How to Start Cash Stuffing | How to Start Zero Based Budgeting | Cash Envelope System for Beginners
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- เผยแพร่เมื่อ 12 มิ.ย. 2024
- Hey guys! Today we are breaking down the Cash Stuffing and Zero Based Budgeting methods. We will go into detail about what both of those are and why they work so well together. We'll be talking about fixed expenses, variable expenses, sinking funds, savings challenges, and more! We will work through a mock budget together- all to give you a better understanding of how to take control of your finances and FINALLY get your money to start working for YOU! Let's get started!!
Welcome to A Little of it All!
This channel is all about fun and our cash stuffing/zero based budgeting system! My name is Taylor and here you will find videos about budgeting, cash stuffing, and the supplies I use to help me. Just don't be surprised if you see a video pop up every once in a while about cooking or candle making or travel or makeup! Because I do love a little of it all.
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Sparkly Green Zipper Binder:
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Clear Binder with Mint Green Rings:
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#cashenvelopes #sinkingfunds #budgetingforbeginners #cashenvelopesystem #cashstuffing #savingschallenges #cashenvelopestuffing #zerobasedbudget #budgetmom #cashstuffingsystem #2024budget #2024budgetsetup #daveramseyinspired #beginnerfriendly #thebudgetmom
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So glad you’re here! I have faith in you and know you are going to take charge of your finances in 2024!! I hope this video helps in that process. You’ve got this! 🎉
Thank you, yes all of them are helping. The one thing is I only get paid once a month and that is hard.
I just began cash stuffing and I already have 1/3rd of my FEBRUARY rent covered, it feels strange being this far ahead on rent already bc usually I'm paying it all with one paycheck! it definitely helps and I can't wait to see what else I accomplish in 2024 with my cash stuffing journey.
Friend that is incredible!! Congrats on this accomplishment and all the ones you will see in 2024!! Isn’t cash stuffing just the best?! You’ve got this!! 👏🏼🎉👏🏼
When I was married in 1983, I was recommended a book to read by Larry Burkett. This is where I learned about using the envelope system for financial freedom. While in college I incorporated the knowledge from his book into speeches for my speech class. My professor was impressed that I knew so much about finances at such a young age. I received an A in my class. I am still using the envelope system today. Thank you for a great video. You show how saving money can be fun!
Hey friend! I love this story so much! thank you for sharing it with me! Love that you are still using this system! It is just awesome isn't it?! And can be used with any income!! thank you so much for watching and commenting! I really appreciate you! 💚
I started cash budgeting in January and have 600 saved already for different “sinking funds” for throughout the year I will need. As a single mom this has good for me and shows how much frivolous overspending I was doing.
Friend! That is INCREDIBLE!! I am so excited for you!! Keep it up! Totally cheering you on over here! 💚
Love all of the definitions that are lamens terms for EVERYONE! Motivating and I’m excited to actually follow through. And as a native Texan, your accent is just an added charm to watching/listening. Would love to learn more about your favorite sinking funds.
Omg thank you for saying that! I did try so hard to explain it so even if people knew nothing about budgeting- they would get it! SO glad this helped you! Oh this makes me so happy!! You are so so sweet! thank you for being so kind and encouraging. Oh that would be a great idea! I will def add this to the list! 💚
Thank you so much for this!! I’ve watched so many cash stuffing videos and have been so overwhelmed & after watching this I feel more confident and definitely have a better understanding so thank you!!
Omg Allie! This was such a kind comment! I am SO glad this helped!! I hope you give it a shot! Absolutely one of our best decisions!! 💚
I have watched many budgeting, and envelope stuffing videos, Recently, this was by far the best video I have watched. It can be so overwhelming to start with, but you reassured me that I can do this. Thank you for the information.
Oh Kathy!!! Thank you so much! This comment means SO MUCH to me bc I did try so hard to make sure I explained everything right and easy! YES YOU CAN! Listen. If we can do it- you ABSOLUTELY can! It is one of the best decisions we have ever made! Thank you for watching! I am cheering you on!
