Month Ahead or a way to save for Debt Payoff

well hello everybody this is Dean welcome to my channel D plans and budgets yay it is time for this beautiful gorgeous gold shiny binder I get hypnotized every time I see it I want to welcome each and every one of you thanks for stopping by today I so appreciate it we are going to be doing this uh saving ahead for syncing funds next month in this binder and just for those of you who are newer or maybe that I haven't been clear enough in in uh uh explaining part of the reason I do this is because I do not have any debt but on my Channel I want to show people a good way to save for debt so I save a month in advance for my syncing funds when the month is over I take all the money out of this binder and I put it into my budget to use to stuff next month's syncing funds that's my budgeted syncing funds for debt if you had debt that is an amazing way to pay off your debt right you would save throughout the month with your savings challenges at the end of the month you would empty that out and make that debt payment you don't want to leave money sitting in a binder while you're paying interest on the balance on your credit card and not earning interest in the bank so part of the reason I demonstrate this really is to talk about how to pay off debt another thing this would be fantastic for is if you have a large savings goal maybe you save for this binder in cash and then at the end of the month you take out all the cash put it in the bank and you put prop money in it right this is another way to help you to make sure that you're making your or having your money work for you in the best way possible so for me because I don't have debt but I want to demonstrate that to you I I do this a month ahead I put $760 in cash every month and to be honest with you I even just recycle that cash because I just transfer the money out of my um account but I want to do this every month to demonstrate to you how to pay off debt that's my number one reason for doing this if I get a chance at the end of this video I'm going to talk about uh builda Farm how to use the freebies if you haven't figured out already and but and but but before we do anything look at this these are from my friend Denise Denise are you making these now oh my goodness these are just so cute look I'm ripping the package open like a heathen oh my gosh all right look at these they're little pins she must be making these she's taking the top off oh my gosh so incredibly cute I don't think Denise has a particular place that she sells these at but you know what she always leaves comments on my comments and and she leaves comments on other people's channels and so if you want to try to get a hold of one of these I bet you could leave a reply to one of her comments and ask her how you would go about getting one of these pens in the meantime I'm going to keep the red one right here look at that woo thank you so much Denise for thinking of me I really really appreciate that what a sweet gift okay shall we get started on this binder so that maybe we have a chance to talk a little bit about builda Farm I'm going to scoot this stuff over just a titch cuz I can there we go and I have my black paper out here so I don't color on my matte we are starting with mateline budgets and she sent me a whole set of these for free I am of course saving them all I'm going to reticker them and use them again because they are just beyond cute this can go over a little bit more want to make sure that there we go all right sorry let's start with this one here in the corner since I put a mark on it okay and we're only going to do this binder three times this month I don't necessarily need to finish this this month but I can cuz I'm just going to reticker it so let's do another one I'd like to use up a whole 20 in this because I had a lot of 20s not that you'd know that because I haven't counted the cash yet but I'll do that in just a second let's do one more let's do this one down here all right an even 20 that works for me okay let's count this cash shall we 20 40 60 81 20 40 50 60 70 80 92 10 15 20 25 30 3540 1 2 3 4 5 6 7 8 9 50 1 2 and 3 and I do have a little bit more in here because I am only doing this binder once or I'm sorry three times this month doing it once I'm doing it one time left or three times thank you mateline for that amazing challenge it is amazing and you know what guys girls both scratches on that challenge are fantastic this one from my friend Jenny at simply living saves Let's do let's do green today let's start with green small icons are going to be two large icons will be five and I'm just going to empty this out at the end of the month whether this is finished or not so no no need to mark off any of these or change these so let's start this this is my friend Jenny simply living saves 1 2 3 four five and $2 and folks just if I might do a a shameful plug Jenny and I are going to be doing another cab one two three that's $1 we have not started that yet because as many of you know she is anxiously 1 2 3 4 anxiously awaiting the birth of her granddaughter and so we have not started that club yet but we are going to hold on 1 2 3 4 5 6$ more dos we are going to be releasing our I don't want to use all the ones hold on we're going to be releasing let me do this and then say it all at one time 1 2 3 four five and five is 10 $13 going into this savings by Jenny it's simply living saves anyhow so we are doing our collab again we are going to be releasing our videos explaining the collab and uh giving you access to our freebies on the 24th that's the third Friday of May some fun new stuff coming this time we're going to change it up a bit there's some