HOW TO BECOME A MONTH AHEAD ON BILLS |

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HOW TO BECOME A MONTH AHEAD ON BILLS |

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Күн бұрын

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Пікірлер: 171

@LilRedBudgets Жыл бұрын

Unfortunately I have debt and only have $100 saved in my emergency fund but I’ve already started stuffing for 1 month ahead and I’ve been able to save $100 so far. I believe I’m gonna continue doing so, I know it’s gonna take us awhile and that’s okay, I’m glad I started… but yes if my emergency fund was funded more with at least 1K and I didn’t have debt then I’d be able to stuff more & quicker into my 1 month ahead. Great explanation. ❤

@judithprice215 Жыл бұрын

you could still maybe put $5 a pay in a month ahead category if you feel like you really want to do something.

@LilRedBudgets Жыл бұрын

@@judithprice215 yeah I’m putting what we can to save up. I’m aiming to be a month ahead by December 2023 before 2024 arrives.

@littlelettr420 Жыл бұрын

You got this. Every penny counts hun. Can do it little by little and you will get there.

@donnaa2180 Жыл бұрын

I am also saving for one month ahead with each paycheck. I use the money that I would spending eating out for lunch but now I take my lunch from home and put some of the savings toward more additional lunch groceries and what I have left goes to my month ahead binder.

@gettinghealthywithtsherrel9710 Жыл бұрын

I am going to start my month ahead once I pay off my credit card.

@edeyonthemove Жыл бұрын

I do have debt but I have $5k in emergency and I’m 30 days ahead (working on 60). Why? I have $110k in student loans 😫 and realistically it will take me several years to pay off. 😢 Emergency happen every day -kids break bones, car wrecks, death, Etc. I didn’t want to wait to pay off the $110k to plan for real life. It was a personal decision. ❤

@DaisyBudgets Жыл бұрын

Sounds like you’re doing pretty well. Now imagine what you could have without the debt. I agree that it’s a personal decision and there is not a one size fits all in budgeting. I personally also felt more secure having more than 1k in my EF before tackling debt. But I always made sure to work toward being debt free as quickly as possible. Now that I am I can save more and it’s honestly freeing know I don’t owe anyone anything.

@stephaniesawney495 Жыл бұрын

Gotcha back to the drawing board. Starting all over again but by the grace of god I will get back on track. Going to tackle the debt first while building my emergency fund all over. Thanks for this really appreciate this and all that you do.

@DaisyBudgets Жыл бұрын

You got this! 💪🏼💰😘

@Lifewithmrsvee Жыл бұрын

I love that you mentioned paying off debt before getting one month ahead.

@angelaplans Жыл бұрын

Thank you for this, I started hard core budgeting a few years back and fell off, and I plan to go strong for 2023, seeing so many of these videos is hard but i also realize everyone is in a different situation. Like I can't wait to have all the sinking funds and savings but I know I'm not ready for all that yet. Its hard but I keep watching because its inspiring.

@bethanyhall1524 3 ай бұрын

Thank you for the tip to have an emergency fund first. That's smart. I had started both at the same time but I'm switching my money from the month ahead envelope to emergency and then it will help that one fill up faster.🌷

@marthamarlin3688 Жыл бұрын

Still new to cash stuffing. This is an excellent idea and easily explained. Thank you for breaking it down like this and keeping it simple. I need to compile all my bills and get my total. Love of all of videos and your setups. Thank you again ❤️

@DaisyBudgets Жыл бұрын

Glad it was helpful!

@rachelb.1660 Жыл бұрын

You're right, I do have some debt that I'm tackling, and I am finding it difficult to put money towards the future bills while paying off debt🤦🏾‍♀️thank you for all of your help🥰I will be starting the 100 envelope challenge on January and I'm super excited!

@DaisyBudgets Жыл бұрын

Tackle that debt sis 😘💕

@DakotaLenn0x Жыл бұрын

I disagree with being debt free before saving for bills a month ahead. You never know what can happen job/health wise and I'd rather be able to pay the next months bills instead of paying for a credit card/student loan.

