Tag Archives: sinking funds

New Worksheet for Paycheck Budget

**New Worksheet for Paycheck Budget**



Views:13833

Rating:4.95

View Time:9:8Minutes

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In this video, I am showing you the new Bill Tracker for my paycheck budgets. I love the new layout and how there is a spot for every area of your budget. This Bill Tracker can be used for any income and any pay schedule, which makes it truly customizable to your own life. For me, it’s the perfect solution for creating a plan for your bills, saving, and debt.

This new worksheet will be released next month, after the release of the new physical edition of the Budget-by-Paycheck Workbook at the end of next month.

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I’m the blogger behind I have a rambunctious 6-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!

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good morning I have been up since about 3:30 this morning I woke up I had a dream last night oh my gosh I don't know why this happens to me ha but I had a dream last night and in my dream I saw the bill tracker and the bill tracker had rounded corners I'm gonna show you this morning so here's the thing since I went from paying off all of my debt to now i'm in savings mode I realized that if I'm in this position then there's got to be other people out there in the TVM family who is also in this position where you don't have debt and you have savings on the old bill tracker and let me just grab it I'll be showing this on the table as well but on the old bill tracker there is only an area to make extra debt payments there is a savings plan area but I've been using it for my sinking funds and so something that's been kind of bugging me is that in order to make any or to put on my budget that I'm you know I have extra savings like savings going to my house I've had to white out the word debt and put extra savings here and so I also realized that a lot of my paychecks at least once a month I have a paycheck where I have multiple sources of income and I like to break my income down as you can see I have it written down here I was getting frustrated as you can see there's white out on this bill tracker but of me having to write it over here on the side there was just a couple of small things like that but in my dream I looked and I was looking at the bill tracker I'm sorry I'm just so excited about this probably why I couldn't go back to sleep tonight I get very very excited about these things I created a new bill tracker I try sharing maggiore to reminders that they're in that work hard work dedication motivation it's all about having a plan here my my life they're like oh man you go in as you can see now and let me bring the old ones side-by-side so you can see it here's the old ville tracker right here here's the new one this one has a couple of boxes you can do your income now but how you work your budget is like this you pay your regular bills online first step take care of your regular bills then you take out cash for your envelopes then you take care of those expenses that come up in your life that sometimes forces you or pressures you to use your credit card now remember my budgeting method is all set up to deter you from going into more debt it's getting you to set yourself up financially for the future so you have cash for those expenses so then it becomes your sinking funds after you have your regular bills paid your variable cash envelopes taken care of you are thinking about the future then it becomes extra debt payment and after that you have extra savings okay those are this the this the order in which the debt your budget should be laid out so now there is an area for everything on this new bill tracker as you can see with the old bill tracker I had just one area for savings one area for debt now you're getting an area for sinking funds and extra savings if your budget will allow you to do it I kept all of the letters and numbers to help you fill it out you match up the letters as you go along so for instance after I pay my regular bills I have a leftover income of 619 C the letter A so you might be wondering well what do I do with this 619 we'll look for the letter A here it is you use it for your envelopes once you take care of your envelopes it's how much money do you have leftover leftover B I have a hundred and fourteen dollars so your ask yourself what do you do with that 114 you take care of the future and here you go see how the letters match so you'll use your leftover income 114 you take care of your sinking funds now in my budget for the 20th which is today which means I need to still go online and pay my bills I will be going to the bank to pull out cash on for my envelopes today but I do not have anything for extra debt I don't have any debt or extra savings but as you can see when I get to my paycheck on February 28th I am making an extra savings contribution to my house savings and do you see how I have to wipe out not anymore there is a place for that now when I talked about seeing in my dream the rounded corners do you see how on the old bill tracker its square like these are just square boxes now they're rounded and this is what I saw in my dream I think this gives you a more overall financial plan because remember your budget is not just writing down numbers for your bills a budget means preparing it means planning an overall plan for your entire financial life that's savings that's variable spending that's paying off debt all of those things should be included in your budget and when you do that you will truly feel prepared because you're truly giving every dollar of your income a place in your budget or financial plan this really does take care of the three major things in your budget bills debt saving and of course you have your cash envelopes for your variable spending so here's the old one and as you can see another thing I didn't like is my monthly bills sometimes I didn't have enough to get these two spots filled up so I had to use arrows now it's all on one area right here there is enough lines I spent morning updating the new bill tracker I got some suggestions yesterday that the flow was kind of off and I wanted to add something someone be showing you I'm gonna be showing you um the new bill tracker and what that looked like today so let me show you what I have going on so this is the new bill tracker let me kind of just show what's going on here and I got some comments about wanting some more income boxes and to add a budget an actual area to the income as well as to the sinking funds extra debt envelopes and extra savings so now there is a budget in an actual column for that I also got asked to change the flow of the worksheet so now it is an order so bills envelopes sinking funds extra debt and savings because before it was going from left to right right to left and it was bouncing around a lot so now all of the boxes are adding up in order I did add more envelopes and more areas to the extra and extra debt and extra savings area so this is the new bill tracker I am not making any more changes to it um in fact I already filled out my paycheck for the 28th with it and I'll show you what that looks like really quickly this is my paycheck for the 28th and it's wonderful now remember my paycheck with the 28 is a full month this is one month budget because I am I'm switching to UM self-employment income where I'm going to get paid one time a month on the last day of the month so these are all of the bills that I pay every month all of my sinking funds every month and I did have money left over to do a house savings contribution and we'll be doing a video overview of this paycheck as well if you found this video helpful please share it and don't forget to subscribe you

