Beginner's Guide To Budgeting | Step By Step Tutorial! 2024 Setup For You!

Рет қаралды 139,882

Күн бұрын

Learn the basics of budgeting. You will see how to organize your bills and set up a budget that is simple and will work for you, in 2024 - and for years to come! If you are ready to change how you are doing your finances and finally get some relief, let's get started today!
🍯 FREE Printables For YOU :🍯
Including : Budget Sheet, No Spend & MORE!
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VIDEOS To WATCH:
❓Behind On Bills:
• 💰 Behind On Monthly Bi...
🤑 How To Sell Items:
• 😊 HOW TO Organize Your...
♥️ How To Get Your Partner On Board:
• 🧡 CAN I Get My Partner...
💰How To Do A NO SPEND:
• 🛑Stop Spending Money |...
✨ 3 Part Series On Budgeting:✨
‼️ Part 1 Starting A Budget:
• Finally Set Up Your Bu...
‼️ Part 2: Put Together Your Zero Based Budget:
• Beginner’s Guide For A...
‼️ Part 3: Stop Living Paycheck To Paycheck :
• Fix Your Budget And St...
💵 What Is A Money Order?
www.nerdwallet.com/article/ba...

Пікірлер: 295

@ilovegreen0150 6 ай бұрын

Inflation is crazy, meal planning is required ❤️

@2SisterBees 6 ай бұрын

It really is… 2 meals out can be a week of groceries! It’s crazy out there! 😅

@wendyroberts7212 6 ай бұрын

I am 57 years old and a financial disaster I am committed to learning how to budget I never have, my parents never did. My husband wants to retire in two years I want to create a new relationship with money. Hopefully teach my granddaughter about budgeting. She's 13 so she thinks I have a never ending bank account. This will be great. I'm excited and very motivated

@2SisterBees 5 ай бұрын

I love hearing this. It’s never too late to get finances on track. You’ll feel so much better. 💛 Stick with us!

@jclyntoledo 5 ай бұрын

Wow you're daughter is lucky bc when I was 13, I was fully aware of how poor my parents were and they did not educate me on finances. She will definitely be so happy when she's 18 and she realizes you taught her something not every child learns from their parents.

@getittogetherwithDee 4 ай бұрын

I am about to get myself and my 14yr old son on board as well. I was never thought these things and have been struggling over the years. Now 41 and I don't want to continue like this. I don't want my children to not know how to manage money properly. We are doing this!

@elizabethwelch4307 8 күн бұрын

I'm early 60's and need to start a budget since COvid and inflation has ruined me financially.

@thesimplemoneyshow 7 күн бұрын

good for you for taking the Step to better yourself and make a positive change in your life.

@lolad407 6 ай бұрын

I love paperless. I get text notifications, not emails. I log into my account ( it takes less than 1 minute) pull up my bill and screenshot each page. If it is as usual I will delete the screenshot right after I put it in my budget calendar. If I feel I need to, I will save it to compare to the next months. Thank you for the video!

@Naomi-yq1sk Ай бұрын

Love this help but 10/10 recommend getting reusable bags, I have some cute (some plain) reusable bags that I use every time I go to the store and that saves so much plastic, man. I also watch what I buy and it's packaging bc if I can get 1 small bag of popcorn kernels to pop myself, I choose that over the 5 pack plastic wrapped microwaveable bags. So simple but feels so much better, just bc the plastic issue can't be solved overnight doesn't justify going directly with that toxic, lazy flow. Thank you for your help ❤

@judithprice215 7 ай бұрын

So well done..and....totally agree with you about not going paperless for bills. I have to see them and touch them. I totally AGREE it is to save them money....especially if you have a question it is so hard to try and talk to a person to get something resolved.

@2SisterBees 7 ай бұрын

Yes, ma’am! They try to always have a reason we should xyz…. But who is it REALLY for?? We’re on to them, Judith! 🤣💛🙌

@sarahschreffler5407 7 ай бұрын

Honestly. Paperless works for me. I lose paper. Sometimes it does not even get brought in. It certainly was NOT being opened and looked at. Being able to find it in my email and then adjust my bill-pay to pay it works alongside a calendar of when bills are due. And when I go to pay it, I would see it was way more expensive than budgetted and I'd go and look at the details at that point. The bills I have problems with to this day are things like Toll bills and medical that are NOT part of my process but I get a paper bill I need to keep track of. Even at tax time I appreciate how many places I can go and print out the tax forms instead of catching them in the mail.

@2SisterBees 6 ай бұрын

Yes- those are all good points, too. We all definitely “see” things differently and have to do what’s best for how we see. I am glad you shared how you do it for those that just can’t do the paper way. 🙌

@moirahamrick 2 ай бұрын

I started getting into budgeting last year and lost track of it due to many moves and life changes and I’m finally ready to get back into it. Thank you so much for putting this in terms I can follow and understand. I even used the cash envelope system before, too, and plan on doing it again since I did so well with it before. Thank you again! I can’t wait to get on top of things again

@2SisterBees 2 ай бұрын

This is great news! Don’t stop budgeting ! When things go wrong, that’s when you really lean into it. I have another budgeting video scheduled for today at noon EST that may be helpful for you! 💛

@rangert1194 7 ай бұрын

Sending this out to family members now. Thanks for the video😊

@libbysworld7649 7 ай бұрын

Jen, this is GOLD. I am sharing this with everyone I know! You are helping so many people and I want your channel to EXPLODE! Thank you dear! Have a FANTASTIC week!

