MONTHLY MONEY RESET | my cash budget *exact amounts*, high earning month + personal finance goals 💸
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- čas přidán 22. 07. 2024
- thanks for watching ✨ Monthly Money Reset for May 2023!! In this video we chat about how I've been feeling about money, making strides toward achieving my personal finance goals, what I spent, and what I earned. I also dive into my cash budget (cash envelope system) and break down how I create my budget, plus stuff the envelopes. I hope you enjoy the video!
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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✨ 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 💝 - Jak na to + styl
paying yourself first is SOOO critical to growth and building wealth over time. good job doing that!! 💕
OMG YOU KNOW IT’S A GREAT DAY WHEN YOU POST A VIDEO! 💃🏻❤️
thank you for being so transparent. it is not often that people are that open with specific dollar amounts so I strongly appreciate this kind of content!!
thank you!! glad you enjoyed ✨💸
$7600 month in earnings Zoe, keep it up, how validating must this feel!!!!
thank youuu!! It really feels amazing, and give a real sense of security 🙈 thank you for your kind words! xoxo
I love your videos and personality!!
Love what you said about points! I still use my credit card so I make sure to switch or upgrade when there are good deals, like x amount of free points etc., so that it actually feels worth it. But if I look at my points growth, the BULK comes from the promo and the rest is going up so slowly lol
Love these video 🎉🎉 thank you for helping us face our finances
yayy!! 💖💖
Yes! 100% agree on the credit card points. I use credit cards for perks (I have an Amex and I love the access it gives me for concert tickets) but I do not use them to earn points per se. I feel like I spend so much more when I do my spending on credit as well. Something about the psychology makes it so much easier to spend on credit than debit
QUEEN! If you're self employed in Canada your taxes are only due in June so you're not even late!!
oh girl WHAT! ahahaha 😂 i know so little, thank you 😊 still scared of that 100% tax rate though 😂😭
Congratulations on all of your success this month ❤️!!! And also yes to paying yourself first! I’ve been feeling pretty overwhelmed and discouraged when it comes to finances. I’m grateful for my job but it’s one of those things where you overcome a giant hurdle and then see a street full of more hurdles . Mainly just trying to figure out ways to increase my income and also be better about not beating myself up as I learn along the way
Thank you Kira 💖 sending you positive vibes and good luck... soon those hurdles will get farther and farther apart! xo
Just got done watching another monthly reset video and seen your notification quickly clicked on your video ❤
ahhhhh love it ❤️❤️❤️
we are sooo similar - i feel like i spend so much money on material items like clothing, sneakers etc but then i'm soooo frugal when it comes to going out for drinks or dinner with friends and other experiences like concerts too 😐
🙈💖
I’m older and have reached All of my financial goals!!
Very informative video 💙
You're doing an amazing job Zoe with your goals and with your finances, I'm happy for you ❤ also trying not to spend a lot in groceries is a challenge for me too 😅
thank you Poppy 💖💖💖 we got this!!
Awesome job 👏
Hi Beautiful! Just wanted to drop by and let you know what I really enjoy watching your videos 💕
aw thank youuu 💖💖
Congratlations on your increased income---- I do hope you can strike a better balance that works for you ! Great job!
thank you so much Julie!! 💖
It’s Superannuation in Australia 🇦🇺
Oh yes Groseries are expensive here in the US too
can you do a video on how you do your freelancing? how to find clients, how to set up invoicing, how to track hours, etc? would love to get started on a copywriting side hustle (that's my main job as well so I have the technical skills) but overwhelmed by the logistics of it!
yesss soon I promise! my first tip though is LinkedIn to find clients!
Yes, a new video 🙆
yessss 💖💖💖
Great video. I use my new card that I just got to pay for my utilities that I don't pay cash, but online. I get a bit of cash back from the card, and as soon as that payment I just made is posted, I pay the balance. I don't use the card to get points... I use the card for bills that I would have to pay regardless, and that way I can build up my credit score and get a little money back. I don't have to pay any interest because I do not carry any balance, and I do not buy anything with the card I cannot pay for that same day.
I agree with you about taking all of the money out. Tt would not work for me, either. I am not trying to go to the bank more than twice a month (when I get paid)
I get paid, I calculate the money I need to leave in the bank for my utilities that I pay online, and I take out the rest for my cash wallet and for my sinking funds.
