NOVEMBER MONTHLY RESET | budget with me, goal setting + monthly reflection
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- Опубліковано 4 жов 2024
- Welcome back to another monthly reset video! I have missed this SO much. October was an emotional rollercoaster so I am beyond ready to reset, goal set and set up a new budget that reflects our new financial position. I hope you guys enjoy!
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That moment when you can see the relief in your body when you realised you could still save some... aww haha. Great to see you and Nick thriving in your own place again and still able to save.
It is so good to hear you may have Christmas off! I am definitely all for reading every day - you got this girl!! I'm also planning on decorating for Christmas in November - I'm just way too excited!!
thanks lovely! so keen for Christmas 🤩 truly the best time of the year 🎄
Have you considered a subscriber option on Instagram? Or some other platform? You could do something around supporting young people to create a budget; maybe an exclusive Facebook group? A podcast with you and Nick could be good too? So many options!
I totally feel the same way I used to joke about how and why we see family two times a year but i couldn't imagine life without my mom. Congratulations on the new home! New to your channel
thanks you lovely!
Hey hun…you were putting $4000 total into your mortgage. So with that reduced to $1700, plus your $2400 rent it’s pretty much the same amount you were already putting extra into your mortgage! That might be why you are now in a better situation than you thought because of the extra payment reduction? 🧡🧡
that's such a good point! thanks lovely 🤍
Great to see the monthly budget back! So nice to see you so settled and happy Ella - bring on a fantastic November
thanks Matilda! so sweet of you 🥹🥰 have a great November!
I used EveryDollar for about 1.5 years early in our debt payoff journey. At the start of 2022 we switched to YNAB and it’s been such a great decision.
I think it would also eliminate the use of your savings tracker you have. You can do a 34 day free trial but I would say it’s a little bit of a learning curve so I always encourage people to view some of their videos on UA-cam.
Literally my favourite video ever! So proud of you for everything you’ve been through in the last month and thank you for being so vulnerable and honest with us all. You are doing so well and I can see you channel is going to grow so quickly! Xx
ahh you're the sweetest! thank you so much lovely ❤️❤️
I love doing these monthly resets, and every time I do, I am also trying to share on my channel :)
YES YES YES!! You guys are killing it, can't wait for BRISBANE!!!!!!!!
so excited!!!!
Can you please film your digital declutter ? I would love to see how you do it 🤍🤍🤍🤍 love you so much !!!!
I'm trying hard not to just let myself go for the rest of the year and start sorting myself out in January 😅 love these monthly resets 🥰 x
hahaha I know the feeling! thanks gal 🥰
Love these videos glad they are back :) do you use a bank account for saving for Christmas so you know you have the money there ready to go :)
me too! they're my absolute fave to film/watch 🥰 we usually keep our savings for Christmas in our short term savings acct and then transfer when buying something. Then I track using a seperate christmas spreadsheet usually
What's your calendar name? It looks really good and interesting.
Loved this video! You’re inspiring me to reset my month lol😂
Where can I get the goal planner you have? I love it!
there's truly nothing better than a big monthly reset 🤌🏼
Planner is from Steph Pase planners x
Probably blonde question but How does your budget sync with what you actually spend through the month? Has it got connection with your bank account and sync it into categories?
Definitely not a blonde question! If you have the premium version it does but only the free version is available in Australia. I just manually input everything as I spend
You mentioned a couple of times about council rates at 2 properties.... you shouldn't be paying council rates at your rental.....
sorry, that was me misspeaking! we definitely only pay council rates for the house we own, not the rental
You deleted your utilities line, did I miss you adding it back in?
I did add it back in ☺️ $600
Why do you calculate weekly expenses for 4 weeks when a month is 4.33 weeks? Especially rent, if your rent is $610 a week, it would be $610x4.33 for the monthly cost.
probably because November only has 4 weeks they need to pay. Another month they probably will have 5 weeks to pay.
I've replied to this comment of yours before on a previous reset. A lot of our bills and expenses come out monthly or for tightly so we budget for that month. Any months that we have an extra payment we adjust ☺️
@@smileycitrus heya, I couldn’t remember if I’d asked or not sorry.
The most impacted one would be your monthly rent calculation. For example, 4 weeks is 28 days (4x7), so the only month that is actually 4 weeks is February (non leap years). All other months of the year are more than 4 weeks, typically 30 or 31 days. It’s the same for mortgages and rates. That’s why if you’re paying monthly (ie on the first of every month), your landlord/agent will give you a monthly figure and it’s never equal to 4 weeks rent, it’s always slightly more. (Exception, in Singapore they do monthly rents which is an even number, for example $4000 per month, however Australia calculates rent weekly so monthly rent would be an odd number like $2534.54). Even if you are paying rent every 4 weeks (28days) or 2 weeks (14 days), you’ll find that every month you would be a couple days short and would need to make another payment before the month is finished to avoid arrears.
Calculation wise for budgeting purposes, you need to allow more than 4 weeks worth of rent, because you’re paying more than 4 weeks worth of rent to live there each month.
There is an exception, which is if you’re working off a weekly budget, and pay rent weekly, for example every week on a Monday, but most people tend to do monthly budgets so need to calculate accordingly. You could even contact your property manager and have them give you the monthly rent figure. Or you could have them give you your daily rent figure and times it by the number of days in the month you’re budgeting.
I don’t think I’ve gotten my point across well because I’ve just woken up haha, but hope you’ll look into what I’m saying. This calculation is an easy one to overlook and it does add up over the course of 6/12 months.
That being said, I’ve said my point now and won’t comment this again, I hope the next 6 months is good for you both and that your new home is finished as scheduled so you can get a cute puppy next haha!
@@califlorican heya, 4 weeks (4x7) is 28, November has 30 days. Every month except for February, on non leap years, is more than 28 days/4weeks.
@@melissayoutube Lol thank you for the calendar lesson. My point is that if you pay for your rent on Fridays and there are only 4 Fridays this month, that's how many times you pay rent. If there are 5 Fridays you pay 5 weeks rent.
What is your full time job?
Accounts Receivable Officer 🫶🏼