Great video! As always. I'm doing the sinking funds, and it has been a life safer! Because of 2 sister bees I had all of my Christmas presents bought before the end of October and when Christmas came, I had cash to play games with all my guests because I had already bought the presents. Plus I scaled way back but everyone got 2 or 3 presents and the grandkids always get way too much from all their grandparents anyways. Thanks to you and April it was the best Christmas ever except could use some motivation on getting the wrapping done! I also love the sinking funds because that 6-month payment for the car insurance doesn't even both me and I was really proud of myself and actually paid it a month early. Keep in mind I only started last year and this is the first time I had the money ready for the insurance! I decided on 12/31 that I would clean out my saving challenges (games) and had $1770 spread out among them and then we opened a high yield savings account for the first time ever! All because you and 2 sister bees!!
So many accomplishments in such a short time! And that’s how it is, right!? We think it seems impossible but it really only takes that acknowledgment to start - and it snowballs from there! Pun intended 😅
I think that every one of us needs reminders about keeping "clean" on our budgets, like you've shown us. It's so easy to get off track and undo months of progress in one transaction! TFS Jenn!
Yes! We can’t ignore debt. We like to but….. it’s going to bite us in the butt at some point! 🤣 I’m glad you took the time to review your spending - sometimes that’s all it takes. 💛
Im a newbie, who suffered from over spending. We have no student loans, credit card debit or car payments. Im doing 3,4 and working on Emergency. Giving each dollar a job has made all the difference so far ❤❤
I already have my emergency fund and I’m paying off my debt using the snowball method. I also am cash stuffing my sinking funds. My household bills are paid digitally 💜💜
Inflation is wild. Even with housing and car payment at under 25% and 10% as you said, everything else is getting so expensive it's really only functional to just cut cut cut expenses outside of those realms.
I’m 20 and cash stuff for the things that aren’t absolutely necessary. I keep money in my checking account to pay off gas and credit cards, and cash stuff for everything else. It’s been such a lifesaver!
That’s so ironic that you commented this. My youngest is 21 and I have been trying to get a good time for the two of us to talk about her doing exactly what you are doing! I think that’s a great way to keep spending under control and make sure your responsibilities are covered. Awesome job! 💛
@@2SisterBees it really helps. I used to put everything on my card and wasn’t watching spending but changing habits can help especially when you’re young:
❤❤ that first part was speaking to me about having watched all those videos and still struggling. Honestly, I have paid off all my debt due to selling my house, but ive spent much more than I first intended!
Well, you came to the right place! 🙌 I would suggest the first thing you want to do is your budget! Then you’ll know how much you have for saving! Watch this video of you haven’t already - ua-cam.com/video/M7ucIl9MGs0/v-deo.htmlsi=to5RwxH6t2hbYyKS
Hello have just started to watch your videos and let me say you are amazing at explaining everything! We are on baby step 2 of the Ramsey process and have been cash stuffing for two months now so thanks for explaining the 4 stuffing methods!
Great video Jenn. You did an excellent job on explaining everything and the mock budget. Thanks for the freebies, however I can’t seem to find the spending tracker listed in your freebies.
Hi Jenn. I love how you have taken back to the basics. I was watching another video and someone in tje comments stated that they just didn't understand. I referred her to your channel. I hope she comes because she would really benefit from this video. I loved it and dat down and looked over my budget and got some things into perspective. Thank you so much
I just recently started the monthly budget book that for me with my chemo brain is difficult due to all the credit card debt we have and when we get paid. My husband gets 2 retirement checks one from the mill he used to work in and the other retirement from the military and disability from military. Then he gets his work money from maintenance at a restaurant then I get my SSI from disability from cancer and early retirement due to cancer. So for me it's difficult to figure this budget book out. I have a computer sheet that has everything on our bills and as each is paid those bills gets marked off and whatever is left over no matter the amount is for food. I have just started setting aside the different amount from raises to put in my 100 envelope challenge so I can get out of debt. My credit card debt is 1471 per month. That amount needs to come back so I can save as we are both in our 60's.
Yes! Get that credit card debt out of your life. I like hearing how you are diligently working on it- despite your health setbacks- you’re a tough cookie! You’ll get through this- there is light on the other side! 💛
I am at Emergent Bee half way there, I do have a few cash stuffing but I am still having trouble getting my budget the way I need it. I do have all my things wrote down on budget sheets and pay every week so that is where I am at and working on getting my budget where I need to be. you are awesome helping out the way you both do. Thank you for all you do...
