How to Start Cash Stuffing | Cash Envelope System for Beginners | Dave Ramsey Inspired | Budget
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- Опубліковано 8 тра 2023
- Take control of your finances and your future with the cash envelope system!
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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“Budgeting is hard but being broke is also hard” ma’am! This is a bar.
Emily, First of all I love your channel. I am 66 years old and never saved and was always in debt. I am happy to say that I am debt-free and am budgeting, saving, and trying to beef up my emergency fund (which I have completed baby step one). I just would like to encourage us “seniors” that you can do it, even if you need to sell your home and rent or move in with your child temporarily. We sold our home and paid off $40,000 of Credit Card debt. Then we bought a new car (cash) and opened a savings account. We paid for our car so no payment there. I don’t regret selling my house. God has provided our everything. ❤
What an incredible testimony!!! I love this!! Dave Ramsey always says it’s never too late and I always get so emotional listening to people who are retired do their debt free scream and say it’s their first time being debt free 🥹 so powerful! Proud of you Debbie!! 🙌🏼🙌🏼🙌🏼
Amazing
Yesss!! I'm proud of you!!
this is amazing! you really show how anything can be done, you should be really proud of yourself ❤
Yes he does. God is faithful 😃 hallelujah 🎉
I wanted to start with those cute journals like everyone else was doing but then i realized it was kinda counterproductive since the goal is to save money lol so instead while still getting something cute i just went to the dollar store and bought their little 4x6 photo albums lol the dollars fit in perfectly and if you wanna be descreet you can add photos to cover the money when its not full lol.. and if you wanna use a box they got cute ones too and still cheap
I love that idea!!!!
@@theaestheticdollar i actually used my canon printer and printed out the topics in cute photos so its still very aesthetic. Now i barely started and i havent been paid yet but so far it looks good!!
Or..they're like 8$..on Amazon
I’m an expat living in Japan and it is such a cash based society and this would work PERFECTLY. I’m definitely giving it a shot!
You got this! It’s so fun 🥰
I'm sooo glad you emphasized that one does NOT need to go purchase beautifully laminated envelopes and binders when starting out. It's best to stay with the basics for a few months until you see what works for you. (New subbie).
When you start stuffing you actually forget the money is in the envelopes.
Yes and it starts to accumulate!! 🤩 my sinking funds envelopes have no problem accumulating, it’s the cash in my wallet that seems to disappear 🤣🤣🤣
I noticed that about myself too. 🎉
I completely agree with this. I told my husband, when I forget to take the money out of the back, because I’m off my game, the money disappears quicker and it doesn’t get saved.
Not me🤣 my husband and i did this YEARS AGO. We called it the Dave Ramsey method. It works. Out of dent in 3 months
Hi Emily! So glad that you show your face and that you tell it like it is….some of us need tough love!
Love how real you are! Sometimes things really are as cut and dried as "stop spending". It's important to keep in mind what you're trying to reach (which goes back to the "why" like you said!) Amazing video!
Thank you so much! 🤗
I love your comment about the credit cards. It is absolutely too easy to overspend with them! We find ourselves blowing the grocery budget because we can use the credit card. We have never had to pay interest, and always pay them off before the billing cycle. However those $20 charges/overages add up fast!
Leave kids at home when shopping instant saving
This video was gold 👑🌟. I loved what you said , budgeting is hard but so is broke, you just have to choose your hard.
Yesssss 🙌🏼
Thank you for making sure no one needs to spend 50-100 bucks so they can get pretty 🎉we love pretty ! But I can get pretty when my budget allows ! Plan budget pretty !glenda still a cash budgeter ! No debt !
I totally used the accordian coupon organizers from the dollar store! It was simple to carry around in my purse and I was able to buy a few for my different categories. I've recently upgraded to the rings binders and find I miss my old system. 🤣
Yes!! 🤩🤩🤩
I totally agree with all the points you made. My life literally improved due to cash stuffing.
