I like the idea of going bill by bill to get a month ahead. Thanks for sharing these creative ideas. I’m always searching for ways to make saving more fun.
I would recommend putting all month ahead funds in a high yield savings account, drawing more intreat to you, than siting in a checking account, envelope or a regular savings account.
Sure- they could do that. I think of HYS for savings of 1-3 years that you aren’t planning on using. Any less- fluid money that you plan on using and would like accessible. Any more- invest it in more long term accounts. It’s all just a personal preference.
It’s such a great way to start. If nothing else has worked- I will always say that the cash method was what needed to happen. It shook things up and made us look at money as a tangible. We had been looking at it as a hypothetical and usually inaccurate number on a screen. I’d love to hear if you do begin using envelopes!
My husband retired a year ago…2 years earlier then originally planned. I had never budgeted before. I watched TH-cam videos to learn how to do it. I started the envelopes and cash budgeting. I can honestly say, we are in better shape financially now then before my husband retired. We are on track to pay off our house in 2 years. Once you start and see what kind of progress you are making, it’s the best thing ever! Good luck to you!🙂
It’s kismet. I was up in the middle of the night thinking how can I track month ahead. It’s like you were in my mind. Warning dangerous place to be..😂😂😂 but this is fre**kin’ genius ❤❤❤❤❤
Selling items online is one of my favorite things to do. I am currently selling as much as I can to help cover the cost of our family vacation for my brother's birthday. I have Sold stuff for years online to help reach goals. I know it can feel like a lot of work but it is worth it in the end!
Yes! I just sold something today for $90! I am constantly clearing out closets and drawers. I’m sure you’ll make it to your brother’s birthday! That will be so worth it! 🥳
Everytime I have had a minor emergency or a day I wanted to really treat myself, I have thanked God that I budget and save so that these things wouldn't send me for a tail spin and I don't fell guilty for treating myself!
Hi Jen, just wanted to tell you that the teller at my bank "LOVED" my teller slip that I purchased from you guys. She said - Where did you get that??? - and that's when your website and all that 2sisterbees does to help everyone get ahead, gushed out of my mouth. I sang your praises like bird!!! LOL - thank you SO MUCH! Hive, we really need to share 2sisterbees with everyone we know - it's just too good not to share.🐝🐝
Oh that is so cool!! My tellers love those slips, too! 😂 And thank you so much for letting me know that you find what I do helpful. That means A LOT! 💛
Thanks so much for this video! I ordered your PDF package as I’m in Canada. I am starting my budget binders in January and look forward to adding this in a separate binder❤
i’m a beginner ..I zero-based-budget and i stuff cash monthly .. and allot cash weekly in my wallet and every weekend i keep the leftover cash in my savings .. and it’s paying off my braces debt 😃
Thank you so much for your videos! You have helped me so much. The way you explain it makes more sense to me than other people’s videos. Also I used to live in port Saint Lucy
Oh I’m so glad that my content makes sense. It’s really hard sometimes to know if it’s coming across as intended so I appreciate that. 💛 And I love it here- I complain sometimes about how crazy people are but … there’s so many beautiful things about this place. ☀️
That will be my extra saving challenge beginning of January 2025. Thanks for sharing the method, I will do digital budget on a separate saving bank account.
I am saving now and paing all debt off each month with a minimum payment then making more on the debt every three months should be out of debt by end on 2025 or 2026
New subscriber…Love your videos minus the automated people and cartoons in between. I just started to track my spending this month, because I was like you and wanted to know what I was spending on every month and find that by writing it down, it helps you to think about each purchase. Plus I like to see the needs from the wants. I wish I did this years ago, it is very helpful to see what our money is being spent on. I agree with you and find it very helpful to do.👏 😂
Yes! My future DIL says the same thing. She started when she met my daughter and every week when they sit and do their envelopes - she says, “I can’t believe I’ve saved this much!” 😅
I have considered doing this for a long time, but i think you are the first person that I have seen explain how to accomplish this goal. I may have missed this point, but do you wait until until you have built the entire fund to begin using it or do you recommend that we begin using it when we acquire the first small amount? This was a great video. I am not sure I am prepared for all of the aspects. I know I need to re-watch the video, but I will send it to myself so that i can begin processing the information.
