CASH UNSTUFFING & CONDENSING | AUGUST SINKING FUNDS UPDATE | UK CASH STUFFING

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  • เผยแพร่เมื่อ 12 ก.ย. 2024

ความคิดเห็น • 131

  • @thethriftytabby
    @thethriftytabby ปีที่แล้ว +7

    As a person who works in energy industry in UK, what I can advise is. - contact your supplier for your monthly projection and compare your direct debit. If it matches, you can use this money. Your direct debit is reassessed every 3 months based on your usage but projection is based on whole year of usage and forecast. If you'll keep your direct debit close to projection, you don't need extra money on hand. This is why we have it in first place, it works as an energy envelope ✉️ ❤

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Ah that’s good to know. I’ll get in touch with them and see what their advice is. Thanks for the insight! X

  • @eileenjoyce-prahalis3956
    @eileenjoyce-prahalis3956 ปีที่แล้ว +2

    Keep the energy buffer for one more bill. You don’t want to get caught off guard!! You will be kicking yourself later if u need more money!! I love your videos. You r doing a smashing job!!

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      I’ll keep a good chunk in my buffer just in case. Thank you! X

  • @LittlePetal91
    @LittlePetal91 ปีที่แล้ว +5

    Oh man! This is so satisfying to watch. It's only a dream to me at the moment to be able to "condense" anywhere near this amount, but I do feel watching your channel (among many others - I'm almost addicted now 🙈) that I'm definitely on the path to having substantial savings!

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Ah I’m sure one day you will! I started out small and now I try and budget so much I don’t spend that much on things I don’t need! Watching videos definitely inspired and helped me! X

  • @BadGalBudgets.
    @BadGalBudgets. ปีที่แล้ว +1

    Love watching your cash condensing, it makes me want to keep going 😂❤

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Yesss! Love getting motivation from others!! X

  • @StaciesBudget2509
    @StaciesBudget2509 11 วันที่ผ่านมา

    I have 220 in my energy still. Im leaving mine in there for this winter and if its still in there in March im gunna take it our and add it to my birthday fund xx

  • @celestebarrentine3922
    @celestebarrentine3922 ปีที่แล้ว

    Brilliant. These are so relaxing... I consider it therapy to see you condensing and taking a nice chunk back to the bank. Your voice is so soothing and you keep up a steady conversation. I am so relaxed after one of these videos. 26:40

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Haha I love watching these too it is like therapy! thanks so much ♥️

  • @beautyloving3386
    @beautyloving3386 ปีที่แล้ว +1

    cash stuffing has completed change my life- I have a small income compared to what I was used too, and I saved 500 this month!!!! I barely spend money on things I do not need! Thank you for inspiring

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Wow well done that’s amazing!! X

  • @thestilltryingmama
    @thestilltryingmama ปีที่แล้ว

    I get a great sense of satisfaction watching this video! ❤

  • @Budgetwithhoney
    @Budgetwithhoney ปีที่แล้ว +1

    Ahh best part of the week is when you post a vid!!!🥰

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Yay! Thank you! ♥️♥️

  • @MC-hn5go
    @MC-hn5go ปีที่แล้ว

    Great condensing Iris 👏 oh I would leave the energy money as a buffer ….can always put it towards your hol next year but at least you have a buffer for the winter xx

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      I’m keeping some buffer thank you so much! X

  • @bonsmoms980
    @bonsmoms980 ปีที่แล้ว +1

    For energy…maybe ask yourself a couple of questions…
    1. Do I have room in my “every day” budget to cover increased energy costs?
    2. Did I need this extra money during the energy increases from the last year or 2?
    3. Is there a sense of piece knowing I have this money set aside or does it feel like it could be put to better use? Maybe your £500 buffer is enough “safety”…I see this challenge is almost complete!!! Or maybe this money completes that challenge.
    Guess this is how I would approach that envelope/savings…may or may not be helpful 🤷‍♀️

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      This is such good advice!! I’m going to have a buffer anyway in each envelope so I might use it to boost my buffer and maybe put £150 or so to holiday. Obviously 😂😂😂 xx

  • @Cat8395
    @Cat8395 ปีที่แล้ว +1

    On the energy sinking fund, I would keep it where it is ! Two christmases ago, I was hit with a £700 energy bill out of nowhere, three weeks before Christmas.
    Luckily we were fine, but it could have really really affected Christmas if I wasn’t prepared !

