#112 - Ben and Ernie Fix a Messy Budget! (YouTube Livestream Replay)
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What is the main topic discussed in this episode?
I'm Ben. And I'm Ernie. And you're listening to Budget Nerds. All right, we are live. Welcome, welcome. Welcome to Budget Nerds. Should we do the thing? We should do the thing. I'm Ben. And I'm Ernie. And this is Budget Nerds. You are not alone. All right. Well, people are already writing in with... where they're from. We got somebody in Memphis, Phoenix, uh, Brunard, Brunord, Brunord in Norway. That's awesome. Austin, Texas, all over the U S there's my Canadians, Alberta, Canada, Canada from L cam. Uh, Oh, and we got somebody in London. Sweet. All right. Yeah. We got folks all over the place. May he said, I forgot I had this tab open and y'all totally scared me. Sorry, May.
Yeah.
all right we are we are good we're going okay so what are we doing today ernie it's kind of crazy we are fixing another budget and we're doing it live which is honestly it's crazy ben i think we're both nervous for this i'm a little nervous because i don't want to we're like the budget nerds we're supposed to know everything and i think we might show that we don't know everything
Well, the real budget nerds, I think, are our support team because they deal with this kind of thing every single day. Very true. Shout out to Jill, one of our support folks and somebody who works with our wellness team. She created this messy budget that needs some work. And I haven't looked at it at all. Ernie, you took a peek at it.
I took a peek at it.
So, yeah, Andrea says hashtag exposed. That's what I'm worried about. We'll see. We'll see.
But we are a community here. So we're going to lean on everyone here to fix this messy budget.
That's right. If we fail, we're going to fail together and it's going to be great. All right, let's just hop in. So we have a little bit of a storyline going here because this is the same fictional couple. that we started with when we did a messy budget like what was it like last october or something like that yeah about six months ago uh i have to call this out for potential life why take the time to create one just use mine next time we could do that that could be actually really fun that's the next iteration of the messy budget But yeah, we did one back in October, and we had... What were their names?
Jimmy and Carla.
Jimmy and Carla.
Carla.
And we were... Yeah. Y'all called us out in the comments because we could not fit... We didn't know. We didn't have their names, but we could deduce from the budget Jimmy's name, but we just totally missed Carla's name. She had a personal spending category right there. So sorry, Carla. Sorry that we completely erased you. But you're here now in our... mystery carla says michelle c exactly so the same couple they've gone for about five months now and things have changed and they need our help again so there you go should i read the doc kind of set the context okay here's the the backstory jimmy and carla have been working hard to live more spendfully since you last helped them and they have a lot to show for it
And they finally paid off their last credit cards and student loan debt, which was a huge victory since they were working on them for many years. They realized that they no longer need several accounts to set money aside for certain things like taxes and vacations. Yay, simplification. Love it. They now trust their categories to do that job for them. So they were able to simplify their finances and close a few of those accounts. The couple created a fresh start in January so they could have a clean slate with this new account structure and really figure out what their top priorities are now that they've paid off their credit cards and student loans. Carla and Jimmy have a large list of travel aspirations and goals for the future, but they decided to create a wish farm and select the top three priorities they'd like to work towards, which led to an exciting decision.
They'd like to start saving for a baby as their top priority. Yay, babies. While they'd still like to take that trip to Europe at some point, if it has to wait a few years, they're okay with that.
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Chapters
5 chapters
1
What is the main topic discussed in this episode?
0:00–5:12
2
Who are Jimmy and Carla and why are we fixing their messy budget?
5:12–21:30
3
How do Ben and Ernie reconcile a mismatched Amex account?
21:30–40:46
4
Why was the Costco Visa cleared balance off and how was it fixed?
40:46–51:36
5
What causes negative Ready to Assign to flip between months and how do you fix it?
51:36–1:02:20
Speakers
2 identifiedMore from Budget Nerds
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