Okay, I have never had anyone explain that the money you cut back on in groceries can maybe be used for debt, investing, or savings... that's freaking genius and I love that!!
20% of $700 is 140 so $560 for example at 2:03 love the concepts. For people that are struggling don't be afraid to use your local food bank for help. That will help cut down on your food budget if you are in huge debt you're worse off than someone just out of a job with surplus savings, or someone new to the country with gov assistance help. So use your local resources until you are out of debt. Shop at goodwill etc if you need to cut back clothing for a while. Main thing is get out of debt. Give back to community services once you are able and you will be in near future : ) Good luck all.
I totally agree - these resources are here to help people - including ourselves. Lord knows we pay enough in taxes to support the programs so use them!
@@chadlenz7258 I thought the same thing! I did that math in my head and knew the answer before she gave the wrong one. Not that it makes me special or anything because we should ALL be able to do basic math like that in our head, but it made me question if I should be watching this video. However, she clearly knows what she's talking about in order to have the success that she has had - personally and professionally. I can overlook a mistake...but, getting it wrong with a calculator? LOL
@@siva418 To profit off other people who are in need of budgeting help feels like the worst kind of ick to me. She only had the success she had praying off other people to buy something, that they could have created at home with regular envelopes. That they got because they are struggling to budget their money and get ahead. The difference is none of them are selling "kits" for hundreds of dollars to pay off their debt quickly.
Sweetie, I am 72 years old, widowed and I have retired 5 times (my last day to work is 4/29/23.) I have been looking for a way to control my own income and bills ……THANK YOU! Thank you! God bless! I am a believer for sure! ❤❤❤
Life definitely happens, I left my job in late June and have had some health issues since then on top of that. I am glad I was proactive and had a 3 to 6 months worth of money saved for bills. Now when things are settled again I will restart as tough as that is. Great video! Long time viewer and subscriber and enjoy your videos
I’ve been binge watching your tiktok vidoes and now your RUclips 🥰 I’m in the red but I put all my monthly bills dates on my calendar and that seems to be helping a lot to look ahead and making sure I have the money in my account
Thank you for this video! I began accumulating CC debt when the pandemic started. I lost my job and got sick, but with all that was happening, I leaned in to the CC’s and let the worldly events take a hold of my life. Now, as a young adult with multiple debts, I no longer want to be trapped in this cycle and want to break loose of the money owning chains. I’m very glad I found your pin on Pinterest, and the content you create for many. God bless you, and May your company continue to flourish! 🙏🏼❤️
This makes budgeting look so fun! Thankyou for this. Im watching from England in the United Kingdom. I have BDP and I impulse buy. Thank you so much for this!
I love that your going back and breaking this down I'm only three maybe 4 months in and I've had a back slide like we did great the first two months now some reason it's like we are struggling again
I really enjoy your videos. You have an upbeat personality that makes all this money stuff seem fun. Maybe for the new year, I’ll get my act together and start doing this for real. Thanks for sharing your knowledge and ideas!
I already started this past paycheck with a very basic start, we had the bills part figured out and just sort of tried to alot some money to get a structure to begin transitioning. The 20% reduction is going to be so helpful for this weeks upcoming paychecks!
You added so much great content this week! Thank you for this beginner video. I work with low-income women at a nonprofit in GR, and I always recommend your videos to the fabulous ladies I serve who are wanting to learn financial literacy.
I recently got a big lawsuit and have been shopping for stuff I always wanted but not expensive stuff. We spend 800 on groceries a month and am soon to get a gastric sleeve surgery so I won't be eating as much as I used to so I can cut my grocery bill down to at least 300 monthly for my husband. I want to invest money too so it will grow but I don't know where to start. I'm only in debt for 7k on my new car and I did that to build credit . I don't have any other debt. I have a nice emergency fund put away as well and wanted to get some CDs but the rates aren't great. I need to follow you to view all your advice. I don't wanna go broke . 😭
Girl I feel like I'm in school taking notes lol but I need to have all this information for next month. Well I already started a little now but it's really happening on the 1st
@@Baddiesandbudgets Well most of us running low on time and money, you figured out the money part, and very well you did! I was wondering if you can also figure of the 'time' budgeting....half jokingly :)
I know that you are probably joking, kind of, about saving time but, wouldn't it be wonderful to save time to use later? 😅 I guess the place to start is tracking it, like she explained about money. Keep track for a few days of where you are spending your time and reduce by 20%. It sounds like it should work. 😊
@@pnwlaf Right 👍 to bring awareness to how much time I spend on this or that... After all we always want more time and money or not enough time and money. Also stop using excuses I don't have enough time and money from wanting or not wanting something to do.