Paycheck Three Budget | July 2019 | Erin Condren & Planner Kate |

**Paycheck Three Budget | July 2019 | Erin Condren & Planner Kate |**



Views:1247

Rating:4.93

View Time:15:20Minutes

Likes:71

Dislikes:1

Hey friends!

In today’s video, I am sharing our budget for the third paycheck of July 2019.

I hope you enjoy! Thanks so much for watching!

Xoxo,
Stephanie Anne

CONNECT WITH ME:
Instagram: @stephanie_anne_1210
Email (Business Inquiries Only Please): [email protected]

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FILMING EQUIPMENT
– Tripod –
– Lighting –
– Microphone –

MISC BUDGETING & PLANNING PRODUCT RECOMMENDATIONS:
– Pilot G2 Pen –
– Vera Bradley Deluxe All Together Crossbody –
– Savvycents Wallet –
– Dave Ramsey’s Total Money Makeover book –
– Financial Peace University –
– Fossil Fiona Tab Clutch Wallet –
– Cash Dividers & Labels from A Time for Everything on Etsy –
– Sticker Paper for Sticker Storage Album –
– Filofax Saffiano Compact Zip Organizer –
– Cash Envelopes from Mama’s Gotta Budget on Etsy –
– Cash Breakdown Cards –
– Slice Cutter –
– Frixion .7 Erasable Pen –
– Filofax Personal Organizer –

EVERYDOLLAR:
www.everydollar.com

DISCLAIMER:
I am NOT a financial expert. I am not qualified or certified to give financial advice. All of the advice I provide is based off of my own personal experience. If you are seeking financial advice, I would recommend getting in touch with a professional.

Some links listed above may be affiliate links. Using the links does not cost anything extra for you, and it helps support my channel so I can continue to grow and improve my channel. Your support is appreciated!

