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Financial Q&A | Dumping Debt Fridays | Can People On A Restricted Diet Still Save On Groceries?

876 views · Published 9 June 2017 · 12:26 · Indexed 8 November 2026

Channel: Kelly Anne Smith · 2017 · Howto & Style

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Dumping Debt Fridays is where we come together every Friday and I answer your financial questions or give you a LIVE update on my monthly budget. Financial Q&A's are where I originally fell in love with budgeting and couldn't learn enough, I used to watch my favorite channels like Budget Girl, Gazelle Intents and Debt is Dumb just to name a few. I learned so much from these Q&As and received many requests to start my own weekly Q&A answering your Dave Ramsey and budget-related questions. Please leave any questions you have in a comment below AND if you have a MONEY WIN please share that with me as well! I absolutely LOVE celebrating your money wins! 

Questions asked: 
Katherine
Hi Kelly,
I was watching your video's on how to set up a budget sheet and I had a question regarding Supplemental Transfer, for sinking funds.
Let's say that I currently have $100.00 in my gift fund balance. I'm planning to sink in another $30.00, which would bring my balance up to $120.00
Now let' say that I need $20.00 for a present for someone. Since I'm going to be using the $20.00 from the $30.00, that was planning to sink, how would this be entered in my spread sheet?
Irene_PlansMe   
Hi, love your videos. Congrats on paying off your debt. My question is, how do you get paid from amazon?
Melissa on facebook:
Hi! I have a question and you may have answered at one point but I’m new to your channel! I copied your spreadsheet and I love it but I wondered how can I make it biweekly. I keep thinking of ways but not sure do you have any ideas? Maybe add a column with biweekly deductions. Please help thank you! 
Chubby Girl Gone 
Where do you keep loose change? And when tracking your spending for the month do you track how much is put in the "envelopes" regardless of if there is leftover money and just have that as extra money for the next month or do you put it back in the bank? Thank you! Great video!
Hope Kirkland 
When do you recommend filling your sinking funds? That's the part I'm having a hard time with on my budget.
Herewegoagain   
What about people who are on a more restricted diet. So no pasta or bread. 
I don't eat gluten and I keep dairy consumption low. I can eat it but dairy gives me bad stomach cramps and gluten makes me look like I grew a baby bump. Plus I feel like I just ate thanksgiving dinner!

Wins:
Wendy Valencia 
My win for May...I'm still on the Dave plan! Haven't given up yet! 
Wings of Upliftment 
I’ve just started Dave Ramsey's baby steps. I'll have baby step one set up today by putting the $1,000 i already had into its own account. Thanks for sharing this budget report. It gives me tips for setting mine up. I’m just using a paper budget so far for my first one. Good on you for getting so far ahead with your savings and sinking funds! Inspiring!

Recommended videos: 
Cash Envelope System: https://www.youtube.com/watch?v=IfW0mn4DdXs 
Wedding Q&A: https://www.youtube.com/watch?v=Vj9wSGNk75Q 
10 Things I wish I knew about money 10 years ago: https://www.youtube.com/watch?v=sgQA-MIybrg 
How to budget in Excel tutorial: https://www.youtube.com/playlist?list=PLpgLsNKlKGi4zPw8DYNr5BzEgP5TSavxf 

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