How To Start Cash Stuffing | Tips for Starting the Cash Envelope System | Cash Stuffing for Beginner

[@lisaleone2296]

I am torn about cash envelopes. I LOVE the feel of counting bills out, the clarity of how much I am spending, and being able to see the money going back into savings. I HATE having to figure out how to hold onto money for costs that don't follow set schedules, having to juggle multiple envelopes on shopping trips, and in general having large amounts of cash on me or in my house. Therefore I do all of my financial planning in a spreadsheet and when I go shopping I take out just the cash I need for that trip based on my budget and shopping list(s). Extras go into an emergency cash envelope. The tragedy is that the sound and feel of paper money trigger something in us that lets us know it's a precious commodity in a way that a card or spreadsheet never will.

[@PreciousWon]

I’m with you on the “not having large sums of money on me or in my home.” For this reason, I bought prop money from Amazon to use as a visual stimulant and digital envelopes within my bank app. Having too much on me at any one point makes me nervous. Lol😅

[@1960tlm]

I am with you about having large amounts of cash on me or in the house. I use a system where I place some money on a debit card (this card has no fees & is not attached to my checking account or bank) so that when I am out shopping I don't have to carry a lot of cash, or when I want to shop on Amazon I don't have to use my bank or credit card. This keeps me on budget with my envelopes. I budget the same exact way, but keep some "envelope" items on the debit card such as gas, groceries & clothing. For example, If I have $1000 on the debit card & I've allocated $150 for gas I don't cheat. I stay within the limits that I used for my budget. $150 for gas, $300 for groceries etc. It's an extra step to load the card and takes discipline to stay on track, but this has saved me thousands because I'm not using my bank or credit card and I only have access to what has been loaded on the debit card. I don't overspend. It works extremely well.

[@jacquelynforeman1133]

I didn’t realize you had done a video like this, but glad you did! It explains a little bit more about how you get to your end game. Excellent information and details that I will be utilizing in my journey. Thanks, Desiree.❤

[@Marebear1113]

I've always left it in the bank to earn interest until it is needed. However I really want to try the envelops system. Just torn.

[@nickeyg8948]

some people use fake money to account for what they have in the bank.

[@The_Mysterious_Saiyan]

I’m probably the only male that watches this videos and enjoys them. Your style of organizing are the expenses is very similar to mine. Great info thanks.

[@israelgarcia3114]

You are not alone 🙋🏻‍♂️

[@paxtonbrady]

marry me!! jk lol

[@CraftyDad]

Nope -- you're not the only guy that watches videos like this! Desiree does a great job explaining the process. ANYONE who wants to get a handle on their spending will find these videos helpful. I've watched a LOT of her content -- and learned a ton of good ideas to implement.

[@The_Mysterious_Saiyan]

@@paxtonbrady 😂

[@The_Mysterious_Saiyan]

@@CraftyDad True that

[@SuperHeedictator]

It's so convenient when you get paid weekly. I receive the salary once a month and that's a struggle to manage. That's why I really need to implement this system in my life for sure. Thank you for the video

[@bellafiga5999]

The once a month paycheck is why I’m looking into it as well. Once my spouse changed from bi monthly to once a month it really sent us for a loop and shone a light on all those small bad habits we were developing mid month.

[@SuperHeedictator]

@@bellafiga5999 oh, actually I didn't think about it this way

[@acorn297]

Divide that into 4 and pretend it's 4 paychecks

[@SuperHeedictator]

@@acorn297 what a lovely idea I might just try it out Or at least to devide it in 2 parts

[@budgetwithrenay2419]

I’m on SS/DI and it takes my whole paycheck practically to satisfy my monthly fixed expenses! I divide weekly spending money from any extra income I earn from sells, baby or house/dog sitting, garage sales, etc. I’m still able to use the cash envelope system while still using auto pay or money orders for rent.

[@budgetwithrenay2419]

Great video! I love how well you explain everything. I have been cash budgeting for about 3 years now but when I started, everything sounded like Greek to me! So many bloggers would go too fast or assume everyone watching knew what you were talking about. I think this will help so many people!

