Budgeting for Beginners | Zero-Based Budget | Cash Stuffing Prep
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- Опубліковано 16 лис 2022
- Take control of your finances with a zero-based budget!
When creating your first zero-based budget, just remember to be patient with the process. A zero-based budget doesn't mean you end up with $0 at the end of the month, it simply means you are telling each dollar where to go (instead of wondering where they went)!
YOU CAN DO THIS!
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Instagram: @the.aesthetic.dollar
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My store will be launching soon! Thank you for your patience while I finish building my website and get my inventory situated! I am so excited to share my budgeting goodies with you! xo
I'm a bank teller and really love the idea of your teller slips. I wish these would be readily available in all banks / credit unions for our customers to use.
Agree!! 🤍
You are a breath of fresh air! Finally someone with a minimal, neutral aesthetic. I can't wait for your store to open.
Me either 🤣 I’m getting close to finishing up the website and then putting some finishing touches on my digital downloads and we will be good to go! Can’t wait! 🤍🤍🤍
I think when you have your money put aside and use the credit card. You pull from the envelopes you used from gas and groceries and make a payment within the week while receiving points
Yes, but the problem ends up being that 80% of people don’t end up paying it off.
Also, this definitely isn’t financial advice, and I’m definitely not telling people what to do, just sharing my experience and the research that I’ve done ☺️
This is what I do but I dont do cash at all. I have adhd and it's too hard to keep up with. I put all of my money in a savings account so I cant touch it and put things on my cc so I can get points, then I move money from my savings account to the credit card and pay it off as budgeted. All of my bills come out of my cc. I usually have at least 20-30$ a month or more accumulating in points.
Thank you so much ☺️ I’m very excited because tomorrow morning is my very first time in my life I’m budgeting and going to the bank to cash stuff my envelopes 🎉❤❤
Ahhhh so exciting!!! 🤩
Teller slips are everything Emily! So much easier for us bank tellers for sure ❤ thank you for the amazing video! 👏
I can not wait until you open your shop!!! This video is so thorough.
Thank you!! I’m working hard to get it launched quickly for you!!! 🥰
I want to thank you for this video and your patience to explain the process!!! 👏🏼👏🏼
I was searching for something like this! Simple sweet to the point!! Thank you ☺️
I am new to this, and it looks like I’m never going to to have anything in my sinking funds to grow!! However watching this video gave me desire to continue patiently and firm to what I have already decided to do!!
Thank you !
Can’t wait for your shop to open 😄
Thank you so much for taking the time to comment! It makes me so happy that this video blessed you! You CAN do it!
My shop is open! It launched on December 16th! YAY! 🖤
I love the inserts for your budgeting system! I can’t wait to purchase them.
You’re so sweet!! I can’t wait to get my website done 😅 if I could just ship these kids off for 72 hours straight I feel like I could get it done lol
Love your videos! Had to go back to my history to find your vid/channel bc couldn't find you again when searching yt 😂 too many $ yt vids ahha! But you got a new sub and love your aesthetic 🥺 it's so simple and I like how you explain things especially the snowball debt part bc I didn't know that method
Thank you so much! 🤍
Hi new subbie here :) this is The most simplest, to the point budget video I’ve seen on UA-cam thank you!!!!! Not a lot of fluff, so aesthetically pleasing and easy to understand 😅 Your content is awesome thank you!❤
Hi Emily, very informative video. I am excited for your shop to open!. I wish you continued success on your financial journey and UA-cam. Thank you for sharing . Have a nice day 💜 🌻 🤗
Thank you so much! 🤍🤍🤍
I LOVE YOUR CHANNEL EVERYTHING SO SIMPLE AND EASY.
Thank you!!! 🤍🥰
This is easy to understand. Thank you!!
I cannot wait for your shop to open🤗
Me either!! I’m so excited to share these things with everyone!!! 🤩
I purchased the clear budget binder after watching your videos last week! I’m a beginner as well. Thanks so much for your insights 😊
I love the simplicity of it 🤩
@@theaestheticdollar honestly! The supplies looking as pretty as they do has certainly made me look forward to my budgeting journey. Thanks again for taking us along your journey also!
