November 2022 Budget | Cash Envelope and Sinking Fund Stuffing | Paycheck 1 | 23 Year Old Budgeter

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[@Sophxa_Official]

I'm 12. Turning 13 and I have done this for quite some time. I deliver newspapers and I tend to try new ways of saving up. Can't believe there's a video out for this!

[@mariasbudgeting]

I love that you are so young and thinking about finances. Keep up the good work! ☺️

[@elt2773]

Just curious, what country/city still uses newspapers?

[@bethbiddlecombe4]

@@elt2773we do in Wales on the UK. Where are you from that doesn’t? :)

[@Sophxa_Official]

@@elt2773 GERMANY,NETHERLANDS, PHILIPPINES, AUSTRIA, USA, HUNGARY, just cause you don't see it??? Please go outside more cause evey country still has newspapers.

[@Sophxa_Official]

@@elt2773 CANADA, JAPAN, NORWAY, FINLAND, SWEDEN, ENGLAND, IRELAND, SCOTLAND, INDIA, CHINA, FRANCE, SPAIN, PORTUGAL

[@Nonyah123]

BRUH THE WAY MY HEART LEPT IN MY CHEST WHEN SHE SAID $100 is FOUR $20s. I've been working a new job counting 20s by 5 and I nearly died thinking I was about to losemy job

[@ukiahlund8467]

I went through these comments looking for someone else that caught that lmfao

[@downtomarsaudio]

Oh bless you. It also made me do a double take

[@karlaawithakk]

Thought I was the only one who caught that lmao

[@kat_________________]

LMAOOO idk how she though 4 20’s make 100. Stay in school kids.

[@Holy_Basil.]

@@kat_________________ it’s just a small mistake doesn’t mean she didn’t go to school

[@EvelyneMariee]

I am 23 as well and it's nice to see someone my age doing this system! I am so excited to try this system out!

[@iquerradanielle4226]

Me as well!

[@kila9288]

Giirl I'm stressed out looking at this omg lol

[@Yaratheyoutuber]

Samee

[@ashley1919100]

@@kila9288 Girl same lmaooo

[@ChessieChess]

@@kila9288 me too I have no idea what is happening. I guess I need to look at older vids Edit: I looked and I didn’t see any vids about what this system is to explain what she’s doing and she doesn’t mention it in the description box so I’m lost.

[@grey7153]

I’m 19 and I love cash stuffing! It’s a little hard at first to get the hang of it. I love that more people that are younger are doing this and sharing

[@jessica3218]

What is cash stuffing!? I never heard of this before

[@grey7153]

@@jessica3218 it’s what she is doing in the video. There is a ton of videos for beginners on KZbin

[@udontevenwannaknowbruv]

How do you pay for monthly costs if you use this saving system? Do you transfer the banknotes to your bank account? Since everything gets automatically charged from my account

[@Kiwikick238]

@@udontevenwannaknowbruv you can probably go into the bank to pay bills. my dad still does it with his bank

[@kierragibbons9945]

yess i just turned 18, nov 23rd and i'm definitely going to start. youtube is a big help

[@JH-gq4xb]

I do this but on paper. I am too afraid of losing cash in a fire or if the house is robbed so I keep it in the bank. I also pay all of our bills online so taking cash out would mean having to out it back in to pay it lol. But the general practice is the same and I love these types of videos. We've paid off debt, gone on a 10 yr anniversary vacation, bought a house with land with a good down payment and it feels so good!

[@leeraxd]

I think cash in general is not good to have lying around, but if someone is able to make frequent trips to the bank, it's not a big deal. I write it down on paper also but you can also use fake money / play money or Monopoly money if you like having a system like this!

[@MissJK_]

Research what’s coming down the pipeline. Banks are closing accounts with no notice whatsoever. It’s taking months for account holders to receive their own funds back. Also, fireproof cases exist.

[@b-vQEVXideVFSCfCoFWw]

So I'm not the only one who has that fear?

