I love paperless. I get text notifications, not emails. I log into my account ( it takes less than 1 minute) pull up my bill and screenshot each page. If it is as usual I will delete the screenshot right after I put it in my budget calendar. If I feel I need to, I will save it to compare to the next months. Thank you for the video!
Thank you so much for this video. I grew up extremely poor, so I've always been afraid to spend money. I've never really had the problem of overspending, but I HAVE had the problem of refusing to buy necessities like clothes, skipping meals, etc. It's embarrassing to go to work with stained, patched up clothes and holes in my shoes, but the (almost irrational) thought of being on the streets is worse than the embarrassment of 'looking poor'. Following this guide has made me realize that I have more wiggle room to spend on these necessities than I thought. Thank you so much. 💝
Hello and first I want to say thank you for sharing your story with all of us. I can see what you mean about how the way you grew up has steered you into the direction of being afraid to spend. I am so glad to hear that running your own numbers has shown you that you are able to let go a little and still be okay. What a great feeling that must have been. I hope to see you here on YT more often. Would love to hear how things are going for you. 💛🐝
I am 57 years old and a financial disaster I am committed to learning how to budget I never have, my parents never did. My husband wants to retire in two years I want to create a new relationship with money. Hopefully teach my granddaughter about budgeting. She's 13 so she thinks I have a never ending bank account. This will be great. I'm excited and very motivated
Wow you're daughter is lucky bc when I was 13, I was fully aware of how poor my parents were and they did not educate me on finances. She will definitely be so happy when she's 18 and she realizes you taught her something not every child learns from their parents.
I am about to get myself and my 14yr old son on board as well. I was never thought these things and have been struggling over the years. Now 41 and I don't want to continue like this. I don't want my children to not know how to manage money properly. We are doing this!
We just use a tablet writing paper, we put our paycheck amount on the 1st of month (payday) and the 15th... then subtract bills and then adjust from there. We've listed our bill by priority and due date in column of which payday it comes out of, then put any extra towards debt (the most possible), emergency savings (oil change, brakes and rotors, car repairs) a job loss, and a portion to savings. We also write on bottom the gotchas that we didn't figure in, car registration, bdays ect... then figure out. We've gotten creative for thoughtful gifts, it's not the gift but the manner that it is given. An within a small budget saved a little at a time. We can't spend more than we make... so... yes, either make more or spend less... We see where we're at in this moment in time, make a plan for where we're at and where we're going and reassess as needed. Once setup, it's an eye opener but easy and works for us...
Love this help but 10/10 recommend getting reusable bags, I have some cute (some plain) reusable bags that I use every time I go to the store and that saves so much plastic, man. I also watch what I buy and it's packaging bc if I can get 1 small bag of popcorn kernels to pop myself, I choose that over the 5 pack plastic wrapped microwaveable bags. So simple but feels so much better, just bc the plastic issue can't be solved overnight doesn't justify going directly with that toxic, lazy flow. Thank you for your help ❤
Loved this. Thank you. Do you have a video explaining the month ahead in depth and how it works from start to finish? I get the concept of getting 1 month of bills saved, but not sure how it gets used and you stay ahead...or is it just like an emergency savings type thing...I'm sure it's simple to understand, but for some reason just can't quite figure it out. Sorry if it's already been explained and I missed it! Thanks again for these videos, they are so helpful.
So well done..and....totally agree with you about not going paperless for bills. I have to see them and touch them. I totally AGREE it is to save them money....especially if you have a question it is so hard to try and talk to a person to get something resolved.
Honestly. Paperless works for me. I lose paper. Sometimes it does not even get brought in. It certainly was NOT being opened and looked at. Being able to find it in my email and then adjust my bill-pay to pay it works alongside a calendar of when bills are due. And when I go to pay it, I would see it was way more expensive than budgetted and I'd go and look at the details at that point. The bills I have problems with to this day are things like Toll bills and medical that are NOT part of my process but I get a paper bill I need to keep track of. Even at tax time I appreciate how many places I can go and print out the tax forms instead of catching them in the mail.
Yes- those are all good points, too. We all definitely “see” things differently and have to do what’s best for how we see. I am glad you shared how you do it for those that just can’t do the paper way. 🙌
what if you get paid every Wednesday and have bills that fall before or after then? I definitely want to try the whole dividing everything by 4 and such I'm just trying to figure out a plan that'll work with doing that!
that’s a great question! I use the “spending last month’s pay” idea to manage it personally - so I got to a place where I had saved approximately one month’s pay, and then in every following month, I was essentially using the previous month’s income to pay my bills, which meant I already had the money to pay regardless of when my bills fell in relation to my paydays.
Oh my gosh! I can't believe your daughter pays $250 every 5 weeks. I feel so bad for her and anyone who has to pay those astronomical prices to get their hair done. There's no way I would pay that. I pay $45 every 5 weeks and that includes getting my hair colored and cut. And I have very thick, very long (down to the middle of my back) hair. I'm SOOOOOO glad I live in the middle of nowhere in Wisconsin. Lol.
Yes! Some of these places are getting crazy. My girl is very reasonable- she’s the first one I’ve found in a long time that is and I’m sticking with her! My daughter’s salon has been steadily raising prices for the past 2 years. 🤔
I have long thick hair, and to color cut and style mine is around $300-400. I haven’t gotten mine done in a year because I’ve realized it’s too much lol. Going to let my natural color grow out until I find somewhere that can do my hair.. I used to go to Tony and guy- that’s why the price 🤦🏽♀️ lol
Jen, this is GOLD. I am sharing this with everyone I know! You are helping so many people and I want your channel to EXPLODE! Thank you dear! Have a FANTASTIC week!
Soooo nice you added freebies to help new budgeters ! One of the concerns I had when I started was the actual start up costs .. nice envelopes nice wallets and what forms did I need ❤any thing that encourages people to manage their monies ❤Glenda
Yay! I’ve got bill increases coming early in 2024 but haven’t heard about any raises coming from work so this will help.❤ How would you do this if you don’t have enough to pay bills that are due this pay period plus try to save up half or a quarter for next month?
Hey Lena! 💛 I have a couple videos linked for anyone that needs ideas on how to get back on track. The only ways I know are to raise income and cut expenses. Not everyone can work more - so I really recommend selling items. It has gotten me out of so many jams. I go through my entire house, take pics and start posting on FB! Here is the video on selling items: th-cam.com/video/9HoveXyE2D8/w-d-xo.htmlsi=LnSZQiz4mDUXJU9E Saving is HARDER than ever. 💛
Not sure if I agree about paperless billing. You can be charged a couple of $2.00 per account for a paper bill. I would rather not pay this. Learn to look at your bills carefully instead.
