How To Start A Digital CASH ENVELOPE SYSTEM
Рет қаралды 29,932
3 жыл бұрынAre you interested in learning how to start a digital cash envelope system? In this video I share my cash envelope categories and how I use the cash envelope budget to breakdown my budget. These budget tips will teach you how to budget and use a budget planner.
Now I budget by paycheck because it allows me to create a budget plan for my cash envelope system. I use tools like the bill tracker, this tool is great for budgeting as beginners too. A cash envelope budget, whether physical or digital, makes a big difference in organizing your cash budget.
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• How To Start A Digital...
@NaturallyLizzie 3 жыл бұрын
What are your thoughts on digital cash envelopes?!!
@lilimarie326 3 жыл бұрын
Where is the digital app from?
@NaturallyLizzie 3 жыл бұрын
@@lilimarie326 the app is simple budget.
@mizzmeliinspires 3 жыл бұрын
I love using both! The apps you suggest seem so helpful!! (I have yet to use it just yet hehhehe) I find when I try to do digital envelopes, i over spend still since I don't track it immediately...I should probably use the apps to get better at it!
@lee-13 3 жыл бұрын
love it but I also wish most banks offer it on their mobile site!
@Elizabeth-uj8vn 2 жыл бұрын
I’m gonna try this! Looks pretty streamlined. Easy for me not to screw it all up lol. I wanted to do something like this (digital and cash envelope) but didn’t know how to break it down! Thank you for being transparent and detailed. You would make a great teacher!❤️
@YouHaveAGoodPoint 2 жыл бұрын
This is exactly what I was looking for. I’m not comfortable with cash laying around.
@dw9054 5 ай бұрын
Yes! I know someone who got robbed right after cashing her check she was followed. I like the cash method but just not sure about safety.
@loveandjoy810 2 жыл бұрын
As a non religious person tithing always shocks me. I think its because even if this were your usual monthly tithe you are donating $6,096 a year to your church or pastor. ( Thats a down payment on a house, or a perpetual car payment) Then, I see people putting less than 10% in their retirement. My philosophy is if you aren't putting a match of tithe into your retirement, you can't afford to tithe. I don't tithe but I do help people out when they need it. There's one budgeter that I see who tithes $300 a month to her church and then calls it a "blessing" when her subscribers send her gift cards to cover her groceries. She gets upset when I point out she had grocery money, she just gave it away. I also think that tithes just cover the pastors salary. Not trolling just thinking out loud.
@NaturallyLizzie 2 жыл бұрын
You are perfectly capable of having your views on this topic. In fact, I welcome discussions on this! So thank you! There is so much more than the “monetary“ aspect of tithing. It is so much for me to reply in one comment so i would have to make a separate post because there is more to it than just the dollar as I stated above. Stay tuned because I hope to give clarity on this. 🤗
@mamat1213 Жыл бұрын
I AM a religious person and I agree with you. I believe we have to apply wisdom in these situations, Jesus even taught against blindly following man made rules and made it clear God looks at the heart
@Mamabear1138 Жыл бұрын
We've tithed as a part of our faith. The blessings that come with tithing are worth more to us than a car payment or house downpayment.
@GreenTea4Me Жыл бұрын
If you think about it, A church cannot function without money. Pastors are hired, staff is paid, buildings have to be kept up, bills need to be paid, resources bought. Without tithing a church cannot run. I think the money grubbing "pastors" are not honest and that makes the whole system look bad.
@kjw79 Жыл бұрын
Hello loveandjoy, a tithe is meant to be a tithe which means 10%, so that it shows love of God over money, but still leaves 90% to care for the person and family. Over tithing is not required.
@hollyybeth 3 жыл бұрын
Love this! We’reworking out of town and don’t have access to cash without paying a fee, so I’m going to try stuff digitally!! Love the idea of the envelope tracker with receipts
@Heidi-xj6mx Жыл бұрын
Thank you for pointing out that app! It has been so difficult because the the popular budget apps are too complicated. This is exactly what I needed.
@NaturallyLizzie Жыл бұрын
Glad it was helpful!
@BudgetsWithELMA 11 ай бұрын
Great video!
@NaturallyLizzie 11 ай бұрын
Thanks!
@MsJennifer576 3 жыл бұрын
Oh how I miss using cash to pay for purchases. For me it makes expenses like gas, groceries, fun etc. more real to me.
@NaturallyLizzie 3 жыл бұрын
It does have its benefits. But we had to switch just based on our lifestyle.
@MsJennifer576 3 жыл бұрын
@@NaturallyLizzie For sure!
@lee-13 3 жыл бұрын
Love this!!! Is there a link to your template budget worksheet? Additionally, do you use this in good notes? I don’t have an iPad!
@NaturallyLizzie 3 жыл бұрын
Thank you!! The template is in my Etsy shop link. And yes I do use it in goodnotes.
@becomeanNPtheysaid Жыл бұрын
I have a Samsung tablet and I use Noteshelf. It is VERY comparable to Goodnotes. There's really nothing (that I know of) that one can do that the other doesn't. I love it!
@MrsLiegey 2 жыл бұрын
Do you have any suggestions on groceries when paid monthly? Ugh…I dislike hubby getting paid monthly…it makes like so crazy to stretch to the end. Lol!!!
@NaturallyLizzie 2 жыл бұрын
I would only focus on a weekly budget. So pull only what you’ll need for a weeks worth of food. Then again the following week. Hopefully that’ll help stretch your budget out.