Music Credit:
iMovie Audio Library & YouTube Audio Library
hey guys welcome back to my channel today we are going to be planning out our budget for the third paycheck of July so in front of me I've got my Erin Condren deluxe monthly planner I've currently got it combined with my life planner but I think I'm gonna separate things out again which I'll be explaining all that here pretty soon probably in my next plan with me that you guys will see on Monday I'll kind of explain that a little bit more but I've got these two pages here so I'm going to set up our paycheck three budget over here and then our spending tracker over here very similar to how I've got it set up over here but obviously different cuz we're working with different numbers this week and this week in particular is a big week because I get my full time job paycheck I also get my paycheck from everything that I do for YouTube so we've got more going on this week for sure but let's go ahead and get started so I've got a whole bunch of stickers over here from planner Kate I've got some boxes which I'm not really sure actually what I'm gonna do with those but that's okay and then I've got some washi I've got some extra of the like basic boxes and labels I've got some stickers from Sarah Marie stickers I love her paycheck 3 and paycheck for sticker or well all her little paycheck stickers I've got a bunch of them and then I've got some thin washy I think I might use one of these little check marks and then I also have these like itty bitty piggy banks from planner Kate which is I 922 so we're gonna start out by putting down our washi at the top and I've just been kind of lining it up with the bottom of the hexagon I'll do that first and then I'll put paycheck 3 at the top I love Sarah's scrip stickers she's got a whole bunch of them and they were fantastic and I think her quality of stickers is right on par with with planner Kate stickers on like she did she's been doing a phenomenal job okay and then I'll go ahead and put some washi on this side as well and I think I'm gonna do this like flag looking one I have to cut it moves up over a little bit okay good my slicing tool I love being able to get a bunch of add-ons from Kate's like monthly kit which is part of the reason I've decided to use her stickers for my budgeting is I'm kind of a matchy-matchy person and I love that I can just get like a bunch of these little like add-ons and stuff and like washing sheets and kind of use my monthly kit along with all of her budgeting stickers and have everything like match I just really have been loving that so I'll do my spending tracker sticker right here okay and then I'll put my washi strip down for the spending tracker alright that takes care of that so I also need my income like budgets for stickers one second couldn't find them at first and I started panicking okay so we're gonna put down one of these little boxes and we'll use it to track our income and income is gonna include all of our paychecks our roll over all that stuff is included so so for our income we are expecting to have a total of let's see three thousand forty dollars and 25 cents and again that is not like a paycheck amount that is that is like money from YouTube my full time paycheck roll over all that stuff combined and this did not shut very well it's kind of skipping a little bit for some reason okay and then we will list out our bills so I think of bills as anything with a due date and the really nice part about putting in these bill do stickers into the monthly view is I can look at okay we're looking at you know the week of the 19th through the 25th so I can very very easily see that we've got one two three four bills that we're gonna be paying for this week right and see Great Lakes banner t-mobile HOA oh and I forgot to put ApS down here so we'll do a ps2 I need to make sure to put a bill do you sticker in there so we've got five bills that we're gonna be paying for out of paycheck three or week three so let's see here's one of these bills scrip stickers and I feel like this is a little bit crooked okay it's a little bit better I think nope still crooked this kind of stuff drives me nuts so I apologize but I have to fix it okay all right so the bills that we are going to be paying for and maybe I'll use a thing about using these little asterisks but maybe I won't that I think that's gonna look too crowded so I'll just list amount under here so we've got great leaks maybe I'll just do a little faster cut my own we've got banner life and then we have t-mobile and our HOA dues and then we've got ApS so again I think of bills as anything with a due date for Great Lakes we've got two 57:24 banner life is going to be twenty to twenty-two t-mobile is 120 HOA is 104 and ApS is going to be 170 for 52 okay and then we're gonna put our expenses down I've gotten a lot of inspiration for the look of this from Cindy Lila Troost um she's a fellow youtuber on here and I love her style it's very very like simple which I like I've been trying to go for like a very clean look when it comes to this particular page of my budget and I really like what she what she's been doing so I think I'm gonna try to do something similar okay so expenses expenses are like anything that I consider to be living expenses so we've got some cash that we're taking out so we got food which I'm going to put a little C next to because I know it's cash we have hair nails again put a little C next to that and we've got household we have our miscellaneous cash then I've got Maddy's Commission money we'll see and then we've got our grocery pick up pick up which is debit and our gasoline for our vehicles which is also debit and for food we're gonna do for 400 what am I thinking no no no 300 and again we're gonna try to spend as little of that as possible and see if we can throw that into savings which would be really nice so household it's gonna be 40 miscellaneous is 20 as you can see I didn't put my pocket money in here cuz if you watch my video from yesterday I have spent all my pocket money so I tried to not do that but you know just sort of happened and then we've got from for grocery pick up we have 87 25 remaining so we'll put 87 25 for the last half of July and then gasoline will be 150 and that should get us through until the first paycheck of August so there is that and then the last thing that we're gonna track is going to be our roll over and for that I'm gonna use one of these little piggy banks cuz they're super super cute and trust me I wish there was a rollover script sticker because I'm honestly not a huge fan of my writing but I'll do a little piggy and then I'll put roll over and our expected roll over we will get by subtracting all this from our total income for this week okay so the total that we will be rolling over into the next week is going to be one thousand six hundred ninety five dollars and two cents so one thousand six hundred ninety five dollars and two cents and that will go towards paying some of the pay check for bills and then obviously at the end of paycheck for like week four we will be able to figure out exactly what's going into savings and all that kind of stuff depending on like what's in our account and everything so now I'm just gonna put a little thin washy at the bottom just for some decoration and that is paycheck three so what I plan to do is I'm going to put the actual amount next to each one if honestly if I need to like these amounts really do not vary at all like the only things that should bury it probably is like these just in case we like go over or under or something like that but I want to do what Cindy does too and put a little check mark up here because then as we go through the week we can like check off you know one something's been paid and when I take the cash out and everything like that and I can tell you already that I actually didn't take the cash out for these and see what I plan to do is do like 300 and then 60 and 40 and 20 and 10 I took out all the cash today so I could fill my cash envelope video for you guys so that's what I'm planning to do I'm not gonna label this like budget actual and everything like that I'm just going to put like if I go over I'll put this in red and then if I am under maybe I'll use like a green pen or something like that if I'm under so I think that'll look nice and clean that's really what I'm going for here so but I think that's it for paycheck threes budget and I'm gonna have a little bit of a different layout for August I'm what I'm planning to do is to create like a second weekly check-in page for cash envelopes only so I'm gonna have kind of like a weekly Wesley a weekly check-in page for like debit items and then sort of the same exact thing for cash envelopes and I'm gonna just love all my spending truckers like together versus having them right next to each paycheck and I think that will work out really well so I'm planning to kind of switch things up a little bit moving forward but yeah guys I think that is it for this video so I hope you enjoyed it if you did please give it a thumbs up be sure to subscribe to catch all my future videos if you have any questions comments at all let me know down below and then as always I've got everything linked in the description box for the planner that I use the stickers I use all that is linked down below so definitely check that out if you're interested and I will chat with y'all later bye