@DaisyBudgets Жыл бұрын

To each their own. Studies have shown that the quickest way to building wealth is becoming debt free. However if it makes someone feel more secure being a month ahead before tackling debt then that decision is up to them. However, it will take them longer to reach their goal while making debt payments along the way.

@floppybob1121 Жыл бұрын

Anything left over in my weekly envelopes, like food, gas, eating out, misc, goes into an envelope for one month ahead. So I play games and challenges to try to save as much money on groceries, gas etc.... If I have 20 left in eating out and usually stuff 20 a week in eating out, i will still pull out the 20, and restuff with a new 20 and put the 20 i took out into my month ahead envelope.

@DaisyBudgets Жыл бұрын

That’s awesome. If it works for you, I say keep doing what you doing. Challenges are a great way to stay motivated. 😘

@lisahaffner3337 Жыл бұрын

New subscriber. It’s been a work in progress for me to get a month ahead. Did my smallest bills first. Now I’m working on the larger bills

@lisasavarno2636 Жыл бұрын

Well said, Daisy! This is so important to be one month ahead. Have an amazing rest of your week♥️🎄

@DaisyBudgets Жыл бұрын

Thank you! You too! 🥰

@valenciaarnold6065 Жыл бұрын

Love how you added this video in the description. So easy to find! Thank you.

@DaisyBudgets Жыл бұрын

Glad it was helpful! 💕

@konaduakyeampong3144 Жыл бұрын

Your explanation is soo practical and simple to understand. I have watched lots of videos and I was getting more and more confused. Your video offers a more simplified approach to doing a month ahead on bills.

@DaisyBudgets Жыл бұрын

Glad it was helpful! 🥰

@kyliekia8917 Жыл бұрын

Took me a few months to do month ahead this was cutting back on a lot of things .time I went to see if there was enough for one month I ended up with 3 months ahead 😂was worth doing cutting back on other things

@DaisyBudgets Жыл бұрын

Love that. The process can sometimes be draining, but once you achieve your goals, there is no better feeling. Definitely worth every sacrifice.

@aussiebudgets Жыл бұрын

New subscriber. I don’t have debt. And we finished paying off our mortgage last year. I have saved $1000 for emergency. We are one month ahead for 2 of our utilities. Gas and electric. Thank you. 😊

@DaisyBudgets Жыл бұрын

You’re doing amazing. Keep up the great work. 💪🏼💰💕

@shannonland-wm9gt Жыл бұрын

I decided to get the emerging fund first and one month ahead before paying debt cuz I would have been left in a rat whole and I think I feel at peace now to pay debt

@DaisyBudgets Жыл бұрын

Everyone’s journey is different. Do what works for you 😉

@cashnstuff Жыл бұрын

Thank you so much for making this video 🙏 Now I will focus on my emergency fund and debt and then try to get a month ahead on bills 🤗💕

@cheyennemacklin5926 3 ай бұрын

I think you can still do that even if you are in debt because debt is always going to be there

@DaisyBudgets 3 ай бұрын

Debt will always be there if you don’t focus your energy and funds on getting rid of it. The quicker you are debt-free the closer you are to wealth building. Debt is no longer there for me bc I focused my energy into getting rid of it as quickly as possible. You can do both simultaneously, but it will take you a lot longer. I enjoy knowing that all my money is mine and I don’t have to constantly pay out to someone else. But you do you.

@j0ann Жыл бұрын

Saved this in my "Watch Later" to be able to revisit once I have paid off my debt and have saved $1k in the emergency envelope. Wish my luck on my marathon 🙏 I am only just starting cash stuffing, but I'm considering sharing my journey on here to kind of hold me accountable but I'm so nervous.

@DaisyBudgets Жыл бұрын

Everybody’s a little bit nervous when they start. Just keep going. If it’s something that you feel strongly about I say, go for it.

@j0ann Жыл бұрын

@@DaisyBudgets thank you for the encouragement!