[@CuteMeSizzle]

Literally, who on earth actually pays cash for bills anymore

[@JH-gq4xb]

@@b-vQEVXideVFSCfCoFWw I understand. My husbands parents and my best friend both were robbed. Both in great neighborhoods. It really made me rethink cash in the home. Plus one time my wallet was stolen. My bank refunded me all my money whereas had I had cash it would have been gone forever

[@amy5133]

A social worker taught me to do this when I was 16. I’m 40 now and learning how to budget has meant life has been kinder to me 😊

[@natalynne]

This is awesome to see someone so organized with their budgets. For anyone that doesn’t want to hand count each paycheck, I like to do the auto transfer method where you have multiple bank accounts (I have 12) instead of envelopes that auto transfer every pay period. It’s helped me so much and saves me the legwork.

[@caitxj]

Are the accounts just separate savings accounts? Do most banks offer this?

[@sketchpup5718]

i’ve started to do the same! makes things a lot easier.

[@sketchpup5718]

@@caitxj the bank i’m with lets you have sub accounts which means you can seperate your money throughout them all! as far as i’m aware most banks let you do this (or at least a solid amount) but i’m not sure if it changes from country to country. i know that my bank, while not quite worldwide, does have global locations. i’d advise you to look into it for yourself! :)

[@Lana-cs1pl]

@@sketchpup5718 Mine does too, it has ways to "Categorize" money, keeping each amount separate. Most digital banks/digital wallets have them. It's way more practical than keeping multiple bank accounts. + mine invests all the money there automatically.

[@vanessarayfox]

@@sketchpup5718 What bank?!

[@jeslynasante1327]

Am I the only one watching because it’s so relaxing? 😌

[@mariasbudgeting]

☺️

[@Sub2me112]

I’m 14, and love saving money. I work at a pizza place at two locations, run my own film and photography business, and I work at Maccas. I thoroughly enjoyed this video! 🤗

[@aphrodite.1969]

how do you find the time for it tho?

[@helengrugett]

girl im 16 with deteriorating mental health but props to you

[@RomanticRose111]

What state do you live in?

[@snikoes]

@@RomanticRose111 australia or nz, hence ‘maccas’

[@miahjowers-29]

wow that’s incredible. i cant get a job til im 16

[@dinakolvani8856]

I'm 19 and in college, so I definitely want to start doing this, especially once I get a job

[@mariasbudgeting]

Yay, I'm so happy you are thinking about finances at such a young age! 😊

[@alemunnoz]

I wish I had started at nineteen, whe I got my first job 😭👍 you're doing yourself a life saving favor.

[@flowey01]

Same here!

[@flowey01]

Same here!

[@jaydenmorris3429]

imma start doing this when i getbmy summer job lol

[@msLittleDrama]

I wish I knew this system in my 20s. Now I’m 32 and after seeing your videos, I just have ordered my first budgeting wallet/binder. Hope I’m not too late with my financial journey. Thank you for the motivation

[@randomlyysillyy]

I'm 25 now and just found out about this budgeting tool. Can't wait to start saving $ starting this December 🥺🥺❤ never too late to start! You got this

[@msLittleDrama]

@@randomlyysillyy good for you! You’re like 7 years ahead of me. So by the time you’re my age, you will be so put together financially. Best of luck to you

[@randomlyysillyy]

@@msLittleDrama Same to you as well! ❤

[@sam.gr00]

Maybe a bit cliché, but it is never too late to start doing good things. 😉

[@melarie205]

your never too late

[@tirshasmith5999]

I just ordered these budget books/envelopes on Amazon. I am going to Mexico in May 2023 so I’m putting aside for that. Your nails are fire by the way! Definitely putting money aside for the salon lol.. I am 42 and I am completely debt free as of last year. I am a bartender so I come home with cash daily, this is such a great idea. I have savings that I don’t touch and my checking has enough for house payment, insurance, bills, utilities, etc for up to 6 mos. Putting cash aside for me is like a “set it and forget it” type of mentality. Pandemic 2020 was a real eye opener for me and I’ve also started prepping for either bad weather or natural disasters in case I can’t work. I love this idea so thank you for sharing this method and way of thinking. Hope you have a wonderful day! To anyone reading, know that you are valued and loved. ❤

[@Carmz135]

you too you are loved and valued!! thanks for your post

[@oldblo0d]

Hope your trip goes well!

[@heathermarie8334]

Hope you had a good trip!