@@fsal4682 I truly believe that when you have pretty things to work with, it makes it more enjoyable 😂
Right now we have more month than money so no cash stuffing but the plan is for that to change real soon and in the meantime we’ve figured out all income and expenses and at least know exactly where we stand! This is so great!
Congratulations! That is so big! Super proud of you, and I’m always cheering for you 🥰
Soooo good! I loved your video! ☺️✨💛
Thank you 🥰🤍
I ❤ this video. Thank you for the detailed information
You are so welcome!
Very informative! I think your Channel will do well! 🙂
Awe thank you! If I can help just one person, it's all worth it!!
So happy I found you.
Btw thank you for all your hard work
Great info. Thanks for sharing ❤😊
Thank you!!! xoxo
Everything I needed to know. I'm organizing myself to start trying cash envelopes but I was a bit lost. I imagine you go to the bank every time you receive your money, right?
Do you have a video on how to get a month ahead on your money?
Thanks a lot!
Also your clean aesthetic calm my financial nerves and I appreciate it! 😊
We are self-employed and pay ourselves once a month, but I cash stuff weekly, so I go weekly to the bank to take out the cash for it!
I’m not a month ahead yet, but when I start that I will make a video about it!
@theaestheticdollar you'll get in no time! You're doing great! Tnx
I love your content!!! Also your pages are exactly what I have been looking for! When you start selling them, are you going to sell digital downloads or print copies?
Awe thank you!! 🤍🤍
And they’ll be Digital downloads! I’m working on my website and actually just uploaded those today so we are getting close!! 🤩🙌🏼
@@theaestheticdollar So excited!!!!
Happy Holidays from Dubai 🎉
Hi! I have a question. I’ve been using Dave Ramsey’s envelope system for a month now and then found your page and a lot of what you do I’ve already been practicing but this helps me see more details. I was wondering when you go to Walmart and spend your sinking funds cash say you buy windex (a household item) and then buy a can of tomato soup (groceries) do you make two seperate transactions to keep the exact amount of money in each envelope? Or pay altogether? If altogether how do you keep cash separated?
I typically try to group things together and go to the self check out and pay for them all separately, it doesn’t take too much more time!
Hey i love this video it is so pleasing to look it and also gets me excited to start my budgeting journey! I was wondering though if you don’t have enough money to cash stuff for all of your sinking goals (christmas, gifts, etc..) what do you do? Do you minimize the amount of your goals, try to cut back on bills to meet all your goals or just prioritize what goals is most important or the priority/coming up (ie. christmas over vacation), if anyone could help me out or have any recommendations that would be great!
Thank you so much for such a sweet compliment!
My biggest advice would be to make a zero-based budget and look at your spending habits on your most recent bank account! There is money there that you don’t realize, at least there was for me anyway 😅 I’ve also started side hustles during times where I had more bills than money!
Hi Emily! Question: What do you add in the “ACTUAL” column when you’re adding in sinking funds totals? I have the budget binder but I’m confused what to add there 😅
Such a good question! At the end of the month you can write what you actually spent! It helps with budgeting for the next month, especially with bills, but also the variable expenses too! 🖤
❤
I'm new here and was curious how do you figure out your cash stuffing amounts?
Love your videos. I have noticed you doubt stuff for utilities, Gas or mortgage/Rent. Keep the videos coming. God Bless
Thank you! And yes, I’ve never stuffed my auto drafted bills 🖤
Oh ok. I didn't know. Most cash stuff those. I am really thinking about trying this method. It seems it really helps you stay on track of your money.
Question. Do you only use cash to spend money then? Maybe you explain more at the end for digital expenses. Do you just put the cash back in the bank for things like Amazon prime? This is the part of Zero-based budgeting that can be confusing to me. I mainly shop online.
Great question! I recommend watching any of my online spending check in/unstuffing videos! I do a lot of online spending too 🥰
When you do the biweekly budget, did you split all bills in half? What if your may electric bill is the 3rd and you get paid on the 7th but you put all the bills on each paycheck?
I would grab a blank calendar and write down when your paychecks are, and when your bills are due, and then make a plan for which paycheck you were going to use on those bills!
Starting out, it might be helpful to make two separate budgets for each paycheck if you’re paid twice a month!
