Recently came across a prior video of yours Courtney, immediately subbed andnglad to see a video on this today! I (and everyone else) really appreciate waht you are doing here. Helps clarify things for us, thank you!
@@JinxMeistro thank you for the kind words and support 🙏 Glad to know that people are finding it valuable, so I will continue to put out content. Grateful to have you in the community. All the best for the new year.
@@sara00095 it was a great comment, so thank you for the contribution. I didn't want to call people out personally in the video in case they'd rather remain anonymous... So don't think I'm trying to steal credit 😅 Glad you're enjoying the videos. Thank you for the support 🙏
@@Deauxpe no such thing as a silly question. This is my 'target' saving amount, so just shows if I were to save £1000 a month I would end the year at around £23k. I just give a guide to show that this is what I should be achieving in an ideal world. I can then track what I actually save against this over the course of the year. 👍
Brilliant content. Very thought out and organised budget you've put together 👏 I'll implement some of this into my budget for the coming year. Keep it up bro 👍
@@byron2127 glad you found some value here. Hopefully by setting this up at the start we can all improve our financial health together over 2025. Appreciate the kind words 🙏 all the best for 2025.
As someone older than you I think I'd increase the fun pot slightly and reduce the savings target slightly. I always had a savings plan a bit like yours and now I'm older my regret is not spending a bit more on "fun" when I was younger and in my prime . Had I done so I'd have a bit less in savings, obviously, but perhaps have had more pleasure and more good memories. Probably I was a bit too risk averse and a bit too over generous on the financial safety net. Interesting video. 👍
@@friendlyhorseuk7220 a great insight, it's always tough to find the right balance. Over the course of the year you'll see that, like 2024, I intend to deviate from this in some months. This can be for things like holidays and weekend trips etc. I don't put these just in the 'fun' section but will now put them in a column as planned expenses. This just leaves the fun section for spontaneous meals out and bits like that. Appreciate you reaching out to share your views 🙏
@@mrmeldrew693 it is amazing how much can be eaten away so quickly. It's why I want to highlight budgeting and why prioritise planning my money. When I was younger I thought I'd be set on this wage but it definitely isn't the case. Don't get me wrong, it's a good salary and I am fortunate. But I do need to manage what I spend, and this is something that is never taught. Appreciate the comment 🙏
@@m93i a van is like a cheat code 😅 you can save so much money being able to do odd jobs yourself without needing to rent one. It costs the same as running a car too so it just ends up being a car with a massive boot! We also have some upcoming plans this year with it which I will share soon. Glad you liked the template. More glad to hear you're budgeting too 🙏 Appreciate the comment.
Hey Courtney, great video! Have you ever thought of releasing a free template for people to use and follow along, Maybe a video tutorial aswell? I think that would be great.
@@z4keria this is absolutely something I am currently looking into. I'm trying to see if there is a way to share this through the channel so you can use it if you would like to. I'll be sure to put out a community post when I can figure out the best way to share these tools. Appreciate the comment and the support 🙏 have a great 2025.
@@CourtneyJonesFinancialyou can do it via Google Sheets, how do I reach out to you? As I have replicated your one from the video. Sheets allows people to copy to their own Sheets to create their own version, this assumes those people have a Gmail account.