You want to just save up your monthly amounts for all of your bills, put that “name” on it so you don’t spend on anything else - and let it sit as an emergency fund. I hope that helps and makes sense. I hate text sometimes 💛
Love the concept. Though for me I get paid on the 15th and 30th..nothing wrong with paying certain bills on the 1st and 15th. If you have cash in savings that is not living check to check just budgeting by pay period instead of all on the 1st right?
I’ve been trying to figure out how to do this!! I get paid $200-300 a week and never know when a check is coming til it arrives. And it’s gone before I know it. It horrible. I’m self-employed. HELP!!! 😊
Is it worth getting a month ahead if we get paid semi monthly direct deposit on the 15th and last day of the month? Or just keep that buffer in savings or pay down debt and just budget paycheck by paycheck.
Just now found your channel 🎉 So glad that I did. Thank you for this valuable info . Love the step by step easy to follow way in which you present it all . And the scope in which you cover what we can do to achieve these financial goals !! I'm now a subscriber !! and sharing with loved ones 🎉
@ I’m curious. What is the turn around time on submitting for your budget review? I’m thinking about it! Does everyone get a video? Is there a private option?
Where would you fit this in if you were following the baby steps and are currently on BS2? At the same time as working on debt payoff or wait until debt free?
This is a great question and you’ll probably be not so happy to know that I actually filmed myself answering this exact question but I cut it out. 😭 And the reason I cut it - is this. I, personally, would do it in between baby step 1 and 2. Just to give myself that extra cushion before venturing into debt. But then again , I had 300k worth. Someone who has 5k in debt- or even 15k … might want to just get it paid because mathematically, they would be saving on the interest. I think it’s up to the situation and how the person feels about it.
Great minds think alike I guess! I understand exactly what you are saying.. I was kind of thinking that it may be a good idea to do it while working on BS2 since you truly never know what can happen! Thanks for the great advice, you are making a difference!
No. To initially save (insert your monthly amount needed here ) I suggest keeping it separate in a different account. Once you have the FULL monthly amount and you are officially one month ahead - move that money to whatever account you pay bills from. From there, you need to maintain your “bills only account” by adding x amount of dollars each pay period. If you do that, you will always have your bill money ready to go on the 1st of each month.
You wouldn’t need to buy the packet - it’s not required. You just follow the steps in the video. The guide is just that… a guide. You can absolutely just do the steps that I talk about and use a notebook to track things. I make these guides to HELP people that have a hard time getting organized with their thoughts.
Good morning Jenn. I have a question. Would you start a month ahead if you still have debt? I have my emergency fund but still have some debt. Thank you so much.💙
I actually just answered this for someone else. Great question! Here is my response : This is a great question and you’ll probably be not so happy to know that I actually filmed myself answering this exact question but I cut it out. 😭 And the reason I cut it - is this. I, personally, would do it in between baby step 1 and 2. Just to give myself that extra cushion before venturing into debt. But then again , I had 300k worth. Someone who has 5k in debt- or even 15k … might want to just get it paid because mathematically, they would be saving on the interest. I think it’s up to the situation and how the person feels about it.
@2SisterBees Thank you. I appreciate it. I'm am thinking maybe just put a little bit into my month ahead but really focus on bebt. Hope you are having an amazing weekend. God Bless.💙
I think that sounds like a good idea. I think that, in the end, If you are saving- you are doing the right thing. If the $ goes where you intended - that’s great. If not- that’s great, too! You still had it! 💛 I am having a great weekend! I have gotten a lot of work done and Jason comes home today! He’s been in Texas all week visiting our grandbaby! ❤️❤️❤️ I hope you are enjoying your Sunday, as well! God bless you. ❤️
I use a separate account (auto withdrawal) not linked to my checking or saving app at the same bank. If I have to go to the bank, it makes me feel bad, and I have time to talk myself out of buying things. 😅😂😅 I'm weak don't judge me.
