![Vicky Smith](/img/default-banner.jpg)
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Vicky Smith
United Kingdom
Registrace 14. 06. 2017
Welcome, I'm Vicky! Let me help you balance your budget and make extra money. I'm a work-at-home journalist sharing my favourite ways to make family finances easier.
8 Rules for Treating Yourself Without Overspending
How to treat yourself without overspending. The rules for treatonomics - so you can spend on fun stuff without blowing your budget.
💰 Get the monthly budget spreadsheet 👉 payhip.com/b/rPZwK
In this video:
01:03 - Identify your priorities
02:30 - Treat treats as treats
03:33 - Plan treats into your budget
04:42 - Choose high value treats
06:14 - Be real about who you are
07:14 - Allow for spontaneity
08:16 - Never go into debt for treats
08:49 - Reframe what a treat is
Tools I use 👉
My camera (UK): amzn.to/4dqQGix
My camera (US): amzn.to/4dsyIwe
My microphone (UK): amzn.to/3Wvpjht
My microphone (US): amzn.to/3y6IlAD
🍽️ Keep on track with your food budget using my weekly meal planner 👉 payhip.com/b/b6GEr
🛍️ Get cashback on your shopping 👉 tidd.ly/3TWzjyu
🤑 Grab my budgeting freebies 👉 landing.mailerlite.com/webforms/landing/d9q0y2
// Come and say hi over on Instagram: mrsvicky.smith
// Check out my websites: www.themummybubble.co.uk
www.morethanamummy.com
// Business inquiries please email vicky@morethanamummy.com
//See my Etsy store: www.etsy.com/uk/shop/MummyBubbleDesigns?ref=profile_header
DISCLAIMER: Links included in this description might be affiliate links. If you purchase a product or service with the links that I provide I may receive a small commission. There is no additional charge to you.
I’m not a licensed financial adviser. These videos are intended for educational purposes only. No official financial advice is being given. Please always check with a licensed professional before making any investments or financial decisions. Your investments are your sole responsibility, and in these videos, I merely share my own opinions with no guarantee of gain or losses.
💰 Get the monthly budget spreadsheet 👉 payhip.com/b/rPZwK
In this video:
01:03 - Identify your priorities
02:30 - Treat treats as treats
03:33 - Plan treats into your budget
04:42 - Choose high value treats
06:14 - Be real about who you are
07:14 - Allow for spontaneity
08:16 - Never go into debt for treats
08:49 - Reframe what a treat is
Tools I use 👉
My camera (UK): amzn.to/4dqQGix
My camera (US): amzn.to/4dsyIwe
My microphone (UK): amzn.to/3Wvpjht
My microphone (US): amzn.to/3y6IlAD
🍽️ Keep on track with your food budget using my weekly meal planner 👉 payhip.com/b/b6GEr
🛍️ Get cashback on your shopping 👉 tidd.ly/3TWzjyu
🤑 Grab my budgeting freebies 👉 landing.mailerlite.com/webforms/landing/d9q0y2
// Come and say hi over on Instagram: mrsvicky.smith
// Check out my websites: www.themummybubble.co.uk
www.morethanamummy.com
// Business inquiries please email vicky@morethanamummy.com
//See my Etsy store: www.etsy.com/uk/shop/MummyBubbleDesigns?ref=profile_header
DISCLAIMER: Links included in this description might be affiliate links. If you purchase a product or service with the links that I provide I may receive a small commission. There is no additional charge to you.
I’m not a licensed financial adviser. These videos are intended for educational purposes only. No official financial advice is being given. Please always check with a licensed professional before making any investments or financial decisions. Your investments are your sole responsibility, and in these videos, I merely share my own opinions with no guarantee of gain or losses.
zhlédnutí: 2 016
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zhlédnutí 2,5KPřed dnem
Why financial freedom starts with an emergency fund. A complete guide to getting started with an emergency fund, how much you need and where to put it. Savings challenges: morethanamummy.com/money-saving-challenges/ 🍽️ Keep on track with your food budget using my weekly meal planner 👉 payhip.com/b/b6GEr 💰 Get the monthly budget spreadsheet 👉 payhip.com/b/rPZwK 🛍️ Get cashback on your shopping 👉...
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zhlédnutí 7KPřed 14 dny
5 things that are wasting your money and what to do about them. In this video: 00:19 - Kids 02:55 - Normalising treats 04:59 - Keeping up with fashion trends 06:51 - Our love of brands 09:21 - Budget apathy 🍽️ Keep on track with your food budget using my weekly meal planner 👉 payhip.com/b/b6GEr 💰 Get the monthly budget spreadsheet 👉 payhip.com/b/rPZwK 🛍️ Get cashback on your shopping 👉 tidd.ly/...
