Bill Exchange | End of Month Update | Cash Exchange | Ohmyfro Budgets

Hey Baddies! Good to have you back. Thanks for tuning into this episode of Bill Exchange | End of Month Update | Cash Exchange | Ohmyfro Budgets
This is my FINAL update for the 2022 year, while this is not my end of year review, this is an overview of how I will be ending the year finance wise. Enjoy baddies!
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0:00 - Introduction
For more cash stuffing tips and beautiful budgeting accessories: baddiesandbudg...
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OhMyFro Budgets
I'm Jaz, a 30 year old single entrepreneur. I am working hard to pay off my student loans, a few credit cards, a couple of medical bills and I’m in the process of repairing my credit. Phew!
My channel is ideal for those of you getting started on your budgeting journey. Come along and watch me as I navigate this process toward financial freedom!

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SUBSCRIBE for more envelope stuffing tips► / ohmyfrobudgets
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Check out these other helpful Budgeting Videos!
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#cash #budgeting #envelopestuffing #budget #finances

✨ MY BUDGETING ESSENTIALS:
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Clear Binder: baddiesandbudg...
Budget Workbook: baddiesandbudg...
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Disclaimer: I am NOT a financial advisor. This is my personal journey and I am choosing to share it with the world.

[@amanda4901]

Yes!!! I’ve been binge watching you for a week and am obsessed! Tomorrow my husband and I start our first ever cash envelope system, all inspired by your channel! ❤️

[@kaylinkidd8234]

This year I was able to save $4000 dollars in my sinking funds but I was able to also invest almost $20,000 in my retirement and I’m debt free (and I just started this in method in February) so next year I’m planning to push myself to save and invest more. I also plan to really search for my why because watching you really inspires me. Thank you so much for your videos and I hope you have a happy new year!🖤 Also I’m black and I have dandruff really bad in the summer because it is dry where I am so I recommend you try the cantu apple cider vinegar rinse between wash days because it’s made a world of a difference for me

[@D1vaDvyn]

Me too!!!

[@brianaharris]

Even though I use a cashless method for the majority of my budget, it’s so relaxing watching your videos. I appreciate how you’re never repetitive. Happy New Year!!

[@LegitLeens]

This year was extremely successful. Since June, I was able to save over $2,000, went from no credit to obtaining a good credit score and I got off financial housing assistance. The cash stuffing method is truly life saving. Thank you for the motivation and knowledge. I pray you have a blessed and and another successful year. I look forward to seeing your growth, Happy new year, Jasmine! 💙💅🏼

[@LifeWithTheChounardSix]

Those are great achievements! Great job

[@LegitLeens]

@@LifeWithTheChounardSix Thank You!

[@andudontstopyo]

I had a question about exactly what is closing out the monthly budget and BOOM 💥 your video pops up. Your a mind reader Jasmine 😂🤣 LOL. Great video! Happy New Year hun🎉🎊🎉

[@salemdianne]

Moving out tomorrow thanks to cash envelopes! Happy new year everyone!!!

[@gsdmom81690]

After I bought my house this year and a new car, I just started my sinking funds back in December. $1500 saved in just one month and I’m ready to run hard in 2022! I would have been clueless if it weren’t for you!

[@scorpioga2023]

❤just started really doing doing envelopes and saved a lil over 900. So proud of myself cuz usually by the end of the year i am struggling struggling

[@LifeWithTheChounardSix]

That's awesome having that much saved in the bank! We are working on a savings and emergency fund. I just deposited my 1$ challenge and Ira saving for a final payment.

[@emilysmith6511]

For me I started at the beginning of October and I saved a little over $1400. All thanks to finding your channel honestly. It really helped motivate me to save so thank you 😊❤ I just wanted to say thanks for all of us who have found motivation in your videos. I hope new years has gone well for you and your family.

[@misspam6044]

❤️ I just started today for my saving challenges because of your videos, thanks so much for teaching others how to do this. I’m looking forward to paying off my student loans with this method ❤️

[@kimwhitfield2544]

You are so inspirational to me. I am trying to get it together to budget and save. You keep me trying even though I have not reached it yet.

[@chebebabybudgets]

❤ I just started saving mid-December and have already saved $450. I feel 2022 is going to be a GOOD year for me!

[@bobkau]

❤️. You have helped me soooo much. I have saved over 14,000 $. Since March 2021

[@firesemissary]

Didn't do sinking funds in 2021 but did a 5k savings challenge 3 times!! And saved 10k for my school tuition. The 15k from the savings challenges went to pay off debt! So I'm starting 2022 debt free!!!!!!! This year, since the debt is gone, I'm starting to put money into sinking funds..largely thanks to you and your channel! Keep manifesting good things!! ♥️

[@jessicajansen8880]

❤❤ I have my emergency fund of $1000 set up and starting in on paying off my student loans because of cash budgeting 😍😍

[@dinobudgets]

I only got back into budgeting again in October, but I was able to put back a couple thousand between what I have in my sinking funds and the few savings challenges I did. 💜

[@christinecunningham8371]

I closed my month out as you were closing your month out. It's a cool feeling to be in this budget community where we are committed to succeeding!