Best thing I ever done was start cash envelopes. My job is casual and so it made it hard to know if I could pay big things like car rego or insurance so I started small with those and evolved from there. Now I cash stuff some of my husbands pay for him and he’s saving like there’s no tomorrow :)
Just beginning my cash envelope journey! Been working on my family’s budget (which is so hard bc we never had one) and bought your A6 chic wallet from the presale! This video was so informative and helpful! Thank you!
I just went through my bank statement that's why I'm here thank you !
I absolutely love that u don’t push your product but you give options for people who don’t are in the financial space to buy ur awesome products!! It makes me trust you and know you mean to help and not just “push a product” I love it🥰
Hello! Did you read my mind or something?? I was SEARCHING for this type of video on your channel. Thank you!!
🥰 it’s been on my to do list for literally 3 months!! I realized there’s not a lot of videos out there like this! 🫶🏼
Absolutely loved this ❤
Great video!!! Just started cash stuffing this year and I love it!!! Definitely takes a new mindset!!!
Love this! ❤ real and to the point!
Such a wonderful, informative video as always❣ I wish your videos were around when I had started my cash stuffing journey!
Awesome video I needed this when I started with the cash envelope systems years ago. I had no clue what I was doing so I didn’t stick to it. But I kept going back to it and now I’m doing it. Love your videos 💜
From another Mom of 4, you are doing a great job!! Love the honesty!
Great video! I love the transparency
Thank you so much for doing this. Even though I have been doing the system for a while. I still learned some thing. As always, I love your videos!
Thank you so much for sharing your knowledge. I am obsessed with your videos. God bless you and your family ❤❤❤
First of all I must say you are absolutely beautiful! Secondly thank you for breaking budgeting down now I am more knowledgeable. I started budgeting in January and I am amazed how much money my husband and I have saved. I think a lot of people when you say budget means they now can’t buy what they want to ( my husband thought he was a kid on an allowance 😂) But the truth is you can live comfortably and have those things you want. I greatly appreciate you breaking everything down. Thank you!👍🏻❤️
Your comment made my day! 🥰 cheering you on always! Love hearing about other peoples journeys!
Love your videos!!
Very informative! Thank you for sharing ❤
First!!!! Uploading my next video on Friday!!! I’m really trying to stick to this method and you’re one of my biggest motivators! 😊
🥳🥳🥳 love cheering you on my friend!!
Loved this video, thank you for sharing!
Perfect timing! I appreciate you putting this video together for us. ❤
Of course!! I hope it blesses you 🫶🏼
i'm 19 and in uni, this sounds incredibly helpful! thank you.
I absolutely love this video thank you
Very informative, i love it!
Thanks❤
Such a well organized video!! Also, love your home decor 🥰
Awe thank you for watching friend!!!
Great video. Very informative and I love you tough love advice.
You are a teacher! Love the way you explained the steps of the process. Thank you🌸
Thank you!!
Awesome video. Thanks!
Thanks, I learned a lot! The Q&A was a great addition
Glad it was helpful!
Yes!! When we were swiping it was just it was just money we didn’t see so it didn’t matter! Now that we actually see the money *leaving* our- it has totally changed our habits! “I stop spending” 🤣🤣 love it! The months are never the same! That’s so true! Awesome AWESOME video love! 🩵🩵
Nice video! Thanks for sharing!!
New sub! I’m in the VERY beginning stage of cash stuffing. I purchased the small binder and the fancy envelopes for the more important bills..mortgage, car payment, food, utilities and emergency funds. Other smaller things I purchased just small plain paper envelopes, used a whole punch and out them in my little binder. They fit perfect!
Yay love this Emily! And your house decor is so cute and cozy.
Come to my house right after dinner, it’s quite the opposite 🤣🤣 it’s crazy how such tiny humans can make such huge messes! I genuinely appreciate the compliment friend 🥰
@@theaestheticdollar 😂😂😂 could’ve fooled me! Looks spotless.
Emily great job!! Explaining everything!! Such a Informative Video!! Thank you.
Thank you so much!!
Great video! Thank you
Great video!!! Thanks!!! 💖
Love this video!!! Also, My cash envelopes came today and I looooove them! Thank you Emily!!!
Ahhhh yay!!! 🤩🫶🏼
Finally, a video and content that actually explains this concept and how to. New subscriber because of it. Thank you!!