Cash Envelope Stuffing // July Paycheck #2 // Bills, Savings, and Sinking Funds

**Cash Envelope Stuffing // July Paycheck #2 // Bills, Savings, and Sinking Funds**



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Happy Friday, Happy Payday, and Happy Cash Envelope Stuffing Day, y’all! I am so excited to be stuffing my cash envelopes today and adding some money …

Paycheck Two Budget Check In & Cash Envelopes | July 2019 |

**Paycheck Two Budget Check In & Cash Envelopes | July 2019 |**



Views:3017

Rating:4.90

View Time:21:32Minutes

Likes:101

Dislikes:2

Hey friends!

In today’s video, I am checking in with our Paycheck Two budget & cash envelopes for July 2019.

I hope you enjoy! Thanks so much for watching!

Xoxo,
Stephanie Anne

CONNECT WITH ME:
Instagram: @stephanie_anne_1210
Email (Business Inquiries Only Please): [email protected]

ERIN CONDREN $10 OFF COUPON:
To receive a $10 off coupon from Erin Condren, sign up for an EC account here (the coupon will be emailed to you):

ERIN CONDREN PRODUCTS:
Lifeplanner –
Deluxe Monthly Planner –
Planner Tote –
Planner Folio –
Daily Petite Planner –
Meal Planning Petite Planner –
Monthly Petite Planner –
Journals –
Sticker Books –
Budget Stickers –
Mini Snap In Bookmarks –
Snap In Sticky Notes –
Planny Pack –
Writing Tools –
All Stickers –
All Accessories –
Erin Condren Website –

PLANNER KATE:
Planner Kate’s Etsy Shop: www.plannerkate.com
20% Off Code: HAPPYPLACE20

SARA MARIE STICKERS:
Sara Marie’s Etsy Shop:

FILMING EQUIPMENT
– Tripod –
– Lighting –
– Microphone –

MISC BUDGETING & PLANNING PRODUCT RECOMMENDATIONS:
– Pilot G2 Pen –
– Vera Bradley Deluxe All Together Crossbody –
– Savvycents Wallet –
– Dave Ramsey’s Total Money Makeover book –
– Financial Peace University –
– Fossil Fiona Tab Clutch Wallet –
– Cash Dividers & Labels from A Time for Everything on Etsy –
– Sticker Paper for Sticker Storage Album –
– Filofax Saffiano Compact Zip Organizer –
– Cash Envelopes from Mama’s Gotta Budget on Etsy –
– Cash Breakdown Cards –
– Slice Cutter –
– Frixion .7 Erasable Pen –
– Filofax Personal Organizer –

EVERYDOLLAR:
www.everydollar.com

DISCLAIMER:
I am NOT a financial expert. I am not qualified or certified to give financial advice. All of the advice I provide is based off of my own personal experience. If you are seeking financial advice, I would recommend getting in touch with a professional.