I have to admit I am totally confused. After you put away the $8 for Netflix you started to bring out tracker sheets etc. and items to buy and you lost me. I'm 76 living solely on social security and food stamps. Help! Do I save a small amount toward the large balance each month OR one small bill at a time??? Sorry for not catching on quickly.
Your video says that the month ahead planner is linked below I have searched everywhere and I cannot find that link. How can I get that month ahead planner
This is a great video to watch, specially this month ❤ I would love to start a month ahead or 2 for January and February. I work at Amazon and we will be on peak season before I know it. I work 4 days a week 10 hours day 40 hours a week. But on peak season we are going on overtime our 40 hours and plus 20 overtime working 6 days all season long until after Christmas. My overtime extra money I can get it done or pay my debt idk please help. Ps I also need emergency fund.
Id say with your OT money do both! split it either in half for debt & EF, that EF is so important. Once you have the EF, Ramsey says to put everything to debt. But you can continue to split the ot pay til you are one month ahead than keep going on debt.
Hi Ana! That’s awesome that you have OT coming up! 🤩 Step 1: put $1k aside for emergencies Step 2: start paying off debt, smallest amount to largest amount. If you fall off the wagon or have an emergency come up that clears out your $1k. Pause. Start over! Just don’t quit! To make it go faster, no spending on non essential items. You can do this!
Thank you so much for this! You explain things so clearly and I have NEEDED to budget all my life lol Many getting on track and falling off from overwhelm times eradicated Thank you for your videos! New Sub! ❤
I’m so glad you are here! 💛 The thing with budgeting is- you have to kind of make it, “a thing”. Like a date night. Get a drink and sit somewhere comfy. Have everything ready to look over and just take your time. You can do this! 👏🤩
Why wouldn't you just budget what it cost to live for one month on your bills and leave that amount in your savings for an emergency? Why transfer each month?
You could work less by cutting expenses like Netflix. Also do not borrow which Americans can’t imagine but possible. This is not changing the behaviour. My husband and I do not borrow money. Especially important if you’re heading to retirement. You better have your house and cars paid off or you wont make it.
This makes absolutely no sense unless you have a second form of income. I bring home 6k per momth and my bills equate to that so tell me how on earth sm I putting an extra amount in savings! This sounds great in theory but not reality
And you are correct. If you are not spending ANY money on anything but bills and groceries yet you find yourself still living paycheck to paycheck- it is a definite income problem. You would need to add more with a 2nd job. These things discussed in the video are not “theory”. They are actual ways to cut spending and/or bring in more income. I have done all of them and I am now debt free. Facts. 👏💛🐝
@2SisterBees As I said, it sounds good in theory. You said you and your husband did this together sweetheart. You did not do this strategy by yourself that's the point I'm making! If I could take my 6k and pay ahead my bills that would be awesome but that is not logical!
OK hearing you brag about your financial work with all and the fact that you have a spouse is so discouraging... I was feeling hopeful before watching your video. . It really does drag people down to hear about your pain down $300,000 when we can't even find a way to spend $4 for self-raising flour.. Besides not having a spouse some people are disabled and cannot work not disabled enough to get benefits just not physically able to sit or stand for more than 15 minutes.
Hmmm.. I’m very confused by your comment here today. I happened to be on another YT’ers video and I saw where you say that you have 5 different accounts and 3 of them are HYS accounts. Also, you mentioned that you always keep “cash on hand”. For someone who is disabled and can’t buy a $4 bag of flour - you seem like you’re doing ok on other channel’s comments - just not mine. I find that interesting and it leaves me to wonder what your end goal was here. To make me feel bad? To discourage me? I mean, you went as far as to accuse me of “bragging”. I’m just trying to help others. I wonder what your day consists of ? 🤷♀️
Stop whining and look at any possibility to get ahead. Everyone is in a different place. Don’t get mad at people who don’t want to get in your mud hole!