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว +1

      Oh gosh really?! I try to keep up to date with meter readings so I sort of know where I am at. I will definitely keep some of it though! Thank you x

    • @Cat8395
      @Cat8395 ปีที่แล้ว

      @@irisbudgets It was awful. Someone from the energy company (this was back before we were upgraded to a Smart Meter) had come to read the meter months before and had imputed the reading wrong (basically as if we’d hardly used any electricity since the previous reading) so my direct debits had decreased drastically. I hadn’t noticed as I wasn’t budgeting or keeping track of my bills back then. When they came to do the next reading, they obviously inputted the ACTUAL usage so basically had to pay for 10 months worth of electricity in one go - and they gave me a month or a fortnight to get it paid (can’t remember, but just remember it was a fortnight from when I opened the letter). Luckily had the emergency fund to do it and it seems quite an isolated problem but I wouldn’t want anyone to receive that same bill in the first week of December and not know how to pay it !

  • @gillianhope7742
    @gillianhope7742 ปีที่แล้ว +1

    The bank holiday total confuses me too 😂
    Such a beautiful set up x

  • @laylaa9787
    @laylaa9787 ปีที่แล้ว

    Great video. I would keep half in energy and put the other half towards holidays.

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Thank you!! I’m defo going to use some of it elsewhere! X

  • @BudgetwithDanni
    @BudgetwithDanni ปีที่แล้ว

    Love cash condensing videos. Fab video Iris 🩷🩷

  • @charityw2023
    @charityw2023 ปีที่แล้ว +1

    Your cash condensing videos are always so satisfying to watch!

  • @susanmcmurray3624
    @susanmcmurray3624 ปีที่แล้ว

    I’d keep hold of that energy money until the end of winter….. if you don’t need a top up by then I would add it to your holiday fund.

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว +1

      Thank you Susan! I think I’ll split it up and add some to buffer x

  • @natashaarrowsmith2294
    @natashaarrowsmith2294 ปีที่แล้ว

    These are my favourite type of videos ❤️❤️

  • @Frugalityislife
    @Frugalityislife ปีที่แล้ว

    New to your channel & catching up on videos. Great savings and I enjoyed your condensing ❤

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Welcome and thank you so much! ♥️

  • @RobinsDocumentedLife
    @RobinsDocumentedLife ปีที่แล้ว

    🍷Relaxing after work. 🥰

  • @mammytothepreecetwins6693
    @mammytothepreecetwins6693 ปีที่แล้ว

    So addicted to these videos 😂

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว +1

      Yey thank you ♥️♥️

  • @CCbudgets
    @CCbudgets ปีที่แล้ว

    Great as always Iris. Love a good cash condensing. Dunno what happened. I watch your vids on the big screen and always forgot to comment after. Hope you've been well. ❤

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Very well thank you so much!! ❤️

  • @Esmebudgetz
    @Esmebudgetz ปีที่แล้ว

    Absolutely love your condensing videos ❤

  • @ruthietoothie080
    @ruthietoothie080 ปีที่แล้ว +1

    This is really encouraging that putting 'just' £5.00 away really makes a difference! Thanks for sharing! I was fortunate enough to snaffle myself a Bee Binder - to go with my Moo Biner... Happy happy days! Thank you!!! Rx

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      It really does add up Ruth!! Every 5 counts 😀♥️♥️

  • @Esmebudgetz
    @Esmebudgetz ปีที่แล้ว +1

    You make it look such a breeze to save 😂❤ love it- very inspirational as always Iris ❤

  • @BudgetwithVee
    @BudgetwithVee ปีที่แล้ว

    Yay love these videos so good to see the progress

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      I'm so glad! Thank you! X

  • @jacquelinesnailmailmummy
    @jacquelinesnailmailmummy ปีที่แล้ว

    Very satisfying! Love these videos. Could you add some of the energy money to your emergency fund? That way if you do get a big bill in winter you can take it from your emergency fund.

