hey everyone welcome back to my channel my name is Emily and I am a self-employed Mama of four my husband and I are on a journey to become debt free using a zero-based budget and the cash stuffing method because our biggest goal is to invest wisely and give generously so if you're interested in learning more stay tuned [Music] okay so let's go ahead and dive right into this week's cash stuffing and I just want to say to anyone new watching this video Welcome to the channel I hope you'll subscribe and hang around because we have a lot of fun over here so today I'm going to be cash stuffing a total of 1 345 and this is the teller slip that I brought to the bank and they gave me all of the denominations that I needed and so I'm going to go ahead and start with unstuffing my wallet and I posted about this on Instagram this is a new wallet I'm trying out just to decide if I want to um make it available in my shop I just want to make sure that the I don't know that the quality is good enough so um the only thing that I really don't like about it is that there's no room for coins and so I've been carrying around like a little coin pouch which is actually my old wallet I just kind of my I carry around a backpack because um I have a baby she's like almost one and a half but I carry some things around in a backpack and so normally I have plenty of space so that's the only thing I don't like but every time I think about um like switching switching everything back into this wallet I like can't bring myself to do it because I really do like like how slim this is and it's just it's really pretty so not a ton of coins today um but honestly I didn't do a ton of spending this last week I just we've been really busy with like family stuff and just like going places and yeah so um let's see here I already took my receipts out so I've just been putting my receipts kind of in this little pocket right here which has been nice um I took my receipts out and I am going to scan those into my fresh Rewards app they're just like sitting right over here on the counter um right next to me but so I'm gonna scan those in and oh here they are it's like where are they so yeah these are the my receipts from this last week so I'm gonna scan those into my fetch Rewards app you guys we're gonna get through this video I like can't talk today but anyway I love fetch rewards because um I've been able to accumulate points just scanning and receipts and then you can turn those points into gift cards which is awesome and you can also do like online receipts too which is cool so if you use my referral code um you'll get bonus points and I'll get bonus points and it's pretty cool so I'm going to take my clothing envelope out I did um do a little bit of shopping so that's kind of why I like having like a wallet that has the A6 size in it because I can like flip out my envelopes from my like binders into my wallet because I do not carry my binders with me when I shop I just like take whatever envelope I know I'll need um so let's start with unstuffing so I have 30 left in spending and this I'm gonna put into my savings challenges this week eating out is completely empty I believe we started with 10 in here and I stopped and got food one day because I was like starving drinks has five and I'm Gonna Roll that over um somebody asked me in the comments like how I decide what to roll over and what not to roll over so normally during the month I will just roll over um anything that's not my my personal spending money so my personal spending money is all I put into saving challenge savings challenges during the week and then the rest of this comes out of envelopes that are in here so since my husband and I share all this money I don't roll put those into savings challenges until the end of the month um drinks like I said has five left over so kids has three left over and I'm gonna leave that in there this week again just roll that over and so an example of my kids envelope people ask me a lot of questions about this they're always so confused like I said why I only stuff five dollars in here this is just for like little little things that I want to say yes to um and even like if I'm out and about and I find something that I think one of my kids would love and I just feel like surprising them with it I will so for example this is just like sitting right here I was at the Dollar Tree earlier and I found this my four-year-old Rowan is obsessed with unicorns and I found this cute sticker book and so it just has like all these stickers so you can like make your own unicorns and then yeah so I thought that was really cute and it was a dollar so I used cash out of my kids envelope to pay for that um that's why there's three dollars left because it was a dollar 25 plus tax and so I had um some coins and then three dollars is what I had left over so I'm gonna leave that in there um I might even stuff