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- เผยแพร่เมื่อ 1 ต.ค. 2024
- Today's video is a breakdown of my first paycheck for March and cash envelope stuffing. Hope y'all enjoy!
MY CASH ENVELOPES/ETSY SHOP:
www.etsy.com/s...
SIMILAR COIN SAFE:
www.amazon.com...
PEN I USE:
www.amazon.com...
NOTEBOOK:
I bought it at TJMaxx. Fringe brand notebook.
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Unplug everything except fridge. And only plug in when needed that might help.
Girl, you need to get rid of some of that non-essential expending and you will be able to pay your mom off and save more to build wealth.
It seems that you priorities are off imo; your baby and hair gets the same amount recurring? You owe your mom thousands but only manage $20 a paycheck while saving $15 for a nose job? At that rate its gonna take a decade to pay her off. Your xmas gifts is $25 (more than you pay your mom), is it that important to purchase presents for others at that amount when you're clearly barely scraping by? Your rent is quite disproportionate to your income also. It doesn't make sense to me, but it seems to be working out for you so more power to you.
She gets to good pay checks each month so the rent is only about 25% of her wage. Also her mum probably wouldn’t mind waiting for the money most parents would rather you take care of your own stuff and pay them little and often rather than go without. That’s what being a parent is about! Also does it matter what she is saving for as long as her baby is being taking cares of what does it matter!
😅😅 I thought of all this but we have to understand other people’s lives too, we don’t all have the same priorities
Real bold statement considering you’re on the outside looking in.
But seriously - your handwriting is gorgeous! :) I love your script!
Thank you so much! 😊
Tip for electricity
• shut off all lights when your not in that room
•Dont use base board or wall heaters •plug in small heaters and each room only turn them on when in that room. •Also unplug all cords from wall and etc when sleeping or not using that device.
•Close all doors to rooms and help block of the room so the heater is only heat that specific room.
My mom is in real estate and my dad is a contractor so baseboard heaters and wall heater suck so much power and it's no much cheaper to use the small plug in heater.
girl you could be earning interest on your money...
Like $5 a year if that lol
Dean Majidy Yeah and then that compounds...especially if it’s not just in the bank and is in some sort of trading/retirement account. Just a suggestion though, it’s not for everyone.
About the electricity, I've heard sometimes you can call the utility company and they will send someone out to check and see what is going on if your bill and your usage don't add up. Some people also buy something like a Kill A WATT usage monitor to figure out how much each appliance takes up. Plugged in appliances will even suck energy when they aren't in use, so if you have time or motivation you can unplug them and that will save you some extra money.
I’ll look into that device. I’m definitely going to call my electric company out though, maybe they’ll find something that I didn’t see. Thank you 😊
Your windows and doors might also have seals that are letting cold air in making your heater have to work harder and thus making your electric go up.
Maybe you can get on a budget plan with the electric company that should help...
i wish i made that much for each paycheck!
I don't get how everyone is saying that her method is so great. She doesn't factor long-term savings in (only leftover cash, which is close to nothing). You should save 10% of your income.
Also at this rate her paying back her mom is going to take her over 10 years. She will get her nose job in about 20 years. And that is not even taking into acount, that her budget is going to change a lot with a child costing a lot.
Patricia Grass I think her method is great, it is good for those who are in the beginning stages of financial planning and setting goals. Overtime she will perfect her method to her needs, as of now I think she is doing great based on her budget!
For your information she has already taken out pension and big savings out of her pay check already. She doesn’t include it here cos it’s separate!
Also her mum doesn’t even know she’s saving up for her so it doesn’t matter if it takes a while x
Your rent seems to be too high for your monthly takeaway. Just saying. 🤷🏾♀️
This says March 1st check, I'm assuming she gets paid every two weeks, for a total of just under $4,000. 1,050 is 1/4, or 25%. It is suggested that rent be 30% of your income or less. She's doing fine. Just saying. 🤷🏽♀️
She gets paid quiet well. Her rent is cheap. I get like 1500 a month and my rent is 600
She tryna save for a nose job and owes her mom and is paying 1050 for rent ... I live in Chicago (one of the most expensive cities) and pay less than 800 and make more than what she does. Just saying if you have priorities she should try to find other ways. But this is my opinion.
