Definitely I did a lot of travelling this year, more than usual. Went to Mexico for the first time for a wedding, Florida, and Vancouver (I live in Toronto.)
You two have the most delightful smiles!!!! it's nice to see a young couple taking their finances seriously. I really enjoy your videos 😍 started watching you when you only had about 1000 subs! Look at you now 🤩 My biggest budget category is food - I eat a lot because I do a lot of endurance cycling, hiking and also weights and ballet so I need to eat good food and lots of it. I cook at home and rarely eat at restaurants (maybe 2 or 3 times a year).
Thank you so much! Wow - we love that you’ve been here for so long! 🙏🏿🙏🏻 Thank you for sharing - it definitely sounds like food is (and should be) a priority in your budget!
Glad to see this as a fellow Canadian living in an expensive city (Vancouver - but its only gotten nuts in around the last 10 years). Funny that people think your food is hi/ low. I break down everything as well to the cent and would likely spend less if i split groceries and i'm at 4500 (375/ m) so far and def overspent IMO since i had too much waste. Moving car rentals to travel/ commute will probably make it clearer and if you're treating others to meals, i put that under "gifts". For health, i even put vitamins, advil etc under that and would put things like yoga wedges and snd foam rollers there too. Super interesting to see how others break things down, it makes everything more clear and easy to course correct. I really need to get on the investing part since i'm so used to being poor, having a steady income makes it super easy to save. Thanks for sharing!
Thank you so much for your comment - it really is interesting to see how other people budget and break things down! We have a lot of videos about investing if you're planning on making it a focus - hopefully they can be helpful as you get started 😊
Ha! 😂 I like that he knows his spending habits at least - we had a lot of comments last year from people who said $4,700 sounded like a crazy amount, but then when they went to calculate their own total, it was similar!
Loved this video. It’s great seeing you guys’ channel growing. I used to see your videos on Instagram and just saw this recommended on UA-cam. I also track everything but not as meticulously as you guys haha! This is definitely inspiring for me to get even more detailed with tracking my income and expenses - especially given I’m also self employed like you guys - and sticking to my budget more. I also find it interesting that you guys spend less on a number of categories compared to 2023 - it was the same exact thing for me. I’m wondering if this was the case for others out there too. I think it goes to show that the economy has been really putting pressure on everyone like we hear about 😬
Thank you so much! Very true - tracking your income + expenses is important in general, but especially when you’re self-employed! And that is interesting - we like seeing how other people’s budgets have changed over time, too 😊
Thanks for sharing! I enjoyed watching your video! If you change your Netflix subscription to the one with ads it only costs 6.99 Canadian per month! The ads are short and worth it I think. ☺️
❤Good work Dennis and Steph! My wife and I were able to pay the bills with my earnings and save her earnings. The growth of our savings fluctuated depending on what we were investing in (growing the family, improving the home, etc). Our budget isn't much different from yours with two kids added on (they fit in same car, eat less, live in same home, and have grandparents to babysit.) Home - 1600 Groceries - 800 Life/Health insurance - 400 Travel - 400 Transportation - 300 Utilities - 150 Communication - 100 Eat out - 100 Free spending - 100 Miscellaneous - 100 Rough total for basic needs: 4150/month and 49,800 250/month towards future purchases 250/month towards children's RESP. + 10%(+5% match) towards RRSP 15% towards TFSA 15% towards giving With any leftovers, we usually put more into TFSA or into paying off home. The minimum we can bring home and make our budget is 78,200.
Appreciate your video format. Approachable, helpful, and understanding. I look forward to seeing your life progression as you guys have already passed a couple key financial milestones.
Love your videos! around me my friends thinks I am crazy to do my budgets and work on spreadsheets (I do have forecast budget for next 25 years haha) but watching your videos I feel less alone haha
Love the video and the breakdown, just a tip for video quality. Would be good if you had a screenshot at the end of the video summarising all the figures explained in the video 😊
My biggest category was/is groceries; I budget a $1,000 a month because I prefer high quality. I rarely eat out; I enjoy cooking at home. For the past several years, I've met my saving and investing goals.
