🌸 MARCH 2021 | CASH ENVELOPE STUFFING | PAYCHECK 1 | Low Income
Vložit
- čas přidán 7. 09. 2024
- ❀ LINK TO MY SHOP ❀
bykarlamay.com/
❀ Amazon Storefront: www.amazon.com...
❀ Get $10 off your first Erin Condren Order: www.erincondre...
❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀
❀ BUDGETING SUPPLIES ❀
- Rilakkuma Wallet- CAN'T FIND LINK
- Pink Calculator- amzn.to/2WDEjg5
- Budget Planner- shrsl.com/30tzr
- Cash Tray- amzn.to/2V3Wo6c
- Budget Stickers- bykarlamay.com/
- Pink Cash Binder- amzn.to/2UtmCzq
- Zipper Poch Envelopes- amzn.to/3f1Muth
- BUDETING STICKERS, CASH BREAKDOWN CARDS, PIGGY LABELS, AND PIGGY LAMINATED TRACKERS ARE FROM MY SHOP-
❀ POPULAR LINKS ❀
- EC Planner- shrsl.com/30tzu
- EC Scrapnotebook- shrsl.com/30tzv
- Filming Tripod- amzn.to/3dGf57i
- Pink Filofax- amzn.to/2NRf0CY
- Baby Monitor (New)- amzn.to/3nwvs81
- Mama Necklace- www.analuisa.c...
- Pink Storage Bins: amzn.to/3s9JtvM
❀ SOCIAL MEDIA ACCOUNTS ❀
~Instagram: / bykarlamay
❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀
❀FAQ: ^~^
♡Editing Software: Movavi
♡Camera: Cannon G7x amzn.to/3bj80s4
!!DISCLAIMER!!
Links are affiliate links that gives me a commission when you purchase the item through my link
❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀❀
♡ for business inquiries: martinezkamy@gmail.com
#marchpaycheckone
#cashenvelopestuffing
#marchonecashenvelopestuffing
I love that you are so transparent 😊most people will say they have low income and then they'll be like that their budget is $1,300 for one week that's not low income 😂
RIGHT !!!! I'm like I cannot relate to this ! lol
I know right?! I see a lot of them lately >..< and I honestly would love to make that much a week 😭♥️
I see that a lot as well low income is like under 700 every 2 weeks not no 1500 a week
My dad makes 1000 a week but just mortgage is 1700 a month we're a family of six and only he works😂so yes it's low income for most. Plus all the other bills
It’s all relative to location, number of people supported by that income, etc.
when she said her husband’s medicine cost $350 my heart broke 😭 how can the us continue to charge its citizens so much for healthcare?
i had to pay close to $100 for a work physical the other day.. im underage AND the physical took no more than 18 minutes. its so frustrating
Had to pay $125 for meds recently and that was with medical insurance without it ,it would've been $700 smh
@@ariehorton396 apparently the insurance decides how much you need too?? i was talking to an american friend about it and he mentioned that it’s decided by the insurer and not the doctor??? its so so so horrible
@@haven9680 thats so gross im so sorry :(
its bc all "we" care about is making everything a business. Its one of the many of reasons my boyfriend is trying to get me out of here. Its a joke
Even if you’re not low income people should still watch this video to see how a low income family budgets.
You might assume that a family with an income of $20000/year can pays all their bills, and have money leftover. Not true. Americans are in debt.
I am wealthy, and have been stuffing envelopes for about 30 years. I refer to envelopes as my "no surprise budget". Example: need $700 for a root canal? No problem. I have $700 in my "medical" envelope.
Absolutely, I’m still a teen, so I’m not on my own yet. But this video was super interesting and I really enjoyed watching it.
Also if god forbid someone loses a lot of their income, it can help in that situation too! imma try and get my mom into doing this too, since they have more bills and another loan to pay now, so they have much less spending money than usual
We're together in this low income ride. I'm stressed out too, but at least we're trying! Keep going! Rooting for you :)
Yes!! 🙌🏻 I’m rooting for you and your finances as well Adriane ♥️
I do delivery. It pays pretty good. One thing I have thought about is if 2 people that have small children were able to do delivery together than the two could watch each others children as the other gets out to go in the restaurant and the delivery.
You do need to separate your money and your babies money. I know as a mum myself it’s so easy to just buy stuff for them and put yourself on the back burner. If you don’t want to use to much by all means only save £20 but it’s good to also spoil yourself, mums do so much for their kids.
Amen!
Honestly If you dont know what your going to school for, dont go untill you are ready.
