April, we are right there with you about the take out. Our Air fryers really help with making meals quick, easy and tasty.... chicken wings, fish, fries, etc..
I love how you mention that you will go forward and back when it comes to debt. We had a car that we were making payments on and found out that we needed a new transmission, brakes and a few other "little" repairs for it. We did not have any kind of warranty on the car so all those repairs would be our expense. Unfortunately, they were more than the car was worth, and more than what we owed on the car. So we traded it in for a newer vehicle with slightly higher payments because we opted for a warranty. Hindsight says that yes, there were probably cheaper cars, etc we could have bought and so on, but now we have a car that is more reliable and we are starting over on our car payment debt... and for this particular instance, I'm ok with that since wenow only have a car payment and a personal loan payment each month. Our savings challenges for the new year will almost all be going towards eliminating the new car debt.
Wow! You guys are really chugging along! Only 2 consumer payments is a huge accomplishment!! Sometimes decisions like that are absolutely best for you. I likely would've done the same thing... the extra funds for the more reliable car were likely worth the stress saved in the long run of trying to fix the other one.
Having just started a budget, I watched a LOT of RUclips, but have landed on a hybrid like you mentioned. Makes a lot of sense! Finally, and found your process doable and not overwhelming. Thanks!
I am so glad that you felt it was easy to understand and not overwhelming. I get overwhelmed easily, so I try to break things down to a basic level. I appreciate you taking the time to comment! Thank you 💛
I like to use my credit card to pay for gas, groceries, Amazon purchases, and any coffee/eating out because I get cash back for doing so. Then I pay it off with the cash at the end of the month. I turn the cash back into gift cards for things I purchase regularly, and roll the cash for those purchases to get ahead in other sinking funds!
Great to have you back. Loved the video and digital concept. Thank you for sharing this with us. I am going to do this method. Can't wait for your next video for the savings challenges. Love all your creations. Xx
Hey Kerry! Thanks so much for the warm welcome back. I love hearing that you are going to give this method a try. I hope all is well with you and your savings. Thanks for being here. 💛
Hi there. First, you're not dumb. It can be a confusing process if you're new. But could you reword your question more specifically for me, and maybe I can help. 😊💛
Omg, I have watched SOOO many videos on cash stuffing to try & see if this will work for me & your way of doing this is the 1st one that I am actually able to follow & understand! I kinda live in the middle of nowhere so going to a bank for cash all the time would cost a bit more in gas. Thank you so, so much!!!!!
Hihi! This makes me so happy! Thank you so much for taking the time to comment and let me know 😊 I hope you will continue to find ways to save that work for you. Thank you again ❤️
love your videos April glad to see you back at it again. I do both cash and digital, my daughter is just starting out as a young adult and uses, digital, so we use play money and stuff play money in her category in her binder wallet
Hi Gina! Thanks so much for being here! I love that you and your daughter share the saving experience! I am going to use prop money for my savings challenges still. I think there's definitely a way for everyone to find a solution that works for them, and it's great to hear how you have both figured out ways that work for you. Thanks for watching!
Hey April, hopefully one day I will be able to have less transfers back to checking. I am going to try the reloadable debit card and see if I spend less. I budget bi-weekly, bills get paid but variable spending is variable even tracking everything. I have been doing more pick up groceries to stop the unnecessary items getting in the cart. I think the reloading debit from a separate account will be so helpful. Thank you for all your tips 🐝❤️🐝
Hi Angel! I hope all is well with you 💛 I started with the reloadable debit card, and with my groceries. For me, putting the budget max on there really helped me figure out where my money was going. And the main culprit for me.. was take out. I also find that planning the meals in advance and then taking in a list helped me avoid extra items sneaking into the cart. I tend to keep focused on the list and my head down when I do that. Groceries are just all around depressing right now.. I can't believe how much food is. We will all get through this 🐝❤️🐝
When I read the title of the video, I thought that you used spreadsheets to budget (that would be the digital part) but I guess I was wrong! hahahah I'm a very digital person, I work with IT, I do my budget on a spreadsheet, but I was, as you said, on a place where money was not a physical thing to me. I'm still budgeting on a computer, but I'm using the envelopes so that I can create this relationship with my money, especially when I'm spending! I think it is awesome that you know yourself so much, congrats on your journey!!!