[@Happy2planwithDesiree]

Thank you so much! I felt the same way when I started. I had to watch a bunch of videos to piece it all together so I wanted to make sure I covered everything in my video, so I'm glad to hear I was able to do that!

[@sammy6235]

What a huge difference cash stuffing made for me. I was like you until I started stuffing my envelopes. Now I look at cash differently and don’t want to part with it. I’ve really saved and honed my envelopes to what I need.

[@maureenburke3717]

My thoughts exactly ❤

[@sydneykfontaine2945]

As a visual person, the color coding on your monthly calendar is gonna be a game changer for me. Thank you for this video!

[@TheLiteraryPlanner]

Yes! That was brilliant!

[@dawnbritt870]

THANK YOU SOOOO MUCH FOR THIS VIDEO!!! I just subscribed. I have wanted to do this for so long, but couldn’t find any videos that showed how to do this and were to find the needed supplies. I’m so overjoyed, you have NO idea. I’m a widow and just turned 75. If you think that’s too old to start saving, y’all are wrong, I’m on my way to a better, less stressful life. THANK YOU, THANK YOU THANK YOU 💕💕💕🙏🏻❤️

[@Happy2planwithDesiree]

You're so welcome! Glad I was able to help!

[@prisc2783]

You've explained budgeting so simply/detailed/basic which I really really understand how to do the budgeting now! Other people just go 100mph and I get nothing out of it. I try but it is so confusing from other channels. I'm so glad I found your channel! Thank You!!!☺️

[@Happy2planwithDesiree]

Oh wow I am so happy to hear that! I felt the same way when I watched some videos so tried my best to make it make sense when I filmed mine☺️ thanks for watching!

[@mattierichards3277]

Thank you for providing a simpler budget plan. Some plans are so intricate that they overwhelm me. Yours is so simple and I will implement it. You explained everything so well.

[@Happy2planwithDesiree]

Glad it was helpful!

[@jonnaborosky8836]

Very good video. I'm in a no-spend year so I don't buy anything for cash stuffing. I've been using what I have instead for decades. I moved away from home in 1973, bought a package of envelopes and set up my budget. I still use paper envelopes for some parts of budgeting. I used to use the small accordion plastic files for coupons. I don't use many paper coupons anymore, so I started using those as category dividers for cash. I use the plastic files for current spending and paper envelopes to roll unused money into. Works well for me. I'd love to have pretty binders and beautiful envelopes... things to make them beautiful, but I live on a small fixed income. I WANT fancy, but I don't need it. I need money in the bank more than pretty binders. That's me in my situation. Others choose to go with beautiful, and if that's what they want and can afford, more power to them!😊 I'm just really glad to hear you talking about frugal ways to cash stuff and budget. Go YOU!!!

[@BonnieLeeBee]

Make your own envelopes or binders and then you can customize them as beautifully and pretty and special as you want!!!!

[@budgetwithrenay2419]

I’ve been subscribed to her channel for about 6 months now. I love how she does both,( budgeting and planning), makes it more fun!

[@imjaime100]

Desiree, this was perfect! I love how you broke everything down. It makes it so easy to follow and do myself. I have always struggled with budgets, similar to your experience. I feel cash stuffing could work for me because it's so concrete. This is the money you have available for this type of purchase, and ONLY this money. That makes it much easier to stay on track. Thank you!

[@SarahAdams-w4s]

The envelope thing I use to do 25/30yrs ago. Didn’t think about challengers or in so much detail. I did well at it. Stopped due gaining a partner. Was a good idea. Going to start up again. When I started I didn’t realise it was a thing.

[@Happy2planwithDesiree]

That is awesome!

[@Thechosen1-r3p]

Your video has helped me out. I use plain envelopes from dollar tree that I decorated. Thanks for sharing

[@Happy2planwithDesiree]

That’s great! I love that you decorate them 🤗

[@LilHeavenlyTreasures]

I love how you have it color-coordinated. I think it makes it fun and very eye-catching.

