Budgeting for Beginners Cash Envelope System | BI-WEEKLY PAY | Budgeting 101 | Plan Budget Save

Budgeting for Beginners Cash Envelope System | BI-WEEKLY PAY | Budgeting 101 | Plan Budget Save
Hi Friends,
My name is Delia Mireya.I live in Arizona.🌵 .I started budgeting in 2021. It has worked so well, i was able to save money. I want to share with you all how i did it, come join me on my budgeting journey and becoming debt free.
✩ Disclaimer: I am not a financial or business advisor. All advise and experiences on this channel are my experiences and are shared purely for entertainment purposes. ✩
☆ Follow Along ☆
00:00 Intro
00:40 Importance of Budgeting
03:10 Gather all income expenses
06:25 Adding all your income
11:00 Adding total expenses
13:05 What is your Balance for expeses
21:00 what is variable expenses
21:30 adding all Income and expenses
22:00 Importance of maintaining a balanced budget
Other places to find me...
Facebook: @siempremireya
Instagram:@siempremireya

Пікірлер: 290

  • @Non_Of_U_business
    @Non_Of_U_business Жыл бұрын

    Rule number 1, pay yourself first. Start at 10% from each check. In your example of each check at $1200 each should be $120 saved FIRST. Even before you pay bills. Otherwise you will never have savings or an emergency fund. Most Americans pay bills first and only add to savings last. Millionaire's swear by it and would be able to build wealth of they didn't pay themselves. In your example you should cancel things like Christmas, giving, and no going out to eat. Great video!

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Hello Blair I been working on this I no longer save for Christmas or eating out 😃👍

  • @crystalruoff5818

    @crystalruoff5818

    Жыл бұрын

    I struggle with this, pay yourself first...

  • @Non_Of_U_business

    @Non_Of_U_business

    Жыл бұрын

    ​@@planbudgetsave .....How To Pay Yourself First : Rich Dad, Poor Dad by Robert T. Kiyosaki....kzread.info/dash/bejne/dWV3lKizZZiTl5M.html

  • @Non_Of_U_business

    @Non_Of_U_business

    Жыл бұрын

    @@crystalruoff5818 ... .....How To Pay Yourself First : Rich Dad, Poor Dad by Robert T. Kiyosaki....kzread.info/dash/bejne/dWV3lKizZZiTl5M.html

  • @ChristaForLifeTechLady86

    @ChristaForLifeTechLady86

    Жыл бұрын

    How can you grow a savings if you can't fully cover your bills 1st?

  • @wayneholland
    @wayneholland10 ай бұрын

    Thank you so much for this. I’ve a very low income so I pay myself 10% 1st and the rest going on everything else and now I’m left with money each month

  • @planbudgetsave

    @planbudgetsave

    10 ай бұрын

    That’s a great idea! Good job

  • @SAI_ke
    @SAI_ke Жыл бұрын

    Wish someone told me this in the last 6yrs, right now i would be singing a different song. Am still grateful that i landed on your channel while looking for something to help me gain financial freedom. Am in bad shape. Well, i also know it's never late to start ❤

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    It’s never too late. I was struggling so bad. Things are getting better by Gods Grace Budgeting might be the call to get started! 🙂

  • @Lifewithmrsvee
    @Lifewithmrsvee2 жыл бұрын

    I love your penmanship!I started with a notebook and pen but later purchased the cute binder and envelopes to keep me motivated. Because like you said it is CHALLENGING.Thanks for sharing this info

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    We need to keep that motivation to save and budget our income, thank you for watching. 😀

  • @SWEET1ON1

    @SWEET1ON1

    2 жыл бұрын

    I’m just the opposite. I’ve tried using a planner but I always end up using pen and paper, or I use certain free printables

  • @hertytamakloe6833

    @hertytamakloe6833

    Жыл бұрын

    Oooo

  • @sharonturner9466

    @sharonturner9466

    Жыл бұрын

    @@planbudgetsave hello. Where can I get a pen like you're using? TIA

  • @MzLady-rr8gj
    @MzLady-rr8gj2 жыл бұрын

    Finally a simple and easy budgeting video that I can do and relate to. 💚🙏🏿❤️🤗

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Glad it was helpful!

