First Paycheck of May | Zero-Based Budget In Action | $362 Cash Unstuffing

追加: 2026-05-14

[00:00:00]Hey everyone, welcome back to Dollars into Dreams. We are closing out the first paycheck of May. I'm going to do some unstuffing from my wallet and from my scing funds, and then we're going to dive deep into the real numbers of what my paycheck is and how I spent it. So, if you like this type of content, then please stay tuned.

[00:00:24]Okay, guys. So, I have my dividers out of my wallet and my cash.

[00:00:31]And let's go ahead and start with my categories. Let me turn this to the side. And then I have my pen. Okay. So, for fuel, we have 23.85.

[00:00:49]Um, we have 2424 and we have $44.98.

[00:00:55]So, I'm going to round that down actually to $93.

[00:01:04]That's how much I'm going to take out. I will put the real number in there. So, let's see.

[00:01:10]So, we really spent 93 07.

[00:01:21]So what we have in our wallet should be 90.

[00:01:29]So we have 20, 40, 60, 70, 75, 80, 85, 86, 87, 88, 89, and 90.

[00:01:41]Okay. Then our next one is household.

[00:01:50]And we went to Walmart. I had to get some trash bags. So that was 15.

[00:01:58]And we have 30 in here. So I'm going to take two tens. Give myself a five back.

[00:02:06]And so we spent 15.

[00:02:12]And then groceries, we spent 80.

[00:02:18]Now when I go to the store, I put both of them on the same transaction. I just split it in my on my log. I just split it up here. So we have 20, 40, 50, 60, 70, and 80. And so we have 5 10 15 20 1 2 3 4 5. So we have 25 left over.

[00:02:45]And how much did I say? 80.

[00:02:51]We didn't do any personal spending, but we did do eating out. So, we have $12 and we have $1250.

[00:03:08]So, I'm going to say 25.

[00:03:15]I spent 25 and eating out was the first one. Listen, I thought this would be easier. I feel like I'm over here jumping through circles. Okay, so we have 10, 15, 20, and 25, which means we have 1 2 3 4 and five left.

[00:03:34]And then everything else is from my scing funds. Okay, so those are done.

[00:03:43]Let's do this real quick.

[00:03:49]Okay, we did not spend anything for miscellaneous and no unbudgeted.

[00:03:55]Um, I thought I had a red pen, but clearly I don't.

[00:04:04]So this is -3 07.

[00:04:11]All right. So groceries we started with 105 because I had rolled some over.

[00:04:18]So that means we have 25 left.

[00:04:22]We have 15 in household.

[00:04:26]We still have our 25 in spending.

[00:04:31]We have five in eating out and we have five in miscellaneous.

[00:04:39]So we should have 15, 25, and 10. So we should have a total of 75 remaining in this money.

[00:04:52]But I'm going to take 15 and I'm going to roll it back into household. It's going to stay.

[00:05:00]Um, but it's going to go into my household scing funds.

[00:05:07]Okay. So, then I'm going to take 15 away and that leaves me with $60.

[00:05:19]I'm going to take um three um will be for the overage.

[00:05:28]for my fuel.

[00:05:32]So then that means I have 57 left. And so I'm going to take that 57 and I'm going to roll it into my scing funds.

[00:05:45]Okay.

[00:05:47]So we know where that is going. I'm going to move my calculator to the side for a second.

[00:06:02]I need to take, listen, I got to get myself together. I need to take $3 for the overage.

[00:06:11]So, we should have, what did I say?

[00:06:17]72.

[00:06:19]I'm going to see.

[00:06:23]Yeah, th this was not easier by any means.

[00:06:27]Um, I'm going to put this back here cuz I will need that later.

[00:06:34]And let's see.

[00:06:39]Okay.

[00:06:43]So we have 20 30 35 40 45 50 55 60 1 2 3 4 5 6 7 8 9 7 1 and two. Oh, that is correct. Yes.

[00:07:00]Okay. So this is going back to the bank.

[00:07:03]I'm going put this in my back to bank envelope.