Camara Thomas congrats. Want a cookie?
@@kaylynboyd2035 lmao that's something i would say 😂
You are AWESOME! This is the level I'm trying to be on with my finances. Glad I found your channel. Love the envelope method!
I saw a lot of positive reviews about Lawrence a debt relief expert and how he has been helping people get out of debt here on TH-cam ...
I am happy I took the decision to contact him on +1•334•439•2472. Within 3 weeks he paid off all my debts for free. talk to him, I’m sure you will come thanking me later
AJ H. She probably has a normal day job with TH-cam being her side hustle!
I’ve seen a lot of people say they unplug stuff like their toasters and things they don’t use all the time and it helped their electric bills a bunch
I didn’t even think of that! Thank you. 😊
BudgieBug yep! I saw some comments saying just unplugging appliances like toasters coffee machines and lamps that they don’t use much basically halved their bills!
I did that to help reduce the bill! I also never used the dishwasher and hand washed dishes instead!
What’s your job that you get paid that much? I would love to know because I’m looking for a new job
she said she didn’t want to say on previous comments.
I'm going to say TH-cam maybe? 🤷♀️
In a later video she mentioned she is a writer :)
I really like your method of budgeting. I've watched many (and I mean MANY!) different budgeting methods, but yours is very easy to follow and straightforward! I am new to this whole budgeting thing. I've been trying to get out of debt for the last ten years, and I am just now learning about cash envelopes and I'm hoping this method will help me to finally be on the road to financial freedom.
Keeping it simple works better for some people 😊 good luck on your journey! I believe in you 💕
Your cash envelopes are so sleek and minimal I love it. I especially love the jet black ones!
This seems like such a great way to save money! Having cash definietly makes me spend less. But I would be so worried if I only had enough money in my bank account to pay for my bills. What if a surprise expense comes out and your account overdrafts? Also, do you use credit cards?
To lower my electricity bill, I flip the switch in the breaker box off as soon as I get up for work. When I get home I flip it back on. I'm in Texas so it does get really hot, but when I do this my electricity is around $40-$50!
Wow!
1.Cut Cable and get the fire stick. There is a video on TH-cam that shows how to watch TV and movies for free.
2. Use the sun/windows to warm your home, open shades if possible. In the summer use shades that block out light and also use a fan.
3. Put the heat at 65-67 and wear warmer clothes.
4. Unplug everything except for major appliances.
5. Replace all light bulbs with Energy efficient light bulbs. Use LED lights if possible.
6. Check all major appliances to insure they are working well. Change dryer filter every time so it drys the first time.
7. Hang dry clothes or hand wash dishes.
8. Make sure your AC filter is clean, replace filter as direction states. More expensive filter last for 3 months.
9. Use the sun for lights and keep the lights off as much as possible. Turn lights off if you are not in the room.
10. Keep interior doors open for Energy efficient airflow
Hope this helps🤞🏽
We found out last month we had a gas leak on our dryer gas pipe for 3months. Only reason we didn't smell is because it was venting through a hole on the vent leading outside. But I was catching headaches everytime I was in the laundry room. I had our utility company come out because the bill didnt look right to me for the winter time. I should be back to normal now in March
I live in Paris and if I had that paycheck, with how I'm leaving now i would be rich.
1050 for rent, depends on where she's living I guess. Here 42m² 2 roomn kitchen, bath with toilette is around 1200.
134 for electricity? I pay 40euros for a shared flat of 2
114 for internet? 25euros
36 for water? its in the rent.
