Now this is the type of classes they need to offer in high school. Cuz I could’ve used this advice greatly before racking up 10k debt partying to Die Young 🎉 🤦🏻♀️
Stay at home mom here. She is speaking facts. I learned this when I was younger, I helped my mom mange her money. I managed my money just like that too but my goal was to have a whole year saved of mortgage payments and 50% of bills like the light bill and water. Once I did me and my hubby started a family. I started managing his money and at first it was a little tighter than he would like but I wanted to save at least three months of bills including mortgage quickly. It wasn’t easy he had to do over time and side jobs. 😂 but he thanked me. Now our goal is to save up for retirement and for the kids.
They should teach something like this in high school. They did even teach us how to manage a check book! This would really help people out for they whole life
I'm a stay at home mom, too. It sounds like you're doing awesome. Don't listen to ignorant people 🙂 Being a stay at home mom is a job. You're on the clock 24/7. Just because you're not doing things to get paid doesn't make it any less important.
@@Theleaddog because this was for his own personal savings that he would later use to obtain some passive income. We have a budget and we wanted to stick to it. If it was a necessity I would’ve worked or at the very least go into my savings.
@@donnathomas3312 yeah but if the safe is in your house, they coming into your house, people will literally murder over a safe only of birth certificates because somebody was flexing their income tax refunds on social media. ive seen it many times in my city.
Also don't let randos know you have cancer or chronic pain. This happened with my mom and a girl's addict bf down the street broke into her house and stole all of her pain meds and laptop. He got his, country style. Between that and keeping it hush on who she was staying with when she got worse, we didn't have any more issues.
I've been doing this method since beginning of the year. I was able to take a family vacation without all the stress worrying about money. I specifically had set the money aside for it. I recently had a emergency vet bill and was able to pay without a second thought. It was so nice just to worry about the care of my cat and not money.
It is very surprising the extra this systems rewards you with. On vacation use the same process. An envelope for daily spend and carry foward what you do not use to the next day but you don't dip in to the next day allowance. Also have envelopes for airport food, duty free, pre vacation hotel if you drive stay over then fly. The budgeting feels so fresh
One month ahead is good, three is a good safety net, six months even better but a year would fantastic. I said that to encourage you to not just stop at one month when you can build a good safety net for yourself especially with all the inflated prices we have been seeing. I hope you reach your goals soon!
My friend used this method…it worked so well for her! She actually joined a group of ladies who met every week to go thru the whole process together & it also encouraged them to support each other! Nice video!
Right like what kind of job does she have that pays that much weekly that’s a lot of money...I work security at a casino we’re the highest paid department there and I barely make it paycheck to paycheck guess I got to start paying more attention to what I’m spending it on
My older daughter had a problem with over spending. My sister told her about this method. It did take a bit to get the hang of it but soon she was one month ahead and then two months ahead, etc. Paying her bills this way enabled her to see what money was left over for spend on fun stuff.
Can you do all of them cause cause how do you like how do you keep track of that like that's like some big big routine routine to do and and if you're that really smart that's kind of that's kinda You're really smart girl and you're beautiful I love your nails no offense
I am so glad to have found your page...with ALL that is going on in the world today, staying focused has been difficult, but watching your content has been sooooooo encouraging! Thanks a milli sis❤️❤️❤️❤️❤️
Dude... The "getting ahead" on payments is super hard to start out and have everything lined up around the same time (Which may not even be necessary until you get started and talk to your payees).. but I feel super inspired.. I had to listen like 13 times to fully completely understand exactly what she's doing. This is awesome. Once I get back on my feet I'm certainly looking into doing this. I need to see my payments and bills. Like seeing 100$ in cash is SO different than seeing 100$ on my online account. I didn't know this was a thing but me being a visual & hands on learner, this is incredible. So helpful. Thanks girl for opening up a whole new world for me. Finances are hard these days and to see my real life money I can spend will change the way I live my life. I've just been raw doggin this shit for years. Again, thank YOU!
This video is unbelievable. I grew up ruining my credit before I even knew what a credit was. Fast forward for many years and here I am and have nothing to show no money saved broke in debt bad very bad credit and will be homeless in 3 days with nowhere to go. Yes I actually have more than one job. Let this be a lesson to those who don't take control their finances. There can come a time where you'll have to live in your car or on the street because you made bad decisions. I'm living reality of that right now
They don't teach this in school for a reason, they want us to be ignorant. Don't feel bad for not knowing initially. But I pray in Jesus name that a huge blessing comes to you and that you aren't homeless. Once he clears your path going forth use this clean slate to obtain knowledge. Mistakes are the best teacher! Oh and I'm literally in the same boat, I may be drowning in debt but I'm not dying of thirst,! My eviction also strengthened my conviction in the lord! Never give up! This inflation is a modern day famine. The wages aren't inflating so it's hard to stay afloat but keep your faith.
We do this, but instead of using cash we use different bank accounts and an excel spreadsheet to track how much each account gets per paycheck. It’s easy and basic budgeting, so I’m always surprised when people don’t do something similar.
"Don't overly complicate the system". Proceeds to withdraw cash, handle cash, put it in separate envelopes in a folder, heads to bank to re-deposit each envelope separately towards each bill. 🤦🏾♀️ two words.. online banking.
you do realize not everyone works the same way right? you're not theain characyer of other people's stories. online banking doesn't work for everyone. beyond that, she literally _just_ said she doesn't go back + forth to the bank to pay bills. try therapy. feel better soon.
