Just found your channel and I'm obsessed. I'm 19 almost 20 and still living with my parents. I just got a full-time job so I figured it would be smart for me to start budgeting as if I was living on my own, this way when I actually am I'll have a lot in savings. Budgeting and saving has always been hard for me because I do have a spending problem and it's hard to keep track of everything. I appreciate how honest you are about also having a spending problem and struggling to know where the money is going and how there's no shame in that, also you're so good at explaining everything and you're digital downloads are so affordable. I've just ordered some affordable starter materials on amazon plus your All-In-One Budgeting System - Digital Download and I'm so excited to start my cash stuffing journey!

I have a completely different method but that's ok. 🙂 This is my first real week and so far it feels so empowering walking into Target knowing exactly what I can spend and what I need (meal planning and detailed grocery lists are awesome). Thank you for the inspiration!!! You're the best!

@theaestheticdollar

Жыл бұрын

Yesss!! Way to go!!!

@Aagggyy

Жыл бұрын

​@@theaestheticdollarI'm doing a cashless method. For two reasons. One, I don't like holding cash at all and don't feel safe with it. Two, live in a rural area with no banks. I'm gonna get spending trackers. Will this method be alright?

love how the process is before you actually cash stuff. I am excited for the A5 binders.

Best video ever. I didnt know exactly how everyone was getting all their cash stuffing denominations correctly. I kinda knew but you made it so very clear.

This is so pretty ! I love how you’re keeping track of everything!

I love so much seeing how everyone chooses to do their breakdowns! Some so similar and some so different. This is great to see how you go about it!

Those budget binders 😍 completely agree- my husband and I are a team too 💚 absolutely love to see how we all do it differently! It’s a beautiful thing to see how different our minds work! Girl I do too!! I mess up all. the. time! Loved this! 💚

Helpful info. Thank you.🙏🏽 I’m usually very challenged with how to break down sinking funds.

Great buffering ❤ love the breakdown!

Best realness ever! 😂 Love your videos and look forward to your posts. The aesthetic is everything!

@theaestheticdollar

Жыл бұрын

Thank you so much!!

Hello! I’m new to your channel and I’m also from MN. i love your video because it’s simple to understand. Thank you for creating great quality content videos!

Loved the video Emily! Look forward to see your video later today! ♥

@theaestheticdollar

Жыл бұрын

Thank you love!! It’s up now 🥰

Great budget breakdown!

I'm still learning. Thanks for sharing. Great vid ✉️✉️💜💜

I absolutely LOVE your handwriting 😍❤

@theaestheticdollar

Жыл бұрын

Thank you so much!!

This was great to see! I love that you show that you are a human too!!! I get paid bi-weekly and this is how I did my first budget/cash stuffing….happy to know I’m on the right path! Thanks, Emily!

@SuzanneP-uv8fq

Жыл бұрын

I’ve been struggling a bit because I use income form the month I’m planning for to plan my budget. Still trying to save up to have a month’s worth of funds available. How long did it take you to save up in order to be able to pay yourself at the beginning of the month from prior month’s earnings?

@theaestheticdollar

Жыл бұрын

That is awesome! You’re doing great 🤩

@theaestheticdollar

Жыл бұрын

We didn’t save up, it’s the same as people who get paid once a month, you’re getting paid for the work you already did, I hope that makes sense!

❤ great explanation 🙌

Very detailed!

I get paid once a month so this is very helpful and informative ❤❤❤

This was super helpful! I’m new at this and I was just going to get random bills from the bank! 😂 I see that everything is intentional!

@theaestheticdollar

Жыл бұрын

You got this!

Thank you for sharing I love seeing your process...❤

@theaestheticdollar

Жыл бұрын

You are so welcome!

You explained this sooooooo well!!!!!

@theaestheticdollar

Жыл бұрын

Awe thanks girl!!!

Great tips

Helpful video

vry fun

Hi there! I was wondering what time your launch will be? I’m always so sad when I try to purchase and everything is sold out! I really want that new budget binder! Lol

I really like this video, ❤ new subscriber

@theaestheticdollar

Жыл бұрын

Yay! Welcome to the channel 🥰

Does the binder come with the sheets? I know you say you create them, do you have a video on how if so?

😊

❤️🧡💛💚💙💜

I’m curious about your debt payoff. What is your thought on cash stuffing versus using the extra money to pay off debt faster? Seems like you are making enough income to do both? I have been debating and decided to hold off on sinking funds to throw everything at debt. I’d love to know your thought process. Thanks for all the amazing content!

@theaestheticdollar

11 ай бұрын

We are doing both! The reason we cash stuff sinking funds that way we do is because we are both self-employed, and I want to make sure that our family is taken care of if my husband and I both have a lower income month 🖤 I think at the end of the day, you have to do what’s best for you and your family and if that is being gazelle intense about paying off debt, then 100% that’s what you should do! 🥰

Hello, so i wanted to start cash stuffing im 18 and i had started my first job so far ive worked 2 months and i get paid Biweekly and i get around $480, so in total around $960 for every month except for the months that have 3 fridays such as june i get paid on the 29th so a 3rd time...but anyways i don't pay bills, or phone bills really nothing fixed as i live with my mom and i only pay for food when i go out by myself, i buy my own clothes, and sometimes hygine, and i like to read books so i do buy books every month or every 2 months, i also have a kitty that i want to buy toys for him, and ofc when its someone ik there birthday i want to buy them gifts, but in the end i just want to learn to manage my money and not buy just random stuff every time i go out somewhere im very organized and i do try my best to be mindful and not buy too much such as make-up i wont be buying anymore since i have enough🌸🌸

@theaestheticdollar

Жыл бұрын

Wow! I wish I was this responsible at 18! I’m so proud of you!!! DM me on Instagram! If I could go back and talk to my 18 year old self, I’d tell her to do savings challenges and save as much as she can in this season of life 🤍 And in addition to saving, also cash stuff for fun stuff for yourself 🥰

@jacquelinemendiola29

Жыл бұрын

@The Aesthetic Dollar aah! Thank you! And yes I thought it would be best to start early so once I have to start paying for bills, and even more I could already get used to saving up!😊🌸

Thank you for sharing with us on how you do your sinking funds. Do you feel that your money tends to last more or you spend less by stuffing weekly as opposed to stuffing biweekly or even monthly? I do it biweekly but I notice that I am running out of money by the end of the first week. Any suggestions??

