HOW TO GET A MONTH AHEAD ON YOUR BILLS| BUDGET ON LOW INCOME| OHSHEBUDGETS
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- Опубликовано: 7 сен 2024
- HOW TO GET A MONTH AHEAD ON YOUR BILLS| BUDGET ON LOW INCOME| OHSHEBUDGETS
Hey friends!
Thanks for stopping by. In this video I am showing you how to get a month ahead on your bills and how to budget on low income.
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#cashenvelopestuffing #lowincome #budgetwithme
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Email: shadaviakemp@gmail.com
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Buy my savings challenge book: Savings Challenge Book for Low Income Budgets| Undated a.co/d/cykjf4T
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DISCLAIMER: I am not a financial advisor or expert. I am sharing my personal experience in hopes to helping others in their financial journey
Hey friends! Thanks so much for tuning in to today’s upload. How much would you need to save to be one month ahead in bills? Let me know in the comments. 💜✨
Yes sis👏
❤thank you, I need to try this.
@@sharonthomas7530 you’re welcome! It has come in handy! I’m so glad I decided to do it myself 💜
Love this! I just started a month ahead binder. I decided to start with my smallest bill and once I have that one funded I move on to the next one. I didn’t give myself a timeline since I have other sinking funds and challenges. But one by one I will fund them and be one month ahead 😊
Yes absolutely! It’s hard to focus on everything at once. Setting realistic goals and expectations has helped thus far. I plan on continuing to do the same. Little by little we’ll be there in no time. 💜✨
i have one month of expenses in my emergency fund, this is a terrific idea to get it built up to 3 to 6 months, i am also retired but i work a job since i retired. That is why i did only initially fund one month. This is a great idea!
I love your idea of focusing on each envelope first. I've budgeted our car tags 6 months in advance and I felt like I wasn't get anywhere until it came to it being due and the money was there. It's hard to stay focused on a large amount and save little by little until it finally comes. I think that's why I started enjoying those savings charts so I can see on a chart my progress and feel motivated. Thanks for sharing!! Can't wait to see your progress on this!! We were able to save a month's worth only from large bulks of income like tax refunds or previous stimulus checks!
Marking your progress helps a lot! We truly get to see how much a little really does go a long way. Like you said it didn’t seem like much at first, but having that large lump of money when you need it is truly a blessing. Sometimes it’s just a matter of sitting $10 or $20 aside for a little while. I’m going to create myself a tracker to mark my progress on this. Thanks so much for watching ❤️✨
This is exactly what I did. I started with the smallest amount and kept checking them off. Once I got to the larger amounts I broke those down into smaller ones so it wouldn’t seem like a huge mountain.
Yes that’s likely what I’ll do so that the goals are more attainable and less scary. I’m almost finished with my smallest envelope so that’s exciting! Thanks so much for watching this video 💕
@@ohshebudgets woot woot! 🙌🏾 congrats on the progress!
"Life be lifein'...." gonna quote you on this :)
Please do because we all know it’s true 😂🤭
@@ohshebudgets most certainly!
I am with you in getting a month ahead. My game plan is to use my extra pay check in December to get a little ahead and then the extra pay check in June to be one full month ahead. Good willing.
Claim it✨ It’s my 3 paycheck month as well. I need to figure out how I’m going to work out my budgets this month. 🤔
❤in addition to saving for one month ahead please make sure you have some cash on hand always. This gives you some cash to operate in case there are things you need and you may not be able to get to the bank or find an ATM close by.
This is a good tip. I keep a certain amount as well in case of emergencies. You never know when you’re going to only be able to use cash. ☺️
Very difficult to save on low income I agree….a little bit is better nothing !
Yes I have to keep reminding myself this. Those small amounts add up really fast. ✨
Yes, I agree figuring out the key bills/expenses for your month ahead fund and working on an overall budget and breakdown per month or each expense at a time. Enjoyed the video
The smaller amounts will be a lot easier but once I start working towards the larger bills I’ll have a more precise game plan. Thanks for watching!
I’m not fully a month ahead but I stopped the credit card float and a lot of bills are a month ahead. Thanks to YNAB. 😮💨
Nice! I’m ahead on some, not all. I really wanted to start this so I can really build up my 3-6 months living expenses and start investing more. Thanks for watching ❤️✨
New Subbie. 2022 has been the first year where I do not feel like I am living paycheck to paycheck but I still need to get my month ahead together so that I am in a better position for success. I just printed a month ahead challenge to make it more fun. I need a $1000 in month a head to cover bills and maintenance for the house. Wishing you much success.