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว +1

      I think I’m going to add some to buffer!! Thank you xx

    • @jacquelinesnailmailmummy
      @jacquelinesnailmailmummy ปีที่แล้ว

      @@irisbudgets sounds like a good plan

  • @Caroline-ix6hz
    @Caroline-ix6hz ปีที่แล้ว

    Even saving coins does add up. We are moving my son back to college tomorrow and he has a container of quarters for at least a few months of laundry. Love watching as always Iris.❤️❤️

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      As that’s so cool!! Great way to start saving I wish I had done that when I was younger 😂

  • @breathelori
    @breathelori ปีที่แล้ว

    Yay another video from Iris! I suggest keeping 100 pounds in the energy fund and putting the rest towards your holiday! :)

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Good shout!! I’m defo going to split it up a bit ! X

  • @reelroyals3222
    @reelroyals3222 ปีที่แล้ว

    you could put some of the energy money in miscellaneous. But I would still keep a little buffer in energy.
    great video. always enjoy watching…🤩🤗

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Defo! Thanks so much x

  • @budgetwithtasha3703
    @budgetwithtasha3703 ปีที่แล้ว

    Love your cash condensing videos. Amazing progress with all your envelopes 💜

  • @mymoneymatterswithest
    @mymoneymatterswithest ปีที่แล้ว

    Something exciting about cash condensing! 🎉I tend to do mine as I go along 😂 Greta to see your progress ❤

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Thanks Esther 🙂♥️♥️

  • @planningforreality
    @planningforreality ปีที่แล้ว

    Its always great to look back at the month and see the progress. I would keep the energy bill money just in case. You can always move it arojnd later. ❤😊

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Thank you I’m going to add most of it to buffer xx

  • @LyndsaysBudget
    @LyndsaysBudget ปีที่แล้ว

    Fab video 🎉 can't wait till you get to count the £5 challenge 😀 will be a great amount to go towards your hols xx

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Ah me too!!! Soo looking forward to that xx

  • @Lucyluxor
    @Lucyluxor ปีที่แล้ว +1

    I'd keep some in energy fund

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว +1

      Yeah defo going to keep a big chunk might just add it to buffer for that binder though x

  • @CraftyBudgeting
    @CraftyBudgeting ปีที่แล้ว

    Love a condensing video 🙌🥰

  • @deborahbrown1242
    @deborahbrown1242 ปีที่แล้ว +1

    Save half the energy for winter and other half into holiday x

  • @thebougiebudgetuk
    @thebougiebudgetuk ปีที่แล้ว

    With the energy fund, I’d keep half in the buffer and redistribute/spend the other half. Most people are saying to add some to your holiday fund - go for it! 💖

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Yep I think I’m going to do something like that!!! Defo! Thank you xx

  • @veronica6907
    @veronica6907 ปีที่แล้ว

    Great job 😊

  • @RobinsDocumentedLife
    @RobinsDocumentedLife ปีที่แล้ว

    With your energy fund extra, (with all laughter), I say buy your damn cushions woman! 🤣🤣🤣 What you don't use, I'd keep it in there just in case. haha Love you friend!