I hear you. I mention this is video because a lot of people get e-bill and they just aren’t clicking and looking. Then the bill is late and they have a late fee. That late fee is usually higher than the couple bucks you save by going paperless. It’s a suggestion for a group- not a whole. Every situation and person is different. We need knowledge and ideas to adjust. 💛
Now I have more knowledge about personal finance, thanks to your channel, I just subscribed.Big ups to everyone working effortlessly trying to earn a living while building wealth in this recession. I’m 45 and my husband is 51, we are both retired, no debts. We are currently living a frugal and financially savvy lifestyle and generating passive income even during this recessionary period. Our commitment to saving and investing in the financial market has enabled us to maintain this lifestyle and continue earning monthly passively through investment.Traveling is now on our horizon, thanks to our financial choices,,
I started getting into budgeting last year and lost track of it due to many moves and life changes and I’m finally ready to get back into it. Thank you so much for putting this in terms I can follow and understand. I even used the cash envelope system before, too, and plan on doing it again since I did so well with it before. Thank you again! I can’t wait to get on top of things again
This is great news! Don’t stop budgeting ! When things go wrong, that’s when you really lean into it. I have another budgeting video scheduled for today at noon EST that may be helpful for you! 💛
My paperless bills on one is to reduce the bill, and the others I have text and email. That works for me because I use my texts and an email folder to fill in my planner with the info sent there and photos for papers I don't want to miss. It means I don't lose the cards/statements and can update my planner without needing that physical folder.
After my dad passed in 2019 I switched back to paper billing on everything. It was a nightmare trying to find out what bills I had to pay on his estate because he had gone paperless and I didn’t have access to his computer or emails. So until companies were trying to go into collections I did now about the bill. I still pay the bills online through my bank, but I want the paper bill so I know what is due and when.
I tried paperless for a very short time- just a little old school over here- but it works! 😅 I’m sorry to hear of your dad’s passing- we lost our dad in 2020, it’s still very fresh. 😢
I am so glad I subscribed to your videos!! I'm learning so much, and thank you so much for the free printable, especially for myself, that is on a budget.
I just randomly came across your channel and I am grateful! I need to REEL IT IN! I have cash stuffed before kinda sorta, but need to get serious. Saw one of your cash stuffing videos and then found this one. I know how to budget, I just overthink it all, and this made it Ssooooo easy and I thank you! Grabbed an old binder, some of your free printable and rode out the storm here last night putting everything together. I DID break a no spend day and bought a binder for cash stuffing. When I did the budget, I found out I can easily meet an urgent goal by mid February literally just by sticking to that budget. I had been stressing about it. Subscribed now for sure, and the challenges look fun so I'm going to make sure to get there soon!
Thank you so much for your comment. I think we do tend to overthink everything, right? Anytime Jason and I have to make a decision, we jokingly say, “Let’s overthink about it.” 🤣 I’m so glad that you enjoy the content and find it helpful- that’s awesome to hear. I still haven’t completely figured out my budget binder setup - things are so different now. My last binder revolved around paying off debt but that’s changed so now I have to readjust. And overthink about it! 🤣🤣🤣
I'll have to look for one of your videos on paying off debt. I'm a visual learner. I have Ramsay's book but I spend all day reading reports and sometimes I can't make myself read more that's not entertainment (to destress). And I need to stop over thinking, lol
I couldn’t help it - I sent a friend so many links to your videos and free printouts. I am hoping that not just I can get out of debt in 2024 and develop better spending - but that those I care for do as well. I’ll be annoying in 2024 😂
I love this! I do have a question. I understand budgeting, however, I can't wrap my brain around my situation with budgeting. I get paid monthly and it is a fixed income (Salary). My husband gets paid every two weeks and is variable (hourly with shut downs if there isn't enough work). How would you suggest planning for that? I really want to get a handle on budgeting in 2024. We have been married 20 years and I feel like we have never had a year when we weren't "just making it" (sorry for such a long question)
Hi there! This is a great question- I actually have a 3 part series on setting up a budget. I go much further into detail about variable income and other things. The videos aren’t super entertaining but they do contain good info. Here is part 1 and the other two will be at the end for you to click and keep watching. I hope these help you. th-cam.com/video/RMTzY-1AbuY/w-d-xo.htmlsi=d10JeSegy-hAhv_n
Money orders offer a tangible way to manage and allocate funds. This method not only streamlines budgeting but also adds an extra layer of security by limiting transactions. It's a useful tip for those looking to enhance their financial control and awareness.
If you are going to cash stuff your bills - make sure you are extremely organized with it. Have a calendar with all of the due dates written down so you can be sure to have the cash in your account and paid on time. I don’t stuff my monthly bills- I only cash stuff my variable expenses and things I am saving longer term for. If you are not living paycheck to paycheck or anything like that- you should be fine but still be super organized. Honestly- I suggest to new cash stuffers to start with just a few envelopes where they would like to see themselves sticking to a budget. Things like groceries, online shopping, or eating out. It really depends on what types of bills you have. Just don’t get overwhelmed- once you get the hang of it, it gets easier. I started with one binder and had probably 8 envelopes. You can ask anything else you can think of - and I’ll try to help. 💛
Me, too! I’m getting things figured out. I want to go over it with Jason and make sure we are on the same page. Money orders were the best, right!? Kept me out of a lot of trouble when I was younger. I was a waitress so I always had cash on hand. I would go get my money orders OR I would pay a lot of things in person, too!
@@2SisterBees I remember some of my bill companies wanting a cashier's check or money order, not a personal check, like for rent. I kind of miss the old days. Now, I work for a Credit Union so our mortgage, car loan, and credit card is through them. I just transfer my payments.
Thank you so much for this. I can’t wait to print out the free form and get started. I’ve never had to watch my money but after being a single mom making too much for any assistance but not enough to stay above water, this is so helpful. ❤
I was in this same situation for years. It is really hard to be in that position. I had to know in my heart that I could do it. I could do it myself. I had to push myself most days- but it was worth it. I fixed my awful credit, I purchased a more dependable car, I finally was able to buy my own home. The feeling of accomplishment that came with that is something I will carry with me for the rest of my life. I showed myself what I am capable of. I’m so glad you decided to start your budgeting journey. We are here for you- to keep motivating you through it all. 💛
I get the sentiment, but not sure we should be promoting paper copies if we’re also looking to reduce environmental impact. Are there other methods that keep the focus, but keep things digital?
My POV is that there are a million other ways we can reduce waste. If someone is struggling to keep up with bills and paying on time and/or need a more visual way to get back on track- staying with paper billing is a good option. I think it’s a good temporary solution to reset your mind- then once things are streamlined again, go back to paperless. It’s just one suggestion of many that could potentially help some of my viewers. Not all of them work for everyone- I do my best! 💛
I keep a running list in the notes section of my phone. I put ALL bills in order of their due dates. I don’t do categories. I just list all bills by their due dates and how much is due. Once I pay a bill I type paid under that bill. I have never understood the need for categories. They are all bills regardless how they would be categorized and they all need to get paid by the end of the month. I don’t stress and all my bills get paid on time. I have some paperless bills and I know when they will be coming out so when they do come out I subtract. Nothing hard about it. Everyone budgets different and everyone should do what works for them. I do like to watch and see how other people budget.
I go between paying some bills in cash, but others directly from a card. HOWEVER I just started getting a budget binder, and using a calander to mark off when all bills are due, and which Friday's check pays for which bills.