[@TheBabyfaceBeauty]

❤️❤️❤️ I have not started yet! You have really motivated me to start and get on my side hustles!!! Happy 2022 lady!

[@ashleylewis8194]

Nizoral Anti Dandruff shampoo is really good. It use to be dr prescribed but now you can get it over the counter. My daughter suffered from really bad Dandruff and it worked wonders. Amazon, Wal-Mart, walgreens all sell it. Try to follow up with a hydrating shampoo and conditioner bc it does kinda strip your hair. I've told so many ppl about this and it works

[@ForeverSmashley]

2022 is the start of my savings and debt payoff journey. Looking forward to see what we can accomplish! ❤️

[@tammythomas2057]

Happy New Year! Thank you for sharing another great Video. I've been watching you on TikTok and IG and enjoy your content on those platforms as well....it just shows your dedication toward this Journey! Saving Money is NOT FOR THE WEAK!!!

[@wealthwiseteacher]

Baby you are the bank 😂 thank you for bringing me in the new year with you! Thanks to you i start cash stuffing in 2022 and applying pressure to my channel

[@candice8996]

I found you on tiktok about 6 weeks ago (give or take) and followed your KZbin. I've been watching you and a few others and have decided to try the journey for myself. Tomorrow I will be stuffing my first paycheck! I'm so excited and wanted to take the time to say thank you. Also, I also like watching the videos of condensing the money. Oddly therapeutic 😆 Keep it up girl! You're awesome!

[@korkeshaarrington7223]

💜 I wasn't really able to save money this year. But 2022 will be my greater!

[@mayralugo-case514]

Hi jasmine, I just started the new year by doing the $10 “Lips” and the self care challenge that I purchased from your shop. You inspire me to keep on saving and have fun while doing it. Also, you are doing a wonderful job in your savings journey. 💕😁💕

[@Baddiesandbudgets]

That is awesome!

[@BudgetwithDragons]

💚 I couldn't same anything due to my life circumstances but I do plan on that changing this year 🤗

[@RaShaysWorld]

❤️❤️❤️❤️ this was very beautiful first time watching and I will be restarting for the new year.

[@dreamingfool2]

I know you probably have a lot of suggestions about your dandruff but if you wouldn't mind one more: I have bad dandruff. It's not the fungal kind like Head and Shoulders is geared towards😕, it's more of an eczema kind of dry skin that has worsened as I've gotten older or my PCOS flares up. I've found lots of good hair masks and clean shampoo and conditioner (by clean I mean no parabens, sulfates, etc), and making sure I keep hydrated keeps it under control. Thank you so much for your videos you r inspired me to make 2022 my year to not live beyond my means.

[@kekylin2060]

Alright consistency!!! Girl u better 👏🏾 love seeing a new video from u… Keep the content coming

[@jeanieguillet1239]

❤ I was able to save $3,143.50 this year. I am happy and greatul for discovering the budgeting community. I have learned so much from you and all the other budgeters. Thank you for sharing your journey with us.

[@noralsdaughter]

💜 Just started watching you about a week ago and I got three A6 binders delivered today and a 100 envelope challenge box prepped! I'm readyyyy

[@tonyacore3553]

❤❤ i just started September 1st and i was able to save just over $5 000.00 and my other biggest accomplishment was that i paid for all my christmas with cash....NO CREDIT CARDS! i live that feeling. Tomorrow is the start of a new budget since my temp job ended today. Thank you for all the videos, i enjoy watching them and hearing how you did your budgets and saving challenges. Happy New Year to you and all your family.

[@terrie4568]

I will be starting this month for the first time using a budget system. Thanks for sharing with us.💜💜💜

[@catgodfrey6451]

Just fabulous. Happy 2022. I 💜 I saved $8,000 😀 I'm doing a No Spend January. I thought showing your SL journey was super helpful to those with the same debt. I opened a Roth IRA this year Thanks to your motivation

[@leahdurham3630]

❤ I am on disability and really cannot save much. I am hoping to get back to working part time so I can start. I am so proud of what you are doing. Happy New Year.

[@destinebailey1201]

I decided to go back and watch some of your older videos 💜💜 love watching you grind

[@Baddiesandbudgets]

Thank you!

[@vanessaguillen3601]

52 Friday’s is cool I love it 💜💜

[@denisemason4531]

❤ January will be my first month! Your videos have been very inspirational!!!