@theaestheticdollar

3 ай бұрын

I personally like doing it every week because then I’m thinking about it on a weekly basis and I’m more aware of my spending throughout the week 🖤

🌺🤗

When you’re starting out, how are you determining how much to budget for each category? Trial and error?

@theaestheticdollar

11 ай бұрын

I went through my bank statement and looked at how much our bills were and our spending habits and based it off that!

I’m struggling a bit. I use funds of the month I’m in to plan my budget. I’m still working to have a month ahead of income saved up. How long did it take you to save up in order to use prior month’s earnings for the next month’s budgeting & expenses? Any tips how to get there?

@theaestheticdollar

Жыл бұрын

It’s just how we’ve always done it, we’re not a month ahead 🖤 I should have clarified that. It’s basically like how when people get paid, they’re getting paid for the work they’ve already done. It’s the same thing for us, we just pay ourselves once a month because it’s easier to make just one transfer from our business accounts to our joint accounts 🖤

@SuzanneP-uv8fq

Жыл бұрын

Oh ok I get you. Thanks so much for clarifying. I’ve been working to save a buffer month of pay & finding it so slow going. I think I need a develop a side hustle 😅

I was wondeing how much do you pay for mortgage if that's okay to ask and how do you incorporate that into your budget? I'm brand new to cash stuffing, this is my fist week and our goal is toward buying a house + organizing/being more incontrol of our spending.

@theaestheticdollar

Жыл бұрын

We pay around $2200 for our mortgage and it’s just a line item in our budget like everything else 🖤 Cheering you on, you got this!!! 💪🏼

@DavidEVogel

Жыл бұрын

Stuffing for fixed expenses is easy. Mortgage/month divided by number of paychecks/month. That is the amount that you should stuff each payday.

Still learning here…so, are sinking funds short term savings or what is planned for the month ?

@TheKidchaser

Жыл бұрын

They can be short term, or long term. It can be for things such as vehicle maintenance, new car, house repairs, yearly income taxes. Whatever needs you have.

@FannyGodMother

Жыл бұрын

Just as the other person said, you can set them up for whatever your needs are. Some other examples are things like pet costs, clothing, fun money, date night, etc. Whatever expenses you want to plan for! They can be small goals or large ones 😊

@theaestheticdollar

Жыл бұрын

Y’all explained it better than I could have! Thank you!! And thank you for asking Emma 🥰 we’ve all got each others backs! 💪🏼

@DavidEVogel

Жыл бұрын

I define "sinking funds" as unknown expenses: Vehicle maintenance. You don’t know when you will need $600 for new tires. Every month put $20 in your vehicle maintenance envelope. You will tally debits, credits and balance. So you have $700 cash in your vehicle maintenance envelope. Spend $600 for tires. The balance of your vehicle maintenance envelope just “sunk” to $100.

So if the money for May pays for June that means you’re a month ahead right?

@theaestheticdollar

Жыл бұрын

No, we haven’t saved to be a month ahead yet (we’re currently paying off all debt first). Since we’re self-employed incorporations, that’s how we pay ourselves 🖤 It’s similar to how anyone is paid (self employed or not) they’re paid after they do the work, hopefully that makes sense 🥰

Okay so silly question. I’m going to start doing this on Friday and I’m completely new to this. Now…I get paid through direct deposit. Am I going to the bank and taking out every cent?

@theaestheticdollar

Жыл бұрын

I have a cash stuffing for beginners video and I think it will be really helpful for you starting out! kzread.info/dash/bejne/g2t9u6OioZqolag.html

@cbp97

Жыл бұрын

Thank you so much for getting back to me and I will check out that video! Love your videos btw 😊💕

what bank do you use? is it okay to just draw all the money out?

@theaestheticdollar

5 ай бұрын

I’ve never emptied my accounts to cash stuff 🖤

@mariahgamesyt

5 ай бұрын

@@theaestheticdollar oh okay! I’m thinking of starting this! any good bank recommendations

@theaestheticdollar

5 ай бұрын

I just use a credit union! Also, you got this!! This entire community is here for you if you have questions 🥰 I have a “how to start cash stuffing” video that might be helpful too!

@mariahgamesyt

5 ай бұрын

@@theaestheticdollar Been trying to find a credit union around me that’s good. And how to manage my accounts and such. Might just use capital one and chase, idk. But thank you 🥰

$200 is your savings challenge, right?!

@mslambospyder

Жыл бұрын

That's what I gathered too

@theaestheticdollar

Жыл бұрын

YES! I figured it out in between filming my process and actual cash stuffing 🤣 you guys are so on top of it!!

I think the extra 200 came from 11:35 THE 100 envelope challenge…

@theaestheticdollar

Жыл бұрын

You’re correct!! 🫶🏼🥰

🤍🤍🤍