💰Beginner’s Guide To Cash Envelopes & Budgeting | Cash Stuffing Step By Step
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- Опубликовано: 24 ноя 2024
- If you are a beginner to cash stuffing and are asking questions like:
1. How do I get started?
2. What do I need to cash stuff?
3. How do I know how much I can stuff?
and more...
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Great video. When I started almost 3 years ago, I followed the Budget mom. You explained everything perfect. It's hard work on your spending habits and learned behaviors. I started in Jan 2020 . I bought my house as a singles mom in 2021. I will never change how I budget now. This community is amazing. THANK YOU for this video.
Hi there!! I can really relate to your comment! I also changed my life as a single mom and fixed my credit, bought a new car, had my daughter in private school and purchased my first house by budgeting, living below my means and making a lot of sacrifices! It was all so worth it! The sense of confidence that comes with doing it all on your own is worth WAY more than anything money could buy!
I’m so happy you found our channel and to know that you are doing well! 💛💛💛
Hi Jenn! I hope all new budgeters watch this, then watch it again, memorize it (or put it in the 'watch later' que for reference) and start today!! ANY budgeter can start today, bring in that sense of control and management, leading to a sense of hope!! Thank you so much for this important video!! 😊
Hi!! I agree! I was struggling for quite some time- not so long ago and I really just snapped! I was so tired of being tired. Anyone, with any income, is able. I hope we can get that message across to everyone that needs to hear it! 💛💛💛
6:50 how did you go about renting out a room?
I have an Excel spreadsheet that I’ve been marking off bills as they are paid. Nothing worse then forgetting to pay a bill…yes, I’ve been there and it’s frustrating! Especially if it’s something that gets reported to the credit bureaus!
I did not need to go back through my bank statements because I KNEW exactly where my extra spending was…eating out!
I started meal planning through the week and it has saved us a TON of money! Now I know what I need to buy at the grocery store so that has also lowered how much I spend. I still budget for us to eat out (mainly in the weekends).
My husband retired last month so I really had no choice but to get a handle on our spending. It’s so easy to do, we are saving money and there are no more sleepless nights worrying about money.
Getting into a different mindset when things change can be challenging but it sounds like you are a very smart lady!
You have thought of all the things and are taking control- that’s awesome! Once it’s done , it’s done, right? You just follow the plan you’ve laid out for yourself.
Wishing you continued success for 2024!
Happy Retirement! 🥂
I have a chart of bills that are due each month from one paycheck to the next and I pay the specific bills as soon as I got paid (and not when actually due). This way I know I won't forget to pay the bills and also that I'll have money to pay the bills. I also prepare a meal plan for every 2 weeks. Saves money and time
Love the easy breakdown and the important part about forgiving yourself for overspending.
Absolutely! The big thing is continuing to try again ❤️
Frugality is the only way, tracking your daily spending, pay off every statement balances on credit cards, never ever just pay a minimum payment debt is dumb,cash is king 👑 ❤ we are both Retired living our best life, ZERO BASE BUDGET IS AMAZING ❤ FANTASTIC VIDEO ❤
Great advice! Thank you for putting this info out into the world 🌎 I've just been doing this system since October, and already, I made an extra credit card payment! Also, just a couple of days ago, I felt confident enough to share this system with my friend, and now her family is on this journey with mine❤💚 What you do matters and makes a difference, so thank you again 🤗🤩
This is AWESOME, Natasha!! I love everything about this comment! You are doing it! 💛
And to hear that you are sharing your experience is even better- I always say that when you speak it intro the world, it will happen. Thoughts become words. Words become action! 💛💛💛
You really did a good job. Someone should hire you to teach classes on this!
Well, thank you!! I appreciate that - putting these videos out always worry me that I’m not coming across clear. So I’m glad you think I did! 💛💛💛
@@2SisterBees You are very clear. I love to watch you and your sister’s videos. I still am trying to get those cards from the Etsy shop. I always wait to late. LOL
Hi Jenn, I loved your video! I did Ramsey about 2 years ago but did it "-ish" as Dave would say. I think I didn't have all the information I needed and thought I could fill in the blanks myself! I just went back to ALL my bank statements, CC statements, and Venmo transactions (which I always considered 'free' money. I didn't take into account that when I paid something with that it was spending! Uugh!! I have a few CC and other 'normal' bills. I have been ale to pay my bills, but have been wondering why I don't have enough for an emergency fund or savings. WOW! What insight! If anyone else is reading this, I am going to be vulnerable to show you, you are not alone! Over the last 3 months I have spent (excluding my bills): $1100 on Amazon, $700 dining out, $1700 on hobbies (when I have plenty of things to work on already), $600 on misc household, and $1000 on self care, Plus 4-5 tv subscriptions that I barely watch. Thank you for suggesting that I do this tedious task to check where my money is going. I know realize that I do have the money to do this. Thanks again!
