Fix Your Budget And Stop Living Paycheck To Paycheck | Ep 3

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✨We go over typical problems that may occur when you are trying to get your budget started. If you have inconsistent paychecks, not sure how to track bills or having trouble getting into a money routine, you'll see some easy ways to get past those roadblocks. Don't let these things stop you from learning to save money and changing your life.
‼️ Part 1 Starting A Budget:
• Finally Set Up Your Bu...
‼️ Part 2: Put Together Your Zero Based Budget:
• Beginner’s Guide For A...
‼️. How To Sell Your Stuff Online or In Person :
• 😊 HOW TO Organize Your...
‼️ Get Your Partner On Board:
• 🧡 CAN I Get My Partner...
💛LOWER Your PHONE Bill!
Go to our partner mintmobile.com/twosisterbees to get premium wireless for as low as $15 a month
❓ BEHIND on BILLS?
• 💰 Behind On Monthly Bi...
❓Wanna LEARN how to start CASH STUFFING?
• 💰Beginner’s Guide To C...
🛍️ Shop items We Use: 🛍️ BUDGET TRACKERS HERE:
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( Amazon affiliate - we receive a small commission)

Опубликовано:

30 июл 2024

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Комментарии : 123

@MsCavsfanatic 11 месяцев назад

In two years I spent over $1,000 on planner stickers because, you know, I HAD to have them. What a waste of money! I donated probably 80% of them to the local library for the children's section for projects. I do use my planner religiously, though. I would be a leaf in the wind if I didn't have it. I have a section of my planner to keep track of all my bills being paid that includes a budget worksheet. This method is a lifesaver in addition to my cash binders.

@2SisterBees 11 месяцев назад

Sometimes we just have to prove ourselves wrong. You wanted it to work and your intentions were good! I’m glad you found a way that DOES work for you- that’s what counts! 💛💛💛

@Love.Yourself.1976 6 месяцев назад

I'm starting our budget this month. Which also encourages my adult kid to s start budgeting too!

@georgiek5733 11 месяцев назад

Great video. I thought I was the only one writing all my expenses down as soon as I got home😂 I started to do a monthly check-in and show the hubby how much we have saved and now he's always asking me every month. Cash stuffing is great and has helped me so much. I have been learning loads too especially with your videos. ❤

@2SisterBees 11 месяцев назад

I am so glad that cash stuffing has helped you in so many ways. It has helped me the same way.! 💛💛💛

@brandi1719 11 месяцев назад

Just woke up and watched this video while drinking my coffee. What a way to start the day. Feeling motivated ❤☕🐝

@2SisterBees 11 месяцев назад

Yay!!!! I’m so glad to hear that that!! 🙌

@marybaker8061 6 месяцев назад

❤❤ I'm still curious how things have changed and am here to keep on learning!

@2SisterBees 6 месяцев назад

I love when I see someone going through “The Vault” Some of these are really good! 😅

@SCDiva803 11 месяцев назад

Hey, great video. I cut off my cable and home phone in order to stay in budget. I was paying over 240 dollars a month. Now, I am only paying 75 dollars a month. It made a huge difference.

@2SisterBees 11 месяцев назад

It does!! I was just texting my youngest last night. I was looking over her bank statement. She has A LOT of ways she can save. She wants to chat about it today. Cut, cut, cut that unnecessary fat! ✂️

@libbysworld7649 11 месяцев назад

Thank you for all of these informative videos! Very helpful. I have been on a zero based budget for almost 2 years now and it helped me pay $20K worth of credit card debt off.

@2SisterBees 11 месяцев назад

Yes!! Thank you for sharing that so others can see the power that a zero based budget has!! 🙌

@CandiceFields 11 месяцев назад

I needed this video. I re-configured my budget to pay my bills in it's entirety vs setting out a little each paycheck. Using your method is going to allow for the bills to be paid in full. I was forgetting to set amounts aside each week. Definitely a better method.

