I’m always on the hunt for black female content creators to learn from and I’m so happy that I found this channel. Thank you so much. Just now(unfortunately it’s taken me so long) ready to improve my relationship with my finances because if I continue how I have been, I will never get anywhere. This is the first method I’m going to try, as I’m the type of person that ALL my money needs to be accounted for. Again, thanks so much for your time and wisdom. I hope to learn a lot from this channel !
I’m saving but realized I’m not reaching goals in my wants category and deprivation leads to depression for me! Sacrificing by saving for what I want by zero based budgeting versus impulse spending works better for me and I’ve stepped away from this..thanks so much for the reminder ❤️ Back to the basics
I totally get it. I’m the same. I don’t like depriving myself in the wants category. But that’s why I focus heavily on bringing in more income when I need more to cover wants. The good thing is the zero based budget reveals all.
@@shawnshalest_hws Yes this is soo true..I couldn’t understand why I was struggling here with the money I make 🤦🏾♀️ but I’m an impulse spender and stepped away from zero based budgeting..thanks again ❤️❤️
Just wanted to say thank you for creating this budget spreadsheet! Besides Ramsey's Every Dollar app, there isn't a budget sheet for computers. I've been using this spreadsheet for about a month now and I'm really able to tell my money where to go and finding leaks. Great video too!
Hey! So happy you like the spreadsheet. The spreadsheet is not protected with a password so you can unprotect the sheets and edit them to your liking. If you need help with that shoot me an email. shawn@healthywealthyskinny.com
@@shawnshalest_hws so farm so good i've already sent your video to three more girlfriends i loved it so much. My military pay comes in twice a month and i drive doordash so im able to break down all three checks which i love. Is there any way to edit the form to at least highlight certain squares?
Sis, I appreciate you! I have been wanting to start a budgeting plan for years. Now, after watching your video, I feel confident in doing so successfully. You made it look simple. You are an awesome teacher!
Hello, The zero-based budget excel was not downloading to my email. I just wanted to let you know if the link was broken! I have had this happen to me at my job, and I would like to know when things go haywire so I wasn't sure if maybe it was a problem with my email or it was the link. Thank you!! I love your youtube videos!
Hi! Send me an email at shawn@healthywealthyskinny.com and I’ll send it to you manually. Be sure to tell me you want the zero based budget spreadsheet.
Thanks for the sheet! I'm using it already. And will share it with others. Question: In your demo, you show planned versus actual as being exact. But what happens if the actual income or expenses is different than your planned? Do you have a video for that?
You're welcome! I don't have a video but for me looking at planned versus actual helps me when planning for the next month. As you continue budgeting your planned vs actual should start to line up closer. And of course, life happens so in some cases they will just not match. (sorry it took so long for me to respond)
I've been using a zero based budget for about 3 years now. And even if you get better at your projections, your actuals will NEVER match exactly. (I mean, who spends EXACTLY $200 in groceries? - It's pretty impossible; you spend maybe $195.53, right?) SO, this is a good thing. Simply make sure you stay under your budget (That's the whole point right?) and then, at the end of the month, you can "sweep" those extra dollars that are left INTO your Debt category or Savings. And change the Actual there. That will Zero your balance at the end of the month and turn that little box green :) AND, of course, save you even MORE money. (Some categories can even be projected as their exact amount, like car insurance or something.) Anyway - that is the best way to really use a Zero-based budget...zero it out at the end of the month. - This spreadsheet here is an awesome tool! But wanted to throw my two cents in about the actuals vs budgeted!
I started this snowball sheet! Love it. But started in SEP 2020. I am having a hard time the extra 2020 fields so that in DEC2020 it will read the Jan 2021.
I can help you with that. You can email me your sheet or I can send you a new one. Just reply to the email you received to get your spreadsheet and let me know what month you want it to start with.
Thank you Shawn! This is super helpful!! How do you track all of your actual expenses/spending accurately? There must be times where you don't end up spending as much or spent more than you planned, right? Do you use an app for that?
Hey, I have watched your video and I am interested in trying out the spreadsheet but the link is displaying an error message stating access denied. can you help me resolve this issue?
So happy I found this channel. Thank you. Very helpful. Question - if I’ve allocated items to savings, trip fund, and emergency fund etc. How do I separate it from my main account? Or do I need multiple separate saving accounts? Family of five. Thx
Hi! I’m so happy you are enjoying my channel. You have a few options. You can use multiple savings accounts. Or you can use a savings account like the one from Ally bank which allows you to save money in specific buckets. This is what I use.
