Cash Stuffing | $1,515 | Savings Challenges + Sinking Funds | Jeulia Jewelry
ฝัง
- เผยแพร่เมื่อ 6 ก.ค. 2024
- I'm so happy you’re here!! In this video, I will be cash stuffing my and my husband's sinking funds and savings challenges for the second week of July! Grab a blanket and your favorite drink and get cozy 🖤
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I'm budgeting for my son's wedding. Everyone always thinks of the bride but never the groom. So I created my own Groom's Binder. The groom's family is responsible for things too. So my categories are: rehearsal dinner, wedding gift for bride, wedding gift for groom, wedding gift for both, honeymoon and ring. Now this is the kicker... my son just started dating a lovely girl. But, I want to be prepared for when it happens. And I want to be a blessing to both of them.
Things I budget for is an emergency fund, vacation, car maintenance, home maintenance, while budgeting to pay off debt
I have in depth school binder categories such as teacher appreciation, picture day, lunch/snacks, class parties, playdates, friends birthday parties, bookfair and ect. I also have a holiday envelope from you that I use to pay myself back for not working on holidays because I don’t get paid for them.
I love this ❤ I have my daughter in daycare and they are always having a party or some type of fair at her school. I never thought of doing in-depth categories like this. You just put me on something. Thanks 🎉
@@krystamatthews4048 girl my daughters school expenses use to get me every 👏🏽time 👏🏽
We are avid concert goers, so I have a category for “concerts” 😊
I love that!
Through my cash stuffing journey i have finally reached the point where i can do 'Year Ahead Sinking Funds'. It is the best feeling to start each year fully funded for things like Christmas, Subscriptions, Vehicle Registrations, and so on, and then throughout the year i am stuffing the next year! I have one binder set up for 'Year Ahead' and would love a dashboard for that, hint hint, lol!!
Some of my categories include short term road trips, which is separate from vacation, retirement, savings, graduation expenses for my daughter when she graduates high school and my son when he graduates college home appliances, and home renovations
I LOVE your videos. I found another cash stuffer that has made envelopes and savings challenges that look identical to yours and got so frustrated for you! Something that I budget for is Tolls. My husband commutes for work, and instead of EZ-Pass we use cash.
Aside from all the normal envelopes most people have, I have large animal vet, show goats, livestock shows, show supplies, show feed and 4H, as well as barn, horse trailer. Also have my baking business binder for all expenses and things needed to grow the business.
I love this! I feel like I need to make an entire savings challenge bundle around this because I used to be in 4-H and showed horses!
Emilyyyy!! I have great news! With the encouragement from your videos and cash stuffing inspiration!..Myself and my husband have officially became dept free!!! And are about to start the house hunting process :)! Thank you so much for showing me the way! Can’t wait for your next video! You truly are a blessing to the cash stuffing community ❤
I don’t cash stuff bills. I pay everything online, I cash stuff groceries and the miscellaneous categories that come up
What other categories do you have? Need inspo haha
@@crystalplanss groceries, haircuts, pets, an envelope for each kid for bday and Christmas, one for my husband and I, snacks( for ice cream or stop at the gas station for a drink when out), school lunch acct, back to school, and eating out. I have some for saving challenges that will go towards CC debt. I’m using the snowball method right now.
Same!! It’s awesome this method works for others but I couldn’t be bothered to take out cash for bills when I’m just going to deposit it a week later 😅. I do some sinking funds with cash and others digitally (I use Rocket Money) depending on when I plan on using them/how much would be needed. I have a lot of envelopes though and I love the cash stuffing process! Sadly many of my envelopes are falling apart 😢
I pay my bills & buy groceries/household stuff with my card. I cash stuff for month ahead, medical, vision, dental, prescriptions, car taxes, income taxes, business taxes & other business essentials (business has its own binder), Iceland vacation, pets, self care, new couches, office flooring, counter tops, organization, budget items (mainly for AD 😊), & a whole lot more. I have around 75 envelopes.
Hi Emily! We are just finishing my emergency fund early next month. We have also saved for our next home as we may be getting our first home and have a baby coming this November. So for us we will have a home fun and kid fund are going to be essential. I’m so excited for your 12 Days of Christmas and definitely will keep an eye out for that!
