How I Got One Month Ahead On My Bills & Cash Expenses | 3 Steps To Get You On Your Way To Success 🤑
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- เผยแพร่เมื่อ 31 ก.ค. 2024
- Hello Fam! Today I am going to show you guys how I was able to get 1 month ahead on my bills and my everyday cash envelopes. I took 3 easy steps to achieve my goal for 2022. Hope this video helps someone who is looking to try to save! Thanks for being here and supporting my channel!
Xoxo, Raye 💕
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I am in no way a financial advisor. I am a woman who is on a journey to becoming debt free and wants to document my journey in hopes of helping others along the way! Thank you for visiting my channel and please subscribe if you have not done so.
#cashstuffing, #lowincomebudget, #ugc, #Budgetingforbeginners, #daveramseyinspired
I love that quote. I’m using my savings challenges to get out of debt and then try the 1 month ahead on bills on my social security income (Disability Income)
Living on Social Security is hard. I started doing the envelopes this year and can see the difference in how much I am saving.
Good for you Lucille. Sounds like a solid plan! 😊
I'm also doing savings challenges to get out of debt!!! we got this :)
What a great idea to organize your bills like the snowball method! Thanks for sharing your steps and strategies. Very inspiring! 🤩
You are so welcome! Thanks for watching Noelle 😊
I really, appreciate you for this. This makes it so much easier and less stressful to achieve.
Glad it helped!
I have a "Get Ahead" envelope and just add money to it but I like your idea better. That's such a smart idea and takes the stress away. Love it! ❤️
Thank you so much 😊
Envelope method is good
Thanks for explaining how you were able to get one month ahead. Looks like it didn't take too long and I love the idea of the snowball method. Great tips!
You are so welcome! Thanks for watching 😊
I love that quote. It’s so true. We have to work for our goals they won’t just appear like magic. Hard work pays off ❤
So true! Thanks for watching 😊
I agree! ❤
I'm saving for 1 month's income instead of 1 month ahead. I'm doing like you, using saving challenges to reach this goal.
Hey Cynthia I love the fact that you ate saving for 1 month's income. That is awesome. Thanks for watching 😊
Great video, your process is simple and easy to do. I'm a digital budgeter so I will be implementing this with prop money.
Sounds like a great plan. Thanks for watching! 😊
This is so straightforward. I am going to do this. Thank you!!!
Your so welcome! 😊
This is the best advice I’ve seen about getting ahead. Such a fun and fresh idea. I’m getting my envelopes and stickers tomorrow! 😊
You are so welcome! Good luck on your journey! 😊
I just ❤Love your channel, these little pointers help. Because of you. I am working on my 1 month ahead binder, currently on the 5th bill. This strategy does really work. Thank you so much, can’t wait to your shop opens😊
Awww thanks Kim. So glad I can help. Look at you on your 5th bill. You go girl!! 😊👐🏽👏🏾🙏🏽
Thank you so very much for this video. I am just starting with the cash budgeting, and this was the most helpful thing I have seen so far. I love watching your videos.❤
Glad it was helpful! Thanks so much for watching 😊
I love this video Raye, and I enjoyed watching up get ahead and seeing you pay off your debt in phases. You are the bomb!!!!! Enjoy your weekend!
Thanks so much for this!! 😊
Awesome explanation of how you got this done Raye! Savings challenges are definitely the way to go! 💚😊
I totally agree! Thanks so much for watching Cathy! 😊
I love the idea of staying ahead one month and sticking to that. I would also feel overwhelmed if I tried doing more than that above my means. Thanks for always being honest and realistic with us 😊👏🏽 great video!
Awww thank you so much 😊
Love all your informative messages on how to save 💜♥️
Thanks so much! 😊
Hey Raye ,this video really do help alot . Thank you for sharing ..informative and easy step to follow then our quote of the day comes into play for us to work for it 👏🏾👏🏾♥️♥️ have a great weekend Raye and see you in the next one ❤
I am do glad it was helpful! Thanks for watching! 😊
Great video, your details, and showing 👌🏼 was on point. It has helped me see what I needed to do with getting a month ahead. Thanks so much😊
Glad it was helpful! Thanks for watching 😊
I have been racking my brain on how to start a one month ahead envelope and you have saved my life, literally! 🥰. I am new to this (Sept bring my first month) snd I won’t lie it gets confusing. Thank you so much for this video!
