How I Budget and Manage My Money as a Minimalist
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- Опубліковано 16 вер 2024
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I agree! This is what I have been doing for the last 30 plus years, I am 55 now and thank you my younger self lol! Always pay yourself first! Right now I am on my last week of a seven month around the world trip, would never have been able to do that if I blew my money when I was younger. I am mortgage free and financially free and work because I choose to not because I have too. People tell me I am lucky but luck had nothing to do with it.
LOVE this
Well done Lisa. I'm a little older than you and regret not doing what you have done! Any young people reading this; take heed!
So happy for your world trip. Favourite place?
@@cathyraniceto so far Namibia and Botswana were my favourite. We camped through both and did an Airbnb in the cities and at the coast of Namibia. I brought my 11 year old daughter with me and she turned 12 during our travels and she loved South Africa and Vietnam the most. Right now in Colombia where one of my older kids (I have five) and my husband joined us. I had my first child as a teen and adopted my last at 45, so there is a big age gap between them.
Been working myself to death and I'll probably be in good position in 12y when I'm 55 as well. But at what cost.
As much as I followed dave ramsey, TFD, etc, this is how I basically got my finances in order a few years ago. Thanks for the reminder
I like TFD. Ramsey on the other hand…is a lunatic.
Nicole, I’m really enjoying your channel. Being a long time Simpsons and South Park fan, LOVE the little “inserts!”
I’ve always been single and the first half of my career I didn’t make much money so I made myself adhere to a strict budget. I really had no choice.
I’m now retired and because of my budgeting and “frugalish” lifestyle over the years I don’t live by a budget because I don’t really have to. The frugality never really went away for me, but my home has been paid off for several years and I bought a second vacation home in the mountains (a dream of mine) 12 years ago. Both homes are now worth 3 times what I’ve paid for them.
You’re very financially wise and I’m sure your channel is helping many “figure it out.”
✌🏻💕
@Kar, how peaceful and content you sound, your comment is inspiring. Also what a wonderful thing, a cabin in the mountains, enjoy it all, thanks for sharing your experience.
One of the great things Nicole did is bringing together people with shared values and approaches to life, this is one of the few channels on YT where I am curious and really enjoy reading the comments
Nicole don't forget in Canada we have RRSP and TSFA so that 150 dollars times 12 months will be 1800 dollars which if put in and RRSP will give you a tax refund of around 1500 dollars based on your 4000 per month income. Take that 1500 refund and put it in a TSFA you will now have saved 3300 per year for retirement or finacial advancement. Just something to consider and it multiplies tax defered and tax free over time.
This is called a Reverse Budget or Paying Yourself First Budget. So the simplest way to do this type of budget is to have 4 categories, Savings/Investment, Fixed Expenses, Variable Expenses and Emergency Fund.
How are you so smart for your age? I am 70 years (young) and still learning (from you) lol. Thank you Nicole, as I always used the old-fashioned standard budget and never ever thought of doing it this way?... I think your anti-budget is brilliant! Always look forward to your videos and watching your channel grow.💞
I'm quite frugal and have always paid myself first. 401k, IRA and 10% more, all on a low income. I'm not good at spending. I bought a small apartment in a fabulous building in a great hood and stayed. Its' sale will more than pay for my forever home plus, as soon as I find it! I will need to buy a car though.
So I do the ant budget and never even knew. I have 5 categories:
*Bills (included fixed and irregular....I always aim to over budget the irregular such as power and water
* Groceries- include food, toiletries and dog food (because it's bought at the grocery store weekly for a better price than than going to the feed store for the rest of the animals
*Gas
*Luxuries - includes shipping, eating out, gas station visits etc
*Animals - again minus the dogs.. but we live on a small hobby farm and I buy most of their feed, meds etc from our local feedstore
I paid my house off 10 years early a couple of years ago. Threw my salary at it during lockdowns etc to be debt free. I keep 2 years expenses SHTF money. Budget every month - saving and investing is an absolute priority but have fun just returned from a week in Egypt. Don’t own a credit card. Paid for car is five years old with v low mileage so I’m happy with it.
You are so darn smart!
I've been budgeting wrong my whole life!
Nicole you should think about writing a book.