Gardening, adventures, college fund, for the kiddo, hiking, biking,(adventure could be used for these categories too)
you could make a category of envelopes for disabled people! they are always the ones who have to spend lots of money for their own needs (it ranges from physical to mental disablities)... like for example, a deaf person has to spend a lot for their hearing aids and annual visits to the doctor... a depressed person has to spend for their therapist's sessions,, a blind person has to spend for their walking canes; sometimes the disabled person has to spend for a wheelchair; or if they're part of the neurodivergent spectrum they spend a lot for things catering to their needs
My high priority categories are house down payment, vacation, Disney, new car. I also make my own handbags and plan to start making clothes soon, so I have Sewing and Fabric categories.
My husband and I love to go to concerts so I created an envelope for concert tickets and merch. 😊
Great video Emily! Excited for all the handmade restocks! 🎉
I do have the basics for envelopes and do cash stuff for bills as well; rent, car insurance, etc. I recently found out I was pregnant ❤ so I got your baby bundle in savings challenges so working on that!
The only other thing I cash stuff for is Western Navajo Nation Fair up in AZ. So many great indigenous vendors and they’re all small business so my family and I love goin up there to enjoy our culture, the fair and food! As well as to give back to our community ❤ 😊
I am still a newbie when it comes to cash stuffing, so I only have the basics (home and car maintenance, birthdays, groceries, pet care, emergency, ect.) But I know I want to eventually have an indepth Hobbies binder. My husband loves to hunt, fish, and work on cars. I love gardening, my dogs, crafting, and I want to get back into horseback riding. I think having envelopes for all of those categories will be helpful
Hi Emily 👋 great cash stuffing 😊 vacation vacation vacations 😅 Always saving for it. I always seem to forget something on vacation that I didn’t plan for.
Cash stuffing for groceries and beauty, which I tend to overspent and sinking funds are Christmas, pet/vet, co-pay. Looking forward to the advent-box. Loved it last year. Love from The Netherlands 😊
I forgot one of the main ones from my last comment… I keep my Christmas tree up ALL YEAR LONG BECAUSE I DECORATE IT FOR EVERY HOLIDAY. New year, V day, Easter , Halloween, Christmas, spring summer fall and winter. So I’m saying all that, it gets pretty pricey so I budget for it 😅 it’s a hobby of mine to decorate
Paying off some student loans, but also saving for the following categories: emergency fund, pets, car maintenance/repairs, Halloween, clothing repair/maintenance, vacation/travel, tech fund (computer, phone, etc), new car, Amazon prime (sinking fund to cover annual fee), personal development (courses, classes, books, etc).
Besides our bills we also do groceries, miscellaneous spending, transportation (extra gas money for the week if needed), birthdays, family vacation, mom and dad vacation, kid clothes, parents clothes, medical, date night, car tags, Christmas, seasonal holidays (4th of July, Halloween those kind of holidays), pets, home renovations, education. I may be missing a few but that’s the bulk of them.
Just some ideas: You could make a Wedding bundle: Dress, Ceremony, Reception, Photography/Videography, Floral, Engagement/Bach Parties, Honeymoon, Transportation, Hair & Make Up, Accessories, Bridal Party. Could do a Baby bundle: Maternity Photos, Maternity Clothes, Doula/Nanny/Post Partum Help, Diaper Fund, Newborn Photos, Nursery, Furniture, Carseats/Stroller, 1st Birthday Party.
Some categories I have 0:03 are: thrifting, budgeting, buy small biz, services bonus ( for holidays extra tipping + mail carrier and recycle/sanitation) also auto and home insurance deductible. That’s about all that I do that I don’t see others do.
Things i budget for is personal, home, future, bills.
Personal: groceries, gasoline, beauty, clothing. Home: farmer’s market, homestead, greenhouse, decor. Future: babies, home, holidays, travel. & Bills: health insurance, phone, medical, debt.
