JANUARY BUDGET WITH ME | new budget setup, financial reset + money goals 💰

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  • Опубліковано 5 січ 2025

КОМЕНТАРІ • 74

  • @chelseakate1
    @chelseakate1 2 роки тому +1

    Last year I spent a lot of time living life and having the best experiences but it took a lot out of my bank. This year I would love to hustle and start saving again in addition to putting my all into my studies!

  • @_enya
    @_enya 2 роки тому +14

    You made me take my budget seriously. I always enjoy and look forward to these videos each month. 🌟

    • @smileycitrus
      @smileycitrus  2 роки тому +1

      that makes me so happy to hear 🥹🥰

  • @christinethompson3414
    @christinethompson3414 2 роки тому +1

    Hi Ella, I have set up a BPAY transfer each month for our quarterly bills (rates, water & gas) so when the bill comes in it’s already paid - this works a treat!! I have started using Every Dollar and I have created an Excel spreadsheet to track our savings (similar to your previous system). I really enjoy your channel and good luck with the new job. Sending you New Year cheer from Brisbane.

  • @rhiannondunsby2904
    @rhiannondunsby2904 2 роки тому +5

    Hey Ella! I use this template also and when you input your expenses in the tracker all the totals add up and all your graphs will update automatically! It's so helpful and nice to look at all in one place. Hope that helps ☺

  • @jennalouise4161
    @jennalouise4161 2 роки тому +1

    Love this, so inspired! Would love to see a video how to get started doing paid surveys!

    • @smileycitrus
      @smileycitrus  2 роки тому

      thanks lovely! I can definitely go into more detail on that x

  • @kellysampson7850
    @kellysampson7850 2 роки тому +2

    Love the template! Totally influenced and bought it. Thanks for sharing!

  • @tahlia4189
    @tahlia4189 2 роки тому +1

    Happy New Year, Ella! Praying that 2023 will be abundantly blessed X

  • @danafoster7923
    @danafoster7923 2 роки тому

    You’re budget videos have helped me so much and now have WeMoney too! Thankyou!! Xx

    • @smileycitrus
      @smileycitrus  2 роки тому +1

      this makes me so so happy 🥹 i'm so glad ❤️

  • @_ZB4
    @_ZB4 2 роки тому +2

    Hello Ella - I’m with you Queen, ready to budget and bring in the $$ this year!

    • @_ZB4
      @_ZB4 2 роки тому

      Also you’re motivating me to have faith to take a leap in my more creative endeavors - so thank you! It might be fruitless in terms of income currently but you’ve given me a bit of a self esteem boost to believe in myself. I love your can-do attitude and confidence!

    • @smileycitrus
      @smileycitrus  2 роки тому +1

      I love this 🥹 good luck with it all Zoe! you've got it 👏🏼

  • @taylorls9215
    @taylorls9215 2 роки тому +2

    We are building our home too! We built a pole barn on the property and are living in it while the home is being built..it can’t come soon enough 😂

    • @smileycitrus
      @smileycitrus  2 роки тому

      omg 😂 hopefully it goes fast for you!

  • @alwaysemilia
    @alwaysemilia 2 роки тому

    Ooo that template is nice!! I feel the same way about Christmas saving. I built my annual budget with Christmas savings starting in September. It’s not the same every month, but I’ll just shift a little of the extra student loan payments I’m making toward the beginning of the year. Maybe that will work for you, too!

    • @smileycitrus
      @smileycitrus  2 роки тому

      That's a good idea! I might try that this year x

  • @getwemoney
    @getwemoney 2 роки тому

    We love your monthly budget videos! 🚀

  • @calh5082
    @calh5082 2 роки тому

    Hey Ella, what a small world. I also have this budget tracker and have been using it since August & I love it - I note you were a bit unsure that the totals at the top of the sheet didn't seem to be showing correct updated figures when you'd plugged in all your budgeted expenses & I can confirm, it does have a bit of a lag with updating totals. I think the lag is likely due to it being quite a big doc & also being Google sheets rather than Excel. I also find that if I update my 'budgeted' cells sometimes in throughout the month, it will take a bit for the 'actual' columns figure to show the updated info - I often just get on with my next task in the sheet and then you'll go back and it's sorted itself out - gosh, long message, but wanted to just pass that on.