five in there like in addition to the three we'll see Nails had nothing kindness and miscellaneous again rolling these over these are just for like if I feel like using them so kindness is any random act of kindness that might like come up where I can bless somebody and then miscellaneous is just like you know for those moments where like if my kids envelope was empty I may or may not have used this cash to get the sticker book so this is these stay always I rarely spend these um but I just rolled them over so anyway so now we're gonna re-stuff um everything that's in here and I'm gonna open up my A5 binder I'm getting close to getting these done um kind of so what's going on with my printer you guys it's leaving like little it's you guys might not even notice but it's it's not on this page but it's really subtle let's see if I can find a page that has it on there because any of my like goofy Pages I'm just using for myself instead of throwing them away so a lot of these Pages were pages that printed wrong um see and I don't even like notice it up here oh here we go does this have it on there a little bit so I don't know my I don't know if my toner is like doing it I don't know what's going on my husband's like you need to just return the printer and get a new one so I don't I don't know what I'm gonna end up doing but it's making the printing process like way longer than it needs to be so but I am getting close I'm like printing these off in my office and I have um over 40 of them to print so as soon as I get them done I will be mailing them out just a little update if you're somebody that ordered um my A5 um budget binder so okay this is what I'm stuffing this week and then this is what I started with last week so after the video I'll go through and I'll um fill in how much I spent and how much I have remaining and then this is what I'm gonna look at for today so I'm just gonna set this off to the side perfect so for spending I'm gonna grab that out of our low priority sinking funds I do stuff this at the beginning of every month me and my husband's spending cash okay so I have 70 left over um so I think I'm just gonna I'm just gonna put it all in my wallet and then when I cash stuff next week whatever's left over we'll go into my savings challenges I think that's probably gonna make the most sense so I'll put 70 in there and I've been doing a really good job not spending money on like frivolous things lately because I get so excited to put the extra cash into my um savings challenges so eating out's gonna get ten dollars as always um drinks I'm not gonna stuff um I actually don't even think that this five belongs in here but I'll just leave it in there anyway it's fine um kids I am gonna do five additional in here I think just because and then whatever's left over in here at the end of um when I cash stuff next week I'll just put that into savings challenges because they have a ton of cash in their thinking fund envelope in my binder so Nails I'm not gonna stuff and then kindness and miscellaneous are both going to get ruled over so that is it for my wallet and I don't know you guys might see this wallet next week or you might see my black one I just I haven't decided yet Okay so next we'll do my savings challenge real quick um so I have my one dollar savings challenge here five dollar so we're gonna be adding to the 10 savings challenge like don't know where my pen went okay so we're gonna add one ten dollar bill to this all right so let's see what we have we have 10 20 30 40 50 60 70 80 90 100 10 20 30 and 40. so 140 saved and at the end of this savings challenge you save 520 dollars I do have these on my shop as a digital download so you can like reprint it like over and over and over and over and just continue to do the challenge just a fun way to save okay so and then my twenty dollar savings challenge is gonna get 120. I on 20 in the savings challenge for a really long time and now I feel like we're starting to really accumulate them okay so now we have 20 40 60 80 100 and 120 and then at the end of this one you save one thousand and forty dollars I think once I start seeing this stuff accumulate it makes me excited and then I don't spend as much so I'm glad I decided to do these okay next we're going to hop right into our high priority sinking funds and so I'm gonna flip to my page here so I'll show you what I'm looking at in my in my binder so I'm looking for okay March the fourth week of March and so I just went through and wrote In all of my totals that I had budgeted for in my zero-based budget and then the denominations yeah so this is what I'm going to be looking at I'm just going to set it off camera or else I feel like it gets it gets a little bit cluttered okay sorry about that I had to plug in my phone because my battery was dying so okay we're gonna start with high priority syncing funds and this week groceries is