I am so glad my video was helpful. Thanks for watching! 😊
Great tutorial, Raye! Always enjoy watching.
Thank you sooo much! 😊
Yes, extremely helpful! This is my first time visiting your channel. Thank you❣
You are so welcome!
I loved this so much! So helpful and motivating!
Thank you so much!! 😊
I Def started my month ahead binder inspired by you.
Thank you so much for the tips!
Have a great weekend ❤
You are so welcome! You too 😊
Thank you so much for this info Raye! Enjoy your weekend!
You are so welcome! You as well! 😊
Thank you for this video. I am definitely working on my emergency fund. This will be my next goal.
Thanks for watching! 😊
I love how you broke this down and made it plain. I am going to do Jordan Budgets month ahead savings challenge starting in April when I start my 2nd seasonal part time job and I will transfer the money to my bills account. I am going to do it from smallest to largest as well. I am 3 months ahead on my Spotify subscription. Thank you for the great tips Raye! ❤️
Thanks for watching Tamika! 😊
You are welcome Raye 🤗
Great video. I got ahead on Electric and water by paying a budgeted amount each month in the case of electricity $150 a month. I now have $265 credit on bill. Water I got a month ahead because I accidentally paid it twice one month. I didn't realize that I had put it on auto pay and paid it like I normally would. Now to work on getting ahead on my Straight Talk bill. House I just paid the March payment Wednesday. I pay that every month on the 2nd Wednesday of the month which is when I get my Social Security check. Can't wait to get out of Debt again. Hospital, Dr bills and Car repairs put us back into Debt.
Don't life be lifen? But it sounds lije you are foing awesome with what you have so far. Thanks for sharing and good luck on your journey! Appreciate you watching. 😊
Thank u for teaching us about how to get one month ahead...using saving challenges to stuff our bills ahead binder is a smart idea
You are so welcome! 😊
That quote was awesome raye can’t wait for save day Sunday plenty of good information for today. Awesome job on everything.
Awesome! Thank you! 😊
Wow this is amazing. Thank you for explaining how to get a month ahead. 🥰
You are so welcome! 😊
I love this method!!! I'm going to do this.
Thanks for watching! 😊
Very helpful video!! Very informative and organized. New subbie here. You are such a great explainer. So glad I found your channel because I know Baddies & Budgets, who I also follow said to make sure you get one month ahead before you cash stuff. I want to start cash stuffing, but I needed to know that I should do the bill pay-off first, the snow ball method, and then getting to the one month ahead. 😊Thanks ahead 😊, Arlene
Hey, Arlene. Thanks so much for subbing. I don't know if you have a small ($1k) emergency fund... but I would do that first just in case some small emergency comes up. Then, any credit card debt... then the 1 month ahead. That is just my suggestion. I wish you great success on your journey! 🙏🏽😊
This partially answered my question I just asked 👍🏾
Thank you, that was a very smart way to get to the one month ahead on bills…. makes it fun too! 😁
Thanks so much for watching! 😊
Loving this video! Thanks for sharing!! 🥰🥰
You are so welcome! Thanks for watching 😊
That is such a smart idea! Thank you for sharing! 🙏🏽❤️✨
You are so welcome!
Thank you..what a great way to save for the one month ahead!!!
You are so welcome! 😊
Thanks for sharing !! I want to be a month ahead but right now my focus is to get 1K in emergency fund and christmas ,which im doing saving challenges for those. Once I reach the 1k ,I'll be saving to get 1 month ahead . I'm focusing on 2 things at a time lol. Great video
That sounds like a plan. Appreciate you watching! 😊
That's a great idea! Thank you!
