MY CASH ENVELOPE CATEGORIES | Budget Tips + Cash Envelope Method

Рет қаралды 188,023

Күн бұрын

Here is a look at my current variable budget categories!
In this video, I give you an inside look of my wallet, my cash envelopes, my budget categories, and information about the cash envelope method.
I started using the cash envelope method in 2019. It has brought so much clarity around my finances and it forces me to ask the hard question - "If I spend this money now, what am I giving up in the future?"
If you're on a budgeting journey, I highly encourage you to implement the cash envelope method into your life. Begin with using a cash envelope for one or two areas in your budget that you tend to overspend in. Placing a hard limit on these categories will allow you to get that category under control as well as bring more financial awareness into your life.
CHAPTERS:
00:00 Introduction
01:11 Why I Started Using The Cash Envelope Method
02:10 Figuring Out What Categories You Need Envelopes For
03:41 How Many Cash Envelopes Should You Have?
05:07 Benefits Of The Cash Envelope Method
07:34 Inside Of My Wallet
08:40 Breakdown Of My Budget Categories
14:54 How Often To Stuff Your Cash Envelopes
16:44 Figuring Out How Much Cash To Stuff Into Your Envelopes
➡️ LADYBUG THEME CASH ENVELOPES: bit.ly/2S8HQRM
➡️ MY WALLET: tbm.filofax.com/
➡️ 2021 SAVINGS CHALLENGES: bit.ly/3gK6twj
➡️ HOW I TRACK MY SPENDING: bit.ly/3aIe89I
➡️ HOW TO USE A BUDGET CALENDAR: bit.ly/2IzF2Vj
➡️ FINDING YOUR WHY: bit.ly/3aJUryj
➡️ THE BUDGET MOM'S FINANCIAL FREEDOM STEPS: bit.ly/3cfJXsp
➡️ HOW TO GET STARTED WITH THE CASH ENVELOPE METHOD: bit.ly/2vQJaO5
➡️ HOW TO CREATE A PLAN OF ATTACK TO PAY OFF DEBT: bit.ly/2wDETxF
ABOUT ME
I'm the blogger behind www.thebudgetmom.com. I have a rambunctious 8-year-old son, live in Washington, and I'm passionate about helping people with money management and personal finance. Let me know what you like to learn more about! Leave me comments and suggestions on my video and let me know!
YOU CAN FIND ME AT:
📝 BLOG: www.thebudgetmom.com
📘 FACEBOOK: / thebudgetmom
📸 INSTAGRAM: / thebudgetmom
📌 PINTEREST: / thebudgetmom
GET STARTED
➡️Start Here: www.thebudgetmom.com/start-here/
➡️Free Email Course: bit.ly/2UYgNFf
➡️Free Resources: bit.ly/2PDmTHz
➡️GET 10% OFF my popular Budget-by-Paycheck Workbook - Coupon Code TBMKZfaq bit.ly/2CR7U9n

Пікірлер: 215

@nats6190 3 жыл бұрын

I love these videos where you get back to basics. They're so motivating!

@thebudgetmom 3 жыл бұрын

❤️ ❤️ I am so happy to hear this! Thank you!!

@andrealewis1700 3 жыл бұрын

Yes same

@jackiemadegwa5906 3 жыл бұрын

I agree. These videos of taking you back to basics are really encouraging

@alethlumagbasboniol4473 2 жыл бұрын

Yes, same here.

@sandrawilliamson2156 2 жыл бұрын

@@thebudgetmom I am late to the game. Thanks for the tips.

@ktsterlin9304 3 жыл бұрын

These "basics" videos always help me double check and improve my own budget. I'm an electronic budget keeper and this still helps

@faithco23 2 жыл бұрын

This system works so well because of how transparent you are with your own money! Money is such a hush hush topic for so many people that it is AWESOME to actually see someone show their real budget and the actual money they are working with, not just vague fictional numbers. Thank you!

@nancym2412 2 жыл бұрын

@Karlsz Жыл бұрын

She works so hard! The amount of video and product output is amazing. Go, Miko!!

