How to Create a Simple Budget That Fits Your Life in 2026 Without Tracking Every Dollar | 508

21:22I spend money and And I try to save money for that's what I do with my, that's what my money does. And that's why we set it up this way. And then the other thing that, that we wanted to get into is coming right up. I want to, okay, good. One more. We're going to go over what tab, one more tab. One more tab. Listen, we've done income, debts, bills, spending, savings. At the very end of all this, you notice it still has$888 remaining after they've entered everything in. And this, look, this is only, this is a$12 ,000 income. They're doing a lot with their money. but sometimes you don't realize that you can do this much with your money.

21:57If you don't write it down and see it visually for yourself. Right. So what we want to do is the last thing we add is the extra on debt. So this person's goal, even yes, they are saving all that, but they're, they also want to pay off some debt with. So with all of this, they're able to put$888 extra on debt for this month. Yeah. Okay. Babs, Babs in the chat said, y 'all talk fast. Southerners listen slow. So I'm going to try and it's going to, it's going to work for one minute. I'm going to try to talk slower and then it's going to go away. So what we will say too, is this is the recorded and you go negative.

22:27Can you do negative like 0.5? Yeah. Yeah. So when, when this comes into a podcast, go on the podcast and you can go 0.5. Okay. So what I want to show you, okay. When my, I don't know, there's different kinds of people. When my husband retired, he was, can you work on that? He was so like anxious that we had to look at the budget every day. Okay. And we had to make sure that the numbers were still numbering, right? The math was still math, math. So what we would might do is say, okay, if we only pay extra on debt, 500, which whatever, if we only do that, because we really want to have more, I want to have more money.

22:58Like I want to be realistic and we can play with the numbers.

23:06There we go. It's important to be realistic. It's important to be able to have the budget do the math for you, but make sure you are being realistic, especially let's say with like groceries, right? And then you can always adjust this number later. As you go, you're not going to get it perfect the first time. No problem. We have a buffer in here to help all the stragglers. And you can just feel good about the fact that you can play with it. It doesn't have to be, it's not anyone else's budget. It's your budget. It's your life. It's what you want. And it's what you need. And we'll go, when we go over the homework, we'll talk about that.

23:37So that way you guys can understand how you come up with these spending numbers, But okay, so let's head back over to, yep, here we go. So you can see. The technology worked. It did work. I didn't think it was. So listen, y 'all can see how we have the previous budget. And then what we just walked you through is on the right hand side and how much better, easier to understand and easier to read that is. You can see it. Okay. It's time to do a quick giveaway. So guys, every day we're just going to give away two gift cards and you'll be able to choose what you want. We do Amazon, Starbucks, gift, Target.

24:09Yep. Amazon, Target. Hey, they're in the same store. So, so we're going to go ahead and pick those out of the chat right now. Oh my gosh. We have so many questions. I'm so excited. Oh yes. Michelle. Okay. So you're going to pick two people while I go through some of these questions. Michelle, we're going to talk tomorrow. I think about that question about the savings buckets, but yes, every savings account is going to be every savings bucket is going to be its own account. Aussies listen slower to listen. Did I speed back up? I can't tell. All right. Vanessa's finding the winners. She's doing the things.

24:40Okay. I have Cheryl. Yay. There is no last name, just Cheryl with a C. If you, that is you, girl. Email us at budget best, hello at budgetbesties.com. I have, oh, she's clapping. Somebody's clapping. Yeah. Yay. Okay. So listen, email us. We will send you your gift card. Okay. And then, yeah. Got one more. One more. Let's see. We got Laura. Yay. I'm not going to say that last name, right? Do you have it? Oh. Majkut. I don't know. M-A-J-K-U-T. If that is you, girl, you won a gift card. So email us, hello at budgetbesties.com. Okay. All right. Now I happen to know somebody, we might know somebody that might be around with this story that's currently in here.

25:28What's happening? Did I write on the thing? What's happening, you guys? Okay. It's fine. Yeah, she is in here, but go ahead and read the testimonial. Okay. So Becky says that she, hold on. Y 'all, everything is going just fine. Don't worry. Okay. So Becky says that this budget system has been a game changer for me. She's I've paid off my car, organized my finances, and now I'm working towards my long-term goals, whether it's trips with her sister or saving for a new car. She said she knows that the budget system is working for her. We love Becky. She's been with us. I think from the beginning, she's been a superstar.

