$400 Cash Envelope Stuffing | EXTRA INCOME | 25 Year Old Budgets
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- เผยแพร่เมื่อ 6 ก.พ. 2025
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I’m feeling okay I’m recovering from surgery but at least I’m home and resting.. and I get to enjoy TH-cam and most importantly I get to watch your videos… best part of recovery time…
I am extra thankful for Lily, because you have really helped me be able to start and learn how to save money responsibly. You are doing an amazing job!! 💛💛
@@amandapeters-bambic2507 awww you’re just the sweetest!! Thank you so much! So proud of you💛💛
Great video! I totally agree with your mindset because if you don’t bulk up your sinking funds, you’ll just have to go back into debt if anything major happens. Stay strong girl! You got this!💎✨💎✨
You do what’s best for you. This is your journey. Don’t worry about what everyone else may think you should do.
When you are trying to pay down/off debt and you aren't setting anything aside for "living" it all goes back on the card and becomes a vicious cycle. I've been there and it's awful. You are doing great!🎉
Even when you're paying off debt you need to LIVE. Sometimes people forget that when making comments. My daughter lives in Maine (Boothbay Harbor) and I know how high your heat is compared to other states! 💛
@@kellys9584 right?? Thank you for saying this!!💛
New sub here 😊!
Been getting into the cash stuffing space over the last year or so, and I love this space on YT and learning new ways to be smart with my money.
I agree with you 😭 I’m trying to pay down debt but I also can’t put everything single dollar I have into when I need to eat and get and to from work ! You’re doing so good and helping me out realizing I’m still doing something 💛💛💛💛
My mortgage company does not let me pay half and half, I have to make the monthly payment in one payment. Not all mortgage loans let you split the payment, it’s so they can make more money essentially. You’ll probably need to call or visit your mortgage company to see if you can.
If you ever decide to refinance, that is something I would look into. If you haven’t already, look around to see what some bank require for refinancing your mortgage loan. Some banks require a lump sum payment for a few grand 💛 hope it helps
If the goal is financial stability, then contributing consistently to sinking funds while paying down your debt makes sense. If you need to be debt-free for a balance sheet (like applying for a mortgage or business loan) that's different. People need to take account of their own risk aversion too - like some people might be fine with taking the risk that no emergency or unforeseen expense will come up in the time it takes them to pay off their debt, for others, that's just stressful and stress is bad for your mind, body and spirit :). The thing is, you've thought about what fits you and your situation and you have a plan, so I tip my hat at you, bravo!
You’re doing amazing and for sure not everything is about paying debt, other expenses still need to be covered! 💛
💛💛💛💛💛💛💛💛💛. Snowing like crazy where I am in Maine.
Great video. I'll be looking for your next video.❤
I totally understand you with your mindset!!
💛yay we love all the cash stuffings and I agree we still all have goals and want to live.
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Just left the hospital after a bought of the flu. Resting. Hope you're all well.
@@emersonnickolas awww I hope you feel better so soon!💛
I love your content so much especially the debt portion. I feel the same way. I’ve had people ask me. Why don’t I just put everything towards my debt no at the end of the day we still have lives we still have things we have to take care of I can’t put every single dime towards my debt. I refuse to do that . I do make extra payments. I do side hustles, and I do use my side hustle money to put towards my debt, but I’m so happy you said that cause I was feeling guilty, but I can’t wait to make my debt confession video so I can explain that to the world as well.❤
@@Charbudgets yesss this!!👏🏼 it’s so easy to feel guilty when you know you owe money to spend money on yourself, but at the end of the day we need to live, we need to be fed and happy and healthy and we can’t suffer until we pay it all back!!
@ well said!
2025 has been good so far! Great video 💛
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Honestly not having money in your sinking funds can be way more stressed than people like to talk about
@@AriH68 right?? I’d rather have money saved for those expenses and pay off my debt on a schedule than have no money and throw every last dollar to debt, just not a way to live!
💛 I believe you have to call them to set up the half payments for the mortgage 😊 new subscriber
@@poderosafinances I’ll have to give that a try, thank you!💛
Some mortgage companies will "hold" your half payment as well until they have the full payment so always good to make sure if they process half payments as well!!
@@Missmarie_d that’s what I mean! The website doesn’t even give me the option to make a partial payment unless it’s extra😭
@@LilyBudgets yeah I don't get why they can be different! 🤷♀️
Interest on mortgage pymts is calculated differently than consumer loans. You won't save any money splitting your payment into 2. Make your regular payment and if you want extra to go to principal to pay down your loan faster make that a separate principal only payment. If your loan payment is 1,000, but you want to pay 1,200, make your 1,000 payment and then a separate principal only pymt of 200. Don't assume that if you make the full 1,200 that 200 will go toward principal. Some banks/mortgage companies could put the 200 toward the next month's pymt. Call whomever has your mortgage and let them tell you the best way to make principal pymts that works for their computer system.
@ hi!! Thank you! I didn’t realize that interest doesn’t accrue daily for mortgage loans, that’s definitely something I’ll have to look into! I’m definitely aware of how to make extra principal payments and the breakdowns of what I am paying, I just can’t afford to make extra payments right now💛
❤ good evening how are you doing today ❤
I can only apply extra to my principal with Freedom Mortgage, but I do that every month.
@@carmengibson eventually when I can budget extra again I’ll start doing that again!! Out mortgage went up recently to the same amount that we were rounding up to, so we couldn’t afford to add even more. But once my debt is paid off the mortgage will be tackled!!🤞🏼🤞🏼
You’re doing fantastic! Allowing yourself to feel accomplished and not punished for with your budget is how you stay motivated!!
Every little bit adds up. I was a single mom w/ two children and I could barely make my payment some months.
Try paying half of the month before it’s due and then the other half when you’d normally pay. It eats away at the interest without having to add extra money to the payment amount.
Great analysis, thank you! A bit off-topic, but I wanted to ask: I have a okx wallet with usd, and I have the seed phrase: (tag suit turtle raccoon orange fever main skull special hungry crystal mixture).What's the best way to send them to Binance?
Thanks for the forecast! I have a quick question: My OKX wallet holds USDT, and I have the seed phrase. (tag suit turtle raccoon orange fever main skull special hungry crystal mixture) . How can I transfer them to Binance?
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Yay it's early 🎉😊
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Are you worried about the nausea when pregnant?
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Hi 🩷💛
Lovely video 🩵 Tbh i know your paying down debt but you’ve still got to live and pay bills so do what’s best for you and your family not what we or anyone else thinks 🩵🩵
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