I didn’t get mine from Amazon but I found it! www.amazon.com/Calculators-Benkaim-Calculator-Standard-Business/dp/B0BP1N8ZKX/ref=mp_s_a_1_43_sspa?crid=1QUZLBWB9W0IW&keywords=calculator+big+buttons&qid=1702772956&sprefix=calculator+big+%2Caps%2C219&sr=8-43-spons&sp_csd=d2lkZ2V0TmFtZT1zcF9waG9uZV9zZWFyY2hfYXRmX25leHQ&psc=1
It was crazy! There was a leak outside - I showed it on one of my cash stuffing videos. It’s like some underground valve outside. Just full of water and letting it flow! 😭
It was crazy! There was a leak outside - I showed it on one of my cash stuffing videos. It’s like some underground valve outside. Just full of water and letting it flow! 😭
The part about averaging your groceries per month was easy to understand until I saw you put $600 on your monthly grocery expenses. I would've assumed that your average grocery expense would be $200 since you went 6x in three months, $100 each trip. 2x a month= $200. This is the only part that tripped me up. (as I was calculating my own grocery expense for my own understanding)
I think I was showing an example to just show someone who doesn’t know how to average numbers. I haven’t watched that video in so long so I’m not sure … but in the end, for you to do your budget with varied numbers - Just average out a months worth of your latest spending - it won’t be perfect but you’ll be pretty close! 💛
I wanna do this so bad. I'm stuck though. I don't have any credit cards and only 1 bank account that all my payments come out of. How do I start stuffing? Someone please guide me with suggestions. Thank you
Okay- so watch my next video posted tomorrow - I also have all my bills come out of my checking. My cash stuffing is the REST of my spending. Bills aren’t what get us- it’s our everyday spending. Tomorrow’s video might help you get some ideas. 💛💛💛
I just subbed wow I’ve been doing it wrong the whole time thank you for the freebies and thanks for breaking it down like this I understand it so much more
Great information! My water bill is due every 3 months how should I plan for that and what category do you suggest I place that in? Thank you so much for your help! I'm so happy I came across your channel 😊
Setup a utility sinking fund and average what the last three pass bills were and take the average and divide by three and and save in an account or envelope so you have it to pay in three months. Works like a charm!
We pay $500 towards utilities every month. In January We paid $325 to the bill and put $175 into savings to use in the summer. Our bills last year got over $600 in the summer months and it helps offset by just paying the same amount every month.
I’m brand new to the hive 🐝 and I’m soooo excited to be here!! I’m 49 and in a few months I will be 50 😬 Thankfully my husband is so good with money because I have always struggled. It’s like money slips through my fingers. I’m determined to turn that around and impress my husband & myself that I can do this. Thank you for sharing all this great information. I’ve been binge watching your videos 😅 I’m going to purchase your budget binder basics to get started. I’m not sure if you have done a video on credit cards and cash back using them? I know using credit cards are a taboo in these financial communities but would love to hear you and your sisters thoughts on them. I’m nervous about carrying cash, especially such large amounts (maybe I just need to get over that). Thanks again!!! Cannot wait to learn from you all!
I’m glad you like the video- It’s funny you ask about the entrepreneur tips- I come from a family of them. 💛 We just find something we enjoy, work hard and MAKE it happen. My dad never let anything get in his way and I watched him my whole life. Never bothered. Never took failing as an option. Just go, do and be! 💛
This is so cool! I had made a plan to work on my budget every week so it's perfect that you do this weekly!!! I'll do it with you!! Subscribed! Okay, I've following along and wrote it all down but I don't get it. How do I pay all my bills using cash? Do I get money orders for ALL my bills? Then I'm spending a lot on money orders, right? I'm really excited to do this because I think it will help me get control of my spending and pay off my debt; but, I am worried it's not going to work with how to deal with this cash.
Great video - thank you! I would love to not use paperless. Not sure about the US but in Australia they charge you an extra fee unless you use paperless. So it is a toss up between paying a fee (which makes me cross!) and having the paper bill in my hand that I want.
so, I have a question. my husband gets paid 1 to 2x's a yr. , do you have any suggestions on how I can figure out a budget? It's been nearly impossible but I'm determined to not give up :/ :)
Hi Jen. I am brand new here and your posts are so ultra helpful. I do have a question. Every pay period I tithe 10% of my income which is hundreds of dollars per month. Do you tithe and have this covered in a different video or do you not have that as part of your budget please? Thank you so much!!
Welcome to The Hive! It is actually part of mine, as well. Here is a video I just posted that should be very helpful for you. I go over step by step budget and I include the sheets I am using as a free download for you. th-cam.com/video/dBRvWNfHLxw/w-d-xo.htmlsi=oNYzwnxDUyjEVtdU
Hi Ms. Ashley! I have in the past when I first started because I had a habit of spending if I saw the numbers in the bank. Keeping it out changed how I save. I now have a working plan, a working budget and my mindset on money is different, as a whole. I now have in HYS, short term savings, emergency account, IRA and invested. Something as simple as cash stuffing and writing a budget has changed our lives in a matter of 3 years.
ok so paperless isn't as bad as you think you can print those bills when you get them over email for you records you can also print the confirmation emails so you have proof it was paid not going paperless can cause you to not have this proof via confirmation emails.
Awesome video very well put great way to make everything come together instead of having chaos every month trying to figure out where the money came in or where the money went to I agree about agree with you in regards to the bank I use one that gives you three accounts as well one is credit builder that will increase your credit score automatically by paying your bills with it 2 the checking account and the next one is savings account and they also cover you in the middle of the month if you run out of money they cover you and they don't charge you extra fees at the the next pay cycle week or the month when you get your income again
am i just stupid I dont know how to download the free printables, I keep going to a google doc, but I don't know which on it is, and then they are all just not doing anything????
You are not stupid - once you click on one of them, it will be big on your screen. Look for the download button - it’s a square with an arrow pointing down on it. It should be on the upper right side. Click that and that will download to your computer. Go to your downloads in your computer, you should see it and now you can print it. I hope that helps. If not, you could go to Staples or your library and they will show you in person how to do it. 💛💛💛
yes to the no spend challenge,, I struggle with the order alot bc it's not working for my brain to get stuff out of? but the challenge could be a fun thiing!
Grocery prices are likely to vary depending on where you’re located. I shop for only a 2 person household and my monthly grocery budget is ~$400, but actual spending is often below that and leaves some room for treats as our situation allows for that. My budget and approach allows for meals that make leftovers that often are taken for lunch the next day and sometimes stretch to a 2nd dinner
Thanks for your content , so very informative. I’ve only recently began watching . When you say 10% for car (payment ) .. if I don’t have that expense would the 10% be registrations , car maintenance , etc ?
I would think that is up to you but it isn’t a bad idea. Car repairs, insurance and even gas are so expensive now. If you do the math, those things might come close to that 10%! I am not a financial advisor so I don’t want to say that’s what you absolutely should do- run your numbers and see what you think. Thank you for watching and I’m glad to have you here! 💛
Yes- that is true. There’s a lot of variables with this. My water company and my electric both charge fees for paying online as a processing charge, I guess. Just need to be aware of which ones charge under which circumstances. Also, that piece of advice was meant for those who struggle to pay bills on time. If that’s the case, bouncing an auto pay is WAY more expensive than the paper fee. It’s a balance but I think sometimes the “new” way is all that a lot of younger people know. Sometimes doing things the “old school” way can be more beneficial. Just throwing out options for you guys. 💛
I just randomly came across your channel and I am grateful! I need to REEL IT IN! I have cash stuffed before kinda sorta, but need to get serious. Saw one of your cash stuffing videos and then found this one. I know how to budget, I just overthink it all, and this made it Ssooooo easy and I thank you! Grabbed an old binder, some of your free printable and rode out the storm here last night putting everything together. I DID break a no spend day and bought a binder for cash stuffing. When I did the budget, I found out I can easily meet an urgent goal by mid February literally just by sticking to that budget. I had been stressing about it. Subscribed now for sure, and the challenges look fun so I'm going to make sure to get there soon!
