Beginner's Guide To Budgeting | Step By Step Tutorial! 2025 Setup For You!

[@wendyroberts7212]

I am 57 years old and a financial disaster I am committed to learning how to budget I never have, my parents never did. My husband wants to retire in two years I want to create a new relationship with money. Hopefully teach my granddaughter about budgeting. She's 13 so she thinks I have a never ending bank account. This will be great. I'm excited and very motivated

[@2SisterBees]

I love hearing this. It’s never too late to get finances on track. You’ll feel so much better. 💛 Stick with us!

[@jclyntoledo]

Wow you're daughter is lucky bc when I was 13, I was fully aware of how poor my parents were and they did not educate me on finances. She will definitely be so happy when she's 18 and she realizes you taught her something not every child learns from their parents.

[@getittogetherwithDee]

I am about to get myself and my 14yr old son on board as well. I was never thought these things and have been struggling over the years. Now 41 and I don't want to continue like this. I don't want my children to not know how to manage money properly. We are doing this!

[@elizabethwelch4307]

I'm early 60's and need to start a budget since COvid and inflation has ruined me financially.

[@thesimplemoneyshow]

good for you for taking the Step to better yourself and make a positive change in your life.

[@ilovegreen0150]

Inflation is crazy, meal planning is required ❤️

[@2SisterBees]

It really is… 2 meals out can be a week of groceries! It’s crazy out there! 😅

[@angelasandoval1236]

Help me i need to start but don't know how

[@2SisterBees]

I would watch this video : kzbin.info/www/bejne/pHTXmHtjgZ2MsLcsi=rAc1vfg6w4lmsiXS

[@midnandlinkforever]

Thank you so much for this video. I grew up extremely poor, so I've always been afraid to spend money. I've never really had the problem of overspending, but I HAVE had the problem of refusing to buy necessities like clothes, skipping meals, etc. It's embarrassing to go to work with stained, patched up clothes and holes in my shoes, but the (almost irrational) thought of being on the streets is worse than the embarrassment of 'looking poor'. Following this guide has made me realize that I have more wiggle room to spend on these necessities than I thought. Thank you so much. 💝

[@2SisterBees]

Hello and first I want to say thank you for sharing your story with all of us. I can see what you mean about how the way you grew up has steered you into the direction of being afraid to spend. I am so glad to hear that running your own numbers has shown you that you are able to let go a little and still be okay. What a great feeling that must have been. I hope to see you here on YT more often. Would love to hear how things are going for you. 💛🐝

[@prepperboss]

@@midnandlinkforever and you lived to tell about it. 👏👏👏👏

[@Trinity-k3b]

SAME

[@lolad407]

I love paperless. I get text notifications, not emails. I log into my account ( it takes less than 1 minute) pull up my bill and screenshot each page. If it is as usual I will delete the screenshot right after I put it in my budget calendar. If I feel I need to, I will save it to compare to the next months. Thank you for the video!

[@shacurriaaa]

This is THE BEST beginner’s guide for budgeting that I’ve been able to find on YT. Thank you!!! I am going to definitely follow these steps and watch the other videos as well.

[@2SisterBees]

I’m so glad to hear that! Glad to have you! 💛🐝

[@judithprice215]

So well done..and....totally agree with you about not going paperless for bills. I have to see them and touch them. I totally AGREE it is to save them money....especially if you have a question it is so hard to try and talk to a person to get something resolved.

[@2SisterBees]

Yes, ma’am! They try to always have a reason we should xyz…. But who is it REALLY for?? We’re on to them, Judith! 🤣💛🙌

[@sarahschreffler5407]

Honestly. Paperless works for me. I lose paper. Sometimes it does not even get brought in. It certainly was NOT being opened and looked at. Being able to find it in my email and then adjust my bill-pay to pay it works alongside a calendar of when bills are due. And when I go to pay it, I would see it was way more expensive than budgetted and I'd go and look at the details at that point. The bills I have problems with to this day are things like Toll bills and medical that are NOT part of my process but I get a paper bill I need to keep track of. Even at tax time I appreciate how many places I can go and print out the tax forms instead of catching them in the mail.

[@2SisterBees]

Yes- those are all good points, too. We all definitely “see” things differently and have to do what’s best for how we see. I am glad you shared how you do it for those that just can’t do the paper way. 🙌

[@Naomi-yq1sk]

Love this help but 10/10 recommend getting reusable bags, I have some cute (some plain) reusable bags that I use every time I go to the store and that saves so much plastic, man. I also watch what I buy and it's packaging bc if I can get 1 small bag of popcorn kernels to pop myself, I choose that over the 5 pack plastic wrapped microwaveable bags. So simple but feels so much better, just bc the plastic issue can't be solved overnight doesn't justify going directly with that toxic, lazy flow. Thank you for your help ❤

[@cj._love_under_the_sun]

Just to say, I'm 1:35 in and you've already got my attention and I'm feeling motivated :)

[@DoctorMcFarlandStudios]

I’ve used Google Sheets this last year to keep up with what I spend. Tonight I wrote it all down which is fine but I like how Sheets can add up all my rows and columns for me and keeps it all color coded and organized. I do want to start a NO SPEND MONTH and see how well I do.

