CASH ENVELOPE STUFFING | January Part 1 | debt free journey
ฝัง
- เผยแพร่เมื่อ 1 ต.ค. 2024
- It's that time of month again you guys! Time for another Cash Envelope Stuffing! This one includes a fill in of my debt tracker, and I hit an exciting milestone this month. Thank you all for you support and I hope everyone had a great New Years! ❤️
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I wanted to thank you for your videos and explaining, I have done so much these past 2 months and saved up almost $900. I feel more in control with my $$ and have a set plan to be debt free. Thank you
Janet Zamarripa you’re doing so awesome!! I’m so glad my videos help you 😊
I love seeing the debt jar being filled up! You will be debt free before you know it!!
Harrison Anchors it’s so satisfying! 😍 thank you!!
Since October you’ve paid off 1/4 of your debt! Congratulations! By Summer you’ll be halfway there 😃 I’m a high school economics teacher (I’m just 23 though 😅) and plan on sharing your channel to my students if they want to see a real person budget and keep an aesthetically pleasing journal.
Thank you so much! So exciting 😊 Wow, look at you! That's so amazing.
It is amazing how much money you were able to save up in a short amount of time!! Go you! Woohoo! ^_^
Thank you so much!!
i haven't commented on your videos or messaged you on Instagram for a while but i would just like to thank you again for these videos. They don't really help me financially because i am only 13 but your videos help me a lot more than that. I have anxiety and depression and even though it isn't that good for me to try and push it way but sometimes it is practical for me to do that and your videos always make me smile and help me to compose myself after i have seen that you have become a better and more confident person, even though i only know the things that you have out in your Instagram story and TH-cam videos but i still fell a connection and i feel proud to have watched your videos over the past 6 months. i thought that you would be grateful for some gratitude for the help you have been to me an even though the same story doesn't apply for most people i would like to also thank you on behalf of everyone else who watched, liked and commented on your videos for just being wonderful. 💙
Michael Goss how did I have no idea that you’re 13! You’re very mature for your age 😊 thank you so much for the kind words, and I’m so glad my videos help you in some way!
Alyssa Herbert thanks 😊
What a wonderful thing to let someone know. Best wishes to you!
Ugh I wish my checks were this big so I could save! I find I’m constantly putting money towards bills and necessities. 😪
I like the mason jar debt tracker- cute!
You will be debt free so soon! Yay!
Amber I can’t wait!! 😍 thanks for the encouragement!
I randomly came across one of your videos when it was recommended and I still don’t know why or how it got in my recommenced videos, but I’m so so thankful it did! I do not work that many hours and I’m a full time student yet I feel like all of my money is disappearing so I can not wait to start saving myself! Thank you so much!
I LOVE YOUR VIDEOS lol i just binged watched for 2 hours 🤷🏻♀️❤️
I love your videos! I was on a binge roll last night! I have started 2019 right thanks to your videos from last year! I'm so happy!!! Thank you ❤❤❤❤ I'll be getting the same wallet you have soon and some laminated cash envelopes from etsy soon! So excited!!!
We have a fund for Christmas /birthday fund started.
So how are you enjoying bullet journaling vs what you were doing before ?
Nichole Bradley I’m loving it! I love how easy it is to just make it exactly what I need. I can do a vertical layout one week, horizontal the next, start a week on a Wednesday if I don’t plan Monday and Tuesday, it’s just super flexible and I love it! Plus I’m not using stickers which were costing me WAY too much money.
Yay! A new video.
I love how T.J is "not listening"
Simoneell hahaha he’s the cutest 😂
So, just curious: if you're doing a no spend in January why are you still filling the spending envelope? Is it for emergencies? I'm just kind of confused over if the no spend is for saving money or just an exercise in self-control
Everyone has their own rules for a no-spend, but for mine I'm allowing myself to still spend money on "experiences". I'm just not allowing spending on things like makeup, new clothes, miscellaneous things I don't need like a new phone case, pens, house plants, literally anything 😂 But I can still pay my cover at a bar and go hang out with friends, I can pay for TJ and I to go ice skating, things like that.
@@alyssamakeseverything ah yes, I remember you explaining that now 🤦♀️ thanks for being patient and explaining again
I'm starting my own Journal book thanks to you thank you for showing me the school way to make your own planner
Do you have a video showing how you created the envelopes themselves?
