Month Ahead Savings | Emergency Fund Savings | Collabs | Debt Story

[00:00:10]Hey budget friends, it's Steph with Steph's on a Budget. Welcome or welcome back for another video. I hope you guys have been having a great week. We are going to jump into some month ahead emergency fund savings and work on some of our Disney collab today. Super excited for our month ahead. So, let's go ahead and start in this binder, you guys.

[00:00:30]We have finished 10 of our 11 fixed expense categories, you guys. We are down to our last envelope for fixed expenses, our mortgage, and then we start jumping into our variable expenses for things like gas, groceries, that sort of thing.

[00:00:50]So, let's I have my plan is to kind of switch this up in how we'll be adding money. But for now, we are going to take care of what we have going on in here.

[00:01:05]And then um hopefully by the next time we're ready to stuff this um category, we may or may not have a different plan.

[00:01:13]No promises, you guys. June is a pretty hectic month. So, I'm just honestly I'm trying to just keep my head above water at this point. All right, our month ahead, you guys. We stuff $33 per payday into our month ahead savings. $33 was just a number that divided evenly into my 11 envelopes and that I could make work in my budget about two and a half years ago. And we have just been consistently stuffing $33 every paycheck towards these funds. And we have, like I said, fully funded 10 of our 11 categories. And that includes our internet, our subscriptions, um, our water bill, our gas bill, our electric bill, our minimum debt payments, which we don't have anymore, our cell phone, um, our Subaru payment, our car insurance, and, um, we just recently fully funded our truck. So, both vehicles are fully funded a month ahead. And eventually the idea is that we won't have those debts either and we'll be able to um just kind of absorb and maybe put towards like the two months ahead. Our last category is mortgage. You guys, the way that I have been doing this is the snowball method.

[00:02:27]So each envelope started getting $3 and it just rolled to the next one. So on well we only have one left. So you know what that means? All $33 goes into the mortgage.

[00:02:38]This is a massive category though you guys. Um, you know, we have to save quite a bit of money to fully fund our mortgage payment. Our goal is 2,300, though. Um, that probably actually is about $40 over our payment right now.

[00:02:56]So, um, we'll re-evaluate this. But with escrow, things are kind of always shuffling within a hundred, a couple hundred maybe even. So, last year, knock on wood, um, and hopefully this year will be the same, but last year was really nice. It was the first year in our home that we didn't have an escrow shortage where we either needed to pay the escrow um or the payment went up. I mean, the payment always goes up. It's just a matter of does it go up a few dollars or does it go up a lot of dollars, right? So, I'm hoping this year we get a escrow refund again, but you know, what are you going to do? Okay.

[00:03:32]So, we're in the probably 25 or um you know 20 to 50 to 2300 range, I would say. But right now, our goal is sitting at 2,300.

[00:03:45]What I think I'm going to do is actually knock this down you guys to half. So, um in my budget, I split my um mortgage up into two. So, I think to just give myself that satisfying quick win here and there because this will feel very daunting, um, I'm going to strive to save the first half, which is the 1143.

[00:04:15]So, I'm actually going to make an adjustment here. And let's let's reach for the um, you know, just to make it a whole number. Let's do 1150 for easy sake of dividing.

[00:04:34]And I'll just probably actually end up making a new tracker al together you guys. So we have 1 2 3 4 5 6 7 8 16 1 2 3 4 5 6 7. So we have 23 icons here that Whoops.

[00:04:55]What am I doing?

[00:04:57]$11.50 divided by 23 makes these actually $50 an icon now. Ooh, so that's nice. Okay, so let's, you know, get the tracker caught up then for the new amount. Okay, so so far we have 100 and 200, which are these two houses, but two houses going to is going to equal one house going to equal 50 now instead of 100. So that's going to be two houses.

[00:05:25]This will be two houses. So, let's go ahead. And this is just how we do it, you guys. We adjust on the fly as needed. So, we can actually cross off four houses and then we have this money building towards the next $50. Okay. So, that at least catches us up there. Let me see if I have 50. I don't think I do.

