Final Weekly Check-in for May | Negative Balance | Paycheck Budget | Zero Based Budget

Added: 2026-05-31

[00:00:00]Hello friends. It is Mrs. P.

[00:00:03]And it's Friday. Y'all have not filmed a video since Monday.

[00:00:08]Um and I'm pretty sure I did that Sunday night. So, um this has been our last week of school.

[00:00:15]And to say Okay, I'm going to say a bad word here.

[00:00:20]It was a show this week, y'all.

[00:00:23]It had nothing to do with kids. Once again, adults messing everything up.

[00:00:28][snorts] >> [sighs] >> I am in recovery mode right now.

[00:00:34]Um today was a half day of school.

[00:00:37]And um I stayed for a few hours after the kids left just to get things organized. We've been playing board games for 3 days because they're over movies, we have no devices, and um so I just brought out the old school board games, card games, that sort of thing. I've played so much Blackjack this week.

[00:00:56]>> [sighs] >> But I had to clean all the messes up.

[00:00:58]And um came home and I literally slept until almost 5:00. I have not looked at my budget all week because I have just been mentally drained. And I feel like mental exhaustion is way worse than physical exhaustion.

[00:01:19]And that's where I'm at. Um I had my nephew's kindergarten grash graduation last night, and thank goodness like I >> [laughter] >> I was able to go cuz mentally I just wanted to come straight home and go to bed. Every day. Every day, y'all. Um but y'all I made it. We made it. We reached the end of the school year. It has been a good school year.

[00:01:47]Um a great group of kids. Um love my team.

[00:01:53]There's just things in the school system that I have no control over and it really impacts everything. But, it is okay. We are okay. But, I need to do my budget check-in. This is for May.

[00:02:11]Um I haven't even like I've kind of got like an idea of where I want to go with my budget for June, but I haven't done anything on paper.

[00:02:21]>> [snorts] >> So, I'm going to work on that after I film this video and get it uploaded for you guys. Um this week um well, I just literally did crunch the numbers and um you will see we had to dip into our buffer um because one, I calculated something incorrectly.

[00:02:45]All of these things came out, by the way. I'm just going to highlight them.

[00:02:49]Um pay uh my husband's pay was not as much as um we thought it would be.

[00:02:57]I mean, not not by a lot, but when we work a zero-based budget the last week of the month, it really um every little bit makes a impact. So, let's go ahead and get into this so that you can see what I'm talking about.

[00:03:14]And [clears throat] I've got I'm starting to get a sore throat. I think it's allergies, but I'm like swallowing funny. All right, so our rollover was 802 62.

[00:03:26]Mr. P's income I budgeted 1,100. It was 1,074 13.

[00:03:33]Somebody's having like target practice outside and I can it's like boom, boom, boom. It's scaring the dogs.

[00:03:39]Um I put 300 toward um the budget from side hustle. Uh my husband put 350 from side hustle. And so, that brought our budget to 25 26 75.

[00:03:57]Okay, so this is where I made a mistake.

[00:04:00]So I'm not sure what if I didn't add all of these up, but this bill total was not 734.

[00:04:10]Let me just calculate it real quick because when I did the actual, it was so off. I was like there's got to be another some some mistake and there there was. I just kept I didn't write down exactly what it was. 20 49. Yeah, I didn't add the YouTube Premium. So 763 is what this should have been. Um I'm just going to write here 763 is what we should have had, which would have changed the amount that I put towards some of my sinking funds and stuff.

[00:04:45]But [clears throat] you know, can't change that now. We're at the end of the month. Um power was 377 25.

[00:04:55]Hulu, um this was something and I had forgotten um when we were traveling to Washington, um on the airplane, you know how they have like free uh TV or whatever, and um I was watching a series that was on HBO Max and I really got into it and didn't get to finish it because you know there's only so much time on the flight.

[00:05:21]And so I upgraded to include HBO Max on our um Hulu, Disney Plus, whatever. I'm not even sure who what I call it, but and I I for completely forgot I did that and I >> [clears throat] >> Excuse me.

[00:05:40]I'm going to leave it cuz there are a lot of good shows on HBO Max that I'm like watching and like I had started watching The Pit when it first came out and I hadn't got to see season 2 because I didn't have the subscription but now I can watch it now that it's summer I have more time.

[00:05:55]Um, Verizon was 264 28.

[00:06:01]Apple came out for 1998.

[00:06:04]Um, Mr. P's hobby 4851 and YouTube premium it went up. Um, so this is our family plan 28 88 and we all three of us, my husband, myself and my daughter, we all watch YouTube a lot so that is that is well worth it.

[00:06:24]All right. So 773 this is where I knew there was something wrong. I knew I had extra for Hulu but not that much. Okay, 77360 and that leaves us with 1,700 $53.15.

[00:06:41]All right, moving down to our variable expenses. Um, I took out exactly what I planned to and so all those stayed the same.

[00:06:52]And so this kind of this section was 365 and that left us with 1,388.15.

[00:07:02]All right.

[00:07:03]Same with sinking funds and savings challenges. I had already taken out the money before I knew things were um not going to work out with the budget so that was 785 and that left us with 603 15.

[00:07:21]Which is not enough to cover the Tractor Supply and the student loan. So, those were paid and we did not like we're not like in the hole in the checking account. Um, student loan 497 82. Um, we have a buffer. So every time like things like for example, I had planned to put that $11 into the buffer, which is kind of like an extension of our savings account kind of thing.

[00:07:48]And we've got several hundred dollars in there. So, this section was 656 82.

