I just stumbled on your video. I am not in your situation but I grew up in a low income household. I know how difficult it is to stretch that paycheck. I pray the Lord continues to bless you with wisdom and brings opportunities for your income to increase.
Your conversation about not qualifying for food stamps reminds me about why I bring non-perishable food to those little food cupboards where anyone can pick up what they need. So many people are living on a low income, but don’t quite qualify for food stamps.
Aaaaaah, people and their opinions.... You are doing it right, and I respect you for carrying yourself with dignity in circumstances which are not very easy, I am sure. Keep it up!
It amazes me that you can live off $16/hr. I make $23.65/hr & I feel like that’s not enough. Your videos give me insight on how/what I need to do on budgeting. Thank you!!
Yes same, I'm at $25 and I'm like... I need to find a way to make more!!! Lol and then seeing how miss mamas over here doing the damn thang kind of slaps me into reality. It's me. I'm the problem 😭
@@despiszesame lol! I’m still trying to figure out where I’m going wrong at. I just finished paying my car off so I’m like where’s that’s extra $ at lol.
I get it. Yes! Right now I’m just paying bills, debt and a little saving. I get my baby girl hair done. Lol mean while I don’t have anything left to get my hair and nails done etc. So with that being said I’m living less in the beauty and area where most women spend a good bit in. Also I have a paid for car and just pay act insurance. Most people have car payments. So my budget may look different because of those two categories. I live only 5 mins from my job so I realize I may spend less than most in gas. Moral of the story. Just cut to the bare minimum where you can. My budget isn’t perfect. I still spend on things sometimes but I have more things down to the lowest I can get them right now. I do need to shop around to see if I can get even lower on my part. I need to pay off my two phones so maybe I could go to mint and have a even cheaper phone bill. Right now I’m paying $113 for two phones. That’s even low to some but I heard I could get it even lower.
@@DiaryofaSingleMom-ov7xfyes! Thank you! You’re so inspiring on what to do with extra $ if there is any. Please keep the videos coming! If you can do it on $16/hr job, then I definitely can do it. I just need to keep track & see where money is going.
Thank you for putting yourself out here and being honest. It's hard to watch the videos where people are stuffing thousands and thousands of dollars, and It's unrelatable. Thank you for being real and showing that everyone can save!
Yes you shouldn't have to explain. People are doing the best they can in this economy. No need to bash people. You're doing great. Hats off to you. Like I said before I know exactly what you're going through I am a single mom. My son is now 26 and does for himself.
This is so helpful, I’m going to start cash stuffing this week! It feels like a friend is showing me how. By the way, I literally teared up a bit when you flipped past the envelope with your own name and said, “I won’t be getting anything right now, and there’s nothing in here.” I just wanted you to know that I see you! Your kids are so lucky to have a mom who cares this much, and goes out of her way to make sure they’re taken care of and provided for.
Thank you Rose. Once upon a time I was able to do stuff for myself but that is the last thing on my list. I need to make sure my baby have what she needs and maybe a few of her wants too. When I can do for myself I will. Let me know how your first time cash stuffing goes.
I'm a single mom, with 3 kids still at home, making about $16 an hour also. It's rough out here man. I feel like giving up a lot trying to get ahead because something is always going up or breaking down. Trying to stay motivated! I wish you well.
Thank you for your wonderful video. How dare anyone question your grocery choices! We all make individual choices. I think most of us buy meat some weeks, fruit and veg some weeks, processed sometimes, etc. IMHO.
Emily, you are doing an awesome job budgeting, saving, and providing for you and your daughter. Keep doing you and don't mind the nay-sayers. Great Job❤😊
You're doing an awesome job for your daughter and yourself! Always consious about your four walls and beyond! Don't get discouraged about the negative comments. You're a great example to your daughter about how to persevere in less then ideal times.
Hey Emily, SC SAHM of 3 here, I def understand your need to budget. Growing up I had to watch my mom managed and budget as a single parent (me and her, but she has three older kids) on making low income, $13-$15 per hour. I budget as well cus you never know what could happen and you’d want to be prepared. Seeing you, my mom, and many other women do it without help or gov assistance is inspiring and it sucks terribly that given the circumstances bc you work, you make too much to receive assistance but not enough to pay bills, put food on the table, save up for rainy day fund, etc. don’t get me started with inflation-like how do we move forward?! There’s people that have jobs but living in their cars with children that still can’t afford housing and can’t receive assistance bc they make too much. Where does it end?! I’m a new subbie. I applaud your hardwork and budgeting videos…truth, normalcy, and transparency is what I look for in quality/relatable videos. It’s like a breathe of fresh air❤
Newbie here! Thanks for explaining a lot of info. You are definitely on the correct course for your life! You have already made big changes to your financial journey. Keep up the good work!