[00:05:44]20 30 35 36 37 38 39. Nope, I don't.

[00:05:47]Okay, so we're caught up on the tracker.

[00:05:50]Now, what are we doing today?

[00:05:53]Well, we're going to add our $33 in. So, yay.

[00:05:56]But but you guys, really exciting stuff.

[00:06:00]We did finish a mini challenge in um I don't remember at this point if I'm being honest if this was June or May, but we have a mini challenge here that saved us 10 11 12 13 14 15 $16.

[00:06:15]So, um I'm going to do 1 2 3 4 five.

[00:06:19]Just for sake of keeping this condensed, I'm going to swap that out. So, we have a mini for $16. that's going to um also go into this.

[00:06:32]All right. And then you guys, I am participating in the village hop this year. And one of the envelopes in the village hop is month ahead, which is so freaking exciting. Well, on June 1st, this envelope hit its $100 mark, you guys. And so for me, the way that I'm doing the hop is once it hits $100, that money goes where it's supposed to go. So we have 20 40 60 81. So we have another $100 that we're going to get to add to this today. So in total, we're actually adding 20 40 60 81 20 30 40 45 46 47 48 49 $149. You guys, we're a dollar short.

[00:07:16]We're a dollar short.

[00:07:19]I kind of want to steal a dollar from somewhere. I just don't know where I would take it from is the thing. Okay, so actually we might not actually even be sure because we have this in here as well.

[00:07:32]Let's see what that's going to give us total after we add that 149. So the other thing I have done is every time this envelope has hit $100 in the past, I would pull it and put it in the high yield to deposit it. And then as we're working on the envelope now, I'll start to build the funds up. For this one, since it's such a large amount, we might decide to pull the money, but we'll just play it by ear. So, now we have 200 in the bank already. 20 40 60 80 300 20 40 50 60 70 75 80 81 82 83 84 85 86 87 88. We have 388 in this envelope just like that, you guys. crazy.

[00:08:21]So, this is kind of um I mean obviously we put a lot of funds in from other areas of savings, but you can really see how the snowball kind of builds. So, we have 3.88 divided by 50. That means we can mark off seven of our houses towards our goal of the first half of the mortgage. So, there's four, five, six, and seven, you guys. Yay. That feels amazing.

[00:08:47]I am super excited. So, um we'll just see how how this goes.

[00:08:54]It would be awesome to fully fund this first half by the end of the year or more. Um we'll just have to kind of, you know, play it by ear. We're going to continue to supplement, right? We'll still have more coming from the village hop and we'll still supplement from other challenges, too, like minis and that sort of thing. All right, you guys.

[00:09:15]Next up, we are going to work on our emergency fund. So, every year I set a goal to add money to our emergency fund.

[00:09:24]And this year, our goal is $1600. You guys, I just love my Harry Potter binder so much. It just brings me so much joy.

[00:09:32]So, the way that I work on this binder, and let me just check the glare here, you guys. Okay, I think it's not too bad. We'll make it work. Um, I have six challenges going at one time. And we are going to roll a six-sided dice. So, let's grab Let's grab our This is We'll do Zootopia.

[00:09:54]Okay. So, this dice comes from Becca Budgets 777. It's her Zootopia one. So stinking cute. It's going to tell us what challenge we're working on. And it looks like we're going to number two.

[00:10:06]And this is our little Hufflepuff challenge from AE Budgets. Let's move this pen. And where are we going?

[00:10:16]Number four. 1 2 3 and four. So, right here, you guys.

[00:10:22]Okay, we've got $10 going into this one.

[00:10:26]I save $64 per pay period, friends, to um get me to the $1,600 um annually. So, that's what we have that we're stuffing today. Okay, where to next? Looks like we're going to go to challenge number six.

[00:10:44]I feel like it's been forever since I've been in here and I honestly can hardly remember what we've got. Okay, so this is our Ravenclaw from um Janelle Ray Budgets.

[00:10:55]1 2 3 4. Let's do this one.