Yaaaay! I love seeing your videos pop up in my sub box!
Could you do a video about your new diet/what I eat in a day? And maybe some more meal ideas for on a budget?
Jennifer Jones yes!! Those are definitely ideas I have and they’re in the works for sure 😊 I just really do need my vlogging camera back for that and it’s currently being repaired.
Alyssa Herbert yaaaay! So glad to hear they’re coming! I’m also glad that not having your camera doesn’t stop you from making these cash stuffing envelope videos though bc I love these! Can’t wait til you get it back though!!
People would be outraged if I stopped making these! 😂
I don’t understand why other ppl getting married has to cost us money 🙄 lol
applejuicyjuice right?! 😂😂 it’ll be fun though, and I’m just grateful that I don’t have to buy a plane ticket!
No one paid shit for my wedding. I don't want them to, no gifts either... I was out decision to get married... Why have people pay?
What notebook are you using???
I don’t understand. If you get a bonus, your check would be more, not less? I know the more you make the more taxes they take but if you got a bonus and brought home less money then no one would want a bonus, right? I think I’m missing something.
They paid me my regular paycheck, and then sent a bonus check in the mail. But I still have to get taxes taken out of that bonus, so they take the tax amount for the bonus out of my regular paycheck. This video doesn't show the check that appeared in the mail a few days later, but I did receive one.
Alyssa Herbert well that makes sense. Sorry, I just thought you were getting screwed by the government or something lol.
I found your channel about a month or two ago. I have really fell in love with watching your videos and budgeting myself. I feel like I have more control of my money and my spending. I am just curious on if we can ever message you with our paychecks and ask your opinion on what to do with the money. There are certain things that I need to start saving up for but I haven't integrated them into my budgeting.
Absolutely! You can email me and I'll do what I can to help 😊
What about rent/mortgage, gas and electricity, water, internet???
I live at home, which is why you don't see those things.
Did you make the envelopes for sale on Etsy?
I sell some on Etsy if you're interested! etsy.me/2Ui3ZbO
I'm probably about twice your age, and I wish I'd been this organised then. I do save, but it was never with any real focus. After watching your videos, I will do envelopes, though digitally, and curb spending. Writing everything down has been an eye-opener. Thank you.
Just subscribed! Thanks for your great videos. My husband and I are budgeting for the first time after 5 years of marriage, birth of a child, and purchase our first house this year! I don’t know how we’ve managed this far without budgeting! 😱 Your videos are very inspirational, thank you!
Hey Alyssa, i have a question. when you go to a store, let’s say target, and you buy food , home decor, and clothes. how do you actually pay for that? do you pull from all 3 envelopes?
Liz Villalobos commenting because I am curious as well
I usually put them on the counter devided as three different transactions and let the cashier know I'm doing three transactions. Usually not a problem
If I have small enough bills in my different envelopes, I'll sometimes take the money out from different envelopes. So lets say I'm buying a $10 shelf for my room, and a $25 denim jacket or something. I'll pull $10 from spending if possible, and $25 from clothes, and then just whatever I need from groceries. But I've also done the separate transactions thing too! That's what Dave recommends. People are pretty used to people having to do separate transactions for business expenses and things like that, so I wouldn't worry about being a pain or anything like that.
I've being following since last year... I saw your description and notice your city we live kinda close I live in Escondio 😊 ...
I actually did this for my first job4 years ago and went spending crazy and now I’m going back to make my spending more reasonable with these envelopes
Love your videos!
Happy New year Alyssa! your videos on cash envelopes were the first ones I started watching that got me interested in this budget system, I finally picked up the book last month and I have started budgeting for the new year. so thank you for these videos and I hope you and yours have a great and blessed 2019 xx
I am so happy I found your channel and this budget system. I don’t make a lot but I am trying to learn to save and only use the cash in my envelopes which I watched your video on!! I didn’t have a laminator but I used tape and I was fine with that! I really love watching you make these videos and your process of it, that way I can keep learning and finding a good way for me that works.
I think it would be really cool to see how much you didn’t use from last paycheck for your cash envelopes!
Id love to see a "health" video like what you eat or a sorta journal on instagram for cheap healthy eating ideas.