@2SisterBees 7 ай бұрын

Thank you so much!! I really appreciate that !! 😍💛💛💛😍

@msdomo64 7 ай бұрын

“Stewarding” just adding to the list. I loveeeee that list, it really just shifted my perspective!!!

@2SisterBees 7 ай бұрын

I’m so glad!! That’s really what it is! 💛

@dolorespena1650 7 ай бұрын

I am so glad I subscribed to your videos!! I'm learning so much, and thank you so much for the free printable, especially for myself, that is on a budget.

@2SisterBees 7 ай бұрын

Awesome! So glad to have you! 💛

@cj._love_under_the_sun 5 ай бұрын

Just to say, I'm 1:35 in and you've already got my attention and I'm feeling motivated :)

@beanachaos 10 күн бұрын

I love how you explain everything

@bethbeckwith7928 7 ай бұрын

The video was easy to understand and to follow. Thank you.

@yourstruly5558 22 күн бұрын

I just subbed wow I’ve been doing it wrong the whole time thank you for the freebies and thanks for breaking it down like this I understand it so much more

@selbarton 6 ай бұрын

My paperless bills on one is to reduce the bill, and the others I have text and email. That works for me because I use my texts and an email folder to fill in my planner with the info sent there and photos for papers I don't want to miss. It means I don't lose the cards/statements and can update my planner without needing that physical folder.

@kristinesimons5743 7 ай бұрын

Loved this. Thank you. Do you have a video explaining the month ahead in depth and how it works from start to finish? I get the concept of getting 1 month of bills saved, but not sure how it gets used and you stay ahead...or is it just like an emergency savings type thing...I'm sure it's simple to understand, but for some reason just can't quite figure it out. Sorry if it's already been explained and I missed it! Thanks again for these videos, they are so helpful.

@2SisterBees 7 ай бұрын

I don’t BUT I will have to make one now! I’m sure you aren’t alone in wondering how this works! Great question! 🙌💛

@quanisha92 6 ай бұрын

I would like to figure this out as well 😊

@ayesarodriguez7652 6 ай бұрын

@@2SisterBeesYes!!! Please I would like to learn as well ❤

@cindyfischbach4675 4 ай бұрын

@@2SisterBeesI would like to know how to break the expenses down to be saved per check when you don’t normally do it.

@bethbeckermeyer1732 7 ай бұрын

Great job! It is wonderful that you are helping so many!

@2SisterBees 7 ай бұрын

I’m trying, Sis! 💛💛💛

@coupe_dville 7 ай бұрын

This is an excellent video to get started. Thank you so much for the freebies. 💜💛💜💛

@2SisterBees 7 ай бұрын

You are so welcome! 💛

@adlpaz44 2 ай бұрын

Thank you sooo much for the freebie 💝🌺 and the wonderful budget explanation

@DawnCross 7 ай бұрын

You always do such a great job! Very helpful.

@2SisterBees 7 ай бұрын

Thank you SO much!

@sachelldupree1330 5 ай бұрын

One or the best explanations thank you so much and for the free templates. I am really ready to start now

@2SisterBees 5 ай бұрын

That’s awesome to hear!! So glad I could help ! 💛💛💛

@angelanute3893 23 күн бұрын

I’m so glad I ran into your channel. ❤❤❤

@nancywalker261 6 ай бұрын

❤❤ Love this channel. My first video I watched & now a new subscriber. Can’t wait to see the rest ❤

@2SisterBees 5 ай бұрын

Oh nice! I’m so glad you liked the video! I have so many topics I want to talk about, just need to make the time! Keep watching- lots more to come! Welcome to The Hive! 🐝

@Mademj8008 7 ай бұрын

Hey Jen 👋🏼. 🫣I'm the bank account checker to make sure everything is on track. Loved the video

@SueS4884 7 ай бұрын

Excellent information and presented so clearly and easy to understand. Thank you also for the printables!💕

@2SisterBees 7 ай бұрын

Awesome! I’m so glad you liked it! 💛

@williamwarren9448 7 ай бұрын

Soooo nice you added freebies to help new budgeters ! One of the concerns I had when I started was the actual start up costs .. nice envelopes nice wallets and what forms did I need ❤any thing that encourages people to manage their monies ❤Glenda

@marybaker8061 7 ай бұрын

❤❤ I was just thinking about that, how this would be a great video to submit for a job on how concise and well spoken she is.

