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[Music] [Applause] [Music] [Applause] [Music] hey budget friends it's step with step's on a budget welcome or welcome back for another video Merry Christmas to you all this video will be going up on Christmas I'm filming on Christmas Eve so wishing you all a Merry Christmas or happy holidays if you celebrate something else thank you all so much for being here I wanted to start off with some happy mail and as you can tell I have a a plethora of so I will try to put the Tim stamp here on the screen in case you're not a lover of happy mail you can go ahead and Skip ahead but in today's video what we're going to be doing is Cash stuffing our month ahead and emergency savings I'm super excited because we are going to finish up a few things that I have been working towards all year so stick around for sure for that but let's start with some happy mail um I have tried to get in to all of these I hope I at least opened them all so this is my um December membership for marleene over at snow Gardner 307 and we've got a little Happy New Year's challenge it looks like as always double-sided so we got a mini and a scratcher and then best friends are the perfect gift and we've got Georgette and Fred Jr and she's made this into a challenge and this is her Christmas card I believe so um thank you so much Marlene I have loved being a member of your channel this year so um I'll set that to the side there and our next card comes from Dany over at craftco budgets so let's check this out oh my goodness this is an amazing card merry Christmas happy New Year she must have had these made or made her made them herself sort of Merry sort of scary love that um and then we've got a challenge on the inside here for New Year's sa 40 that's awesome uh wishing you and your family a very special Merry Christmas and happy New Year Dany you guys go check out Dany she has an amazing Channel and an amazing Etsy shop so go show her some love and support okay I've got to look at this one this one comes from Amber so let's see o that's a pretty card Merry Christmas and it is stacked full of goodies let me just kind of read this I'm I I'm always nervous in case people don't want me to read them so this is Amber at chasing dream budgets on Etsy and on Kofi and it sounds like she has a YouTube channel but she hasn't posted anything yet so maybe a 2025 goal for her um oh that is so sweet Amber thank you so much for the challenges and the beautiful card I'm going to hang it up with all the rest of my cards let's check out what she sent in here you guys so forgive my crinkling okay let's see cute Let It Snow with a little snow shovel that's a super cute card or sticker sorry so chasing dream chasing dreams budgets on Etsy you guys this is super cute very plannery I love that um her challenges are really it looks like she prints them on photo paper um they're very sturdy really good quality then we've got a birthday one save 60 that's super cute it's very hilly isn't it maybe these are the who's save 45 love that we've got Santa save 50 cash money save 55 and then we've got some Elves save 50 super cute and then we also have a couple of mini challenges so we've got kind of like a little winter scene different numbers here and then this one's a pink Christmas with just the ones so very um very nice challenges thank you so much Amber these are wonderful let me set these to the side I'm going to run out of room really exciting cuz there's a lot of um Christmas challenges in there that I can start to use for saving in 2025 all right this next one comes from Restorations by Autumn and we've got a Christmas card Merry Christmas oh cute and and a 2025 new year new Grace new praise ooh oh and I like the way this feels it's like kind of vamy feeling I think that might be what it is super cute super fun and let me just peek at the card and make sure um everything's okay to share she step may you be blessed with the trimmings and Treasures of a beautiful Christmas season I so love your videos hope you have a blessed Christmas with your friends and family love autumn oh thank you Autumn this is so sweet love that thank you so much for thinking of me you guys I I am a very like awkward gift receiver um I I don't know I just like have a hard time accepting that people think of me this way so I am so truly grateful but I know that I come off as awkward and I hope that that reads as as still being very grateful cuz I am I just don't know how to express it to you guys um so this next one comes from Brenda let's check out what Miss Brenda says happy holidays Steph Merry Christmas to you and your family I hope you receive one blessing after another this coming year I created this challenge wanted to send you this as a gift Brenda Mackie oh thank you Brenda and this is beautiful thank you so much and look at her she's stunning save 50 oh I cannot wait to save with this in my um Christmas binder for this year and we're going to be setting that up together here really soon you guys also Brenda this is a beautiful challenge very well made thank you so very much okay let's keep going I've got too many here okay this next one comes from Miss Don and look at this Christmas card very sparkly very glittery so let's see what Miss Don says oh Don you are the sweetest so this is Don with Don Sunrise budgeting you guys she is on her road to 1K please go check her out she has a wonderful