@arthrodea 3 жыл бұрын

This might sound strange, but its helpful to see a non-rice-and-beans example of spending categories. I am out of debt, but I'm having a hard time with tremendous guilt and anxiety to spend money on things like fun or getting my nails done or beauty.

@nats6190 3 жыл бұрын

I used to feel really guilty spending any fun money. I switched my budgeting technique so that I put a guaranteed % of each paycheck toward savings and retirement *first*, before devoting the remainder to my spending categories. By knowing I'd already met my savings goals for the month, I felt more at ease to spend for fun purposes. Maybe you could try this?

@TH0KH 3 жыл бұрын

If you're in a good place, there is no reason you can't work a fun allowance into the budget!

@msdeenatural_3 2 жыл бұрын

@@nats6190 that’s a good idea.

@matemahe 2 жыл бұрын

Beauty/hygiene category seems reasonable for me bc I need shampoo, lotion, body wash extra $ is for nails or lashes if I was into that

@jclyntoledo 3 ай бұрын

That sounds like a shame issue and exactly why I don't follow the majority of the popular budget advice because all it does is shame you into spending money that isn't on things you can't absolutely live without. When there should have always been a fun budget even if the fun budget was a one time a month expense that wasn't greater than $20.

@kofiamankwa9258 2 жыл бұрын

Nothing but value from these videos. Nothing but value

@aixabal 2 жыл бұрын

I'm so grateful that I found your channel. A few years back I pulled previous months statements and began budgeting and it did well up until furlough life last year and since having our full income back we have gotten way off track. I'm ready to get back on track and even thinking about the cash envelopes method this time around.

@traciecashesin3808 3 жыл бұрын

This is great for those starting out! I do digital tracking and cashless for my Groceries and Gas but I've definitely got so much better with the other categories with envelopes

@kallistoindrani5689 3 жыл бұрын

I'm glad she did a video about this a bit more in-depth. It will help me for July because I have a few categories that I spend too much on.

@eileenstuffs 2 жыл бұрын

I agree. Using cash envelopes is very eye opening to track how you are spending! It has made such a difference for me

@LifeWithTheChounardSix 2 жыл бұрын

Love going back to basics. Sometimes you just have start over. I just put together a holiday only binder and stuff it for the first time. I'm so excited

@katiethomas2170 3 жыл бұрын

Very helpful. I get so motivated to to the budget by paycheck method. I track my spending then I fall off track. I NEED to stick with it and complete the process. I do feel like every time I watch your YT videos things sink in a little better.

@NaturallyLizzie 3 жыл бұрын

I absolutely love this!!! This month I’ve gone back to using cash after being cashless this year. You have always been really encouraging to me!!! Thank you for always bringing us value!!!!

@budgetwithjenny 3 жыл бұрын

Very helpful video! so true that when it comes to budgeting everyone's journey is different. It was nice learning how you do yours. Thank you for sharing :)

@victoriarodriguez3153 3 жыл бұрын

Thank you for explaining helps me to start up my budget.

@DaisyBudgets 3 жыл бұрын

Using the cash envelope system has changed the game for me. Great video 👏🏼

@sarauribevalderrama9444 2 жыл бұрын

Thanks for this video!! By far the best I have seen after hours or search!

@missxcristal 2 жыл бұрын

This is what I needed! I was watching a couple of other videos yesterday and felt like it would be challenging trying to have envelopes for the fixed expenses. Great explanation for this system

@aimaraolazabal5146 2 жыл бұрын

I always love your videos. They are so practical and go right to the point. And I love your art...just purchased the ladybugs cash envelopes. I am learning so much with your videos and I feel very motivated and more confident. Thank you! You are the best!

@estherannpurvis5525 Жыл бұрын

OMG!! This amazing! You have opened my eyes... thank you, I also love your book.

