Budgeting Made Simple: How to Start the Cash Envelope Method

[@Sis.Encourager]

This is the most simplest form for me to understand! I've watched several! Thank you for helping me to get started. ❤️

[@lymanjoy]

Glad it was helpful!

[@CatherineElizzabeth]

Honestly came here to say the same thing!

[@thereyesfam9642]

Same!

[@MultiRusty50]

Thank you so much. This is most helpful. Explanations were clear and easy to understand

[@B-j747]

Omgosh I totally agree. 😊❤I've been trying to do this for a few months by watching others, however I only seem to find the videos if cash stuffing which doesn't help me know how to get to the actual point. I was still lost even when I thought I might have it finally. But now I really think I do "get it". Thank you so VERY MUCH. ❤

[@Mrsmadison45]

We liked your video, we use the Zero Balanced Monthly Budget, every dollar has a name ❤ we are debt free married 20 years, own house, 2 vehicles have 8 kids grown, and 22 grandchildren

[@lymanjoy]

Wow wow wow!! You are inspiring. Thanks for watching!!

[@kimkarnikaahandmadejewellery]

Wow. ❤ I enjoy being around people like yourself.

[@lamonamarshall2093]

I love how you broke everything down and made it simple to understand.

[@lymanjoy]

Glad you liked it!!

[@Lovely-ff7uv]

​@@lymanjoythis was the best 26 minutes I've spent in a long time! I wil try these methods for sure.

[@kimkarnikaahandmadejewellery]

Hi . I found some useful vdo s on your money & bodycare playlists saved them myself so thanks .

[@sandramish2229]

Good ideas! I believe everyone should Live below their means" adjust your lifest, be frugal, budget, save and invest. This helped me out as a 6 figure earner. I've grown over half a million in retirement savings with this method

[@lymanjoy]

Well said!

[@theresamish1746]

Congratulations ma'am so happy for you, I'm trying to get started I know it takes consistency to be successful. It's really so hilarious. Sadly there's actually people still living paycheck to paycheck

[@lymanjoy]

@theresamish1746 You got this!! I am still in the process of breaking free from paycheck to paycheck, too. One day at a time. 😊

[@nicolasfernandez222]

Great accomplishment keep it going , you said it all right there!!

[@eiraantoinette6793]

Antoinette NY, 39 . I Just started at my six figure job after being in and out of the poverty line. I really hope I don't end up like this. I'm scared really scared!!!

[@nicolemcclendon-b9x]

This was the BEST video. Others would stress me out so bad. Lol. This was simple and informative. Not that the other videos weren't; but, this was much easier to follow. ❤ Thank you for taking time to teach this.

[@lymanjoy]

Oh, that makes me so happy. That was my intention. ❤️😁

[@mymail1938]

Finally someone with normal nails! Beautiful.

[@lymanjoy]

I am a bit of a plain Jane. Just like to be me no frills lol

[@masalinas8219]

I just came across this video, yesterday. I'm so excited to try this method. I followed along, did my budget, and labeled my envelopes. I work part-time so I'm challenging myself to make this work on a limited budget. I've been on Fetch for the past year and I also make a tiny bit of money doing surveys online and bring in a little money selling some crafts. I asked God to help me with my finances and he blessed me with your video. It will probably take me a month to really see some progress but I know I will get there.❤❤❤

[@lymanjoy]

Praise the Lord. This is awesome, glad you are here and excited to see you succeed in this!!

[@lizknauel8727]

It’s nice to see this method making a come back. My mother did it and taught us, her children how to manage our allowance using envelopes.

[@lymanjoy]

Yes, it's been around a long time!

[@lynnyo1467]

Very organized budgeting. Love the cash envelopes 😊

[@dionnagarner8723]

Best video I’ve see thus far… I can get a grip on this saving and budgeting task now.. Thank you!

[@lymanjoy]

Glad it was helpful!! You got this!!

[@dionnagarner8723]

Do you offer these printable sheets?

[@dionnagarner8723]

Nevermind.. I see where you linked the binder, I’m assuming the sheets are included in the binder?

[@tessavanderhoof6560]

I have been watching cash stuffing videos all week ad this is the first one that makes complete sense! Thank you for breaking it down so clearly!

[@lymanjoy]

@@tessavanderhoof6560 i am so glad!!

[@Chelle-kd1po]

Best exlaination of a zero-based budget ever! Thank you!

[@lymanjoy]

I am so glad!!

