I know that this seems really annoying and sad for you in the moment but this is literally what you cash stuff for. You put cash aside for emergencies. I know we get hung up on the categories but you’re in a much better position because you DONT have to swipe a credit card to cover something. That is a blessing.
you are sooo right!!! this is EXACTLY why we cash stuff! it was so difficult to accept at first because it wasn’t the plan I had. we are making it through! I posted an update just now 🩷
Girl I know the feeling… I had to pull all our sinking funds and savings challenges money as well months ago and it was so difficult to accept/swallow. I’m just grateful we had what we had. Still haven’t recovered and started stuffing them again because we got behind on bills and we are currently playing catch up, my fiance recently got a better paying job with benefits, so it’s gonna take a little time for us to get caught up so that I can get back to stuffing, but I empathize with you hun & sorry you had to pull that $$, it’s stressful for sure. Sending y’all love 💕 and positive vibes… a fresh start, you can build it back up.
Here is my take on this video. This is my opinion; other people don't have to agree with me. I see so many people in the cash staffing community and how they save and work the money into their different binders. It's lovely to see. But so many in the cash-stuffing community seem to treat the money as trophies like the money can't be touched. When push comes to shove in a situation like yours or some other emergency, you must use the money if you have it. At the end of the day, the money is there to help you out. Yes, this is a hard step backward, but you can still go forward after this.♥
This is real life…I am so glad you shared and you have to remember that it all was money you saved so you should be so proud that you could pull $2,740.00!! That’s amazing!!
This video broke my heart because I've been there. If you clear out your Anniversary and Christmas funds, you should be okay. You'll rebuild, but importantly, have a dependable vehicle for you and your kids! You also said you didn't need encouragement. Too bad, you're getting it: You're strong and amazing! You got moxie!! You were defeated, now pick yourself up, shake off that defeat and be amazing!! You got this!!!
Jenn this is what cash stuffing is all about. You have money in various areas, but may have to pull and add to one area ... in this case car maintenance. Clear our Christmas and anniversary and focus on the car being safe to use for your family. You have plenty of time to save for a scale back Christmas for the kids and Anniversary for y'all. Good luck and try not to stress out to much ♡.
Jen, I am so happy that you uploaded this video. This kind of situation does feel defeating, but we are going to go on the journey with you of rebuilding your sinking funds and your savings challenges. You got this!!!!!!
thank your errika! it was so defeating and I definitely shared my raw emotions and everything I was thinking in that moment of shock. but I have had some time to process and I am excited to start rebuilding!
The way I wanted to jump through the screen and just hug you so tight 🥺 thank you for posting this video, I can’t imagine how hard it was. But it’s the vulnerable videos that make you so relatable and it’s something I’ve always admired about you 🍓
Emily thank you so much! you have always been an inspiration to me and inspired me to restart my journey all those months ago! I appreciate your words of encouragement 🥹🩷
Seriously one of the best videos I've watched. We all experience these struggles at one level or another in our lives. It shows others they are not alone in their struggles. I can say you are honestly ahead of the game. Be glad you have that much money on hand. Sure you have to start over. You had that money ear marked for other things. But I have a feeling you will build it right back up again. Have faith you will make it through this. And another awesome point is you don't have to make a car payment plus have a car maintenance bill. I think you will be just fine. Head up girlie!
🥹🥹🥹thank you so much!!! it was difficult being so raw and vulnerable on camera when I try to always be so positive and happy. but thank you for being there with me through this initial shock. I posted an update video today would love if you checked it out 🩷
i've been there done that and still fallen short. I am so very thankful you uploaded this because IT IS LIFE and it's how it goes sometimes. So thank you for being vulnerable with us
My husband is also in the military (13 years Air Force, and currently deployed.) and we know how you feel. When we moved to Texas our truck broke down. We ended up spending $7,500 between our move and catalytic converters, and our savings was drained. Living on base literally saved what finances we had left. You have to do what you have to do. A year later we only have half of that saved up but we’re moving forward nonetheless. We had a lovely, quaint CHRISTmas; We had all we needed. You will get through this. Give it to God and God bless.❤
Hi Jen, so sorry you’re going through such a hard time with the vehicle. But don’t be so hard on yourself!! I know you mentioned being debt free and the car is paid off, but here’s my unpopular opinion, you have your sinking funds and other categories already poured into, I’d say not to deplete them and just get a credit card to pay the maintenance. But after a second opinion because I think there’s something cheaper out there for sure!! I wouldn’t deplete your other categories though, remember not everything is forever. You can still have those other things you’re saving for while paying a new CC off for the car maintenance, the money will come back but the memories and time won’t. Always remember that. And we’re cash stuffers, we can pay a card off with our eyes closed! 😂❤
@@MrsNewlywedMoney i completely understand i went through the exact same thing $4300 i have the money from my 10k savings challenge (2525) and a couple of my monthly’s but I really hate to give them that much money. I definitely understand this decision though for sure
yes!!! I discussed it with my husband and we decided not to deplete anniversary and christmas for that reason exactly! I uploaded a new video sharing our whole discussion 😅
Oh love it's gonna be okay! Car stuff can be overwhelming af! But definitely look into doing some things yourself vs with the dealership or mechanic. Buy a battery from Walmart or auto zone. You're not paying middle man prices. Super easy to change out yourself or even the guys from auto zone will do it free. Definitely under $500. Discount tires is another business that comes in clutch for tires! 700 for 2 tires is steep. BMW or not. Unless it's huge tires like on a truck. If you play your cards right you could get 2 tires an battery done for 1000-1200. An that's pushing it! Sis I'm telling you battery installing is easy I did mine myself with youtube. Auto zone will also check your battery an charge it for free an tell you what's wrong with it. The oil leak would def be a mechanic thing though. Praying for you girl you got a great jump start with what you have! Maybe even already enough! Shop around don't settle❤
thank you!!! my hubby is going to do the battery himself but we are waiting on it for now. and then the tires I am going to look at costco as well as at discount tire and see if they have any offers! I really needed to take a break and regroup 🤣 I am feeling better now that the initial shock wore off. I posted an update video this morning too 🩷
Hi Jen!! So grateful for you uploading this very brave video. It is real life and you’re such an inspiration for that. I’m sorry you’re going through this as well. I agree with a lot of the above comments but here’s my advice because I had to do this. I opted to not take from my sinking funds and just grab a small personal loan from the bank for $5K to pay for a transmission. Why? Because I would have been in more debt paying for the things with the sinking funds and hubby was just as tied to the money in the sinking funds and didn’t want to use money for different categories just from vehicle. It didn’t take us long to get back into a rhythm to pay it off and the required payments are so minimal, we’re throwing more and more to it each pay period. And I feel you on the UA-cam comparison. I have been doing this for a while and I’m no where near where you are and don’t even get half the views you do lol. But that’s not why I do it. It holds me accountable in my journey. I love watching your videos and hope you continue to still share journey with us.
girl thank you! I appreciate your advice and kind words! it’s difficult comparing yourself and getting in your head like that 😥 we discussed it and I uploaded a video sharing it all lol to be honest we are going to try to limit ourselves as much as possible to not add debt for any of the categories I emptied 🤣🤞
I know it's hard but that's why we do this ,you have the money pay it and start over don't go in debt and have the money sitting in envelopes you will get it all back and more
My heart breaks for you. I'm so with how you feel and agree with others that maybe it is time to get a new vehicle. From experience, once things start happening, I feel like more and more happens and then you are just putting so much into it. Prayers you figure it out and you can get your sinking funds back up. ❤❤
Just my 2 cents but i feel it may be better off to get a different vehicle with a good warranty. Not a super expensive vehicle, but a 2015 is already a bit old and i would worry all that would be fixed and then more goes wrong with it. I guess it depends how many miles are on your car and if you have a warranty covering engine or any super big things.