I’m so glad you found 2SB! 💛 I was the same way- I knew about budgeting and I was doing it for years when I was a single mom. But lifestyle creep got real once Jason and I got married. We just kept spending more and more. 😅 We had to reel it in, too! Things are so different now. We’ve made so many changes and we actually like it this way much better! Less stress! You’ll do it, too! You already have the drive- just keep going, Sis! 🤍
Hello Jen - question.....I budget on 40 hour weeks and do not count any of my overtime in my budget....it is like extra money....is this a good thing to do????? Give me your thoughts please.
I don’t know how that couldn’t be a GREAT thing! You are living below your means and that’s the BEST thing any of us can do. I follow Dave Ramsey’s baby steps linked here : www.ramseysolutions.com/dave-ramsey-7-baby-steps?gad_source=1&gclid=CjwKCAiA-bmsBhAGEiwAoaQNmsNWWBElzHg41fU927J_UqRlgYm1Q4XCbzRTMvN3cx77bpQNPs6-yRoCGvcQAvD_BwE Just incase you are wondering what you should do with any extra savings. It’s helped me stay focused. 💛
We work remotely so our gas is VERY low. The budget video is a template to show others how to plug in their own bills/ numbers. No one has the same income or expenses. When you make your own budget, you are taking your income and then deducting your expenses by prioritizing what has to be paid first. Then go in order and see what you have left. If you have $ left, begin saving. If you are in the negative, you will need to cut expenses and/ or make more income. I hope that helps - 💛
I like paperless billing, However, here and there, I get a couple of dollars discount from different companies when I use paperless billing. a buck saved is a buck saved. hehe
It does cost a few extra dollars yes- but the point I was making is for those who go paperless and then don’t actually check their bills. Then that $ comes out and it could potentially cause a bigger issue with insufficient funds or cutting them very short. That piece of advice isn’t meant for every single person- as no advice fits everybody. Thanks for your comment ! 😊
This is a conversation I had once with someone I consider to be my 2nd Mom. She couldn’t believe I spent $100 on a pair of jeans. I came back with- I would never spend the amounts she does at casinos. We all have different priorities. 💛
@@2SisterBees 😝😝as we get older (I am 71), we get extra frugal. When people are younger they don’t know the time value of money., and how returns grow. Fortunately all 3 of our kids (in their 40s) all make over $200k each and all have over $500k in their IRAs, and all have over $300K in home equity. Starting young is the key. You have a nice channel, keep it up.
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Inflation is crazy, meal planning is required ❤️
It really is… 2 meals out can be a week of groceries! It’s crazy out there! 😅
I love paperless. I get text notifications, not emails. I log into my account ( it takes less than 1 minute) pull up my bill and screenshot each page. If it is as usual I will delete the screenshot right after I put it in my budget calendar. If I feel I need to, I will save it to compare to the next months. Thank you for the video!
Thank you so much for this video. I grew up extremely poor, so I've always been afraid to spend money. I've never really had the problem of overspending, but I HAVE had the problem of refusing to buy necessities like clothes, skipping meals, etc. It's embarrassing to go to work with stained, patched up clothes and holes in my shoes, but the (almost irrational) thought of being on the streets is worse than the embarrassment of 'looking poor'. Following this guide has made me realize that I have more wiggle room to spend on these necessities than I thought. Thank you so much. 💝
Hello and first I want to say thank you for sharing your story with all of us.
I can see what you mean about how the way you grew up has steered you into the direction of being afraid to spend.
I am so glad to hear that running your own numbers has shown you that you are able to let go a little and still be okay. What a great feeling that must have been.
I hope to see you here on YT more often. Would love to hear how things are going for you. 💛🐝
@@midnandlinkforever and you lived to tell about it. 👏👏👏👏
I am 57 years old and a financial disaster I am committed to learning how to budget I never have, my parents never did. My husband wants to retire in two years I want to create a new relationship with money. Hopefully teach my granddaughter about budgeting. She's 13 so she thinks I have a never ending bank account. This will be great. I'm excited and very motivated
I love hearing this. It’s never too late to get finances on track. You’ll feel so much better. 💛
Stick with us!
Wow you're daughter is lucky bc when I was 13, I was fully aware of how poor my parents were and they did not educate me on finances. She will definitely be so happy when she's 18 and she realizes you taught her something not every child learns from their parents.
I am about to get myself and my 14yr old son on board as well. I was never thought these things and have been struggling over the years. Now 41 and I don't want to continue like this. I don't want my children to not know how to manage money properly. We are doing this!
I'm early 60's and need to start a budget since COvid and inflation has ruined me financially.
good for you for taking the Step to better yourself and make a positive change in your life.
Beginner is wild. I almost had a panic attack watching this 😭
We just use a tablet writing paper, we put our paycheck amount on the 1st of month (payday) and the 15th... then subtract bills and then adjust from there.
We've listed our bill by priority and due date in column of which payday it comes out of, then put any extra towards debt (the most possible), emergency savings (oil change, brakes and rotors, car repairs) a job loss, and a portion to savings.
We also write on bottom the gotchas that we didn't figure in, car registration, bdays ect... then figure out. We've gotten creative for thoughtful gifts, it's not the gift but the manner that it is given. An within a small budget saved a little at a time.
We can't spend more than we make... so... yes, either make more or spend less...
We see where we're at in this moment in time, make a plan for where we're at and where we're going and reassess as needed.
Once setup, it's an eye opener but easy and works for us...
Love this help but 10/10 recommend getting reusable bags, I have some cute (some plain) reusable bags that I use every time I go to the store and that saves so much plastic, man. I also watch what I buy and it's packaging bc if I can get 1 small bag of popcorn kernels to pop myself, I choose that over the 5 pack plastic wrapped microwaveable bags. So simple but feels so much better, just bc the plastic issue can't be solved overnight doesn't justify going directly with that toxic, lazy flow. Thank you for your help ❤
Loved this. Thank you. Do you have a video explaining the month ahead in depth and how it works from start to finish? I get the concept of getting 1 month of bills saved, but not sure how it gets used and you stay ahead...or is it just like an emergency savings type thing...I'm sure it's simple to understand, but for some reason just can't quite figure it out. Sorry if it's already been explained and I missed it! Thanks again for these videos, they are so helpful.
I don’t BUT I will have to make one now! I’m sure you aren’t alone in wondering how this works! Great question! 🙌💛
I would like to figure this out as well 😊
@@2SisterBeesYes!!! Please I would like to learn as well ❤
@@2SisterBeesI would like to know how to break the expenses down to be saved per check when you don’t normally do it.
So well done..and....totally agree with you about not going paperless for bills. I have to see them and touch them. I totally AGREE it is to save them money....especially if you have a question it is so hard to try and talk to a person to get something resolved.
Yes, ma’am! They try to always have a reason we should xyz…. But who is it REALLY for??