[@angelaadams1858]

For me, seeing my money all laid out is incredibly helpful. When it's in the bank I tend to make more mistakes with spending. I love the idea about dealing with cash, we have kind of lost that in this day and age. I would probably get a firesafe to keep everything in though, im paranoid. Thank you for creating such a helpful video.

[@pixiepalasmr6881]

A fire safe is an excellent precaution!

[@ronjalaurila922]

Fun idea! A bit confused about the splits though. 100 for gas but 80 for groceries

[@ChanEspy]

Possibly a long commute for work. I spend roughly $100 a week in gas - 112 miles round trip daily for work. Aldi and Lidl are cheap for groceries.

[@bigd6169]

Maybe her groceries give her gas therefore she needs alot of gasX

[@nuages8915]

Gas is expensive ?

[@uglyrobot1975]

@@nuages8915 To fill up a tank it’s like 30 or 40 depending on the car and how fully you fill it

[@emmyily]

obviously this varies per person, budget to what suits ur needs. i spend ~$40 a week in gas.

[@BamitzSam711]

Once i get debt free (about 10 months until my car and 18 months until my loan is paid off) I'm going to do this so i don't put myself back in debt, I'm 28 and made some bad choices with credit cards but the past few years of not being able to afford fun things, i think has broken me of the FOMO that got me into debt to begin with. Now i actually stop and ask myself if whatever i'm buying will improve my life or if it will give me a temporary dose of serotonin.

[@feliciasuharja4466]

I have been longing for an iPhone since +-10years ago and still debating whether I should splurge and go FOMO for the iPhone 13 pink.. or save until I could get another chance in the future.

[@kaydkaydkayd]

with how stupid apple acts that pink probably wont be released again for a long time lol so i say go for it

[@julianagrisalesardila]

Feel you. Same situation. The good thing is that we learned,the bad way, but we learned.

[@zakraouisara9191]

can u explain to me the credit card part because our payment system here is different and I would like you to give me an advice how should I use the credit card ?

[@feliciasuharja4466]

@@zakraouisara9191 well I think its more like how well you could control yourself about your spending in regards to what you could earn, so the balance stays in positive and you don't get into trouble by going into credit card debt. Because if you only pay the minimum bill for credit card, it will charge an interest based on how much you still haven't pay them in full (if you purchase something more expensive than you could afford, for example, if you feel Fear Of Missing Out in buying the latest iPhone, in 12 month installment for example, each month if you pay your credit card if not in full as charged that month, it will build up 'debt' that is compounding in interest)

[@willowsnowdrop517]

What did I just witness!? This is AMAZING! Wow I really need to get on my budgeting game. Also the way you count your money is so relaxing

[@gytis8741]

Taking envelopes out was a such a great idea. so satisfying to watch you fold those bills

[@arminta76]

it’s not just enjoyable because it’s a savings video, but it’s aesthetic and satisfying❤

[@laralove201]

First I want to say, I'm horrible with money, so I have huge respect for the fact that you're able to do this. Just confused, how can you survive with $60 in a month on groceries. I mean is there no inflation?! And $10 for restaurants, that's how much one cocktail costs. 😮😮😮

[@juliajuliax]

I'm pretty sure that this wallet is per week. So you gotta save up a bit more next week to eat out.

[@laralove201]

@@juliajuliax thank you, that explains a lot, now I get it

[@melaninandaura9713]

I thought of this technique when I was 16 that was 17 years ago. It’s good to see so many people doing it.

[@jessicadragon3954]

I’ve never seen anyone do it this way and let me tell you you’ve changed my whole perspective on budgeting! ❤ love this xx

[@reshmadasam5331]

I'm 18 rn and am excited to do this, you make ppl realise that they need to think smart with money and finances , keep up the good workk

[@IndieCindy3]

Did watching this give anyone else anxiety? I don’t like having too much cash on me (I usually won’t carry more than $100). And this method seems like such a chore, though I can see how it would be great for someone who earns tips and/or who has the time, patience, and enthusiasm for such a task. I was scrolling through the comments trying to find the answer to how she pays her bills but didn’t see any response from the content creator. I have most of my bills on autopay because I worry about being late on any payment.

