Just a suggestion, you could keep your Etsy shop open, but just sell digital products. You don't have to ship anything but could still earn some extra money!
Hi Natalie. To the point you made about not focussing on debt just now… totally agree. Those who commented on that decision have their hearts in the right place, but even the ‘guru’ Dave Ramsey advises people in the position you’re in to pause debt payments and stockpile cash. Then, once baby is born and the dust has settled (so after you’ve used what you need to get through the initial upheaval) you can either continue to spend it as needed, or, if not needed, dump everything but the £1000 starter emergency fund on to the debt at that point. Either way, you either end up putting it on the debt anyway (just later on) or you at least don’t increase the debt because you had those savings. You’re doing the right thing.
Yes Natlie. You are incredible. I kove eatching your budgetting/planner videos. I find your voice so relaxing, but your videos are so inspiring - the colour co ord is just the best ❤
Hi! I'm a long time lurker and have been following you since 2022 (?) I'm a bit late to the party but just catching up with your videos. Just wanted to send you a note to say- you are amazing and I completely believe you can do this! Your plans and goals are sensible and achievable: You've got this ❤ xx
I think many of us are worried about the interest rate on debt one. There is a Canadian show called till debt do us part. Maybe you can binge while on mat. Leave. It opened my eyes to so much.
I never mind your long videos at all. Your planner is beautiful and I’m looking forward to seeing you achieving all the goals you have set up. Working a day or two on maternity sounds great but don’t run yourself ragged either. You know yourself how time flys by with kids. I will be here cheering you on and holding you accountable too. I did the penny savings challenge and started with the highest amounts too. Just do what you did before mark them off every week instead of every day. Have a great week. Mary, Joes wife 🙇♀️👏💪👍🙏💐🌈💷
I think debt one, because of the interest rate, is the one that concerns people. Other than that, your plan sounds great and I hope your partner is able to help side hustle as well!
Your dedication to your family Natalie is incredible. I know you feel like youve got yourselves in a mess so you have to fix it, but a lot of people in your position would just keep their heads in the sand. And you're about to pop and have a chest infection - and youre STILL making videos and planning your way out. Amazing 😍 you've got this 💪
Hi! Wanted to pick up on the point you made around not focusing on debt right now. I understand the people who have brought that up but, to my view, you and the family are in financial survival mode right now - you’re completely right to focus on just trying to avoid actively going into further debt by building up some cash to hand, rather than trying to substantially improve the situation right now. With everything going on, course correcting is just perhaps going to be slower than one would hope! I have such genuine sympathy - I despair at the state of maternity pay in this country, it infuriates me no end.
@@fullmooneve1651mine will be an unpopular slant no doubt. However, shoot me down in flames. Being in business is also hard. Companies have increased costs and reduced customer numbers wanting their products and services. The number of firms closing down, reducing staff numbers and struggling to keep solvent is deeply worrying. It’s doubtful anything will improve in the near future. The finance companies and banks are also struggling with people who cannot make their payments. It’s tough right now. Borrowing money is sometimes unavoidable but is best only a last resort.
Natalie, there was another budget or I was watching that was having some financial issues and we all played her playlist even if we were sleeping at night to help her increase her revenue. Can you put everything you have into our playlist and all of us can start watching your playlist so that it will boost your ad revenue increase! The other budget was getting I think between her videos that people were watching and playing her playlist I think she was averaging around 800 American dollars a month doing this please put your older videos into a huge playlist along with these videos and let us help you by watching your older videos so you can have the monetization at revenue from those videos just make sure they’re all monetized! 9:06
Because she erased all her old videos, now she doesnt have enough hours of content to be monetised. Also she completly erased all her old vídeos, even she doesnt have them
Dave Ramsey, who I would think knows a lot more about finances and debt than the average person commenting on UA-cam videos, recommends exactly what you're doing. £/$1,000 in the emergency fund FIRST. Then throw as much as you can at debt. You're on Dave's baby step 1, which seems a very logical place to start!
I was one who thought you should focus on debt 1 over an emergency fund but after hearing you explain your emergency fund and maternity fund and that paying off debt one would only save you a small amount each month, I totally agree with your goals now. Do you use a lot of cash or card? I have a separate account which I transfer spare change into and have a pot at home for coins. I know on a tight budget you may not be able to do this but it does very slowly add up and could help ❤
Keep an additional highlighter color so you can do your side hustles in that color so anytime you get paid from either Etsy, UA-cam or any other side hustle or extra shifts at work go ahead and add that into another color so you can represent that when you get paid on that particular time
Just discovered your channel. I love your planner. Waiting till you open your shop, hopefully you post to Australia 🤞. Good luck with your journey, you’re doing the right thing for right now.