[@moirahamrick]

I started getting into budgeting last year and lost track of it due to many moves and life changes and I’m finally ready to get back into it. Thank you so much for putting this in terms I can follow and understand. I even used the cash envelope system before, too, and plan on doing it again since I did so well with it before. Thank you again! I can’t wait to get on top of things again

[@2SisterBees]

This is great news! Don’t stop budgeting ! When things go wrong, that’s when you really lean into it. I have another budgeting video scheduled for today at noon EST that may be helpful for you! 💛

[@bethbeckwith7928]

The video was easy to understand and to follow. Thank you.

[@KristineD86]

Loved this. Thank you. Do you have a video explaining the month ahead in depth and how it works from start to finish? I get the concept of getting 1 month of bills saved, but not sure how it gets used and you stay ahead...or is it just like an emergency savings type thing...I'm sure it's simple to understand, but for some reason just can't quite figure it out. Sorry if it's already been explained and I missed it! Thanks again for these videos, they are so helpful.

[@2SisterBees]

I don’t BUT I will have to make one now! I’m sure you aren’t alone in wondering how this works! Great question! 🙌💛

[@quanisha92]

I would like to figure this out as well 😊

[@ayesarodriguez7652]

@@2SisterBeesYes!!! Please I would like to learn as well ❤

[@cindyfischbach4675]

@@2SisterBeesI would like to know how to break the expenses down to be saved per check when you don’t normally do it.

[@msdomo64]

“Stewarding” just adding to the list. I loveeeee that list, it really just shifted my perspective!!!

[@2SisterBees]

I’m so glad!! That’s really what it is! 💛

[@selbarton]

My paperless bills on one is to reduce the bill, and the others I have text and email. That works for me because I use my texts and an email folder to fill in my planner with the info sent there and photos for papers I don't want to miss. It means I don't lose the cards/statements and can update my planner without needing that physical folder.

[@rosynieto6532]

hi thank you the infornation is great but my question is how do I get a month ahead and pay my current bills? thank you

[@prakritimahajan88]

I just found your video. I need to say this. You made maling a budget look easy. You are a Godsend. Thank you for the free sheet.

[@2SisterBees]

That is so good to hear! Keep us posted on how you are doing! 🐝

[@mariahgamesyt]

what if you get paid every Wednesday and have bills that fall before or after then? I definitely want to try the whole dividing everything by 4 and such I'm just trying to figure out a plan that'll work with doing that!

[@ffiontitmuss2235]

that’s a great question! I use the “spending last month’s pay” idea to manage it personally - so I got to a place where I had saved approximately one month’s pay, and then in every following month, I was essentially using the previous month’s income to pay my bills, which meant I already had the money to pay regardless of when my bills fell in relation to my paydays.

[@Mogo7920]

Thank you so much for this. I can’t wait to print out the free form and get started. I’ve never had to watch my money but after being a single mom making too much for any assistance but not enough to stay above water, this is so helpful. ❤

[@2SisterBees]

I was in this same situation for years. It is really hard to be in that position. I had to know in my heart that I could do it. I could do it myself. I had to push myself most days- but it was worth it. I fixed my awful credit, I purchased a more dependable car, I finally was able to buy my own home. The feeling of accomplishment that came with that is something I will carry with me for the rest of my life. I showed myself what I am capable of. I’m so glad you decided to start your budgeting journey. We are here for you- to keep motivating you through it all. 💛

[@Mogo7920]

@@2SisterBees ❤️🙏🏼

[@ruthking466]

Hi Jenn. Happy Monday. Awesome information for beginning budgeters

[@sitsngigglesful]

I just randomly came across your channel and I am grateful! I need to REEL IT IN! I have cash stuffed before kinda sorta, but need to get serious. Saw one of your cash stuffing videos and then found this one. I know how to budget, I just overthink it all, and this made it Ssooooo easy and I thank you! Grabbed an old binder, some of your free printable and rode out the storm here last night putting everything together. I DID break a no spend day and bought a binder for cash stuffing. When I did the budget, I found out I can easily meet an urgent goal by mid February literally just by sticking to that budget. I had been stressing about it. Subscribed now for sure, and the challenges look fun so I'm going to make sure to get there soon!