[00:11:00]All right, you guys. We've got $9 going into this one. I'm going to put back a one and I'm going to take two fives. So, I am a Hufflepuff if you can't tell, but I also think I could very easily be a Ravenclaw. So, if I was like Harry, um, you know, sitting there, not Hufflepuff, not Hufflepuff, I think I'd be sorted into Ravenclaw. All right, challenge number one is Dobby's socks.

[00:11:26]This comes from Mento Co. I'm kind of treating this like a catch-all, too, you guys. Um, let's see. We're still working on the front side. It looks like we ended on this sock right here. So, we're going to go one, two, and that's going to be this one here.

[00:11:45]Okay, we've done green, we've done blue.

[00:11:48]Let's do maybe some Gryffindor red. So, we're going to mark off this sock and then we're going to find it here. It looks to be right here. And I'm going to color it in. And we're going to save $3, you guys. So, one, two, and three going into this challenge. This one I think is going to save us 115, I think, the way I have it set up. So, it'll be a good little saver. All right, we still got money, so we're going to keep going. You guys, summertime, it's it's so dry here. My hands get so dry and my cuticles are just a hot mess. So, all right, you guys. Ooh, we only have two left here.

[00:12:31]Challenge number three. This one is from Budget with Tiffany. Let's just do this one right down here.

[00:12:39]And we've got a three here, you guys.

[00:12:40]One, two, and three. One more. I really hope that we can roll another three so we can finish that challenge today. And we've got another six. So, let's flip on to the back again.

[00:12:56]And where are we going? One, two, three, four, and five. back up top.

[00:13:03]All right, friends. We're looking at $7 here. Let's just go ahead and put back three and take two fives. Again, this challenge is going to save us 75, so it's a pretty good little saver. Okay, up to number two.

[00:13:17]Number two was our Hufflepuff challenge.

[00:13:20]I like these little tabbed envelopes, but um things do be sticking.

[00:13:29]All right, where are we going?

[00:13:32]Four.

[00:13:34]We've already done that one. We can do one. So, right here. Woo. Okay. I figured these would be pretty spicy cuz this Oh, this is a save 50. Why did I think this was a save 100 or something?

[00:13:46]You guys ignore me. But even still with six, it's going to be a little spicy. So 10 more dollars going into our Hufflepuff. Come on. Three. Give us a three. We got a five. Five it is. So we're going to flip back to our Luna Loveg good challenge. This is from Isabelle Gigi. Where are we going? One, two, three, four, five. Right here.

[00:14:12]All right, friends. We're putting six more dollars in this one and it's going to save us 45. We're getting close up to number one again. So, back to our sock challenge.

[00:14:28]Where are we going? One and two. We're going to jump down to our red sock.

[00:14:35]And that one is worth $5. And it is right here. Let's color this one in.

[00:14:42]Okay. Five more dollars going into Job's socks. And there is a whole backside here, you guys, that we've got to take care of as well.

[00:14:51]All right. What is that? Another six.

[00:14:55]Come on. We need a three, you guys. All right. We're going to flip to the back.

[00:15:00]We're getting to the end here.

[00:15:03]And we've got one, two, three, four.

[00:15:10]All right, friends. We're looking at another nine. We've got five, six, seven, eight, and nine. That leaves us $2 left.

[00:15:20]Okay. Well, we definitely don't want to risk an IOU. So, we've got a couple of options actually for what we can do.

[00:15:32]Um there. Oh, we do have one two on this one for Professor Umbridge.

[00:15:41]The worst. She's literally the worst.

[00:15:45]Let's go ahead and mark her off here for $2.

[00:15:51]And this wizard bingo comes from Don over at the craft bin. We didn't get this challenge today, but we're going to use it as a little bit of a catch-all.

[00:15:59]So, okay, let's flip to the beginning here and see how each challenge is measuring up.

[00:16:09]Okay, so our little sock challenge has 5 10 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30. We can definitely come in here and do some condensing. So next time I pull for these um envelopes, I definitely do not need any ones. Okay, challenge number two is going to say 50 and it has 5 10 15 20 25 26 27 28 29.

