November 2022 Budget | Cash Envelope and Sinking Fund Stuffing | Paycheck 2 | 23 Year Old Budgeter
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- čas přidán 29. 11. 2022
- Thank you so much for watching. I hope you enjoyed the video. Make sure to comment, like, and subscribe!
**My Etsy Shop** www.etsy.com/shop/MariasBudge...
Moterm: moterm.com/collections/regula...
Envelopes: Made by me
Bills Envelopes: www.etsy.com/shop/BreezyBudge...
Calculator: www.amazon.com/gp/product/B08...
www.amazon.com/dp/B08HLWSPVC?...
Saving's Challenges: www.etsy.com/shop/SavvyBudget...
Pixie's Trackers: drive.google.com/drive/u/0/fo...
Cash Tray: www.amazon.com/dp/B09VGFCR3Y/...
Binder: www.amazon.com/gp/product/B07...
Keychain: www.etsy.com/shopTempestxoxoD...
Pouch: Iridescent Pencil Pouch Slim... www.amazon.com/dp/B08MD5KXWX?...
Grinch Envelope: www.etsy.com/listing/96026078...
Can you do a cash envelope/budgeting “tour”? I would really like to see a run through of you explaining what everything means (e.g., what the placeholders do, how you organize everything once you’ve spent money etc. 💵💵
Yes I'd like this as well!
Seconding this!!! They way you organize is so easy to understand!
I need this!
Agreed
yes plsss
I found your videos so randomly (or by the algorithm) and I can’t explain how excited it makes me to organize and budget. I could write a whole paragraph but the quick version is : thank you.
I'm proud of you for finishing the 100 envelope challenge, congratulations!!!
Yay! Etsy shop🎉 congrats Maria. You know we want to see the unstuffing of the box! 😅 I’m going to attempt the challenge again in 2023. 🤞🏾
started budgeting because of your videos and it’s so satisfying seeing the money add up!
This is an inspiring video and channel. You've encouraged me to take more care financially planning. Also, I love the way you wave at the beginning.
So glad you completed the 100 envelope challenge!! 💛
Congratulations on your accomplishment of finishing out your 100 envelope challenge! You go girl!
Awesome Sauce 🎉🎉🎉 on completing the 100 envelope challenge. I started following you when you weren’t even half way through. This is amazing
So proud for finishing the challenge💛
I need this system, I'm so guilty of spending money when I don't need too like getting makeup or a new squishmallow. This system would help keep me accountable for the money as I can actively see it.
Questions:
How do you ask for the money from the bank do you ask for certain amount of each bills?
And do you keep coins(think that would be a fun saving challenge)?
Do you have multiple bank accounts for the important funds like savings, emergency funds, school, etc...? Or is it all in one account? How do you keep track of it all???
Only asking as I'm very interested in getting into cash budgeting system and was never taught how to be financially responsible.
So proud of you💖I feel like I can relate to you more since we are closer in age😭Congrats on Etsy, so exciting 😍
I had stopped the challenge year before last I may need to try again. It's very intimidating with the amounts SO BIG CONGRATS to you for sticking it out an completing it!! Even if you dont get to goal for savings by the end of the year you are Definitely close!!!💖💖💖
I’m so happy for you Maria, that other video really did it’s thing and you definitely deserve it 💜 & congrats on finishing the 100 envelope
Hooray congratulations on completing your challenge 🥳🥳 Great video 🥰🌺🤙🏼💜
I love your christmas themed set up!!
Your videos have inspired me to start doing these videos! thank you for this amazing content!!
Hey girl love the video as always 🫶🏼 loving the new wallet and yay for the etsy shop♥️. Also congrats on the growth cuz I swear it jumped up tremendously lol love seeing that. And I so can’t wait for the 100 envelope unstuffing :) congrats on completing that challenge.
Congratulations finishing the 100 envelope challenge!!!🎉 Your wallet envelopes are beautiful ✨️💖
Congratulations on finishing your challenge 🎉
Yay! Congrats on finishing your 100 envelopes challenge!
congrats on completing your 100 envelope challenge! great stuffing maria ❤
I found all of your videos and I watched one and now I love your video do more you go girl
Thank you so much! 😊
Love your videos ❤ congrats to finishing you 100 envelopes challenge 🎉
Yay for some left over money! That is always exciting! ❤️🌸
Grata amount in savings! I’m trying to finish my 100 envelope challenge this year it’s been my hardest one lol. Congrats on finish yours! 💕
Congratulations on finishing the 100 envelope challenge
Congrats on completing the 100 E challenge!