Great system!! Sounds like a really practical balance of cash and credit cards :)
Congrats on such a high earning month🎉
thank you so so much!! 💖✨
Can you talk about your freelance copywritting stream of income? :)
What I like about Cannabis is that Perscriptions are a lot less in Canada then here I don’t understand that
Love that you are also Canadian 😊 I am proud of you as well can you do a little video of the better savings accounts in Canada or do you recommend just using my current bank
WealthSimple will get you a better rate than your bank most likely (1% is the rate I get with them on a cash savings account), but I'm on the hunt for something higher :) I'll let everyone know in a video if I find something better!
I think you're right about the US credit card points- in the US it's almost more advantageous to utilize credit cards because the price of goods are increased anyway to account for credit card fees, so I might as well earn points with my credit card rather than use cash to pay for an already upcharged good
Not American but having lived there it's shocking how Americans live daily in debt. That is seen as irresponsible in most of Europe. She is correct they really buy into the points scam.
@@KittyKat-vb1nd agreed - people learn real quick to be comfortable with debt here because debt is something that is almost impossible to avoid. Practically everyone has debt here and it's just a normal thing. Everything's so expensive
Yes you can rake in a lot of points BUT can NOT go into debt for them //: your professor is right banks make money and have more and more because people spend on credit .:: you don’t get something for nothing … BUT I do have one card I get points for and I try to run gas / restaurants/ Costco/ thru it and I never ever pay interest … Glenda
Ooo what kind of luxury bag are you thinking of getting?🤩
still deciding exactly which but probably an LV 🙈
Day to day expenses are much more expensive in Canada ten the US
Do you utilize sinking funds for anything? (I apologize if I’ve missed you talking about having sinking funds!)
i feel like my one month aheads are a kind of sinking fund! but other than that no… i keep wanting to start one for maggie but it overwhelms me tbh 😂
@@ZoePritchard I see! I personally consider my "one month ahead" as part of my emergency fund (though I don't keep it in that account, and that is still fully funded at a target amount). I personally only have sinking funds for my car (car biannual car insurance/oil changes/repairs), travel and gifts (throughout the year and Christmas). I keep it all in one HYSA separate from my emergency fund (but track the amounts for the 3 separate categories). It's so helpful to be able to spend money on a gift for someone without worrying if it was in my budget that month and being prepared for the holidays before they happen!
Oh! I also have a separate sinking fund for my house since I own a home. Or you might consider that a home emergency fund. That is in a separate HYSA from the other 3 categories.
Cash envelopes are risky. What if they are lost or stolen? If you have the discipline of not spending what you don’t have credit cards are great. I flew round trip to Mexico twice, Hawaii and Seattle from California with credit card miles in the last three years. That’s over $1500 of savings. And never missed a full payment ever.
agree!! sadly i do not have the discipline 😂
What credit card do you have if you don’t mind me asking?
I wish they were less expensive here in the US
Could you please make a video or even reel about becoming a copywriter . I’m looking for side hustles
yesss soon I promise!
Taxes are very expensive in Canada from what I understand
Rather high taxes than be in US and their horrendous healthcare
Seventh...LoL. glad to be here.
hehe so glad you are hereee 💖💖
More and more restaurants and cafes in California especially SF Bay Area and LA are going cashless. 🤷🏼♀️
im noticing that here too! its craaazy
I think that part of it is due to the increased costs that come with managing cash for a small business. It requires additional time and tracking and such compared to only accepting credit cards. Even when compared to credit card fees. It's definitely so interesting to see and I wouldn't be surprised if things continue to go that way unfortunately.
First !
1️⃣✨🤗💖
Second
2️⃣ ✨!!
Why is it “fine” to supplement your boyfriend’s grocery bill every month? If he eats more, he should pay more.
Yup. I think that this is a common blind spot for some women in their finances.
And also your bf is your land lord and you pay real rent for him, why he gets to mooch off your grocery money?
he pays for most dinners when we go out, he pays all the internet and utilities in the apartment… i promise he is not a mooch 😂 im not going to start nickle and diming him over eggs and bread
Sorry for my tone 😅 great to hear!
@@ZoePritchard totally get it Zoe!! I pay more for groceries even though my husband eats more, but he also fixes and maintains my car and our house!! It’s give and take
Paying yourself first is VERY important. Great video. You are so pretty. You are a cross between a young Phoebe Cates and a young Mackenzie Phillips. Google them if you don't know.. 🙂