[00:16:38]So, that one is already super close.

[00:16:43]Challenge number three. We needed one to finish it. It didn't happen. So, out of $50, we have 20, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41. So, we know we've got a whopper of a nine left there.

[00:17:02]All right, challenge number four. We gave it some love. It has 20, 40, 45, 50, 55, 56, 57, 58, 59, 60, 61, 62, 63. And this one's a big whopper of a save. 175. So, we've got a good chunk of ways to go here on that one. Okay, challenge number five.

[00:17:28]It now has 10, 15, 20, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 out of 45. Oo, so we just have $10 left and a lot of scratchers.

[00:17:41]So those will be super low and friendly.

[00:17:46]Okay. And then challenge number six has 5, 10, 15, 20, 25, 30, 35, 36, 37, 38, 39, 40. 1 2 3 4 5 45 out of 75, you guys.

[00:17:59]So, it is moving along nicely as well.

[00:18:04]All right, friends. That is going to do it for our emergency fun binder and our month ahead. Super fun. I am enjoying this savings still very, very much. One of my favorites.

[00:18:19]All right, what is next you guys? We are going to take care of our Disney savings. So, let's grab that binder out.

[00:18:34]Okay. And to start, we are going to work on our June roll for savings from Anna Banana Budgets. Um, when are you guys seeing this video? Thursday. So, we are going to roll up to three times here.

[00:18:49]So, let's get our color dot die. And we've got a yellow, which is the D6 again, you guys. We cannot escape this D6. Whoop! Nope.

[00:18:59]Let's try again. We've got a four. Okay, we're going to roll our color again.

[00:19:06]Okay, we've got a red, which is the D3, and we got a three. So, we're at seven.

[00:19:11]We're going to roll one more for Thursday. That's a yellow. So, we're going to roll the D6. And we've got a five, you guys.

[00:19:20]That is a lot of savings for 3 days here. I think this is going to be a good month. So, we're at 9 10 12 it looks like. So, we're going to put 12 into this one. There's Let's see what I've got here.

[00:19:36]Okay. So, I think that $3 will roll over for the next time. Oh, man. I barely had enough. I thought I pulled all this extra and lo and behold, I did not.

[00:19:48]All right, you guys. We are going to keep this one a mystery for now. So, we are not going to count it up. I remembered. Look at me. I remembered something, you guys. I swear I've turned into Dory these days who can't remember a gosh darn thing.

[00:20:04]Okay, you guys. Yay. I'm super excited we get to work on Do not let me forget to do this challenge. Let me grab it right now so I don't forget. Okay, I've got it to the side and ready. We are going to work on our 100 Disney sidekicks. So, this is hosted by Veronica at Weekly Budgets, Victoria at Tori's Budgets, Gloria at Save with Glow, and Carly at Budget with Carly.

[00:20:25]And there are 25 of us in total, all created some tiny challenges. And you guys, there is 100 plus, but we are going to work on 100 savings for ours.

[00:20:36]So, let's go ahead and jump on in. I'm going to get my cards out. I have $30 that we are putting towards um this challenge this week. So, let's actually flip to our bank here and let's pull our $30. So, I have $30 going in.

[00:20:56]We are saving this until it gets finished. It's getting thick, you guys.

[00:21:01]This is going to be an amazing saver for us.

[00:21:05]Okay, we still have lots to go, but we are making progress. So, I'm going to count out 15 cards. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15. These are our 15 this week. And what we are doing is putting $2 per creator. So 15* 2 gets us our $30, you guys. So card number one is 24.

[00:21:31]Let me pull out my little cheat sheet here.

[00:21:36]I'm going just make sure you guys can see everything. Okay, I think I'll move these cards over here a little bit for you in hopes that you can see better without a glare maybe.

[00:21:51]Okay, 24 is Stephanie at Overthinking and Budgeting. She is right here.

[00:21:56]Percy here has um he needs the most love. So, we are going to mark off one on this challenge.