Hi there! 👋 It's funny you mention the digital/electronic.. I sat here and thought about it and I was thinking technically.. I'd call the spreadsheets "electronic" (vs. paper). But I totally think either word is a true description of it. 😅 You can do what I'm doing on an annotation app and make it full "digital/electronic". Oh, I love me some budgeting spreadsheets! - I really like how they calculate a lot for you on the spot and can put up pie graphs and you can really dig into your finances and spending. Thank you so much for taking the time to comment and chat with me. I wish you all the best and success in your saving. Cheers to you! 💛
This would be ideal for Capital One 360 Checking (no fees for empty accounts, no overdraft allowed, only one debit card allowed, so transferring is required to access funds with the debit card, just like taking cash out of an envelope and into a wallet).
This Will Totally Work For Me!!! I Am Not Able To Get To The Bank All The Time 😊You Always Find Ways To Help, Thank You But This Will Really Work For Me As I Start This Journey 30,000 In Debt I Will Give My debt Free Testimony In Time 😊I Saw Yours And It Gave Me Hope!!! Thank You And God Bless You For All You Do!!! You Have Blessed Me Today!!! Have A Wonderful Day!!!😊💕
You are such an awesome lady! Thank you so much for your kind words.🌷You can kick that 30k! Just keep reminding yourself of that future you that is debt free. You got this!💖
Haha, I'm so glad you don't find it boring! I used to use placeholders. But recently, I wanted to try tracking with just the trackers and banking app. I will be using prop money for my savings challenges - it not only makes it more fun, but easier to track. But as far as my budget goes... I am enjoying not having binders, and envelopes, and all the side things. It's always an ever-evolving process for me. 😅 Thank you so much for watching!
I see these and I’m like. Wow mortgage $650 sounds so great. I’m paying 6800 a month on a 30 year plan. Sigh. I picked the wrong state lol Thanks for being so transparent :)
Hi there! Oh no! I don't want anyone to feel bad seeing my lower numbers. If you take into consideration, it's really all about the cost of living in your area/state. I bet you're bringing in more income every month, and are likely in a beautiful home and neighborhood. We purchased a mobile home and we aren't in the "healthiest" of economies where we live. But we take the good with the bad. Everyone's needs, values and outlooks are different. But, your home is your sanctuary. And whatever the cost of living and your earned wages, you should be proud and happy of what you've accomplished. Thank you for taking a moment to chat with me. I wish you all the best. ❤
Hi there 👋 I'm sorry, but I don't really have any kind of simple solution to this without knowing all the special things that make your finances unique to you. The best advice I can give you is to write everything down that's due every month. And then look at it week by week and pay what's due, then see what's left to start getting a feel for it. You basically just have to take that step and start, and it'll fall into place over time. 😊
My electric bill has doubled this year! It's crazy! And we aren't doing anything differently! As a matter of fact, we decided NOT to fill our pool this summer (it's a small one, but it still takes electricity to run the pump!)
My savings account is an offset account attached to the mortgage - so not only am I saving but the savings are reducing the interest on the mortgage and therefore the amount I need to pay each month.
Hi Amber! I loved watching your video - great information! I was wondering if you've ever been diagnosed with Raynaud’s Syndrome? I ask because I have it, and the color of your hands, especially your fingertips, reminded me of it. In my case, it affects more than just my fingertips. After years of dealing with it, my arthritis doctor finally diagnosed me, and I’m now on medication to help control it. There are different degrees of severity, and if you haven't heard of it, it's worth looking up. It often occurs alongside another immune disorder. I also have Rheumatoid Arthritis, which I’ve been able to manage successfully with my doctor’s help. Wishing you the best of luck!
Hi there! I really appreciate the time you took to tell me about this. I looked briefly and I do have some of the other symptoms. I will definitely bring it up at my next dr appt. Thank you again for being so kind to take a moment. I hope you are able to manage your other symptoms. Be well and thank you again!
