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10 week until Christmas! Lets add $40 to the Christmas Packet and $328 to the Binder! Nicole here, Welcome to my channel! Ive been budgeting for every last dollar, cash stuffing our spending envelopes and trying to pay down some nasty credit cards while saving cash in some sinking funds envelopes. Thank you for hanging out with me on my journey! Here are the Etsy Shops, YouTube Channels and Challenges used or mentioned in this video: Liz, YouTube: @LizAndLess Etsy: https://www.etsy.com/shop/LizandLess Ellie, YouTube: @EllieOnEarth Etsy: https://www.etsy.com/shop/EllieOnEarth Nessa Budgets https://www.etsy.com/shop/NessaBudgets My Etsy Shop is officially OPEN!! Super exciting! https://chatwithnicolebudget.etsy.com Fun Savings Challenge https://www.etsy.com/shop/FunSavingsC... Budgeting with Jenni https://www.etsy.com/shop/BudgetingWi... Luna Light Printables https://www.etsy.com/shop/LunaLightPr... Sisters on a Budget https://www.etsy.com/shop/SistersOnAB... Simply Living Saves https://www.etsy.com/shop/SimplyLivin... Star, YouTube: @Budgeting4Me Etsy: https://www.etsy.com/shop/Budgeting4Me Erica, YouTube: @EricaBudgets Etsy: https://www.etsy.com/shop/ericabudgets Other Links: My Etsy Shop is officially OPEN!! Super exciting! https://chatwithnicolebudget.etsy.com Cute new unicorn dice roller: https://www.etsy.com/listing/15937028... My Google Drive Freebies Folder: https://drive.google.com/drive/folder... I love snail mail!! If youd like to reach out, below are 2 ways to do so: Chat with Nicole and Budget PO Box 861 Beaumont, CA 92223 My email is chatwithnicoleandbudget@yahoo.com **Please Note: I am in no way a financial advisor. I am only sharing with you what is working (or not working) for our household. Please consult a professional for any financial advise. #budget #budgeting #budgetwithme #savingschallenges #sinkingfunds #cashstuffing #cashenvelopes #cashenvelopestuffing #savings #savingstracker #howtobudget #howtobudgetandsavemoney #debt #debtfree #debtfreejourney #studentloans #creditcard #creditcarddebt #howtosavemoney #cashenvelopestuffing #cashenvelopesystem #cashenvelopewallet #cashenvelopebudgeting #zerobasedbudget #zerobasedbudgeting #daveramsey #Budgetwithme #SaveWithMe