@Mogo7920 4 ай бұрын

Thank you so much for this. I can’t wait to print out the free form and get started. I’ve never had to watch my money but after being a single mom making too much for any assistance but not enough to stay above water, this is so helpful. ❤

@2SisterBees 4 ай бұрын

I was in this same situation for years. It is really hard to be in that position. I had to know in my heart that I could do it. I could do it myself. I had to push myself most days- but it was worth it. I fixed my awful credit, I purchased a more dependable car, I finally was able to buy my own home. The feeling of accomplishment that came with that is something I will carry with me for the rest of my life. I showed myself what I am capable of. I’m so glad you decided to start your budgeting journey. We are here for you- to keep motivating you through it all. 💛

@Mogo7920 4 ай бұрын

@@2SisterBees ❤️🙏🏼

@raquelalvarez6106 7 ай бұрын

thank you for all this wonderful information!!! I will share the video with one of my sisters, I'm sure she will find it useful

@2SisterBees 7 ай бұрын

Sweet!! I hope she does! 💛

@Chanel.Mckenzie 5 ай бұрын

I just randomly came across your channel and I am grateful! I need to REEL IT IN! I have cash stuffed before kinda sorta, but need to get serious. Saw one of your cash stuffing videos and then found this one. I know how to budget, I just overthink it all, and this made it Ssooooo easy and I thank you! Grabbed an old binder, some of your free printable and rode out the storm here last night putting everything together. I DID break a no spend day and bought a binder for cash stuffing. When I did the budget, I found out I can easily meet an urgent goal by mid February literally just by sticking to that budget. I had been stressing about it. Subscribed now for sure, and the challenges look fun so I'm going to make sure to get there soon!

@2SisterBees 5 ай бұрын

I’m so glad you found 2SB! 💛 I was the same way- I knew about budgeting and I was doing it for years when I was a single mom. But lifestyle creep got real once Jason and I got married. We just kept spending more and more. 😅 We had to reel it in, too! Things are so different now. We’ve made so many changes and we actually like it this way much better! Less stress! You’ll do it, too! You already have the drive- just keep going, Sis! 🤍

@Chngestrtswthu 2 ай бұрын

Thank you for the useful information. I’m just getting started on this and I love your method.

@2SisterBees 2 ай бұрын

I’m so glad it was helpful! 💛

@BethelBudgets 3 ай бұрын

New supporter here! I love the way you laid this out for new budgeters. THANK YOU!!!

@2SisterBees 3 ай бұрын

Awesome! Glad to have you! 💛

@nicolewildasin9712 7 ай бұрын

So detailed! awesome for beginners

@2SisterBees 7 ай бұрын

I’m glad! 💛

@BudgetwithTony 2 ай бұрын

I needed this video 😅

@brandi1719 7 ай бұрын

I used to use money orders in my younger years. I'm working on setting up our budget and debt goals for the coming New Year ❤🐝

@2SisterBees 7 ай бұрын

Me, too! I’m getting things figured out. I want to go over it with Jason and make sure we are on the same page. Money orders were the best, right!? Kept me out of a lot of trouble when I was younger. I was a waitress so I always had cash on hand. I would go get my money orders OR I would pay a lot of things in person, too!

@brandi1719 7 ай бұрын

@@2SisterBees I remember some of my bill companies wanting a cashier's check or money order, not a personal check, like for rent. I kind of miss the old days. Now, I work for a Credit Union so our mortgage, car loan, and credit card is through them. I just transfer my payments.

@TrishaAnderson926 7 ай бұрын

Awesome video, Jenn! Thank you!

@2SisterBees 7 ай бұрын

Thanks for watching! Hope it helps! 💛

@Cocacabanabudgets 6 ай бұрын

New sub! loved this vid. Thank you for sharing the free pintables!!

@2SisterBees 6 ай бұрын

I hope they bring all the savings vibes for you! 💛💛💛 Welcome to The Hive! 🐝

@caprispillingtheteaLST 7 ай бұрын

I am more of a digital girl but I do take cash out on occasions ❤thank you for this beautiful video

@2SisterBees 7 ай бұрын

You are so welcome! Thank you for watching! 💛

@melyssalynch7719 3 ай бұрын

This was so simple yet so helpful ! Thank you.

@2SisterBees 3 ай бұрын

I love to hear it! 💛

@ginamoffett1973 7 ай бұрын

Great video Jen. Very informative and interesting 🤔

@2SisterBees 7 ай бұрын

I’m glad you liked it! 🙌

@rebecksbecker1493 Ай бұрын

old fashion cash budgeting, love it!

@2SisterBees Ай бұрын

Yessss! Just back to basics. It works. 👏

@senbuvoltz1215 5 ай бұрын

I want to stop living pay check to pay check! So this was AWESOME to find!