This is the first video of yours I've watched. I LOVE hearing about your year in spending, I track all my expenses too. The zoom cuts are a lot on my eyes, might I suggest cutting those back a bit? I can't wait to watch more of your videos.
For me in Toronto, the biggest hit is Rent - at $2600 a month for a 1+1 (700 sq ft. - inclusive all utilities) which is still insane. Might increase to $2665 but right now all comparable units in the city are the same price. So just gotta make cuts in other areas.
Rent is definitely a big expense when you’re in downtown Toronto! You’re right, it’s often hard to move in the city without paying even more per month.
@@utube4661 Yeah - then my commute increases as I need to be in office 3-4 days a week + the transport costs or to invest in a car which has its own costs. Not to mention, a basement apartment isn't the ideal one to be in with a child 🙂. The point was more about the fact that $2600 for a 1+1 is just insanity - it's not as if you're getting some decent house for that money but almost all of the alternatives are the same.
Rent is definitely out of hand. As a realtor, I can definitely see how these prices have affected people and their finances. I’m glad to see rent prices have softened compared to last year though. I assume you might have gotten your place this year or end of 2023. Mid 2023, that same 1+1 could have easily costed $2800! I think with the continued interest rate cuts, less population growth and immigration over the next few years, and more inventory hitting the market over the next couple of years as more pre-con projects finish, we’ll see a bit more relief on rent prices. Plus it’ll probably be a good time to buy too at that point. I do see rent prices increasing between 2028-2030 again as new/pre-construction sales and building decreased significantly this year (so we’ll see the effects by that time).
Hi Steph and Den. It's always amazing to see you guys post a new video. I have one request. Can the budget template for 2025, include more rows or columns for investment/ savings accounts?
ive always been a fan of clothes made with natural materials. a piece of clothe made with high quality fabrics and a good fit simply looks better feels better and last longer, also cost a lot more. i do plan on gradually rebuild my closet starting from next year with items that i can wear for decades. its an investment that can save you money in the long term.
I like watching your money, net-worth , budgeting vid even as a Millionaire 😝 (this UA-cam space is entertaining.. I do have luxury of living rent free, Indian frugal roots, invest/dont over pay)
I have been loving your content! I downloaded the budget tracking and expense spreadsheet, and my wife and I are going to go all in with tracking, saving, investing and hopefully saving in 2025! But one thing I wish is that the spreadsheet allowed for more integration between shared and individual expenses. My wife and I share a lot of our finances, and pay things like our mortgage, our utilities, most of our food, our streaming services and entertainment, etc. together, but then we also have individual spend items and categories. Your template is so close to being exactly what we need! But surely my wife and I are not the only ones who have shared, personal, and overlapping finances and wish to be able to efficiently track and budget accordingly. Any plans to add any of this type of functionality in 2025?
Thanks for another great video! On that note, I am genuinely interested to see the breakdown of your costs for food for a month. Like the amount that you’ve named in this video seems too low. I am trying to understand what I am eating that is so expensive and special, because in our family of 2 people, we spend over 1k CAD per month without splurging on food, not even eating fish or red meat that much.
I have to know: what kind of fabric do you look for in your clothes? And why is it important to you? Is it more durable, easier to wash, more sustainable? Feels better? I want to be better at clothes shopping!!
