so. Her husband’s income is very consistent. Her income is not because she is a nurse, so it depends on how many hours she works. So with this one, we are putting a baseline that she knows she’s not gonna make any less than $600 a week working her job.

However, we have seen it go up to seven, eight, $900 a week, and, but we wanna know that her budget is completely made and done off of the least amount of her bringing in. So that’s really important if you, we, and we suggest that you make your budgets that way as well. Yeah. And if you can see on these, these, these folks are getting, quote unquote an extra paycheck mm-hmm.

In the month of July because of the way everything falls. So this is, but where is that extra paycheck coming from? It’s coming from June. Yeah. That’s what we wanna show you. So if you look at this, it says the 26th. That is the 26th of June. Both of them, they get paid weekly on the same day. So it’s the 26th of June that’s coming in.

Then we have July 3rd, we have July 10th. The 17th and the 24th. If you notice, we did not put July 31st paycheck in there because that is going for August. Yeah. And again, this works because of the way that their, their dates fell. But you’re always, when it comes to your paychecks, we always want that last one of the month to go for the next for the next month.

The only time that it works is if. If you are gonna have another one, maybe on the first, right? Mm-hmm. Even if it’s on the first, if, if that, that, that way you can start to count that for that month. But usually most months, the last paycheck of the month is actually gonna go for, for the next month. Yep.

And so anyway, you just wanna put all these in here and like Vanessa said, the. If you do have something that vari varies, make sure you just have a baseline amount for your income. You are gonna put that in there mm-hmm. And match up all the, all the pay dates. It’s gonna make you feel really good about what’s coming.

Yep. All right. So the next thing that you wanna list after you have all of your income done is list out your minimum debt payments on the debt section. And we said minimum. Yeah. We know that you’re attempted to, to pay a little extra here and there or, or maybe just plan to pay $10 more. Nope. We are going to list.

Oh, and not only list, but only pay the minimums for every single debt that you have. If you already have it auto set for 50, but it’s actually 33, you’re gonna go back and change it to the minimum payment amount. And so you, you’ve heard us, right? Yeah. And you’re gonna keep that and understand that we’re gonna get to paying extra on debt later.

Mm-hmm. It’s just not right now, we need to see what your budget is actually capable of. What you can do. What money is available, so forth and so on. These, this couple, their goal is to pay extra on debt. So you see that label like it’s there, we’re just not there yet. In filling out the budget, there’s a system and an order on how we do things, and it goes income, minimum debt, payments, all of your bills, all of your spending, all of your savings, and then we go back to extra on debt.

Yeah. And I have a client, I’ll tell you, we want, we are gonna have you set this all up to pay automatic, but your, you might have a credit card or a loan that sort of fluctuates as you pay it down or as you pay it. Or in the worst case as to add to it. Right. But you’re, so you will, you can always update that.

We still wanna put whatever we think that minimum payment’s gonna be. You can update it and change it to the right amount as you get the bill. And then we’re also still gonna put it on autopay, because guess what? You’re still going to have to pay it. Mm-hmm. Even if it goes up a few dollars or down a few dollars, it.

That doesn’t matter. You can still put it on autopay ’cause we’re still going to put it in the budget and figure out. ’cause you have to pay it. It’s a bill that you have to pay. It’s not, it’s not an option. So, right. No.

 All right.

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And. And it’s going to give you permission to spend everybody loves that. Yeah. It’s straightforward, pretty impact with walkthrough videos. That break down the exact methods we use with our clients to get out of debt set up a bills account, separate spending bills, savings buckets, and end the. Paycheck to paycheck feel. If you’re new to budgeting, this is the perfect way. To jump in and if you’re already a budget nerd, like us you’re about to meet your new obsession.

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  And then the next thing we wanna do is list all of your bills for the month.

Now remember, we define a bill as anything with a due date. Anything that’s reoccurring that you’re getting charged for on a regular basis, that is considered a bill. Yeah.  So here you can see. They’ve got everything. They’ve got stuff that you might consider a need and stuff that you might consider a want.

That is not something that we’re looking at with bills. We’re literally, like Vanessa said, just looking for stuff that has a due date. So you wanna list all of your utilities, your mortgage, your, if you are tithing or giving to charity, all of your subscriptions, right? All of the little bills. Even if you have something like pet food that’s on a sub monthly bill.

We’re gonna put that in this list so that we can have everything that we know has to come out. For sure as a bill. The same amount ish, give or take every month. And if you see, we have his gym, we have her gym, we have babysitting. We have. Their insurance, like all of it is listed. We have his Xbox subscription.