  • @jkane3048
    @jkane3048 Жыл бұрын

    I love this budgeting video ! One of the cleanest and easy I've ever seen to help someone get on the right track financially , thank you so much for sharing!!!!

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    I appreciate it so much, I’m glad it helped. 😃 Your feedback helps me know I did well. Similar video with cash stuffing coming soon 🙂

  • @aurorasanchez7922
    @aurorasanchez79222 жыл бұрын

    Yes! To put the expenses by due date is easy regard when the paycheck is that way you know if you have to roll over money for the next period to complete the next bill.

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    You got this!!🤗

  • @nickieordiway5375
    @nickieordiway53752 жыл бұрын

    thank you so much for this video! Directly after watching this i made this spreadsheet for myself , super easy to see how much money you have coming in vs going out! love this more than i can express thank you again !!

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Nickie , you made me happy. So glad it helps

  • @johannacl120
    @johannacl1202 жыл бұрын

    I had watched other videos before and it was overwhelming and I was very confused but now its so easy thank’s to you I will try it

  • @napalm.bopper
    @napalm.bopper Жыл бұрын

    This is a good beginner budget video! This is how I have done it more or less for the past several years and it has served me well. I just learned about cash stuffing and I'm excited to try it this year. I'm currently reworking my budget to prep. Cheers! May we all have a prosperous new year.🤑

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Prosperous Year , here we come!! Cheers

  • @deonmara1761
    @deonmara17612 жыл бұрын

    This really help me to understand budgeting more. I know I’m not a cash person so I personally use qube money and another bank. I’m glad I watched this I’m going to adjust my budgeting style to fit this into it.

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Hello Deon. I’m glad it helped 😀

  • @RadioScars
    @RadioScars2 жыл бұрын

    Thanks so much! I am 18 and I am buying my first car and starting to pay rent and bills! So this is so helpful for me! Especially since it is very hard for me to process things in my head thank you!

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Glad it was helpful!

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Good luck with everything. Dont get into debt its no fun.

  • @katherinestahl7641
    @katherinestahl76412 жыл бұрын

    This was so simple and easy to understand! Thank you!! Also your voice is so relaxing and helped me not stress as much while I’m thinking about money haha

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    I appreciate it so much, if we could forget about our finances without worring about paying bills forever would be awesome. I’m so glad my video helped for a while. Have a great blessed day

  • @cschaubhut
    @cschaubhut Жыл бұрын

    I’ve watched so many budget videos and this one made so much sense. thank you for sharing!

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Thank you that means lots! Glad it helped

  • @0773heidi
    @0773heidi Жыл бұрын

    Budgeting is so hard when you’re on a low income very thing has gone up so much it’s not easy these days x

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    It’s getting harder. Glad gas has gone done a bit.

  • @0773heidi

    @0773heidi

    Жыл бұрын

    @@planbudgetsave I haven’t had my gas on since March not needed it in the uk trying to cut down x

  • @tlo867
    @tlo8672 жыл бұрын

    Thank you! I am happy to see how others budget. Finally a budgeter from AZ. I have APS as well and am not looking forward to my summer bill. 🙂

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Summer is coming, I like the summer at times. The other day it got hot I thought I can’t wait till winter. 😆 I don’t even want to think of my Bill getting so high in the summer

  • @laquishaking9886
    @laquishaking9886 Жыл бұрын

    This was just what I needed because I have all the stuff and then I was like now what? lol this helped a loooot😍 thanks for doing this because I was banging my head on the wall.

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Aahhh I know hire it feels to be in that situation. Thank you for watching😃😄

  • @Lifewithmrsvee
    @Lifewithmrsvee2 жыл бұрын

    New supporter here from budgeting community to support you on your journey.

  • @johannacl120
    @johannacl1202 жыл бұрын

    Thank for your teaching. You’ve made it so easy. I understood everything

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Glad it was helpful!

  • @Pamcatmom
    @Pamcatmom5 ай бұрын

    I’ve been watching so many videos about budgeting and getting so overwhelmed. Thank you for this video. It’s the first time I feel like I can do this.