Great video, I'm new a subscriber about a month. Celissa from beautifullymeandyou posted a video of yours. I'm definitely will be tuning in. Love the hair.
Cash can really help with tracking and preventing overspending. It's physical and you have to handle it. Digital you swipe a card and that's it which for some can be done absetmindly resulting in overspending before the notice what's going on.
I'd love to work with you to help me to set up a plan like this. Just paid off my credit card debt and NEVER want to be under the thumb of debt again!!!
Seriously considering it. Need clarification about the money. You're taking out the total amount of the bills in cash, put it in the envelopes and on a certain date you put the money in the bank. Is that it? Are you taking out your entire check?
Hi hunny... my question is how do you get to the ability to BE a month ahead? I'm bi -weekly and this is my only income at this point. I had to relocate, so have to rebuild my clientele. Any advice for a paycheck to paycheck??? #INSPIREDWOMENINSPIREWOMEN✊🏽📿☮️💜
All I'm going to say is that inflation is not high enough when people still spend that much on a freaking binders🤯. And than they wonder why they are in debt.😂
This works for people who have the income.. however, what about those of us whose original budget is so low income that we have 40 a week to feed SIX people? That's less than 200 a month for someone like me. I have nothing else to cut. I don't have any subscriptions. My only debts right now are the 200 left on a hospital bill, 530 left on my burial policy, and about 1500 on my new washer/dryer. I am damn near destitute after bills, rent, a few bucks on groceries, toiletries, gas, and lunch money to carry sack lunches so that I don't eat out while on the road for work (in-home healthcare). My job doesn't pay for mileage and does not give gas allowances. And don't say get another job because I'm already looking and can't find one and I'm already paying anywhere between 120 to 160 in gas. I can't afford MORE driving. Don't say get a job in town either b/c I've already looked and there's nothing. I've applied to half a million places and can't find anything in town. Not to mention that my town is a tiny hole-in-the-wall place in rural Arkansas where the next big towns are almost 30 miles away and our major cities are an hour to two hours away. No, I can't afford to move either b/c if I had that money I'd not be here telling you... I'm struggling and can't make it and can't afford groceries. I don't know what I'm going to do, to be honest. I don't give myself "beauty" allowances or "self-care" allowances or "family fun" allowances. I don't get my hair and nails done. I can't remember the last time I bought myself everyday clothing. I wear the same set of scrubs for anything I do outside of the house whether I'm working in them or just going to the store. I don't do girls night, date night, or anniversary. I don't have extra places to just "cut money"... so now what?
I've noticed a lot of these people are like "low income cash stuffing" and they have like 600 dollars left after a paycheck, lol. That's another thing that drives me crazy. Where are my "I've got maybe 15 or 20 dollars" MAX left IF anything" folks at? lmbo... Edited to add my husband saying, "show me the folks who only had 78 cents left for a small apple tart for lunch today at work." :P That's all he had left on his card. He now has ZERO dollars. Guess what he gets for lunch every day now.... NOTHING. Where are few dollars or few cents people at? Someone out there has to be like us. I know we can't be the only ones.
20% of 700 is $140 How embarrassing !!!! Come on you've got to be kidding and you turned this into $800Ka year business. How in earth . . . . Gotta be a lot of really clueless people out there. There is NO WAY IN HELL
😂 Pre-Order Plastic Surgery Savings Book MYSTERY BOX! Yeah, $175.00 USD I’m about to add my credit card on your website and pay over price stuff your selling 😂
Hey Baddies!
This video should answer a ton of those beginner questions.
Getting started can be a bit of work but its so worth it.
Thank you for this video!! I’m going to watch this again to truly follow the way you do it.