@gaguayo2178 Жыл бұрын

Love it You kept it short, easy and simple 💙

@DaisyBudgets Жыл бұрын

Thank you! 😊

@EE-in7su Жыл бұрын

This was so amazingly helpful, I wish I could hit 'like' twice! Thank you for all of this! Can you do a video about how you prepare/where you pull from when/if you do a bill exchange?

@DaisyBudgets Жыл бұрын

I rarely ever do bill exchange on Camera. The only time I do is When one of my envelopes hits 500 I exchange it for a placeholder.

@sonianunez1067 3 ай бұрын

Love the tips for month ahead ❤️

@lindadobranetski6302 Жыл бұрын

I have debt and so far I have around $400 saved in an ef. I have to say I so love your nails.

@heromikuriya5934 Жыл бұрын

Annnnnd back to the drawing board I go 😂 this was really helpful, thank you so much!

@crystalbenneyy9723 Жыл бұрын

thank you for sharing very informative working on Emergency fund half way there have to work on debt

@LauraLanny 8 ай бұрын

Because I still have debt, I'm slowly adding to a moth ahead sinking fund. My priority is having one month ahead of utilities and then slowly start growing from there.

@Queenofhearts78 Жыл бұрын

Thank you for being so thorough with explaining how it works.🌲

@rickismith1259 9 ай бұрын

Simple enough explanation👏🏾👍

@AmandasBudgets Жыл бұрын

I am working on getting a month ahead next. I have my 1k emergency fund 🎉

@DaisyBudgets Жыл бұрын

Get it girl 💪🏼💰

@deairrbroomes1621 Жыл бұрын

I’m going back to the drawing board.. I’m go start saving my emergency funds 1st. Then doing my debt. Thank you

@DaisyBudgets Жыл бұрын

Go for it! 💪🏼💰

@MysticBudgets Жыл бұрын

Great explanation sis I think this is sooo important!!

@DaisyBudgets Жыл бұрын

Thanks babe 😘

@tanzbudgets Жыл бұрын

You’ve put my mind at ease with this explanation thanks heaps definitely need to start on Emergency fund first ❤

@DaisyBudgets Жыл бұрын

Glad it was helpful!

@kaystayonbudget4651 Жыл бұрын

Informative video thanks for sharing sis… currently working on my EFunds then God willing work on my month ahead next year ❤❤ have a great today and I’ll see you in the next one❤

@fatimahbashir2474 Жыл бұрын

Thank you for this. Very clear and simple.

@GloriaGarcia-vs1ht 2 ай бұрын

Thats Soooo Awesome, Thank Youuu for the Tips , 🌝

@vanessaruiz6635 Жыл бұрын

Great stuffing. You are so creative ☕️

@DaisyBudgets Жыл бұрын

Thanks so much 😊

@reetae Жыл бұрын

New subscriber! I've been looking for a new youtube budgeter for and finally found one I could relate with. I've been binge watching all morning. I just finished the video of you unstuffing your bill binder, and your talk at the end was very relatable and it made me a bit emotional too lol! I'm saving up for a down payment for a house hopefully this upcoming summer and your channel is all the motivation I need to keep going. ❤️

@DaisyBudgets Жыл бұрын

That’s so sweet. Thank you so much. I appreciate the encouragement and support. I am also saving up for a down payment. However, I won’t be looking to purchase for two years. I really like the school district where I live and my neighborhood so I’m in no rush. Also hoping that the housing market prices will drop. 😉

@reetae Жыл бұрын

@DaisyBudgets Knowing my luck, everything will drop once I get a home, and I will be making the longest eye roll of my life lol. Can always refinance later I guess 😌

@AmethystBudgets Жыл бұрын

Thank youuu! I needed this reminder

@budgetblvd Жыл бұрын

Loved the explanation Thanks Daisy!

@joanthomsen 9 ай бұрын

Thank you for this information

@poderosafinances Жыл бұрын

thank you Daisy for breaking this very easily.

@GinaRenaeRNBudgets Жыл бұрын

Hey Daisy!! Thank you for this!