  • @planbudgetsave

    @planbudgetsave

    5 ай бұрын

    You can do this!!! 😉

  • @elizabethdruee
    @elizabethdruee Жыл бұрын

    this is literally the most helpful video ive found on budgeting!! thank you!!

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Glad it was helpful! 😃😀❤️

  • @elizabethbeene3373
    @elizabethbeene33732 жыл бұрын

    Iam so glad I found you. You explained it the way I coul understand it thank you so much

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    I’m so glad you were able to understand it, I want to do anther video to explain a few more pointers I forgot to mention. 😀😃

  • @FCT8306onTwoWheels
    @FCT8306onTwoWheels Жыл бұрын

    Great video :) this is way more clearer to follow than the archaic way that Ive been doing it on the computer Word Pad just typing it out in sentences and numbers line by line.

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Visual and writing form is what I like to do Glad this helped!! 😃

  • @TheChristianBudgeter
    @TheChristianBudgeter2 жыл бұрын

    I love budget videos! New subbie! Those nails are beautiful! Thanks for sharing! Be blessed!

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    I also love budgeting videos, i’ve been on this journey for a while and decided to move forward and share my videos as well. Thank you so much for watching. May God bless 🙏🏻you, I hope to keep seeing you in my videos😀

  • @siennah1522
    @siennah15222 жыл бұрын

    Thank you so much for this video, it was incredibly helpful!! Definitely checking out more of your videos ((:

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Thank you sienna 😃

  • @thlp6872
    @thlp6872 Жыл бұрын

    Thank you for this video. Please keep them coming.

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    😄😊 thank you

  • @LA-ly1nt
    @LA-ly1nt2 жыл бұрын

    I'm your 888th subscriber. Thank you for this video! 😘

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Yeih 🎉 thank you

  • @aurorasanchez7922
    @aurorasanchez7922 Жыл бұрын

    Nice and. Clear budget but the best is made with pen and pencil and alot of creativity and love 🌠

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    You’re the sweetest😍

  • @robinlane3132
    @robinlane313210 ай бұрын

    Best beginner video ever. Thank you so much.

  • @planbudgetsave

    @planbudgetsave

    10 ай бұрын

    Aaahhh thank you, so glad this helped

  • @SweetSunflowers
    @SweetSunflowers2 жыл бұрын

    Super helpful video! Thank you so much 💕

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Thank you

  • @vennitahensley4841
    @vennitahensley4841 Жыл бұрын

    Absolutely enjoyed this video. And understood how you did this. Following you now

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    😘 thank you

  • @virgoblack3812
    @virgoblack38122 жыл бұрын

    Thank you so much, this way makes it easier for me to get started.

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    You are so welcome!

  • @tanjawomack9073

    @tanjawomack9073

    2 жыл бұрын

    I agree, this is such an easy and great way to budget.

  • @budgetwithjosie
    @budgetwithjosie2 жыл бұрын

    Welcome to the budget community! 😊❤️

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Thank you!! 😊

  • @Sheisnouvelle
    @Sheisnouvelle Жыл бұрын

    You did an excellent job!!

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Thank you 😀

  • @budgetwithlena
    @budgetwithlena Жыл бұрын

    Great video!! I’m now starting to get paid bi weekly and this video helped a lot!

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    You got this! Glad it helped

  • @realvesselgem6527
    @realvesselgem6527 Жыл бұрын

    This is the best one I’ve seen

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    😃

  • @sharlenescott356
    @sharlenescott3562 жыл бұрын

    😁😁😁💜💜💜 Thank u. I was having hard doing my budget. An u really open my eyes. I still a Lil help did u ever think about doing a budget picking a random 🤔 person??? Thank u so much

  • @itsYumiBabyyy
    @itsYumiBabyyy Жыл бұрын

    Expenses* This video is very helpful. Thank you for sharing 🙂

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Thank you for watching Glad it helped 😀

  • @LittleHelpfulFiles
    @LittleHelpfulFiles2 жыл бұрын

    Your writing is so pretty!! Awesome video, so happy to be following your journey

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Thank you so much, I’m in debt having shared that part but I’ll probably do a video soon. I really want to be debt free, I pray 🙏🏻 to Our father we have be debt free some day

  • @LittleHelpfulFiles

    @LittleHelpfulFiles

    2 жыл бұрын

    @@planbudgetsave you are on the right track girl that is a great start, cheering you on 👏🏼 God bless you!!