Oh yes! Halfway! You are ahead of 63% of Americans who can not cover a $500 emergency! Amazing! Keep it up! Don’t forget that it takes 3 months of budgeting to get it moving in the right direction - keep going with it, you’ll get it! 💛💛💛
Thanks so much! I’m so glad you guys find these videos helpful- I’m always a little apprehensive when I post them - thinking, “ok- let’s see how this does!” 😅
Thanks for breaking everything down it makes it simpler and clearer especially for new beginners that are starting on this cash journey. I love your videos! I’m teaching this with my children and family so they understand the importance of handling their finances and to stay out debt. Can you also explain more and do a video for people with lower income, monthly paychecks, tithe, teenagers, and college age children? Thank you! 😊
Thank you very much! I’m so excited to get started on this journey and l can’t wait to see more of my family getting excited about it as well. I have also shared some of your videos with them too.
This was such a helpful video! I had been cash-stuffing just fine the last few months but with having to move in 4-5 months it's been making it really hard to stuff for anything besides bills and moving since moving costs so much. It's extremely stressful trying to budget everything.
Q Loved this video. Just wondering when you spend such as dog and hubbies drinks. Where do you take this from to pay in the first place? Do you not withdraw to cash stuff? Or do you withdraw cash and put it where. I am a card user and just wondering how to start do I cash stuff? I am in Australia and we have $1 & $2 coins which makes it hard to cash stuff.
I try to save aleast 20 a week in twelve different envelopes. Mine and my hubby hours are cut at work. So 20 is what I can save. Right now I cannot do my side job. We have ice on the roads and I don't fell comfortable driving in the snow
That’s good that you are staying consistent with saving- no matter what. Keeping those good habits up! And girl- you are talking to a Floridian - I don’t do snow, either! 😅
I am definitely an overspender. Especially a social overspender. I love to treat my friends and family. But it isn't helping me personally for my future. Need to set spending limits.
Same here- we had to start thinking about us. It can be hard at first but it gets easier and your friends and family will understand. It was an adjustment for our kids - we now have them pay back loans and we don’t buy them things just because they say they want it. It’s a lot better for all of us.
@@2SisterBees I have two daughters in their 20s I spoiled all their lives so will be a shock to them. I made a couple monsters. Well my ex wife didn't help in that either as I still support her 🤦♂️ As my dear friend Jesús says "no. Say no." 😂
@@2SisterBees I have a feeling if I tell my kids it's a loan they may ask for help less so that may be a good idea. I do pay for college and that sort of thing which I budget for but they like shopping trips as a hobby and it's really unnecessary. 😂
@@BrunoCaltagironeyou are one of the kindest people so it probably will be harder for you to say no then your family to hear no. But you have to think of retirement one day. No one wants to spend what should be a retirement vacation at Cabo on the beach with their laptop working on programming some new company's firewall 😅
@@jesuszubizarreta haha one more frozen margarita *security breach* 😂 yeah but you are right I have enough time left before I retire to train my family and myself not to go crazy every paycheck. I need to check myself too I don't need half the stuff I buy. Your wife said she would help me organize and go through everything to sell online so maybe we all could spend the day together and have snacks/lunch. The kids could all play over in the yard. Might be fun 🎉
That’s actually amazing- very hard to do in today’s society. We are marketed to by credit card companies and banks non stop. I think it’s getting harder and harder for each generation. When I was growing up, it wasn’t too crazy but now…. That’s all they see. Buy, spend, borrow and go into debt.
I am so so guilty of this. It’s so easy to do when we are all so busy. Just make a contract with yourself to save that instead- pick a goal and write it down. Set a time limit to when you could reasonably meet that goal and track it! You can do it- so worth it! 💛
@@2SisterBees Thank You so very much I made an envelope for door dash to save so I can get something every once in awhile but that way nothing has to suffer for it
Great video! As always. I'm doing the sinking funds, and it has been a life safer! Because of 2 sister bees I had all of my Christmas presents bought before the end of October and when Christmas came, I had cash to play games with all my guests because I had already bought the presents. Plus I scaled way back but everyone got 2 or 3 presents and the grandkids always get way too much from all their grandparents anyways. Thanks to you and April it was the best Christmas ever except could use some motivation on getting the wrapping done! I also love the sinking funds because that 6-month payment for the car insurance doesn't even both me and I was really proud of myself and actually paid it a month early. Keep in mind I only started last year and this is the first time I had the money ready for the insurance! I decided on 12/31 that I would clean out my saving challenges (games) and had $1770 spread out among them and then we opened a high yield savings account for the first time ever! All because you and 2 sister bees!!
