I don’t want to be negative Nancy here 😩 but I always look forward for when you post. I’m going through a breakup and I lost my sister recently so your videos really help me forget about things for a little bit 🤗
Hey Ella I have a challenge for you 😉 so on the posting twice a week thing which of course as a subscriber I’m totally here for why not make me of those videos a how I’ve taken care of myself this month video. You can maybe do an intro and outro and then voice over and just grab clips of the selfcare things you do, just the set up like running the bath or prepping the sofa with coffee and a book or taking 10 to play with Mabel in the garden. Making a video will make you start the thing the. You get to enjoy the thing and then you can share with us. Great way to stay accountable to yourself care and also encourage us in our self care too. Face mask anyone???? ❤❤❤❤
Completely understand how it feels to take the fun out of reading by putting pressure on yourself to read. I also struggle when work is particularly tiring or stressful. Sometimes it just takes a particularly good book or break from work to get back into it :) Loved the reset, I'm always keeping an eye out for yours at the start of the month!
Just a suggestion. Instead of investing and risking your money trying to earn I’m assuming 7-10% pa with the risk of lower or potentially negative returns, why not put it onto the mortgage until it’s cleared thus effectively earning a guaranteed 6.5-7% or whatever your mortgage rate is? And also you’d be up for income or CG tax on any investment returns, whilst saving interest on your mortgage is tax free. Really enjoy your content.
Sometimes I have to remind myself that this is not in USD and our economic areas are very different! I live in a medium size city in the western area of the US and I work full time in banking, but my paychecks are less than your part time ones and it can bum me out!! Then I do the math and Im like okay...we are living in different areas doing different things but all hope is not lost 😂
Love these videos! I really wish I was more invested in my finances and being more organised - we have an offset account from our mortgage so pretty much use that as our spending/saving/emergency fund account. When you say you put money towards investing - what do you invest in and how? ☺
thank you!! 🥰 you've gotta do whatever works for you- if ain't broke, don't fix it! We invest in ETF's for now- i'd recommend speaking to a financial advisor or doing research first xx
I PANICKED when I saw your groceries bill but then felt so much better when I saw the takeaways and eating out lines. It all makes sense now haha. I was like wtf we spend $1200-$1500 ish on groceries a month but never eat out. Maybe once every 2-3 months. So I feel on par over all haha
Hi Ella, new follower here :D Question, where can I get a budget/goal template like/similar to yours? You are inspiring me to get a lot more organised with my finances but a lil lost on where to start. Thanks! From NZ x
Hi Ella interested to know how you budget for say travel if you have take it out of savings account that was specifically for that. Do you include in your every day monthly budget when you are using money that hasn't come from regular pay. I feel like it doesn't really reflect accuratley if I am adding it to my monthly spending but the funds have come from a savings account. Hope that makes sense.
I added a spot in the income area for saving and set it to the same amount in the expense area that I was using my savings for. That way it’s accounted for but the money is coming from the “savings income” and not “pay check income”. I hope that helps!
I'm curious how you organise different accounts for different savings goals (emergency fund, car, rainy day etc). Is it literally different account or pots within an account like Monzo ?
@@maloumasereel966 it does not seem possible in most UK current accounts either. I believe Monzo have the option for savings pots if that's available in your country!
@@nataliefedden-gt6ky I’m personally planning on putting it all in my one savings account and keeping track of the amounts in an excel sheet. That might work as there’s not a lot of money going in and out every day
google says: An offset account is a transaction account linked to an eligible home or investment loan. The benefit of an offset account is that the money you have in this account can be used to “offset” the amount you owe on your home loan, and you'll only be charged interest on the difference. Basically means if you have a loan of $200,000 and $50,000 in your offset account, you'll only be charged interest on $150,000 as that $50K is offsetting the loan. Hope that makes sense!
I don’t want to be negative Nancy here 😩 but I always look forward for when you post. I’m going through a breakup and I lost my sister recently so your videos really help me forget about things for a little bit 🤗
You’re not negative at all and I’m so so sorry for your loss 😔🤍
@@maloumasereel966 thank you gorgeous ❤️
That’s not negative that’s really sad so sorry for what you’re going through glad you’ve found some smiles here ❤sending hugs
oh my gosh, you're not a negative nancy at all! sending you so much love and healing 💛💛 my DM's are always open x
Hey Ella I have a challenge for you 😉 so on the posting twice a week thing which of course as a subscriber I’m totally here for why not make me of those videos a how I’ve taken care of myself this month video. You can maybe do an intro and outro and then voice over and just grab clips of the selfcare things you do, just the set up like running the bath or prepping the sofa with coffee and a book or taking 10 to play with Mabel in the garden. Making a video will make you start the thing the. You get to enjoy the thing and then you can share with us. Great way to stay accountable to yourself care and also encourage us in our self care too. Face mask anyone???? ❤❤❤❤
Completely understand how it feels to take the fun out of reading by putting pressure on yourself to read. I also struggle when work is particularly tiring or stressful. Sometimes it just takes a particularly good book or break from work to get back into it :) Loved the reset, I'm always keeping an eye out for yours at the start of the month!
yes! if work is busy I literally can't keep my eyes open for longer than a few pages 😭 & thanks lovely! xx
So looking forward to the morning routine! Giving 2015 UA-cam vibes and I love it
Yes!! I can't wait 🥰 Thank you!
I love your goals this month! Excited to see all your home update :)
Yay! Thank you!