Hey Emily! We are stuffing for a home down payment, future education costs if I want to do the next level of my Restorative Wellness Certification, we save for fun Casino outings, Adventures (fun trips within my home state of Washington) and long term savings for my fiance and I when we’re empty nesters in 11 years. Great video!!!🖤🖤🖤
I'm working to pay off debt while saving for things in the future. Two new sinking funds envelopes I just made are: arts subscriptions and just general subscriptions.
A friend and I get theater season tickets every year and I just ordered season tickets for classical music too. Both are very important to me and I'd love to save up the full amount by May of next year and just keep that cycle going. Subscriptions is a sinking fund for things like a CSA or if I want to get a 10 pack of classes at the gym or something. Things that come up a couple times a year but not every month.
Hey Emily.. I love the 2 gold pieces together. Great choice
Thank you so much, Vivian! 🖤
I have tons of sinking funds and savings categories, but the ones that are getting the most love right now are: retirement, new car, home maintenance, emergency fund, pet emergency fund and vacation.
Absolutely love the Jeulia jewelry 😍
Me too!! I love how well those two necklaces went together!
Thank you very much❤
Hi from Europe, Romania !!! you are an inspiration !
I am stuffing for major holidays, birthdays, emergency fund and home purchase. I am working on paying off debt while also trying to save which seems impossible!
Great video ❤
New Roof, and Roth IRA Field trips , and school Lunches
Hey, Emily! No interesting or new budget category here 😅 love the necklaces! They're gorgeous! Ty for my dashboards 🥰 I love them! Sunday reset complete & motivated for the week 💪 Enjoy your week!! 🖤
Thank you! You too!
Love your videos!
Thank you! 🥹🤍
In 🇨🇦 we celebrate on july 1st and our family always is on our yearly camping trip
As for budgeting we do ALL our bills online including extra debt payment right away digitally. As for cash savings always adding to Emergency, Christmas and Month ahead, all other savings challenges go to sinking or specific purpose
So I have been cash stuffing for my new house. So I set an estimated budget for each room in our new house I’m not able to contribute much to the actual building of the property but wanted to be able to help with finishes, furnishings, decor, essentials for each of the rooms.
I don’t cash stuff bills because I pay everything on line but I do have a bill binder that I save a little bit at a time to become one month ahead on each bill. I have the normal like car maintenance, health/medical, kids, pets, etc.
I also have debt, renovations and new home because I’m paying debt off now to be able to buy a house next year and Reno in case I gotta fix something in my new home. Also have a boat, camper, golf cart and a she shed envelope because I’m bougie and want all the goods 😂
We hosted J4 this year, in South Carolina the weather was hot and perfect LOL
I haven't started budgeting yet, but the plan is to start funding a Roth IRA next year around August after paying off debt which consists of credit cards, cash advance place and online loans. I will also then start saving for a 1 year emergency fund which I've calculated will take me 2 years when I start my 2nd part time job next month.
Do coutom envelopes where you have so man in one bundle and they choose which ones they want
we keep bills, gas, and grocery money in the bank. Try to cash stuff everything else. We homeschool and have a lot of kids so there are many expenses. Sports, music lessons, books and classes, graduation, each kid has an envelope. Care packages for college students. Clothes, hair cuts, vacation, family fun, date night, birthdays, anniversary, holidays, home repair, home renovations, car care, emergency fund, IRA, yearly memberships and subscriptions, meat stock up, plus other activities the kids do. My husband and I like to go to a Wild game each year so we are saving for that plus jerseys for each of us. Im also starting to save for weddings because we have 5 girls. Its a lot and they dont all get stuffed. It helps me to see how many things we really need to pay for and how careful I need to be. Never thought of half these things before I started cash stuffing.
I’m currently using a saving challenge to save for car insurance. Instead of making monthly payments, I want to pay for 6 months or a year at once. The same with renter’s insurance.
I'm not married yet, but I was thinking about starting to budget for that when my husband finds me lol
Hmmmm.... other than my miscellaneous spending habits (I don't know how many other people have a knitting/crochet habit in need of a 'yarn' envelope like me, but I most definitely do! And a book one. And a stationary one...), but for actual savings, I have one for an apartment downpayment, so that when I move out of my parents' house, I'll be able to make a rental downpayment. I also have one for trips, and one for tithing. Don't know how much it will help, since I'm in the weird (and admittedly EXTREMELY enviable position) of being a grad student without student loans, but maybe!