Just got to seeing your video and I asked my dad and uncle the car situation and they said to get a second opinion. Also that getting the oil leak first is definitely a smart move. They also both agreed that sometimes you have a simple issue that can cause another part of the car system to show up as "faulty" but the second it gets fixed all the other issues are also gone. My dad also said it's a good idea to get a second opinion because sometimes mechanics simply see what they are being told or just the upfront issues being shown by the car, that they don't look into the matter more deeply to see if there really is an issue or if it's a simple fix. Honestly, I broke my heart when I heard you gold back your tears. I definitely hope everything turns out OK. And never fix everything at once, just fix one thing at a time as you can. Stay strong!
Paying for car and household maintenance is stressful for many of us. I’m hopeful that you and your husband will figure something out. And maybe in a future video you could share how you navigated this unexpectedly high expense for those of us who are starting this budgeting journey. 🍓 ❤
I just went through the same. Pulled all I had, maxed all my cards for a $2,600 car repair. A month later, I ended up having to buy a new car. So now I have a new car while still repaying on a car I no longer have. It was a hard decision, but getting a new car may be the better option.
Yeah after hearing a number like that and all that's needed um I need a whole new vehicle and well I don't even drive Due to disability but that just sounds stressful!
Hi, you got this girl!! Thank you for posting this and sharing a real life situation while it is happening! I’m definitely subscribing to you now! ❤ I was in the Army and there are all kids of resources for Christmas and holidays. I never paid for any holiday meals or gifts while I was in. As far as a battery for your car try buying one from an auto part store and then see if one of the generator mechanics in the motor pool at your husband’s unit can install it!
omg yes girl! I love the military and how much they help. these days we try to leave those resources to the younger families 🩷 but we have gotten a few free meals over the years when we needed it! thank you for subbing 🥰
yes!! I completely lost sight of that in the moment! I was only thinking about what I didn’t have 😭 but I posted an update video and would love it if you check it out and let me know your thoughts!
Im sorry that this happened and it sucks! All I can say is this will pass and you will figure it out! Praying everything works out for you! Sending lots of encouragement and support! ❤
Don’t feel defeated friend! This happens to everyone! At least you are in a better place than you were a few years ago! Keep your head up this too shall pass! ❤
These things happen indeed it is real life. An unexpected expense wiped out my emergency fund and sinking funds at one point. My ultimate take away was thank goodness for the EF I didnt have to go into unwanted debt and that I have to keep adding to my EF for a bigger cushion. Take a moment to process. However as long as you have life you can start over. Do not be discouraged.
This video breaks my heart! I just went through THE SAME THING hun! I had a BMW that had a really bad oil leak and it was smoking and smelled so bad. I could keep driving my kids in it and ended up getting a new car. The amount of money it was going to cost to fix it was way more in my savings but i had to use that savings for my down-payment. So now im starting from scratch trying to build up my savings again with that car payment now. Im so sorry hun. I really hope things work out for you guys🤍🙏🏼
So so so sorry this is happening!! We haven’t had an expense like this yet but we have def had allll the unexpected things happen. Hoping things work out! 💚
Sending you all my love! I know how difficult it can be. You definitely should get a second opinion. When my boyfriend's car stopped working out of nowhere right when he was about to pay it off, they said it was going to cost $3k. We got a second opinion and spoke to the dealer manager, and it turned out we only had to pay for the battery! The fuel injector was under warranty and they try to say it wasn’t. Also the tires were fine for another few months. Some mechanic up charge for extra money! Please don’t be discouraged you got this! Praying for you and your family!
hi friend!!! you have always been so supportive thank you for being here and encouraging me. 🫶 I posted an update video today if you wanna check it out 🩷
Hey girl, no need to worry. I read the comments and a lot of people are saying to get a 2nd opinion which is 1 option. I love your channel, but don’t know your financial situation. Consider selling the car to Carmax, and get into something more reliable for you and your family, and keep your money that’s an 2nd option. I hope this helps. Also you can pick up a battery from Costco which I know they give you a credit for bringing in the old battery. Also, you can buy 2 used tires in the mean time a lot of local tire shops offer them for sale🙏❤️
I didn’t even know carmax will take cars that need repairs! I posted an update video and would love it if you check it out and let me know your thoughts!
I know it may seem overwhelming but you are in a blessed place. It's hard to see the picture when you are in the frame. As an outsider looking in, you have the money to do it, it's just an inconvenience to have to pull nit from other categories. You can handle this without going in to credit card dent. Bravo girl bravo!! No debt!! Celebrate your ability to manage money. I would use this as an opportunity to reevaluate your sinking funds. Do you have too many? do some funds need to be more prioritized? Ext. Maybe right now that's the only 3-5 that needs to to be funded for a few months to build them up fast . I had to do that. I was funding so many at once that nothing ever got fully funded or it took forever. I witched it up and that worked for me.
that is such a good expression! difficult to see the picture when you are in the frame!! I think I will be reevaluating my sinking funds to really narrow down the most important
Don't feel defeated. This is why we all cash stuff. When things(like car repairs) come up,you have the cash on hand. Things will work out in the end. Have faith!!
Keep your head up!! You were so vulnerable and REAL in this moment. This is life and reality for a LOT of people right now. If you have to fall back into debt to take care of basic necessities then that’s just what it is. But know that you have developed a muscle of discipline that won’t keep you in that space forever. It’s going to get better. Tough times don’t last forever but tough people do!! Praying for you and your family.❤
I had a 2003 Corolla I bought it cash $3500. It lasted 7 years. When it started acting up I would get stuff fixed but after spending over $1k and it still would not pass emissions. I decided to trade her in. I now have a 2014 Corolla with only 55k sometimes getting a car note is worth it. Get a second opinion first though.
New subbie! I love your cash wallet it's so cute! Keep your head up. Finances are definitely an up and down kinda wave so you just need to be able to ride the wave with your head out of the water. Great video and keep doing what you do best. 🩷
When my husband moved us with the military we had to have our things weighed and then the army paid whatever the weight difference was off the trailer. I don't know if they still do that. I always had to shave his head and cut the kids hair. Hair cuts were free in our house. I've been able to cut my own hair too. We had a family resource center while he was in the army. They could answer any questions I had.
Hey Jen, car repairs are expensive but don’t fret. You will hopefully get it done for a cheaper price and prayerfully you have enough funds in your other envelopes to cover the cost. Sending hugs 🤗
Im sorry you're going through this ❤🍓 i pray you get through this starting with what is defiantly like top on this list that needs done now hope to hear an update but you guys wi get through this font lose faith.