Thank you for sharing! I was doing the exact same thing as you. I was spending without paying attention and then wondered why I had no money in savings. We definitely have to know where it ALL goes…. Or it will be gone!
I’m so happy to hear that you went over everything and found so many places you can change and begin saving! That’s an exciting feeling! 💛💛💛
Wonderful video...excellent advice...very relatable. Love watching you, Jen!
I appreciate you so much! Thank you ☺️
Thank you for breaking it down. It’s always great to learn tips
Thank you for watching 👀
Thank you once again for a fantastic video! I’m watching it again and getting my 💩together! I started cash budgeting in September, just a few days before my wedding…not the ideal time, but I was ready to change my finances. It definitely has been a bumpy start with last minute wedding expenses and now the holidays, but I will say I can already tell I’m better off having started. Changing my mindset is what I’m working on now. One month ago I had an awesome buffer in my checking account and it’s all gone now because I fell back into old habits…a humbling experience! So now I’m starting again and determined that things will look dramatically different at this time next year.
No failing- only learning! Keep going! 💛
I love that you didn’t wait for some “ perfect time” to start. Just did it! Yes, girl!! That’s the way to get things done!
Make sure you watch tomorrow’s video - we have some updates for you guys. I don’t want you to miss! 💛💛
It’s the gray area that makes it hard for me like my paychecks vary wildly depending on me
I did a 3 part series on variable income budgets- I think part 3 is where I talk about it:
ruclips.net/video/RMTzY-1AbuY/видео.htmlsi=fQw_aH2kXNUsXdcy
You could average your last several paychecks or even a years worth, whatever is realistic for the kind of money you make now. Add the dollar amounts all up, then divide by the number of paychecks you included. Then you could budget around that but leave a good chunk of wiggle room in your budget in case you have a lower paycheck come in. Just an idea!
I budget weekly, because that's what we're working with. Monthly is not something I do. It'll be neat to see what is saved at the end of the month.
Lived with a few women (I am a woman) it did NOT work out. At 32, an 18 year old male I worked with at home Depot moved into my apartment. We were roomies for 11 years. He met his now wife, they married he moved out. we never had issues. I was his cash envelope. He gave me weekly the money for rent and his bills. The rest was his. Funny note... he decided about 5 years into our arrangement, to move out and move in with 2 of his buddies. 4 months later he was at my door again... they had no electricity, water and all were behind on their rent and starving, the partying was fun though.
That’s a great story! I love it!
The human cash envelope ! 🤣
I have restarted my journey, probably about five times, since my personal finances have changed and situations since 2020. Most of the changes kept happening in 2021 and 2022, this past year. I am probably going to restart it again out of frustrations for the main envelopes that are used and slowly work my way back to where I was before my first time. Your 'first timer' videos still make me feel better and you have such a calming voice, plus the meme videos that add are additional. ❤
This was the most real world/ practical explanation I've seen and you made it so easy to break down!
I love that you are taking control and making moves that work for you. Dave Ramsey talks a lot about “paralysis analysis” where people will just get stuck. They don’t know what to do - so they do nothing. I can appreciate your efforts in making things happen for yourself! Great job!
I’m glad to hear the video helped you! 💛💛💛
This was so appealing to the way I learn, first cash stuffing video that has made me feel able instead of overwhelmed, thank you so much!!!!
💃 this is me doing the 2 SisterBee Dance!!!!
I love it!! 💛🙌
I'm trying to get started. This helps,thank you.
Awesome! I love that you took the BIG step to begin!! Yayyy!! 🙌💛
Thank you so much for this! I watched this to learn how to manage my budget, and now I’m taking your wisdom to teach my mom and her friend about it too!
I just posted another video today that goes into depth on budgeting $. It is this one :
ruclips.net/video/orF4rRKnQ10/видео.htmlsi=LRALr_ezeoqHZQxm
That would probably help, too. 💛
I love that binder cover. I’m hoping to set my new binders up next week.