[00:22:06]And then we will roll our D4 for the other one. And it's going to be three again. So Percy is going to get two marked off you guys. And just like that, these are all kind of neck and neck again.

[00:22:19]All right. Next up, we are going to go to nine. That is Britney at Budgeting with a Ginger. And she is right here. We just have two of hers left. Let's let the dice decide. Nope.

[00:22:34]Okay, let's do this. Even odd. Okay, here we go. We got an odd and an even. Good gracious, you guys. So, we can mark off one on Mushu and one on Piglet.

[00:22:52]And we have two and one left, you guys.

[00:22:55]So, we're getting really close on Britney's challenges.

[00:23:00]All right, number 16. That's going to be Michelle at the Cafacito Budget and hers are right here. This one here needs the most love. These are worth 50 cents. So, we're actually going to mark off two on this challenge. And then we are going to go to number four for her second dollar.

[00:23:22]So, that's going to be this Curious George right down here.

[00:23:29]Okay.

[00:23:31]Next up, we have number eight. That's going to be budget with Carly. And she is right here. Hers are all even Steven.

[00:23:39]So, we're going to do three and one, you guys. And that's going to finish up two challenges for Carly cuz they all just have one left. So, Gusgus and his cheese, his little stack of cheese is done. Let's put that dice there to help me track how many we finished, you guys. Cuz again, we're talking Dory memory here. And then Heihei is done, you guys. Whoop whoop.

[00:24:04]That's two completed. We just have Mo and Flit left for Budget with Carly.

[00:24:09]Okay, 11 is Jenny at the Dramatic Panda.

[00:24:13]How are we doing here? Let's do one more on Panic here cuz he has the most. And then we'll roll for her second one. And it's going to be Panic. Just leave it out, Stephanie, until you roll that second time. Okay. Okay, so we're going to mark off two on panic. And he just has two left now. So cute, you guys.

[00:24:37]Okay, number 20 is going to be save with glow.

[00:24:42]So hers are all pretty even with the exception of stitch.

[00:24:47]So three and two. That'll work. So we're going to do another set of ballet slippers here on ballet stitch. And we'll mark off a Dumbo peanut, too.

[00:25:06]All right. Where to next, friends?

[00:25:08]Number six. That is going to be Becca can budget and she is right here. Hers are pretty even. So, we've got two and four. So, we're going to come up to Stitch here and mark off one of his circles.

[00:25:25]Let's go. savings says stitch and then four is Pascal only looking forward and we only have one left on Pascal now you guys. Yay.

[00:25:38]Okay, 21.

[00:25:40]That is going to be Crystal at Divine Savings. She's right here. All the cute little mermaids.

[00:25:47]Um eeny meenie miny mo. Let's do Scuttle.

[00:25:53]And we're gonna mark off one of his forks because these two have the most.

[00:25:58]Whoa, that was bizaro. And then we've got three. And three is Max, you guys.

[00:26:04]We are going to finish up Max here. So that's Prince Eric's dog. So that one is completed. Let's grab another die.

[00:26:15]Number four is going to be Pansy Budgets. She is right here.

[00:26:20]Let's um grab challenge number two. It needs the most. And those are our hyenas from Lion King. Before I tuck it all the way in.

[00:26:33]Nope. We are going to do number four, Bullseye. Yay.

[00:26:39]Love him. He's so cute, you guys. One left on Bullseye now. All right. 12 is Jesse Budgets. She is.

[00:26:51]She's around here somewhere. Here she is. Okay. How are we looking here? Let's do one on Mushu and Crickety. And then we'll let the die decide the other one.

[00:27:04]Two is done.

[00:27:07]It's going to be number one, which is Raja. And we've got some progress on the remainder of hers.

[00:27:16]You guys, so many of these are getting so close. Okay, 22 is April at What's Popping Sunshine. Let's see where we're going. Two and we don't have three.

[00:27:32]So, two and four. Perfect. They are both pretty even and need the most love. So, we've got one more on the whole Zootopia gang and one more carrot for Nick and Judy down here.

[00:27:45]Okay, getting closer. 25. That's going to be Dawn at Dawn Sunrise Budgeting.