Love your posts! ❤
I no longer view my $400 savings as a option. I was spending about $300 on fast food per month. I’m down to $100 now. I now have 4 months of emergency money to cover all of my expenses in case something happens. Thank you for the video!
no disrespect but that is a LOT just for fast food. Happy you decreased it. I think if you turned that 100 into higher quality foods you won't even feel like fast food anymore
Thank you Nicole! Because of your channel and for the first time ever, pay myself first and now I’m only less less than a $100 away to reach $1000.
It’s something than nothing and this is big for moving forward. And plan on doing the excel like you mention that you do is making a game out of it.
Thanks Nicole!!! Keep going! Rooting for you!!!💗💕😃☘️💚
Utilities bills can be drastically lowered, especially if you live alone and can afford to decrease the the heating system/water usage.
Internet bill can also be lowered. You can use your home wifi instead of having a separate subscription for your phone, or ask your operator for less bandwidth if you've realized that you don't need all that max speed.
Its crazy I pay more per month for my internet/tv/phone pkg than my electric/water. Because our provider has no competition and keeps jacking ip the costs ☹️
i never liked my $83 internet bill. my phone was $50 but thats just how much it cost for 6gb of data 5 yrs ago. now is unlimited.
i finally got tmobile 5g home internet for $50 (it has drawbacks for home networking like cameras, servers, printers, etc)
and then dropped my phone plan from $50 unlimited to $25 6gb and just use wifi at work
I love your anti budget! So much less stressful and prioritizing savings 👏🏼 👏🏼 Pro tip: have part of your direct deposit go into savings so you don’t even have to think about it.
That's exactly how I budgeted in the last 25+ years. In case I had a bit of leftover at the end of the month, I would never roll it over to the next months's budget. I always applied it to my savings.
💪🏼
I wish I knew that when I first started earning. I come from quite a poor background so when I got my paycheque for the first time I just wanted to “buy stuff”. Now I got it out of my system. Luckily I got this advice about 5 years ago and as a result I got one third of a house saved up just by saving first and lowing my expenses to a minimum. I still went out and bought some luxuries. It’s crazy just how effective this budgeting technique is!
Okay. This is still a budget, no matter how much you categories are melted and pay yourself first (savings) is part of the fixed costs. However, I do it just like this. In order to keep an overview I have each variable category with its dedicated monthly sum on a small sheet in my purse and subtract the spent sum. This way I know what is left, no matter how much cash there is or is not in my purse. But then I rarely spent money on anything else than gas and groceries so keeping track is not a big deal. But in the end this "rare spending" is our goal, isn't it?
Thank you for your great videos and input, keep up the great work. Wishes from Germany!
I'm on fixed income of $1100 a month, I have always been a saver so paying myself first is what I do. I don't have any mortgage, no car payment, or credit card debt, I have cut my expenses to the bare minimum, so I can live on my low income, but I do budget with the money I have left over from my fixed expenses, n like u said there are months were I can put more into a category then normally would, it's just being "flexible" with what u have.
Yep, I have $100 for entertainment and that includes going out to eat. I usually go out to eat once a month with my sister for Indian food for $20. Trying to pay off debt so I don’t give myself too much.
I have 2 accounts ! A Savings and Checking! And Direct deposit straight into the savings! Everyone should do it!~
Hi Nicole 🤗 I'm an anti-budget kind of girl here. I think regular budgets are like calorie counting - if you set a calorie limit and see that you have some leftover room at the end of the day you will eat it!LOLat least that is what I used to do. I'm at the point now in my life- very close to retirement and have been doing for decades - that I have a big emergency fund and a rather large extra cushion in my bank account so I don't even check my account more than twice a month and then it's just to make sure my pay has been deposited. Most everything is automated and this enables me to have so much financial freedom. The less I worry about money, the less I think about it, and then I spend less and it just keeps on accumulating and growing.
Always pay myself first and every €€€ I made from a side hustle goes into my savings...So much fun to see it grow every month🥳🥳🥳
I like the term “anti-budget”! It’s what I have done for several years and it definitely helps prevent a lot of discretionary spending. I’m sure meal planning and tracking my spending are two of the biggest ways I save money.
Such a god way to look at your budget. It really is all in your mindset. My budget used to look like the first budget you showed. Then after reading Rich Dad Poor Dad I knew I needed to pay myself first and put savings in the top part of the budget. I still fall back now and again but it did help and allow us to buy our condo. Now back to prioritizing savings again for our emergency fund.