26:01We love her. Yeah. And I think that it's just real life what she's saying, like trips, trips was always the thing that she wanted to do with her sister, saving for a new car, paying off car, paying off debt. Like these are real things that we want to do with our money. And so that's what a good budget is going to help you do. Here's another fun family. Look at them with all their, they have as many, they have more furry, furry friends. But maybe that's to be updated. So she said she's loving the system. She said, I just started it. And I already see a difference with my spending. My favorite part is that it does the math for you.

26:31No guessing as your income comes in and as your bills go out, how much, how much you have, right? She said she's highly recommended. Yeah. How much more money you have once you have all of that figured out. And we are actually, you guys going to talk about, let me go real quick. Just real quick. It went away somewhere tomorrow. Oh, there it is. We're going to talk about getting clear on where your money is. And that's where your money is going. That's what we're going to talk about tomorrow. So she really hit the nail on the head. We're going to get to questions here in a minute. But right now I want you to know that you have a little homework because setting this up is, is going to take you just a minute, but you might be like, I'm not sure exactly how to figure out the spending, the spending numbers or how to figure out my savings numbers or what my bills are.

27:10So you're going to do this little homework. It shouldn't take too long, less than 30 minutes. Yeah. Yeah, absolutely. So what we're, what we're wanting to do is do, we call it like our 90 day audit. Okay. And it's really just going back and going, okay, how much did I spend in these different categories and how much do I want to spend? So what we, what you're going to first do is get highlighters and you're going to go get your credit card statements or your bank statements. And you're going to say, okay, this blue highlighter is for the restaurants. And this green highlighter is for all of my bills and yellow highlighter is for all of my fund spending.

27:43And you're just going to categories just to see visually, how much are you spending in those categories? Remember no shame. Do not shame yourself. This is not what this exercise is for. It's literally just data. We're trying to see what's going on. So then we know how we can put these numbers in your budget. Cause there's no sense in saying, I think I want to spend$1 ,200 a month in groceries. That's my budgeted amount. If you're naturally spending$2 ,000 a month in groceries, you're going to think you fail. You're going to think you can't budget. You're going to think budgets aren't for you. You think you're not going to be successful, so you'll stop.

28:13So the goal here is to pick realistic numbers. We want to know how are you spending money, okay? And then how do you want to continue spending money in the future? Yeah, yep. Okay, so now we are going to get to your questions. Again, I put the link, I put the whole workbook for homework in your chat. You'll get an email that has a link where you can download it if you don't want to download it right now, either, or you can just do, you can just follow along with what Vanessa said. She told you exactly what to do. I want to answer, we want to answer some questions here and, oh, Lisa, we're going to answer that one real quick.

28:46Okay. Right now, right away. She says, does it track transactions throughout the month? So I know how much is left for groceries or restaurants. She said our favorite word guys, track. This is definitely our favorite word. Okay, so listen, here's the wonderful thing about and how our budget is different than anything you've ever seen. We do not want you to track your spending. We do not want you to track your expenses. This is why they're different categories. Everything at gas and groceries or however you wanna divide it up, anything from, let's just say groceries, anything that's groceries, it goes in the grocery account and you don't have to track it.

29:21The balance in that account becomes what you're looking at. That becomes the amount of money that you don't go over. So when I pull up my bank app and I see Vanessa's spending, I see gas and groceries, I see kids, right? I have those debit cards. I am spending money out of those accounts and I don't have to track anything. All I see is the balance that's in that account. And that's the only thing I have to worry about. So again, we're not all about you having to track. Hope that made sense, Lisa. Okay. Tessie had a question about the budget and income. She said, what is the amount, the max amount of income lines that can fit on your one page budget?

29:56But listen, we're really excited for you, Tessie, because you probably you get paid every week. But I'm also taking it as what you're saying is that you make a lot of money. You just make a lot of money. And so you don't have enough room for all the money. That's exactly what she's probably saying, right? Yeah. But but yeah, there are enough in there for two, two people getting five paychecks a week a month or five paychecks a month. So you can do every paycheck. If you have more than that, we do have people that kind of combine them as the month goes on. So you start off with whatever. And then if you need to, you can combine two weeks into one.

30:26just in case. If you're a business, we, a lot of people will try to use ours as a business. We do, you can use our budget sheet, but if you listen to some of our podcasts, we track income differently in businesses. So you don't need to track if you're a business, every single income that comes in, that's not the way we do things. But for our personal, Shana, we've done this for six years. I mean, that's the, we have enough lines in there. Like it's never been a problem. I don't think. Yeah. I do love this question though. It said overtime, it varies each pay cycle, depending on how many hours worked.