@@hellaSwankkyToo Woah. I think you are the one thats needs to try therapy because you are way too triggered. OP is right. This is a whole complicated procedure and extra process she made for herself to double handle everything rather than just doing everything online (which if you paid attention she said she ARLEADY USES, so "online banking isn't for everyone" is a ridiculous excuse for you make). Most people don't even physically see their money. Its goes into your account from work and then from that account to your bills. OP is totally right, this is the opposite of not "overcomplicating it".
Folks who do this are those who tend to have a difficult time keeping track and not overspending. Which is true of a lot of people. They use credit and get in over their heads. This makes it all very present for them and helps them. When they deposit the cash it’s all at once not sep deposits into different accounts. So for the cost of one trip to the bank each month and some risk by having cash around…they are able to stay on track. It’s like logging food or keeping a to do list. A system that helps you focus.
I don’t think you’re understanding what she’s saying, she says that she puts everything and start saving a month in advance so that when it’s time for her to go to the bank she puts all of the money from that binder into her bank so that all of her bills are paid when they should. Not all people prefer to have their money in the bank all the time some people do you prefer cash🤷🏽♀️
It helps people who are neurodivergent to be able to see physical money. With ADHD, if I’m not lookin directly at it, it kinda doesn’t exist for me so bills are forgotten and are a surprise half the time. This is a little physical reminder of every bill so they are no longer this abstract concept I have to remember. That’s one reason to have this physical setup.
All the young people watching :take this very intelligent organized ladies advice and please if you can follow her to the letter..I was a waitress and owned a home daycare and was paid in cash for the most part and this is exactly how I did my bills and by also adding a book for savings and putting everything outside of your necessary expenses in there and dont touch it unless emergency comes up and you will see that add up very quickly if you do this ...just follow this awesome lady and she will steer you in the right direction...I love to see young people start out like this and do well for themselves..love her organization skills!!!
@@itsbuffy0205 I just looked at her website and I am not paying $50 for a book I just found on Amazon for $15 & lessss💀. I can just use my cricut to put the cute lettering.
I hope one day you'll move on to just transferring the amount to your bill account, instead of cashing it and maintaining that folder, then depositing again the following month.
Great job! I taught my children the envelope method of budgeting and saving. It’s a great self beginner banking system. With this method you will always be on time paying your bills and you will never have any fees taken out of your bank account. You can account for every single dollar spent.
You can do it too. I used to be as you say notorious for losing things as well. My keys. My phone. Money. My wallet. I had to make a decision. I would not lose things anymore. I became hyperfocused on making sure I had all my belongings before leaving anywhere. It took about a year. Now it is second nature. Being forgetful and losing things aren't a part of anybody's personality or a character flaw. It's just non discipline. You have to take control. I hope you receive this well and take heed. I was losing stuff all through my young years and it continued well into my late 40s. You don't just outgrow it. Enough was enough. I had too much responsibility and was well accomplished in other areas of my life and I needed that aspect to match up. It's a part of leveling up. Take care beautiful. Stay well. 😊
I needed to see this today. I used pay the rent for February and march every time I got my taxes, so that it i was ever behind a month, or something unexpected came up, I was already a month ahead. But my landlord was always calling me on the 10th, and sending notice to pay…I had to remind him every single month that I wasn’t behind, but two and a half weeks AHEAD
Think about it - put aside in an envelope labeled- lights, gas, cell phone, rent, etc. Just get started if not with this method, come up with your own system.
Not hard. Just take your bills individually, one by one, and divide it by 4 (which is 4 weeks of paychecks). That’s how much you take out of your check per week so you have the bill money set aside. For example: Your phone bill is 100.00 per month. Divide it by 4(weeks)= 25.00 you take out of your check per week.. Then go to the next bill. After you have done this with each bill, then add it all up any the total is how much you take out per week do you have the money to pay your bills. If you don’t have anything leftover, or don’t make enough, you gotta start unloading things you don’t need.
This is a wonderful method and everyone should listen to it if you're having problems with your bills this is great this girl is on the money!! Thank you for sharing this information to so many people have no clue
This is the BEST and i mean that! The best cash envelope budgeting video ive ever found ❤ and TRUST ME i have logged hundreds of hours watching cash envelope videos.
Oohh I'm so glad I found this channel and this video specifically. I've always wondered how one was able to do the cash method when everything is electronic. You simplified so easily, thank you!
Just get another checking acct for your bills. Much much simpler. Instead of taking the cash out and putting it in your folders. Just transfer 1/4 of your bills out of your main checking acct into your now 'bill' checking account (all done online). You actually are doing way more work. Our household already does this and like you we are a month ahead. No cash is in our hands...its all done online.
The whole point of this method is to be able to physically see the money, not just a number. For a lot of people, when you physically see how much money you have/don't have, you're more likely to hold onto it instead of just mindlessly swiping a card
You go girl, I've been using that system for over 50 years and now my children and my grandchildren are. There's a huge difference between you and I though. Yours is a whole lot prettier 😍
Some people need to see it, and/or hold the cash to help them keep track. Since she already puts them all into her account for autodraft, so they're all going to the same place, it could be simplified by having one envelope of "bills." 🤔 Maybe she needs to see the specific about the bills so she can see what she's working for- if she overspends, she'll be affecting her internet, heat, Netflix subscription, etc. Everybody is different; do whatever works for you.
@@MeAVE243 the simplified version, keep track of your check book, like how it was when they started. Shes literally removing it to have physical proof to put back in. This is now no longer the simplified version which is where were coming from. No hate on the moves, just dont say its something that its clearly not. Also, i stand by my first comment, if your budgeting why waste money on cute-sy binders to stock it in??? Thats a glorified waste of money if where worried about pennies, which op seems to be.