Ive been trying both of these methods since August and its been helping soo much! Im trying to work in the savings challenges next to help keep things a bit more fun 🤩
Oh yayyyy!!! I am so glad! Isn’t it the best?! It totally changed our lives!! Yesss savings challenges do make it SO fun! So glad you’re getting to add those in! You’re doing great things, my friend! 💚
this is going to help out everyone trying to start the cash stuffing method sooo much ! great job explaining everything , you really do make it look easy 💜
Oh my goodness that just meant the world to me! Thank you for saying that! If it can just help anyone, I’ll be so glad! Thank you for watching!! 💚💚
Hey girl. Great video. I've been doing this for a few months, but this was a amazing refresh. Your voice keeps me focused❤
Andy! Hey friend!! Oh thank you for saying that! I tried so hard to make this easy to understand but also fun and engaging! You are so kind and encouraging!! Thank you for watching and being here! I hope 2024 is amazing for you and your family! 💚
Hi Taylor! Happy New Year to you! So excited to have a few minutes to catch up with you! Love this break down!!
Marlene!! Hey friend!! Thank you so much for watching!! I hope you have a great 2024!! 💚😍
This is the best breakdown I have come across. I think I’m ready to start budgeting and cash stuffing! Thank you! ❤
Omg yayayayayyy! So excited for you! You won’t regret this! Thank you so much for watching!! So thankful it helped! 💚💚
Thank you! Very well explained! My favorite start budgeting video.
Oh my goodness thank you so much for saying that! I tried very hard to explain it well so I really appreciate that! Thank you for watching! 💚
Happy New Year!! Thank you so much for this video it helped calm my mind and rethink what was important for me to make envelopes for and refocus my plan for this year. ❤
Nessa! Happy New Year, friend!! Thank *you* so much for watching and being so sweet! I really appreciate your words more than you know!! I’m so so glad this video helped! This was my goal when making it- just to simply as much as possible and keep a focus on what is important and to not overdo it! You’ve got this, my dear! You’re going to kill it in 2024!! 💚🎉
this is the best video i have watched on how to start a budget !!
Emily! I appreciate you saying that so so much! I did try so hard with this so I am so grateful to you for saying that! Thank you for watching! 💚💚
Great job in explaining the systems to help budget. Love the visuals with the explanation
Lisa! Thank you so much, friend! I appreciate you saying that!! 💚
Hi Taylor!! Happy new year 🎉🎉 very detailed and helpful video, yes tracking expenses is important
Debbie!! Hey friend!! Thank you so much for saying that!! I tried to make this as detailed and helpful as possible!! I appreciate you watching! 💚
THE BEST BUDGET VIDEO I HAVE WATCHED. I am hoping to get started now. TFS
Sheila!! Thank you for saying that, my friend! I really really appreciate that! You’ve totally got this! 2024 is going to be your year!! 💚🎉
Thank you for this in depth explanation of how to budget. I've been budgeting for about 5 years and I learned something. I seems that teaching is nature for you.
Oh you are welcome!! Thank you for watching! Oh that means so much! I know you have budgeting down, so I appreciate you watching this! Ahhh yes! that high school teacher always comes out in me ahahah! 💚
Great video friend! So many helpful tips💙 This will definitely help a lot of people get started! Love y’all success story 💙
Thank you, love! I really wanted to explain it throughly so I appreciate you saying that! Thank you for celebrating with us! 💚🥹
Excellent, excellent in depth video. I have been using the methods mentioned for a couple years now, and was asked to teach my mom this method. I could not have done a better job. I have not found a more comprehensive, easy to follow video anywhere else. Great job!
OMGGG Kalista! You just made my DAY!! When i tell you i spent days and days prepping this video 🤣 i just wanted it to be right and perfect and not to confuse anyone. So a million thanks to you for saying that! Isn't this way of budgeting the BEST?! Your mom is going to nail it! good luck to her!! 💚
@@alittleofitall_ your efforts in prepping it are obvious in the quality. I literally had nothing to add or explain further when teaching her.
(Also, I never, ever, ever comment, so this truly does mean something.)
Here watching and supporting my friend I really enjoyed this video and loved how much I learned you did amazing
Hey my sweet friend!! Thank you so so much for watching!! I really appreciate you!! Thank you for saying that! 💚
Great video, tips and encouragement thank you.
