HERES HOW: Cash Stuffing // Money Jar // Saving Challenges
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- Опубліковано 28 вер 2024
- Cash stuff, my first paycheck in June! Let's get all organized to obtain the goals for June!!
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That's wild...your income is reduced to less than 1500 after bills and debt...this is why getting out of bebt is so important...financial literacy is life changing...
Totally!! Understnading what to do and how is key!! Unfortunately, debt can still happen, and that's why we got to work hard to stay on top of it. Lots of mine was from my daughters 7 open heart surgeries and countless hospital visits. So time to get out of debt!!! 😃
Hello Friend, as always I always learn something new from you, thank you, Blessings
Thank you 😊 ❤️
I love your Einstein mug❤️great video!
Thanks 😁
Such good advice. You definitely have a nack for budgeting.
Thank you, I appreciate that. 😃
I may have missed it but can you tell me where you got the savings challenge book? Thank you
Me too!
2024 saving challenges (one in video)
www.etsy.com/listing/1541267084/2024-savings-challenge-book-printed
@@lymanjoy it says unavailable! I’ll keep checking thank you!
Here is another one that looks good.
2024 Saving Challenges Book
www.etsy.com/listing/1617215317/save-2024-in-2024-l-2024-saving
or maybe this one?
2024 Savings Challenge Book
www.etsy.com/listing/1273626449/laminated-savings-challenge-book-us
I have been wondering when or what kind of goal do you work toward to then place cash in the bank? For instance, do you do it midyear (like the end of this month) for all categories, maybe when you complete a cash challenge, perhaps when you have reached $1000...??
I like to every other month because anything more than a hundred, I feel like it needs to be in a high yield bank to make money and for safety from theft and fire.
I find like 2 years ago awesome skincare routine and products. Made my skin look amazing❤ but like a month ago I put my peeling cream. I used it once a week. My face start burning. Also my face start to swell and eczema. I ofcource wash it out and took antihistamine and cortisone cream and pills. 😣😣 in a week that "rash" swell up my face, arms, neck, ears . Everything above waist😢. It was itchy, and felt like i was burning. Of course doctor give me stronger cortisone pills and cream and it went a Away. No I dont have skincare routine. I think I would not but anything on my face for while.😅
Oh my goodness, that is absolutely terrible. I am so sorry that happened to you!! I wouldn't want to use anything, either if that happened to me.
You already took 25 out of your stash of cash for clothing. There was no cash in that envelope. And then you grabbed another 25. Just wanted to let you know.
Thanks, great catch 😃
Hi, friend! If you want a hand rearranging your budget by paycheck sheet, I’d be happy to help do that for you. I know you have a lot on your plate and I’m here for you and happy to give back some of my time as a thank you for all you’ve done for me. ❤ lmk if you’re interested in letting me help out. 😊
Wow, thank you so very much. I will see what time allows, and if I can't, I may just take you up on that. That kindness means a lot to me. Blessings 😃
Omg I would LOVE if you made wallets! A6 size would be preferred for me but how cool either way!
Think I would do multiple sizes 😃
I have a 2 years old daughter and I have not buy her clothes maybe once i did. And bought few shoes. My friends gives me they kids old clothes. Most of them are like onve used or never used. So saving money on that. She have clothes like since she gets 5 years old😅😅
And I give her small clothes to my friends who have babies or little ones❤
Yes!! Community at its finest. I love your resourcefulness!! 😃 ❤️
Oh how I love that, helping eachother full circle.
@@lymanjoy Yes just like that☺️❤ I have here just now 2 bags of clothes from my friend to go to my other friends son who is now 1.5years old❤ It really the best thing ever ❤☺️
You didn’t put money in pet care
Opps, chatting too much. Thanks 😃
Great video mam ❤
I love how you plan your finances. You are my role model 💝 I also have a lot of kiddos - 6 🥰
Keep making great videos- thank you ☺️
Thanks for watching!! Thanks for the encouragement, love it, need it!!
Hope you feel better soon! Tumeric was a. Great choice 😊
Thanks 😁
34:09 Laura, did you create this savings challenge book? Where can I get one for myself?
No, but I am for 2025. There are a few suggestions I have for one though:
2024 saving challenges (one in video)
www.etsy.com/listing/1541267084/2024-savings-challenge-book-printed
2024 Saving Challenges Book
www.etsy.com/listing/1617215317/save-2024-in-2024-l-2024-saving
or maybe this one?
