How To Start, Stop and Change Savings Challenges | Cash Stuffing | Sinking Funds

[@theeclecticmemah]

Rising Budgeter here and I saved $8 in Hello Honey! Thank you so much for doing Hello Honey every Sunday! Yes, Jen, I will do the personal challenge with you this week!

[@2SisterBees]

Yay!! Jason made spaghetti already today so we don’t get tempted later! 😅

[@amyfletcher4749]

I always have soooo many things I need to put money aside for but my paycheck only goes so far.

[@happyvalleybudgets]

I feel ya there Amy. For me personally I sat down and labeled my priorities. As long as I’m getting them taken care of I have stopped fretting about saving for all the other stuff for right now. It is such a hard time to stretch our dollar. Good luck

[@amandahaggan7062]

I was, and to a certain degree, still in the same situation. I had multiple credit card bills, medical bills, car payment, house payment, plus I still needed to save for holidays, birthdays, back to school, etc. My paycheck wasn't enough for everything AND anything additional, like savings...or so I thought. My advice is to start small. Use only cash to pay for what you can. Stop any monetary bleeding, like dining out for ANY meals. Make a list of what's in your kitchen and pantry now, then make a menu around those items. Use what you already have on hand. I have myself a budget for groceries of $150 for 2 weeks for my family of 4. I also started putting my change into a jar and gave myself a goal of $50 to save up for- my smallest debt was a bill for $47. Any money left out of ANY budgeted envelopes went straight into the jar. I didn't even count it. Blind deposits. I get paid bi-monthly so it took 2 pay cycles before I could check on my status. I had saved over half of my full ER fund in one month! It helped to jump start my ER savings and my motivation to keep going. Once I had saved my full ER fund, I picked the next smallest debt, and set that as my debt goal and set the same amount as a savings goal, to do something "fun". Once I had saved the money, I applied the debt goal money to my debt and the family went out to a nice dinner on the savings goal side. I'm now down to a car payment, one loan and my house. My car should be paid off by next year and then the loan won't be too far behind (about 3 years left instead of the original 10 years). It's not easy, but don't try to get bogged down on how you have ALL this debt and just this TINY amount of money. Instead, flip the script. You can achieve the financial breathing room you want, but you might have to sacrifice some "luxuries" for now. Jen has lots of videos on ways to cut out spending and even a few on ideas of where our how you can try to "find" more of your money. I get cheap meal prep ideas from seemindymom. She has a youtube channel that I watch regularly and she does a lot of pantry challenges too. Good luck with your journey. And don't forget, we're all watching the same video- we're all in this together 😊

[@helenbell6179]

​@@amandahaggan7062what great advice. Thank you. I'm sure this will help a lot of people in their debt free journey. ❤

[@sandralmoore1360]

I'm on a fixed income so only budget just over $800 a month. Fortunately I'd gotten house pd off yrs before mom died in 2015 so don't have to worry there and In 2018 when I dot on disability car was repo'd and a friend had bought a used car for her daughter when in college and daughter about to graduate college and was planning to get her a newer car so gave me the hs car, still driving it 6 yrs later and had few offer to buy from me. Slowly saving towards being able to afford another for when it gives up the ghost but doing best to keep running and, since it's pd for, I can get lower insurance-- only $300 every 6 months and insurance has figuired out I ask about lower prices so have it ready for me when I call.

[@court4915]

Yes Jen, I will do that challenge with you!

[@ElizabethSmith-rz9fb]

Good morning! I don't eat a lot of takeout but Publix Deli gets me. (Former FL girl who loves the subs lol.) In my no takeout challenge, I'm going to include Publix especially since even now I'm thinking of a chicken tender sub lol. Thank you for an amazing video and keeping the Hive motivated. I need to simplify my games and choose just a few(2SB has too many cute ones). I also got out of the habit of putting goals on each one, other than deciding at the end for which sinking fund it's going to. Definitely will have homework this week. 🙃💪

[@thecraftysaver]