[@simplyshaffer2012]

This video has taught me so much that I have been searching for, for months. I am so glad that I found you. You really break things down into simple things so it's not so overwhelming. I cannot express how grateful I am for you. Thank you.

[@lymanjoy]

I am so very glad. Happy your here!!

[@xoxoluvsuxoxo]

Thank you for breaking down everything. I’ve finally been able to budget by paycheck with your video 😊

[@lymanjoy]

I am so so glad!!

[@phantomtroopyt]

Your channel is growing substantially! Keep going!

[@lymanjoy]

Thank you!

[@phantomtroopyt]

@@lymanjoy Thought i'd comment to boost the algorithm

[@pnwlaf]

Thank you! A few months ago I started watching videos about savings challenges because I wanted to save some of my limited senior income. Right away it became clear that I needed to start with a budget. This is the most simple yet comprehensive instructional video I have found for getting started. This is also the only video of yours that I've watched. I have "liked" and subscribed and look forward to exploring your previous videos. ☺️

[@lymanjoy]

I am so glad you're here!! I do a weekly cash stuffing or saving challenge video on Friday. That can give you a how-to and how I do cash stuffing on a weekly basis. Hopefully, keeping you encouraged and answer any questions along your journey. Then Mondays I release an informational video regarding cash stuffing, saving challenges, and wealth building tips and tricks. If you ever have questions or I can help in any way, please just ask. Take care.

[@pnwlaf]

@@lymanjoy I'll be watching for notifications. ☺️

[@normamares5057]

I like how you explained everything and break everything down slowly and mercy😊

[@lymanjoy]

Awesome!!

[@lisaramos4247]

I have to say what most people have said about this video, it is the simplest way I have found (And I have watched a TON of videos) to start my budget journey! I am so excited to begin saving and stop living so frugally! Also, I loved 🥰 your binders and how they were all divided up!

[@lymanjoy]

Thank you for those kind words. I wish you the very best on your budget journey. 🙂

[@beyoutifullynatural9451]

Best video ever. This exactly how I budget. You explain everything so well and you gave me a new envelope idea I really needed

[@lymanjoy]

Glad it was helpful! Thanks for the kind words!!

[@paliejeanne]

WOW!! Thank you so much. I struggled to learn how to start. You were so helpful!

[@lymanjoy]

I am so very glad it was helpful. If you ever have question please ask, I love to help!!

[@rrsharplikeasharpieeee]

Thank you so much for doing this. I've watched so many and each time I'd finish confused. This was articulately explained and to the point. Thank you again.

[@lymanjoy]

So very glad 😊 thanks for sharing that with me. It makes my day!!

[@BlackisBeautifulBudgeting]

This is the best I have seen for even a baby can understand and be stacked in pre-school.

[@SunshineFL]

This is fantastic I just received my book today and I followed my budget exactly how you just did your budget and I just have to work on zeroing everything out because I had quite a bit of money left over and plus we get all of our money at the first of the month and the end of each month so it’s not exactly every two weeks so it was kind of challenging. It’s more like once per month.

[@lymanjoy]

Sounds like you are on your way, though. Great job for taking action. I bet this time next year you will be in a whole new financial spot!!

[@sister2mysoul]

This has been the MOST HELPFUL cash stuffing video that I have watched!! No offense to anyone else... yours makes the most sense! Thank you 🤑💚

[@lymanjoy]

I am so very glad 😊.

[@lizbrown3021]

Family of 10 here! You are so inspiring, thank you for being here!!

[@lymanjoy]

Welcome, thanks for watching 😃 ❤️

[@808Blessed1]

Hi I watched a lot of budgeting videos but your video I really like. I like the way how you break down everything on paper. This really helped Thank You for sharing.💜

[@lymanjoy]

Oh I am so glad!!!

[@JenniferD.-wt4uj]

I feel you have the best information on how to budget and other savings challenges and that I'm able to understand them and how to go about how to do it right, so thank you so much!!!❤

[@lymanjoy]

Thank you for those encouraging words!! I am so glad you find them helpful. 😊

[@dianaviera6228]

Thank you for this video!!! This is exactly the explanation I needed!!! I started in October but once November hit, I had expenses I did not know was coming. Ex: license renewal was $100! So things like that I never thought of. I know realize that auto taxes are due in August so that will be another envelope. This video opened my eyes and now I can make a plan and move forward. 💜💜💜

[@lymanjoy]

I am so glad you found it helpful! 😊

[@robinlanders8551]

I truly appreciate how you made that so easy to understand. I actually just purchased that workbook so it was nice to see you use that. Thank you for taking the time to explain everything so throughly.

