OCTOBER BUDGET W/ ME | variable income & intuitive approach to $$
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- čas přidán 7. 09. 2024
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october reset routine: • OCTOBER RESET ROUTINE ...
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Carter Sullivan
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I've been thinking about your insta stories where you talk about being scared to go full time with CZcams because you might lose your relatability, and at first I thought yeah you probably would, I like watching people with real jobs not influencers. But then as I thought more about it there may be a way for you to do it without becoming unrelatable - for one thing, if you continue with this content nothing will change, other than the source of your income. And if you keep going with your masters it still feels like you are working towards a career in healthcare, which we all know is what you have wanted all this time so it's not like you've sold out and given up on all your previous goals. And thirdly, it is kind of relatable to want to go full time as a CZcamsr because who the heck wouldn't want to do that if they got the opportunity? I think if you approach it as pragmatic and business focussed as possible and explain from the get-go how you're doing this to focus on your business and marketing skills and still keep it focussed towards a career vision it would be well received. At the end of the day, even healthcare needs communications specialists so mastering skills in social media and running a business would still make sense for your goal of working in healthcare long term. As long as you don't start talking only about what it's like to be a CZcamsr and instead talk about what it's like to work from home and work for yourself, it wouldn't be a huge shift in content.
Thank you SO much for taking the time to write out this thoughtful comment, I really appreciate it! Honestly my goal if I EVER puruse content creation full time for a season of life is to keep up the way I live (not start giving into lifestyle creep). I also agree that I think most people if given the opportunity would LOVE to work for themselves but those are also the same people who say they would stop watching me if I did. I do hope to stay in healthcare long term truthfully! I love doing CZcams and will do it as long as I can but down the line I really want to balance being in healthcare and social media!
Also love that you're so transparent about budgeting and discuss it in just a non-judgmental, accessible way for anyone, regardless of income! I'm curious about the decision to keep Disney money on giftcards vs in a saving account/sinking fund with interest like your other savings goals
?
Just a personal choice! We prefer having them on gift cards so we avoid foreign rates on our CC when we travel to the US!
I love your videos!! I’m 20 now, but I remember seeing one of your videos 2 yrs ago & I got really into budgeting at a young age which i am super thankful for now!!
That is awesome! I LOVE IT!!!!
"...since I healed that relationship with money.." I think that's what you said. I would LOVE to know more about what this process was like for you. Gonna look through your old videos for this!
I have a few older videos on this but alot of it was done in therapy truthfully! My money issues were rooted in my teenage years because from a young age caring for a horse I had ALOT of responsibility and I wasn't able to spend money on myself or save so when I first started making a liveable wage I wanted to spend everything because I didn't get that growing up! That's when I started to go to therapy (I used Better Help) and talk through my money issues!
@@CarterSullivan Gotcha! I have been working on this stuff in therapy too, which is kinda how I found my way to your CZcams. Getting this budgeting stuff has been a real challenge for me with some mental health issues, ADHD, etc. I've got a lot of weird beliefs about money and being a musician which I am JUST finally getting my head around at 53 years old! Having this kind of creator life wasn't as "acceptable" as it is now years ago. I'm just getting to the point where I am treating my business as a real business. Your videos and approach to this is really helping me so much with this too, so I thank you!
Couldn't help but think of the episode on Schitts Creek where David is saying "Thats a write off" lol! Love the video Carter, thank you for the transparency!
HAHAHA that audio lives in my head rent free😂
OMG same here..LOL!!! Hilarious
Love the bedroom. Even though a person has budget, they have to follow through and have the discipline. Not everyone can do this. I respect those who follow through.
I agree! Anyone could map out a budget but the key is following through!!
I love that you do budgeting videos. Thank you for doing them. They are awesome.
Glad you like them!
ohhh love this shirt!!! looks so cozy!
Aerie!!!
That was really interessting and helpful! I hope you can do that every month :)
I do them every month!!
I love your template, I have been using it for months, I want to know if I'll have another for the new year ?
Thanks!
Its not my template, I bought it so I'm not sure!! You could erase it all and restart it in 2023!
@@CarterSullivan thanks
Good morning happy Friday morning and I loved your vlogs and you are amazing Supporter and I'm proud of you
Thanks so much!
