saving & investing check-in, personal finance goals + financial anxiety chat | Monthly Money Update
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- čas přidán 8. 06. 2024
- thanks for watching this monthly money update for June 2024 ✨ this was suuuuper casual, but I hope you enjoyed it nonetheless! We chat about financial anxiety moments, my annual money goals progress, and saving and investing.
Items Mentioned:
📌 Gentle Productivity Planner: thelineshop.ca/products/the-g... (Code ZOE10 to save 10%)
Follow me on instagram! / zoexpritchard
My Budgeting Toolkit (ships internationally! use code ZOE10 to save 10% on your order)
📌 Digital Budget Tracker: thelineshop.ca/products/the-b...
📌 Custom Cash Envelopes: thelineshop.ca/products/custo...
📌 Leather folio (how I store and carry my cash envelopes): thelineshop.ca/collections/ag...
📌 Vegan leather folio: thelineshop.ca/collections/ag...
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Honestly filming on your phone was totally fine. Picture was great, sound was great. I wouldn’t have even known it wasn’t your camera if you hadn’t of told us. Cheers to making do, things always work out Xx
i would love to see a video where you go over how you just started in your 20s (age 19, 20, 21, 22) with budgeting or how you started to come about budgeting around that time, like how you did in your “how much i saved” video(s). or how you wish you started if you didn’t start at that age. :)
oh my gosh amazing idea!!! love this 🩷🩷
Love these type of videos! I can totally relate with the money anxiety! I am taking a two week vacation from work this month as my hubby is coming home after 6 months away! (He's military). We bought his plane ticket home and I have been making a trip agenda and booking reservations and just looked at my credit card and freaked!! I have thankfully been saving for this but seeing the numbers stack up is daunting! I have to remind myself that I have sacrificed and planned for this and that is what the money is for. You are doing great, Zoey! Hello from California
I actually really like the casual set-up! Congratulations on round two of the planner doing really well Zoe! I'm hoping the planner comes back sometime near the end of the year since I use a yearly planner and would love to purchase then. Enjoy France!
thank you so much 🩷🩷 we will definitely work on having stock around Christmas and New Year’s
Zoe your vlogs are really really therapy for me and I really really obsessed with your vlogs so so so much and I wish you have a wonderful wonderful weekend 🥹😭💕💖
you’re the best 🩷🩷 have an amazing week ahead!
i also like the causal set up!!! just needed my Zoe fix 🤣 lol no but really, i did enjoy this video even if it’s not what you usually do. ALSO $9k saved for retirement in a year is A LOTTT!! im older than you (just turned 30) and you’ve definitely inspired me to start my retirement investing asap. so in the words of my grandma, don’t be so hard on yourself!!!!! you’re doing amaaazing.
I agree with the comment about the camera and sound quality! It was absolutely perfect and I’m so happy you took the time to make the video🎉 I love love love your GP planner! It’s not only beautiful but so well thought out! It’s so great!
I’m already a fairly frugal person and I try to not buy new items as someone who is environmentally conscious plus I have a planning system that works for me, but boy do I want to throw all that out the window to buy your planner! Hope you’re having a great weekend!
hahahaha this means so much to me 😂🫶🏼🩷
hi im in the the vet med field, i just wanted to say if you're worried about the flea/tick preventative care, like you said, buying the bulk of preventatives is more worth it than having to treat any diseases it's preventing so that's saving you money! but also there are different products and product combos to help protect Maggie so if you want to explore a less costly option, you should talk to your veterinarian or vet tech and see if there is a more inexpensive option that is still effective with Maggie's lifestyle :) depending on your clinic and how they set up prices there may not be much of a cost difference but it's worth a shot (p.s. around 250$ for a 6-month pack is pretty typical, just so you know you're not being totally ripped off)
Thank you for sharing. Financial education is crucial today to show incredible resilience and discipline in the volatile market, masterfully balancing strategy and insight for success. This dedication to continuous learning is inspiring...managed to grow a nest egg of around 2.1BTC to a decent 15B TC in the space of a few weeks... I'm especially grateful to Linda Wilburn, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape..
Linda Wilburn program is widely available online.
I appreciate the professionalism and dedication of the team behind Linda’s trade signal service.
Trading with an expert is the best strategy for beginners and busy investor s who have little or no time to monitor their trades.
