2024 binders, going over sinking funds and savings challenges

Hello!
Channels mentioned:
‪@lizandless‬
‪@HandsBands‬
‪@MischiefManagedBudgets‬
‪@lisagratefulme‬
‪@TheALMOSTOrganizedOwl‬
‪@GoldenGirlBudgets‬
‪@DanielleCraftsStudio‬
My etsy shop: www.etsy.com/shop/Debtfreeby4...
I use prop money on this channel because we live out in the country, and the bank is quite a far drive. It would be a budget buster to us to constantly be using fuel to drive to and from the bank. We have all our envelopes in digital accounts within PNC bank, and use our debit card linked there to make purchases. I still like to cash stuff as it helps me build the behavior with money behind the cash system, not that it’s another debit card to just swipe.
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Disclaimer:
I am not a financial advisor of any sort. Personal finance is personal, I am in no way advising you on how to manage your own finances. I am simply filming and sharing my journey with my own finances for entertainment purposes only.
Music is royalty free music from SoundCloud.com

[@kristine_budgets_and_bujos]

Heya! I’m here for Joey. 😂 I was starting to think he (it) wouldn’t be in this video, but he is! I love it! 🔥

[@angbudgetanddebt]

Hi! Glad you are back! Here watching and supporting! Liked watching this!

[@badlands9100]

Iam learning to practice and stay away from the things that "I want now". Your decisions and choices are different from mine, and I respect that.

[@lizandless]

yes to the corn dogs! 😂😂😂😂

[@oldschoolbudgets]

Hi great breakdown of your binders. I did the same thing with my month ahead binder. It helped do much with my peace of mind

[@EllieOnEarth]

I'm sitting here trying to figure out my binders for 2024 and I'm in awe of how organized you are with yours.

[@Debtfreeby43]

I’ve been doing this for a long time, if that’s any relief. You will get it Ellie!

[@jiysjourney]

New here from Liz and Less. Happy 2024 🎉❤

[@NotJustABudget]

As an Aries I felt that comment about Aries being crazy lol 😂

[@GoldenGirlBudgets]

😂 I watched you while packing your order! I loved seeing your setup!!! I need to add an adventure envelope!!!

[@Debtfreeby43]

I love how everyone is packing my order while watching 😂. Or maybe I don’t…shows how many people I bought from 👀

[@MischiefManagedBudgets]

Ooohhh we want a freeze drier!!! I never thought to add that!! Now I am!!

[@Debtfreeby43]

We are bad for each other Wren 🤣

[@ChampagnesCorner]

Ooohhh myyyy yessss, so do I!!!!

[@mindysbudgeting]

Here watching and supporting love all the challenges and binders ❤❤❤

[@Budgetwithfreshsalad3544]

great video

[@nicolethomas9]

New subbie love watching your challenges and funds for these year

[@Debtfreeby43]

Yay! Thank you!

[@savewithjudy]

New subscriber here. I'm looking forward to following your journey.

[@SnowGardener307Budgets]

Wahoooo I am here for this!!

[@Debtfreeby43]

Hi Marlene!!!

[@lizandless]

yesssss!!!! i am sooooo excited!!!! i’m sipping coffee while here with you!!

[@MischiefManagedBudgets]

LOOK at those month ahead envelopes!!! Beautiful birds!!! 😍
Watching while working! Glad to see you back!!
TSO was amazing and the best concert we've been to!! It was a bucket list item for us to go to this!
I'm actually packing your order now haha!!

[@Debtfreeby43]

Haha, the bird envelopes are from Lisa grateful me! She has a Jan-Dec bird challenges! I love TSO, so I just gotta make it happen!! Yay my order!! I sure left 2023 with a bang on Etsy lol.

[@TheALMOSTOrganizedOwl]

You have some beautiful envelopes and great categories for your savings!!!🎉🎉

[@Debtfreeby43]

Thank you!! ☺️

[@BudgetStuffSaveRepeat]

New subbie alert‼️Here from Ang’s shoutout!!!

[@Debtfreeby43]

Oh found her now! I didn’t know she shouted me out. ❤ thanks for coming over!

[@BudgetStuffSaveRepeat]

@@Debtfreeby43 Angbudgetanddebt
She posted a lot of channels on her community post…she’s very kind like that…she did the same for me when I first started my channel

[@oldschoolbudgets]

New subscriber ❤

[@moneywithjustliving5258]

New Subscriber here. I just found your channel. It is great to be here supporting and cheering on another fellow budgeter/saver. Great job.

[@Debtfreeby43]

Welcome!! Thanks for being here!!

[@lizandless]

i hope you add a self care binder for you!

[@Debtfreeby43]

…Maybe…

[@AllThingsKimberlyWV]

Good morning my friend....just subscribed to your channel :)

[@Debtfreeby43]

Thanks for joining Kimberly!! Can’t wait to get my Etsy order! Going to be so fun!!

[@AllThingsKimberlyWV]

It's shipping out this morning :)@@Debtfreeby43

[@veraruthbudgets]

Hello! New subbie. What was the name of the company you mentioned about buying to stock your pantry?

[@Debtfreeby43]

Azure standard! Great place with a lot of organic options too!

[@HandsBands]

😮😮😮 friend?! 🎉🎉🎉

[@Debtfreeby43]

FRIEND! ❤️❤️

[@CashBearMama]

New Subbie from Ang ❤

[@badlands9100]

why not just save the three months in your own envelopes and still get the same of zero % interest and you get the same benifts from your own money and walk out without using your credit card. Its the same thing your paying cash in three months.

[@angelculpepper4638]

Where did you get the save for PI savings challenge? My 23, 17, and 16 year old daughters are starting there cash stuffing journey and I think that would be an easy saving challenge for them to start.

[@Debtfreeby43]

Hey angel! I got it from Mischief Managed budgets, or Mischiefbudgets on Etsy! Isn’t it cute? I love it!!

[@lovelybudgets_hk]

I stop here. I will continue later. ❤

[@Debtfreeby43]

Thank you!! I got your list going on my iPad at home while I’m working! I’ll comment later ❤️❤️

[@rena_vations]

Newbie 🎉