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April, we are right there with you about the take out. Our Air fryers really help with making meals quick, easy and tasty.... chicken wings, fish, fries, etc..
Ohhh, I love the air fryer idea! Thank you so much!! That's a fantastic idea!
I love how you mention that you will go forward and back when it comes to debt. We had a car that we were making payments on and found out that we needed a new transmission, brakes and a few other "little" repairs for it. We did not have any kind of warranty on the car so all those repairs would be our expense. Unfortunately, they were more than the car was worth, and more than what we owed on the car. So we traded it in for a newer vehicle with slightly higher payments because we opted for a warranty. Hindsight says that yes, there were probably cheaper cars, etc we could have bought and so on, but now we have a car that is more reliable and we are starting over on our car payment debt... and for this particular instance, I'm ok with that since wenow only have a car payment and a personal loan payment each month. Our savings challenges for the new year will almost all be going towards eliminating the new car debt.
Wow! You guys are really chugging along! Only 2 consumer payments is a huge accomplishment!! Sometimes decisions like that are absolutely best for you. I likely would've done the same thing... the extra funds for the more reliable car were likely worth the stress saved in the long run of trying to fix the other one.
Having just started a budget, I watched a LOT of RUclips, but have landed on a hybrid like you mentioned. Makes a lot of sense! Finally, and found your process doable and not overwhelming. Thanks!
I am so glad that you felt it was easy to understand and not overwhelming. I get overwhelmed easily, so I try to break things down to a basic level. I appreciate you taking the time to comment! Thank you 💛
I like to use my credit card to pay for gas, groceries, Amazon purchases, and any coffee/eating out because I get cash back for doing so. Then I pay it off with the cash at the end of the month. I turn the cash back into gift cards for things I purchase regularly, and roll the cash for those purchases to get ahead in other sinking funds!
Very nice process 😊
Oh, that cat budget is so cute! Thank you for going over the way you do your digital cash savings and how to use the complete budget package!
I am an absolute crazy cat lady 🐈 lol! Thanks so much for watching and spending time with me! 💛
Love this video, I’ve been doing the cashless method for years. I seem to have more understanding and control of where my money is going.
I love hearing that! It's good to know it only gets better! Thank you for watching! 💛
Great to have you back. Loved the video and digital concept. Thank you for sharing this with us. I am going to do this method. Can't wait for your next video for the savings challenges. Love all your creations. Xx
Hey Kerry! Thanks so much for the warm welcome back. I love hearing that you are going to give this method a try. I hope all is well with you and your savings. Thanks for being here. 💛
@neighbeehood Aww thank you for replying to my message. Can't wait until your next video. Take care and best wishes x
Great video!!! Thanks for taking the time to explain in detail.
Glad you enjoyed it! Thanks for taking the time to comment. 😊
Thanks for the bank reloadable prepaid card tip
You are very welcome! Thanks for watching! 💛
I feel dumb but how do you do the savings envelope part??
Hi there. First, you're not dumb. It can be a confusing process if you're new. But could you reword your question more specifically for me, and maybe I can help. 😊💛
Omg, I have watched SOOO many videos on cash stuffing to try & see if this will work for me & your way of doing this is the 1st one that I am actually able to follow & understand! I kinda live in the middle of nowhere so going to a bank for cash all the time would cost a bit more in gas. Thank you so, so much!!!!!
Hihi! This makes me so happy! Thank you so much for taking the time to comment and let me know 😊 I hope you will continue to find ways to save that work for you. Thank you again ❤️
love your videos April glad to see you back at it again. I do both cash and digital, my daughter is just starting out as a young adult and uses, digital, so we use play money and stuff play money in her category in her binder wallet
Hi Gina! Thanks so much for being here! I love that you and your daughter share the saving experience! I am going to use prop money for my savings challenges still. I think there's definitely a way for everyone to find a solution that works for them, and it's great to hear how you have both figured out ways that work for you. Thanks for watching!