The key to financial stability is having the right investment suggestions for a diverse portfolio. Many investment failures and losses happen when you invest without proper guidance.
It was quite challenging to understand the different trends on my own until i found out about Wilburn. Trading made easy.
Liking the video before watching 😊
Me too, as always! 😊❤
LOVE YOU GUYSSS 🫶🏼🫶🏼🩷🩷
We're not halfway through the year yet, so you're well on track for your RRSP goal.
We're at the halfway mark come July 1st.
Yes, I pay that much for flea and tick meds, and then there is also heartworm medication. Not cheap, but preventative is better than my dog getting sick!
agree!!
Hi Zoe, I love this kind of videos .
When you out in about, it just makes the video more of a 101 with a friend.❤❤
I love the car videos, toooo!!!
Pet ownership when it comes to the vet has gone up too. I adopted two senior cats, and having an older cat before thought bloodwork still cost between 295-325. Nope! A wellness check with bloodwork for two cats was $1000. 😭
Love this!❤
Everything is about balance Zoe! Don’t be too hard on yourself, some of your goals are HUGE and you definetely will get it, you just need to adjust your expectations of when!
The important thing is to keep moving foward, even if it is in a slower way! ✨🥰
Also Im reeeeaaly excited to see you eating a liot of croissants and drinking coffee at a little café in France❤
I am sorry the trip to Missouri was so stressful … soooooo if you come to the US save twice as much 🎉… saving for trips is sooooo important and allows you to relax ! It’s always always a learning process !!!! Each trip teaches you more ! Glenda ❤
Hey Zoie! I TOTALLY feel you on money anxiety and not reaching goals as quickly. I had a lot of unexpected expenses come up in March and April. So I was playing catch up/pay off in May but my birthday is in June 😩. Though I had to slow down on stuffing my sinking funds and long term funds I just put what I could. My biggest goal was to pay off my cc from the unexpected expenses and that alone allowed me to breath! I tell myself to just focus on what I can do and everything else will fall in place!
Also you can get flea and tick on chewy it might be cheaper!
Southern hemisphere viewer and thanks for making content for our winter stay indoor more months 😅
Always looking forward to your videos and being on this journey with you!!
Hi Zoe, I'm loving the winter here ❤ (it's easier than the hot scorching summer in Chile 😊)
Hope you're enjoying the summer and the activities outside 😊 and good luck on your trip to France, I'm hoping to see a lot of pics or travel vlogs ✨ ☺️
I always look forward to your updates. Thank you Zoe 😊
Love your videos. Quick financial tip on pet care as a dog owner myself. Pet insurance is the way to go since Maggie is still young. Depending on the plan you get, they will reimburse you for the flea and tick, annual visits and preventative shots. Definitely look into it because it saved me one year during an emergency vet visit that was 4000 dollars and insurance covered 3800.
love the planner!!
I love this video so much it is different angle with your iphone and I really love this spontaneous video 🥰
Looking forward to watching tomorrow morning! Today will be the first time sleeping in my apartment without my boyfriend since moving in 6 months ago so it will be my little reward 😂
I have banfield plan for my dog. Its 74 per month but it covers all vaccines, 2 health check ups per year, 1 teeth cleaning per year with anesthesia and 12 months of simparica for ticks and fleas + heartworm so i think its worth it
Got me confused for a couple of seconds before I realized you probably filmed this with your front camera? 😄❤
yes hahaha 😂😂😂 professionalism 3/10 🤪
Zoe! I picked up one of your planners today :D. I wanted it the first time it came out but wasn't in a good enough financial position to justify the expense but I'm having an unusually successful start to June with my business so decided to treat myself a little bit. So excited to use the planner and hey, if I actually use it, sticking to my schedule better will make the planner pay for itself in no time.
omg yay!! glad work is going well and I hope the planner does indeed have a positive influence on your life and work 💚
Your videos help me so much! I 100% can relate to you. I feel guilty anytime i spend money😓especially when I take a trip of miss a day of work and I hate it. It has gotten alot better but it still bothers me. Definitely considering therapy because I know it comes from childhood trauma
Thanks for the vidéo Zoe, really enjoyed it ! I would love love to have the green gentle productivity planner here in el salvador 🇸🇻 ! So proud they have sold so fast !