🍀Month Ahead Guide : creatoriq.cc/3UHChqy
I’m currently working on this I can’t wait to be debt free 🙏🏾🙏🏾🙏🏾
Yay! You will do it! I’m excited for you! 💛
@ thank u
Me either. One step at a time. It will get easier. I am saying this for myself too. We have got this!
I like the idea of going bill by bill to get a month ahead. Thanks for sharing these creative ideas. I’m always searching for ways to make saving more fun.
I would recommend putting all month ahead funds in a high yield savings account, drawing more intreat to you, than siting in a checking account, envelope or a regular savings account.
Sure- they could do that. I think of HYS for savings of 1-3 years that you aren’t planning on using. Any less- fluid money that you plan on using and would like accessible.
Any more- invest it in more long term accounts.
It’s all just a personal preference.
I love budgeting. A budget brings so much peace.
No doubt about it!
Thanks so much for the budgeting advice! My husband started reading Dave Ramsey's book and he is now open to the envelope method. Feeling Hopeful!
It’s such a great way to start. If nothing else has worked- I will always say that the cash method was what needed to happen. It shook things up and made us look at money as a tangible.
We had been looking at it as a hypothetical and usually inaccurate number on a screen.
I’d love to hear if you do begin using envelopes!
My husband retired a year ago…2 years earlier then originally planned.
I had never budgeted before. I watched TH-cam videos to learn how to do it. I started the envelopes and cash budgeting.
I can honestly say, we are in better shape financially now then before my husband retired. We are on track to pay off our house in 2 years.
Once you start and see what kind of progress you are making, it’s the best thing ever! Good luck to you!🙂
Awesome
It’s kismet. I was up in the middle of the night thinking how can I track month ahead. It’s like you were in my mind. Warning dangerous place to be..😂😂😂 but this is fre**kin’ genius ❤❤❤❤❤
Ha!! That’s awesome!!!! 👏
Selling items online is one of my favorite things to do. I am currently selling as much as I can to help cover the cost of our family vacation for my brother's birthday. I have Sold stuff for years online to help reach goals. I know it can feel like a lot of work but it is worth it in the end!
Yes! I just sold something today for $90! I am constantly clearing out closets and drawers. I’m sure you’ll make it to your brother’s birthday! That will be so worth it! 🥳
Selling never helps me. Nothing really sales.
I’m thankful I found your videos today! I appreciate all your hard work putting together this project!
I hope it helps you or someone you know 💛
Everytime I have had a minor emergency or a day I wanted to really treat myself, I have thanked God that I budget and save so that these things wouldn't send me for a tail spin and I don't fell guilty for treating myself!
Note, use Cash method if receiving benefits!!! Cus they think you don't need help if saving
We've been debt free (other than our mortgage)since 2012. That being said, we recognize that we need a better budgeting plan. Tysm for what you do!
Thank you for watching! 💛
Hi Jen, just wanted to tell you that the teller at my bank "LOVED" my teller slip that I purchased from you guys. She said - Where did you get that??? - and that's when your website and all that 2sisterbees does to help everyone get ahead, gushed out of my mouth. I sang your praises like bird!!! LOL - thank you SO MUCH! Hive, we really need to share 2sisterbees with everyone we know - it's just too good not to share.🐝🐝
Oh that is so cool!! My tellers love those slips, too! 😂
And thank you so much for letting me know that you find what I do helpful. That means A LOT! 💛
I would like to get month ahead. I need to move out my apartment. I picked an extra job on Saturday’s. Thanks for the video 🎉
That’s so awesome! I love when I hear someone say- I want to do this… and here’s my solution! 👏
Just because there is an ‘s’ it doesn’t automatically require an apostrophe
I learn so much everytime i watch your videos. Thank you. You inspro3d me to budget and I'm saving for my 1K emergency fund.