Jasmine Taylor needs to lose weight 🤮
Okay, I have never had anyone explain that the money you cut back on in groceries can maybe be used for debt, investing, or savings... that's freaking genius and I love that!!
20% of $700 is 140 so $560 for example at 2:03 love the concepts. For people that are struggling don't be afraid to use your local food bank for help. That will help cut down on your food budget if you are in huge debt you're worse off than someone just out of a job with surplus savings, or someone new to the country with gov assistance help. So use your local resources until you are out of debt. Shop at goodwill etc if you need to cut back clothing for a while. Main thing is get out of debt. Give back to community services once you are able and you will be in near future : ) Good luck all.
I totally agree - these resources are here to help people - including ourselves. Lord knows we pay enough in taxes to support the programs so use them!
You’re right
How can anyone take budgeting advice from someone who can't even get 20% of 700, using a calculator no-less.
@@chadlenz7258 I thought the same thing! I did that math in my head and knew the answer before she gave the wrong one. Not that it makes me special or anything because we should ALL be able to do basic math like that in our head, but it made me question if I should be watching this video. However, she clearly knows what she's talking about in order to have the success that she has had - personally and professionally. I can overlook a mistake...but, getting it wrong with a calculator? LOL
@@siva418 To profit off other people who are in need of budgeting help feels like the worst kind of ick to me. She only had the success she had praying off other people to buy something, that they could have created at home with regular envelopes. That they got because they are struggling to budget their money and get ahead. The difference is none of them are selling "kits" for hundreds of dollars to pay off their debt quickly.
Sweetie, I am 72 years old, widowed and I have retired 5 times (my last day to work is 4/29/23.) I have been looking for a way to control my own income and bills ……THANK YOU! Thank you! God bless! I am a believer for sure! ❤❤❤
Life definitely happens, I left my job in late June and have had some health issues since then on top of that. I am glad I was proactive and had a 3 to 6 months worth of money saved for bills. Now when things are settled again I will restart as tough as that is. Great video! Long time viewer and subscriber and enjoy your videos
Bc life be lifin 😂 realest quote ever girl!
Yup 😂😂😂😢
I’ve been binge watching your tiktok vidoes and now your RUclips 🥰 I’m in the red but I put all my monthly bills dates on my calendar and that seems to be helping a lot to look ahead and making sure I have the money in my account
That’s AWESOME!
Thank you for this video! I began accumulating CC debt when the pandemic started. I lost my job and got sick, but with all that was happening, I leaned in to the CC’s and let the worldly events take a hold of my life. Now, as a young adult with multiple debts, I no longer want to be trapped in this cycle and want to break loose of the money owning chains. I’m very glad I found your pin on Pinterest, and the content you create for many. God bless you, and May your company continue to flourish! 🙏🏼❤️
You are so well-spoken! Thank you for all of the work that you do to educate us!
Really an excellent video explaining how to get started with the Cash Envelope system. This is the best explanation I've seen. Thank you!
This makes budgeting look so fun! Thankyou for this. Im watching from England in the United Kingdom. I have BDP and I impulse buy. Thank you so much for this!
I love that your going back and breaking this down I'm only three maybe 4 months in and I've had a back slide like we did great the first two months now some reason it's like we are struggling again
I really enjoy your videos. You have an upbeat personality that makes all this money stuff seem fun. Maybe for the new year, I’ll get my act together and start doing this for real. Thanks for sharing your knowledge and ideas!
thanks for that first tip about cutting back 20% on groceries, you are amazing!
1 year later from you posting and this is the best explanation I’ve seen of this method. Thank you! ❤❤
I already started this past paycheck with a very basic start, we had the bills part figured out and just sort of tried to alot some money to get a structure to begin transitioning. The 20% reduction is going to be so helpful for this weeks upcoming paychecks!
You added so much great content this week! Thank you for this beginner video. I work with low-income women at a nonprofit in GR, and I always recommend your videos to the fabulous ladies I serve who are wanting to learn financial literacy.