I'm praying for you this is too real. I've been there not once or twice but a lot, so I feel your pain, but know that it will be rewarding in the end. Keep on doing what you do best, that is cash stuffing, and you will be back where you were . Love the video girl 💜💜
Oh sweetie I know how your feeling but how amazing is it that you didn’t have to go into debt that you had the money I’m so proud of you for that I took a break for a similar reason
So sorry 😢 I also had to empty my binders to pay for car repairs last week 😭 I would definitely get a second opinion 🧡 sending you love & strength from 🇬🇧 xx🧡🦊🧡
💜Sorry about your car. I had to do the same few months ago for the same thing with my husband’s car. We just have to start over and keep pushing through. It will be ok💜
Thank you for uploading your video of real life situations. The blessing is remaining debt free and having liquid cash to cover emergencies. You will have your sinking funds rebuild in no time. You got this!
Girl you can do it. Just empty it out except for Christmas and anniversary. This will be a way for you to show that everyone can start from scratch and make their way back up again. We can all do it together.
Thank you for transparency and showing people that noones life is empty of worries, it is important reminded for everyday for us to be grateful of for we did, saved or sacrificed and we will do in the future, you are strong and good minded lady, I wish you and your family live struggle free soon
It will be ok....Take a breath....You can do this. ask the auto shop if they can breakdown the repairs from most needed to least needed...then you can budget your money. Is there any other place you can take it? I would leave Sammy's money....You can do a hair cut out of it if needed. Just imagine if you didn't have this? You've done so good at saving, and this is what it was for....Please don't feel defeated....You are actually winning. You are more prepared than so many people. I was in a similar situation at the beginning of summer...I had to have an unplanned surgery, and I was so thankful that I had started cash stuffing. I was able to pay the emergency room bill, most of the surgery, testing, and the things that are still ongoing. I promise, you can do this. From one momma to another, I'm praying for you. 💘🍓
So sorry this has happened. It’s no fun! Life will always keep throwing things your way. Thank Heavens you had been cash stuffing & saving!!!👍🏼 Bless your heart! Don’t beat yourself up! I would definitely get a second opinion. There are ways to save money with repairs. You’ll be ok🫶🏼
I can relate to the texts/calls when you’re trying to record… it makes me want to flip my lid 🤬 “WHO IS DYING!?” lol you can’t even focus.. but you handled it well 🫶🏾💓
Also maybe you can get used tires in the meantime until u rebuild your savings for new tires. Don't get discouraged I know car repairs can be a doozy especially when they are unexpected. It will all work out there's always a way u & your husband will be just fine. Sending hugs your way 🤗🙏🏾🥰
I get what everyone is saying about " this is the point of saving up for these rainy days" but car shops care notorious for ripping people off... I grew up in shops and work at a car shop currantly and I can't tell you how many horror stories I get of people getting told they need everything right now or your cars gunna explode when sometimes it something very minor or doesn't need half of what they were quoted. Not saying their wrong but its worth having a second opnion. Don't go to jeffy lubes / Firestones or other related chain stores. They will rip you off given the chance. Go to your mom and pop mechanic whos been doing it forever / knows his stuff and wont throw 100 parts at your car trying to fix one problem. If anything ask them time frames like "can this wait till my next oil change or " so depending how long you have till your next oil change ( 1 or 5 thousand miles give or take) will give you time to save for the next repair.
car maintenance is the most stressful thing!! i have to get new tires this month and i have been putting it off bc of the cost. i have been avoiding driving bc of them. it's so discouraging. i understand your feelings!
Girl, I feel your pain having to take out all your savings. I recently had to do that because my university wouldn't finance 20% of my tuition because I already have a student loan. Like, it's not difficult to even pay that 20% I lost my job in February and have been doing some things here and there but I didn't have the severance pay I usually used to pay for that 20% of my tuition every semester. It's so frustrating to see all that hard work go to something else but on the bright side, at least I had something. Sending you hugs.
I’m sorry something major popped up….i understand the frustration of money…just hang in there. I will keep you guys in my prayers that everything will work out. Talk with your husband and see what you can do without touching those three envelopes….keep your head up and breathe…. We will be here to support you❤❤
I am so sorry this happened to you. You are right for telling them to just fix what you can afford for now, then get the battery and then the tires. You can get a battery at Wal-Mart for less money. You can do this and the money can be replaced. You are strong and resilient. This is an emergency, using that money is what you saved for. Don't beat yourself up.
Be encouraged! Also thank you for your service as a military family! ❤ Just a suggestion. I would take the money out of anniversary. Downsize your anniversary and spend it in the car with a small picnic basket. It’ll make it a wonderful memory about how you and your hubby pulled together to address a problem. Plus, I think it would be romantic. 😃 Be blessed!
I know it sucks, but you will rebuild your funds. If you to use credit then at least you don't have to put the full amount on them and I'm positive you'll pay it off in no time
I know it’s frustrating, trust me I’ve been here so many times. But you had money to pull and that’s the bright side even if it came from categories you hadn’t necessarily planned it for. You’ve got this.
I'm new to your channel. I just started cash stuff myself. I'm very sorry your going through this. I know how you feel it seems like one thing after another. Hopefully, things get sorted out for you and your family.
hi! welcome to my channel! sorry this video was the first one and it was kinda sad 🤣 but I posted an update video and would love it if you check it out and let me know your thoughts!
This is the stuff we like (but dont like) to see. Its real life. Definitely think you should get a car envelope. I'm hitting subscribe for the realness ❤
Hi Jennifer 👋🏼, new subbie here. I'm sorry you're going through this, but I know how you feel. When my husband's semi-truck breaks down, I feel sick to my stomach because I know it's gonna cost 💰. But don't give up. Keep going. There is light at the end. I enjoyed your video
oh my gosh yes with a semi I can only imagine the costs!! thank you for subscribing 🫶 also, I posted an update video and would love it if you check it out and let me know your thoughts!
I would find a credit card that has an 18-month 0% interest rate and just pay it off in the 18 months. I think you would overall be in a better position. Also, replace the battery now instead of waiting it could end up killing the alternator, which you would then have to replace both.
I’m not going to lie I had to start over twice due to fixing plumbing issues I feel u and it will get better right now we are focusing on my daughter birthday and Christmas and stuff for the car but omg life sometimes just life’s us but at least u have some of the money u know sometimes people can’t even come up with half or anything so keep ur head up stuff will happen
I know how you feel my sister passed and I had to empty all my challenges to help pay for some of the cost it cost us 20.000 to lay her to rest the good thing is that even though I had to start over my envelopes are getting stuffed again we save with our challenges for emergencies so don’t feel bad using the money
I had to take cash from my envelopes for an emergency repair on my house. Did it suck, yes but it has motivated me to keep going. Besides the cash is there for emergencies and be proud of yourself for having it available ❤️❤️
I feel you on that. I literally started cash stuffing journey mid september2024. and I keep searching for someone who has a similar situation as mine on you tube. I feel that most youtubers that are cash stuffing have side hustle, second job, and extra money coming in. I'm a 9-5 girl with only one income can't even afford starting a you tube channel even if I wanted to. plus there is so much competition on you tube about cash stuffing. Oh and I don't drive LOL so I can't even do uber/lift . I have been thinking about just forgetting about cash stuffing and finding another way.
it can be so difficult and discouraging at times but I always find myself coming back to cash stuffing because it’s a fool proof way of making sure you don’t go over budget! I just posted a new video today would love it if you check it out
Hi Jen. Sorry that you are going through this. I guess this is what life is about. I am also about to remove funds from my sinking funds to move to an apt. on my own. So I have to come up with first last and security it is very stressful. It we will pick ourselves back up. Stay strong girl ❤❤❤
hey girl I hope you are doing better and settling into your new space!! you’re right we will get through this! I posted an update video and would love it if you check it out and let me know your thoughts!