I'm excited to start this thanks to you! Wish me luck though😂😅
Question/statement I guess so that everyone knows. When you are paying off your car, are you making your payment and then using your snowball towards the principal? If not that would be a good thing to do. When putting it to the principal, that money goes straight to what you owe, not to the interest rates. 😃 Love what you do! Keep it up.
Yes I do! 😊 I have my loan through Honda and their online payment portal makes it SUPER easy to do that.
I feel like whenever I see these cash envelopes videos, I never see people adding Rent and Utilities or budgeting for it with their paychecks. Do people do separate processes for bills like that? Like is this weekly income after paying rent and utilities? Just curious as I’m not sure how people budget for that with these zero based budgets.
If I had rent and utilities to pay, I'd show you guys! I'm taking advantage of being able to live at home still while working and going to school, which obviously has been extremely helpful in me being able to pay off my debt so fast.
Okay so I know you don’t want everyone knowing what you make from TH-cam but where does that money go ? Like do you have a separate account or does it go towards your debt snowball? Just curious
Well a pretty large chunk of it gets set aside for taxes, and then a small portion gets set aside for savings for my channel. Then every penny of the rest goes toward my debt snowball 😊
Do you have a plan with what you're going to do when you're out of debt? Like do you have a big purchase or something you're going to save towards? I'm debt free but starting my envelope system this month and have a couple dental procedures and a vacation planned and hope to be able to be as motivated as you!
I would LOVE to go on a trip with TJ, but we'll see. I'm really REALLY motivated to get all of my ducks in a row so I can finally move out, and going on vacation would probably put me back a few months on that. But maybe we can plan something relatively affordable to celebrate, and then right back to work 😊
I am proud of your progress!! Keep up the awesome work!! 🙌🙌🙌
Do you keep your coins in a “piggy bank” and then when it’s full cash it in? I always wondered that when I watch your videos
I put all of my coins in the coin slot of my wallet, and I try to use them up but if that gets full I dump it into a jar in my room. Then once that's full I take it to Constar (I should be rolling coins at the bank, Coinstar takes so much!) and then that amount can go toward whatever I want it to. If I'm short an amount I need in my other envelopes, I can use it on that. I can pay for a date with my boyfriend, have extra grocery money, or just throw it toward my debt. Last time I turned in my coins I had about $30 and I just so happened to be about $28 short for my copay for new glasses, so I used it on that.
I know you said that you were paying off that amount for January but am confused since January is just starting? Do you go from the previous month?
Well my car payment is due on the 15th. So my last paycheck before this was 12/21, too late to go toward December's car payment, so it goes toward January. And so does the 1/04 paycheck. My next is 1/18, which again would be too late, so that will go toward February along with my 2/01 paycheck.
What do you do with all your extra money once you are debt free? So inspiring!! Just wondering the next step!
I'll be moving on to step 3, which is to complete my emergency fund. Right now I have a starter emergency fund of $1000, and baby step 3 will be to save up 3-6 months of expenses. Once I've got that all saved, I'd really like to move out and start saving for retirement, a down payment for a house, things like that! 😊
I was thinking of getting AMC A list because I've been spending quite a bit on movies.
I'd highly recommend it!
By chance, where did you get the envelopes you use to put your cash inside ?!?! Love them!!!
I made them! There's a tutorial on my channel.
Can you tell us the specifications on the new envelopes?
Question: do you include money from your TH-cam pay check?
No she mentions that she isn't comfortable sharing her TH-cam income
Thanks. Looks like a good start in 2019!
Nice video! I was wondering where did you get your binder and folders at? I want to give this a try
The envelopes I made myself, I have a tutorial here on my channel. And the binder is actually a planner! It's from Filofax, and I have it linked in the description of this video 😊
does she have a video explaining how this works?
What do you do if you have left over money in your gas envelope come the next payday?
I have a couple of options! I could leave it in my gas envelope and just not re-fill the envelope next payday, or I could take that money and use it for groceries or something like that, OR I could put it toward my debt. I don't think any of those three things are wrong at all.
Great job on paying down debt! It will be gone in no time!
I'm so excited for that day! Thank you!
What do you do with coins if you recieve it as change in any of the category?.
