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Пікірлер
@travelingchief95 6 күн бұрын
Get that interest from the HYSA🎉🎉🎉🎉🎉 I just finished my 100 envelope box challenge ❤🎉
@BoopnBudgets Ай бұрын
Hello Lovely 😊 Catching up on vids. Great job 👏 🎉 Have a great rest of the week
@keishaa5012 Ай бұрын
Thank you!! I’m in tears watching because this is so helpful. I feel so bad not having an emergency fund. It’s so hard living off of one income, but we are trying to do our best. Can you recommend a good HYSC?
@bethanyhall1524 Ай бұрын
This is a very helpful video on details of one month ahead. Thank you for all your thoughts and ideas.🌷
@bakingbudgets Ай бұрын
You are so welcome!!
@bethanyhall1524 Ай бұрын
If I understand correctly, Dave Ramsey suggests starting with $1,000 emergency fund to start, then pay off debt then start increasing that emergency fund.
@bakingbudgets Ай бұрын
Yes that is true ! I personally would go about it differently depending on how much debt I have to pay. I’m hoping to make a video soon on what I did when I had debt. Thank you for tuning in!
@robbynswiscoski3964 Ай бұрын
What are your trackers
@bakingbudgets Ай бұрын
I made them myself (: it includes date, money added / subtracted, and total
@robbynswiscoski3964 Ай бұрын
Why are you using fake money and where is the actual money
@bakingbudgets Ай бұрын
Hello ! I use prop money specifically for my bills so I don’t have to bring it back and forth to my bank from home. So the fake money shows how much I have in my bank account. And then I also use placeholder “bills” for the same reason, it represents how much money I have in the bank so it can grow in my high yield savings account while still utilizing the cash stuffing envelope method (: I use real money for my sinking funks and regular cash spending such as eating out , coffee and gas!
@silynthiabudgets18 Ай бұрын
Fantastic cash stuffing 💌
@bakingbudgets Ай бұрын
Thank you 🥰🥰
@cutetoo1301 Ай бұрын
Thank you! This was very helpful. 😊
@bakingbudgets Ай бұрын
You're so welcome!(:
@cleopatrapowell75 Ай бұрын
I like how you write the bills from smallest to largest and save for them that way. I will try that.
@bakingbudgets Ай бұрын
Thank you!! Please let me know how it goes for you (:
@yolandareese923 Ай бұрын
Great job!!❤❤
@bakingbudgets Ай бұрын
Thank you!!🩷
@deannawest-e3p Ай бұрын
Great video
@bakingbudgets Ай бұрын
Thank you!!
@SherryGooding-mx8pu Ай бұрын
How can I do this ➗️ dividing my social security check when I only get paid one time a month. I write my bills out and alot are automatically taken out of my bank account except for my rent, I pay that by check.
@Holly-ly9iw 2 ай бұрын
Hi, Absolutely love this video but question : Once half or full amount of expenses is saved up like you talked about at 14:54 mark. What do I do with it ? Just leave it in savings or use to help pay off the next bills , debt, etc?
@bakingbudgets Ай бұрын
Hi thank you so much! Personally, I like to leave it in an account in my bank where bills are withdrawn from. I don’t use it to pay off the next bills or debt, I leave it in my account to use if in an emergency we don’t have enough to pay our bills. Thank you for your question!
@Lifewithmrsvee 2 ай бұрын
I love your enthusiasm about budgeting ❤❤❤
@bakingbudgets Ай бұрын
Thank you🥹
@Lifewithmrsvee 2 ай бұрын
New supporter here from budgeting community to support you on your journey.
@bakingbudgets Ай бұрын
Thank you so much!!!!
@melissamanages8678 2 ай бұрын
Enjoyed watching, the cash envelope system has really helped us out so we don't overspend!💛🌻
@bakingbudgets 2 ай бұрын
Thank you & I feel the same way. Once you start it there’s really no going back! It’s so beneficial ☺️
@melissamanages8678 2 ай бұрын
New subscriber, I just found your channel! I'm in a budgeting rut, so I'm going to give this type of budgeting a try!💛🌻
@bakingbudgets 2 ай бұрын
Thank you so much for subscribing, let me know how it goes for you! Wishing you the best!❤️
@leeumsplayhouse5086 2 ай бұрын
I have a notebook where I keep track of bills. The top of the page is the month. Down the left is the due date, folllwed by the bill, amount due, payment confirmation number and date paid. Once paid I check it off. I also added them all up and divided by 2 them moved the due dates around so both halves are roughly even. First half bills get paid on the 5th, second half bill get paid on the 20th. Turn the page, copy all info minus confirmation and date paid, rinse and repeat.
@bakingbudgets 2 ай бұрын
Absolutely love this! I’m also a paper and pen kind of person. (:
@yolandareese923 2 ай бұрын
Great video!!
@bakingbudgets 2 ай бұрын
Thank you!!❤️
@yolandareese923 2 ай бұрын
Great video!!
@bakingbudgets 2 ай бұрын
Thank you!!