I am a new subscriber i am 40 years old as well. I have an 18 and 19 year old boys and i also had a surprise baby so she is now 10 months old so i have been cash stuffing for around 3 years but i also have been off wotk for about a year now due to me having a baby. My boyfriend pays all the bills but i just started working from home so i am now making 16 an hour also a far cry from where i was before. I was making 25 an hour now i have to get used to my new budget. Thankfully my 2 oldest work themselves and take care of themselves now. They still live with me but they are pretty independent for the most part. I am excited to start my cash stuffing journey again!!!!
Hope you get power back soon. Another channel I follow she lives in Virginia. Her Deep freezer thawed she had to cook all of her meat or cook everything she could. She said power company is saying power will not be back on until Oct 1. Praying for everyone.
You don’t need to explain yourself, Emily. You are working wonders with everything you have. These are some super difficult economic times right now. I think you do an amazing job! ❤
For help with medical bills, see if the hospital (if they came from a hospital), has a charity care program. We used that a lot for our patients when they couldnt afford some medical bills
You are low income. You are supporting you and your daughter by yourself with no help. It's amazing you make it happen with 16 an hr. Rent and food and all else. You are doing great. Some places will close food banks if not enough people go to them. Maybe check on your area 😉 use it if only to keep it going for people that depend on it. I love watching you get all your bills paid and do extra AND save. One day I will catch up and do that.😊
@@mariejones4981 Thank you Marie. With the recent storm we had here it’s going be a lot of people that need help. I’m losing my freezer tomorrow. We been without power for two days. My items are thawing out. Thank God I only had two packs of meat. I was suppose to go stock up last week on meat but never got around to doing it. I’m so glad I didn’t. I know God will supply all my needs so I’ll be starting my freezer over when we get out power back.
@DiaryofaSingleMom-ov7xf omg. I'm sorry you are having to start over but thankfully you got through the storm and aren't losing a lot. It still stinks. But you are right God will do it.
Hey hun if you want a fabulous vacation on a lower budget. Consider a cruise. For you and your daughter you can get a 3-4 day cruise to the Bahamas for about 600. Above and beyond the 600 will be spending money.
I grocery shop the same way. And at different stores depending on what we need. People without children don't know about shopping only for kid's ready snacks.
Hey Emily. I really enjoy your videos. Your voice is calming, yet you get your points across. You’re correct, set those boundaries. People believe they are entitled to all your day to day business. Keep shining💜💜💜
You are a wise woman with what you have to work with! I need to be a wiser woman! Haters will hate but they don't serve you a plate!! Keep on keeping on you are doing great!! God bless you and your daughter now and in the future!!
Thank you so much. We are safe. We are just waiting to get power. I want to complain but I realize it could be worst. Some people didn’t make it out of this.
Girl you are amazing and inspiring, you do NOT have to follow anyone’s plan to a T, not even the great Dave Ramsey, and I am also a fellow Dave Ramsey fan. 😊 You do what you think you need to do for your household like you said, and I think the fact that you are responsibly SAVING for a vacation rather than putting it on a credit card would make Dave Ramsey proud. So you know what, people who criticize you can stick it where the sun don’t shine 😂 You enjoy yourself a little vacation, mama!!!! You work hard, and you and your daughter deserve it after 3 years of no vacation! ❤❤❤ I do the same, I follow most of what Dave teachers, but not everything. 😊 Blessings to you and your daughter!
I got the job I interviewed for and I’ll be making $15 an hour. I’m starting out with real envelopes, to do my cash stuffing lol ✉️ I believe this method will really help me budget. Also got a $1 budget planner on clearance at Walmart. A car maintenance envelope is so smart . Never thought to do that but everyone should. Xo
I totally agree with you I love Dave & all the others that I take bits from them all. But cash envelopes don’t suit my family I have tried I do exactly what you do with your cash but with bank accounts. Iv been to the food banks to feed my children as we are low income. People stop judging people if you don’t agree with this lovely lady’s content then don’t watch. Nobody is living in Emily’s life but her & her family Emily has managed to progress in leaps & bounds over the years. ❤
people gatekeeping being low income is so childish. youre low income. you are the sole provider for yourself and your teenage child. income scaling isnt just about the hourly wage, especially in the current age of inflation. and deflation is no where in sight either. imagine actually walking around thinking the only way you can call yourself low income is if you cant buy food. thats unbelievable. minimum wage isnt even anywhere close to livable either. if you double or even triple federal minimum wage, its still not a livable wage. its like if you eat anything but wet corn meal and sleep, people feel the need to say youre not poor. but imagine if you werent buying food properly and keeping the both of you fed. theyd misconstrue that too
Yes your right. I don’t have a lot in my envelopes and I do have security cameras on my doors and I’m getting ready to take each envelope to my bank. I have capital one with lots of savings to place my money in. I have prop money to put into my envelopes.