[@christinakrupka938]

Your video was the best one I've seen out of probably close to 100 I've watched, explaining how to decide what goes in your sinking funds. I like that you dont follow specific percentages, etc. You just prioritize the categories and load what you think is most appropriate for that paycheck. Thank you so much for clearing that up for me! ❤

[@tracylazenby9440]

Thank you. You explained this so easily. I'm gathering my materials

[@Happy2planwithDesiree]

Glad it was helpful!

[@florence75349]

I love how you provide low-cost suggestions on envelopes and labels! That is very thoughtful and much appreciated! Thank you! 💕❤️💕

[@Happy2planwithDesiree]

You are so welcome!

[@outrageousstyles1378]

This was so helpful! Thank you for breaking it down. Now I understand how to do cash stuffing.

[@TrappedQue]

I’ve been budgeting for the past 7 years. My method is pretty simple. When I first started. I add up all the bills/categories for the month. Let say it comes up to be $3000 a month. I just take out $3k to cover that month of expenses to start. From that point on, I put away $1500 from a biweekly paycheck for next month bills. What ever left of that paycheck can go to savings or sinking funds. This method works beautifully.

[@shahedaakter7975]

Nice planning

[@alyssaphillips1412]

I have been watching these videos for over a month now and this has been the most helpful video I have seen yet! Thank you so much for this. ❤

[@Happy2planwithDesiree]

Oh wow! I am so happy to hear that☺️ I feel like I was in the same boat when I first started so I really appreciate you saying that!

[@pattischultz7043]

Thank you so much for this tutorial! Exactly what I was looking for to set up my budgeting system. Your step by step instructions were easy to follow and understand.

[@Happy2planwithDesiree]

Glad it was helpful!

[@maureenburke3717]

THANK YOU FOR THIS VIDEO! I have been cash stuffing for a few months now and love it but i never knew how to set up sinking funds or what to put in them every check. Not to mention when i wouod go to the bank to get cash and they qould ask how i would loke it broken down.....i never knew what i needed until this video. This video gave me clear and simple explanations that i truly needed!! This is an absolute GAME CHANGER for me❤

[@Mealsformykids]

Thank you SO much for making this video!!🙌I have tried so many times to do the cash envelope method but was never really sure how to start and would just give up🤷‍♀️The way you broke down every single step has been convinced that I can finally do this!🤗

[@SherryGooding-mx8pu]

I love your idea on paper and putting money into the envelopes.

[@Happy2planwithDesiree]

It's been really good!

[@Leahslittlepatchofparadise]

This was a great break down of how it all works, thanks ❤

[@deeplansandbudgets]

This was a great video for you to do, especially as most of your followers are from the planner community. This is a way to reach people that would not be thinking about cash stuffing but perhaps are struggling a bit with their budgets. I am passionate about trying to reach people who need help with personal finance. I use a combination of Prop Money and real money. My prop money is how I track what is in those categories as I keep all the money in one account. This is such a great visual way to see what you have to spend in each category. Stuffing the cash in many ways activates the brain just like physically writing something in your planner. Even though it may be prop money, when I stuff that into an envelope, the amount I have to spend sticks better in my head.

[@tylorarnett6679]

This is the best explanation I’ve ever seen!!! Thank you so much! So excited to start 🎉

[@mariatapia171]

I love the way you broke it down and explained the sinking fund method. I’m gonna be honest I didn’t get what sinking funds were, but after watching this video I have a better vision of it! I will put this in action and start my savings journey! Thank you so much Desiree💕💕💕

[@budgetwithrenay2419]

lol; I was the same way 3 years ago; I thought what the hell is a Sinking Fund?!

[@nancydel82]

I love this video, I have seen a couple and I didn’t understand it as much as I did yours. I am definitely going to subscribe and thank you for sharing.

[@Happy2planwithDesiree]

Glad it was helpful!

[@sv9867]

This is one of my favorite videos. Thank you for making this so easy. You were made for this, continue to walk in your destiny. God bless.

[@sarapurdy8712]

You are really good at explaining this and laying it out , especially for us beginners. You could teach finance classes for sure!

[@leftyplannergal]

Thank you for explaining this. I am looking at heading this way but wasn't sure how to do that if I didn't have a consistent side hustle. I really appreciate it.