That’s exactly how my mother taught me years ago I passed it on to my Daughter thankfully myself or my daughter have never been in debt just like mum before us.that’s good housekeeping. Well done girl.
Gets paid weekly (4 times per month); divides each monthly bill by 4 and then put aside that 1/4 amount each week from the weekly paycheck. Then make one big bank deposit at the end of the month right before the bill payments are Auto Drafted from the bank account.
I haven't see a paper bill in years. My pay goes directly into my account, and I pay out bills directly from my account. I don't SPEND my money, so I'm good every month. I think my system is more simple.
I do this just without the cash. I have multiple accounts and I transfer 1/4 of my monthly bills amount weekly into a reserve account so I’m a month ahead. It’s the best method I’ve ever used!
@@tinachambers1376 I ordered mine from Amazon, too. You can get them between eight and $15, and if you need extra money envelope sheets there about $10 for 10. I can’t wait to get mine! It should be here by… Tomorrow! Yay!
Damn! See this is the kinda woman I strive to be. These are the videos that should be! I don’t wanna learn the 25th step for facial care, or broads comparing their make up discovery to fire, or how to dress like I don’t respect myself to get a man. Oo Oo ok..O…..k, lol..had myself a moment there. Shit
It's fascinating seeing this level of organization. In my country we've gone completely digital for maybe 4-5 years now (could be inaccurate since my memory is a bit fuzzy). Most people here haven't even seen physical money since before the pandemic and everything that requires identification (schooling, work, gov docs, insurance, healthcare, etc) requires you to be set up with one of our countries online banking apps. The one I use has a built in _savings_ function where you can set how much of your balance at the end of every month to be put away. It's really helpful for people like me who don't have good impulse control because it always appears as if I have less than I do and I'm very much an "out of site, out of mind" person so it's nice checking the savings and realizing I've gotten a decent cushion.
Do you know how many times I've told this to I don't know how many people!? EXCELLENT VIDEO. If schools could teach things like this, that'd be grrreat.
I’m not sure how she does it but as someone who gets paid with cash (waitress) it’s helpful. Typically on a good night shift I make close to 3 hundred in cash so the binders helpful in sorting.
As a 24 year old who had ZERO financial classes throughout school. I had to watch this video like 4 times to understand that part where you explain the bill account and having 1 month in advanced. When I understood it, I realized how horrible the American education system is with financial literacy. It should not have taken me that long to understand such basic words. I couldn't, and still can't, afford to take classes I do not need for my degree. So, finance classes beyind what's required are out of the question. I thank you. I'm also paid weekly, working for a small LLC in my town as it's all I can get without a completed degree. I don't make enough to save yet, but it's nice to have the thought for when we get more work and I eventually do make enough.
I need this bill planner where can I get one or how did you make it? It’s so cute and it help me with my bills! Plus you’re idea is such a great idea! I am definitely going to try my hand at it 😍
Me too would be nice to be able to not have to burrow between paychecks by the time I get my paycheck already half of it goes out to the ppl I burrowed from
Get rid of the storage its a waste of money any financial advisor will tell you that.Go and put the money you saved from storage in savings or pay off a bill.All love to you ❤ 💕
This is great as a first step or for someone who need to visualize where their money goes. Another way to do this is to have three accounts at a bank. The paycheck will get direct deposited into the first one. Transfer 1/4 total bill amount each week (if paid weekly) into bill account. then transfer spending cash to the spending account. An additional benefit is your debit card for the spending cash is more likely to become compromised but your bill account money would be safe. You could use the transfer account to save up money or start a savings account as well.
4 weeks in month 4 trips to bank. For me it doesn't work. I just started just using 1 credit card pay everything I can on it then track that my spending doesn't exceed what I allotted. I only keep cash for gas & tips.
You go girl! ive been able to save money too by pretending that the money I put back doesn't exist. It works! You're method is very smart as well! Awesome job! You should be very proud of your self!
I typed in the search “bill organizer with cash envelopes” and got a lot of options. Hope you find the one you like best. I am amazed to see these are a thing lol this whole time I just use regular mailing envelopes in a small make up bag. Lol
I love money and organization and I’ve been doing this (but not cute envelope books, just regular envelopes) for years and this just did something for me girl
Why be negative?? It's not like she's a millionaire. She gets paid weekly. She's a young lady by the sound of it. You acting as if she showing off bling, cars, mansion, a bathtub full of $100 notes. Shame on who'd actually invade this few dollars when she's only trying to share FOR FREE a tip that works for her.
Calculate your monthly expenses and the total divide it by 12. That’s the amount you’re gonna save per month for a year (or the time you decide) to have one month ahead so you don’t have to wait for your paycheck to star paying your bills. Then when you get paid that’s for the next month expenses. You can also use bonuses, xtra checks, tax refunds, etc.
I always had 3 months living expenses in a no-touch account, with no checks or debit card on hand for that one. I also used direct deposit for my paycheck and put a specific amount into savings each payday. Never pass up on matching 401k opportunity, it’s free cash. You are NEVER too young to save for retirement. To build and maintain your credit rating, get and use a few credit cards, but NEVER miss your minimum payment each month. Making on time payments is how you build your rating. This will ensure you get the best interest rates when you purchase a car or home.
I used the envelope system for several years. Nothing so fancy. Just brown envelopes I kept in an old binder. Now I have a virtual system and several “envelopes”. I still treat them like physical envelopes. My husband thinks it weird that I say I don’t have money for something while my bank account says I have a ton. 😂
I need this in my life. I just started getting back on track with my finances but all it takes is some kind of circumstance to fuck shit up. Now I’m just all over the place trying to get things back together again.