I haven't been on a vacation since 1988. It's the food and lodging that destroys vacation money. If you pack a cooler with snacks/food/drinks, stay in an inexpensive motel/hotel or air bnb, you should be able to make it work on a small budget which will be exciting. Just keep doing what you are doing. I started with Ramsey and still do his system 85% of the time and it has worked well. I'm certainly not rich, but I have made it through a pandemic and higher inflation with little worry and manage to save a little money every year. Having a cushion is key to life's mishaps. You have a good system. The only thing I would recommend would be to take the school budget and divide it by 12 and save that amount monthly so it doesn't hit you all at once. Even if it is only putting away $5/mo. The goal is to knock out all these little expenses that creep up on you every year, but I know you understand that because you are crushing it.
@@SaveNStuffwStephanie thank you! We are safe but it’s been crazy. Tomorrow will be Day 3 without power. Our entire city is without power. Food and gas is limited.
Laundromats are sooo expensive. I had to use one for one of those big washable rugs. It was 24 dollars. I wish there was a cheaper option for you because dang!
Do you have a Beauty School in your area for hair? They have students who can do hair styles for an affordable rate. That can help. They can do natural, relaxed, or braid. You can try them.
I’m on Soc/Sec and Disability plus work p/t at a fast food restaurant with a total monthly income of about $1400. I definitely consider myself low-income because my rent, water and internet takes up half my pay not leaving a whole lot left for incidentals. I am a single 65 year old female.
You are definitely low income and people should mind their business. I make 17.50 an hour with 3 kids. I can't even afford health insurance. You are doing what's best for you and Ashton and I am so glad I found your channel Emily.
i make $20/hr with one daughter and a husband. my husband looks after our daughter when I'm at work. Barely, scraping by with my income, even with the assistance of Snap. Still have to pay out of pocket to buy groceries, when Snap runs out
Ms Emily don’t feel a need to explain to someone that does not have a clue. I understand why you say low income. I think you are doing phenomenal considering your hourly wage. Keep up the great videos
Are you saving for the future? You didn't mention an IRA, 401k/457b, HSA, etc. I highly recommend saving for the future. If you can only put 5% (the minimum for my 457b is $12.50) a pay period, it's better than 0%. I've seen low income people leave the workforce as millionaires. It's not about how much you make, but what you do with it.
@@blackchemist2013 hello. Sorry I didn’t mention it. Yes I have a state retirement that I have to contribute too. It’s at 9% going in. It’s mandatory at my job. It’s taking directly out my check along with medical, short term disability, life insurance for me and my daughter and dental plus for my daughter and I.
Some channels I follow have terrible problems with their comment section. One man with a finance and investment channel is constantly badgered about his personal life, how much money he has, whether or not he has a girlfriend, and if he does have one where is she, and whether or not he's gay. One Japanese couple had to shut down and go offline for several weeks because the verbal abuse got so bad and their channel is nothing but their life as a married couple. Jordan the Lion does travel videos and as soon as his new girlfriend appeared on his channel the death threats started coming in and they ended up having to contact the FBI. One woman is a prepper and she's received death threats, threats to take advantage of her [ if you get my drift,] and she's had men who watch her channel show up at her door and try to force their way in. She has no idea how they found out where she lives. Channels dealing with politics and religion have problems because those are touchy subjects and they generate a lot of anger but why threaten and aggravate people with family-friendly channels who talk about finances, travel, and household tips.
@@PrincessofAtl-v2r Agree. There are too many people out there who are either nosy, unstable, or just flat-out mean and love chaos. My daughter thought about starting a channel but quickly changed her mind after I told her about some of the experiences others have had.
@@prettybullet7728 thank you! Yes! You have to have thick skin for this platform. You get tired of being misunderstood or judged but the amount to support I have here supersedes the bad. I love you guys❤️
Sweetie, you are low income that lady don’t know what in the world she’s talking about I live in New York and I make $19 an hour and I’m still considered low income💕
@@erinkerbs6789 Thank you Erin. These are my sinking funds. Which I pull cash for once I have a lot in the envelopes I place them in the bank so I don’t have too much cash in my home. My emergency fund is significant so I do save that in the bank.