[@1rage17]

My place won’t accept anything but check, I wish they would do cash though. I hate using the bank cause I really don’t trust the electronics to organize my purchases, so many ways a false charge can get undetected and makes it harder to organize & save. With this method you can feel it in your hands, visually view what needs to go where, and I think this is a more trustworthy way of operating. Also it makes you more apprehensive about spending because just a click of the button can be addicting and making it way too easy to overspend. If it’s right in front of you I feel like I save better doing it with cash. Too bad everything charges on card though. 😢

[@lashaddictem7750]

It’s not smart to use cash over a credit card

[@honey3693]

Probably case to case basis. This is maybe good for those who wanted to save up and track their expenses or those with little money to make sure they can budget. If you are usually a credit/debit card person you may need a different strategy.

[@PixelBoredom]

It can be a chore but it really helps people get in tune with their spending habits. There is an app that does this same method which I prefer because all my bills are paid online and too much cash on hand is easy to lose. For those that need something physical to budget, I've seen people use fake money while the real money stays in the bank.

[@lulu486]

As a social worker, I have helped people budgeting many times. Personally, I’m not a big fan of cash either (for the same reasons you gave). But for some people, budgeting with ‘real’ cash, gives them a better look on their spendings. It can be easier for some people to see the money they are spending while they are doing it. For those people, I would recommend having there bigger bills (rent, etc) on auto pay on their account and the “luxury spendings” (going out to eat, fun things, etc) in cash and organised like this. I hope that makes sense, English is not my first language.

[@jaidahgadowski24]

Not even five minutes in and i immediately went to the entry shop I’m so excited for my cash envelopes I love cash stuffing and your videos have been helping me so much

[@victoria5886]

I love this!! This is the first video I have seen doing this and up until this point I've not budgeted at all and blown so much money. You have inspired me to start budgeting! I am still young so I am thankful I came across your page, here's to starting something new!

[@HansikaBrown]

Great video,I wish they taught me this in college. You've helped my family With your advice. You're such a blessing to this community. As a beginner i was scared of losing my savings but I'm glad i took the right decision that's now favouring me. Thanks Ms Sarah Forley for putting me through.

[@clarawakanda]

Investing is considered a bedrock in making generation wealth. Most people don't know when, where or what to invest in. Fortunately, great investors of the past and present can provide us with guidance and ideas.

[@shiellychurchill1579]

You're right! I and my husband embraced trade fully after witnessing how it handsomely profited his colleague in the office, who finally recommended Ms Sarah Forley to us for legit Tradings

[@bettieneville]

Exactly, I noticed the sudden increment of commodities recently, and multiple streams of income is an opportunity. If you don’t find a means of multiply your money you might wake up a day to realize you didn't plan well for yourself.

[@villicentmark]

is there any means of communicating with her? I need help,

[@shiellychurchill1579]

She's mostly active on TELE

[@tahofu2618]

I make the same in 1 paycheck and have never been able to set aside money for that many things .. you’re awesome

[@mylifecameraroll2733]

I was thinking the exact same thing! I really wanna give this method a try but... the way I do things now is, I pay all my bills or cards then whatever money I have left over is gas/food/etc and WHATEVER is left over from that is my personal fun money 🥲🤧✋️

[@ZucchiniShadow]

Thank you for making these videos :) I will be doing this as my New Year's Resolution - I am terrible with money and especially impulse buying. I think seeing the money physically broken up & playing saving challenges/games will make me see it differently.

[@GAMEBEATER6000]

I want to learn budgeting so I can move out of my parent’s house after saving up! I’m so so glad there is a KZbin channel for budgeting videos! Thank you :)

[@barsxsalicia]

I love this video. I used to be so good at saving my money, but the past 5 years or so I’m in debt and unable to save anything past $300 a year! Need to try this system out for 2023. Thank you !

[@DavidEVogel]

May I ask why?

[@niknekoops]

Oh I feel that. Went back to school that doesnt give financial aid and loans are not allowed, I’m broke broke, but once I’m done and have a better paying job I want to do this to help me save again quickly.