Mm-hmm. Like all of it is there. Yeah. Right. And I also think it’s really important Vanessa put in there that the tithing is done weekly. And I like that because as you tithe. Huh? You wanna, you wanna be able to check it off, right? And if they’re gonna do it each week as their checks come in, we don’t necessarily want you to have one lump sum.

We want you to be able to check it off as you pay it or as it comes out automatically based on what you’ve programmed. So that’s a good note there. And remember, this is a five week month for them. So we have that listed for five weeks. And this is their. Daycare, which also is paid weekly, which also we had to add a week before this month.

So, yeah, so it is, if you’re, if you’re listening, there is a line item called Powerhouse that’s their daycare. And it’s important to understand if you, this is why we say there’s no such thing as an extra paycheck because these bills are weekly. Right. Which by the way, if you can ever not have weekly bills, we’re so forth, but some of them you can’t help.

Yes. But you, as you get to add in that paycheck, you also need to add in the corresponding bills that are weekly. Mm-hmm. So, yep. So that’s the bills. And, and if you wanna pause for a second, we told you this is a $12,000 budget before we get done, we get out of the debt column. They’ve already spent $800.

Right. They’ve already got 815 just in their minimums. Right. And then we’re looking at, you know, when we talk about how much do you cost, their bills are 5,300. Okay, so we’re, we’re done with sort of the obligations and we have $6,000 left in this budget to work with, play with. That’s really fun. All right, so after you do your minimum debt payments and you list all of your bills, the next thing you wanna do in your budget is list all of your spending.

So spending this is, we like to say, this is where you live in your budget. This is where you’re buying gas and groceries. You’re going to target, you’re taking the kids to goofy golf like you’re going out to eat. This is where all that happens. So they love to shop at their local market. So she’s a super fresh crunchy mama. And so she actually, I don’t know where she lives in the world or in the us but her, her grocery budget is actually really.

Conservative and she has two kids, and now they are younger, so they don’t, they don’t have teenagers like Shane and I are have, where they eat you outta a house. But they, she is actually loving her grocery budget. It is a perfect amount of money that they need, and if you, if you add it together, it’s about a thousand dollars a month.

In food and then we have their their gas. Yeah. And you can see that they’ve broken it out as well for family funds. So we want you to understand that you’re probably gonna go to restaurants, like Vanessa said, you’re gonna maybe do a goofy golf or a bowling or whatever. You wanna have that in the budget.

Let’s plan for it on purpose. It’s probably going to happen. Mm-hmm. So so let’s put a money an amount to it. You can call it what you want. Like we said, we call it family funds. Some people call it just restaurants or whatever. Entertainment is another one. And so, and I actually had a couple this.

This week that I put in alcohol budget for. So what, just the, the point here is if you’re gonna spend the money, let’s Right. Plan for it on purpose. Make a line item. Yeah. And, and, and a little bit of a budget too. A little guardrail. Doesn’t mean we can’t, but we just wanna know that we are spending our money on purpose.

Mm-hmm. And if you maybe you have a spending account and you’re putting money in it. But it’s an unrealistic amount of money meaning it’s not enough, and you always find yourself pulling from other accounts to fund your life. That means that what you have in there is not right. It means you need to go back and readjust your budget.

You need to go back and look at realistically how much you guys spend during the month. So you make a budget that you’re going to stick with, that you are proud of, because otherwise you always think you’re failing. You always think you’re bad with money. You think that it’s a you problem and it may not be a you problem.

It just may be a math problem. Yeah. So the reason that your spending is here is you have now seen how much you make. You know how much we just talked about your debts and bills.

This gives you an idea to see how much you really can put, and like Vanessa said, you wanna take. Something realistic. You, you wanna make sure you have the right amount, but it’s also letting you know as they built this budget, as you build your budget, they can see, well, we have $3,500 left. If I find or left to figure out what we wanna do with, if I find that I don’t have enough money for groceries, I at least I know I’ll have room to up that budget.

And so when you’re making your grocery budget, you might find yourself connating about the perfect amount. Go, like estimate a little over. Mm-hmm. And if you meet that or come in under, let’s change it for the next month. Okay. But don’t like break your back about this and understand that we’re building our system is very special and that we’re having you build this so you can see, it’s like you’re filling in, you’re on the what is the game of life path, and you’re going one step at a time.

And I can see clearly how it’s building, how all the numbers are gonna work together. Well, a lot of people will make a budget and maybe fail at it the first time and then like, throw it out. Yeah. And go, this isn’t for me. I can’t do this. But realistically, like Shayna said, you have to give it some time.