[@2SisterBees]

Thank you so much for your comment. I think we do tend to overthink everything, right? Anytime Jason and I have to make a decision, we jokingly say, “Let’s overthink about it.” 🤣 I’m so glad that you enjoy the content and find it helpful- that’s awesome to hear. I still haven’t completely figured out my budget binder setup - things are so different now. My last binder revolved around paying off debt but that’s changed so now I have to readjust. And overthink about it! 🤣🤣🤣

[@sitsngigglesful]

I'll have to look for one of your videos on paying off debt. I'm a visual learner. I have Ramsay's book but I spend all day reading reports and sometimes I can't make myself read more that's not entertainment (to destress). And I need to stop over thinking, lol

[@libbysworld7649]

Jen, this is GOLD. I am sharing this with everyone I know! You are helping so many people and I want your channel to EXPLODE! Thank you dear! Have a FANTASTIC week!

[@2SisterBees]

Thank you so much!! I really appreciate that !! 😍💛💛💛😍

[@vamosahacerloorganizaciony345]

I love your voice, how easy you explain everything and how good this is! Thank you!

[@2SisterBees]

Oh wow- thank you so much for your kind words. That means a lot. 💛

[@juliekeenum9143]

I keep a running list in the notes section of my phone. I put ALL bills in order of their due dates. I don’t do categories. I just list all bills by their due dates and how much is due. Once I pay a bill I type paid under that bill. I have never understood the need for categories. They are all bills regardless how they would be categorized and they all need to get paid by the end of the month. I don’t stress and all my bills get paid on time. I have some paperless bills and I know when they will be coming out so when they do come out I subtract. Nothing hard about it. Everyone budgets different and everyone should do what works for them. I do like to watch and see how other people budget.

[@beanachaos]

I love how you explain everything

[@ProsperityGrowthPower]

Money orders offer a tangible way to manage and allocate funds. This method not only streamlines budgeting but also adds an extra layer of security by limiting transactions. It's a useful tip for those looking to enhance their financial control and awareness.

[@2SisterBees]

I think so, too! A forgotten way of keeping finances organized.

[@nikajo002]

Thank you for all the templates. You saved me from searing all over the place. ❤

[@Brinevercared]

This was a really good video I definitely needed this 💯

[@2SisterBees]

Awesome to hear - I’m so glad it was helpful to you! 💛🤩

[@SueS4884]

Excellent information and presented so clearly and easy to understand. Thank you also for the printables!💕

[@2SisterBees]

Awesome! I’m so glad you liked it! 💛

[@williamwarren9448]

Soooo nice you added freebies to help new budgeters ! One of the concerns I had when I started was the actual start up costs .. nice envelopes nice wallets and what forms did I need ❤any thing that encourages people to manage their monies ❤Glenda

[@marybaker8061]

❤❤ I was just thinking about that, how this would be a great video to submit for a job on how concise and well spoken she is.

[@rangert1194]

Sending this out to family members now. Thanks for the video😊

[@brandi1719]

I used to use money orders in my younger years. I'm working on setting up our budget and debt goals for the coming New Year ❤🐝

[@2SisterBees]

Me, too! I’m getting things figured out. I want to go over it with Jason and make sure we are on the same page. Money orders were the best, right!? Kept me out of a lot of trouble when I was younger. I was a waitress so I always had cash on hand. I would go get my money orders OR I would pay a lot of things in person, too!

[@brandi1719]

@@2SisterBees I remember some of my bill companies wanting a cashier's check or money order, not a personal check, like for rent. I kind of miss the old days. Now, I work for a Credit Union so our mortgage, car loan, and credit card is through them. I just transfer my payments.

[@sachelldupree1330]

One or the best explanations thank you so much and for the free templates. I am really ready to start now

[@2SisterBees]

That’s awesome to hear!! So glad I could help ! 💛💛💛

[@samantharowell9733]

I go between paying some bills in cash, but others directly from a card. HOWEVER I just started getting a budget binder, and using a calander to mark off when all bills are due, and which Friday's check pays for which bills.

[@2SisterBees]

Yes! That’s awesome! Keeping track and staying on top of it! Great job!

[@angelanute3893]

I’m so glad I ran into your channel. ❤❤❤

[@melyssalynch7719]

This was so simple yet so helpful ! Thank you.

[@2SisterBees]

I love to hear it! 💛

[@nicolewildasin9712]

So detailed! awesome for beginners

[@2SisterBees]

I’m glad! 💛

[@dolorespena1650]

I am so glad I subscribed to your videos!! I'm learning so much, and thank you so much for the free printable, especially for myself, that is on a budget.

[@2SisterBees]

Awesome! So glad to have you! 💛

[@marybaker8061]

❤❤ these are crazy water bills! 💧 How insane, whew wow!

