November 2020 Beers & Budgeting | Buying All The Christmas Gifts! | Summary and Q&A

December 9, 2020
Debt Free Millennials
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November 2020 Beers & Budgeting | Buying All The Christmas Gifts!


Debt-free millennials share their detailed November budgeting and expenses report, including income, expenses, and savings goals.

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Key Insights

  • 👣 Justine and Kyle prioritize tracking and analyzing their monthly income and expenses to ensure they are on track with their financial goals.
  • 🍵 They effectively utilize sinking funds to prepare for and handle unexpected expenses.
  • 🧑‍🤝‍🧑 The couple demonstrates the importance of budgeting and saving for specific goals, such as a down payment for a house.
  • ❓ Justine and Kyle's success with staying under budget for groceries and alcohol highlights the importance of careful planning and conscious spending.
  • 🎁 They appreciate the benefits of using apps like Fetch Rewards to save money on gift purchases.
  • 🍉 Reflecting on their investments, Justine and Kyle emphasize the potential growth and rewards of long-term investing.
  • 🤑 They consider the balance between time and money when making choices about car maintenance and other tasks.


all right november beers and budgeting time i'm excited for the beer part are we ready to do this hey guys it's justine with debt free millennials the channel to help you crush your debt and live payment free this is my husband kyle and today we are going over november's income and expenses our entire budget we leave nothing out and we do everythin... Read More

Questions & Answers

Q: How did Justine and Kyle track their November income and expenses?

Justine and Kyle meticulously recorded their income and expenses in various budget categories, allowing them to analyze their spending habits and make adjustments as needed.

Q: Did Justine and Kyle meet their budgeting goals in November?

Yes, Justine and Kyle were able to stick to their budget for most categories and even had some surplus left over. They were particularly successful in staying under budget for groceries and alcohol.

Q: What were some of the key highlights from their budget breakdown?

Some key highlights include their progress towards saving for a down payment, their investment growth in platforms like Robinhood, and their thoughtful budgeting for gifts throughout the year.

Q: How did they handle unexpected expenses in their budget?

Justine and Kyle have sinking funds set up for various expenses, such as car maintenance. This allows them to allocate money specifically for these expenses, making it easier to handle unexpected costs.

Summary & Key Takeaways

  • Justine and Kyle discuss their November income and expenses, providing a detailed breakdown of their budget categories.

  • They highlight their budgeting strategies, including pre-tax paycheck contributions and sinking funds for various expenses.

  • They discuss their progress towards their financial goals, such as saving for a down payment and investing in stocks.

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