@thevillagebohemian2572 3 жыл бұрын

Perfect timing. I’m literally working on this today!!😂❤️

@user-lu3fe8qj6z 3 жыл бұрын

∞Hello dear if you need More help do well to reach us on @Text me and we will assist you Nicely and we link you up with something New!+]1^3^1^8^4^0^6^9^0^5^3♪♪♪♪

@CoolCraftyCreations 2 жыл бұрын

Hey Kumiko, started using the cash envelopes system back when I started the Dave Ramsey University program over 6 years ago, probably around the same time you did, lol. I just pre-ordered your book, and next year I’ll be using your workbook that I just ordered yesterday! I’ve tried other budget workbooks and I ended up having to make major adjustments. Looking forward to working with your system.

@aurorasanchez7922 Жыл бұрын

Thanks for make a video for starters.100% is creativity is the difficult part + consistency.

@stamatia85 2 жыл бұрын

What a great video! Really helpful. Few days ago I ordered my cash envelopes and didn't know how to start. Thanks for the tips.

@TaylahLouiseBudgets 3 жыл бұрын

Yes! Everyone spends money so differently. Love seeing videos like this ❤️

@user-lu3fe8qj6z 3 жыл бұрын

∞Hello dear if you need More help do well to reach us on @Text me and we will assist you Nicely and we link you up with something New!+]1^3^1^8^4^0^6^9^0^5^3♪♪♪♪

@alethlumagbasboniol4473 2 жыл бұрын

Yes, that´s right!

@syadillabajet5009 3 жыл бұрын

Thank you Miko. Finding you on youtube back in Mei 2020 is one of the biggest thing that change my mind on how i spending my money. Thank you so much 💜

@user-lu3fe8qj6z 3 жыл бұрын

∞Hello dear if you need More help do well to reach us on @Text me and we will assist you Nicely and we link you up with something New!+]1^3^1^8^4^0^6^9^0^5^3♪♪♪♪

@Terra1976 3 жыл бұрын

Thank you for making this video its making the cash envelope system easier to understand.

@user-lu3fe8qj6z 3 жыл бұрын

∞Hello dear if you need More help do well to reach us on @Text me and we will assist you Nicely and we link you up with something New!+]1^3^1^8^4^0^6^9^0^5^3♪♪♪♪

@KirstenEscobedo Жыл бұрын

Thank you for explaining your envelopes in detail. It was helpful to understand which ones you use cash and which ones you use your debit card. Great video!

@jjvillalo4330 8 ай бұрын

Hi I saw this video like a yr or 2 ago and began doing same. I am so happy my little one has gotten intrigued by this and wants to follow it. I just wanna say thanks for your videos.

@tamaraslifejourney989 2 жыл бұрын

Wow all these months I have been watching your channel I thought I was subscribed. I am now. Love your videos❤️

@joanngerena6411 2 жыл бұрын

This is the best vid!!! Thank you❤️

@judithbuchanan9566 3 жыл бұрын

This video was sooo helpful for me Miko👍🏽. Thank you so much😄

@user-lu3fe8qj6z 3 жыл бұрын

∞Hello dear if you need More help do well to reach us on @Text me and we will assist you Nicely and we link you up with something New!+]1^3^1^8^4^0^6^9^0^5^3♪♪♪♪

@gabbil596 2 жыл бұрын

What do you do with the money that you don’t spend at the end of the month? Do you roll it into the next months cash envelope or put it into savings? I feel like I’d put it right into savings.

@moonrain85 Жыл бұрын

I would like to know this too

@granolagirlGfunk Жыл бұрын

I have seen other videos where it depends on your goals. Some people have a goal to create a good savings account while others are using that extra money to pay off a debt.

@CGWolfGirl 8 ай бұрын

You could try putting in your savings,paying something off, or using for extra cash for the next month so basically what I’m trying to say here is that you can you try all of these and see which one works for you and basically experiment with it.Everyone is different with it hope this helps and good luck 😊

@lexra21 7 ай бұрын

I love this!!!!