@MrsLiegey 2 жыл бұрын
@@NaturallyLizzie Oh thank you! Didn’t think of weekly. We struggle with food and gas…seem to be the ones we cannot budget correctly. Lol!!!
@emilyplante5427 2 жыл бұрын
how would i do this digitally? no cash. would i get my direct deposit from work, then break it down on the ipad like you did. how do i manage it from them? do i just pay them online as usual, then just take my extra cash and leave it in my bank account? and what would that be for? i guess i’m just confused
@NaturallyLizzie 2 жыл бұрын
You break down your budget however you see fit. For this to be digital you will just use a debit card for your purchases instead of cash. But you’d just have to be very focused on your tracking so you will know what your spending is and not go over budget. Using an app like the simple budget envelope you can divide up your money and track it easily. Let me know if you have any more questions. Hope this helps!
@heathernichols6902 2 жыл бұрын
Where did you get your stylus?
@NaturallyLizzie 2 жыл бұрын
Target 🤗
@joyfulbudgetingco 3 жыл бұрын
I’m trying digital now. I miss the cash but theft taught me a very expensive lesson. How can I keep my money safe while not actively using the funds. Any suggestions will help as the violator was one of my teens. 😭
@NaturallyLizzie 3 жыл бұрын
Oh no that’s terrible. I would encourage you to watch Jordan Pages video about the 7 bank accounts. That may help.
@shannonland1137 3 жыл бұрын
Umm most times ppl are getting option to disable they card
@joyfulbudgetingco 3 жыл бұрын
@@shannonland1137 , oh, I was speaking of my cash. My money in the bank is safe.
@carolyn8103 3 жыл бұрын
@@joyfulbudgetingco have you tried a small locked security box hidden in a drawer/closet?
@joyfulbudgetingco 3 жыл бұрын
@@carolyn8103 , it wasn’t in a drawer or closet it was under my bed. It’s a safe with a keypad and key. The teen took the key and stole the money. I’m looking for something different that’s easier to hide.
@himbaek8533 2 жыл бұрын
I'm confused about the percents. What's the point of the 15% Goal if everything comes from the 70%?
@NaturallyLizzie 2 жыл бұрын
The 70% is for bills and expenses. The other percentage is for goal (debt, savings)
@joanaamaral8080 2 жыл бұрын
Where to I get that excel template you are using In the video?
@NaturallyLizzie 2 жыл бұрын
I don’t have an excel spreadsheet it’s just a pdf file I created. You can find my worksheets in my shop, link is in my description box. 🤗
@joanaamaral8080 2 жыл бұрын
Okay perfect. Just ordered one . Thank you 💕
@joanaamaral8080 2 жыл бұрын
What device are you using?. It's cute and love the pen as well
@NaturallyLizzie 2 жыл бұрын
I use an iPad Pro.
@Sheila324 3 жыл бұрын
How is rent $375??? Is that a month of you pay that every week??
@NaturallyLizzie 3 жыл бұрын
Each paycheck
@bookwormbon482 3 жыл бұрын
What is TTTHE?
@NaturallyLizzie 3 жыл бұрын
Tithe is giving 10% of our pay to God. We believe that as a follower of Christ we are to do this in order to bless the church. There’s more to it, I’m just paraphrasing 🤗
@vittoriawebb8156 3 жыл бұрын
How do you live a whole month on $75 for your groceries...? Am I missing something?
@NaturallyLizzie 3 жыл бұрын
Oh we don’t live off $75 for the month. That’s per week.
@vittoriawebb8156 3 жыл бұрын
@@NaturallyLizzie ahhh that makes sense 😂
@Elizabeth-uj8vn 2 жыл бұрын
@@vittoriawebb8156 😂😂
@jennifersovia1461 2 жыл бұрын
Where do you live!? Our groceries are $350 per week
@SummerSunset2207 3 жыл бұрын
So the app just gives you additional tracking capability. You still have to physically move the money in the bank🤔
@NaturallyLizzie 3 жыл бұрын
Yes. This is just tracking. In my account I have one savings specifically for my sinking funds. This tracking app allows me to know how I want to divide up those amounts.
@Elizabeth-uj8vn 2 жыл бұрын
@@NaturallyLizzie thank you I was wondering about that..
@allisong2302 10 ай бұрын
I have some questions. Is this a monthly budget, or a weekly budget?
@NaturallyLizzie 10 ай бұрын
Weekly budget.
@allisong2302 10 ай бұрын
So are actually taking all your expenses and dividing them up by 4, or is that a percentage as well?
@NaturallyLizzie 10 ай бұрын
I do take all of my large fixed expenses and divide by the number of paydays that month. With the payday breakdown I do still aim to live off of percentages for my total spending anticipated for that week. Gosh I hope that made sense. 🙈 lol
@Sheila324 3 жыл бұрын
How is your rent $375????
@NaturallyLizzie 3 жыл бұрын
It’s definitely not. This is a breakdown of the total, which is $1500. I separate an amount from each paycheck.
@emmaross3925 3 жыл бұрын
Your husband’s name is Emma? Sorry I was just confused thinking Emma was maybe you or your daughter’s name.
@NaturallyLizzie 3 жыл бұрын
His nickname is Emma short for Emmanuel
@Sheila324 3 жыл бұрын
I thought the same thing like she was married to a woman lol
@NaturallyLizzie 3 жыл бұрын
Lol. He’s actually been on a few times on my channel. We used to do live videos awhile back and he would mention that.
@TheSanctifiedBabe 3 жыл бұрын
When I saw tithe I was like yessss Tithing is so good financially, sometimes I give my tithe to people in need or to the church
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