[@CoralJustice]

Thank you for posting this kind of video. I'm 29 and I have never seen someone so organized with their money. I would love to try it out

[@KarolinaSediva-xn6rv]

when maria teaches you more then teachers like omg i will definetily do this THANKS! :D

[@nvluzinha]

I just loved this video so much. I mean, so much. I have a lot of trouble with money and just watching you saving your money and splitting which amount goes for what just inspired me a lot to look for more tips on your channel! so cute and inspiring :)

[@sincerelyagenshinplayer4666]

Keeping cash on hand helps with my spending. It serves as something of a physical limit and keeps me from using my card every chance I get. But this is really helpful ❤

[@ezelysrios]

said i wanted to do this last year & since then i have made so much progress thank u sm 💕

[@usagimochi89]

welcome to another episode of what youtube recommended me~ have no idea what this is but it’s relaxing 💜

[@mrsjuniormint78]

Maria, I just want to say that you are one of my favorite youtubers. Your voice is always so calming and I love how easy it is to follow your journey. I love Sweet Bunny Blessings stickers, she has multiple colors to choose from and her shipment is fast. I also like Suns N Roses for other fun stickers, her collection is different and her shipment is also fast. I can't wait for you to open your Etsy shop!

[@mariasbudgeting]

Thank you so much for your kind word and for shop suggestions! ❤️

[@xbbeeaarr]

I am so bad with my money, but I have been doing better on it recently, so watching your videos always motivates me to improve my saving and minimize my overspending. I love that little binder/wallet! anyways I subscribed so I can get notifications to your channel more often :)

[@keanarika]

I love the new envelopes! I would definitely place an order in the a7 and a6 size!!! Love your videos!! 🥰

[@mariasbudgeting]

Thank you so much! ❤️

[@jazminyz]

It’s interesting seeing someone budget like this. Could be useful for those that struggle. I always just had the self control to know what I spend and not over do it. I should send this to my friend lol

[@riseabove5208]

Two into the video!!! I like the dividers with labels!! 🎉❤ When I was in my twenties, fresh out of my parents’ home, I had to do use a similar system (with white envelopes) in order to understand exactly how much I was spending and where it was going.

[@risarisa930]

Watching your video is so relaxing thing to do!❤❤❤ I’m 26 and I spend all my money every month😢after watching you planning your money maybe I should start to organize my budget too…but we don’t use cash anymore in my country. So maybe I’ll figure out some way I can do budget online. 🎉

[@nicolefranklin1752]

Everything is so aesthetically pleasing!

[@beautifullyblessedbudgets]

I’m in loooove with the lilac binder and envelopes! Like absolutely love it!!!😍💜 Yes please sell them! Great vid💕

[@mariasbudgeting]

Thank you so much. I am working on posting them to Etsy! 💕

[@Ech0sinmyhead]

I’m about to get my first job this summer and I’m 17 and I may start this method! But I’ll also explore with other methods and then see which one is best for me. Can’t wait to start making some dough and helping out financially for my family! (And I have a few things I wanna save up for 🤭)

[@helle_larsen]

Love these savings challenges, it might make budgeting a bit more exciting! 💙

[@mariasbudgeting]

Yes it does ☺️

[@renanel8915]

Okay, you know what, I'm always trying to save and stash up at least $300 for significant something but then I need to be on a spending budget of $200 but also need food (but also eat healthier food). Thenon rare occasions, I'll take out either $50 or $150 at most to stash away in case something happens and I end up getting kicked out. But I don't make enough. I'll do it. 🤩

[@aparna8700]

I'm 39 and i need this method! Thank you for sharing this!

[@1t1s.what.1t1s]

I need to try this, I started my very first governmental job and this video showing up now is a sign.

[@defxeliz]

I’m 10 and I started a business , I make bracelets and I also make phone charms . I usually save all my money and put a lot of my money into my collage savings , but I’m also thinking of starting to try this method that you do 💞

[@dina-fj6zl]

Hope you grow your business and save for college. Good luck!

[@grownupgoth]

I found this video very soothing for some reason 😌

[@maryoforka3903]

I love the way you send your money wisely

[@nancyl.beauty4015]

Randomly came across your video and I loved it. I’m so unorganized with my money. Thank you for the idea.