Good question! Ideally 100% cotton for shirts, sweaters, etc. - from what we know (so far), it's ideal for the clothes longevity, it's more breathable, and usually more comfortable, too! 😊
Love your videos, and they are very inspiring :) I gave my email address for the budget template but haven't received an email with a link. Could you please advise? Thank you
Thankyou for your videos I use your template budget tracker glad you are splitting out car things, i decided to log these expenses under the gifts/donations tab, though it would be nice if i could edit the name of the categories (is this possible??) I purchased a car this year, and also bought all tools and car parts to work on it myself. the costs were crazy (but still cheaper than paying a mechanic to do it here in Vancouver, where labour costs can be up to $200 an hour. I now have a big decision, do i sell and go back to public transport and car rental schemes, or continue next year now the biggest car ownership expenses have been paid for, this annual budget tracker will really help with this decision
Yes, you can edit the category names! Just type over the categories that you want to change in the 'Budget Overview' tab 😊 That's an exciting purchase / project for the year! We're happy to hear that the budget tracker will be helpful, too 🙌🏿🙌🏻
So interesting that you guys spend way less on groceries than me, but way more on restaurants, and we actually spend the same when you combine those two food expenses 😅
I told myself i wouldnt buy any clothes this year..!! I broke my rule twice (workout leggings and pajamas) so my personal clothing expenses, i will round up to $40. I bought clothes for my friend’s sons’ bdays and that was $200.
I love your videos and concept and i love that you're in toronto. I wonder if your prices are in cad or usd... Because this all feels kind of low based on what i'm paying in toronto. Also some visual feedback: there's a bit too much zooming in and out .. i dont think you need it this much. It got distracting.
You are doing it. I'm jealous. I got a networth of 200k. You got a real job. If i had a job thst offered a 401k. And HSA. I would be doing the same thing. I got a bull shit job that only pays 40k a year. Im in my mid 40's and i started investing for retirment this year. Im putting $535 a month in my Roth IRA and im investing $300 a week in my fidelity 500 index fund, and im putting $1100 every month in my high yield savings account account. I currently have about 190k in their at the moment that im saving to buy a house. I got 25k in my checking account which i plan on investing after i pay my taxes this year because i know im owe. But after i pay my taxes im probably have like 20k left in my savings account. Im keep 5k in my savingd and im invest the other 15k in the in my brokeage fund.
It seems to be working in our end. You can also go to our website and at the top of the main page you’ll see an announcement bar that says ‘Get Your FREE Template!’ - stephandden.com 😊
$2289 for 1 person eating out at restaurants? If this includes takeout and the $0 you spent on food delivery, I'd say that is awesome and reasonable based on your income. Eating out is social and probably made for some memorable experiences. That ends up costing less than $200/month. In 2024, I spent just over $375/month on that category and I want to reduce that down to $200/month in 2025
I agree - I’m happy with that amount, and hope to stick to about the same next year! Being intentional on when and where I eat out has led to better restaurant experiences, too 😊
@stephandden oooh okay cool! Sorry I saw under 1k for rent and that shook me hahah that’s more realistic!!! I’m incredibly slow haha Cheers to you two :) 🥂
$600.00 / month for two people for groceries, wow!! Not judging, just surprised. you guys don't look as tho you overeat so I'm thinking you eat some fine food and if so, good for you :)
sorry you think that's a lot? I thought that was unbelievably low. I struggle to keep mine below $1000 a month (it does include misc items like toiletries)
@@milhouse7145 huh, interesting that people think that's low.. I just checked and we spend about $225 each / month, in Toronto. I do a lot of one store shopping but everything is price matched, so perhaps that helps.
I feel you - I spent over double that amount last year! Once I was aware of how much I spent, I purposefully cut back and was more intentional with my eating out expenses 😊
![Lp. Сердце Вселенной #60 РОЖДЕНИЕ ЛОЛОЛОШКИ [Финал] • Майнкрафт](http://i.ytimg.com/vi/YoR0pAV9FVQ/mqdefault.jpg)
What was your biggest expense category this year?! Let us know! 👀
Definitely I did a lot of travelling this year, more than usual. Went to Mexico for the first time for a wedding, Florida, and Vancouver (I live in Toronto.)
Costco 😂
Rent :( $2050/month for a 1bed+den and 1bath in downtown Toronto
I love that you show net not gross!