You have to figure out what the right amount of money is for you, and you’re not gonna get that right on the first shot. And that’s okay. You’re not, you’re, maybe you’re not supposed to because this is the first time you’re ever putting on paper what you’re actually doing with your money or what you wanna do with your money.

So put a number in, maybe based on doing a 90 day audit, which we’ve talked about, going back and seeing what your normal spinning habits have been in the past. If, and then enter that in, if that’s right, or it’s too low, or then adjust it. Mm-hmm. That’s, it’s okay to do that. It’s your budget. Yeah. And as you can see, Jared has his own haircut, money, haircut.

For guys, this is a whole spending. Line item. So is beard trimming? Yeah. That we have to like, work with. And it’s not just the husbands, sometimes it’s the kids, the sons, whatever, but haircuts, that is something you’re gonna spend money on. Mm-hmm. So that’s why it’s over here. We wanna try to plan for it as best as possible.

Whether they do it weekly, biweekly whatever. Just make sure that you’re planning for it and put it in there. And there’s a way for you to allocate. Money toward it. Mm-hmm. Or, or assign money toward it so that you don’t try to figure out where it’s coming from in the moment. Right.

 All right. So if you look at the bottom, we have this little column here that we like to put in our client’s budget that says this month.

So if you, if you can look at this budget, if you’re on the podcast, you understand when you make a budget, it’s pretty consistent. You have your income, your minimum debt, payments, all of your bills and your normal spending, like gas, groceries, restaurants, family stuff, kits. But then there are things that happen that are month specific, right?

So maybe there’s a birthday party. Maybe there’s a 4th of July party. Maybe there’s a summer camp and you haven’t built your savings buckets yet. Maybe you’re not at the point where you have that and you need to budget in the moment for these things that are coming up. So we’re gonna list those for you.

All right, so for this month, for this particular couple, they have 4th of July, they have a camping trip. They’re starting to save for those school supplies. Look. It’s coming faster than we think, and depending on how many kids you have, how many supplies they need, you might need a couple months to set, set aside, or you might wanna have it set aside.

So if there’s a deal or tax free weekend or whatever, you have the money there and you know it’s there. Mm-hmm. They also have a medical bill that they’re, they know that’s coming. And a summer camp, a nice cheap summer camp. How nice for them. I know. Lovely. That’s really nice. So she knows she’s gonna the doctor’s and she knows she needs this money and she’s gonna transfer it into her spending account.

So she doesn’t use her Bills account at the doctor’s office and she’s gonna pay for this. She already knew how got the amount that what it’s gonna be. But look, she has this month specific, she’s got $700 extra. If you add all those four, call all these lines together, it’s gonna tell you exactly how much extra she’s got this month to be able to have to budget for on top of the regular gas groceries.

That, you know, the, the normal amount. Yeah. And so when they put all of this together, they can see that they’re spending $3,000 this month. I, like Vanessa said, there’s some particular special expenses. Maybe make it a little higher. But it’s interesting I think, to see this is how much I make, this is how much goes to debt.

And remember we didn’t mention it. We mention it every time, but we didn’t mention it yet. The deck column is there. Because we know it can go away. It can vanish, it can disappear line by line and do the the in the vanishing act. And you won’t have to have that. But for them, it’s good to, it’s cool to know that they have $12,000 in income, $805,000, 5,300, whatever is going from my income to bills.

Now I know 3000 is going to savings. Mm-hmm. Yep. So the last, or suspending, sorry. It’s okay. So the last thing that we have to fill in, Shannon, was alluding to is our savings section. So when we. Build your budget. We talk about income, debt, bills spending. The last section is savings.  And that is really, you know, if you haven’t built your emergency fund up or your starter emergency fund up, this is where you wanna do that.

This is where you’re building all of your savings buckets, including Christmas and annual bills and things like that. Yeah. And one thing that you might want to think about is, you know, I think Vanessa said it about another client recently. Like they weren’t focused on their savings buckets at first.

They were focused on. Paying on extra on debt. Mm-hmm. So they were just, as, some little things came up, they, they paid for them in the month, but then also probably said no to a lot of things until they hit their goal for extra on debt. However, most of you come to us and be like, look, this is my life. I wanna be bougie figure.

Help me figure out how to do it. And so how, how do I do both? And so you’re going to use a savings bucket tracker that we actually have, and you sort of brainstorm what things do I want, I need to save for, whether it’s Christmas, a specific trip or general travel budget. I have a client that’s saving for an Alaska cruise.