This is how I save for multiple holidays a year. Money envelopes. The longer in front you book, the less you have to save every week. This year I spent 3 months abroad distributed over 7 all inclusive package holidays. Delay your gratification and it's all attainable.👍
I am a tipped employee. I use a method like this, only I do this nightly. I take out 10% of my nightly earnings for food gas etc. Then split the remainder, deposit half in the bank nightly, and then put the other half in the cookie jar. I pay all my bills, and have a savings to put me several months ahead.
Good for people who are undisciplined about their finance and who are still taking cash. But for me, handling bills is just like eating, it is mandatory, basic and about willingness to eat on time to keep you healthy. So mindset's more important.. But respect for you that use "alarm or watch" to remind yourselves.. Coz I've been there, thou when you know it's part of you, this method can be rested
This is a fantastic way to get your budget and spending under control. One month is a great goal at first but I challenge you to not stop there. Keep saving until you have 2, 3, 6, 10 months saved and beyond. Seeing the money come and go (and not just in a spreadsheet) is the best teacher. I was taught to only take cash to the grocery store, that way you cannot overspend. This was difficult to do but I did it for years. Lastly don’t forget to set aside money monthly for oil changes, prescriptions, birthday/Christmas gifts, and dental visits. Many people think this is a really restrictive way to live but it is actually the opposite. If you save for entertainment too, you can spend with glee (within that planned expenditure). There is so much less stress when you plan how to spend your money so that your lack of money doesn’t weigh heavily on you.
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Now this is the type of classes they need to offer in high school. Cuz I could’ve used this advice greatly before racking up 10k debt partying to Die Young 🎉 🤦🏻♀️
They need to start money awareness classes in grade 5 or 6. It would have made my life a lot easier.
@@louisejohnson6057 Exactly, they really need to re-evaluate their curriculum and set our future generations up for better success in life.
You are so right about that.
They will never teach finances in school, the system is set up to keep us poor, living paycheck to paycheck.
That’s what they wanted you to do. They don’t teach real life skills so that you fail in life
Stay at home mom here. She is speaking facts. I learned this when I was younger, I helped my mom mange her money. I managed my money just like that too but my goal was to have a whole year saved of mortgage payments and 50% of bills like the light bill and water. Once I did me and my hubby started a family. I started managing his money and at first it was a little tighter than he would like but I wanted to save at least three months of bills including mortgage quickly. It wasn’t easy he had to do over time and side jobs. 😂 but he thanked me. Now our goal is to save up for retirement and for the kids.
They should teach something like this in high school. They did even teach us how to manage a check book!
This would really help people out for they whole life
HE had to do overtime and side jobs? Why don’t you get employment and contribute a bit yourself????
@@Theleaddog she's contributing by taking care of the house and kids.
I'm a stay at home mom, too. It sounds like you're doing awesome. Don't listen to ignorant people 🙂 Being a stay at home mom is a job. You're on the clock 24/7. Just because you're not doing things to get paid doesn't make it any less important.
@@Theleaddog because this was for his own personal savings that he would later use to obtain some passive income. We have a budget and we wanted to stick to it. If it was a necessity I would’ve worked or at the very least go into my savings.
Don't let people know your house is full of cash.... Most crimes are committed by someone you know.
Thats what I was thinking. But maybe she's got a safe
@@donnathomas3312 yeah but if the safe is in your house, they coming into your house, people will literally murder over a safe only of birth certificates because somebody was flexing their income tax refunds on social media. ive seen it many times in my city.
Safes are picked up and carried right out of the house. A safe isn't safe
@@america1403 you can bolt it down from the inside of the safe. Not a completely perfect option but probably the best for keeping cash in your home.
Also don't let randos know you have cancer or chronic pain. This happened with my mom and a girl's addict bf down the street broke into her house and stole all of her pain meds and laptop.
He got his, country style. Between that and keeping it hush on who she was staying with when she got worse, we didn't have any more issues.
I've been doing this method since beginning of the year. I was able to take a family vacation without all the stress worrying about money. I specifically had set the money aside for it. I recently had a emergency vet bill and was able to pay without a second thought. It was so nice just to worry about the care of my cat and not money.
That's awesome!
Hi Brenda, is kitty ok now? 🥹🥰
@@angeldust12 yeah she's back to being my grumpy bossy old lady.
It is very surprising the extra this systems rewards you with. On vacation use the same process. An envelope for daily spend and carry foward what you do not use to the next day but you don't dip in to the next day allowance. Also have envelopes for airport food, duty free, pre vacation hotel if you drive stay over then fly. The budgeting feels so fresh
Good idee where you get the purses from, handy tips..
Ok so I'm finally getting the one month ahead method & planning to start doing this
my mom says three months is best. sounds like that’s what she aimed for too but may even be more.
One month ahead is good, three is a good safety net, six months even better but a year would fantastic. I said that to encourage you to not just stop at one month when you can build a good safety net for yourself especially with all the inflated prices we have been seeing. I hope you reach your goals soon!
I love how organized you are.
👍
My friend used this method…it worked so well for her! She actually joined a group of ladies who met every week to go thru the whole process together & it also encouraged them to support each other! Nice video!
That’s awesome!