[@Cocacabanabudgets]

This was a very detailed video n I really appreciated it. I am newer to the budgeting community trying to “get to zero” trying to stop bad habits - my channel the accountability has really been eye opening- im a work in progress ☺️ thank u!!

[@budgetwithrenay2419]

I’m in the same boat; I have good weeks and not so good weeks, 😂. The trick is to “get back on the horse” if you fall off.

[@lenafagan-nelson5238]

Been watching a lot of these videos the past couple of weeks. All helpful in some way and getting me motivated to start. Your video however really covered many questions I still had. Thank you so much! I look forward to start cash stuffing. My goal is to knock out all my debt and start saving saving saving 😆

[@sandraleishman878]

I did enjoy the video. Makes a lot of sense. I was never taught how to budge, from parents or school. Thank you!

[@budgetwithrenay2419]

Good luck to you! I grew up in a family that never talked about money or put everything on credit cards.

[@gabbyr73]

I love budget planning! Glad I came across your video.

[@Happy2planwithDesiree]

I'm so glad!

[@loricoulson9101]

Thank you so much for this information. I have been watching tons of videos on this subject. I finally found one that gives all the information in one video with examples. I just finished my budget and envelopes thanks to you. I have been trying to do this for a while now. Even set up my savings challenges. You really helped me. Thank you again

[@nekishah5356]

This video was great. I love the breakdown of everything. I’m going to follow your advice. I have kids so I’m going to add a envelope for my kids because they always want something 😊. Thanks for this great information 😊

[@Happy2planwithDesiree]

Yay! so happy to hear that🤗

[@kelliegirard9033]

Thank you for explaining. I have watched several and you helped me to understand better. I am a new subscriber now. Thanks again.

[@financewithfrvn]

I’m so happy u made this video lol I did get overwhelmed I think bc I tried to do so much at first

[@jeriheggie]

This was so beautifully done! The paperclips in the wallet have sold me! 😂 I have a new KZbin channel where I’m documenting my Low Buy Year and trying different budgeting methods. I wanted to do cash stuffing next so now I’m all set! Thank you 🤗

[@Steph.Budgets]

Great video!👏🏼 Very informative!

[@Happy2planwithDesiree]

Thanks so much!

[@KookingwithKimmy2231]

This was sooooo helpful and I am starting my cash stuffing journey this week!

[@notnow6647]

Thank you for sharing and breaking everything down with in details including the explanation of how some people do it with cash and others with prop money of some sort. I don’t really understand the prop money part but I'm aiming to do the cash for the most part.

[@terrychittam945]

First time hete and really enjoyed,,i like the way you only put the money for the week in your envelopes,,i tried putting all the money for the month in them ,but i ended up using all the money quickly just because i had it so easily available, ❤❤❤❤

[@Happy2planwithDesiree]

So happy to hear that! and yes stuffing it every week is a lot easier to manage than every month

[@carlawilliams275]

Your video is so helpful. Great amount of information. Especially the advice on saving money when you now start to cash budget. I am thinking about try cash budgeting.

[@Happy2planwithDesiree]

Glad it was helpful!

[@savannaruis7826]

I really appreciate your budgeting videos! I don't do a cash budget but I do a zero-based one similar to you and just keep track through an app. But I really like some of your tips about planning when your bills are going to come out and how to handle your sinking funds! Lots of great tips! I'm glad you've found a system that works for you! 😊

[@norajohnson7103]

I really enjoyed this video.Chock full of helpful hints.Thx for sharing

[@Happy2planwithDesiree]

Yay! so happy to hear that!

[@michellecox4153]

I have been searching for videos like this. Your video was the most helpful one I found. Thank you!

[@dlvdev72]

Hey I’m new to your Chanel and I just wanted to say that you did such a great job breaking it down on how to budget and writing it down to make it very easy to follow!!!❤

[@vickiedwards4110]

Great video! Answered a lot of my questions. Thanks.

[@Happy2planwithDesiree]

Yay! So happy to hear that!

