What Is the 100 Envelope Savings Challenge and How Do You Start It? My Tips for Saving Challenges

[@VirgoMaj]

11:39 I started today January 1, 2024, and i started from a larger number. I'm motivated and so excited about this. Hope i can finish the challenge. Manifesting.

[@RyVo2ALL]

How’s your challenge going ?

[@TheRadianceofKuela]

​@@RyVo2ALLright??!👀

[@morethanenough6179]

In my 100 envelope challenge I actually put more money in it (for example 1-10 I put 10 each, 10-20 I put $15 to 15 and then $20 from 16-20. That way it is exciting how much I actually have because it will be more.

[@hockeymomWA]

That's a nice twist to the challenge

[@abrammartin8594]

How much did you actually end saving vs doing it the traditional way?

[@morethanenough6179]

@@abrammartin8594 I’m 3 /4 there and have over $5000

[@MimisFabulous]

I like that...

[@morethanenough6179]

@@abrammartin8594 I am thinking $800 more

[@juanarocha8146]

Thank you for helping me understand how often you put the money away. 😅 I think I might start with the higher numbered envelopes & work my way down. This will definitely help me cut down my food takeout cost ❤

[@Theleaddog]

I have an addiction to saving. I need to have an un-budgeted amount of money on hand. I always put some aside in hiding. I have accumulated too much to call it “safe” so my husband put the fear of god into me to get this into the bank where it is safe. I intend to start over with my challenge to save money like this again. I will never stop. Even when I move it to the bank, it has its own place and purpose. My advice to you is to keep yourself in check and keep this saving under control. I know this addiction is not a “bad” addiction to be saving money of all things but where and how you keep it can actually affect you negatively if you are robbed or have a house fire. Just take care of you and yours!❤ Good luck to you and your challenge!

[@kirstenrae4662]

I strickly use all my cash tips from my delivery driver job. I wasn't expecting the cash tip anyways so it goes straight to this 100 envelope challenge. Excited to see how quickly I can complete it!

[@cindydaley7461]

Love the idea of combining 2 to get some of the bigger numbers done.

[@TastingParty]

Since I don’t run to the bank very often, I’ve decided to do an electronic version of the 100 envelope challenge. I do this by simply doing an electronic transfer from one of my accounts to my high yield savings account. This keeps me from being temped to dip into the cash.

[@Happy2planwithDesiree]

Love that!

[@fuzzyx2face]

Love your wallet binder, I’m already doing the 100 envelope challenge in a larger binder to pay off debt, but it might be a good idea to get the wallet for extra money saved for spending! Great idea thanks

[@heidiswanson2067]

Thank you for explaining this. I am starting this in January. I am going to get this done! Appreciate your break down of how you did this and working out how you got the higher amounts!

[@randapadgett6743]

Thanks so much for explaining this. I’ve heard about it but had never seen it. Definitely going to try this out. Thanks again.

[@Happy2planwithDesiree]

You are so welcome!

[@MartinK-d5u]

I started mines love it

[@NathaliaLambranzi]

I know why I love SO MUCH this video. I watched several times.

[@wryterzblock]

Thank you so much for the suggestion to do this electronically. I have a binder but I really wasn't comfortable with the idea of keeping that much cash on hand. So instead I am going to open another HYSA specifically for this challenge but I'll still fill in the physical envelopes in my binder with something so I can see my progress. Then I'll just transfer everything to my main HYSA and start again. 😊

[@Happy2planwithDesiree]

That’s a great plan!

[@MrDawg122]

Finally someone broke it down 👍🏾 nice video

[@kimfields1000]

Love the tips for 100 envelopes! It makes me want to try 😍

[@ellenstam-mulder3002]

i love this challenge so much and yes i do it like you want i don't spend goes to this challenge. i don't want to spend anymore.

[@joanthomsen]

I just started my 100 envelope challenge I got my box from Amazon and the envelopes I received was 91 so I called Amazon they gave a refund and I had to buy a second one that box had 94 envelopes so I had to put the more amount in the lesser amount to get started. I am excited I am able to start this to get us out of debt.

[@thismuchhomestead.6935]

I have a question. I just ordered my first envelope binder. So, you take the money out of the bank when you get paid…. Put it in envelopes as it builds…. And then reseposit it for use or savings when you reach goal?