[@2SisterBees]

It was crazy! There was a leak outside - I showed it on one of my cash stuffing videos. It’s like some underground valve outside. Just full of water and letting it flow! 😭

[@2SisterBees]

It was crazy! There was a leak outside - I showed it on one of my cash stuffing videos. It’s like some underground valve outside. Just full of water and letting it flow! 😭

[@marybaker8061]

@@2SisterBees oh my goodness! I hope they worked with you on that. Wow, it sounds odd it'd be wide open like that!

[@kristylawton1350]

This is great tips. Donyou have the links for the budget sheets ?

[@2SisterBees]

Yes, I do! And now you do, too! 💛💛💛 drive.google.com/drive/mobile/folders/1VRf2dzNHV84v-oLIbufEnM3LlNcDpXcr

[@Esma1919]

Hi, this video is very helpful. Where is your calculator from? I’d like to find one like it before I begin my after Christmas no spend period.

[@2SisterBees]

I didn’t get mine from Amazon but I found it! www.amazon.com/Calculators-Benkaim-Calculator-Standard-Business/dp/B0BP1N8ZKX/ref=mp_s_a_1_43_sspa?crid=1QUZLBWB9W0IW&keywords=calculator+big+buttons&qid=1702772956&sprefix=calculator+big+%2Caps%2C219&sr=8-43-spons&sp_csd=d2lkZ2V0TmFtZT1zcF9waG9uZV9zZWFyY2hfYXRmX25leHQ&psc=1

[@BethelBudgets]

New supporter here! I love the way you laid this out for new budgeters. THANK YOU!!!

[@2SisterBees]

Awesome! Glad to have you! 💛

[@sherrypool7653]

great video loved it

[@2SisterBees]

Thank you! 💛

[@qinghunt5207]

I like this step by step , so useful ! 🤩 And I am the only one notice she has beautiful hands lol

[@samuelsanchez8212]

Indeed I have noticed as well but stayed silent

[@renatal1972]

After my dad passed in 2019 I switched back to paper billing on everything. It was a nightmare trying to find out what bills I had to pay on his estate because he had gone paperless and I didn’t have access to his computer or emails. So until companies were trying to go into collections I did now about the bill. I still pay the bills online through my bank, but I want the paper bill so I know what is due and when.

[@2SisterBees]

I tried paperless for a very short time- just a little old school over here- but it works! 😅 I’m sorry to hear of your dad’s passing- we lost our dad in 2020, it’s still very fresh. 😢

[@lenabellamy1262]

Yay! I’ve got bill increases coming early in 2024 but haven’t heard about any raises coming from work so this will help.❤ How would you do this if you don’t have enough to pay bills that are due this pay period plus try to save up half or a quarter for next month?

[@2SisterBees]

Hey Lena! 💛 I have a couple videos linked for anyone that needs ideas on how to get back on track. The only ways I know are to raise income and cut expenses. Not everyone can work more - so I really recommend selling items. It has gotten me out of so many jams. I go through my entire house, take pics and start posting on FB! Here is the video on selling items: kzbin.info/www/bejne/b3nSp5iOrqpleposi=LnSZQiz4mDUXJU9E Saving is HARDER than ever. 💛

[@denitarobinson7]

This was very informative. Thank you.

[@2SisterBees]

I’m glad that it was helpful. 🙌

[@banjogirl88]

Oh my gosh! I can't believe your daughter pays $250 every 5 weeks. I feel so bad for her and anyone who has to pay those astronomical prices to get their hair done. There's no way I would pay that. I pay $45 every 5 weeks and that includes getting my hair colored and cut. And I have very thick, very long (down to the middle of my back) hair. I'm SOOOOOO glad I live in the middle of nowhere in Wisconsin. Lol.

[@2SisterBees]

Yes! Some of these places are getting crazy. My girl is very reasonable- she’s the first one I’ve found in a long time that is and I’m sticking with her! My daughter’s salon has been steadily raising prices for the past 2 years. 🤔

[@ireneroy8820]

Ridiculous

[@Whoa_Nisha]

I have long thick hair, and to color cut and style mine is around $300-400. I haven’t gotten mine done in a year because I’ve realized it’s too much lol. Going to let my natural color grow out until I find somewhere that can do my hair.. I used to go to Tony and guy- that’s why the price 🤦🏽‍♀️ lol

[@jimhart821]

I love my lady. Have had her over 10 yrs now. Pay $75.00 color cut and style. Thar includes tip.

[@selbarton]

Wow, I pay $20 with tip included to trim/cut my hair every year. The advantage of long straight hair that I put up to keep it out of the way.