@2SisterBees 11 месяцев назад

I also am reconfiguring and working out my budget. It has to work, right? A budget can’t be an idea of how we think it could work. It has to actually work. It takes time. Make sure to give yourself that 90 days of adjustment. Doing a budget is like giving yourself an instant raise. We are working for ourselves and it will all be worth it! 💛💛💛

@elsagonzalez5161 11 месяцев назад

Awesome video ❤❤️❤️

@JUANORQUIO 11 месяцев назад

W❤️W! That’s Incredibly Awesome! Cheers!🥂🌸🤗❤️✨

@2SisterBees 11 месяцев назад

Thank you! Cheers! 💛

@rangert1194 11 месяцев назад

I want to bump up my savings. Great information

@sashamolina2235 11 месяцев назад

Love these series ❤

@2SisterBees 11 месяцев назад

Awesome! 💛

@GandLBudgetingBesties 11 месяцев назад

Love these videos keep them coming 🙏🏼💖💖💖🥰

@2SisterBees 11 месяцев назад

More to come! Thanks for watching! 💛

@BudgetsWithELMA 11 месяцев назад

Fabulous tips for budgeting Jen! I love watching this series and content, you are such an inspiration!

@2SisterBees 11 месяцев назад

Thank you so much ! I’m so glad you like the content. 💛

@ruthking466 11 месяцев назад

Hi Jenn and chat👋🏽 This is a very informative series. Great video

@2SisterBees 11 месяцев назад

Glad you like it and thank you for watching! 💛

@jessicaroll9878 11 месяцев назад

This video was FULL of great reminders! Thanks 2 Sister Bees

@2SisterBees 11 месяцев назад

I am so glad you found it helpful! 🙌💛🐝

@jldeville1 11 месяцев назад

Thank you for this video. It had lots of great tips.

@2SisterBees 11 месяцев назад

I’m glad you liked it and thanks for watching!! 💛💛💛

@marylynmiller5158 11 месяцев назад

Great info that you shared, Jenn. I'm sure many families will benefit from this.

@2SisterBees 11 месяцев назад

I hope so. 💛🐝

@debratakagawa4764 11 месяцев назад

Great video, very good explanation! You provided lots of good tips.

@2SisterBees 11 месяцев назад

I’m glad you thought so! Thank you for watching! 💛

@celestebarrentine3922 11 месяцев назад

Another good one Jenn. Thank you for doing this series. The whole time I was watching this one I was thinking about an acquaintance who just asked for help in reining in her spending. I am definitely going to recommend she watch these 3 videos. Thank you.

@2SisterBees 11 месяцев назад

I hope it helps her! 💛💛💛

@AFBudgets 11 месяцев назад

If we miss one paycheck. It puts us behind a couple months. And we have no extra 400 or 100. Every dollar Is uses because we are so extreem low income. I cash stuff to try and get us out of dept.

@2SisterBees 11 месяцев назад

Cash stuffing is definitely a huge help! 💛

@cookiekitty222 11 месяцев назад

Thank you Jenn for doing this series and more importantly, this video. I was able to start utilizing a Paycheck budget worksheet since I am biweekly, and oh boy does it help me to see how I can get to zero and show that every little bit saved is a win!

@2SisterBees 11 месяцев назад

Thank you for sharing for everyone else to see how a budget really does help! 💛🙌

@estrellaalcaraz3845 11 месяцев назад

Love your vids❤❤❤❤❤ Ty

@2SisterBees 11 месяцев назад

💛

@SitchieSaves 11 месяцев назад

Great video! Very useful info!

@2SisterBees 11 месяцев назад

Glad you liked it! 🙌

@emmavoels2 11 месяцев назад

Another great video, Jen! I've learned so much while developing my budget. I've switched from a monthly to a bi-weekly budget because i didn't like being in the "red" while waiting for a check. I got spreadsheet budget spreads based on which half the month I'm on. Each half has it's bills that need to be paid that period, so I just copy the sheet for the next cycle. My spending categories are what are what I'd like to spend for a whole month divided in half. And I've followed April's digital cash stuffing. Seeing the money I'm saving in my spreads along with watching both 2 sister bees channels has really helped me out.

