Welkom in het virtual property show gebrouw te jy by private property. In dit video gaan we kieke het installement sale method. How to buy property with no upfront cash en no bond approval. Now, a few years ago I read the book from Robert Kiyosaki en dit little book called Rich Dad Poor Dad changed the way I think about property investment. Now in this book he said he went and bought a lot of property, but in my mind I thought I'll have to get bond approval for all these properties en dit method dat I'll share with you today can show you how you can buy property without getting bond approval every time you buy property. I was fortunate enough to meet with Mr Robert Kiyosaki last year in Santon and that was a humbling experience, but when I met him and as I listened to his keynote speech at that event I also realised that this guy has got a lot of tools in which he can make money from property. Now one of the ways is the mortgage sale method, which is the traditional way of buying property with a mortgage, but then there's also the installment sale method, which is the method that I've been using for the last couple of years. And in this video I want to show you the installment sale method. Now when do you use the installment sale method? The installment sale method is best used when the outstanding debt on a property and the asking price on the property are close to each other, then you can use the installment sale method. Now in a declining market post COVID all around the world you can now use the installment sale method on a lot of property because a lot of property, the people would like to sell that property at the price that they owe on the property and in some cases the outstanding debt might even be more than what the market is currently willing to offer them. And so now you can do the installment sale method on any property where the outstanding debt and the asking price are close to each other. Let me show you. In South Africa there's no question, tough times ahead for South Africa. That's from investing. Now there's many articles like this, but I'm not going to focus on that for now. Let's rather focus on how you can use this installment sale method. The best way to understand the difference between the installment sale method and the mortgage sale method is to look at the comparison between the two. Now first of all a property has got a title deed because you can't move the property around. The title deed will state who is the owner of that property. Now if the owner bought this property cash, then the title deed will simply say this property belongs to person X. But if the person who bought this property took a bond against this property from a bank, the bank will put an endorsement against the title deed saying that there's an outstanding bond on this property. Now the mortgage sale method versus the installment sale method. First of all when you buy a property with a mortgage sale, then the first thing that they will do is you will have to apply for a bond immediately. But the majority of South African people struggle to get bond finance approved. And this method can allow you as an investor or a first on buyer to buy a property without getting that bond approved. Okay, so let me show you how it works. With a mortgage sale method, your bond, your new bond will replace the existing bond. And to do that they will then transfer the title from the seller's name to your name. And because they have to transfer that title that in the title deed you have to pay transfer costs. Now that's a lot of money up front which you need to pay immediately. Now also the bond cost because you are now cancelling the existing bond and registering a new bond there's legal fees involved in cancelling the bond as well as legal fees involved in registering the new bond and that must be paid up front. And then of course the risk of property ownership is high if you for some reason can't afford to pay this anymore then the bank can come after you and so the risk is quite high. Now if you lose your job in the next couple of years and you just bought the property today then this can become a big concern. Now with an instalment sale you don't transfer the deed immediately. So basically what will happen is the property will remain in the seller's bond and in the seller's title. You will just simply have an agreement stating that you will pay the existing bond directly to the bank and you will only get the title of the property transferred into your name as soon as you have settled that full existing bond on the property. Now with an instalment sale agreement basically what it comes down to is you as a buyer will go to the seller and undertake to pay off the existing bond on the property and the property will only be transferred into your name as soon as you have settled the full outstanding bond on this property. Now of course to protect you as a buyer what the attorneys will do is they will endorse this instalment sale agreement against the title deed and this endorsement is a legal way of protecting you as a buyer so that when you settle the full outstanding bond amount on this property then you will get title of this property. On the other hand it also protects the seller in dat if you as a buyer start to pay the existing bond and at some point you default then the property owner, the original seller can get the full title back of the property they can remove this endorsement sale agreement and they can sell this