Question

23 years old and really wanting to take budgeting seriously! I was wondering if there was anyone in this group similar in age/situation? Would love to connect and share tips/etc! I LOVE this group but sometimes I find It hard to connect or understand some aspects to budgeting with me being so young and unestablished compared to most people in this group who have mortgages, families, farther ahead in their careers, etc but I would love to pick up good habits early!  

Answer 1

23 is when I decided to actually figure out my finances. I am now 28, married, 2 kids and debt free but putting things in place before getting married helped so much. So even though we may not be the same age/situation there are people that understand where you are at and can give great advice. Don’t be afraid to ask all your questions  

Comments

@veolaver was your partner debt free as well before you got married?  

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@indices574 Not totally. He had a little debt and no savings and I had a little savings and no debt  So we just paid it off in the first few months of marriage. When babies came into the mix and hospital bills started showing up and I dropped down to part time things got tricky for a hot minute, but having a budget & a plan helped me not freak out and us pay off the bills  

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@veolaver teamwork!  

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Do you use the budget workbook or do you have your own method?  

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I use the workbook. But I guess probably like a lot of people do my own tweaks

Answer 2

I’m 22 and have been budgeting now for about 2-3 years. Budgeting has changed my life. TBM is definitely the first method that was truly game changing though and this group is amazing ❤️

Comments

@test927 Budgeting is amazing!  

Answer 3

I’m 22 been budgeting since I was 18! Recently married, it’s definitely changed my life & mindset ❤️ would love to connect with my age group!  

Comments

That would be awesome!  

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Jewel Amavizca we should create a TBM RedefineTwenties Group  

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@berey count me in! I’d like to learn y’all tips/tricks hopefully to save even more money!  

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Jewel Amavizca haha idk how it would work  but yes there needs to be like a portfolio for all the useful knowledge shared on this page!  

Answer 4

I’m 21 and have been budgeting since I was 17/18! Message me girl  

Comments

Messaged you!  

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@deangelo Hi girls, just reading the coments I really aprreciate if you can share your tips. Thanks

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@perceval56 yeah when I get home I’ll send you some stuff!  

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@perceval56 messaged you  

Answer 5

23! I feel the same way! Let’s chat! I would love to connect with more my afe

Comments

Messaging you now!  

Answer 6

I’m almost 23 and have been budgeting for a couple years

Answer 7

22 & i just started a couple months ago  

Answer 8

I’m 24 and got into budgeting when I was 22! I was always interested in my own personal finances, but I got serious about it after I graduated college. I’m single, have no children, and have have no big budget goals at this point. mostly just trying to save for my future! I don’t relate a lot of what people post in here, but I learn a lot from others posts.  

Answer 9

Also check out Dave Ramsey perhaps, you may find connections in a few awesome groups like this one! Go you!  

Answer 10

25 but I’ve been budgeting for a long time! Happy to share ideas

Answer 11

I’m 20! I’ve been super into getting myself well off financially so I can build a good future for my future family and I. You got this!  

Comments

Thanks so much! Same to you  

Answer 12

I'm 22 I've always been into money and budgeting but really want to take it to the next level and be debt free! I do have a mortgage however.  

Answer 13

It’s the ideal time as you haven’t been able to make as many mistakes as the rest of us!  

Answer 14

I'm 25 and in so much debt from student loans. Trying to get my boyfriend on board before we get married

Answer 15

I’m 23 and started budgeting since November. Graduated college in 2018 with student loans and just been so stressed out with my money situation al the time. Finding TBM was the best thing I did because budgeting just makes me less stressed. I always like seeing people my age group start budgeting now.  

Comments

It’s awesome! Do you use the workbook or your own method for budgeting!  

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@deangelo before I did my own thing, but it was all over the place in a notebook. Now I started the workbook this month and everything is so clean and I can see exactly where every dollar is going too. And the workbook just makes it super fun for to budget, so for me I’m always like can’t wait for payday, but not because of money just to budget  what about you? Are you doing the workbook?  

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@bourdon i have been trying to figure out if i should bite the bullet and get the digital download for the workbook because it seems so much easier! Right now i do everything by hand and girl it’s killing me haha

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@deangelo I get it, there’s a lot to fill out in the workbook lol, but for me personally I like having physical copy. I’m always looking at a screen 24/7 for my job and personal life. so I get tired of screens. But if you think you would be more productive digitally then handwritten it, then I say do the digital.  

Answer 16

Not your age but just wanted to say congrats on starting! I wish I started when I was younger, would be in a much better place now.  

Comments

@fantasize I echo your post !  

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Thank you so much for the support!  