Some links listed above may be affiliate links. Using the links does not cost anything extra for you, and it helps support my channel so I can continue to grow and improve my channel. Your support is appreciated!

Music Credit:
iMovie Audio Library & YouTube Audio Library
hey guys welcome back to my channel today we are here to check in for the second week of July I always always always forget what week it is for some reason so in front of me I've got my Erin Condren deluxe monthly planner slash life planner I did combine the two books that might be changing in the very near future a couple things may be changing so just stay tuned for that I will explain more pretty soon but for those of you that are in the planner cake group on Facebook some of you know already what is gonna be changing but anyways so let's go ahead and get started I'm going to open up to our budget and I will assume you guys in okay so we are looking at the week of the 12th through the 18th and we've had a couple things happen that I did forget to put on here so one of those is we went or I went to Duncan today to get a cold brew and that was for 336 so I want to be sure to add that on there my husband went to Duncan yesterday and they were out of cold brew and they used like a dark roast it was not good so I didn't get my fix from that the other thing is that State Farm did come out and that was for 3870 so that was paid and then Wells Fargo hasn't come out yet but I know it's going to and I know it's the exact amount of what it is so that's totally fine so let's see here we will start out by just checking in here and seeing where we're at I'm gonna find one of my friction friction pens these are the erasable pens that I've been using I do have them linked down below I love them there some so let's take a look here so we are going to look at grocery pickup as well as gasoline for our vehicles and the Dunkin app pretty much anything that is considered like a debit type of expense is trapped here and the Dunkin app I like to track just mainly like I can go to the app at any point in time and see how much I have left but I like to track it here because it helps me notice like trends or if I'm overspending I'm able to quickly see at a glance like if there's too much pink going on like there has been for this past week so okay so the first thing we're looking at is grocery pickup and I know we went this past Saturday and it was for 88 82 so 88 82 and last week we had 170 607 remaining which leaves us with 87 25 for the remainder of July so we're gonna have to keep it up 50 dollars or less for the remainder of July so we have two more weeks to get through and this is why I love this page so much because I can see sort of what the rest of the monk what the rest of the month needs to look like as far as like our spending and stuff is concerned to stay on track so for cash I know we had one transaction we filled up the journey now it's 450 75 5075 and last week we had 205 at 63 remaining so that leaves us with 154 88 which is basically like three Phillips for our cars so that should be good we should be fine on gas for the rest of the month Duncan we had quite a few transactions so let's see so 905 that was my daughter and I was like usual stop on our way to grocery picked up we pretty much always stop at Duncan and we get like munchkins she gets an extra doughnut and then I do my cold brew I've been picking up coffees from my husband as well so I'm considering increasing Duncan just a little bit just so that I can treat him more because he likes those as well and then the 1194 I went shopping with my friend Kelsey and we stopped and got drinks and don't hats on the way there so we got those two tracked and then 873 I had my husband run out and get coffee but again it was like this dark gross like iced coffee to me tastes totally different than cold brew and I'm much much prefer cold brew I don't know if that's just me or what but and I don't like I'm not a super like coffee like I don't know anything about coffee there's people that will be like you know they know like different coffee beans and things like that like what like different brewing process seeds or processes or whatever how that affects your coffee I am NOT one of those people I am not with it there but so yeah we spent a lot on Duncan this past week 3308 and I did put more on the card for us in the month so you guys will see that too but let's see it was a we had 2120 it was 21 20 – 30 308 so we were at a negative 11 88 so not good not good for Duncan and did I do my math correctly they're like yeah let me just double-check this real quick 9 5 plus 3 36 plus 873 Plus 1194 yeah 3308 so yeah I'm not good not good but I did put some extra on there like I said just to kind of make up for that difference and I also so normally I put the $25.00 on on the first of the month I did it early to get certain the rest of the the rest of the month so that transactions actually actually already taken place and I might as well just go ahead and put that in here cuz it was I did $40 so that looks really bold but ok and then unbudgeted let's see this is gonna bother me so maybe I will use a different pen because I think this is just a little too too much not to erase very well oh now my pen won't write on top of it okay I might just need to use a different sticker I'll take care of that later so I'm budgeted we