[@agustine9222]

Beginner is wild. I almost had a panic attack watching this 😭

[@johnkelly9451]

We just use a tablet writing paper, we put our paycheck amount on the 1st of month (payday) and the 15th... then subtract bills and then adjust from there. We've listed our bill by priority and due date in column of which payday it comes out of, then put any extra towards debt (the most possible), emergency savings (oil change, brakes and rotors, car repairs) a job loss, and a portion to savings. We also write on bottom the gotchas that we didn't figure in, car registration, bdays ect... then figure out. We've gotten creative for thoughtful gifts, it's not the gift but the manner that it is given. An within a small budget saved a little at a time. We can't spend more than we make... so... yes, either make more or spend less... We see where we're at in this moment in time, make a plan for where we're at and where we're going and reassess as needed. Once setup, it's an eye opener but easy and works for us...

[@brianaweathers5016]

I really appreciate you making this video. Do you have any tips for entrepreneurs?

[@2SisterBees]

I’m glad you like the video- It’s funny you ask about the entrepreneur tips- I come from a family of them. 💛 We just find something we enjoy, work hard and MAKE it happen. My dad never let anything get in his way and I watched him my whole life. Never bothered. Never took failing as an option. Just go, do and be! 💛

[@defiantaichi]

I travel a ot for work and moved hosues several times. I am paperless, but i do try and maintain a pocketbook of expenses

[@ericapeneguy2653]

So if I start this on Friday, do I go ahead and pay the bills due this week and only cash stuff for the rest of my monthly bills?

[@2SisterBees]

If you are going to cash stuff your bills - make sure you are extremely organized with it. Have a calendar with all of the due dates written down so you can be sure to have the cash in your account and paid on time. I don’t stuff my monthly bills- I only cash stuff my variable expenses and things I am saving longer term for. If you are not living paycheck to paycheck or anything like that- you should be fine but still be super organized. Honestly- I suggest to new cash stuffers to start with just a few envelopes where they would like to see themselves sticking to a budget. Things like groceries, online shopping, or eating out. It really depends on what types of bills you have. Just don’t get overwhelmed- once you get the hang of it, it gets easier. I started with one binder and had probably 8 envelopes. You can ask anything else you can think of - and I’ll try to help. 💛

[@senbuvoltz1215]

I want to stop living pay check to pay check! So this was AWESOME to find!

[@2SisterBees]

Awesome! I did a follow up video yesterday putting together a budget binder here : ✨ Budget Binder Explained | Easy Setup | PayDay Routine | For Beginners kzbin.info/www/bejne/qZukgZakrNRkh8U And I have a really in depth 3 part on Stop living paycheck to paycheck Part 1 here: kzbin.info/www/bejne/j5W6kGZriKx_iZosi=pcfwl7P5lskqt2m- These may help you a bit more! 💛

[@bethbeckermeyer1732]

Great job! It is wonderful that you are helping so many!

[@2SisterBees]

I’m trying, Sis! 💛💛💛

[@rebecksbecker1493]

old fashion cash budgeting, love it!

[@2SisterBees]

Yessss! Just back to basics. It works. 👏

[@cmcasadoiro]

Wonderful video, thank you so much

[@2SisterBees]

I hope it helped you! 💛

[@2GringosOnTheGulf]

We budget living in Mexico 🇲🇽🙏🏼 Cheers from 2 Canadians living in Mexico. 🇲🇽✌🏼

[@DawnCross]

You always do such a great job! Very helpful.

[@2SisterBees]

Thank you SO much!

[@Practice_Kindness-1st]

I have just forwarded your video to a friend of mine that really needs it.

[@2SisterBees]

I’m so glad to hear it! I hope your friend finds it helpful. 💛💛💛

[@NiNitosix]

I’m baaack🤣. I need to get back on track with this. My husband is about take most of our savings to build his shop. You sure encouraged me before! ♥️

[@2SisterBees]

Hey!! Long time, no see! Glad to have ya back, Sis!! 💛💛💛

[@NiNitosix]

@@2SisterBees thank you, sis!!!💕🤗 glad to be back! I had to go on a 4 hour trip. Dad is 82 and had surgery today. I’m going to watch right now!😁

[@caprispillingtheteaLST]

I am more of a digital girl but I do take cash out on occasions ❤thank you for this beautiful video

[@2SisterBees]

You are so welcome! Thank you for watching! 💛

[@coupe_dville]

This is an excellent video to get started. Thank you so much for the freebies. 💜💛💜💛

[@2SisterBees]

You are so welcome! 💛

[@Chngestrtswthu]

Thank you for the useful information. I’m just getting started on this and I love your method.

[@2SisterBees]

I’m so glad it was helpful! 💛

[@samuelsanchez8212]

Awesome video very well put great way to make everything come together instead of having chaos every month trying to figure out where the money came in or where the money went to I agree about agree with you in regards to the bank I use one that gives you three accounts as well one is credit builder that will increase your credit score automatically by paying your bills with it 2 the checking account and the next one is savings account and they also cover you in the middle of the month if you run out of money they cover you and they don't charge you extra fees at the the next pay cycle week or the month when you get your income again

[@margowhitlock7933]

Thanks for the videos.