That's awesome! I just love changing it up. It's like a refresh every time.
I started this journey in this format/discipline September 1. All the things you mentioned in this video I have been through at some point in my (long) adult life and you gave such calming advice. And mainly. . . don't do the things that you know are going to end up causing you anxiety. Ya have to take a deep breath and just....stop.....and observe. . .and then start walking down the path. You provided such calming and good advice to us about how to navigate through the fog. . .and just take that first step. . . which becomes the 2nd step. . .I am ending wow month 4? Can that be? and. . .feel more. . .just. . .prepared. . .which lessons the anxiety a bit to face the always unexpected stupid little things? Great video and can't wait until Hello Honey (I look so forward to playing it).. .and to see what new might be coming in January?????
Hi Judith!! Always love seeing you check in with us- We are so happy that you enjoy the channel and the shop! 💛
Financial journeys are not easy but are so rewarding! And time does fly, doesn’t it?!
this is what i did as i started my budget journey, this is so informative for other who want to start Jen..
I have so much more stuff to tell you guysssss! 💛
I’m just starting out I have done a budget ouch but now I’m going to make a start I’m on a government pension and I’m determined to make my life better less stressed
Thank You Jen🥰Very informative🎄
Thank you for hanging out with me 😊
Loved this video , was very helpful in helping me start my saving journey.
Thaaaank you! ❤
Wonderful, helpful video. Great advice for beginners.
Thank you so much 💓
Awesome video, thank you for taking the time to break this down and for all the freebies 💖
Yesss- we have more awesome things coming up for you guys! We are always thinking, thinking, thinking…. 💛💛💛
@@2SisterBees 💖💖
Ok.. So I see I have some adjustments to make to my Budget/Envelopes before next month ..Thank you for this video so much just started this journey December 1st so yeayyy ...I have an early Jason...doesn't want to get on board but hey when I show him...He gonna be like 🤯..
Oh yay!! I am so glad you made the decision to start!
I bet once you show him how much you’ve saved - he will get on board! Jason sure did! 😂😂
Being new to budgeting and cash stuffing I’ve already been through 10 different channels trying to watch beginning videos and understand the jist of it. However, I knew I was in the right place the moment Joe Dirt was referenced in the beginning. LOL! Here for the references but stayed for the life changing info. ❤
Hahaa! That’s awesome!
Make sure you watch the video I posted the other day :
ruclips.net/video/0X1FrX2WoYE/видео.htmlsi=V2uld2nxg2pxqXpq
That’s a good one .
I have quite a few beginner ones.
This one is good, too. I go over a beginner budget packet that is in the description for you to print.
ruclips.net/video/dBRvWNfHLxw/видео.htmlsi=Hwl7snqdltXnPmRU
@@2SisterBees thank you!!! ❤️❤️❤️
Thank You for the info, can't wait for the next one
Thanks so much for watching 👀 ☺️
You explained this great because my mind was all over the place exactly like you said. I laughed when you said just do it even if your partner doesn’t want to lol. I just told my husband we needed to try this and he said we won’t follow it because we won’t be strong enough to stick to it lol. But I’m determined to give it a try. I love how you say just start with maybe 3 envelopes to not overwhelm yourself and you’re absolutely correct 👍🏼. Great video!!
I actually have a video on how to get on the same page with your partner :
ruclips.net/video/WPb_MDn1_lI/видео.htmlsi=JhqRC650z0mSGjcQ
Personally, I had to start without Jason and show him what we could be saving. It worked! 🙌💛
I just subscribed!!! Easy to follow. I can't wait to get started.
I’m so glad to hear that!! Yay!! Welcome! 💛🐝
Thanks 😊, I am in Australia so obviously different, but some great ideas and reminder of the envelope method.
Your cash stuffing folders looks good
While saving for an emergency fund, one should conceentrate on essentials when on a budget. I do my nails myself and no haircuts. Home made up do’s are nice and look fresh. Keep it in the envelopes and set priorities during this time..
You are exactly right! So important to keep focused. It can be challenging but not impossible! Thanks for the reminder! 💛🐝
Iv been watching your channel for a bit now and I have all the freebies so . I haven't started on any yet but I have been using the small white envelopes that fir perfectly in an old mead5star zippered pencils bag about the size of a long wallet. It works great because I am able to fit all the categories including sinking funds and chalenges into one instead of multiple binders. I started this January as I was not able to get everyone in my family a Christmas gift this past year.