Hey friend! Oh thank you so much for that! I was so nervous about making this one bc I wanted it to be good and helpful. So that meant a lot. Thank you for watching! 💚
🎆🎇🧨✨️🎈🎉🎊 Happy New Year Taylor! And your cash stuffing videos rule! 🎆🎇🧨✨️🎈🎉🎊
Ericccc! My friend!! HAPPY NEW YEAR!! Thank you so much for your constant support and encouragement! Thankful for you!
@@alittleofitall_ no problem. 😎👍
Happy New Year🎉🎉 thank you for such a great video. I was thinking about revamping my money plan for 2024, and you have helped tremendously 😊😊 Very informative video
Robbie!! Hey friend!! Thank you so much for saying that! I’m so thankful it helped. That was my goal- just to help someone understand it better or help them get control of their finances! I hope 2024 is great for you in all areas!! You’ve got this!! 👏🏼🎉
Thank you for posting this video your video was very helpful and informative step by step. I’m excited and ready to start. I have a saving technique however I feel this is an upgrade to my own version.
Oh Lisa! You're so welcome! I am so glad you liked it! This is going to be so awesome! I promise you won't regret it! 💚
Thank you so much for sharing with us friend!!!
Thank you for watching! I really appreciate it!! 💚💚
Great breakdown!!! ❤
Nikki! Thank you, love! 🥰💚 I appreciate you watching!
Amazing video you explained it so well my friend 🤩✨. Thanks for sharing it’s definitely a must watch 🥰💕.
Chuckles! Thank you so much for saying that! I appreciate you watching! 💚💚
Great advice !
Oh my goodness thank you, friend! I appreciate you saying that and watching! 💚
Good morning friend...you explained the budgeting system really really well... like how you mentioned you can put any amount depending on ur income so more ppl on low income can get encourage that they can also do it ❤
Vane! Hey friend! Thank you for saying that! I really tried hard to make that clear and to encourage everyone that anyone could do this! Thank you for watching! Happy New Year, my friend! 💚
Thank you so much for this ❤️
Angie! You are welcome! Thank you for watching, my friend! 💚
Great Video! 🙌👍🙌
Thank you so much!! 💚
excellent video!
Thank you so much, Vickie!! I appreciate you saying that and watching! 💚
Great video! I think you explained it much better than I did lol
Omg no no no friend!! We need all explanations! The way I explain it won’t make sense to someone but the way you did- it totally will!! I appreciate you watching so much! 💚
Great explanation
Shawna! Thank you so much! I really appreciate that! 💚
I ordered a A6 binder it will be here next week
Oh yay, Joann!! That is awesome!! I hope you love it!! 💚💚 thank you for being here and watching!!
New subscriber here loved your content 👏
Jessica! Hey love! Thank you so much for watching and being so supportive! It means a lot! 🥹💚
New to channel, Wonderful break down...
Kim! Hey friend!! Thank you so so much for watching!! I appreciate you saying that! 💚
Great Video Friend 🤍🤍 Such a great teacher 🎉🎉
Omg you’re so sweet. Thank you for saying that and for watching!! 💚💚
Thank you for explaining so well. As I am starting, my budgeting is to start with my March disability check. I am tired of having to have my sister help me each month. I have to get this under control.
Oh I am cheering you on, my friend!! You’ve got this! It may take some time to “get the hang of it”, but you can totally do it! I know you can! 💚
New here and enjoyed❤❤❤
I’m so glad you’re here!! Thank you for watching! 💚💚
Good video
Thank you, Izzy! 💚
Good morning ❤❤❤
Good morning, my friend! Thank you for watching! Happy New Year to y’all!! 💚
I heard you say that you teach high school on one of your videos
You should go to the school board and see about incorporating budgeting into the curriculum....its extremely important but its also not taught in schools😊 and you definitely could teach it
They have music, art, spanish etc so why not budgeting
Great job☀️
Thank you! Yes I agree- it sooo should be! I try to incorporate it when I can! But I am so with you!
This may sound like a silly question but if rent or mortgage is due on the first how do you split the payment into three? For instance January, due on first but paycheck on 5th and 19th would be late or is this on a month ahead schedule? I get paid once a month so it’s hard to budget for the next month without using my check for the current month.