    • @smileycitrus
      @smileycitrus  2 роки тому

      that's really helpful! I'll give that a go. Thank you lovely 🤍

  • @ashlingsmith2256
    @ashlingsmith2256 2 роки тому

    Love seeing how people budget! Great systems and breakdowns.
    I also have a goal of reading 30 books, i have been using the local library which is awesome cause its free! You can also download books.

    • @smileycitrus
      @smileycitrus  2 роки тому

      Thank you! I'm definitely going to look at my local library too this year to save some $$ 🥰

  • @kawaiikoori882
    @kawaiikoori882 2 роки тому

    Could you do a student loans budget / discussion?

  • @sheriberrix
    @sheriberrix 2 роки тому

    The new spreadsheet looks epic, definitely taking budgeting to the next level. Appreciate the emojis, Haha! What's the difference between the rainy day and emergency fund?

    • @smileycitrus
      @smileycitrus  2 роки тому

      Thanks gal! i'm obsessed 😍
      Emergency fund is for any unexpected costs like job loss, car problems etc. whereas our rainy day fund is going to act as a "buffer" for any months that are slower with my social media income so I can cover our expenses if needed. Just a fund I want to have set up now some of my income is variable 🥰

  • @jaynebudgets
    @jaynebudgets 2 роки тому

    Could you do an actually video more explaining how you use the money between your accounts? For example, if you were out at dinner do you just transfer the money into your card account etc. and how do you manage things like hair, nails etc does that come out of your spending money account? 😊

    • @smileycitrus
      @smileycitrus  2 роки тому +1

      Hi! I have a video on my Payday routine from a few months ago ☺️ I went more in-depth on that in that video

  • @FrugalFunMum
    @FrugalFunMum 2 роки тому

    Our electricity and gas are monthly bills now we are with AGL also here in SA

    • @smileycitrus
      @smileycitrus  2 роки тому

      ooooh maybe i'll have to see if the company we're with offer monthly!

  • @isabellagiffardphotography
    @isabellagiffardphotography 2 роки тому +1

    we rent in the NT and we dont pay for the water, our landlord does. i definitely don't budget like you but i do put $400 away each month into a savings account no matter what i earn. i have a very variable income as i work casually in retail and i do photography.

    • @smileycitrus
      @smileycitrus  2 роки тому +1

      $400 a month in savings is amazing! whatever system works for you ☺️

  • @DonnasWonderland
    @DonnasWonderland 2 роки тому

    hey, lovely I love this budget with me 😍 just thought I should mention it looks like you didn't allocate all your left overs after expenses, if you look at the budget column on your overview you've over 6k left. It shows as -5k in the last column because you already inputted the rollover in your actual so that money hasn't been allocated. Good luck with the new job xx

    • @smileycitrus
      @smileycitrus  2 роки тому +1

      You're so right! Thank you!! definitely a learning experience 🥰

    • @DonnasWonderland
      @DonnasWonderland 2 роки тому

      @@smileycitrus you're welcome hun nice to know there's a little more in the budget than less that's for sure ;). I'm a bit of a fan of google sheets and excel not to say I'm great a formula because I'm not but they are fun to play around with :)

  • @notfunnymaddie
    @notfunnymaddie 2 роки тому

    I looove WeMoney but I feel like every time I go to use it- it needs updating and just keeps buffering 😅

  • @WalkingandTalkingAussieGirl
    @WalkingandTalkingAussieGirl 2 роки тому

    ah I need to budget!!

    • @smileycitrus
      @smileycitrus  2 роки тому

      it's the BEST tool when you have a system that works for you 🥰

  • @rvassallo1671
    @rvassallo1671 2 роки тому

    Hi Ella, I just bought the budget template from etsy that you have used here. When setting it up in the start, what currency button did you press because I cant see AUD?