@floodcitystitch 3 жыл бұрын

Ok running to get back on track 🏃‍♀️

@kelseyb8426 3 жыл бұрын

My personal budget categories are groceries, travel (gas, car expenses, ubers), entertainment, restaurants, beauty/health, home, and misc. I do cashless and just use the every dollar app to track each category budget, I reset it every time I get paid, I also don't have it hooked up to any of my accounts because I want control over adding each time I spend and what budget it goes into. I have a fish tank but don't keep a budget for that each paycheck, I have a sinking fund so when I need to buy food, salt, or other supplies I just pull from there.

@Vero.does.better Жыл бұрын

Loved this vide. I keep coming back to it

@christinelee3344 Жыл бұрын

Excellent information simplified

@spygurl15 3 жыл бұрын

Great video! This was so helpful!

@thebudgetmom 3 жыл бұрын

Yay!! Glad it helps! :)

@nicolelink2419 3 жыл бұрын

Can you do budget for getting a month ahead on bare bones budget amount .

@srahsunshine6708 3 жыл бұрын

Thank you meco this is very helpful

@adrienneadelsperger897 5 ай бұрын

So good!!❤

@haleywhite2262 3 жыл бұрын

this is so cool ! thanks ☺️

@teresaleblond1465 3 жыл бұрын

I needed this video thanks

@susanwhitbeck4210 2 жыл бұрын

Thank you for the breakdown. I find when I plan out my meals I don’t need to eat out. I really do need to do cash envelopes for food and eating out. It is so easy to overspend. I write out budgets every month but I never go to zero because I know we will need that extra. I have no emergency and I have things I need for the house but never get there. I will have to start small with cash envelopes and open some extra savings for the long hall expenses.

@meowma201 2 жыл бұрын

Thank you. I'm just beginning this journey. Our fixed expenses (mortgage, house insurance, rates, car insurance, family savings, school tuition fees & 2 credit cards) are all online paid through my husband's pay check as he gets paid way more than me. My pay check is more for my use only really. He says it's mine to away with. So, I'm just using paper envelopes with mine. My categories are the following: personal savings (I've placed a $1k goal target then I'll move it into our joint savings account as a surprise to my husband), home building maintenance ($1k goal), birthday fund for each of us (me, my husband, 2 daughters, son in law, again with goal targets of $300 each), emergency fund (no goal target there, I'll just keep adding $50 each pay period) and our cat's needs envelope. That's it for now. I don't want to be overwhelmed as I'm only beginning.

@bonecrusher9745 3 жыл бұрын

You are absolutely amazing. What stores do you usually do your grocery shopping at? Do you ever stock up on water? Can you possibly do some in store grocery shopping videos? It would be awesome if you could show how you do your full shopping

@phyllisblessed7838 3 жыл бұрын

Thank you this was very helpful.

@user-lu3fe8qj6z 3 жыл бұрын

∞Hello dear if you need More help do well to reach us on @Text me and we will assist you Nicely and we link you up with something New!+]1^3^1^8^4^0^6^9^0^5^3♪♪♪♪

@EvitasBudgetingLife 2 жыл бұрын

Can't wait to get one. :)

@mrsmakahanaloa 3 жыл бұрын

Wonderful video as always! Mahalo Kumiko ❤️

@thebudgetmom 3 жыл бұрын

Thank you so much!! ❤️❤️

@saraibucciarelli1821 Жыл бұрын

Good video. I roll over left over money to the next month in the same categories.

@valeriebabbe7681 3 жыл бұрын

Thanks for doing this vedios this very helpful to me.

@user-lu3fe8qj6z 3 жыл бұрын

∞Hello dear if you need More help do well to reach us on @Text me and we will assist you Nicely and we link you up with something New!+]1^3^1^8^4^0^6^9^0^5^3♪♪♪♪

@jeannine8400 2 жыл бұрын

I found this video very informative. :)

@stephaniehouse4 2 жыл бұрын

Thank you so much!!

