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DECEMBER 2018 MID MONTH ZERO BASED HOUSEHOLD BUDGET | REAL NUMBERS | Dumping Debt Fridays

1,057 views · Published 14 December 2018 · 8:04 · Indexed 5 October 2026

Channel: Kelly Anne Smith · 2018 · People & Blogs

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The fastest way for me to pay off all of my student loans was to use a Zero-Based Budget and now DEBT FREE and currently have built my 6-month Emergency Fund of $25,000, saved CASH for my dream car a Jeep Cherokee and now saving for a 20% down payment for our starter home! I have been budgeting now for a couple years and it has truly changed my life. In this video, I go over each category with you and budget down to the penny to achieve a zero-based budget. 
Here is my December 2018 Mid Month household budget update where I go line by line explaining my Dave Ramsey Zero Based Budget. A zero-based budget is where you give every dollar a name, any remaining money you have left over you put straight towards your goals, whether that's paying off a credit card, towards baby step 2, towards your kid's college fund, a car fun or like me, my wedding fund. At the end of the month, your budget should read ZERO, that's where it gets its name, Zero Based Budget! 

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Recommended videos: 
How to Build a Budget in Excel Tutorial Series: https://www.youtube.com/playlist?list=PLpgLsNKlKGi4zPw8DYNr5BzEgP5TSavxf 
How To Only Spend $100 On Groceries A Month: https://www.youtube.com/playlist?list=PLpgLsNKlKGi5hU_EPegFZeSMAOIStStR1 
How To Create Side Hustle: https://www.youtube.com/playlist?list=PLpgLsNKlKGi5QK5nWrzRfNriAwWt_vors

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OUR WEDDING VIDEO | Jayme & Kelly: https://youtu.be/8rpEG2nCPQc

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TEAMI Blends Tea: I have recently fallen in LOVE with this weight loss tea check out their website and you can use my code! BUDGET18 for 18% off your order!
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SUBSCRIBE! https://www.youtube.com/channel/UCc9pO6FH1caEvKazMiEN03Q?sub_confirmation=1 

Snail Mail:
Kelly - Freedom In A Budget
PO Box 123
Deerfield Beach, FL 33443

Products and services I love and recommend: 
*TEAMI Blends Tea: I have recently fallen in LOVE with this weight loss tea check out their website and you can use my code! BUDGET25 for 25% off your order of $34 or more!
http://www.teamiblends.com
* Built Bars are amazing protein bars that are only 3 Smart Points on WW! https://builtbar.com/ 
Use FIAB3 for $3 off a box of 6!
Use FIAB10 for 10% off a box of 16! 
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*SavvyCents Wallet: https://amzn.to/2znOFTi
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Blog: https://freedominabudget.com/
Email: [email protected]
Facebook: facebook.com/freedominabudget
Instagram: @freedominabudget
Twitter: @FreedomInABdgt
Pinterest: @FreedomInABdgt

I feel so blessed to share with you all here on YouTube. This video may contain links to affiliate programs. If you click on the link and make a purchase I will receive a small percentage of that sale at NO extra charge to you. However, you are under no obligation to buy anything I ever mention in a video. Sometimes I am lucky enough to have products sent to me for review. If I partner with a company I will always disclose it here. All opinions and reviews that I share are and always will be my own I will only share products that I myself would buy. 

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