[@natasha-or3vw]

Starting this week. So excited 😊

[@imjaime100]

This is great as usual, Desiree! Thank you so much! I'm hoping to get my daughter into cash stuffing. She's a classic broke college student. 🙂

[@merrytarr4508]

I love this! I don't like licking envelopes either, I'm thinking using Washi tape to seal it, like, if I'm doing it for a vacation or holiday, I can use a Washi of that theme!

[@fuzzyx2face]

It can’t be good for you to lock the glue, stickers is a better idea

[@RavageEffex]

I remember I used to put a dollar in an envelope every now and then just to save nothing crazy one or two bucks months later it started to grow and i was amazed how much I saved when i let my family know how saved it up they didn't really buy nowadays people want to make bank pretty fast and don't realize the things you learn along the way just by saving money

[@arlinspencer]

I would love to do this. I haven’t even started and im already thinking of modifying it. 😂😂😂 i would like to start backwards. 😅

[@Happy2planwithDesiree]

You can do it! that's a great idea to start with the largest first to knock them out

[@ArtfulJade]

I'm so happy I found you!! Thank you for sharing ❤

[@Tune2dis41]

I literally just started this challenge today! am excited!

[@jessicakent4265]

Ohhhh I like this idea! I like the visual of this because it looks fun but I need to "hide" the money from myself. LOL You have given me some great things to think about. TY

[@melissachatman3990]

I put mine in a plastic bank so I can't see the money and just marked the numbers off. This way I can't dip in it😂

[@maric6451]

Where did you get the clear pockets that you use for your wallet for your budget?

[@spicebudget]

Great explanation 👌 I'm starting mine next week 💜✨️

[@oasisfullfilled7617]

People keep making comments and saying to put it in the bank. Everyone is not as discpline as others. Do what works for you. When she decide to put it in an account she can have interest

[@artmania2239]

I love that idea make up smaller amounts of money to fill the larger amounts. Thank you

[@dreameryoung38]

Enjoyed it baby girl,I love saving money and love a challenge as I'm trying to work on my retirement. I also save change

[@Mel-gg3xg]

Thank you for the breakdown. I think I should start small since i don't make much money. 5,000 in 100 days sound a bit hard for my paycheck

[@Happy2planwithDesiree]

You don't have to do one a day...that would be impossible for me. I do one a week

[@Nanbebe7]

I’m just going to transfer into my savings account! Using real money is daunting! I’m digital don’t even like handling money!

[@Happy2planwithDesiree]

You can totally do that! 🤗

[@46joe]

Very sensible way of doing it ...... at least you get interest on it!

[@Akakatang]

How often should you stuff the envelope?

[@aliciadavis1173]

Awesome ideas. I’m trying it starting today

[@Happy2planwithDesiree]

You got this!

[@Jellen86]

Where can I get the clear envelopes? I like the box layout ❤

[@Happy2planwithDesiree]

I actually made them! I have a tutorial on my channel kzbin.info/www/bejne/mJfMqqiIa9x8i5Ysi=mg6o4zkl2OzdboHf If you are looking to purchase they have options available on Etsy

[@joyricherson4570]

That's what I was thinking, start with the big ones first

[@nexcarrghu7812]

Where did you get your wallet with the plastics that say spending and groceriries

[@swoozebird]

I was just going to ask that same question. I need information on that wallet!

[@fuzzyx2face]

@@swoozebirdI found these on Amazon, I just searched “wallet binder”

[@vickibrown1653]

I have just started and I do think about how hard the higher amounts will be. You have some good tips 😊

[@tinacarrillo9134]

What I did was, start out with the lower amounts, then I started combining lower amounts to stuff a higher amount. For example I took #30 and #40 and got the #70 out of the way. It’ll take me a little longer, but I have #60-#100 done. Lower #s will be much easier now.

[@vickibrown1653]

@@tinacarrillo9134 yes. This is what I'm going to have to do. Thank you 🙂

[@M_Mel]

why don't i understand 😅 so in the day 1 you put 1$? Day 28 you put 28$??? until you reach 100 days? but how do u do this monthy? isn't supposed to be by day or... i am so confused 😅

[@Happy2planwithDesiree]

For me I don't see them as days. You could do one every day but personally that would not work for my budget. The way that I use this challenge is every week I pick one number to fill for that week. You don't have to go in order but you can if you want. Depending on my budget for that week it can be a high or low number. For instance when I don't have as much money to work with I will pick a lower amount like "15" or "25" whatever I can manage with the budget I have. If I have a little more money to work with then I would pick a number that is higher like "50" or something in the 90s. Like I said it all depends on the budget for the week. I have been doing this challenge for over 7 months and I don't think I am even half way done with it. But you can choose what pace you want to go with when it comes to this challenge. It's going to take me over a year finish but the payout is going to be well worth it.