Hey April, hopefully one day I will be able to have less transfers back to checking. I am going to try the reloadable debit card and see if I spend less. I budget bi-weekly, bills get paid but variable spending is variable even tracking everything. I have been doing more pick up groceries to stop the unnecessary items getting in the cart. I think the reloading debit from a separate account will be so helpful. Thank you for all your tips
🐝❤️🐝
Hi Angel! I hope all is well with you 💛 I started with the reloadable debit card, and with my groceries. For me, putting the budget max on there really helped me figure out where my money was going. And the main culprit for me.. was take out. I also find that planning the meals in advance and then taking in a list helped me avoid extra items sneaking into the cart. I tend to keep focused on the list and my head down when I do that. Groceries are just all around depressing right now.. I can't believe how much food is. We will all get through this 🐝❤️🐝
Hello April! Thank you so much for share cash breakdown. Have a beautiful blessed day 🫶🏼🩷😻
Hey Lilly! Always good to see you! Thanks so much for watching!
When I read the title of the video, I thought that you used spreadsheets to budget (that would be the digital part) but I guess I was wrong! hahahah I'm a very digital person, I work with IT, I do my budget on a spreadsheet, but I was, as you said, on a place where money was not a physical thing to me. I'm still budgeting on a computer, but I'm using the envelopes so that I can create this relationship with my money, especially when I'm spending! I think it is awesome that you know yourself so much, congrats on your journey!!!
Hi there! 👋 It's funny you mention the digital/electronic.. I sat here and thought about it and I was thinking technically.. I'd call the spreadsheets "electronic" (vs. paper). But I totally think either word is a true description of it. 😅 You can do what I'm doing on an annotation app and make it full "digital/electronic".
Oh, I love me some budgeting spreadsheets! - I really like how they calculate a lot for you on the spot and can put up pie graphs and you can really dig into your finances and spending.
Thank you so much for taking the time to comment and chat with me. I wish you all the best and success in your saving. Cheers to you! 💛
@@rainydayapril Yes!! My spreadsheet does a lot of those calculations, it helps me to not make mistakes! Thank you for replying
So happy for you ! Congratulations! It’s wonderful to be debt free 🎉glenda
Thank you, Glenda ☺️ I appreciate the cheer 🥳
This would be ideal for Capital One 360 Checking (no fees for empty accounts, no overdraft allowed, only one debit card allowed, so transferring is required to access funds with the debit card, just like taking cash out of an envelope and into a wallet).
Yes. Same concept, different bank 😀
This Will Totally Work For Me!!! I Am Not Able To Get To The Bank All The Time 😊You Always Find Ways To Help, Thank You But This Will Really Work For Me As I Start This Journey 30,000 In Debt I Will Give My debt Free Testimony In Time 😊I Saw Yours And It Gave Me Hope!!! Thank You And God Bless You For All You Do!!! You Have Blessed Me Today!!! Have A Wonderful Day!!!😊💕
You are such an awesome lady! Thank you so much for your kind words.🌷You can kick that 30k! Just keep reminding yourself of that future you that is debt free. You got this!💖
Great video April! Thanks for sharing.
Thank you for taking the time to watch!
This is NEVER a boring subject! 😅 I really enjoyed seeing how you do cash stuffing digitally. Do you use placeholders in your binders?
Haha, I'm so glad you don't find it boring! I used to use placeholders. But recently, I wanted to try tracking with just the trackers and banking app. I will be using prop money for my savings challenges - it not only makes it more fun, but easier to track. But as far as my budget goes... I am enjoying not having binders, and envelopes, and all the side things. It's always an ever-evolving process for me. 😅 Thank you so much for watching!
Thank you for all of this information April ❤❤❤
I hope it was helpful! Thank you for watching! 💛
@@rainydayaprilvery helpful now I have a better understanding of how I can start saving better- Emergency, personal etc❤❤❤
Love the video 🎉❤
Thank you for watching and taking the time to comment!
Good to see you back!