We don't have sewage here, we pay for the trash and genral maintenance of the neighborhood via a yearly taxe that depends on where you live. So far its always been around 150euros for me so less than 15 a month.
Well for the rest I have no dog and I don't use Netflix or Itune.
Lets add the flat insurance, transportation and my smartphone bill, 20euros, 75 euros and 10 euros.
Lets convert 1944 into euros to be fair 1782 euros
I would have 998 euros left to enjoy myself.
Okay I might be missing some costs here and there, my insurance is taken care of by my employer but its around, 30 euros a month.
Where did u learn to write like that? I absolutely love it.
I bought a book on amazon on hand lettering and just practiced A LOT!
BudgieBug: Wow!! Really. Okay, I need this in my life. It’s lovely.
I love how you budget per paycheck and have each bill lined out and know exactly how much money it will take from that specific paycheck. That is how I budget as well. The envelope seems like easy work, but it also seems like a lot of unnecessary work. That’s a lot of writing and moving money around. I feel like there has to be a less time consuming way that does not use as many resources
I personally don’t mind the extra work. It’s never been inconvenient, and has saved me almost $2,000 since January alone. If I wasn’t doing envelopes, I would’ve for sure spent that on who knows that lol. It just keeps me accountable. Not to say that can’t change in the future though!
You can unplug everything you dont use during the day I do that and save atleast 100 dollars a month I keep my microwave unplugged anything that isn't essential to be on I unplug because even though it's not on its using electricity being plugged in
Have the apartment engineer change your a/c filter...maybe that will help
I agree with the other person, call the electricity company. They will be able to see what’s going on. Also if you turn off the main circuit breaker to your place. If it’s still moving then it’s probably being used by someone.
Im lucky if i can save anything each month! By the time my bills and groceries are paid im scrambling to come up with extra money so good luck with my saving for car repairs and other extra items. Btw im a single mom living on one income and making it work!!
Change your lightbulbs to energy saving ones! Love your videos!
I would check previous electric bills. Sometimes our bills are actual and sometimes they are estimated. If it's estimated and it's over it should credit your next bill. Most places I believe say its more energy efficient to use big appliances like washer and dryer after 7pm.
Turn heat down at night, unplug things not being used.
I LOVE my envelopes! And they came so fast. Thank you!!
first, LOVE your videos. please keep them coming! :)
re: electricity
make sure your company is charging you based on actual usage. my company has two options: to charge you based on what you actually use, or they look at the average use in the area, and divide the cost of the entire year so you pay a similar amount every month. this is supposed to help when you do have high usage months and then the bill won’t be atrocious. i think it’s called “levelized billing”. there is also budget billing but usually you have to be in the home for 12 months and then it would be the same amount every month. i would definitely check what you have. if you are taking precautions then your statement should reflect that. otherwise.. lots of good tips below 👇 good luck!!
Unplug things that are not being used from the wall. It’s helps a little
A new subscriber here! Love love watching your videos. :-)
Could you do a video where you explain how you made your envelopes...they’re so cute😂❤️
If you have older appliances that could be a killer for your budget... like an older fridge.
A tip I have is signing up with an electric company that does average billing. I started it AFTER the high summer bills and then sign up for average billing when I can. Ours for a 1600 sqft home is always less than $50 now.
Split all your bills in half each month. It has changed the way I do budgeting. It takes a bit of effort to get started but is so worth it. The key to doing this is knowing all your due dates and initially figuring out which ones need to be fully funded and which you can do half for. Then your next paycheck you should be able to do half for all your bills. This can also help you get 1 month ahead since you'll have extra cash to put into saving for that 1 month ahead.
Samantha Cromer omg yes! I always do this. But since I get paid weekly I split mines by 4 weeks and put that amount away each week. I do this with everything even paying my car taxes.
@@candy2325 it so makes a difference in how much money is going towards bills each pay period. And gives more money to be saved for things like car taxes and tags, christmas, etc.