@@MJ_Solo yes! There is. I get more in my check than at income tax time. I have one dependent. I barely have any Sc state taxes come out but don’t receive anything back at income tax time. My check may be closer to yours because this was for 120 hours of work. My normal 80 checks are about 1,159
@@DiaryofaSingleMom-ov7xf Oh, I see. Thanks for the explanation! I have no dependents, but I only work 40 hours a week. Love your content, I'll be waiting for your next uploads!
Just let your medical bills go to collections, they don’t really impact your credit score & even if they did who cares. I’ve had medical bills that I’ve never paid & they had little to no impact on my credit score.
I just stumbled on your video. I am not in your situation but I grew up in a low income household. I know how difficult it is to stretch that paycheck. I pray the Lord continues to bless you with wisdom and brings opportunities for your income to increase.
Thank you for your kind words and prayers! 🙏. Thank you for the Super Thanks as well. I appreciate your support
Your conversation about not qualifying for food stamps reminds me about why I bring non-perishable food to those little food cupboards where anyone can pick up what they need. So many people are living on a low income, but don’t quite qualify for food stamps.
@@Dakotarunner2013 Thank you! And Thank you for helping others in their times of need. God loves when we are selfless.
That's a a great reminder. I think I'll clean our my pantry tonight and take some to my little pantry.
I love that your daughter gets to see how important and helpful it is to learn how to budget. You’re doing a great job!
Aaaaaah, people and their opinions.... You are doing it right, and I respect you for carrying yourself with dignity in circumstances which are not very easy, I am sure. Keep it up!
It amazes me that you can live off $16/hr. I make $23.65/hr & I feel like that’s not enough. Your videos give me insight on how/what I need to do on budgeting. Thank you!!
Yes same, I'm at $25 and I'm like... I need to find a way to make more!!! Lol and then seeing how miss mamas over here doing the damn thang kind of slaps me into reality. It's me. I'm the problem 😭
@@despiszesame lol! I’m still trying to figure out where I’m going wrong at. I just finished paying my car off so I’m like where’s that’s extra $ at lol.
I get it. Yes! Right now I’m just paying bills, debt and a little saving. I get my baby girl hair done. Lol mean while I don’t have anything left to get my hair and nails done etc. So with that being said I’m living less in the beauty and area where most women spend a good bit in. Also I have a paid for car and just pay act insurance. Most people have car payments. So my budget may look different because of those two categories. I live only 5 mins from my job so I realize I may spend less than most in gas. Moral of the story. Just cut to the bare minimum where you can. My budget isn’t perfect. I still spend on things sometimes but I have more things down to the lowest I can get them right now. I do need to shop around to see if I can get even lower on my part. I need to pay off my two phones so maybe I could go to mint and have a even cheaper phone bill. Right now I’m paying $113 for two phones. That’s even low to some but I heard I could get it even lower.
@@DiaryofaSingleMom-ov7xfyes! Thank you! You’re so inspiring on what to do with extra $ if there is any. Please keep the videos coming! If you can do it on $16/hr job, then I definitely can do it. I just need to keep track & see where money is going.
Same bc i really don't go outside the home bc its just too expensive lol@DiaryofaSingleMom-ov7xf
You don’t owe anyone an explanation. I think you are doing a good job for you & your daughter. Don’t worry about what other people have to say.
Thank you! You are so right. ❤
Thank you for putting yourself out here and being honest. It's hard to watch the videos where people are stuffing thousands and thousands of dollars, and It's unrelatable. Thank you for being real and showing that everyone can save!
Yes you shouldn't have to explain. People are doing the best they can in this economy. No need to bash people. You're doing great. Hats off to you. Like I said before I know exactly what you're going through I am a single mom. My son is now 26 and does for himself.
@@Echodot232 Thank you for being understanding. You have done it as well. Much love ❤️
This is so helpful, I’m going to start cash stuffing this week! It feels like a friend is showing me how.
By the way, I literally teared up a bit when you flipped past the envelope with your own name and said, “I won’t be getting anything right now, and there’s nothing in here.” I just wanted you to know that I see you! Your kids are so lucky to have a mom who cares this much, and goes out of her way to make sure they’re taken care of and provided for.
Thank you Rose. Once upon a time I was able to do stuff for myself but that is the last thing on my list. I need to make sure my baby have what she needs and maybe a few of her wants too. When I can do for myself I will. Let me know how your first time cash stuffing goes.
I'm a single mom, with 3 kids still at home, making about $16 an hour also. It's rough out here man. I feel like giving up a lot trying to get ahead because something is always going up or breaking down. Trying to stay motivated! I wish you well.
you got this!