Answer 17

I’m 40. I don’t have a mortgage. Just one kid. Career isn’t really that advanced. Just starting to try to clean up my financial life and make some good decisions. Also I am mentally 23. Can we be friends?  good on you though doing it young. I wish I had got my act in gear 17 yrs ago

Comments

Always better late than never ❤️

Answer 18

Thats great that you're starting at such a young age! I wish I had started earlier. Are there any Facebook groups out there for young budgeters? If not, maybe you can start one ‍♀️

Comments

@frilling That would be awesome! Or what’s “young budgeters”?  

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@veolaver great idea!  

Answer 19

I'm 25 and just starting to take my finances seriously!  

Answer 20

I am in the same boat! I am 24 and am focusing on paying off my student loan debt but also save for my future but I also sometimes do not relate to some of the expenses other people have! I’m definitely always willing to connect ❤️

Comments

Would be awesome! Messaging you now

Answer 21

I’m 23! I was budgeting loosely while in college (didn’t accumulate any debt, but I definitely could have saved more), and I’m doing it a lot more seriously now. I am recently married, but no kids and definitely not far ahead in a career  

Answer 22

I'm 23 with a mortgage, family, and I'm a trainer in my career. A few years ago I had none of that. I do wish I had budgeted my money better and had a set amount to put into savings every month. I didn't budget at all before getting married. It I had it in my account I spent it.  

Answer 23

I’m 28, but I do not have a mortgage or anything yet. I do have a daughter from fertility treatments and we have debt as a result that we are working to pay off. I just started this journey in April so new to budgeting as well!  

Answer 24

I’m 25 and live on my own in an apartment!  

Answer 25

Way to go! I wish I started at your age!  

Answer 26

21 and motivated but so lost

Comments

Me too  

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You can begin with the email course of Kumiko!  sorry for my english i'm french  

Answer 27

Thank you all so much! Would love to connect further with you guys! Please drop tips as much as you’d like

Answer 28

Started budgeting at 17 and now I’m 20! Just bought a house with my bf and we have a little puppy so my bills are a bit different now

Answer 29

24 and I have been budgeting for about a year !  

Answer 30

I’m 25 and in the same position as you. I find it really hard to set financial goals. I would love to chat with more awsome woman near my age.  

Comments

Let’s connect please!  

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@deangelo I just send you a DM

Answer 31

I'm 26 and struggling to pay off CC debt as well as have financially supported my mama for the last 3 years. Apartment living but (somewhat) advanced in my career  

Answer 32

I’m 25 with $80k in debt  

Comments

But you took the initiative to join the group and learn how to start taking care of it and that’s what matters!  

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@deangelo yes and I am obsessed!  

Answer 33

I’m older, 38. Just wanted to say though that I think it’s awesome you are wanting to start on a good path so young. I wish we would have and we would not be spending these years trying to recover from unwise financial decisions we made when we were younger.  

Comments

Thank you so much! I truly am trying

Answer 34

I’m a few years older and have a child and I’m still floundering my way through life  I struggle everyday as our debt grows due to my fiancé still in school. I have to take it one day at a time. I slip up constantly and just realign myself when I can. Take it with grace. Life is hard, and budgeting can be super challenging.  

Answer 35

Yes! Im 24 and started back in Jan. Message me anytime if you need help. Love to see meet your financial goals as I’ve done with some of mine  

Comments

I would love any advice you’d be willing to give!  

Answer 36

I’m 20 and started this about a year ago! Message me whenever

Comments

Would love to connect!  

Answer 37

I’m 23, married for almost 2 years, have a mortgage, but still not where I wanna be career wise and still new to this too so I feel you 110%. The more advice I can get, the better cause I’m at a lost!  

Answer 38

I’m 25! Drop me a message and we can be budget buddies.  

Comments

@cliquish Im 25 too! Just trying to get a handle and be better at this ❤️

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Would love that! Messaging now

Answer 39

Hi girls! I’m 23, have student loan debt, a lease, and some miscellaneous things. I am getting married in October and paying for our wedding cash. Would love to connect if you feel like we can relate!  

Comments

Would love to connect!  

Answer 40

Proud of you! I'm 19. Not a lot of bills because I live at home but I've loved working/budgeting with what I have so far.  

Answer 41

21 I have some debt but not nearly what I’ve seen Married hubby is in school so it’s just my income I totally get it though especially with low income

Answer 42

25. just paid of a credit card working on the second and I have a vehicle loan. and a kid soon to be 2. ‍♀️

Answer 43

Hi, im 25. The only debt is the mortgage and have a 25k savings and 9k sinking funds. Budgeting isnt easy at all. There will be a lot of sacrifices, like what you NEED and what you WANT.  