I put all of my coins in the coin slot of my wallet, and I try to use them up but if that gets full I dump it into a jar in my room. Then once that's full I take it to Constar (I should be rolling coins at the bank, Coinstar takes so much!) and then that amount can go toward whatever I want it to. If I'm short an amount I need in my other envelopes, I can use it on that. I can pay for a date with my boyfriend, have extra grocery money, or just throw it toward my debt. Last time I turned in my coins I had about $30 and I just so happened to be about $28 short for my copay for new glasses, so I used it on that.
For your no-spend are you still able to use your spending money? You should do a video about your no-spend!!
Yes! I can still spend on experiences (ice skating with TJ, cover for a bar or something, tickets to go see a show), but per my own rules (everyone has their own rules for a no spend and there's no right or wrong way to do it) I'm not allowing myself to buy new clothes this month, toiletries(unless I completely run out of all that I own...unused bottles of conditioner under my sink, I'm talking to you!), makeup, planner supplies, house plants, things like that! It's more to stop myself from accumulating more junk I don't need than to save money. I rarely go over my $40 allotted per paycheck for spending money, but I don't always use the $40 I have the most wisely
Alyssa Herbert oh I see! I think those are great rules and I’ll have to apply some of them to my own personal no-buy. Thank you, loved this video as always!! ☺️💕💕💕
Question, why are you stuffing your spending envelope if you are doing a no spend month? 😄 just curious!
Everyone has their own rules for a no-spend, but for mine I'm allowing myself to still spend money on "experiences". I'm just not allowing spending on things like makeup, new clothes, miscellaneous things I don't need like a new phone case, pens, house plants, literally anything 😂 But I can still pay my cover at a bar and go hang out with friends, I can pay for TJ and I to go ice skating, things like that.
@@alyssamakeseverything makes sense! I thought it was something like that. I know you said sometimes you spend it on a bit of groceries as well. So I assumed it was because of that. I did a no spend last month, and boy was that tough. I feel like everything you ever wanted just shows up when you can't buy it Lol!
Best of luck girl!
Yay! New videooo 😍😍
How did you get that 2000 debt pay off number? Your snowball was 446 so does the rest come from TH-cam??
Oh wait. 446 twice and then TH-cam?
I believe my debt snowball amount last paycheck was $491 if I remember correctly. So that plus $446, plus $356 for my regular car payment. Then anything extra either came from my bonus I got from work, or TH-cam revenue.
@@alyssamakeseverything oh ok thanks! I was just like man! How did she do that!
I’m new to the whole budgeting thing and I’ve found your videos to be my favorite of the people i have watched so far, thank you for your videos! 😍
Briana Jung thank you so much!! 😍
Alyssa Herbert of course!! 🖤🖤🖤
What do you do with your change? Coins?
I put all of my coins in the coin slot of my wallet, and I try to use them up but if that gets full I dump it into a jar in my room. Then once that's full I take it to Constar (I should be rolling coins at the bank, Coinstar takes so much!) and then that amount can go toward whatever I want it to. If I'm short an amount I need in my other envelopes, I can use it on that. I can pay for a date with my boyfriend, have extra grocery money, or just throw it toward my debt. Last time I turned in my coins I had about $30 and I just so happened to be about $28 short for my copay for new glasses, so I used it on that.
TJ’s side comments 😂😂 you two are adorable
Guadalupe Leon hahaha thank you! 😍
Does anyone in your family or TJ do cash envelopes?
Joan Stump my dad likes to do cash envelopes while on vacation, and my mom has envelopes for certain “funds” for things she wants to buy, but no one does envelopes for spending, gas, groceries, things like that. My best friend has expressed interest but so far no one has actually done it!
I would love to start doing this considering I just bought a new car, my insurance has gone up and I also just bought a new phone! Does anyone have any suggestions on where I can get a bullet journal that’ll hold up for the whole year? :)
Madison Mayfield hobby lobby or any craft store
Amazon, Walmart
Nicole Yefimchuk I’m actually going to hobby lobby right now so that’s perfect!
How do you make your envelopes?
There's a tutorial on my channel 😊
Hello Alyssa :)
What kind of job do you have if I may ask.
I work for an insurance company
2 seconds in to the video and I see WEDDING?!?!?! What!!!
Darn nevermind 😭😭😭
Hahaha sorry to get your hopes up!
How sad to just see men on the dollar bills🤷♀️