Hey Emily great video...the chain is called paperclip chain. I make jewelry as a hobby and use this to dangle charms for bracelets and necklaces. It's become one of the most popular chains lately in both fancy and costume jewelry lately. Some of my categories are Hanuka, WOW ( World of Warcraft game which me and my sons play together.), tech, home decor, Car Registration, Mom's hair, and some basic. I don't do bills because most come straight out of the bank in auto payments.
Hi Emily! I am out of credit card debt, just have my auto payment to finish, then onto the next steps. Random categories I budget for: Travel/College/Graduation/Cleaning person/Subscriptions/Vehicle Registration/Vehicle Maintenance/Vet/Dog Groomer/Family Fun/Girls Trip/Garbage. Can't wait for the Advent calendar!
Besides things like bills, grocery shopping, gas, etc, we cash stuff things like, entertainment/concerts, Family/Friends, haircuts, laundry (we have to go to a laundry mat), lunch for when my boyfriend forgets his lunch, Roth IRA, tattoo, technology, tools (boyfriend is a mechanic), and my Portland Winterhawks hockey season tickets LOL
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A Hobbies envelope would be nice. This could encompass any hobby (mine is cross stitch or crocheting)
A Thrifting envelope would be fun too.
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Hi Emily❤❤. I recently completed my goal of emergency but started working on my debt payoff journey. I feel like I have abandoned my sinking funds due to my high debt that I’m trying to work on. I feel stumped on where to go from here. Thank you for your video. I love watching ❤❤❤
Nice job today 😎
Thank you so much! I hope you have an amazing week! 🖤🖤🖤
My son is going to be a senior this year. I've got a school expense envelope but I've started a senior expense one too.
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I do cash stuffing for groceries, gas, vehicle maintenance, miscellaneous, beauty, vacations, and holidays.
I have an Etsy/online shopping. In addition to tue regular envelopes.
Murphy. All the things that Murphy can do to me. Like plumbing, and appliances, a/c (I live in Satans belly button). Life events like kids turning 16, graduating from high school, prom. I take care of my mom, who has a brain injury, so I’m constantly seeing about specific renovations like handicap bars, extra safety features, appreciation gifts for the assistant that stays with her so I can work, long term care, fun activities that she is capable of doing. Nothing prepares you for your parents aging but absolutely nothing prepares you for an accident taking away so much of who they are. I’m not married either so it’s just me.
My own health too. I try to have an emergency fund to cover a couple days pay because of everything with mom. I’ve also lost 160 lbs and while I’m so thankful for that it has come with significant health complications that I’m still figuring out. So, co pays, deductible, rainy day, all that.
Disney!
We live in a neighborhood on a lake, and the neighbors all throw in for a bunch of fireworks. We were still able to do it between the rain!
That sounds so fun! Our friends still came over and the kids swim in the pool while it rained, fun memories for sure! 🇺🇸
We don’t have plans for the 4th. My son is on the spectrum and doesn’t like loud noise and neither does our bulldog. We pretty much stay inside and try to calm the dog down. We have front row seats so I can watch out the window.
We are super blessed that my mother-in-law takes our autistic son for the night, but this year was especially hard on the siblings and both of his sisters cried because he wasn’t there with us 🥺 holidays are always a little different with our special kiddos 🧩
Great cash stuffing video 🤗 I am working on debt as well as manifesting so manifest is a very important category to me as well as rainy day 💕 Hope that helps 🫶
I am currently trying to put together a Givings category/binder so we can strategically plan to give to several organizations we care about. I haven't seen anyone offer this category yet though.
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Special occasions or event fund
The main things I save for each time I get paid is:
Groceries
Christmas
All the other holidays
Tax Prep
Back to School
Emergency Fund
Car Maintenance
How about a Debt binder for credit cards? You could have dashboards saying, 'Debt Payment', or custom labels: 'TD Cash', 'St. Anne's CU', etc.. Would fall under handmade items but I think this could apply for many people right now who are starting their debt free journeys.