    • @smileycitrus
      @smileycitrus  2 роки тому

      oooh exciting!! I just did USD as it's the $ sign

  • @itsjayyie
    @itsjayyie 2 роки тому

    How many cards or accounts do you have money coming out of to track? I always found it hard to do these budgets as between us we have like 8 accounts including credit cards, Qantas bonus point cards, cards we need to use 5 times a month to get interest in savings etc.

    • @smileycitrus
      @smileycitrus  2 роки тому

      We don't have any credit cards and we just use one debit card which is linked to the one account. Then we have another 3 savings/bills accounts so it's pretty easy to track for us!

  • @samanthaspace
    @samanthaspace 2 роки тому

    Random but I thought the mug in the back was some teeth and now I can’t unsee it 💀 this tracker looks amazing

    • @smileycitrus
      @smileycitrus  2 роки тому

      hahahaha 😂 it's actually a candle! I can't not see it now either, thank u

  • @mikaeladuncan
    @mikaeladuncan 2 роки тому

    Really wanna know where you got that mug? That is adorable. 😊

    • @smileycitrus
      @smileycitrus  2 роки тому

      It's from Target 🥰

    • @mikaeladuncan
      @mikaeladuncan 2 роки тому

      @@smileycitrus thank you, might have to grab one.

  • @PlantsandPaints
    @PlantsandPaints 2 роки тому

    Where can I get this template? Where is it from?

    • @smileycitrus
      @smileycitrus  2 роки тому

      It's from Etsy- linked in the description box 🥰

    • @PlantsandPaints
      @PlantsandPaints 2 роки тому

      @@smileycitrus Oh, thank You. I couldn't see the description box on an android device , I'll check it out on my pc.

  • @BudgetwithVee
    @BudgetwithVee 2 роки тому

    Hi Ella!! I’ve been watching you for years and have always wanted to also make videos. I’ve just started my channel about budgeting :) I hope to make as great videos as you one day

  • @julia15d
    @julia15d 2 роки тому

    Hey Ella, I may be wrong but I think you're using the wrong number to see how much you have left to add to savings

    • @smileycitrus
      @smileycitrus  2 роки тому +1

      yes, you're so right!! I was reading the wrong column 😂

  • @faith_friend
    @faith_friend 2 роки тому

    fav girl 🤍

  • @PlanswithEmily
    @PlanswithEmily 2 роки тому

    Oh man I really like the idea of this app but I’m in the US so i can’t get it 😔

    • @smileycitrus
      @smileycitrus  2 роки тому

      damn 😩 hopefully they bring it to the US soon!

  • @TaylahLouiseBudgets
    @TaylahLouiseBudgets 2 роки тому

    Hello, I’m present! 🎉

  • @ejhounslow
    @ejhounslow 2 роки тому

    just letting everyone know that they budget template is currently 50% off :)

  • @lee-13
    @lee-13 Рік тому

    Unrelated: cute top

  • @jaynebudgets
    @jaynebudgets 2 роки тому

    Could anyone else tell me why I keep getting disqualified from surveys? Does this happen to anyone else? 😢 I signed up for both octopus and AttaPoll

  • @maloumasereel966
    @maloumasereel966 2 роки тому +5

    You make me want to make a budget… but I have no income lol 😂🫠

    • @faith_friend
      @faith_friend 2 роки тому

      Hahaha poor u
      Are u a student ?

    • @maloumasereel966
      @maloumasereel966 2 роки тому +1

      @@faith_friend yes hahaha I used to work a lot in the weekends but now I’m doing a second year of internship so no energy to work in the weekends :’)

    • @faith_friend
      @faith_friend 2 роки тому +2

      @@maloumasereel966 I hope u are going to graduate soon and make the money u deserve x

    • @maloumasereel966
      @maloumasereel966 2 роки тому

      @@faith_friend Awww thank you! 🥰