32 Practical Frugal Family Living Tips
zhlédnutí 9KPřed 21 dnem
How we save money as a family with these frugal living tips and habits. In this video: 00:26 - Budgeting & Spending 07:23 - Food 10:13 - Bills 13:25 - Entertainment Pizza oven review 👉 czcams.com/video/Z-lKnEAmKHI/video.html My husband's Mini Money Masters book for kids 👉 amzn.to/3zCN1Pf 🍽️ Keep on track with your food budget using my weekly meal planner 👉 payhip.com/b/b6GEr 💰 Get the monthly b...
10 Millionaire Money Habits To Steal
zhlédnutí 8KPřed měsícem
Frugal money habits of the super rich that you can steal in order to grow your own wealth. In this video: 0:08 - Simplify & organise your life 02:53 - Look poor 03:48 - Calculate life cost 04:28 - Develop high income skills 05:00 - Marry right 05:48 - Resist lifestyle creep 06:44 - Spend to save 07:28 - Buy the best first 07:59 - Secure yourself 08:37 - Don't just focus on defence 🍽️ Keep on tr...
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zhlédnutí 5KPřed měsícem
My pay day routine and tips for getting yourself out of a situation where you are living pay cheque to pay cheque. In this video: 00:28 - Adopt a frugal mindset 02:48 - Establish your baseline 06:29 - Build an emergency fund 07:53 - Start building wealth 08:52 - Branch out 💰 Get the monthly budget spreadsheet 👉 payhip.com/b/rPZwK 🍽️ Keep on track with your food budget using my weekly meal plann...
Lazy Frugal Habits That Save Money
zhlédnutí 8KPřed měsícem
Who says saving money has to be hard work? Try these 8 practical and specific money saving habits to boost your savings with minimal effort. In this video: 00:14 - Treat savings like a bill 01:48 - Swap envy for gratitude 03:45 - Adjust your money mindset 06:42 - Use the power of compound interest 08:28 - Try a general investment account 09:04 - Be ready 10:05 - Don't check out 10:43 - Find dis...
Truth About Side Hustles & Passive Income
zhlédnutí 2,3KPřed měsícem
Why promises of passive income from side hustles make me so mad. Here are the lies finance gurus tell about making passive income from side hustles. 01:08 - It's free 04:11 - It's easy 07:07 - It's passive 09:56 - You'll be a millionaire 🍽️ Keep on track with your food budget using my weekly meal planner 👉 payhip.com/b/b6GEr 💰 Get the monthly budget spreadsheet 👉 payhip.com/b/rPZwK 🛍️ Get cashb...
15 Specific Frugal Living Tips to Save Thousands
zhlédnutí 126KPřed měsícem
Want to save more on a tight budget? Try these tried and tested frugal living hacks. In this video: 00:06 - Give it up or downsize 01:12 - $1/use rule 01:54 - Reusable period products 02:45 - Get it free or cheap 04:32 - Upcycle 05:04 - Face your "nice-to-have" spending 05:57 - Have boring dinners 06:28 - Make your own cookbook 08:11 - Use AI to reduce food waste 08:40 - Cut your energy bill 09...
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zhlédnutí 10KPřed 2 měsíci
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zhlédnutí 4,4KPřed 2 měsíci
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zhlédnutí 1,4KPřed 4 měsíci
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zhlédnutí 9KPřed 6 měsíci
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zhlédnutí 165KPřed 6 měsíci
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zhlédnutí 897Před 6 měsíci
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Thank you for your Review! I would have loved to see a Review on the Timio Player. It definitely similar and different enough to deserve its own Review ❤ we love our @Timio. It goes really well hand to hand with our Tonie Box and its perfect for our bilingual family
Something I do when I get the urge to spend (my weakness is nice stationery…) I give myself a limit of say £10. That way I satisfy the urge but keep the spending in check. It’s something Alvin Hall said many years ago!
My dread is the two weeks before pay day.
Great tips and info. However, one thing to note... 9:12 $10,000 is absolutely a life changing amount of money for lots of people.
@@CantThinkOfABetterName I totally get your point, if you use the money the right way. I think 10k on its own won’t get you many places immediately- it’s not enough for a deposit pretty much anywhere in the UK. However if it can springboard you to a new career path or getting started with investing then it’s great. And regardless, it’s obviously worth having!
1. Treating yourself doesn't have to involve money. There is so much amazing things around us that are completely free . We don't need to deprive ourselves while saving for our big goals. 2. The phrase " I deserve it" is such a fallacy of thinking. Yeah, you might deserve that subway, but don't you also deserve a healthy body? Emergency fund or own house? 3. Budget is a must.. you can't see if you're succeeded in you plan if you never made a plan . 4. Plan for the things not going to plan.