@desireec9222 I'm right there with you. We got this. Things won't always be like this. Stay strong.
Thank you for your wonderful video. How dare anyone question your grocery choices! We all make individual choices. I think most of us buy meat some weeks, fruit and veg some weeks, processed sometimes, etc. IMHO.
People are so judgemental. You do what you have to on $16/hr.
I am starting my budgeting over again for the 90th time in October. I have canceled several subscriptions however I know I need to do more.
Lol I get it. I’ve started my budget a bunch of different ways and times as well.
Good for you. I just cancelled most of my subscriptions as well. Every little bit helps.
Emily, you are doing an awesome job budgeting, saving, and providing for you and your daughter. Keep doing you and don't mind the nay-sayers. Great Job❤😊
Thank you Georgia. ❤
I’m new here and I don’t mind you being repetitive. I’m also low income family. Thank you for your video.
I think you are doing a great job. You are making sure that your essentials are taken care of for your daughter and yourself.
Thank you so much!
You're doing an awesome job for your daughter and yourself! Always consious about your four walls and beyond! Don't get discouraged about the negative comments. You're a great example to your daughter about how to persevere in less then ideal times.
Thank you Emil. Your kind words are much appreciated.
Hey Emily,
SC SAHM of 3 here, I def understand your need to budget. Growing up I had to watch my mom managed and budget as a single parent (me and her, but she has three older kids) on making low income, $13-$15 per hour. I budget as well cus you never know what could happen and you’d want to be prepared. Seeing you, my mom, and many other women do it without help or gov assistance is inspiring and it sucks terribly that given the circumstances bc you work, you make too much to receive assistance but not enough to pay bills, put food on the table, save up for rainy day fund, etc. don’t get me started with inflation-like how do we move forward?! There’s people that have jobs but living in their cars with children that still can’t afford housing and can’t receive assistance bc they make too much. Where does it end?!
I’m a new subbie. I applaud your hardwork and budgeting videos…truth, normalcy, and transparency is what I look for in quality/relatable videos. It’s like a breathe of fresh air❤
The food police aren’t buying your groceries
Thanks!
Girl I admire you so much. I need to do what you do so my money can work for me.
Thank you! Yes! I’m telling you budgeting is a game changer.
Thank you for the Super Thanks.
I hope you are safe from the storm. I’m glad you’re applying for help with the medical bills. Great video!
You are such an incredible mama
Thank you❤️
Newbie here! Thanks for explaining a lot of info. You are definitely on the correct course for your life! You have already made big changes to your financial journey. Keep up the good work!
@@chrismeister884 thank you so much.
I am a new subscriber i am 40 years old as well. I have an 18 and 19 year old boys and i also had a surprise baby so she is now 10 months old so i have been cash stuffing for around 3 years but i also have been off wotk for about a year now due to me having a baby. My boyfriend pays all the bills but i just started working from home so i am now making 16 an hour also a far cry from where i was before. I was making 25 an hour now i have to get used to my new budget. Thankfully my 2 oldest work themselves and take care of themselves now. They still live with me but they are pretty independent for the most part. I am excited to start my cash stuffing journey again!!!!
Congrats on over 6,000 subs!! Enjoy your video as always. Stay safe. Prayers for you & your daughter during this time.
Thank you Jessica. We made it through. I’m just waiting on our power to come back on. We just got through Day 2 without it.
Hope you get power back soon. Another channel I follow she lives in Virginia. Her Deep freezer thawed she had to cook all of her meat or cook everything she could. She said power company is saying power will not be back on until Oct 1. Praying for everyone.
You don’t need to explain yourself, Emily. You are working wonders with everything you have. These are some super difficult economic times right now. I think you do an amazing job! ❤
Thank you so much!
Emily, I am so proud of you! You are doing great.
Love your videos. Please, don’t stop.
Thank you! I will try to keep pushing. Thank you for your encouragement.
For help with medical bills, see if the hospital (if they came from a hospital), has a charity care program. We used that a lot for our patients when they couldnt afford some medical bills
Thank you! Whitney. Yes! I applied this week to the hospital financial assistance program.
I am so glad that I came across your channel. I appreciate your bluntness. ❤
You are low income. You are supporting you and your daughter by yourself with no help. It's amazing you make it happen with 16 an hr. Rent and food and all else. You are doing great. Some places will close food banks if not enough people go to them. Maybe check on your area 😉 use it if only to keep it going for people that depend on it. I love watching you get all your bills paid and do extra AND save. One day I will catch up and do that.😊
@@mariejones4981 Thank you Marie. With the recent storm we had here it’s going be a lot of people that need help. I’m losing my freezer tomorrow. We been without power for two days. My items are thawing out. Thank God I only had two packs of meat. I was suppose to go stock up last week on meat but never got around to doing it. I’m so glad I didn’t. I know God will supply all my needs so I’ll be starting my freezer over when we get out power back.