@MrsVeryGoodKardz 2 ай бұрын
New Subbie 🎉 what a smart method! It’s so satisfying to check off one category! Thank you for the simple tip ❤
@bakingbudgets 2 ай бұрын
Thank you so much for subscribing!! You’re absolutely welcome let me know how it goes for you ❤️❤️❤️
@BudgetsWithELMA 2 ай бұрын
Thanks for sharing this, your channel is truly inspiring!
@bakingbudgets 2 ай бұрын
You are so welcome! Thank you so much, that is the best compliment to me, it means so much ❤️
@vanygould 2 ай бұрын
😃🤣💰☀️
@OverthinkingandBudgeting1 2 ай бұрын
Hello! Just subscribed to your channel, great video! 🤩🤩
@bakingbudgets 2 ай бұрын
Thank you so much!!!!
@dee-clutteringqueen5881 2 ай бұрын
I love this idea. Starting immediately
@bakingbudgets 2 ай бұрын
Thank you so much!! Let me know how it goes for you, wishing you the best
@vamosahacerloorganizaciony345 2 ай бұрын
Are you including council taxes like waste collection or stuff like that? I like this way so you know what's left for groceries or eating out, etc, but there are some expenses thst are not reflected here, or at least for where i live
@bakingbudgets 2 ай бұрын
Our waste collection is included in our rent, and since we are renting we don’t have council taxes ! But I absolutely agree, if I had those I would definitely put it in my month ahead savings as well (:
@pwyman5540 2 ай бұрын
Thank you so much.
@bakingbudgets 2 ай бұрын
You're welcome!!
@barbarahatfield8027 2 ай бұрын
Where is your spend money 😊
@bakingbudgets 2 ай бұрын
My spend money is part of the $500 for two weeks! Or whatever I make from my small business. But recently we haven’t really been budgeting for spending money because we’ve been trying to save more money (:
@MsTizzle7 2 ай бұрын
I love this idea and plan on starting this week!! Do you have any suggestions regarding budgeting for groceries? I am having the hardest time figuring this out for a 2 person household. I feel like I'm making it harder than it needs to be. Thanks in advance!
@bakingbudgets 2 ай бұрын
I love that for you!! Let me know how it goes (: when it comes to budgeting for groceries sometimes it can be hard, even after many years and trips to the stores because of prices being out of our control etc. but the one thing I have always done is meal plan everything. I know exactly what meals I’ll be cooking for the next 1-2 weeks so I know exactly what ingredients we need to buy. That has helped us tremendously over the years to not over but or over spend!
@ElaineBennettEmbraceYou 2 ай бұрын
This is a great idea and so simple. You could also actually pay next month's bills ahead as well rather than putting the money aside.
@bakingbudgets 2 ай бұрын
Thank you! Absolutely, I've definitely done that in the past as well (:
@ChristinaMichelle0413 2 ай бұрын
Just a note- month ahead could also include groceries and gas 😊
@bakingbudgets 2 ай бұрын
absolutely I agree! thank you for stopping by (:
@thebudgetevolution 2 ай бұрын
Hi 👋 great video 😊
@bakingbudgets 2 ай бұрын
thank you so much!!
@Kristenmacc 2 ай бұрын
I’d like to cash stuff but tons of places where I live don’t take cash anymore, especially the self checkouts. So the fake money seems helpful. I noticed in your last video you didn’t budget for household items like paper towels, cleaning supplies and personal care. What categories do those fall under for you? Also what about fun money or clothes? Or things for your home like towels, sheets?
@bakingbudgets 2 ай бұрын
Hey, I completely understand. Even where I live there are a ton of places that do not accept cash either, so for that we leave money on our debit cards to swipe it when we have to. Or even using a credit card as long as you are able to pay it back right away. For us we shop at costco, so buying household items like paper towels, tissue, etc, comes up for us only a few times a year. So when it does I usually include it in our grocery bill. So when I budget the $500 to last our family two weeks, I essentially try to aim for $250-$300 on groceries, but if we do need to pick up a household item, fun money, or even clothes, then it comes out of that $500 allocated and then it would mean we have less money for those two weeks to spend on eating out. And usually it works out totally fine for us! Unless we know we have a larger expense such as shoes or perhaps outer wear jackets, I will budget more. I hope that makes sense. let me know if there's anything else I can clarify, thank you for asking! (:
@Kristenmacc 2 ай бұрын
@@bakingbudgetsthank you so so much for answering! That’s helpful. I think I will try the prop money. I just need to get a little binder wallet like you have. I love your videos!
@Kristenmacc 2 ай бұрын
@@bakingbudgetsI wish I could just spend $300 on groceries for two weeks. I spend about $600 for the two weeks. We are a family of five. I try to buy in bulk and even shop at Aldi. It’s just so expensive.
@bethanyhall1524 2 ай бұрын
I've noticed in the community, a lot of people have an emergency fund, savings, and one month ahead. Do you have all 3 or is your month ahead your emergency?