@2SisterBees 11 месяцев назад

I agree on not waiting for those check ins! I think a weekly check in - no matter how often you get paid is key for staying on track. 💛

@deeplansandbudgets 11 месяцев назад

This is such good information. Basic personal finance is just no longer a thing people are taught or talk about.

@2SisterBees 11 месяцев назад

No- I’m trying to get my youngest to change some things about her spending and learn now- while she is still under our roof.

@wendymcmullen9831 11 месяцев назад

I have been working in coming up with a budget. Your videos have been so much help. I even have started helping 2 single parents work on their budgets. 1 of the girls saw me working on mine and asked what I was doing, and away we go! First I shared your RU-vid channel with them of course told them which 1s to start watching. I absolutely love helping people any way I can!!!! Thank You!!!!!

@2SisterBees 11 месяцев назад

Yes!! It’s what I love, too! Feels so nice to help people save their money. Especially with the way things are now. It’s time to be a community and help each other out! 💛💛💛

@melegellner44 3 месяца назад

Thank you so much for this video. I’m looking to get out of debt ASAP. I’m just done with living paycheck to paycheck!! I appreciate your help. PS- I’m guessing you’re in NorCal since you pay PG&E. Thanks again!

@mindysbudgeting 11 месяцев назад

Great video jen😊❤

@2SisterBees 11 месяцев назад

Thank you!! 😊

@ginamoffett1973 11 месяцев назад

Great video Jen, the budget tracker idea 💡 got me, I was like well darn why didn’t I think of that? So now I have one in my wallet. ❤ This week I gave all my smoke money to saving challenge. What did you do when the mean/stress craving come on. You are helping my and I know other a lot. So thank you.

@2SisterBees 11 месяцев назад

I was doing things like making a cup of coffee, taking a shower or going for a quick walk. You only need to get past about 10 minutes and the craving goes away. Good luck!!

@hollidae4078 11 месяцев назад

What a pleasant surprise, Jenn!

@2SisterBees 11 месяцев назад

I promised to finish out this series and help those that either ran into problems or weren’t sure how to do it. 💛

@hollidae4078 11 месяцев назад

@@2SisterBeesthat’s awesome! You’ll never hear me complaining about a Thursday video❤

@torinawilliams1962 11 месяцев назад

Thanks for your help. I have been very discouraged wanting to give up, but I’m trying not too.

@2SisterBees 11 месяцев назад

Nooooo! Do NOT get discouraged! There’s no reason to! In anything we do, we never lose. You are either winning or LEARNING! Keep at it. Everything is like a muscle- the more you work it, the stronger it becomes. 💛💛💛

@thestilltryingmama 11 месяцев назад

Thank you for this video, Jen! Loved it ❤❤I tried zero based budgeting for a few months then realised that I work better with a rollover based budget instead. Just want to say that budgeting really has no right or wrong answers - we just keep trying and keep learning! It's perfectly okay to scrap that budget we spent so much time working on, because it may not be working out for us anymore at that particular season/moment in our lives. Our lives keep changing, so should our budgets ❤

@2SisterBees 11 месяцев назад

Always do what works for you! That’s what I was saying about the monthly calendar thing- I tried that and I didn’t keep up with it. I need easy! 🙌

@aprilbudgets 11 месяцев назад

I’m currently trying to go from a weekly budget to bi weekly and this video came right on time I needed some advice Thankyou so much❤

@2SisterBees 11 месяцев назад

I hope it helps you, Sis. 💛💛💛

@luckylib 11 месяцев назад

I appreciate this video

@2SisterBees 11 месяцев назад

Thank you for watching !