@Haley.Nicc_ 2 жыл бұрын

Hi! I absolutely love your channel! It’s changed my life! 💕 My fiancé & I just combined our finances & we have multiple paydays per month. He gets paid bi-weekly & I get paid from my full time job semi-monthly & from my part time job semi-monthly as well. We essentially have 6 paydays a month, sometimes with paydays a few days apart. How do we “combine” paydays? Love you!

@ladyd5381 Жыл бұрын

I save a large amount then I get prepaid 💳 credit cards from Walgreens and I use it for the year. I buy one for gas one for groceries and one for beauty like getting my hair and nails done. I enjoyed this video always informative.

@placebo11000 2 жыл бұрын

I get paid fortnightly, the first fortnight I fill my cash envelopes, the second fortnight I fill my sinking funds. I alternate because its simpler for me but it doesn't make a difference.

@jozettaphillips6192 2 жыл бұрын

Thank you

@BudgetByTheBag 3 жыл бұрын

💙 I agree that our journeys are different when it comes to budgeting! 💙

@thebudgetmom 3 жыл бұрын

Yes, 100%. Everybody's journey is so so unique. ❤️

@arobi39134 3 жыл бұрын

New Subscriber here! I saw you on Tamron Hall

@monikaczelewicz558 2 жыл бұрын

Zaczęłam właśnie Cię oglądać i jestem pod wrażeniem. Ja zaczynałam od 3 kopert (żywność, samochód i cele ) rachunki stałe w tym wydatki awaryjne, które są niezmienne schodzą automatycznie z konta. - teraz po 4 latach mam ich tylko 6 (zabawa, urodziny, medycyna) Uważam, że to mi wystarcza. Nie bawię się w Challenger-uważam to za zbędne. Kontroluję wydatki, mam żelazne zasady i się ich staram trzymać. Zamierzam jeszcze wprowadzić kopertę *crap*

@cometasporelcielo 7 ай бұрын

these videos are so inspiring. I'd love to do the cash envelopes but one time someone stole my wallet and took 300$.

@msdeenatural_3 2 жыл бұрын

If you have a budget planner you can keep track of your expenses as well. Or just keep a reg envelope, write it down. I keep all my receipts at the end of the week. I add everything on on my expense tracker in my planner.

@avril149 3 жыл бұрын

Thank you so much for this video! I adopted the cashless envelopes mostly because we have online purchases that we count in our budget, like pet food or online courses. But it's true that having cash instead of just numbers on a paper would be very efficient for limiting overspending. I try to be thorough though ^^ Also, love your tattoos, they are gorgeous! Do you budget these, like in a sinking fund? Take care!

@user-lu3fe8qj6z 3 жыл бұрын

∞Hello dear if you need More help do well to reach us on @Text me and we will assist you Nicely and we link you up with something New!+]1^3^1^8^4^0^6^9^0^5^3♪♪♪♪

@robynoreilly7442 3 жыл бұрын

I bought your budget book

@maureenpluthero8543 3 жыл бұрын

In the last 15 months most of my envelopes went to cashless due to the pandemic. Since things are now opening up and I will be fully vaccinated I will start them again however not as many as I had. I find for crafts, groceries and eating out the envelopes work well as it keeps you on track. The others I will leave cashless as I do not have trouble keeping to my budget on those.

@thebudgetmom 3 жыл бұрын

I love this! I came to that realization as well with my gas category!

@jenniferwang3489 2 жыл бұрын

I'm going to try hard this coming year to do envelopes. Even if I do cashless, I can do it. My categories will be household, auto (gas) , kids, and misc. Kids will include diapers, but we're really close to being ready for potty training. If I can get my oldest to go for it, the younger one will do it, so that money can still be stacking up and the kids can do whatever with it. We are very well stocked with toiletries and household stuff, so this will just roll until we need it. Gas, of course, will go in the gas tank. And miscellaneous is... well I'm nto sure exactly but I'm treating it like an "other" account.

@melissavazquez2953 2 жыл бұрын

You are very pretty and I enjoy your videos..so much insight..mom of 9 ,i stretch my husbands hard earned dollars around the corner..and back..really tight budget.But I am still getting ideas from you.