I would keep working and saving money while my partner goes to school than when ready go to school.
Ita hard when both are going to school and not much income is coming in.
Good luck
I agree !! I have wasted so much money on school b/c I was unsure about what I wanted to major in so I would switch my degree so many times and now I have a good chunk of student loan debt.
Great information
Thank you so much and to everyone as well. I think I’ll see what’s best, or if I can find a pretty ok job without having to go to school and be in debt. I always appreciate your input Amanda ♥️
@@budgetinglifewithmonique4045 q
I agree, my husband went back after I finished. I worked 1, sometimes 2 part time jobs throughout to help pay for daycare. We were eligible for federal and state grants and it made the most sense to start at the community college to knock out the core classes then I used a program to transfer all the credits into a bachelors program. Graduated with a masters degree with just over $25,000 in loans which we are working on knocking out. Good luck and keep going!
Low income here! 🙋♀️ this makes me happy seeing a low income. Idk why but I feel more comfortable seeing that! I’m starting my budgeting journey as soon as I get my first paycheck :)
Thank you so much Kourttney 🥰 I feel so much better watching people with the same income as me. I know you’ll do well on your first budget ❤️ let me know if theres something I can help with ♥️
So nice to see another cash stuffer that has a low income. I can totally relate to you !!
Thank you Monique 🥰 just as long as we budget our money we got this ♥️
If a moped would really help you guys with your work I would honestly take all the money from the gifts and put it towards the moped. Thats just me though i dont like buying gifts i think a thoughtful card with a nice message or collage of photos or something else handmade is cheaper and more appreciated.
If this was my husband and I, we'd stop funding the Gifts envelope and put that toward getting rid of a CC debt. That's a lot of money for gifts that aren't for Christmas.
So sweet how you talk about Mia.
Honestly a low income family doesn't need a credit card. I am no way low, but I don't want to have any temptations to spend money I don't even own. Of course there are some benefits in owning the card, but if saving is goal - it's useless.
That's true. Was thinking just now when watching.
@@Sarrrita i understand that to some, eventhough they are low income, CC is a way to pivot through that dry seasons. just be smart to use it only for necessary things, but yeah temptation is the worst! i just received my CC that has a 13k limit. yeah... pretty sure gonna lower it since, again the temptation XD
Agreed! Gifts are not a necessity but paying off debt and investing in your health is! But your money your choice.
This randomly popped up on my recommended and I wanted to learn how to budget since I’m still a teen and I think you are doing great! But feel free to also add more ads to your videos. I’m sure that all of us will be more than happy to watch them so it will help a little more with your budget. Also I will continue to support your journey. You are doing a wonderful job! Keep up the great work!
Yes I agree separate your allowance. Lol I know it’s hard I have two little babies and I tend use my money on them 🥴.
I might when she turns one >..< I think she does take a lot of my funds 🤣
I truly respect how transparent you are and how hard you're working to better your lives. It's hard being low income with two people, I hope one day soon you'll both be making closer to an actual living wage, you deserve it just like anyone else.
As for school; wait till you know, you have TIME!!! There's no rush, you could be eighty and graduating girl. I believe in you and your family.
Low income or not you are an absolute inspiration 💯
Your amazing!!! I did just like you when I was working three jobs. Stuff those envelopes!! That’s how I put myself through school a second time, put $$ on a car, paid vet bills, and rented a one bedroom.
Your doing great!
I just wanted to say I’m proud of you, and with this mindset you have... you are going places. Keep up the great work ❤️
Thank you so much >..< I needed this positivity in my comments
If you enjoy this process…i highly recommend you look into accounting…u love money and budgeting it comes natural to u…u would be an asset to the accounting industry. Love this video.
She really is very organized, even color coding the amounts she added. Great recommendation!
I’m not low income but I spend WAYYY over my budget so I’m totally following this. Love your mindset and love the cuteness of everything!
Same. My husband makes pretty good money but we are both horrible about spending too much. The “it’s only $20!” Mindset has probably cost us about $50,000 at this point.
A hint that I would like to share is that some companies have “education” programs where they may pay a portion or entirety of a certificate or degree in that field. So, it might be worth it to look into the benefits of the companies you are applying to. A co-worker at an old job in the health field started as a Secretary and got part of her College Bachelors degree paid for by the company. Some industries to look at for that benefit would be healthcare or public health, finance, and early childcare/education and others.
Thank you so much!! I've been so discouraged by other cash stuffing and sinking funds videos because they are so much over my income and unrelatable. It was refreshing and encouraging to watch your video!