Whew. I didn’t know I’d get emotional watching this cash stuffing video. 😭 I’m currently 6 months pregnant and feeling very defeated. Trying to get by day by day with my 3 littles. So this is definitely hard especially right now. Hopefully in the next few months we’ll all be able to do what we wanna do and still be financially able. God bless! 💜 we will get through this storm!
congratulations on your littlest love! and thank you for showing empathy for my situation! I truly appreciate the love and support. I just posted an update incase you’d like to check it out 🫶 stay strong mama we will get through this 💪
This is what cash stuffing is for. I just had to deplete not only my savings, but also half of my son's to cover vet costs. I spoke to my son (he's 15) and he said that it's just money, it can be built back up
Oh man. I too have a video un-stuffing savings challenges to repair my car. I have heard from multiple people that it is a common issue with BMWs and oil leaks. Unfortunately you purchased a German vehicle so the production cost and repairs are HEFTY. (this is not attacking you, just a fact of the matter). Yes, it is EXTREMELY defeating when you have to pull money from other places. It is great you do not want to put a large purchase on credit cards. Unfortunately if your hubby really needs this car don't feel bad that you will pull from an emergency fund, cus this in fact, is an emergency. You are more likely to replenish your emergency fund than to pay off a credit card with interest. I would consider going with Honda, Toyota, or some more affordable car next time. Depending on who you go to - to repair your vehicle, they may not charge you taxes if you pay in cash. At least that is what they do where I take my car - not a dealership service place. Every mechanic I ask about the issues my car had always tell me that the dealerships over charge. I would call other mechanic shops to ask how much for what your car needs. There are a few things I learned with my car hardships.. 1. It is a good thing (not really lol) you started this cash saving process and now know how much you could possibly be spending in the future. Start a sinking fund for car. 2. Costco sells car batteries and tires, they also install tires with purchase, I believe some brands are currently on sale. 3. I created a sinking fund for 3 main things. Tires, Maintenance/Repairs, Registration (depending what state you live in, registration fees may vary) Let me know if you have any questions, I'll probably add more later heheheehe.
A good mechanic would say you might wanna look into a new car. Also never go to the company find a local because the companies will charge $60 for a window wiper while you yourself can buy one at Walmart for $7-$15 or a local car store and either do it yourself or have a mechanic do it for you
oh goodness so sorry that happened, I too have been there where I think I'm ahead and I've had to pull my money from each envelope I had, stressed me out.
I would get a second opinion on the car. how are you going in for one thing and they tell you that you need tires too? Seems like they are trying to get more money out of you. I drove a 325i and had a similar issue the repares weren’t 3-4k for a oil leak and replacing all fuel injectors and spark plugs
from what they explained it was just part of their safety review to let us know we needed the tires (they don’t even sell tires there haha) but I am feeling better! I posted an update video and would love it if you check it out and let me know what you think !
I feel like so many people are having car issues right now! so many of the comments here are people saying the same thing 😭😭😭 we will get through it! posted an update video today would love if you checked it out 🩷
Let me say this. I do not do cash stuffing anymore, but your problem is not exclusive to cash stuffing. If you need to use one of your sinking funds and they are not fully funded, you may need to reach into a different one for the sake of taking care of it. It is obviously not ideal... but compared to people who have nothing at all in savings, it is a blessing to have the money period, no matter what category it comes from. I don't do cash stuffing because I now keep my sinking funds and savings in a HYSA to earn interest on my money, but I still keep my spreadsheet to see what sinking fund has what balance, because I still divide my deposits into my savings into sinking funds. So yeah... your observation is not exclusive to cash stuffing.
I'm sorry this happened. Most of the cost goes to labor; if you look at the receipt, you'll see parts aren't too bad. Buy the battery and tires elsewhere. Don't buy everything the car dealer says you need from them. America's tire, Sam's Club and Costco have good and less expensive options for batteries and tires. You'll be okay! Prayers.
I started budgeting as well, and I was so excited saving all this money.. then a storm hit and a leaky skylight. Then another issue came and now everything saved is gone and I’m starting over as well. Which is why I haven’t been uploading. I have nothing to stuff at the moment! 😂
I just went through where I had to empty all my envelopes and had to start all over again. It was one of the hardest things I had to do but I was thankful I had some of the money in cash.
yes yes yes! I think I was just so focused on what I was “losing” that I forgot to realize it’s a blessing I had over half of it! 🩷posted an update video and would love it if you check it out and let me know your thoughts!
I’m so sorry. Maybe consider getting the necessary safety stuff done and see if anything can wait? Also consider doing routine maintenance so that you’re not hit with a big bill all at once
I have posted an update video! please go check it out after watching and let me know your thoughts on how we discussed and decided to move forward
I know that this seems really annoying and sad for you in the moment but this is literally what you cash stuff for. You put cash aside for emergencies. I know we get hung up on the categories but you’re in a much better position because you DONT have to swipe a credit card to cover something. That is a blessing.
you are sooo right!!! this is EXACTLY why we cash stuff! it was so difficult to accept at first because it wasn’t the plan I had. we are making it through! I posted an update just now 🩷
Girl I know the feeling… I had to pull all our sinking funds and savings challenges money as well months ago and it was so difficult to accept/swallow. I’m just grateful we had what we had. Still haven’t recovered and started stuffing them again because we got behind on bills and we are currently playing catch up, my fiance recently got a better paying job with benefits, so it’s gonna take a little time for us to get caught up so that I can get back to stuffing, but I empathize with you hun & sorry you had to pull that $$, it’s stressful for sure. Sending y’all love 💕 and positive vibes… a fresh start, you can build it back up.
Here is my take on this video. This is my opinion; other people don't have to agree with me.
I see so many people in the cash staffing community and how they save and work the money into their different binders. It's lovely to see. But so many in the cash-stuffing community seem to treat the money as trophies like the money can't be touched. When push comes to shove in a situation like yours or some other emergency, you must use the money if you have it.
At the end of the day, the money is there to help you out. Yes, this is a hard step backward, but you can still go forward after this.♥
This is real life…I am so glad you shared and you have to remember that it all was money you saved so you should be so proud that you could pull $2,740.00!! That’s amazing!!
😭😭😭😭 THANK YOU!!! (happy tears) it’s good to get this reminder that we were able to save all of that money! I posted an update 🩷
This video broke my heart because I've been there. If you clear out your Anniversary and Christmas funds, you should be okay. You'll rebuild, but importantly, have a dependable vehicle for you and your kids! You also said you didn't need encouragement. Too bad, you're getting it: You're strong and amazing! You got moxie!! You were defeated, now pick yourself up, shake off that defeat and be amazing!! You got this!!!
Jenn this is what cash stuffing is all about. You have money in various areas, but may have to pull and add to one area ... in this case car maintenance.
Clear our Christmas and anniversary and focus on the car being safe to use for your family. You have plenty of time to save for a scale back Christmas for the kids and Anniversary for y'all.
Good luck and try not to stress out to much ♡.
🥹🥹thank you!! I did end up leaving anniversary and christmas but we are feeling much better now! I posted an update video 🥰
Jen, I am so happy that you uploaded this video. This kind of situation does feel defeating, but we are going to go on the journey with you of rebuilding your sinking funds and your savings challenges. You got this!!!!!!
thank your errika! it was so defeating and I definitely shared my raw emotions and everything I was thinking in that moment of shock. but I have had some time to process and I am excited to start rebuilding!