[@angbudgetanddebt]

Good Morning! Here watching!

[@BudgetBae_1]

Your planners are so pretty! Love the pink ones ❤

[@Happy2planwithDesiree]

I like them a lot too!

[@treehugger2718]

Thank you sooo much for your in depth explanation

[@Happy2planwithDesiree]

You are very welcome!

[@budgetfoursuccess]

You made this seem so simple! Absolutely love it! 🥰💙

[@Happy2planwithDesiree]

Thank you! 😊

[@JT-Budgets]

New subbie from the UK! Love ur set up. Cash stuffing has changed my life so much! Look forward to following along xx

[@Happy2planwithDesiree]

Thanks for subbing! Just subbed to you love watching cash stuffers from other countries🤗

[@JT-Budgets]

Aww thanks so much! My latest video, my 11 year old autistic daughter joined in and we had so much fun doing challenges. Hope u can check it out :-) 😂😂 ❤

[@Tamekabags45]

I love this system because I’m bad at saving too, but I’m done got good at it now since I’m doing this budget system💃🏾🎶💵🙌🏽❤️❤️❤️❤️

[@akailah]

Saw one short and I’m hooked! This is so smart. Thank you for sharing!💕 God bless you. You gained a new subscriber!

[@rocketchico.2149]

Wow your adding and number ordering by due date just blew my mind. New sub!

[@carmenquiles8595]

Thank you for the information and all your tips on budgeting. Take care!

[@crimsonspell]

I love your nail polish colour!!!

[@barbarabailey2062]

Ty so much. So much advice. I just ordered stuff yesterday!

[@sassysuzy4u]

Great video. You were really clear. I do my budgeting on a spreadsheet I can access from phone as I shop, but I really like the idea of using like monopoly money or something so I can tactiley see where I am too.

[@daj536]

New subscriber and sooo glad I found your channel. Awesome job on explaining everything about budgeting and cash stuffing. Looking forward to learning so much more! 💕😊

[@jennifercabrera-ataxca1076]

Loved the video!!❤

[@Happy2planwithDesiree]

Glad you liked it!!

[@jennifercabrera-ataxca1076]

Do you have FB? I’d love to chat and get some ideas from you!!

[@lovetistrue]

I enjoyed watching this video and how well you explained cash stuffing. Makes a lot of sense! I've started my journey and hoping I (and my family) can be more disciplined when it comes to our budget. Thank you!

[@phillychenzo7569]

Awesome. Keep us posted! Love them.

[@Happy2planwithDesiree]

Will do!

[@bougieauntee]

Great video, very impressed and informative,

[@ashleybordelon1644]

Amazing tips for noobs!!! ❤

[@Happy2planwithDesiree]

Glad you like them!

[@TheLiteraryPlanner]

Great tutorial-thanks for showing all the steps!

[@marylynmiller5158]

Great beginner info for budgeting, Desiree! Also suggest they watch some of the big name budgeters like Donna Powered by Creativity, Budget with Mama Bear, Two Sister Bees, Lisa Grateful me and yourself, to watch them stuff their categories.

[@PlanandSaveinEssex]

Great video! You explained everything so well and now I am ready to start my own journey of budgeting and saving ❤

[@MoonBudgets]

I subscribed. Thank you for putting the effort to explain the set up! ✨

[@Happy2planwithDesiree]

Thanks for subbing! So happy to hear that!

[@kerriecammack5021]

My New Years resolution! Thank you!

[@noeonegetsleftbehind7305]

This was a great video! I recently started budgeting with the cash envelope system too. It has been a life saver! It's really helpful with all the stuff my kids need! (So much stuff!) 😂

[@TiSaves]

Thanks for the tips, I just started my journey so I’m excited to see if this works for me …

[@Happy2planwithDesiree]

Best of luck!