It's only been a week since UA-cam recommended me your channel and I'm so thankful that happened!! You have the same thought process as me but explain it soooo much better that even my mom can comprehend, because what I say goes right over her head lmao
Thanks for being here :)
What a HUGE difference this makes! THANK YOU for sharing!💕 Started with no budget, and my credit card debt drove me to bankruptcy, converted to a strict typical budget, and now I am completely converted to your Anti Budget and it has made a huge difference in just 2 months. Thank You Thank You! Thank You!
I agree with you 100% about your discretionary funds. When I use my credit cards I pay them off monthly!! If I can't I won't make the purchase. I'd rather go to a concert or a show than eat out . If you love doing something don't deprive yourself try planning ahead for it so you'll have something to look forward too. I always keep an emergency fund at the house. I know it's there and it offers me peace of mind. I hope that younger people learn these lessons early so they can have the financial future they deserve. I think it's disgusting how they are preyed upon by credit card companies.
i dont blame the credit cards. its over consumption thats the problem. spending something like $500 in interest a year wont make ot break you, but the thousands you spent to accrue that interest will.
I just never budgeted, I was always disciplined with money. I'm realizing now that I was anti budgeting all this while
Same to be honest 🙌🏼
@@AccordingtoNicole High 5
Great video Nicole; pay yourself first - ALWAYS! I use the anti-budget approach. Excel spreadsheet with non-discretionary expenses listed followed by discretionary ones. I know what my non-discretionary expenses are every month - I keep receipts from everything else I buy and once a week I update the sheet. Many months I’m able to save a good chunk and I always plan ahead for birthdays, Christmas etc so those expenses don’t creep up and require me to dip into savings. I know where every penny goes and some may find that joyless but knowing the state of my finances at a moment’s notice brings me more joy than I can convey.
Keep up the great work - you are helping so many people.
I do exactly the same, and have for decades!😊
I'm a budgeting fiend and have worked a bunch of various jobs with razor thin budgets involved in various parts of my local food economy that really set me up for doing it on my own well, as well as how to eat well monthly on
I like the anti budget. Budgeting has been a huge time sucker for me. Time is a major deal for me right now.
This is actually the way my parents taught me to budget... I always find it funny when people have 3,4 or even 5 discretionary columns... This way of budgeting has worked for me for over 30 years.
My budget is similar to yours. I only include recurring costs or anything I have to pay to stay alive and keep my pets alive. I also have savings and investing (Roth IRA and HSA in the US). One thing I do differently is I categorize every type of expense into savings, house & utilities, lifestyle (fun stuff and pets), and transportation. I categorize these so I can determine if I'm spending more than the recommended income percentages on each category: 35% for housing, 25% for lifestyle, 15% for transportation, and 10% for savings (I have no debt, so the 15% recommended for debt gets rolled into my savings requirements).
I love the idea of the anti-budget. Also if my income is raised I still keep my spending the same. I started a strict budget last year. My I love your vids
I have always done your “before” budget & have been thinking about prioritizing categories. Your anti-budget really makes sense!!! I do a form of that when I spend too much in some categories. I had auto deduct for retirement & savings before I retired & have been looking for a better way to save. Thanks, Nicole!!
i thought i was pretty good with money saving for my house but since buying it, ive been just floating by the past couple years.
i started budgeting in Dec. saving $300 a week. split into 2 accounts. My pay varies every week and im looking forward to see my rollover unallocated cash grow in my checkings.
This should be taught in schools!
It is in my opinion far more beneficial information than a majority of what I learned in school, don't get me wrong, I loved school and I was a high achieving student, but this information is so important, I love your channel.
you're like my personal financial coach, that keeps me on track ❤
Thank you for the effort and information you put in your videos❤❤❤
It's almost like the school system doesn't want you to know this stuff, like they don't teach it on purpose. It at least seems that way in the US.
Wow..Nicole..fantastic video..I’m 77 years old and just started saving 4 years ago..but I didn’t have your budget to go by..I was only putting about $100 a month into it..fortunately I read Andrew Hallam who opened the world of investment for me..I’m afraid to share how much I’ve invested so I won’t but it’s going well. Thanks for your great videos. I’ve taken some of your advice and feel really good about them. I hope to have some money 💰 to leave for my daughter and granddaughter. Thanks so much dear for your terrific advice on budgeting and others.❤️🤗🌟
I have always struggled with budgeting as a full time self employed person. Every month my income is different so I am constantly juggling but I still do ok. You have given me ideas on cutting back on certain things and that I should probably be saving more than I do to prepare for the months that aren't as busy. Thanks so much, I'm in Ontario as well.
