I appreciate your kind words. Jason and I discuss all the time how there are so many young people that are just starting out in life and maybe don’t have anyone to ask these types of questions. I was young when I moved out, only 17, and I had no idea what I was doing. I learned everything the hard way. If I can help a few young ones out there and give them some answers, I’m happy to do it! 💛

I was pushed into budgeting last month because my husband’s job was making changes so he retired in November. I went through all of our bills and got rid of so much we didn’t need! Our house is total electric so I put it on the budget plan so that we didn’t get hit with crazy high bills this winter. I started meal planning too because we used to spend WAY TOO MUCH on eating out. Just with these few changes, I feel so much better about our finances. Budgeting your money is definitely the key. I only wish I would’ve done this years ago.

Yes, exactly. We are not taught anything in school and the younger kids have never been inside a bank or handed a paper check. They have legitimate questions and I don’t blame them. It’s definitely things that get overlooked when we do cash stuffing, budgeting and all the things. I like your idea for a video- I think a lot of people would benefit from that.

I know how you feel. I love to be able to order make up , personal hygiene vitamins, etc, that I may not find in the store and save myself the running around plus my granddaughter is an avid Amazon shopper

Oh yessss! Made my weekend! Paid off half of your cards!? That is amazing! I am literally doing a dance over here for you! 🙌💛🙌💛🙌💛

❤❤ is an awesome idea!

Love this idea, thanks for the tip.

My 13 year granddaughter and I are cash stuffing for a vacation to Prince Edward Island next summer. It will be her first plane ride. Can't wait for this grandmother-granddaughter trip!

I am a smoker, too. I totally get how hard it is to quit. I recently quit and I’m back to cheating here and there- it’s a struggle. 🥹

Yes I remember you saying that! That’s why I think you’re so gracious!

Awesome! I’m so glad to hear it! 💛

Yes! That’s a great idea! 🙌

I am so happy to hear this! I do try to educate my viewers with the idea that they they will find motivation and understanding to start saving, too. Even if they don’t necessarily “cash stuff” - sometimes just seeing how someone else is saving and finding a way that works for them can spark that saving bug in someone else! Thank you for your kind words! 💛💛💛

Yes! I love that you guys mentioned this- it’s a great option! 🙌

Yes- for sure. I just try to adjust in some way to make it all work. Options, options! 💛

Hi there! 👋 If your goal is to truly be debt free- I would focus on that and cut out ALL extra spending. Anything that is “extra” - get rid of it for now. It is a temporary sacrifice for a permanent win! Debt is stealing your joy. Make those small changes of brewing your own coffee, packing your lunches, meal planning- and watch how much extra adds up to pay debt! I have been working on a wallet set up for myself but it will be for my necessities. I am thinking mine will be - groceries, gas, household, coins and then an empty one to hold any $ that I am taking with me for appointments. Have you thought about a No Spend challenge? That’s a great way to jump start your savings AND see where you are spending currently. Check out this playlist when you have time, I have videos on No Spend, organizing your home and selling items, how to have you and partner on same page, how I paid off debt- so many things. kzfaq.info/sun/PLXxg-FjCIQmXa2yCupBCk4QyNIpWPAXbj&si=vyOAa92IHlgjgbUr I hope this helps! I’m proud of you two for taking this step for the new year and taking back your hard earned $!!

I totally understand! However, I was forced to in November when my husband retired. It made me decide what I could cut back on or totally eliminate to free up some money each month. Sometimes writing it out is not as bad as you thought! If it is, you see where you can form a plan to make some changes. 🙂

Awesome! Your questions were great! 🙌

Awesome! I’m so glad! 💛💛💛

Oh thank you so much!! I’m glad to be back! 💛

Thank you! 💛

Yes! I need to be better about that. I do look for BOGO and sales- but coupons would help, too! 💛

Yesss! That’s awesome! 🙌

It does! It just takes that decision to make it happen! 👏💛

I’m so glad you find the info helpful. 💛

I think so, too! I love learning and I love to share what I learn! 💛

We inspire each other, Sis! 💛 You guys keep me going, too!