We're happy to hear that you like that! 🥳
You two have the most delightful smiles!!!! it's nice to see a young couple taking their finances seriously. I really enjoy your videos 😍 started watching you when you only had about 1000 subs! Look at you now 🤩 My biggest budget category is food - I eat a lot because I do a lot of endurance cycling, hiking and also weights and ballet so I need to eat good food and lots of it. I cook at home and rarely eat at restaurants (maybe 2 or 3 times a year).
Thank you so much! Wow - we love that you’ve been here for so long! 🙏🏿🙏🏻
Thank you for sharing - it definitely sounds like food is (and should be) a priority in your budget!
I am a grumpy person who usually hates "cute couples", but you two are an exception. Your interaction is delightful. I wish you the best of luck.
Thank you so much - we really appreciate that 😊
Denis bought 1 item a year. Woooww thats discipline and contentment
It’s definitely discipline! 🥳
Glad to see this as a fellow Canadian living in an expensive city (Vancouver - but its only gotten nuts in around the last 10 years). Funny that people think your food is hi/ low. I break down everything as well to the cent and would likely spend less if i split groceries and i'm at 4500 (375/ m) so far and def overspent IMO since i had too much waste. Moving car rentals to travel/ commute will probably make it clearer and if you're treating others to meals, i put that under "gifts". For health, i even put vitamins, advil etc under that and would put things like yoga wedges and snd foam rollers there too. Super interesting to see how others break things down, it makes everything more clear and easy to course correct. I really need to get on the investing part since i'm so used to being poor, having a steady income makes it super easy to save. Thanks for sharing!
Thank you so much for your comment - it really is interesting to see how other people budget and break things down!
We have a lot of videos about investing if you're planning on making it a focus - hopefully they can be helpful as you get started 😊
Fantastic work you two. Keep shining.
Thank you so much! 🙏🏿🙏🏻
Safe travels to Kenya! Hope you both enjoy some Chapatis! 🍊
Thank you so much! We definitely will 🙏🏿🙏🏻
My husband heard that you spent 2200 on restaurants this year and he said “what? thats like 1 month for me” 😅
Ha! 😂 I like that he knows his spending habits at least - we had a lot of comments last year from people who said $4,700 sounded like a crazy amount, but then when they went to calculate their own total, it was similar!
Loved this video. It’s great seeing you guys’ channel growing. I used to see your videos on Instagram and just saw this recommended on UA-cam. I also track everything but not as meticulously as you guys haha! This is definitely inspiring for me to get even more detailed with tracking my income and expenses - especially given I’m also self employed like you guys - and sticking to my budget more.
I also find it interesting that you guys spend less on a number of categories compared to 2023 - it was the same exact thing for me. I’m wondering if this was the case for others out there too. I think it goes to show that the economy has been really putting pressure on everyone like we hear about 😬
Thank you so much! Very true - tracking your income + expenses is important in general, but especially when you’re self-employed!
And that is interesting - we like seeing how other people’s budgets have changed over time, too 😊
Thanks for sharing! I enjoyed watching your video! If you change your Netflix subscription to the one with ads it only costs 6.99 Canadian per month! The ads are short and worth it I think. ☺️
❤Good work Dennis and Steph!
My wife and I were able to pay the bills with my earnings and save her earnings. The growth of our savings fluctuated depending on what we were investing in (growing the family, improving the home, etc).
Our budget isn't much different from yours with two kids added on (they fit in same car, eat less, live in same home, and have grandparents to babysit.)
Home - 1600
Groceries - 800
Life/Health insurance - 400
Travel - 400
Transportation - 300
Utilities - 150
Communication - 100
Eat out - 100
Free spending - 100
Miscellaneous - 100
Rough total for basic needs: 4150/month and 49,800
250/month towards future purchases
250/month towards children's RESP.
+ 10%(+5% match) towards RRSP
15% towards TFSA
15% towards giving
With any leftovers, we usually put more into TFSA or into paying off home.
The minimum we can bring home and make our budget is 78,200.