  • @budgetrebelgoals
    @budgetrebelgoals Жыл бұрын

    love this set up

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Thank you my friend

  • @c.parker8439
    @c.parker8439 Жыл бұрын

    Wonderful and informative budgeting video! Good luck

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Thank you 😀

  • @qq1651
    @qq1651 Жыл бұрын

    Good for you for prioritizing well and cutting out AMZ and other non essential things. I find it a bit confusing why you wouldnt just go through and pay or put 1/2 of each one in your envelopes. It would be so much easier, and less likely that you will choose to NOT put it in one week or another. You have no money at all allocated to spending. You have to allow yourself a little fun money or you will not make it. Its like dieting; if you cut out an entire food group, you will eventually binge on that food group due to feeling deprived.

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    You have made such a great point! Fun is needed or else you feel overworked just paying 💸 bills, thank you for your advice I appreciate it. 😃👍

  • @user-jl3kj5il8s
    @user-jl3kj5il8s2 жыл бұрын

    Thanks so much for this ❤️

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Thank you for watching. I’m hoping it will help with your budgeting 😊

  • @vt-yp7yq
    @vt-yp7yq2 жыл бұрын

    Thank you! I found your system easy and less stressful.

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    I’m glad 🙂 it helped

  • @cindyball6998
    @cindyball6998 Жыл бұрын

    This was the best explanation ever.

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Thank you 😀

  • @everythingelle6450
    @everythingelle64502 жыл бұрын

    This was very helpful! Cause I need to know where all my money goes

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Every penny we spend needs to be tracked, I would spend here and there and money would vanish. Good luck with it.😀

  • @charlottehetherington8720
    @charlottehetherington87208 ай бұрын

    Very helpful beginning

  • @planbudgetsave

    @planbudgetsave

    8 ай бұрын

    Thank you 😉

  • @Hamoluv777
    @Hamoluv777 Жыл бұрын

    Thank you so much for this video and for explaining in detail of every step. It's simple and easy to follow. Will definitely be using this.

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Glad it helped 😃😁

  • @jessicatexasjh
    @jessicatexasjh2 жыл бұрын

    Great explanation on budgeting. I

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Thank you Jessica 😉

  • @tifferz777
    @tifferz777 Жыл бұрын

    Love the video Thank you for making and sharing 💜

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Thank you for watching and commenting 😃

  • @tifferz777

    @tifferz777

    Жыл бұрын

    @@planbudgetsave of course, it was very helpful My first ever Budgeting I watched and understood lol I just made list of all of my expenses after dinner Next I got to get a budget binder and cash envelopes

  • @crystalscashgoals
    @crystalscashgoals Жыл бұрын

    WOW. 53,0000 VIEWS AND YOU HAVE LITTLE OVER 1,900 SUBSCRIBERS. AWESOME JOB!!!!!

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    😀

  • @mil8903
    @mil89032 жыл бұрын

    Great Job

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Thank you 😀🌹

  • @vickiewilkins1579
    @vickiewilkins15792 жыл бұрын

    I would suggest you create a house account for your fixed expenses. Put your utilities on a budget plan and automate as many bills as you can.

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    😃

  • @tamaraharrison8776
    @tamaraharrison8776 Жыл бұрын

    Thank you sista!

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Thank you😃

  • @PrincessBella22
    @PrincessBella2210 ай бұрын

    Wow your handwriting is beautiful!!!!

  • @planbudgetsave

    @planbudgetsave

    10 ай бұрын

    Aahhh you’re too sweet 😘

  • @yvettehernandez369
    @yvettehernandez3692 жыл бұрын

    Thank you

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Thank you for watching

  • @scappel92
    @scappel9210 ай бұрын

    Thanks!

