How I Budget For A New Month 💸 cash envelopes, payday routine + money success stories & worries
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- เผยแพร่เมื่อ 30 มิ.ย. 2024
- thanks for watching ✨ It's time to budget for August! In this video we are walking through my payday and budgeting reset routine for a fresh new month. I show you guys how I decide on my total spending, how I set up my digital budget tracker and we stuff my cash envelopes. Throughout the video, we talk a lot about money highs and lows and my feelings related to personal finance. Hope you love it!
🎥 What I Spend in a Month:
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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 TH-cam (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 💝
TAGS:
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how are you feeling about money this month??
You don't need to justify a single element of that purchase. You work hard. You could afford it. You got it. Brava diva! Rewarding our hard work with an occasional big treat is a wonderful thing---it's part of a healthy balance in life. You owe zero excuses.
thank you Julie!! 🩷🩷🩷🤍
It's hilarious how much I talk about your videos with my boyfriend! Your videos have helped me get my finances straight in my head, I have been budgeting with the help of your videos for multiple trips this year, just went to Amsterdam and went over budget by 75 euro but it was an amazing holiday 😁 just the fact that I know how much I've spent is fantastic and a great step forward. I bought a binder for cash envelopes to start this month so I'm looking forward to getting started on that too! I love watching your videos, you're the same age as me and it feels like a sister/ friend chat when I watch your videos ❤️
the cash envelope system changed my life too, I have been able to be more comfortable with my money. there was one paycheck that I didn’t cash out and I spent it so much quicker. I still paid bills but I noticed a HUGE difference. I think it’s because I’m a visual person
First month with cash envelopes. First month I think I might actually do it. I might stick to my budget and save some money. Makes me ridiculously happy and you actually made me try that!
this is so amazing!!! congratsss! I'm so happy for you, and proud of you! bask in that ridiculously happy feeling hehe you deserve it
I watch different channels on finance and budgeting and I have to say living in the U.S. our money is so plain and boring you guy’s in Canada and UK have such pretty cash!! 🥰😂♥️
You’re a fun person. Thanks for sharing positive money mindsets with us!
Zoe what you do is so inspiring thank you for being so transparent you are helping me so much! ❤
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Thank you so much for a great video! You inspired me to actually create a budget and start using cash envelopes and I feel free because of it!! Money now has a purpose!
woaaaah this is amazing!! good job, so happy for you 🩷
Congratulations on your new bag 💗💗
happy birthday!! my bday is June 30 so I feel ya on the halfway point! always a good time for reflection
❤great video Zoe! As I started the video I immediately ran and made a hot chocolate, grabbed my journal, and started making my budget along with you. Currently I feel a lot of anxiety, guilt and embarrassment around my finances. I am still low income and don’t make nearly as much as a lot of 30 year olds, and I noticed in my observations of my spending that I have a pattern of spending out of fear “ what if I never have money for….” And I’ve realized that no matter the amount I make, the fear that’s rooted in my spending will always hinder me. And like what you’ve said in your videos changing our mindset is such an important behavior. And something else I’ve only really let sink in is that the amount of money I spend and the amount of material things won’t pacify my child self or the self that felt she needed something- and shopping can’t heal my emotional scars or fix the things in the past that I wish could be fixed or wish never happened. So that’s been a really helpful lesson and I wouldn’t have even started thinking of my finances being linked with my emotions or really anything deep had I not watched your videos. And although this comment is super long 😅 I did want to share that right when I got paid today I put 30% away in savings, and I’m very grateful for my income and the fact that I have any amount of money to save ❤ thanks for another wonderful video. I’m off to read all the lovely comments and chats here 😊! Xo Kira
I am low income too but as long as we can save something each month we can make it work
❤️ I completely agree! I think watching these videos and reading all the comments has really helped me start to change my outlook especially with finances. Like you said as long as we can put a little bit away we will make it 😊!