[@heartitraces74]

I’m brand new to the hive 🐝 and I’m soooo excited to be here!! I’m 49 and in a few months I will be 50 😬 Thankfully my husband is so good with money because I have always struggled. It’s like money slips through my fingers. I’m determined to turn that around and impress my husband & myself that I can do this. Thank you for sharing all this great information. I’ve been binge watching your videos 😅 I’m going to purchase your budget binder basics to get started. I’m not sure if you have done a video on credit cards and cash back using them? I know using credit cards are a taboo in these financial communities but would love to hear you and your sisters thoughts on them. I’m nervous about carrying cash, especially such large amounts (maybe I just need to get over that). Thanks again!!! Cannot wait to learn from you all!

[@Blessed-px2rh]

Super helpful. Thank you

[@2SisterBees]

Glad to hear it! Thanks for watching! 💛

[@devingoorsamy7592]

Thank u from South Africa

[@2SisterBees]

You’re welcome! Thank you for watching! 💛

[@Matt.Ripley]

I get the sentiment, but not sure we should be promoting paper copies if we’re also looking to reduce environmental impact. Are there other methods that keep the focus, but keep things digital?

[@2SisterBees]

My POV is that there are a million other ways we can reduce waste. If someone is struggling to keep up with bills and paying on time and/or need a more visual way to get back on track- staying with paper billing is a good option. I think it’s a good temporary solution to reset your mind- then once things are streamlined again, go back to paperless. It’s just one suggestion of many that could potentially help some of my viewers. Not all of them work for everyone- I do my best! 💛

[@yourstruly5558]

I just subbed wow I’ve been doing it wrong the whole time thank you for the freebies and thanks for breaking it down like this I understand it so much more

[@ginamoffett1973]

Great video Jen. Very informative and interesting 🤔

[@2SisterBees]

I’m glad you liked it! 🙌

[@raquelalvarez6106]

thank you for all this wonderful information!!! I will share the video with one of my sisters, I'm sure she will find it useful

[@2SisterBees]

Sweet!! I hope she does! 💛

[@KellyMartinAuthor]

I love this! I do have a question. I understand budgeting, however, I can't wrap my brain around my situation with budgeting. I get paid monthly and it is a fixed income (Salary). My husband gets paid every two weeks and is variable (hourly with shut downs if there isn't enough work). How would you suggest planning for that? I really want to get a handle on budgeting in 2024. We have been married 20 years and I feel like we have never had a year when we weren't "just making it" (sorry for such a long question)

[@2SisterBees]

Hi there! This is a great question- I actually have a 3 part series on setting up a budget. I go much further into detail about variable income and other things. The videos aren’t super entertaining but they do contain good info. Here is part 1 and the other two will be at the end for you to click and keep watching. I hope these help you. kzbin.info/www/bejne/iH63q4xjZqaVq7ssi=d10JeSegy-hAhv_n

[@MariaGarcia-gv8hj]

Now I have more knowledge about personal finance, thanks to your channel, I just subscribed.Big ups to everyone working effortlessly trying to earn a living while building wealth in this recession. I’m 45 and my husband is 51, we are both retired, no debts. We are currently living a frugal and financially savvy lifestyle and generating passive income even during this recessionary period. Our commitment to saving and investing in the financial market has enabled us to maintain this lifestyle and continue earning monthly passively through investment.Traveling is now on our horizon, thanks to our financial choices,,

[@appleblossomfamilyfarm3553]

Great video - thank you! I would love to not use paperless. Not sure about the US but in Australia they charge you an extra fee unless you use paperless. So it is a toss up between paying a fee (which makes me cross!) and having the paper bill in my hand that I want.

[@jesuszubizarreta]

❤ This is great I am getting prepped for next year budgeting and taxes. 😢😂 Needed a reminder how to get it together with my budget.🎉

[@2SisterBees]

I am working on mine, too! So many different goals now that we are out of debt.

[@jesuszubizarreta]

@@2SisterBees I need to not put myself further into debt first lmao! Self control, Jesús, where is it???!!!

[@2SisterBees]

Like ol’ Nancy Reagan told us kids back in the 80’s - “ Just Say No” 🤣🤣😅

[@jesuszubizarreta]

@@2SisterBees I feel like me pulling the credit card out at the cashier is a lot like Jim Carrey in Liar Liar with the blue pen 😂

[@Mademj8008]

Hey Jen 👋🏼. 🫣I'm the bank account checker to make sure everything is on track. Loved the video

[@barbw6116]

Thanks for your content , so very informative. I’ve only recently began watching . When you say 10% for car (payment ) .. if I don’t have that expense would the 10% be registrations , car maintenance , etc ?