Bought the digital version since shipping to UK is probably too much. Loving it so far and with you on the money feels, been feeling really anxious about money recently but slowly getting over it. Love the interior of the car btw❤
I find summer a lot more expensive too! Overall though feeling pretty good, budgeted in a large birthday present purchase and a trip this month is covered by savings so I’m calling it a win 🎉
Would you ever consider saving more during the non-summer months so you could pay yourself a base salary over the summer? Different situation, but I did this when I was on a school year pay schedule (only getting paid 9 months a year).
yes this is genius!! 🙈🙈
I totally feel you on the car maintenance SF... definitely NOT sexy but I recently had an oil change done on my car and was told I need to replace my outer right tie rod. I've started a sinking fund now that that when this stuff comes up, I can say "no problem" and just pull from the fund.
I also have a gifts SF that I contribute to every paycheque and this pays for any birthday gifts/Christmas gifts. I like it because I usually don't have many gifts to purchase over the summer, so the SF grows quite nicely, and by September I have a good amount of cash in there.
Happy Sunday 😊
hope youre enjoying your weekend! 🩷
I absolutely love the planner and color and would buy it if I didn't already have a planner I'm using right now. Would love to buy in the new year if you plan to restock then!
so glad you love it! im hoping we will have some stock around new years, it’s deff prime planner season
Pet healthcare is so expensive! I live in the UK and a lot of vets here have special plans for flea and tick treatments. So we pay £17 per month and get all flea, tick and annual vaccines included and then an additional 10% off all other vet bills. This is separate to our regular pet insurance. Might be worth exploring if they do plans like this in Canada! Pet costs really do add up I honestly had no idea when we got our cat 🥲
We spend about $250 (US) for a 6-month supply of a flea/tick/worm preventative (Symparica). Our pet insurance doesn't cover it (grump) but it's still totally worth it to keep our pup healthy IMO.
hi zoe! love your videos. do you have any knowledge on travel credit cards or credit cards in general? we're around the same age and i'm thinking of getting into it
i really don’t 😂😂 i need to learn haha! I have the american express cobalt and I really like it
Looking forward to summer
Your flea and tick medicine is the same here in NC US. I pay the same for 6 months. It does include heart worm prevention medication as well.
that's about the right amount for lyme and tick preventative meds. We paid around 300-$400 every year but our dog weighed 120 lbs and it goes by weight. It's worth it imo and gives some peace of mind especially living in Ontario where ticks are abundant
i get money anxiety too. i always spends loads on food and takeaway and then i dont have anything left towards the end of the month. but ive had enough now and will change my ways next month. no more eating out and takeouts. mums cooking is enough.
I've used the topical flea and tick medication for my dog and it's cheaper than getting the pills! I only use it May-October (but I'm in a colder place than you)
Southern hemisphere here. Not liking winter but I have a warm get away coming up in 5 weeks!! The phone was fine for filming.
I took my girl to the vet few weeks ago and it was $300 just for the visit, some heartworm stuff, and some vaccines
Wow, the vet consult is expensive. My vet charges like $60 USD for the exam. The shots sound about right. I buy my flea/tick as well as heartworm medications through a third party like Chewy or 1800 Pets (preferred since they’re in FL closer to me) and my vet has to approve the prescription. I always try to get them with a discount as they do them often. Some vets charge a fee if you purchase the medications through another place but mine does not. It’s known at least in the US that vets overcharge for the medications but some still pay for them there for convenience.
For flea & tick I get it from my brother since he works at a vet, is your Maggie sinking fund in cash?
i saved up a bunch in cash then went and deposited it into a 4% savings account :)
Thanks for this transparent video! I thoroughly appreciate it! Sometimes I’m at dinner with friends part of me is enjoying and living in the moment!! Then part of me it’s like how I’m going to make back this money to get back on financial track ! When I’m in a good space I can speak logically then when I’m not I explain in tears and hyperventilation 😢
Yes, the anti-parasitic medication is so expensive! I got a 7-month supply and it was about $300. It hurts every year.
When I had my Aussies (they both made it to 14 and 15 years old, now I have a cat 😂), the cost for Bravecto (the monthly chewable) was around $35 USD. And living in Southern California means it's something I had to give year round. So that price you paid seems reasonable ? Might even be cheaper with the exchange rate
ok makes sense!! its sooo expensive 😭🙈
We love you more in the USA!!