@DiaryofaSingleMom-ov7xf omg. I'm sorry you are having to start over but thankfully you got through the storm and aren't losing a lot. It still stinks. But you are right God will do it.
Emily, you are doing great and your budgeting is very good 👍
@@artfulcoloringpages thank you! ❤️
Hey hun if you want a fabulous vacation on a lower budget. Consider a cruise. For you and your daughter you can get a 3-4 day cruise to the Bahamas for about 600. Above and beyond the 600 will be spending money.
Your drive to be self-sufficient is admirable. Congratulations on your success so far! 🎉
@@loismontague8273 thank you so much.
Really enjoy your channel. Thank you for sharing
Glad you enjoy it! Thank you for your support
You are doing great !!
You're killing it. Stay strong and stay focused.
I grocery shop the same way. And at different stores depending on what we need. People without children don't know about shopping only for kid's ready snacks.
Hey Emily. I really enjoy your videos. Your voice is calming, yet you get your points across. You’re correct, set those boundaries. People believe they are entitled to all your day to day business. Keep shining💜💜💜
You are a wise woman with what you have to work with! I need to be a wiser woman! Haters will hate but they don't serve you a plate!! Keep on keeping on you are doing great!! God bless you and your daughter now and in the future!!
Thank you! I love that saying. I will have to use that ❤️
Keep it up mama you’re doing great! I love every video you make 😊
@@Livingandlearningdaily thank you Hannah .
You’re making every dollar count….. this is a side job as well as real life savings for you and your daughter ❤❤❤ Good Job
I’m in the same situation in Nj is very expensive. I start my budget planning in October. Thank you for this video.
Thanks Emily. Great video. Your budgeting skills are very impressive 👏
@@Rita-ic9tv thank you!
@@Rita-ic9tv Thank you❤️
Great video. Thank you. Yes, you are low income. Your just not below the poverty line and homeless.
just saw your most recent community post. i hope this helps and that you and your family stay safe and be well 🤍
Thank you so much. We are safe. We are just waiting to get power. I want to complain but I realize it could be worst. Some people didn’t make it out of this.
Just wanted to say that you are an inspiration.
@@SandraSews0108 Thank you Sandra
I agreed with you keep your life private. I’m here to learn how to budget and do some savings challenges. I do love your story ❤
Girl you are amazing and inspiring, you do NOT have to follow anyone’s plan to a T, not even the great Dave Ramsey, and I am also a fellow Dave Ramsey fan. 😊 You do what you think you need to do for your household like you said, and I think the fact that you are responsibly SAVING for a vacation rather than putting it on a credit card would make Dave Ramsey proud. So you know what, people who criticize you can stick it where the sun don’t shine 😂 You enjoy yourself a little vacation, mama!!!! You work hard, and you and your daughter deserve it after 3 years of no vacation! ❤❤❤ I do the same, I follow most of what Dave teachers, but not everything. 😊 Blessings to you and your daughter!
I got the job I interviewed for and I’ll be making $15 an hour. I’m starting out with real envelopes, to do my cash stuffing lol ✉️ I believe this method will really help me budget. Also got a $1 budget planner on clearance at Walmart. A car maintenance envelope is so smart . Never thought to do that but everyone should. Xo
Congratulations on your new job; you should be proud of yourself! Best of luck on your budgeting adventure.
@@budgetwithrenay2419 thank you so much!! ❤️❤️🙏
You have to have something to look forward to. There is nothing wrong with saving for a trip.
Thank you so much.
new to your channel. you're doing a great job. your voice is super calming, too.