[@2SisterBees]

I would think that is up to you but it isn’t a bad idea. Car repairs, insurance and even gas are so expensive now. If you do the math, those things might come close to that 10%! I am not a financial advisor so I don’t want to say that’s what you absolutely should do- run your numbers and see what you think. Thank you for watching and I’m glad to have you here! 💛

[@TrishaAnderson926]

Awesome video, Jenn! Thank you!

[@2SisterBees]

Thanks for watching! Hope it helps! 💛

[@SolarBeamInk]

yes to the no spend challenge,, I struggle with the order alot bc it's not working for my brain to get stuff out of? but the challenge could be a fun thiing!

[@Einsd619]

I couldn’t help it - I sent a friend so many links to your videos and free printouts. I am hoping that not just I can get out of debt in 2024 and develop better spending - but that those I care for do as well. I’ll be annoying in 2024 😂

[@2SisterBees]

Hahaaa! This is awesome! I am guilty of this! I tell everyone I know how to save and to pay off debt! We can be annoying together! 🤣🤣🤣

[@suprememagnetic4850]

Great video, congrats on paying your car off, oh what a feeling 😊😊

[@2SisterBees]

Yes! It is a good feeling ! 💛 I never had a car payment until I started making a little more money and then I thought to myself, “ This is what I’m supposed to do now - get a better car and then buy a house.” The house - I did good on but the car payment… not so much. 😅

[@adlpaz44]

Thank you sooo much for the freebie 💝🌺 and the wonderful budget explanation

[@nancywalker261]

❤❤ Love this channel. My first video I watched & now a new subscriber. Can’t wait to see the rest ❤

[@2SisterBees]

Oh nice! I’m so glad you liked the video! I have so many topics I want to talk about, just need to make the time! Keep watching- lots more to come! Welcome to The Hive! 🐝

[@kyerastewart5698]

Hello where does gas ⛽️ fit in on your budget

[@2SisterBees]

We work remotely so our gas is VERY low. The budget video is a template to show others how to plug in their own bills/ numbers. No one has the same income or expenses. When you make your own budget, you are taking your income and then deducting your expenses by prioritizing what has to be paid first. Then go in order and see what you have left. If you have $ left, begin saving. If you are in the negative, you will need to cut expenses and/ or make more income. I hope that helps - 💛

[@scolawambui6923]

Wow! Thank you so much!

[@2SisterBees]

You are so welcome! I hope the video helped! 💛💛💛

[@scolawambui6923]

@@2SisterBeesit helped a lot. Starting me on the right trajectory this 2024.

[@CrissiJo1]

Thank you!!

[@couponwithJackie]

How do you get this started when you have different bills due each week?

[@quanisha92]

Great information! My water bill is due every 3 months how should I plan for that and what category do you suggest I place that in? Thank you so much for your help! I'm so happy I came across your channel 😊

[@makeanddohandmade]

I would overestimate how much I thought it was going to be and divide by three, setting that amount aside every month 🙂

[@TheFinanciallyFitRN]

Setup a utility sinking fund and average what the last three pass bills were and take the average and divide by three and and save in an account or envelope so you have it to pay in three months. Works like a charm!

[@randomnielle]

We pay $500 towards utilities every month. In January We paid $325 to the bill and put $175 into savings to use in the summer. Our bills last year got over $600 in the summer months and it helps offset by just paying the same amount every month.

[@ivym6784]

How do I find April’s channel?

[@2SisterBees]

Hello! You asked at a perfect time! She’s got something coming up soon on the channel! youtube.com/@neighbeehood?si=vJcyCFGkbBFkd_oB

[@Cocacabanabudgets]

New sub! loved this vid. Thank you for sharing the free pintables!!

[@2SisterBees]

I hope they bring all the savings vibes for you! 💛💛💛 Welcome to The Hive! 🐝

[@feriaparker]

Please Forgive me if my question comes off dumb. My question: once everything is figured out and mapped out and placed in envelopes for bills. How do you proceed to pay it? These days most payments are paid online or by check via mail. So what would i do with the cash? Do i deposit it back into the bank account when it's time to pay or is there another method that I'm missing? do you have any suggestions on what to do with the cash to pay the bills? Thank you.

[@2SisterBees]

Not a dumb question at all! I, personally, don’t cash stuff for bills. I can’t think of anyone off the top of my head that does. I prefer to cash stuff for things that I tend to over spend in ( or used to). Good starters are : Groceries, shopping, take out, coffee, kids, Amazon- anything that you want to do better with. This will make certain that bills are always taken care of. IMO- bills are bills. It’s the “variable” spending that gets us into trouble.

