Explaining My Cash Envelope Categories | Sinking Funds | Cash Envelope System

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  • เผยแพร่เมื่อ 30 ก.ย. 2024
  • In this video I am going over the different categories I use in my cash envelope system.
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ความคิดเห็น • 53

  • @Jewel_xo1
    @Jewel_xo1 ปีที่แล้ว +28

    You’re the first person I’ve seen to break it down like this. I love how you organize your envelopes based on your spending habits

  • @calmandcharming1599
    @calmandcharming1599 ปีที่แล้ว +7

    👋🏽Doing challenges for sinking funds is fun. But, I’m not making as much progress as I would like too. 🤦🏽‍♀️💚

    • @Happy2planwithDesiree
      @Happy2planwithDesiree  ปีที่แล้ว +5

      Even if it's a little progress that is still better than nothing! So keep at it!!!

  • @renee9776
    @renee9776 ปีที่แล้ว +6

    How do you save for car and home/renters insurance? I didn’t hear you mention that. These videos really are eye opening for me. I really need to keep track of my spending.

    • @Happy2planwithDesiree
      @Happy2planwithDesiree  ปีที่แล้ว +5

      I don't stuff my paycheck from my full time job so those types of bills come out of that money. Because of this I don't stuff for them. For me I have an issue with overspending in the categories I have in my binders. Because of that I only focus on these categories to keep on track. Hope that makes sense!

  • @lizabethma6363
    @lizabethma6363 8 หลายเดือนก่อน +5

    Just finding your videos but you have the most realistic and common sense budget and way of explaining this system. Big hugs and i really hope you make more of these videos.

    • @lizabethma6363
      @lizabethma6363 8 หลายเดือนก่อน

      I'd also love to see you add an investments envelope to your long tem one. You can put into an IRA or other type investment which will greatly assist retiring early or retiring more comfortably.

  • @kimfields1000
    @kimfields1000 ปีที่แล้ว +5

    Congrats on reaching 25K subs! Love your channel 🥰

  • @PaulaJ_1031
    @PaulaJ_1031 ปีที่แล้ว +4

    Love these videos! Keep them coming! ❤

  • @carolperdue7534
    @carolperdue7534 ปีที่แล้ว +3

    Do you still shop online with a credit card? Do you pull the money from your envelopes to pay the card off?

    • @Happy2planwithDesiree
      @Happy2planwithDesiree  ปีที่แล้ว +1

      I’m not a huge online shopper and also no longer use credit cards. But when I do buy something online I take the money out and deposit it into the bank.

    • @missnannymarie
      @missnannymarie ปีที่แล้ว +5

      That’s how I do it. I have a completely separate banking account for credit card payments. the way I think of it is, having multiple bank accounts is like a digital cash envelope system. Once I deposit the money into that credit card payment account I forget it, I never withdraw money from that account. If there isn’t cash in a certain category envelope at home I won’t use my credit card for a purchase until I know it can be paid in full at the end of the billing cycle. Pull the cash from the envelope at home and place it into a cash envelope named “bank” that you keep in your wallet and then make the deposit anytime before the payment is due that way you don’t accidentally leave the cash in the envelope leading you to believe you still have that money and it hasn’t already been spent online.

    • @mariavargas8769
      @mariavargas8769 4 หลายเดือนก่อน

      Hi where do you buy the binder

  • @cristinaballi
    @cristinaballi 8 หลายเดือนก่อน +1

    thanks for sharing! you've made such great progress - motivating 🎉

  • @jennifergribbins4560
    @jennifergribbins4560 หลายเดือนก่อน

    Love your wallet. What kind is it and where did you get it ?

  • @mireyabender1503
    @mireyabender1503 11 หลายเดือนก่อน +2

    New subscriber!! Where did you get the pink binder? I love it! ❤

    • @Happy2planwithDesiree
      @Happy2planwithDesiree  11 หลายเดือนก่อน +1

      Thanks for the sub! I actually got it as a sample from a manufacturer...hope to sell them soon🤗

  • @Marie_C623
    @Marie_C623 หลายเดือนก่อน

    Can you share the link for your wallet please ???

  • @teresareed6580
    @teresareed6580 9 หลายเดือนก่อน +1

    Where did you get your notebooks/binders??