@2SisterBees 5 ай бұрын

Awesome! I did a follow up video yesterday putting together a budget binder here : ✨ Budget Binder Explained | Easy Setup | PayDay Routine | For Beginners kzfaq.info/get/bejne/qdBxg8af3NWVgZc.html And I have a really in depth 3 part on Stop living paycheck to paycheck Part 1 here: kzfaq.info/get/bejne/j8qHkpZmuK2wg2w.htmlsi=pcfwl7P5lskqt2m- These may help you a bit more! 💛

@samuelsanchez8212 2 ай бұрын

Awesome video very well put great way to make everything come together instead of having chaos every month trying to figure out where the money came in or where the money went to I agree about agree with you in regards to the bank I use one that gives you three accounts as well one is credit builder that will increase your credit score automatically by paying your bills with it 2 the checking account and the next one is savings account and they also cover you in the middle of the month if you run out of money they cover you and they don't charge you extra fees at the the next pay cycle week or the month when you get your income again

@NiNitosix 7 ай бұрын

I’m baaack🤣. I need to get back on track with this. My husband is about take most of our savings to build his shop. You sure encouraged me before! ♥️

@2SisterBees 7 ай бұрын

Hey!! Long time, no see! Glad to have ya back, Sis!! 💛💛💛

@NiNitosix 7 ай бұрын

@@2SisterBees thank you, sis!!!💕🤗 glad to be back! I had to go on a 4 hour trip. Dad is 82 and had surgery today. I’m going to watch right now!😁

@heartitraces74 3 ай бұрын

I’m brand new to the hive 🐝 and I’m soooo excited to be here!! I’m 49 and in a few months I will be 50 😬 Thankfully my husband is so good with money because I have always struggled. It’s like money slips through my fingers. I’m determined to turn that around and impress my husband & myself that I can do this. Thank you for sharing all this great information. I’ve been binge watching your videos 😅 I’m going to purchase your budget binder basics to get started. I’m not sure if you have done a video on credit cards and cash back using them? I know using credit cards are a taboo in these financial communities but would love to hear you and your sisters thoughts on them. I’m nervous about carrying cash, especially such large amounts (maybe I just need to get over that). Thanks again!!! Cannot wait to learn from you all!

@qinghunt5207 3 ай бұрын

I like this step by step , so useful ! 🤩 And I am the only one notice she has beautiful hands lol

@samuelsanchez8212 2 ай бұрын

Indeed I have noticed as well but stayed silent

@sherrypool7653 7 ай бұрын

great video loved it

@2SisterBees 7 ай бұрын

Thank you! 💛

@SolarBeamInk 5 ай бұрын

yes to the no spend challenge,, I struggle with the order alot bc it's not working for my brain to get stuff out of? but the challenge could be a fun thiing!

@cmcasadoiro 4 ай бұрын

Wonderful video, thank you so much

@2SisterBees 4 ай бұрын

I hope it helped you! 💛

@Practice_Kindness-1st 4 ай бұрын

I have just forwarded your video to a friend of mine that really needs it.

@2SisterBees 4 ай бұрын

I’m so glad to hear it! I hope your friend finds it helpful. 💛💛💛

@MariaGarcia-gv8hj 6 ай бұрын

Now I have more knowledge about personal finance, thanks to your channel, I just subscribed.Big ups to everyone working effortlessly trying to earn a living while building wealth in this recession. I’m 45 and my husband is 51, we are both retired, no debts. We are currently living a frugal and financially savvy lifestyle and generating passive income even during this recessionary period. Our commitment to saving and investing in the financial market has enabled us to maintain this lifestyle and continue earning monthly passively through investment.Traveling is now on our horizon, thanks to our financial choices,,

@Driffting 6 ай бұрын

This helped me soo much thank you xx

@2SisterBees 5 ай бұрын

I am so glad to hear it! 💛

@shanitawalker8861 7 ай бұрын

Love you strategy thank you for your content

@2SisterBees 7 ай бұрын

Awesome! I’m so glad to hear it! 💛

@marybaker8061 7 ай бұрын

❤❤ these are crazy water bills! 💧 How insane, whew wow!

@2SisterBees 7 ай бұрын

It was crazy! There was a leak outside - I showed it on one of my cash stuffing videos. It’s like some underground valve outside. Just full of water and letting it flow! 😭

@2SisterBees 7 ай бұрын

It was crazy! There was a leak outside - I showed it on one of my cash stuffing videos. It’s like some underground valve outside. Just full of water and letting it flow! 😭

@marybaker8061 7 ай бұрын

@@2SisterBees oh my goodness! I hope they worked with you on that. Wow, it sounds odd it'd be wide open like that!

@devingoorsamy7592 6 ай бұрын

Thank u from South Africa

@2SisterBees 6 ай бұрын

You’re welcome! Thank you for watching! 💛

@denitarobinson7 3 ай бұрын

This was very informative. Thank you.