property to an outside buyer. Now that is how they protect the seller and how they protect you but let's look at the benefits for you as a buyer with an instalment sale agreement. First of all you don't have to apply for a new bond you can pay the existing bond that is a big benefit because not everyone can apply for new bonds in South Africa. The next one is you don't have to pay transfer fees up front in fact if you do the course with us we will show you how you can only pay 50% of that transfer fees and you only pay this when the property gets transferred into your name. Next one is bond cost you don't have to cancel the existing bond and apply for a new bond so there is no bond cost applicable up front. In fact if you sell this property later on even before registering a new bond then you can sell this property without ever having to register a bond on this property and then the next one is the low risk because with an instalment sale if you as a buyer for any reason default and you cannot afford this property anymore then you can simply cancel this endorsement and the seller can then sell the property to someone else. Now that is how you as a buyer is protected with an instalment sale. Let's say the outstanding debt on a property is 1 million and 50,000 rand the highest that the market can offer is a million rand meaning the seller will have to pay in 50,000 rand to get rid of this property now most sellers who can't afford a property anymore also don't have 50,000 rand to pay in to get rid of the property this leaves a big dilemma for the seller now we as investors will easily then take this property with an instalment sale agreement and let me show you why because the outstanding debt will not go away it still remains at 1 million and 50,000 rand but as a property investor we will then pay 1 million and 50,000 rand with an instalment sale instead of 1 million rand with a mortgage sale and the reason is because it is a win-win situation because now the seller doesn't have to pay in that extra 50,000 rand but we as an investor also gets a benefit in the cost, the cash flow remember Kyosaki in his book says cash flow is king and that is what property investment is all about so let's look at the cash flow in this deal if I buy this property and I pay this 1 million and 50,000 rand directly to the bank that means I don't need to apply for a new bond and that has got a lot of benefits first of all I will undertake to pay this property within 12 to 60 months and that's simply because it makes sense for the seller to do that but also I will probably keep it for around 3, 4, 5 years and then sell it before I reach the 60 months time limit then I will pay the municipal rates and taxes the building insurance, the levy, the homeowners the armed responses, maintenance and any other minor upgrades to this property so I will take full responsibility for this property and I will pay all the cost for this property exactly the same as if I owned it except I will not apply for a new bond I can simply pay off the existing bond that's the biggest difference now the difference comes in the cost first of all with a mortgage sale bond approval is needed that takes time and it takes affordability and a lot of paperwork with a mortgage sale method it's a lot of red tape that must be done with the installment sale method I can get the attorneys to act on this immediately the next one is 10% deposit if you buy properties in a business with an installment over for mortgage sale then you're most likely going to pay 10% or even 20% deposit that's 100,000 rand cash needed upfront bond registration fees for a million rand property is 30,000 rand transfer fees is 24,000 rand so the total upfront cost is 154,000 rand needed to buy a property, a million rand property with a mortgage sale with an installment sale method however no bond approval is needed endorsement cost of the installment sale against the title deed is only 4,500 rand so the total cost upfront is 4,500 rand so mortgage sale method total cost upfront 154,000 rand installment sale total cost upfront only 4,000 rand that's 150,000 rand difference plus I don't have to get bond approval that is why property investors and normal buyers want to buy properties with an installment sale now with the benefit for the seller is of course the 50,000 rand that you can get more for your property with an installment sale right now let's look at the next one these are four properties that I actually bought with installment sales and these are my own properties and I'll run you through the numbers the asking price on this was 450 I bought it direct from the seller for 380 after running the numbers the 380 gave me positive cash flow from my tenant so the sale price was agreed on 380 the outstanding bond was 245,000 so I paid in 135,000 rand to buy this property because this property is cash flow from day 1 the tenant will pay it off in the outstanding bond which is only 5 years left within 5 years and so basically I paid 135,000 rand for the property which is worth 450,000 rand and currently my tenant is paying this property all for me and I've got a positive cash flow so this will be paid off in 5 years since the date of purchase and there's about 2 years or 3 years left on that property this one was in the market for 620 it's worth 620 but my numbers which I ran using the spreadsheet gave me the purchase price of 570 so I rushed over there I offered them 570 they accepted my offer