You are so welcome! 😊
That was an awesome video. I love the snowball method. Have a great day and thank you for sharing. ❤
You are so welcome!
I am working on the one month ahead goal right now. I agree about your philosophy for the emergency fund use, etc. This was a super great video! So good for you to share your point of few!
Thank you Judith. I appreciate that and so glad you enjoyed it! 😊
Wonderful explanation on how to build a one month ahead binder!
Love this idea. Once my debt is done I'm going to work on this. *going to check your debt videos now*
Thank you Desiree. I appreciate that! 😊
Thank you so much , this is so smart 😂 I’m gonna do this exactly
Thank you. So glad it was helpful. Good luck on your journey! 😊
I love this idea I will be trying this and let you know how it work out for me. Thank you
Thank you!!! 😊
I love your vedio thanks for the info. I really needed to know that . I did a diving challenge for 150. And I’m putting that towards my bills thanks again keep teaching us all this tips and tricks.
LOVED the video!
Thank you!! 😊
Good information. Really simple.
Thanks!😊
thank you i just join the Raye's family!!!!!!!
Thanks so much! 😊
I love this video. Thank you for making this video
You are so welcome!
I’ll be trying this method. Very helpful video
Thank you! 😊
New subbie! ❤ I like this method! I will definitely try it! Thank you! 🙏🏽
Awesome! Thank you! 😊
My goal this year!
Super helpful video! Thank you for sharing your tips, I plan to tackle the month ahead this year 🥰🤙🌺💜💚💛
Glad it was helpful! Thanks for watching 😊
Lovely quote and very informative video. Small wins are key! Subscribed today.
Awesome! Thank you so much! 😊
Thank you! So helpful and very inspiring ❤
Glad it was helpful! 😊
I love this idea to save for month ahead! I’m going to do this now!,
Yayyy, glad you like it. Thanks so much for watching 😊
I absolutely love this... Thank you
Glad you like it! 😊
I love this video and will be going this method
Great idea thanks for sharing
You are so welcome!
I also like when I was on a biweekly pay period and that extra check twice a year helped me.
Yes! Those magic months fo help a lot! Thanks for watching 😊
Very helpful indeed, thank you
You're welcome!
Great info!
Glad it was helpful! 😊
Good idea!
Thanks!
Very helpful. Thank you.
Glad it was helpful! 😊
Very smart to save for monthly expenses using the debt snowball method.
Thank you!! 😊
really enjoyed this video thank you for sharing I am going to try this
would you do it the same way if you have a monthly income because I just retired would love your input thank you
Yes you would do it the exact same way. After you have your monthly bills budgeted out. Whatever discretionary (extra income) you have left put it towards your savings or debt payoff. When I was paying off my credit cards and personal loan I used yhe snowball method as well. Hope that helps. 😊
Thanks for watching 😊
Great videos you inspired me ❤
Awesome! Thank you!
Thank Youuuuuu🌝
Your welcome! 😊
great video!
Glad you enjoyed it! 😊
Yes thanks I will take some things from this and make it work for me.
Aww thank you. So glad it was helpful! 😊
Great plan
Thanks 😊
Thank for sharing ❤️
You are so welcome! 😊
I do the month ahead the same way. Smallest to largest. Working on the larger ones
Yes. Doing it this way worked out so well for me. Thanks for watching! 😊
Thanks for sharing.
Thanks for watching! 😊
Thank you for sharing🙂
Thanks so much for watching Lina! 😊
Your nails are beautiful!
Thank you!! 😊
That's a really good way to do it. Do it 6 times and you have your emergency fund.
Thanks for watching! 😊
Thanks thanks thanks you are great
So nice of you. Thank you! 😊
Thank you for the helpful video despite the age of the video it still has helped me! I did have a question tho. So if I am behind on bills and am trying to get caught up to get to a month ahead, will this process work? Also, I did all your steps for organizing all bills and stuff but as far as due dates? How do you organize it based on those? I realized after I got my bills organized, the dates kinda threw me off. Thanks in advance
You want to get your bills caught up then start the process of getting a month ahead.
nice video , new subie
Thank you so much for subbing and watching! 😊
just subscribed :))
Yay! Thank you so much! 😊
❤❤❤
Where did you get your clear envelopes with the pink outlines and pink word stickers
I think those are from All Things Planned on Etsy. She also has a TH-camr channel. Thanks for watching! 😊
I have 2 months and want 3 months ahead.