[00:07:09]And then this is going in my rollover.

[00:07:17]So, we'll just we'll leave that right there. And then I'm going to put this off to the side somewhere.

[00:07:25]Okay.

[00:07:29]Nope.

[00:07:33]forgot we need to unstuff.

[00:07:41]So, actually we have more going back to the bank than I said. Okay. So, um in car upkeep, I stopped at old rallies. I had to get something. So, I rounded the 15 up to 16. So, I'm going to take 16 out.

[00:08:05]So, that's our 16.

[00:08:09]And so, we still have 1 2 3 4 20 42.

[00:08:17]Okay. So, that one is done.

[00:08:23]What else did I need to take? Oh.

[00:08:30]Um, shop small.

[00:08:34]I bought myself a backpack. A new backpack. Well, of course it's new, but I had never seen this backpack, but I did get it off Tik Tok shop. I got to stay off Tik Tok. Um, so we're taking 73 out. So, we're 20, 40, 60, 70, and I'm going to take two back.

[00:08:57]So we have 13 now.

[00:09:04]Okay. So this one is done.

[00:09:08]And I use my Apple credit card for that one.

[00:09:12]And then our last one is Grandpups.

[00:09:20]And it says plush toys here, but I did not buy them for my grandpups. We have a facility dog at our school and it's teacher appreciation week and so all the teachers got a gift and so me and another um secretary went in and got him some toys so that he had, you know, a gift too because I mean he's doing a job, right? So I didn't know where to take it from. So I'm going to take it from here. it'll be completely fine. So, I'm going to take 40 and I'm going to take a 10 back. Okay. So, 20, 30, and 31 is what we have left.

[00:10:07]And so, this one is done. Okay.

[00:10:11]And I just use my buffer in my bank account. So, it's going back to my bank account. That's where it's going to go.

[00:10:19]Okay.

[00:10:21]Now the total amount that we are taking back to the bank is 20 and I say back to the bank um because it needs to go in my bank to either stay in the bank account and or pay the credit cards back. So we have 20, 40, 60, 80, 100, 120, 140, 160, 180, 200, 10, 20, 30, 40, 50, 60, 70, 80, 90, 95, 300, 5, 10, 15, 20, 25, 26, 27, 28, 29, 30, 31, and 32. So 332 for this week's spending.

[00:11:03]Going back to the bank, we have our rollover money. Now I can officially sit my cash trade to the side.

[00:11:12]And now we are ready to budget.

[00:11:18]Okay.

[00:11:20]Okay. So now we're ready to budget.

[00:11:24]And what did I say I was bringing in here? Okay. So the rollover mount was 57.

[00:11:31]Okay. So for need a calculator.

[00:11:37]Okay. For my fulltime I brought in 1923.92.

[00:11:47]For my part-time it was $897.39 and then no other.

[00:11:58]Okay.

[00:12:07]Okay. So, we have $2,878.31.

[00:12:15]Okay. So, coming down here to my fixed bills, we're doing $618 to the mortgage.

[00:12:27]We are doing $10.99 for iCloud.

[00:12:32]My natural gas came in at 5423.

[00:12:39]My city utilities was 13721.

[00:12:46]The internet will be $100.

[00:12:52]Navant is going to be 133. And then I did go back on Moheila and look because my payment is scheduled to come out and it is 4.44.

[00:13:03]However, that will not be my normal payment. Um, and when you look when I look at the breakdown or the statement or whatever, um, it's like um $25 or something from like August of 2024 or something of that nature. I don't know where that came from. So, I'll be interested to see what June's payment will look like because it it tells me that my payment is 428 each month, not 444. I don't know.

[00:13:39]So, to cover the 444 this month, I need to put 230 for Moila.

[00:13:47]So, our total for our fixed bills We have a total of $1,28343.

[00:14:15]I'm going to subtract that from 2,87831.

[00:14:21]So, we're going to have $1,594.88, roll over.

[00:14:36]So, for discover, we're doing 400. This I put this in my variable section.