I love to hear it! Yes! 👏
Thanks so much for this video! I ordered your PDF package as I’m in Canada. I am starting my budget binders in January and look forward to adding this in a separate binder❤
I didn't know I coud buy a pack of budget sheets. Thank you.
Did you see all the items in Ko-fi?
I have a lot of free stuff here :
ko-fi.com/twosisterbees/shop
This is such great advice. Thanks Jenn
Thank you I needed this peptalk cause I’ve got the money to save. It’s just putting it in the right place at the right time.
Yes! That’s the important part, right? My husband always says , he knows how to make the money, he just doesn’t know what to do with it. 😂😂
i’m a beginner ..I zero-based-budget and i stuff cash monthly .. and allot cash weekly in my wallet and every weekend i keep the leftover cash in my savings .. and it’s paying off my braces debt 😃
Thank you so much for your videos! You have helped me so much. The way you explain it makes more sense to me than other people’s videos.
Also I used to live in port Saint Lucy
Oh I’m so glad that my content makes sense.
It’s really hard sometimes to know if it’s coming across as intended so I appreciate that. 💛
And I love it here- I complain sometimes about how crazy people are but … there’s so many beautiful things about this place. ☀️
Morning Jen 🧡 wonderful advice 😊 I am currently one mine ahead & it’s life changing 🥰 fab video lots of love xx🧡🍂🍄🦊
Oh thank you so much!! 💛💛💛
And yes, it is a great feeling when the “Money Wins” start to pile up! 👏
New year, new me. 💰 So happy I found this channel!
Glad you are here! 💛
This is actually a life saver !!!!
Oh, I cannot wait to watch the biweekly budget video! Thank you!
That will be my extra saving challenge beginning of January 2025. Thanks for sharing the method, I will do digital budget on a separate saving bank account.
I am saving now and paing all debt off each month with a minimum payment then making more on the debt every three months should be out of debt by end on 2025 or 2026
Yes me too good luck
Thank you for inspiring me to take action and put my budgeting plans into practice!
New subscriber…Love your videos minus the automated people and cartoons in between.
I just started to track my spending this month, because I was like you and wanted to know what I was spending on every month and find that by writing it down, it helps you to think about each purchase. Plus I like to see the needs from the wants. I wish I did this years ago, it is very helpful to see what our money is being spent on. I agree with you and find it very helpful to do.👏
😂
I have been doing this and opened an account labeled “Budget” for extra expenses that are often annual spending. 😊
That's a great idea. I'm going to copy that! Thank you 😊
Happy Friday Jen
I do cash stuffings and savings challenges. I have saved more than I ever thought I could.
Yes! My future DIL says the same thing. She started when she met my daughter and every week when they sit and do their envelopes - she says, “I can’t believe I’ve saved this much!” 😅
Ive been waiting you for a bit but never knew what you looked like haha youre so pretty!!!! thank you for all the helpful information!!
Thank you! 💛
I have considered doing this for a long time, but i think you are the first person that I have seen explain how to accomplish this goal. I may have missed this point, but do you wait until until you have built the entire fund to begin using it or do you recommend that we begin using it when we acquire the first small amount? This was a great video. I am not sure I am prepared for all of the aspects. I know I need to re-watch the video, but I will send it to myself so that i can begin processing the information.
You want to just save up your monthly amounts for all of your bills, put that “name” on it so you don’t spend on anything else - and let it sit as an emergency fund.
I hope that helps and makes sense. I hate text sometimes 💛
Ty so much for this video. I'm a new subscriber! ❤
Welcome!! I am so glad you are here! 💛
I so love cash envelope system
Your videos are so super helpful! Thank you!
Love the concept. Though for me I get paid on the 15th and 30th..nothing wrong with paying certain bills on the 1st and 15th. If you have cash in savings that is not living check to check just budgeting by pay period instead of all on the 1st right?
Great information thank you so much
Great video! Love this. Been trying to start for months. Life keeps lifing. Ugh
I had a goal to get my checking really high. So if anything comes in. I can just pay it.