The way I wanted to jump through the screen and just hug you so tight 🥺 thank you for posting this video, I can’t imagine how hard it was. But it’s the vulnerable videos that make you so relatable and it’s something I’ve always admired about you 🍓
Emily thank you so much! you have always been an inspiration to me and inspired me to restart my journey all those months ago! I appreciate your words of encouragement 🥹🩷
Seriously one of the best videos I've watched. We all experience these struggles at one level or another in our lives. It shows others they are not alone in their struggles. I can say you are honestly ahead of the game. Be glad you have that much money on hand. Sure you have to start over. You had that money ear marked for other things. But I have a feeling you will build it right back up again. Have faith you will make it through this. And another awesome point is you don't have to make a car payment plus have a car maintenance bill. I think you will be just fine. Head up girlie!
🥹🥹🥹thank you so much!!! it was difficult being so raw and vulnerable on camera when I try to always be so positive and happy. but thank you for being there with me through this initial shock. I posted an update video today would love if you checked it out 🩷
i've been there done that and still fallen short. I am so very thankful you uploaded this because IT IS LIFE and it's how it goes sometimes. So thank you for being vulnerable with us
yes!!! this is real life!! I am happy I was able
to share this difficult time so many can relate to
My husband is also in the military (13 years Air Force, and currently deployed.) and we know how you feel. When we moved to Texas our truck broke down. We ended up spending $7,500 between our move and catalytic converters, and our savings was drained. Living on base literally saved what finances we had left. You have to do what you have to do. A year later we only have half of that saved up but we’re moving forward nonetheless. We had a lovely, quaint CHRISTmas; We had all we needed. You will get through this. Give it to God and God bless.❤
Hi Jen, so sorry you’re going through such a hard time with the vehicle. But don’t be so hard on yourself!! I know you mentioned being debt free and the car is paid off, but here’s my unpopular opinion, you have your sinking funds and other categories already poured into, I’d say not to deplete them and just get a credit card to pay the maintenance. But after a second opinion because I think there’s something cheaper out there for sure!! I wouldn’t deplete your other categories though, remember not everything is forever. You can still have those other things you’re saving for while paying a new CC off for the car maintenance, the money will come back but the memories and time won’t. Always remember that. And we’re cash stuffers, we can pay a card off with our eyes closed! 😂❤
Came here to say this! I agree with this!
@@MrsNewlywedMoney i completely understand i went through the exact same thing $4300 i have the money from my 10k savings challenge (2525) and a couple of my monthly’s but I really hate to give them that much money. I definitely understand this decision though for sure
@@MrsNewlywedMoneyI agree as well. Perhaps getting a cash back credit card for this expense.
yes!!! I discussed it with my husband and we decided not to deplete anniversary and christmas for that reason exactly! I uploaded a new video sharing our whole discussion 😅
@@StrawberryMoney gonna go watch now!!
Don't get discouraged. Take that Christmas and anniversary money. You can rebuild those sinking funds .
So glad your back my beautiful friend never compare to other cash stuffers everybody’s budgeting journey is different xxx
Emma grace! hi friend! yes I have been trying so hard not to compare myself to other budgeters and content creators 😭
Oh love it's gonna be okay! Car stuff can be overwhelming af! But definitely look into doing some things yourself vs with the dealership or mechanic. Buy a battery from Walmart or auto zone. You're not paying middle man prices. Super easy to change out yourself or even the guys from auto zone will do it free. Definitely under $500. Discount tires is another business that comes in clutch for tires! 700 for 2 tires is steep. BMW or not. Unless it's huge tires like on a truck. If you play your cards right you could get 2 tires an battery done for 1000-1200. An that's pushing it! Sis I'm telling you battery installing is easy I did mine myself with youtube. Auto zone will also check your battery an charge it for free an tell you what's wrong with it. The oil leak would def be a mechanic thing though. Praying for you girl you got a great jump start with what you have! Maybe even already enough! Shop around don't settle❤
thank you!!! my hubby is going to do the battery himself but we are waiting on it for now. and then the tires I am going to look at costco as well as at discount tire and see if they have any offers! I really needed to take a break and regroup 🤣 I am feeling better now that the initial shock wore off. I posted an update video this morning too 🩷
Hey girl... remember this is only temporary, life happens & everyones journey is different. keep your head up 🤩
Hi Jen!! So grateful for you uploading this very brave video. It is real life and you’re such an inspiration for that. I’m sorry you’re going through this as well. I agree with a lot of the above comments but here’s my advice because I had to do this.
I opted to not take from my sinking funds and just grab a small personal loan from the bank for $5K to pay for a transmission.
Why? Because I would have been in more debt paying for the things with the sinking funds and hubby was just as tied to the money in the sinking funds and didn’t want to use money for different categories just from vehicle.
It didn’t take us long to get back into a rhythm to pay it off and the required payments are so minimal, we’re throwing more and more to it each pay period.
And I feel you on the UA-cam comparison. I have been doing this for a while and I’m no where near where you are and don’t even get half the views you do lol. But that’s not why I do it. It holds me accountable in my journey. I love watching your videos and hope you continue to still share journey with us.
girl thank you! I appreciate your advice and kind words! it’s difficult comparing yourself and getting in your head like that 😥
we discussed it and I uploaded a video sharing it all lol to be honest we are going to try to limit ourselves as much as possible to not add debt for any of the categories I emptied 🤣🤞
I know it's hard but that's why we do this ,you have the money pay it and start over don't go in debt and have the money sitting in envelopes you will get it all back and more
thank you for the encouragement 🥹
My heart breaks for you. I'm so with how you feel and agree with others that maybe it is time to get a new vehicle. From experience, once things start happening, I feel like more and more happens and then you are just putting so much into it. Prayers you figure it out and you can get your sinking funds back up. ❤❤
Just my 2 cents but i feel it may be better off to get a different vehicle with a good warranty. Not a super expensive vehicle, but a 2015 is already a bit old and i would worry all that would be fixed and then more goes wrong with it. I guess it depends how many miles are on your car and if you have a warranty covering engine or any super big things.
yes! i am hoping and praying this will be the last big cost and then we can trade it in or sell in in a year or two!
I posted an update video today if you wanna check it out 🩷
Hi! Thank you so much for uploading and sharing. I would definitely get a second opinion on the repairs.
Ugh.. I feel for you. I am so sorry that you are going through this but I pet you will get through it ❤
Just got to seeing your video and I asked my dad and uncle the car situation and they said to get a second opinion. Also that getting the oil leak first is definitely a smart move. They also both agreed that sometimes you have a simple issue that can cause another part of the car system to show up as "faulty" but the second it gets fixed all the other issues are also gone. My dad also said it's a good idea to get a second opinion because sometimes mechanics simply see what they are being told or just the upfront issues being shown by the car, that they don't look into the matter more deeply to see if there really is an issue or if it's a simple fix.
Honestly, I broke my heart when I heard you gold back your tears. I definitely hope everything turns out OK. And never fix everything at once, just fix one thing at a time as you can. Stay strong!
Jenn; it's going to be ok,hun .Just count on your blessing that you are able to save. Unlike me, I'm still trying to succeed like you hun.