Thank you so much! + thank you for sharing - that sounds like a great breakdown!
We love that you spend from one income, and save from the other 👏🏿👏🏻
Appreciate your video format. Approachable, helpful, and understanding.
I look forward to seeing your life progression as you guys have already passed a couple key financial milestones.
Love your videos! around me my friends thinks I am crazy to do my budgets and work on spreadsheets (I do have forecast budget for next 25 years haha) but watching your videos I feel less alone haha
Thank you so much! Hahah - we love be able to actually track everything ourselves, and be really aware of what’s going on with our money!
I love my spreadsheets too, I always have a forecast for the next 3 months. 25 years is next level though haha!
@ 😅 I do plan to retire at 55, just making sure I am on the right path 😂
Love the video and the breakdown, just a tip for video quality. Would be good if you had a screenshot at the end of the video summarising all the figures explained in the video 😊
Thank you! 😊
My biggest category was/is groceries; I budget a $1,000 a month because I prefer high quality. I rarely eat out; I enjoy cooking at home. For the past several years, I've met my saving and investing goals.
Thank you for sharing! We love to hear that you enjoy cooking at home 😊
This is the first video of yours I've watched. I LOVE hearing about your year in spending, I track all my expenses too. The zoom cuts are a lot on my eyes, might I suggest cutting those back a bit? I can't wait to watch more of your videos.
For me in Toronto, the biggest hit is Rent - at $2600 a month for a 1+1 (700 sq ft. - inclusive all utilities) which is still insane. Might increase to $2665 but right now all comparable units in the city are the same price. So just gotta make cuts in other areas.
Move to a basement apt in suburbs for half that
Rent is definitely a big expense when you’re in downtown Toronto! You’re right, it’s often hard to move in the city without paying even more per month.
@@utube4661 Yeah - then my commute increases as I need to be in office 3-4 days a week + the transport costs or to invest in a car which has its own costs. Not to mention, a basement apartment isn't the ideal one to be in with a child 🙂. The point was more about the fact that $2600 for a 1+1 is just insanity - it's not as if you're getting some decent house for that money but almost all of the alternatives are the same.
Rent is definitely out of hand. As a realtor, I can definitely see how these prices have affected people and their finances. I’m glad to see rent prices have softened compared to last year though.
I assume you might have gotten your place this year or end of 2023. Mid 2023, that same 1+1 could have easily costed $2800!
I think with the continued interest rate cuts, less population growth and immigration over the next few years, and more inventory hitting the market over the next couple of years as more pre-con projects finish, we’ll see a bit more relief on rent prices. Plus it’ll probably be a good time to buy too at that point. I do see rent prices increasing between 2028-2030 again as new/pre-construction sales and building decreased significantly this year (so we’ll see the effects by that time).
Thank you for sharing this video!! It's nice to have something to compare with.
Of course! 😊
Hi Steph and Den. It's always amazing to see you guys post a new video.
I have one request. Can the budget template for 2025, include more rows or columns for investment/ savings accounts?
Hi! Yes, we've added more spots for this in the new version of the budget template 😊
ive always been a fan of clothes made with natural materials. a piece of clothe made with high quality fabrics and a good fit simply looks better feels better and last longer, also cost a lot more. i do plan on gradually rebuild my closet starting from next year with items that i can wear for decades. its an investment that can save you money in the long term.
So true - it looks and feels better, but typically costs more! We agree that gradually rebuilding is a good way to do it 😊
I like watching your money, net-worth , budgeting vid even as a Millionaire 😝 (this UA-cam space is entertaining.. I do have luxury of living rent free, Indian frugal roots, invest/dont over pay)
Thanks for watching! 😊
I have been loving your content! I downloaded the budget tracking and expense spreadsheet, and my wife and I are going to go all in with tracking, saving, investing and hopefully saving in 2025! But one thing I wish is that the spreadsheet allowed for more integration between shared and individual expenses. My wife and I share a lot of our finances, and pay things like our mortgage, our utilities, most of our food, our streaming services and entertainment, etc. together, but then we also have individual spend items and categories. Your template is so close to being exactly what we need! But surely my wife and I are not the only ones who have shared, personal, and overlapping finances and wish to be able to efficiently track and budget accordingly. Any plans to add any of this type of functionality in 2025?
