How I Pay My Bills Using The Cash Envelope System (+ Other Questions!)

Рет қаралды 10,228

Күн бұрын

👩🏻‍💻 LET’S CONNECT:
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Bill Condensing: • Bill Condensing │ $1,180
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Phone Holder/Tripod:
www.amazon.com/dp/B07P7Z1FWL/...
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A6 Cash Envelopes: www.theaestheticdollar.com/pr...
Moterm Binder: www.amazon.com/dp/B0916YQ2RN/...
Brown Checkered Binder: www.etsy.com/listing/12558235...
Black Binder: www.beenrad.com/product/all-b...
Simplicity Dashboard: luxedesignsshop.com/products/...
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🖤 ABOUT ME:
I’m 21 years old and started my cash stuffing journey with my boyfriend during the summer of 2022. We both work full-time and are working towards paying off debt and increasing our savings while still having fun in our early twenties!

Пікірлер: 77

@jackiedesiraye Жыл бұрын

YES. Please make your simple planning videos. I prefer the minimal planning. I don’t use stickers. Everyone uses stickers in their planning. It’s hard to find simple functional minimal planners. ❤

@MzAbstractMind Жыл бұрын

I leave my bill money in the bank. I stuff the money I have leftover. I live and work w/in walking distance of my bank but, I’m not voluntarily going 😂🤣 Also, I watch regular pen and paper planning. There’s always something new/fun to learn ☺️

@ayaplans Жыл бұрын

Lol! Glad that works for you 😂☺️ and that’s a good perspective ❤️

@jborrego2406 11 ай бұрын

Have u try qube , digital system

@Frugalityislife Жыл бұрын

Hey 👋🏾 Girl, thanks for answering questions. It’s great to hear more about you and love that you are helping others ❤

@ayaplans Жыл бұрын

Hi! Thank you so much! 🥰

@angieineverettcust2934 Жыл бұрын

When I get paid I put leave in my checking account as much money as I need to pay my bills and then I take out the rest in cash and spread that through my cash envelopes and that’s what I use. I don’t use my debit card for anything unless I have to and then I’ll put the cash in otherwise it’s cash only for spending for me so I don’t have to worry about spending what’s in my checking account for coffee or groceries or anything. If I don’t have the money in that envelope I don’t spend it

@erin4815162342 Жыл бұрын

I leave automatically paid bills in my account. I use a check register app on my phone and write those bills out when I get paid. So I look at my check register app to see what's available in my checking account to spend, I don't look at my checking account balance. I find this easier than withdrawing bill money and then having to put it back

@ayaplans Жыл бұрын

Awesome idea!

@mizz.livinglife4448 Жыл бұрын

I do something similar. I pay all my bills on my credit card however each paycheck I sat aside the amount of bills that due into a separate savings account. At the end of each month once all my bills have been paid I transfer all my bill money back into my checking and pay my credit card back. I do also have a bills tracker so once each bill is due and paid I check it off just to know I’m not forgetting to pay bills meanwhile that actual bill money just hangs out in my separate savings account until the end of each month. Hope that makes sense without confusing you lol but I hate small trips back and forward to the bank.

@erin4815162342 Жыл бұрын

@@mizz.livinglife4448 I like this idea…can get any rewards offered by the CC company plus making the bill money unavailable to spend on other things

@ciaraantolin3918 Жыл бұрын

Great video! I love reading too! The addicted series is on my tbr for sure :)

@StrawberryMoney Жыл бұрын

Hey girl I was having the same issue with my tripod/ring light set up but I recently upgraded to the type that clips to your desk and I love it! So much easier!

@ayaplans Жыл бұрын

I like those but don’t have a big enough desk to clip it to. And we just moved out in Dec and still don’t have a dining table 😂😭

@Supppppp7 Жыл бұрын

Yes we need planner videos!!

@ayaplans Жыл бұрын

Okay 😉

@JANAA56357 Жыл бұрын

BIG YEEEEEES! to the plan with me videos🥰 I don't care if its just pen and paper I love your style and aesthetic 😍🥰❤

@ayaplans Жыл бұрын

Okay! Thank you 🥰

@EvelyneMariee Жыл бұрын

such perfect timing for me! I've been going back and forth with the best way to pay my bills without stressing me out! I was also looking into multiple bank accounts in addition to better organize myself! Great video!

@ayaplans Жыл бұрын

Thank you! Glad it was helpful 🥰

@Brisbudgeting Жыл бұрын

Loved this video!😊 I’m trying to slowly get ahead on bills so for now, I leave my bill money in the bank & then stuff small amounts in my bill binder. Once I’m a month ahead I’ll start stuffing the full amounts!!

@ayaplans Жыл бұрын

Love that!

@EmpoweredBudgets Жыл бұрын

This was a great video! You go girl!

@ayaplans Жыл бұрын

Thanks! 🥰

@emmagrace7071 Жыл бұрын

Love any of your videos so calming xx

@ayaplans Жыл бұрын

Thank you! 🥰

@santagonzalez1222 4 ай бұрын

I was so looking for a video, and saw this one was a few months old and let me tell you I’m so glad I decided to watch it. Love loved it. Thank you it’s so helpful. Blessings

@ayaplans 4 ай бұрын

Aw thank you! So glad you thought it was helpful 🥰

@jennyfromtheblock9484 Жыл бұрын

i think you have a great system going my planner is in black and white also keep it coming i can't do all the high tec ipad-apps (i'm old fanshioned) that is so cute you do the cash stuffing for him keep up the good work i love the cash stuffing community

@ayaplans Жыл бұрын

Thanks so much 🥰

@BudgetsWithELMA Жыл бұрын

Happy Thursday! I really enjoyed your video 👑

@ayaplans Жыл бұрын

Thanks 🥰

@gracefilledfinances Жыл бұрын

Beautiful... Thanks for sharing 💕

@melissasandoval9961 Жыл бұрын

Another great video! 😀

@ayaplans Жыл бұрын

Thanks! ❤️

@Sarcasticplanner Жыл бұрын

I’m just starting cash stuffing. So until I can get ahead of my bills by a paycheck or a month I take what bills are do during that pay week but before next pay I deduct that amount from my check then I pull the rest for cash stuffing. Right now it works but I’m still figuring these things out

@Designedmindfullyco Жыл бұрын

Thank you for answering! I'm going to look into the tripods you shared! Let us know if you decide on one and how it goes for you!

