HOW I BUDGET DURING A PANDEMIC | explaining "storm mode"
Vložit
- čas přidán 9. 07. 2024
- Hi everyone! It's been FOREVER since I've uploaded a video but as I'm sure you can all agree, life has been a little crazy lately! I've moved houses to be with TJ during this time so I don't have to keep taking his germs home every day (he's an "essential employee" so he is still going out into the world) and my filming setup isn't at this house. But I'm making due! And of course I'm not going to the bank currently. I hope you all are doing well and I hope you enjoy this slightly different budgeting video! ❤️ Stay safe!
_____________________________________________________
FOLLOW ME
Vlog Channel: / @alyssaherbertvlogs2609
Instagram: / alyssanicolebudgets
Etsy Shop: www.etsy.com/shop/alyssanicol...
_____________________________________________________
GET IN TOUCH
For business inquiries or personal questions, please email: alyssanicolebudgets@gmail.com
_____________________________________________________
SOME COMMON PRODUCT QUESTIONS:
The following are Amazon Affiliate links and purchasing through these links does not cost you any additional money, but does support this channel. I am not sponsored by any of the companies listed below.
MY MAIN CAMERA -- Canon 77d: amzn.to/2LPdFdg
MY VLOGGING CAMERA -- Canon G7X Mark II amzn.to/2xv5ASC
MAIN LENS -- Canon 24mm: amzn.to/2O1ZcIt
LAMINATOR -- Cash Envelopes: amzn.to/2M3TbO6
LAMINATING SHEETS -- Cash Envelopes: amzn.to/2OJpG2y
MY SAFE -- Sentry Safe: amzn.to/2BWInNJ
MY WALLET -- I use a discontinued Kate Spade planner as a wallet that I found at an outlet store, but sadly they are not made anymore! Below is a similar wallet that I used to use.
Filofax Saffiano: amzn.to/2DoTKhx
_____________________________________________________
budgeting #emergencyfund
" I dont need any new clothes" i wish i can be as strong as you 😅
LOL I bought a pair of sweat pants the other day...but other than that I need NOTHING because I go NO WHERE 😭 It hurts me
I am in "storm mode" as well and saving as much as I can from each paycheck. I started a month ahead fund and I am putting money into that fund from each paycheck to cover my bills in June. Stay safe and take care.
I'm glad to hear your are doing okay despite everything happening!!! I always look forward to your budgeting videos!
This is such a hard time right now, were on step 6 with only my husband's income but everything is on hold until this is all over. Such a crazy thing but we will all get through it.❤
Yes we will! Best of luck ❤️
Really needed this At this time, thank you so much, your channel inspired me to finally go head with mine so thanx
Loved this❤️
YES YES YES - YNAB is incredible!! Coming to the end of my 34 day trial and there honestly wasn't that big of a learning curve for me because my "budget brain" already aligns with the concept of YNAB (which I think yours might too). Or it could be because I immediately started out watching Nick True's CZcams videos and he explains everything so wonderfully. I highly recommend checking him out!! In YNAB, the goals and savings tracking is one of my favorite things. Also the fact that it has a feature for reconciling your bank register so you can actually TRUST the numbers in your budget! I can't say enough good things about it. It's totally worth it.
I love YNAB because I live so far from my credit union (and refuse to give my money to banks in fees) that I don't have access to a "free" ATM to get cash. It literally works the same as cash envelope budgeting, as long as you work the system. Sinking funds and everything can be there!
You are so sweet. Love your videos! Did not know about storm mode so thank you for that!!!!!
You are so welcome!
Super helpful video 👍❤😊
Unfortunately, I can't stop a certain debt during this pandemic. I allowed it to get to the point of wage garnishment, so it must be paid in May. Once done though, everything else will be fine.
Glad you're back!
Thank you thank you! ❤️
I LOVE, LOVE, LOVE YNAB!
Just found your videos again ... for some reason I wasn't seeing your new vid alerts
Omg!!! I have been thinking about you! Where have you been! So glad you're back!
You're so sweet 😭 I've just been trying to get a filming setup at TJ's house and with all of the craziness going on I've been SUPER overwhelmed, as everyone has been I'm sure. But I have some videos planned that I'm excited to get up for you guys!