@@CarterSullivan of course
Yay another budget with me! Love them and all your videos!
Thanks for watching!! ♥️
Hi Carter! I love your button-up in the video. Do you remember where it is from?
Aerie!
Hey!! Carter I really really enjoyed watching your October budget with me vlog so so so much you inspired me so so so much and I wish you reach 70K Subscribers very very soon!😊✨💞
Do you have this spreadsheet in a template ?!? I need this in my life !
Its always linked in the description to purchase!
Loved this carter
Yay!!!♥️
Is this a normal amount of income for Canada? Because 5.500 eur is an insane amount of money for Germany, most of the jobs pay around 2.000 - 3.000 eur when you are at your twenties. I am so impress about the amount of money she has, as for ejemple I can image putting 500 eur a month for Christmas gift just for fun.
Keep in mind I work a corporate job and have social media income! I am very grateful for the opportunity but am working 2 jobs! ♥️
Its 8am in Australia, start wfh at 9am so this is perfect to watch while I have my caramel latte and start my monthly reset (in Australia is the 30th of September today so I'm keen to get it all done today and welcome October tomorrow). Also where is your top/shacket from? I looove!!
Love that for you!!! It's from Aerie☺️
@@CarterSullivan Thanks girl!! I'm 21 and I also have a full time corporate job, I do tutoring for highschool students (working for myself- thats my variable income a few nights per week) and I also purchased a townhouse (2 bedrooms 1.5 bathrooms) last year, in Melbourne Australia property is quite high. I'm full time in university undergrad and I graduate at the end of October and I would love to see grad school content this month to keep me motivated to graduate uni
Do you have separate accounts for each of your savings and sinking funds? Or how do you keep them separate?
I have one big sinking funds saving account that I keep track of!
@@CarterSullivan thank you so much! I’m new to budgeting so I appreciate the help 💗
I just downloaded this template because of you. Do you have to save it or does it auto save every time you use it? I’ve never used google docs before
It autosaves!
Can you make the sheet bigger. It's a bit small to be able to see on the video
It's as big as. I can make it without it going blurry sorry!
Just a curiosity why would you not pay yourself back your quarterly taxes out of your business acount so that would bring your emergency account back up considering it was a business related. just curiousity
That's honestly a very valid point! In a normal situation, I would have but the timing of it all didn't work out. TBH you never know when brands are going to pay you/that pay is sporadic so that bank account really fluctuates in its amount. I didn't have the funds currently to transfer over! I invest the leftover from the account at the end of every quarter to my RSP so I don't get dinged as much on my taxes and start fresh and since Q4 was just about to come I had just invested the remainder! It was also just a pricey business month with buying my new computer etc and I had paid myself out about $2000 to put towards debt so like a normal bank account it's getting quite low which is normal because accounts fluctuated. Since getting paid by brands is sporadic and not consistent I don't really know the next time I'll get paid so I'd rather just add it back in now because I always like to have a fully funded emergency fund! Better to fill it now than sit around and wait to see when a brand will pay me and risk it in my opinion!
@@CarterSullivan Makes sense. I just like to know thought processes and I know that the whole pic is needed to make a smart decision. Love your videos and it's nice to see another Canadian so valid to me.❤️
@@larab440 i'm the same!! I love knowing people's thought processes which is why i clearly wrote you a novel 😂
You have a license for your business but did you have to have a certain amount of viewers to be called a content creator?
I love your videos.
Thank you so much!!!
When I watch your videos I feel comfortable and happy 🥳🎊♥️ I wish to see you always and wish you a happy life my best friend🫂🍡❤️🥰😍😘🍭🌸💖💕🧁.
♥️♥️♥️
First?
If you're in Canada, EQ is a great place for sinking funds because it's a high-interest savings account and it lets you open up to (i think) 5 buckets that you can name, so it makes keeping track of amounts super easy! They also support etransfer so it's easy to get money out quickly if needed
Yes I love EQ bank! I personally use Neo's high interest savings but have heard great things about EQ!
Another great budget! I had to add in some fall activities to mine this month 🍂🏔️😂
Great idea!!