the outstanding debt was 545,000 so I only had to pay in 25,000 rand to buy this property I didn't have to get bond approval and this one added positive cash flow because the tenant paid 8,000 the total cost was 770 and so my net income per month is 254 and so that gives me a positive cash flow so basically I bought this property for 25,000 rand and my tenant is basically paying it all for me and this one will be paid off in 6 years since the date of purchase this one was worth 1550 I made an offer of 1360 they accepted and that amount gave me a positive cash flow so the sales price was 1360 I paid 1320 this couple immigrated to New Zealand so they really needed 40,000 rand to pay for the container and so I gave them that 40,000 rand so I solved their problem they were happy to get rid of this property because no one else wanted to buy it at this price and so I advertised it subject to a tenant and I got a tenant at 13900 which gave me 165,000 rand a month net income so the purchase price was 1360 the value when I bought it was 1550 and the gain which I got when I purchased it was 190,000 rand the tenant is busy paying it off and it will be paid off in 7 years in fact this one I just sold and I took my profit on this property right away so this one for instance the value was 680 I rushed there I ran my numbers and I made my offer at 570 because that would give me positive cash flow every month so my offer was 570 the outstanding debt was 570 I didn't have to pay in to the seller anything and so I got this property at zero cost and my tenant is busy paying it off for me so this one will be paid off in 6 years as well and I basically got this property without paying anything upfront and without any bond approval needed so this is a great deal so this is what we do and I can help you to do this if you want me to help you do this let me know so the way that we do it is we make money when we buy we make money every month and we make money when we sell so let me show you how I made money on these deals for instance this last one I made 110,000 rand capital gain when I bought it so if you just look at the numbers there I bought it for 570 it was worth 680 so I made my money when I bought at 110,000 rand capital gain although I didn't get the money the property is worth 110,000 more than the purchase price that I agreed then the 90 rand a month cash flow every month of course that is the difference between the rent income which I get and the total expenses which includes the bond, the levy and the rates so that's 90 rand a month and then of course this property will be worth well over a million so you can see there on the graph a million rand it will be worth a million in about 8 years since the date of purchase but it will be paid off which is the yellow line in around 6 years so basically this will be a paid off property paid off by my attendant and I got this property without applying for a bond so what is the return on investment when you buy property like this well the return on investment is infinite because you never had money in this deal you didn't apply for a bond and you are getting a property which your tenant is paying more for you and the scalability of this is incredible because you don't have to apply for bonds so that's what we can help you to do now to become what they call financially free for many people it's a very hard thing to imagine but let me just show you this example let's say a property a two bedroom one bathroom 6500 rand per month the average income from a household that actually lives in a property that rents out for 6500 rand per month is a more or less 32500 per month now let's say you've got five of those properties and each of them pays 6500 rand per month net income meaning you can basically live in one and rent out the other four and you can no longer have to work but now let's say you can do 10 of those and you can get 6500 rand per month that's 65500 rand net income now to do this all you need to do is buy 10 properties get tenants in that pay the cost of the property and let the tenants pay it off over time and that's how you do this so we can help you to do this and the difference for me personally came when I started asking a new question because my question always was why can't I do this you know, you might sit there and say but why can't you do this and I'm asking you to change the question from why can't I do how can I because the moment that I ask a different question how can I do this then the answer started coming and I can help you to do this as well so these are my actual 10 properties and my goal is to have these 10 properties paid off debt free in 6 years and what I can offer you is I can help you to do your first property with an instalment sale so basically the cause that we are presenting to you can help you to do your first property once you understand how easy this is you can then do your second property and once you get it right yourself then there's no limit you can decide how many properties you would like to own now let's just look at the financial crash and how big this opportunity actually is this is one of my actual properties which I bought the actual lightstone report in information so this property was worth 130,000 rand more or less in 2000 and it was worth 650 660,000 rand in 2018 now if you just draw a straight line and you take average on average then it's about 9% increase in a year for this property to grow now this bubble there 2008 