[@callistobanks4063]

I can't wait for your first Jan 2022 video! Happy New Year💕💕

[@irismorris260]

♥️. Starting the year off fresh

[@walaauqueen8462]

💛 counting out my sinking funds tomorrow and using those numbers as my starting for the year. 🥰 2022 is gonna bring great things to us!

[@jacquelinesbasketarrangeme4914]

I always enjoy your videos and set up everytime I watch. You are so motivational.

[@madisonblanding]

jasmine, try head and shoulders again except get the royal oils line!!! my boyfriend struggled all his life with dandruff/flakes and he tried that line and it literally got rid of it after one wash. he swears by it now!!

[@ashleygordon9822]

JAAAASSSS!!! IM TRYNA GET LIKE YOU! MY BOY!!!!! you are doing phenomenal and keep me making sure mine is in order. 3 months in and it's a life changer. Great job❤️

[@rachelbishop4008]

❤️. I’m starting fresh In the new year on my savings. (I’m in the UK so it’s nearly the new year) I was doing so well but I’ve spent a lot. I’m a single mum to 3 . My eldest had his birthday on the 21st of this month . We have too much stuff so I’m selling/ doing no spend days and hoping to build back my savings 🥰. Your definitely my favourite on KZbin. Your doing so well xx

[@aspencer5004]

💜💜💜I didn't start this method this year but I was able to squirrel away about 1,000 for Christmas and didn't struggle through the last few weeks. I even had some left over to buy the monthly savings challenges and the most ADORABLE mini pocket binder from your shop!

[@Pursuit_Of_A_Homestead]

You are goals, girl! Love your videos and love seeing all the progress you’re making on your financial goals 🙌🏽

[@JamieBeaugard]

Happy New Year 🎊 New Subscriber here! I love your videos and I am excited to get started on my journey of cash stuffing!! Thanks for the inspiration 🙏🏾

[@kristen4602]

Love watching these cash exchange videos! Thinking about doing a cash budget this year! 🖤

[@juliemcneil1543]

You are crushing it! I love your vids and have learned a lot.

[@auntkrystlebudgets]

🖤 starting fresh for 2022

[@queenbiababy]

apple cider vinegar helps do a rinse but make sure you use alot of water so you dont burn your scalp works like a charm :)

[@cassiew1734]

💜 I just started but excited to see how much I can save this coming year

[@loveiskindwalling7352]

I'm impressed and mesmerized by your videos. lol. Keeping track of everything really puts it into perspective. Bravo to you! ❤

[@natsbudget4040]

Great bill exchange girly and Happy new year’s 💕

[@janaryanngreene3654]

You did amazing this year! Can’t wait to see what you accomplish next year🙌🏽🙌🏽🙌🏽 Happy New Year Jaz🥳🥳🥳

[@LivingwithMarie]

YAYYYYY!!!!!!! I LOVE YOU!!!!!!! AND HAPPY NEW YEARRR!!!!!

[@mandanuggetz]

🖤 barely starting. Hoping September goes smoother. Thanks for the inspiration 🥰

[@budgetwithdoughva6849]

These are so satisfying to watch I seriously wasn’t going to consider doing these videos myself but it’s good to see these numbers up front. Thank you for always pumping out excellent content for us to reflect back on 💋🙏🏼🙏🏼

[@alyssanicole8926]

I love watching your videos. I haven’t started saving just yet cause I was trying to get my life in order lmao. im so excited to start and seeing your videos makes me excited to see what’s in store for me ❤️

[@313me2]

Please start over for the new year please. I’d like to follow along from January.

[@krissywithlovexo8893]

❤ i am starting my saving 🎉 I am thankful for you😊 have a great and awesome new year ❤

[@Patricia-xz1nw]

I’m starting over only to see how this year will progress.. Honestly it won’t hurt to.. not like you’ll spend all of it.. You can put it all in the bank and let it grow while starting over 🙏🏼

[@Krystalyn.]

I mean I think you should start over on sinking funds since you’ve closed some envelopes and also from that drastic change at the end. It’s always an amazing feeling to start fresh.

[@lifewitdacrown95]

Try Neutrogena tea gel works every time just add a lil to your fave shampoo

[@tanyasbudgetandchaoticlife3116]

💜💜💕💕 I just started my financial Journey and watching you has given me hope thanks!!! Happy and prosperous New Year!!! 💕💕🍾🎆

[@adriennecollins793]

❤️ I’m actually going to start mine tomorrow for next year.

[@stampin3]

Great video! I’m truly impressed with how much you save! Definitely goals!! 👏🏻 I started my budgeting this way mid-year and still trying to find what works for me. I have a good amount of debt, so must of my money is going towards that. My goal is to get it paid in half or in full during 2022! Happy New Years to you and your family! 💚

[@silynthiabudgets18]

Ummm... I didn't do very good saving in 2021, but I have a saver's mindset going forward💚

[@katimcgaughey2304]

This year my major focus is savings. Yes I’m going to pay some debt off as well, but I would feel so much better having more of an emergency fund so that’s my focus right now. Love your videos so much!

