Family Budgeting: HOW TO MAKE A BUDGET THAT ACTUALLY WORKS FOR YOU: Sinking Funds and Cash Envelopes

[@joshuayoung9913]

Thank you great advice and methods. This may have just saved my relationship. My Gf is now looking into budgeting.

[@LininUpDucks]

Oh!!! You have just made my day!!! Please feel free to message me through social media if you have specific questions. I don’t mind at all!

[@LininUpDucks]

Thank you for watching!!!

[@joshuayoung9913]

Will do for sure. I ran got ink and printed off your Spending Plan. Will be going over our own budgets tomorrow!! Again thank you.

[@janelroseberry9108]

I love that you say "every mama needs an easy button"! It has taken so much guilt off me! Thank you

[@OSCOTT101]

I am rooting for the balloon!!! Also terrific content. You make it so easy to understand.

[@LininUpDucks]

LOL....Alas...this is the last video the balloon makes an appearance in. But hey....We only paid $1 for that balloon and we have gotten our money's worth! Thanks for watching.

[@jennyjenny3531]

New sub here. This video is awesome, and thanks for the printable!

[@betsy35386]

Loving all your vids! Due to covid I’ve had to stop my cash envelopes. Please do video on bank (cash envelopes) system. Also pray RV life if going well. Thanks

[@fourdayhomestead2839]

I've been looking for one to download. Thank you for the spending plan!

[@LininUpDucks]

My pleasure!!

[@charloettelay8971]

I needed this video. I am just starting and kind of had no idea how to get it started or how much you put in each envelope. 😊

[@bonnieirasid9836]

My first time tuning in - will you do my monthly budget? LOL You made this look so easy… I will be tuning in as much as possible to learn how to do this and so efficiently……

[@michelleseminara7320]

Hi! I love the way you explain the budget. I am absolutely going to follow your example. I have been struggling for sooo long on how to make ends meet and understand how the monthly versus yearly expenses work together. You opened my eyes to ...ohhhh that’s how it works! It makes so much sense to put money aside for future expenses such as Halloween, Thanksgiving and other holidays as opposed to waiting the last minute to shell out cash and be left broke. Thank you for sharing this. :).

[@LininUpDucks]

Comments like yours always make my heart happy! The launch of our budget workbook and cash envelopes should be before the 15th of June so keep your eyes peeled. I will put several notices out!

[@dianedavis9092]

New Subbie!!! Thank you! Thank you! Thank you! I have never thought of splitting up my bills before. I'm using my stimulus check to set up my month ahead fund today! The printables are great :-)

[@LininUpDucks]

Yea!!! I’m so excited for you! Thank you for watching!

[@michelepace777]

Thank you so very much!!

[@zhernandez8287]

Love these tips. Thank you again

[@LininUpDucks]

You are so welcome!

[@squeekiedodson5448]

Please please help me, I sit and watch your videos over and over again. When my kids were small I could budget and stretch our money till it cried. lol! Now that it is just my husband and myself, I don't know where to start. I have watched videos and read books till I can't, but I still don't know where to start. Help me if possible. Thank you for your videos and teaching, it is very helpful. Thanks again, Annette

[@LininUpDucks]

I know you can do it! Feel free to email me any specific questions [e-mail]

[@NaturalFitNurseRN]

Awesome video I love it ❤️! Thanks for sharing 🥰

[@LininUpDucks]

thank you!

[@blessedlifewithlaura]

I love your videos!! So very helpful..

[@LininUpDucks]

Thank you!

[@blessedlifewithlaura]

Linin Up Ducks you’re welcome

[@harrietjohnson9315]

Thank you for sharing

[@LininUpDucks]

Thanks for watching!

[@susanhabeler3908]

Thank you for sharing. How much could be saved by using cloth diapers? It would also decrease waste in landfills and help save the planet.

[@LininUpDucks]

I have friends that did really great with cloth diapers other friends had a lot of trouble finding daycares that would do cloth diapering. If there were still diaper services I would have been all over it.

[@squeekiedodson5448]

Hello again, you said if I had any questions I could ask. Ok, to break down the bill into deducting a little from each paycheck. How do you get started doing that? Do I need to get a month ahead to be able to pay them like that? Why is this being so difficult, I think I'm making it more difficult than it is. Still yet, it is just not clicking for some reason. I printed out your form to go by and I have filled it out, I think it's right. Now I just sit and look at it, I guess it's suppose to tell me what to do next. Any help would be most appreciated. I also wanted to let you know that I love your story, you are one amazing women. And you have a beautiful family!

[@LininUpDucks]

Yes generally you need at least half a months expenses set aside to start breaking up all of your bills. I just did a new Video on it. Check it out and let me know if you are still confused. kzbin.info/www/bejne/m4Obcmyij9SXl6c

[@orangebanana9956]

Great video! Definitely going to implement this in my life. Did you study finances by any chance? (;

[@LininUpDucks]

I was a budget analyst for a large company for the last 5 years of my sticks and bricks career. 🥰

[@orangebanana9956]

@@LininUpDucks to bad you quit… seems like you’re pretty into this stuff ;)

[@NotoriousKym]

Would you be interested in doing a live stream? I'm looking for a co host to help first time home buyers start at ground zero

[@LininUpDucks]

Sure. Just email me and let me know what you are thinking about. My email is [e-mail] thanks for watching!