Channel she's doing all the budgeting things trying to save pay off debt all the good stuff and she's just wishing a um I'll keep the message private but a a Merry Christmas and um so sweet Don I absolutely adore your channel as well my friend okay and then we've got a little 2025 kind of mini challenge in here may your 2025 be filled with love laughter and kindness thank you for your support and friendship Don's Sunrise budgeting super fun Don thank you so much try to get that added into my minis okay this next one um comes from Miss Dena over at um budgeting by Dena us so I did place an order with her and let's check out what I got here but she's also thrown something extra in there I can see so let's see so thank you for supporting my business you guys this is Dena over at budgeting by Dena us definitely go give her a um follow here on YouTube and Etsy and she's got a little bonus snowman challenge in there super cute Dena and we've got this cute little challenge we've got whoops a be on this side save 40 and then there's a little frog on this side for Save 80 so kind of doubling up and that is what I ordered um and then we've got something a little extra and special a never forget the difference that you make that is so sweet Dena thank you so much and this is an ornament you guys so I'm going to Ty this up and get this on my tree so cute I I'll probably leave it out to after Christmas because thank you Dena so much I I treasure This truly thank you so so much I'm going to set it up there okay let's check out this one and I hope that Miss Libby doesn't mind me sharing she was so sweet to send me some some happy mail and she is a subscriber of mine I don't believe Libby does YouTube or anything like that but let's check out what's in here let's start with the card and I'm going to just read it and make sure you know we're everything's okay she says thank you for being yourself and showing it's okay to have oopsies um and she doesn't have a cofi or Etsy so she's supported some other budgeters which I absolutely love so these things come from from Isabelle Gigi um Eva at Eva uh budget your life and then um save with Judy and then hey K budgets also so a very beautiful Christmas card Libby thank you so much you I absolutely adore seeing you in the comments um you are always there supporting and rooting um and just leaving kind words and I can't say thank you enough for being here and um extending your friendship to me thank you so we've got some super cute stickers love those and then we've got some super fun paper clips and a little binder clip and these I think are the tinies that yep these are what come from Isabelle Gigi so we've got kind of some 90s and then we've got like this double dice which I think comes from Eva and let's see what's in here also let me just I feel like I've been recording forever so let me peek at I wanted to make sure I was still recording okay let me get in here Libby has wrapped this up really well okay super fun just breathe these are like little magnetic Clips I love these you can use them as money clips or in your binder be happy this one is Beautiful live a life of Love A these are so great Libby thank you so much I will definitely put these to use in my budget binder for sure I absolutely love them and they're very like heavy duty magnets too you guys Okay so we've got these little minis let's see what's in this one I'm just going to savagely tear tear into these cuz is there any other way to open presents I don't think so cute oh this one's from heyk budgets love them so cute okay definitely going to go in my Christmas binder so great choice Libby thank you and then let's see what's in this one and this one is from save with Judy 2025 challenge save 100 awesome another good choice Libby thank you so much and thank you for um you know supporting other budgeters that's so amazing of you and I'm going to hang on to these because I'm going to definitely put all of these into really good use I'm going to put my little paper clips in my little paperclip drawer right here that's overflowing it overfloweth with love okay all right friends one more and this is an order I placed with Cajun girl creates and I am super excited for this so this is what I ordered I'm not sure this is like extra goodies or something let's start with this okay again with the savagely ripping in look at this amazing book you guys let's check it out we're going to flip through and look at it together so we've got the Grinch we've got like a savings tracker that's super cool and then this is just a book filled with challenges you guys I was looking at her shop the other day and I didn't see this listed anymore so I don't know if she sold out if she plans on restocking so maybe just go give her Etsy Shop a follow if you're if you see this and you like it you could probably message her um or you could give her shop a follow and see if she's going to continue to have this so we've got save the letters this one will save 121 so you know these are going to be spicy we've got the Grinch oh that's a cute Max Merry Christmas love that one I just thought this was so cute uh leave behind the brench in you and be a Cindy lho how sweet is that and then we've got the whole gang here I like that this is like the original Grinch animated version super cute I'm a mean one Dear Santa I've been very good for the last week or so let's just focus on that cute got the Grinch in his