2024 Savings Challenge Book
www.etsy.com/listing/1273626449/laminated-savings-challenge-book-us
Anytime when a brand claims their products are considered “clean”. I just moved on…no thank you!
I totally get that, but I researched it. It is indeed clean. Great product, but we have our preferences to each there own 😃
I pray you get better!
Thank you!!!!
Hey new subscriber here, lovely video. Hope you feel better soon ❤❤❤
Thank you so much 🤗
❤ Hi Laura! ❤
(Yes, I detect a sore throat. I hope you feel better soon.)
2:05 Yep, Fetch is good, although I'm trying to have a low or no spend summer so my receipts are few. Bittersweet. LOL
4:09 I like your dollar jar.
4:52 Yep. Lots of change. Hopefully you had a profitable yard sale.
7:13 Good job not spending much money!
9:32 I have watched several of your videos for a while now. You do well to teach people how to organize and use a budget successfully.
11:16 Oh, how sad that your friend lost their child.
11:39 Yes! Reverse grocery shopping is great! I learned it from you! Thank you, by the way.
12:32 Wow! Safe travels and have a successful mission trip to Albania! Blessings to you and your missions team.
13:22 Enough comments. I will just relax and enjoy watching the rest of your video.
13:58 Congrats on the $271! Every little bit helps!
Thanks for the feel better soon!! Love your doing a summer no spend challenge that's awesome!! Love that reverse grocery shopping worked for you too! Thank you for watching blessings to you as well.
@@lymanjoy YOU are the BEST! XO
New sub here watching
Thanks for watching 😃
Great video
Thanks for watching!!
Think when you take money out of that envelope and use it, you have to find someway of recording that
That's a good idea...
❤great video 😊 yes it does save tons of money, the Reverse grocery 🛒 shopping, thanks 😊 for the shout out
Love the feedback and appreciate your consistent support and community.
I love your videos! I have totally binge watched them. I have your whole journal and notebook and I am ready to do this! BUT I ran into a hiccup. There are 4 accounts with my finances. I have a business, a personal, a joint with my husband, and my husbands personal. Would you recommend combining them in to 2 accounts with the business being separate or what would a magic solution for the to do a 0 balance budget with all 4? Business account is paid once a month and so is my husband. I get paid weekly to my personal. We move money into the joint. I have been scratching my head with this when there probably is a super easy answer. Should I do the budget by paycheck 6 times a month? Help please haha. And yes, I completely understand you are NOT a financial advisor I am just asking your recommendations and will not hold you accountable for anything you suggest with your opinion. I appreciate you and the time you take to share and teach us to budget.
Before I make a suggestion, can I ask where your bills get paid from? Also, are all these account traditional banks? Any high yield banks?
@@lymanjoy They are all traditional checking accounts. Monthly bills come from all 4 accounts.
First, have a completely different budget book for business, never combo with personal, if you have money coming from it "pay" yourself and treat that like a paycheck in personal budget.
Ok, there are a couple ways you could handle it, personally I would have a business and joint with my husband, then you could make two high yield savings account for spending personal accounts that are transferred from the joint. There are many out there that are good, I only have experience with Wealth front, but I really like them, and I can move my money quickly and have a debit card. I would have all bills come from the joint and business as they apply. Then I would budget by paycheck, or you could say budget by pay period. Example, week one you and your husband get paid so you combo that budget by paycheck and list all the bills that fall within that period adding spending account to a bill that transfers than do the rest of the categories, debt, cash wallet, sinking funds, ect. Week 2 would be one paycheck, week three two paychecks you and your husbands and then week 4 just one paycheck.
But you could also keep it just the way you have it and if you did I would again combo paychecks to do a weekly cash stuffing and budget by pay period on the budget by paycheck form. When I do mine, I actually do this, so my week one is my husband's paycheck, week 2, I budget two paychecks from two different banks, then week 3, again budget two paychecks from two different banks. Let me know if you have any questions from there.
Blessings
@@lymanjoy I appreciate your feedback. and Yes the business is separate with exception of a "Paycheck" to us into the joint account. All of the business expenses come from that account. I am probably thinking too much about it haha Thanks once again for your insight. Have a blessed day.