How I Pay My Bills Using The Cash Envelope System (+ Other Questions!)

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  • เผยแพร่เมื่อ 30 พ.ย. 2024

ความคิดเห็น • 78

  • @jackiedesiraye
    @jackiedesiraye ปีที่แล้ว +5

    YES. Please make your simple planning videos. I prefer the minimal planning. I don’t use stickers. Everyone uses stickers in their planning. It’s hard to find simple functional minimal planners. ❤

  • @MzAbstractMind
    @MzAbstractMind ปีที่แล้ว +9

    I leave my bill money in the bank. I stuff the money I have leftover. I live and work w/in walking distance of my bank but, I’m not voluntarily going 😂🤣
    Also, I watch regular pen and paper planning. There’s always something new/fun to learn ☺️

    • @ayaplans
      @ayaplans  ปีที่แล้ว

      Lol! Glad that works for you 😂☺️ and that’s a good perspective ❤️

    • @jborrego2406
      @jborrego2406 ปีที่แล้ว

      Have u try qube , digital system

  • @cordeliagorman2765
    @cordeliagorman2765 24 วันที่ผ่านมา

    😊I love to see planners even when it is just paper and pen. Minimalist

  • @erin4815162342
    @erin4815162342 ปีที่แล้ว +4

    I leave automatically paid bills in my account. I use a check register app on my phone and write those bills out when I get paid. So I look at my check register app to see what's available in my checking account to spend, I don't look at my checking account balance. I find this easier than withdrawing bill money and then having to put it back

    • @ayaplans
      @ayaplans  ปีที่แล้ว

      Awesome idea!

    • @mizz.livinglife4448
      @mizz.livinglife4448 ปีที่แล้ว +1

      I do something similar. I pay all my bills on my credit card however each paycheck I sat aside the amount of bills that due into a separate savings account. At the end of each month once all my bills have been paid I transfer all my bill money back into my checking and pay my credit card back. I do also have a bills tracker so once each bill is due and paid I check it off just to know I’m not forgetting to pay bills meanwhile that actual bill money just hangs out in my separate savings account until the end of each month. Hope that makes sense without confusing you lol but I hate small trips back and forward to the bank.

    • @erin4815162342
      @erin4815162342 ปีที่แล้ว

      @@mizz.livinglife4448 I like this idea…can get any rewards offered by the CC company plus making the bill money unavailable to spend on other things

  • @Brisbudgeting
    @Brisbudgeting ปีที่แล้ว +3

    Loved this video!😊 I’m trying to slowly get ahead on bills so for now, I leave my bill money in the bank & then stuff small amounts in my bill binder. Once I’m a month ahead I’ll start stuffing the full amounts!!

    • @ayaplans
      @ayaplans  ปีที่แล้ว

      Love that!

  • @Supppppp7
    @Supppppp7 ปีที่แล้ว +4

    Yes we need planner videos!!

  • @StrawberryMoney
    @StrawberryMoney ปีที่แล้ว +2

    Hey girl I was having the same issue with my tripod/ring light set up but I recently upgraded to the type that clips to your desk and I love it! So much easier!

    • @ayaplans
      @ayaplans  ปีที่แล้ว

      I like those but don’t have a big enough desk to clip it to. And we just moved out in Dec and still don’t have a dining table 😂😭

  • @angieineverettcust2934
    @angieineverettcust2934 ปีที่แล้ว +1

    When I get paid I put leave in my checking account as much money as I need to pay my bills and then I take out the rest in cash and spread that through my cash envelopes and that’s what I use. I don’t use my debit card for anything unless I have to and then I’ll put the cash in otherwise it’s cash only for spending for me so I don’t have to worry about spending what’s in my checking account for coffee or groceries or anything. If I don’t have the money in that envelope I don’t spend it

  • @emilyavery5970
    @emilyavery5970 11 หลายเดือนก่อน

    I do a combination of both. I keep bill money in the bank and use the cash envelope system for discretionary spending. I find that when I track my spending money and I see it in person, I'm less likely to make dumb impulse purchases.

    • @ayaplans
      @ayaplans  11 หลายเดือนก่อน

      Love that!

  • @santagonzalez1222
    @santagonzalez1222 8 หลายเดือนก่อน

    I was so looking for a video, and saw this one was a few months old and let me tell you I’m so glad I decided to watch it. Love loved it. Thank you it’s so helpful. Blessings

    • @ayaplans
      @ayaplans  8 หลายเดือนก่อน

      Aw thank you! So glad you thought it was helpful 🥰

  • @HeatherRegansoultherapist
    @HeatherRegansoultherapist ปีที่แล้ว +1

    I’m interested in paper and pen and honestly I am kindof over washi and stickers and all of the extras. It actually (for me!) takes away from the planner and (for me) it became another to do and expense. I’m loving the simplicity!