that's when the financial or the real estate bubble or the financial crash happened that everyone talked about but as you can see property prices didn't entirely crash they just came down slightly meaning that just before 2008 property prices were higher than just after 2008 and that is the opportunity of instalment sale because the moment that the market declined slightly then there's people who got 100% loans who now owes more on the property and that's where you can do an instalment sale agreement and right now in a declining market that opportunity repeats itself so let's look at the big opportunity of 2020 remember what we said the South African economy will face its deepest contraction in 90 years now you can get a piece of this pie if you use the right tool and right now the right tool is the instalment sale method because you can get properties without applying for bonds so this is my question to you what would you like to do okay now if you ask this question why can't I then you will most likely go and google this and you will find a number of such results and you will most likely find a reason why you feel that you cannot do this but that's not what successful people do we look at the such results but then we go ask the experts and we don't trust everything that's written in the cloud so if you ask the question how can I then this is where we can help you now the property academy is offering a free instalment sale workshop we are working closely with Bruno Samauer attorneys Visit LR attorneys and SSLR attorneys and we'll give you this free instalment sale workshop if you register on the link by following the link below now you can also speak to me or any of the sales consultants about our online courses which you can do to do your first instalment sale agreement but the big thing is start by taking action now going back to this picture taking with myself and Mr Robert Kiyosaki you can see that there's a lot of differences between the two of us but there's one thing in common and you can see that when you look into our eyes both of us can see an opportunity and we are not afraid of taking action so my question to you is are you ready to take action if you are please click on the link for the free instalment sale workshop and I'll be happy to see you on the other side and help you to watch your first property deal buying it with an instalment sale agreement my name is Jeroen and I'm a proud member of the South African Property Investors Network I've helped a lot of people and I can help you as well and I'm not afraid of taking action so if you are ready then I'm ready and we can help you through the property academy with this free instalment sale workshop I'll see you on the other side


Hey friends and welcome. Welcome. Welcome. Welcome to welcome back. I so appreciate you guys so much Thank you and welcome to all our new subscribers if you're new here I'm Yoshiba and this is Norris Cove, and I'm a self-employed hairstylist Neil Tagg when I want to be and I also run an Etsy shop and have my own website of Stationary stickers you name it budget inserts. I got you So I'm not going to prolong this. Let's get into this video today. We will be stuffing $313 you guys. This is my quote-unquote busy week. So This is not a lot, but it's still low income and I just want to have my money Somewhere to go. So if you are interested and you're looking forward to this video, please stay tuned Okay, you guys so Let's get into it. So first things first. I empty my change.  I Keep my little money rock in here Money stone Y'all it's gonna be hard for me to get I'm thinking about switching I'm sorry. So I'm gonna enter this change into our change Container and then I'll be right back. Let's see how much we got Pretty good this week. So you're right back This is how our change is feeling. It's getting there. It's getting there So you guys got a couple of new things this week. I have a new Tip so it says tips there a new tip envelope And let's see what else Here's some money Okay, so I'm just kind of unstuffing the stuff if that makes sense and then we have some left over Out of our other Binder slash wallet and this holds if you need this is new and it holds my cash envelopes and We have a new category in this one not in this one and I can't remember where this money came from you guys. Oh and In products, I'm gonna take this change out of products I don't need to change not at the moment. Well, you know what I should let it stay Let me take that change up I did get products this week. I don't think I use that I'm gonna put this over to the side once I'm a change over to the side and I'll add that later So we should have three hundred and thirteen dollars. Let's get to counting. Also. I have my iPad today because I made I needed a Envelope system like how I'm divvying this up So let's get to counting. Now. This is what I've taken out the bank. What was left over? 2046 these are stuck together 60 80 100 10 20 30 40 60 70 75 80 85 90 1 2 9 3 9 4 9 5 and 6 9 7 8 9 9 200 1 2 3 4 6 7 8 9 and 10 So we have 210 And then we should have 90 in our tips and I didn't have to dip in my tips this week This is what I earned in tips this week to the point. I mean actually to the you know number We have 90 so we have 300 We even got a 50 there and I'll put this back and I love this better than my other one because for some reason it seemed more secure I don't know plus it's huge. It's cuter and I even made me some Teller bank teller