How I get my personal finances back on track (after overspending, avoiding, etc.) 💸📊
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- čas přidán 18. 06. 2023
- thanks for watching ✨ Thank you to The Line for sponsoring this mid-month money check in 💸 My entire budgeting kit will be linked below, and you can check out their homepage here: thelineshop.ca?sca_ref=2570300.MXguXLc3wq (code ZOE10 will save you 10% off your purchase).
In this video I'm walking you through what I do, step-by-step to get my money and personal finances back on track after going off budget. We also walk through my digital budget tracker. Normally I script, organize, and plan my money videos but I thought it would be fun to be a little messy together so you guys can see how easy it is to get back on track when you have a system that works for you. Also, it's normal to stray from your budget!! So let's get back on track together 💖
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✨ About me: ✨
Hi, I’m Zoe! (Pronounced like Zoey) I’m a 26 year old from Montreal making videos about my REAL life. After quitting my management consulting "dream job", then being laid off from a startup job, I decided to take a chance and work for myself. I'm now mainly focused on CZcams (my absolute passion) and side-hustle contracts in the copywriting and admin fields.
My videos centre around work, gentle productivity, mental health & personal wellness, with a touch of fashion, tech, and whatever else I'm living. My goal is to be open & honest ALWAYS and for my channel to be a fun, inspiring place where we can set goals and live our best lives together. I would love for you to subscribe 💝
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Do you feel you often get off-track from your budget or budgeting system?
I find when I accomplish a goal I get off track haha I just paid off my debt and went on a trip and now I’m like ouff let’s get back into it 😅
@@marynahoum i sooo feel this and agree! we're like ooo party time!
The cash system is still really really helpful ! Yes there times when I want a coffee and steal from personal care to cover it ( instead of saying no money no coffee ) but we are not perfect ! It’s ok be nice to your self. ! Progress NOT perfection glenda
yesss!! i totally agree 💖💖 and why are these coffees always so tempting 😂
You look so summery today Zoe, so pretty 😍 seeing this as an opportunity to learn how to budget better for future trips is a great mentality! You deserved this trip ❤ also it was great that you had already saved for this trip!
First video of yours that I came across was about five months ago and have loved tuning in since, but just wanted to say I love the transparency + the mindset to not beat yourself up about getting off track; def stuff I find myself struggling with so having that perspective of just bettering oneself even with set backs is awesome. Great video Zoe🙂
thank you for the kind words!! so happy to have you here 💖
Great video as always! Good luck for your budget for the rest of the month😊👍
I love these videos! I always jump as soon as I see you post a new one. It’s very refreshing to see your take on finances and its a lot of fun to see how other people budget.
ah yay!!! thank you 💖💖
Love your budget videos, and seeing you have the ability and knowledge to get finances back on track is very inspiring. Xx luv from Australia 🇦🇺
thank you so much!! 💖💖💖
I’m so off track this month too and have been overspending. This vid is very helpful, thanks Zoe! 💛
You can get back on 💖
Hey Zoe! I just wanted to drop by and say that I absolutely love your videos. Your content is always engaging and informative, and I appreciate the effort you put into each one. I have noticed that your subscriber growth has been relatively low for the past few months, and I think I might have an idea why.
While your longer videos are packed with great content, some viewers might be hesitant to click on them due to the time commitment. I think it would be helpful to experiment with shorter videos as well, maybe under 20 minutes, so that people are more willing to give them a watch. This could potentially attract a wider audience and help boost your subscriber count.
Regardless, please know that your dedicated fans, including myself, truly appreciate the effort and quality you consistently deliver. Keep up the fantastic work, and I'm excited to see what you have in store for us in the future!
Hiii thank you for your kind words 💖 I do agree with what you are saying! I keep telling myself to make shorter videos, but I just talk so much it never happens 😂
Am i able to change the color of the spreadsheet?
Have you ever thought about planning your vacations for a whole year and book early (4-6 months before the vacation)? You can save a looooooot of money doing that
suuch a good idea!! right now my motto is to "follow the deals" rather than pick a destination... I'm subscribed to a Montreal-based discount newsletter so I'm letting that pick my next destination (and it chose Hawaii which was amazing haha)
Thank you for this video! I overspent this month and am really starting to panic about my finances as I’m moving out in 3 months. Your tips were really helpful- I think the budget tracker could really help me
you got this!! can always get back on track 💖
@@ZoePritchard thank youuu!