@AnotherBudgetChannel Жыл бұрын

I like your nails. I’m working on my 6 month of bills binder and emergency fund. Saving is very hard for me and I’m in debt.

@DaisyBudgets Жыл бұрын

Tackle that debt sis. It’s amazing all you can accomplish when you don’t have the burden of being in debt. 😘

@AnotherBudgetChannel Жыл бұрын

@@DaisyBudgets ❤️❤️

@Vero.does.better Жыл бұрын

Great video. Liked and subscribed.

@DaisyBudgets Жыл бұрын

Thanks for the sub! 🥰

@marjen94 Жыл бұрын

These are so helpful!! 🙌❄️🎄

@bossupbudgets Жыл бұрын

love the tips!! great video

@bria2011able Жыл бұрын

That my new years plan to start saving 1k and to start tackling old bills that I owe:-)

@SherryBudgets Жыл бұрын

Loved this, thank you!!

@melissakulchock8913 Жыл бұрын

that is so helpful! thank you so much

@emtdispatcheronabudget Жыл бұрын

Great advice. Thank you ☺️

@Birdmom1823 Жыл бұрын

Thank you for this video, great video 💜

@michellesbudgets5656 Жыл бұрын

💯💜 thank you so much for explaining so much in this video it help me understand a lot that i need and I appreciate it 💕love your videos keep up the great work

@DaisyBudgets Жыл бұрын

Glad it was helpful! 😘

@Caiden_phx164 Жыл бұрын

Loved loved these 💅🏾 nails.

@DaisyBudgets Жыл бұрын

Thank you! 🤗

@ACCOMPLISHEDSHEIS Жыл бұрын

Simply add one month a living expenses for month ahead.

@shawnadavis6077 Жыл бұрын

Thank u Daisy for being a blessing!!! I'm going to get on this asap....where did you get your calculator from I love it!

@DaisyBudgets Жыл бұрын

Thank you, hon. It’s linked in the description.😉

@lunablu1128 Жыл бұрын

Thank you for this video!

@ErisstheGoddessofmanhwas Жыл бұрын

New video cool .Time to lern new things.

@meancarleen Жыл бұрын

Great vid!🤩

@louchiana4139 Жыл бұрын

Thanks for this video.. I got so many lessons and tips from it 😊

@DaisyBudgets Жыл бұрын

Glad it was helpful! 💕

@tessadejonge9431 Жыл бұрын

Hi Daisy, thank you for this video. I also hope you have received my Christmas card 😊

@DaisyBudgets Жыл бұрын

I’ll keep a lookout and send u one back as soon as I get it 😘

@cindychapman9210 Жыл бұрын

Thank so much for the tip

@gabrielledominick4052 7 ай бұрын

So I have debt but I was thinking to budget I would need to be a month ahead so I can divide my bills up to make it easier I get paid 2x a month and my husband weekly. It’s so confusing on how to 0 base budget

@DaisyBudgets 7 ай бұрын

A zero based budget just means u give every dollar a job to do Income minus bills minus weekly expenses minus sinking funds / debt payments should equal 0

@judithprice215 Жыл бұрын

Great video! Thank you for all you are doing~!

@DaisyBudgets Жыл бұрын

Thanks for watching! 🥰

@submittotheplan Жыл бұрын

Great video!

@DaisyBudgets Жыл бұрын

Thank you 🥰

@MariaCastillo-xn4uu Жыл бұрын

Thank you so much 🥰

@vanessawatson738 Жыл бұрын

Good good, beautiful 🌲❄💚

@SisuBudgets Жыл бұрын

I love your videos! I really appreciate your energy!! I adore your watercolor binder and envelopes labels!!! Do you have the shop link or refferal link??

@DaisyBudgets Жыл бұрын

My shop is basically just my Instagram account. If you go to my bio, I have a highlight titled Insta shop. There you will be able to see everything I have available for purchase. Just leave a comment under the photo of the item you’re interested in and it will show up in my DM‘s. The link to my Instagram is always in the description.