Such great wisdom shared!
@@sp8400 thanks so much for watching!
I’m regularly saving into an ISA and SIPP hoping to be able to retire by aged 55 once my buy to lets are also cashed off (fingers crossed). In the meantime got to graft for the next 20 years
genius idea, give them a book.
In this tablet CZcams is available?
With you saving money is fun!
I'm trying to build an emergency fund now
@@Mon.OnMoney best of luck!
My son just hit 3, and he did have some delay, but he is doing much better now. I have had to go on leave from work to help my mother prep for her surgery and post surgery, and now we are about to start potty training for real as my prior work schedule did not give me real time to devote to it. Once i run out of the reserve of diapers, that's it. I can't wait till he can go. 🙏🏻
Its been my goal this year to build up my emergency fund (mix of percentage of wages, cashback sites and side hustles) and this month I've finally hit my target. I feel like now I can relax a bit and let it continue to gain interest. I feel so relieved to not have the pressure on myself anymore to build it up
@@veesvoyages that’s so great! Well done. It really does make a huge difference to have that safety net
I love trolley app.
Plastic Double Bread Bag for Cat Litter........I am So on it 🐈🍞🐈
You are such a great motivation!!
Great video! I asked for recommendations on one of my fb groups and this mop came up time and again. Your video has clinched the deal, thank you! 😊
I have a £1k buffer in my current t account and £20k split between premium bonds and my ISA.
@@sylsuthss I love my premium bonds!
Android/Amazon are just unusable (stutter/lag wise)...
YESS SAMSUNG IS BANNED 🚫👎
Emergency fund as full as possible , more than 30000€ for me 😊
@@frenchfruga4851 wow that’s great
I always keep $1000 in my safe for immediate access and the rest of my emergency fund in a high yield savings account
I remember being so hopeless 😩 when I didn’t have any money to replace my water heater and my credit cards were maxed 😢that was my wake up budgeting moment. Not perfect but I’m glad I started saving up and learned how to live a frugal lifestyle
@@Intentional-frugality worst feeling ever to not be able to cover costs for stuff you need. Taking time to plan and budget is so valuable
Great video Vicky 🥰. My biggest tip is to ignore or at least take Best Before dates with a pinch of salt. Unless it’s meat or poultry I generally use the sniff test. But this is particularly relevant for dried stuff. I’d never serve it up to guests, but for myself and my partner we’ve eaten dried unopened stuff that’s 2 years old and it was fine and we were NOT sick afterwards. So use your judgment 😊
I find writing what I h as be in my savings accounts on a simple piece of paper and having it by my home work computer so seeing it grow and the reminder that I’m doing it, is such a motivator and prevents wasteful spending xx
Thanks for your videos Vicky. I love that you have have an encouraging and warm nature because for some people (and used to be me) can find this very scary. So thankyou for helping people in a non judgmental way xxx
This year I started putting around £45-£50 per month for Christmas. It’s great to see how it’s grown. I should have around £500. We don’t have many presents to buy and my other half and I don’t really spend on each other - we prefer to spend our money on experiences 🥰and our food bill doesn’t really go up so that will be nice to have that there 😊. Thanks Vicky xx
Mad that these common sense money management points even needs saying, I'm always astounded!
Your tips are soooo great
Such a good video!
😮😊Yeah
Super smart tips here! 🙌
Love the video, great advice!
I love your videos thanks lovely lady xxx
This is excellent! I really appreciate the app information. I didn’t know you could use ChatGPT for recipes! Awesome. New subscriber.
Bravo for you for encouraging reusable period products. Oh my gosh, it’s so awful that period products have to be taxed. by reusing, it gets women totally out of the market of buying them again and again.
If I make food mkids or grandkids want more they get ity
Thank you Vicky. I love your videos.
thank you so much for watching!
My advice to everyone is this : if you want to grow big this year especially in your finances. Be willing to make investments. Saving is great but investing puts you on a pedestal where you wouldnt have to worry about savings as you do now. Thanks to larysa Caba, my portolio is doing really great and im proud of the decisions i made last year.
I feel one Of the greatest challenges that we first timers face in the ma rket is that we end up losing all we have,making it difficult to find ourselves back to our feet. My biggest advice is to always seek the services of a professional just like I did when I ventured into it for the first time. Big thanks to Larysa Caba. I now make huge profits by weekly through her services while still learning to stand on my own.