30:57Do I add a line for overtime or just update the income line each pay cycle? Love that question. We are going to budget with your regular paychecks. We're going to put those in there. They're always going to be in there. And then we can, we love to add the overtime as it comes in. That way you can assign that money on purpose and your paychecks will roll forward. So all you'll ever really have to change is the overtime amount. Yeah. Or you can, so what we do is we put in the bare minimum, right? So if you're always going to make$5 ,000 a month at work. So that's the amount you put in. And then you can update that line.

31:28If your checks are more, that's another way to do it. Right. But there's no need to, I don't think to, I guess you put in separate lines for your clients. You put it over time. Yeah. Yeah. Yeah. So I, I do mine a little different with my clients. I don't, we just update the line that goes in, but we always start off with the bare minimum, right? Like we always put that in there because we always want to make sure over time or not that your budget is covered. Yeah. Somebody asked about how they tell debit cards. I know we're all over the place, guys. So today, let me just say real quick. Today, we're talking about how to create a simple budget that fits your life, a budget that you actually will stick to.

32:02Tomorrow, we're going to get clear on where your money is going. Okay, so that's going to answer a lot of questions. But I did want to show you Vanessa got my kids and I specific debit card stickers for our debit cards, because our bank, everybody gets the exact same debit card, the exact same one. So everybody in our house has the same debit card. Isn't it great? It's super easy. It's so fine. So we have labels, but we have labels. So if you guys are interested, just email us. Hello at budgetvesties.com. We just got those in last month and we're ready to send them out. All right, let me look.

32:32We have so many more questions. She's struggling with bills, timing versus paycheck versus automating all the money for the spending categories. It's like, there's not enough at sometimes and then plenty of others. I'll just start with. Okay. So this is where you need to build a buffer on the time of the month where you don't have all of your bills coming out. So we have a lot of people that say the front half of the month is bills heavy. And then I have all this extra money at the end of the month. So that's usually where I spend it all. We want to try to make sure we can build a buffer at the back end of the month, or I'm just throwing a number out there, right back into the month where you don't have as many bills coming out.

33:06And then once you build that buffer and your bit in your budget, then it's always going to be consistent, but you do have to sacrifice. There's going to be like a, a really not a hard time, but it'll just be a time where it's a little tight, right. For a couple of weeks while you're still spending the same amount that you would have spent at the beginning of the month for the end of the month. So that way you can build the buffer moving forward. I like the lean, the lean. Hopefully I'm saying that her question said, how do you navigate the transition to this budgeting when bills and debt use all the income and there's nothing left for spending.

33:36You're spending money one way or the other. So either you're, you do have a little bit leftover for spending or you're using credit cards. So what we want to do is get everything organized with debt and income and bills, exactly what we just laid out. And if you truly, once you put everything in those numbers on the one piece of paper and you truly have nothing left over, then we can talk about, or then you can use your credit card for spending until you figure it out, but you're going to have to figure it out, right? Because you're going to have to find wiggle room in and live within the amount of money that you're making.

34:08However, what we often see often is once you get it all on one piece of paper, you start to see, oh, I should have a little bit leftover. I should have this much leftover once I do all the math. And that's where we want to separate that on purpose so that you can start learning one that you have money to spend and also easily know how much you have to spend. And that will help you to get everything organized. And then eventually we find that people actually get better with their spending habits just by having it organized guys, just by not having it in one account, just by knowing, even if it's only a hundred bucks, even if it's only 200 bucks, knowing that I specifically definitely have that much money to spend on myself or spend in general helps everything else.

34:46It helps your nervous system. It helps all the things. I think the faster you can get it separate and organized it, the faster you're going to stop overspending, or you'll actually know what's going on and you'll spend less and you'll end up getting ahead faster. And we do believe like after years of doing this, that is just something that is the number one game changer is having separate accounts. Okay, we got a couple more questions here. We have so many, you guys, so we may not be able to get to all of them, but they're great questions. We're really happy to be able to answer them because on the podcast, it's one way.

