My NEW 2024 Planner, Cash Binder and Sinking Fund Set-up

[@lisadearing5960]

I have 2 goals. First, pay off my last credit card by the end of February. Starting in March, pay an extra $1400.00 a month on our mortgage to have it paid off by Christmas 2026! Update: my credit card is paid off and I’m starting the extra principle payment on my house the end of this month! If only I would’ve started budgeting years ago!!! The only reason I started now is because my husband retired in November. So much wasted time but I’m happy with what I’ve accomplished in such a short time. 🙂

[@lymanjoy]

Yes! Yes! That amazing. What an incredible and rewarding goal. I was just wondering if you have a tracker or if you do saving challenges? How do you save and pay it, just transfer? Always wonder how others do it.

[@lisadearing5960]

@@lymanjoy up until this past November, my husband was still working full time and receiving his monthly SS check. We were adding all but about $500 of the SS check towards our principal. We were on track to have our house paid off in October 2025. I printed off a payment tracker from our mortgage company and followed it each month. Due to some unexpected changes in his job, he decided to retire in November. At first I was worried but honestly, it’s been the BEST thing for us financially! It forced me to do a budget and really look where our money was going! My plan is to pay all the bills, keep out only so much per week for eating out, and do some sinking funds. After an auto deposit to our savings, the remainder will go towards our house payment. We are on track to pay our house off 19 years early! I REALLY wish I would’ve started budgeting earlier! I love knowing where our money is going! I’m really enjoying your videos! I’ve learned a lot! Thank you! 🙂

[@WillowofMoonHaven]

I have to say it, your are my favorite channel to learn this from! Much love!

[@lymanjoy]

That's so sweet. I'm glad you're here!! It's fun to do this with others. 😁

[@Intentional-frugality]

My goal this year is to simply my sinking funds and stick to necessities only. Love you’re set up. Also I want to start my KZbin channel for holding myself accountable. Looking forward to a great journey 🎉

[@lymanjoy]

I'm so excited for you as you start this new journey. 😁❤️

[@HiddenAtlas]

Wow, this is a great way to organize! I think I’m going to need to try this!

[@lymanjoy]

Wonderful!! Let me know how it goes. 😁

[@ChronicallyExhausted]

Laura- your page brings me joy!!!❤❤❤

[@lymanjoy]

Yeahhhh. Thanks, you made my day 😁

[@ginamoffett1973]

Great video, great refresh look on saving challenge and sinking funds and cash wallet 😊❤😊

[@lymanjoy]

Thanks 😁

[@michaellawsonspeaks]

Happy New Year!!! May the Lord bless you and keep you 2024 and beyond!!

[@lymanjoy]

You too!! Thank you

[@carlygreen2293]

This is a fantastic breakdown! Your setup is my aspiration this year. And you're spot on with the grocery pickup>going in to shop; it's the only thing 2020 did for us that I can truly appreciate! Lol best of luck and best wishes to you and your family!

[@lymanjoy]

Thanks, I appreciate that. Sounds like your gonna do great this year too!!

[@christyhebert5567]

I love the new binder. I totally have to get one. Thank you for an amazing video so helpful!!

[@wandagreenlee1818]

Thank you so much Laura for your transparnancy in sharing your budgeting journey. I am excited to get going on my own journey in 2024 so that I can share with others what I'm learning, too. I will be downloading your simple budget planner and you know I have to get the binder cause I am a stationary girl for sure. Glad to be along for the ride! Blessings❣

[@lymanjoy]

So happy to share. Thanks for watching!! I love all the stationary stuff too!!

[@ElleBPlans]

love the new set up. Great job

[@lymanjoy]

Thanks 😊

[@muscmaniac69]

Hope you and your family had a wonderful Christmas. Im set up already as well for 2024.

[@lymanjoy]

We had an amazing Christmas, thank you. Hope yours was great as well! 😁 Yeahhhhh,, for being ready.

[@cziegle3794]

Yay top 21 comments and top 201 likes. Love this channel. Best to you and your family. Thanks for making this video. Happy holidays!!!!!!!!

[@lymanjoy]

Happy Hoildays to you too. Thanks for your kind and encouraging comments. They help me stay encouraging and going. Thank you 😊

[@nthabiseng7056]

Recently discovered your channel, you're amazing & thank you for sharing❤

[@lymanjoy]

That is so kind. Thanks for those uplifting words!!!

[@ExpatBudgets]

Great video! Happy holidays from Dubai 🎉

[@lymanjoy]

Happy Holidays to you too. ☺️

[@ValerieJGarrison]

I enjoyed your video. Did you intend to include some Etsy sellers that have savings challenges books? Can I buy the same Savings Challenge book that you showed in this video?

[@lymanjoy]

Oh man, I forgot I will add them right now. Thank you so much for telling me!!!

[@priscils6642]

Hi love your simplified planner setup. How do you print your A5 planner pages?

[@lymanjoy]

Change your printer settings to A5 and then have the appropriate size paper or cut down to size.

[@priscils6642]

Your pages look so lovely...thought there was another way around cutting them. Enjoy your content😊

[@lymanjoy]

@priscils6642 Yeah, that A5 paper from Amazon makes them look nice.

[@alexandraderry7086]

@@lymanjoyhow do you punch holes into the paper? Maybe you have a video showing us how to print, and prepare the pages? Thanks 🙏

[@lymanjoy]

@alexandraderry7086 I will do that, I buy this paper and print on it for the A5 size. A5 Blank Paper, Refills for Filofax Planner, Organizer, Binders, 6 Hole Punched, 100 Sheets/200 Pages, 100gsm, White, 5.8 x 8.2 Inch a.co/d/iCts5i2

[@dhkluesner]

I am going to focus on emergency fund and add more categories after that is fully funded.

[@lymanjoy]

Perfect, that's where I started!!

[@joelsvision]

Also, I find I do so much online….do you just take money to the bank to cover it then?

[@lymanjoy]

Well it depends. All my bills are paid online I only cash stuff my wallet, and sinking funds.

[@joelsvision]

How do you make your envelopes?

[@lymanjoy]

With 5ml matte, 3ml matte and Vellum in the middle. I just print the label on the Vellum.

[@all_myhobbies4503]

@lymanjoy Would it be possible to do a video on how to make the cash envelopes?

[@lenafagan-nelson5238]

Am I able to use this on my iPad instead of printing out?

[@lymanjoy]

It depends on what you have downloaded on your iPad. If you have an adobe, you can edit and use it there, but it's not made as a digital version, just a PDF version.

[@Love.Yourself.1976]

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