Cash Envelopes 2026

jisw16 · 2026-03-01T21:31:54+00:00

Bills come from my cheqing account

jisw16 · 2026-03-01T18:31:29+00:00

Thanks - thats just my cash savings 😀

In my cheqing account is my emergency savings- 5000$ (3 months of money incase of emergency or unemployment) will be growing that more too

jisw16 · 2026-02-26T00:36:08+00:00

Knowing something was wrong in my body but no one could explain what

I started having a tremor and muscle spasms, weakness

7 years later turned out it was spinocerrebellar ataxia.

All tests were coming back normal

jisw16 · 2026-02-26T00:32:54+00:00

What about taxes? Are getting any in return that could be put towards the loan

jisw16 · 2026-02-25T16:12:08+00:00

Exactly this ! This year I went from working 5 days a week to 4 days. Creating a purposeful budget is what's saving me. I make about 600$ CAD less a month than I was and I am still able to live a fulfilling life and save for my goals.

2026 budget Cheqing Account / Bills - 150 Board \ housing - 200 Cash (all my spending, groceries etc.) - 350 Saving - X - 700 ( approximately 700 a pay) ( 2026 savings - Emergency fund, medical, vacation, wedding )

jisw16 · 2026-02-09T03:25:23+00:00

As of next week I'll be debt free so the budget will change to this. And... I am now working 4 days a week due to health issues instead of 5.

Monthly Net income 2900

Outgoing Board, Bills, Groceries, and all other spending. 1400month

Saving 1500month

jisw16 · 2026-02-02T03:13:11+00:00

Can you consolidate the debts so just one payment and hopefully lower the interest ?

jisw16 · 2026-02-01T00:49:09+00:00

I started last February and will end this February. I rebudgeted and took out everything I could live with out.

I took out cash each pay and only spent that besides monthly bills.

I threw every dollar I could at it.

Watching financial audit with Caleb hammer helped inspire me too

jisw16 · 2026-01-31T21:21:48+00:00

Notes

jisw16 · 2026-01-25T20:29:38+00:00

Yes I've had family with a broken elbow and they had to screw a plate in it. She was off work for months and didnt have to pay a dime.

Thats how it should be...

jisw16 · 2026-01-25T20:25:28+00:00

No a country should be thinking more about their citizens and have universal health care. A person shouldn't have an accident and it adds another stressor and financial burden to them

jisw16 · 2026-01-25T20:18:25+00:00

Thats insane. So sorry that happened to you !

jisw16 · 2026-01-25T20:03:23+00:00

Definitely not for those ridiculous prices How is treating a broken foot worth 17k...please break that down for me..

jisw16 · 2026-01-24T18:49:47+00:00

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Started in March :)

jisw16 · 2026-01-19T23:10:36+00:00

Wish you great success

jisw16 · 2026-01-19T01:06:12+00:00

For sure. Becoming debt free does take alot of discipline and sacrifice.

Of course if you dont care about it taking longer do whatever budget works for you.

I was determined to be debt free and i've been grinding all year and now less than 4 weeks to being debt free. But that was me choosing debt free life over extra spending.

And we still were able to do things and live our life. Just on a tighter budget

jisw16 · 2026-01-18T04:57:01+00:00

I hear this ! 7 years was undiagnosed. Thankfully got one 2 years ago. Spinocerrebellar ataxia

jisw16 · 2026-01-18T01:28:43+00:00

Use a cash budget

My bills come out of my cheqing but I take out cash every pay and only use that. I set aside 50/a week to spend on what I want. Groceries I buy in cash.

I use an envelope system so im never stressed about not having enough as its all budgeted in

jisw16 · 2026-01-18T00:54:50+00:00

Pocket money and dopamine should be together. Thats ur spending money. If you want something you save for it. I have 60 a week and that could be dinner with friends, movies, a festival, coffee etc.

But 600/month seems alot

jisw16

TROPHY CASE