BREAKDOWN OF MY BUDGET BINDERS & CATEGORIES | CASH ENVELOPES & SINKING FUNDS FOR BEGINNERS *closed*

[@brendaberkley7422]

What I like about budgeting after trial and error, is that it has shown me how Ive over spent, what I could have saved if I write everything down then ask myself is it a need or a want. This has afforded me the opportunity to reach some of my goals and will allow me to allocate funds in other areas. I have at least five binders. Envelopes change once goals have been reached. Im so grateful for this community as well. Keep sharing ideas and ways to help us future our goals, one step at a time. It’s a marathon not a race! Blessings to the budgeting community!

[@ThisLittleBudget]

I couldn’t agree more!

[@christinareeder8688]

I’m new to budgeting but what I have loved is having the money for emergency things that pop up…I never had the money for this and would stress out trying to figure out how we were to come up with the money…it is helping me with the stress.

[@nanou8746]

I love the way you explain each of your binders. What I love about budgeting so far since I started in the beginning of July 2022 is that I learn how to prioritize what I need verses my wants and also able to save by assigning all of my funds into categories such as sinking funds etc. Thank you

[@ThisLittleBudget]

Thank you so much! Prioritizing needs and wants was an important lesson for me. Good luck with your journey!

[@BlackNBlue10_4]

Aaawww I love that day care drop off went well!!!!!

[@ThisLittleBudget]

💕

[@CanadianFinanceJourney]

New subbie! Love seeing how people setup their binder so lovely video! 🤍 Looking forward to watching your other videos as well!

[@redtoblackbudgeting]

Hey Natasha!! Love the breakdown for your binders!! I use to have to do my daughters hair and she is all natural also and that’s work!! She now has locs and we go in to get it done… saves time.. so I totally understand!! What I love about budgeting is that it has help me to pay off this debt… I m not done yet… but it’s helped me to really get over $40k paid in the last 3 1/2 years!!

[@ThisLittleBudget]

Hi!!! I’ve thought about locs but I’m waiting until she’s old enough to have an input on how she wants her to look.

[@abeybudgets]

New subbie! ❤ that glasses envelope would’ve come in handy for me a few years ago. I used glasses from 6th grade til I was 27years old! I paid $500 every time I got new glasses cuz I got additional features to it. I think I bought 5 total over that time. But then! In 2020, I finally built the courage to do lasik and girrrrrllllll…. It was LIFE CHANGING!!! See if you’d be eligible to do it! And save up for it! When I had glasses, my kids would take it and hide it. I wouldn’t be able to go to work sometimes cuz I wouldn’t be able to drive without it 🤣

[@ThisLittleBudget]

Lol…I’m scared to get LASIK. Idk why

[@RosaKing8]

I love the binders, I love do saving challenges. When I am doing my budget is so relaxing for me. When I know where is going my money is so satisfying 😌

[@ThisLittleBudget]

Thank you! I enjoy spending time with my budget. Even when I get a little overwhelmed, I’m not running for the hills lol

[@latinbudget]

Hey, new Subbie! Set ups never get old love these videos see all the styles and esthetics of each individual. Great video.💜💜💜

[@mandystephen7486]

Love your share....thank you. I just started my natural hair journey after relaxing for most of my life. What I love about budgeting or cash stuffing is allowing yourself grace because it is q process and you won't get it the first time but when you are able to pay for something because over time you saved for it, a little at a time and don't feel the pinch of trying to find the money to pay had you not done the cash envelopes. Sorry for the lon explanation.......🤣🤣🤣🤣🤣🤣🤣 keep sharing and I'll keep watching....loved the video💕💛💕💛💕💛

[@ThisLittleBudget]

Thank you and good luck with your natural hair journey! No need to apologize! That feeling is the best in the world. It’s makes the sacrifice of saving worth it 🧡🧡🧡

[@tamikajones6970]

I love the binders and I use the penny challenge to add to my daughter's savings account and any change leftover from cash purchases is used for her cash on hand. I used to save $1's and $5's with her initials on them when she was younger and will start that back in the near future. It is a great way to save and it adds up quickly.

[@ThisLittleBudget]

Thank you! It amazes me that penny challenge can add up to almost $700!

[@tamikajones6970]

You are welcome and it amazes me too. 😊 I have started a 2nd penny challenge to build up a buffer for my checking account.