did have one transaction and that was for the 80 146 this was for some ups drama that went down and I've talked about it briefly in other videos but essentially I sold a couple things and shift them out to people and they paid me for for them and then ups just totally lost the packages so I basically gave the money back to those individuals it's unbudgeted because the money that I had brought in from selling those items I already used so it had already like left our account so that 81 46 is considered an unbudgeted item which really stinks but and what stinks more is that UPS is just like not even taking any responsibility whatsoever for it they just keep insisting like we would never do that basically what happened is my husband took three boxes two EPs two of the boxes have labels on them clearly stating that they were going to a residence they were just totally separate and then he in the third box there was a bunch of items being sent to Amazon for returns so ups scanned the Amazon returns and instead of just putting the labels like in the Amazon box and shifting that one box Amazon they slapped Amazon return labels on all three boxes even though two of the boxes clearly had labels on them that said that they were going elsewhere they are insisting that they would never do that but it is the only thing that I can think of that they would have done that would have like caused all this like ruckus and my husband did say they were like rushing him out of there they were super busy so yeah and the tracking numbers that I was given for the other two packages that were going to someone's house the tracking numbers said they were going to Las Vegas where the Amazon returns like hub is so I'm like clearly you guys did slap the Amazon return labels on these packages but again they are like just refusing to do anything about it so I think they should at least like we like they should give us like money back or something I don't know but they just kept telling us to wait wait wait and this was on the 19th of June and the two people I sent those packages to still have not received anything so I just sent them their money back and apologized profusely because I just I've never had that happen and I will never go to UPS again ever I will not go there ever again our post office is pretty great thankfully I know that's not the case for some people their post office isn't very good but ours is is good so so I'll probably just go there from now on if I send anything else like that in the mail so okay so that takes care of our weekly check-in here and gives us a good idea of where we're at currently with everything so make sure I checked everything oh and I did so the next thing we'll do is we will take a look at our sinking funds nothing has happened there we haven't spent any of our sinking funds and this is why I love having our sinking funds in cash because I know if this money was in like our account I would feel like I don't know I it's like a mental thing for me if I see a big sum of money in our checking account it's more tempting to me to spend that on things and like make up for it later type a deal but that just like snowballs and creates like a really stressful situation so using the cash and putting it and like our little sinking funds like Filofax when we have envelopes for each sinking fund it seriously helps because it's out of sight out of mind it's in our safe it stowed away and as you can see like we haven't done anything with our sinking funds that cash has just been sitting there as it should be because we haven't needed it and I know like I would say for example family fun oh why don't we just go do this and you know we'll just go in the negative and then I'll make up for it next month whatever like that just gets us into trouble so yeah it's been working really well for us and then if we open up to paycheck – I did have a couple transactions here that I forgot to highlight but I did track so we had that and then we also had I don't remember which blue I used maybe it was this blue yeah so there's that so now we're just gonna check our cash envelopes and I have a different way of how I'm gonna be Chuck like tracking this in the future and you guys will see that pretty soon for August but for now we'll do it the way that I've got it laid out so here's my paycheck to budget and what we're gonna do is we are going to go through and put in everything that's come out so Centrelink to come out apple music came out State Farm came out I'm gonna put Wells Fargo even though it hasn't come out of our account I did check and they did process the payment for this amount it just hasn't reflected in our account yet so I'm just gonna put that and then we did set aside the 590 84 for mortgage so that was exactly as expected our sinking funds were as expected and then for unbudgeted we have that 80 1:46 81 46 so let's see so 495 + 81 46 so our actual spending was 576 46 and we were over by 81 46 and then this would just be the 81 46 so as far as our roll over it's concerned 350 27 minus 81 46 we're actually rolling over to 68 81 and that was the 81 46 less than what we expected so that's kind of how that is going to be working moving forward I don't know if I'm going to do the tables again I do really wish someone had mentioned that if planner Kate sold like budget and actual stickers and rolled over stickers and saving stickers