This is lovely, very creative 👏
Thank you! Cheers! 💛
I’ve been trying to figure out how to do this!! I get paid $200-300 a week and never know when a check is coming til it arrives. And it’s gone before I know it. It horrible. I’m self-employed. HELP!!! 😊
Can/how will it work on once a month pay, retirement?
Love all the advice you give us ❤❤❤
💛
How do you get the printed worksheets/workbooks
Such a helpful and wonderful video! Thank you for helping people get out of debt and save! Happy Friday! 💖🤗
Back at ya, Miss! We can get everyone out of the credit card trap- we just gotta keep at it! 👏
@ 🤗🙌
Is it worth getting a month ahead if we get paid semi monthly direct deposit on the 15th and last day of the month? Or just keep that buffer in savings or pay down debt and just budget paycheck by paycheck.
Great video! I always learn something new and different to try when I listen. Thank you!
Hi! This is probably my most favorite video! ❤ Thank you for sharing.
Oh wow! Thank you!!! 💛
Just now found your channel 🎉 So glad that I did. Thank you for this valuable info . Love the step by step easy to follow way in which you present it all . And the scope in which you cover what we can do to achieve these financial goals !! I'm now a subscriber !! and sharing with loved ones 🎉
Awesome! Glad to have you! And I’m so happy to hear that you find the info useful! 🤩
Do you have a video that explains the color coding on the 2024 calendar at 18:04 or can you let me know in your response here? Thanks. Great program.
I think you mean my No Spend annual calendar.
Green means I did not spend on anything unplanned or not previously budgeted for.
Red is impulse buys.
New subscriber!
Love the New- Bees!! 🐝
Welcome to The Hive! 🤩
@ I’m curious. What is the turn around time on submitting for your budget review? I’m thinking about it! Does everyone get a video? Is there a private option?
I really appreciate this video.. it helped a lot. Thank you
I am so happy to hear that ! 💛💛💛
❤ good morning how are you doing today ❤
I'm on 6 month EF goal now! Working on month one just like this! QQ-what are we doing w baby EF we already have? (Mine is up to over 2k at this time)
At this point, that should just be rolled into your 6 month fund. Mine is. 💛
Thank you. Jenn 😊this was helpful to Me are you going to help another person out soon sharing there story
Oh yes! I have a stack!
And I have been honing in one particular story. BOLO! 👀
Where would you fit this in if you were following the baby steps and are currently on BS2? At the same time as working on debt payoff or wait until debt free?
This is a great question and you’ll probably be not so happy to know that I actually filmed myself answering this exact question but I cut it out. 😭
And the reason I cut it - is this. I, personally, would do it in between baby step 1 and 2. Just to give myself that extra cushion before venturing into debt. But then again , I had 300k worth.
Someone who has 5k in debt- or even 15k … might want to just get it paid because mathematically, they would be saving on the interest.
I think it’s up to the situation and how the person feels about it.
Great minds think alike I guess! I understand exactly what you are saying.. I was kind of thinking that it may be a good idea to do it while working on BS2 since you truly never know what can happen! Thanks for the great advice, you are making a difference!
So does this mean you are always moving money to savings and always moving it back out?
No. To initially save (insert your monthly amount needed here ) I suggest keeping it separate in a different account.
Once you have the FULL monthly amount and you are officially one month ahead - move that money to whatever account you pay bills from.
From there, you need to maintain your “bills only account” by adding x amount of dollars each pay period.
If you do that, you will always have your bill money ready to go on the 1st of each month.
DO YOU HAVE ANY VIDEOS ON GROCERY SHOPPING?
I do! 🥑🍎
th-cam.com/video/TkN85vHekhc/w-d-xo.htmlsi=wI80V-hY-R_D81np
@@2SisterBees great thank you
Love this idea. How do I print pages?
Hello - just saw your comment : jennabeesaves.etsy.com/listing/1821840221
What about having the cash on hand, but using your credit card?
how can i start without buying your system right away, thank you!