[00:14:43]And then therapy, I am just going to set 15 to the side. And the same with medication.

[00:14:51]Okay. So then I'm changing a little bit of my envelope amount. So groceries will be 160.

[00:15:00]I'm still going to leave home at 20, but I am bumping fuel up cuz baby, if you know, you know. I just looked at them gas prices and one pump was like 4 something.

[00:15:15]Mind you, this is like literally after I just filled up both vehicles. And the other one went up to 5.99 29 529 something baby. So even before it hit the fours like in the very high threes it was taking me like my one vehicle is a a bigger SUV. So it was taking me like 4245ish dollars if I was sitting at a quarter of a tank to fill up. And then my other one that the smaller one was taking me like a 25 to 30ish to fill up if it was at a quarter of a tank. Um so I can only imagine at the $5 what it's going to be.

[00:16:03]So we're going to do 200. I'm going be very very um mindful of my driving.

[00:16:13]So 200 for fuel. We're going to see what that gets me. Um because I did do 93 or I spent 93 this past week. So I'm thinking if I do 100 each week and it wouldn't be as bad, but I I commute so I drive 35 minutes one way to work. So that's essentially a whole hour of highway driving that I do uh seven days a week. So spending, we're going to still leave at 50. We're going to do 60 for eating out, 10 for miscellaneous, and this does cover for two weeks. And then buffer will be 10. So my total for variable.

[00:17:07]Okay, so 940.

[00:17:10]So, not too bad because I literally was budgeting 935 anyways. So, we're going to subtract that from 1594 888. So, we have 6 54 88.

[00:17:26]And then down here in my savings, I always do 75 to maintenance.

[00:17:34]My ally savings is always 10.

[00:17:38]Okay. So, if I subtract 85 from my remaining, I have $569.

[00:17:46]But remember, 57 is rolling over um to my scing funds.

[00:17:56]Is that what I said? Yeah.

[00:18:00]I feel like something is wrong. 757us.

[00:18:06]Yeah. Okay.

[00:18:09]I had to make sure my math was right.

[00:18:11]Okay. So, subtract my 85. So, we have 57 plus the 450 that I try to always do.

[00:18:19]So, that should be 450 + 57 is 507, which leaves an extra $62.88 for my debt. So, I'm going to do 462.88 total towards my Discover card. That is my main priority right now so that I can pay it off before the 0% interest um ends. And I think I figured out if I do about 425 430 each paycheck, then I can pay it off at the end of December.

[00:18:59]So, anything above that is helping me pay it off sooner. Perfect. Okay.

[00:19:05]So let me make sure that this adds up correctly.

[00:19:12]Okay, so we are at 654 88 which means we have zero rolling over. Okay, so that is what our plan is for my money.

[00:19:28]Um again my bills are automatic. So what I need for my bills will stay in my bill account.

[00:19:35]And then um the only thing that does not stay in my bill account are my debts.

[00:19:43]Not these debts like my Discover like anything I'm paying to credit cards. It does not come from my bill account. It comes from my main account because it's not an automatic payment. It is something that I physically go in and pay. Um so I keep that in my main account. Everything in my bill account is automatic payment. So, I literally put the money in there. I just am checking periodically and checking off to make sure that the bill did come out and that the amount is correct. Um, and then I have a buffer in there just in case a bill comes out and it's a little bit over or something of that nature.

[00:20:24]But that is that. So, I have two two accounts. Two checking accounts.

[00:20:31]Yes. So, that is all that I have for you guys today. It was really sweet, short, and quick just so that I can finalize the plan for my money, know how much I need to pull out for my scing funds and for my wallet. These two will also get pulled out and go into my um syncing funds because I don't have a therapy session until the end of May. Um so, that's it's fine.

[00:21:00]and then we'll be good to go. But uh I thank you guys for staying tuned to the very end. If you like this type of content and you're not subscribed, then I would highly encourage you to hit the subscribe button, hit the bell notification so that you're notified every time I do upload. And I will see you good people in my next video. Until then, have a wonderful day. Bye.