[@squeekiedodson5448]

Oh please help, very confused! You and your video's have been such a help to me and it is one that I can follow. When it comes to our sinking funds, I get paid every other week and my husband gets paid on the 4th Wednesday of the month. So I am totally lost, should I just do my paycheck for sinking funds?

[@LininUpDucks]

The best way would be to assign different expenses to each check. For instance, if your checks covered all of your bills then assign your husbands check to fund all of your sinking funds or visa versa. You are definitely not the only one with this question. I’m working on a video about differing pay cycles.

[@squeekiedodson5448]

Linin Up Ducks thank you that was a big help. I hope you have a wonderful day tomorrow. Truly Blessed

[@sh3ena7]

Hi, we have variable income. How can we set up our family budget? Thank you!

[@LininUpDucks]

I have this question a lot. I will film a video about this for you. Probably in a couple of weeks.

[@Olivia-jy7ty]

When you are making this style budget, how can I divide my monthly bills/expenses and still make payments on time?

[@LininUpDucks]

Hi Olivia thanks for watching! We have a month ahead fund for our bills so we pay this month’s bills with last month’s money. This video explains it in detail. Get a Month Ahead of Your Bills: kzbin.info/www/bejne/Y2jcqYCLf56giq8 When we started getting paid every two weeks the moving pay dates threw me for a loop for a while. The month ahead fund has been a GAME CHANGER for our budgeting and completely takes the headache out of my monthly budget.

[@XxNikkixX72894]

I recommend watching budget mom also I love these 2 the best

[@patriciajoyner9871]

Were can I get this all put together? I don't want to print or laminate

[@LininUpDucks]

Right now they are sold out. I am working on a new batch of physical products but it will probably be Feb 1 before I am restocked.

[@acajudi100]

Rents and utilities takes most of our income. I lived P2P, but I was happy to have the incomes. I was able to travel, buy what I wanted, and I do have a budget to this 79th year. I help non beggars help themselves, and I still saved. FYI: Thank you for your excellent videos and stay safe and blessed. Expose all of these Greedy Criminals!!! Thank you God for not making me a GREEDY and Dishonest crook. I paid my own rent, car notes, utilities , vacations, and I help non beggars help themselves.You reap what you sow, and stop thinking the rich, by hook or crook, are better than anyone else. God does not have favorites, and we go when the wagon comes. GREED and being HEARTLESS will and is destroying the world. Put a d before anger, and you get danger. SOLUTIONS: DEPORT to the wilderness of Alaska and Siberia one way, and harvest their organs. Decent people want to enjoy our cities, and we are not beggars, but want to earn our incomes. ALL LIVES MATTER!

[@Nicki.Marie.Finance]

Do you have a video that shows exactly how to implement the month ahead fund on the worksheet? I'm trying to work my budget but not sure what should be paid with maf. Or should the maf just be in the same account bills come out of? Also, is the 2nd paycheck paying for the first half of the next months bills and then the next months 1st check paying for the rest of each monthly bill so you are a half a month ahead on the bills?

[@LininUpDucks]

Watch my Month Ahead Fund video and it will explain everything in more detail. Basically you have a separate account for paying bills (your month ahead fund account). Every month you put your bill money into that account. You will pay this month's bills with last month's money and constantly be replenishing it with your deposits from your current month's paycheck. Let me know if you have any other questions after you watch this video. Thank you for watching! kzbin.info/www/bejne/Y2jcqYCLf56giq8

[@XxNikkixX72894]

I recommend budget mom as well They are both amazing and helpful

[@LininUpDucks]

Nicole Callaway I second this... @thebudgetmom is great!

[@XxNikkixX72894]

Linin Up Ducks you are too lol I just like multiple examples 💙💙💙 new here & I love your tips

[@LininUpDucks]

Nicole Callaway glad to have you!!

[@deana6633]

This works if you have your rent didn’t come out of your first paycheck.

[@LininUpDucks]

We have a month ahead fund for our bills. It has been a GAME CHANGER for our budgeting and makes budgeting every month so easy even with moving pay dates. Thanks for watching!!!

[@royaleBlack]

Hi

[@ZionRV]

I am unable to download your spending plan. I have been trying on 2 different devices for the past hour and I don't see it landing in my downloads. I tried the link but nothing happens.

[@LininUpDucks]

Email me at [e-mail] and I will send it to you this weekend.

[@plants4thewin]

LOL...Im single and my grocery budget is $500 per month...I might need to cut back? LOL

[@LininUpDucks]

Maybe just a smidgen :-) It is actually more expensive to feed one person (per person) than it is to feed a family. You just have to be careful to plan your menu around having no waste in your grocery purchases.

[@louisehowell3817]

Please show the ‘cash envelope system’ running from an account and not actual cash. Thanks in advance

[@kerryjames6312]

No febt