35:13So maybe we can look at some of these and get some podcast episodes out of it. But she says, should, Caitlin says, should we have a cushion in each account? This is my first month using the system and my fiance and I are worried that we would not have it correct this month. Do we take the cushion out later or leave it in the account? Caitlin great question we if you're talking about your bills account then yeah we would recommend having a cushion in there eventually when you're a paycheck ahead you don't have to necessarily have a cushion but definitely when you're starting give yourself the grace like you might have forgotten the bill you might accidentally spin out of bills whatever happens it's fine you're just learning you're getting your feet wet on this so definitely give yourself a cushion and give some grace yeah as far as spending accounts that's you're right you're just guessing until you figure out what that sweet number, a sweet spot is.

35:58So that's what we recommend doing this spending audit, trying to figure out how much do I normally spend in a month? What do I want to be spending in a month? And you'll put those in there. And again, you're not going to get it right at the beginning. So if that's what you're asking about a buffer, I don't really think it's a buffer. I think you just up those numbers until you figure out what that number is that you want. Yeah. Yeah. It says if your business income is variable month to month, then do you go in at the end of the month to adjust? Yeah. Yeah. Again, like what Vanessa is saying with the overtime pay, what we're going going to build your budget on is your bare, your kind of your minimum.

36:27Like what I know I'm getting all the time, I'm going to build that budget on purpose. And then throughout, or when I get more money in there, I'm going to put it in the income line and then I'm going to assign it. Because if I built my budget with$12 ,000 and I ended up making 13 ,000, when I put that in there, it's going to say, Hey, Shayna, you have a thousand dollars left to do. So I'm either going to go put that in the savings bucket. I'm going to say, Hey, I think I'll spend all that. Maybe not. Or I might say, I'm going to put that on extra on debt, but I'm going to assign it in the budget on purpose every time.

36:55What we'll also say is that we coach a lot of people in their businesses and your business income, your business paycheck to yourself can also be consistent. And we work a lot with our clients with that just because it's just important. It's just as important to make your budget automatic and systemized as it is to make your business because one flows into the other. Right. And so it really is helpful to always know how much you're going to be able to pay yourself. Okay. All right. We have a lot of other questions, But one thing somebody asked is, can we offer a budget for our discount for the budget?

37:27We're actually just, it's discounted right now. It's going to go up for 2026. It was already supposed to go up, but remember we had to reschedule our budget. Our bootcamp guys, like we said, everybody's done being sick. We're done with it. They're done with it. Everybody doesn't get to be sick anymore, but the price is going up after the bootcamp. There's a, there's some different reasons for that. So right now it's at the lowest it's ever going to be. So grab it. Grab it now. Okay. How do you navigate the transition to this budgeting? Oh, we already answered that one. Maybe. Guys, did we answer all your questions?

37:56Will this not work if we put everything on credit cards for the miles and then pay them off every month? We would encourage you, Lisa, to still build your budget. Okay. Build your budget. Be specific because a credit card is not a budget. A credit card is not a budget. Getting miles is something that we can talk about over here. But build your budget. See if you're actually living according to what you want to live and according to your means according to your goals and then go from there. Those are actually two different questions. So building, getting your points on your miles card is different than building a budget.

38:27And so the answer to, if you're doing one, you still need to do the other and you can be successful. Okay. What do you do with the bills that vary? My power bill is different every month. The cool thing, Janet, is it cool? No, but it is a thing. Okay. The thing is your budget, your power bill doesn't vary that much month to month, right? So your budget, your power budget in July is totally different than December. Yes, that's true. But July and August are not that drastically different. You can just keep updating that amount each month. And that will be one of the bills that kind of changes. There's here or there, there's different ways that you can do it.

39:05But that is the easiest way to update it monthly, and it will go up or down 2040 bucks. And you'll just be able to update it when you have 90 % of your bills that stay consistent. And the only thing you have to update every month is your electric bill and your water bill. That's, it's not that hard. There are some other ways and some tips and tricks that we've talked about. We don't recommend doing the, what is the thing that they offer? Like their auto program, whatever they do, whatever their consistent billing thing is, do not do that. That has put so many of our clients in the hole. You can actually do it yourself.

39:34If that's something you want to do, which is basically take 12 months of your electricity bill divided by 12. And then that's how much you put in your monthly budget regardless, but you can only do that in the low months. You can't do that in the high months. Otherwise you're going to be in the hole, but just, that's just a little side, side tip. Oh, Andrea is helping us out here. She said that to remind us of the question, can you define getting a paycheck ahead? We have a podcast episode coming out of that because we know we talk about it all the time, but basically we want your last month, your last paycheck of the month.