@@Baddiesandbudgets kindly explain a little bit more i dint understand
This is good if you have the funds. If you’re paycheck to paycheck or taking care of others don’t worry you will get there
agree with you
Right like what kind of job does she have that pays that much weekly that’s a lot of money...I work security at a casino we’re the highest paid department there and I barely make it paycheck to paycheck guess I got to start paying more attention to what I’m spending it on
My older daughter had a problem with over spending. My sister told her about this method. It did take a bit to get the hang of it but soon she was one month ahead and then two months ahead, etc. Paying her bills this way enabled her to see what money was left over for spend on fun stuff.
Yes love your method. I remember my old supervisor telling me him and his wife always pay their bills a month in advance.
Can you do all of them cause cause how do you like how do you keep track of that like that's like some big big routine routine to do and and if you're that really smart that's kind of that's kinda You're really smart girl and you're beautiful I love your nails no offense
No shit. If that’s not common sense to all u people. This is why world is fucked lol
How can you pay a bill in advance if it has a zero balance like the utilities
@@Saynothing869 by keeping it separately stored
@@chelsiiiwhoo4030 oh ok
Hon I am so proud of you. I'm going to have to use your method. I just retired and am going to get SS. This is a good way to keep track. Awesome! 💕👍🤗
You are an inspiration! Just don’t let anyone find out your real name or where you stay at with all that 💵 💵!!
Wtf man! I love how you stack it like monopoly money. One day I'll get there!
Yes you will🙏❤🤗
👍
I am so glad to have found your page...with ALL that is going on in the world today, staying focused has been difficult, but watching your content has been sooooooo encouraging! Thanks a milli sis❤️❤️❤️❤️❤️
👍
I have been doing this for years, but in envelopes. Those binders look nice.
👍
Dude... The "getting ahead" on payments is super hard to start out and have everything lined up around the same time (Which may not even be necessary until you get started and talk to your payees).. but I feel super inspired.. I had to listen like 13 times to fully completely understand exactly what she's doing. This is awesome. Once I get back on my feet I'm certainly looking into doing this. I need to see my payments and bills. Like seeing 100$ in cash is SO different than seeing 100$ on my online account. I didn't know this was a thing but me being a visual & hands on learner, this is incredible. So helpful. Thanks girl for opening up a whole new world for me. Finances are hard these days and to see my real life money I can spend will change the way I live my life. I've just been raw doggin this shit for years. Again, thank YOU!
Honestly anything has got to be better than my pay and pray method 😂 Good job!
There are 4 months with 5 pay days which will bring you an extra month ahead at the end of one year.
This video is unbelievable. I grew up ruining my credit before I even knew what a credit was. Fast forward for many years and here I am and have nothing to show no money saved broke in debt bad very bad credit and will be homeless in 3 days with nowhere to go. Yes I actually have more than one job. Let this be a lesson to those who don't take control their finances. There can come a time where you'll have to live in your car or on the street because you made bad decisions. I'm living reality of that right now
They don't teach this in school for a reason, they want us to be ignorant. Don't feel bad for not knowing initially. But I pray in Jesus name that a huge blessing comes to you and that you aren't homeless. Once he clears your path going forth use this clean slate to obtain knowledge. Mistakes are the best teacher! Oh and I'm literally in the same boat, I may be drowning in debt but I'm not dying of thirst,! My eviction also strengthened my conviction in the lord! Never give up! This inflation is a modern day famine. The wages aren't inflating so it's hard to stay afloat but keep your faith.
I pray things will get better
May God bless ya!
Wow! You're pretty sober and seem repentant about it. I pray God helps you out
I can always rebuild ur credit especially if it’s all been 5-7 years start building secured credit card
Good luck stay positive!
Finally someone does an excellent job explaining this method. Thank you. I found the answers I was seeking.
We do this, but instead of using cash we use different bank accounts and an excel spreadsheet to track how much each account gets per paycheck. It’s easy and basic budgeting, so I’m always surprised when people don’t do something similar.
"Don't overly complicate the system". Proceeds to withdraw cash, handle cash, put it in separate envelopes in a folder, heads to bank to re-deposit each envelope separately towards each bill. 🤦🏾♀️ two words.. online banking.
you do realize not everyone works the same way right? you're not theain characyer of other people's stories.
online banking doesn't work for everyone.
beyond that, she literally _just_ said she doesn't go back + forth to the bank to pay bills.
try therapy. feel better soon.
@@hellaSwankkyToo Woah. I think you are the one thats needs to try therapy because you are way too triggered. OP is right. This is a whole complicated procedure and extra process she made for herself to double handle everything rather than just doing everything online (which if you paid attention she said she ARLEADY USES, so "online banking isn't for everyone" is a ridiculous excuse for you make). Most people don't even physically see their money. Its goes into your account from work and then from that account to your bills. OP is totally right, this is the opposite of not "overcomplicating it".
Folks who do this are those who tend to have a difficult time keeping track and not overspending. Which is true of a lot of people. They use credit and get in over their heads. This makes it all very present for them and helps them. When they deposit the cash it’s all at once not sep deposits into different accounts. So for the cost of one trip to the bank each month and some risk by having cash around…they are able to stay on track. It’s like logging food or keeping a to do list. A system that helps you focus.
I don’t think you’re understanding what she’s saying, she says that she puts everything and start saving a month in advance so that when it’s time for her to go to the bank she puts all of the money from that binder into her bank so that all of her bills are paid when they should. Not all people prefer to have their money in the bank all the time some people do you prefer cash🤷🏽♀️
It helps people who are neurodivergent to be able to see physical money. With ADHD, if I’m not lookin directly at it, it kinda doesn’t exist for me so bills are forgotten and are a surprise half the time.
This is a little physical reminder of every bill so they are no longer this abstract concept I have to remember. That’s one reason to have this physical setup.