@sherrypruitt626 Жыл бұрын

Thank you!

@jmatos7872 Жыл бұрын

AWESOME VIDEO. THOROUGH AND STRAIGHT TO THE POINT.

@keatlynsanders3559 2 ай бұрын

Hey I understand how you split the bills. But how do you work out what amount goes in the sinking funds in the end, thank you love you vids x

@DaisyBudgets 2 ай бұрын

There are 2 ways you can go about it. You can decide on a goal amount and decide on a date you would like to reach that amount. You can divide the goal amount by the number of paydays you have till you reach you goal date and that is how much you should be stuffing. But honestly I keep my budget as simplified as possible and I just do what I can when I can. Hope that helps 😘

@keatlynsanders3559 2 ай бұрын

Thank you helps alot x

@shantiniqueyancey1986 Жыл бұрын

Great video thanks

@user-po2ql5tb6w 10 ай бұрын

Having to use sinking funds to pay MD apmt 😅starting all over

@DaisyBudgets 10 ай бұрын

I feel your pain. Life happens. Just keep pushing forward. There’s nothing wrong with having to start all over again. 😘

@Motogirlbudgets Жыл бұрын

I thought I wasn't able to save at first with so much debt. But after I wrote EVERYTHING down and realized how much I spend in certain areas and cut back- for example: I was drinking starbucks more then 5 times a week. Though I didn't eat out, I had starbucks daily. So it was pretty much the same thing. I cut that down to $10 a week and began putting that money i use to spend, elsewhere. I plan to be debt free on credit/loans by early or mid 2024! Yay to cash stuffing and budgeting! I was even able to start an emergency fund and future mortgage fund 😁

@DaisyBudgets Жыл бұрын

That’s awesome. Wishing you tons of success on your goals. Get it girl 💪🏼💰😘

@loissnowden9093 Жыл бұрын

I got it!!

@dineshamcfee243 Жыл бұрын

Thanks learn a lot

@DaisyBudgets Жыл бұрын

Glad to hear that😘

@susanaragon7624 Жыл бұрын

So like you said I get paid 2 times a month so do. I have water light gas and cell phone and insurance do I just add those up and divide the total by 2 and that is how much I put away. So my question is once I put that away and next month comes how do I save for the follwing month

@DaisyBudgets Жыл бұрын

It’s the same method. Once you are a month ahead divide your bill by the number of times you get paid every month and stuff that amount. The end of each month make your deposit to maintain being a month ahead.

@allthingsalecia Жыл бұрын

Great video. Do you have a separate bank account for your bills so that the amount stays there for the next month?

@DaisyBudgets Жыл бұрын

Yes I do! 😉

@TheBudgetGirl Жыл бұрын

Totally agree hopefully I will start year after but my question is do u count your auto bills for example once my net salary reaches my bank taxes have been taken debt has been paid in seconds 🤣🤣🤣 so can my month Ahead be like utilities.. subscriptions … school ….etc ?

@traceycolvin0504 Жыл бұрын

Yes. It can be anything you want. I'm working on my car payment and auto insurance.

@DaisyBudgets Жыл бұрын

Your month ahead envelope should include all of your monthly fixed, reoccurring bills. However, budgeting is not a one size fits all. Some people like to include groceries and other living expenses. You can definitely customize it to best suit your needs.

@geovanellytorres5408 Жыл бұрын

Is it okay to consider credit card payments under bills rather than debt? What do you suggest for not using credit cards as much, but also wanting to build a credit report. TIA :)

@DaisyBudgets Жыл бұрын

Credit cards are debt. Personally, I’ve paid off all of my credit card debt and my credit score skyrocketed. I have over an 800 score. I will use them occasionally, but pay them off right away. It hasn’t affected my score. 😘

@dulcerojas2730 Жыл бұрын

So how do you budget for food and gas??