[@maynardewm]

I just found this channel and this is fascinating to me. My finances are all over the place and there is zero consistency around how much I spend in various categories. I.E. Some weeks I don’t drive at all and some weeks I may be driving to a speaking event 4 hours away. And food is all over the place. Some weeks I’m not feeling well and barely spend any money on food, and other weeks I may go out to eat 3-4 times. I don’t think this sort of budgeting would work for me because my life is just too inconsistent (mostly because of health reasons) but the organizer in me still finds this really interesting!

[@DavidEVogel]

I don’t think this sort of budgeting would work for me because my life is just too inconsistent The envelopes are part of my "no surprises" budget. Dentist envelope $40/month. $1200 for a root canal always comes at the wrong time. Now I have $1200 for the dentist. $40/month is "consistent." $1200 is not.

[@fflur7049]

I live in a country where it's illegal for me to work based on my visa, so I'm 18 and have never had a job (though I've wanted one), so I have no idea how to do finances/budget and save. this is teaching me so much, thank you! i'll definitely do this when I get a job.

[@Ash-rd9wy]

Your hand movements are so fluid. My brain is very mesmerized.

[@NoahandTimothy]

Well done on working so hard & sticking to this! At your age, you are such an amazing example to follow!!!🙏🏼🤗

[@July4ik]

I like the system, but kinda get frustrated with the amounts... 10 dollars for restaurants? what can you get in a restaurant for 10 dollars??? same with dates and fun... there is no fun in 10 dollars...

[@TheGoddess0fWar]

It is not suppose to be for immediate use - you build up the amount.

[@angellopez2780]

girl im so thankful yt recommened me your video... you're about to change my life....

[@Alice-qc8yl]

Watching this video does give me inspiration! I am not a cash person, and only roughly budget on housing, daily spending (tax/phone bill…etc), and others(shopping/beauty..). Mostly pay whatever comes my way. I should start budgeting future plan like travel,insurance and investments.

[@megandunning1558]

I bought my 1st budgeting booklet beginning this month and It has helped big time normally ill be counting pennies by now not paper bills

[@mariasbudgeting]

I am so glad! 😊

[@JudySpeaksDinero]

Yay for almost being done with your envelope challenge! ☺❤🌸

[@mariasbudgeting]

Thank you ! 😊

[@TinaShmina]

I love these videos, they make me feel safe

[@moon-fox-night1755]

I would really love how you organise and calculatr your money for your budget system! it's really inspiring how you do it!

[@madielaine8875]

this was in my recommendations and i have horrible spending addictions i'm assuming bc i'm 18 and just started having a good job i just spend spend spend but this is my sign to start budgeting and to control my impulsivity, tysm!! :)

[@sparklight0964]

I’m the opposite I tend not to waste money on frivolous things especially since I dont have a job

[@ElegantlyDivinee]

This is real Boss Babe tings and I thank you for this inspiration/motivation 💰💕

[@mariasbudgeting]

Thank you! ☺️

[@glowingmountain1273]

I love the idea of having transparent money that means it exist in the bank!

[@BudgetBae_1]

Ah! I love that colorful reflective pouch!

[@ailaka1925]

I love Moterm wallets, I want one so bad. But I can’t afford it just yet. But soon! Watching y’all videos makes me so motivated, I’ve been trying to start, but things keep happening where I have to empty my envelopes before I can get them to grow, and I don’t even stuff them all as it is. 🥺 I’m determined to figure it out though, and the more videos I watch, the better I feel about doing this. I’m hoping that starting my next check I’ll be able to pull out for just a few sinking funds, while leaving my bills in my account (I’m too scared to take them out yet), and I’ll be able to slowly stuff them as my bills are taken care of, and I get a bit of a buffer in my account.

[@UnknownUser-ct8ic]

i love budgeting. I don't use cash im strictly a debit card user, i feel like in the long run i was saving more using my debit vs cash but love writing down my bills every month and feeling organized. its helped me save so much. im only 25 and feel financially comfortable because of budgeting

[@samantharowell9733]

See I'm the opposite. If I have a card, I'll spend it all. Where if I only bring the money I'm "allowed" to spend, it'll force me to stay in budget and put stuff back if I can't afford it lol

[@GoldnLion]

You’re doing a great job! I got a job offer today that uses my Associates degree and my plan is to use your videos to help me for an entire year of budgeting.