All the young people watching :take this very intelligent organized ladies advice and please if you can follow her to the letter..I was a waitress and owned a home daycare and was paid in cash for the most part and this is exactly how I did my bills and by also adding a book for savings and putting everything outside of your necessary expenses in there and dont touch it unless emergency comes up and you will see that add up very quickly if you do this ...just follow this awesome lady and she will steer you in the right direction...I love to see young people start out like this and do well for themselves..love her organization skills!!!
I’m good on the bills I just wanna know where you got that cute ass book? 😂
Yeah, I wanna know, too!!
That's her website
@@itsbuffy0205 I just looked at her website and I am not paying $50 for a book I just found on Amazon for $15 & lessss💀. I can just use my cricut to put the cute lettering.
@@LaRenaEasterly what did you type in Amazon to find it?
@@LaRenaEasterly what is it called on amazon?
Your system is logical and visually appealing. I love the organization.
I hope one day you'll move on to just transferring the amount to your bill account, instead of cashing it and maintaining that folder, then depositing again the following month.
Great job! I taught my children the envelope method of budgeting and saving. It’s a great self beginner banking system. With this method you will always be on time paying your bills and you will never have any fees taken out of your bank account.
You can account for every single dollar spent.
I've been doing this for years but I don't have a fancy book like you 🥰
Ikr I want where can I find it
Was taught this method like 15 years ago and it really changed my life !! Recommend it. And have taught it to my friend and ppl I like .
Only issue is, I’m notorious for losing things. Too risky for me, girl but I support you 100% for accomplishing your dreams 💕
You can do it too. I used to be as you say notorious for losing things as well. My keys. My phone. Money. My wallet. I had to make a decision. I would not lose things anymore. I became hyperfocused on making sure I had all my belongings before leaving anywhere. It took about a year. Now it is second nature. Being forgetful and losing things aren't a part of anybody's personality or a character flaw. It's just non discipline. You have to take control. I hope you receive this well and take heed. I was losing stuff all through my young years and it continued well into my late 40s. You don't just outgrow it. Enough was enough. I had too much responsibility and was well accomplished in other areas of my life and I needed that aspect to match up. It's a part of leveling up. Take care beautiful. Stay well. 😊
I needed to see this today. I used pay the rent for February and march every time I got my taxes, so that it i was ever behind a month, or something unexpected came up, I was already a month ahead. But my landlord was always calling me on the 10th, and sending notice to pay…I had to remind him every single month that I wasn’t behind, but two and a half weeks AHEAD
Wow, this is too complicated for me, but I love your organizational methods. Way to go!
Think about it - put aside in an envelope labeled- lights, gas, cell phone, rent, etc. Just get started if not with this method, come up with your own system.
Not hard. Just take your bills individually, one by one, and divide it by 4 (which is 4 weeks of paychecks). That’s how much you take out of your check per week so you have the bill money set aside. For example:
Your phone bill is 100.00 per month. Divide it by 4(weeks)= 25.00 you take out of your check per week..
Then go to the next bill. After you have done this with each bill, then add it all up any the total is how much you take out per week do you have the money to pay your bills. If you don’t have anything leftover, or don’t make enough, you gotta start unloading things you don’t need.
This is a wonderful method and everyone should listen to it if you're having problems with your bills this is great this girl is on the money!! Thank you for sharing this information to so many people have no clue
We get pay once a month in retirement and disability and I don’t even have money left over to buy one of those pretty books…. That’s my facts
👍
This is the BEST and i mean that! The best cash envelope budgeting video ive ever found ❤ and TRUST ME i have logged hundreds of hours watching cash envelope videos.
My problem is the “no touch”.
I always touch 😅
Oohh I'm so glad I found this channel and this video specifically. I've always wondered how one was able to do the cash method when everything is electronic. You simplified so easily, thank you!
Just get another checking acct for your bills. Much much simpler.
Instead of taking the cash out and putting it in your folders.
Just transfer 1/4 of your bills out of your main checking acct into your now 'bill' checking account (all done online).
You actually are doing way more work.
Our household already does this and like you we are a month ahead.
No cash is in our hands...its all done online.
I have a checking account for my bills. This method works for me, thanks
@@Baddiesandbudgets where do you get the binders, tabs and clear money holders. I’d like to share this technique w/ my kids
The whole point of this method is to be able to physically see the money, not just a number. For a lot of people, when you physically see how much money you have/don't have, you're more likely to hold onto it instead of just mindlessly swiping a card
@@Baddiesandbudgetshi Binders are cute where did you get them
@@FaiAh_Fly www.baddiesandbudgets.com
You go girl, I've been using that system for over 50 years and now my children and my grandchildren are. There's a huge difference between you and I though. Yours is a whole lot prettier 😍
"Don't over complicate the system"... proceeds to overcomplicate paying bills
😂
That is awesome
Its the expensive multiple mini binders for me 🤣🤣🤣🤣🤣
Some people need to see it, and/or hold the cash to help them keep track. Since she already puts them all into her account for autodraft, so they're all going to the same place, it could be simplified by having one envelope of "bills." 🤔 Maybe she needs to see the specific about the bills so she can see what she's working for- if she overspends, she'll be affecting her internet, heat, Netflix subscription, etc. Everybody is different; do whatever works for you.
@@MeAVE243 the simplified version, keep track of your check book, like how it was when they started. Shes literally removing it to have physical proof to put back in. This is now no longer the simplified version which is where were coming from. No hate on the moves, just dont say its something that its clearly not. Also, i stand by my first comment, if your budgeting why waste money on cute-sy binders to stock it in??? Thats a glorified waste of money if where worried about pennies, which op seems to be.