My biggest spending this year probably on electronics and a bit of travel but I definitely wouldn’t trade that for anything it was a great expense
That’s great! Where did you travel this year? 😊
Thanks for another great video! On that note, I am genuinely interested to see the breakdown of your costs for food for a month. Like the amount that you’ve named in this video seems too low. I am trying to understand what I am eating that is so expensive and special, because in our family of 2 people, we spend over 1k CAD per month without splurging on food, not even eating fish or red meat that much.
Thanks for watching! We posted a shorts video a few days ago where we talk more about what our typical grocery shopping trip, etc looks like 😊
Thanks for sharing ❤
Thanks for watching! 🙌🏿🙌🏻
Btw I love that you guys see and reply to all comments!
😊 of course! We love reading and replying to everyone
Thats for the Budget template. I will make use of it and give you guys feedback
Of course! 😊
How do you track your expenses in such detail? Is there an app you use?
We use our budget tracker spreadsheet 😊 it gives us all of these details!
Here’s the link if you’re interested - stephandden.com/free-budget-template/
I have to know: what kind of fabric do you look for in your clothes? And why is it important to you? Is it more durable, easier to wash, more sustainable? Feels better? I want to be better at clothes shopping!!
Good question! Ideally 100% cotton for shirts, sweaters, etc. - from what we know (so far), it's ideal for the clothes longevity, it's more breathable, and usually more comfortable, too! 😊
@@stephandden good to know!! Thanks for explaining
Love your videos, and they are very inspiring :) I gave my email address for the budget template but haven't received an email with a link. Could you please advise? Thank you
Thankyou for your videos
I use your template budget tracker
glad you are splitting out car things, i decided to log these expenses under the gifts/donations tab, though it would be nice if i could edit the name of the categories (is this possible??)
I purchased a car this year, and also bought all tools and car parts to work on it myself. the costs were crazy (but still cheaper than paying a mechanic to do it here in Vancouver, where labour costs can be up to $200 an hour. I now have a big decision, do i sell and go back to public transport and car rental schemes, or continue next year now the biggest car ownership expenses have been paid for, this annual budget tracker will really help with this decision
Yes, you can edit the category names! Just type over the categories that you want to change in the 'Budget Overview' tab 😊
That's an exciting purchase / project for the year! We're happy to hear that the budget tracker will be helpful, too 🙌🏿🙌🏻
So interesting that you guys spend way less on groceries than me, but way more on restaurants, and we actually spend the same when you combine those two food expenses 😅
Huh, that definitely is interesting! 😊
You all are so amazing! #CoupleGoals
Thank you 😊
I told myself i wouldnt buy any clothes this year..!! I broke my rule twice (workout leggings and pajamas) so my personal clothing expenses, i will round up to $40. I bought clothes for my friend’s sons’ bdays and that was $200.
That sounds like a good challenge - and you were close to hitting it! 🥳
my biggest spend category is personal care at $885
Thanks for sharing! Is personal care usually your highest spend category, or was it different than last year (if you know)? 😊
I had hobbies take the lead for 2023:) once I graduate university next year, I’m curious what will become my biggest category!
Great point - transition years are always interesting, because your budget and spending will likely change!
An early congrats on graduating, too! 🥳
Sorry, just might of missed it, but was there a total you spent combined for the whole year?
We didn’t mention the combined total in this video, but we will in our next video (coming next Sunday) 😊
I love your videos and concept and i love that you're in toronto. I wonder if your prices are in cad or usd... Because this all feels kind of low based on what i'm paying in toronto.