Please forgive me you have answered his question 1 million times. I’m brand new and my question is once I take all the cash out safe for groceries. Do you continue to track what you spend on groceries as far as writing it down even as much as a candy bar if you’re using cash? Or do you just write down what you buy with your debit card say the candy bar with a debit card? This is such a roadblock for me right now because I went grocery shopping this morning. I took my cash and the first thing on my mind was do I now write down what I just spent on Your Weekly or monthly income paper? I am so confused I’m a complete.😮
I think my videos about how to use the A5 budget binder and how to start cash stuffing will be helpful for you 🖤
how much do you have in investments? could you do a video on that?
Hi your videos are great!! But I'm still kinda confused on the cash denomination to give to the teller. Whats the reason? Easier for them to count or? I apologize if you have already explained why 🙂
Yes so it’s clear how many of each denomination you want to pull from the bank :) my teller loves them 😂
@@theaestheticdollar lol got ya
I am soooo new to all of this. I do get paid biweekly, my husband gets paid weekly…. Any tips specifically on that? And I see you cut the actual total monthly cost for the bill in half based on the biweekly pay….?
Yes pleaseeeeee video of wat she said pleaseeeeee🙏🏼
did you make the sinking funds sheet or did you buy them?
I designed them myself ☺️they’re available for digital download on my website, www.theaestheticdollar.com
on your sinking funds slip what do you use for the "actual" section
How much I actually spent
I would love to cash stuff but I don't have a physical bank so it wouldn't work as I cant pay cash into my bank so I have a million pots set up in my bank account, a second bank account and 3 savings accounts which I use instead lol xx
That sounds like an awesome system! 🤍
Where good you get your inserts from?
I made them! They’ll be a digital download on my shop launching in a few weeks! xo
hello! another question, would you consider selling them in different languages? i have portuguese as my mother language but even though me and my boyfriend speak English, it would be nice to be able to buy them in Portuguese to give as a gift for someone who wants/needs it :)
That is a great idea! This is a very part-time business for me and I honestly don't know any other languages :(
@@theaestheticdollar I totally understand, it's fine. I will purchase it anyways when you release it 😄 loving all the content so far! thank you :)
@@nvluzinha Thank you so much! Happy you're here!! xoxo
Just wondering how you pay your bills. Like we have certain bills like internet for example that comes out each month from our bank account. Do you put money back into your account for things like that? I apologize if this is a dumb question.
Great question! Right now they’re all auto-drafted so we just leave that money in our account! This is just what I take out to cash stuff for sinking funds!
Are your sinking funds per month, per week, biweekly?
I always recommend making a budget for each paycheck! That way every single dollar has a job before it hits the bank!
Here’s how I personally do it because my husband and I pair ourselves once a month:
I make our zero-based budget for the entire month, but I cash stuff weekly. So whatever I decide to cash stuff in my sinking funds, I divide that by however many weeks are in a month!
For example, if I decide to budget $200 for clothing for February, I’ll cash the $50 each week into that sinking fund 🖤
Hope that helps!
How do find your store?
🤍 www.theaestheticdollar.com
hi! could you put this model on your shop please? I would very much like to buy it :)
It's on there!! :) www.theaestheticdollar.com
@@theaestheticdollar thank you! do you plan on releasing the month, debt and etc pages? bc they're a little different from the ones on the site
Great video, interesting to see how most of the Caucasian people don't have black tax calculated in their budgets. My budget has items like paying school for my siblings, buidling mom's house, and buying groceries for mom's house including daily needs. By the time i start with my own budget, the money is highly reduced. At this stage, i don't even have the strength to complete the budget. hahah, if some is in my shoes, please share how you go about budgeting.
I love your channel!! I just started this system as well and it’s working so nicely! 🤎 When your shop opens will you have different size inserts or just the a5?
They will be a digital download! Regular sheet size and can be used on an iPad as well! 🤍🤍🤍
And thank you so much 🥹
@@theaestheticdollar ohh digital download that’s perfect! And your so welcome 🤎🤎
Thank you for this video, you really took time to explain everything. Now I can start budget the right way🙏🏾🤍
You got this 🙌🏼🤍