Paying for car and household maintenance is stressful for many of us. I’m hopeful that you and your husband will figure something out. And maybe in a future video you could share how you navigated this unexpectedly high expense for those of us who are starting this budgeting journey. 🍓 ❤
I posted an update video today please let me know what you think!! 🩷🩷 I feel like we are handling it better now than my initial reaction 😭
You will be back in no time that’s what we cash stuff for 🥂💖✨ don’t let this emergency discourage you , you got this ❤️
I just went through the same. Pulled all I had, maxed all my cards for a $2,600 car repair. A month later, I ended up having to buy a new car. So now I have a new car while still repaying on a car I no longer have. It was a hard decision, but getting a new car may be the better option.
Yeah after hearing a number like that and all that's needed um I need a whole new vehicle and well I don't even drive Due to disability but that just sounds stressful!
Hi, you got this girl!! Thank you for posting this and sharing a real life situation while it is happening! I’m definitely subscribing to you now! ❤ I was in the Army and there are all kids of resources for Christmas and holidays. I never paid for any holiday meals or gifts while I was in. As far as a battery for your car try buying one from an auto part store and then see if one of the generator mechanics in the motor pool at your husband’s unit can install it!
omg yes girl! I love the military and how much they help. these days we try to leave those resources to the younger families 🩷 but we have gotten a few free meals over the years when we needed it! thank you for subbing 🥰
Thank goodness for cash stuffing! I’m so happy u have over half of it saved that’s huge!! Don’t be so hard on yourself, it’s ok!!! ❤
yes!! I completely lost sight of that in the moment! I was only thinking about what I didn’t have 😭 but I posted an update video and would love it if you check it out and let me know your thoughts!
Im sorry that this happened and it sucks! All I can say is this will pass and you will figure it out! Praying everything works out for you! Sending lots of encouragement and support! ❤
Hey Jen, sorry to hear about your struggle...just know that you GOT THIS and this to shall pass!
Don’t feel defeated friend! This happens to everyone! At least you are in a better place than you were a few years ago! Keep your head up this too shall pass! ❤
These things happen indeed it is real life. An unexpected expense wiped out my emergency fund and sinking funds at one point. My ultimate take away was thank goodness for the EF I didnt have to go into unwanted debt and that I have to keep adding to my EF for a bigger cushion. Take a moment to process. However as long as you have life you can start over. Do not be discouraged.
I totally understand the struggles of car maintenance ❤ i pray for better days and for your car may it gets fixed for way less
i hope you're okay lovely, take all the time you need ❤❤❤ sending hugs x
This video breaks my heart! I just went through THE SAME THING hun! I had a BMW that had a really bad oil leak and it was smoking and smelled so bad. I could keep driving my kids in it and ended up getting a new car. The amount of money it was going to cost to fix it was way more in my savings but i had to use that savings for my down-payment. So now im starting from scratch trying to build up my savings again with that car payment now. Im so sorry hun. I really hope things work out for you guys🤍🙏🏼
So so so sorry this is happening!! We haven’t had an expense like this yet but we have def had allll the unexpected things happen. Hoping things work out! 💚
Sending you all my love! I know how difficult it can be. You definitely should get a second opinion. When my boyfriend's car stopped working out of nowhere right when he was about to pay it off, they said it was going to cost $3k. We got a second opinion and spoke to the dealer manager, and it turned out we only had to pay for the battery! The fuel injector was under warranty and they try to say it wasn’t. Also the tires were fine for another few months. Some mechanic up charge for extra money! Please don’t be discouraged you got this! Praying for you and your family!
They even try to charge for spark plugs that were in great condition still for an extra $500.00.
omg yes!!!!!!!! they tried telling us that price at the dealer and we were like oh hell no 👎 hahaha
I posted an update video today if you wanna check it out 🩷
One day at a time. It will all be ok at the end. I am sure you will both find the best solution for your family. ❤
thank you I posted an update video 🩷
Aww Jenn! I feel you on the vehicle maintenance stuff! Hope life gets better soon! Take care and take all the time you need🩷
hi friend!!! you have always been so supportive thank you for being here and encouraging me. 🫶 I posted an update video today if you wanna check it out 🩷
Hey girl, no need to worry. I read the comments and a lot of people are saying to get a 2nd opinion which is 1 option. I love your channel, but don’t know your financial situation. Consider selling the car to Carmax, and get into something more reliable for you and your family, and keep your money that’s an 2nd option. I hope this helps. Also you can pick up a battery from Costco which I know they give you a credit for bringing in the old battery. Also, you can buy 2 used tires in the mean time a lot of local tire shops offer them for sale🙏❤️
I didn’t even know carmax will take cars that need repairs! I posted an update video and would love it if you check it out and let me know your thoughts!
I know it may seem overwhelming but you are in a blessed place. It's hard to see the picture when you are in the frame. As an outsider looking in, you have the money to do it, it's just an inconvenience to have to pull nit from other categories. You can handle this without going in to credit card dent. Bravo girl bravo!! No debt!! Celebrate your ability to manage money. I would use this as an opportunity to reevaluate your sinking funds. Do you have too many? do some funds need to be more prioritized? Ext. Maybe right now that's the only 3-5 that needs to to be funded for a few months to build them up fast . I had to do that. I was funding so many at once that nothing ever got fully funded or it took forever. I witched it up and that worked for me.
that is such a good expression! difficult to see the picture when you are in the frame!! I think I will be reevaluating my sinking funds to really narrow down the most important
Don't feel defeated. This is why we all cash stuff. When things(like car repairs) come up,you have the cash on hand. Things will work out in the end. Have faith!!
Keep your head up!! You were so vulnerable and REAL in this moment. This is life and reality for a LOT of people right now. If you have to fall back into debt to take care of basic necessities then that’s just what it is. But know that you have developed a muscle of discipline that won’t keep you in that space forever. It’s going to get better. Tough times don’t last forever but tough people do!! Praying for you and your family.❤
yes!!!! thank you for the encouragement and reminder that discipline will get us through this!!! I just uploaded an update 🩷
So glad I found your channel💕 & thank you for still uploading! I know many of us can relate to how you’re feeling in this moment🥺
I had a 2003 Corolla I bought it cash $3500. It lasted 7 years. When it started acting up I would get stuff fixed but after spending over $1k and it still would not pass emissions. I decided to trade her in. I now have a 2014 Corolla with only 55k sometimes getting a car note is worth it. Get a second opinion first though.
New subbie! I love your cash wallet it's so cute! Keep your head up. Finances are definitely an up and down kinda wave so you just need to be able to ride the wave with your head out of the water. Great video and keep doing what you do best. 🩷
Thank you so much!! and welcome!! you came at a good time cause I have a new video out today
When my husband moved us with the military we had to have our things weighed and then the army paid whatever the weight difference was off the trailer. I don't know if they still do that. I always had to shave his head and cut the kids hair. Hair cuts were free in our house. I've been able to cut my own hair too. We had a family resource center while he was in the army. They could answer any questions I had.
Hey Jen, car repairs are expensive but don’t fret. You will hopefully get it done for a cheaper price and prayerfully you have enough funds in your other envelopes to cover the cost. Sending hugs 🤗
hi my friend!!!! I am feeling better now ☺️☺️ I posted an update video today would love if you checked it out 🩷
@@StrawberryMoney I’m glad you’re feeling better now. I’m headed over to watch now❤️
Omg I can totally relate to car trouble 🤦♀️ And it always comes at the worst time. I wish you the best with everything. Great cash stuffing video 💕🫶
thank you!!! I think we are finally at a good spot again 😅
@ Your welcome and that is awesome 🤗💕
Im sorry you're going through this ❤🍓 i pray you get through this starting with what is defiantly like top on this list that needs done now hope to hear an update but you guys wi get through this font lose faith.
