⭐️ New SETUP Cash Binders| Bill Exchange & Cash Stuffing | Beginner Budgeting

[@LisaRaven1682]

I needed to find these saving games again, my autism needs assistance with budgeting. I had a nest egg set aside for the family and an issue arose and wiped it out. I have to start all over again and I lost motivation, now I have it again and let the games begin. 💪🏼

[@2SisterBees]

Oh yes! Those games will keep you moving ! 🙌💛

[@sitsngigglesful]

So I have been avoiding your videos- or ANY videos relating to budgeting for MONTHS!! A lot has been going on and I just didn't want to think about it. Decided to get my head right the last 6 weeks, and this is the next step for me again. So as I sit recovering from illness, and crocheting a Christmas gift, I put tons of your videos on a play list for ME. I have some peppermint tea, a notebook and my yarn basket next to me as I sit in front of the fireplace, lol. Thanks for making such great helpful videos that help me catch right back up and motivate me back to the right path!

[@budgetwithmamabear]

I love doing that every so often too. As soon as I get time, I am going to work on mine too.💕🐻

[@2SisterBees]

I probably wait longer than I should but it sure feels good once it’s done! 💛

[@naymay2150]

I would totally walk into the bank with that prop money on accident 😅😂 loved the video thank you so much for breaking this down in such an easy to follow process ❤

[@tidegirl6526]

Me too lol. That's why my prop money is kids play money that doesn't look real 😅

[@2SisterBees]

I know! I try to put little jewels on the ones I use but I don’t have enough of those 😂

[@2SisterBees]

They do feel different, though. Like a real thin paper and money is thicker. That helps 😅

[@cindyball6998]

Right, I can't do those realistic bills!

[@sidraharris9603]

Thank you for being a Great Motivator. I'm working on my cash stuffing binders today to be more organized. Cash stuffing has really helped me save more and not impulse buying.

[@2SisterBees]

It’s really changed my life, too. I love hearing that it’s working for others out there, too! So glad you are here! 💛🐝

[@maryjoglenn1731]

Love that you're showing changes when needed

[@2SisterBees]

It never ends 😂 I feel like I’m always adjusting but I love it- learning a lot as I go! 💛

[@bethbeckermeyer1732]

I just caught up on my sinking funds the other day, that was great!

[@2SisterBees]

It really is ! Feels so much better ! 💛

[@drewconway7135]

I love a good condensing! I’m curious why you didn’t use the 50s and 100s that you had at the end going to checking and savings to condense some of those envelopes a little further? Have a great weekend! 😎

[@2SisterBees]

🤦‍♀️ hahahaa! I didn’t even realize it. Filming changes things - lol Don’t always see the obvious! 😂

[@CashBudgetRetiree]

Hi Jenn. It is freeing to remember that the savings challenge monies are able to be distributed however we deem appropriate at the time.

[@2SisterBees]

Absolutely! I change my mind all the time ! 😂

[@deannaedwards1147]

I also just decided to start saving my car insurance in the HYSA since mine is every 6 months as well.

[@2SisterBees]

Makes sense, right? 🙌

[@thevictoriagoogin]

🎉🎉🎉yessss!!! Plus that earned interest can potentially help offset the unknown increase for the next term.

[@patsteele2120]

🎉thank you for the detailed explanations. This is so helpful. I don't mark of thr " girl math" I play it monthly as a new game and use it for my "Bee Subscriptions".

[@2SisterBees]

I’m glad you found it helpful. Love hearing how you use Girl Math! 💛

[@lucillesmith9764]

Good morning Jen, I’m really struggling since I recently had a rollover accident and now my vehicle was totaled. Thank God it was any worse. You, Jason and Ultred enjoy the weekend.

[@LisaRaven1682]

I'm glad you're okay.

[@lucillesmith9764]

@@LisaRaven1682 thank you

[@lucillesmith9764]

@meanjustine8266 I always say “this is only temporary “

[@2SisterBees]

Lucille- I am so glad that you are okay! Thank God! Stay strong- thinking of you. 💛

[@elizabethnunez9044]

Awesome 👏🏻 😊

[@maggievera1733]

I needed this thanks fresh start Beetastic

[@elizabethnunez9044]

Thanks for the info

[@marylynmiller5158]

Well done! Making money work FOR you!!

[@2SisterBees]

I’ve gotten A LOT better at that over the last 2 years and there is SO much more I want to do. 🙌

[@denisemeyerhoff-qp9df]

Happy Friday

[@2SisterBees]

Hello there! ☀️

[@babyangel11250]

Great video thank you for sharing Motivation to change and get organized with budgeting 👍👍👍🙏💜

[@2SisterBees]

Glad it helped! 💛

[@kathrynmarano8102]

Great job on cleaning and organizing

[@2SisterBees]

Thanks so much! And thanks for watching! 💛

[@moneywithjustliving5258]

Good Morning, love these.

[@sarahhouk]

I don’t know how to word this question but how do you take out all the cash but still have money in your checking account? Do you have like a cushion then replenish when you spend? So you kind of have to be a month awake to make it all work?