heart naughty nice mean and we've got the who's and then there is the back oh there we go actually I think this is this the cover no that's the back and um but I did see here the book totals 1,500 plus so lots of savings happening there all right let's see what's in this guy I guess I probably should have started with this fun I've got a little scratcher tool and a candy cane some fun little Christmas decorations super cute and then I guess I should have started here cuz here's her card this is Nikki with Cajun girl creates huge thank you for jumping on board with my little creation your recent purchase has made me has me doing a happy dance cute that is so fun I love this little note oh and then we've got some Grinch money too this is so cute what oh my goodness how cute is it um it's kind of like a wood cutout you guys a very merry Holly Jolly Christmas oh thank you Nikki this is awesome I you guys I just it's hard for me to have words so thank you everybody so much for thinking of me and sending these my way I just I I can't say thank you enough truly I cannot all right let me get this out of the way and see if we still have room to take care of all the things we're going to take care of today let me make sure we're still recording all looks good there so we are going to stuff our month ahead and our emergency fund so let's go ahead and start with our month ahead like we usually do so we're going to get into this binder and if you are new to my channel I have been working on this month ahead for a while I think in my last video I said at the beginning of 2024 but I've actually hit a year of working on this in October and I started my emergency fund in 2024 but I am doing the snowball method I cash stuff $33 per paycheck towards my month ahead it's just a number that could fit in my budget I had 11 envelopes to start so each category got a very low dollar amount of $3 per per envelope each paycheck um you are going to be surprised to see how quickly that $3 per envelope really built up so we have fully funded our internet we have fully funded our subscriptions for the year and we have fully funded our home water bill so we have fully funded three categories and I'm doing mine in the snowball method so what that means is each envelope when we started got $3 once we finished internet its $3 got added to subscriptions so this one got6 at a time and then we finished with $3 per envelope once we finished this we took it six rolled it into water and water was getting nine and then each envelope we' get three now that this one's done our gas bill now gets $12 per envelope and then each envelope after gets $3 um we are going to start with our natural gas bill so um we actually only need $5 more doar to reach our $300 goal for this one I'm going to give this a count really quick and make sure that that's the case we've got 20 40 60 81 20 40 150 60 70 80 90 2 10 20 30 40 50 60 70 75 80 85 86 87 88 89 90 91 2 3 4 5 yep 295 so what I'm going to do is I'm going to take one two three four five of this money because I forgot that I was close to fully funding this I'm going to take five in the ones out and I'm going to put the $5 that we need um into here and this is going to fully fund our gas bill at $300 you guys so this one is done yay now it didn't need the full snowball normally I would stuff $12 in here but I only needed $5 which means the other $7 is now going to go into the next envelope so we're going to call this one done I'm going to grab a fully funded slip from back here um these um came from my friend Carla over at Sweet and Sassy budget she custom made these for me um I love them they're like a Vellum placeholder so I'm going to put the fully funded into gas you guys my goal for this year was to fully fund two categories and we have done four now I I have also been adding money extra money in here when I can like on Magic months I've also um completed a lot of mini savings challenges for my Monday minis to to increase what's going in here so um you know I'm finding other ways to get a little extra money towards this savings as well so that's how we were able to get you know so so many more done but four done now we are on electricity which means the snowball is going to roll to electricity so this was getting 12 it will now go to electricity and that means each paycheck when we start here it's going to get $15 at a time and then the rest will get three so you can see that snowball has went from $3 all the way up to 15 already and that's how you know your snowball gets bigger and bigger and you finish things faster and faster so um we are going to take the $7 That was supposed to go in here and the $3 that was going to go in here so this envelope is actually going to get $10 today so the snowball begins now so hopefully I'll get through all my envelopes and I math that out correctly we shall see so we got 1 2 3 4 5 6 7 8 nine 10 going into this one unfortunately all ones but that is okay so electricity is now the new one that we will begin to grow okay the rest of them are just going to get their $3 per envelope so our next category is cell phon so we've got three going into this one now um we have hit $100 in each of these once we hit that $100 I went ahead and pulled that money and put a placeholder in there just so we don't have quite so much money sitting around and um we can earn a little interest now on our savings and our high yield next up is our Subaru