like I should pick them up she does not sell those currently but I really wish she did because that would be really nice so as far as our cash envelopes are concerned so the the problem that I've been running into is like remembering where I left off with our cash envelopes so again I've got like a plan to kind of remedy that moving forward but what we're gonna do is we are going to yeah see I don't even remember so let's see what's the best way to do this so this is everything that has come out I might just have to like refer to this which kind of stinks but I think that's what we're gonna have to do so I'm just gonna calculate this real quick so we'll do 300 what's the amount that we budgeted for food so I'm going to take 300 and subtract all of the blues and I'll go ahead and highlight the blue here just so it's easier to spot and then I'll let you guys know we should have zero because there's nothing left yeah so here you go as you can see we have 10 cents remaining in food and sure enough in our little wallet here there is nothing in the food envelope I am gonna be stuffing our envelopes this week so you guys will see that video in a couple days so we're about to replenish everything which is good but we should actually be good on food my husband and I were literally just talking about it and we still have quite a bit of food in our freezers and fridge so I think we're gonna really try to refrain from using our food money as much as possible and see if we can put that towards savings this month that would be really cool so okay so the next thing I'm going to look at is let's see we got miscellaneous and miscellaneous I haven't I'll do yellow for miscellaneous and that and then pocket money isn't pink pocket money yeah household was green and then I'll do purple for Maddy and hair nails I will do this like red color okay just do some color coding real quick so let's go ahead and do the household neck so we spent 217 last week and then we spent 27 20 the suik for a total of 29 37 and we budgeted 40 so we should have 1063 left and let's check our on the loop and sure enough we have ten dollars in there perfect all right cool so that takes care of that and then we'll do the pocket money next now I know I used money in our checking account to get a new Bible so I have no pocket money left for the rest of month like I won't be putting any pocket money into my envelope this week let's see so 3005 Plus 459 owned this was last week this week I did a Bible study program and $5 at Trader Joe's so it was 78 94 so technically I have like a dollar and six cents left because I give myself a tea for them like whole month I took out 40 last week and then I was supposed to take out another 40 this week I just I'm not gonna take out any cash my pocket money is officially gone which stinks I normally don't like to do that but I wanted to just really get started on this Bible study program so okay so pocket money is empty and then miscellaneous I gave us $20 for the first half of July and as you can see just with some simple math we spent twenty eighty four I don't even need to calculate that so there should be nothing in the miscellaneous envelope and there is not so that one's good Heron nails I did sixty ended up being even sixty I did a pedicure for both my daughter and I plus tip so and I actually I'm gonna be putting hair and nails like I'm combining pair of nails and beauty moving forward so any hair nails money I take out it's actually just gonna go into our Beauty sinking fund I feel like that's easier to do rather than have a separate envelope here so but that one is gone and then Maddie she made two dollars in commissions so she should have eight dollars remaining here one two three four five six seven we're short a dollar that's really no big deal I'm sure maybe maybe she did something with my husband and earned a dollar so we're short a dollar but there should be eight in there and there's only seven so we'll figure that out but that is the cash envelopes they are looking really good and then like I said we're gonna be filling them back up for the last half of July you guys will see that video on Saturday tomorrow you'll see our paycheck 3 budget so you'll see you know what we've got planned for this upcoming week I'm really excited about July it's turning out to be a really good month for us despite some you know unbudgeted expenses and things I feel like we're still really on track and doing well so I'm pretty happy about that but that is it for this week's check-in if you guys enjoyed this video please give it a thumbs up be sure to subscribe to catch all my future videos and if you have any questions or comments at all let me know in the comment section down below everything that I use for budgeting stickers my planner everything is always linked in the description box below for you guys so definitely check out those links if you're interested in picking up anything for yourself and I will chat with y'all later bye

DEBT SNOWBALL UPDATE | DEBT CONFESSION | THREE CREDIT CARDS PAID OFF | DAVE RAMSEY INSPIRED

**DEBT SNOWBALL UPDATE | DEBT CONFESSION | THREE CREDIT CARDS PAID OFF | DAVE RAMSEY INSPIRED**



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Hello Friends! My name is Mary Lou and I am a 37 year old mom of two children, one angel baby, and a doggie, and a wife, a sister, a friend, and we live in North …