[@TheFunctionalForce]

The more I watch the more I think this is the most helpful beginner video I’ve watched! THANK YOU! Another question is.. what do u do when u get paid monthly? I’d rather keep track of all of this weekly to avoid confusion and too many things that can happen in a month of not cash stuffing. Any tips? :)

[@Happy2planwithDesiree]

Yay! So happy to hear that! If I got paid monthly I would just split my check into 4 or 5 depending on the amount of weeks in the month. And then I would take that amount and use it for the week's cash stuffing. So If I got paid $2k a month and it was a 4 week month I would have $500 each week to plan with for cash stuffing. Depending on when your bills need to be paid. you could also adjust for the week if you have more/larger amount bills to pay for. But definitely split the check into small amounts and cash stuff every week!

[@kathymcneil8282]

Great video...one of the best I have seen

[@Happy2planwithDesiree]

Wow, thanks! So happy to hear that!

[@melissahuntsman1799]

This was awesome, thank you for the tutorial!

[@Happy2planwithDesiree]

Glad it was helpful!

[@chrissyt6959]

This was so good. Thank you. I am not sure if I am not clicking on the right link but I can't find the binder that is your main wallet.

[@thandot390]

Thank you. it was extremely help full.

[@Happy2planwithDesiree]

Glad it helped!

[@susanmcquaig2927]

Excellent! Love this video!

[@Happy2planwithDesiree]

Thank you so much!

[@carmenquiles8595]

Thank you for the information. Take care!

[@Happy2planwithDesiree]

You're welcome!

[@ImJusNikki87]

love the binder clip tip!!

[@Sassypeanutbudgets]

What a great video! I love watching your videos especially these!

[@Chloera503]

I love this video, thank you 🙏 💗🌷

[@Happy2planwithDesiree]

You are so welcome!

[@lakeithalacey]

I am doing a cash budget this month and get so anxious about giving myself only $50 for eating out. I am so use to eating out everyday for all my meals and snacks. This is so hard and scary to stick to but I am trying to.

[@Happy2planwithDesiree]

You can do it! And don’t be too hard on yourself if you go over…that’s why I like having that buffer envelope😅

[@TheFunctionalForce]

A newbie here and your video has been SO useful! Thank u! What do you do with coins in this system? As in when u pay for something and get coins back. Huge thanks!

[@Happy2planwithDesiree]

When I get coins at the end of the week I usually put them in a container where I collect the change and then once it starts to get full I will take it to the bank and use that money to cash stuff with! So it's basically another form of savings

[@budgetwith_kk]

Brilliant amount saved

[@Glammmahgotguts]

Great video Taylor. Not bad at all 👍🏽👍🏽👍🏽👍🏽💜💜💜

[@kimberlybryant16]

great job i have learned alot of ideas thank you

[@Happy2planwithDesiree]

Great to hear!

[@xolybudgets]

Thank you so much for the setup tips Desire❤😊

[@lives4stitching-jenniferl540]

Thank you for that very clear explanation. It really helped me get a better grasp on the system. I really liked that you showed ways to start without having to buy more stuff or at least not to have to purchase the binders. They are cute but for me not really practical. Couple questions, what do you do with change? Do you take your change back to the bank too? I find when handling cash there is just so much coin to bother with. Also do you take what you didn’t spend out of each envelope each week and put it where?

[@tmoneyymo]

This was very helpful. Thank you!

[@nickeyg8948]

I just put the same amount every paycheck into each category. Some denomination of 20 to make it easy when pulling from the atm. I find it fun to watch people playing around with different dollar denominations and deciding each week how much to put where, but for me this has been the easiest for me to keep up with.

[@DavidEVogel]

deciding each week how much to put where I agree. If your plan is to stuff medical expenses $20 each payday, then stick with it. Sometimes $10 and sometimes $30 is not going to cut it. You can review the stuffing amount once each year and make necessary adjustments.

[@ShannonsBudgets]

This is how I figure my budget as well.

[@barbarahatfield8027]

You explained it very well 😊

[@Happy2planwithDesiree]

Thank you! so happy to hear that🤗

[@evelynkrull5268]

I'm about to start money stuffing budgeting and I plan on only stuffing dog walk, dog expenses (food toys etc), fun (combined eating out and shopping), grocery, and medications. Automatic bills and gas are left in and I'll transfer the savings to where they belong.

[@samantha200]

Great video, thank you!!!