Think we did here, but I don't use it because I Deal with Navy Federal and the bank be off the hook the line is long all the time And then what we have in roller we should be 13. So it's 10 and 13. So we have $313 Now We took care of that. Oh, well, I'm thinking about it because it's gonna be an expense I started making these peekaboo envelopes just was playing with it at first actually liked it So our new category is date night. And let me explain date night with me and my husband went out for an aversary I like to eat nice. So I pay so I was like we have to do more date nights We don't do date nights a lot. So he was like he made he know the suggestion He said how about because he pages pretty much all the bills So he's like, how about we just put $20 a week into an envelope or to the side each week And so he's gonna cash at me $20. And so we're gonna both put $20 a week So we're gonna let it build up and then we can take ourselves somewhere nice. And first I'm like, am I getting guy? but I think it's fair and so I was just playing with these envelopes and I actually like them I'll probably add them. Of course, they're gonna be like in the line with The dollar envelopes and I was gonna do the dollar envelopes. I mean the 100 envelopes this week, but I think I'm a wait Because I haven't finished the first of all. Okay, so oh and then another update you guys is I Did this binder up? This is our low priority Binder at the moment and I just put this vinyl on there and then remember the black one that I'm giving away This is not the only go away, but I'll have a black binder for you I have some binders coming and I just did her up put Norris Cove and Has a Chanel drip on it and this is a high priority binder Cash envelope binder and then this will be our like bills and feature Things okay, so I did keep the final facts. So Let me turn on Gonna go to good notes. It should still be open So this is our break down. Let me bring it down a little bit Move that light. Okay, it's gonna be there. Okay, turn that light out so the glam wouldn't be so bad Okay, so we have date night products gas eating out Gifts Christmas taxes savings IRA nail supplies household business both moves Bentley vacation and then our challenges This is what we'll be stuffing. I'm sorry. I'm trying to light away This is what we'll be stuffing this week. So I made this insert Whatever break down because I was tired of writing on a sticky note and trying to figure out and I lose the sticky note. So So we are stuffing $313 and this is our break down. So we're gonna go to date night and Then I've done my total and then I made it in color because most of my inserts are just very minimal and then one of my Customer she was like she added color because she was like, you know, black and white is kind of playing And I love a little bit of off pink. So here we go And so this is what everything should total to now the only thing is I may have a problem Which is I didn't Match the money up to this. So we're gonna see so let's go to date night. So we're in this binder here I bill's binder and date night gets 20 Now I made this envelope But I noticed I cut it too close off on the edge, but it's okay because I'm gonna remake this one. So that gets a 20 $20 bill But it's okay for now And then I'm just going and checking it off.  Next up is products I got a lot going on. I'm gonna sit this over to the side so next we have products and products gets a 10 And everything is in view. Here we go So we're gonna get a 10 for products and then gas gets 20 I did get gas and let me explain what I'm doing So we get one 10 and two fives What I'm doing is I'm going to be using my card for some of the things But I'm going to be building up these envelopes That's the decision that I've come to is that I still need to build these envelopes up and on good weeks like this supposedly I'm going to Go ahead and just still feel the envelope eating out gets a 10 Wait a minute So see I got down like I had like 10 10s and I don't So we're gonna give eating out Let's get at two fives because So I'm going here and erase that I said a 10 out gets two fives And check that off Okay gifts get $10 and I have A $10 bill, but I don't really want to do that But I guess I will get to So I try to kind of prep so that I'm not stumbling through the video, but again, I'm still new to this y'all so Bear with me Okay, this thing is gets nothing. So we're done with this binder for now So now we kind of go into our high priority one, I believe I don't know. So yeah, Christmas isn't here I'm gonna skip down to challenges. So one in five gets uh four fives two three four And 18 if I got it once Let's hope 18 ones and four fives so one in five gets 38 let's count it Five 10 15 20 21 22 23 24 25 26 27 28 29 30 31 30 233 34 35 36 37 38 So let me check that off And we should have $106 And this challenge, you know, we made it. So also what I'm gonna do With this challenge because we're at the end of the month. We've reached 100. So I'm going to put this money up And start over for the month of I have a little box here lock box I'll show that later, but I'm going to put this in the lock box I'm going to leave six dollars out and then we're going to start over for the month of September and then I'll try to put this like an envelope and I'll put the month on it So this is 10 15 20 25 30 35 40 45 50 55 60 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 91 92 93 94 95 96 97 98 99 100 So we over 106, you