[@Dar_1ing]

im turning 16 soon, and this is making me feel more comfortable with my ocd and how i wanted to handle my money 😂 i will defienitly be supporting your esty for my sake and yours!!! tysm for this brillent idea.

[@jocelynmorales4742]

Unrealistic for me but aesthetically pleasing

[@mariasbudgeting]

☺️

[@cshelbyc]

i’m 18 and in college and i’m excited on starting this budgeting journey with my new “big girl” job lol

[@mariasbudgeting]

I am so happy for you! You are going to do great! ☺️

[@alexisaguirre9629]

you better really job counting with your money you do have a lot of money. I watch you all the time you are the best KZbinr because I watched a lot of your videos. I'm six years old. My name is Adalyn and when I get older, I go be a KZbinr my birthday is in summer, August😊

[@clairefisher3132]

This is really good asmr I’m totally relaxed and falling asleep!

[@bossupbudgets]

That’s so sweet that your dad is taking over your car insurance ❤❤

[@mariasbudgeting]

Yes, he's the sweetest! 💕

[@YodaTheCat321]

genuine question - I feel like the vast majority of my expenses (online shopping, bills, internet, travel) is online.. how do you manage to pay for everything in cash?

[@kyleighwhite1409]

I’m so glad I found this method of budgeting because I am a very visual person. So if I cant see it, it doesn’t exist

[@mariasbudgeting]

Me too! 😊

[@yyyyyy775]

I'm 23 too, and I'm broke af, this made me feel the pressure, gotta get it together,thanks for the reality slap

[@honestbudgets9665]

I love Sara Marie’s stickers!! Great quality & fast shipping!!❤

[@mariasbudgeting]

I will check her out. Thank you! 😊

[@cma9662]

Love Sara Marie’s stickers … and her KZbin channel!

[@lalanabudgets]

Can’t wait for your Esty shop! and I had the same problem with RominaRossa. I had ordered some envelopes from her and it took sooooo long I just ended up canceling, it was unfortunate because I really like her products, but there are plenty of other shops. But anyway great video 🙂

[@mariasbudgeting]

How did you cancel the order? I went on the website and I can’t figure out how. Thank you for watching ❤

[@lalanabudgets]

@@mariasbudgeting ok course! and I just emailed her and told her I wanted to cancel and she canceled it and sent me a refund 🙂 the refund took a lil while also but she eventually gave it back to me 🙂

[@mariasbudgeting]

@@lalanabudgets I emailed her. Crossing my fingers in able to cancel the order! 🤞🏽

[@Dora.....]

Idk why but these videos are calming

[@noahcraven]

This makes me realise how much of a cashless society the UK has essentially become in the last few years. Birthday money from my Nan is literally the only notes I ever receive!

[@noahcraven]

Obviously subject to your job of course, but most people are not paid in cash and therfore otherwise don’t have the need to keep it on them or around the house because of how widespread contactless payment is for both small businesses and chains/franchises

[@Snowhite-tx4sm]

Same in my country but i keep some cash for emergency and well for fun.

[@jasminegaspar8022]

How do you budget any card/ credit card expenses? Or is everything paid for cash only? I want to do this system but I use my cc a lot and pay it all of at the end of the month.

[@lailasyt]

ive been here since tiktok and then switched over to your youtube channel! these vids are so calming

[@rosaleeforest8207]

i was super looking forward to this video, the tone of voice basically doesn't change and its driving me crazy

[@Iadyven0m]

This is great for the kiddos but watching this as an adult is driving me nuts…. Learn a few tricks on Microsoft excel by watching KZbin vids, make a chart of your expenses/saving goals, design you excel spreadsheet, you get good at it, show and talk about your excel spreadsheet on job interviews and land a high paying job cause you’re now good and familiar with working with excel spreadsheets. Extra money and new skill acquired!

[@claudinebudgets]

You talked me into trying the 100 envelope challenge!

[@mariasbudgeting]

Yes, give it a try! ☺️

[@witchybudget]

Beautiful nails. Beautiful setup. Thank you!

