Ok anyone who is struggling to budget that has a habit of impulse buying stuff you don’t need, here’s my tip: Make a list of everything you think you need in the moment; put whatever it is you think you want on it and I promise when a week is up and you haven’t even thought about- you can ask yourself if you even really wanted it in the first place! It’s sooo easy to overspend with social media showing us soooo much stuff we don’t need or even want! I have an eyeshadow palette on my list for months now and I only ever remember it when I go to update my "list"… also if people close to you ever ask what you want as a gift or bday present you’ll have a wish list of things you want they can pick from lol The less you want, the more you have!
loved this! i’ve been slacking on budgeting lately so this was perfect timing. also, i recently separated my ‘debt’ category into ‘good’ and ‘bad’ debt to give myself a clearer picture. mortgage = good debt, everything else = bad. just a suggestion!
thanks lovely! I love that idea!! we just finished paying off our car loan so it's just our mortgage left but definitely something to keep in mind ☺️ "debt" can have such negative connotations so I love a way to differentiate them x
Just wanted to say: thank you. I just started my financial journey together with my husband a few months ago, because I noticed we were sort of struggling to make ends meet, while we both have quite a decent salary. Watching a lot of your videos has made me eager to deep dive into our expenses, set financial goals and work towards paying of certain debts a lot quicker than plannend. Sending lots of love from the Netherlands for your (and your husbands!) openness regarding your financial situation!
Love watching you go over your budget and goals on this spreadsheet. I bought it a few months ago but I keep going back to paper budgeting. However, every time I watch your budgeting videos I go back to it and use it a bit more. Hopefully soon I’ll utilize it fully all the time. So thank you for the motivation 😊!
Thank you for introducing me to this spreadsheet. I got one from Smart Women Society and I like it but I LOVE how this is more automated. So you can minus from different savings accounts. That's what I wanted when I started my finance journey.
I loved this video ☺ it is indeed humbling to see the annual numbers for some expenses. I also took the time early this year to get an annual overview of my expenses because some stuff gets billed monthly, some quarterly, some yearly. Yeah, I was so shocked by some of the annual numbers and it was so not worth it to me that I canceled/quit a bunch of things 😀
Loved this video! Thanks for sharing your goals has definitely inspired me to do this for the last 6 months of the year!! And yep how eye opening is the whole world of trying to conceive and learning about your cycle/ hormones ❤
I am planning some low spend months, but I am also traveling to a wedding and I’ll see friends I haven’t seen in months to years sooooo I’ll probably not be spending low during that trip. I just need to pull out the cash and cap it at that.
Hello! Thank you so much for this video - its a huge boost in restarting my productivity after a long time lull. I am realizing I have 6 whole months to turn my crummy year around! I do have a question - is there a reason you use Google Sheets to track your goals and not a tool like Notion? I personally love the software and it helps me stay on top of everything in my life. I think you're the only youtuber I know doing their own way of progress-tracking (which is totally fine! I'm just curious 🙂)
@@smileycitrus Oh! Well, I could always work with you and/or build a template for you to try things out! For free of course 🙂 I tutor and teach for a living and love to help others learn things
Loved this video! Do you have any cleaner recommendations in Adelaide? (We are looking to get the same sort of deep-cleaning service like you described)
Could you make a video about setting up/using the budget spreadsheet? I've purchased it, and am on my third month but keep encountering problems. How do I account for what money is already in your account prior to starting a month? I had money in a sinking fund that needed to get spent. But when I take it out it puts the spreadsheet into a negative amount. Not sure if that makes sense and it is maybe something that you can make a video with tips about. thanks
Hi! I plan on doing a more in depth video soon but I showed how to add money from savings/sinking funds towards the end of my July budget video which might be helpful ☺️ The team at Coplenty should be able to assist with the rollover too if you email them!