[@2SisterBees]

Hi!! 👋 I do that, yes. I use my debit card to pay for things sometimes and then I will take the cash out of the envelope to replenish my checking account. I did not start out that way, though. I built up to that. So - you can start and not be a month ahead on your bills. If I were brand new- I would want to see this video: kzbin.info/www/bejne/pHTXmHtjgZ2MsLcsi=lbi3zUgKvYRHOqN4 If you already have the $1k somewhere, watch this : kzbin.info/www/bejne/rZ6uc2aHndt9ppIsi=YdUZRC2e-MXw4PoJ

[@judithprice215]

Keep up the great work!

[@2SisterBees]

Thank you, Judith! Nice to see you! 💛

[@marybaker8061]

❤❤ love it!!

[@marybaker8061]

❤❤ I'm super glad you've turned this around!

[@marybaker8061]

❤❤ everyone loves a great bill exchange video!

[@marybaker8061]

❤❤ everyone loves a great bill exchange video!

[@marybaker8061]

❤❤ I like that you remind everyone it's okay to change the mind. Yes, it's moving funds, making it work, and having them for what's needed.

[@marybaker8061]

❤❤ car maintenance can get super expensive! Changing breaks these days is crazy expensive.

[@zomer1969]

Now , you make me save for the ventilators 😂

[@Budgetwithfreshsalad3544]

Great job ❤🎉

[@AnnCashes]

Goals: Lash and wine envelope :)

[@2SisterBees]

Hahaa! Yes!! Livin’ my best life!💛💛💛

[@wendytreft4152]

Recently found your channel and I'm enjoying your content. 😊 Wondering where you got your cash tray?

[@2SisterBees]

Hiii! Glad to have you! It’s this black one from Amazon : www.amazon.com/gp/aw/d/B0B9FLHM8R?psc=1&ref=ppx_pop_mob_b_asin_title And then I get craft paper and cut it to fit in each slot. 💛🐝

[@wendytreft4152]

Thank you!

[@ladydisaves]

Good morning Jenn! 🤗

[@2SisterBees]

Hello, Lady Di! So glad to see you! 💛💛💛

[@mandygiller6191]

I won't win, but thanks for the motivation 😂 congrats on your channel growth 🎉

[@2SisterBees]

That one has ended - I just wanted to make sure you get entered in correct one- this is the video to comment on for the current: kzbin.info/www/bejne/aYaXkpuho61sf8ksi=di3aLK9zkKzicN3D And you never knooooow… 💛

[@mandygiller6191]

@2SisterBees how did that happen 😳 I know I was watching the right video , but see, I wasn't wrong 🤣🤣🤣

[@2SisterBees]

Technically- you weren’t wrong 😂 This time….

[@ElizabethSmith-rz9fb]

Amazing video as always! Thank you for sharing your journey and knowledge with us! I had a question about the Club Bee. Are the perks just for the website or does it include Etsy?

[@2SisterBees]

It’s the website only. The website has all the same products as Etsy - Well, actually some of my products aren’t on the website yet. I have to get a few things to April and I haven’t done that yet. I am pretty sure all of April’s items are on the website, though. 💛

[@ElizabethSmith-rz9fb]

@@2SisterBees thank you. I just got my year subscription and can't wait to use it.

[@Smartshoper25]

Hi i ❤️ your videos how can I get some savings challenges games without having a computer to print them

[@2SisterBees]

The best way is to email them to yourself and then go to library to print or to a staples/ Office Depot.

[@Smartshoper25]

There is no staples or home depot where I live

[@Chihuahuamombudget]

Where can I see the games and challenges you have? And how do I play hello honey? I have seen it on your page 😁

[@2SisterBees]

Hello & welcome to The Hive! 🐝 We have 2sisterbees.com And my sister and I both have Etsy shops. Aprils is : www.etsy.com/shop/2sisterbees Mine is : www.etsy.com/shop/JennABeeSaves Hello Honey is different each week. Here is last week’s video so you can get the idea : kzbin.info/www/bejne/g57ap5-QftOpgqssi=tgwJReyQpspa7vpL And then watch every Sunday at 8:30 AM EST! See you then ! 💛

[@AfterBudgeting2307]

Love the video 🩵🩵

[@Lifewithmrsvee]

I will be paying my auto insurance every 6 months starting in september❤

[@2SisterBees]

Awesome! It’s so much easier - one less thing to worry about. I wish I could do the whole year like I did in CA…. But then again, I probably can’t afford this FL price for the year ! 😂

[@brendawilliams1975]

Hi Jenn. Why do you think about a reverse mortgage?

[@brendawilliams1975]

That’s what do you think

[@2SisterBees]

This is a good question and I actually have no experience with a reverse mortgage. I actually looked just now to see what Dave Ramsey says about them and he does not recommend however - I also see a lot of critics saying they don’t agree with his reasons. Reverse mortgages are a HUGE decision and if I was thinking of getting one - I would do so much research and get every angle on them that I could before pulling the trigger. You can never have too much info !