She found out, hey, this is a pro tip. She has to book it. She’s like logging in every day so that she can book it for 2027. It was, it’s already, oh my gosh. Booked out for the entire month or year, whatever, 26. 26. Yeah. So, but I’m like, Hey, the bonuses, you have so much money in that travel account by the time you book it, girl.

But so you just wanna figure out annually what these different, different ones that are unique to you, what they are how much they cost, and then you can start setting aside for them monthly. So if you look at this budget, we’re gonna scroll down and show you that they are saving about a thousand dollars a month.

For their savings buckets right now. That is what they chose. They decided to not take that extra thousand and put it on debt. They wanna use it, like Shayna said, they wanna be bougie, they wanna do, they wanna pay off debt and also live at the same time. So they are saving for these things. But the reality is, is a lot of times we go into debt because we have it saved for these things that are happening.

Mm-hmm. So maybe you could cut out travel. Okay. Maybe you could cut down Christmas and cut down gifts. But, but you always are gonna have annual bills. Your kids are always gonna have stuff that come up. You need clothes, right? The kids need clothes. That’s a thing. Your, you maybe you house filters, water filters for the home repair stuff, like that’s always a need.

Your pets need their annual visits and shots and things that, that you do for them. So a lot of these things are just saving for quote unquote bills that are coming up in the future that you need to pay for. So it is smart to go ahead and try to get those going if you can. Yeah. And you can tell that these are starter.

Yeah. We’ll, we’ll call ’em starter, starter amounts because. You know, that’s not gonna amount to much, but for many of you, it feels really nice to know at least a little something is starting to stack up that’s gonna take the edge off of those big expenses that come up. And so you should be happy to do that, even if it’s a little bit, even if you, you still want your main goal to be extra on debt.

Getting in the habit, I think it’s a good habit to get into to have these savings buckets, have ’em named, have a little bit of money going in there, watching it stack up. That will even actually motivate you to get to the point where you can make those numbers bigger. Mm-hmm. So, yeah. Alright, so if you look at the very top, you see that they’ve had their, they have their total income at $12,167.

We’ve budgeted so far, $10,374. And then we have a remaining $1,793. So look at this budget, if you can see on YouTube, if you’re on podcast, sorry about your luck, but if you are on YouTube, look at the amount of. Things, this budget, the amount of things that this their money is doing for them this month.

Mm-hmm. They are doing a lot and living a pretty good little life over here. Okay. But they still have 17, almost $1,800 left. And they know that what they wanna do with it is put on debt. Yeah, it’s really exciting. So he has money for his XPO games, so he’s probably really excited. Mm-hmm. You know what I mean?

And like she’s feels, I know she feels amazing having all those savings buckets start to stack up because that’s probably, she’s been trying to figure out where the money is gonna come from for a while. Right. So everybody’s winning. They each, each person in this budget has. Spending money of their own $300 of their own to do whatever they want with the kids, have money set aside for them.

She knows where the cash is coming from. When she goes to these, these farmer markets like every buy, everything is done and they’re paying 17 thou or $1,700, almost $1,800 on debt. That’s really exciting. Now imagine if she said, look, I don’t wanna do any of these annual, like these savings buckets. All I wanna do is pay on debt.

We can take all of this down except annual bills because that’s a bill. Like, that’s, we’re just gonna save that. So she really, they really could, if they wanted to put $2,500 on debt in the month of July. Well, and, and this happens huge. Yeah, it is huge. And it’s also, this happens a lot. July is a big expense month.

Right. They’re just getting started maybe with budgeting, so they haven’t been set setting aside. Right. That’s also $700. That hopefully doesn’t have to come out every month, but maybe it does. So. There’s options here. They have options. And so when you’re budgeting for July, you want to remember these things that are, we’ve already said.

Mm-hmm. Like maybe you’re gonna a camping trip, maybe you’re traveling the world like Vanessa, maybe you have a 4th of July barbecue that you wanna have. You might have specific doctor’s bills or medical appointments that you’ve set up. You might wanna be setting up for setting a aside for school supplies.

Mm-hmm. Or like bougie water bottles that they’re gonna want for their school or back to school clothes. That’s really the big one. Yeah. And then there might be some summer camps too in your so you really just wanna think. What’s unique to you in July. Mm-hmm. But and then also maybe you have a specific goal, like Vanessa said these, this couple was like, let’s start conservatively doing our savings buckets, but our big goal is extra on debt, but there’s other goals that you might have.