That’s exactly how my mother taught me years ago I passed it on to my Daughter thankfully myself or my daughter have never been in debt just like mum before us.that’s good housekeeping. Well done girl.
It’s soooo ✨aesthetic✨😍
Gets paid weekly (4 times per month); divides each monthly bill by 4 and then put aside that 1/4 amount each week from the weekly paycheck. Then make one big bank deposit at the end of the month right before the bill payments are Auto Drafted from the bank account.
I haven't see a paper bill in years. My pay goes directly into my account, and I pay out bills directly from my account. I don't SPEND my money, so I'm good every month. I think my system is more simple.
Do what works for you.
I do this just without the cash. I have multiple accounts and I transfer 1/4 of my monthly bills amount weekly into a reserve account so I’m a month ahead. It’s the best method I’ve ever used!
Where did you get that bill binder? It would be perfect for myself and my mom!
I got mine off Amazon
@@tinachambers1376 I ordered mine from Amazon, too. You can get them between eight and $15, and if you need extra money envelope sheets there about $10 for 10. I can’t wait to get mine! It should be here by… Tomorrow! Yay!
@@noodlepoodlegirl what's the name of it on Amazon sis?
Hell yes I love seeing women taking control of their finances
Damn! See this is the kinda woman I strive to be. These are the videos that should be!
I don’t wanna learn the 25th step for facial care, or broads comparing their make up discovery to fire, or how to dress like I don’t respect myself to get a man.
Oo Oo ok..O…..k, lol..had myself a moment there.
Shit
Everyone has their method U YOU GO GIRL.
I love your nails🥰and how organized you are
It's fascinating seeing this level of organization. In my country we've gone completely digital for maybe 4-5 years now (could be inaccurate since my memory is a bit fuzzy). Most people here haven't even seen physical money since before the pandemic and everything that requires identification (schooling, work, gov docs, insurance, healthcare, etc) requires you to be set up with one of our countries online banking apps. The one I use has a built in _savings_ function where you can set how much of your balance at the end of every month to be put away. It's really helpful for people like me who don't have good impulse control because it always appears as if I have less than I do and I'm very much an "out of site, out of mind" person so it's nice checking the savings and realizing I've gotten a decent cushion.
Imaging loosing your entire months’ budget all at once...
Do you know how many times I've told this to I don't know how many people!? EXCELLENT VIDEO. If schools could teach things like this, that'd be grrreat.
You take it off your card to sort it then put it back in the bank?
I’m not sure how she does it but as someone who gets paid with cash (waitress) it’s helpful. Typically on a good night shift I make close to 3 hundred in cash so the binders helpful in sorting.
It’s a good way for people who might struggle otherwise to budget, by having the cash there physically it can help
As a 24 year old who had ZERO financial classes throughout school. I had to watch this video like 4 times to understand that part where you explain the bill account and having 1 month in advanced. When I understood it, I realized how horrible the American education system is with financial literacy.
It should not have taken me that long to understand such basic words.
I couldn't, and still can't, afford to take classes I do not need for my degree. So, finance classes beyind what's required are out of the question.
I thank you. I'm also paid weekly, working for a small LLC in my town as it's all I can get without a completed degree. I don't make enough to save yet, but it's nice to have the thought for when we get more work and I eventually do make enough.
How adorable this is, is unreal 🤩
I admire people who can do this because my adhd would lose the binder, forget to deposit or withdraw on the right day, lose my wallet, etc.
I need this bill planner where can I get one or how did you make it? It’s so cute and it help me with my bills! Plus you’re idea is such a great idea! I am definitely going to try my hand at it 😍
I found it in Amazon under
Bill binder with money envelope
a lot of stores have these binders Walmart and hobby lobby both.
Oooh!! Awesome thank y’all so much! I wasn’t sure if she made it herself or if they were in stores. I am so buying myself one now 😊
She has these shown on her website... but you can also find similar ones in Walmart, Office Max, etc.
Me too would be nice to be able to not have to burrow between paychecks by the time I get my paycheck already half of it goes out to the ppl I burrowed from
I did this for years and always stayed ahead. I used to ask for the yellow envelopes from the teller and separated into those. It works.
U go gal 😅😃 love that 💞
You are a Godsend when it comes to keeping it simple with budgeting and finances and starting ahead of the game. Thank you!!! 💯 💕🙏🏽🙂
You better put this money and stack it in your ecret safety deposit, not a bank...
The first month getting started is the hardest because you can't spend much but after that it's a really great method for paying all kinds of bills :)
Oh I need to do this asap❤thank you for posting this.
Wonderful! I still have my mom’s cash envelope system from the 1950’s! 😊
Get rid of the storage its a waste of money any financial advisor will tell you that.Go and put the money you saved from storage in savings or pay off a bill.All love to you ❤ 💕
This is great as a first step or for someone who need to visualize where their money goes. Another way to do this is to have three accounts at a bank. The paycheck will get direct deposited into the first one. Transfer 1/4 total bill amount each week (if paid weekly) into bill account. then transfer spending cash to the spending account. An additional benefit is your debit card for the spending cash is more likely to become compromised but your bill account money would be safe. You could use the transfer account to save up money or start a savings account as well.
So...when you go to take out more money, you also deposit money for that month's bills? How many trips do you usually take to the bank a month?
4 weeks in month 4 trips to bank. For me it doesn't work. I just started just using 1 credit card pay everything I can on it then track that my spending doesn't exceed what I allotted. I only keep cash for gas & tips.