As a budgeter since 2023, envelopes I've added outside of the ones most budgeters have is Student Loans 😭 .. Stocks/Retirement 🥳.. New Home (Down Payment, Escrow, Closing Cost). 🥰
Amazon annual amount, Sam’s club membership, back to school (which includes school supplies and clothes for our daughter), car maintenance, bday for our daughter, groceries, in do $1 challenge(any dollar that has begins with J or H) , Xmas
Hey Emily 🖤
Hello friend!
I often find that I owe on medical so having a medical category set would help i.e. Medical, Dental, Vision, Prescription, Co Pay and Emergency
I do cashless cash stuffing and keep all of my money digital. I use prop notes that look and feel almost identical to real cash and track my categories the same way into envelopes. I loooove balancing my envelopes by checking that the totals match my account. It's still painful to remove prop money from envelope so it has definitely reigned in my spending like regular cash stuffing 😂
🥰💜💜
Trying to be debit free and save for a vacation my hubby is from South Carolina and would to go home to visit so we all can go. And we don't have any. Retirement saved trying to figure out how we can. In our 60s is hard
We are almost debt free, but we still budget for student loan payments and a down payment for a car.
Hi Emily. Do you know how much the Advent Calendar will be?
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Happy 4th of July and July 4th is my Birthday
Hi Emily, I budget for my property taxes/ escrow
New Subscriber here. Great stuffing…..
Thank you so so much! Welcome to the channel!
Great minds! I actually just posted a breakdown of my budget setup last week. 😊
For my short term sinking funds, my categories are:
+ Acts of Kindness
+ Books
+ Clothes
+ Date Night
+ Game Night
+ Haircuts
+ Hustle Sanely
+ Nails
+ Tattoos
+ Toiletries
+ Vacation
+ Wholesale
For my longer term sinking funds, my categories are:
+ Birthdays
+ Car (Emergency, Deductible, Registration, Insurance, Detailing, Oil Changes)
+ Christmas
+ Holidays (Mother's Day, Father's Day, Anniversary, Thanksgiving)
+ House (Deep Clean, HOA Dues, Organizing, Projects)
+ Medical (Copays, Emergency, MM Renewal, Gummies)
+ Otto (Meds, Vet, Vacation, Birthday)
+ Tiny Humans
Vet,dental,optical,emergency,month ahead,anniversaries,gifts,phone,laptop,stove,washer,dryer,aircon,grandkids,water,rates,electricity,supplements,scripts,tyres,car rego,caravan rego,car maintenance,vacation,mini vacay,drivers license,tv,vacuum,mattress,perfume,rainy day🥰
Great video my friend have a great week!! 27:00
Thank you! You too!
Hello , I was wandering do you do overseas shipping? I really want some of your envelopes and binders
Yes, I do!
@theaestheticdollar oh that's great I'll make sure to order from you when I have the chance to buy new envelopes and binders 💙💙
🙋🏻♀🙋🏻♀🙋🏻♀
Hiiiiii 🥰
I would love you to make me a binder with stuff it I don't know how to start it. I can pay you
Hi Emily! How are you? The town I live in had the fireworks last Saturday of June. I’m trying so hard to cash stuff but it’s either my sister or my niece needs help to pay their bills. I thought it was a good idea that we all live together to save money, idk 🤷♀️ anymore. Have a great day and God bless❤️
What happened to Antonio?
High school and college graduation gifts and parties
Weddings
Prom and high school senior year
Sporting season tickets or events
Electronics
Insurance auto and home
Vacations
Travel
New car
Home maintenance
Car maintenance
Gifts / birthdays
Car tags
Self care
Holidays
I am semi-retired so I can't really afford to do a $5000 or $10000 savings challenge but would love to do a $2000 or $2500 challenge.
The 2500 will be restocking as well!
Cash envelope with "fun money" all the money I have left one day before I get my salary goes in my fun money. I can spend it how I want
I really have to budget for the groomers, pet care, pet insurance, vet and paying off debt. I want to be debt free by February 2025.
Cheering you on big-time!
@@theaestheticdollar thank you so much 😊
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