I think she trades for everyone I meet. I met her twice at a meeting in Germany and after her lectures from Ella I had to personally ask her to be my financial advisor. she is definitely good.
I have never seen a trader as open and transparent as Larysa Caba with her clients. The way she decides to make a profit for her clients. she allows you to express your fears and she still rests your fears and that is my respect. I don't normally comment on videos, but this word should be included. she is really cool.
I just looked up her name online. she is licensed with credible certificates and has an amazing track record. Thank you for the message.
Please can someone give me more de tails?
You joke about not having kids, but it's a fact. For 80% of average people (in the US) we cannot afford to have kids because of how bad the economy is. For the majority it is an extreme detriment to financial stability. I have 3 kids and it's insane how much it costs. Diapers, wipes, formula, food, entertainment. Paying for 5 people instead of 2 is crippling. Yes I should've wrapped it up but honestly most 18 year olds should just get a vasectomy for their future stability. And I wish this route of thinking would get pushed more for people in their teens.
I like the daily amount concept, very interesting!
I think period underwear has PBAs or something toxic in it. No thanks.
Buy and invest in quality over quantity. You will replace quality pieces less often or never. Who wants to buy a cheap frypan or cheap shoes every single or even a few times a year. Crap furniture, or clothes, forget it And no, you don't have to buy the most expensive either. Sometimes these can be found thrifting or on Facebook.
@@beccssmith6285 yes so true! Quality makes all the difference, so you don’t buy twice.
Rather than chatGPT, I use Supercook when I need to use up random ingredients. I prefer having complete recipes that have been tested by humans; the comments sections are usually very good for evaluating how easy the recipe is to follow, whether the seasoning is too heavy or light, and any other adjustments that might need to be made to suit your tastes.
Regarding kids, the real question is not whether you can afford them, but rather whether you prioritize them. My siblings and I grew up in extreme poverty with our dad in prison during most of our childhood and our mom doing manual labor, but she always prioritized us with whatever little resources we had, and educated us on the importance of dedication and perseverance. Today, my brother is an oncologist, my sister is the owner of an AI-IT company, and I'm a scientist. So, yes, raising children does cost a lot, but if anyone had told my mom she could not afford her kids, she would have laughed at them.
@@stewarthoi I agree with you. I think many people make certain sacrifices for their kids, ie they have fewer and less expensive holidays, live in a more modest home, drive a more modest car, but you prioritise what you need and want to. Well done to your mother, sounds like she did a great job
Your mother sounds like an amazing woman!
@@lady_alisa_o Indeed, she was much stronger and wiser than her 5 feet frame and elementary school education revealed ☺️
Your mom is AMAZING ❤
I know Your Mother is SO proud of ALL of You!!👏🏼👏🏼👏🏼
I have shopped at thrift store in the US, which are charity shops there. I enharrited Waterford crystal and i was able to purchase 2 wine glasses in my pattern for $0.69 each. Online I save like $74 each. So I am all about saving money anyway I can!
@@shellysnow5699 wow that’s a great bargain!
I am a millionaire and have never owned a luxury item in my life, I don’t care at all what others think of me. I’d much rather spend my money on a memorable vacation 😊
@@kathrynp7595 collecting memories is so much more valuable ❤️
Me too! I’m not a millionaire 😂, but I’m with you on the vacation thing!!
@@TheMummyBubble100%
My hero.
👏🏼👏🏼👏🏼 Awesome
Good advice! I am currently selling stuff I don't need to clear space and gain funds. I actually wonder if I would be considered a 'proper woman' by some, having just one handbag that came from a charity shop, not owning anything fashionable and not caring about it.
@@gretelwhite8088 it’s amazing how much money you can waste on trying to keep your wardrobe on trend and filled with options. I’ve also been having a big clear out recently and have handbags I haven’t used in 5 years.
@@TheMummyBubble Being older can be an advantage, nobody expects me to be on trend! So long as I have jeans and tops I am happy. My abundant craft materials are usually second hand.
Ten years ago, people often asked why we didn't have kids. When I told people we couldn't afford kids, they laughed at me. I sometimes wonder if some of those very people are the ones queuing at food banks. It is a very good reason not to have kids: I was bought up in poverty. Don't have kids if you really can't afford them.
I agree, my daughter is 32 yrs old and we are still helping her out with rent. We payed for her college and bought her a car for graduation. I don’t know when it ends but when you have children you are obligated to help them as long as they need. I love her to death but wow it has been expensive 😮
Exactly, I live in Australia and make average money but I won't have kids.
@@fenlandwildlifeclips the cost of raising a family is eye watering. Even if both parents work, the childcare costs hit hard on average or even some above average salaries.
Great advice
@@awantamta thank you 🙏