going to be getting 25 and I am going to be stuffing my business binder this week as well so we're gonna hit up all the binders this week all right so groceries has 20 40 60 80 100 5 10 15 and 20. so 120 in groceries and I talk about this in every video but that's just because you know if you're somebody new who's watching and you're like oh my God how does she only budget 120 or 25 a week for groceries for a family of six I don't I am we budget one thousand dollars a month and um I do all my grocery shopping online so this is just for like if we are in a pinch and need like milk or butter or something like that we'll run to like there's a really expensive grocery store well some things are really expensive there um that's really close to our house so sometimes we'll go there and get groceries and we just take cash with us for that so household is going to be getting 20 dollars this week and so now household has 20 40 60 80 100 120 130 35 36 37 so 137 dollars in households vehicle maintenance is going to be getting fifty dollars all right so vehicle maintenance now has 100 200 300 350 400 450 500 510 11 12 and 13. so 513 in vehicle maintenance so I will probably do a condensing soon ish so I can put a 500 placeholder in that one co-pays is not getting stuffed but I actually owe my clothing envelope um thirty dollars because I went to the chiropractor this morning and forgot to grab this it was kind of like a I was by the office and I called and they could fit me in so I just went um so I'm actually going to put this into my clothing envelope um and clothing actually needs to go right here I like to keep them in order with how my sheet is laid out so I'm gonna step clothing really quickly here and clothing is gonna get twenty dollars so let's get this in order here okay so now clothing has 20 40 60 80 20 40 50 55 56 57 58 59 I think that was right 159 I want to do that again that seemed wrong 10 or 20 40 60 80 100 20 30 35 36 37 38 39 139 I think that's what I said either way I like counting this every um week which is actually one of the reasons I decided to um switch to cash stuffing weekly because then I have like an idea of how much I have in each envelope um personal hygiene is going to be getting 20 this week so now personal hygiene has 120 40 60 80 200 10 20 21 22 23 so 223 so this shampoo and conditioner I get are like super duper duper expensive but it is like the best and I've never been able to find something I like more I am currently trying a new shampoo and conditioner and I'm not 100 sure how I feel about it yet so we'll see it's way less like way less than the other stuff I get but I'm gonna I'll report back um let's see baby needs is getting 10 my sister told me about the shampoo and conditioner I got it off Amazon I think it's called not your mother's um so that's the new stuff I'm trying and it's yeah I mean it's fine it's just not as good as the other stuff but you you get what you pay for so baby needs is um now has 50s 70 80 90 100 10 20 and 25 so 125 dollars in baby needs we mostly just use this for diapers and wipes it's really at this point like she's almost one and a half so at this point that's all she really needs like um extra like she's kind of like transitioning out of bottles and stuff she's not quite one and a half she's born in December so um so my husband must have gotten dog food which I'm so proud of him for grabbing cash out of this envelope so shout out to Chris um we've come so far you guys okay so pack here's getting 30. so now it has 20 30 40 50 55 56 57 58 and 59. um I like literally my budget an extra one dollar or like maybe I'll budget an extra five because next time I cash stuff because there's some of these envelopes that I have like a lot of like they end in nines so it's just like I don't know I like round even numbers and then it's fewer bills in the envelope too you don't want to overstuff these envelopes that's for sure or else they'll start like they'll start curling if you like overstuff them so you can see some of mine they're not curling too bad but they're definitely like way too full so Sam's Club is going to be getting 20. so now it has 50 70 90 110 in Sam's Club all right and miscellaneous it's gonna be getting five this is just for anything I forget to budget for so 20 25 30 35 40 45 50. and that is it for high priority will hop into low priority syncing funds next all right so eating out is going to be getting 25 but I put 10 in my wallet so I'm gonna do 15 in here some of these bills are kind of wrinkly so they're like hard to grab onto all right 10 20 30 35 40 45 50 55 51 52 and 53. drinks is gonna be getting 40. yeah I definitely think we'll potentially skip this next month I mean we just like like I said in my last video we've been so busy and I mean my husband and I barely had time to hang out the only time we really have drinks is like after the kids go to bed we might like