So many accomplishments in such a short time! And that’s how it is, right!?
We think it seems impossible but it really only takes that acknowledgment to start - and it snowballs from there! Pun intended 😅
I think that every one of us needs reminders about keeping "clean" on our budgets, like you've shown us. It's so easy to get off track and undo months of progress in one transaction! TFS Jenn!
Exactly! One oopsie here and another there can add up !
Staying laser focused is key!
Thanks for watching! 💛
That’s how I got into budgeting. I looked at my bank and credit card statements and wanted to cry, but knowledge is power.
Yes! We can’t ignore debt. We like to but….. it’s going to bite us in the butt at some point! 🤣
I’m glad you took the time to review your spending - sometimes that’s all it takes. 💛
I finally started cash stuffing today I’m so excited to see how it goes for me! I’ve binged your Chanel lol
I love when someone lets me know they love the channel so much- that they are binge watching! 🙌
I’m excited for you!! You’re going to do so good! 💛💰
Im a newbie, who suffered from over spending. We have no student loans, credit card debit or car payments. Im doing 3,4 and working on Emergency. Giving each dollar a job has made all the difference so far ❤❤
You’re in a great spot! Great job! Glad to hear it! 🙌💛
I already have my emergency fund and I’m paying off my debt using the snowball method. I also am cash stuffing my sinking funds. My household bills are paid digitally 💜💜
Love it! Love it! You got it, Sis! 💛
Inflation is wild. Even with housing and car payment at under 25% and 10% as you said, everything else is getting so expensive it's really only functional to just cut cut cut expenses outside of those realms.
I’m 20 and cash stuff for the things that aren’t absolutely necessary. I keep money in my checking account to pay off gas and credit cards, and cash stuff for everything else. It’s been such a lifesaver!
That’s so ironic that you commented this. My youngest is 21 and I have been trying to get a good time for the two of us to talk about her doing exactly what you are doing!
I think that’s a great way to keep spending under control and make sure your responsibilities are covered. Awesome job! 💛
@@2SisterBees it really helps. I used to put everything on my card and wasn’t watching spending but changing habits can help especially when you’re young:
That’s exactly what she is doing. Debit card and after pay and has no idea what she is spending 😳
She’s stressing me out! 😂
❤❤ that first part was speaking to me about having watched all those videos and still struggling. Honestly, I have paid off all my debt due to selling my house, but ive spent much more than I first intended!
❤❤ That makes sense to stuff for overage things!!!! Thank you!
Glad I. found you! I’m on a fixed income but I have previous debt which I want to pay off and I’m having a lot of trouble saving!
Well, you came to the right place! 🙌
I would suggest the first thing you want to do is your budget!
Then you’ll know how much you have for saving!
Watch this video of you haven’t already -
ua-cam.com/video/M7ucIl9MGs0/v-deo.htmlsi=to5RwxH6t2hbYyKS
Thank for all the step by step 1 finished the 1k challenge 🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉
You did!? Yay!!!!!! I’m so happy for you! Big deal! Very big deal! Great way to start off 2024! 🙌💛
Thank you we had some un expected money come in and we decided to just put it in there. It was a bless 🙌
I know nothing about trading /investment and l'm keen on getting started. What are some strategies to get started with?
Thank you for all the freebies 💜 💕
Love this, very helpful. So many great ideas! I like the shoebox idea for receipts.
I’m so glad you liked the video! 💛💛💛
Happy 2nd Bee Day! Awesome content!
On Step 1, Thank You I need this video!
I’m so happy to hear that you found it helpful! 💛💛💛
Hello have just started to watch your videos and let me say you are amazing at explaining everything! We are on baby step 2 of the Ramsey process and have been cash stuffing for two months now so thanks for explaining the 4 stuffing methods!
I’m so glad you find the videos helpful! Another budgeter here on YT that is really good at explaining things is Lyman Joy- look her up, too!