Awesome, thank you!
Super informative and detailed video!! Loved it 💞💞
Thank you so much for watching my friend! 🥰🫶🏼
Thank you so much for this! SUPER helpful!
Thank you so much!! 🖤
This was such an informative video!!! The best explanation yet, on the cash envelope system!!! Thank you so much for sharing.🥰🥰🥰🥰
Thank you so much! Your comment made my day! 🖤
New Subbie❤ I’m 3 mins in and I love how your breaking it down so far!! I loved when you said money management is 20% head knowledge and 80% behavior. I started budgeting about 2 months ago and so far so good. it gets hard at time because I’m not used to it but I’m doing better!! Okay back to finishing this video and watching your other ones soon after 😊
Cheering you on throughout your journey! You got this 🖤💪🏼
💜Love it💜
Thank you for doing this video 👍👍👍🙏
My favorite channel ♥️ great video!
Awe thanks friend!! I always love seeing your comments!! 🥰
Hi Emily, I love your honesty about credit cards!
Thanks so much!
I just love you! ❤️ Great video!
You’re so sweet!! Day made ✔️ 🤗
Great explanation 😊
I just discovered your channel and subscribed. I am VERY new to the Cash Stuffing System (in fact I haven't actually started except gathering some supplies). I sort of live with my parents in a terrace level apartment. I am disabled so my income is SSDI and my only Expenses are credit cards. I can't figure out how to budget my expenses. None of the many budgeting videos I've watched tell me how to know how much I need to budget for Groceries, Fuel, etc. Thank you.
You posted this at the perfect time 💕💕 just found your channel and I’m obsessed lol
Awe thank you!! Welcome to the channel friend!! 🥰
Amazing ❤ video! Great job breaking everything down & explaining to others so it makes sense. I already know all this as I’ve been budgeting for years and started cash stuffing last year… but I’m not good at explaining things sometimes/my words tend to fail me lol 😂 so that’s why I haven’t made videos like this explaining. One day I’ll sit down and plan these type videos… but for now I’m trying to get our finances under control.
THANK YOU!!!
This video was SOOO helpful! I had no idea how to start or where to put my money
Thank you so much!!!! Started two months ago. Thank you for explaining that most people have saved a month ahead for their expenses this makes sense. This was were I was finding it hard. 😊
For sure!! There are so many aspects to it that you don’t know until you know 🫶🏼
This was the same question I had, too! Now I understand that it’s about saving up to get ahead.
I started cash stuffing a few years ago when covid hit and wasn't making as much as I was before and haven't gone back! I found your channel about a year ago and it has taught me so much more about it and I love it even more and have gotten a lot better with it as well. One thing I struggle with though is I don't like bringing my bulky cash binder with me everywhere and I have yet to find a wallet that I like to put more cash sleeves in... where is yours from because I am absolutely in love with it!!
Thank you!!!
I loved this video so so much… I had so much trouble saving and I had a bad relationship with money.I started my cash envelope journey a few months back and I’m at the phase we’re I’m making my budget and can be with it and trying to figure in out by 2 hours but hey it gets done 😂❤
Great video.💕🙂
❤❤❤❤❤ very informative
Omgeeee your sooo beautiful and your eyebrows are perfection ❤❤❤❤
Great Informative video and great tips I can use going forward.
🖤🖤🖤
Thank you ❤
Very helpful. Thank you!
So glad! 🥰
This was a great explanation and made so much sense. I’ll be cash stuffing for the second time with this week’s paycheck …still figuring out the categories. I’ll keep adjusting and learning each week. I figured it was better to jump in and pay with cash now rather than waiting until I had the “perfect” system. Even my 10 and 13 year old boys are using envelopes! I’m just so tired of living paycheck to paycheck. Thanks for being so encouraging! And I will dm you sometime…I’m in SE MN with the 5 boys ❤
I figured it was better to jump in and pay with cash now rather than waiting until I had the “perfect” system.
Good for you. The biggest hurdle in cash stuffing is getting starting. Concepts such as fixed and variable categories can be daunting. No worries. You get an "A" for effort.