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว +1

      Haha Robin I bought some a couple of months ago!! Love them - so overdue 😂😂♥️

  • @shecanbudget1170
    @shecanbudget1170 ปีที่แล้ว

    Great progress on all your envelopes this month. I'd keep at least half of your energy fund in it's current home (in case you need it over winter - mini emergency fund) & use the rest to either fund other priorities or put it towards your holiday 😊 Whatever you decide, it's your money & therefore your choice 😎 xx

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว +1

      Thank you so much - yeah I’m going to split it up a bit I’ll explain in my next vid x

    • @mariajohnson6400
      @mariajohnson6400 ปีที่แล้ว

      Dito shecanbudget ❤great video

  • @meghanhonohanacra
    @meghanhonohanacra ปีที่แล้ว

    Love your cash condensing video! I find it hard to condense and put into different accounts cuz my bank charges a fee to have that account. I also hate spending the money I saved even though that’s what it’s there for. 😊

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Ah really Meghan? Not sure where you are but loads of banks in Uk now offer pots for free x

  • @MammaBs1983
    @MammaBs1983 ปีที่แล้ว

    Great video as always. Love a good condensing. Need to do mine but it’s been a spendy spendy month 🤣. I think I’ll skip
    It till next month, might have something to count lol. Keep smashing it Iris xx

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว +1

      Haha yes skip it if you need to! Thanks so much xx

  • @elicedenning4562
    @elicedenning4562 ปีที่แล้ว

    I love watching your videos so motivating and satisfying! ❤
    When you show the amount you’ve got in the bank like the little picture in the corner, is that a app that you use or is it like your online banking?

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Hi yes it is my starling bank acc I just take a screenshot of each pot 🙂

  • @nabsdawnahmed8348
    @nabsdawnahmed8348 ปีที่แล้ว

    I would maybe leave the energy buffer till around Christmas, you never know when they will wack the prices back up again lol.
    You have done so well this month with how much you said you had been spending 👏👏

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      I’m defo going to keep some of it! Thank you so much! X

  • @totallyaddicted2mac
    @totallyaddicted2mac ปีที่แล้ว

    The energy prices will rise again in December according to Martin Lewis it will be up and down every 3 months I would keep £100 then put the rest towards your holiday x

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Oh really? I’m going to see what my bill is when they go down. Need to send a meter reading then we will see! Thank you x

  • @CatsBudgetingLife
    @CatsBudgetingLife ปีที่แล้ว

    Look at all them pretty placeholders 😍 always look forward to your videos ❤ .. ive just started up on here, feels strange hearing my own voice on a youtube video 😂👀 after 8 months of cash stuffing and just restarted your Christmas binder for Christmas 2024 😂🙈 also on round 2 of the 1k one. Grafting! 😂 .. I would keep some buffer as the prices aren't going down that much but also depends how much your paying in verses what your using. We are using around £80-£90 for both since April but pay in £165 so have a couple of hundred in the account to see us through winter extra. I think we will have a really cold winter this year 🥶 £5 really do add quickly, so looking forward to seeing how much is in your £5 challenge at the end of the year. Not sure what your doing with it but would be good towards your holiday spending money 😉 aswell as scouse girl & ira! ❤ I'm loving how much that holiday fund has built up already! Definitely going on that second trip, before the first 😂🎉 the 10k is coming on great already. X

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว +1

      Ah wonderful! Thank you so much for taking the time to comment. Defo going to keep some of the energy fund as a buffer xxx

  • @TaylahLouiseBudgets
    @TaylahLouiseBudgets ปีที่แล้ว

    I love cash condensing videos! I need to film my own and get my money safely back in the bank earning interest 😅

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Yey do it!! Love getting it out of the house x

  • @LucysBudget
    @LucysBudget ปีที่แล้ว

    Who knows on the energy bill - I'm being overly cautious for a while longer, I'm thinking lets see how this winter goes 🤔

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Yeah I’ll definitely keep a lot of it in energy / buffer x

  • @vickythetoyhoarder8725
    @vickythetoyhoarder8725 ปีที่แล้ว

    Maybe leave £50 in Energy Fund as a buffer and use the £200 to replace your Apple pen?