  • @planbudgetsave

    @planbudgetsave

    10 ай бұрын

    Thanks to you for watching 😉

  • @calliew311
    @calliew311 Жыл бұрын

    Do you make another line for small trips or vacation? For example, my husband flies home every thanksgiving. And we usually drive to a MLB baseball game (SF Giants) at least one time a year, and that's tickets and hotel. So do you estimate what those costs are, then make a line and save for them? And what about splurges? Do you just not ever buy anything that you want? Say your favorite foundation is on sale from 55 to 30 and you're almost out. Where does that money come from? And my husband gets paid per week, so dividing up my bills will be difficult. Like do I just divide bills into 2? Like my power is about 160 too, but taking 40 per week seems complicated, so maybe take 80 for two weeks? I could see doing the rent divided by 4, but some small bills would be too much work to divide by 4.

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Hello, I could suggest saving another row for extra vacation/baseball game. For example foundation… all those extra things I am on a strict budget where I don’t spend a penny on myself., but that has changed a bit I’m working another job and Can afford it now. I’m taking money and putting it aside to personal. About your power example it is high but you have to make your budget what works for you. For example taking $80 for 2 weeks if it’s do able Just don’t stay with out money when you budget. Make your income have a place to go, assign all your money a place. Good luck Thank you for watching

  • @user-nu8ny2ok6x
    @user-nu8ny2ok6x Жыл бұрын

    I like this video❤

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    🥳 makes me happy that you liked it 👍

  • @kellyheitmann5257
    @kellyheitmann5257 Жыл бұрын

    Fixed means each month is the same $$, variable changes. It doesn't matter what it is. I keep hearing variable being things you don't need to necessarily spend money on. That's not variable. That's optional. Basic living expenses are rent, food, utilities, for example.

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    True, True I’ve made changes to mine budget because of cost of living and prioritize the Must paid bills

  • @randaray24
    @randaray24 Жыл бұрын

    You have such a soothing voice

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Thank you 😊

  • @mil8903
    @mil89032 жыл бұрын

    New subscriber 🎉💕

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Thank you 😘

  • @juliegarthwaiteclark168
    @juliegarthwaiteclark168 Жыл бұрын

    thanks

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    😀

  • @FutureGrowAcademy
    @FutureGrowAcademy2 ай бұрын

    ❤ Awesome Video as always! Tips For Creating An Effective Budget- 1. Know The Purpose Of Your Budgeting 2. Make an Irregular Expense Plan 3. Know Your Income 4. Determine Your Monthly Spending 5. Set Reasonable Goals 6. Track Your Spending 7. Try Out Different Budgeting Plans 8. Create An Emergency Fund 👉 Stay connected & keep up the great work.

  • @planbudgetsave

    @planbudgetsave

    Ай бұрын

    Great advice and list!! Thank you

  • @FutureGrowAcademy

    @FutureGrowAcademy

    Ай бұрын

    @@planbudgetsave You are welcome. Stay connected.

  • @PRXChge
    @PRXChge Жыл бұрын

    Love this video.. straight to the point and done... 1,2,3.. Thank you for not complicating this for me.. unlike the other videos with all these long nails and unnecessary envelopes that they don't need.. thanks again..

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    😁😆 you made me laugh, thank you for coming to my channel.

  • @shannonolszewski5173
    @shannonolszewski5173 Жыл бұрын

    Love you penmanship. I wish mine was just legible lol😂😂😂

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    You’re too sweet Half the time I don’t like my writing 😊

  • @elsienamckinley
    @elsienamckinley10 ай бұрын

    Hello! I love the Video. My question is after watching this on and your Sinking funds video were do you get the money to put into the sinking funds categories because I didn’t see it in the budget plan. Sorry if this is a crazy question.

  • @planbudgetsave

    @planbudgetsave

    10 ай бұрын

    In this video we were living on one income, bi-weekly pay I split that most be paid with both checks. I take money from the bank to pay for bills and sinking funds I use the cash method Thank you for watching

  • @adrianamont5329
    @adrianamont5329 Жыл бұрын

    I love this video! But what if my paycheck is bi-weekly and also changes all the time depending on the week. 😓

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Budget for priority Bills. What are bills that must be paid?