[@lymanjoy]

So glad it was helpful!!!

[@securitymonitor389]

Thank you SO much for simply explaining how this method starts; I'll definitely refer you video to others.

[@lymanjoy]

I am so glad 😊

[@TrinaRoach]

I have tried to do this for years and you are the first person to break it down step by step. Now I get how to work the snowball in. Thank you!!!!

[@lymanjoy]

That's awesome, I am so glad 😊

[@madethemlook]

I’ve watched a lot of budgeting videos. This one is the best! Thanks a lot.

[@lymanjoy]

Thank you, that is very kind. I am so glad you liked it!!

[@tamihill4229]

Ere did you get the form

[@lymanjoy]

@tamihill4229 Link is in the description of the video. But on amazon, the simple budget planner.

[@maryruhland398]

Fellow heart mom here! You're amazing!

[@lymanjoy]

Glad your here!!

[@BudgetsWithELMA]

Awesome video, very informative! Love your desk setup and cash envelopes ❤

[@lymanjoy]

Thanks 😊

[@sassyk418]

Finally a video that explains the method clearly. Thank you 😊

[@terrimosier4393]

Yes thank you for explaining it a lot better then others. Sometimes seeing is better for ppl. ❤

[@lymanjoy]

Glad it was helpful!!

[@madamkiwi1094]

Great video, realistic wages and bills, easy to understand.

[@lymanjoy]

So glad, that was my goal!!

[@AnnCashes]

Thank you for this video!! It's so important to stay on top of finances. Its so encouraging to watch people making a plan and sticking to it...the hard part!!!

[@lymanjoy]

Thanks for watching 😁

[@OpheliaBarber]

I liked how you broke it down and explained everything. Watching other videos was somewhat confusing. Thank you, now I have an idea of what I need to do to start saving and staying on a budget too.

[@lymanjoy]

I am so glad it was helpful!! Happy Cash stuffing

[@ReadingGrandma7351]

I’ve looked at so many of these videos. This is the best.

[@lymanjoy]

@eviescheiman7074 Thank you, that is so kind 😃

[@budgetfoursuccess]

I love how simply you put this. Amazing video 🥰💙!

[@CristaBudgetsPlans]

Love LOVE this video, now this method I clearly understand.

[@lymanjoy]

So glad!!

[@FUNin_mylatterlife]

I loved the way you made it so simple to allocate every penny. Love this.

[@lymanjoy]

So glad it was helpful!! 😃

[@elainyacrayton1115]

I've realized that I need help with my finances and you have help me get it together. You way is so simple to understand.

[@lymanjoy]

I am so glad!!! If you ever have any questions please don't hesitate to ask!!

[@lynnyo1467]

Great ideas! Love the way you show how to do this method.😊👍

[@lymanjoy]

Glad you liked it!!

[@vcruz848]

Thank you ! Finally, I made a budget I can manage and understand. Thanks for all the help.

[@lymanjoy]

Yeahhhh, if you need any help along the way, please don't hesitate to ask. It's sounds like it's going to be a great year of financial wins!!

[@klaakso]

Thank you so much for inspiring me to start cash stuffing!! I definitely have some goals !!

[@lymanjoy]

You can do it! I am excited for you. Let me know if you have any questions along the way. 😊

[@marylynmiller5158]

A very thorough and comprehensive explanation, Laura! TFS

[@lymanjoy]

You are so welcome!

[@classical7]

I've watched a few videos before you'd, but I found your explanation to be the simplest & useful. Thank you.

[@lymanjoy]

I'm glad it was simple and useful. Thanks for watching. Have a great day!!

[@fla9086]

This video was such an eye opener. This is the first time I could truly understand this method and I'll try to do it too, so thank you very much for your tutorial.

[@lymanjoy]

Oh, that makes my day!! That was my goal. If you have any questions along the way, please ask. 😁❤️

[@JaRicanJem]

You explained this so well !!! Thank you. It was easy to understand and to follow

[@lymanjoy]

Glad it was helpful!

[@spicebudget]

Very good that was simple. 👍💜

[@natureselement7588]

Thank you for keeping it crazy simple. It never made sense to me before now. Appreciate your break down and the explanations.

[@lymanjoy]

Oh, that makes me happy. I am so glad!!

[@LUCKY_ASHB]

Your channel is amazing!! It’s overwhelming when starting but fun savings challenges even if they’re mini have made it more fun for me

[@lymanjoy]

Right savings challenges big or small just make it more fun and motivating. I started very small!