You wouldn’t need to buy the packet - it’s not required. You just follow the steps in the video.
The guide is just that… a guide. You can absolutely just do the steps that I talk about and use a notebook to track things.
I make these guides to HELP people that have a hard time getting organized with their thoughts.
Good morning Jenn. I have a question. Would you start a month ahead if you still have debt? I have my emergency fund but still have some debt. Thank you so much.💙
I actually just answered this for someone else. Great question!
Here is my response :
This is a great question and you’ll probably be not so happy to know that I actually filmed myself answering this exact question but I cut it out. 😭
And the reason I cut it - is this. I, personally, would do it in between baby step 1 and 2. Just to give myself that extra cushion before venturing into debt. But then again , I had 300k worth.
Someone who has 5k in debt- or even 15k … might want to just get it paid because mathematically, they would be saving on the interest.
I think it’s up to the situation and how the person feels about it.
@2SisterBees Thank you. I appreciate it. I'm am thinking maybe just put a little bit into my month ahead but really focus on bebt. Hope you are having an amazing weekend. God Bless.💙
I think that sounds like a good idea. I think that, in the end,
If you are saving- you are doing the right thing. If the $ goes where you intended - that’s great.
If not- that’s great, too! You still had it! 💛
I am having a great weekend! I have gotten a lot of work done and Jason comes home today! He’s been in Texas all week visiting our grandbaby! ❤️❤️❤️
I hope you are enjoying your Sunday, as well! God bless you. ❤️
I use a separate account (auto withdrawal) not linked to my checking or saving app at the same bank. If I have to go to the bank, it makes me feel bad, and I have time to talk myself out of buying things. 😅😂😅 I'm weak don't judge me.
Ha! You win comments today! 🤩🥳
I pay ahead on my electric bill all the time
My weekly income fluctuates widely as does anyone selling full time on ebay and other platforms. What can we do?
Step 1 is to have a budget.
th-cam.com/video/M7ucIl9MGs0/w-d-xo.htmlsi=Shyi-UZsFwyJ-GvD
I have an extra pay in Jan what would you recommend I do with it
This is the plan that I follow-
Start at 1 and keep going with any extra $ you can make.
www.ramseysolutions.com/dave-ramsey-7-baby-steps
Do you have one for if you only get paid once a month?
Hi there- I’m not sure what you are asking.
Do you mean a budget sheet ? Let me know and I will try to help. 💛
Hi my fellow Jenn ❤
Good morning Jenn! 💛☀️
Where do you get the packet at? I’d like to have one.
I just saw your comment- sorry for delay : jennabeesaves.etsy.com/listing/1821840221
I have to admit I am totally confused. After you put away the $8 for Netflix you started to bring out tracker sheets etc. and items to buy and you lost me. I'm 76 living solely on social security and food stamps. Help! Do I save a small amount toward the large balance each month OR one small bill at a time??? Sorry for not catching on quickly.
Yes-
You start by making a list of all of your bills - smallest amount to largest amount.
And then save- the smallest one first and so on.
Good Morning, great video. Just a couple of bucks a week can get you there.
Your video says that the month ahead planner is linked below I have searched everywhere and I cannot find that link. How can I get that month ahead planner
Sorry you looked all over for it!
Here is the link :
www.etsy.com/listing/1821840221/
What if .. i save for the month ahead little by little .. but still have to pay every month .. won’t that double the expense?
Yes- which is why the video is giving you 8 ways to make MORE income than normal so you can save and get ahead. 💛
Makes it seem less intimidating for sure
Hi friend 😊 here listening and supporting
I will be back to add comments
Hello! Thanks so much for always watching! ☀️
This is a great video to watch, specially this month ❤ I would love to start a month ahead or 2 for January and February. I work at Amazon and we will be on peak season before I know it. I work 4 days a week 10 hours day 40 hours a week. But on peak season we are going on overtime our 40 hours and plus 20 overtime working 6 days all season long until after Christmas. My overtime extra money I can get it done or pay my debt idk please help. Ps I also need emergency fund.