@dominicrussell8158 message my Instagram, it's pretty empty but I can pick up messages easily from there. Linked on the page I believe. Have a busy Saturday but I'll try and look at this tomorrow 🙏 Appreciate you coming back with a solution 👌
@@rajansandhu3965 of course. I'm working to try and share these, but if you're able to build it from the video please do so! Glad you liked the video, all the best 🙏
@@SS-nh3jt it's a town in the south west of England along the M4. It was honestly pretty run down, which is why I was able to buy it at a good price and then did most of the work myself. I'll put out a detailed video soon for first time buyers and just a more general buying guide based on my experience. Appreciate the kind words 🙏 let's hope it reaches all the people who can benefit! Thanks for the support
@@Venturec4pital good question. Bulgaria is where we're setting up. Beautiful country. We're cash flowing the entire project so we didn't get financing, probably why it's taken so long 😅 almost at the finish line so will share the entire process in an upcoming series. Appreciate the comment 🙏
3 questions: How much annual leave do you get? And to be clear with the following question I’m not judging just wondering: why only £50 monthly into T212 this seems very low to me. I think with the power of compounding, if you can afford to hold long term, is invaluable. How come you don’t utilise the ISA allowance more than you do now? Do you use a SIPP as well as a work place pension or is that £500 entirely your WP pension? I have seen a few of your videos but also missed a fair few so apologies if these are topics you’ve already addressed 👌🏻thanks for providing this content
@@xWiIIyGz firstly, no need to apologise for your questions. 1. I get 25 days standard plus the option to purchase 5 more. 2. £50 is my base investment amount. As mentioned I am currently investing in property in Europe, so most of my savings go here. Once this is complete I will look to invest all the build money into ISA and investment accounts. The pension is a salary sacrifice. So I pay 10% and my employer matches 8%. So an overall contribution of 18%. All great questions, appreciate the comment 🙏
@@DonCE0 I have done this now. Took me a little while to get around to it but it's now live on both the latest community post and Instagram 👍 Appreciate you reaching out with the suggestion 🙏
Nice job on the excel spreadsheet. It shows how much more skilled and fast your generation are when you’re learning this from an early age.
@@paulgilliland2992 thank you. I will account some of it to the magic of fast forward though 😅 editing does wonders. Appreciate the comment 🙏
Recently came across a prior video of yours Courtney, immediately subbed andnglad to see a video on this today!
I (and everyone else) really appreciate waht you are doing here. Helps clarify things for us, thank you!
@@JinxMeistro thank you for the kind words and support 🙏 Glad to know that people are finding it valuable, so I will continue to put out content. Grateful to have you in the community. All the best for the new year.
Thank you for taking on my recommendation in continuing with these videos! It’s great to see such transparency. Great video!
@@sara00095 it was a great comment, so thank you for the contribution. I didn't want to call people out personally in the video in case they'd rather remain anonymous... So don't think I'm trying to steal credit 😅
Glad you're enjoying the videos. Thank you for the support 🙏
Really love your content, thank you for such a transparent video! Hope 2025 is a great year for you :D
@@Deauxpe thanks for the feedback! Glad you're enjoying them. Same to you, have a great year! All the best 🙏
@@CourtneyJonesFinancial sorry for the silly question but what does the 1000 per month in the budget column represent?
@@Deauxpe no such thing as a silly question. This is my 'target' saving amount, so just shows if I were to save £1000 a month I would end the year at around £23k.
I just give a guide to show that this is what I should be achieving in an ideal world. I can then track what I actually save against this over the course of the year. 👍
@ awesome thank you!
Brilliant content. Very thought out and organised budget you've put together 👏 I'll implement some of this into my budget for the coming year. Keep it up bro 👍
@@byron2127 glad you found some value here. Hopefully by setting this up at the start we can all improve our financial health together over 2025.
Appreciate the kind words 🙏 all the best for 2025.
As someone older than you I think I'd increase the fun pot slightly and reduce the savings target slightly. I always had a savings plan a bit like yours and now I'm older my regret is not spending a bit more on "fun" when I was younger and in my prime . Had I done so I'd have a bit less in savings, obviously, but perhaps have had more pleasure and more good memories. Probably I was a bit too risk averse and a bit too over generous on the financial safety net. Interesting video. 👍
@@friendlyhorseuk7220 a great insight, it's always tough to find the right balance.
Over the course of the year you'll see that, like 2024, I intend to deviate from this in some months. This can be for things like holidays and weekend trips etc.
I don't put these just in the 'fun' section but will now put them in a column as planned expenses.
This just leaves the fun section for spontaneous meals out and bits like that.
Appreciate you reaching out to share your views 🙏
Yes, I agree. I’ve increased my fun budget this year. I realised it was not high enough. Need to also create memories.
Pretty much exactly what I bring in between my two jobs.