[@Mrzbudgetways]

I been thinking of videos I could upload, and just maybe I’ll incorporate end of the month updates. I think starting fresh with your envelopes is great I did with one of mine but just couldn’t do all of them.

[@leecya1301]

I’m just starting my budgeting. I really enjoy your videos. They help a lot!

[@alyssakalodimos7149]

I know you’ve mentioned before that you’re looking for new health insurance but I wanted to say it’s worth seeing a dermatologist when you’re able. Once I hit 25 my skin changed drastically and I had some skin tags removed, was diagnosed with a keratin issue, and found out the hyper pigmentation on my neck was because I’m pre-diabetic. There’s just things my regular doctor wouldn’t have been able to help me with and sometimes cycling through products on your own gets frustrating.

[@astoldbyasha]

💜 I started my saving and cash stuffing this month and looking forward to diving right in 2022!! Happy New Year!!🎊

[@bobkau]

Your my go 2 budget person. Since March 14,000$. Thanks 4 encouraging me ❤️

[@windes1]

❤️ Love your videos as always. I especially love the bill exchange videos. I’m currently counting what I’ve been able to save. I did the 100 envelope challenge and was able to save $6060! I changed it up a little bit. I started that on August 28th and finished the week before Christmas so some of that is going back to credit card bills. Thanks so much for inspiring me through your videos! ❤️❤️

[@emilybudgetz]

❤️ just started in September and after using money for Vegas, vet visits, and car stuff we have saved $2000 so far. Have huge goals for 2022 including a 20000 100 envelope savings challenge 😬

[@KrownedUniversity]

You are such a delight! God bless you

[@tjay3597]

🖤 I'm going to start this year! Happy New Year 🥂🎉

[@livinglifewithsummer]

Happy New Year, I absolutely love your channel.

[@renitaadkins3281]

I would like to say, I enjoy your Inspirational, you a Individual for Manifesting the Universe, your patience to break it down for anyone to understand. Happy 😃 New Year - 2022 4REAL- “Won’t He Do It.”

[@elainecarrillo5434]

❤️ I didn’t do savings but it’s a new year so I will start! TFS!

[@colleent610]

❤️ stayed until the end, love your bill exchange videos! Love the represented $100 in the bank bill! I haven't closed out my savings yet but going to do a few money challenges in 2022. Thank you!

[@bieditso2038]

I only save 602.00 but that's amazing because I never had that much on the side before . Listen I try not to miss your videos because I think your the one who used to use these big regular envelopes.

[@ieshamoore9583]

Great job! I haven't saved anything. I'm starting my journey this month though. Thank you for the motivation! ❤

[@TheJustJayJ]

I’m new to your channel and I went to the $1 tree and started my first challenge env. Saving! Thank you 🙌🏾

[@BloomingBudgets]

You still had a really great month! I was tempted to start my sinking funds over again in the new year too but decided against it!

[@jadejacksonhms7134]

💙 just starting my journey. Thanks for the inspiration.

[@jassdashh7984]

I have a dandruff problem as well but I use Apple cider vinegar and let it sit for a while before washing it out. Then I use the “As I Am” collection. Hope this helps just a little bit! 😊

[@missyrobinson929]

Happy New year Today is start of savings of 2022. 💕

[@mrsmcason]

I was waiting for this! Happy New Year love!

[@stn612]

Happy New Year babygirl. I cannot express to you how you encourage this lady here. I cannot wait for my first paycheck of the year. You are my go to, trust me. ❤

[@katsanchez8879]

I had to empty all my binders because life happened … so I wasn’t able to save anything at the end of the day… had to pull everything. But this month I’m starting fresh again

[@humbleddivaa6945]

I enjoy your videos you’re truly an inspiration and GOALS Happy new year 🎈🎆🎊

[@plannedlifestyle7958]

Your videos are so inspiring! Good Luck to you in 2022!

[@budgetwithcat8207]

Love bill exchanges! Great job on all of your savings!

[@almasolorzano5612]

I’m starting this coming month. Super excited!!! 💕💕

[@AdFamilyVlog]

I’m sooooo sad I missed the launch for the new 2022 challenges for the ones with the envelopes.. 🥺 BUT BIIIGGGG BLESSINGS FOR SOLD OUT IN 3HOURS 😊CONGRATULATIONS 🥂🤗❤️ SOOOOOO HAPPY FOR YOU

[@Baddiesandbudgets]

I’ll be giving two sets away here on KZbin so stay tuned! 🖤

[@AdFamilyVlog]

@@Baddiesandbudgets most definitely will be 🤗❤️

[@samanthacoats2031]

👍 enjoy your videos. Happy New Year!!!!