Also some visual feedback: there's a bit too much zooming in and out .. i dont think you need it this much. It got distracting.
Thank you so much! The amounts we share are all in CAD 😊
You are doing it. I'm jealous. I got a networth of 200k. You got a real job. If i had a job thst offered a 401k. And HSA. I would be doing the same thing. I got a bull shit job that only pays 40k a year. Im in my mid 40's and i started investing for retirment this year. Im putting $535 a month in my Roth IRA and im investing $300 a week in my fidelity 500 index fund, and im putting $1100 every month in my high yield savings account account. I currently have about 190k in their at the moment that im saving to buy a house. I got 25k in my checking account which i plan on investing after i pay my taxes this year because i know im owe. But after i pay my taxes im probably have like 20k left in my savings account. Im keep 5k in my savingd and im invest the other 15k in the in my brokeage fund.
the webaite to download the template is broken. Not working
It seems to be working in our end. You can also go to our website and at the top of the main page you’ll see an announcement bar that says ‘Get Your FREE Template!’ - stephandden.com 😊
Biggest spend is vehicles ( insurance, gas & repairs)
Thanks for sharing! 😊
$2289 for 1 person eating out at restaurants? If this includes takeout and the $0 you spent on food delivery, I'd say that is awesome and reasonable based on your income. Eating out is social and probably made for some memorable experiences. That ends up costing less than $200/month. In 2024, I spent just over $375/month on that category and I want to reduce that down to $200/month in 2025
I agree - I’m happy with that amount, and hope to stick to about the same next year! Being intentional on when and where I eat out has led to better restaurant experiences, too 😊
Sir how much have you earned this year? Please reply. Thanks a lot.
They told you their monthly income. Just do the rudimentary math yourself..
$70 000
Not my coffee category being over $2000 this year 😬 Damn Starbucks
The first step is tracking it and knowing how much you spend! 👏🏿👏🏻
where do you pay 900 in rent
We've been in our unit for about 6.5 years now, so our price is great! We pay $1,940 total now 😊
@stephandden oooh okay cool! Sorry I saw under 1k for rent and that shook me hahah that’s more realistic!!! I’m incredibly slow haha
Cheers to you two :) 🥂
You should have compared the total spend from each person
We do that in other videos! This one is all about the categories, and how we spend our money 😊
Restaurants 😢
It’s such a tough category! 😅
Wait you don't pay for your part of the trip? I pay for my own stuff when we visit my bf's family abroad. It's still something I benefit from
I (Steph) paid for my flight, but it didn’t come out of my monthly budgeting expenses 😊 we’ll talk more about this in future videos!
@@stephandden oh ok I missed that! I'll make sure to watch
@@obesia1873I'm sure she has a travel sinking fund to pull from, that's the best way to do travel
$600.00 / month for two people for groceries, wow!! Not judging, just surprised.
you guys don't look as tho you overeat so I'm thinking you eat some fine food and if so, good for you :)
sorry you think that's a lot? I thought that was unbelievably low. I struggle to keep mine below $1000 a month (it does include misc items like toiletries)
Most comments we get are actually people wondering how we spend so little on groceries!
How much do you spend per month? 😊
Thanks for videos! Hope next year December to have my yearly expenses as well!
@@stephandden My wife and I spent $375 per month total on all food spending in 2024. I love to cook so that helps!
@@milhouse7145 huh, interesting that people think that's low..
I just checked and we spend about $225 each / month, in Toronto.
I do a lot of one store shopping but everything is price matched, so perhaps that helps.
Sir what is your and your wife's profession? Please reply. Thanks a lot.
We're personal finance content creators 😊
I spend about $1000 a month eating out, how are you only spending $2300 in a whole year?!
I feel you - I spent over double that amount last year! Once I was aware of how much I spent, I purposefully cut back and was more intentional with my eating out expenses 😊
Who Cares ?
Probably everyone who clicked on the video and watched it 😊
lol literally 5k people and counting. And looks like yourself? 😂