@jaynemiller6763 2 жыл бұрын

I have not found the video on how to make your envelopes. Where do I find that. I got the the print out. Do i print on card stock?

@FrankPersico Жыл бұрын

Do you have an envelope with a budget for buying new envelopes?? Lol great content

@bonnieclagg8136 2 жыл бұрын

What is the link for the binder and envelopes?

@theage27iscursed Жыл бұрын

Hello ! I’ve stumbled upon your videos and I would like to try and apply this method in my life, especially since my husband I are starting a family ! Any tips for a beginner ? Or perhaps a step-by-step game plan ? What I don’t understand is that say you haven’t spend all of your beauty allocated money at the end of the month (only 25 out of the 50$ for example), what happens then ? Does it mean that, the following month, you are only refilling the envelope with 25$ to make it an even 50 again or do you put 50 again anyways, meaning that you have an extra 25 if you want to treat yourself some more, or do you take what’s left to allocate it to a sinking fund or anything else ? Thank you !

@Rufus1531 2 жыл бұрын

Great video, Thanks. You make it sound alot easier than i thought. One question though, what do i do at the end of the month(or week if you get paid weekly like me) If i have money left over in a catagory what do i do with it? just put it aside as savings? Sounds like a stupid question i know, but i have never done this before😄

@makeemswaya 2 жыл бұрын

I use my leftover money and put into savings challenges honestly

@NostalgiaSue 2 жыл бұрын

My question is how do I get my points when I don't use my card. I love using my Visa and I keep all the points for a trip at the end of the year. Maybe this way would help me not overspend...

@luv2cook5 3 жыл бұрын

Hi miko..I had to get my car fixed and it costs over 800..I had to use all my car money envelope and all of what I had for my 52 week savings..I'm happy I had the money..I gotta start over again 🙃 I'm feeling frustrated about it ..I really need to focus more it's work.

@luv2cook5 3 жыл бұрын

@@_kat_koch_ thanks

@zzamoasphynest10 3 жыл бұрын

How can I purchase the cash envelope template?

@jameshuseby9931 3 жыл бұрын

Do you have any vices mine is music collecting need to budget better amazon is a killer any tips

@monicacotturone1657 2 жыл бұрын

So what do you do if you need to pay for something that would fall under your envelopes BUT they only accept cards? So say I need to buy admission to my daughters volleyball tournament and they don’t sell tickets at the door and you have to buy online. Do you just take that cash and deposit it to offset?

@jamilla_beautiful2825 3 жыл бұрын

Does miko have a podcast?

@Lovelyone1 3 жыл бұрын

Hi. I kinda fell off with my cash envelopes..but, I have been amazing with my sinking funds, investing, bills. The money I spend on groceries, eating out, farmers market (with the boys weekly for treats), pizza Fridays, etc. it has creeped back up to about 1400 dollars a month!! Can you do a detailed video on tips about how to stop wasting hundreds of dollar a month with food. I’m really doing great otherwise, but it really bothers me that I could be doing so much better. PS…I have enough money for investing, kids extra curriculum, beauty, etc….I would love to be able to put that extra money toward savings.

@user-lu3fe8qj6z 3 жыл бұрын

∞Hello dear if you need More help do well to reach us on @Text me and we will assist you Nicely and we link you up with something New!+]1^3^1^8^4^0^6^9^0^5^3♪♪♪♪

@jessieloubamboo 2 жыл бұрын

I use my debit card for my transactions but I have fake money in my envelopes so I can keep on track.

@megandreister 3 жыл бұрын

What are you doing with cash leftover at the end of your month? I know your recommendation is to put it toward your #1 financial goal, but I'm curious what that is for you right now? Thanks!

@otilliagrosan2613 3 жыл бұрын

Could you please do an in-depth video regarding cashless budgeting? I dislike carrying cash but I do swipe my cards like there’s no tomorrow. I do have multiple savings accounts that I use as my sinking funds. Thank you!

@monicaruiz734 3 жыл бұрын

I believe she did a video on this last year.