  • @mil8903
    @mil89032 жыл бұрын

    💕💕💕💕

  • @msbossvlog1528
    @msbossvlog1528 Жыл бұрын

    Thank you so much . I am Canadian , I plan to try the $5 dollar challenge Question where do you get the little envelopes. Please and thanks

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Some envelopes I made myself Some Can be printed on a printer for free. 😊

  • @41yearoldnewdriver
    @41yearoldnewdriver2 жыл бұрын

    I need help with money management. I am trying to spend less. I save $200 a month because I quit smoking. I have been a non-smoker for almost eight years. I save money because I don't buy cigarettes anymore. I am a non-smoker and don't want to waste money on cigarettes or cigars. I save money but prices went up for things I used to be able to budget for. Great video on money mgt!

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Good for you, 🥳 thank you Congratulations Keep to the good risk

  • @Me-N-MyMiniMe
    @Me-N-MyMiniMe2 жыл бұрын

    I agree with other commentators you have beautiful penmanship, would you please share the pen you are utilizing?

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Hello, it’s fine tip pen gear, available at Walmart 😀

  • @lourdesmiranda90
    @lourdesmiranda90 Жыл бұрын

    Question if you’re starting the budget the 1st day of the month and you’re separating money biweekly how can you pay the rent if it’s due the 1st of the month? How can I start doing the budget and you only have the half that is due for example I get pay weekly which means that mortgage will be divided by 4 ? I’m confused how can I start if I have to pays expenses every week different otherwise I will not have the money together because I’m dividing it into 4 if my water its due 5th and electric the 10th I’m kind of confused

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Hello this is a step that I forgot to mention, you have to budget a week or two before the bills come in For example paycheck 28 and 7 off the month Budget with your 28th day check off the month before, for upcoming bills Video soon explaining this Good luck 🙂

  • @carmenrojas374
    @carmenrojas374 Жыл бұрын

    Thank you for explanation. Question what pen are you using? 😅

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Bought them at target Walmart had them too 😀👍

  • @bc-ob5dm
    @bc-ob5dm Жыл бұрын

    Thank you for sharing, I understand how to start-- but how do you start? Example: If I have bills due now, and I’m just starting this method… do I pay the bills then start this projection method, or?

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    YOu can do it that way. Ill do an updated video explaing this. Pay what you can then start a budget in writing.Thank you for watching.

  • @toshacornish4311
    @toshacornish43117 ай бұрын

    Please.....what kind if markers are you using and where can I ourchase them? Ty😊

  • @planbudgetsave

    @planbudgetsave

    7 ай бұрын

    Target and walmart have them Fineliner Pens, .3mm, 😃

  • @chuchomaui4263
    @chuchomaui4263 Жыл бұрын

    I loved watching to video I used to split 1/2 my bills until one month I forgot to pay to other 1/2. I know you said you can do that too. I don't want to use cash envelopes I don't want to go to the bank and withdraw money. Then I am constantly moving my cash envelope money around. Any suggestions appreciated. Thanks

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    This works for me, If the money stays in the bank, it’s gone With careless spending. This is what works for me. Unless you leave all the money in the bank and be very strict on how much is left for fun money, eating out, spending, etc. Hope this helps 😃😉

  • @dawnaconstante2529
    @dawnaconstante2529 Жыл бұрын

    How do you divide car payment and rent in half if both due at beginning of month and get paid bi weekly

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    YOu have to bugdet with the prior checks.find something that works for you. Have a Good Day

  • @selflove428
    @selflove4282 жыл бұрын

    I used cash for my food and gas only in my envelopes

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    That’s great!!

  • @selflove428

    @selflove428

    2 жыл бұрын

    @@planbudgetsave I am doing a 3rd envelop call xmas

  • @toni-annburke104
    @toni-annburke1042 жыл бұрын

    Question, if your car loan is due on the 12, but you’re splitting it over 2 checks, won’t it be paid after the due date? I’m struggling with splitting the payment but also paying on time. Thanks for your help!

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Hello, would you be able to pull the whole amount of cash in one check? For example you get paid on the 1st and 12, The check that comes first you can take out the full amount to pay it in time. You are able to take out half from first check and half the next but in order for you to pay it on time that first check of the month will be needed to pay it Good luck Hopefully this made sense

  • @tu6166

    @tu6166

    Жыл бұрын

    That’s why you need to be one month ahead of your bills. Like using July income to pay August bill in that way you already have the full bills amount waiting to pay next month bills ☺️

  • @bc-ob5dm

    @bc-ob5dm

    Жыл бұрын

    @@tu6166 you answered the question I just asked! Thank you

  • @Jamlife16

    @Jamlife16

    Жыл бұрын

    Most companies allow you to change the due dates.

