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hello hello welcome back to my channel thank you so much for returning if youre new here my name is Paula and Im a 21 year old college student and new mom in this video Im going to be breaking down my budget binder system for the new year letting you guys know which new binders I got what new envelopes that I got what I want to start contributing to in the new year as well as any updates that I have made to my older binders that Ive been using for the past three months so yeah lets go ahead and get started okay so the first binder we are going to go over is my daughters personal sinking funds binder this is anything fixed or variable can pertaining to her I feel like its an all-encompassing binder as well this will pretty much cover her short term and more current needs I feel like the current envelopes that I would that Ive been using for the past three months um they just werent detailed enough for me so I wanted to make some adjustments and I think that these envelopes will