[@kogburn963]

I love knowing where my money is going. Giving it direction makes me feel like I have some control. I hated feeling broke right after pay day. I also like that I can plan to get whatever I want

[@ThisLittleBudget]

That feeling was the worse especially if payday was on a Friday. I would have a great weekend but it made Monday feel worse than it already felt

[@lemonstolemonadebudgets4989]

I love how you have your binders separated, I’m trying to figure out my categories. I love budgeting because I’m not living pay check to pay check anymore and this is the first time in my life I have had money saved.

[@ThisLittleBudget]

I definitely feel you on not living paycheck to paycheck anymore!

[@eSusan12]

I love the multi binder system.

[@ThisLittleBudget]

Thank you!

[@sharondayancey1120]

I like about budgeting that it helps you to take control of your money in a better and healthier way. Thanks for sharing your knowledge!

[@ThisLittleBudget]

You’re welcome. Thank you for watching! I agree especially with healthier way to control your finances.

[@dee-clutteringqueen5881]

I’ve always been a numbers kind of person. Love managing money so why not manage my own money well. Doing this has for the most part kept me debt free except for the few occasions there are must haves.

[@ThisLittleBudget]

Number can be overwhelming for me but these are numbers I control so budgeting has become less scary over the years.

[@pennylivengood6469]

Thanks for this video, still trying to figure out my sinking funds! I started budgeting July 2022 and I love knowing where my money is going and realizing I have money to save!

[@ThisLittleBudget]

You’re welcome! Good luck with your journey! You’ll discover what works best for you and your family.

[@britniebudgets]

I just started my cash stuffing and budgeting journey but I love the challenges! I’ve finally found something that makes me want to and love saving money more than ever now! And there are so many creative and easy challenges to use to help!

[@ThisLittleBudget]

Agreed! Challenges keep everything fun and interesting. And you can make a challenge out of anything! Good luck with your journey!

[@TwistedBlonde]

Great video !!

[@FortyPlusLife]

Hi Natasha! This was great, love seeing what/why people use their envelopes for different things! Hey! HEY YOU! lol What don't I love about budgeting? This is something that should be taught in schools like a requirement! I think we'd all be in a much better place from the start if they taught us this. But what I love about budgeting is that it keeps me accountable and it shows me what I'm spending and what I shouldn't be spending on. And that's when the envelopes come in. So I do my regular budget and then spread the extra stuff into envelopes, so that I'm always set for when something comes up. And of course with a lil' bit for myself. That's what I love the most! It makes me NOT spend the money like I used to! Hope you're doing well! 🖤🤍❤

[@ThisLittleBudget]

Hi Veronica!!!! Thank you for watching!! I definitely agree that it should be taught in schools. I wish I knew about this tens years ago but better leave than never. We’re doing well. Still getting into a routine with 2 kiddos at home.

[@FortyPlusLife]

@@ThisLittleBudget So glad to hear! 🤗

[@IDesireeWealth]

hey I'm here watching great video so far. I think with everything I have done to my glasses I pay about $200 yearly or close to it.

[@ThisLittleBudget]

Hey! Thank you! So I paid $187 but if I add the additional $48 they didn’t cover I’m paying about $235 which is still much cheaper than what I used to pay. I’m adjusting my budget so that I have the full amount plus some

[@IDesireeWealth]

@@ThisLittleBudget a great job for adjusting your budget.

[@Sitasbudgetingjourney]

New subscriber. Awesome breakdown

[@FiguringOutRetirement]

Budgeting keeps me accountable and aware of where the money goes. Previously, when I didn’t budget money was going wherever 😂and I was always robbing Peter to pay Paul🤦‍♀️

[@LaTora007Johnson]

New Subbie ❤❤❤

[@HandsBands]

Already back at work? Dang that feels like it flew by...

[@ThisLittleBudget]

Right!!! I need at least 4 more weeks lol

[@HandsBands]

Girl the natural hair life... me and the twins... they have hair down to their butt. I wish we could find someone here I could pay to care for us. For now... IT'S ME!! IM HER lol

[@ThisLittleBudget]

Lol God bless you but you’re doing something right because hair down their butt….natural hair for the win!!!!

[@eSusan12]

Do you have a FSA or HSA at work?

[@ThisLittleBudget]

I believe we have a FSA but I think I missed the enrollment period.

[@HandsBands]

Hello!!!!

[@ThisLittleBudget]

Hi 👋🏽