[00:27:51]Hers are all pretty close. We've got two and four, which we don't have anymore.

[00:27:58]So, two and three. Okay, we can color in another glass slipper. Although, we have very vibrant glass slippers here, you guys.

[00:28:09]And that's going to leave one more for this challenge. We've got the little girl mice from Cinderella.

[00:28:17]So cute.

[00:28:19]And number three is Heyi. Heyi. We can mark off. Hey girl. Hey. We can mark off one more there. Love it. Okay. Off to number 14. That's going to be Tori's budget.

[00:28:34]And she is right here. I think we're all pretty even here for her. So, let's just roll. We're going to do two and four.

[00:28:44]It's liking the evens today. So, we're going to do little brother from Mulan and just two left on that one. And then four is frog, Prince Naveen, and Tiana.

[00:28:55]And we have three left there.

[00:28:58]Okay, number two. That's going to be me, yours truly. Let's just roll. They're all pretty even.

[00:29:06]We've got two and two. Okay, Cat Ema is going to pull away for the win. So, we can mark off two acorns here.

[00:29:19]Perfect. And last one, you guys, is 15.

[00:29:23]That's going to be um budget with Amanda. Let's roll for hers. We're going to do two and two. So, both are going to be on Remy from Ratatouille. And that's going to finish this one, you guys. Yay!

[00:29:43]Done. This one is done. Let's flip it and add another dice, you guys.

[00:29:50]O, super exciting. Okay, we're going to put those ones to the back, the other ones to the front, and you guys, we finished four of our tinies today. That is awesome. I suspect we'll start finishing more and more. So, we can color in four of our little fireflies here.

[00:30:15]All right, you guys. We've got four more colored in. Look at that. We're making progress. Okay, we have done our roll for savings. Let's put our little divider back in.

[00:30:29]Next thing we want to work on is our Is it our brick wall? Did we just do this?

[00:30:38]O, why can't I remember?

[00:30:43]Let me figure it out really quick, friends. Hold on a second.

[00:30:47]All right, friends. I'm all discombobulated because I kind of filmed my filming is just off. So, we just did this one with the 12 months of Disney.

[00:30:57]So, we are actually on alien snacks.

[00:31:01]So, let's do that. And I put $15 towards this one. So, let me see if I can make change really quick. 5 10 15. Nope.

[00:31:18]Okay, I was able to make change in that one. Let me just stick that back. So, I have $15 here, you guys. And for this one, we I feel like I'm off on these on my schedule here. Or I feel like I'm filming this for a third time, but I don't think I am, you guys. I think I just filmed the other one so late it feels like it. We're going to roll with it. And if it's extra savings, so be it.

[00:31:43]Okay, we are going to roll a six-sided and three-sided die together. So, let's go ahead and grab those two. Uh the six will tell us what section and the um three will tell us what row. So for example, we got section one, row one, but we have finished that. So let's try again.

[00:32:09]Okay, so we're going to go to section five, row three. Perfect. And we are going to put $5 into this one.

[00:32:19]So, $5 going into this one. This um little booklet comes from Budget with Carly. And we've got section one, row two this time. And that is going to be another five.

[00:32:34]Um let's pull out some change. So, I'll pull out five and I'll put in 10, you guys. And then now we're just going to roll for what section? It's going to be section three. And we're going to need to do row one because that is where the fives are.

[00:32:55]Oh no.

[00:32:57]Shucks.

[00:32:59]Um, let's fix that because that is not going to work, you guys.

[00:33:05]I was using my Crayola clicks and those are washable. They will just rub right off. So, what else did we do? We did five, right?

[00:33:18]And yep, see here it's already rubbed off. Okay, once again, I can never use these without getting it all over me. And then section one, row two. Okay, at least it it was easy to find. Okay, we are good. Okay, $15 is saved in our alien snacks. It's going to save us 600 when it finishes.

[00:33:46]Okay, you guys. Last but not least, we are saving money. So, we are putting $5 into Death Story here. Woohoo.

