Cash stuffing on a tight budget
ฝัง
- เผยแพร่เมื่อ 3 ต.ค. 2024
- Tena koe e hoa. You're welcome here!
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Where'd I get that?
Vintage Dog scratch off @EllieOnEarth
Trackers, Mini Book of Savings Challenges and clear Celebrations Budget Binder: www.buymeacoff...
Madeline Budgets @MadelineBudgets (Christmas and Birthday challenges in the celebrations binder)
FREEBIES, DOWNLOADS AND MEMBERSHIPS -
I deeply appreciate everyone who found it in their budget to support my small business, kia ora! All my stuffs and membership for loads of freebies can be accessed here:
www.buymeacoff...
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WHAT IS CASH STUFFING ANYWAY?
In a nutshell #cashstuffing is a form of #budgeting where you pay for everything in cash - no swiping, no consumer debt. It's a flexible system - you decide which parts of your budget you want to use cash.
I still pay my fixed expenses on automatic payment, it's cheaper and easier for me. I do take out and use cash each week for everything else. This has allowed me to challenge myself to have money left over at the end of every week that I can put towards saving. I have a small set of goals I'm working toward, that will give me a sense of peace and abundance. It's not easy on a low income, but it is so worth it!
I am not a professional registered to give financial advice - this is just a real and raw look at how I budget my money, I'm sharing it because talking about money, especially when you don't have a lot can be whakamā (embarrassing) even in families. Please seek your own advice to fit your situation.
I’m loving the idea of quarterly goals! Going to work on that this weeekend! Thanks and have a fabulous Matariki weekend
Happy Matariki to you and the kids!
2 years tomorrow since my mum's passing so going to have a full on comfort day with hubby and teen son and just be really kind to myself and mental health!
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Nice vid Nin, I look forward to the next one. Have a lovely Matariki long weekend ❤
Kia ora Nin.
I Binged watched all your videos in a couple months when I was pregnant 15 months ago.
My first video since then and I have so missed this! IDK what happened to me watching.
I have finally purchased myself a budget binder.
Can you please tell what the difference between a sinking and revolving fund is?
Ngā mihi
Kia ora wahine - I'm so sorry I've taken this long to reply to you personally. Hopefully you've figured the sinking funds/revolving funds thing -0 but basically sinking funds are the ones which in my mind have to be paid but aren't a regular monthly bill like power - they tend to be big bills that it would hurt if I had to pay it out of one or two pays. Think of vehicle rego or Christmas. My revolving funds are more like clothes and vitamins and activities with the kids - important for living a good life, and quite frequently spent but if you had to you could cut back or go without for a few weeks. I think everyone comes to find their groove with how much to put in the catergories as they go. If I had one bit of advice it would be to start with sinking funds for yearly expenses you know are coming up - and a few general categories for revolving like clothes and you'll find over time whether that reflects how you spend your money - what to add or take away. I hope that helps a bit.