I'm sorry , but love , what do you use for your Curls??😍😍😍🤩🤩🤩🤩🤩🤩🤩🥂🎉🥂🎉🥂🎉🥂💐 They look amazing
Olaplex to wash and condition. Miss Jessie’s to style 🖤🖤
Subbing! I Saw you on some news program.
Love your content honey!! Keep it going ❤
So glad I did exactly this when I started out and it works! Thanks for this, Jaz 🙂
thank you so much for this, you explain things in ways that are very easy to understand. i will give it a shot.
Girl I’m in the pedi chair laughing like crazy at your video. I love it. “Girl I’m not driving to the bank that much”. Hilarious. ❤❤❤❤
Wow this is awesome advice thanks so much
Bought a clear plastic folder and some pay envelopes and binder to start yesterday
This was great!!!!
I’m so glad I found you 🥳I’m ready to start !!
interesting concepts.. keep it up!! this should be in highschools
I just found your channel and subscribed. Thank you soon much. I am excited to learn this process and get started . God bless you.
Thank you!!
I recently got a big lawsuit and have been shopping for stuff I always wanted but not expensive stuff. We spend 800 on groceries a month and am soon to get a gastric sleeve surgery so I won't be eating as much as I used to so I can cut my grocery bill down to at least 300 monthly for my husband. I want to invest money too so it will grow but I don't know where to start. I'm only in debt for 7k on my new car and I did that to build credit . I don't have any other debt. I have a nice emergency fund put away as well and wanted to get some CDs but the rates aren't great. I need to follow you to view all your advice. I don't wanna go broke . 😭
You are a gem!
I WISH we lived near you. My wife would apply for a job.
Thanks sis
This was really helpful
SINKING FUND V EMERGENCY FUND..SAME?
I just love you. Thank you for being awesome. xx
Love you back!
Girl I feel like I'm in school taking notes lol but I need to have all this information for next month. Well I already started a little now but it's really happening on the 1st
I loved this video wonderful job.....yessss
Finally found you page❤
BRILLIANT! How can we use Cash Stuffing technique for TIME? Thank you so much for your wisdom!
What do you mean?
@@Baddiesandbudgets Well most of us running low on time and money, you figured out the money part, and very well you did!
I was wondering if you can also figure of the 'time' budgeting....half jokingly :)
I know that you are probably joking, kind of, about saving time but, wouldn't it be wonderful to save time to use later? 😅
I guess the place to start is tracking it, like she explained about money. Keep track for a few days of where you are spending your time and reduce by 20%. It sounds like it should work. 😊
@@pnwlaf Right 👍 to bring awareness to how much time I spend on this or that...
After all we always want more time and money or not enough time and money.
Also stop using excuses I don't have enough time and money from wanting or not wanting something to do.
Hello! So in step one are you going back for the whole year or just a few months to evaluate the spending?
I’d just do a few months!
So right about the sinking fund we have a puppy who has a new name. We call him 3300 😂
Awesome
Great video, I'm new a subscriber about a month. Celissa from beautifullymeandyou posted a video of yours. I'm definitely will be tuning in. Love the hair.
This is great!! Thank you!
I started this with my last paycheck & had a surprise expense pop up but I was able to cover it because I set aside money for savings!
Variable spending is my problem!! No more Goodwill and TJMaxx 😮
Great video! Thank you :)
How does your 100 envelope challenge binder work?
where do I find this one on the website?
How do you know how much to stuff each week for each bill
Hi, did you ever try digital budgeting before cash envelopes? Why did you choose envelopes? Love your video by the way!👍
Cash can really help with tracking and preventing overspending. It's physical and you have to handle it. Digital you swipe a card and that's it which for some can be done absetmindly resulting in overspending before the notice what's going on.
How can er use the envelope system when i online shop?
Hi! I'm new here... Thanks for the video 👍🏿
Thanks for coming
Hey hun 20% of 700 is actual 140
I'd love to work with you to help me to set up a plan like this. Just paid off my credit card debt and NEVER want to be under the thumb of debt again!!!
I’m so jealous. I have credit card debt and it sucks.
Thank you for sharing this content❤💰💰🤑💸💸💸❤
Seriously considering it. Need clarification about the money. You're taking out the total amount of the bills in cash, put it in the envelopes and on a certain date you put the money in the bank. Is that it? Are you taking out your entire check?