Id say with your OT money do both! split it either in half for debt & EF, that EF is so important. Once you have the EF, Ramsey says to put everything to debt. But you can continue to split the ot pay til you are one month ahead than keep going on debt.
@@thevictoriagooginhow do I start by sending an email about my budget!? I seen videos already and I like that.
@@anathebudgetfriendly5963yes, email her or check her description from previous videos she has the details there with link for the form to fill.
Hi Ana! That’s awesome that you have OT coming up! 🤩
Step 1: put $1k aside for emergencies
Step 2: start paying off debt, smallest amount to largest amount.
If you fall off the wagon or have an emergency come up that clears out your $1k. Pause. Start over!
Just don’t quit!
To make it go faster, no spending on non essential items. You can do this!
Thank you so much for this! You explain things so clearly and I have NEEDED to budget all my life lol
Many getting on track and falling off from overwhelm times eradicated
Thank you for your videos! New Sub! ❤
I’m so glad you are here! 💛
The thing with budgeting is- you have to kind of make it, “a thing”.
Like a date night. Get a drink and sit somewhere comfy. Have everything ready to look over and just take your time.
You can do this! 👏🤩
The "no spend challenge" is kind of impossible with kids :)
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Oh, that is a good way to trick yourself into saving
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Why wouldn't you just budget what it cost to live for one month on your bills and leave that amount in your savings for an emergency? Why transfer each month?
A month ahead on bills? People should have an emergency fund that can pay all their monthly expenses for at least 6 months.
Right. This is a step towards that.
Great video!🩷❤️🩷❤️
Thank you! 🐝
You could work less by cutting expenses like Netflix. Also do not borrow which Americans can’t imagine but possible. This is not changing the behaviour. My husband and I do not borrow money. Especially important if you’re heading to retirement. You better have your house and cars paid off or you wont make it.
This makes absolutely no sense unless you have a second form of income. I bring home 6k per momth and my bills equate to that so tell me how on earth sm I putting an extra amount in savings! This sounds great in theory but not reality
And you are correct. If you are not spending ANY money on anything but bills and groceries yet you find yourself still living paycheck to paycheck- it is a definite income problem. You would need to add more with a 2nd job.
These things discussed in the video are not “theory”.
They are actual ways to cut spending and/or bring in more income. I have done all of them and I am now debt free.
Facts. 👏💛🐝
@2SisterBees As I said, it sounds good in theory. You said you and your husband did this together sweetheart. You did not do this strategy by yourself that's the point I'm making! If I could take my 6k and pay ahead my bills that would be awesome but that is not logical!
If that’s how you feel and think - that will always be your reality.
OK hearing you brag about your financial work with all and the fact that you have a spouse is so discouraging... I was feeling hopeful before watching your video. . It really does drag people down to hear about your pain down $300,000 when we can't even find a way to spend $4 for self-raising flour.. Besides not having a spouse some people are disabled and cannot work not disabled enough to get benefits just not physically able to sit or stand for more than 15 minutes.
Hmmm.. I’m very confused by your comment here today.
I happened to be on another YT’ers video and I saw where you say that you have 5 different accounts and 3 of them are HYS accounts. Also, you mentioned that you always keep “cash on hand”.
For someone who is disabled and can’t buy a $4 bag of flour - you seem like you’re doing ok on other channel’s comments - just not mine. I find that interesting and it leaves me to wonder what your end goal was here.
To make me feel bad?
To discourage me?
I mean, you went as far as to accuse me of “bragging”.
I’m just trying to help others. I wonder what your day consists of ? 🤷♀️
Stop whining and look at any possibility to get ahead. Everyone is in a different place. Don’t get mad at people who don’t want to get in your mud hole!
Bragging about financial work?!? This is literally what her channel is about. Showing how she got out of debt.
Keep making excuses.
Thank you for this video and all your help and advice!!🩷💚
You are so welcome! 💛