We’re on to them, Judith! 🤣💛🙌
Honestly. Paperless works for me. I lose paper. Sometimes it does not even get brought in. It certainly was NOT being opened and looked at. Being able to find it in my email and then adjust my bill-pay to pay it works alongside a calendar of when bills are due. And when I go to pay it, I would see it was way more expensive than budgetted and I'd go and look at the details at that point. The bills I have problems with to this day are things like Toll bills and medical that are NOT part of my process but I get a paper bill I need to keep track of. Even at tax time I appreciate how many places I can go and print out the tax forms instead of catching them in the mail.
Yes- those are all good points, too. We all definitely “see” things differently and have to do what’s best for how we see. I am glad you shared how you do it for those that just can’t do the paper way. 🙌
what if you get paid every Wednesday and have bills that fall before or after then? I definitely want to try the whole dividing everything by 4 and such I'm just trying to figure out a plan that'll work with doing that!
that’s a great question! I use the “spending last month’s pay” idea to manage it personally - so I got to a place where I had saved approximately one month’s pay, and then in every following month, I was essentially using the previous month’s income to pay my bills, which meant I already had the money to pay regardless of when my bills fell in relation to my paydays.
Oh my gosh! I can't believe your daughter pays $250 every 5 weeks. I feel so bad for her and anyone who has to pay those astronomical prices to get their hair done. There's no way I would pay that. I pay $45 every 5 weeks and that includes getting my hair colored and cut. And I have very thick, very long (down to the middle of my back) hair. I'm SOOOOOO glad I live in the middle of nowhere in Wisconsin. Lol.
Yes! Some of these places are getting crazy. My girl is very reasonable- she’s the first one I’ve found in a long time that is and I’m sticking with her!
My daughter’s salon has been steadily raising prices for the past 2 years. 🤔
Ridiculous
I have long thick hair, and to color cut and style mine is around $300-400. I haven’t gotten mine done in a year because I’ve realized it’s too much lol. Going to let my natural color grow out until I find somewhere that can do my hair.. I used to go to Tony and guy- that’s why the price 🤦🏽♀️ lol
I love my lady. Have had her over 10 yrs now. Pay $75.00 color cut and style. Thar includes tip.
Wow, I pay $20 with tip included to trim/cut my hair every year. The advantage of long straight hair that I put up to keep it out of the way.
Jen, this is GOLD. I am sharing this with everyone I know! You are helping so many people and I want your channel to EXPLODE! Thank you dear! Have a FANTASTIC week!
Thank you so much!! I really appreciate that !! 😍💛💛💛😍
Excellent information and presented so clearly and easy to understand. Thank you also for the printables!💕
Awesome! I’m so glad you liked it! 💛
Soooo nice you added freebies to help new budgeters ! One of the concerns I had when I started was the actual start up costs .. nice envelopes nice wallets and what forms did I need ❤any thing that encourages people to manage their monies ❤Glenda
❤❤ I was just thinking about that, how this would be a great video to submit for a job on how concise and well spoken she is.
The video was easy to understand and to follow. Thank you.
hi thank you the infornation is great but my question is how do I get a month ahead and pay my current bills? thank you
Yay! I’ve got bill increases coming early in 2024 but haven’t heard about any raises coming from work so this will help.❤ How would you do this if you don’t have enough to pay bills that are due this pay period plus try to save up half or a quarter for next month?
Hey Lena! 💛 I have a couple videos linked for anyone that needs ideas on how to get back on track.
The only ways I know are to raise income and cut expenses. Not everyone can work more - so I really recommend selling items. It has gotten me out of so many jams. I go through my entire house, take pics and start posting on FB!
Here is the video on selling items:
th-cam.com/video/9HoveXyE2D8/w-d-xo.htmlsi=LnSZQiz4mDUXJU9E
Saving is HARDER than ever.
💛
Not sure if I agree about paperless billing. You can be charged a couple of $2.00 per account for a paper bill. I would rather not pay this. Learn to look at your bills carefully instead.
I hear you. I mention this is video because a lot of people get e-bill and they just aren’t clicking and looking. Then the bill is late and they have a late fee. That late fee is usually higher than the couple bucks you save by going paperless. It’s a suggestion for a group- not a whole. Every situation and person is different. We need knowledge and ideas to adjust. 💛
Now I have more knowledge about personal finance, thanks to your channel, I just subscribed.Big ups to everyone working effortlessly trying to earn a living while building wealth in this recession. I’m 45 and my husband is 51, we are both retired, no debts. We are currently living a frugal and financially savvy lifestyle and generating passive income even during this recessionary period. Our commitment to saving and investing in the financial market has enabled us to maintain this lifestyle and continue earning monthly passively through investment.Traveling is now on our horizon, thanks to our financial choices,,
I started getting into budgeting last year and lost track of it due to many moves and life changes and I’m finally ready to get back into it. Thank you so much for putting this in terms I can follow and understand. I even used the cash envelope system before, too, and plan on doing it again since I did so well with it before. Thank you again! I can’t wait to get on top of things again
This is great news! Don’t stop budgeting ! When things go wrong, that’s when you really lean into it.
I have another budgeting video scheduled for today at noon EST that may be helpful for you! 💛
Just to say, I'm 1:35 in and you've already got my attention and I'm feeling motivated :)
Sending this out to family members now. Thanks for the video😊
My paperless bills on one is to reduce the bill, and the others I have text and email. That works for me because I use my texts and an email folder to fill in my planner with the info sent there and photos for papers I don't want to miss. It means I don't lose the cards/statements and can update my planner without needing that physical folder.
After my dad passed in 2019 I switched back to paper billing on everything. It was a nightmare trying to find out what bills I had to pay on his estate because he had gone paperless and I didn’t have access to his computer or emails. So until companies were trying to go into collections I did now about the bill. I still pay the bills online through my bank, but I want the paper bill so I know what is due and when.
I tried paperless for a very short time- just a little old school over here- but it works! 😅
I’m sorry to hear of your dad’s passing- we lost our dad in 2020, it’s still very fresh. 😢
I am so glad I subscribed to your videos!! I'm learning so much, and thank you so much for the free printable, especially for myself, that is on a budget.
Awesome! So glad to have you! 💛
I just randomly came across your channel and I am grateful! I need to REEL IT IN! I have cash stuffed before kinda sorta, but need to get serious. Saw one of your cash stuffing videos and then found this one. I know how to budget, I just overthink it all, and this made it Ssooooo easy and I thank you! Grabbed an old binder, some of your free printable and rode out the storm here last night putting everything together. I DID break a no spend day and bought a binder for cash stuffing. When I did the budget, I found out I can easily meet an urgent goal by mid February literally just by sticking to that budget. I had been stressing about it. Subscribed now for sure, and the challenges look fun so I'm going to make sure to get there soon!
Thank you so much for your comment. I think we do tend to overthink everything, right? Anytime Jason and I have to make a decision, we jokingly say, “Let’s overthink about it.” 🤣
I’m so glad that you enjoy the content and find it helpful- that’s awesome to hear.
I still haven’t completely figured out my budget binder setup - things are so different now. My last binder revolved around paying off debt but that’s changed so now I have to readjust. And overthink about it! 🤣🤣🤣
I'll have to look for one of your videos on paying off debt. I'm a visual learner. I have Ramsay's book but I spend all day reading reports and sometimes I can't make myself read more that's not entertainment (to destress). And I need to stop over thinking, lol
“Stewarding” just adding to the list. I loveeeee that list, it really just shifted my perspective!!!