Same challenge for me, as self employed, I never know what amount of money enters my account, so I just don't budget, and obviously don't really save much, I am just lucky to be quite frugal. I love the simplicity of Nicole's approach.
Ever since I started taking control of my finances, I always saw what I was doing as budgetting, but I guess I was anti-budgetting or at least something closer to that. I have a two-part budget thing going on in my spreadsheets, because I have a base take-home pay that I can rely on being the same no matter what, but due to the nature of my work, I often have extra money coming in on top of that with extra shifts, holiday rates, etc.
So my regular budget is completely based on my fixed base take-home pay. All expenses, all necessities, and my regular savings is accounted for there. No matter what it's the same (only make changes to it as I get pay raises or there is any significant changes in my expenses - like when I paid off the rest of my morgage earlier this year and could significantly shift more money towards savings). The money I allocate to groceries is kind of all-encompassing for groceries and discretionary. It's basically the money left in my regular account after everything else is paid for, and that system works for me, because I mentally track it by weeks, if I see myself getting too low for the week I'm in, I tighten the reins to catch up the next week, etc.
Now, the second budget has two more slots. One is extra savings, the other is extra discretionary. And whenever there is extra money coming in I allocate it towards both of those. It makes it rewarding for both present me and future me to do extra shifts.
This is exactly how I’ve been able to save thousands each year. Treat savings as an expense and automate it. You’ll naturally get creative living with less.
Anything leftover at the end of the month, I roll into additional savings as well.
The best way to keep down discretionary spending, in my opinion? Carry CASH. Literally the only things I allow myself to use a credit card for at this point are automotive related: gasoline, the auto parts store, and my mechanic.
Other than that I deposit my paycheck and get some cash back. That’s my entertainment budget and my drive thru food/coffee budget and my beer money and basically my discretionary money for two weeks. It’s too dang easy to get out of control just swiping a card, but taking cash money out of your pocket actually registers on the brain!!
Thanks for this video! I’ve been intimidated to watch this since it came out because I’ve been trying to track and what not but it feels too hectic because of how sporadic week to week can be and feel like I’m slacking when I forget to write stuff down. I always prioritize bills, my job and I contribute to retirement and index, and I save a big chunk. I don’t really spend on things unless I have to 🤷♀️ this video was a big reassurance that it doesn’t have to be so strict. Gives me headaches and I don’t wanna have headaches about this stuff. My priorities are set and I allow freedom of flexibility and balance. Thanks again, Nicole!
Keep it simple!
I never do a real budget but then again I'm not one of those who has a toonie in the bottom of my pocket that it needs to be spent. I cannot imagine living pay to pay all my life!
Exactly how I budget. Makes so much more sense to me than traditional budgeting.
I like this Anti-Budget!
Hi Nicole, love how you manage your money. My "organic" budget resemble yours and the only thing I was doing different is the money I put aside for my savings. I'm moving up this category today in the fixed expenses. Thanks for sharing this concrete tip!
Thank you for this video. Always great to pay yourself first! Something that has really worked for me is having sinking fund accounts, in addition to my savings accounts, for each category like ‘home’ or ‘travel’ and having it go automatically to those accounts from my paycheck. Over time it’s nice to see those sinking fund accounts grow and be able to spend on a vacation or a home renovation without dipping into savings.
I've always considered this budgeting. I track all my expenses with the intention to keep them as low as possible without being too restrictive. I look back over the year to figure out how much I realistically need to live. This helped me figure out that I can't save enough for my accessibility renovations without increasing my income. Renting a room here I come.
This is brilliant! I do this and my savings grow without me noticing. I automate my savings from my net checking act to an online savings act.
I can't put my finger on why I enjoy these videos over other minimalist/frugality/budgeting stuff. GJ
I’m glad you enjoy them! Thanks for watching!
I think it’s because her viewpoint is unique and uncompromising ~ in a good way!
Sorry Nicole’s viewpoint not ‘her’ - name has slipped my mind
I agree I really like her common sense approach.