The only problem I see in goal number 1 is debt 1. I think given the interest it will grow if you dont pay it. So if you dont make any extra payments, in february your debt will have gone up
Thank you, as I said in the video, prioritising our debt isn't our main focus right now but I have since changed Debt #1 and discuss this is my most recent video "Budget with Me December 2024"
Congratulations on the new baby...🎉 I went to pre order your planner last week but you had already paused your shop. Hopefully it will be open by the first of the year.
New subscriber coming over to share some support (cannot remember who sent me here )... you do what you gotta do that also takes care of your mental health!!
You’ve got this well done 👍 One suggestion is why don’t you open a basic Monzo account, put a link at the bottom of your videos and mention that you and the new customers get £5 each. I know another cash stuffing channel does this and she makes money from it each time..
The Penny challege and debat n°1 is almost the same amount, what if every 50£ Penny saved you make an extra payment? That you you don't have money just sitting around, and debt n°1 doesnt go up because of interest
Can you pick up shifts in the evenings and weekends when hubby is home so he can look after the children or can he pick up extra jobs or do food delivery or Uber in the evenings and weekends?
Yes do whatever you can and if you need to be home get hubby to do 2 extra part time jobs, it will be hard but will help get you out of the mess quicker
@@Charlotte-ti2yk It's a bit cruel. Their situation is not that bad. With a few more videos, YT will pick up soon, and the budget planner and Etsy shop will bring some income, too. Some costs can be easily cut out temporarily. It's a bit of a mess now, but she showed before, how focused and organised she can be regarding finances. They will be back on track soon. But newborns are newborns only for a very short time and nothing can bring that time back. And she said in the video, that she would be able to do a couple of shifts later on.
The interest rate on this debt is criminal- I would seek professional debt advice if I owed this much as I’d be scared of losing my house especially going on mat pay x
I want a planner when available hopefully you can make one undated due to the addition to your family and everything else.. there is no time I need it.. please contact the doctor bring you are pregnant, you are really struggling …. I do live in the states and I don’t know if you can ship
Dave Ramsay's baby step number1 is to save a$1000 emergency fund. Can you work one weekend day a week and your husband stay with the kids? If not he needs to pick up weekend work. Watch the grocery budget.. Snack foods really kill a budget. The kids will live without snacks. If your not a good cook work on scratch cooking, better for everyone's health. As for big pickle do you have a horse riding program for special needs kids? Here in the USA we have then and they are free or on a sliding fee scale, as they fund raise. I have volunteered at a local center to me for years and the horse therphy really helps children with many different disabilities. Are their companies you could work from home for every week like Amazon or maybe a airline. Look into some of those.
Just a suggestion, you could keep your Etsy shop open, but just sell digital products. You don't have to ship anything but could still earn some extra money!
That’s a fab idea!!
I was just about to comment the same thing!
I thought the same I’d love the digital version of the planner!
Several of us have said this on each of the last couple of videos but I'm not sure she's seen the comments. I would buy one in a heartbeat.
Lots of suggestions for this, so I will look into it! 🌈❤️
Hi Natalie. To the point you made about not focussing on debt just now… totally agree. Those who commented on that decision have their hearts in the right place, but even the ‘guru’ Dave Ramsey advises people in the position you’re in to pause debt payments and stockpile cash.
Then, once baby is born and the dust has settled (so after you’ve used what you need to get through the initial upheaval) you can either continue to spend it as needed, or, if not needed, dump everything but the £1000 starter emergency fund on to the debt at that point. Either way, you either end up putting it on the debt anyway (just later on) or you at least don’t increase the debt because you had those savings. You’re doing the right thing.
Thank you! ❤️🌈
So glad to see you back! Congrats on baby pickle! I'm here to cheer you on ❤
Yes Natlie. You are incredible. I kove eatching your budgetting/planner videos. I find your voice so relaxing, but your videos are so inspiring - the colour co ord is just the best ❤
Hi! I'm a long time lurker and have been following you since 2022 (?)
I'm a bit late to the party but just catching up with your videos. Just wanted to send you a note to say- you are amazing and I completely believe you can do this! Your plans and goals are sensible and achievable: You've got this ❤ xx
I think many of us are worried about the interest rate on debt one. There is a Canadian show called till debt do us part. Maybe you can binge while on mat. Leave. It opened my eyes to so much.