@Mademj8008 11 месяцев назад

Great video, Jen. I got caught up in the pay day advances before I started budgeting, and let me tell ya. I hated it. I have not been to one of those places in a few years, and they still call me to let me know they are there. I told one lady to shred my file because I will not be coming back 🤨. I just can't. Have a great day 😊

@2SisterBees 11 месяцев назад

I know it. It’s a cycle and I can’t believe they are legal. Just preying on people who are already in a bad way. It’s awful!

@ShannonsBudgets 11 месяцев назад

GREAT INFO

@2SisterBees 11 месяцев назад

So glad you thought so!! Hope it helps ! 💛💛💛

@shaundegilchrist5205 11 месяцев назад

This past week was a spending frenzy. I am pretty much starting from nothing. I almost touched my savings challenges. We all fall down, but the only place to go is up!

@2SisterBees 11 месяцев назад

I’ve had this happen, too. Life - it just happens sometimes. That’s good you didn’t have to dig into your SC. I actually had to clear mine out earlier this year. 💛

@tamihill4229 11 месяцев назад

Thank you gor doing this budget. After 8 months ❤doing budget . I finally have 8000 of debt. 2000 more to go i will be debt free. I finally started my emergency bee fund.

@2SisterBees 11 месяцев назад

Wow!! You are doing amazing!!! 🙌

@cwdoeslife8715 11 месяцев назад

great advice

@2SisterBees 11 месяцев назад

💛

@tamihill4229 11 месяцев назад

I used a check book register to get myself on budget. The stress is almost gone

@2SisterBees 11 месяцев назад

Nice job! 💛

@SisuBudgets 11 месяцев назад

Im gonna check my grocery and date nights funds 😅 18:03

@crystalbenneyy9723 11 месяцев назад

I use rocket money it helps me enjoyed the video

@2SisterBees 11 месяцев назад

It has helped me, too. I don’t actually log in all the time - but even those daily reminders they send are super helpful!

@grivera9398 11 месяцев назад

Currently working on reducing my truck payment. Hopefully everything goes through and I'll be saving $190/month. HUGE help.

@2SisterBees 11 месяцев назад

That is huge!! I hope it works out, too! 💛

@sabahatnaheed1435 2 месяца назад

im sure we have the same desk. i purchased mine from wayfair :)

@2SisterBees 2 месяца назад

I think I got this one on Amazon. Probably same one! I’ve seen some others with it, too. Has a pocket on the side ?

@brianneholmes6547 11 месяцев назад

Just a note for a bill tracker, you can put your bills on the day they are due on the calendar. That way your list is in chronological order as well.

@2SisterBees 11 месяцев назад

Oh , you have a good eye! My actual one started out that way but ended up out of order as I began paying cards off and adding other bills. I copied and pasted into that sample. They definitely would be easier In chronological order. Thank you for pointing that out- I’m so used to it being like that! 😂😂😂

@joannam.9276 11 месяцев назад

💚

@2SisterBees 11 месяцев назад

💛💛💛

@jessmiddleton4601 11 месяцев назад

I am in the "get a second job" phase now. Been on a couple interviews so I am hopeful.

@2SisterBees 11 месяцев назад

Sending good vibes!!! 🙌

@jessmiddleton4601 11 месяцев назад

@@2SisterBees thank you so much!!

@denisemeyerhoff-qp9df 11 месяцев назад

This came on at midnight😅

@2SisterBees 11 месяцев назад

Yes I was editing ALL day and night! 😂 When I was done, it was 9pm here and I was like- it’s going UP! 😂😂

@denisemeyerhoff-qp9df 11 месяцев назад

@@2SisterBees ☺

@jesuszubizarreta 11 месяцев назад

This was so helpful ❤ I make 6 figures and if I missed my paycheck we could use credit cards but pretty quickly it would be a death spiral from debt. So definitely trying to live under our means to pay off debt and put money in savings. Seriously considering doing that 20k challenge to really make a point of getting very ahead in emergency savings.