Started my Christmas envelope and now I have 3 gifts already bought and working on saving the rest for when the other gifts on sale.
Iv been less stressed and I love it.
Thank you for all the help and information and for the time you have spent putting all the itemization into the printouts you have!!!
This is amazing!! Getting ahead and feeling good!! Yes!! 💛💛💛
Love it! Great advice ✨👍Thanks for the freebie❤️
Yes! Lots of freebee stuff in there for you guys!! And more to come!! 💛
Thank you. For the challenge .
You’re welcome! 💛
Excellent video! Very helpful thank you
Thanks so much!
Wow I am going to try this. My wife will be thrilled! 😄
Not sure if you mean that or if you’re joking 😂
Either way, you both will love the extra cash you suddenly have! 👏🙌
Great video. I love your wordle challenge. I even got my mom doing it.
That's awesome! It's such a fun game!
Hey I’m watching while I’m at work💚
I love it!! 💛💛
Wow! This info sure woke me up! I need to get on track. Great video! Thx&see ya😁
I am so glad the video motivated you! That’s what it’s all about!! 🐝🎉
Hi Jenn, thank you, thank you, thank you for putting out these videos. I am new to budgeting and I have been 3 months just trying to get my base budget. I am not ready for savings challenges...yet. This video is so very helpful. I am looking forward to up coming videos. Thanks again love your channel and your Etsy shop. April comes up with some great items. I have alaot of them. Have a great day and Thank you for helping us new-bees 🐝🐝 getting a budget started. 💜🌻🤗
Hi!! I am so happy when I hear that someone has put that effort in and is really trying to make things happen! What an accomplishment!
You will never fail in this process- only learn! Keep going! 💛💛💛
Thanks for breaking it all down for me!!
Hope it helped !
I have so many more ideas now after filming that - it brought up so many other things I wanted to tell you guys but I don’t want to overload one video.
So more to come!!! 💛
Great video and breakdown of budgeting. I’ve tried to do this but become overwhelmed because I add on too much. So I’m readjusting some things including saving challenges to see if I can conquer my goals in 2023! Cheers 🥂 to trying again and succeeding🎉
Yes! Absolutely! My video tomorrow is about readjusting, making changes and starting fresh! Let’s do this together! 💛💛💛
Great job at explaining. Thank you for all you do! 💜
Awesome! So glad you liked it! It’s hard to know sometimes if what you are saying is translating well- thanks for the confirmation! 💛💛💛
Thanks for the great explanation!! Loving your channel
Awesome! So glad you like it! 💛💛
I took your guidance, and loved this video! Thank you for putting this out there
That’s so awesome to hear! 💛 I love to know that I am helping someone- even if it is just a bit of info that helped them. ✨
I unexpectedly had to stop working back in march due to health problems in pregnancy, and I burned through all my savings. Now I’m about to start working again and so ready to have an income. Just really want to build up a nest egg and get back to a comfortable position financially again.
I wish you well in your return to the work force and more importantly - I hope you and your baby are healthy and thriving.
💛💛💛
Just started watching your video and the things you said I thought exactly! lol I said there’s no way because I don’t make much 😢but I will dive into this and learn from your tips! Thanks for making this video 🙏💕
I’m so glad! I have been through all of those thoughts myself- so, I get it. Totally.
We are capable of so much- you can do it! 💛
THANK YOU for this video!!!
Thank you so much for watching 👀 ☺️
This video really got me excited to start!
That’s so good!!
Rent/house payment being less then 25% was eye opening. Currently living in an apartment that will soon take half of my monthly income. 😭 I'm lucky enough to have a plan to leave next year. I wish everyone else luck who's stuck in a similar situation. ❤
That is the “baseline” however I will say that accurately it seems to be more like 40-50% which is insane and makes it to where no one can have anything else. 😭
thank you so much for this it is really making sense to me alot better now its awesome that you broke it down i cant wait to learn so much more thanks again so much bring on 2023 for savings challenges :)
Hi there!! Hope you are doing well!