Thank you for sharing, Kira!! So proud of you for working on your mindset 💖 Only good things can come from this!! aaaand 30% is AMAZING! hope you feel so proud of yourself 💕
Yay, August 🎉❤
I love watching your videos and ur the best!! 😊
ahh thank you!! xoxo
Yay new vid 💗
yayyy 🩷🩷
I love your videos because everything account for...i love your credit card envelope because it bring accountability, when you stop using it to pay your credit card then accountability stop... it is money that should have been paid by cash but you pay by credit card so it is only right that you pay the credit card. It is not extra left over money. Please don go down that road. I now have a treat yourself and credit card envelope because of you . Thanks for sharing....
I think the envelopes should be on a day to day spending..its smart! 😊
thank you!! 💸
👍 I am budgeting since 10 years, I am a fifty years old a teacher with two kids. And even I am well paid in Germany, I needed the feeling of security. You're doing a great job and I love your videos.
Thank you so much!! 💖
Enjoy your vacay ! Spend those saved dollars 💵 glenda
Great video. Thanks for sharing
Hey! Love watching your videos. ❤️. Thank you 🙏. I wan wondering how you decide the amount of cash you will take out to do the budget with?
thank you 🩷🩷 its always between $900-$1,000 and ill just decide based on how im feeling or if i know there will be purchases made on credit (like a birthday gift for someone in this month’s case)
Hi Zoe! I messaged you last week on IG about how much I love your videos (it’s Kate! Haha) and I’m so glad you posted ❤️ Since your monthly income fluctuates, how do you decide on the total amount to set aside for your cash envelopes (vs savings or debt payments for example)? Was there ever a time you realized you’re earning less than you expected at the beginning of the month, and had to change how much you put in the envelope?
Thanks and happy belated bday! ❤️
Hii thank you 💖 Such a good question! I've never had to pivot because I always save up the $1,000 before it comes time to stuff my envelopes. So I'm confident throughout the month. What I will do it sometimes change the amount if I've either a) spent a lot the previous month or b) anticipate a lower earning month coming up, but always at the beginning of the month. It helps me to just commit to a number and stick to it throughout the month. I think if I were to panic and change the amount, it'd make my anxiety much worse xx
Happy birthday!
thank youu!!
You totally deserved the Louis bag!!❤
thank you so much!!! i looove it 🤎
I just started my first job, so I'm feeling confident about my finances right now but I'm always very conscious about what I spend and on what I spend it. I am not good at mental math either 😄
wooohooo congrats Eva!!! hope it goes amazing 🩷
@@ZoePritchard thank you 😊
what do you usually do when you overspent your budget amount?
may i ask when you buy something online you use your card and pay it right but why you are paying it on credit and not debit?
Hi I’m new to you channel . Also new in budgeting i like it first you are canadien as I m and sec I had a very hard to do a budget and the way you do . I just thought I’m the same as if it’s big like my rent or other it comes out from the bank . For me what I will do is put money for trip for next year , me . Car rainy days
welcome!! 🩷🩷
Zoe!! ‘You’re a girl on the internet’ who we love, who inspires us, who always keeps it real! The internet needs more girls like you!!! Xx
I'm gonna cry!! Thank you 💖 Love you too!
Zoe- I recently found your channel and love your content! I’m on my own path to financial freedom and find your thought processes/q&a’s insightful and inspiring 💫
Do you know if your envelope system would work with US cash as well (sizing)?
Do you ever feel awkward or funny using cash at the store with the envelope? How do you handle that?
Love your channel and vibes!!!
Marissa
Hi Marissa! So happy to have you here 💖 These envelopes will fit US cash, yes. Every once in a while I'll get a bit shy because I'm there looking like an organization freak, plus cash is not as fast as tapping your card. But, I've only ever gotten compliments about them from cashiers LOL
🥹thanks for replying and sharing!!
Zoe!! I’m at work right now, and I’m looking forward to going home to watch this video!
I started watching your videos last year, and you’ve inspired me to try out cash envelope method. I’m getting paid tomorrow, ( I can believe I’m saying this) but I’m excited to budget and cash stuff :)
ahhh love this!!! it ISSS exciting and fun 😍
Zoe, I appreciate you sharing the spreadsheet reconciliation with us. I know it's personal, but it helps us so much. Thank you!