@bakingbudgets 2 ай бұрын
I love this question, thank you for asking! I have a month ahead for one month of expenses, an emergency fund of 12 months of expenses, and any money after we consider our savings. But really any money saved is savings (:
@tamikajones6970 2 ай бұрын
Thank you for breaking it down like this. Lisa Grateful Me does the snowball method to fund each bill which I think is a cool idea. I am going to write out all of my bills and start working towards being a month ahead when I have money leftover in my budget or I get extra money.
@bakingbudgets 2 ай бұрын
my pleasure, thank you so much for watching! I love that for you, please let me know how it goes & wishing you the best!
@tamikajones6970 2 ай бұрын
You are welcome and thank you so much. 😊 I will let you know how it goes.
@thriftywifehappylife7385 2 ай бұрын
What kind of notebook is that?
@bakingbudgets 2 ай бұрын
It is a college rule size, I got it from daiso (:
@velousenoel8257 2 ай бұрын
Thank you so much ❤for sharing your experience . I’m going to try again because I tired of being broke living paycheck to paycheck god bless you and your family
@bakingbudgets 2 ай бұрын
thank you so much, your comment warms my heart. Absolutely, try again I know you can do it. I can't even count how many times we had to restart our savings journey. Wishing you the best.
@cyndicatbudgets 2 ай бұрын
Great video!! I really need to start this and l will!! Thanks for sharing ❤❤
@bakingbudgets 2 ай бұрын
You are so welcome! Thank you so much, wishing you the best!
@perpers 2 ай бұрын
❤
@esmeraldagems9487 2 ай бұрын
Honestly for me, paying $15 a month on youtube premium is plenty enough for my entertainment. All for ad free music and free blockbuster movies throughout the year and free video downloads for any type of video. And ad free with youtube music. And unlimited listening and free downloads. 😅
@bakingbudgets 2 ай бұрын
Love that for you!!
@mrsmitny 2 ай бұрын
Enjoyed the video, new sub, I think I would mess up if I used prop money and not real money lol
@bakingbudgets 2 ай бұрын
Thank you & thank you for subscribing!☺️ haha I think I would do too if I mixed the money together, but I’m usually safe since I have one binder of real money and one binder of fake money haha
@pamalajuenger1562 2 ай бұрын
I like your style ❤
@bakingbudgets 2 ай бұрын
Thank you ☺️
@robyn_southafrica 2 ай бұрын
You're an amazing role-model for your sister, that's why she could do what she did.. congratulations to her!!🎉 New subscriber here, came across your channel earlier and I love your videos!! 😃🤍
@bakingbudgets 2 ай бұрын
Wow you literally made my whole day! Thank you so much for this heartfelt compliment, it means so much to me🥹🩷 thank you for stopping by & subscribing ❤️
@deborahjanik1116 2 ай бұрын
Great video thank you
@bakingbudgets 2 ай бұрын
You’re welcome thank you for stopping by☺️
@madamkiwi1094 2 ай бұрын
Good system, I have a monthly and a yearly account that I put mine into, your total expenses is what we pay for rent a month and more
@bakingbudgets 2 ай бұрын
Thank you I appreciate it! and I think that is a great idea. Oh really? What state do you live in? Wishing you the best
@chrisromano4584 2 ай бұрын
New here , thank you
@bakingbudgets 2 ай бұрын
welcome!! thank you for stopping by (:
@cbamomsaves 2 ай бұрын
Hey hey New here
@bakingbudgets 2 ай бұрын
hey hey!! thank you so much for stopping by (:
@RosaMaria-pb9bg 2 ай бұрын
What changed my budgetting was opening a savings account, an investment account and an everyday expense account. Don't keep all your money in one account.
@bakingbudgets 2 ай бұрын
Absolutely! I agree, we do the same! (:
@deborahjanik1116 2 ай бұрын
@@RosaMaria-pb9bg also I might add not to have all accounts at One bank just one account because I have three accounts at One credit Union where money can be moved from one to another, bad idea!! I'm going to be getting a different savings account at a totally different bank because being able to move money from one account to another. The emergency fund is just too dangerous, too accessible that way🤪
@RosaMaria-pb9bg 2 ай бұрын
@@deborahjanik1116 I have two banks. One is an online zero fees bank (it safe, state insured)and I use it for my sinking funds(dentist, gifts, holidays) because it has this option to open different sinking funds. I also use it for small things like coffee , my Kindle unlimited subscription. I use only this card usually because I have a set amount of money on it, so I can't impulse spend . For groceries I use only cash, I go to the supermarket only with cash so I can't go over budget.
@JustOnePageAway 2 ай бұрын
Great video. New subbie. Can you drop the link to your prop money please?
@bakingbudgets 2 ай бұрын
Thank you so much!! And I’m sorry I’m not able to link stuff directly. But I got them from Amazon, just type in “prop money” and there are a ton to choose from. I got mine like 3 years ago so there are even better looking ones now! It shouldn’t be more than $10. Thank you for stopping by!☺️