Hello everyone, I am Jiona Smith the CEO of Jaysbudgetingplan LLC. Such a fancy title but make no mistake. I am a real person, that has come from loads of struggle myself. I am a mother of 2 kids. I used to be a delivery driver working 12 hours 7 days a week. Trying to keep a roof over my head, food in the fridge, the electricity on, and pay all my bills on time. Working so much was killing me. I would burn myself into the ground just trying to make my own ends meet. I would

As most of you know, I started my company officially August 18th, 2026. It is brand new. Everything is controlled by me and only me. This is a 1 woman show as of right now. Some people have asked a lot of questions in my time doing this, so I wanted to answer them here. How is the company doing today? This is a big one. Honestly, the company is doing great! No, I am not just saying that. Ha Ha. Everything is running smoothly. I work on everything that needs to be done 7 days

A dream made into reality What I want to do for everyone is change their life to create a world without financial struggle. It is my dream to help others. I have created something that can help everyone out there. Money can be your biggest problem in life, but it doesn't have to be that way. Most people hear budgeting and think all I do is create a budget for them. They think that they are paying me to do something they can do themselves. In a way, people are correct. You can

Who am I? I am Jiona Smith CEO of Jaysbudgetingplan. What do I do? I stop people from living paycheck to paycheck How? Using google sheets consisting of income, bills, due date, and costs. How much do you charge? Low-cost company. $20 2-week trial or $50 a month. What information do you need from me? Strictly numbers. No social security. No banking info. No date of birth. No address. Nothing personal. I don’t need this. But you do… Why? Imagine having a tool that could actua

A budgeting app can track numbers. A real budget plan can challenge habits, adjust to real life, and keep a person involved when motivation drops. That is the center of the Jaysbudgetingplan LLC vs Budgeting apps debate. Budgeting apps have a place. They can sort spending, show trends, and put bills in one view. For some people, that is enough. For many people living close to payday, trying to grow a savings account, or aiming for bigger goals, tracking is only the first step

When anyone hears budgeting, they think it's simply giving every paycheck a job. Yes, it is. But my budget plans are way more in depth. I use my clients wants and needs and put them all together in a google sheet. Whether they have debts, want a savings account, want structure. It doesn't matter. I crunch numbers to make any dreams come true. My budget plans appear to be simple on paper. They are actually more complex than you think. They are simple for clients to view, and t

A budget that feels like punishment is the wrong budget. If a plan only works when you stop enjoying life, track every penny like a detective, and feel guilty every time you buy a snack, it won’t last. Even if it helps you pay bills, you will want more in your life than work and sleep. Here’s my honest take: most people don’t need a harsher budget. They need a calmer one. Some budget plans I see people using, have all these numbers scattered and a million different sections.

Most budget apps fail because they track spending after the damage is already done. That is the problem I see again and again. A person downloads an app, connects their bank account, sorts a few categories, and feels hopeful for two weeks. Then, they fall behind. The app keeps showing red numbers. The alerts keep coming. The person feels judged, confused, or tired, and the same money stress returns. My opinion is simple: budgeting is not an app problem. It is a behavior, plan

Money affects every part of our life. It’s easy to feel lost and overwhelmed. I used to live that life myself to be honest. I worked for so many different driving delivery apps. 12 hours a day 7 days a week. I have 2 kids. When that wasn't enough, I picked up a stay-at-home job becoming a life insurance agent. That also wasn't enough. I just kept trying to find more and more jobs. An endless circle. I realized that the job wasn't the problem per say, it was my own expenses an

Most people are living paycheck to paycheck. Struggling to manage credit cards, medical bills, debt with one job or maybe even multiple jobs. You are stressed every time you check your bank account. You are not alone. Many people face these challenges daily, and the good news is that my budgeting can change everything. My budget plans offer a simple, affordable way to take control of your finances and secure your future. For just $20, you can try a two-week trial or choose th

Managing money can feel overwhelming, especially when unexpected expenses pop up. I know this struggle well because I lived it. My journey to building a company that helps people budget effectively started with my own challenges and wanting to make a difference. This post shares why I created this company, how my personal story shaped its mission, and how I hope to help others take control of their finances. My Personal Struggle with Budgeting For years, I found myself barely

You’ve tried to budget before, but it didn’t work out. You feel stressed, overwhelmed, and maybe even lost. The bills keep piling up, there’s no money left at the end of the month, and the fear of eviction or drowning in debt haunts you. You’re tired of feeling stuck and unsure where your money goes. If this sounds like you, you’re not alone—and this post is here to help. Budgeting can feel impossible when you’re already stretched thin. But with the right approach, you can ta

Living paycheck to paycheck is a reality for many people, especially those with low income or struggling to make ends meet. I know this feeling well—the constant worry about whether the next bill will clear or if there will be enough left for groceries. Budgeting often sounds like a complicated or restrictive task, but it is one of the most powerful tools that can help break this cycle. In this post, I want to share why budgeting is essential, how it can help reduce financial

Hey there! If you’ve ever felt overwhelmed by bills, expenses, or just the idea of managing your money, you’re not alone. Budgeting can seem like a big, scary task, but guess what? It doesn’t have to be! Creating your online budgeting plan is easier than you think, and I’m here to walk you through it step-by-step. Ready to take control of your finances and stop living paycheck to paycheck? Let’s dive in! Why You Need an Online Budgeting Plan Right Now Let’s be real. Life thro

Understanding Financial Growth Financial growth refers to the increase in your wealth over time. It encompasses various aspects, including savings, investments, and income generation. To achieve financial growth, you need to adopt a proactive approach to managing your finances. Here are some key components to consider: 1. Setting Clear Financial Goals Before you can grow your wealth, you need to define what financial success looks like for you! Setting clear, achievable goals