I also did my debt free journey without moving from an expensive apartment, paying pilates and getting manicures. I did different adjustments, gave me the benefit of doubt and with time I finished paying. My strategy was to increase income without increasing expenses. You got this. Just do not add new expenses or debt.
another right handed cash stuffer. It’s funny but I am too and out of all the cash budgeters I watch it’s rare to see someone who counts right to left. Enjoy your channel. I like how you are doing things that work for you and not following what other people are doing, I like the change. It motivates me to want to change how I do things
I see what you're saying about putting the money in the eating out envelope. It can go one of two ways: 1. You see the money in the envelope and it gives you permission to spend it. Or 2. You don't fill the envelope and end up breaking another category in order to eat out because you deprived yourself or life got in the way of meal prep. I trust you know yourself to understand how much you're likely to eat out as a single person.
I think a debt-free journey is different for everyone, to the point that it needs to be tailor-made to you. If eating out or manicures are worth putting money towards because it motivates you to keep going, or you know yourself well enough to know you like convenience of fast food over grocery shopping and cooking, then you have a better chance at being successful than if you lie to yourself or cut yourself off from everything that makes you happy.
I have masterminded my way out of all it! I now only take the allocated cash I have to spend so if I go over, I have literally no where else to pull from and I have to put something back.
Love this thank you for your transparency! Inspiring me to keep going to kill my debt too. Please don’t forget to pay taxes on your Uber eats income too! That will sneak up on you ❤❤😊
I know! :( but I'm excited to finally get out of this debt. I've lived this way long enough to know I don't want to do this anymore. Now it's time to get myself out of it, and see what it would be like to actually enjoy my money. Thank you!
It's an old envelop I carried over. I now keep that money in my gas envelop because I don't get car washes every two weeks. While that's the goal, it's expensive and a good $1 vacuum and a wipe down usually does the trick for me
Start one!! It takes some tough skin because 1) it's the internet where almost anything goes and 2) reading the tone online is hard, but 3) there are sooo many positive and support people. You should do it. I bought a tripod from amazon a few years back and it latches onto my desk. I record on my iPhone and edit in iMovie. Everything I've used since restarting has not cost me anything. There are plenty of people to get motivated by. You can do this! Good luck!
Yes I do. Anything that is absolutely essential, I have directly deducted. I'm naturally an impulsive person so I want to make sure I don't even see that money hit my account. That money goes to a completely separate account as soon as I get paid
Hi there! Not at this moment, it would take me too long to plan around that. I tried doing that before and I would let me self "borrow" from the next week's money as justification to keep spending. Maybe I'll reconsider once my habits start changing.
I also did my debt free journey without moving from an expensive apartment, paying pilates and getting manicures. I did different adjustments, gave me the benefit of doubt and with time I finished paying. My strategy was to increase income without increasing expenses. You got this. Just do not add new expenses or debt.
Thank you!!!
I love that you are starting where you are and being honest about it. You are creating sustainability.
Thank you!!
another right handed cash stuffer. It’s funny but I am too and out of all the cash budgeters I watch it’s rare to see someone who counts right to left. Enjoy your channel. I like how you are doing things that work for you and not following what other people are doing, I like the change. It motivates me to want to change how I do things
I see what you're saying about putting the money in the eating out envelope. It can go one of two ways: 1. You see the money in the envelope and it gives you permission to spend it. Or 2. You don't fill the envelope and end up breaking another category in order to eat out because you deprived yourself or life got in the way of meal prep. I trust you know yourself to understand how much you're likely to eat out as a single person.
I think a debt-free journey is different for everyone, to the point that it needs to be tailor-made to you. If eating out or manicures are worth putting money towards because it motivates you to keep going, or you know yourself well enough to know you like convenience of fast food over grocery shopping and cooking, then you have a better chance at being successful than if you lie to yourself or cut yourself off from everything that makes you happy.
Exactly! Overtime, my habits will adjust with my growth. Thank you!
Hello…I just started my journey…so exciting to see progress no matter how small.
Thank you! Best of luck to you on your journey!
Great start to your journey. You’ll get to the finish line by 33 for sure. Just keep going.
Thank you!! Some of the comments are tough, but then I have these gems hiding and helping me get back up! Thank you sooo much!
You’re doing fine just keep going
Great video 😊 I put my carwash $$$ in my gas envelope.
I don't even make it to the carwash as often as I should, but this is a great idea! Thank you!
Always ask yourself before you spend your money if its a want or a need!!!!!
I have masterminded my way out of all it! I now only take the allocated cash I have to spend so if I go over, I have literally no where else to pull from and I have to put something back.
Love this thank you for your transparency! Inspiring me to keep going to kill my debt too. Please don’t forget to pay taxes on your Uber eats income too! That will sneak up on you ❤❤😊
Your notebook is so cute, and I also love your see-through money envelopes! Have you thought about selling a version online to others?
I found you when you posted the first vid in this series. Your journey is going to be daunting, but you can do it.
I know! :( but I'm excited to finally get out of this debt. I've lived this way long enough to know I don't want to do this anymore. Now it's time to get myself out of it, and see what it would be like to actually enjoy my money. Thank you!
16:03 great cash stuffing video 💞🌸
👋🏾 New subscriber. Looking forward to watching your journey.
Thank you for coming along!
I really love the envelopes and font you're using! Do you mind sharing where you got them?
I made the envelopes and the font is the called Autumn Harvest (I got it from Etsy in a package font deal a few years ago)
New subscriber here. I'm enjoying your videos.
Thank you!! This is what I look forward to!
Off to a great start
How often do you do car washes? Does it really need its own envelope?
It's an old envelop I carried over. I now keep that money in my gas envelop because I don't get car washes every two weeks. While that's the goal, it's expensive and a good $1 vacuum and a wipe down usually does the trick for me
Great video ❤ New subbie here 🤗
Yay! Thank you! Excited to have you along!
Near my house is a car wash where I pay $39/month for unlimited washes. Do you have someplace like that near you?
How do you have your phone or camera setup in the back. Thinking about starting a channel.
Start one!! It takes some tough skin because 1) it's the internet where almost anything goes and 2) reading the tone online is hard, but 3) there are sooo many positive and support people. You should do it. I bought a tripod from amazon a few years back and it latches onto my desk. I record on my iPhone and edit in iMovie. Everything I've used since restarting has not cost me anything. There are plenty of people to get motivated by. You can do this! Good luck!
I was just curious about Rent , utilities, and general bills? Do you leave those in the bank?
Yes I do. Anything that is absolutely essential, I have directly deducted. I'm naturally an impulsive person so I want to make sure I don't even see that money hit my account. That money goes to a completely separate account as soon as I get paid
So you aren’t filling all of your envelopes every week?
Hi there! Not at this moment, it would take me too long to plan around that.
I tried doing that before and I would let me self "borrow" from the next week's money as justification to keep spending. Maybe I'll reconsider once my habits start changing.
I did not see in this video or the last one what debt you are snowballing. Did I miss something?
Hey there! I did a super quick intro to what I mean by snowballing. It's in the video where I address how long this plan is going to actually take me
What’s your occupation?
Management would be the easiest way to put it
Thank you for sharing . 🇬🇧💛🤍
Thanks for watching!