I looooove this video!! 🥰❤️
Awe thank you!!!
thank u very much your very helpful
i used to kind of cash stuff but in a binder.. and its true i spent less money when i had all my money in cash for savings... and now i learned about cash stuffing and i cant wait to get my envelopes to start! :D
Yay!!! So excited for you!! Sounds like you’re doing great 🫶🏼
Wow!!! What you are amazing in explaining this, ive watched tons of this cash envelope system video, but non of them explained it like what you did simple , true, real, prank and Hard haha.
What i mean hard is like you did not sugar coat it, like we need it coz it's either be broke or budget. 2 hardest part of our lives. 🤭. But thanks tho, now i have a clear intention of why i need to do this. Not just for the trend.
Thank you and keep being just real! You're really good in what you're doing.
I will start now!
I don’t use cash stuffing method but this video was SO informative!
I’ve done okay so far this month with building my budget, but I have slipped up with some purchases that I didn’t account for and kinda blew it with the 80%-I think using cash envelopes for those items is something I have to do to keep that under control. This video was super helpful! I think this month I’ll try cash stuffing some items and keep bills in my account and see how that helps me.
You got this!! 💪🏼
@@theaestheticdollar update, I got some envelopes and I’m gonna cash stuff the problem expenses this month!!! I think I got this!!!💖 thank you!✨
Thank you...
Love magic month! June is ours ❤
Magic months are the BEST 🤩
New subscriber 😊 I appreciate this info! Just started my YT channel to document my low buy year 😅 contemplating starting cash stuffing!
You should totally do it! There’s a whole community of people ready to support you! So proud of you for starting a channel! 🤩🤩🤩
I just came across this budgeting system and I am definately gonna try it ASAP...I am literally drowning in debt, I always have no money, always dipping into money set aside for other stuff... Thank you for this video
You can do it!
You’re almost at 9k!!!! 🎉
Omg!! I didn’t even notice 🙈 I feel like we just did the 8K giveaway 🤣🤣🤣 oh well!!! Stay tuned I guess 🤩
this video is a big help for me.... I watched it 4x... Waiting for the next video and for online spending its where im at lost. thank you in advance
I have quite a few of my online spending videos up already, there is one that’s linked in the description of this video, I hope that’s helpful!
@@theaestheticdollar I saw it thank you again and have a great day ahead❤️
Really good, to the point but, thorough explanation!
I have the opposite problem…I can spend cash soooo easily and have no clue where it went 🥴
But, now that there are all these pretty things for cash stuffing, I don’t want to spend…I want to stuff and save 😂
Excellent video. I just started cash stuffing I'm not a month ahead as you suggested I will eventually get there. This is really helping me. It has only been one month but I can already see the difference. My question is do you take out any funds that you have left over at the end of the month and put it towards your debt? Thank you
Yes I always save only when I have cash… because I can feel it, touch it, see it. So much easier to just put away and let it stack. Versus a card I always swipe and never think about the consequences.
Thank you 🙏
I was already adding things to my Amazon bucket meanwhile knowing I don’t have money to buy I appreciate you saying at this season it’s ok to do envelopes!!
How can you start the month advance system?
Hello Emily, new sub here. Starting fresh in 2024, thanks for sharing your information. ❤
Welcome to the channel 🥰
Cash stuffing is also a great way to save. Its rewarding when you look back and can count your savings also.
Yes! It’s what turned me into a saver 🤩
Omgggg I remember the accordian binder 😅
Hi, great video! What are some expenses that you do use a debit card for? 🤗. Also do you just leave money in your checking for utilities and what other payments?
I just found your channel and I love it. Can you recommend a side job? Everything I've looked in to has been disappointing.
Love your channel. What would you recommend as a beginner side hustle?
There are so many things! Door dash, Uber, barista, server, etc 🖤 just google side hustle ideas and pick one that excites you!
All I have to say is this actually works perfectly I have one account that my check goes into which is Cash app I takeout half of my rent money and I put that in my checking and I put 100 or 150 into my savings and the rest I leave in my cash app for groceries or gas money and for my bills too I know exactly what I need to spend on those type of things
💡
How do you keep a good credit score without using credit cards?