amazing um challenges this time uh was really cool this time we decided to do the same theme of our challenges and for the first time we actually kind of designed very similar it was it it was really fun anyhow check out that video get ready to save it's going to be nice E I got to use my pen thanks Denise okay I'm rolling a D6 for this this is from girl mama loves to save and I'm saving $5 and $4 I do have a bit more for each of these challenges what do we got here 9 11 14 17 22 I think 5 9 11 17 22 I think 22 is good for this gets rid of a 20 all right let's move this out of the way girl mama loves to save $22 this woman was sent to me by um designs by ngg Co and let's give it $10 today I did not finish this all last month and so I pulled the money and it's going to get $10 there we go thank you so much for sending me that challenge and next hey K hey K budgets going to color avocado pits y'all know how I like to do that these pits are $3 each let's do a whole row all right I decided to do more than a row and this is going to get $21 for avocado pits these were originally supposed to be a no spend but I don't do no spins and I wanted to use those challenges cuz they were way too cute this next one from Lady D saves let's get out this super bright pink because she loves pink and for this I'm rolling a D12 let's roll it and $4 we can do more than that and another $4 if you haven't checked out lady D's Channel I guess this D12 is going to give me four there we go seven if you haven't checked out lady D's Channel please go check her out she is amazing and five that's enough for Lady D today8 12 and 19 $24 you know what sorry we're going to cheat and put a one in here just because you guys I'm really low on change so I need to go 25 all right I was talking about when I did my consolidation why I don't consolidate my um cash binders and that's why it's always hard to get enough change anyhow let's just do a random this is one of mine 250 I know I'm not going to finish it this month because these are higher numbers $20 I think that will be good for today I think I can probably cool my Jets now on these challenges and not put so much in or I'll run out of money the Blessed Daisy budgets I have um two in here from her I have the Solo Cup which is in the book and I have this one so let's do two of these let's do this $10 here okay we're going to take the 10 out and then we're going to grab the Red Solo Cup I am rolling the six-sided dice let's see how much I get in here today number three the next amount is $2 and number four is going to be $2 so we have to do one more cuz I don't want to have that many ones go out and one more one is $2 okay $6 that's good by me I don't know what I'm doing do I stop when I reach the bottom I don't think so I think I'll go until they're all colored in because I just empty this out every time anyhow so this is getting another six so $16 total going into the bless Daisy budget and I emptied this out last month which is why there's not all the total amount in there this next one is mine and let's do two of these today as I am just doing this binder twice more $1 oh no I'm wonder if I should do two you know what let's just do one because of the amount of ones that I have this is bound to be like two or three under there and then I won't have enough ones so we're just going to do one next and lastly is my grateful challenge I'm going to go ahead and do these three together this 24 you know whatever 12 13 or 12 15 16 so 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 so let's go to the next one cute ooh something I'm grateful for q h oh you know what I have just been reviewing this I'm going to put my quartet I sang with a quartet called sunbreak a barber shop quartet and um I've been watching those videos again and I am so incredibly grateful for my time with that quartet and I think we're going to stop it one today well no we we're going to do three actually instead of stopping at one we'll do three okay and eight 1 2 3 4 5 6 7 8 to the next one L something that begins with l I am grateful for H you know what I know corny corny corny I'm grateful for love and all the love that I have in my life I know silly silly silly I've got kids I've got family I've got friends I'm very very fortunate and 18 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 R what am I grateful for in R oh you know what I am still grateful for that pot roast I had the other day so we're going to put roast on there and this is going to get a total of $6 all righty this is my grateful challenge it is a freebie and it's just about the little things in life that we can choose to be grateful for that can really impact our attitude and our mindset all righty this next one one is um $75 and one is $40 I'm doing these kind of together because I made these to demonstrate how these are a a printable to demonstrate how you could put stickers on them if you have bigger stickers you could do that smaller stickers this way and so I you know put these on there for the picture and I want to use them of they're not a great scratch because of the fact that they're layered and they're on regular paper but doesn't mean I don't want to use them up so eight and six is not going to work cuz that's 14 that doesn't help that's 19 okay 24 well this is not going good 28 okay this is going to take all my money oh there we go yay 30 oh my [Music] gosh I had no intentions of doing that many I just didn't have any change that's okay if I run out no biggie cuz I just will finish this one sooner and I can catch up on the other ones later in the month this is a freebie I won from mateline budgets it was made by craftco budget this is a $40 one so hopefully this