watch a movie and have like a drink it's nothing crazy um okay so 20 40 60 80 100 and 120. like that's almost like we're almost like a month ahead with our drinks budget there just to give you an idea of how much we're not drinking so we're not stuffing these two next week we will be stuffing those too because it will be the first the first week of um April which is just like crazy to me okay so home renovations is getting 25 we're getting to a place where we can start putting some trim in we've not had Trim in our house for like two years it'll be really nice to see what that looks like 20 40 60 80 85 90 95 100 in home renovations she's like what is so expensive um but honestly we just haven't had time to work on anything we we do have like um money in like a savings account from like a while ago that um we added like an insurance claim so um we kept we did a lot of the work ourselves so we had extra money we kept that in our savings account so we could use it for like other projects um well not really other projects it has to do with the damage it's just like we're doing it ourselves I guess is a better way of putting it um so kids I already stuffed kids so I usually budget five dollars a month or sorry five dollars a week for kids and I put that in my wallet so um Family Fun is not getting stuffed um hockey is gonna be getting 25 so my husband went to the hockey store um and spent some money obviously because we did have money in there but it was things that the kids needed so gifts is getting ten dollars um like he got our four-year-old an actual hockey helmet because she's been using her bike helmet when she skates and then I think they went like on Liam's birthday so he ended up letting Liam get some hockey trading cards so all right so twenty dollars for nails date night is gonna be getting nothing so Day date night Target and organizing I'm not stuffing this month um memberships is getting 10. all right so now we have 100 150 60 70 80 90 200 five six seven eight and nine 209 so there's another place I could like have an extra dollar so I think when I do my condensing video I'll just like budget out like 10 extra dollars so that I mean technically I'm not stuffing it well technically I am I think that's what I want to do though drops is getting five this envelope might be going away I don't know I don't feel like that the pods are cleaning our laundry as well anymore I don't know if it's just me or not but sometimes when I wash the laundry I can kind of smell my husband's cologne on his clothes still and yeah so I haven't made a decision on that my sister is making some homemade um it's basically like baking soda but she's making her own laundry powder like detergent powder and so she's trying it out and then she's gonna report back and let me know what she thinks and so I might actually just be switching to that but we'll keep saving for now just in case um but 5 10 15 20 25 26 and 27 for drops and this is a subscription that comes out every six months so and I just had that subscription go through so we're just building this back up seasonal Lawn Care is going to be getting five dollars and the snow is finally melting so yay um 20 40 60 80 85 90 95 100 5 and 10 so 110 dollars I told my husband that for Mother's Day I want some raised garden beds um because I want to plant like a lot of vegetables this year so wedding ring is getting ten dollars so now it has 50 70 90 100 10 20 30 and 40. 140 dollars got a ways to go there but at least I'm saving something for it 10th anniversary is getting 25 all right so now it has 100 200 250 70 90 310 330 35 40 45 and 50. so 350 dollars saved in 10th anniversary all right and then travel's the last one in low priority and that is getting five today so now it has 50 60 65 70 75 80 and 85 in travel all right and that is it for low priority sinking funds so next we'll do I'm just going to put this on top because we're doing business last so holidays thinking funds okay let's see what we have here I'm not stuffing all of these um so Valentine's Day is not getting stuffed Easter is getting ten dollars and stay tuned because I'm gonna be doing a video of a haul for my kids Easter baskets so 110 20 30 40 50 60 and 65. so 165 dollars I like I feel like Easter is really early this year but maybe it's not I always thought it was like later in April but it's the 9th which is crazy um Fourth of July is not getting stuffed Halloween's getting five these fives are so bad like look at that oh my gosh all right so 20 40 45 50 55. Halloween this is for the kids costumes candy to hand out to the kids my four-year-old loves crafts rolling is such a craft girl so we always have to get like festive crafts every time there's a holiday um Thanksgiving is not gonna get stuffed Black Friday is going to be getting supposed to be getting 10. I don't have any tens left oh well okay so Black Friday is not going to get