Awesome. I just watched your sink find video and voila all of my q’s answered. I’m populating the budget template now. Amazing info. For the first time in my life I feel prepared to finally do this.
I tried to download your spreadsheet and gave email but received nothing yet. I will save this video and once I receive it I can follow along. Hopefully I get it.
Hello, thank you so much for your video, it is really helpful. I just have a problem to download your Zero Based Budget Spreadsheet which is in the bio, it says "error" :( Would it be possible for you to send me the link again please?
Hi Elise, Send me an email to shawn@healthywealthyskinny.com and I will send you the spreadsheet manually. I'm so sorry you are getting an error. Shawn :-)
Hi I have emailed you twice and also messaged you on instagram and I still have not had a response to my question, on the zero based balance spreadsheet. I was asking if there is a way to edit the dollar sign and change to pounds and how to edit the text you put in the spreadsheet?
Hi Adele, my apologies. I checked my email and for some reason your emails went into my Spam folder so I did not see them. I’ll need to figure out why that happened because it’s not acceptable. You can change the currency and edit the text on the sheets by unprotecting each sheet. They are not protected with a password. I’m going to respond to your email as well so that I can make sure I get your future emails so you can as any followup questions.
Hello, I downloaded the spread sheet however I don’t need the options shown… I have different categories.. However when I went to change the categories it would not let me erase the categories to insert my own is there a way to do this?
@@shawnshalest_hws Maybe I’m a little bit confused because on the budget sample sheet that you have I really don’t need those categories because you have like housing groceries utilities transportation charity I would like to change that wording is that possible because it seems as though I’m unable to change it to make it customizable for me and my family
I tried multiple times to download the spreadsheet by putting in my email address but it didn't come to my inbox. Please reach out to me and tell me how I can get it. Thank you.
He Melanie, I was able to take the excel version and convert it into Google Sheets. Grab the excel version and then reply to the email that I send you and ask me to send you the link to the google sheets version. But keep in mind I haven't fully tested the google sheets version so I'll need you to let me know if you run into any errors.
Hi! Great question. The planned and actual columns give you the ability to plan your budget ahead of time and then track how you actually end op spending your money. Having this record can help you plan better the next month. It will show you expenses that you might not realize you have. It’s also a good way to see what sinking funds you might need to set up.
I’m always on the hunt for black female content creators to learn from and I’m so happy that I found this channel. Thank you so much. Just now(unfortunately it’s taken me so long) ready to improve my relationship with my finances because if I continue how I have been, I will never get anywhere. This is the first method I’m going to try, as I’m the type of person that ALL my money needs to be accounted for. Again, thanks so much for your time and wisdom. I hope to learn a lot from this channel !
Thanks for watching and we love your support. ❤️
since starting a zero based budget i have been able to recover from a shopping addiction and lazy spendings! I will never go back!💰
That is awesome news!
Thank you so much for speaking at a slower pace for understanding...because I'm trying to figure out my categories so that I get to a zero base..
Thanks for sharing this! The recommended percentage should be helpful! 👍
I’m saving but realized I’m not reaching goals in my wants category and deprivation leads to depression for me! Sacrificing by saving for what I want by zero based budgeting versus impulse spending works better for me and I’ve stepped away from this..thanks so much for the reminder ❤️ Back to the basics
I totally get it. I’m the same. I don’t like depriving myself in the wants category. But that’s why I focus heavily on bringing in more income when I need more to cover wants. The good thing is the zero based budget reveals all.
@@shawnshalest_hws Yes this is soo true..I couldn’t understand why I was struggling here with the money I make 🤦🏾♀️ but I’m an impulse spender and stepped away from zero based budgeting..thanks again ❤️❤️
Just wanted to say thank you for creating this budget spreadsheet! Besides Ramsey's Every Dollar app, there isn't a budget sheet for computers. I've been using this spreadsheet for about a month now and I'm really able to tell my money where to go and finding leaks. Great video too!
Im so excited about your channel and this download!!!
Oh wow! This excel sheet is way better than the one I’ve been using to budget. This is way more in depth . Thank You 😊
Hi Ebony! I’m glad you like it.
Very informative 👑 Great budget breakdown ❤
So glad it was helpful!
Hello Shawn, I love this spreadsheet. I just wanted to know how to edit some of expenses to my liking. Ty so much. You go Girl.
Hey! So happy you like the spreadsheet. The spreadsheet is not protected with a password so you can unprotect the sheets and edit them to your liking. If you need help with that shoot me an email. shawn@healthywealthyskinny.com
I absolutely love this spread sheet. It is so user friendly and has saved me hours of time trying to create my own. Thanks Shawn
You’re welcome Tracie. So glad it’s what you needed.