Thank you so much! I hope all is well with you!💛
Very clear and organized
Thank you 😊
I always love spending time with you
There she is! Hello friend! I hope all is well with you! Been thinking about you lately! I hope you are doing well. 💛
Okay I LOVE this idea!! Can't spend more on the prepaid card! Vs when I slide my cc for food, I tend to buy more than cash or debit
Yes! You set your budget 😁
Thank you for this 💕
Thank you for hanging out with me 💛
Hi April, Great information.
Hihi! Thanks so much for watching and taking the time to comment!
I see these and I’m like. Wow mortgage $650 sounds so great. I’m paying 6800 a month on a 30 year plan. Sigh. I picked the wrong state lol
Thanks for being so transparent :)
Hi there! Oh no! I don't want anyone to feel bad seeing my lower numbers. If you take into consideration, it's really all about the cost of living in your area/state. I bet you're bringing in more income every month, and are likely in a beautiful home and neighborhood. We purchased a mobile home and we aren't in the "healthiest" of economies where we live. But we take the good with the bad.
Everyone's needs, values and outlooks are different. But, your home is your sanctuary. And whatever the cost of living and your earned wages, you should be proud and happy of what you've accomplished.
Thank you for taking a moment to chat with me. I wish you all the best. ❤
I also round my expenses up! It rather think I have less money than I actually do 😂
😆 exactly!
I’m new to budgeting and know some people do the paycheck budget. How do you recommend I budget when I’m paid monthly and my husband is biweekly?
Hi there 👋 I'm sorry, but I don't really have any kind of simple solution to this without knowing all the special things that make your finances unique to you. The best advice I can give you is to write everything down that's due every month. And then look at it week by week and pay what's due, then see what's left to start getting a feel for it. You basically just have to take that step and start, and it'll fall into place over time. 😊
I love this
Thank you ❤️
This is an awesome video. Thank you.
Glad you liked it! Thanks for watching 👀 🙂
Thanks for sharing
Thanks for watching!
Hi April
Nice to see you
Hi Denise! Always great to see you! I hope all is well!
My electric bill has doubled this year! It's crazy! And we aren't doing anything differently! As a matter of fact, we decided NOT to fill our pool this summer (it's a small one, but it still takes electricity to run the pump!)
My goodness ! Didn't even get to enjoy the pool 😔
My savings account is an offset account attached to the mortgage - so not only am I saving but the savings are reducing the interest on the mortgage and therefore the amount I need to pay each month.
Wow! I've never heard of that before. That is a really cool (and useful) concept!
Thank you!!!
Thank you for watching!
Hello April. yes my electric has gone up.
I hope it was just the summer heat.. and we'll all see a reduction as we cool down.
I use prop money to stuff my binders.
I will still use prop money for my savings challenges. I love prop money! I just get overwhelmed when I have a bunch of things to look after. 😅
lol, I wish my electric bill was $200, mine was $703 last month. And I am the light Natzy in the house.
My goodness! 🫣
I’m taking steps back and forward but I’m not giving up
You got this ! Just keep trying. ❤️
Hi Amber! I loved watching your video - great information! I was wondering if you've ever been diagnosed with Raynaud’s Syndrome? I ask because I have it, and the color of your hands, especially your fingertips, reminded me of it. In my case, it affects more than just my fingertips. After years of dealing with it, my arthritis doctor finally diagnosed me, and I’m now on medication to help control it. There are different degrees of severity, and if you haven't heard of it, it's worth looking up. It often occurs alongside another immune disorder. I also have Rheumatoid Arthritis, which I’ve been able to manage successfully with my doctor’s help. Wishing you the best of luck!
Hi there! I really appreciate the time you took to tell me about this. I looked briefly and I do have some of the other symptoms. I will definitely bring it up at my next dr appt. Thank you again for being so kind to take a moment. I hope you are able to manage your other symptoms. Be well and thank you again!
😊
🌷
Hello. New sub. TFS!
Welcome 🌞
Hi april! Karina here!
Hi Karina! How are you doing?
Lefty here too
*awkward lefty high five* 😂
❤❤
💛💛
I use my discover card for all my bills. Pull out cash when I get paid for my work lunches. When I get paid I pay off my discover every time.
That sounds like a really efficient method☺️
🤍
💛