Hey girl! I know how you feel about wanting to just pay off your car. Car payments are so annoying lol! If I were you, I'd wait until you are closer to paying off your car (maybe 2-3 months left) then if you still feel like pulling all your emergency funds/savings to pay for the remaining then do it. To go 6 months+ without savings or emergency funds is really scary. But that's just me lol! 😅

@LeahsLifeinEnvelopes

11 күн бұрын

This is exactly what i was going to say. You never know what kind of emergency can pop up.

@snoopystuffs

10 күн бұрын

Hi Maddie! I really appreciate this approach! I completely agree with you that not having savings/efund to fall back on is terrifying 😣 I might just put a little bit of my savings towards paying the debt down and keep my efund intact until I'm close to paying the car off completely like you said. thank you so much for sharing!!

@snoopystuffs

10 күн бұрын

@@LeahsLifeinEnvelopes totally agree! thank you for sharing 🫶

So glad you got to spend time with your family. Happy Saturday! 🥰💙

Hey girl ❣️ great stuffing video 💕 I feel you on having a car payment 😫 mine is $820 a month and it hurts every-time I pay it 😭 but then I’d rather have a car payment then to wipe out my little savings because we never know 🙌🏽

@Ann-Marielivingonabudget

12 күн бұрын

That is smart! Don't let anyone tell you to put all your money toward debt. Put your extra, after sinking funds, toward debt. We followed that "gazelle intensity debt repayment" advice, and had three or four huge things happen one after the other one summer (bed bug treatments over $2k, a/c went kaput, lawnmower broke down, and washer/dryer needing replacement). We just ended up in more debt. Future debt prevention is more important than paying off current debt in a matter of months. It's ok to go a little slower and be able to sleep easy knowing you can handle an emergency.

@snoopystuffs

10 күн бұрын

thank you for sharing lizz!! really appreciate your perspective and I agree - you can never know when you'll find yourself in an emergency so I think I'll keep the e-fund and maybe just put my savings towards the debt for now! 💞 rooting for us both to pay those cars off! 💪🏻

@snoopystuffs

10 күн бұрын

@@Ann-MarielivingonabudgetI really admire this perspective! sometimes I find myself getting caught up in paying my debt off asap to the point of having tunnel vision but it's true that we never know when an emergency will crop up. thank you so much for sharing and I hope things have gotten better for you!! ❤

Your binder from Mary is beautiful!! I’m saving up to get some too ❤️ I think you should pay off your car when you can. Interest on car payment is crazy lol. It would be one less loan you would have to worry about. Once you’re done with the car loan, you can focus on emergency & savings. ❤️

@snoopystuffs

10 күн бұрын

thank you Cierra!! and yesss, you should totally cop some binders from Mary they're so beautiful!! and I appreciate your advice about the car! once this car gets paid off my savings and efund are gonna go 📈📈 for sure 🤣 have a great rest of your week!

hey ari !! I loved the cash stuffing and seeing the happy mail. There are ao many CUTEE binders / wallets. In terms of paying off the car, from my own personal experience I would recommend waiting because as soon as I didn’t have an emergency fund I had an emergency that sent me further into debt. I would either just continuing to budget to pay it off quicker or take only some of the emergency fund like ($250) to help you get to your goal a little faster. I hope this helps 💗☺️

@snoopystuffs

10 күн бұрын

girl I totally feel you - I feel like I always had an emergency expense when my efund didn't exist (prior to me cash stuffing consistently lol). after reading everyone's suggestions, I'm leaning towards using $1k from savings and keeping the efund entirely. I really appreciate your insight, thank you!! 💞

your set up and binder colors make me so happy 🥹 I'm also doing better with my Christmas envelope too than I was a month ago. it's coming so fast 😭 great stuffing!! 🎉

@snoopystuffs

10 күн бұрын

ahh thank you so much!! 💞 I totally agree - I can't believe christmas is only 5.5 months away!! 😭 I'm rooting for us though, we got this!! 😼

Hii!! The binder looks so good in your lighting! I’m happy you are happy 💞 don’t forget the big opening in the back 🥰

@snoopystuffs

10 күн бұрын

ahh I realized I missed the pocket in the back after uploading 😣 I'm sorry! but I love it so much, thank you again

Love the new binder/wallet!! Happy birthday to your mom! 🎉❤

@snoopystuffs

10 күн бұрын

thank you so much Lina!! ☺💖

When I had a car payment, I used my savings challenge to pay it off. It was better in the long run for me.😊

@snoopystuffs

8 күн бұрын

congrats on paying it off! 🎉 I’m also putting all my savings challenges towards paying it off (hopefully soon! 😅)

That binder 😍😍 I was looking at those from her!! So adorable ❤ great as always love your vids 😊

@snoopystuffs

10 күн бұрын

the binders are so cute!! thank you for always stopping by - I appreciate you Grace!! ❤❤

great video! love the pochacco challenge ! too cute! maybe use half of your emergency fund to help pay it off? so interest can at least be going down a bit

@snoopystuffs

10 күн бұрын

hi gigi! thank you for your perspective!! I think this is the best happy medium I can achieve for now until I'm closer to paying the car off completely. I appreciate you 💜

@budgetwithgigi

10 күн бұрын

@@snoopystuffs aww happy I can help ! 🫶🏻

your wallet loooks so goooood! aaa makes me want to go back to long wallets again XD

@snoopystuffs

10 күн бұрын

thank you so much!! it's my first time having a long wallet so I'm excited to try it out 🤭 have a great rest of your week friend 🤍🤍

Pochacco was always my fave Sanrio!