Agree 100%
Just downloaded the spread sheet right before the new year 2021! so excited to budget everything out!
Happy New Year! If you have any questions just let me know.
@@shawnshalest_hws so farm so good i've already sent your video to three more girlfriends i loved it so much. My military pay comes in twice a month and i drive doordash so im able to break down all three checks which i love. Is there any way to edit the form to at least highlight certain squares?
Hey! You have full control over the spreadsheet. Just unprotect the sheets. They are not password protected.
Sis, I appreciate you! I have been wanting to start a budgeting plan for years. Now, after watching your video, I feel confident in doing so successfully. You made it look simple. You are an awesome teacher!
You are so welcome! You can do it!
Great resource and explanation! Thank you!
You're very welcome! I'm so happy you liked it.
Great video and explained very clearly. Thank you!
Glad it was helpful!
Wow, well done. This is extremely helpful and exactly what I needed. Thank you :)
You’re welcome! I’m so happy it helped.
Hello, The zero-based budget excel was not downloading to my email. I just wanted to let you know if the link was broken! I have had this happen to me at my job, and I would like to know when things go haywire so I wasn't sure if maybe it was a problem with my email or it was the link. Thank you!! I love your youtube videos!
Great video, very easy to follow and lots of options thank you
I love your videos!!!!
Thanks so much!
This is awesome, thank you for sharing this! I clicked the subscribe button so fast!
Thank you so much for subscribing! And welcome to the HWS family. :-)
Great video. Thank you.
You are welcome!
Great video! I am so glad I found you. Could you do a video on investing and post debt free tasks? Thank you!
Hey! I'm so glad to have you here. I will add investing and debt free tasks to my content list. Thanks for the suggestions.
Thank you so much! I love your channel and your content! You're my budgeting angel.
Lisa! Thank you so much. I’m happy you like the content and please keep coming back for more. ❤️
BRILLIANT!
Thanks!
Your link doesn’t work for me 😢 this spreadsheet is exactly what I’m looking for!
Hi! Send me an email at shawn@healthywealthyskinny.com and I’ll send it to you manually. Be sure to tell me you want the zero based budget spreadsheet.
Thanks for the sheet! I'm using it already. And will share it with others. Question: In your demo, you show planned versus actual as being exact. But what happens if the actual income or expenses is different than your planned? Do you have a video for that?
You're welcome! I don't have a video but for me looking at planned versus actual helps me when planning for the next month. As you continue budgeting your planned vs actual should start to line up closer. And of course, life happens so in some cases they will just not match. (sorry it took so long for me to respond)
Hello Kat Da Silva is it possible for you to email me the sheet unfortunately I'm not getting access to the sheet link
I've been using a zero based budget for about 3 years now. And even if you get better at your projections, your actuals will NEVER match exactly. (I mean, who spends EXACTLY $200 in groceries? - It's pretty impossible; you spend maybe $195.53, right?) SO, this is a good thing. Simply make sure you stay under your budget (That's the whole point right?) and then, at the end of the month, you can "sweep" those extra dollars that are left INTO your Debt category or Savings. And change the Actual there. That will Zero your balance at the end of the month and turn that little box green :) AND, of course, save you even MORE money. (Some categories can even be projected as their exact amount, like car insurance or something.) Anyway - that is the best way to really use a Zero-based budget...zero it out at the end of the month. - This spreadsheet here is an awesome tool! But wanted to throw my two cents in about the actuals vs budgeted!
Super helpful! Free spreadsheet access denied tho. ☹️Do you have a "how to make" video for this instead? Thank you!
Thank you, it is helpful 👍
Glad it was helpful!
thank you so much for offering this budget and demo! Great visuals, can't wait to try in August!
Hey Audrey, so glad you found it helpful. Let me know how you like using the sheet now that we are in August.
Thank you for sharing
I started this snowball sheet! Love it. But started in SEP 2020. I am having a hard time the extra 2020 fields so that in DEC2020 it will read the Jan 2021.
I can help you with that. You can email me your sheet or I can send you a new one. Just reply to the email you received to get your spreadsheet and let me know what month you want it to start with.
Absolutely love your video, unfortunately, I am not able to download the spreadsheet. access is denied
Hi, sorry about that. Send me an email and I’ll send you the spreadsheet manually. Shawn@healthywealthyskinny.com
awesome content. thank you
subbed
Thank you and welcome to the family.