Mm-hmm. Yeah. So, you know, for my clients, the, in the month of July we, Shane and I just had the privilege of making most of their budgets this week, and so they’re saving for little summer trips. They’re saving to pay off debt. Like that’s a huge one. I have a client who’s starting her business. So she, we spent the month of, month of June and July, sitting aside probably about $3,000 for all of her business startup costs.

She’s making stuff to go to farmer’s markets and sell, and she needs tablecloths and signs and all that stuff. So that was her big goal this month was to be able to fund that in cash. That is so fun. Yeah, I love that. Starting starting at the speed of cash and then growing with the speed of cash.

So I have a couple different clients. One of my clients, her husband’s ready to quit his job, like he’s ready to walk out. He said he’ll get another one. No matter what, like he won’t, he’s not just gonna leave them with no income, which is great, but she wanted to set aside at least one month of paycheck.

For him in a paycheck account. So they’re gonna finish funding that actually early. They got to, they got they got ahead a month on that. So that was really exciting. And then her, in her business. So she has lots and lots of real estate. I shouldn’t say lots and lots. She has several real estate properties.

And her goal, she’s gonna, she wants to be like us, Vanessa. She’s gonna get like us and be a whole month ahead. So to run her real estate business costs $15,000 a month. So right now. It’s, you know, we, I talked to her yesterday, so that was actually June 18th. She has $9,000 in her income holding account that she doesn’t need to use to get through June.

She’s close, so she will get there. She’s gonna get there by, and so her goal is by June 30th, she’s going to be able to move $15,000 over. To take care of all the bills for the entire month for her business, and then anything extra she’ll be able to put towards many goals that we have for her. Awesome. And so that’s very exciting.

So that’s one thing she’s doing. I have a, another client, she is a therapist and so she started working side hustle version of that. She has certain appointments with them and she’s using it to pay for all the bougie things that she wants to do for her sister’s wedding, which is fine. Like, oh, how fun.

Sweet. That’s what I told her. So sweet. She’s, she’s kind of like feeling a certain kinda way about not being able to pay off debt and I was like, your sister. Hopefully only gets married once. Right. Like, this is why you’re, you’re doing this. So don’t feel bad about it, but it’s also really cool that you’re finding a way to pay for it.

’cause it’s not cheap. Mm-hmm. Okay. The eyebrow appointment alone. Okay. I’m not, I’m just like, look, it was not cheap. So she needs, her goal is to make $1,600 on top of her business expenses in order to pay for that. So that’s exciting. I also just, I have a client, they are looking at their July budget, realizing his overtime has ended.

Okay. He had all kinds of overtime and that was really funding a lot of their savings buckets. Mm-hmm. Not the regular budget at least, but their savings bucket. So now he knows he, if he wants to, if they wanna fund any of the savings buckets, he’s gotta do some side jobs, which he’s very capable of doing, but he knows exactly how much he has to make, and that’s sort of the way that they’re looking at July.

Well, and he would’ve not, he would not have been able to do that without a plan. Yeah. Like without somebody sitting down and showing them like, this is exactly what you need. Then you’re good. Like you’ll be good. Mm-hmm. Yeah. And then my last client that I, I was thinking about, she is a teacher and so her whole plan in July is to save as much money because she doesn’t get a paycheck in August, and we didn’t start working together soon enough for her to save for that.

So that’s her big, big goal in July is like, save as much money so that I’m not completely broken. August, that’s, I mean, that’s a great goal. Mm-hmm. I like it a lot for her. Yeah. With the long-term goal of having. A paycheck set aside for that month that she’s short. So that’ll be really good. Actually, Shana, one of your upcoming clients is a, also a teacher, and she’s only working this summer because she has to, right?

That’s the same with her. Yep. Yep. And I know that you’re gonna get her to the point where she can actually take the summer off and she doesn’t have to go into the school system and work those summer jobs. Because she has planned ahead of time. Yes. And I know she’s gonna be so blessed to be able to, to, for you to walk her through that.

Yeah. And we do, we want that for all you teachers. So maybe we’ll do a podcast episode specifically on how to do that for you. But we hope that this has been helpful for you. We hope that you make your July budget. We hope you stick to your July budget. Mm-hmm. We hope you have all the fun in July. But, and it’s all paid for.

You know, if you loved watching us use this system, if you’re on our podcast, you know, we’ve heard you, you. You’ve heard us talk about our our wonderful system, but you can grab it and take a look at it. It’s at budget besties.com/budget.