Hey Jenn. Saved my $14 this week. I need to save for surgery on my eyes. I couldn't afford my insurance after having value replacement on my heart. It is just to expensive now. So now anything medical comes out of my pocket. Its going to be ok though. I'm luck to have found the saving and budget community. Everyone is so supportive. I'm so blessed. Hope you are having an awesome day. God Bless.💙

[@2SisterBees]

I know how you feel- since Jason switched jobs, our insurance is the biggest sacrifice. It will be gone at the end of July and I’m not going to lie- I’m a bit worried. We will just do our best, right? 💛

[@thecraftysaver]

@@2SisterBees We just have to have faith.💙

[@kelseys9536]

JENN! That mini challenge was totally directed at me lol! I have been horrible at getting takeout way too often recently. I am definitely in for that challenge. Saved $20 in HH today, I loved this game with the cards

[@2SisterBees]

We have gotten it a few times and then nothing for a while but I’ve noticed a slight uptick again. So that’s why I said it. We all need a push in the right direction! 🙌💛

[@adonaiskid24]

Good morning Jenn❤ I saved $15 with Hello Honey this week. Great job stopping challenges and moving your money to other goals.🎉 You’ve got me thinking which challenges I’m doing that I’m really not playing anymore… yay I get to move money around. (Thanks for this reminder) This week I will definitely try to do the no take out challenge with you. I’m home for the summer so my door dash/uber eats ordering has gotten out of control 😭 so I’m gonna be intentional this week. Thanks for the personal challenge🤗 Have a great week!

[@pw0804]

Today I saved $27. I will also be doing the no takeout challenge. I have almost finished the Save 10 Journey but, like you, decided to move most of that money into my 100 envelope savings box and other smaller savings challenges. Thanks Jenn for your suggestion that we switch things up. It really helps regain the momentum.

[@2SisterBees]

I am so excited about how many are going to do no take out this week- we are all going to be saving! 🙌 The save 10 is an awesome challenge and I finished it the first time - this time around, I think other things are coming in hot. Like Christmas 🎄

[@michelecaseman3402]

LOVE doing HH each week! Saved $28 this time. Would like to do the mini challenge but I don't do take out. My husband and I save up and eat out once a month. Lately, since we're trying to save more, we're down to once every other month. Thanks Jen for helping us become more money conscious!

[@2SisterBees]

See you next week and we will see if you can do the next mini challenge! 🙌💛

[@amandahaggan7062]

I got so distracted while watching the video that i missed playing along with you on HH this week. So I had to play solo afterwards! I got $29 but gave myself a penalty fine of $5 for not paying attention 😂, so $34 altogether! Super excited about the mini challenges coming back. I've watched a few of your older videos and thought they were a neat idea. I'm totally on board with you Jen! You haven't led me wrong yet 🎉😊

[@2SisterBees]

Yes! The mini challenges are fun and a little extra push for all of us! 💛

[@angelaromero2542]

Hi Jenn, I will definitely be doing the no takeout challenge with you this week! I saved along with you $27 for Hello Honey today! Thank you so much for keeping me inspired and encouraged!! I appreciate You my friend!! 💜💜

[@ruthking466]

Happy Sunday Jenn. I’m definitely doing the weekly mini challenges. I saved $27 and rounded up to $30. This mini challenge will be easy for me because I haven’t being eating out.

[@latinbudget]

Hello Jen, I needed to complete today my Hello Honey. So what I did today was follow today's Game Dot Dot Dot and saved your amount $27, then you pulled out The Busy Bee Card you got a 5 and I add +1= $6.00. You rolled Dice three times so I did $7+1+1+5=$14.00🎉🎉🎉 total closing of Hello Honey$47.00 this week...OMGosh, wow incredible savings for my Sinking Funds! To all the Budgeters, this does boost those sinking funds that you struggle with and I barely make 1,000 a month! Jen I will take a little break but rest a sure I will be back for another Interactive Game. Blessings to you and Family🎉 As SpongeBob would sing "Stepping on the Beach wuhohoho... Stepping on the Beach wuhohoho... "😊🎉🎉🎉

[@KerriScott]

Yes I will do the mini challenge this week. I need to get back on track. Kitchen reno is messing with my dining out budget .