Thank you❤️
It's brutal that you lost your housing subsidy. But your determination and drive to succeed is amazing. ❤❤
I totally agree with you I love Dave & all the others that I take bits from them all. But cash envelopes don’t suit my family I have tried I do exactly what you do with your cash but with bank accounts. Iv been to the food banks to feed my children as we are low income. People stop judging people if you don’t agree with this lovely lady’s content then don’t watch. Nobody is living in Emily’s life but her & her family Emily has managed to progress in leaps & bounds over the years. ❤
Thank you Marie. You said a whole word. Thank you so much for your support. ❤️
people gatekeeping being low income is so childish. youre low income. you are the sole provider for yourself and your teenage child. income scaling isnt just about the hourly wage, especially in the current age of inflation. and deflation is no where in sight either. imagine actually walking around thinking the only way you can call yourself low income is if you cant buy food. thats unbelievable. minimum wage isnt even anywhere close to livable either. if you double or even triple federal minimum wage, its still not a livable wage. its like if you eat anything but wet corn meal and sleep, people feel the need to say youre not poor. but imagine if you werent buying food properly and keeping the both of you fed. theyd misconstrue that too
@@user-fc2xk3uv8y you’re exactly right. Thank you❤️
Love the video. I appreciate that you are keeping your personal business to yourself. It’s nobodies business. ❤
Thank you Tasha. I wish I could be more transparent but then the trolls would come even more.
I just found your channel and I love your content. Stay encouraged!
Thank you Tracie
You are doing an amazing job, kudos to you. I sympathize with you on your medical debt, I have that as well.
And u doing good I lived in SC and currently NYC. Good way to be accountable
I think you're doing great!
Great method! We debit card our gas for ease but cash envelopes helped us immensely.
Being in a challenging environment, I recommend play money in your envelopes.
Yes your right. I don’t have a lot in my envelopes and I do have security cameras on my doors and I’m getting ready to take each envelope to my bank. I have capital one with lots of savings to place my money in. I have prop money to put into my envelopes.
I haven't been on a vacation since 1988. It's the food and lodging that destroys vacation money. If you pack a cooler with snacks/food/drinks, stay in an inexpensive motel/hotel or air bnb, you should be able to make it work on a small budget which will be exciting. Just keep doing what you are doing. I started with Ramsey and still do his system 85% of the time and it has worked well. I'm certainly not rich, but I have made it through a pandemic and higher inflation with little worry and manage to save a little money every year. Having a cushion is key to life's mishaps. You have a good system. The only thing I would recommend would be to take the school budget and divide it by 12 and save that amount monthly so it doesn't hit you all at once. Even if it is only putting away $5/mo. The goal is to knock out all these little expenses that creep up on you every year, but I know you understand that because you are crushing it.
Great video.
Thank you
Heyyy Emily! Happy Saturday, from Cali! ☀️🌊🏝️ tuned in.
@@thehopefulbudgeter thank you!
You can ask the hospital for an itemized statement and negotiate the bill down
It's not much but I hope it helps :)
@@moondogs384 thank you so much. It’s much appreciated
I need to start putting away for a vacation.
Hey 👋 hoping yall are safe in SC!
@@SaveNStuffwStephanie thank you! We are safe but it’s been crazy. Tomorrow will be Day 3 without power. Our entire city is without power. Food and gas is limited.
@DiaryofaSingleMom-ov7xf oh babe, I'm so sorry 😞 I'm praying for you and Ashton! 🙏
Laundromats are sooo expensive. I had to use one for one of those big washable rugs. It was 24 dollars. I wish there was a cheaper option for you because dang!
Do you have a Beauty School in your area for hair? They have students who can do hair styles for an affordable rate. That can help. They can do natural, relaxed, or braid. You can try them.
Thank you. Yes! I do. I have went a few times myself. I actually forgot about them. Thank you for reminding me
Hey hey here watching. I don't see why people always say a person is not low income etc its differs from state smh.
I’m on Soc/Sec and Disability plus work p/t at a fast food restaurant with a total monthly income of about $1400. I definitely consider myself low-income because my rent, water and internet takes up half my pay not leaving a whole lot left for incidentals. I am a single 65 year old female.
You are definitely low income and people should mind their business. I make 17.50 an hour with 3 kids. I can't even afford health insurance. You are doing what's best for you and Ashton and I am so glad I found your channel Emily.
Thank you Coffee. Do you qualify for Medicaid or low cost insurance through the Health care marketplace?
@@DiaryofaSingleMom-ov7xf I have Texas Women’s that pays for my woman exams once a year. I’m still looking for healthcare that fits into my budget.
i make $20/hr with one daughter and a husband. my husband looks after our daughter when I'm at work. Barely, scraping by with my income, even with the assistance of Snap. Still have to pay out of pocket to buy groceries, when Snap runs out
Your binders are cute
Thank you!
New subbie 🎉🎉🎉
👋🏾💙 Great budgeting!
I buy one persnal pan pizza from walmart every payday
As Governor Tim Walz say’s, “ Mind your own damn business!” 😂
Hey hun..in NYC it is low income. I meant to ask did you finalize your monetization with youtube cause i be watching these ads
Thank you! Yes! I’m motorize now.