💜Great job finishing your saving’s challenge💜It would be nice to see the unstuffing💜
Congrats on finishing the 100 envelope challenges!!!
Yes, I started Xmas shopping but still need more items 💗
Wow your videos are so inspiring
I love watching these videos because i wish i could do this. Lol I spend a lot and I save pretty good I know I can do better if I did something like this. I just can’t sit there and focus on it and do it myself. But I love seeing it be done!
I just can’t sit there and focus on it and do it myself.
Why not?
Some faq I keep seeing and can answer 💜
1) "What's misc?"
Miscellaneous (Misc) is a term used to say "anything extra" or "whatever's leftover" you can think of it as a "rainy day" savings jar. She answered what she uses it for personally under a comment below if you're interested in looking.
2) "How often/how much do you get paid?"
She said at the start that she gets paid bi weekly which is two paychecks per month. The amount I think fluctuates between 1.2k - 1.3k per paycheck. Meaning that her balance to work with every month is 2.4k - 2.6k
But I'm a new sub so I could be wrong with this assessment 😂
Your new binder is so adorable I actually bought one like yours after one of your videos wanted the lilac but they were sold out so I got the white one Still waiting Congratulations on your 100 envelope challenge that's amazing 👏
Where did you buy it! ❤️
Please please do an unboxing of the 100 envelope challenge! So proud of you! ❤
Weird thought but that candle looks like it smells good af
I’d love love lovveeee if you decided to add your stuffing envelope challenge to your Etsy shop!
Can you do a cash envelope/ budgeting tour ? I would really like to see a run through of you explaining what everything means (e.g. what the placeholders do, how you organize everything once youve spent money etc. 💵 💵
Hi, not going to lie I like your $5 from new car!!
yes make 100 box with the envelopes please and i like the savings challenge of it too have heart's envelope the one that you color make it that way and i buy it around the end of December of 2023
congrats on 100 envelopes
Yessss do the y stuffing for the box please and thanks
Great video 😁
You hit your 8000 savings!! If you include the envelope challenge ❤️
Take us through what each binder was created for
I really only enjoy your videos 🙈💵💛
Can you do a video about how you made the envelopes for your binder/wallet? I really would love to get one of those and start doing this!
OMG i have not started, I think I might not do a big christmas this year.... I know I am buying my spouse christmas gifts. I buy my family gifts all year round. Maybe secret santa this year lol
When is the best time in the month to START budgeting? Should you already have the next months bills taken care of to have enough time to save properly?
Do you have a video explaining your budgeting system? I'm curious and considering trying it!
I'm new to your videos and I'm wondering if you have a video describing each envelope and how you determined the amount you put in each?
Awesome cash stuffing video and congratulations on finishing that challenge 🫶🏽🎉…..oh yes that binder is lovely!! And congrats for opening up an Etsy shop!💐💗
Hi girl, so happy to see your Etsy shop is open. Could you please add just vinyl labels to your Etsy shop? I sometimes make my own envelopes, but have no way of labeling them.
I will work on that! I will let you know when I post the labels! ❤️
I love your videos
💕
What do you do for work? Also obsessed with youre vids ❤❤
Waiting on the 100 envelope box video ❤🎉
I already started Christmas shopping and it’s like I have to keep adding people to the list😫
Hi, I love your content and I was wondering if you could do one where you basically go through and tell where all of this money will go to and explain how you will use it❤
You might begin with a “where does my money go” spreadsheet. Plenty available online for free.
I’m new to your channel, I love what you do, I’m trying to start budgeting too. But personal question? What do you do? Like work wise?
What is the name of acrylic container that you put money on? I can't really find it
1.) Congrats on the 100 envelope challenge!
2.) Just curious, what are you going to school/college for?
3.) I need to do this and try to be more responsible with money because every time I get some I tell myself I am going to save it then I end up spending most of it if not all of it.
4.) Any advice or tips for saving motivation?
I'm curious how long did it take you to complete the hundred envelope challenge TimeWise
What do you use to hold your phone when recording?
Where can I buy the budget binder plus the planners
how do you know how many of each bills to withdraw from the bank?
She called me poor in 7450 words 😢btw all the best 😅🎉❤
yaa i liked my own commet
Since I don’t celebrate Christmas. That’ll save me more money.
Question - can u get loans using this method? Like buying a house or loaning a car? How does that work?
Once you complete the challenges, does the money go into savings?