[00:33:57]Um, let's grab our three-sided Toy Story die. Okay, so every time I save money, I'm putting five bucks towards this challenge. Um, Debt Story comes from my Etsy shop. So, we're going to put $5 into our bank and we're going to grab out our $5 in prop coins. We are going to keep building up these micro payments, friends, all month long and throwing what we have at the end of the month extra towards debt. Yay. Looks like we're starting on envelope two today and we are going to roll.

[00:34:35]So, three to kick this one off. Last time we were in this, you guys, we were so close on a lot of these. So fingers crossed we get through the binder here.

[00:34:48]All right. Yay. We're getting twos and threes. There's a one. But it's a 50 center. Yay. Okay. Envelope number seven getting two. Can we make it through you guys? Ooh. Envelope eight is going to get three. And then we're going to flip to one. I only have one left. So, let's see what it wanted. Perfect. It wanted one. It got one. We're going to start on envelope two again next time. So, let's go ahead and mark our spot and we'll flip up to envelope one and let's see how we did. And good gracious, you guys. I am hoping I'm going to turn this because I can see there's a pretty good glare on that envelope, but it's pretty dark, you guys.

[00:35:38]Pretty dark. Let's maybe do Let's do that. Okay, envelope number one.

[00:35:46]Okay, water break. I'm filming I'm filming a lot of videos here, you guys.

[00:35:50]Okay, shucks. The one time we didn't want it to be 50 cents. We only had one left on this one and we only needed 25 cents. So, we have 25 cents to carry over to the next one. But these two tinies from Tori's budgets saved us one. These were each 50. So, that's $2. There's $3 a $4. So, this set of tinies is a $4 saver. So, let's go back to our bank.

[00:36:22]And we don't have it, you guys. I have too many fives in here. Let's see if I can hustle up some change real quick.

[00:36:29]Okay, easy peasy. I went right to my emergency fund envelope where we had all those ones. So, we're going to do one, two, three, and four. And this is a completed challenge. Yay. So, this is what I mean by little micro savings. and we just accumulate those all month and um see what we can end up putting towards debt as an extra payment. Okay, we need a new challenge.

[00:36:57]Let's grab our box here. Our box of goodies. What can we bring in? Let's do this one.

[00:37:05]Super cute. It's Jessie.

[00:37:09]Setting that to the side. This is from um Kip and Lou on Etsy or the budgeting RT here on um YouTube.

[00:37:19]Guys, where are we? We are on challenge number one. And we have 25 cents. So remember, we're going to ignore what the challenge says. And each icon is going to be worth 25 cents. And this is an even amount. 1 2 3 4 5. It should save us $5 this one. Okay. And now we have accounted for the full 50 cents.

[00:37:39]Perfect. All right, number two is our little Olaf tinies. You guys just needed one also, but it got three. So, let's pull 25 cents. And that completes these little tinies. These were a um member freebie in my Kofi. And this one saved us one, two, three, $4 as well, you guys. So, let's flip back to our bank again. We had several on the cusp like this. So, what I'm going to do is let's put in five and we're going to take one from the other cuz this all gets combined anyways. So, we should have four and four for a total of $8, which we do. And we have two completed tinies, you guys. Yay. All right, we need a new challenge for spot number two now.

[00:38:38]Okay, let's do this little beauty and the beast tiny. And you guys, it doesn't have a name and I don't remember who I got these from. So, I'm so sorry if this is your challenge and I'm not remembering, but how stinking cute is this? So, let's do each icon worth 25 cents. We have 50. So, we can do this one and Mrs. Pots. And this one's going to save us one, two, three, four, five as well, it looks like. Okay. So, that is the new number two.

[00:39:06]Number three is Woody, and this one got 75 cents. This one's from my Etsy shop.

[00:39:12]We have a 50 center down here. Let's take care of that and then we'll jump back up here for the other 25 cents.

[00:39:20]Okay, that one we're going to be working on for a little bit.

[00:39:25]Number four is from Budgeting with Landre. She got 75 cents today. So, we can mark off three of these.