Hi Dawanda! Thanks for joining me. Savings trackers always make it more fun! It’s so refreshing to hear you’ve broken the cycle many of us struggle with. You’ll save that $1000 in no time. I can’t wait for you to update me once you’ve reached your goal. Wishing you a successful journey as well 💜✨
I'm currently working on month 2
That’s amazing! Great job ❤️✨
I just finished paying all of April's bill this morning 😊 now I'm working on may! I think I'm a month ahead hahaha! It was tough!
You absolutely are! Great job!❤️❤️❤️
Love how you are doing this! It’s such a good time. I have a buffer instead that I use. I’ve thought about 3-6 month emergency fund but we have so much we need to save for that I don’t think I will be able to do that for another couple of years. Great video ❤
Same here. I have a small buffer I keep in my account, but once it gets below a certain amount I’m like I need to save more 😂😂 3 months EF for me is 8400 and 6 would be double that. Not saying it’s not doable, but it sure will take some time. In due time though.. ❤️ thanks for watching this upload!
Alright Now ❤❤❤❤ I can’t wait until then
Yes ma’am! Let’s do this 💜✨
New subscriber here!
Gonna start budgeting soon. Thank you. 😊
Sigh....a bit frustrating that my monthly rent for a small studio is more expensive than your mortgage. I'd rather put it towards a mortgage than someone else. Hopefully I get there soon.
Thank you for subscribing! Keep making baby steps and you’ll be there before you know it. 💜✨
New sub! Came from your ig.
My next goal is to be a month ahead of my bills as well.
Low income also so totally relate to your video.
Thanks for joining me! Make sure to visit again soon ❤️✨
Hi Sam, Nice job getting ahead.
Hey girl hey ❤️ this worked so well for our family I know you will tackle this so great 💕
You’re the first person to introduce this to me, so thank you for the inspiration❤️✨
I forgot how pretty those envelopes are😍
Yes they’re so beautiful! I’m glad I’m finally going to get the chance to use them😍❤️
That's a great idea to do this. I'm starding my month ahead this week and think i'm going to follow your advice on this one
I’m glad I could help!Have you set a goal completion date?
@@ohshebudgets no not realy.. where hosting a oekranïan family, so saving up is not going as quick as we want. But some things are more importend in life, giving someone a save place to stay is one of them
@@wilmavpijkeren-raayen4482 that’s amazing! I learned something new today and will do some research further. ❤️
Can't wait for you to get started ☺️
I’ve started and have saved enough for beauty and miscellaneous. I’m currently working on my gas envelope ☺️
Good morning,
I’m working on my budget . Thanks 😊
That’s awesome! How’s it going?
@@ohshebudgets thanks it’s going slowly but I have prepared my budget so that is a plus. It’s going to be a work in process but one day I hope to be there !
Thanks for asking appreciate it
Chris
LOVE THIS IDEA, Sis! 💕💕💕
You know I’m always trying to be prepared. 🥰❤️
Great idea
Thanks! You can never be too prepared ❤️✨
This is an awesome idea !
Thanks sis! I have a feeling it’s going to come in handy 💕💕
@@ohshebudgets yes I have a binder ready to get a month ahead now I just need to put some money in it
@@queenshmoney In due time boo 💜✨
This confuses me. So are you funding half the month moving forward? I’m trying to figure out how much you’re stuffing after you’ve reached the month ahead goal.
I pay my bills as I normally would.
With some of my paycheck and extra income I put a small amount aside to help me reach these goal amounts. If you check out any of my budget with me videos or RUclips paycheck videos you’ll get a better idea how I am putting a little aside each time, which eventually adds up.
So far I’ve completed the beauty, miscellaneous, and recently gas. I am working on the eating out envelope now.
My goal is to have 1 month of expenses by the end of 2023 saved. Once I reach that I’ll move towards other financial goals.
I hope that makes a little more sense.
Great idea!
Thank you! It’s for sure going to come in handy 🥰❤️
Thank you
You’re welcome! I hope you found this video helpful ❤️
@@ohshebudgets yes 👍
Hello from Ireland ☘️☘️☘️
Hi friend! Thanks so much for joining me! I hope you enjoyed watching this video ☺️💕
For me to reach one month ahead, I would need about $3000 😅
I have no doubt that you can too! Do it for that extra sense of security 😊❤️