won't take a bunch of my money well it's not taking a bunch of it but it does want my $1 bills okay you know what hold on I'm going to be right back all righty this is just silly doing more CH more on challenges than I wanted because of ones so I just went to my low party binder out of my totally leftover cuz I knew there were ones in there and I bought some ones excellent $4 I knew I had changed that's why I don't consolidate those binders so let me see we're going to do a roll on this one and O I have these gray oh no I want I want light pink on this oo yes okay so we'll start here 1 2 3 4 five six $3 and this is a freebie there's a whole set or there was a whole set from glow budgets 1 2 3 4 5 six three more of six we're going to stop at that because that's we not take up too many ones anyhow this was an entire set from glow budgets I think there were nine all together they weren't all puppy themed they were different themes so head on over there and grab these if you have not there we go and we have a rolling save me and this one I am rolling the D3 dice which is actually a dice I made myself just by putting stickers on it and where's my fancy pin let's do a two I do want to finish this one up this month and a three and a three and a three that's $11 that's good enough 10 and 11 and this is on my shop pigs on a branch pigs in all sorts of cute adorable situations next I have um this this was a prototype I had to do and so the front is scratch and the back is a rolling size let's start with a scratch and we'll see if we have enough for a roll and save I don't roll the dice for a scratch I just I just scratch and we can do two because I'm going to finish this up this month I can always just reticker this so this is $17 let's do a roll and save with a D6 on the back and it's two so that's $19 let's do one more and another two let's do this little tiny one here for $21 excellent $21 going into this adorable little Grandma one all right I don't want that to mark my envelope okay and this one I have ability oh perfect this one I have ability to make what I want let's just put the rest of it in there so 10 25 26 and 27 can I come up with $27 in this one so let me see I got this dark blue so 27 so this will be N9 and let's do here's like the mint greens so 9 and 12 is 21 I said I had 27 right okay so let's do four of these so that makes 21 and so I can do two of these threes here and that will be 27 okie dokie $27 in here 25 26 and 27 perfect okay I got through the entire binder this is just challenges when I uh have some leftover fantastic I got through the entire binder let me grab build a farm I'll be right back okay I'm not actually going to do this today but I want to talk a little bit about how you can use these freebies if you want to do builda farm from my understanding and the way that I'm using build-a Farm the build-a farm is a progressive challenge now um budget babes has actually made some cards and you can use to flip the cards to tell you what to do I have numbered mine with dice and I'm using dice to roll it and so each week I'm growing some crops that I just have them numbered 1 through six each week I'm feeding buying and feeding some animals and then I'm making some ingredients and then at the end I will make recipes with my ingredients and that's how I will get money out of the out of the Challenge and also I will get money out of the challenge by uh filling up my card of animals so if you wanted to do this for free for instance see this card you have the cow the chicken and the Goat that's going to give you what you need to make all these ingredients and they eat these crops so you could make three copies of this one for the cow one for the chicken one for the goat and then if you buy a cow maybe you decide to roll a dice you write the amount that you're you're going to do for the cow let's say this was the cow one you had chosen this to be cow and then you're going to go over here and you're going to make a copy of six copies of these and one of those is going to be if you want to grow crops the same way you could assign a dollar amount to the crops and then you could just roll have six of these for each crop roll and then decide which crop you are going to use so it's the same as having like for instance these little challenges in here except for instead of having for instance this little challenge with carrots you would have a total of six of these and you would still have 20 places to put carrots right but these are all for free so if you are wanting to try this challenge but you're a little afraid of the amount of money it takes to start this and do this use the 25c method that I had talked about or that I am doing to lower your dollar value and then start with those freebies and see if you love it if you are really liking that well then you know what then I think it's time to uh support income Bays by buying those challenges and I'm going to be honest with you the challenges she completed they're really fun to color in and cute track of but you don't have to buy those to start and I know that she would love to have more people doing her challenges because as a Creator myself the thought of people saving money with things that I make absolutely fills my heart this is going to conclude this video for today I want to thank you so much for hanging out with me I so appreciate it like subscribe comment all of those wonderful things sit there and watch with no other action that is okay too I just appreciate you if you can get out before it's too hot take a walk and until the next one bye

Channel: Deeplansandbudgets

Views: 451

Keywords:

Id: KMDasUIqO-0

Length: 22min 42sec (1362 seconds)

Published: Thu May 09 2024