🍓🍓🍓🍓thank you for the kind words!! I posted an update video today would love if you checked it out 🩷
I'm praying for you this is too real. I've been there not once or twice but a lot, so I feel your pain, but know that it will be rewarding in the end. Keep on doing what you do best, that is cash stuffing, and you will be back where you were . Love the video girl 💜💜
Oh sweetie I know how your feeling but how amazing is it that you didn’t have to go into debt that you had the money I’m so proud of you for that I took a break for a similar reason
thank you april!! we will make it through 💪
So sorry 😢 I also had to empty my binders to pay for car repairs last week 😭 I would definitely get a second opinion 🧡 sending you love & strength from 🇬🇧 xx🧡🦊🧡
💜Sorry about your car. I had to do the same few months ago for the same thing with my husband’s car. We just have to start over and keep pushing through. It will be ok💜
hi friend!! oh no!! sorry you guys were dealing with this mess too 💔
Thank you for uploading your video of real life situations. The blessing is remaining debt free and having liquid cash to cover emergencies. You will have your sinking funds rebuild in no time. You got this!
Would you be able to get a 2nd opinion on the car maintenance?
Girl you can do it. Just empty it out except for Christmas and anniversary. This will be a way for you to show that everyone can start from scratch and make their way back up again. We can all do it together.
Thank you for transparency and showing people that noones life is empty of worries, it is important reminded for everyday for us to be grateful of for we did, saved or sacrificed and we will do in the future, you are strong and good minded lady, I wish you and your family live struggle free soon
Hope you went to see if another place can fix it cheaper. Take it some where else.
It will be ok....Take a breath....You can do this.
ask the auto shop if they can breakdown the repairs from most needed to least needed...then you can budget your money.
Is there any other place you can take it?
I would leave Sammy's money....You can do a hair cut out of it if needed. Just imagine if you didn't have this? You've done so good at saving, and this is what it was for....Please don't feel defeated....You are actually winning. You are more prepared than so many people. I was in a similar situation at the beginning of summer...I had to have an unplanned surgery, and I was so thankful that I had started cash stuffing. I was able to pay the emergency room bill, most of the surgery, testing, and the things that are still ongoing. I promise, you can do this. From one momma to another, I'm praying for you.
💘🍓
I'm so sorry for what you are dealing with 😢 I know it can be overwhelming!!
thank you! 🥹
So sorry this has happened. It’s no fun! Life will always keep throwing things your way. Thank Heavens you had been cash stuffing & saving!!!👍🏼 Bless your heart! Don’t beat yourself up! I would definitely get a second opinion. There are ways to save money with repairs. You’ll be ok🫶🏼
I can relate to the texts/calls when you’re trying to record… it makes me want to flip my lid 🤬 “WHO IS DYING!?” lol you can’t even focus.. but you handled it well 🫶🏾💓
Also maybe you can get used tires in the meantime until u rebuild your savings for new tires. Don't get discouraged I know car repairs can be a doozy especially when they are unexpected. It will all work out there's always a way u & your husband will be just fine. Sending hugs your way 🤗🙏🏾🥰
I'm trying to do this. It's all new to me! I see what have left for the end of August. It's not what I thought I had! 😮
I get what everyone is saying about " this is the point of saving up for these rainy days" but car shops care notorious for ripping people off... I grew up in shops and work at a car shop currantly and I can't tell you how many horror stories I get of people getting told they need everything right now or your cars gunna explode when sometimes it something very minor or doesn't need half of what they were quoted. Not saying their wrong but its worth having a second opnion.
Don't go to jeffy lubes / Firestones or other related chain stores. They will rip you off given the chance.
Go to your mom and pop mechanic whos been doing it forever / knows his stuff and wont throw 100 parts at your car trying to fix one problem.
If anything ask them time frames like "can this wait till my next oil change or " so depending how long you have till your next oil change ( 1 or 5 thousand miles give or take) will give you time to save for the next repair.
My 2016 Mercedes needs a new turbo and oil fuel pump. $6500! I have my car parked right now. I think I’m just going to finance the repairs. I get it.
car maintenance is the most stressful thing!! i have to get new tires this month and i have been putting it off bc of the cost. i have been avoiding driving bc of them. it's so discouraging. i understand your feelings!
thank you! it helps to know I am not alone in these feelings but we will get through it together 💪
Girl, I feel your pain having to take out all your savings. I recently had to do that because my university wouldn't finance 20% of my tuition because I already have a student loan. Like, it's not difficult to even pay that 20% I lost my job in February and have been doing some things here and there but I didn't have the severance pay I usually used to pay for that 20% of my tuition every semester. It's so frustrating to see all that hard work go to something else but on the bright side, at least I had something. Sending you hugs.
❤❤❤ it will all work out. Keep your head up friend!
I’m sorry something major popped up….i understand the frustration of money…just hang in there. I will keep you guys in my prayers that everything will work out. Talk with your husband and see what you can do without touching those three envelopes….keep your head up and breathe…. We will be here to support you❤❤
thank you so much!!
I am so sorry this happened to you. You are right for telling them to just fix what you can afford for now, then get the battery and then the tires. You can get a battery at Wal-Mart for less money. You can do this and the money can be replaced. You are strong and resilient. This is an emergency, using that money is what you saved for. Don't beat yourself up.
Be encouraged! Also thank you for your service as a military family! ❤
Just a suggestion. I would take the money out of anniversary. Downsize your anniversary and spend it in the car with a small picnic basket. It’ll make it a wonderful memory about how you and your hubby pulled together to address a problem. Plus, I think it would be romantic. 😃 Be blessed!
that is so true! I am so thankful to have an amazing partner that helped me think through this and find a solution
I know it sucks, but you will rebuild your funds. If you to use credit then at least you don't have to put the full amount on them and I'm positive you'll pay it off in no time
yes you are so right! I posted an update video and would love it if you check it out and let me know your thoughts! 🩷
I know it’s frustrating, trust me I’ve been here so many times. But you had money to pull and that’s the bright side even if it came from categories you hadn’t necessarily planned it for. You’ve got this.
I'm new to your channel. I just started cash stuff myself. I'm very sorry your going through this. I know how you feel it seems like one thing after another. Hopefully, things get sorted out for you and your family.
hi! welcome to my channel! sorry this video was the first one and it was kinda sad 🤣 but I posted an update video and would love it if you check it out and let me know your thoughts!
@StrawberryMoney It's all good. That's life stuff happens. I enjoyed your video, and yes, I'll definitely check out your new one 😊.
🍓pink!!! I always feel I don’t have money to stuff. Life ugh
same hahaha never enough 🤣
This is the stuff we like (but dont like) to see. Its real life. Definitely think you should get a car envelope. I'm hitting subscribe for the realness ❤
Hi Jennifer 👋🏼, new subbie here. I'm sorry you're going through this, but I know how you feel. When my husband's semi-truck breaks down, I feel sick to my stomach because I know it's gonna cost 💰. But don't give up. Keep going. There is light at the end. I enjoyed your video
oh my gosh yes with a semi I can only imagine the costs!! thank you for subscribing 🫶 also, I posted an update video and would love it if you check it out and let me know your thoughts!