Answer 44

I’m 21 and have an 8 month old son, my boyfriend and I are totally in save mode, trying to move out and get married within the next three years. This group makes me feel so bad about my situation sometimes

Comments

@bedim this is amazing! Don’t feel bad about your situation! You guys have a common goal and are on the right track by following TBM! Best of luck!  

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@bedim why feel bad. Your doing really well we all had to start somewhere xxx

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Don’t feel bad at ALL. We all have to start somewhere. It can definitely be intimidating when I’m reading some peoples situations but it just inspires me to get to that point! We got this

Answer 45

I am 24 - active duty military. Husband is a stay at home dad but streams online weekly to make an extra “income”. I just got promoted on Friday so excited to see my new paycheck to be able to pay off my debt. Started seriously budgeting in Jan 2020 - paid off one credit card and one loan. About to pay off my car which will leave me with one credit card (provided by the base so no interest) and a 2nd loan. I have a almost 3 year old son and he is my motivation. And I’ve also been able to save for an emergency fund which I’ve never done before! I would just say that at the beginning it seems overwhelming but now love seeing my numbers change and dividing and being in control of my money, being able to take care of my family financially.  

Answer 46

I’m 24 & raising two kids solo ! I started in February of this year with 25k in debt & now we are at 8. 6k . Honestly my best advice would be god 1st & prayer ! With this crisis and temporarily laid off from both my jobs , I’m still able to put money away toward my debt ! I stay away from ALL NEGATIVITY. My everyday is about being financially free. When i think about making unnecessary purchases , I always tell myself it will prolong my goal. Just stick with it NO MATTER WHAT. Persistence & discipline ☺️

Answer 47

I'm 31, single but with boyfriend, not married, teacher and french ! I start my budget 4months ago and TBM method changes my life! I don't have debt but I spend more than I have! Sorry dor my english ‍♀️

Answer 48

I remember I started seriously budgeting when I was 21 years old. I was a single mom but I paid off my debt, bought my car cash and had built an emergency fund ☺️ i just had a weekly automatic amount being taken out of my check and into the savings. I set aside money for bills and spending. I made the mistake of getting a credit card and spiraling back into debt. My biggest mistake was not paying my debt off in full every month. I'm now 26, married with 2 children. We paid off my debt but now we're working on my husband's. I always wonder how my life would have been if I had stayed in the same financial path. Please learn from me. If has taken me years to get to this point. Let me know if you have any questions

Answer 49

I was going to say I’m 23 too. but I realized that I’m 26 lol. Budgeting is amazing! I started because I went back for my masters this year and I wanted to owe the bare minimum in student loans. It’s really changed my life & showed me what is a “need” vs a “want”.  

Answer 50

Would love to connect! 27 and renting with my boyfriend, no debts thankfully but would like to be much better with money to be in a position to get a mortgage and buy a house in the next few years! I’d love to connect with some of you like-minded gals in a similar position! xx

Comments

Yesssss would love connecting with you! Please message me

Answer 51

So proud of you❤️ You even got me to budget too.  

Comments

@rayon7126 lol thank you mom. I know you meant to do this as a reply to my comment ❤️❤️

Answer 52

@alyss ?  

Answer 53

Yes please!  

Answer 54

23 y/o, $22k in student loans, $1k in vet bills, $25/hour but I live at home with my parents so no debt. I just want to be upfront as some people don’t have the same situation.  

Comments

Living at home will help you save a ton! You’ll be debt free in no time

Answer 55

Im a little older being 31 but I just got into budgeting within the past 6 months. While I was in undergrad and grad school I never worried about the student loan debt I was collecting or the cc I was using while in grad school. Now that my boyfriend and I are working on getting an apartment together and then saving for a house within the next 2 years is I was able to get him on board with me to budget!  

Answer 56

I’m 22 years old, 23 next week  just graduated college with my BA in Business Management student loan DEBT FREE! I always worked two jobs to pay college as I went & it’s definitely worth it! ‍I use TBM budgeting worksheets as well as Every Dollar App  to keep track of my expense and use a zero base budget! All I talk is finance and budgeting to my boyfriend he thinks I’m annoying now but I won’t quit bugging him until he’s on my side. Only debt I have is 8K of student loans which I plan to pay off by this year so I can start funding my 3-6 Emergency Fund and start saving for a house down payment ! This group has been super helpful! So happy to hear from different age groups!  

Comments

Yas! I graduated May 19 with a BA in marketing and fashion merchandising ❤️ also completely debt free from school! My first goal is 5k EF and then 10k

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@deangelo thanks so awesome ! Congrats ! It’s an amazing feeling! Keep up the great work  

Answer 57

I just turned 22! Just got married to my HS sweetheart in September and we just started officially using the BBP method this month after using the spending tracker in April. Loving it so far!