[@2SisterBees]

Oh yes- that will definitely do it!

[@alicesmith7180]

Good day beehive 🐝 No worries here because I limit take-out to once a month IF I save for it. You’d be surprised how much you can save by eliminating this from your budget or at least save for it first. I saved my birthday meal money for July so I’m ready to treat myself next month. Keep saving beehive’s 🤩🐝

[@Eismaus]

I found, that saving trackers works best for me. I’m lucky that I am deptfree for the last 19 Month. While I chucked everything at my dept, I saw the progress. Wenn I switched to saving challenges, I suddenly didn’t had any progress. When i was told, my son needs a new ipad for the new school year, I had a tracker similar to the dept tracker. And saving startet to work again. I stuck with trackers since. While I have a lot of Sinking Funds which includes vacation, repairs.. and get filled regular, I only have one „saving goal“ at a time. I tread this goal like a dept, tackle it with everything until it’s gone und then move on to the next.

[@tammystafford4489]

Good morning Jen and yes I am doing the challenge all week

[@kellypost1353]

Yes SO need that mini challenge! Especially this last week of the month!

[@2SisterBees]

Yes! Lots of us are doing it together - I love it! 🙌

[@Butterfly-pl1xb]

Hello Jen, for this weeks Hello Honey I saved $7.00.

[@2SisterBees]

Nice job! 💛

[@elishajohnson2125]

Good morning sisters! I just wanted to tell you.. I just paid off another credit card this week!! And I have a savings challenge specifically for vacation this year!!

[@mamadukes3020]

Way to go !!! Congrats to you !!

[@planbudgetsave]

Here struggling, but I pick myself up. Great cash stuffing ❤love all the savings that you are doing.

[@cwdoeslife8715]

I get bored with challenges and sometimes have to stop them and start new ones to stay motivated. great video Jenn. Happy Sunday

[@2SisterBees]

Yes! Same! I need changes all around ! 🙌

[@keveyk]

Awesome I saved 26 HH and yes I’m. Taking ur mini challenge this week. Thank you Jenn ❤

[@tamihill4229]

Yes Jen I am going to do the mini challenge this week

[@jordanrussell-xf3ud]

Yes Jen! I’m going to do the mini challenge with you!

[@kittyface7kat327]

Great video Jenn. :) I'm glad you show how we can evolve to meet our current needs.

[@2SisterBees]

Yes- we have to. It’s never ending.

[@MommaJs-tz2uz]

Hello I saved $28 on Hello Honey this week Love the games take care

[@pinkgirlygurl]

This is much needed video for me. I just started budgeting and felt so defeated. I personally don’t have a high paying job. I don’t have kids but I am supporting my brothers and sisters. Any help with where to start and how not to quit would be great. Thanks Jen! 😊

[@2SisterBees]

Hi there! Glad to have you here. I want to say- first, how much I respect that you are helping your family. That is so amazing- family is everything. I think I would focus on keeping my spending LOW. Basically keeping a No Spend challenge going. That was the first thing I did. I did a very serious- 60 day No spend.. I bought nothing. It was so crazy but in a good way. I truly believe that we don’t really grasp the amount of money that we waste/ spend on non necessity items. Start with that- no spending unless it is a TRUE need. And to keep you from quitting - stick with KZbin videos that are all about how to save, how to invest, how to get ahead. Also, read. Read as many books as you can ( or listen to audio books ) that are self improvement books. I have had my life changed by books. Atomic Habits The 7 Habits of Highly effective People The Mountain is You Breaking Free From Broke These are some of my favorites. And don’t forget- we are here if you have questions. Just ask and someone will answer you. 💛

[@melanierodriguez2139]

Hello happy Sunday! I saved $27 today for hello honey. And yes I’m going to do the personal challenge with you! Have an amazing day!! 💛

[@2SisterBees]

Glad to hear you’re in! Jason made spaghetti so we won’t be tempted later on! 🙌

[@SimplyMarquise]

Hey Jenn! I followed along with you for Hello Honey today, so I saved $27 as well.