  • @aurorasanchez7922
    @aurorasanchez79222 жыл бұрын

    Yes .give to your pets at least $5 for food, veterinary and hygienic prod.

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    😃

  • @collectivesoul8084
    @collectivesoul80842 жыл бұрын

    So is check #1 for the 1st month and check #2 is for the 2nd month?

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Same month Biweekly pay 😀

  • @sam91507
    @sam915079 ай бұрын

    Mint mobile will cut your cell to 15.00 per month. Love them and I believe T-Mobile bought them and still 15.00 per month

  • @planbudgetsave

    @planbudgetsave

    9 ай бұрын

    I will look into that T Mobile don’t have service where I live, when my sister comes to visit she has no service. She has T-Mobile Thank you 😉

  • @tyishabristow106
    @tyishabristow106 Жыл бұрын

    What gets me so confused is if you have a set due date then how can you split the payments up like that wouldn’t that make your payments late???

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    I had to make changes and work on some because I was falling behind on some. So if my house is due the first I have to budget with the last check of the month For example the 28th Updated video coming 😃

  • @Jamlife16

    @Jamlife16

    Жыл бұрын

    What I did was put it on my credit card and make bi weekly payments on that card.

  • @gnatLife
    @gnatLife Жыл бұрын

    what is matter what calculator to use and what if you don't know the total cost can just calculate all of the costs then write it at the top?

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    You can do what works for you, if you don’t know the full amount, then you can over budget by a few more dollars. You have money left over or you can add it to sinking funds

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Calculator from walmart

  • @thetruthwillmakeyoufree6301
    @thetruthwillmakeyoufree6301 Жыл бұрын

    I have a account we’re i put all bills money that does not have a card I have a second checking for gas and stuff to pay with debit card and I have 3 different savings 2 are automatically withdrawn from my checking and I don’t see the money one is with capital one savings and another with American Express savings that gives me. 3.5% interest better then most places were your money don’t grow the 3 savings is with my bank and that one is for emergency founds is not a good idea to keep money from rent at home especially for a must pay bill keep on a account that you don’t have a card. Better my opinion I also split everything in 4 I get pay every week and this rest works for me and the cash envelope as well ❤

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    You sure have a great order to it all 👍😀

  • @person-ey2ct
    @person-ey2ct Жыл бұрын

    Your hands are so smart..

  • @margarettranter3214
    @margarettranter32149 ай бұрын

    Like that you don't speak too fast. What about the months when you get 3 pay checks in the month, how does that work?

  • @planbudgetsave

    @planbudgetsave

    9 ай бұрын

    Exactly something contradicting to me and something I can’t figure out. For example September checks dates 1,15,29 Last check is to pay the beginning of the bills for the following month of October. So is there really a third check??? 🤷‍♀️ Some one help!!!🙋🏽‍♀️

  • @meleealways
    @meleealways2 жыл бұрын

    What is the pen you are using?

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Thin markers, pen gear they sell them at walmart

  • @Octavia_Fields
    @Octavia_Fields2 жыл бұрын

    What app fo you use on your tablet?

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Hi Tia, I use good notes. Here’s the link to the video on budgeting using that app… kzread.info/dash/bejne/dI12qsxxp9TWZ7Q.html I have a download on Etsy for the budget sheet I use. 😃 Thank you for subscribing.

  • @Hairtohustle
    @Hairtohustle7 ай бұрын

    If my husband pays rent and utilities would I still add that? Same thing with phone and car insurance.

  • @planbudgetsave

    @planbudgetsave

    7 ай бұрын

    Are you budgeting together? If combining income then yes you combine all bills paid and you would include rent. Happy new year

  • @DavidEVogel

    @DavidEVogel

    4 ай бұрын

    I would hope that family budgeting included the entire family. Two individuals with different priorities and goals will not work. Budgeting is a team effort.