know what? I don't know what happened<PHONE_NUMBER>0 11 12 13 14 15 16 So we have 116 and the reason is I was trying to figure out what to do with the other $10 I had laying around so I threw it at the one in five. So that's why That one is over and I'll update this and like I said, I'm going to move this to my lock box and then I will I didn't have some fake 100s. I think let me see I used to sell pure romance and we use fake money. So I have a hundred dollar fake here so I can put that in here and then move um the other To the lock box. Okay. So now we're going to our 2k challenge, which let me tell you what I'm going to do with this We'll be adding 60 dollars to this. We're going to take 220 110 and two fives Okay, so that's 60 20 40 50 50 60 Y'all excuse this thing, but I'm having a Moment a quick little summer. Okay So now we should have 800s I believe we might have a little over 800 because I was trying to divvy up the money So we might have a little over 100 But let's see 800 I know and so this is reaching 1k. I'm still waiting to hear back about our vacation um for those of you new I was saving up this money to go to vegas our vacation got Cancelled we schedule and I don't y'all I caught myself. I got a little adhd if y'all didn't know And I got a little sidetrack telling y'all what happened. Um, my It was me and my co-workers that were going and we were taking like a sister vacation And one of my co-workers kids caught cove it and then she caught cove it. So We're going to reschedule. So let me count this up So what I'm going to oh see I got sidetracked again. Sorry. So what we're going to do Until the announcement is I'm going to either put it in my savings or my emergency fund and then I'm going to I'm going to start a vacation envelope all over. You all will see that later down here So that's 150 my 70 190 210 230 250 270 290 310 330 350 370 390 410 430 450 470 490 510 530 550 575 90 610 630 650 670 690 710 720 730 740 750 760 770 780 790 95 96 97 98 99 800. So we have 800 In our 2k challenge y'all and I started this the end Matter of fact, we're almost to the day. I started this like july 25th. So it's been a month and I've saved 800 dollars Really, I've saved over 800 dollars in a month because we're really 900. So what I may do I don't know to get to my 1k I'm thinking I might combine those two. I don't know but anyway, so let's check off Um Our challenges so we have 800 In the 2k challenge We have 100 and what 16 and the yeah 116 and the 1 and 5 So next up is christmas. I'll hop back up here christmas gets 60 And I have it down as a 50 Because I'm making up for last week when I didn't stuff that remember and then 10 so it's going to get two fives Let me erase this Christmas Oh shoot, hold on and it's going to get two fives. So I know what I put in here So we're at 60 Because we're doing I have a little note here. We're doing 30 dollars a week for 20 weeks So let's see what christmas got. I didn't even think about it And I think what I'm gonna do y'all. This is what I'm gonna do I'm gonna make change Nope I'm about to mess myself up I am going to make change though. Um, let's count it first 50 60 70 80 and 90 we have 90 in christmas. So I'm going to make change. I'm gonna put those two 10 there Take a 20 I don't have a lot of 20s now So we just made change. So we still should have 70 80 and 90 And then I'm going to make change with these two fives I'll take a 10. Do I have a lot of 10s down? No, I'm gonna leave. I'm gonna take that. Okay I'm just gonna keep that. So we're still at 90 70 80 90 So that's in christmas How cool y'all because I don't normally save for christmas. I just take my tips normally and do christmas So we're done with christmas. Next we're on taxes taxes. We'll get five dollars One two three four five I'm running out of what I said I would have because I didn't Do it, but it's okay. We'll make change somebody else So taxes gets five And I never really save for taxes. So like I said, I'm just building these envelopes up Savings gets two fives. Let's see if what I have in savings Hopefully I have a five in here. If not, we're gonna have to make some change. Oh, I do I do so savings gets um Two fives, but I already have Let's see Let me put a 20 in here because I don't have a lot of 20s. So that makes 10 So I'm gonna put that back here that makes sense y'all so we should have 20, okay So now we have 21 in savings Okay IRA gets Supposed to get five ones, but it's going to get these two tens is getting 10 I need to mark that off. So the IRA gets 10 and this is for my retirement I've been looking into different things. I do like mutual funds. I've used mutual funds in the past Mutual funds are kind of my favorite way to save but it's been a long time So I'm looking at my bank and the IRA rates and things like that So I want to build this up to be able to put at least started off at 500 Because it's showing that it doesn't need a minimum balance or whatever to deposit, but I'm not too sure I'm just going to do some looking around, but I'm trying to get this at least a 500 Okay, so emergency fund. I'm not putting anything in here. But like I said once The 2k gets to a thousand. I'm going to transfer that either to savings or either to emergency fund I'm just trying to wait and see when our vacation will be Rescheduled. Okay. Nail supplies are supposed to get three So we're going to have to make some change somewhere. So I'm going to set this aside And now we're in like our