stuffed which is fine um Christmas though is gonna get 50. I'm sure I'll find my mistake when I come back to edit this all right 100 200 300 354 455 550 570 590 600 okay okay 600 in Christmas so here's another one where I'll be able to put a placeholder in here I've never had this much saved for Christmas before you guys I'm like super stoked and like my Black Friday envelope too if I don't this is just in case there's any good deals or we need anything it's just in case if we don't end up buying anything on Black Friday I'm not a huge black Friday Shopper anyway but we don't end up finding anything all of this money will just get rolled into Christmas New Year's Eve is going to be getting five dollars so now it has 20 30 35 40 45 and 15. this is like the saddest Vibe I've ever seen I don't even know if the bank is gonna want that back I don't even know to just spend it somewhere okay um you know what I'll probably do is I'll probably switch this out for a five in my wallet does it have tape on it oh my gosh I'm gonna switch it out now so I don't forget that is insane that is insane okay where would I spend very nice nice it's way better that way we can get rid of that when they're that like they're that bad they just they're hard to handle like in the envelope so funny okay um birthday parties is gonna be getting 50 all right so no birthday parties has 100 200 250 300 350 370 75 76 and 77. birthday parties all right and then back to school is going to be getting five so now it has a 50 70 90 95 100 5 10 and 15. stuffing this maybe I need to stuff more in this I mean I have until August but still I my kids have oh I'm not stuffing seasonal Decor right this month I'm not um my kids wear uniforms because they go to a private school so it's like I have to save up for school supplies but then also for their their uniforms like poor Liam's like uniform is already getting small on him because he's grown so much this year like I like you're gonna have to make it last until the end of the school year um so taxes I am not stuffing taxes this week because um long story short my um website people sent me an email saying there was suspicious activity on my website on March 16th because like you guys I I don't like talking about this stuff because I never want to sound like I don't know it's just weird for me um I didn't grow up talking about money and my husband's really private about our finances which is why you guys haven't seen like a full budget of our budget yet because like when I started my YouTube channel a big thing he said was like I'm totally cool if you want to do like your cash stuffing um but just keep like our income and like some of our stuff private because it's just not something that need the world needs to know about and he's just always been like that and that's okay I totally respect that um and so I didn't grow up talking about money either really it just wasn't I don't know it was never a topic of conversation in our house um I didn't you know we were comfortable um and that's what I remember about my childhood I don't know I just never really grew up talking about money and so sometimes it's hard for me to do it so if I ever sound awkward that's why but um so basically I have not gotten paid yet from my launch because they're investigating um the suspicious activity and I called them and I was like hey I had a launch and they're like no no it's totally cool it's just like protocol we have to make sure like someone isn't like scamming you or hacking into your your website which I appreciate that level of security so it's totally cool but I'm not stuffing taxes because I don't have the money yet so um uh so I am going to be stuffing the rest of my business binder today um I'm working on kind of coming up with a video on that so that you guys can um look forward to that I kind of have my system figured out of how I want to do this and there are some extra envelopes that I needed to add to so yeah um that's coming I have a lot of really good videos coming up you guys um a lot of cash stuffings like like normal um on stuffings and condensings but also some other fun videos too like I'm making a cash stuffing for beginners video um it's just all gonna have to be after I'm done with orders from my launch so they're coming a lot of things to look forward to okay so virtual assistant um I had a really good month um last month with both of my businesses and that's kind of why I wanted to refigure out my system and so I I work my business finances off of percentages and so a certain percent for profit certain percent for business expenses and then a certain percent saved for taxes because I am self-employed um and so basically I work off percentages and I just wanted to make sure I had like all my ducks in a row and I had all of the like categories I needed like there are some categories I missed so I'll be adding a few envelopes to this