[@TheBudgetPrincessa]

great video 🫶

[@mumshiequeen]

Great video. I wish I'll have more money to save. 🙏😅

[@2SisterBees]

No wishing - you have to believe it. Say, “I will have more money to save.” “ I am going to save $___ this week.” Believe it, say it and do it. I watched an interview with Whoopi Goldberg this morning and she said that when she was 6, she would practice her speech for winning an Oscar! She believed it and it happened! 🙌

[@mumshiequeen]

@@2SisterBees Aww. Thank you! Will remember that. 🥹

[@mawleegurl]

What kind of fans are those? Can you link them please.

[@2SisterBees]

Yes- of course! Here they are: www.amazon.com/gp/aw/d/B0C4YMYB7Z?psc=1&ref=ppx_pop_mob_b_asin_title

[@ms.ashley7643]

Fold the $5 bills and half and they’ll fit better and you’re 100 envelope challenge 💰

[@2SisterBees]

Actually they don’t fit folded in half. Only in thirds.

[@ms.ashley7643]

@@2SisterBees I forgot that you use A5 binders not A6 binders

[@2SisterBees]

Yes, this one is an A5. I wish I could just fold in half 😅

[@MariaMedina-ij9ky]

I’m a little bit confused about the high yield account and my regular savings account

[@2SisterBees]

High yield savings has a savings rate that is MUCH higher than a regular savings rate. My Wells Fargo is .01% which is ridiculous, actually and my high yield savings is 4.89% It is a huge difference! If you can let $ sit for a longer period of time ( more than 1 year, ideally) the HYS is the way to go. Here’s an article that might help: www.cbsnews.com/news/high-yield-savings-accounts-vs-regular-savings-accounts/

[@MariaMedina-ij9ky]

@@2SisterBees Thank you very much Have a good weekend ❤️❤️

[@Deadtheory97]

I'm gonna be starting my 5k challenge

[@brendaplans1992]

May I be totally nosey and ask why you decided on a 529 for Jolene and not a Traditional IRA or Roth IRA? I have 3 granddaughters who will be college eligible in 6 years, 8 years and 12 years. I have no idea what is the best way to save for them? I am not trying to completely fund their college but I would like to save some for helping with those costs when the time comes. I appreciate any advice you can share please and thank you!!!!

[@2SisterBees]

I don’t think you are being nosey at all- I want you guys to ask me these questions. I’m always happy to help. 💛 I found this article very helpful : finance.yahoo.com/news/529-plan-vs-roth-ira-163859935.html?ncid=sem-go_21278221141_161680434186__Cj0KCQjw6uWyBhD1ARIsAIMcADqBdKk3h6EpREZt7ZYpcpEt8bMs7JwTTR80JU9P2GzH0wgxYX48XCgaAirNEALw_wcB&ncid=sem-go_21278221141_161680434186__Cj0KCQjw6uWyBhD1ARIsAIMcADqBdKk3h6EpREZt7ZYpcpEt8bMs7JwTTR80JU9P2GzH0wgxYX48XCgaAirNEALw_wcB&gad_source=1&gclid=Cj0KCQjw6uWyBhD1ARIsAIMcADqBdKk3h6EpREZt7ZYpcpEt8bMs7JwTTR80JU9P2GzH0wgxYX48XCgaAirNEALw_wcB

[@brendaplans1992]

@@2SisterBees thank you so much! That article was very helpful!!

[@xolybudgets]

❤️❤️❤️

[@rosalindrogers2754]

Do you play games once you are debt free?

[@2SisterBees]

No- you can play savings games at any point. Use the money you save to put towards the debt. The games are a way to stay motivated while you are saving. Watch this video: kzbin.info/www/bejne/aYTOnZl_m7d4aLssi=5TI6zsFGYKWPdPGx I give a lot of ways that the games can be used.

[@Tmichelle283]

😊💛

[@wendykasper5400]

😊

[@2SisterBees]

💛🐝

[@sistermbudgets]

🐝🐝

[@2SisterBees]

💛💛

[@LaureenAlford]

Why do you have five cash binders? That makes this all seem so much more elaborate and difficult. Trying to understand your system.

[@livinglifewithmama8292]

Why are you wasting all of that space on the paper? Why are you using each section for one thing? Why not use each section for each savings account, Like one section for your regular account and one section for your HYS account. Then on each line make a note of which envelope it comes from, that way you're not wasting any space.

[@2SisterBees]

Because I will continue to add to each category. The space that is for “Car Maintenance” - each time I add to the HYS for that category, I will just write amount and new total under the line you saw me write in today’s video. It’s the same concept as a ledger. I hope that answers your question. 🐝

[@livinglifewithmama8292]

@@2SisterBees ohhhhhhh that makes since!! hahahaha thanks for explaining :)

[@03081416]

Hi Jenn, great video as always! Where can I get the sinking funds tracker sheet? Is it available for purchase?

[@2SisterBees]

It is part of this budget set: www.etsy.com/listing/1668821034/

[@03081416]

@2SisterBees Thankyou so much!

[@EllieOnEarth]

Stopping by to catch up. Looks like this video is a good choice! 🪴🪴🪴

[@2SisterBees]

Yes! This is a whole do over! Nice to see you ! 💛🐝