How to Start Cash Stuffing | Cash Envelope System for Beginners | Dave Ramsey Inspired | Budget 

What an incredible testimony!!! I love this!! Dave Ramsey always says it’s never too late and I always get so emotional listening to people who are retired do their debt free scream and say it’s their first time being debt free 🥹 so powerful! Proud of you Debbie!! 🙌🏼🙌🏼🙌🏼

Amazing

Yesss!! I'm proud of you!!

this is amazing! you really show how anything can be done, you should be really proud of yourself ❤

Yes he does. God is faithful 😃 hallelujah 🎉

Yes and it starts to accumulate!! 🤩 my sinking funds envelopes have no problem accumulating, it’s the cash in my wallet that seems to disappear 🤣🤣🤣

I noticed that about myself too. 🎉

I completely agree with this. I told my husband, when I forget to take the money out of the back, because I’m off my game, the money disappears quicker and it doesn’t get saved.

Not me🤣 my husband and i did this YEARS AGO. We called it the Dave Ramsey method. It works. Out of dent in 3 months

I love that idea!!!!

@@theaestheticdollar i actually used my canon printer and printed out the topics in cute photos so its still very aesthetic. Now i barely started and i havent been paid yet but so far it looks good!!

Or..they're like 8$..on Amazon

You got this! It’s so fun 🥰

Thank you so much! 🤗

Leave kids at home when shopping instant saving

🥰 it’s been on my to do list for literally 3 months!! I realized there’s not a lot of videos out there like this! 🫶🏼

Yes!! 🤩🤩🤩

Yesssss 🙌🏼

Cheering you on throughout your journey! You got this 🖤💪🏼

Your comment made my day! 🥰 cheering you on always! Love hearing about other peoples journeys!

Of course!! I hope it blesses you 🫶🏼

I figured it was better to jump in and pay with cash now rather than waiting until I had the “perfect” system. Good for you. The biggest hurdle in cash stuffing is getting starting. Concepts such as fixed and variable categories can be daunting. No worries. You get an "A" for effort.

You got this!! 💪🏼

@@theaestheticdollar update, I got some envelopes and I’m gonna cash stuff the problem expenses this month!!! I think I got this!!!💖 thank you!✨

Awe thank you for watching friend!!!

🥳🥳🥳 love cheering you on my friend!!

You should totally do it! There’s a whole community of people ready to support you! So proud of you for starting a channel! 🤩🤩🤩

Welcome to the channel 🥰

Great question! We have money in the bank (both check and savings). We only take out cash for things we choose to cash stuff for ( for us it’s typically things we may forget about or overspend in). We decide how much to cash stuff when we make our budget :) For example, we don’t cash stuff auto-pay bills, groceries or gas.

@@theaestheticdollar aha! I get it! Oh thank you so much for the quick reply! I’m fascinated by this trend I didn’t know about (although some 15yrs ago I remember doing paper envelopes when I started budgeting as a very young adult!) 💕💕

Hey! Great question! I guess I’m not any more worried about that than I would be if someone broke into my house in general. I feel like between our TVs, Xbox, and laptops, they’d probably go for that stuff first 🫠 Either way, we keep our money in a locked gun safe, guarded by two giant German shepherds, so I guess it’s really never worried me at all 🖤 What does worry me though, is how bad of a Financial spot we were in before we started cash stuffing, and I never wanna go back there 🙅🏻‍♀️

Thank you!

Great question!! My husband and I are both self employed and our income is never consistent, I feel ya on that! What we do is pay ourselves at the beginning of every month with our profit from the month before and then budget out that money for the entire month. It’s never perfect, and it took us about 6 months to really get the hang of it. If I were in your shoes working to get to that point, I would budget out the money each time Im paid and decide exactly what I’m going to do with it (give it a job), even if that’s saving, paying off debt, paying the light bill, whatever 🖤 hope this helps!

Thank you so much! Your comment made my day! 🖤

There are a few things to watch like checking you have received the right change or making sure you don't pull out an extra note/bill or drop any etc. In the UK they changed us over from paper to polymer notes which can slip out of purses

What if you used play money, treating it the same way you would if it was real - pulling it out of your envelopes as you “spend” it using your plastic. That way you’d still have the visual of what’s been used and how much is left.

Hello! I cut it up and removed it from all my devices to get rid of the temptation, then I paid it off and closed the account 🖤 You got this! I’m cheering you on!

​@theaestheticdollar Thanks so much for the heart and for taking the time to reply to my question! ❤ I really appreciate it! My only fear is that I heard that closing credit accounts hurts credit score... but overspending hurts me too. I really can't be trusted with our friend, the debt rectangle 😂 Might just have to close it and take the hit!

If you need to remove the temptation ~ a couple of options ~ 1) completely cut up, throw away and close the account. This method will affect your score since length of credit history is a factor in determining FICO score. 2) My personal method is lock my credit cards from use unless I take the time to undo it. I put the cards in a bank envelope and put in the safe. This method doesn’t mess with credit score. The reason I do option 2 is because I have even gotten a letter from the bank saying they were going to close my credit card from lack of use. They give a deadline of when so make sure to use it and go home and pay it off. Hope this helps 😊

@Mo.Vintage15 Thanks so much for the tip!! I think I'll give option 2 to a try, but maybe get a trusted person to keep/hide the card. I really would love to close the credit cards and never have to deal with them again, but I worry about about being able to obtain a mortgage in the future. I think this is a good happy medium 😊

@@ivy_2300 understand!! If you have a friend you trust by all means allow them to hold them or another option is to get a small safety deposit box at your bank for safekeeping. Yes, mortgage companies will look at both revolving and installment loans when considering approval. I realize the ultimate goal is for everyone to pay cash for even the largest of purchases; however, that is not quite attainable to everyone quickly and they will have to rely on a mortgage to buy a home. Yet, keep in mind that a larger down payment is always a plus AND just because you are pre-approved for $123xxx doesn’t mean you have to purchase a home in that price range. If you find a home in a safe stable neighborhood, then go with it. You don’t have to purchase your forever home the first time. The biggest advice you should follow is meet with a mortgage broker to review your financial situation before house hunting. I am a real estate agent and I had clients do this to get advice how to improve their scores and, due to their personal situation over a course of two years, they worked hard and turned their financial life around and bought a home recently that covered all their wishlist because of the hard work they did. Best of luck with whatever you decide!

Thanks so much!

Go for it!! And tell me when you do it!! I wanna be your first subbie 🥰🫶🏼

I can only speak to what I would do if I were in that position 🫶🏼 so what I’d do is I’d find a way to make extra cash helping out a friend or doing a side hustle or something while applying for new jobs to get my income back up 🖤 in between that time if I didn’t have extra cash to out into savings challenges, then I would pause my savings challenges. I always make sure that me and my family’s basic needs are met first above all else 🤗

Thank you!!

Awesome, thank you!

This is such an amazing idea! I love this!

I go to the bank once a week so I guess I don’t think it’s any more tedious than going grocery shopping 🖤 if that’s your only option then I would say it’s definitely worth it!

Glad it was helpful!

Yes I could definitely do it weekly in your case :)

I recommend going and watching my A5 budget binder video! Or how to make a budget video! I don’t go over that in this video 🖤

Thank you so much!! 🖤

Awe thank you! 🥹

It’s definitely all about creating discipline and new habits 🖤

That’s not true 🖤

Updating what 🫣 the video?

@@theaestheticdollar Hi Emily - I was going to order the inserts for tracking but wanted to know if they are all good or will there be changes upcoming