binder but yeah so I had a really good month in February and I just was figuring out how I wanted to cash stuff the money for that and so I decided that I want to get a month ahead in um for my assistance and like the things that I pay for monthly like the expenses I pay for monthly so that's what I'm gonna do so virtual assistant is going to get 120 that's how much I pay her per month um and then I'll be pulling some of this out at the end of this month to cover for next month too so 100 120 140 160 180 200 220 230 and 240. so actually um I'm right at what I need to be to pay for next month and then I'll be also a month ahead which was what I was trying to figure out Vibe Cloud cost me the same this is my emailing service um see here so that's also getting 120. so I should be about a month ahead in here too so 100 120 40 60 80 200 sorry guys okay 2 20 30 and 40. so 240 dollars for vipe cloud a condensing is needed these bills are nice though so it's a lot easier to like put them in here these envelopes also aren't really broken in yet so they're a little more stiff project broadcast is going to be getting its usual 40. so I am one month ahead here too because this is a monthly service this is Project broadcast is my texting service so 20 40 60 70 and 80. these are like so brand new like envelopes when they're more like broken like it's nice when they're new because they're all clean like they get a little bit dirty and stuff but like when they're like new like this it's sometimes like they're just more stiff um business expenses is going to be getting 20 dollars and the cursive font is for my incorporation 102 100 120 140 160 165. okay office supplies is going to be getting 20 as well so now it has 20 30 35 and 40 and office supplies it's like I don't know uh Staples and paper and tape and if I need a new Sharpie marker I don't know that's kind of what that's for and then travel is going to be getting 100 dollars and my next trip isn't until July but I'm saving up so 100 120 40 50 55 so 155. I haven't it's in um Dallas and so I haven't decided if I'm driving or flying yet okay and a lot of people ask what my incorporation is so I teach skincare and makeup and then I also am like a freelance um like I do wedding makeup so that's what I do YouTube oh I don't think I'm stuffing YouTube um office supplies is gonna be getting 20 and this is for the aesthetic dollar slash YouTube I combine the two um 100 120 40 60 and 65. so 165 in office supplies inventory this is kind of like my bigger ticket item it's gonna be getting 200 so now it has 100 200 300 350 400. shipping this is like boxes tissue paper bubble mailers it's gonna be getting 100. I messed up denominations somewhere you guys I know what I did okay 100 200 250 255. I messed up denominations somewhere um I just don't know where and then because organizing is supposed to get organizing is supposed to get 60 and I have 70 left so I think what I'm going to do just for now because I'm yeah and then that ten dollars that's what's going on it's just my denomination denominations were off because I did not stuff okay we figured it out sweet so ten dollars is gonna go in my Black Friday envelope I'm gonna put this in here that's right okay pull this out of okay so now we can stop organizing and then we'll just wrap up with putting our ten dollars in the Black Friday envelope we figured it out okay so now organizing has 50 70 90 100 110 and 115. nope yeah that was right maybe not you guys it takes a lot of courage to count money in front of people let me tell you what oh my gosh okay so then we'll put this 10 in Black Friday I don't know how I messed that up and who knows if it was like in my process of like doing my cash planning or if it was in the process of stuffing like I'll never know but it all worked out 50 70 80 90 100 10 20 and 30. so 130 dollars in Black Friday okay so I'm really excited because I am going to announce the winner of our 6K giveaway okay so I true transparency I have no idea who it is um today is actually Wednesday and this video is not gonna post until Sunday and the giveaway doesn't close until Friday so on Friday I will do the drawing and I'll insert that clip into the video um in just a second and you'll be able to see who the winner is [Music] let me go yay okay I'm so excited for you so here's the deal DM me on Instagram and um I'm going to send you my A5 binder not my A5 binder but I'm gonna send you a um binder so you can pick if you want gold or black and then I'm also going to send you all of the inserts all of the pages it's 12 months of all of my budgeting sheets um where you can track your income your savings challenges your debt your sinking funds do cash planning and then also track your online spending um so yeah I hope you love it and I hope it blesses you thank you guys so much for hanging out with me today and I will see you in my next video foreign