I never mind your long videos at all. Your planner is beautiful and I’m looking forward to seeing you achieving all the goals you have set up. Working a day or two on maternity sounds great but don’t run yourself ragged either. You know yourself how time flys by with kids. I will be here cheering you on and holding you accountable too. I did the penny savings challenge and started with the highest amounts too. Just do what you did before mark them off every week instead of every day. Have a great week. Mary, Joes wife 🙇♀️👏💪👍🙏💐🌈💷
Thank you! ❤️🌈
I think debt one, because of the interest rate, is the one that concerns people. Other than that, your plan sounds great and I hope your partner is able to help side hustle as well!
Thank you - he will, we are a team ❤️🌈
Your dedication to your family Natalie is incredible. I know you feel like youve got yourselves in a mess so you have to fix it, but a lot of people in your position would just keep their heads in the sand. And you're about to pop and have a chest infection - and youre STILL making videos and planning your way out. Amazing 😍 you've got this 💪
Hi! Wanted to pick up on the point you made around not focusing on debt right now. I understand the people who have brought that up but, to my view, you and the family are in financial survival mode right now - you’re completely right to focus on just trying to avoid actively going into further debt by building up some cash to hand, rather than trying to substantially improve the situation right now.
With everything going on, course correcting is just perhaps going to be slower than one would hope!
I have such genuine sympathy - I despair at the state of maternity pay in this country, it infuriates me no end.
I agree. How are companies allowed to only provide statutory maternity? Insane 😔
@@fullmooneve1651mine will be an unpopular slant no doubt. However, shoot me down in flames. Being in business is also hard. Companies have increased costs and reduced customer numbers wanting their products and services. The number of firms closing down, reducing staff numbers and struggling to keep solvent is deeply worrying. It’s doubtful anything will improve in the near future. The finance companies and banks are also struggling with people who cannot make their payments. It’s tough right now. Borrowing money is sometimes unavoidable but is best only a last resort.
Thank you 🌈❤️
Natalie, there was another budget or I was watching that was having some financial issues and we all played her playlist even if we were sleeping at night to help her increase her revenue. Can you put everything you have into our playlist and all of us can start watching your playlist so that it will boost your ad revenue increase! The other budget was getting I think between her videos that people were watching and playing her playlist I think she was averaging around 800 American dollars a month doing this please put your older videos into a huge playlist along with these videos and let us help you by watching your older videos so you can have the monetization at revenue from those videos just make sure they’re all monetized! 9:06
Sorry, had a missed typo in there on your playlist! That way we can all help you as much as humanly possible
Because she erased all her old videos, now she doesnt have enough hours of content to be monetised.
Also she completly erased all her old vídeos, even she doesnt have them
Thank you but my channel is not monetised 🌈❤️
Loved watching you set this up! 💖
Dave Ramsey, who I would think knows a lot more about finances and debt than the average person commenting on UA-cam videos, recommends exactly what you're doing. £/$1,000 in the emergency fund FIRST. Then throw as much as you can at debt. You're on Dave's baby step 1, which seems a very logical place to start!
You got this! I love how detailed you are. Having a plan is a very important step. Can’t wait to see how you do on your journey.
I was one who thought you should focus on debt 1 over an emergency fund but after hearing you explain your emergency fund and maternity fund and that paying off debt one would only save you a small amount each month, I totally agree with your goals now. Do you use a lot of cash or card? I have a separate account which I transfer spare change into and have a pot at home for coins. I know on a tight budget you may not be able to do this but it does very slowly add up and could help ❤
Congratulations on your up coming birth! Glad to see you up and running again, I've missed you!!!
Thank you ❤️🌈
It's looking really nice. I can't wait for the next part.
Thank you! ❤️🌈
Keep an additional highlighter color so you can do your side hustles in that color so anytime you get paid from either Etsy, UA-cam or any other side hustle or extra shifts at work go ahead and add that into another color so you can represent that when you get paid on that particular time
Great idea, thanks!
Gorgeous planner Natalie. Hope you’re feeling better soon 🥰
Thank you 🌈❤️
Just discovered your channel. I love your planner. Waiting till you open your shop, hopefully you post to Australia 🤞.
Good luck with your journey, you’re doing the right thing for right now.