You mentioned recently about credit cards for travel points etc, I am guessing you did some research and decided it was worth it even allowing for an annual fee? I am thinking of getting one but I don't want to fall for a gimmick if it really doesn't help with travel. I trust myself with a card. Currently have one low annual fee and only an $800 limit which is always paid if anything is on there. Have you thought about how you would change your spreadsheet to allow for spending on credit?
yes I did! I find it so confusing because but there's SO many options out there but we took our time deciding and found a card with a great sign up bonus, decent annual fee and one that would accumulate frequent flyer points since we value travel so much. We plan on paying the card off in full every month so i've just been tracking like I normally would with our spending ☺️
@@smileycitrus I hate being such a PITA with all my intrusive questions but you keep answering!! Thankyou! I’m really loving your DINK content for now! You seem happy 😃
I find it weird that you are saying you are consumer debt free when you have a mortgage. A mortgage is consumer debt, it's not an investment given you literally live in the house (consuming it) versus renting it out as an investment property. You're putting out a false narrative saying you're consumer debt free, very very weird.
hahahaha it's really not that deep 😅 consumer debt is debt for consumption eg. a depreciating asset like a car, credit card debt etc. Our house is an appreciating asset that may well be an investment property one day. Just seems like we have differing definitions. I'm not denying we have a mortgage 😂
Ok anyone who is struggling to budget that has a habit of impulse buying stuff you don’t need, here’s my tip:
Make a list of everything you think you need in the moment; put whatever it is you think you want on it and I promise when a week is up and you haven’t even thought about- you can ask yourself if you even really wanted it in the first place! It’s sooo easy to overspend with social media showing us soooo much stuff we don’t need or even want!
I have an eyeshadow palette on my list for months now and I only ever remember it when I go to update my "list"… also if people close to you ever ask what you want as a gift or bday present you’ll have a wish list of things you want they can pick from lol
The less you want, the more you have!
loved this! i’ve been slacking on budgeting lately so this was perfect timing. also, i recently separated my ‘debt’ category into ‘good’ and ‘bad’ debt to give myself a clearer picture. mortgage = good debt, everything else = bad. just a suggestion!
thanks lovely! I love that idea!! we just finished paying off our car loan so it's just our mortgage left but definitely something to keep in mind ☺️ "debt" can have such negative connotations so I love a way to differentiate them x
Just wanted to say: thank you. I just started my financial journey together with my husband a few months ago, because I noticed we were sort of struggling to make ends meet, while we both have quite a decent salary. Watching a lot of your videos has made me eager to deep dive into our expenses, set financial goals and work towards paying of certain debts a lot quicker than plannend.
Sending lots of love from the Netherlands for your (and your husbands!) openness regarding your financial situation!
this makes me SO happy to hear 🥹❤️
Love watching you go over your budget and goals on this spreadsheet. I bought it a few months ago but I keep going back to paper budgeting. However, every time I watch your budgeting videos I go back to it and use it a bit more. Hopefully soon I’ll utilize it fully all the time. So thank you for the motivation 😊!
it takes a while to get used to it! do whatever works for you ☺️🫶🏼
Brand shoot!! Would love to see the behind the scenes if you do do one!
oooh yes!! i'll vlog it for sure 🤭
New subbie here, this video has inspired me to reset my goals.
Thank you for introducing me to this spreadsheet. I got one from Smart Women Society and I like it but I LOVE how this is more automated. So you can minus from different savings accounts. That's what I wanted when I started my finance journey.
you're so welcome!
love this!! i'm in awe of how little mabel costs you. my dog is a walking vet bill and my second biggest spending category ($7k so far this year).
oh my goodness! that's one expensive doggo! worth it though, i'm sure 🥹
The way people cant come to a consensus on what they want to assume about you 😭😭😭 you keep rocking on girl
hahaha right?! thank you 🫶🏼
Very motivating! Thanks
you're so welcome!!
off topic.. but I love your bed frame!! It's so cute - such a good cozy vibe for your bedroom!
thanks you! it was so hard to decide what we wanted in here but i'm so happy with our choice 🥰 feels like a cozy little hotel room
I loved this video ☺ it is indeed humbling to see the annual numbers for some expenses. I also took the time early this year to get an annual overview of my expenses because some stuff gets billed monthly, some quarterly, some yearly. Yeah, I was so shocked by some of the annual numbers and it was so not worth it to me that I canceled/quit a bunch of things 😀
things add up so quickly! seeing the overall number really does put it into perspective 🥲😅
Loved this video! Thanks for sharing your goals has definitely inspired me to do this for the last 6 months of the year!! And yep how eye opening is the whole world of trying to conceive and learning about your cycle/ hormones ❤
thanks lovely!! 🥰 and yes, so so eye opening. I feel like I was so ignorant to it all before this
So sorry to hear about your miscarriage, I hope you’re better and love your vids ❤️❤️❤️
thank you 💛
I am planning some low spend months, but I am also traveling to a wedding and I’ll see friends I haven’t seen in months to years sooooo I’ll probably not be spending low during that trip. I just need to pull out the cash and cap it at that.