Thank you for sharing this because many people does not show how you record your credit card information. Grest video!!
Love your cardigan Zoe. We all go off track sometimes and thats ok once we can get back to our budget again
thank you!!
I honestly have started the bad habitat of procrastinating my budget and going off the rail even when I am aware 😂😢 send help lol. Your video just made me return 4 parcels and I feel a lot better. Thank you ❤
i think its normal!! so glad the video was helpful hehe 💖
Thank you, thank you so much..Nio one is showing how to transfer info from the credit card and bank statements to the expense tracker. Also how to record when you use the credit card when you should have use cash. I am buying that tracker, I hate tracking my expense . When you stated that each month you allocate an amount to spend made me realize that I should be limiting myself too. Excellent video
so glad you enjoyed the video! hope you enjoy using the tracker :)
Love this!
Hey Zoe - You are glowing from Maui!!! You have a fabulous mindset around your finances and I'm happy that you were able to save up for this vacation. Hawaii is on my bucket list!! Would love to hear more about your vacation/travel vlog/cost and budgeting for the trip. Did you create a specific vacation budget?
Native can be cheaper to do the online subscription than buying at Target, so maybe that's something you can look into. :)
hii thank you 💖💖 i talked a little bit about how i budgeted in my “pack and prep vlog” (a few videos back, called “i can’t believe this is happening” hehe) & the trip was AMAZING! bucket list worthy for sure 😍
The app Splitwise really helps my partner and I track/reconcile shared expenses!
Ahh I love your 70s look in this vid! Super cute!
omg thank youu!! 💖
Great video Zoe everyone deals with overspending from time to time 😂
so true!! thank you 💖
Great video! How do you handle transactions that cover multiple categories with cash budget?
Thank you Zoe, from Namibia, now let me watch whole video
thank YOU!!
Off topic but I love this outfit-honestly the whole look
omg thank youuu!!
I’d love a July mid-point check in video!
yesss will do!
Hi Zoe! I love this content but I'm really curious if you can do a skincare routine video! You're always glowing and not just when you come back from Hawaii which I'm sure makes you even more glowy! Thanks in advance! :)
aw thank you 💖💖 if you search skincare on my channel theres a video from last year with my routine :) not much has changed, i love the TVAL products! I also did a skincare recap in a recent vlog 🧼
I have been off track with my budget for so long. Most of my spending is on gas because I spend a lot of money on gas. The job that I currently work for has the employees use their own cars to travel to different locations and I wish that I would have known that before I started. I’m definitely now looking for a job that I stay at one location.
no travel reimbursement?
15:23 we cannot see the numbers
What about withdraws from your bank account? Do you place on your e pension tracker,?
i don’t!
Sounds like you need a vacation sinking fund that you contribute to every month!
And you should look into the average spending of a holiday in the location before you go there. Just because the flight and hotel are affordable, it doesn’t mean the rest (food, transportation, activities, etc.) is! It helps plan better so you don’t have surprises
nice outfit! i also spend a lot this month 😢 sunny days make me want to have fun 😅😅
i feel you!!
I recently came across your videos and you have inspired me to start using the cash budgeting system. I would love to get my partner using it too. Any tips on how a male can use the cash envelopes when they don’t carry a bag around?
Thanks for the great content and keeping it real.
Hii that's amazing!! So I asked my bf what he would do and he suggested money clips! Either getting some sort of colour code for the clips or just clipping a little label or note with the category name on top of the cash. I also have seen cash envelopes that are meant to have you fold the bills so they are smaller... basically, anything that can fit in a pocket!
Great idea, thank you so much
What is that yellow nail polish?? I love it on you!!
thank youu!! its suuper old from a gel brand called Madam Glam
For me it’s tempting to want to eat out at restaurants or Starbucks
i feeel you!!
unrelated but girl your skin is going crazy 😮💨😫
Most hotels give breakfast it’s included in the stay I have never had to pay for breakfast
do you speak french?
oui!
Ur car insurance is $400??? My goodness😭