Bxtch I’m Budgeting

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Brooklyn, NY
Bxtch I’m Budgeting

Money • Lifestyle
Minding my business & my money!
📧 [email protected]

11/02/2026

DAY 2: of the reality check challenge

WHERE THE HELL IS YOUR PAYCHECK GOING? 👀🥴💰

Today, we’re looking at EVERYTHING coming out of your check before you even touch it. Taxes, insurance, pension, retirement contributions, ALL OF IT!

Because your salary and what actually hits your bank account are two VERY different numbers!

💰 Comment REALITY to get your FREE November Financial Reality Check workbook!

And if you’re serious about getting your money together in 2027, you can lock in ALL 12 monthly challenges for just $15, delivered straight to your inbox on the 1st of every month! 👀 That sale price won’t last forever!

Now tell me: How much comes out of EACH paycheck for taxes, and how much are you putting toward your FUTURE (retirement/investments)? 👇🏽

11/01/2026

DAY 1 of the Financial Reality Check! 💰

Today, I need you to figure out your consistent monthly NET income! And if your income fluctuates because of hourly pay, tips, or self-employment, figure out the minimum amount you can usually count on bringing home every month.

You don’t have to comment the dollar amount because people are NOSY! 😂 Just comment and let me know that you did it and you’re ready for Day 2!

I personally printed this out and will be filling it out day by day because it's what's going to help me prepare and plan my 2027 goals in December

Want the FREE November Financial Reality Check PDF? Comment REALITY and I’ll send it over!

And SHARE this with a friend who needs to get their money together, because friends help friends become their best selves! 💅🏽💰

10/28/2026

$80 for the week for a family of 3

Came in under our $150 budget and here is what we're making with what we have this week!

‼️ take inventory via or of the items you already have in your house and put your favorite stores flyer for that week into the chat. Tell it your budget and allow it to make you meals based on what you have so you can actually use what you have and things you might need.

✅ Baked chicken, rice beans, and steamed broccoli
✅ pasta with pasta sauce, and Italian sausage
✅ ground turkey with sweet potatoes

✅ we have bagels, yogurt parfait with granola, and oatmeal with cinnamon for breakfast and protein smoothies

✅ our fruit for the week includes pineapples, blackberries and apples

✅ we have orange juice and lemonade to go with our weekend breakfast which usually includes eggs, maple chicken sausage/bacon and waffles or pancake with the syrup I just bought

✅ salad with a big chicken that I am making

✅ we already have bread so I bought Gouda cheese to make grilled cheese sandwiches as a quick lunch this weekend

10/24/2026

Bitch, I couldn’t even get into the numbers truly because the notes really upset me.

And maybe it’s just me and I’m bugging, but the notes tell me that you’re handling EVERYTHING while he gets to live his life with his money.

Make THAT MAN STEP UP! The transactions are telling me that YOU are handling everything.

And I really hope his name isn’t on that house. I hope you’ve spoken to an attorney about protecting your interest in that house, because imagine never paying for a house and then potentially walking away with half of it. That’s CRAZY.

And honestly, at 40, we need to increase your retirement savings TREMENDOUSLY. You need a Roth IRA. You need to tell that man he needs to pay some damn bills. Pay the entire mortgage, SOMETHING, so you can focus on your own retirement!

Because the retirement you have is clearly looking like it’s going to be for BOTH of you. So right now, that $131,000 in retirement is really looking like $65,00 each. Maybe Social Security will help. I DON’T KNOW. 😭

And tell your son he needs to contribute CONSISTENTLY. Because there’s no way he has $30,000 to spend on cars but doesn’t have $200 to give you toward the bills.

He literally sounds like his father, if your husband is his father.

You cannot keep being everybody’s financial safety net while neglecting your own financial future.

10/23/2026

Ep 6. Hitting the Mark

10/21/2026

You DON'T make enough money AND you have horrible spending habits both can be true 🤷🏾‍♀️

We tend to leave the latter out of the conversation when we talk money so I need you to BFFR 😬 nova

10/18/2026

10/17/2026

One thing about me? I WILL sit on hold for 45 minutes if it means getting my damn bill lowered. 😂

These companies are BANKING on you being too impatient to call, too busy to compare prices, or too comfortable paying the same bill every month without questioning it.

ME?! I COULD NEVERRRR. 😭

Loyalty doesn’t mean a damn thing if I’m the only one being loyal. 🥴

Which one you calling this weekend?👀

Personal Finance | Budgeting Tips | Money Management | Saving Money | Financial Literacy | Lower Monthly Bills | Negotiate Your Bills | Smart Money Habits | Financial Freedom | Budgeting | Reduce Expenses | Building Wealth

10/17/2026

Halloween is cute until you realize you’ve spent $300 on costumes, candy, decorations, and activities. 🎃😂

I’m not saying you can’t enjoy Halloween, but your bills are still due on November 1st! 👀

Be intentional with your spending and give yourself a limit BEFORE you start shopping.

Be honest, do you have a Halloween budget, and how much is it?

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10/17/2026

As a reformed captain save a hoe I had to quickly realize I needed to save myself to a comfortable number before I could even think about helping other people.

My emergency fund needed to look like $10,000 minimum before I started to even think about helping other people..

It's like you see someone floating in the ocean and they're perfectly fine but in your head, it looks like they need help so you jump in knowing you can't swim and now you're drowning🥴 that's you with no savings and no retirement you don't have kids of your own, but you've added three kids into your budget. You're giving them the money you need to give to yourself so you do not have to depend on them when they get older.

I'm not sure if anyone has told you this, but you are actually not in the position to help people and sometimes that's a hard reality, but until you can get to a comfortable number of savings and investing, you have to be your primary focus

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Brooklyn, NY

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http://BitchImBudgeting.com/

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