[00:07:58]And so, that left us with a negative 53 67. And if you've watched my channel, that has that doesn't happen often. And usually, I would have like tweaked some areas, like taken our spending money, something like that. But, we do have that buffer.

[00:08:18]And so, I decided just to leave it because I have been mentally tapped out this week. And so, I just I just didn't have the um the brain power to negotiate with our account today. Or that these things this week. Um I just left it. Um Memorial Day happened. We had um Uh my son gosh, my son came over with his girlfriend and a friend. And then, my daughter had several friends over for like There's some of them still here. Um she's next door. I don't want her to hear me. I don't mind. I would rather them be here than anywhere else. Um but, it's it was just a house full of people.

[00:09:07]And it was raining outside, so.

[00:09:10]All right. So, that is the budget. Yes, we are in the negative, but not really.

[00:09:15]I mean, we have money in the account.

[00:09:18]All right. So, then I need to do my weekly like check in with our variable categories.

[00:09:24]We still did okay with everything here.

[00:09:26]Um I feel like we've kind of got this in a good place. So, since it's the the last of the month, I will add up each of the categories. Maybe I'm zoomed in too much. Let me go out a little bit. Um so, on the 22nd, um I did a grocery pickup from Ingles.

[00:09:44]That was my first time ever doing a grocery pickup, and I'll probably never do it again.

[00:09:50]Because I got there, and it was Friday, last Friday, and I was tired. It was a It was a hard week. It The last couple weeks of any school year is hard. And I was sitting there and waiting and waiting and called the number, texted the number, all the things.

[00:10:07]Waited for 20-something minutes, and I finally had to go inside the store, waited at the customer service, then had to wait for them to call the little dude that was supposed to have been the grocery delivery guy.

[00:10:22]35 minutes took me to get I could have shopped and gotten out of there in that time. And so, I was I was disappointed in that experience. But anyway, Ingles, I spent $52.

[00:10:33]And then I also did a Walmart pickup. So, I don't have a lot of change this week. Um and that was for $76.

[00:10:45]And so, that is all I spent. Now, I'll talk about this probably when I do my um cash stuffing, if I get to the cash stuffing.

[00:10:55][laughter] >> [gasps] >> Um we did take my father-in-law grocery shopping, and I bought him a lot of things because he he needed it. All right, but I used [clears throat] um our grocery stock-up money for that.

[00:11:08]Uh so, 32, 31, 81, 51, 52, and 76.

[00:11:17]We spent $300 and $23 on groceries. Now, we had like a over a week that we weren't at home when we were at the wedding that helped make this grocery budget low. Plus, we have like that stock up that we, you know, keep on hand so that, you know, we don't have to buy meats every single week. All right, pet supplies, um I spent at Walmart in that same order $23.

[00:11:47]And so, for pets, 64, 46, and 23, we spent $133.

[00:11:55]And we spent a little bit extra getting extra treats and bones and things like that for when the pet sitters were here just so that, you know, they could treat the dogs extra special.

[00:12:06]Um next, we have household.

[00:12:10]I just had a message come in. Um it is graduation night for our high school and it is a falling a flood and the graduation is supposed to be outside. It's not until 8:00. It's just 6:00. So, I am not sure what's going to happen with graduation.

[00:12:24]If they have to move it indoors, I won't be able to go because then it's just like immediate family only and we were going for, you know, kit my daughter's friends.

[00:12:34]All right, so this household was from Walmart.

[00:12:38]And ironically, we spent exactly the same amount that we spent on pet supplies, $23. So, 22, two, and 23, now that's $47.

[00:12:51]And I feel like I have left one off. I I know for a fact I did because we got garbage bags, like large garbage bags at some point and I know that was like $9.

[00:13:02]So, I don't think we've accounted for that here.

[00:13:04]All right, eating out, the night that we got the groceries, the night that um all the things went downhill, >> [laughter and gasps] >> we decided to go out to eat and we went to our local favorite Mexican restaurant and we spent $57.

[00:13:23]And it was delicious.

[00:13:26]And I actually saw several of my students there.

[00:13:29]And I was drinking an adult beverage, so that was a little embarrassing.

[00:13:34]So, we spent $145 eating out, which is about I mean, that's that's more than we usually spend, but I mean, that's not too bad considering the prices of eating out.

[00:13:44]Um gas, okay, we got gas on the 22nd in my car.

[00:13:51]And I was lazy that night and only put $40 in it because I got tired of pumping and I was just wanting to get home. So, I literally put $40 in and stopped. And it has lasted me all week because no longer am I driving back and forth to town for my daughter in sports, but um and soccer is over. Um we get I didn't go anywhere all weekend. So, that was helpful. And then on the 23rd, my husband took um the truck and just got $30 worth of gas.

[00:14:23]Um and I told him he had to stop cuz we had $70 in the envelope and I'd spent 40, and so we had 30 left and I said, "Just put $30 in that." And I'm glad I did because then we would have been even more negative in the account. So, for gas, and this doesn't count what we put in like a rental um when we were in going to the wedding. So, $248.

[00:14:50]Gas prices, yuck. [sighs] All right, and um nothing really unbudgeted. I mean, so we've been pretty good there.

[00:14:58]All right, y'all. That is my check-in. I will come back. I'm going to go ahead and get off this video and go work on my monthly budget for June and my first week because it is Friday and we are already into our June budget. And I need to, you know, see what's what.

[00:15:17]So, I'm going to go do that and get this uploaded so you guys can watch this one while I film the next one. so. Anyway, friends, thank you for watching and I will see you in my next video. Bye.