Thank you for this! This is helpful. It has made me think about how I have been budgeting, I had all those first categories. Now I am going to try the anti budget. I work for the state and they take 6% out of our salary to go to retirement before I get paid and then I put $50 /mo in a roth ira on top of that and then I have my envelope for emergency fund. I just wish I made $4,000 take home!!! I have about $1,200 in cc debt , no car payment my car is 15 yo and still running 🙌🏻🙌🏻
Not official financial advice…. But I would pay off the credit card first. Then pay your fixed expenses, then save a chunk, then pay for the rest. $50/month is not enough to save, even with the other 6%
@@AccordingtoNicole 😍 thank you Nicole! I had really wondered if I should be putting anything in the IRA or paying off the cc debt. I think I will do that because you're right the cc rate is higher. ❤
@@suecook8379 I am taking care of my mom now while trying to juggle everything. Its tough
This is exactly what I do.. I always put money aside for savings… and the rest I spend however I want… and if I still have some leftovers it goes straight to savings as well
I use this method. I put a certain amount into savings at the beginning of each month, I pay my fixed expenses, and I also leave a pot of money that I use for variable expenses. My goal is to have a zero balance in my bank account by the end of the month. Not that I want to spend all my money, but keep in mind that I put money into savings right off the bat, and I set that bucket of money for discretionary expenses to be exactly as small as it needs to be to cover my discretionary spending. By having a low balance at the end of the month, it's like a forced savings mechanism: I don't want to get an overdraft, so I'm forced to slow my spending.
When she said 150 a month in savings is not enough… me and my empty savings account😭😭💀great video thank you!! I am trying to pay off my small debt in full and then want to start saving again at least 300 a month! I was doing so well until health and life issues showed up. Finally stabilized and now trying to get back on track. Wish me luck. I find document every single expense is so over whelming and stressful. 😢
Ahh love this! I also condense discretionary, it was too annoying for me to figure out how much I spend on eating out food versus bars versus whatever else. Took me like a year to figure that out on my own. I now have discretionary (which includes my car gas, since that varies a lot), groceries, and then all critical, predictable bills (phone, insurance), then a last category for my pet since I never want to skimp on their care. I still track my spending though and just dump it in a "discretionary" or "groceries" category just because I do try to save aggressively.
So good!Showing it is great.Gives a visual if people are having trouble understanding
Thank you 🧡
Totally agree with this video! This is how we've been budgeting for the last 7 years and its so much better! Thanks for sharing and creating this video!
You make so much sense in every video $$$
I like you think outside of the box unlike most of the general population! 😊 I love Sunday’s because of your videos. Keep up the good work! Thanks
I save over $4000 a month. Last month I had to pay both my house and car insurance totalling just under $3000 plus pay for my Breville Batista Pro Espresso machine, $1,200 plus tax and I still saved $4,000 because I knew that the bills where coming and I put money aside for them. I bought my house back in 1996 and paid it off in 1999 by being vigorous at paying down the mortgage, making almost double payments every month and putting down the maximum payment against the mortgage once a year. After 3 years I brought the mortgage down to the point where I can pay off the mortgage by selling shares that I owned of the company that I worked for and closed the mortgage. I did not even have to renew the mortgage. I was 35 years old then. I called it Freedom 35. No mortgage. I got that from the old London Life commercial, Freedom 55. I am now a Multi Millionaire, still working, just to pass the time. I know that Nicole is striving to retire at 35. Freedom 35.
LOVE THIS, this fits my lifestyle/mental health issues much better than tracking the minutia of my life 💛👏🏼
My budget is a written budget. Close to yours. I also write down everything I spend money on, EVERYTHING. Then I can see how I'm doing as far as buying extras goes.
Thank you so much for this video! I never looked at it this way. By using the anti budget, I have already saved more in a few months than I have in a year 🎉
Thank you!!!
Great tips 👍 thanks Nicole
I actually do this after a fashion, I 'pay myself first' every pay cheque, and I'm very strict on my expenses - I have a sort of 'slush fund' of a couple of thousand that I maintain aside from my savings, and if I have an extra expense that I didn't anticipate (plumber, vet etc), I 'borrow' it from this fund - and then task myself to 'pay it back' as soon as I can. It's a system that works for me.
This is Excellent!
This is GENIUS! Thanks for sharing ❤❤
I keep coming back to this video because it’s taking awhile for these lessons to sink into my neurodivergent brain but I’m determined to adopt this kind of money management technique because I think it will be a more helpful method
I think I can, I think I can, I think I can . . . 😅
Awesome 😎 I couldn't agree more.i'm thinking of switching to your anti-budget method.since sometimes sticking to my budget feels so depriving.