Great video Jenn. You did an excellent job on explaining everything and the mock budget. Thanks for the freebies, however I can’t seem to find the spending tracker listed in your freebies.
I just fixed it- sorry about that. 💛
Hi Jenn. I love how you have taken back to the basics. I was watching another video and someone in tje comments stated that they just didn't understand. I referred her to your channel. I hope she comes because she would really benefit from this video. I loved it and dat down and looked over my budget and got some things into perspective. Thank you so much
Oh that’s so awesome ! I’m glad you are working on your budget- it’s honestly never ending. 😅
And I hope she checks out the channel, too! 🙌
Working on baby step 1. Slow but steady.
Good job, Sis! Proud of you! 🙌
I just recently started the monthly budget book that for me with my chemo brain is difficult due to all the credit card debt we have and when we get paid. My husband gets 2 retirement checks one from the mill he used to work in and the other retirement from the military and disability from military. Then he gets his work money from maintenance at a restaurant then I get my SSI from disability from cancer and early retirement due to cancer. So for me it's difficult to figure this budget book out. I have a computer sheet that has everything on our bills and as each is paid those bills gets marked off and whatever is left over no matter the amount is for food. I have just started setting aside the different amount from raises to put in my 100 envelope challenge so I can get out of debt. My credit card debt is 1471 per month. That amount needs to come back so I can save as we are both in our 60's.
Yes! Get that credit card debt out of your life. I like hearing how you are diligently working on it- despite your health setbacks- you’re a tough cookie!
You’ll get through this- there is light on the other side! 💛
Good Morning, I love this video.
I’m so glad! 💛
Thanks for watching!
Found you last week and love your free 🐝 s they are so cute 🥰 thank you
Sweet! Glad you found us! 💛🐝
I need to make a few more Freebees- I have a few ideas…. Just need to find the time.
I am at Emergent Bee half way there, I do have a few cash stuffing but I am still having trouble getting my budget the way I need it. I do have all my things wrote down on budget sheets and pay every week so that is where I am at and working on getting my budget where I need to be. you are awesome helping out the way you both do. Thank you for all you do...
Oh yes! Halfway! You are ahead of 63% of Americans who can not cover a $500 emergency! Amazing! Keep it up!
Don’t forget that it takes 3 months of budgeting to get it moving in the right direction - keep going with it, you’ll get it! 💛💛💛
This is great Jen! I am going to tell my viewers to come check this out to start. I love watching these even though I have been doing it for awhile.💕🐻
Thanks so much! I’m so glad you guys find these videos helpful- I’m always a little apprehensive when I post them - thinking, “ok- let’s see how this does!” 😅
Thank you for these videos! I’m going with the last method. I’m an over spender for sure! Thanks again! I’ve been learning so much! 🤩🤓
I’m so glad to hear it! 💛
Wonderful video!! So much great information. I love how you showed examples for each one. Thank you. Sending you lots of love ❤
I’m glad you liked it- these videos are a lot harder to do! 😅
Thanks for breaking everything down it makes it simpler and clearer especially for new beginners that are starting on this cash journey. I love your videos! I’m teaching this with my children and family so they understand the importance of handling their finances and to stay out debt. Can you also explain more and do a video for people with lower income, monthly paychecks, tithe, teenagers, and college age children? Thank you! 😊
I screenshot your comment and I will definitely try to incorporate some info in upcoming videos ! 💛💛💛
Thank you very much! I’m so excited to get started on this journey and l can’t wait to see more of my family getting excited about it as well. I have also shared some of your videos with them too.
Great video Jenn. :)
Glad you liked it!! 💛
Great video.. I’m method 2 monthly bills but I use cash for everything.. I used Afterpay a lot but I have not use it since October..
That’s so good! You got through Christmas without using it! 🙌💛
This was such a helpful video! I had been cash-stuffing just fine the last few months but with having to move in 4-5 months it's been making it really hard to stuff for anything besides bills and moving since moving costs so much. It's extremely stressful trying to budget everything.
Go easy on yourself - moving is a big deal. Do what you can and be proud of yourself! 💛🙌
Great video Jenn, you alway keep me motivated when I have a tough week, and it always works out. So thank you so much ☺️ ❤😊
Yes! Everything always works out. Everything is temporary.