I would find a credit card that has an 18-month 0% interest rate and just pay it off in the 18 months. I think you would overall be in a better position. Also, replace the battery now instead of waiting it could end up killing the alternator, which you would then have to replace both.
I’m not going to lie I had to start over twice due to fixing plumbing issues I feel u and it will get better right now we are focusing on my daughter birthday and Christmas and stuff for the car but omg life sometimes just life’s us but at least u have some of the money u know sometimes people can’t even come up with half or anything so keep ur head up stuff will happen
oh no i’m sorry you have been going through it too!! but we will get through it 🫶
I know how you feel my sister passed and I had to empty all my challenges to help pay for some of the cost it cost us 20.000 to lay her to rest the good thing is that even though I had to start over my envelopes are getting stuffed again we save with our challenges for emergencies so don’t feel bad using the money
I had to take cash from my envelopes for an emergency repair on my house. Did it suck, yes but it has motivated me to keep going. Besides the cash is there for emergencies and be proud of yourself for having it available ❤️❤️
I feel you on that. I literally started cash stuffing journey mid september2024. and I keep searching for someone who has a similar situation as mine on you tube. I feel that most youtubers that are cash stuffing have side hustle, second job, and extra money coming in. I'm a 9-5 girl with only one income can't even afford starting a you tube channel even if I wanted to. plus there is so much competition on you tube about cash stuffing. Oh and I don't drive LOL so I can't even do uber/lift . I have been thinking about just forgetting about cash stuffing and finding another way.
it can be so difficult and discouraging at times but I always find myself coming back to cash stuffing because it’s a fool proof way of making sure you don’t go over budget! I just posted a new video today would love it if you check it out
Hi Jen. Sorry that you are going through this. I guess this is what life is about. I am also about to remove funds from my sinking funds to move to an apt. on my own. So I have to come up with first last and security it is very stressful. It we will pick ourselves back up. Stay strong girl ❤❤❤
hey girl I hope you are doing better and settling into your new space!! you’re right we will get through this! I posted an update video and would love it if you check it out and let me know your thoughts!
@@StrawberryMoney heading there now. Xx
Whew. I didn’t know I’d get emotional watching this cash stuffing video. 😭 I’m currently 6 months pregnant and feeling very defeated. Trying to get by day by day with my 3 littles. So this is definitely hard especially right now. Hopefully in the next few months we’ll all be able to do what we wanna do and still be financially able. God bless! 💜 we will get through this storm!
congratulations on your littlest love! and thank you for showing empathy for my situation! I truly appreciate the love and support. I just posted an update incase you’d like to check it out 🫶 stay strong mama we will get through this 💪
This is what cash stuffing is for. I just had to deplete not only my savings, but also half of my son's to cover vet costs. I spoke to my son (he's 15) and he said that it's just money, it can be built back up
Oh man. I too have a video un-stuffing savings challenges to repair my car. I have heard from multiple people that it is a common issue with BMWs and oil leaks.
Unfortunately you purchased a German vehicle so the production cost and repairs are HEFTY. (this is not attacking you, just a fact of the matter). Yes, it is EXTREMELY defeating when you have to pull money from other places. It is great you do not want to put a large purchase on credit cards. Unfortunately if your hubby really needs this car don't feel bad that you will pull from an emergency fund, cus this in fact, is an emergency. You are more likely to replenish your emergency fund than to pay off a credit card with interest. I would consider going with Honda, Toyota, or some more affordable car next time. Depending on who you go to - to repair your vehicle, they may not charge you taxes if you pay in cash. At least that is what they do where I take my car - not a dealership service place. Every mechanic I ask about the issues my car had always tell me that the dealerships over charge. I would call other mechanic shops to ask how much for what your car needs.
There are a few things I learned with my car hardships..
1. It is a good thing (not really lol) you started this cash saving process and now know how much you could possibly be spending in the future. Start a sinking fund for car.
2. Costco sells car batteries and tires, they also install tires with purchase, I believe some brands are currently on sale.
3. I created a sinking fund for 3 main things. Tires, Maintenance/Repairs, Registration (depending what state you live in, registration fees may vary)
Let me know if you have any questions, I'll probably add more later heheheehe.
A good mechanic would say you might wanna look into a new car. Also never go to the company find a local because the companies will charge $60 for a window wiper while you yourself can buy one at Walmart for $7-$15 or a local car store and either do it yourself or have a mechanic do it for you
oh goodness so sorry that happened, I too have been there where I think I'm ahead and I've had to pull my money from each envelope I had, stressed me out.
Praying 🙏🏽 that you have all you need, that you may not have to pay all that money out and God will show favor for you and your family ❤
🙏 thank you so much 🩷🩷 I posted an update video and would love it if you check it out
I would get a second opinion on the car. how are you going in for one thing and they tell you that you need tires too? Seems like they are trying to get more money out of you. I drove a 325i and had a similar issue the repares weren’t 3-4k for a oil leak and replacing all fuel injectors and spark plugs
from what they explained it was just part of their safety review to let us know we needed the tires (they don’t even sell tires there haha) but I am feeling better! I posted an update video and would love it if you check it out and let me know what you think !
It must be the heat or something because I recently had a car maintenance issue as well. I pray it all works out for you.
I feel like so many people are having car issues right now! so many of the comments here are people saying the same thing 😭😭😭 we will get through it! posted an update video today would love if you checked it out 🩷
Let me say this. I do not do cash stuffing anymore, but your problem is not exclusive to cash stuffing. If you need to use one of your sinking funds and they are not fully funded, you may need to reach into a different one for the sake of taking care of it. It is obviously not ideal... but compared to people who have nothing at all in savings, it is a blessing to have the money period, no matter what category it comes from.
I don't do cash stuffing because I now keep my sinking funds and savings in a HYSA to earn interest on my money, but I still keep my spreadsheet to see what sinking fund has what balance, because I still divide my deposits into my savings into sinking funds. So yeah... your observation is not exclusive to cash stuffing.
I'm sorry this happened. Most of the cost goes to labor; if you look at the receipt, you'll see parts aren't too bad. Buy the battery and tires elsewhere. Don't buy everything the car dealer says you need from them. America's tire, Sam's Club and Costco have good and less expensive options for batteries and tires. You'll be okay! Prayers.
Hi jenifer. I just subscribed . I like ur pink sorter. Where can I buy that?
hi!!! I got it from funds and fun on etsy! also, I posted an update video today would love if you checked it out 🩷
I started budgeting as well, and I was so excited saving all this money.. then a storm hit and a leaky skylight. Then another issue came and now everything saved is gone and I’m starting over as well. Which is why I haven’t been uploading. I have nothing to stuff at the moment! 😂
oh man I know the feeling!!! we are stuffing half as much as before but I know we will get through it!
I just went through where I had to empty all my envelopes and had to start all over again. It was one of the hardest things I had to do but I was thankful I had some of the money in cash.
yes yes yes! I think I was just so focused on what I was “losing” that I forgot to realize it’s a blessing I had over half of it! 🩷posted an update video and would love it if you check it out and let me know your thoughts!
I’m so sorry. Maybe consider getting the necessary safety stuff done and see if anything can wait? Also consider doing routine maintenance so that you’re not hit with a big bill all at once