[@2SisterBees]

Nice job! 💛

[@hookyknits8869]

Fab video as always! ❤ I dont generally have take outs as a rule but working in a school, its too easy to get my lunch from the school canteen so this week I'm going to take in lunch from home. I'll save what i dont spend in the canteen. 🤞🏼🥯🍟🍕🥗🍰🍪

[@BohemianGoddess323]

Yes Jenn. I'm going to do the mini challenge with you this week. Lol. Yes, it will be hard for me, but I've known for awhile that I need to do it. I've been watching your older videos the past few weeks, and am really glad that you are bringing back the mini challenges.

[@KimberlyAnn1971]

Good Morning! I saved $27.00 with Hello Honey! Yes Jen, I’ll do the mini challenge with you!

[@latanyacarr411]

Hi, Bee Hive!!! I saved $5 today w/HH.

[@SisuBudgets]

Hello Honey🍯:saved $4 I did Qtrs/.50 🎉 24:06 Thank you for making saving fun 😁

[@melindachiasson6807]

Yes Jenn I will be doing the challenge 😊

[@monicamundell2046]

Thank you for the freebies ❤your videos!!!❤❤❤

[@somphonypryor7980]

I saved 18 dollars with HH today I definitely need that no eat out challenge ❤great video thanks

[@2SisterBees]

Awesome! 💛

[@keandrealeach2869]

Hi, Jenn! I decided to play Hello Honey with my own cards and saved $34! 😁

[@2SisterBees]

Nice savings today! 🙌

[@keandrealeach2869]

@@2SisterBees Thanks!!

[@cindyball6998]

Hi Jen! I played with you, so I saved $27. Gotta go to Walmart so I can do the no spend this week.

[@gretchenMaMaG]

Addicted to the Hop ❤❤🎉🎉 Thanks for hosting

[@tamikajones6970]

Hey Jenn! I used your cards for Hello Honey so $27 saved and I will be doing the no take out challenge with you. Have a great week!

[@patsteele2120]

😊 Doing no take this week. Loving the changes. Hello Honey was $27.

[@2SisterBees]

Awesome, Pat! Jason made spaghetti as soon as he heard the challenge 😂

[@patsteele2120]

@@2SisterBees OOOHH Chicken Spaghetti sounds great plus gives leftovers for lunch tomorrow. I have chicken that needs to be cooked. Thanks Jason great idea!

[@dimples5974]

We saved $19 with Hello Honey today!

[@jenniferwood9164]

No takeout for me this week either. I saved $21 in HH. Have a Happy Sunday!

[@2SisterBees]

Yay! Jason made spaghetti as soon as he heard the challenge 😂

[@LadyRina8670]

Good morning Jen for HHI I saved$16 and yes I will join your mini challenge. I was just going to go to Popeyes this evening 😂

[@ktk1964]

Hello Honey, I saved $28 today. Have a great weekend. 😃

[@KristinaMcCormick2]

Skipped hello honey this round due to being off work. Yes, Jenn I will be doing the personal challenge with you this week. Also can you check on my April scratch off that I ordered in May? Thanks Jenn for all you do!

[@sharieffawiggins1554]

Where did you get your colored dice? Do you have a savings challenge for the rainbow of possibilities game?

[@dawnmcallister2868]

I am going to join you in the mini challenges!!

[@RavensOnBudget]

Are there a darker version of the plain deck of sister B's cars with the honeycomb patterns? I am legally blind and it's really hard to see if it's not large print or in bold. I love the aesthetic of these cards but I think they would be too difficult for me to use 😢

[@lucillesmith9764]

Good morning Jen. I just have to set goal for my savings challenge. I have learned to cut back on eating out. My income has drastically changed so I’m learning how to budget and save. Great video. I need to save for Christmas, Don’s birthday (5 days after Christmas) and taxes. Please help.