We can get through anything! 💛
Great reminders
Thanks so much! 💛
Hi Jenn, I love alll the videos, however the new spending tracker is not there?. Love the Etsy store, I have my basket loaded and ready for payday😂😊x
I fixed it! Check again- you’ll see it now. Thanks for telling me! 💛
Thank you! You made this very easy to understand.
I’m so glad - doing these types of videos is a bit harder and I do A LOT of editing.
Nice to hear it was understandable! 💛
Great video. I definitely needed these reminders.
I’m glad it was helpful! Thanks for watching! 💛
New subbie here. Love your videos x
Oh yay! Glad to have you! 💛💛💛
Beautiful job!
Thank you! 💛
Q Loved this video.
Just wondering when you spend such as dog and hubbies drinks.
Where do you take this from to pay in the first place?
Do you not withdraw to cash stuff?
Or do you withdraw cash and put it where.
I am a card user and just wondering how to start do I cash stuff?
I am in Australia and we have $1 & $2 coins which makes it hard to cash stuff.
This is a very good question- I am going to answer it verbally on my next cash stuffing video.
Stay tuned! 💛💛💛
I try to save aleast 20 a week in twelve different envelopes. Mine and my hubby hours are cut at work. So 20 is what I can save. Right now I cannot do my side job. We have ice on the roads and I don't fell comfortable driving in the snow
That’s good that you are staying consistent with saving- no matter what. Keeping those good habits up!
And girl- you are talking to a Floridian - I don’t do snow, either! 😅
Hi jenn
You got spammers on some of your post 😂
Most people do. It's a virus, I swear! UGH
Yes- someone let April know and she just called me 🙄
The internet is so fun! 😅
@@2SisterBees 😂
Great video. Mine and my oldest middles name is Nicole too lol
It’s a beautiful name! 💛
@@2SisterBees yes it is
I am definitely an overspender. Especially a social overspender. I love to treat my friends and family. But it isn't helping me personally for my future. Need to set spending limits.
Same here- we had to start thinking about us. It can be hard at first but it gets easier and your friends and family will understand. It was an adjustment for our kids - we now have them pay back loans and we don’t buy them things just because they say they want it. It’s a lot better for all of us.
@@2SisterBees I have two daughters in their 20s I spoiled all their lives so will be a shock to them. I made a couple monsters. Well my ex wife didn't help in that either as I still support her 🤦♂️ As my dear friend Jesús says "no. Say no." 😂
@@2SisterBees I have a feeling if I tell my kids it's a loan they may ask for help less so that may be a good idea. I do pay for college and that sort of thing which I budget for but they like shopping trips as a hobby and it's really unnecessary. 😂
@@BrunoCaltagironeyou are one of the kindest people so it probably will be harder for you to say no then your family to hear no. But you have to think of retirement one day. No one wants to spend what should be a retirement vacation at Cabo on the beach with their laptop working on programming some new company's firewall 😅
@@jesuszubizarreta haha one more frozen margarita *security breach* 😂 yeah but you are right I have enough time left before I retire to train my family and myself not to go crazy every paycheck. I need to check myself too I don't need half the stuff I buy. Your wife said she would help me organize and go through everything to sell online so maybe we all could spend the day together and have snacks/lunch. The kids could all play over in the yard. Might be fun 🎉
I don't see the spending tracker in the freebies folder?
I fixed it- check now and you will see it. 💛
Great advice I have money spare on paper but never in my bank😂cash envelopes here we go than you
Not sure where I fit in?!?
Are you more than one? 😅
Oh brother the scammers have arrived. That's when you know you've made it😂
Hahahaa! That’s what I thought! I was like- “Oh, okay. I guess I’m there now.” 😅
@@2SisterBees😂😂😂😂
i have never had a credit card, and have no debt
That’s actually amazing- very hard to do in today’s society.
We are marketed to by credit card companies and banks non stop. I think it’s getting harder and harder for each generation. When I was growing up, it wasn’t too crazy but now…. That’s all they see. Buy, spend, borrow and go into debt.
I spent over 2 hundred dollars in 2 weeks on door dash
I am so so guilty of this. It’s so easy to do when we are all so busy. Just make a contract with yourself to save that instead- pick a goal and write it down. Set a time limit to when you could reasonably meet that goal and track it! You can do it- so worth it! 💛
@@2SisterBees Thank You so very much I made an envelope for door dash to save so I can get something every once in awhile but that way nothing has to suffer for it
🫶