[@daphnejackson9461]

That's really smart. Thank you

[@Happy2planwithDesiree]

It's such a good challenge!

[@MikaMika2009]

what great idea's!!! thanks, for the video.

[@quiqui87]

Do you fill an envelope ✉️ each week or is it an envelope ✉️ filled biweekly?

[@Happy2planwithDesiree]

I try to fill an envelope each week! I get paid weekly so that’s helps to allow me to do that

[@mimi0424]

I know this has been around a while. I think it's a great idea...I even want my daughters to double the amounts..so instead of #5 putting $5 put double...so you'll have $10,300 instead. ❤

[@Happy2planwithDesiree]

Love that idea!

[@tiffanycaffee]

How did you make the small cash holders? Cant find the video for it

[@vikkipetty22]

My question is where dose the cash come from,I’m terrible for never carrying any cash ,debt card always,help

[@mansmooth255]

I like your way of doing this challenge! So the way that you are saving with your challenge will you still have the $5050 at the end of your 100 days challenge even by skipping the dollar amount?

[@sofialovaaa]

I love the idea but I still don’t get it :( Do I stuff them everytime I get paid or is this like a weekly stuffing

[@Happy2planwithDesiree]

I stuff weekly but that’s because I get paid weekly. Honestly this challenge is up to you how you want to add to it…there is no set time limit on it which is nice because you can do it at your own pace.

[@jessicafinney7021]

I literally NEVER have cash. What are you doing to have cash? Do you not use a debit card at all? Genuinely trying to understand.

[@Happy2planwithDesiree]

I was the same way before I started this! For me I have an issue with overspending..groceries, spending and just even going to Target I was spending money like crazy. This has really helped to stop that. I still use my card for things and I have a bunch of long form videos showing how I do this. Here’s how I handle debit payments kzbin.info/www/bejne/h2GYZ6iHgpl7eLssi=HnkiiDcptmqgGTdP and here’s how I shop using my envelopes in the stores kzbin.info/www/bejne/nYGphat9p82Wo9ksi=Y42UL5ze1-TSxlkU hopefully this helps to explain it🤗

[@destinyhope101]

Does this work monthly paychecks

[@outroseok]

I just bought this challenge on the tiktok shop for $3!

[@Happy2planwithDesiree]

Awesome! Wishing you all the luck with this challenge!

[@TheWordN3rd]

I feel like this could also be a fun way to pay down debt.

[@gardeniagomez4695]

Great video! Why do you have two wallets/binders? Are each for different challenges?

[@Robconnors7253]

Forgot about the high yield savings account - invest in silver or gold.

[@Happy2planwithDesiree]

Good to know!

[@Golfercam]

Am on day 2

[@debisullivan7763]

I would love information on your wallet with envelopes please! TIA

[@trendydiy2931]

I'm gonna try this but I'm going to add 100 to each number so if I have to put 20 I will put 120 and for 21 I will put 121 I need more than 5050 great vodeo

[@wrendavis2125]

Oh you rich rich 😅

[@melissachatman3990]

If you can do that then you don't need to do this challenge..you already have it 😂

[@lorariffle177]

Good ideas !😀

[@bajanrooted1491]

What is the pink binder for?

[@fuzzyx2face]

It’s a money saving challenge, the paper in the binder with purple squares marked off indicates the money she has saved

[@vamosahacerloorganizaciony345]

When I was quite young I got addicted to saving. I put everything in a piggy bank. When I couldn't put more money in, I would break it with a hammer. Once I did it in the living room with my dad there watching TV. When I started counting and we realised I had 2000 euros he panicked and told me to put it in the bank. He never wanted to have so much cash in the house :)

[@PenniesMakeDollars]

New subscriber 🎉🎉🎉🎉

[@Itsgonnabeok4]

How do you get singles

[@Happy2planwithDesiree]

We have bills and coins for our $1 denomination

[@Lindsey-Lou]

I like the online method more bc its harder to get cash for me 😂

[@evelinebloom8832]

Do you have tips voor euro,'s money we have a lot of coins🙈😊

[@ellenstam-mulder3002]

i live in the netherlands and i round up. to the 5 so 91 gets 95 euro's.