Goal number one makes total sense to me. Planning ahead is smart ❤❤❤
Thank you 🌈
@ ❤️❤️
Love the planner ❤it’s perfect
Don’t apologise we love watching your videos 😊❤ hope your keeping well xx
The only problem I see in goal number 1 is debt 1. I think given the interest it will grow if you dont pay it. So if you dont make any extra payments, in february your debt will have gone up
It’s going up 415 next month she needs to pay debt one immediately
Thank you, as I said in the video, prioritising our debt isn't our main focus right now but I have since changed Debt #1 and discuss this is my most recent video "Budget with Me December 2024"
I agree on an emergency fund is really important ❤
Well done RB …you about to have a baby & feel poorly & you still get a vid out 👏 you got this girlie 💪xx
Congratulations on the new baby...🎉
I went to pre order your planner last week but you had already paused your shop. Hopefully it will be open by the first of the year.
Oh no! Sorry about that but I didn't want to commit to physical orders too close to my due date. I will be reopening in 2025 🌈❤️
New subscriber coming over to share some support (cannot remember who sent me here )... you do what you gotta do that also takes care of your mental health!!
You’ve got this well done 👍
One suggestion is why don’t you open a basic Monzo account, put a link at the bottom of your videos and mention that you and the new customers get £5 each. I know another cash stuffing channel does this and she makes money from it each time..
Gretna tip, thanks for sharing! 🌈❤️
Awesome video!
Thank you ❤️🌈
The Penny challege and debat n°1 is almost the same amount, what if every 50£ Penny saved you make an extra payment?
That you you don't have money just sitting around, and debt n°1 doesnt go up because of interest
Make freezer meals, so you dont get take away during the babys first weeks
Great tip! Thank you 🌈❤️
We pay £5 for our Netflix you do get a few ads but there not many and not that long.😊
Thanks ill have a look into this!
Can you pick up shifts in the evenings and weekends when hubby is home so he can look after the children or can he pick up extra jobs or do food delivery or Uber in the evenings and weekends?
With a newborn?
@@littlehouseontherockYes, with a newborn. Needs must.
Yes do whatever you can and if you need to be home get hubby to do 2 extra part time jobs, it will be hard but will help get you out of the mess quicker
@@Charlotte-ti2yk It's a bit cruel. Their situation is not that bad. With a few more videos, YT will pick up soon, and the budget planner and Etsy shop will bring some income, too. Some costs can be easily cut out temporarily.
It's a bit of a mess now, but she showed before, how focused and organised she can be regarding finances.
They will be back on track soon.
But newborns are newborns only for a very short time and nothing can bring that time back.
And she said in the video, that she would be able to do a couple of shifts later on.
Thank you. I cannot work in the first 6 weeks following birth, but after this I am able to do "keeping in touch days" to top up my maternity pay
Really good video. I enjoyed this showed me how to use the planner. Do you still have a buy me a coffee link? X
Thank you 🌈❤️
Would you be willing to put your side hustle sheet on your Etsy and install it as a digital print on demand?
I will look into this! 🌈❤️
I also would like a planner when they on sale.
Thank you, they will be available again in 2025 🌈❤️
Easter Sunday is April 20, 2025. Hope that helps.
Great thanks! ❤️🌈
I think people (myself included) were just worried about the interest rate on debt one
The interest rate on this debt is criminal- I would seek professional debt advice if I owed this much as I’d be scared of losing my house especially going on mat pay x
No selling fees on eBay uk anymore btw (just incase that was putting u off)
I want a planner when available hopefully you can make one undated due to the addition to your family and everything else.. there is no time I need it.. please contact the doctor bring you are pregnant, you are really struggling …. I do live in the states and I don’t know if you can ship
Thank you, the planner is undated already and will be available to order again in 2025 z❤️🌈
Hi Natalie you're cb payments are wrong from June ❤ eeeee xx
20th april for easter
Great thanks!
Dave Ramsay's baby step number1 is to save a$1000 emergency fund. Can you work one weekend day a week and your husband stay with the kids? If not he needs to pick up weekend work. Watch the grocery budget.. Snack foods really kill a budget. The kids will live without snacks. If your not a good cook work on scratch cooking, better for everyone's health.
As for big pickle do you have a horse riding program for special needs kids? Here in the USA we have then and they are free or on a sliding fee scale, as they fund raise. I have volunteered at a local center to me for years and the horse therphy really helps children with many different disabilities.
Are their companies you could work from home for every week like Amazon or maybe a airline. Look into some of those.
Thank you, there's a lot of helpful tips here for me to consider ❤️🌈
Could you link the products from Amazon that you use so you can earn affiliate income?
I will look into this! ❤️🌈