    • @ayaplans
      @ayaplans  ปีที่แล้ว +1

      Love to hear that 🥰

  • @jamiesuedriscoll
    @jamiesuedriscoll ปีที่แล้ว +1

    I love this video!! Regarding your PWM videos I would love to see your planner inserts and things Cloth & Paper related to goals, budgeting, and ways you use your planner. I just subscribed to C&P myself and I am trying to be more intentional with my time. I personally love your videos and would love anything new that you share. Thx

    • @ayaplans
      @ayaplans  ปีที่แล้ว

      Thank you! 🥰

  • @Frugalityislife
    @Frugalityislife ปีที่แล้ว +1

    Hey 👋🏾 Girl, thanks for answering questions. It’s great to hear more about you and love that you are helping others ❤

    • @ayaplans
      @ayaplans  ปีที่แล้ว +1

      Hi! Thank you so much! 🥰

  • @jennyfromtheblock9484
    @jennyfromtheblock9484 ปีที่แล้ว +1

    i think you have a great system going
    my planner is in black and white also keep it coming i can't do all the high tec ipad-apps
    (i'm old fanshioned)
    that is so cute you do the cash stuffing for him
    keep up the good work
    i love the cash stuffing community

    • @ayaplans
      @ayaplans  ปีที่แล้ว

      Thanks so much 🥰

  • @EvelyneMariee
    @EvelyneMariee ปีที่แล้ว

    such perfect timing for me! I've been going back and forth with the best way to pay my bills without stressing me out! I was also looking into multiple bank accounts in addition to better organize myself! Great video!

    • @ayaplans
      @ayaplans  ปีที่แล้ว

      Thank you! Glad it was helpful 🥰

  • @Designedmindfullyco
    @Designedmindfullyco ปีที่แล้ว

    Thank you for answering! I'm going to look into the tripods you shared! Let us know if you decide on one and how it goes for you!

    • @ayaplans
      @ayaplans  ปีที่แล้ว

      I definitely will!

  • @ciaraantolin3918
    @ciaraantolin3918 ปีที่แล้ว

    Great video! I love reading too! The addicted series is on my tbr for sure :)

  • @KrnCrftn
    @KrnCrftn ปีที่แล้ว +1

    Girl, I think you may enjoy ‘hello from the Gillespies’ by Monica McInerny - it’s based on a family that send a mass email every year on how their previous year has been, then something happens and then it shows the POV of each family member involved and how the incident effected them.

    • @ayaplans
      @ayaplans  ปีที่แล้ว

      I will definitely be looking into that! Thanks for the rec 🥰

  • @BudgetsWithELMA
    @BudgetsWithELMA ปีที่แล้ว

    Happy Thursday! I really enjoyed your video 👑

    • @ayaplans
      @ayaplans  ปีที่แล้ว

      Thanks 🥰

  • @JANAA56357
    @JANAA56357 ปีที่แล้ว

    BIG YEEEEEES! to the plan with me videos🥰
    I don't care if its just pen and paper I love your style and aesthetic 😍🥰❤

    • @ayaplans
      @ayaplans  ปีที่แล้ว +1

      Okay! Thank you 🥰

  • @emmagrace7071
    @emmagrace7071 ปีที่แล้ว

    Love any of your videos so calming xx

    • @ayaplans
      @ayaplans  ปีที่แล้ว

      Thank you! 🥰

  • @Sarcasticplanner
    @Sarcasticplanner ปีที่แล้ว

    I’m just starting cash stuffing. So until I can get ahead of my bills by a paycheck or a month I take what bills are do during that pay week but before next pay I deduct that amount from my check then I pull the rest for cash stuffing. Right now it works but I’m still figuring these things out

  • @gracefilledfinances
    @gracefilledfinances ปีที่แล้ว

    Beautiful...
    Thanks for sharing 💕

  • @melissasandoval9961
    @melissasandoval9961 ปีที่แล้ว

    What’s the planner than you have? That would definitely be very useful Vs using my phone

    • @ayaplans
      @ayaplans  ปีที่แล้ว +1

      My inserts are from cloth and paper

  • @EmpoweredBudgets
    @EmpoweredBudgets ปีที่แล้ว

    This was a great video! You go girl!

    • @ayaplans
      @ayaplans  ปีที่แล้ว +1

      Thanks! 🥰

  • @HeatherRegansoultherapist
    @HeatherRegansoultherapist ปีที่แล้ว

    I was also wondering about the addicted series. I read so much and didn’t know if it would be too young for me. I’m a 40 (something 😂) mom. Think I would still like? I’m reading a mystery series right now. Have you read any Freida McFadyen or the Mindf*k series? So good!!!!