[@GoldQueenDragon]

Nice Hello Honey game, I saved 15 this time. Can't d o the mini-challenge as I have been at a festival this week and there is nothing but fast food there. It may be healty but it's stil fast food. 😀

[@emmavoels2]

Happy Wednesday Jen, I'm saving 27 bucks today!

[@curtismurrell4995]

This was the one I was mentioning about the cash holder...😊 2 Sister Bees......channel

[@brendaplans1992]

Love Hello Honey!! I saved $26 this week doing it your way! ❤ I am not doing this week’s savings challenge because I am at Walt Disney World and Universal Orlando all week so I will be “taking out” every meal. 😂 I did save up and am cash-flowing my entire trip, though, so does that count? Thanks, Jenn! Have a great week!

[@runpinky7589]

Saved $18 today 😊

[@bunnyshelhamer6877]

I saved $27 in HH, 😊and I'm up for the no fast food challenge!

[@2SisterBees]

Yes!! We don’t need that fast food! 🙌

[@elizabethm3327]

Oof. That's a BIG ask. So many days I grab food on the way to work. I'll try to make it to at least Thursday or Friday. 😂

[@barbieamica2023]

🤣 I know the feeling If I didn’t have to go to work I would have joined. That drive to work always gets me lol

[@2SisterBees]

Even a day or two is good! Pack your own food. You can do it! 🙌

[@SeaYakRanch]

Yes Jenn!!! 🐝 🌼 Mini challenge no take out 🍔🥤

[@KarenHRiceScott]

I saved $27 for HH and love the mini challenge. Count me in - no Door Dash this week that’s $30 to save for next week.

[@CashBudgetRetiree]

❤ Hi Jenn! ❤ Enjoying your video again today.

[@2SisterBees]

Thanks so much, Valerie! 💛

[@deenaknepper5224]

HH I saved $16 this week. Unfortunately, I will not be able to do the no take-out challenge with you this week. I am gone most of the week and will be depending on take-out to get me through the evenings!

[@2SisterBees]

Sometimes we gotta do what we gotta do. 💛

[@balindacavor4386]

Jenn, i saved $8 this week and I'm up for the challenge after today, 😅

[@2SisterBees]

Awesome! Jason already made spaghetti for us to eat so we aren’t tempted! 🙌

[@shenellebenta5573]

I saved $34 with Hello Honey 🍯🍯🍯. For the personal mini challenge I've also added no snacks/junk food

[@2SisterBees]

I have actually been eating better this week, too. That’s interesting, isn’t it? When you decide to do one good thing for yourself- it just keeps going. 💛

[@lakotamiller1212]

Good morning. I saved $15 with HH

[@2SisterBees]

Nice savings! 🙌

[@wilmaakastitchedbyjean3679]

I just downloaded the beginner packet. I am doing mini challenge this week

[@2SisterBees]

I’m glad to hear this! How have you been doing so far? 💛

[@wilmaakastitchedbyjean3679]

@2SisterBees saved $11 in mini challenges. Working toward emergency fund. Love the beginner packet it has helped

[@jessmiddleton4601]

No take out this week. I'm in.

[@myrarobbins6240]

How did you describe sinking funds ? I’m not sure if it is was in this video or not but I liked the way you said it! I wanted to write it down ! Thanks 😊

[@2SisterBees]

Hmmm… I’m not sure. I usually just say how they are your longer term savings goals. Things that you know are coming at some point allowing you to save up over time so they don’t hit you all at once. I wish I knew what it was that stuck with you! 😂

[@myrarobbins6240]

@@2SisterBees I found it ! It was “categories you spend once or twice a year” thanks 😊

[@terrychittam8483]

Thanks ❤❤❤

[@sharieffawiggins1554]

Are the markers you use for your trackers erasable? Or do you just print another one when done

[@2SisterBees]

Yes- they are. If what you are marking is laminated- you can use a marker and then wipe clean with alcohol.