Thank you Shawn! This is super helpful!! How do you track all of your actual expenses/spending accurately? There must be times where you don't end up spending as much or spent more than you planned, right? Do you use an app for that?
Hi Mina, I actually use two methods to track my expenses. The App Mint and a planner where I use my custom budgeting planner sticker kits.
Hey, I have watched your video and I am interested in trying out the spreadsheet but the link is displaying an error message stating access denied. can you help me resolve this issue?
Thank you for the freebie, however when I put in my email nothing happens, no download or email sent for the download. :(
@@bwash6743 I’m not sure what’s wrong but email me and I’ll send it to you manually: shawn@healthywealthyskinny.com
So happy I found this channel. Thank you. Very helpful.
Question - if I’ve allocated items to savings, trip fund, and emergency fund etc. How do I separate it from my main account? Or do I need multiple separate saving accounts? Family of five. Thx
Hi! I’m so happy you are enjoying my channel. You have a few options. You can use multiple savings accounts. Or you can use a savings account like the one from Ally bank which allows you to save money in specific buckets. This is what I use.
Awesome. I just watched your sink find video and voila all of my q’s answered.
I’m populating the budget template now. Amazing info. For the first time in my life I feel prepared to finally do this.
So informative! Thank you! Can you please send me a copy of the Google Sheets Spread sheet?
Hi, send me an email and I’ll send it right over to you. shawn@healthywealthyskinny.com
I tried to download your spreadsheet and gave email but received nothing yet. I will save this video and once I receive it I can follow along. Hopefully I get it.
Hello, thank you so much for your video, it is really helpful. I just have a problem to download your Zero Based Budget Spreadsheet which is in the bio, it says "error" :( Would it be possible for you to send me the link again please?
Hi Elise,
Send me an email to shawn@healthywealthyskinny.com and I will send you the spreadsheet manually. I'm so sorry you are getting an error.
Shawn :-)
Hello Shawn, just like Elise, i couldn't download the your Zero Based Budget spreadsheet Template . It says Error 1020.
Hi goodnight I am trying to access your website but I keep getting an error 1020 access denied is there any way to rectify this?
So sorry about that. Can you tell me what country you are in?
@@shawnshalest_hws I am in Jamaica
Hi I have emailed you twice and also messaged you on instagram and I still have not had a response to my question, on the zero based balance spreadsheet. I was asking if there is a way to edit the dollar sign and change to pounds and how to edit the text you put in the spreadsheet?
Hi Adele, my apologies. I checked my email and for some reason your emails went into my Spam folder so I did not see them. I’ll need to figure out why that happened because it’s not acceptable.
You can change the currency and edit the text on the sheets by unprotecting each sheet. They are not protected with a password.
I’m going to respond to your email as well so that I can make sure I get your future emails so you can as any followup questions.
Thanks So much for your response. I have responded to your email x
How do I remove the expense categories that I don’t need?
Hello,
I downloaded the spread sheet however I don’t need the options shown… I have different categories..
However when I went to change the categories it would not let me erase the categories to insert my own is there a way to do this?
Hi Shannan, you'll need to unlock the tabs before you edit them. They are not password protected.
@@shawnshalest_hws
Maybe I’m a little bit confused because on the budget sample sheet that you have
I really don’t need those categories because you have like housing groceries utilities transportation charity I would like to change that wording is that possible because it seems as though I’m unable to change it to make it customizable for me and my family
Hi Shannon, this video should help: www.loom.com/share/42ff3a5a109b4a3ca96ce59b537668cf
I tried to get the download put my email in 2 times and nothing came to me.Great video thank you
Hey! Can you send me an email and I’ll send you the file manually. shawn@healthywealthyskinny.com
I was unble to do get the spread sheet,Can u help?
I tried multiple times to download the spreadsheet by putting in my email address but it didn't come to my inbox. Please reach out to me and tell me how I can get it. Thank you.
are you able to make his spreadsheet into google sheets?
He Melanie, I was able to take the excel version and convert it into Google Sheets. Grab the excel version and then reply to the email that I send you and ask me to send you the link to the google sheets version. But keep in mind I haven't fully tested the google sheets version so I'll need you to let me know if you run into any errors.
I'm young, why is there a planned and actual?
Hi! Great question. The planned and actual columns give you the ability to plan your budget ahead of time and then track how you actually end op spending your money. Having this record can help you plan better the next month. It will show you expenses that you might not realize you have. It’s also a good way to see what sinking funds you might need to set up.
Couldn’t Download the zero budget template
Send me an email and I will send it to you manually.
Can u give me step by step?