I love how transparent and honest you are! I also really love that you still have slots for things like anniversary and valentines because i think it’s so important to include YOU and your family fun
I love that you are so honest. So many people have say they have a low income but deposit 1K a wk, like uhm no. It is nice to see a true low income so i can budget like that as well
I loved this!! I love how transparent and honest you are ❤️
Thank you Emily 🥰
Yay! I love pink budget, but I don’t have that income so I’m super grateful for your video!!
Great video. If you have credit card debt sitting at a high interest rate you may want to consider putting all your paycheck onto the credit card except for the money you need for rent or other things you can't pay with a credit card. Then use the credit card to buy all of the things you need when you need them still following your budget. This way that cash is working for you paying down the amount of money that is accruing interest instead of sitting in an envelope waiting to be used.Still allocate to each envelope the amount you have for that item but just write it down in envelope but put the actual money on the credit card. Then only spend that amount. I know some people don't like to use credit cards but as long as you keep paying more money on it than what you spent last month you won't accrue new interest and you will pay the balance down faster. Just a suggestion. You are doing great as you are.
I feel you on the lower hours. Every time I feel like I’m doing well my hours drop again 😞 hope it picks up for you both soon!
I’m so glad I’m not the only one 😭 thank you 🥰 I hope it does for you as well so we can reach our financial goals ♥️
Watching vids like this from Australia really makes me literally sick in my stomach because you guys just can't even break even letalone get ahead with your garbage wages & lack of healthcare.
Australians pay $5.90 for most medications on our PBS Government subsidy scheme thru our universal healthcare, Medicare.
I just...wish you all could have our lifestyle. Fantastic minimum wage (high cost of living but at least we get paid adequately at the least), healthcare provided, & if you don't have a permanent job but work work casually the hourly rate is even higher to account for the holidays you're not getting paid for (4 weeks per year minimum here).
Yea I with you on this low income side and your budget sounds like mine as well so that helps. I’m super new to this and want to try it because I’m the worst at saving! But on the bright side when you start making money on CZcams things will be better for you and your family financially so there’s that 💖
As a woman in my 20's, I'm still learning how to do this whole cash envelope thing. I love watching videos to get insight on how others manage their money. I thing that this is a great thing for people of any age to learn for them to be responsible with their money. Even if you're not low income, I think that seeing how low income families manage can help us learn to manage our money in a case in which money may be short, such as in a recession.
Love this lil hobby. Glad to see realistic version! Many struggling. TFS
Don’t understand how much I appreciate this!
These are so relaxing!! My heart goes out to you because you deserve so much more! I love how positive your outlook on everything is and I hope you know how much you help others by posting these videos!!
Listen.... low to high! You will be prosperous. This makes me a proud woman. Anyway, thx for the tips! I think ppl believe budgets aren't needed for low or high income... teuth is everyone excepr Beyone and JayZ needs a budget.🤣 For real tho.... You'll be budgeting thousands of dollars soon enough. 🥰
Thank you for this. I literally cry because sometimes I feel like I’m not doing enough for my 2 kids but I’m trying. It gives me some relief that I’m not the only one with a low income who’s doing the best they can💕💕
Aww I’m sure you’re doing the best you can & just because this is your situation today doesn’t mean it’ll be forever 💕
I am trying to begin my budget journey as I try for an independent future away from home, but its hard cause I am single and have such a low income. And finding someone who is on the same level doing a budget and showing it is feasible is so helpful.
I’m full time but only rake in a take home of $624.10 every two weeks. Since taxes, insurance and retirement take outs pull a big chunk.
I am getting my ducks in a row for when I don’t have a car payment since its almost paid for so I can be financially and mentally prepared for having to handle everything on my own since I am hoping to finally leave the nest.
Thank you for being so transparent and open, it really does help.
I know this video was posted months ago but this video called out to me. I graduated last year with an associate degree in health science and couldnt get a job in my field, still applying and i currently work an at home job that pays weekly but with bills plus my mom having lost her job since she can no longer work due to a car accident- its hard and so i needed this video
Within the first minute of the video I could feel how genuine you are. I'm rooting for you!
Love the organization of the money envelopes! I got inspired. Thanks for the video.