[@Calladita07]

Hello Jen, it's hord for me now. I have a new job that I get paid monthly, and it's hard now to save money. All my money goes towards bills not able to stuff any of my binders ☹️

[@bratonyahines4761]

Hi!! Today's HH I did 50 cents for each win and had a total of $8 for HH!

[@2SisterBees]

Very nice job! 🙌

[@lisawulf1189]

For me that mini challenge is more along the lines of no vending from work because i don't eat fast food anyway. But that vend kiosk at work is my nemesis

[@2SisterBees]

Hahaaa- the vending machine. That is definitely something I’ve had an issue with before.

[@bethbeckwith7928]

#challenge time : Yes, doing the "No Take Out" this week. Hello Honey: save $21 - added together $3 - very,very low budget this week

[@PINKMOUTURE]

Love this challenge 😊

[@Tmichelle283]

Great video!❤❤❤

[@jiysjourney]

Fun fun video. Saved 15. ❤❤

[@mamadukes3020]

HH.... $17 and yes on the no take out challenge !!

[@anuvakeva969]

Damn. I did take put today. 😂 I really dont to take out very often. Last time was maybe in February or March I dont remember😂 Very easy to be without takeout usually because i dont really have the money to spend on take out ever😅

[@2SisterBees]

Hahaa! You’re ok! See what we do this week! I’m going to give another one on Sunday 💛

[@anuvakeva969]

​@@2SisterBees💛

[@barbieamica2023]

Hi Jenn I am starting a dental mini saving challenge. I am going to pay my dental bill, I ended up using my credit card instead of care credit and now I regret it lol So next saving challenge is going for dental saving. By the way is April still doing the cashless/digital method? I would like to see more of those videos. I am glad you finally got some home decoration, you deserve it No takeout food 😬🫨 I like the meme you added 🤗 I will do the challenge with you next week 😂😂 because unfortunately, I am already thinking of my coffee in the morning 🫢😩 Congrats on not having any debts 👏🏾 Do you have the link for the zipless envelope? I think I am going to start your way of 100 envelope saving By the way what is monthly party for again? I really enjoyed this video and motivation. Great video as usual 🎉🎉 God Bless you and your family my friend 🙏🏾

[@sharieffawiggins1554]

What do you do if you do t get the wordle answer in the six tries?😢

[@2SisterBees]

Hahaa- well, the game ends at 6. Just for saving purposes, you can do $6 OR I’ve penalized myself at that point and made it where I had to add $10 and pay $16 total.

[@sharieffawiggins1554]

@@2SisterBees nice. I just add a dollar so 7 if I don’t get it lol. I love your videos and games! Very fun. Do you have a6 dashboards for your freebies all I see are envelopes

[@marybaker8061]

❤❤ Hey! You feel like a sister to all us! 😂😂

[@marybaker8061]

❤❤ Love the honesty, Jen!

[@marybaker8061]

❤❤ Pump it up, pump pump pump it up!

[@marybaker8061]

❤❤ love that summer Wordle. Mt daughter was just commenting yesterday it was the longest day of the year. It felt like it with the heat index here! It was crazy.

[@marybaker8061]

❤❤ it'd be so cool if you announced a live and then did one!

[@marybaker8061]

❤❤ good idea about the Verizon!!

[@angelamelcher6497]

What is hello honey others have mentioned?

[@2SisterBees]

Hello! It’s a game that I play every Sunday on the channel. I am actually editing for this Sunday right now. 💛 Here is the one from last Sunday : kzbin.info/www/bejne/lWm8o55_fKyGrrMsi=XQB8dImw9YqPdLYA

[@angelamelcher6497]

@@2SisterBees thank you! I will check it out!! Subscribed to your channel today.

[@2SisterBees]

Awe, yay!! Welcome!! So glad to have you ! 💛🐝

[@Mey1084]

Saved $12 with HH

[@CatherineAndersen-l9q]

On 17th envelope saving 20 on friday

[@lizbrown3021]

I feel so stupid. Can I get a clarification? Step 1 emergency plan, step 2 kill the debt but can have savings for needs (like envelope challenges for birthdays), step 3 big savings. Is this right? Would step 2 be a 100 envelope challenge if it's for payoff of debts?