    • @ayaplans
      @ayaplans  ปีที่แล้ว +1

      I recommend the Addicted series to anyone ☺️ and no I haven’t!

    • @HeatherRegansoultherapist
      @HeatherRegansoultherapist ปีที่แล้ว

      @@ayaplans I am going to get it next!

  • @corinajohnson9043
    @corinajohnson9043 ปีที่แล้ว

    So you take out the necessary money out for Rent (as an example that is due next month) and then you put it back in your bank card before it’s due? Is that right?

    • @ayaplans
      @ayaplans  ปีที่แล้ว +1

      Yes. Here’s an example. On August 4th (payday) we stuffed a total of $590 into our rent envelope. On August 18th (our next payday) we will stuff $590 into rent. That equals $1,180 for rent. I will deposit that into the bank before the 1st of September and pay my rent online

    • @corinajohnson9043
      @corinajohnson9043 ปีที่แล้ว

      Oh okay! Thank you for this explanation. I just figured that out after watching that part again on your video here. I love your cash stuffing videos!

    • @ayaplans
      @ayaplans  ปีที่แล้ว +1

      @@corinajohnson9043 of course. Thank you!!

  • @bonfirebeautybudgets
    @bonfirebeautybudgets ปีที่แล้ว

    Where did you get all your binders? Envelopes from the aesthetic dollar?

    • @ayaplans
      @ayaplans  ปีที่แล้ว

      The binders I have are all linked in the description of my cash stuffing videos ☺️ and yes all envelopes are The Aesthetic Dollar

    • @bonfirebeautybudgets
      @bonfirebeautybudgets ปีที่แล้ว

      @@ayaplans love her envelopes.

  • @melissasandoval9961
    @melissasandoval9961 ปีที่แล้ว

    Another great video! 😀

    • @ayaplans
      @ayaplans  ปีที่แล้ว

      Thanks! ❤️

  • @Sarcasticplanner
    @Sarcasticplanner ปีที่แล้ว

    How do you budget ahead of time when certain bills are not due on the same day every month. Example my gas and electric due dates always change. My water bill is bimonthly

    • @ayaplans
      @ayaplans  ปีที่แล้ว

      Although your gas and electric always change, are they around normally the same date though? You should be getting notified ahead of time for when those bills will be due for the upcoming month

  • @She_has_got_it
    @She_has_got_it ปีที่แล้ว

    Lovely video ❤

    • @ayaplans
      @ayaplans  ปีที่แล้ว

      Thank you 🥰

  • @tracygreen3118
    @tracygreen3118 ปีที่แล้ว

    Planning videos yes please

    • @ayaplans
      @ayaplans  ปีที่แล้ว +1

      Alrighty!! ❤️

  • @HeatherRegansoultherapist
    @HeatherRegansoultherapist ปีที่แล้ว

    One more question 😂 what size is your planner? Half letter or A5?

    • @ayaplans
      @ayaplans  ปีที่แล้ว +1

      Half letter!

  • @corinajohnson9043
    @corinajohnson9043 ปีที่แล้ว

    So you put money back into your bank card to pay off your rent?

    • @ayaplans
      @ayaplans  ปีที่แล้ว

      Yes. I do a bill condensing with the money from my rent envelope then deposit it back into my checking account to pay my rent

  • @ybell5369
    @ybell5369 6 หลายเดือนก่อน

  • @kimteng_
    @kimteng_ ปีที่แล้ว

    💜💜💜

  • @jborrego2406
    @jborrego2406 ปีที่แล้ว

    Lol good job have your boyfriend go first I assume he pay most of it then you say we budget his paycheck then I budget my paycheck lol

    • @ayaplans
      @ayaplans  ปีที่แล้ว

      Yes! He makes more so I kind of rely on his paycheck first. I help with bills but it just always made sense to budget his first for some reason lol

  • @calmandcharming1599
    @calmandcharming1599 ปีที่แล้ว

    👋🏽💚👍🏽

  • @bossupbudgets
    @bossupbudgets ปีที่แล้ว

    I love your teller slip! 🩷 love the explanation!

  • @My2CrazyKiddos
    @My2CrazyKiddos ปีที่แล้ว +1

    🤍🤍🤍

  • @TheBudgetRN
    @TheBudgetRN ปีที่แล้ว

    This is so helpful and organized 🤍

    • @ayaplans
      @ayaplans  ปีที่แล้ว

      Thank you so much!! I was worried I was talking all over the place and didn’t want it to be confusing 😂❤️