Hello, Winebers my name is Jesse Meekman, this is podcast number two twenty seven for

Wineb where we teach you four rules to help you stop living paycheck to paycheck get

out of debt and save more money. Wineb stands for you need a budget. Right now, Julie and I, Julie and my wife, we are trying to,

we're experimenting with the cash budget, a little bit, a little bit of cash.

We've got very few categories on the budget i'm actually gonna pull out

my phone right now because of course it's on the phone

point it out right now on lock in the screen

point it open and let you all know what the categories are.

Master categories are saving, spending, and credit card payments.

We use two credit cards, soon to be one. An Amex for Costco only and it's basically a

Costco card, Amex combined and a Visa. And we're combining that down to just a Costco Visa card here pretty soon.

TMI, sorry about that.

The other master, so master category, savings, spending, and the credit card payments.

So we basically have saving and spending.

In the savings category, or savings master category group, we've got our emergency fund.

It's topped up at about six months expenses, five, six.

Travel because it's important to Julie and me, Christmas because it's important

to us, car replacement because it will eventually need to happen.

And we have a pretty good sum in the car replacement category, but the cars will go for a long while still.

And landscaping actually has a savings category, because that's brand new, because we want to do some backyard landscaping.

It'll be quite a project.

In the spending group we've got giving, that's the tithing, fast offering, other

...