@2SisterBees 11 месяцев назад

You sound like me about 2 years ago. Get that debt paid off, Jesus. The difference in your life … it’s truly unbelievable. I know you and Maria are going to do it. You’re both motivated and committed- it’s just a matter of time. 👏

@2SisterBees 11 месяцев назад

And the 20k was like to prove a point for me - I knew we could do it and we just…. weren’t.

@jesuszubizarreta 11 месяцев назад

@@2SisterBees yeah I turn 50 next month I really feel like it would be so great to retire early in 10 years with a decent amount of savings and be able to pursue some kind of twilight years career that's less stressful than being in the ER with all the drama 🎭

@2SisterBees 11 месяцев назад

We are same age. And we are constantly talking about retirement and how this is going to go for us. It’s a BIG DEAL

@jesuszubizarreta 11 месяцев назад

@@2SisterBees yeah we have to seriously start thinking about it because also we have young kids and I feel like it would be nice to be younger 60s empty nesters and get to go on cruises instead of local hoveround trips to be people of Walmart at 80 😂

@debrasixtoes424 11 месяцев назад

My husband has got caught up in the payday loan. Love the old school but just get too busy and forget to write ✍🏼 it down. 🤷🏻‍♀️🤷🏻‍♀️🤯

@debrasixtoes424 11 месяцев назад

I always was just kept tracking.. but this month I was overdrafted $30 I had to break into my savings challenges to cover the overdraft fees.

@2SisterBees 11 месяцев назад

I hate that you had OD fees. I know a lot of people are struggling with that right now which is why I made this video. Writing it down has to be priority - it only takes a minute and think of it this way- you are working for yourself. That minute could potentially be saving you $30 ( minimum).

@elsagonzalez5161 11 месяцев назад

I having trouble differentiating savings and cushion. What would a savings be used for vs a cushion?

@2SisterBees 11 месяцев назад

Great question! Cushion is a specific amount ($100, $200) that sits in your checking account as protection for those forgotten transactions. That way you don’t end up with an over draft fee. Savings, is just that, savings. And that’s up to you what you are saving for and how much and for how long. Hope that helps! 💛🐝

@elsagonzalez5161 11 месяцев назад

Awesome yes thank you so much ❤️❤️🙏

@thebudgetevolution 11 месяцев назад

😊👋

@2SisterBees 11 месяцев назад

💛🐝

@kalagoff8717 10 месяцев назад

I have to start saying no to paying for things

@2SisterBees 10 месяцев назад

We had this problem … for YEARS! People will push boundaries- stick to it !

@kalagoff8717 10 месяцев назад

@@2SisterBees OK 🫡

@yodelingcloud9612 11 месяцев назад

Dose this work for people on social security?

@2SisterBees 11 месяцев назад

For sure. Every pay period- have your expenses in order - prioritized spending plan- and as soon as your $ hits, pay each bill in order to your plan. With what you have left, assign every dollar a place to go so it doesn’t get spent on unplanned things. Keep track of it all and see if you notice a difference. When people start doing this, the average amount of $ that is “found” back for them, is over $300 a month. That’s like giving yourself a raise- just by paying close attention to every $! 💛💛💛

@nancyaguirre1784 10 месяцев назад

😩 I have so much debt, I need to get out of it and seems impossible

@2SisterBees 10 месяцев назад

I was there, too. Jason and I were just talking about it yesterday. We made so many changes, sold so many big ticket items, he worked endless hours and I watched every penny. It can be done. We were over 500k in debt and now we are down to 2 small debts- both are 0 interest and almost paid off. Don’t lose hope- start small. Your smallest debt first. Chip, chip, chip away, Sis! Do a No spend challenge to save more than usual. I go into some detail in this video on how we started: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-2zU08Z5ELWI.htmlsi=4yPdoXMVsk_jK35n

@nancyaguirre1784 10 месяцев назад

thank you! yes i am going to start with a no spend challenge as impulse buying is my main issue right now! thanks for the free resources you provide us with! its helpful. @@2SisterBees