@snoopystuffs

7 күн бұрын

me too!! he's such a cutie 🐶

❤❤

@snoopystuffs

10 күн бұрын

thank you for being here!! 💖💖

new subscriber 🤍 great cash stuffing

@snoopystuffs

10 күн бұрын

ahh I love your channel!! thank you so much for stopping by 🥰🫶

Hi I am needing here and I love your positive vibes and your beautiful wallets I enjoyed the video.

@snoopystuffs

10 күн бұрын

thank you so much for stopping by!! have a great week 🤍

Beautiful binder! I also feel that I can’t keep up with the home, over budget and miscellaneous envelopes lol. I want them up to $100 but it’s impossible 😂 we went to a big park with some friends for 4th of july but I don’t like fireworks cuz of the doggies :( If I were you, I’d put all the money to pay the car debt and start over for emergency and savings. Also just in case you have an emergency, you could use all the money from your binders

@snoopystuffs

10 күн бұрын

that sounds so fun!! I hope you had a great time 😊 and thank you for the suggestions!! I'm leaning towards using $1k from savings to put towards the car and keep the efund just in case (I just don't feel like I have enough in my binders to cover an emergency personally 😭) but I really appreciate your insight, thank you 🤍🤍

Another lovely video!! 💕💕 I hope July is a lovely month for you. 💌

@snoopystuffs

10 күн бұрын

thank you friend!! and you as well!! appreciate you ❤❤

Heyyy girly ✨💓 omg as I was watching your videos girl you got some crispy $10 bills they was sounding very crispy haha 😂 but I feel like it goes both ways if you pay off your car you can always built your emergency fund quicker since you won’t have a car payment but I also understand the hesitation but amazing cash stuffing video girly 💖

@snoopystuffs

8 күн бұрын

girl ive been getting so lucky w my $10s!! 🤣 and i totally see it from both sides like you said!! I’m just tryna get this car paid off 😩 thank you for being here friend have a great weekend

Hi friend great cash stuffing ❤❤❤

@snoopystuffs

10 күн бұрын

helloo!! thank you for always stopping by ❤❤ hope you have a wonderful rest of your week!

@OdettesBudgetingLife

10 күн бұрын

@@snoopystuffs you as well my friend

I Love watching your content 🥰🥰🥰🥰

@snoopystuffs

10 күн бұрын

yay I'm so glad to hear!! thank you for stopping by and have a great rest of your week! ❤❤

Earrllyyyy ❤❤

@snoopystuffs

10 күн бұрын

always appreciate you!! 💞 have a great rest of your week!!

Good video, so great to be here

@snoopystuffs

10 күн бұрын

really appreciate you being here, thank you!! 💞

Great video! It seems like everyone in the comments is pretty much on the same page about not risking having NO emergency fund/savings but do what feels best for you because not having an emergency fund might feel like more of a weight than having car payments remaining... Good luck!

@snoopystuffs

2 күн бұрын

@@BrightPlans1 I totally agree! the emergency fund is my security blanket for sure 😖 thank you for your insight - I really appreciate it!! 🤍

❤❤❤

@snoopystuffs

8 күн бұрын

🤍🤍🤍

Okay but your nails look so good 😍

@snoopystuffs

10 күн бұрын

thank you so much!! 💖 I've been re-using the same press-ons for a month 🤣

@PensPaperBudgets

10 күн бұрын

@@snoopystuffs omg really?! I can never get mine to stay on! 😩

Lovely video enjoyed it 🥰💕🤑 19:13

@snoopystuffs

10 күн бұрын

so glad you enjoyed! thank you for stopping by!! 🥰🫶

New subbie...looking forward to watching your content.

@snoopystuffs

8 күн бұрын

thank you so much for being here!! 💖

I would keep 1000$ EF and put a little more on the car! ❤

@snoopystuffs

10 күн бұрын

love this idea!! thank you so much for the suggestion - have a great week ❤

SNOOPYSTUFFS JUST POSTED!!!

@snoopystuffs

10 күн бұрын

😼💖

Just my opinion keep the emergency and use the savings to pay off the car❤❤❤

@snoopystuffs

10 күн бұрын

oo I like this!! this would def be a good happy medium 😊 thank you so much for your insight!!

I’d try to wait until next year to pay it off so you can save a bit more to fall back on. $1500 would be good to have on hand after you pay off your car then put car payments back in savings

@snoopystuffs

8 күн бұрын

thank you for your suggestions! I agree - not having anything to fall back on is scary 😵‍💫 have a great weekend 🤍

I would pay the car off that way you get some debt relief then you can start back with the emergency savings.❤❤

@snoopystuffs

10 күн бұрын

thank you for your advice!! I would love to just get rid of the debt asap but I'm also not 100% comfy not having anything to fall back on if I find myself in an emergency after 😔 I really appreciate your perspective though, thank you so much!!

Hey beautiful xxx

@snoopystuffs

10 күн бұрын

hellooo 🥰 thank you for stopping by - have a great week!!

💜💜💜🫶🏽

@snoopystuffs

10 күн бұрын

thank you for stopping by ❤❤❤

I’d rather just keep paying it off until you have only a few payments left. Not having an emergency is scary. Because eventually the car will be paid off. And then you’ll have more money. So it’ll be ok. I would just be patient.

@snoopystuffs

10 күн бұрын

thank you for your advice!! I totally agree w/ you about not having an efund being super scary. really appreciate your insight, thank you ❤

Hi! I was wondering where you got your green binder?? Not the wallet but the other one! Green is also my favorite color and I can never find any pretty green ones!!

@snoopystuffs

4 күн бұрын

@@ezreclopez2248 hi!! my green binder is from @budgetwithlina. I’m not sure if she has any in stock currently but you could always DM her and ask - hope this helps!! 💞

@ezreclopez2248

4 күн бұрын

@@snoopystuffs thank you so much!

New sub

@snoopystuffs

8 күн бұрын

thank you for being here!