[00:39:33]Perfect.

[00:39:37]It's like we were either finishing or starting. Okay. Our um little labyrinth challenge from North Country Cash Queen.

[00:39:46]She got 50 cents. We just needed 25 cents to finish this one. And this one saved us one, two, three, four dollar as well. It's the magic number today, you guys. So, let's see what we can do. One, two, three. All right. So, we're at $12 total now. So, let's do 5, 10, 11, and 12. And we'll put these ones back in the bank.

[00:40:12]Holy smokes, you guys. $12 just today from our little micro um challenges.

[00:40:21]All right, where are we?

[00:40:25]We are on number five, right? Okay, we still have a quarter left. So, let's grab a new challenge for here. And let's actually just bring in another one of Michael's from North Country Cash Queen.

[00:40:38]Um, we've got our Oh gosh, I just totally blanked. Um, it's not the three amigos, but it's something like that. Let's see what this one will save us. One, two, three, four.

[00:40:52]One, two, three, four. One, two, three, four. So, we just need to make one of these worth 50 cents. So, let's just do 50 cents right here.

[00:41:04]That way, we have an even dollar amount.

[00:41:06]And we can mark off one for 25.

[00:41:12]Okay, number six.

[00:41:15]This one is from Bos Budgets. It got 50 cents today. So, we're marking off two squares here.

[00:41:22]I fear I have a lot of bigger ones going right now. Makes me a little nervous.

[00:41:27]Okay, this one is from Britney at Budgeting with a Ginger. And this one got 50 cents today. So, two more getting marked off here.

[00:41:38]So, we might not finish any for a good chunk of time. Challenge number eight is another Kofhei member freebie. And this one got 75 cents from my membership. So, we can mark off three more butterflies from Cutie Groot here. And we've got two rows done. We're halfway on this one, you guys.

[00:41:59]Okie dokie. That is going to finish up debt story today. So, let's go ahead and tuck our prop coins back away so we don't lose track of those.

[00:42:15]All right. And we are starting on envelope two on our next savings video.

[00:42:23]Okay, this extra money you see sitting over here is going to go back to my Disney collab money as rollover since we didn't need it all for our daily roll and save. You guys, we finished one, two, three more challenges. Actually, I spoke too soon. We're probably going to use it. We finished three more challenges for Death Story.

[00:42:47]Guys, I have been terrible. I have forgotten my alien coin challenge both both times in June. So, I made myself a note. I need to catch up. Um, I need to color in four coins and save. So, this challenge is up in my Etsy. And what I'm the way I'm using mine is for every challenge I finish in Death Story, I save an additional 50 cents into this challenge. So, I completely spaced it.

[00:43:14]my last two videos. So, I owe four plus we have three. So, we're actually going to color in seven today. So, let's go ahead and color in seven.

[00:43:36]All right, you guys. That is seven. So, at 50ents a coin, that's going to be $3.50. 50 cents, right? Um, let me check myself. 51 52 53 50 350.

[00:43:54]Yes. Okay. So, let's get in here really quick and go to our coin savings envelope.

[00:44:00]And I have 50 cents in here that's been waiting to be coupled up. So, we're going to go ahead and pull this and actually add in $4. So, I'm going to take this five I had sitting over here, put the one back, and then we are all caught up. And we have five 6 7 8 9 10 11 12 extra dollars, you guys. When this one gets done, we'll throw it as debt.

[00:44:24]What? We will throw it at debt as well.

[00:44:28]That one was difficult for some reason.

[00:44:32]All right, you guys. Yay. It's so cute and colorful. I love the alien colored coins. Super fun. Super fun. All right, you guys. We did it. We made it through.

[00:44:45]What an exciting video. Super excited about our month ahead progress already on our last envelope. Lots of progress in debt story. And we are on our way in our emergency fund, too, you guys. All right, friends. That is going to do it for me today. Thank you so much for being here, joining me for another video. If you like this one, give me a thumbs up. Hit that subscribe button to stick around and we'll see you in the next one. Bye friends.