[@tjiarrikapayne2251]

You literally have the best budgeting video I have seen you get straight to the point and it makes sense thank you ❤

[@lymanjoy]

Thank you that is so very kind. I am so glad it was helpful!!

[@sarahwesterveld6251]

Thank you so much for your clear explanation & demonstration! 👍

[@missladygray]

This is a really helpful video. Thank you for this

[@veronicaparodi3853]

i have to thank you. finally, I understand how this work! I'm starting now!

[@lymanjoy]

Wonderful! I am so very glad it was helpful!! Happy budgeting and cash stuffing.

[@hilariaarevalo6224]

I want to say thank you for breaking down on what you would do to budget. I’ve been wanting to budget my finances for a very long time now. I just didn’t know how to start or where to start. I stumbled upon the cash envelope system and I’ve been afraid to start it. I’ve always failed. But this year I really want to give it a try. Watching your video really did help me. I am going to give it a try. Again thank you for this! I will definitely be watching for more tips.

[@lymanjoy]

This makes me sp excited for you!! If you have any questions along your way please ask!!

[@hilariaarevalo6224]

@@lymanjoy I do have one question. What type of savings challenge would you recommend for a beginner? I want to do the 100 envelope challenge but I think that might be too much to start with as a beginner.

[@lymanjoy]

@hilariaarevalo6224 the 100 envelope is a hard one cause it takes forever!! So I would suggest a 52 envelope one or a even smaller low income starter. I will link two below www.etsy.com/listing/1560507898/50-envelope-challenge-smaller-box www.etsy.com/listing/1496996194/low-income-savings-challenge-scratch-off

[@hilariaarevalo6224]

@@lymanjoy thank you so much for the advice. I will definitely look into these challenges 😊

[@PenelopesPerspective]

This is the best explanation I’ve seen. Thank you!

[@lymanjoy]

Glad it was helpful!

[@ChikHomeHobbies]

This video is very helpful and easy to understand. Thanks!!

[@lymanjoy]

I am so glad!!

[@latriceh3792]

Love this. You made this look so much easier

[@S.Mica516]

Wow this is a great easy to understand video , wish I found this sooner!

[@lymanjoy]

Love that it was easy to understand!!

[@MoonCafe-sd1qp]

Very useful tips, thank you 😊

[@breez803]

this is the BEST, most simply explained video. Thank you so much for all of the helpful advice. At first, I was overwhelmed with trying to start my cash stuffing but this video makes me excited! 🤩

[@lymanjoy]

Oh, I am so glad you found it helpful that just brings me joy. Happy cash stuffing!!❤️😊

[@fourdayhomestead2839]

The envelope system works for me with variable income & monthly expenses.

[@lymanjoy]

Awesome, it makes it so empowering to know where your money is and where it's going!!

[@laceybayliss6581]

Thanks for this ! I did this my self on paper half way through the video come back and continued the video and I’d automatically done all the other steps this must be the one for me !!!

[@lymanjoy]

Fantastic! Great minds think alike. 😁

[@yolandawebb3032]

Wow I really appreciate the video.. very honest and straight to the point these other people just run their mouth the entire video not saying anything at all.. new subbie

[@lymanjoy]

I am so glad you liked it!

[@vanessa4513]

I subbed you, I am going to use your video to show my budgeting group how to do this. Thanks for the easiest tutorial

[@lymanjoy]

Awesome! Thank you! So glad it's helpful. 😁

[@lynnyo1467]

I LOVE how straightforward this is! Thank you for sharing this!!😊

[@jeriheggie]

Appreciate this break down 🤗 starting cash stuffing this month and documenting it on my KZbin channel 😅 hoping it helps us save!

[@lymanjoy]

Awesome, what's your channel? I love to support you!! Thanks for watching 😁

[@jeriheggie]

@@lymanjoythanks for your interest. This is my channel name Jeri Heggie.

[@Thereallisadee]

Very well done 🎉

[@michaellawsonspeaks]

Cool. I love it!!!

[@perlaortiz159]

You do exactly what I do and I try to keep and stay with the same routine and it has been good for me lately and I absolutely love it I save and have enough to pay my bills but splitting your check the most important thing is the rent is the first thing that you have to take out electricity of course everything that's more important and then think about the least important to put aside

[@lymanjoy]

Thanks for sharing!! I love it too and it's nice yo know where all the money is going!!

[@marlenerami3151]

Excellent informstion. I like the envelope idea.