Oh thank you!! I’m glad you liked the video! 💛

Glad you liked it! 🙌💛

It is really cool! I will be really tracking myself this year! 🙌

Oh awesome! So glad you found us and got started ! The small changes add up! You’ll see the progress so fast! 💛

Glad you enjoyed! 💛

❤❤ I always love your editing and it's awesome you take time to teach others!

❤❤ as a person with intense dental work happening now, I get where you are with that!

Glad it was helpful!

Yay! I’m so glad it was helpful! There’s more coming - I filmed one today and it will be up tomorrow! 🙌 Also, have you watched the other video where I answer questions from viewers ? If not, here it is: kzfaq.info/get/bejne/iMmUhMSGs7HZgJs.html 💛💛💛

@@2SisterBees no i haven’t watched it I just recently found ur Chanel this morning while at work but I’m am definitely going to watch it rn!

Oh nice! Love to hear it!! Did you see the setup of the budget binder video yet? kzfaq.info/get/bejne/qdBxg8af3NWVgZc.htmlsi=whzALf6NgPYzYoO9 This would probably help you. And I just listed a Budget Download packet here : www.etsy.com/listing/1668821034/

I’m right there with ya! 😊 And, if it doesn’t balance to the penny, I WILL find it! 😂

I love that you guys shared how it works! It really does! 🙌💛

I’m so glad you think so! 💛💛💛💛

Hey! Welcome! Life happens, right? But I love how you say “Start Fresh”! Yes! 🙌

I do, too! Hahaha Learning never ends! 😅

Thank you! 💛

I’m glad you’re here, too! 💛 It’s hard to change habits but not impossible. I was doing the same thing. I cut my grocery bill by 60-70% over the last couple years. A step at a time. And now I track all my spending and expenses. And most importantly, I budget. If you haven’t seen this video yet, check it out. It will probably be really helpful: kzfaq.info/get/bejne/g52llqydnrOro2Q.htmlsi=1EvfeSkviq9YhCmy And this one : kzfaq.info/get/bejne/bthpf7KHtcuXc4E.htmlsi=iiSv_8VGYEHi2-o8 I hope those are helpful and get you even more motivated! Welcome to The Hive! 💛🐝

Thank you so much for your kind words! 💛 April & I really do talk about the channel and new products constantly. We are always like, “How did this happen?” 🤣🤣

Btw- I subscribed to your channel today! You are doing amazing! 💛

it's amazing!!! what a sisterhood to have

AAAA thank you!! just doing my best ♥ :')@@2SisterBees

I don’t budget for challenges, if I have cash left in an envelope in the end of a pay period I might roll It over and I might put it in a small savings challenge. Right now I’m saving for Easter for our family with my extra money. As for your other question, create budget categories and include a miscellaneous category. Sometimes the small transactions fall in there. But the more you budget and get into close relationship with your money you will have less and less small weird misc purchases, every transaction will have a home 💗

I think that most cash stuffers don’t withdraw their entire paycheck amount, but leave some in the bank as a buffer. I’ve also seen cash ‘unstuffing’ videos where if the expense was $27, they will take $30 out of the envelope to deposit in the bank and that extra $3 becomes part of the buffer. I also think some people actually pay for things with a credit card so spending the money doesn’t deplete their checking account and there is time between making the purchase and paying on the credit card.

You budget a buffer emergency and savings account to START saving for a buffer

I'm new too and trying to figure it all out. I've decided to keep all the money my fixed expenses in my acct and withdraw cash for my variables like gas and groceries. This is my first month trying so I've decided to set up my 100 envelope challenge kit but only contribute to it with any cash thats leftover from other envelopes at the end of the month. No time limit for me for the challenge. Anyway, here we go, friend!! 😊

I use my debit card and sometimes. I do and the cash. Not the binder, just the cash from that one envelope. Like when I went to get my lashes done yesterday- I took her cash when I went to the appointment.

Don’t forget that it takes 3 months to get your budget dialed in. The adjusting and changes you make are a natural part of the process. I am so proud of you for doing the work! 🙌💛

Awesome! I’m glad this helped ! 💛

Thank you so much! I hope it helps some of those who have a hard time understanding. 💛

Hi there! Yes, I do a budget every pay period and I have an exact amount set aside just for savings challenges. Of course, that money can just go into a savings account but savings challenges have been much more motivating for me to stick with it. So, say I have $200 set aside- I just keep playing until it’s gone. I have recently limited myself to a few games to complete faster so I don’t have so much spread out over too many games. I still need to get myself organized on some things and you guys will see me do that as I do each video. Saving is a process! 😅 Thank you for watching and I hope you love being in The Hive! Glad to have you! 💛

I have watched him before, he is a smart young man. He is farther ahead on his budget than most adults.