[@amandahaggan7062]

If you're trying to do something better for yourself, it's never stupid. I felt the same way when I started. The videos seemed to almost be contradictory- save your ER fund, then put everything to debt, but still set money aside to save... huh? What I found was that once I got my $1000 ER fund done, I had to look at what changes were made to "earn" that $1000. It didn't just appear, but I was able to cut back or cut out things to keep that money. I just kept at it, and instead of putting the money into the ER fund (it was fully funded) I put it into little savings challenges. Once I completed one, I would take that money and apply it to my smallest debt. Paying off debt while saving. I stumbled lots and sometimes I had to take the money out before the challenge was finished, like Jen chose to do in her video. The money is already yours, use it as you need to. Just don't touch your ER fund unless it's really an emergency. You'll be surprised with how quickly you can save a small amount, which can help your snowballing debt effect. Be patient with yourself and know that you aren't in this journey alone 😊 I hope this helped clarify things a little for you.

[@lizbrown3021]

@@amandahaggan7062 thank you so much! You explained it perfectly and I am so excited. We are a family of 10 and on 1 income, so we definitely accumulated debt. We have changed jobs and we are starting to see the sunshine thru the clouds. Husband is on board so we are ready to get debt free!

[@bigqueenbudgets2373]

I’m trying to find those scratch offs👀👀. Found Them😁

[@2SisterBees]

Oh sorry about that! We both have different ones - April’s shop has the bulk of them ! Glad you found them! 💛

[@Kimberly67749]

Good morning

[@1awsomeface]

I boosted my availability on my credit cards to 5,000 in 3 months by not using them and paying them off with more then minimum payments I on my way to being debt free🎉🎉🎉🤗

[@LivingLifeInTexas1836]

Let’s do $9 for HH. I find that I need small challenges that go faster… since I don’t currently have a lot of extra cash… I like mini challenges. I post my mini challenge videos every Monday!!! 💜

[@alicesmith7180]

Additional note let's adjust the mini challenge to have a bonus round for an extra savings. My goal this week for no takeout is $10 which I will add to HH.

[@2SisterBees]

Yes!! Bonus round! That made my day! 🙌

[@Rissascorner]

So, I learned something new today... I didn't know an ace was higher than a king ... I always played the ace as a one... lol

[@victoriajones3969]

Im currently doing the 100 envelope challenge, however, i have 6k in credit card debt. Should put the roughly 1k towards debt and stop doing the challenges or continue doing the challenge?

[@2SisterBees]

Hello! I would keep $1,000 as an emergency fund. You should have that for yourself just incase something happens. Then, once you have the $1k emergency fund- you should absolutely pay off debt. There is nothing that says you can’t use savings challenges to save the money to pay off the debt. I would use smaller challenges as motivation to keep saving and paying the cards off. My advice is to send in any payment you can to minimize the interest. www.ramseysolutions.com/dave-ramsey-7-baby-steps?gad_source=1&gclid=CjwKCAjw1emzBhB8EiwAHwZZxbYAdrNCqTbiVY99Qk1CxiCo46PLhv2JMYulyk_o2eCgwW5k15IRDBoCF-IQAvD_BwE

[@julieb6680]

What about your saving money, have a goal and then you end up having to use the money for an emergency… i.e. transmission repair 😢 Now need to start all over the worse….were does one begin?

[@PenniesMakeDollars]

New subscriber 🎉🎉❤❤❤

[@2SisterBees]

Welcome! Glad to have you! 💛

[@traceydufault297]

I'm in no takeout this week

[@cbamomsaves]

❤❤❤ love it

[@2SisterBees]

Thank you!! 💛 glad you enjoyed the video!

[@1awsomeface]

I save $5

[@deannafarley9893]

How do these games work

[@2SisterBees]

You just pick one that you like and start saving ! 🙌 If you haven’t tried it yet- you definitely should. Very addicting ( in a good way) 😎