That should be $140 so there should be 560 left
How many bank accounts do you have, and what do you name them?
I believe 20% of 700 is 140.00
Such a good way to make sure we are paying attention!
I was going to go back and rerecord that part but I KNEW y'all would catch it lol!
But how did you get a month ahead. My bills are currently coming out of my bank account so how do I get the cash to even start?
Hi hunny... my question is how do you get to the ability to BE a month ahead? I'm bi -weekly and this is my only income at this point. I had to relocate, so have to rebuild my clientele. Any advice for a paycheck to paycheck??? #INSPIREDWOMENINSPIREWOMEN✊🏽📿☮️💜
It definitely is not the first step. Get your budget together first. I didn't get one month ahead until almost a year into budgeting
Do you own your own home or rent?
Awesome info. TFS
❤️❤️❤️
20% of 700 is 140. 🤣🤣🤣
It’s a fact 😂
This is a lot to absorb!!!!!!!!
Great video
All I'm going to say is that inflation is not high enough when people still spend that much on a freaking binders🤯. And than they wonder why they are in debt.😂
I tried cash stuffing and then just ended pulling the money out
I haven't understood the envelope use. Anyone care to help? What goes into envelopes and how do you do that??
20 percent of 700 is 140, not 120.....
This works for people who have the income.. however, what about those of us whose original budget is so low income that we have 40 a week to feed SIX people? That's less than 200 a month for someone like me. I have nothing else to cut. I don't have any subscriptions. My only debts right now are the 200 left on a hospital bill, 530 left on my burial policy, and about 1500 on my new washer/dryer. I am damn near destitute after bills, rent, a few bucks on groceries, toiletries, gas, and lunch money to carry sack lunches so that I don't eat out while on the road for work (in-home healthcare). My job doesn't pay for mileage and does not give gas allowances. And don't say get another job because I'm already looking and can't find one and I'm already paying anywhere between 120 to 160 in gas. I can't afford MORE driving. Don't say get a job in town either b/c I've already looked and there's nothing. I've applied to half a million places and can't find anything in town. Not to mention that my town is a tiny hole-in-the-wall place in rural Arkansas where the next big towns are almost 30 miles away and our major cities are an hour to two hours away. No, I can't afford to move either b/c if I had that money I'd not be here telling you... I'm struggling and can't make it and can't afford groceries. I don't know what I'm going to do, to be honest. I don't give myself "beauty" allowances or "self-care" allowances or "family fun" allowances. I don't get my hair and nails done. I can't remember the last time I bought myself everyday clothing. I wear the same set of scrubs for anything I do outside of the house whether I'm working in them or just going to the store. I don't do girls night, date night, or anniversary. I don't have extra places to just "cut money"... so now what?
I've noticed a lot of these people are like "low income cash stuffing" and they have like 600 dollars left after a paycheck, lol. That's another thing that drives me crazy. Where are my "I've got maybe 15 or 20 dollars" MAX left IF anything" folks at? lmbo... Edited to add my husband saying, "show me the folks who only had 78 cents left for a small apple tart for lunch today at work." :P That's all he had left on his card. He now has ZERO dollars. Guess what he gets for lunch every day now.... NOTHING. Where are few dollars or few cents people at? Someone out there has to be like us. I know we can't be the only ones.
20% of 700 is 140, hence 560 is left.
Exactly and she's giving advice on finance
@@Michelle-oj2yq she is and she's getting rich so what??
I can't get past the fact that you think $120 is 20% of $700.
20% of $700 is $140 not $120, for a grocery budget of $560.
Just sayin
20% of $700 is NOT $120? Hard to watch more budget advice after that glaring error!
You can still use the principles right?
Bye
20% of 700 is $140 How embarrassing !!!! Come on you've got to be kidding and you turned this into $800Ka year business. How in earth . . . . Gotta be a lot of really clueless people out there. There is NO WAY IN HELL
😂 Pre-Order Plastic Surgery Savings Book MYSTERY BOX! Yeah, $175.00 USD I’m about to add my credit card on your website and pay over price stuff your selling 😂
700×20% =,$140 not $120