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว +1

      Yeah I’m going to keep some in buffer. The pencil is hanging on so I’ll keep it for a bit longer. 😂😂

  • @elainhayter9144
    @elainhayter9144 ปีที่แล้ว +1

    I've got £400 my emergency energy fund. Knowing my luck I'd move half of it elsewhere and the government will change their mind and hike up the prices again 🤦👊.... plus I refuse to be cold 🥶😂

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Hahaha you’re so right Elain! I’ll definitely keep some of it! Thank you so much! X

  • @crunchingwithcris
    @crunchingwithcris ปีที่แล้ว

    I would save some of your energy buffer as winter is coming so you may need it but you can also move it to something else you would like to use the money for 😊 like half and half 👌
    Your buffer is coming along nicely 💪
    Awesome almost £9000 🙌💗💙💗

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว +1

      I think you’re right Cris! I’ll add some of it to my overall buffer in that binder I think. Thank you so much xx

  • @piapedersen
    @piapedersen ปีที่แล้ว +1

    Didn't you have a half-filled bag of coins from last time?

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Hi that was from unstuffing Errol! It’s got 20ps in it xx

  • @charityw2023
    @charityw2023 ปีที่แล้ว

    Maybe move the energy buffer to your general buffer envelope?

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Yes this is a great idea! Maybe give it a boost and then spread some of the money elsewhere!! X

  • @ruthhargaden8929
    @ruthhargaden8929 ปีที่แล้ว

    Love these videos… 😊

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Glad you like them! They’re my fave!! X

  • @scrapplancreatewithtracey9714
    @scrapplancreatewithtracey9714 ปีที่แล้ว

    Loved this!!! Just wondering how your face is settling down?

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว +1

      It’s not bad actually! Although I find it weird not being able to frown 😂😂 I might ask him to put less there if I get it again x

    • @scrapplancreatewithtracey9714
      @scrapplancreatewithtracey9714 ปีที่แล้ว

      Glad it's settling down I have thought about it myself, I'm 51 and have one deep line between my eyes I would love plumping up lol may try that .

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      @scrapplancreatewithtracey9714 defo go for a consultation!! Might as well they’re usually free x

  • @jinx4645
    @jinx4645 ปีที่แล้ว

  • @amybeauchamp7834
    @amybeauchamp7834 ปีที่แล้ว

    I would add $200 to your $10k challenge and add the $50.00 to going out with friends. 😊

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      Ooh there’s an idea!! I’ll defo split it up I think! X

  • @traceysmyth9834
    @traceysmyth9834 ปีที่แล้ว

    Where do you get the box divider thingy that you stack your notes in please?

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว +1

      Hi Tracey it’s linked in the description xx

  • @RoseAngella
    @RoseAngella ปีที่แล้ว

    💜

  • @keeks6693
    @keeks6693 ปีที่แล้ว

    Move some of the energy to holiday fund!!!!!

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว

      I think I would love to do this 😂😂

  • @Esmebudgetz
    @Esmebudgetz ปีที่แล้ว

    What is your “Lux” envelope for hun? Xx❤

    • @irisbudgets
      @irisbudgets  ปีที่แล้ว +1

      Hi it’s just to save slowly for a luxury item - could be a bag / purse / piece of jewellery. X

    • @Esmebudgetz
      @Esmebudgetz ปีที่แล้ว

      @@irisbudgets love this idea xx

  • @paulinetaylor2812
    @paulinetaylor2812 10 หลายเดือนก่อน

    How come that there is more money in your envelopes than things for others? Just asking.

    • @irisbudgets
      @irisbudgets  10 หลายเดือนก่อน

      Hi Pauline I’m not sure what you mean, can you elaborate please?

  • @emmagrace7071
    @emmagrace7071 ปีที่แล้ว

    Yes 💪🏼🙌🙌🥰🥰