Ms Emily don’t feel a need to explain to someone that does not have a clue. I understand why you say low income. I think you are doing phenomenal considering your hourly wage. Keep up the great videos
👏 🌞
Hello Rose❤️
heyyyyyyy YT family 🥰🌸💕😊
Hello Rebekah
Are you saving for the future? You didn't mention an IRA, 401k/457b, HSA, etc.
I highly recommend saving for the future. If you can only put 5% (the minimum for my 457b is $12.50) a pay period, it's better than 0%.
I've seen low income people leave the workforce as millionaires. It's not about how much you make, but what you do with it.
@@blackchemist2013 hello. Sorry I didn’t mention it. Yes I have a state retirement that I have to contribute too. It’s at 9% going in. It’s mandatory at my job. It’s taking directly out my check along with medical, short term disability, life insurance for me and my daughter and dental plus for my daughter and I.
@@DiaryofaSingleMom-ov7xf great! I make sure to look out for other black women.
Whew! Some people can be so exhausting! They need to just mind their business.
Some channels I follow have terrible problems with their comment section. One man with a finance and investment channel is constantly badgered about his personal life, how much money he has, whether or not he has a girlfriend, and if he does have one where is she, and whether or not he's gay. One Japanese couple had to shut down and go offline for several weeks because the verbal abuse got so bad and their channel is nothing but their life as a married couple. Jordan the Lion does travel videos and as soon as his new girlfriend appeared on his channel the death threats started coming in and they ended up having to contact the FBI. One woman is a prepper and she's received death threats, threats to take advantage of her [ if you get my drift,] and she's had men who watch her channel show up at her door and try to force their way in. She has no idea how they found out where she lives. Channels dealing with politics and religion have problems because those are touchy subjects and they generate a lot of anger but why threaten and aggravate people with family-friendly channels who talk about finances, travel, and household tips.
Wow that’s terrible. That’s why I decided not to do RUclips. Ppl become nosy and start to overstep boundaries.
@@PrincessofAtl-v2r Agree. There are too many people out there who are either nosy, unstable, or just flat-out mean and love chaos. My daughter thought about starting a channel but quickly changed her mind after I told her about some of the experiences others have had.
@@prettybullet7728 thank you! Yes! You have to have thick skin for this platform. You get tired of being misunderstood or judged but the amount to support I have here supersedes the bad. I love you guys❤️
That’s a great decision children especially should be protected from the internet.
❤❤❤❤🎉🎉🎉
Thank you!
Sweetie, you are low income that lady don’t know what in the world she’s talking about I live in New York and I make $19 an hour and I’m still considered low income💕
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Is there an address if we’d like to send a card?
You can email me at the email in the description box. I can give you an address to send mail to me.
Is your "Back to school" mainly for supplies like binders and backpacks? You dont have to pay an entry fee to enroll your child in school do you?
Thank you! No it’s just for clothes, shoes and supplies.
11:14 Felt 😭
Hello! Is your cash app in the info section correct?
@@Itsgorgeouseverything thank you! Yes! It is correct.
I'm curious why you don't save in a bank?
@@erinkerbs6789 Thank you Erin. These are my sinking funds. Which I pull cash for once I have a lot in the envelopes I place them in the bank so I don’t have too much cash in my home. My emergency fund is significant so I do save that in the bank.
@@DiaryofaSingleMom-ov7xf that makes sense. Thanks for answering my question!
Wait a minute, is there no income tax in SC?? I work in NYC, make "50K" a year, but our paychecks are the same??!
@@MJ_Solo yes! There is. I get more in my check than at income tax time. I have one dependent. I barely have any Sc state taxes come out but don’t receive anything back at income tax time. My check may be closer to yours because this was for 120 hours of work. My normal 80 checks are about 1,159
@@DiaryofaSingleMom-ov7xf Oh, I see. Thanks for the explanation! I have no dependents, but I only work 40 hours a week. Love your content, I'll be waiting for your next uploads!
What’s a custodian? I’m from Australia so it’s probably called something else here
Thank you. I clean at a school for a living.
What’s your Cash App?
she has her cash app handle in her video description
Thank you! It’s in the description box. I had someone send a cash app. Are you Kaiden?
No I am not
@@KaylieS-v8m ok I’m sorry. I’ve had several send cash app. Just want to make sure I thank the right person and show appreciation.
Just let your medical bills go to collections, they don’t really impact your credit score & even if they did who cares. I’ve had medical bills that I’ve never paid & they had little to no impact on my credit score.
No girl don't do that, always pay your bills it will benefit you in the long run.
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Hello Linda ❤️
Great video
@@Judi-lm2fj Thank you❤️