This was really helpful! I'm totally guilty of over categorizing which results in me spending more money. Been trying to get better with my money and I think this is gonna help for sureeeee.
You can do it!!
I have used a budget and the cash envelope method since 2017. It has helped me so much with keeping track of my spending habits and start my savings journey. However, for the next year I would like to try switching my system to this kind of „alternative budget“ in order to prioritise saving even more. I am just really really afraid I might fall into old habits and not being able to stick to this kind of budget as it is less strict. 🙈 I will give it a try anyway, hoping for the best. 😅 Thank you so much for your inspiration. I really love your work! Greetings from Germany 🇩🇪
Hope you had success.
I like this, very well thought out. new take on an old thing
Love your anti-budget! Great system 👏
I have a set amount that I put away each week into a bank account which is for mortgage, car rego, insurance etc and everything is direct debited from that. On top of that I pay a calculated amount onto phone, electricity, water etc each week (I get paid weekly). The rest we spend as needed. So I guess I'm anti budget. The good thing with online banking now is rhat you can categorize expenses and get a good understanding of where your money goes really easily.
You're so helpful! I can't thank you enough! I love your videos! Can you make a video on saving money on holidays?
I really appreciate this. My income varies pretty widely from month to month right now, but I still think I can make this method of budgeting work for me.
Thank you!!!!
I have been doing this anti budget for years, and I an so thankful that I now have a safety net should anything nasty happen.
Since lockdown, I have realised that I do not need to waste so much money on frivolous things, therefore I do have money in my current account which rolls over to the next month. I think I shall see how much this amounts to and increase the amount I put in savings.
Thank you Nicole - I have been doing the ‘Anti-Budget’ and didn’t even know it! 👏👏👏👍🙋♀️🥰‼️
Loved this video it follows what I have done all my life which is to pay yourself first then essentials long term this will end up making you a millionaire by retirement age.
Love this video so much! Thanks Nicole ❤
I liked this video before even watching it , I am bing watching your videos ❤❤❤ love you and keep going 🎉
I love this!
Thank you for this video. I have tried budgeting before but never worked. I will try this method and see how it goes x
Thank you for this video!
Wow I loved seeing the example before then your way. Makes so much sense and does feel more freeing! 😊
I still keep trying to have and do it all, no matter how old I get. I count every expenditure and record it. It lets me see where the money is going. Yet, I haven't been able to get back to the debt free place my wife and I were at when she was alive. Infact, my debt has gone up every year since she died, 11 now. I'm about $350 negative every month. It seems like my bills should be easily managed. I have a $405 mortgage and a $1500 to $1900 after tax income (it does vary that much). The only way I can see to fix this is to go back to work, which I am trying to do, or cut people completely out of my life, which I absolutely do not want to do.
Your certitude makes me think it's doable, but I'm really starting to believe I can't.
Some intelligent points. Watching from Australia!!
Excellent advice! It makes you accountable for the reality of your spending habits.
That’s the goal!
That's a great approach! Wish I had known about that years ago.
This was very helpful. Thank you and I love your videos!😊
You are so welcome!
Great video. Real life.❤️👍 #1 get debt free. #2 stay debt free. No matter what, you will be ok. You can do this! Freedom is not owing.
Love your videos
Those bills especially, utilities are way to low. I live in the north where it's very cold in the winter and super hot in the summer. My budget amounts for gas $166 and I keep my thermostat on 68. Electric-budget $175 am I'm the electric Nazi. Water averages around $90 and I'm charged by landlord $100 monthly. Cable, internet-$163, phone- 4 lives-$268. Food $400 haha. Prices are so high that didn't put a dent in for a family of 3- two men and a woman.
Love this! I’ll give it a go. Thank you
Let me know how it goes ☺️
Hi, love your channel it’s definitely lit a fire under me, I canceled all my subscriptions that totalled about $85 except two Netflix one screen that I’ll have for another month and stupid Apple 2TB that I pay for but 80% of it is pictures/videos/screenshots so I’m working through those. I’m just wondering what banks have no fees that you recommend I’m in Toronto as well.
Tangerine, Simplii or EQ Bank
This was tremendous. I do budget, but this is a huge help with the discretionary money. A fabulous tweek for my budget!! Touche
Glad to help 🙌🏼