@2SisterBees 3 ай бұрын

I’m glad that it was helpful. 🙌

@suprememagnetic4850 10 күн бұрын

Great video, congrats on paying your car off, oh what a feeling 😊😊

@2SisterBees 9 күн бұрын

Yes! It is a good feeling ! 💛 I never had a car payment until I started making a little more money and then I thought to myself, “ This is what I’m supposed to do now - get a better car and then buy a house.” The house - I did good on but the car payment… not so much. 😅

@Blessed-px2rh 4 ай бұрын

Super helpful. Thank you

@2SisterBees 4 ай бұрын

Glad to hear it! Thanks for watching! 💛

@Einsd619 6 ай бұрын

I couldn’t help it - I sent a friend so many links to your videos and free printouts. I am hoping that not just I can get out of debt in 2024 and develop better spending - but that those I care for do as well. I’ll be annoying in 2024 😂

@2SisterBees 6 ай бұрын

Hahaaa! This is awesome! I am guilty of this! I tell everyone I know how to save and to pay off debt! We can be annoying together! 🤣🤣🤣

@ProsperityGrowthPower 6 ай бұрын

Money orders offer a tangible way to manage and allocate funds. This method not only streamlines budgeting but also adds an extra layer of security by limiting transactions. It's a useful tip for those looking to enhance their financial control and awareness.

@2SisterBees 6 ай бұрын

I think so, too! A forgotten way of keeping finances organized.

@blackhairgrowth01 Ай бұрын

Thank you so much

@2SisterBees Ай бұрын

I hope it was helpful - 💛💛💛

@jesuszubizarreta 7 ай бұрын

❤ This is great I am getting prepped for next year budgeting and taxes. 😢😂 Needed a reminder how to get it together with my budget.🎉

@2SisterBees 7 ай бұрын

I am working on mine, too! So many different goals now that we are out of debt.

@jesuszubizarreta 7 ай бұрын

@@2SisterBees I need to not put myself further into debt first lmao! Self control, Jesús, where is it???!!!

@2SisterBees 6 ай бұрын

Like ol’ Nancy Reagan told us kids back in the 80’s - “ Just Say No” 🤣🤣😅

@jesuszubizarreta 6 ай бұрын

@@2SisterBees I feel like me pulling the credit card out at the cashier is a lot like Jim Carrey in Liar Liar with the blue pen 😂

@scolawambui6923 6 ай бұрын

Wow! Thank you so much!

@2SisterBees 6 ай бұрын

You are so welcome! I hope the video helped! 💛💛💛

@scolawambui6923 6 ай бұрын

@@2SisterBeesit helped a lot. Starting me on the right trajectory this 2024.

@daytonbrooks 5 ай бұрын

I liked the word map piece in the beginning

@2SisterBees 5 ай бұрын

Sweet! Thanks! Getting our money together involves so many things. I think we tend to forget. ✨

@appleblossomfamilyfarm3553 2 ай бұрын

Great video - thank you! I would love to not use paperless. Not sure about the US but in Australia they charge you an extra fee unless you use paperless. So it is a toss up between paying a fee (which makes me cross!) and having the paper bill in my hand that I want.

@rosynieto6532 6 ай бұрын

hi thank you the infornation is great but my question is how do I get a month ahead and pay my current bills? thank you

@defiantaichi 5 ай бұрын

I travel a ot for work and moved hosues several times. I am paperless, but i do try and maintain a pocketbook of expenses

@hfortenberry 3 ай бұрын

This is so cool! I had made a plan to work on my budget every week so it's perfect that you do this weekly!!! I'll do it with you!! Subscribed! Okay, I've following along and wrote it all down but I don't get it. How do I pay all my bills using cash? Do I get money orders for ALL my bills? Then I'm spending a lot on money orders, right? I'm really excited to do this because I think it will help me get control of my spending and pay off my debt; but, I am worried it's not going to work with how to deal with this cash.

@MarieangeZarifeh-wp5mo 7 ай бұрын

Amazing

@2SisterBees 7 ай бұрын

Thank you! Cheers! 💛

@agustine9222 Ай бұрын

Beginner is wild. I almost had a panic attack watching this 😭

@johnkelly9451 26 күн бұрын

We just use a tablet writing paper, we put our paycheck amount on the 1st of month (payday) and the 15th... then subtract bills and then adjust from there. We've listed our bill by priority and due date in column of which payday it comes out of, then put any extra towards debt (the most possible), emergency savings (oil change, brakes and rotors, car repairs) a job loss, and a portion to savings. We also write on bottom the gotchas that we didn't figure in, car registration, bdays ect... then figure out. We've gotten creative for thoughtful gifts, it's not the gift but the manner that it is given. An within a small budget saved a little at a time. We can't spend more than we make... so... yes, either make more or spend less... We see where we're at in this moment in time, make a plan for where we're at and where we're going and reassess as needed. Once setup, it's an eye opener but easy and works for us...

@samantharowell9733 7 ай бұрын

I go between paying some bills in cash, but others directly from a card. HOWEVER I just started getting a budget binder, and using a calander to mark off when all bills are due, and which Friday's check pays for which bills.

@2SisterBees 6 ай бұрын

Yes! That’s awesome! Keeping track and staying on top of it! Great job!

@lizbrown3021 27 күн бұрын

I'm on fire girl!!!!

@jessimcconnell2973 7 ай бұрын

I refer to it as a spending/savings plan not a budget. It seems less painful.