This is what I do. Though pretty much all my bills are due before the first check but if I’m ahead a month it doesn’t matter and I can wait and do half and half
@@kaylynboyd2035 yes due dates can be hard. I had to do some figuring out to get started. Depending on due dates I had to fully fund some Bill's and fund half of others to get started. Alyssa Nicole budgets on youtube has a video explaining how to get started and I used that as a reference for myself.
Yes i always split my bills in half for the entire month...it has always helped me since I still live with my mom 😊
If you’ve been living in your home for a year ask the utility company if you can be put on a budget.
you can only do that if you have paid your entire bill off
If you have a heat pump and it’s low on gas it will run the electric strip heat because it can’t meet the temp set point that will kill your power bill
What do you do for a living?
kadenjxoxo right? Like damn lol
Just ordered envelopes... so excited!
TURN THEM DAMN LIGHTS OFF . Unplug stuff and don’t watch tv that much
LED lights. I keep my thermostat lower (around 65) but I like it cold. I make sure to do full loads for my dish and clothes washer. I also take lukewarm showers versus hot baths. When you buy a house, I recommend a smart thermostat that you can program to be more efficient by programming temps when you are home versus away and also make adjustments during peak hours.
Hi girl !
I honestly understand that we all have different priorities and different desires, but I do feel like you could slightly improve it, and I would love to help you improve your budget.
Let me know if you want to make a new one with me ❤️.
(And sorry in advance if I’m making any assumption or don’t know about your situation, just any inconvenience at all)
Are your utilities all electric? If so make sure you turn off any nonessential electrical items. E.g. turn off you tv at night, unplug stereos. Get energy efficient light bulbs. Use natural light where ever possible. Get used to the heat in summer. Ditch the ac it’s bad for the environment anyway. Open windows. Get fans. And air dry your clothes instead of using the dryer.
Let me know if those help.
Also if you could check out my channel I just started my cash budgeting journey and could use some help getting noticed. What tags etc do you use?
Hi I’m new here. Do you live alone? Just curious if it’s just you paying the bills. Also do you live in a house the electricity co can come out and test your meter. My bill runs that high in the winter because I have a furnace. Square footage matters also shut doors and unplug stuff not in use and turn lights off when you’re not in the room.
It’s just me paying the bills for the time being 😊 and yes I’m going to have them come check my meter next month if my bill doesn’t go down with everyone else’s tips. Thanks so much!
never watched one of your videos before so I don't know your living situation (maybe you figured it out already) but maybe check and make sure you're only paying the electric for your unit.
I love the cash envelope system. It really helps you become an expert in money management. Personally I absolutely must live on a written budget. Most people don't do a written budget and that's fine cause they will continually live broke so that's fine with me. They live broke while I have cash. Sounds great to me.
For everyone saying that her rent is too much... oh well. It may be too much but it also depends where she lives and the area. If she is paying her rent then good for her. Other than that for those commenting “your rent is too much for what you’re making”, uhh are you paying her bills? Let her be. Some things she’s saving for might not be essential to you. To each his own. And it’s her first months pay check for March just to be clear.
What do you do for a living 🥰 btw I love how you do your budgeting !! It’s super easy !!! ❤️
phantom energy is a real thing so only plug in things when you need it if you can. i genuinely only turn the lights on when i’m eating dinner and for a little while after so maybe 2 hrs and that’s still only one light. throughout the day i keep all lights off and open blinds for light. i also don’t run the ac, i’ll open windows for fresh cool air in the evening, have a fan on all day and night, and i sometimes turn on the ac for about 10 minutes to get cool air in and turn the fans on to keep it circulating and i live in az and it’s about 80 everyday lately and it’s really not that bad. my electric was $43 this past month but i do live in an apartment so i know it’s different
could be insulation of your house/unit or the windows. Maybe doors are letting the colder air in so you heat has to work harder. Not sure where you live (also it's like 5 months later) but just turning the heat OFF and just letting the house be naturally cold, wear sweaters and such.