I am so glad that this video helped a bit- I try to keep videos digestible so you guys don’t feel overwhelmed with info. 💛
We are going to be doing 2023 together- make sure you watch tomorrow’s video - we have updates for you guys! 🙌
❤❤ "Okay, that's cool!" at the 30 second mark is Jon Reep. Every Tuesday night at 8p EST, he does a love on FB and on his YT. Such an awesome crew he has, too. He lives just about 3 hours from me and had an adult prom a couple months that I went to. Super super fun! Nice people, the whole bunch of them.
Wow! That’s pretty cool and sounds like a lot of fun! 💛
@@2SisterBees it is most definitely one of the coolest things I've done recently!
I love the inserts❤
I’m definitely a new bee here, I’ve been planning and even budgeting for almost a year now, but I’ve never cash stuffed because I’m dealing with a lot due to an abusive marriage, and I keep having to break my budget to stay ok top of bills.
I started only stuffing my savings, kids savings, and emergency fund. So far I’ve only been able to not touch my kids savings. I know it’s not a lot, but I have $400 saved for them, I’ve sadly had to dip into everything else. 🥴
But I’ve cut my spending dramatically, I have on average 5 no spend days a week outside of groceries and gas now (I’m so proud of myself for that), but I’ve been tracking all spending I do, and starting the new year I’m going to start stuffing my sinking funds and recording them. Hopefully the community can help me stay accountable, and give me ideas and tips when I’m struggling to keep from touching my sinking funds except when necessary.
Your comment really touched my heart. I hear so much strength in your words and in what you are doing.
Please don’t be afraid to reach out for help if someone is harming you in any way. Don’t stay in a situation that could potentially be dangerous for you and/or your children. I can tell from your comment that you are very intelligent and I want to remind you of that. You are smart. You are strong. You are worth everything to your family and your kids.
Don’t be afraid to ask for help. There are so many willing to lend a hand. 💛💛💛
@@2SisterBees thank you for your kind and supportive words, I didn’t realize how much I needed that. 🙏🏽
I’ve definitely gotten away, just barely, he almost took the lives of my kids and I when he found out I was leaving, but we got out safely and have been away for a year now, the issues come from trying to get a divorce and him fighting me on it. I’m very determined to give my kids everything he stripped from us, and everything else they deserve in life. Thanks to channels like yours, I finally feel like I’m on the right path to doing that. ☺️🙌🏽
This is me right now sad😢 Thank you for this video
Why are you sad? 🤔
Thank you makes sense
Thank you. I hope it helps some people get motivated 😊
Great info 👌🏽
Thanks for watching 💛
Great job ladies!
Thank you! Glad you liked it! 🙌
Great video 🤗❤️ thank you so much for the motivation 🫂
Thank you! It makes my day knowing a little pep talk can help. ☺️
Love your video thank u
Ladies. We truly need to do this alone. Our parters (well some) don’t need to know for political reasons. 🙁😳😂
😆
Most of my transactions are for Walmart because it’s the only store in my town. I think if I would print out my statements I would have a hard time knowing what I purchased. I plan on starting to save receipts and keep track that way starting in the new year.
I don't know about Walmart because I don't shop there very often. But a lot of grocery stores divide things up on the receipt for you (like food vs. household items). If Walmart doesn't divide them up, you could use different colored highlighters to help track how much you're spending in each category.
I had SAME problem! I totally get it!
I now use a calendar with larger boxes ( enough room to write a days worth of spending) and I will put next to Wal Mart - groceries and then whatever other big items I may buy. It keeps my tracking more accountable. I have same problem with Sam’s. 💛😆
I don’t have my receipts after I scan on fetch I throw them away. Another thing I need to start keeping them so I am able to keep track. Goals for 2023 🤞
Great video, Jenn!
Glad you liked it!! 💛
This is what helped me.
I’m so glad! I’m working on an update of this video- little more info. Keep an eye out! 💛
Good old basics!
You can't go wrong with the simple basics ☺️
Hello Jen how are you today? I hope you and your sister are well and your family. I just started my 1st word And For the 1 it took me 3 tries and for the second 1 it took me 5 tries. My question is How do you count up the25 cent. 1And how do you come up with the $1 1. Do you count up if you miss the word the amount? Do you count up if you spell it correctly. Or do you count it up if you didn't get it at all? Thank you for your time have a good day
Hi there!
So the one that was 3 tries is : 25 cents x 3 = 75 cents
And the one that took 5 tries is 25 cents x 5 = $1.25
So it’s a quarter each try that you get the word wrong.