Really thought I'd be comfortable on this amount....doesnt feel it.
@@mrmeldrew693 it is amazing how much can be eaten away so quickly.
It's why I want to highlight budgeting and why prioritise planning my money. When I was younger I thought I'd be set on this wage but it definitely isn't the case.
Don't get me wrong, it's a good salary and I am fortunate. But I do need to manage what I spend, and this is something that is never taught.
Appreciate the comment 🙏
Why does an accountant have a van? lol
Good template - I've already adapted into my existing self-budget. I like it.
@@m93i a van is like a cheat code 😅 you can save so much money being able to do odd jobs yourself without needing to rent one. It costs the same as running a car too so it just ends up being a car with a massive boot!
We also have some upcoming plans this year with it which I will share soon.
Glad you liked the template. More glad to hear you're budgeting too 🙏
Appreciate the comment.
Hey Courtney, great video! Have you ever thought of releasing a free template for people to use and follow along, Maybe a video tutorial aswell? I think that would be great.
Yes good idea
@@z4keria this is absolutely something I am currently looking into. I'm trying to see if there is a way to share this through the channel so you can use it if you would like to.
I'll be sure to put out a community post when I can figure out the best way to share these tools.
Appreciate the comment and the support 🙏 have a great 2025.
@@CourtneyJonesFinancialyou can do it via Google Sheets, how do I reach out to you? As I have replicated your one from the video. Sheets allows people to copy to their own Sheets to create their own version, this assumes those people have a Gmail account.
@dominicrussell8158 message my Instagram, it's pretty empty but I can pick up messages easily from there. Linked on the page I believe.
Have a busy Saturday but I'll try and look at this tomorrow 🙏
Appreciate you coming back with a solution 👌
@ apologies for the delay, have DM’d you on IG
Yes please would love a template for us to use too ! Great Video
@@khizanator I'll see what I can do and how to get this out to everyone 🙏 Thanks for the comment.
Amazing video - please could i use this template?
@@rajansandhu3965 of course. I'm working to try and share these, but if you're able to build it from the video please do so!
Glad you liked the video, all the best 🙏
@ Amazing, thank you. Keep up the content, it’s really helpful!
Really respect this bro, I can see this channel getting big.
If you don't mind me asking, which city did you buy your house in? £210k is a bargain!
@@SS-nh3jt it's a town in the south west of England along the M4.
It was honestly pretty run down, which is why I was able to buy it at a good price and then did most of the work myself.
I'll put out a detailed video soon for first time buyers and just a more general buying guide based on my experience.
Appreciate the kind words 🙏 let's hope it reaches all the people who can benefit! Thanks for the support
How much was the European property and where? Also was it hard getting a mortgage there?
@@Venturec4pital good question. Bulgaria is where we're setting up. Beautiful country. We're cash flowing the entire project so we didn't get financing, probably why it's taken so long 😅 almost at the finish line so will share the entire process in an upcoming series.
Appreciate the comment 🙏
3 questions:
How much annual leave do you get?
And to be clear with the following question I’m not judging just wondering: why only £50 monthly into T212 this seems very low to me. I think with the power of compounding, if you can afford to hold long term, is invaluable. How come you don’t utilise the ISA allowance more than you do now?
Do you use a SIPP as well as a work place pension or is that £500 entirely your WP pension?
I have seen a few of your videos but also missed a fair few so apologies if these are topics you’ve already addressed 👌🏻thanks for providing this content
@@xWiIIyGz firstly, no need to apologise for your questions.
1. I get 25 days standard plus the option to purchase 5 more.
2. £50 is my base investment amount. As mentioned I am currently investing in property in Europe, so most of my savings go here. Once this is complete I will look to invest all the build money into ISA and investment accounts.
The pension is a salary sacrifice. So I pay 10% and my employer matches 8%. So an overall contribution of 18%.
All great questions, appreciate the comment 🙏
Just share one via google docs bro
@@DonCE0 I have done this now. Took me a little while to get around to it but it's now live on both the latest community post and Instagram 👍
Appreciate you reaching out with the suggestion 🙏