LOWEST PAYCHECK IN MONTHS | December Budgeting in YNAB to Finish Gifts & Fund Christmas Travel

Welcome back to Piggy Bank Tales! This video is a great example of real-life budgeting. This is officially my lowest paycheck in several months due to taking a sick day and an unpaid day off before Thanksgiving. The money is tight, but the pressure to fund the holidays is high!

My strategy this month is all about prioritization. Watch as I allocate every dollar of this lean paycheck to cover essentials and crush two massive December goals:

🎁 Gifts DONE: We are finally allocating the final cash needed to officially fully fund my Gifts category! Major win!

🚗 Travel NOW: We start aggressively funding the Family Visit category for my travel costs during Christmas week.

Wants vs. Needs: I check in on my two Wish Farm items, including the Wireless Mic, and explain why they have to wait this month.

Emergency Fund Consistency: We manage to put in a little bit of cash to the 3-Month Emergency Fund just to keep the momentum going.

If you're dealing with a low income month, especially during the holidays, this video shows you how to prioritize the needs (like travel and gifts) over the wants (like savings and fun categories).

Let me know in the comments: How do you prioritize your budget during a low income month when the holidays are looming?

Chapters
0:00 Intro
1:01 Income
1:55 Cover Overspending
4:57 Fixed Costs
12:30 Variable Costs
14:50 Savings
21:00 Wrap-Up


#LowIncomeBudget #HolidayBudget #DecemberBudget #BudgetWithMe #YNAB #ChristmasTravel #FinancialStruggle



YNAB 📈
Start your 34-day free trial today! When you sign up for a subscription, you'll get an extra month for free—and I'll get a free month too!
Sign up here: https://ynab.com/referral/?ref=eADSbf...

YNAB Toolkit for Desktop💻 : https://www.toolkitforynab.com

Fetch 🦮
Turn anything you buy into gift cards with Fetch! Earn rewards at stores, restaurants, and even when shopping online or playing free games.
Download Fetch using my link or enter code KQ436Q to get a bonus when you submit your first receipt.
Sign up here: https://referral.fetch.com/vvv3/refer...