@DaisyBudgets Жыл бұрын

Check out any of my budget with me videos to see how I budget for that 😉

@dulcerojas2730 Жыл бұрын

Ok I will I always see your videos but haven’t paid attention to that part until now lol

@whatthe1215 5 ай бұрын

Can your emergency fund be a credit card

@DaisyBudgets 5 ай бұрын

No because the minute an emergency comes up then you’re automatically in debt. Whereas if you have a cash emergency fund and an emergency comes up, you will still be debt-free.

@mamatbudgets Жыл бұрын

Before I actually started budgeting and tracking my finances, we were a month ahead on both vehicles (and still are). We took out a personal loan to consolidate debt and we are a month ahead on that as well! However we have new debt to tackle and then I want to work on being a month ahead. You may have already answered but do you use a separate account strictly for bills?

@claudiavc86 Жыл бұрын

Thank You. That was very helpful!💖

@DaisyBudgets Жыл бұрын

I do. I have a checking for bills. Reserve checking for my business and high yield savings for all other long term savings. Every time I reach an additional 500 in any category it goes into my high yield as well.

@tiffanytyler7128 Жыл бұрын

@@DaisyBudgets What high yield account do you use?

@DaisyBudgets Жыл бұрын

@@tiffanytyler7128 I bank with PNC but I’m sure most if not all banks offer this.

@aliciamcgilloway3707 Жыл бұрын

I'm currently carrying a debt on my credit card and I only have 680 in EF. I want to do a month ahead and I could pay my debt and be a month ahead with my challenge boxes but I want to use the money to pay down my car debt, I owe 8700 and will have 3500 so now I don't know what to do. My car note is 151 a month. But my credit card I'm putting 100 into it or more monthly and I still use my credit card buying some items. But I want to pay off my debt and be a month ahead. So what would you do? If I use the money to pay down my car pay I still have to pay 100 plus towards my credit card and either way I'll still have 151 car note. I would just be closer to paying off sooner. Thanks for this video as it's very helpful. I don't know that I'll be able to complete 2 challenge boxes next year and I'm still a couple envelopes short in my one box so it will carry into next month that will take away from next years new boxes. I'm on a fixed income and get paid monthly so it's not easy saving anything. Inwish I could have a side hustle that I didn't have to pay taxes on because I'm on disability. Thanks in advance if your able to help me out as what I should do. Thank you 😊 🎄☃️🎁🎀

@DaisyBudgets Жыл бұрын

I am not a financial expert but in that case i would make sure I have 1k EF. I would stop charging things on my card immediately. Anything you might require to live on should have a place in your cash envelopes therefore no need to charge. Whatever you have remaining in terms of savings Challenges I would immediately put toward debt. The quicker u get out of debt the more money you will have available.

@aliciamcgilloway3707 Жыл бұрын

@@DaisyBudgets thank you for replying. I agree with you. As much as I wanna pay down my car note I think paying off my credit card and being a month ahead and having 1k EF makes most sense. I owe about 1500 in credit card debt so that will get paid off and I'll have 1k EF and some money towards my month ahead. I don't do envelopes because my money comes out automatically for my bills and I don't reallybhave enough left over to stuff so I just do 2 challenge boxes. And I'll use next year's money to go towards my car note and I can always put extra money each month on principle since I'll be paying off my credit card again. I've paid it off like 4 times and I keep end up using it for one reason or another. My Christmas shopping is done so I won't be using my credit card anymore. Thank you for your advise. I know your not an expert but I trust your advise. Your doing so well. I love your channel. ❤️❤️🎄☃️🎁🎀❄️

@MackHillard Жыл бұрын

How do you become a month ahead when your on a fixed monthly income?

@DaisyBudgets Жыл бұрын

The same steps would apply. Just create a month ahead envelope every month after all your bills and expenses are paid, whatever you can afford to spare stuff into an envelope until it has reached the goal amount. It will definitely take longer if you were on a fixed income however, it is definitely possible.

@MackHillard Жыл бұрын

@@DaisyBudgets that's the only downside. Time. It will take time, effort, consistency and a whole lot of patience but will it be worth it, I think so. Thanks Daisy!