  • @arneciaharper1863
    @arneciaharper1863 Жыл бұрын

    I tried everything but can't get started so what's way you start with a check once a month

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    One check only, you budget for the whole month. Put money aside for everything you spend, create a Budget list.

  • @breannamarie3131
    @breannamarie313111 ай бұрын

    what pen are you using?

  • @planbudgetsave

    @planbudgetsave

    11 ай бұрын

    Pen gear you can find these at target or walmart 😉

  • @Classy_Lady23
    @Classy_Lady23 Жыл бұрын

    Ok I see you included your sinking funds in with the bills I didn't know so I didn't do that but whatever is extra I could just use that and make a sinking fund right ? It comes out to be the same yes ?

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Exactly!! Money that is left you put towards your stinking friends

  • @Classy_Lady23

    @Classy_Lady23

    Жыл бұрын

    @@planbudgetsave Thank you sooo much this was so helpful

  • @jessicajackson1973
    @jessicajackson19739 ай бұрын

    Expenses

  • @planbudgetsave

    @planbudgetsave

    9 ай бұрын

    Thank you. GOT IT!

  • @mammusaeinki6317
    @mammusaeinki63172 жыл бұрын

    About recording what you actually spend. Can you or anyone recommend an app (not for i-phone - i have a samsung) where I can put in how much mony i can use every month and then have different catagories and then when i get out of the shop i can put what i have spent right under the categories and the app will automatic detract the amount and tell me how much i have left? I am not talking about a budgdt app. What i need is an app where i registeer my income after i have paide all the nessesities (on amount) and then can put how much i have spent in and the app registrer it and detraks . Only one income/salery category and multiple outgoing categories. Not a budgetin-spp. I am not so good at english as it is my third language but i hope this is understandible and that someone can recommend an app for me because i can only find apps where i have to write how much i can use on this or that. Thank you.

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Hello I understand what you mean. I have an app that’s not a budget app, it’s on iPhone though. I’m not sure if they have it on Samsung It’s called Bills I hope you can find what you are looking for. Thank you for watching my video

  • @JuanBudgetsLife

    @JuanBudgetsLife

    2 жыл бұрын

    Try Qube money

  • @kodomotachi1

    @kodomotachi1

    2 жыл бұрын

    Try Dyme, if you find it in your country.

  • @rollinoutsidetv2892
    @rollinoutsidetv28922 жыл бұрын

    Ur Car insurance is $60 😳😳😳😳. They’re killing Me I’m quadruple that 🤦🏽‍♀️

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Oh no honey, I’m doing the sinking fund car insurance. I save every paycheck and pay in full at the end of the year. I save that way 🐖 👍🤗

  • @elisa3rth77

    @elisa3rth77

    Жыл бұрын

    Hello. May i ask what is a sinking fund?..

  • @kylequinones389

    @kylequinones389

    Жыл бұрын

    Shit between me nd you I jus stopped paying my insurance… no tickets no accidents…n my insurance is STILL almost 300 a month.. feel like I was being scammed. Thought it would go down but it hasn’t. I haven’t had insurance these last 3 months

  • @user-su5rv8bi7f
    @user-su5rv8bi7f5 ай бұрын

    Electric.....you can call and get an average.....to pay the same amount....mine is $125....which is so much easier 😊

  • @planbudgetsave

    @planbudgetsave

    5 ай бұрын

    We’re on a savings plan that we don’t pay much after 7pm I’m worried we’ll pay more that way even though it averages about the same… We don’t pay much in the winter time But in the summer we’re do

  • @planbudgetsave

    @planbudgetsave

    5 ай бұрын

    Thank you I’ll have to call and get a quote on that

  • @Omertarodd
    @Omertarodd2 жыл бұрын

    What car insurance is $60…

  • @planbudgetsave

    @planbudgetsave

    2 жыл бұрын

    Hello, I should have been more clear Sorry about that This bill is a sinking fund, I pay yearly and save the cash each month to pay for the year. I also save by paying yearly. Thanks for watching

  • @stephaniedekinger2463
    @stephaniedekinger2463 Жыл бұрын

    As soon as you have your rent money, pay it right away

  • @planbudgetsave

    @planbudgetsave

    Жыл бұрын

    Best advice ever!!!