I’m so glad!! That’s really what it is! 💛
I refer to it as a spending/savings plan not a budget. It seems less painful.
It does! 😅
I am more of a digital girl but I do take cash out on occasions ❤thank you for this beautiful video
You are so welcome! Thank you for watching! 💛
I couldn’t help it - I sent a friend so many links to your videos and free printouts. I am hoping that not just I can get out of debt in 2024 and develop better spending - but that those I care for do as well. I’ll be annoying in 2024 😂
Hahaaa! This is awesome!
I am guilty of this! I tell everyone I know how to save and to pay off debt! We can be annoying together! 🤣🤣🤣
I’m so glad I ran into your channel. ❤❤❤
I love how you explain everything
I love this! I do have a question. I understand budgeting, however, I can't wrap my brain around my situation with budgeting. I get paid monthly and it is a fixed income (Salary). My husband gets paid every two weeks and is variable (hourly with shut downs if there isn't enough work). How would you suggest planning for that? I really want to get a handle on budgeting in 2024. We have been married 20 years and I feel like we have never had a year when we weren't "just making it" (sorry for such a long question)
Hi there! This is a great question- I actually have a 3 part series on setting up a budget. I go much further into detail about variable income and other things.
The videos aren’t super entertaining but they do contain good info.
Here is part 1 and the other two will be at the end for you to click and keep watching.
I hope these help you.
th-cam.com/video/RMTzY-1AbuY/w-d-xo.htmlsi=d10JeSegy-hAhv_n
This is an excellent video to get started. Thank you so much for the freebies. 💜💛💜💛
You are so welcome! 💛
One or the best explanations thank you so much and for the free templates. I am really ready to start now
That’s awesome to hear!! So glad I could help ! 💛💛💛
Money orders offer a tangible way to manage and allocate funds. This method not only streamlines budgeting but also adds an extra layer of security by limiting transactions. It's a useful tip for those looking to enhance their financial control and awareness.
I think so, too! A forgotten way of keeping finances organized.
Thank you for this video I was shocked how much I was overspending, 😭😭.. Im going to start making adjustments, thank you for the printables❤
So if I start this on Friday, do I go ahead and pay the bills due this week and only cash stuff for the rest of my monthly bills?
If you are going to cash stuff your bills - make sure you are extremely organized with it. Have a calendar with all of the due dates written down so you can be sure to have the cash in your account and paid on time.
I don’t stuff my monthly bills- I only cash stuff my variable expenses and things I am saving longer term for.
If you are not living paycheck to paycheck or anything like that- you should be fine but still be super organized.
Honestly- I suggest to new cash stuffers to start with just a few envelopes where they would like to see themselves sticking to a budget. Things like groceries, online shopping, or eating out.
It really depends on what types of bills you have. Just don’t get overwhelmed- once you get the hang of it, it gets easier. I started with one binder and had probably 8 envelopes.
You can ask anything else you can think of - and I’ll try to help. 💛
I used to use money orders in my younger years. I'm working on setting up our budget and debt goals for the coming New Year ❤🐝
Me, too! I’m getting things figured out. I want to go over it with Jason and make sure we are on the same page.
Money orders were the best, right!? Kept me out of a lot of trouble when I was younger. I was a waitress so I always had cash on hand. I would go get my money orders OR I would pay a lot of things in person, too!
@@2SisterBees I remember some of my bill companies wanting a cashier's check or money order, not a personal check, like for rent. I kind of miss the old days. Now, I work for a Credit Union so our mortgage, car loan, and credit card is through them. I just transfer my payments.
I like this step by step , so useful ! 🤩 And I am the only one notice she has beautiful hands lol
Indeed I have noticed as well but stayed silent
Thank you so much for this. I can’t wait to print out the free form and get started. I’ve never had to watch my money but after being a single mom making too much for any assistance but not enough to stay above water, this is so helpful. ❤
I was in this same situation for years. It is really hard to be in that position. I had to know in my heart that I could do it. I could do it myself. I had to push myself most days- but it was worth it. I fixed my awful credit, I purchased a more dependable car, I finally was able to buy my own home. The feeling of accomplishment that came with that is something I will carry with me for the rest of my life. I showed myself what I am capable of.
I’m so glad you decided to start your budgeting journey. We are here for you- to keep motivating you through it all. 💛
@@2SisterBees ❤️🙏🏼
I get the sentiment, but not sure we should be promoting paper copies if we’re also looking to reduce environmental impact. Are there other methods that keep the focus, but keep things digital?
My POV is that there are a million other ways we can reduce waste. If someone is struggling to keep up with bills and paying on time and/or need a more visual way to get back on track- staying with paper billing is a good option. I think it’s a good temporary solution to reset your mind- then once things are streamlined again, go back to paperless. It’s just one suggestion of many that could potentially help some of my viewers.
Not all of them work for everyone- I do my best! 💛
I keep a running list in the notes section of my phone. I put ALL bills in order of their due dates. I don’t do categories. I just list all bills by their due dates and how much is due. Once I pay a bill I type paid under that bill. I have never understood the need for categories. They are all bills regardless how they would be categorized and they all need to get paid by the end of the month. I don’t stress and all my bills get paid on time. I have some paperless bills and I know when they will be coming out so when they do come out I subtract. Nothing hard about it. Everyone budgets different and everyone should do what works for them. I do like to watch and see how other people budget.
I go between paying some bills in cash, but others directly from a card. HOWEVER I just started getting a budget binder, and using a calander to mark off when all bills are due, and which Friday's check pays for which bills.
Yes! That’s awesome! Keeping track and staying on top of it! Great job!
Love this video. You caught me off guard when you said Publix. I forgot you are a Florida gal. 😂 How are you coping without a pub sub available? 😊
It’s a struggle! Every time April says she is getting one- the green eyed monster comes out! 🤣🤣
Hi, this video is very helpful. Where is your calculator from? I’d like to find one like it before I begin my after Christmas no spend period.
I didn’t get mine from Amazon but I found it!
www.amazon.com/Calculators-Benkaim-Calculator-Standard-Business/dp/B0BP1N8ZKX/ref=mp_s_a_1_43_sspa?crid=1QUZLBWB9W0IW&keywords=calculator+big+buttons&qid=1702772956&sprefix=calculator+big+%2Caps%2C219&sr=8-43-spons&sp_csd=d2lkZ2V0TmFtZT1zcF9waG9uZV9zZWFyY2hfYXRmX25leHQ&psc=1
❤❤ these are crazy water bills! 💧 How insane, whew wow!
It was crazy! There was a leak outside - I showed it on one of my cash stuffing videos. It’s like some underground valve outside. Just full of water and letting it flow! 😭
It was crazy! There was a leak outside - I showed it on one of my cash stuffing videos. It’s like some underground valve outside. Just full of water and letting it flow! 😭
@@2SisterBees oh my goodness! I hope they worked with you on that. Wow, it sounds odd it'd be wide open like that!
Hi Jenn. Happy Monday. Awesome information for beginning budgeters
I love your voice, how easy you explain everything and how good this is! Thank you!
Oh wow- thank you so much for your kind words. That means a lot. 💛
This is great tips. Donyou have the links for the budget sheets ?
