"A lot of people that buy from us are budgeters and people who save, but there are also people who buy from us because our stuff is really cute," she says. Her line of products has expanded beyond just the necessities as more and more fans have begun to identify with her brand. She did, and then some: From April through year-end 2021, the business pulled in almost $250,000. "I just went into it hoping I would make my money back," she says. Taylor, who had tried and failed at a few entrepreneurial ventures in the past - experiences she says she learned from - kept her expectations modest. In spring of 2021, Taylor used her $1,200 stimulus check to form Baddies and Budgets, buying a Shopify account, shipping supplies, material for cash-stuffing wallets and a Cricut machine to print labels for envelopes and wallet covers. "I looked around, and I couldn't find a bunch of shops that were selling the items you needed to cash stuff," she says. Second, she realized there was a market for people like her who found cash stuffing attractive but found plain, old envelopes drab. First, in the realm of money content, which Taylor says she typically finds boring, she had found something that people genuinely wanted to engage with. Looking around the marketplace, she noticed two things. Old-school budgeting: 'My grandmother used to do that!'Īfter Taylor's early videos went viral, she wanted to capitalize on the large audience she had built. This year, it's on track to clear $1 million. In 2022, the business pulled in about $850,000. Once she established a big following (she currently has 628,000 followers in TikTok), she turned cash stuffing into a business - Baddies and Budgets - through which she sells money courses, budgeting supplies and other accessories. In the first year of getting her money in order, Taylor was able to pay off $23,000 in student loan debt and wipe out her medical debt and credit card balance. Posts of her managing her finances by stuffing cash into envelopes soon went viral. She decided to hold herself accountable by posting on TikTok, which at the time was "mostly kids dancing," Taylor remembers. "I found cash budgeting and I literally stuck to it," Taylor says. So, like just about everyone else looking to finally figure something out, she went to YouTube, where she discovered "cash stuffing," a money management strategy that changed her life. She held about $60,000 in student debt and another $9,000 in medical and credit card debt. Taylor had recently lost her full-time job and was getting by on side hustles, delivering prescriptions for pharmacies and food for DoorDash.
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