[@jessimcconnell2973]

I refer to it as a spending/savings plan not a budget. It seems less painful.

[@2SisterBees]

It does! 😅

[@hayleymitchell3384]

Hey, is your complete plan still available? I’ve had a look on Etsy and I can’t seem to find it 😢

[@2SisterBees]

It is still available: www.etsy.com/listing/1714969150/ kzbin.info/www/bejne/rZ6uc2aHndt9ppIsi=eJa9VvHjmeQm_Mhv

[@daytonbrooks]

I liked the word map piece in the beginning

[@2SisterBees]

Sweet! Thanks! Getting our money together involves so many things. I think we tend to forget. ✨

[@conniet9288]

I agree auto pay is easy to lose track but I do not trust mail honestly. E-bill reminds me of everything and I don't miss it.

[@2SisterBees]

You definitely want to continue what works for you. 💛

[@coffeecrochetcuddles9568]

Paper bills unless they charge a fee for it. All synchrony accounts now charge a fee for Paper statements.

[@brendaplans1992]

Hi Jen. I am brand new here and your posts are so ultra helpful. I do have a question. Every pay period I tithe 10% of my income which is hundreds of dollars per month. Do you tithe and have this covered in a different video or do you not have that as part of your budget please? Thank you so much!!

[@2SisterBees]

Welcome to The Hive! It is actually part of mine, as well. Here is a video I just posted that should be very helpful for you. I go over step by step budget and I include the sheets I am using as a free download for you. kzbin.info/www/bejne/mnO1p4qEm61_rtksi=oNYzwnxDUyjEVtdU

[@brendaplans1992]

@@2SisterBees thank you so much!!! I am going to devour it right now 😊 Thanks for everything!!

[@hfortenberry]

This is so cool! I had made a plan to work on my budget every week so it's perfect that you do this weekly!!! I'll do it with you!! Subscribed! Okay, I've following along and wrote it all down but I don't get it. How do I pay all my bills using cash? Do I get money orders for ALL my bills? Then I'm spending a lot on money orders, right? I'm really excited to do this because I think it will help me get control of my spending and pay off my debt; but, I am worried it's not going to work with how to deal with this cash.

[@amihernandez7109]

I have a question she did only her income can we do both income w spouse.

[@2SisterBees]

I’m going to work on a video for other situations. Keep an eye out! 💛

[@ireneroy8820]

Let’s say you save $200 in an envelope in a month. I see it different…adding that $200 $400 $100 that I save in a month to MY SAVINGS ACCOUNT benefits me more each month BECAUSE Of the interest I receive each MONTH from the monthly DEPOSIT… INSTEAD of WAITING till the EnD of the YEAR! This is for people who save in the envelope system. I love the explanation of how to budget!! ❤

[@2SisterBees]

Well, yes. If someone wants to place savings in a high yield savings account, they will reap the benefits of that monthly interest. For me, when I first decided I wanted to pay off debt and save, putting money in a savings account didn’t work for me in the beginning. Mentally, I was still seeing money as “just numbers” on a screen. So, when my checking account would get low because I wasn’t budgeting very well, I would just do a couple little clicks and move money from savings back to my checking. The cash method ( because it’s so visual) reignited what the value of a dollar is. After some time, your spending habits get better, your budgeting gets dialed in- and once that control comes back- putting $ in a savings account is very beneficial. It’s the “getting there” that is the real work. Also, a lot of cash stuffers swap out the cash they have saved in the envelopes for “prop money” and deposit it once they reach a certain amount. There’s so many ways to do finances- just gotta find what speaks to you. 💛💛💛

[@ireneroy8820]

@@2SisterBees yes. I get that! I use to do cash envelope ✉️ system Like $100 groceries $30 gas $20 cvs for hygiene Using also coupons and ECB’s alone with the $20, fun money $20 clothes $30 Eat outs . For hubby and me. I would then save up the money left in each envelope at the end of the week. If I needed more in one I would take it from another, made me not want to spend at all! Thats how I started saving so much. That year I saved over $5000 I have no debt besides home, which is low Built a home in 2017. We had already paid our land in cash, we had no debt. Put $52,000 on my home also The last 4 years we saved an average of $20,000 A year. Everything that comes in goes in savings Unexpected checks, anything, income tax return and etc. we over pain a dr. Bill the other day and got $21 Back, we deposited that

[@mgordon1360]

Hi.. love this ! How do I find the links below? I am not a newly at this but I can’t find them???🤭

[@2SisterBees]

Here is the link for ya! and welcome to The Hive! 💛 drive.google.com/drive/mobile/folders/1VRf2dzNHV84v-oLIbufEnM3LlNcDpXcr

[@mgordon1360]

@@2SisterBees -Thank you!