Yes, I do! And now you do, too! 💛💛💛
drive.google.com/drive/mobile/folders/1VRf2dzNHV84v-oLIbufEnM3LlNcDpXcr
The part about averaging your groceries per month was easy to understand until I saw you put $600 on your monthly grocery expenses. I would've assumed that your average grocery expense would be $200 since you went 6x in three months, $100 each trip. 2x a month= $200.
This is the only part that tripped me up. (as I was calculating my own grocery expense for my own understanding)
I think I was showing an example to just show someone who doesn’t know how to average numbers.
I haven’t watched that video in so long so I’m not sure … but in the end, for you to do your budget with varied numbers -
Just average out a months worth of your latest spending - it won’t be perfect but you’ll be pretty close! 💛
Great video and thank you for the freebies.. april
You are so welcome! 💛
Nice video new subie 🎉
How do you get this started when you have different bills due each week?
Spending Plan!!!!!
Yessss!
Hey Jen 👋🏼. 🫣I'm the bank account checker to make sure everything is on track. Loved the video
❤ This is great I am getting prepped for next year budgeting and taxes. 😢😂 Needed a reminder how to get it together with my budget.🎉
I am working on mine, too! So many different goals now that we are out of debt.
@@2SisterBees I need to not put myself further into debt first lmao! Self control, Jesús, where is it???!!!
Like ol’ Nancy Reagan told us kids back in the 80’s - “ Just Say No” 🤣🤣😅
@@2SisterBees I feel like me pulling the credit card out at the cashier is a lot like Jim Carrey in Liar Liar with the blue pen 😂
I wanna do this so bad. I'm stuck though. I don't have any credit cards and only 1 bank account that all my payments come out of. How do I start stuffing? Someone please guide me with suggestions. Thank you
Okay- so watch my next video posted tomorrow - I also have all my bills come out of my checking. My cash stuffing is the REST of my spending. Bills aren’t what get us- it’s our everyday spending.
Tomorrow’s video might help you get some ideas. 💛💛💛
How do you manage with 74$ with eating out or purchasing? I’m 20 and have a lot of friends and events. Can I just allocate an amount to going out?
Yes- that’s what cash stuffing is all about.
You set your amount and once you spend it- you are out of $ for that category.
So detailed! awesome for beginners
I’m glad! 💛
I’m baaack🤣. I need to get back on track with this. My husband is about take most of our savings to build his shop. You sure encouraged me before! ♥️
Hey!! Long time, no see! Glad to have ya back, Sis!! 💛💛💛
@@2SisterBees thank you, sis!!!💕🤗 glad to be back! I had to go on a 4 hour trip. Dad is 82 and had surgery today. I’m going to watch right now!😁
I just subbed wow I’ve been doing it wrong the whole time thank you for the freebies and thanks for breaking it down like this I understand it so much more
I needed this video 😅
You always do such a great job! Very helpful.
Thank you SO much!
Great information! My water bill is due every 3 months how should I plan for that and what category do you suggest I place that in? Thank you so much for your help! I'm so happy I came across your channel 😊
I would overestimate how much I thought it was going to be and divide by three, setting that amount aside every month 🙂
Setup a utility sinking fund and average what the last three pass bills were and take the average and divide by three and and save in an account or envelope so you have it to pay in three months. Works like a charm!
We pay $500 towards utilities every month. In January We paid $325 to the bill and put $175 into savings to use in the summer. Our bills last year got over $600 in the summer months and it helps offset by just paying the same amount every month.
I’m brand new to the hive 🐝 and I’m soooo excited to be here!! I’m 49 and in a few months I will be 50 😬 Thankfully my husband is so good with money because I have always struggled. It’s like money slips through my fingers. I’m determined to turn that around and impress my husband & myself that I can do this.
Thank you for sharing all this great information. I’ve been binge watching your videos 😅 I’m going to purchase your budget binder basics to get started.
I’m not sure if you have done a video on credit cards and cash back using them? I know using credit cards are a taboo in these financial communities but would love to hear you and your sisters thoughts on them. I’m nervous about carrying cash, especially such large amounts (maybe I just need to get over that).
Thanks again!!! Cannot wait to learn from you all!
I really appreciate you making this video. Do you have any tips for entrepreneurs?
I’m glad you like the video-
It’s funny you ask about the entrepreneur tips- I come from a family of them. 💛
We just find something we enjoy, work hard and MAKE it happen. My dad never let anything get in his way and I watched him my whole life. Never bothered. Never took failing as an option. Just go, do and be! 💛
This is so cool! I had made a plan to work on my budget every week so it's perfect that you do this weekly!!! I'll do it with you!! Subscribed! Okay, I've following along and wrote it all down but I don't get it. How do I pay all my bills using cash? Do I get money orders for ALL my bills? Then I'm spending a lot on money orders, right? I'm really excited to do this because I think it will help me get control of my spending and pay off my debt; but, I am worried it's not going to work with how to deal with this cash.
Great video - thank you! I would love to not use paperless. Not sure about the US but in Australia they charge you an extra fee unless you use paperless. So it is a toss up between paying a fee (which makes me cross!) and having the paper bill in my hand that I want.
Hey, is your complete plan still available? I’ve had a look on Etsy and I can’t seem to find it 😢
It is still available:
www.etsy.com/listing/1714969150/
th-cam.com/video/wmKB3QhvJp0/w-d-xo.htmlsi=eJa9VvHjmeQm_Mhv
so, I have a question. my husband gets paid 1 to 2x's a yr. , do you have any suggestions on how I can figure out a budget? It's been nearly impossible but I'm determined to not give up :/ :)
Hi Jen. I am brand new here and your posts are so ultra helpful. I do have a question. Every pay period I tithe 10% of my income which is hundreds of dollars per month. Do you tithe and have this covered in a different video or do you not have that as part of your budget please? Thank you so much!!
Welcome to The Hive!
It is actually part of mine, as well.
Here is a video I just posted that should be very helpful for you.
I go over step by step budget and I include the sheets I am using as a free download for you.
th-cam.com/video/dBRvWNfHLxw/w-d-xo.htmlsi=oNYzwnxDUyjEVtdU
@@2SisterBees thank you so much!!! I am going to devour it right now 😊 Thanks for everything!!
Do you keep all of your sinking funds in cash only? in your envelopes, not in a bank account.
Hi Ms. Ashley!
I have in the past when I first started because I had a habit of spending if I saw the numbers in the bank. Keeping it out changed how I save.
I now have a working plan, a working budget and my mindset on money is different, as a whole.
I now have in HYS, short term savings, emergency account, IRA and invested.
Something as simple as cash stuffing and writing a budget has changed our lives in a matter of 3 years.
ok so paperless isn't as bad as you think you can print those bills when you get them over email for you records you can also print the confirmation emails so you have proof it was paid not going paperless can cause you to not have this proof via confirmation emails.
great video loved it
Thank you! 💛
Awesome video very well put great way to make everything come together instead of having chaos every month trying to figure out where the money came in or where the money went to I agree about agree with you in regards to the bank I use one that gives you three accounts as well one is credit builder that will increase your credit score automatically by paying your bills with it 2 the checking account and the next one is savings account and they also cover you in the middle of the month if you run out of money they cover you and they don't charge you extra fees at the the next pay cycle week or the month when you get your income again
am i just stupid I dont know how to download the free printables, I keep going to a google doc, but I don't know which on it is, and then they are all just not doing anything????