Too many trips.
You go girl! ive been able to save money too by pretending that the money I put back doesn't exist. It works! You're method is very smart as well! Awesome job! You should be very proud of your self!
Went to your Amazon storefront hoping to find your bill binder and envelopes 😢 where'd you get them? Super cute and also helpful!
Her Amazon one is for things she likes on Amazon..... She has the link to her own website for her products listed in the description.
I typed in the search “bill organizer with cash envelopes” and got a lot of options. Hope you find the one you like best. I am amazed to see these are a thing lol this whole time I just use regular mailing envelopes in a small make up bag. Lol
dollar tree, family dollar and dollar general stores have the little planner...dont over complicate it!❤🙏🏽😉.
@@christy9810 oh...ok
Oh…I love this level of organization!
Where did you purchase you bill paying binder?
www.baddiesandbudgets.com
I love money and organization and I’ve been doing this (but not cute envelope books, just regular envelopes) for years and this just did something for me girl
Nice idea but to broadcast you setting yourself up for a home Invasion 🏡 😬😵💫😵
Why be negative?? It's not like she's a millionaire. She gets paid weekly. She's a young lady by the sound of it. You acting as if she showing off bling, cars, mansion, a bathtub full of $100 notes. Shame on who'd actually invade this few dollars when she's only trying to share FOR FREE a tip that works for her.
To me that’s a lot of cash in the house. It’s risky for not only theft but also fire.
@@sheenalynn8664
Better to be safe than sorry 😞
( Wasn't a negative statement)
@@sheenalynn8664
Would be nice to use ones Common Sense instead of saying NEGATIVE things.
You may want to thi g about that.
These are the videos and advice women need fr
How did you get one month ahead?
Calculate your monthly expenses and the total divide it by 12. That’s the amount you’re gonna save per month for a year (or the time you decide) to have one month ahead so you don’t have to wait for your paycheck to star paying your bills. Then when you get paid that’s for the next month expenses.
You can also use bonuses, xtra checks, tax refunds, etc.
@@zulynava4059 oh smart. Thank you
This one little video explained it so quick and clear. Makes sense now
Gonna start
I always had 3 months living expenses in a no-touch account, with no checks or debit card on hand for that one. I also used direct deposit for my paycheck and put a specific amount into savings each payday. Never pass up on matching 401k opportunity, it’s free cash. You are NEVER too young to save for retirement. To build and maintain your credit rating, get and use a few credit cards, but NEVER miss your minimum payment each month. Making on time payments is how you build your rating. This will ensure you get the best interest rates when you purchase a car or home.
That's what I used to do when I could afford to do this. It worked well for me until I became disabled.
I just started getting paid weekly and this is so helpful - thank you
I just love this little wallet! ❤ I love the organization!
I’m obsessed with how you’ve designed your planner😍
This is so cool and I love the organization. That being said, I cannot and would not do this myself, because this level of structure is not who I am.
I love her nails, the binder as well, cool and amazing idea
While useful af advice and saving this for later I can't stop looking at all THE PRETTY COLORS PLEASE-
I used the envelope system for several years. Nothing so fancy. Just brown envelopes I kept in an old binder. Now I have a virtual system and several “envelopes”. I still treat them like physical envelopes. My husband thinks it weird that I say I don’t have money for something while my bank account says I have a ton. 😂
I've done this for years and it has served me well.
I need this in my life. I just started getting back on track with my finances but all it takes is some kind of circumstance to fuck shit up. Now I’m just all over the place trying to get things back together again.
Love your binders and poms...That is a great system to stay on point with your payments.
this is 100% how we keep our budget right and has been for over a decade!
Brilliant..I love those money books..I make junk journals and will use your process to lower my stress on the first week of every month. Thanks
Thabkyou for this video, I'm also weekly and wanted to cash stuff but didn't know how I'd manage. This was really helpful xx
This is how I save for multiple holidays a year. Money envelopes. The longer in front you book, the less you have to save every week. This year I spent 3 months abroad distributed over 7 all inclusive package holidays. Delay your gratification and it's all attainable.👍
Respecting the system is the 🔑
I am a tipped employee. I use a method like this, only I do this nightly.
I take out 10% of my nightly earnings for food gas etc. Then split the remainder, deposit half in the bank nightly, and then put the other half in the cookie jar.
I pay all my bills, and have a savings to put me several months ahead.
Omg those binders are so cute!
Why is watching this video so satisfying. ? Everything is so pretty and organized. I love it. Thank you. ❤️🤗
Good for people who are undisciplined about their finance and who are still taking cash. But for me, handling bills is just like eating, it is mandatory, basic and about willingness to eat on time to keep you healthy. So mindset's more important.. But respect for you that use "alarm or watch" to remind yourselves.. Coz I've been there, thou when you know it's part of you, this method can be rested
This is a fantastic way to get your budget and spending under control. One month is a great goal at first but I challenge you to not stop there. Keep saving until you have 2, 3, 6, 10 months saved and beyond. Seeing the money come and go (and not just in a spreadsheet) is the best teacher. I was taught to only take cash to the grocery store, that way you cannot overspend. This was difficult to do but I did it for years. Lastly don’t forget to set aside money monthly for oil changes, prescriptions, birthday/Christmas gifts, and dental visits. Many people think this is a really restrictive way to live but it is actually the opposite. If you save for entertainment too, you can spend with glee (within that planned expenditure). There is so much less stress when you plan how to spend your money so that your lack of money doesn’t weigh heavily on you.
This is great my mom has been doing this for years and it really works and you really can save money!