If you use up all 6 tries - the max amount would be $1.50.
I hope that helps!
Thanks for being a part of The Hive ! 💛💛💛
Ty
Housing should never exceed more than 25% to 30% of your income but what if you live in like a city like New York City? Here that's virtually impossible. The one thing I am grateful for however it is that I have no credit card debt never had a credit card and public transportation exists here so I don't really need a car. This did inspire me to look for a higher paying job though
Such a great video.
Thank you!! Glad you like it!! 💛💛💛
Really insightful thank you 😊
Awesome! Hope it helped! 🙌💛
This is my first video of yours that I am watching. My name is also Jenny and my husband’s name is Jason!
There is a baby naming book from the 80s called “Beyond Jennifer & Jason” 😂😂😂
Oh my gosh, it is funny. You mentioned that because I bought that book purely because of the title about 22 years ago.
So if you take out in cash the money your left with for the week do you keep your bank at zero? Might be a dumb question but I’m new to budgeting and trying to figure it out. Thanks(:
Hello, I am a college student currently and I live with my mom, but I do want to live on my own eventually. I work part time but I over spend so much more than what I have. I even take money out of my saving to buy thing I sometimes need and don’t. I’m terrible at saving and although I don’t live on my own I have a few bills I pay by myself that I can barley pay for that, school debt, phone, and a few other things. Do you think that this is good for me?
I am curious to how I can print the freebies for the a6 size? All my printouts printed as a4 (8x11 normal size)
The only other size that the freebees can be changed to without warping the graphics is 5x7 and that fits in my a5 binder nicely!
Great advice 💗
Yay!! Glad you liked it! 💛💛
Most of my big spending is taken in the from of electronic payments. I am still a bit confused in how I would save the money physically if I have to pay it electronically. A bank account lets you set up multiple savings accounts goals so I am thinking about calculating how much I should every week for each of my bills and putting it into my different saving goals account, but in real cash I’ll have the emergency fund and savings set up.
I love all the old sitcomb video clips. 😂 Also, regarding how to use the money you're saving from not spending on Amazon, I'm using that money to pay off my Amazon credit card. 🙂
I’m glad you like the clips- I’ve gotten a lot of negative comments lately on those. 😂
Just trying to have some fun with the videos back then.
Thanks for your positive words. 💛
@@2SisterBees You’ve gotten negative comments? People are ridiculous!
Hahaha! It’s ok. Just on the clips being overused.
I can’t say I disagree- I was really having fun with it! 😂😂😂
Thank you for all of the very informative information. I struggle with my bank. One hour long wait at the drive through. I don’t want to do this with just twenties from the atm. I don’t know what to do. Please help!
You could do your budget. Write it all out and give every dollar it’s job.
THEN- have your categories and your envelopes ready to go.
Just keep your cash in the bank and use prop money instead. That way you can still limit your spending, keep track, meet goals but your just using prop money instead.
I think prop is a great option for those that can’t get to the bank every pay period.
It’s still a visual view of your money and where it’s going.
April has super cute prop money linked here :
www.etsy.com/shop/2sisterbees
Check the Prop Money section.
I hope this helps! 💛
@@2SisterBees yes that sounds great! Thank you so much!❤️
Thank you ❤
I’m glad you liked it ! 💛
Still catching up, great video 🎁
Thanks for always being such an awesome supporter!! 💛
Hi, newbie with 1000 ?'s...I got stuck on a category and figures I'd go to the source for an answer: Does cash envelopes have sub-categories? For instance: Allowance or clothing: I have a family of 5 and I know I need to set aside money for future clothing--especially back to school and sometimes I like to throw them a few bucks so they can do whatever the hell they want with it(aka allowance).... should I make subcategories for those instances?
So my sister made this video that may be able to help you decide on categories :
ruclips.net/video/SfNi6tYIljw/видео.html
What about someone with a inconsistent low income
Hello I have a question how do you work paying off credit card debt into your budget? Is it considered a bill? Or a sinking fund and do you consider the minimum payments for each card as a bill to be put with things like rent, power ect?
I am not a financial advisor but I have definitely paid off a lot of credit cards- so, I would suggest that you keep your minimum payment with your other bills so you are just always sending that in.
In the meantime, to pay off extra principal and get it paid down- I had a separate envelope and I would save whatever I could for 4 weeks and send that in one lump sum towards the balance.