Libby! Not silly at ALL! I totally understand what you’re asking- so essentially yes, to set it up you would have to be one month ahead. There are several ways to do that- you can work it into your budget saving over time. Some people do “side hustles”. But some don’t worry about it and budget just like you were saying! Thank you so much for watching, my dear! 💚
@@alittleofitall_ that makes sense! Thanks so much for clarifying for me! Absolutely love your videos! 🙏
Hi
Where do I get a cash breakdown sheet from ❤
Hey friend! I have it listed here! alittleofitallbudget.etsy.com/listing/1426368256 💚
Do you recommend keeping a buffer in the checking account while you're pulling out the envelope money? And how much? 10, 25 etc..
Hey Robyn! This is a hard one. In my opinion, this is completely up to you. When we 1st started out- we did not have a buffer. One has accumulated now over time due to our utilities being under the budgeted amount. Some people also budget in a buffer when they are budgeting their paychecks. I would say start your buffer small and grow it! Budget out 10 to 20 dollars at a time (whatever your budget allows) and let it grow! I hope this helps! Thank you for watching! 💚
@alittleofitall_ thank you! I'm me too your channel and new to this style budgeting, and I wanted to say you make budgeting exciting.
Where did you say you can get your budget planner? 😊
Hey Teresa!! Thanks so much for watching! I have it listed on my Etsy shop! I’ll link it here! alittleofitallbudget.etsy.com happy new yet, friend! 💚
Can you do snowball and avalanche at the same time
Oh absolutely!! That is the beauty of a budget! It is totally customizable to each person and their financial situation/goals!
So if my mortgage was the first of every month, for the rest of the months paychecks would I put money aside to fund the following months mortgage? 😅
Nikita! Hey friend! Yes! You can put a little aside from each paycheck to work on being 1 month ahead for your mortgage! For some, it may take a while- but so worth it! 💚
I need to convince my husband to get with it. I got some budgeting done but can’t seem to save extra from pay check to paycheck. He holds me back I feel like. I want to save $ but hopefully this is the year that i can make it happen.
Oh Vanessa I will be praying about this for you! So hoping yall can get on the same page and this is yall's year for saving!! 💚
I’ve been married 30 years, I’m a saver and my husband is a spender. So we have separate accounts. He pays the house and I pay all the other bills. This way I can save and he can spend and we’re don’t stress each other out. I finally got him on board putting a little in the safe every month when he gets paid when he saw how much I had soaked away last year in cash.
@@renatal1972 well we currently do have seperate accounts because of that fact that the the spender. He does stress me out but because he gets stressed out. Thank you I’m not the only one with this problem. Which it may not be a problem since it can be worked out.
How much is the best amount to start cash stuffing per day when you are just starting it, by yourself, and making about $500-700 per paycheck which is paid biweekly? And you have a lot of debt to pay off… and a spending problem….
Budget bills 1st, necessities 2nd, and I would do top 5 most important sinking funds after that! If you can only stuff 1 in them- that’s okay! It’s 1 dollar more than you had and any savings is good savings! I would also do snowball method for debt!
I really want to start this. But I get so lost because I don't get "Set paychecks" and things are just a mess and hectic with my budgeting, I have no idea where to even start. I have an 8-year-old daughter, About to have surgery on my hip from a work injury and will probably be claiming bankruptcy soon. I need so much help with my budget, it's such a huge stressor in my life!
Oh Alex I am so so sorry to hear all of this. This is so much! I can't imagine going through all of this. I will be praying for you for sure. If you're asking- I would start by tracking your expenses and seeing you how much you need for bills and necessities for each paycheck. I totally understand if you're not asking for advice and just needing to vent, though. You've got this though!! I know you can do it! 💚
커피
Your accident is darlin!!
Ohhhh my gracious! 🥹🥹 you are the sweetest! Thank you for such a sweet comment! I know it’s not for everyone so I try to be aware of how I am saying some things 🤣💚
Get a month ahead and never care about bill due dates again.
great advice!
This was a greatly explained and executed video friend ! You did amazing 🥹♥️♥️
OMG thank you so much! I spent so so so many days getting this together and trying to get it organized! I sooo appreciate you saying this! 💚
Great explanation
Thank you so much! 💚