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hi! can i ask do you always stuff two binders together at the same time like the ur wallet and your sinking funds binder?
hi!!! I keep all my sinking funds digital :)
im confused which method is more suit for beginners friendly omg
Maggie should be more on your vlogs
Where did you buy the little LV? Was it online or in person? I've been looking at getting a used one myself!
I got it from Olivers Jewelry (a Toronto store) but online! They also have them on LXR&Co :)
@@ZoePritchard Thank you! And where'd you find the discount code??
Also I’m in the middle about money budgeting and finances I have to purchase a new car bc I have a non winter car and we have Super winters where I live also I want to purchase a house soon so I’ve had some anxiety about money but watching you speak so candidly and honest about your journey helps me to relax and put things into perspective so thank you And Amazing video too 😊
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Aw....you are my birthday mate!! Many years older than you though. My name is Susan and I live in Kampala, Uganda. Happy belated birthday!
Susan 🩷🩷 happy belated to you as well!!
Thank you Zoe
Your content is so relatable. I loved it when you mentioned feeling like when something is going that it won’t last, I struggle with this feeling constantly and have never found someone who shared this anxiety. Keep up the great content. Forever jumping on your videos when I see it posted. ❤
Thank youu!! 💖 I think slowly but surely we can change our minds and prove do ourselves that good things do last ✨
Thanks Zoe! Love your videos and just your energy. Super helpful and informative. ❤
It is truly amazing to see how you slowly but surely saved the money for a purchase that you wanted for so long and without restricting yourself too much plus having fun with your budgeting along the way! This is an inspiration to all of us 🙌 ❤ I've been feeling ok about money this month and since my birthday is coming up I've been thinking of buying myself a few new books. This is gonna be a splurge for me cause I try not to spend a lot on books, I'm still thinking about it 😅
omg happy birthday!! 💖💖💖
I love how you make your home beautiful and evolve it as time goes on to meet your family's needs ❤ Inspiring!!
do you use your cash budgeting during your vacation?
these videos help more than you know!!
also just wanted to say that you inspired me to start a channel earlier this year and i’m so happy about it!!!
wahooo that is so cool!! happy for you 💖
Hi zoe
I can totally relate to alot of things you talk about and you make me feel so much better!
im so glad 🩷🩷
You are doing great Zoe!
thank you Dina xoxo 🩷
@@ZoePritchard 🥰
Zoe. Happy Birthday 🎊🎉🎁🎂🎈. I enjoyed it and will be doing our budget today
thank you!!! happy budgeting 🩷💸
If you aren't afraid to work, the well will never dry 🙃
I know people who inherited millions & lost it in 5 yrs! They still have spending problems & now they have a family. They recently bought themselves a porsche cayenne when they don't have a property (they had heaps of inherited properties before but had to sell them).
I also do know people who are worth millions who are tight assess and spending a dollar is painful 😅
I say be in the middle.
Love your progress with budgeting. You used to look so stressed before 😘
❤️ subscriber from Australia
💖💖 love this comment!!
7:40
Success means different things to different people. I see women on UTube spend Thousands on a bag that’s insane I can go on 2 different vacations with that
Awesome video Zoe! I am a cash budgeter as well and use envelopes like you do. There is so much freedom in a budget when you know how much you can spend. I also do savings challenges every 2 weeks. You should get yourself a plastic clear cash tray from Amazon so when you’re doling out your money it sits pretty in the tray! You are inspiring to many and feel like I am having a conversation with a friend when I watch your videos. ❤Where is Maggie? No guest appearance lol!😂
ohh that is a good idea!! haha she was at my feet this time 😂
So excited for this video. Your budgeting videos are my absolute favorite!
ahh thank you! 💖
Wait did you pay your car off already?
not yet!! theres a little over $800 left :)
Feeling ok about finances. When i think about buying a house etc i get really anxious cause it seems impossible but looking back i have come so far as i now am saving at least 500 every month.
"I'm not a expert..just a girl on the internet" Miss Zoey don't discredit yourself, you've help me SOOO much with finances!!
aw thank youu!!! but im still not an expert 😂💗