[@humbertocorrea9292]

This is the best video for budget I saw so many thank you

[@lymanjoy]

I am so glad it was helpful!!! 😁❤️

[@humbertocorrea9292]

@@lymanjoy all the videos I have seen are so confusing 🫤

[@lymanjoy]

@humbertocorrea9292 well I glad mine was simple. I tried to make it that way. If you ever have any questions, please ask, I am here to help.

[@charlottehetherington8720]

This is fantastic and you explained it so very well thank you

[@lymanjoy]

Thanks for watching 😊

[@patricestull7780]

I LOVE THIS METHOD, IT'S EASY TO UNDERSTAND ❤

[@lymanjoy]

So glad!! 😁

[@Mann2013]

Literally I’m saving this video. Once I begin my budget journey I’m definitely referencing back to this video. Thank so much for putting out this video. You made it so simple to understand. I’ve watched so many people on here doing budgeting and not one, has taken their time to break it down the way you have. They usually jump into counting their money they’ve saved right away😂😂😂. Thank you once again. You’re awesome for this. Really, I can’t wait to start thanks to you. ❤❤❤❤❤. I definitely subscribed. Lol

[@lymanjoy]

I'm so glad it was helpful! Having a simple plan can be all the difference. Can't wait to hear how it goes for you. Let me know if you have any questions along the way!! ☺️

[@Carolmaizy]

This was very helpful!

[@lymanjoy]

Glad it was helpful!

[@Hollywood-p2c]

Very nice.

[@TrudyLetson]

great video really helpful

[@lymanjoy]

I am soooo glad!!

[@beckygutierrez8749]

Thank you! You made easy to understand I’m ordering everything I need to do this 😊

[@lymanjoy]

Yeaahhhh....glad it easy to understand. Happy cash stuffing 🙂

[@TinoSparks]

Best video ever

[@lymanjoy]

You are so kind, thank you for watching ❤️

[@lindaryan4148]

Great video. The way you presented it is the best I have understood. Thank you.

[@lymanjoy]

You are welcome! Glad it was helpful!!

[@Mony0425]

This is amazing and easy to follow. I am going to start for October and get all the tools I needs including looking back last three months. Thank you and a new subbie here.

[@lymanjoy]

Welcome. I'm glad you're here. I can't wait to hear how your journey goes. Happy Cash Stuffing!!

[@yvettehernandez369]

Thank you. Love the way you broke it down!

[@lymanjoy]

You are so welcome!

[@banana72]

Love your video. Subscribed! Thank you for the information

[@lymanjoy]

Glad your here!!

[@MotivationalMinute2024]

I really hate budgeting but you made it kinda cool. I’m going to try this and maybe I can make it work!!

[@lymanjoy]

It can be empowering!! You got this.

[@MotivationalMinute2024]

@@lymanjoy thanks I just got the rose gold budget binder from your link, guess I’ll be watching more of ur vids to learn to use it correctly. Thank you for sharing your knowledge with us!

[@kariwilson5766]

I love your envelopes

[@TheKrispyKidd]

Very helpful!

[@lymanjoy]

So glad!!

[@patriciahogg5763]

Well done!!!

[@moneywithjustliving5258]

New Subscriber here! This is a great video, thank you.

[@lymanjoy]

Glad your here!!

[@mistye277]

Wow, clear explanation! Thank you!

[@lymanjoy]

So glad it was!

[@Sum1Budgets]

Loved the video very informative thanks for sharing! 💕🦋😊

[@katelosteter]

This was explained so simply! I started my cash budgeting journey a few months ago and I think I made too many sinking funds envelopes and I haven’t been able to even stuff yet! Thank you for thoroughly explaining this for us! So helpful!

[@lymanjoy]

Oh I am so glad 😊

[@sherrimcleod31]

Well done and well explained I loved your video and how you do it!!! vkeep up the gret work!!!!!

[@sherrimcleod31]

see you next Friday!!!!!

[@lymanjoy]

Thank you! Have a great day

[@debluvjesus3823]

Less complicated Thank you

[@PursuingPeace]

Love it!!! So helpful! Thank you! Where did you get the paper lining some of your envelopes in the white binder? I love that you can see the cash but it's still kind of hidden away. ❤

[@lymanjoy]

Got them on etsy 😁 look for peekaboo envelopes so many great ones to choose from!!

[@LCmonman]

Tip: most utilities have Equal Pay options. This helps a ton with being able to have a consistent amount to plan the budget every month

[@lymanjoy]

Yes!!! That's a great tip. Thanks for sharing. 😊👍

[@michelldurbecq2901]

You just have to be careful when they do the yearly audits when they adjust your payments either up or down