What exactly happens to your cash savings envelope? Is it like for an emergency fund or?
Can we please get a video of how or where you got those amazing envelopes? 🥺🥺
You can turn all switches off like your tv at night along with like ur kettle and toaster etc. Only have eg. Your bedroom lamp and phone charger on to save money that way, it can do alot
If only I can stick to my budget I wld be okay! Maybe if I upload my weekly budget to my channel I’d stick to it!
Honestly it keeps me accountable uploading 😊 this channel was originally just for that! It works!
BudgieBug I may need to do the same
I would contact the electric dept and ask them why your bill is so high, maybe they are charging you for other units or there needs to be some updated equipment or something.
Have maintenance check the heater especially if it constantly runs, my breaker kept jumping off causes the heater to constantly run and my bill to be high
Does your state have a budget plan for electric? In Pa you pay the same price every month.
This is ridiculous. Why don't you just open a savings and put your extra money in there at the end of the month?
just asking because i am from the UK, you said something about two pay-cheques a month. Is that a thing in the US?
Over here we only get paid once at the end of the month.
Well it depends on what job you have. My job pays twice a month. Some people can get paid up to 3 times a month because they get paid every other Friday. Some even get paid every Friday. I wish it were as simple as the UK, I think budgeting one check for the entire month would be way easier to track.
BudgieBug you’re right! I’ve gotten paid in many methods from all my high school and college jobs and career jobs and it really does vary. However I found monthly checks the hardest since it feels like forever until the next check.
Georgia Nicolaou Here in the U.S the most common time frame for pay is either 2 weeks or weekly pay. Every 2 weeks is pretty standard. Some jobs will even choose two specific days out of the month to pay you. My job pays every two weeks so there are some months where I may get paid more than just twice a month depending on when the first paycheck falls. Monthly pay sounds horrible. I can barely stand waiting two weeks for pay, I can’t imagine having to wait 4 weeks.
Some people get paid weekly it’s not just monthly
For eletric: shutting off machines completely that often stay in standby mode. unplugging cables that aren't in use, etc. can make a big difference...
Get on the budget plan with your light bill......it will help
Keep your thermostat to auto and that will help as it will adjust automatically
You're having a baby, but stuffing envelopes for a nose job and Bahamas. Shouldn't you have a baby envelope. Just saying...
Did you just not watch the whole thing?
I love everything about this video !!!!! Super motivating
lovely content
Where do you put the envelopes, in a safe?
turn off all appliances at the wall and don’t keep lights on
Love the video, but quick question . Say if your checks are $800-$900 could you still use this budgeting method ?
Absolutely! Budgets can be tailored to anyone’s pay. I’d say start off with the NEEDS...food, utilities, shelter and transportation. From there, anything left over use towards debts, other expenses and savings. This is how I do it personally, so just figure out what works best for you. The key is giving every dollar a place to be. You should be left with $0 at the end of the month. And by $0 I don’t mean spend it all. Utilize your savings goals.
I know I’m late but one tip is to have the air conditioner on auto and not on all the time.
I love the idea but nowadays I feel like everything is paid online it's harder to budget when you can't physically see your money.
T. Wiese Try the YNAB budgeting system. It’s AMAZING! They have a channel here on YT! 😍😍😍
Re your electric - make sure you have a separate meter/aren't paying for multiple units. My apartment shares a meter with the unit next to me, and this wasn't mentioned in the lease or outright told to me by anyone appropriately (which is illegal) so I could imagine you turning on utilities for both units without knowing. My electric is around the same price as yours but it's split between the two of us so my cost is half.
Love your writing! Where did you learn to write like that?
amazing content
If your a student you can get iTunes for about $6-$7
In the winter, we cellophane the windows to keep heat in, so it doesn’t escape throw the windows. We also roll old towels/blankets and put them up against the door (to keep the draft out). We’re lucky enough to have a fireplace to heat the house, I keep the thermostat at 62 degrees. When we were younger my mom would purposely cook in the oven on cold nights so the heat from the oven would help keep the house warm and the thermostat low!