If it is not too indiscreet, how much do you earn from the planners? I mean, in rough % of your income?
im not sure yet! the first round profits were next to nothing because we had high set-up costs, so now we will see how it goes with all the set-ups costs already paid. It will likely be a small but not insignificant part of my annual earnings 😇
@@ZoePritchard Thank you!
Its like 300$ for our golden medications for ticks (we take nexguard) goes with their weight :)
It is crazy how much money pet clinics get cause in my country I spent like 30 bucks on a regular checkup 70$ if we include blood work and stuff
And this includes the vaccines and deworm even the ticks thing 😢
wow!!!!!
In Ontario. My dog can only take topical heartworm, flea and tick meds and I get a double pack for 6 months of flea and tick as one and another 6 month heartworm called advantage multi and advantix duo pack my vet ordered in was $280 if I bought separate it was over $400. I also buy an extra 3 for March, April and May of just advantix for the ticks because I live by water and as you said anything over 0 degrees ticks are out and I would rather pay that than all the diseases that can come with ticks. My vet said she seen a few dogs come in from tick bites already before our May yearly appointment. I grabbed the 3 ticks medicine in Feb without needing an appointment. :) my dog is also 80lb lab the cost depends on the vet office, type of medicine brand, oral vs topical and the size of your dog
Have fun in France! A tip from me, don't eat in restaurants in touristy areas, they are expensive and not good.
Europe can be very scammy there :) usually the restaurants a kilometer away or more is where the locals go and the food is sooooo much better
Also there is a fixed price on baguettes in France so be sure to go to a real bakery, where they bake them themselves. It's the best🙌
oh yummm thank you for these tips!!
Flea and tick meds are so expensive! I live in California and spend $160 every three months for 2 dogs . It’s warm all year around so they need coverage all year 😅
Also, if I get the same med from my vet it’s $20 more so I order it off chewy with vet prescription. I am not sure if it’s the same case for Meggie, but worth looking into
The flea and tick medication seems a bit overpriced to me. I use a serresto collar for my dog which is $60 USD and lasts 8 months. Then i get Heartgard from my vet for $142 USD for a one-year supply.
i actually just paid for flea/tick medicine for my pups today lol! $450 total for my 3 dogs (each get a 6 month supply)!
ouch 🙈😭😭
I think for 2025, you should try and take into account “lost wages” for your vacation savings. So if a vaca will cost $1,000, it really might cost $1500. So save $1500 instead of $1,000. You won’t have such a panic during your vacation then. It also might help you think hard about what vacations to take and which ones are worth it.
we pay $90 for three months for our flea and tick medication for our toy aussie. he's about 22 pounds and i think it's by weight. we're baed in BC
oh wow this is so much cheaper!! do you get it from the vet or pet store?
We buy it through the vet. It’s called nexGard
I think I spent $300 + USD on the monthly tick medicine for our dog! So not super crazy
I recommend pet insurance!
If you spend 500 dollars on a dog in Canada, what are the costs for a child??? OMG!
im scared to find out 😂😂
Hi Zoe! I'm an avid fan. I just hope you would create a copywriting tutorial. 😢❤ Thanks hope you'd seen this.
I have one! Search “copywriting” on my channel and you will see it 🫶🏼
As an investment enthusiast, I often wonder how top level investors are able to become millionaires off investing. I do have a significant amount of capital that is required to start up but I have no idea what strategies and direction I need to approach to help me make over $400k like some people are this season.
I believe the safest approach is to diversify investments especially under professional; guide. You can mitigate the effects of a market meltdown by diversifying their investments across different asset classes such as stocks, etfs etc It is important to seek the advice of an expert.
Review your portfolio with a professional and don't make the same mistakes again. Diversify, as in your stock portfolio, and hopefully consult a professional. The key to building wealth is long term. I learned 30 years ago that you have to keep emotions (rookie) out of your investment decisions at all cost. Now, i've made over 800k in profits from my 350k investment.
@@mellon-wrigley3 Kudos on the effective execution of innovative ideas and tactics that lead to significant advancement. As I seek guidance from a trustworthy advisor, would you be willing to share details about the individual assisting you?
Wright promptly do a web check where you can connect with her Gertrude Margaret Quinto and do your research with her full names mentioned..
My needs are kind of unique and complex. I'll contact her nonetheless, and I hope I'm able to make something out of it.
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.
I definitely will like to know more.
Zoe.....are you.....freckle gang?????
in the summer 🫶🏼🫶🏼
@@ZoePritchard 😻