40:00So let's say that was December. God bless it. That was so 2025. Oh, please. Okay. December 26th, December 19th. Those were, if you got paid on Friday, maybe you got paid that Thursday, whatever. Those are going to be in your January budget. They're going to be the first paycheck for January. That's how we define it. And we tell you in order how to do that. We will, we do walk you through that, how to do that, but that's how we define it. You're going to have to come to the bootcamp because I believe it's Thursday. I think it's Thursday. We talk about getting a paycheck. Day three, day three. So Wednesday, stop living paycheck to paycheck and get a paycheck ahead.

40:36And also we'll have a podcast episode coming out on it too, because we know it's confusing, but it is going to, when you are just on autopilot, your money is in there getting ready to pay you spending money to pay your bills. Like you don't have to think about what day it is. You forget what pay. Let's be honest. You always know when your spending account gets refilled, but you forget about payday because you're not stressed. You're not waiting for that paycheck to drop in order to be able to pay bills. That's what we want for all of you. The freedom. Can you imagine just your paychecks dropping and you're not even worried about it and your spending accounts getting funded and everything is happening and you're just going about your life.

41:07That is the goal that is eventually. And we have some people that are like, what do I do? Go have fun, go for a walk, go to the park with your kids, go do literally anything else besides stressing about your finances, because it's all taken care of. So just know that's the end result for you guys. Okay. I like Kristen's question and I'm going to give it to you because I know you're going to be like, you're going to help. Okay. How do you suggest we handle this when completing our spending audits? She struggles with breaking down the trips to target and Walmart. Okay. Don't go to target and Walmart helps.

41:34No, I'm just kidding. I'm kidding. That's not real life. I know. And going back to the totals, because it's confusing because it can, when she's at Walmart or Target, she can get something for the kids. She can get something for the dog, the groceries. It can be something for the house. And I didn't just spend groceries in this purchase. So how do I, what am I doing there? So Vanessa, go. Yeah. So this is where we want to back up and take like a kind of a bird's eye view. We are not about getting nitty gritty in the weeds of everything because that is how you get lost. That's how you get frustrated.

42:04That's how you're trying to ask questions like that and answer questions. And then you're tracking every expense and tracking all of your receipts to figure out how much you spent, where and why. If you're going to Target and Walmart, those are going to go in your gas and groceries. It's your household item section. Unless it's like you're buying a birthday present or you're specifically buying something for your kids that they want, you can use their debit card, that debit card account for that. But when you're going to these places, let's just be general. Let's just stop all the hard work that we're in and all this stress that we're adding onto ourselves and remove that and just say, okay, if I spend this much at these stores on a regular basis, that's what I'm putting into my budget.

42:43I hope that made sense. Yeah. I think it made great sense. And somebody did Andrea. Andrea is really, she's really helping me out. Thank you so much. So is Becky. Thank you. All of you. A lot of people are answering questions for us because they're amazing. So thank you guys all. But she did say doing her homework tonight or doing their homework, maybe they shouldn't use December. as an example. Oh yeah. Let's go back to that because let's not, don't use Thanksgiving. Don't use November. Don't use Christmas. Use a regular month, like maybe September, not August or July, because that's summer and back to school.

43:13You got to be specific, probably October, September. Those are probably good months to judge. Yeah. Somebody asked about extra on debt. It's not automated. So the extra on debt and the, this month, we don't put in your budget. Your budget comes blank. You guys like you, you get to decide how it's going to look, what it's going to be, But yes, so you're going to put that in separate. We put it under the debt column because it is debt. It's just not an automatic payment of debt. Yeah. So that you would put in there and we just, you can actually write whatever you want. Hold on. I'm going to figure this out.

43:38You guys are going to pray for me, pray for this. That's going to work. How do I, how I said I was going to figure it out, but I feel like I lied. I lied like a liar. I don't know how to get to it. I was going to show them the budget. Vanessa. Is it not? It's not showing. Okay. I was going to show you, but. Hey, we're still admitting people into the waiting room. Okay. Sorry, Megan. Hopefully, if you go back and watch this, you can see where we had it in there. We did it automatically. Yeah, it's not a subscription. We don't want it to be a subscription in your budget. We just want to be at one time.