Sounds great! 😊
Love these tips! What are your thoughts on using a portion of the savings challenge to fund the bills and using the bulk of the remaining to make a dent on the other savings challenges, while also taking a portion as payment for yourself?
Hey! Thanks for watching! If that works for you then I would try it. But if your priority is to fund your 1 month ahead goal, doing it the way you suggest will take you a little longer but if you are trying to fund other challenges and pay yourself then I would go for it.
@@rayesbudget TY! Your videos are some of the best I've seen on this subject.
@Deepika Reddy thanks I really appreciate that! 😊
Thanks for doing this video. It has motivated me to start your 3 steps. When I started saving for 1 month ahead I just picked categories to work on but I like your method of saving like the snowball method. That way we have quick easy wins of bills fully funded. What do you do on a month when the bill is higher than the minimum? Do you take from an everyday spending envelope?
That is a great question estion! Just last month the gas bill was larger than expected. But we have a buffer in our checking account that was able to cover it. Thanks for watching! 😊
@@rayesbudget I just wanted to say that after watching your video and implementing your tip of listing out my bills from smallest to largest, I've completed 2 savings challenges and have knocked out 6 of my bills on my list🎉 I actually feel like I'm making progress on my month ahead fund and I have a plan on what to do next... all thanks to your great tips to get me started 😍🤗 thanks so much!
I learned my lesson the hard way we have electric heat. We are in 2023 go back to your 2022 electric bill take the highest electrical you had for that year. Star putting all that money into your envelope whether you use it or not. You put 250 dollars away for my electric every month say your electric bill is 150 that way is $100 in your envelope you don't touch that now 4 next month you put in another 250 and subtract what you have and just keep adding to that envelope . You'll extra money in your envelope if an emergency comes up that's just an example I don't know what you would have to put away every month from the highest electric bill of last year in 2022 good luck I hope you give it a try
Where did you get the checkered cash envelope binder from?
Sorry I can't remember the shop but it was off of Etsy.
That was a great learning video. Do you not include any debt payments on one month ahead?
Yes, mortgage. I also showed in the video that I have my student loans payments in my bills binder but since payments are on pause the money is sitting in the envelope.
I spent all afternoon making my one month ahead binder!!
This method seems to work if bring home a steady paycheck. If living off your savings and only work part time on call then not so much.
No it wouldn't work if you are living off of savings but for those who even have a part time job and have a little bit of discretionary income to work with, it can work. It's all in how you budget and your mindset. Every little bit of savings helps even if it is $5 here or $10 there. It will take some time but if the person is determined it can be done. Thanks for watching! 😊
This was great you explained it very well thank you 🤗
You’re welcome 😊
Lol I did largest to smallest😂.
How did it go?
@@rayesbudget working on it still
You sound like Vivaca Fox.
I understand the savings method completely! I am just wondering ..once that monthly budget is saved (for the next month) am I repeating the cycle of saving in that way? For example april monthly bills are covered with the savings method..would I be doing the same envelope method for may? It may be a silly question but I’m stuck lol.
I think I may have figured it out.. will I be using the 1 month ahead budget in addition to my regular pay checks to pay the current bills so that I have additional money left over for the following month and it continues to roll over that way?
Thanks for this boo! Since I lost my job in Dec I learned this month ahead is so important! Least for us! I'm gonna do the debt snow method like you did. Before I was saving for month ahead I was doing it all together but doing them individually smallest to largest seems like it will keep me motivated with the small wins along the way thanks girl!💜💜💜
That’s what I am doing as well
You are so welcome Mel! 😊
I’m going to try this! This method makes it seem more manageable to get a month ahead. Thanks for sharing.
You're so welcome! 😊