payment this is my car payment so it's getting $3 and then we have car insurance also getting $3 and I do kind of have these I probably need to re-evaluate because a lot of things have changed in the last year um but I have them ordered smallest to largest but I don't think they're quite in the order anymore next up is our debt so we're just trying to save the minimum payments on our debt you know that we would need to for the month okay and then we have our truck this is my husband's vehicle it's going to get $3 and it looks like I mathed all of that correctly which is a miracle in itself you guys all right so mortgage is going to get the last $3 which means um we have in all of our envelopes 100 5 10 15 20 1 2 3 4 24 and all of our envelopes um four fully funded electricity H is going to have a little bit more let's see what's in this one we've got 100 5 10 15 20 1 2 3 4 5 6 7 8 9 30 31 so 131 in electricity 124 in the rest so that's it you guys that right there is just proof of small amounts adding up we have four envelopes essentially kind of eliminated for building our first month ahead and we'll finish working on the other seven now so we're doing good okay month ahead that one's done our second piece of work we need to do here today is our emergency fund so at the beginning of 2024 I set a goal to add $11,000 to our current emergency fund so it sometimes can be challenging trying to find the balance between paying off debt and saving at the same time it is definitely possible you get to do it the way you want to if you if you're not interested in Saving and you want to focus 100% on debt payoff only you get to do that if you um are more interested in building savings for whatever reason I know a lot of people go through challenges financially with their job lots of different reasons and um you know might pause debt and make the minimums and kind of really beef up savings for a while you get to do that this is personal finance you get to do it your way no judgment you guys I personally like a balance of debt and savings so like I said we wanted to add $1,000 so I created this binder at the beginning of the year I had a set of challenges from spooky budgets that totaled $1,000 and we have worked through them the entire year um you can see these are all the ones we have finished we are down to our last $50 in savings and we only have two scratch off areas left so let's go ahead and scratch these two off and make sure I had enough money so I had $2 left over from last week and then I had $9 that I budgeted to hopefully complete this so let's scratch these off and make sure you know we're good so nine that one's a six and a five which is 11 which seems like good math there because I had nine and two which is 11 oh my goodness last the last time we were in here it was so hard we were $5 away from fully funding the gas on the month ahead and we were um like $9 away on the emergency fund it was hard not to go and find that money and save it for this payday but that's what we did and so today feels like a giant fat win all right let's put this money in here let's count it and make sure this adds up to our last $50 and we have 10 20 25 30 3540 1 2 3 4 5 6 7 8 9 and 50 that's it you guys we officially completed this full set of challenges and saved the extra ,000 in our emergency fund now as I finished these throughout the year you guys I've um you know I unstuff them at my like when we do our monthly savings challenges and so that money that as we've been saving it has been earning interest in our account and this is going to be the last $50 we need to add and I'm going to go ahead and grab Sharpie and we'll mark off our last little spot here all right you guys there it is the Wednesday 50 is completed all challenges done for $1,000 so we met this goal in 2024 we are definitely going to continue this into 2025 I'm excited to show you guys here the new setup we'll set up the new binders um I'm excited to show you the new challenges and we're going to go over over the amount we're looking to save for next year feels so good you guys small amounts really do it so these two binders were the savings goals so my priority is debt payoff too but I like to have a balance and so I found a small way per paycheck to kind of hit some savings goals so like I said we do $33 per paycheck um and we're paid twice a month two months out of the year we get that third paycheck for the magic month but we get paid twice a month my husband and I and we put $33 per paycheck to the month ahead and then to hit the $1,000 for our emergency fund we set aside $40 which actually comes to about 1,020 but it's the number we needed to be even to get where you know we saved the Thousand based on like the challenges and stuff so not like you know that could be a large amount to some budgets um it's kind of what we could make work but in the grand scheme of things you know finding the $73 per paycheck has been amazing to see how that amount has really built to something so much bigger all right guys I'm just rambling on and on again I want to wish you a very merry Christmas happy holidays Happy New Year you guys thank you so much for being here all your support it means the world to me I hope you'll stick around in 2025 to see how things go um if you like this video give me a thumbs up hit that subscribe button to stick around and we'll see you in the next one bye friends [Music] [Applause] [Music]