life is a balance! enjoy that season 🫶🏼
I’ve never clicked on a video faster 😂
hope you enjoyed!! 🥰
Loved this!!!
thanks lovely!! ❤️
Hi Ella how are you happy Tuesday night to you and I enjoy your channel and you are amazing supporter
have a great rest of your week!
@@smileycitrus likewise you enjoy your night sending love to you ❤️
Hello! Thank you so much for this video - its a huge boost in restarting my productivity after a long time lull. I am realizing I have 6 whole months to turn my crummy year around!
I do have a question - is there a reason you use Google Sheets to track your goals and not a tool like Notion? I personally love the software and it helps me stay on top of everything in my life. I think you're the only youtuber I know doing their own way of progress-tracking (which is totally fine! I'm just curious 🙂)
I love that 🫶🏼
I'm still trying to grasp Notion so for now I love using a spreadsheet ☺️
@@smileycitrus Oh! Well, I could always work with you and/or build a template for you to try things out! For free of course 🙂 I tutor and teach for a living and love to help others learn things
@@smileycitrus Glad you found something that works for you! Let me know if you ever want a template or tutorial! We can chat!
Loved this video!
Do you have any cleaner recommendations in Adelaide? (We are looking to get the same sort of deep-cleaning service like you described)
thanks lovely! Your Domestic Angels was recommend to us 🤍
Thank you!
Great video! 😊
thank you!
I need to try the spreadsheet
you should!! without being dramatic, its been life changing
Bri Hammond or Bee Jamieson are both wonderful headshot photographers in Adelaide! ☺️ if you need recommendations
oooh i'll check them out! thank you!
Could you make a video about setting up/using the budget spreadsheet? I've purchased it, and am on my third month but keep encountering problems. How do I account for what money is already in your account prior to starting a month? I had money in a sinking fund that needed to get spent. But when I take it out it puts the spreadsheet into a negative amount. Not sure if that makes sense and it is maybe something that you can make a video with tips about. thanks
Hi! I plan on doing a more in depth video soon but I showed how to add money from savings/sinking funds towards the end of my July budget video which might be helpful ☺️ The team at Coplenty should be able to assist with the rollover too if you email them!
You mentioned recently about credit cards for travel points etc, I am guessing you did some research and decided it was worth it even allowing for an annual fee? I am thinking of getting one but I don't want to fall for a gimmick if it really doesn't help with travel. I trust myself with a card. Currently have one low annual fee and only an $800 limit which is always paid if anything is on there. Have you thought about how you would change your spreadsheet to allow for spending on credit?
yes I did! I find it so confusing because but there's SO many options out there but we took our time deciding and found a card with a great sign up bonus, decent annual fee and one that would accumulate frequent flyer points since we value travel so much. We plan on paying the card off in full every month so i've just been tracking like I normally would with our spending ☺️
@@smileycitrus maybe another vlog on the cards & which you chose?
What % does a manager get? You seem savvy enough to manage yourself!!
typically 15-20% depending on the management! but it's so worth it 😅
@@smileycitrus I hate being such a PITA with all my intrusive questions but you keep answering!! Thankyou! I’m really loving your DINK content for now! You seem happy 😃
❤
I am sorry for your miscarriage loss ❤
thank you ❤️❤️
I find it weird that you are saying you are consumer debt free when you have a mortgage. A mortgage is consumer debt, it's not an investment given you literally live in the house (consuming it) versus renting it out as an investment property. You're putting out a false narrative saying you're consumer debt free, very very weird.
hahahaha it's really not that deep 😅 consumer debt is debt for consumption eg. a depreciating asset like a car, credit card debt etc. Our house is an appreciating asset that may well be an investment property one day. Just seems like we have differing definitions. I'm not denying we have a mortgage 😂
It’s definitely not that deep nobody’s creating a false narrative we know what she meant but I guess you can’t please everyone
A mortgage is a debt that's secured, consumer debt is unsecured.