Explaining My Cash Envelope Categories | Sinking Funds | Cash Envelope System

In this video I am going over the different categories I use in my cash envelope system.
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[@Jewel_xo1]

You’re the first person I’ve seen to break it down like this. I love how you organize your envelopes based on your spending habits

[@Happy2planwithDesiree]

So happy to hear that! thanks so much for watching🤗

[@lizabethma6363]

Just finding your videos but you have the most realistic and common sense budget and way of explaining this system. Big hugs and i really hope you make more of these videos.

[@lizabethma6363]

I'd also love to see you add an investments envelope to your long tem one. You can put into an IRA or other type investment which will greatly assist retiring early or retiring more comfortably.

[@kimfields1000]

Congrats on reaching 25K subs! Love your channel 🥰

[@Happy2planwithDesiree]

Thank you so much!!

[@cristinaballi]

thanks for sharing! you've made such great progress - motivating 🎉

[@PaulaJ_1031]

Love these videos! Keep them coming! ❤

[@Happy2planwithDesiree]

Thank you! Will do!

[@ZionTreasureHunt]

Great video very well broken down ❤

[@tonya3949]

I found Happy Planner stickers today for $1.99 each, I bought 6 the Mom 1529 ct & the Budget 365ct books today! Yay Me!

[@savewithjudy]

Here watching and enjoying.

[@Happy2planwithDesiree]

yay thank you so much!!!

[@calmandcharming1599]

👋🏽Doing challenges for sinking funds is fun. But, I’m not making as much progress as I would like too. 🤦🏽‍♀️💚

[@Happy2planwithDesiree]

Even if it's a little progress that is still better than nothing! So keep at it!!!

[@teresareed6580]

Where did you get your notebooks/binders??

[@ladydee56]

I absolutely love your wallets and how you break it down. I am retired so I am on a fixed income, but I have always had a savings account every since I started working. There are some family members that need to be doing this young and older.

[@renee9776]

How do you save for car and home/renters insurance? I didn’t hear you mention that. These videos really are eye opening for me. I really need to keep track of my spending.

[@Happy2planwithDesiree]

I don't stuff my paycheck from my full time job so those types of bills come out of that money. Because of this I don't stuff for them. For me I have an issue with overspending in the categories I have in my binders. Because of that I only focus on these categories to keep on track. Hope that makes sense!

[@Sitasbudgetingjourney]

Great video❤

[@la-quandanorwood5158]

Great video.

[@Happy2planwithDesiree]

Thanks!

[@mireyabender1503]

New subscriber!! Where did you get the pink binder? I love it! ❤

[@Happy2planwithDesiree]

Thanks for the sub! I actually got it as a sample from a manufacturer...hope to sell them soon🤗

[@Michellelovestothrift]

Did you make your envelopes?

[@carolperdue7534]

Do you still shop online with a credit card? Do you pull the money from your envelopes to pay the card off?

[@Happy2planwithDesiree]

I’m not a huge online shopper and also no longer use credit cards. But when I do buy something online I take the money out and deposit it into the bank.

[@missnannymarie]

That’s how I do it. I have a completely separate banking account for credit card payments. the way I think of it is, having multiple bank accounts is like a digital cash envelope system. Once I deposit the money into that credit card payment account I forget it, I never withdraw money from that account. If there isn’t cash in a certain category envelope at home I won’t use my credit card for a purchase until I know it can be paid in full at the end of the billing cycle. Pull the cash from the envelope at home and place it into a cash envelope named “bank” that you keep in your wallet and then make the deposit anytime before the payment is due that way you don’t accidentally leave the cash in the envelope leading you to believe you still have that money and it hasn’t already been spent online.

[@mariavargas8769]

Hi where do you buy the binder

[@mylittleplanningcorner]

Hello Desire can you share what company you used to get your binders?

[@Happy2planwithDesiree]

I sourced them from Alibaba!

[@mylittleplanningcorner]

@@Happy2planwithDesiree how do you like your new binders, like the quality? Can you do a review on what you ordered?

[@abigailverthein1207]

where do you get your labeled envelopes?

[@Happy2planwithDesiree]

I made them! I have a tutorial on my channel kzbin.info/www/bejne/hXLZaayFrs1nhassi=8VzG6xTJUZaVceEs

[@Ladybug50505]

I love your wallet, where did you get it can I ask?

[@Happy2planwithDesiree]

I actually got the wallets as samples from a manufacturer..just testing them out to see if I want to sell them🤗

[@paivix1]

The o e you have for long term sinking funds .. white with logos is a beauty ❤

[@Randysavage_24]

What type of tripod do you use? Very still 😊

[@Happy2planwithDesiree]

I actually use my ring light to hold my phone. It’s a floor stand so that’s why it stays pretty still. But I do not recommend using it because the phone holder doesn’t reach very far. Hoping to change it up to something better

[@nikki95yan]

Your link to your LV binder is not working

[@Happy2planwithDesiree]

That company is no longer in business sorry about that!

[@Bjustbudgets]

Hey Desiree, so i followed your cash envelope tuturial and made the exact same mistake as you 🤦🏽‍♀️🤦🏽‍♀️ i incorrectly punched 40 envelopes 😭😭😭

[@Happy2planwithDesiree]

Omg I feel your pain. Even after making this video and learning from my mistakes I made some for a friend of mine last night and punched them all wrong 😭 ugh!!!

[@Bjustbudgets]

@Happy2planwithDesiree omg crazy. I know I'm going to do them over soon too. My old won't let me keep them

[@TAA4U55]

💕

[@annsmith5625]

⚾️

[@Happy2planwithDesiree]

Thanks!

[@judejeanpierre7486]

❤❤❤🎉🎉🎉🎉

[@MrsUnderwriter]

With all the respect, this is way too complicated

[@Happy2planwithDesiree]

That’s ok it’s not for everyone 🤗