[@KayleeAlbeno-sf1pw]

Let me see if i understand…This challenge you have to put $ every day every other day every week???

[@Happy2planwithDesiree]

I do it every week because I get paid weekly. If I only was paid biweekly I would do it every two weeks instead. It all depends on your situation. There’s really no rules on how often you have to do it so I would say to do it at your own pace 🤗

[@edgarheredia9243]

idnt get it im lost 😅😅

[@Happy2planwithDesiree]

Oh no! What don't you get?

[@Nilalx]

I wish I knew this before 😢..

[@KM-ws4kf]

Why would you not just put your money in the bank? Honest question- just don't get what is the benefit?

[@46joe]

Your totally correct....just put the money in the bank

[@Happy2planwithDesiree]

If you’re like me, someone who has never saved, who sees money in their account even if it’s in savings and spends it then I would suggest trying this. That was my problem..I never saved until I started taking the money out and “saving” it in this way. Yes, you lose out on interest but I’m willing to sacrifice that because I would have never had that ever if I just put it in my account straight away. And bigger picture for me is this money is going into investments and I need a larger sum of money to do that..this is going to earn me way more than any savings interest will so again good with that too!

[@Happy2planwithDesiree]

Sometimes the simplest answer is not always the correct answer. If you don’t like this video then just exit out and leave. I’m just trying to share something that a lot of people have found useful to save especially if you’re not a saver. My end goal for this money is investments..I’m good with not earning a little interest because I’m looking at the bigger picture.

[@Baby-Ghoul444]

I want to do this but we dont have dollar bills in canada, and I am not going to like putting loonies and toonies in the envelopes lmao!

[@Happy2planwithDesiree]

You should search for some Canadian cash stuffers. There’s a few on youtube just to get an idea on how they are handling that

[@entrepreneurshape5211]

I must say. You open my eyes to this. Other pages suck.... video to long and not getting to the point.

[@ShannonsBudgets]

Grest video

[@SaraMeeks-hy5tx]

So where's the money coming from? What happens to the individuals who cant even purchase essentials, much less save. 😕

[@Xoingonquan6]

So don't save, easy

[@SaraMeeks-hy5tx]

@@Xoingonquan6 ok. Duh

[@fuzzyx2face]

Sorry to hear about your situation, maybe save whatever amount you can, 50 cents a day or less. I hope you are able to save some money. I’m going to do overtime hours at work to help complete my challenge, but maybe your situation is different. If I couldn’t do overtime I might pick up a part time job on the weekends, but I also don’t have kids so I’m able to do that. Good luck

[@melissachatman3990]

You can just get a plastic bank from the dollar store and put the money there and mark the amount on paper. You can also start with 25 envelopes or 50 envelopes.

[@melissachatman3990]

Or number your paper 1-25 1-50

[@calmandcharming1599]

💚

[@02Nawal]

Uhhh why not just put it in the bank

[@Happy2planwithDesiree]

YOU can do that...I choose to do this because I've never been a saver and this is a "fun" way to save. For me this money is going to be invested once I have it completed. If the physical aspect of having the cash doesn't work for you then you can just track it on the tracker and move the money over electronically.

[@46joe]

She must be loosing tones of interest doing it this way

[@46joe]

complete waste of time and effort ... just put the money into a savings account and you will get interest on it. I don't see the point of this at all.

[@Happy2planwithDesiree]

This video is for people who want to use this system…obviously that doesn’t include you. Thankfully we all have the ability to make our own choices and I choose to use this method because it’s helped me to become more aware of how I’m spending my money. Before this I would just spend and not save. So I see lots of points on why this is not a waste of time and effort.

[@46joe]

Oh dear ... I hope I didn't upset you......@@Happy2planwithDesiree

[@Happy2planwithDesiree]

Why would I be upset? You’re giving me engagement by leaving comments this is very good for my videos reach so thank you!

[@Aery-ro6te]

Cash is king

[@jazmyne0806]

ReaL

[@aslinguyen9302]

What a waste of paper!! Just use one reusable envelope…. 🤷🏻‍♀️

[@46joe]

Its a total waste of paper time and effort....... just put it into a savings account with interest....!

[@oasisfullfilled7617]

Its not your money. She also didnt ask you to help. Do what works for you.

[@carolhutner8931]

This is another “push” for me to just get started with budgeting and envelope stuffing. I’m starting by using the paper envelopes from Dollar Tree and save electronically (which I have to figure out how to make that work for me.) 💙💛🪴