For sure - this is an upcoming video for you guys! 💛

Yes!! I was so excited! 😎

I just saw this question! Sorry for late response! We have a lot of free games you can start with here : drive.google.com/drive/mobile/folders/1VRf2dzNHV84v-oLIbufEnM3LlNcDpXcr My sis has the main Etsy shop here : creatoriq.cc/44h0Cp1 And I have some items in my shop here : www.etsy.com/shop/FollowYourCart Hope you find some stuff you like! Thanks for watching !! 💛💛💛

Thank you so much!!!😊

Hi there! My binders are A6 size. I have links to the binders I’ve used and the envelopes here : www.amazon.com/shop/2sisterbees If you search A6 binders on Etsy, you will find some cute ones, too. They personalize them for you and everything. I hope this helps! 💛

Stay tuned for tomorrow’s video! Answer for your question! 💛🐝

The Etsy shop that offered it is on a break- idk if she will be offering them again. 😭 www.etsy.com/shop/CraftyBudgeting

Yes, that's my question, too!

It rolls into next week’ budget. I am paying myself back for money spent on a debit card. 💛

Hi! I have Embrace. Great company! www.embracepetinsurance.com

I sure will! I just moved so things have been a bit crazy but I will be posting a new budgeting video this week and I’ll do another where I answer questions. I’m glad to have you! 💛

Yes- great question. Things are definitely changing for me in 2024 now that the debt is gone. We are now investing for retirement, have IRA accounts, 529 plan for granddaughter, money in HY and just spoke to financial advisor about money market, as well. Life insurance is about to get boosted, too. Money definitely needs to start working FOR you once the debt is gone and I am happy to say- that we are finally there. I want anyone who watches 2SB to get out of all debt so that they can begin investing in themselves. Great question and thank you for commenting - I will probably touch on this subject in my next video. 💛

Right!? I am even back and forth a little myself- I had quit completely and idk why but I’ve been smoking here and there- such a poor decision. Now I feel like I’m starting all over. 😭 I’m glad to hear your husband quit. That’s great news! 🙌

I quit after 20 years went to vaping quit vaping after 2 months and never looked back! 🖤. Best wishes to you both!

Very nice!! I’m happy to hear that you started saving! 🙌💛

Yes- it is SO expensive. Just crazy, really. I’m glad you quit, too! 💛

Hi! I’m glad you’re here! And ready to save! 🙌 Those are A6 binders -you can get them on Amazon. Also, you can go on Etsy and get personalized ones. Just type in search A6 binders. Hope to see you again! 🐝

Amazon has lots of budgeting stuff! That’s where I bought mine last month. 🙂

Everything is on Amazon. I have linked here our cash stuffing section - there are some A6 sized binders and envelopes here. www.amazon.com/shop/2sisterbees/list/32KUYPLZJ4INN

I ordered them in bulk from Alibaba.

Your first savings goal should always be a $1,000 emergency fund. If you want to do that and need a tracker- we have this free one here : drive.google.com/drive/mobile/folders/1VRf2dzNHV84v-oLIbufEnM3LlNcDpXcr

I would start with your budget setup so you know what you have (after every thing is paid )for savings. I have a budget video here : kzfaq.info/get/bejne/g52llqydnrOro2Q.htmlsi=ZpNCnUikYJgDsKha And my suggestion is to do a budget the day a paycheck hits. Whether it’s partners’s biweekly or your monthly. Give every dollar a job as soon as you receive it on your budget sheet. So you would do 3 a month. 1 for you and 2 for partner.

@@2SisterBees ah thank you 🙏🏽.

Hi Holly! 💛 I do a budget as soon as our paycheck hits ( since it’s different amount each week) and do a budget. The budget tells me how much I have left to save. Check out the video where I explain : kzfaq.info/get/bejne/g52llqydnrOro2Q.htmlsi=y4zTi3OPenxGYZ7f

She just put some more up! 🙌