Just a suggestion. Instead of investing and risking your money trying to earn I’m assuming 7-10% pa with the risk of lower or potentially negative returns, why not put it onto the mortgage until it’s cleared thus effectively earning a guaranteed 6.5-7% or whatever your mortgage rate is? And also you’d be up for income or CG tax on any investment returns, whilst saving interest on your mortgage is tax free.
Really enjoy your content.
thanks for the suggestion & appreciate your comment! compound interest is a thing though!! something to thing about ☺️
‘I’m actually pulling these numbers out of my arse’ 😂😂 Ella you do make me giggle x
When the budget is 0 but your categories/budget is over how does that work? Hope that makes sense ❤
Sometimes I have to remind myself that this is not in USD and our economic areas are very different! I live in a medium size city in the western area of the US and I work full time in banking, but my paychecks are less than your part time ones and it can bum me out!! Then I do the math and Im like okay...we are living in different areas doing different things but all hope is not lost 😂
absolutely!! the USD is so much stronger than AUD right now 😭 it's not a fair comparison at all!! keep doing you 🫶🏼
It’s almost 🎄christmaaaaaasssss🎄 Mabel’s first Christmas 😢
omg stop 🥹 i'm emotional!!
you're gorgeous, Ella! have a fantastic month xx
you're so kind! you too lovely 💛🎄
Love these videos! I really wish I was more invested in my finances and being more organised - we have an offset account from our mortgage so pretty much use that as our spending/saving/emergency fund account. When you say you put money towards investing - what do you invest in and how? ☺
thank you!! 🥰 you've gotta do whatever works for you- if ain't broke, don't fix it!
We invest in ETF's for now- i'd recommend speaking to a financial advisor or doing research first xx
I've been waiting for this reset 😍
eeek Happy November!! 🥰
Do you have any videos or information on the surveys? Thank you! 😅
Hi Ella happy Thursday night and I hope you having amazing day today and I loved your vlogs and you are amazing Supporter
Thank you! You too ✨
@@smileycitrus your welcome sending you hugs ❤️ 🤗
I PANICKED when I saw your groceries bill but then felt so much better when I saw the takeaways and eating out lines. It all makes sense now haha. I was like wtf we spend $1200-$1500 ish on groceries a month but never eat out. Maybe once every 2-3 months. So I feel on par over all haha
that's so impressive!!
Hi Ella, new follower here :D
Question, where can I get a budget/goal template like/similar to yours?
You are inspiring me to get a lot more organised with my finances but a lil lost on where to start.
Thanks! From NZ x
Hi!! welcome 🥰 link is in the bio to the budget template and my code SMILEYCITRUS70 will save you $$
@@smileycitrus Thanks lovely, I didn't think to check!
Hi Ella interested to know how you budget for say travel if you have take it out of savings account that was specifically for that. Do you include in your every day monthly budget when you are using money that hasn't come from regular pay. I feel like it doesn't really reflect accuratley if I am adding it to my monthly spending but the funds have come from a savings account. Hope that makes sense.
I have the same question!
I added a spot in the income area for saving and set it to the same amount in the expense area that I was using my savings for. That way it’s accounted for but the money is coming from the “savings income” and not “pay check income”. I hope that helps!
That definitely helps thank you😀 Iike that idea!@@eghe12345
I decide how much I want to spend travelling, divide it by 12 and then budget that sum every month.
Love the video Ella wow such a great amount to put towards savings and debt
thank you!! 🥰
My big goal is to graduate from college in April of 2024... I am 32 years old and went back to school while been a stay at mom and wife
that's amazing!! you should be so proud 🫶🏼
Thank you!
I'm curious how you organise different accounts for different savings goals (emergency fund, car, rainy day etc). Is it literally different account or pots within an account like Monzo ?
I’m wondering too, I don’t think we can do multiple buckets in one account in Belgium or maybe you can but it costs more
@@maloumasereel966 it does not seem possible in most UK current accounts either. I believe Monzo have the option for savings pots if that's available in your country!
@@nataliefedden-gt6ky I’m personally planning on putting it all in my one savings account and keeping track of the amounts in an excel sheet. That might work as there’s not a lot of money going in and out every day
I am in the US but Ally has a high interest savings account that allows you to create buckets for various savings goals. I love it!
@@EmsFitVenture thanks! I don't think that's reached the UK yet but I'll keep my eyes out 👍
Can you explain what an offset account is?
google says: An offset account is a transaction account linked to an eligible home or investment loan. The benefit of an offset account is that the money you have in this account can be used to “offset” the amount you owe on your home loan, and you'll only be charged interest on the difference.
Basically means if you have a loan of $200,000 and $50,000 in your offset account, you'll only be charged interest on $150,000 as that $50K is offsetting the loan. Hope that makes sense!
Wait, didn’t she say it was a 3 paycheck month? 🤔
Why helllllur Ella Schmella!! 😘
helluuuur 🥰
I am here & ready for all th Christmas tings & crafting! 🤩🤩🤩 loved th reset!! 👏🏽
yeyyy 🎉🎉
❤❤❤
Spends more on her dog than her own sister 💀 truely frugal and cheap skate way of living
bahahaha 3 months worth of food for our dog VS a birthday present for my sister is not comparable in the slightest but go off
@@smileycitrus you spend so little for a gift but can spend $250 for a dog.. woah
Mabel's gotta eat 😙
Why don’t you look after ur self boo boo eg breast reduction etc etc botox
Why come here to troll? Not a nice comment. If you don’t like her way of doing things just unsubscribe, no need to make comments like that.
🤍
Finally!!! Was waiting for this 🤍🤍🤍🤍🤍
hope it was worth the wait 🥰🫶🏼