44:04It's speaking of what I think it was Andrea or somebody said, it's one trip to Target. You're going to spend less here than going to Target unless you send your husband in. That's a hack. If you just send him in, he'll get the one thing. What? Maybe other husbands. My husband loves to try new things. He's like, babe. Oh, at the grocery store, you can't send them in the grocery store because they won't get the right things. It's this weird juxtaposition. There's this new craft beer that just came out. I obviously have to try it. Yeah. Okay. Okay. Okay, guys. I'm just looking to see. I want to say really quick, you guys were asking about the budget.

44:38The walkthrough videos, the step-by-step, we have amazing bonuses coming. And that's why the price is going up because we have some awesome stuff coming in for you guys. But all of that is there. You get access to that. It shows you how to use it, how to be the most successful, how to walk through building a budget. it. It's not just you're buying a template off Etsy and it's like, good luck. And it's not a template. It is a entire system. And that's what makes it so different. Yeah. And we should probably say a lot what Megan said, which is the budget besties app is not, that's not us. We don't know what it is.

45:07We're not, we are budget besties. I think they're the budget bestie, which budget besties is copyrighted, trademarked, whatever you want to call it. But budget bestie is not. And we, so we can't do anything about that, but luckily you figured it out. So good job. How can we get a month ahead come day three we're gonna figure that out i actually think we almost there oh angie she said the budget's amazing angie best 197 i respect y 'all it's the cheapest it's ever gonna be right now angie has an episode coming out and she'll tell you why 197 was a steal for her because she did such an amazing job she's done so good okay do we answer all your questions i don't even know like you're gonna have more questions probably tomorrow you're gonna do your spending audit you might have some questions we hope that we were helpful yeah we love you we hope that showing you the one page budget.

45:48Just start there. You guys just start there. It doesn't have to be overcomplicated. It's all on one page. It's five columns. You can do it. You just list everything out. Just get a first draft going, right? Yeah. And listen, the income, the minimum debt payments, you know, the bills, you know, the savings, you may not even have that. Just scratch that section. If that's not something you're doing right now, don't feel like you have to fill it out. Okay. The only thing I will say is annual bills are non-negotiable. You have to pay for the annual prime. And if you pay auto insurance in full every six months, those big subscription things that you're paying for throughout the month, your HOA, those really need to be in your monthly budget.

46:22So they are just as important as a monthly bill. Okay. Annual bills. So that may be the only savings bucket that you start with. And then you're spending and your homework guys is to do a spending audit. So you know exactly how much you are spending so you can put it in that budget. So basically I would say all the numbers that are going to go in your budget, you just have to put it on paper. Okay. And can you have your budget linked on your phone and laptop? Yeah. And so we use Google drive for that reason. It's available everywhere. I pull my budget up all the time on my phone because my husband and I fight over who gets to do the budget.

46:53I don't know anybody else like that, but so we definitely, but yeah, it's super easy you guys to use on your phone or your laptop. See here, here's Christmas. Gosh, let's get past that. Gross. That was a lot. you guys. Hey, but it's a lot of checked things. Oh yeah. My husband loves checking everything off. Like it's his favorite. Everything is checked off except for our phone bill in January. For this month. And it's the fifth, you guys. So yeah, you can use it anywhere and you'll love getting, you get the dopamine from the checkbox, no matter if you do it on your laptop, you do it on your phone, wherever.

47:25So you're good there. Okay. I think that is, okay. Should I, yeah, do not download it. Just keep it in Google drive. It will work everywhere and it'll update and it'll do all the math and it'll be available. If you update it on your phone, it's on your computer. That's why we did it. We need it to be as functional for you as possible. I would not download it because then it becomes more of a PDF. And then if you have Excel, it'll try to pull up in there and it doesn't work. So just keep it on your Google drive. Yep. Yes. Okay. You guys, we're going to see you tomorrow. Same time, same place. Yes.

47:55Same crazy girls. If y 'all have any questions that we did not get to answer, we try to go through all of them. I'm sure we miss them. Feel free to email us at hello at budgetbesties.com or bring them tomorrow. And we'd love to answer them then. Okay. Thank you guys so much for coming. We really appreciate it. We'll see you tomorrow. If you're tired of feeling like your finances are all over the place and you're ready for a simple set it and forget it way to budget, we have something special for you. Watch our automate your budget masterclass at budgetbesties.com forward slash automate. We'll show you step by step how to finally organize your money, how to set up your accounts and put your budget on autopilot.

48:32So your bills, saving, and spending run like clockwork. Imagine less stress, more savings, and the freedom to spend money without having to track every dollar or babysit your bank account. Go to budgetbesties.com forward slash automate to start today.