I totally felt that citizenship savings, we saved money for that but as a DACA receptive we're going to wait if my husband gets a visa or green card now
Finally someone whos real on CZcams..You're so relatable...I love your video....Some people say they're low income earners and make 4000$ a month..Thats not low income.....i make 1500$ a month
that means so so much >..< thank you! I am working on increasing our monthly income hopefully
@@simplykamy ❤❤❤❤❤❤❤❤❤❤❤❤❤❤
Loved the video! I am also working on a low-income budget and one thing I would suggest - try to lower the food budget, that's one thing that sucks the most money out for everyone.
Bless you for being so honest. It’s hard to find help and ideas with a similar monthly wage as you when most “low income” videos are double or triple my biweekly wage. 💕
Here is a tip. If yoy are wanting to bring tour income up try your states department of corrections. Ive been doing it for years. Its nothing like you see on tv and they pay really well for glorified babysitting
Make sure the job you pick covers your schooling that is a huge help! I finish my masters degree in May and my job covered it through Ed assist!!
Fellow cash stuffer from Australia. I love your videos and the pastel colour theme. 😍
Ok, i've been binge watching these cash stuffing videos and now I decided I will try it for myself. Thanks for the inspiration!
Love this video your amazing. Nice to see someone do it that is actually low income! Our family struggles with hours right now too! This helps!
Its hard >..< but I know we can do this Leaha
I love the pastels you use! My favorite colors❤️ you gained a subscriber!
You got got another subscriber! I love that you’re not stuffing thousands of dollars and having a ton of money in the envelopes.
I love that you're low income bc I can relate to you. We can grow together. I also watch and love pinkxbudgets. I just bought some place holders myself
Thank you for your honesty! So many don’t tell what there monthly income is so it’s almost impossible to to flow your foot steps if I can’t compare mine to yours. I just got laid off and still haven’t received unemployment so I’m living off one income while actively searching for new work. Thanks for your help again 💖
I love this system but my boyfriend loves to have everything digital and that makes it a bit difficult. I´ve been really wanted to budget more because we keep spending money on things we don´t actually need (we just moved in together so I guess it's just the sense of freedom that makes us go wild, also.. covid.. you know) and I just want both of us to know what we are actually spending that much money on. I tried it digitally in the bank but it doesn't seem to be working as good!
My fiance and I both going back to school too! We are fortunate that we both have decent paying jobs, but I am planning on quitting so I can work and go to school part time so I am saving like crazy.
I appreciate you and this video . This is one of the realest low income budgeting videos i can relate to . God bless you and your beautiful family .😌🙏💕
Something you can study and quickly is phlebotomy or any other trade in a community college. Phlebotomy is one semester long.
My favorite thing about this budgeting system is it works for all our fluctuating income. Great video!
You got another subscriber!! I love your transparency. So much more relatable.
Thanks for subbing!
I watched all the ads I got for you! I hope things get better ❤️
I know this is an old video, but the glasses thing: Zennioptical , my bf get his from there it’s like $30 total. Frames & lenses & all. So if anyone else in the comments was looking too- there ya go!
Keep that positive attitude ♥ You are doing amazing. Sending much love to you and your family!
Thank you so much Cody ♥️ I really appreciate the positivity towards my videos and my family 🥰
Things might be tough right now, but with the kind of maturity and money management your showing, you will definitely achieve great things in the near future.
Thank you for making these low income cash stuffings. Sometimes it gets discouraging only seeing bigger income cash budgeting videos.
i love watching these vidoes. Its even better when they dont make much, because thats the reality of a lot of people, and you can relate to them alot. This was such a great video
You are the first youtuber I have watched the ads all the way through! Its hard for me I am impatient, lol, but you are very strong to be low income and manage to save all that money for various expenses. You are proof its not what you make but how you spend/save it!
I love your videos! Good luck on your budgeting journey, you and your family are doing great!
I just found this video and I positively love it. I really think this system is something my daughter could benefit from and I just ordered some supplies to get her started. This is this kind of information and instruction I think should be taught more in high schools. My kids can do Calculus but don't know how to balance a checkbook or create a financial plan and budget. Excellent video, please continue to make them. :-)
I love this! A lot of ppl can have more money but cannot budget so their money goes down the drain. I would consider myself low income since I make less than $40k a year but I am alone and suck at budgeting. I blew $600 on food/going out. I do spend more on food Bc I believe high quality food will lower my health expenses but I could be doing so much better. I love this method and will be trying it. I don’t envelope stuff but I do have 4 bank accounts that I will separate money with. Thank you for the inspiration.