@2SisterBees 7 ай бұрын

It does! 😅

@theBudgetingSisters 7 ай бұрын

Great video and thank you for the freebies.. april

@2SisterBees 7 ай бұрын

You are so welcome! 💛

@lenabellamy1262 7 ай бұрын

Yay! I’ve got bill increases coming early in 2024 but haven’t heard about any raises coming from work so this will help.❤ How would you do this if you don’t have enough to pay bills that are due this pay period plus try to save up half or a quarter for next month?

@2SisterBees 7 ай бұрын

Hey Lena! 💛 I have a couple videos linked for anyone that needs ideas on how to get back on track. The only ways I know are to raise income and cut expenses. Not everyone can work more - so I really recommend selling items. It has gotten me out of so many jams. I go through my entire house, take pics and start posting on FB! Here is the video on selling items: kzfaq.info/get/bejne/b66fqciJ3quWdGw.htmlsi=LnSZQiz4mDUXJU9E Saving is HARDER than ever. 💛

@mariahgamesyt 6 ай бұрын

what if you get paid every Wednesday and have bills that fall before or after then? I definitely want to try the whole dividing everything by 4 and such I'm just trying to figure out a plan that'll work with doing that!

@ffiontitmuss2235 3 ай бұрын

that’s a great question! I use the “spending last month’s pay” idea to manage it personally - so I got to a place where I had saved approximately one month’s pay, and then in every following month, I was essentially using the previous month’s income to pay my bills, which meant I already had the money to pay regardless of when my bills fell in relation to my paydays.

@Budgetwithfreshsalad3544 6 ай бұрын

Nice video new subie 🎉

@conniet9288 2 ай бұрын

I agree auto pay is easy to lose track but I do not trust mail honestly. E-bill reminds me of everything and I don't miss it.

@2SisterBees Ай бұрын

You definitely want to continue what works for you. 💛

@barbw6116 2 ай бұрын

Thanks for your content , so very informative. I’ve only recently began watching . When you say 10% for car (payment ) .. if I don’t have that expense would the 10% be registrations , car maintenance , etc ?

@2SisterBees 2 ай бұрын

I would think that is up to you but it isn’t a bad idea. Car repairs, insurance and even gas are so expensive now. If you do the math, those things might come close to that 10%! I am not a financial advisor so I don’t want to say that’s what you absolutely should do- run your numbers and see what you think. Thank you for watching and I’m glad to have you here! 💛

@JeanetteCruz7 4 ай бұрын

New subscriber😊

@2SisterBees 4 ай бұрын

Hi and welcome! Since this video, I have set up a budget binder and just started using it ! Setup Binder Video: kzfaq.info/get/bejne/qdBxg8af3NWVgZc.htmlsi=Y49c_pBSvZmh56IW And here is where I am putting it to use: kzfaq.info/get/bejne/gMqDpq2I1c_cXYE.htmlsi=N_IHGKCVfGzr411s Hoping that will give you even more motivation for your budget! 💛

@renatal1972 6 ай бұрын

After my dad passed in 2019 I switched back to paper billing on everything. It was a nightmare trying to find out what bills I had to pay on his estate because he had gone paperless and I didn’t have access to his computer or emails. So until companies were trying to go into collections I did now about the bill. I still pay the bills online through my bank, but I want the paper bill so I know what is due and when.

@2SisterBees 6 ай бұрын

I tried paperless for a very short time- just a little old school over here- but it works! 😅 I’m sorry to hear of your dad’s passing- we lost our dad in 2020, it’s still very fresh. 😢

@quanisha92 6 ай бұрын

Great information! My water bill is due every 3 months how should I plan for that and what category do you suggest I place that in? Thank you so much for your help! I'm so happy I came across your channel 😊

@makeanddohandmade 6 ай бұрын

I would overestimate how much I thought it was going to be and divide by three, setting that amount aside every month 🙂

@TheFinanciallyFitRN 5 ай бұрын

Setup a utility sinking fund and average what the last three pass bills were and take the average and divide by three and and save in an account or envelope so you have it to pay in three months. Works like a charm!

@randomnielle 5 ай бұрын

We pay $500 towards utilities every month. In January We paid $325 to the bill and put $175 into savings to use in the summer. Our bills last year got over $600 in the summer months and it helps offset by just paying the same amount every month.

@Esma1919 7 ай бұрын

Hi, this video is very helpful. Where is your calculator from? I’d like to find one like it before I begin my after Christmas no spend period.

@2SisterBees 7 ай бұрын

I didn’t get mine from Amazon but I found it! www.amazon.com/Calculators-Benkaim-Calculator-Standard-Business/dp/B0BP1N8ZKX/ref=mp_s_a_1_43_sspa?crid=1QUZLBWB9W0IW&keywords=calculator+big+buttons&qid=1702772956&sprefix=calculator+big+%2Caps%2C219&sr=8-43-spons&sp_csd=d2lkZ2V0TmFtZT1zcF9waG9uZV9zZWFyY2hfYXRmX25leHQ&psc=1

@kristylawton1350 6 ай бұрын

This is great tips. Donyou have the links for the budget sheets ?