Alyssa Herbert I totally understand! Take your time! Please stay safe. I am essential in the hospital and it's scary every where. Great to see you online again ❤️. Prayers for you and your family.
I’m so happy to see a video😭 i deleted Instagram so I couldn’t keep up w what you’re doing. 😭
So sorry it's been so long ❤️ But I'm doing well and I hope you all are too!
Hi! Do you have a video on how you made your envelopes? They're so cute!
I use YNAB and I love it! I do have sinking funds that I track in YNAB.
Not going to ther bank every other week to pull out money has been a change but I'm glad I use every dollar from Dave Ramsey. Then I know how much money I have for each category as long as I get receipts.
I use YNAB and love it. It’s basically a digital envelope system
Thank you for this I definitely had to pause my debt snowball
Totally understandable ♥️
missed your videos 💗 your budget looks great! $616 saved is awesome 🙂 also, i sometimes use capitalone360 for my digital envelopes, and it works great -- just make sure to open up a checkings instead of a savings if you plan to withdraw over six times a month bc they charge fees.
Thank you thank you!
My mom uses YNAB and she loves it!
If you have a switch you should definitely get into animal crossing! It’s sooo fun
Oh my gosh TJ and I have been playing it! We have such a blast 😍
YNAB is great! There’s just a little of a learning curve, and they give students a free year after the free trial!
Question about normal budgeting: I use Mint to track my spending and my partner and I split utility bills 50/50. The bills are in my name, so he gives me cash and I pay them online. What is the easiest way to budget for this? I pay half, but it shows on my account I paid the whole amount (which I technically do) and I have these weird deposits. I get confused when I look at my online account and I’m probably making it harder than it needs to be.
Is there any other non-bill spending that you can use cash for? Like groceries and whatnot? That way what you can do is however much cash he gives you, you can assign it to non-automatic bills. For example, lets say he gives you $500 a month for bills. Your total non-bill spending (and you can even include savings as well) is more than $500. That way, the money in your account, even though its technically from YOUR income and assigned to your other spending, you can replace it in your head and assign it as HIS part of utilities. That way, you can use the cash to make purchases or deposit it to your bank whenever youd like for savings/online purchases/sinking funds. Theres no automatic date set to that type of spending so you can put the cash in your bank whenever with no weirdness to your account.
Are you still doing WGU? I started WGU because of one of your videos & I love the school so far. I’d love an update if you’re still doing it 😊
Thank god for the stimulus check that came in because I put that towards my debt. I’m an essential employee (thank god) so I’m still paying my car debt off. I’m also saving at the same time as well. I also canceled a trip this year (I shouldn’t have been going anyway) I came to my senses and decided to cancel it and use all the money I saved for it towards my budget, so I’m set lmao.
Also, may I ask what you do for a living? I'd like to apply for some part time work from home income.
If I remember right, she works for an insurance company. But don’t quote me.
Sheyenne is right, I work for a small private insurance company and almost all of the employees work remotely
Awesome! I'm sure they're not hiring right? I am a licensed Social Worker working as a Case Manager in a hospital now. Just looking for part time
I was going to finish one of my debts but now I am second guessing... But if I dont pay this debt, I will probably use the saved amount for other necessities. I was thinking, okay this amount of money is specifically saved for my credit cart and I can finally close it! Now I don't know what to do :(
Thank you for teaching the method tho, hope you're having a good day!
Hi there! I think it all depends on the stability of your income to be honest. If your job is not looking great amidst the craziness I'd say save, but if you're thinking things will be stable for you I'd say pay off your debt at your own discretion! If I still had debt I'd be tempted to still pay on it too.
@@alyssamakesamigurumi Ok İ need to think about it a little more thanks for the advice!!
Call your car insurance company they are reducing ppls car insurance price right now bc of the pandemic
I'm not sure if mine will change because I always have mine as me working from home and therefore doing very little driving. But we can try!
Alyssa Herbert Oh okay that make sense! Hope you stay safe with everything that is going on! Keep doing the amazing work!
most are giving back 20% !