Making a budget & sticking to it| Frugal living
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- Опубликовано: 16 сен 2024
- Hi guys, in this video I share my plans with you on how I intend to stick to my food budget and what ever I have left over is going into savings. Mission saving every penny full steam ahead :)
Thanks for watching
Hi Lizzie, I am a long-time viewer, but seldom comment. I just want to say that I find you to be such a lovely, kindhearted and wholesome person. You know struggles and adversity, but you don’t let it tarnish your positive and gentle nature. You are so deserving of a life without financial stress and I truly believe you will reach your goals. I’m here right beside you xx
Thank you and thank you for your lovely comment 💕
I find that setting a food budget and writing down every penny I spend keeps me on track.
Great folder, 10p well spent!
@@Janet-l2h I live in Canada and I live with my Mother after my Father died several years ago. We are on the same page when it comes to doing the finances. I pay her room & board. I print my bills when I receive them online then when I pay it, I get a confirmation #, use a Date Stamp to indicate when it was paid. Some Bills take five days to pay. It helps alot. I get paid Bi Weekly but on Thursday I see what I am getting paid then I can budget and pay what I owe.
Well done Lizzy for setting Budget Goals. I have a note book and I portion so much for this and so much for that. I pay my utilities fortnightly and I’m in credits with them , so much for food, savings, incidentals Christmas, insurances Phone and car expenses and I write each item with receipt number in the book and I allow myself $20 AUD each fortnight for me personally to spend as I want. Done it for years and it works for me. Begin slowly and you will find what works for you. Good Luck.
Thank you 💕
I split my monthly grocery budget into weekly cash envelopes. I also do a no spend week at the end of each month, except for bread, milk etc & yes I do savings challenges. It's a lot of fun & I've saved loads in the 2 years I've been following the zero budgeting method. (Every penny accounted for). I started small too, but now have quite a few binders😄
It really makes saving and budgeting fun 💕
It looks like you have a good plan.
Great Video Lizzy! I'm like you, I love watching all those money videos and I could feel your excitement 🥰...Ive been using envelopes for years, my food and petrol is same as yours haha😅...I do ones for birthdays, Xmas, car maintenance etc.. dentist and so on...💰💰💰
It's so exciting 😃great ideas for other envelopes to have, love the birthday and christmas one 💕
@@frugallizzybee I also save £2 Coins in a Jar for Xmas too 😁💰
Hi, i dont have much disposable income left at the end of the month but i made my own 'advent calender' i dont know if you have seen them but you get 24 envelopes ive got resealable plastic little bags you number them 1 to 24 and you save that number so 1 =£1 upto 24 that = £24 and it saves £300 x and yes i do do envelope stuffing so i have a plastic wallet for everyone i buy for and put a bit in each month for present, they are quite easy to make if you have a laminater theres plenty of vidoes on youtube x
Amazing thanks you, love that advent calendar one 💕
Well done Lizzy for doing so well with your budget and also looking after your dad, it can’t be easy😘😘
What a great idea.
Wow Lizzy..you are on a roll!👏🌷
Hi lizzy I started this in February and I've loved it I got a good amount for Xmas already I do it for birthdays, car, hair cuts,household repairs, glasses etc x
Hello, small steps to start with, and you will not become overwhelmed.
have loved you recent helpful posts xxx when i first had to look after myself at 17 (now 48) i got one of those tins that had money slots in the top. i also got paid cash in brown envelopes with you tax and ni written on the outside at this point i got paid weekly, i paid my rent to the council then put what i needed to per week in each slot and what was left was my food and spending money, anything left at the end of each week went in a jar. i still use a very similar method now but monthly pay into the bank, but have several accounts and on payday have standing orders going to each of them to cover insurances, house, car, holidays etc. the day before payday anything left in the main account i move to savings xx
Hated looking at the tax and I.N on the front, apart from when I was a student 😂 That's a great method 💕xx
You can use envelopes for your cash categories.