You are not stupid - once you click on one of them, it will be big on your screen.
Look for the download button - it’s a square with an arrow pointing down on it. It should be on the upper right side.
Click that and that will download to your computer.
Go to your downloads in your computer, you should see it and now you can print it.
I hope that helps.
If not, you could go to Staples or your library and they will show you in person how to do it. 💛💛💛
Don’t feel bad I still don’t see it. Even after I read her comment
Curious how this would work if one spouse works weekly and the other works bi-weekly... That's the situation I'm in.
Ii was never taught how to budget and I'm always stuck and frustrated
Have you watched the Payday Routine video yet?
th-cam.com/video/orF4rRKnQ10/w-d-xo.htmlsi=Yy89Gbz6ulHFXyQR
I wonder if that would help you?
💛
yes to the no spend challenge,, I struggle with the order alot bc it's not working for my brain to get stuff out of? but the challenge could be a fun thiing!
I can’t believe how much you sound like my mother and it’s crazy because then you said you’re husband Jason and it’s crazy because that’s my dads name
Are you one of my kids? 😂💛
@@2SisterBees I’m pretty sure lol
I travel a ot for work and moved hosues several times. I am paperless, but i do try and maintain a pocketbook of expenses
I have a question she did only her income can we do both income w spouse.
I’m going to work on a video for other situations. Keep an eye out! 💛
Thanks for the videos.
I didn't understand about the grocery. How do you spend only $600 a month? Do you go to the grocery store only 6 times a month?
How big is your family?
Grocery prices are likely to vary depending on where you’re located. I shop for only a 2 person household and my monthly grocery budget is ~$400, but actual spending is often below that and leaves some room for treats as our situation allows for that. My budget and approach allows for meals that make leftovers that often are taken for lunch the next day and sometimes stretch to a 2nd dinner
Great video Jen. Very informative and interesting 🤔
I’m glad you liked it! 🙌
Thanks for your content , so very informative. I’ve only recently began watching . When you say 10% for car (payment ) .. if I don’t have that expense would the 10% be registrations , car maintenance , etc ?
I would think that is up to you but it isn’t a bad idea.
Car repairs, insurance and even gas are so expensive now. If you do the math, those things might come close to that 10%!
I am not a financial advisor so I don’t want to say that’s what you absolutely should do- run your numbers and see what you think.
Thank you for watching and I’m glad to have you here! 💛
Great job! It is wonderful that you are helping so many!
I’m trying, Sis! 💛💛💛
Thank u from South Africa
You’re welcome! Thank you for watching! 💛
Some of them are charging for not being paperless now
Yes- that is true. There’s a lot of variables with this.
My water company and my electric both charge fees for paying online as a processing charge, I guess.
Just need to be aware of which ones charge under which circumstances.
Also, that piece of advice was meant for those who struggle to pay bills on time. If that’s the case, bouncing an auto pay is WAY more expensive than the paper fee. It’s a balance but I think sometimes the “new” way is all that a lot of younger people know. Sometimes doing things the “old school” way can be more beneficial. Just throwing out options for you guys. 💛
I just randomly came across your channel and I am grateful! I need to REEL IT IN! I have cash stuffed before kinda sorta, but need to get serious. Saw one of your cash stuffing videos and then found this one. I know how to budget, I just overthink it all, and this made it Ssooooo easy and I thank you! Grabbed an old binder, some of your free printable and rode out the storm here last night putting everything together. I DID break a no spend day and bought a binder for cash stuffing. When I did the budget, I found out I can easily meet an urgent goal by mid February literally just by sticking to that budget. I had been stressing about it. Subscribed now for sure, and the challenges look fun so I'm going to make sure to get there soon!
I’m so glad you found 2SB! 💛
I was the same way- I knew about budgeting and I was doing it for years when I was a single mom. But lifestyle creep got real once Jason and I got married. We just kept spending more and more. 😅
We had to reel it in, too!
Things are so different now.
We’ve made so many changes and we actually like it this way much better! Less stress!
You’ll do it, too! You already have the drive- just keep going, Sis! 🤍
Thank you sooo much for the freebie 💝🌺 and the wonderful budget explanation
Hello Jen - question.....I budget on 40 hour weeks and do not count any of my overtime in my budget....it is like extra money....is this a good thing to do????? Give me your thoughts please.
I don’t know how that couldn’t be a GREAT thing! You are living below your means and that’s the BEST thing any of us can do.
I follow Dave Ramsey’s baby steps linked here :
www.ramseysolutions.com/dave-ramsey-7-baby-steps?gad_source=1&gclid=CjwKCAiA-bmsBhAGEiwAoaQNmsNWWBElzHg41fU927J_UqRlgYm1Q4XCbzRTMvN3cx77bpQNPs6-yRoCGvcQAvD_BwE
Just incase you are wondering what you should do with any extra savings. It’s helped me stay focused. 💛
Hello where does gas ⛽️ fit in on your budget
We work remotely so our gas is VERY low. The budget video is a template to show others how to plug in their own bills/ numbers. No one has the same income or expenses.
When you make your own budget, you are taking your income and then deducting your expenses by prioritizing what has to be paid first. Then go in order and see what you have left. If you have $ left, begin saving. If you are in the negative, you will need to cut expenses and/ or make more income. I hope that helps - 💛
I like paperless billing, However, here and there, I get a couple of dollars discount from different companies when I use paperless billing. a buck saved is a buck saved. hehe
As long as it works for you- that’s what you should stick with. 💛
Going paper bills costs money!!! Vendors will charge you for that. Why would I pay more. That’s a waste of
It does cost a few extra dollars yes- but the point I was making is for those who go paperless and then don’t actually check their bills. Then that $ comes out and it could potentially cause a bigger issue with insufficient funds or cutting them very short.
That piece of advice isn’t meant for every single person- as no advice fits everybody.
Thanks for your comment ! 😊
How do I find April’s channel?
Hello! You asked at a perfect time! She’s got something coming up soon on the channel!
youtube.com/@neighbeehood?si=vJcyCFGkbBFkd_oB
New supporter here! I love the way you laid this out for new budgeters. THANK YOU!!!
Awesome! Glad to have you! 💛
New supporter here! I love the way you laid this out for new budgeters. THANK YOU!!!
I’m so glad you thought it was easy to understand. That means a lot. It can be hard to convey info like this. 💛
Thanks for your support!
$2500/ year for hair?…;….;……..🤦♂️
This is a conversation I had once with someone I consider to be my 2nd Mom. She couldn’t believe I spent $100 on a pair of jeans. I came back with- I would never spend the amounts she does at casinos.
We all have different priorities.
💛
@@2SisterBees 😝😝as we get older (I am 71), we get extra frugal. When people are younger they don’t know the time value of money., and how returns grow. Fortunately all 3 of our kids (in their 40s) all make over $200k each and all have over $500k in their IRAs, and all have over $300K in home equity. Starting young is the key. You have a nice channel, keep it up.
You are so right- I wish I knew then what I do now. (Sigh)
I agree auto pay is easy to lose track but I do not trust mail honestly. E-bill reminds me of everything and I don't miss it.
You definitely want to continue what works for you. 💛
Holy. Save time and just go to Step one at 4:25
Hey- just getting the people pumped to do a budget! 😂
Not an easy job ! Hahaa