So does everyone who budget like this, always pay in cash at the store. Because it kills me to see how much cash back you are missing out in by using a rewards credit card. This is why I wish there was some sort of app where you could do this virtually through your bank. Does anyone know of an app like so
You could deposit your savings. Use them to get the cash back. And then at home add up all the cash and deposit it back once a month. As pinkxbudgets does.
Love your set up! Pretty pink!!❤
I've been struggling to budget lately, so this video was very helpful and very calming.
Finally, someone who is on the same budget as me. THANK YOU
I need to start doing stuffing again! I’m low income, and I find it really hard to keep up with bills and having money in general :( but I love this video! Thanks for sharing 🌸🌸
Thank you for this video. Definitely subscribing! I love seeing low income. So many people would say low income and then do 1k+ lol. Thank you! Keep up the good work and being honest! ❤️
This is soooo helpful! I’m an incoming freshman in college and it’s so important for me to learn how to properly save and spend my money 😁
Thank you so much 🥰 I’m really glad it helped. And I agree ^...^ they need to start teaching valuable life lessons as early as high school like how to file your taxes or interview for your first job.
I love Jenny’s videos as well 🥺🥺
I love your videos! Your voice is so soothing.
Ahhh that’s so kind 😭🥰 thank you Coralive ^...^ your name is so pretty and unique
Super low budget here too! And I track and plan it using Excell for easy managing and not too much time consuming on making a budget planner in written type (because im lazy to do lol) but its nice too honestly for personal touches. But Excell spreedsheets works for me better :)
My mom can refer you guys to United Healthcare! It's 15+ and hour and its great benefits!
I'm 13 and have one of these! I've saved up in the high hunderes and don't know if I should try and save up while people are still buying stuff for me or save up myself as practice for the future so I have a good habit for it
Thanks for being so open . The video was great and would love to see more
Thank you so much Kiyonna 😭🥰♥️
I finally found someone who I relate to ☺️🥺
You're so sweet⚘God bless your family abundantly and may you flourish together always. Thank you for helping us all⚘
I love your stickers 😍😍😍
New subscriber here and I like the title most importantly "low income" which caught my attention :).
Yes I love pink budgetz 💖😍😍
She’s goals! And very soothing ♥️
I’d say try to find a higher paying job without a degree and work your way up. Branch out to other fields. My fiancé and I got into assembly fields and got training on the job for positions we like. We both went to college and regret that we did. Experience is what employers are looking for. If you still decide on school just be sure the field is what you want.
This was so nice to watch, I wish you the best on your journey!
I wanna do the 100 envelope challenge too! And I think you should separate your allowance and Mia’s allowance and if you dont use it you can save that later 💕Maybe use it as a motivation! Love your videos like alwayss!! ☀️
Its so much fun Constanza ♥️ and I think I might have to, maybe when she’s one? Thank you so much for being here 🥰
God bless you all, God loves you alll, and hope you all have an amazing day 💖
I don't know why, but this is so satisfying. I think it's so aesthetically pleasing and crisp. It's so great how you manage the low income; it's very admirable. I also don't know why, but it also makes my heart hurt. Kind of makes me realize how privileged I am for myself, but I do understand the low income ride as a college student. I just don't have as many responsibilities as you do
Definitely subscribing and would love to continue to see your weekly budgets!
I’m happy I found this channel because it’s just me
I’m ready struggling to budget my low income because I’m not actually earning enough to cover my expenses and have to have my parents pay my rent and groceries 😅 it’s cool to see you can do so much with so little for a whole family.
New Subscriber. You seem so nice and transparent. Im thinking of starting this sinking funds budget for my family. Thanks so much for your tips :)
Making sure I don't skip those ads, keep going!
It's so encouraging to see someone doing the best with what they have. Makes me feel like I'm not the only one haha. Thanks for sharing!
Hey!! I just found your channel. I am new to using cash envelopes, but I'm loving it so much. I bought the blue binder for my bills but I am going to buy a couple more as well for sinking funds. Excited to follow your journey. -Fellow Low Income Budgeter
Hey I am 25 and it’s just me and I still understand the low income ride but we all are making it happen. !!!
I like your videos, I am triying to start my cash envelopes..let see how it goes jiji
We make just under $2,000 every 2 weeks. I work 13 hours a week to pay for vacations/fun and the kids daycare, also go to college full time. I've never thought we were low income... (We are from a small town in OH so cost of living may differ from most and we paid off our home last March so that saves us $680 a month.)
I have changed to a flex job and I am stressed too. 😫
Thank you for this, I subscribed because you have a beautiful voice and soul and realistic, cant wait to start budgeting and watching your videos to help! love your transparency.