@2SisterBees 6 ай бұрын

Yes, I do! And now you do, too! 💛💛💛 drive.google.com/drive/mobile/folders/1VRf2dzNHV84v-oLIbufEnM3LlNcDpXcr

@JeanetteCruz7 2 ай бұрын

HI LOVE YOUR CONTENT, FOR ME I GO TO 4 DIFFERENT STORE TO GET GROCERY😅😂, DEPENDS ON THE DEALS THEY HAVE EACH WEEK, I HOPE I'M CALCULATING CORRECTLY (I COUPON THATS WHY I BUY LIKE THAT)

@2SisterBees 2 ай бұрын

That’s awesome! I finally have an Aldi close and I want to go in there and see the prices !

@2SisterBees 2 ай бұрын

Also, did you watch Queenpins on Netflix? Great movie!!

@melanieholder2209 Ай бұрын

ok so paperless isn't as bad as you think you can print those bills when you get them over email for you records you can also print the confirmation emails so you have proof it was paid not going paperless can cause you to not have this proof via confirmation emails.

@KellyMartinAuthor 6 ай бұрын

I love this! I do have a question. I understand budgeting, however, I can't wrap my brain around my situation with budgeting. I get paid monthly and it is a fixed income (Salary). My husband gets paid every two weeks and is variable (hourly with shut downs if there isn't enough work). How would you suggest planning for that? I really want to get a handle on budgeting in 2024. We have been married 20 years and I feel like we have never had a year when we weren't "just making it" (sorry for such a long question)

@2SisterBees 6 ай бұрын

Hi there! This is a great question- I actually have a 3 part series on setting up a budget. I go much further into detail about variable income and other things. The videos aren’t super entertaining but they do contain good info. Here is part 1 and the other two will be at the end for you to click and keep watching. I hope these help you. kzfaq.info/get/bejne/iLOErbxelqfGpY0.htmlsi=d10JeSegy-hAhv_n

@xcasanova1579 6 ай бұрын

I like paperless billing, However, here and there, I get a couple of dollars discount from different companies when I use paperless billing. a buck saved is a buck saved. hehe

@2SisterBees 6 ай бұрын

As long as it works for you- that’s what you should stick with. 💛

@cj._love_under_the_sun 5 ай бұрын

so, I have a question. my husband gets paid 1 to 2x's a yr. , do you have any suggestions on how I can figure out a budget? It's been nearly impossible but I'm determined to not give up :/ :)

@banjogirl88 7 ай бұрын

Oh my gosh! I can't believe your daughter pays $250 every 5 weeks. I feel so bad for her and anyone who has to pay those astronomical prices to get their hair done. There's no way I would pay that. I pay $45 every 5 weeks and that includes getting my hair colored and cut. And I have very thick, very long (down to the middle of my back) hair. I'm SOOOOOO glad I live in the middle of nowhere in Wisconsin. Lol.

@2SisterBees 7 ай бұрын

Yes! Some of these places are getting crazy. My girl is very reasonable- she’s the first one I’ve found in a long time that is and I’m sticking with her! My daughter’s salon has been steadily raising prices for the past 2 years. 🤔

@ireneroy8820 6 ай бұрын

Ridiculous

@Whoa_Nisha 6 ай бұрын

I have long thick hair, and to color cut and style mine is around $300-400. I haven’t gotten mine done in a year because I’ve realized it’s too much lol. Going to let my natural color grow out until I find somewhere that can do my hair.. I used to go to Tony and guy- that’s why the price 🤦🏽‍♀️ lol

@jimhart821 6 ай бұрын

I love my lady. Have had her over 10 yrs now. Pay $75.00 color cut and style. Thar includes tip.

@selbarton 6 ай бұрын

Wow, I pay $20 with tip included to trim/cut my hair every year. The advantage of long straight hair that I put up to keep it out of the way.

@brianneholmes6547 7 ай бұрын

Spending Plan!!!!!

@2SisterBees 7 ай бұрын

Yessss!

@lisawilliams5 7 ай бұрын

Love this video. You caught me off guard when you said Publix. I forgot you are a Florida gal. 😂 How are you coping without a pub sub available? 😊

@2SisterBees 7 ай бұрын

It’s a struggle! Every time April says she is getting one- the green eyed monster comes out! 🤣🤣

@denisemeyerhoff-qp9df 7 ай бұрын

Hey Jenn 😊

@2SisterBees 7 ай бұрын

Hi Denise! 💛

@chelle7362 3 ай бұрын

Where do you get your cash stuffer notebook? I can print the stuff but I haven't seen a notebook like that one. Also, I didn't see the link to your sister's video about digital stuffing, or however you call it. Thank you for your videos! Enjoy your humor and suggestions.

@2SisterBees 3 ай бұрын

I think you mean the binders that I actually hold my cash envelopes, yes? Those are on Amazon. If you type in search “A6 cash binders” you will see many colors and designs. Glad you liked the video! 💛💛💛

@2SisterBees 3 ай бұрын

April’s channel is linked here : youtube.com/@2sisterbeesstudio?si=NwG0AOxPKQ7gJjOR

@brendaplans1992 Ай бұрын

Hi Jen. I am brand new here and your posts are so ultra helpful. I do have a question. Every pay period I tithe 10% of my income which is hundreds of dollars per month. Do you tithe and have this covered in a different video or do you not have that as part of your budget please? Thank you so much!!