low priority So nail supplies gets three So we're going to have to We got three four five Hold on. I'm going to have to make some change on that. So I'm going to come back to that one Household gets five dollars So since household gets five dollars, I'm going to change out this five Take this 10 And then I'll go back to nail supplies Okay Business gets 110 business supplies gets 110 It has nothing at I bought some stuff This week but not necessarily for that business Boss moves gets 10 Boss moves doesn't have anything we need to make some change. So we're going to make some change through our fives. I believe So let's make some quick change. Let's go to One in five since we're already at 100 and we want to decrease this drawer 20 I maybe want to decrease this 10 15 20 So now we've I didn't want to do that in those fives because I really wanted to look at those fives, but it's okay so All right, so now We're back to boss moves. It's 10 So we're going to give them two 10s Two fives And then don't forget I need to go back and make some change with nail supplies Which I'm just going to keep that real low Boss moves got their 10 Bentley he gets five Bentley needs food this week y'all and guess what Bentley has Some money. I'm not starting to fight 52 the 5k 52 week until next week, which will be September so Bentley gets five Okay, vacation gets Um, let me see what I got here vacation gets 20 five 27 supposedly Uh-oh, let's make some change. Let's go back to That's the last one I got to do is vacation. So we got to go back to nail supplies And make some change And I think everything will work out. So nail supplies get a five. No nail supplies get three dollars So I'm gonna take two Take a five And that should put us right. So that's eight dollars for nail supplies This money look. Oh, I'm mess But lord, I thank you for it I do I do I do Okay, so we've taken care of nail supplies and I got to put some slips back here I'm just going to start a whole new slip thing because these I just print on regular paper I want to print those on a little bit of thin kind of card stock. So vacation gets 27 And this should be it Five 10 15 20 25 26 27 We're right on out And that would be vacation So now vacation has 27 dollars. So like I said once We figure out when we're going to be going and where we're going I'll be adding more to this. I'm hoping it'll be kind of like next year But I think we're leaning more towards next year and that'll give me time to You know save more and then I'm going to start mine because I don't have Any savings you guys besides what you all see here. So I'm definitely going to be going to That um So we've checked off everything on our list. No, I'm sorry about these lights and we stuffed 313 dollars today. It's the 28th And everything got checked off. Now my numbers was wrong, but it's okay. We made it work We still evened it out and I will be going through and probably condensing some of these Um envelopes, but definitely I'm going to that five challenge being that we're at 100 So every hundred dollars, let me get to it every hundred dollars I'm going to condense the one in five challenge. I'm going to keep that going because that's the easiest challenge. I've ever done Um, I think people separated, you know ones and fives, but I really like just putting them together So that worked out. It did make that a little smaller. So, um, I don't think I have any more condensing to do I had a 50 here and a 50 here. Okay, so That's it. Um, I don't have any hundred dollar bills, but if I get any hundred dollar bills, I'm going to change the regular challenge out um So that's it you guys um Also, I think I showed you guys, but I'm making these half envelopes. I'll probably make them available Soon and they'll be in like a set of six, but of course, they'll be the luxury Um envelopes and I'm going to shoot for next week on that I'm going to make a budget section on my website and then on etsy. I'm just going to be getting rid of some stuff So if you're into some of those other stickers, it's my etsy'll pretty much go to budgeting and downloads At this point because for those who I knew this is where I started out on my channel was budgeting Um, I'm very passionate about it even though I struggle. I still I'm just no I'm no quitter. So Yeah, these are the binders that we stuff today you guys and I'm excited Um, maybe we'll do a video. Let me know if you want to see a video me tallying up What all I've saved because y'all I've only been doing this since july 25th. I restarted my budgeting journey As far as stuff and cash envelopes july 25th So let me know what you think and again. Hello everyone. Hello. Hello. Hello. Again. I thank you so much from the bottom of my heart um You guys I was not going to put up that $88 video And I'm so glad I did because I get to welcome all of you guys here And I appreciate you so much So if you're new here and you want to see more videos like this, do your girl a favor. Listen here I'm on the big I'm trying to reach 1000 subscribers so I can continue to pay off that continue to stuff these envelopes And you'll be helping me by doing that getting me to 1000 I will have more of this stuff and I appreciate you again So do me a favor hit the subscribe button Also, get that notification bell because your girl is going to be giving some stuff away So you're going to know what the giveaway prizes will be Soon as we hit 1k and I thank you and I will see you guys in my next video. Bye