  • @Michellelovestothrift
    @Michellelovestothrift 4 หลายเดือนก่อน +1

    Did you make your envelopes?

  • @la-quandanorwood5158
    @la-quandanorwood5158 ปีที่แล้ว +3

    Great video.

  • @savewithjudy
    @savewithjudy ปีที่แล้ว +2

    Here watching and enjoying.

  • @Ladybug50505
    @Ladybug50505 ปีที่แล้ว +2

    I love your wallet, where did you get it can I ask?

    • @Happy2planwithDesiree
      @Happy2planwithDesiree  ปีที่แล้ว +1

      I actually got the wallets as samples from a manufacturer..just testing them out to see if I want to sell them🤗

    • @paivix1
      @paivix1 9 หลายเดือนก่อน

      The o e you have for long term sinking funds .. white with logos is a beauty ❤

  • @tonya3949
    @tonya3949 4 หลายเดือนก่อน

    I found Happy Planner stickers today for $1.99 each, I bought 6 the Mom 1529 ct & the Budget 365ct books today! Yay Me!

  • @ZionTreasureHunt
    @ZionTreasureHunt 11 หลายเดือนก่อน +1

    Great video very well broken down ❤

  • @ladydee56
    @ladydee56 2 หลายเดือนก่อน

    I absolutely love your wallets and how you break it down. I am retired so I am on a fixed income, but I have always had a savings account every since I started working. There are some family members that need to be doing this young and older.

  • @Randysavage_24
    @Randysavage_24 ปีที่แล้ว +1

    What type of tripod do you use? Very still 😊

    • @Happy2planwithDesiree
      @Happy2planwithDesiree  ปีที่แล้ว +1

      I actually use my ring light to hold my phone. It’s a floor stand so that’s why it stays pretty still. But I do not recommend using it because the phone holder doesn’t reach very far. Hoping to change it up to something better

  • @judejeanpierre7486
    @judejeanpierre7486 2 หลายเดือนก่อน

    ❤❤❤🎉🎉🎉🎉

  • @abigailverthein1207
    @abigailverthein1207 11 หลายเดือนก่อน +1

    where do you get your labeled envelopes?

    • @Happy2planwithDesiree
      @Happy2planwithDesiree  11 หลายเดือนก่อน

      I made them! I have a tutorial on my channel th-cam.com/video/OAv8yOyh4OI/w-d-xo.htmlsi=8VzG6xTJUZaVceEs

  • @Bjustbudgets
    @Bjustbudgets ปีที่แล้ว

    Hey Desiree, so i followed your cash envelope tuturial and made the exact same mistake as you 🤦🏽‍♀️🤦🏽‍♀️ i incorrectly punched 40 envelopes 😭😭😭

    • @Happy2planwithDesiree
      @Happy2planwithDesiree  ปีที่แล้ว +1

      Omg I feel your pain. Even after making this video and learning from my mistakes I made some for a friend of mine last night and punched them all wrong 😭 ugh!!!

    • @Bjustbudgets
      @Bjustbudgets ปีที่แล้ว

      @Happy2planwithDesiree omg crazy. I know I'm going to do them over soon too. My old won't let me keep them

  • @Sitasbudgetingjourney
    @Sitasbudgetingjourney 10 หลายเดือนก่อน

    Great video❤

  • @nikki95yan
    @nikki95yan 6 หลายเดือนก่อน

    Your link to your LV binder is not working

    • @Happy2planwithDesiree
      @Happy2planwithDesiree  6 หลายเดือนก่อน

      That company is no longer in business sorry about that!

  • @annsmith5625
    @annsmith5625 ปีที่แล้ว +1

    ⚾️

  • @mylittleplanningcorner
    @mylittleplanningcorner ปีที่แล้ว

    Hello Desire can you share what company you used to get your binders?

    • @Happy2planwithDesiree
      @Happy2planwithDesiree  ปีที่แล้ว +2

      I sourced them from Alibaba!

    • @mylittleplanningcorner
      @mylittleplanningcorner ปีที่แล้ว +1

      @@Happy2planwithDesiree how do you like your new binders, like the quality? Can you do a review on what you ordered?

  • @TAA4U55
    @TAA4U55 7 หลายเดือนก่อน

    💕

  • @MrsUnderwriter
    @MrsUnderwriter 8 หลายเดือนก่อน

    With all the respect, this is way too complicated