Unplugging appliances is a nice idea but it can get tiring after a while to bend down and try to reach the cord every time, I usually plug everything I can on a power strip that has a button. This way I can just step on the button when I want the appliance on and step on it again when I want it off. Also remember that some appliances have a double expense, for example the dishwasher doesn't use only water but also electricity (plus, the older the appliance, the bigger the energy dispersion, a class B fridge will consume more electricity than a class A++). I live alone so I barely use the dishwasher, but I still noticed it on my electricity bill that month when I really didn't want to handwash my dishes. Another thing is, if your country lets you, to self-read the energy meters, because often the bills are calculated on an "estimate" of how much you consume when it might be that it's lower. Of course, once every year, they'll actually read the meters and adjust your bill accordingly but if you self-read it's going to be more accurate and it would save you the headache when you get bills that are way pricier than what you'd expect.
You should use highlighters. 😊😊😊😊
Omg Luv ur cash envelopes designs and cash breakdown card too!! You are so creative! First time watching ur videos and luv luv luv. Will be subscribing! Also luv ur free styling in ur journal!
How do you work out your sinking funds?
If you use a console for watching Netflix or Hulu or things at night, see if you cannot eventually switch to a smart TV or Chrome Cast from your phone which is already plugged in for the night. We switched over to a smart TV from using our xBox to watch Hulu in the evening and that made a weirdly significant difference in our electricity.
This is so cute & relaxing to do. Maybe its you xD. But would definitely try this in the future
I’m so happy to watch another video 🥰 I look forward to your videos I love your personality keep them coming 💕💕
Thanks girl! ❤️❤️
Baseboard heaters suck!!! My bills used to be so high. I just use plug in heaters !!
what currency of money is this in?
Great video ❤
can't see nothing.... too small
Kira is a minimalist and she saves electricity by unplugging everything at night. Except for the fridge. It wet from $24 to $12 dollars a month. Hope this helps. Also, where do you work?
How big is you home/apartment? Also, whatever bedroom you don’t use, close the vent. Set your thermostat at your comfortable temp, and use your ceiling fans.
If your bill is unusually high despite you making energy saving efforts there may be an issue with it! Try calling the company to see if you can get someone to come check and see what’s using power the most. Get you HVAC system checked especially! Unchanged filters, leaking, old parts can cause huge unnecessary energy usage. My bill just went down like crazy after my apartment had to replace multiple a/c parts.
Change your light bulbs to LED. Check to see how old your fridge is. If it is older than 10 year , it could be a energy waster. If you have a clothes waster use cold only. Do you keep your charging cables plunged 24/7. It does use energy.
💕💕💕👍💕💕💕💕
This is pretty much the same as The Budget Mom
My electric company told me to turn down my heat to 66 degrees right before I head to bed then turn it back up to 68 degrees in the morning when I get up. If you work out of your home during the day you could probably turn the temperature back down to 66 degrees before you leave your home and turn it back up when you get home until bedtime. Try that.
I keep my heat on 66 degrees each day and the bill still is high!
That's bad news!!!
Find out when Non Peak hours are through your light company(helps when running washer,dryer,dishwasher...anything big) and do use these appliances during those hours....use energy efficient light bulbs...unplug anything your not using and plug things in that is necessary ...winter time on electric is always a bit higher but also running air conditioner on a brrrrr setting can also make it high... I’m sure you will figure out little shortcuts...hope this helps😊
Thermostat at 76 degrees. Try that
I got a little confused when you took money from your “daily envelopes”. So at each paycheck you just take whatever is left from those envelopes & save it & start at $0 again?
Unplug things when you're not using them! Makes a noticeable difference!
Sooo.. her f’s look a lil funky 🙃