@2SisterBees Ай бұрын

Welcome to The Hive! It is actually part of mine, as well. Here is a video I just posted that should be very helpful for you. I go over step by step budget and I include the sheets I am using as a free download for you. kzfaq.info/get/bejne/mqiCqbp_y66wqKs.htmlsi=oNYzwnxDUyjEVtdU

@brendaplans1992 Ай бұрын

@@2SisterBees thank you so much!!! I am going to devour it right now 😊 Thanks for everything!!

@ericapeneguy2653 6 ай бұрын

So if I start this on Friday, do I go ahead and pay the bills due this week and only cash stuff for the rest of my monthly bills?

@2SisterBees 6 ай бұрын

If you are going to cash stuff your bills - make sure you are extremely organized with it. Have a calendar with all of the due dates written down so you can be sure to have the cash in your account and paid on time. I don’t stuff my monthly bills- I only cash stuff my variable expenses and things I am saving longer term for. If you are not living paycheck to paycheck or anything like that- you should be fine but still be super organized. Honestly- I suggest to new cash stuffers to start with just a few envelopes where they would like to see themselves sticking to a budget. Things like groceries, online shopping, or eating out. It really depends on what types of bills you have. Just don’t get overwhelmed- once you get the hang of it, it gets easier. I started with one binder and had probably 8 envelopes. You can ask anything else you can think of - and I’ll try to help. 💛

@sharlenescott356 7 ай бұрын

My husband does the same thing, I'm like whatt

@2SisterBees 7 ай бұрын

It’s like- help me, help you! 🤣🤣🤣

@mgordon1360 3 ай бұрын

Hi.. love this ! How do I find the links below? I am not a newly at this but I can’t find them???🤭

@2SisterBees 3 ай бұрын

Here is the link for ya! and welcome to The Hive! 💛 drive.google.com/drive/mobile/folders/1VRf2dzNHV84v-oLIbufEnM3LlNcDpXcr

@mgordon1360 3 ай бұрын

@@2SisterBees -Thank you!

@Northerncouple13 5 ай бұрын

❤

@2SisterBees 5 ай бұрын

💛

@Matt.Ripley 6 ай бұрын

I get the sentiment, but not sure we should be promoting paper copies if we’re also looking to reduce environmental impact. Are there other methods that keep the focus, but keep things digital?

@2SisterBees 6 ай бұрын

My POV is that there are a million other ways we can reduce waste. If someone is struggling to keep up with bills and paying on time and/or need a more visual way to get back on track- staying with paper billing is a good option. I think it’s a good temporary solution to reset your mind- then once things are streamlined again, go back to paperless. It’s just one suggestion of many that could potentially help some of my viewers. Not all of them work for everyone- I do my best! 💛

@ireneroy8820 6 ай бұрын

Let’s say you save $200 in an envelope in a month. I see it different…adding that $200 $400 $100 that I save in a month to MY SAVINGS ACCOUNT benefits me more each month BECAUSE Of the interest I receive each MONTH from the monthly DEPOSIT… INSTEAD of WAITING till the EnD of the YEAR! This is for people who save in the envelope system. I love the explanation of how to budget!! ❤

@2SisterBees 6 ай бұрын

Well, yes. If someone wants to place savings in a high yield savings account, they will reap the benefits of that monthly interest. For me, when I first decided I wanted to pay off debt and save, putting money in a savings account didn’t work for me in the beginning. Mentally, I was still seeing money as “just numbers” on a screen. So, when my checking account would get low because I wasn’t budgeting very well, I would just do a couple little clicks and move money from savings back to my checking. The cash method ( because it’s so visual) reignited what the value of a dollar is. After some time, your spending habits get better, your budgeting gets dialed in- and once that control comes back- putting $ in a savings account is very beneficial. It’s the “getting there” that is the real work. Also, a lot of cash stuffers swap out the cash they have saved in the envelopes for “prop money” and deposit it once they reach a certain amount. There’s so many ways to do finances- just gotta find what speaks to you. 💛💛💛

@ireneroy8820 6 ай бұрын

@@2SisterBees yes. I get that! I use to do cash envelope ✉️ system Like $100 groceries $30 gas $20 cvs for hygiene Using also coupons and ECB’s alone with the $20, fun money $20 clothes $30 Eat outs . For hubby and me. I would then save up the money left in each envelope at the end of the week. If I needed more in one I would take it from another, made me not want to spend at all! Thats how I started saving so much. That year I saved over $5000 I have no debt besides home, which is low Built a home in 2017. We had already paid our land in cash, we had no debt. Put $52,000 on my home also The last 4 years we saved an average of $20,000 A year. Everything that comes in goes in savings Unexpected checks, anything, income tax return and etc. we over pain a dr. Bill the other day and got $21 Back, we deposited that