@otilliagrosan2613 3 жыл бұрын

@@monicaruiz734 she has an overview of a cashless budget but not an in-depth one. She has also mentioned her assistant does cashless budgeting but I haven’t found a video from either of the ladies.

@MissouriPrepper64052 3 жыл бұрын

Every single one of my billings from my house payment to all utilities streaming apps phones credit cards on down the line is 100% online now there’s no more need for cash honestly very few places don’t have a debit card slider anymore everything can be done 100% online including my groceries there’s no need for cash pulled out unless it’s a sinking fund in my opinion and for that definitely would pull out cash and put it aside so it’s not used other than that budgeting system is super easy it’s a notebook and a pen

@patriciapification 2 жыл бұрын

💚

@solidflyer286 Жыл бұрын

I assume auto pay is like direct debit in the U.K.? We often don’t get a choice about paying that at way or get charged a fee if we don’t.

@andrealewis1700 3 жыл бұрын

Hi Budget Moms- I know the budget mom talked about how changing your financial life can be a lonely road sometimes but any tips to find like minded people to help encourage one another?

@lucyben9173 3 жыл бұрын

go invest with the company that she always talk about you will make more profits

@jadiecakes3241 3 жыл бұрын

There is a budget mom Facebook group! Its a great group, very suppourt and nice people. You can also enter the mentorship program through it if you want specific help.

@lucyben9173 3 жыл бұрын

@@jadiecakes3241 what group is that ?cause the best i have seen is tradingfxstation.

@amyfletcher4749 2 жыл бұрын

I have to do my bills separately because there automatic. The leftover money I put in envelopes.

@burnisheddragon 2 жыл бұрын

Do you use a digital envelope system too. Many places are going to debit card or visa only and rural areas no longer have access to ATM or banks. Also I don't like to have cash laying around.

@FearlessQuery21 Жыл бұрын

👏🏽

@angelcarroll2926 Жыл бұрын

But what do you do with any left over money from envelopes. Like say I allowed myself $150 a month for eating out but at the end of the month I only spent $75, what do I do with the extra $75 still in my envelope? Do I roll it over into the next month, give it to a different envelope that I was cutting it close on with spending or just throw it into a emergency savings?

@Heyitskkaye 2 жыл бұрын

Is your wallet RFID capable?

@jeanquintero3513 Жыл бұрын

Hi is mutual funds consider an emergency fund? Thanks

@MMagee718 2 жыл бұрын

How do you pay with cash envelopes when you are paying for multiple things on one transaction? Like if you go to Walmart and pick up groceries and clothes? That would be 2 different cash envelopes for me... would you suggest doing 2 different transactions?

@mysinglemomlifeof2 3 жыл бұрын

QUESTION!! When you go to the store and are purchasing from multiple categories say from food and household, how do you pay? Do you just take the cash from the different envelopes?

@mylitteIvory 3 жыл бұрын

Yes, that's what a do, so easy ❤

@user-lu3fe8qj6z 3 жыл бұрын

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@vanessabarnes2169 3 жыл бұрын

I personally will split my order, just easier for my brain. If it is just one or two items I will combine then do a little math and adjust envelopes at home.

@terrileetrow1024 Ай бұрын

How do you cope with veterinary expenses for your pets?

@user-hd8ej8yx9p 2 жыл бұрын

Budget mom looking like a snack

@veetee4826 Жыл бұрын

what if I spend on uber eats? do I just keep money in account? would be hard to control.

@ItsNomieHomieBologna 3 жыл бұрын

Just so I understand, So if you have a cash envelope that is set to hold $80 and you’ve spent 20 of those dollars in between paychecks when you get paid are you putting that $20 in there to keep that cash envelope at 80 or are you putting $80 into that envelope every time you get paid

@vanessabarnes2169 3 жыл бұрын

You put the 80 in every time you get paid, if that is what you set up. At the end of the month, if you have an overage, you can reallocate the funds to savings or carry the balance. I personally reallocate funds.