[@MARIBUDGETS]

Catching up and love the new envelopes. Love your videos. 💚

[@mariasbudgeting]

Thank you so much! 💚

[@damnimstillalive8310]

I have a question, do you always spend within the budget for each catagory? Like if you're buying groceries and you're short of money, do you like put some groceries back or take money from another catagory?

[@anniewilson4001]

hey i’m new here, love this idea but i have a few questions. on the categories like restaurants, why do you only put $10 in there? i understand you’re saving it’s just realistically restaurants aren’t that cheap. same with groceries, how does $80 get you by for the month? is this a monthly thing or is it shorter time periods that this is for. sorry if i’m wrong about something haha just a general thought i had

[@IndieCindy3]

As far as groceries, she lives at home, so she likely just pitches and/or goes and purchases her own wants. The restaurant one does have me scratching my head. Is drink money? Tip money? Perhaps it becomes redundant to repeat all of these things in every video, but she should have something written out in the description so that people getting recommended these videos aren’t so lost. This seems to work well for her because she’s unmarried, seemingly child-free, and living at home.

[@CerealSalad]

Her rent is only $145 so I’m assuming she lives with her parents/family. Some of the other bills seem low too so I’m assuming her family agrees she pitches in a certain amount. Still it’s nice to see people budgeting and making emergency funds and not counting on family to be a safety net. The overall idea is applicable to other lifestyles. I’ve been using this method but leaving my money in the bank and having an excel spreadsheet “envelopes”. I don’t trust cash around even the best roommates. I’ve been doing it since I moved out at 18. It didn’t feel like it was working for the first 5-7 years but years later I’m hitting my financial goals despite only having modest income. In the early years I felt like it wasn’t working because my monthly savings were so small but friends in similar circumstances took on expensive car loans and credit card debt during that time to have a similar lifestyle. I’m assuming the $10 a month for restaurants is just 1-2 coffees or one drink out. Or she saves ten dollars for several months and then treats herself to something bigger. Some people don’t eat in restaurants or take a break from restaurants while saving for something special. If you go to restaurants give that envelope more. 😊. Her amounts won’t work for other people, you need to make your own realistic amounts that fit in your budget.

[@anniewilson4001]

@@CerealSalad yes thank you, i 100% agree, it nice to see this over other people on the internet spending money on useless things. id love to start doing this at some point but as i’m 17 the money i earn can be practically used for anything so i don’t need to budget just yet haha. i know ofc other people’s budgets wouldn’t work for other people, i was just genuinely curious what restaurants she was going to that are so cheap hahaha. thank you for your insight tho i find it really interesting!!

[@brittany09]

I love your dedication and organization skills! I just hope and pray I'm good at the end of the month when I buy anything out of the ordinary 😅

[@jessicapeck5322]

Why is this relaxing

[@merpast]

the weirdest splits I've ever seen. $150 for birthdays and $20 for business. 6 different categories for the same thing. this is stupid

[@urvashi5333]

how do you decide how much money to add to each envelope? and what is your system of different binders? fascinating stuff to watch

[@mariasbudgeting]

It's trail and error. It takes time to figure out what numbers and categories works best for you. These are my usual numbers but sometimes they have to be adjusted. For example if I had plans to go out with friends I would probably add $50 to restaurants. My pink binder is bills, blue is savings, and the clear ones are sinking funds (mini saving for something that will come up like Christmas, Car Registration, Vacation etc.) and of course my wallet for my daily spending. Hope that helps! 😊

[@chelsaterra4815]

You have inspired me to do the 100 envelops challenge I will start in the new year and plan to work my way down from 100, 99, 98, 97 ect. I can't wait to start and hope to be done in a years time.

[@aranara_song]

idk why this is so satisfying but it is

[@novalux_20]

Love this, where did you get the cards to represent how much money you have in the bank for different categories?

[@Buecherlyrics]

This is so interesting. But I dont really get the system. Do you carry the planners everywhere you go?

[@akyoshiya]

im assuming not, if she doesn't pay the stuff in cash im guessing when she needs to pay off/buy smth she'll transfer it into her bank, at least that's what i would do

[@Claire-vu7od]

Thank you so much! This was so helpful to teach me about budgeting!