@ayaplans Жыл бұрын

I definitely will!

@jamiesuedriscoll Жыл бұрын

I love this video!! Regarding your PWM videos I would love to see your planner inserts and things Cloth & Paper related to goals, budgeting, and ways you use your planner. I just subscribed to C&P myself and I am trying to be more intentional with my time. I personally love your videos and would love anything new that you share. Thx

@ayaplans Жыл бұрын

Thank you! 🥰

@She_has_got_it 10 ай бұрын

Lovely video ❤

@ayaplans 10 ай бұрын

Thank you 🥰

@HeatherRegansoultherapist Жыл бұрын

I’m interested in paper and pen and honestly I am kindof over washi and stickers and all of the extras. It actually (for me!) takes away from the planner and (for me) it became another to do and expense. I’m loving the simplicity!

@ayaplans Жыл бұрын

Love to hear that 🥰

@KrnCrftn Жыл бұрын

Girl, I think you may enjoy ‘hello from the Gillespies’ by Monica McInerny - it’s based on a family that send a mass email every year on how their previous year has been, then something happens and then it shows the POV of each family member involved and how the incident effected them.

@ayaplans Жыл бұрын

I will definitely be looking into that! Thanks for the rec 🥰

@emilyavery5970 7 ай бұрын

I do a combination of both. I keep bill money in the bank and use the cash envelope system for discretionary spending. I find that when I track my spending money and I see it in person, I'm less likely to make dumb impulse purchases.

@ayaplans 7 ай бұрын

Love that!

@melissasandoval9961 Жыл бұрын

What’s the planner than you have? That would definitely be very useful Vs using my phone

@ayaplans Жыл бұрын

My inserts are from cloth and paper

@Sarcasticplanner Жыл бұрын

How do you budget ahead of time when certain bills are not due on the same day every month. Example my gas and electric due dates always change. My water bill is bimonthly

@ayaplans Жыл бұрын

Although your gas and electric always change, are they around normally the same date though? You should be getting notified ahead of time for when those bills will be due for the upcoming month

@HeatherRegansoultherapist Жыл бұрын

I was also wondering about the addicted series. I read so much and didn’t know if it would be too young for me. I’m a 40 (something 😂) mom. Think I would still like? I’m reading a mystery series right now. Have you read any Freida McFadyen or the Mindf*k series? So good!!!!

@ayaplans Жыл бұрын

I recommend the Addicted series to anyone ☺️ and no I haven’t!

@HeatherRegansoultherapist Жыл бұрын

@@ayaplans I am going to get it next!

@bonfirebeautybudgets Жыл бұрын

Where did you get all your binders? Envelopes from the aesthetic dollar?

@ayaplans Жыл бұрын

The binders I have are all linked in the description of my cash stuffing videos ☺️ and yes all envelopes are The Aesthetic Dollar

@bonfirebeautybudgets Жыл бұрын

@@ayaplans love her envelopes.

@corinajohnson9043 11 ай бұрын

So you take out the necessary money out for Rent (as an example that is due next month) and then you put it back in your bank card before it’s due? Is that right?

@ayaplans 11 ай бұрын

Yes. Here’s an example. On August 4th (payday) we stuffed a total of $590 into our rent envelope. On August 18th (our next payday) we will stuff $590 into rent. That equals $1,180 for rent. I will deposit that into the bank before the 1st of September and pay my rent online

@corinajohnson9043 11 ай бұрын

Oh okay! Thank you for this explanation. I just figured that out after watching that part again on your video here. I love your cash stuffing videos!

@ayaplans 11 ай бұрын

@@corinajohnson9043 of course. Thank you!!

@HeatherRegansoultherapist Жыл бұрын

One more question 😂 what size is your planner? Half letter or A5?

@ayaplans Жыл бұрын

Half letter!

@tracygreen3118 Жыл бұрын

Planning videos yes please

@ayaplans Жыл бұрын

Alrighty!! ❤️

@corinajohnson9043 11 ай бұрын

So you put money back into your bank card to pay off your rent?

@ayaplans 11 ай бұрын

Yes. I do a bill condensing with the money from my rent envelope then deposit it back into my checking account to pay my rent

@ybell5369 2 ай бұрын

❤

@kimteng_ Жыл бұрын

💜💜💜

@calmandcharming1599 Жыл бұрын

👋🏽💚👍🏽

@jborrego2406 11 ай бұрын

Lol good job have your boyfriend go first I assume he pay most of it then you say we budget his paycheck then I budget my paycheck lol

@ayaplans 11 ай бұрын

Yes! He makes more so I kind of rely on his paycheck first. I help with bills but it just always made sense to budget his first for some reason lol

@bossupbudgets Жыл бұрын

I love your teller slip! 🩷 love the explanation!

@My2CrazyKiddos Жыл бұрын

🤍🤍🤍

@TheBudgetRN Жыл бұрын

This is so helpful and organized 🤍

@ayaplans Жыл бұрын

Thank you so much!! I was worried I was talking all over the place and didn’t want it to be confusing 😂❤️