You could also leave it in the bank and use trackers.
Using trackers is a good idea even if you use cash. Make a page for each category in your nifty little 10p book. 😁.
You do very well! It takes a few years to really hone a cash budget and you will still have to tweak it.
Good luck!
Thank you 💕
Hey, you! 👋🏻 Me again. Watching you from the kitchen in Minnesota (USA). Iced tea today. Really hot and sunny. For maybe nine months I’ve done a grocery “envelope”. It’s our son’s old billfold. Cash out; receipts in. It’s helping me, but my husband eats outside the home and randomly shops for food he wants. 🤷🏼♀️ Bye
Hello, send me some sunshine 🙂💕
@@frugallizzybee as much as you wish, dear ☀️☀️☀️☀️☀️☀️☀️☀️☀️☀️
You might like to watch NZ Money Karma sometime Lizzie for mega envelope stuffing !
Great, thank you 💕
Wow, you took me back in time Lizzy, my first summer job. Brown envelope, exactly how I was paid, with all the info written on the front.
Might be an idea to use Sellotape around the edges of the envelope to make it a bit stronger.
Great, thank you ill tape the sides 💕
Hey Lizzie, I can confirm all the binders and challenges are just a gimmick, I got sucked in and over 3 years have spent waaay too much money trying to “save” money! I just use Starling now, earn interest on my pots and the same context x
Yes I don't want to spend money to save it 💕
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I personally find budgeters who take out lots of cash for their sinking funds, only to put it back into the bank later very strange. Money should be in the bank earning as much interest as you can get, also not safe to have so much cash lying about in the house. Some budgeters I've watched in the past have thousands in envelopes!! crazy. I do cash envelopes and sinking funds but they are all on debit cards and I track my spending on a spreadsheet so I know how much I have left over in each category. I find it works really well for me.
Great method you have, thank you 💕
Hi Lizzy. I've been budgeting and cash stuffing since January and really find it helpful. You could watch Budget save grow channel. She's lovely and she has an allotment so might resonate with you. You're an inspiration too 🙂x
Thank you 💕 x
Lovely mug x
THank you 💕
Agree! Beautiful or cute mugs are a weakness of mine.
I have the same one from a shop called Dunelms 😂
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Great ideas x
Hiya, try Budget with Ira on You Tube - he's fun and has one of his channels where he revamps people's budgets. How he does it is very interesting. I take out the months food budget in cash. I have 4 or 5 envelopes ( depending how many Fridays there are in the month) and divide it between them. I'm only allowed to open it on the date stated ( obviously I use the same envelopes month to month and cross out the old date and put on the next month's date) then I empty my purse each Friday and I have physical pots into which I put the coins. Keeps me check! Petrol - I put down in a note book but pay on my card. Hope this helps.
Amazing, thank you 💕
Hi lizzy don't worry 😉 😊 your doing great 👍 2 envelopes .May be 3 one for other clothes house hold items ❤❤❤❤your amazing 👏. Hope your dad 👨 ❤ abd son is OK ❤❤❤❤lov from 🇬🇧 💷 🇬🇧 💷 ❤❤❤
Thank you 💕
I have cash binders I drawn-out money for the month and put it into binder in cash. If there is any left I put it into the penny savings challenge.
Can I ask what the penny saving challenge is? 💕
@@frugallizzybee sure it is a print out the idea is you saved I p the first day 2 p tge second day and so on after a year you should have saved over £600. I can't afford to cross one off per day so just do it when I can.
@user-ly6yn2sq2r that's a great way to save, thank you 💕
@@frugallizzybee it is it makes it fun .
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Hi lizzy how are you .Great ☺ budget❤video can you do cash 💸 envelope ✉ system sinking fund 🤔 please 📖 price 🔖 📖 tracking 🙏 oh 👍 👌 great ❤ budget 📹 🎥 ❤❤❤❤❤❤❤
'Im good thank you, hope your keeping well too 👍💕
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