What do you work in if you don’t mind me asking? Thank you for the video btw 😊❤️
Some people iron their bills to get them straight 🤫
hello!! how do you make your bills filler? do you still sell it?
What are car tags and what is the 500 place tag for
I have a question! Do you take the money out of the bank? Or do you just get paid in cash?
Do you have a tutorial or for beginners video
Where can I get the first wallet in India...?!
What are good bills?
what's a miscelinus?
I like to bi-curiously live through you and imagine what having parents is like… working hard on budgeting myself! 🤠
can we know where you got your wallet please
❤️❤️
Heyy I have a question , when you are budgeting in your cash binder wallet you just put what you feel you are going to spend ?
you just put what you feel you are going to spend ?
No. Stuffing is based on past spending. Thats what makes it a budget.
Hi! Where can I find you on socials for product collab? :)
What is car tags?
Since when have you been saving? 7k is crazy imo
💜💜💜💜💜
I see you don't really respond to comments, but maybe you will with this one. I just watched your channel for the first time last night. You may have already addressed this in one of your many videos. I love all the organization, budgeting and planning. But my question is, what is your method for physically paying all your bills with cash. Do you end up putting the cash in the bank and using a card? Like a mortgage, insurance, car payments and what not. I separate my money, but I do it in separate bank accounts. I like the idea of separating the cash out, but I pay all my bills online. What do you suggest for that part? I like the idea of breaking down the spending money even more, like you have done. Appreciate your time if you respond. Thank you!
But my question is, what is your method for physically paying all your bills with cash.
It does seem silly: get cash from bank, put cash in envelopes, take money out of envelopes, deposit cash in bank.
@@DavidEVogel I think no matter what, if you're paying your bills in cash, it is going to be more work on your end, as far as getting that money to the business, in whatever way you make it happen; going to bank, checks, money orders or what not. What seems to work best for me is to have several bank accounts and separate out most of my money that way, i.e. several different checking accounts, with their own debit cards, and at least 2 or 3 savings accounts. I pay all my bills online out of those accounts, including gas and groceries. I order groceries online and don't like going into the gas station. So I have an acct for gas/groceries that gets its alloted amount. And acct that our mortgage comes out of, my husband has his own acct and all the money is initially funneled into a main checking and immediately gets distributed into separate accts. You can have as many accts as you want. However, I am also trying to incorporate the envelope system at home with whatever amount of extra money we have that doesn't fall into those other categories, as a way to save some extra and try to not to frivolously spend those $1, $5, and so on, but give them more purpose. We'll see how that goes. I think any other way you go about it, it is going to be more work one way or another.
@@StaceeMassey I agree. The key to financial success is to live within your means, and live in dignity after retirement. Any road that you take will “be more work one way or another.” Financial freedom is work.
I have the same question, stuff cash envelops, then? Really use cash in gas station, grocery store？
@@yapiww4569 If your are accustomed to using debit and credit cards, your brain does not think in cash. Lots of places take cash: auto maintenance, doctors, grocery stores for example.
What do you mean with miscellaneous i don’t get it? I’m from Belgium so my english isn’t that good but i don’t get the categorie 😅
Miscellaneous means "everything else that I do NOT have a category designated." I dont like miscellaneous. $1000 spent on miscellaneous got you wha? Category is way too broad.
Will you be selling your laminated cash envelopes in your Etsy shop? ☺️
Yes I am! I will update you when they are posted! ☺️
Can we purchase the place holders on your website?
Yes, my Etsy link is in the description box 😊
👍🏽👍🏽👍🏽
Isn’t it “syncing funds” NOT “sinking funds” I’m very confused. Surely you know the difference, is it just a term?
I define "sinking funds" as unknown expenses: Vehicle maintenance. You don’t know when you will need $600 for new tires. Every month put $20 in your vehicle maintenance envelope. When you buy tires, your funds just "sunk."
God
Have you ever lost the wallet ? I wouldn't even dare to imagine the feeling if so. 😮
What do you include in “miscellaneous”?
Misc. can be for a tip, if I go over budget in another category and need a couple of dollars, if I buy something that costs me a couple of dollars like chips etc.
0:36
You had that lined out at the start of the video. You honestly hadn’t already counted it???
where do you live that is $250/month rent???
It’s $500 a month and she might split with someone else
This is paycheck 2 so it’s a split payment
She mentioned a couple videos before that she lives at her parents house. But still gives them some money, being Hispanic I get it, it’s very common in our community.
can you make a envelope can put money
I haven't the faintest idea what you just said in English.
What’s misc I’m British