Some of our subscribers were suggesting to send it in biweekly to minimize that compounding interest faster - which is great advice.
So you could send your extra payments in every week, every 2 weeks or once a month…. Whatever you want to do.
There really is no wrong way to pay off a credit card.
Work extra hours, sell your unused stuff, start a side job… and start sending that money in! Every little bit counts and you will be so shocked to see how fast it dwindles down and with all of your efforts, it WILL!!
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@@2SisterBees thank you for the response I will try it that way
Great information! The link for the free printables isn't working :(
Thank you for telling us!
We fixed it and here is good link!
drive.google.com/drive/mobile/folders/1VRf2dzNHV84v-oLIbufEnM3LlNcDpXcr
Great video just the little side funny video was a little tad too much. But love all the great detail information you’ve shared. Thank you for creating this video!
I have to agree- 😂
I made this video a year ago, I’ve toned it down significantly on the edits 😅
Glad you liked the info- I keep saying I’m going to remake some of the super informative videos but I haven’t had time.
Maybe soon….
I wanted to start cause anytime I have money all I spend it on it clothes and food I'm not in debt just wanna control my spending
I hope you do start! It’s truly changed my life. I look at money in a completely different way now (and so does my husband ).
Hope you’ll stick with us and keep watching videos on how to save! 💛🐝✨
This is a wonderful idea to manage your spending however sometimes all I have to look forward to is a coffee or a dress. Theres not much fun I get to afford so doing those simple fun spendings feels satisfying even if it does go against my budget. If I just save for the bills then what fun is there left? 😢 I guess this is what i get for not going to college 😭😭😭
I understand what you are saying here in your comment however I think the correlation of spending equals fun is the real issue, not your education level.
If you could think to things that bring you joy that do not require money, that is where you may find that feeling of contentment to look forward to. Visiting with a friend, a good book and a comfy blanket, a walk in the park,-shifting focus and changing behaviors is key. Letting go of the idea that something “new” brings us happiness.
So, what do you do if you are living in a car and can't live below your means?
I know this is happening all over. I see it everyday where I live. Homelessness is rampant in Sacramento area.
I certainly don’t have the answer to fix this issue but I hope anyone in this situation will reach out for help and find ways to get back on their feet.
That’s a tough road to come back from but not impossible. Nothing is impossible. 💛
In the meantime, I hope anyone reading this who is able to give food or any other assistance to those in need- continues to do so.💛
@@2SisterBees You are so thoughtful. I just realized I made it sound as if I was the one in the car :) Oops, I am sorry. It does feel that way sometimes! LOL. It is hard to see the end of the road when you can barely see over the steering wheel! :)
Off topic but who do you have for car insurance? 😂 because I pay 238 a month for car insurance for full coverage through national general 😭 I would love to save $188 a month !
These are not anyone’s actual numbers that I used on this mock budget. The idea was to show the process on how to make a budget. No matter what someone’s income or expenses are- the process is the same. Income - expenses = budget.
I hope that helps. 💛🐝
I live month to month. How can I do this I only make X amount once a month to live on?
Hi there! So glad you found our channel! My sister, April, is a monthly budgeter. She also gets one check per month.
Here is a link to one of her monthly budget videos- I hope this helps!
ruclips.net/video/5azZzEM3g0Y/видео.html
New subbie here hey girl hey 👋🏽
Hey!! So glad you found the channel!! Yay!!! 🍾
Welcome to The Hive! 💛🐝
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That would be me 🙂
I hope the video helped and you got some ideas! 💛✨
Happy New Year to you! 🎉
Helped me out a lot thank you and Happy New years to you
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Hi,Jen. How r u? I'm disabled and can not so to make extra money. What can I do? My disability doesn't allow my to be on the computer to do so so what do I do?
Keep watching Cash Stuffing videos- I’ll be giving a challenge each week to help you save! 💛
Ok, ty I'll be there sat.
Just wanted to let you know that I clicked on your free printables link and a message of "the requested URL" couldn't be found. I am interested in getting some of your printables.
drive.google.com/drive/mobile/folders/1VRf2dzNHV84v-oLIbufEnM3LlNcDpXcr
We just fixed it- try this link !
Thanks for letting us know 💛💛
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I;ve cut my Amazon spending down significantly and only buy items that I actually need instead of what I want.
That’s so good! It’s a good feeling to be able to catch yourself and just change it up.💛🐝