How I Budget For A New Month: $$ anxiety, what I spent, cash budget, savings | Monthly Money Reset
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- เผยแพร่เมื่อ 1 มิ.ย. 2024
- thanks for watching ✨ Let's budget together for May 2024! In today's video I am walking you step by step through my monthly budgeting routine (aka my monthly money reset!). We chat about money anxiety and overspending and set goals and a budget for next month. As always, we will un-stuff and re-stuff the cash envelopes (my personal finance BFF) for a fresh new monthly budget! Let's get it!
Follow me on instagram! / zoexpritchard
Video Chapters:
0:00 About Me
03:31 Step 1: Money Feels
17:11 Step 2: Review Prev. Month
31:03 Step 3: Create May's Budget
40:38 Step 4: Stuff Cash Envelopes
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...
*Some of these links may be affiliate links. This allows me to earn a small commission, which supports my channel at no extra cost to you. Thank you ☀️
Are you a brand that would like to work with me? Please email collabs@zoepritchard.com
happy may!!! how are you feeling about money for this new month??
So far so good 😊
Feeling good about this month
Pretty stressed out. We just had our Easter here in Greece and I spent quite some money for gifts and other things 😅
excited to finally start tracking my expenses. a late bloomer at 29, but it's time!
I JUST paid off my car. That was my final thing of debt I had! It's such a breath of fresh air and a major weight off my shoulders. I can finally focus on saving and investing more
wooohoo congrats!! amazing news 💖
Good job! 🎉
Congratulations 🎉🎉🎉🎉
I started the first week of the month with 2 vet bills, a hair cut and a big expense for a mother's day gift. I normally would have been super discouraged and it would have thrown off my wole month, but I budgeted for it so I'm still feeling good about May so far!
amazing news!!! hope all is good at the vey 🩷
So excited to see the Egg Budgeting jumper back!
yessss 💖💖 a sign of spring hehe
@@ZoePritchard I'm always jealous of it; I would love one the same, except I live where the temp is permanently 'the pits of hell'. so I live vicariously through your egg jumper while I do my cash budget
❤❤❤ so helpful, my friends rarely talks about money, so watching your videos made me feel like im listening to my friend 🥳
i love this 🩷🩷
Learning to be happy with what we already have is a great message Zoe ❤
literally said “yayy!!” out loud when i saw there was a new video from youuuuuu 🥰
ahhh this comment made me smile 💖
The budget resets arerefeeshing and gives you a new and fresh start! Yay to being motivated ❤❤
your videos are literally my favorite 🤍🤍
ahhh thank you Caroline 💖💖💖 love you!
Ignore the negative comments! Loved the video as always ❤
thank you so much 🩷🩷
So glad to see the monthly reset video. What you said about having money being intangible is so true. I love the cash budgeting too. Having the actual money in your hands is so empowering. Thank you for the video ❤️
I was litteraly waiting all day for your video😂❤
ahhhh 💖💖💖 hope you enjoy it!
I love your content Zoe!
Could you please do a video explaining how you use your credit cards?! I know you said you have 2 and I would love to know how you decide on when to use which one for a purchase or when you would rather use your debit card?
Zoe, look at the grass, you are fine IS THE MOST ACCURATE SENTENCE WE NEED. GIIIIIIIRL, YOU ARE RIGHT
hahhahaha back down to reality 😂
Love your videos, they help keep me on track to check in with my spending! Thank you so much for taking the time to video and edit and be so honest with your finances!
thank you for this sweet comment 🩷🩷
this semester hasn't been feeling so great and i have found myself with extremely anxiety about money. I really felt that when you said that your emergency fund helped you stay calm and gave you that security about you car accident. I have saved almost 200 reais (BLR) and it reaaaally helped me when unexpected things happened.
It's very important to have some money saved even if it's only 50 dollars or something like that because you never know what's going to happen.
i so agree 💖 hope you feel better!!
Love your videos, I'm fairly new to your channel and think you have a brilliant mindset. Thank you for making me smile 😊 xx
Hi Zoe! I love your channel; you've been a tremendous inspiration for me in managing my finances. Over the past year or so, I've been trying to implement budgets and slowly transitioned to the envelope method. It took me some time to convince myself to use cash because of all the benefits of cards-convenience and points-but every statement due date used to give me a mini heart attack, even if I stayed close to my budget. Now that I've switched to using cash for my budget, I feel much more at ease.
One thing I struggle with and would like to ask for your opinion and that of the community on your channel is consistency in tracking expenses. I've tried using apps, jotting them down on my phone, and writing them in a notebook, but I tend to stop after a few days. Then I feel guilty and think it's better to wait until the next week or month to start fresh. How do you stay on top of tracking your daily expenses?
Hi, that is so great to hear! Here's how I track my expenses: I keep all my receipts in my cash envelopes and once a week I sit down and put them all in the Budget Tracker from the Line. I like that it is not an app on my phone, because it feels more serious when I sit down at my computer to do it. It only takes less than 10 minutes a week!
Excited for a new month
amazing!!
Happy May I enjoyed this 🎉
happy May!!!
fave fave video!! thanks Zoe :)
thanks for watching!! 🌸🫶🏻
Ah your voice always gives me so much peace 😊 LOVE the long videos! Thanks for helping me plan to save money for my vacation and in general.
omg thank you!!! 💖✨💖✨
Hey 👋🏻 there! New subscriber here from a YT recommendation. So glad I found you! 🥰🤗
hiii so happy you are here 💖
Maggie is so cute! Always appreciate these chats. They help me with my mindset 😊
so happy to hear this!! 💖✨
This video made my day honestly 🎉
thank youuuu wow!! 💖
So glad to see you Zoe ! Hoping you’re feeling less anxious and more at peace ! Glenda ! ( oh I made it my goal of paying off my 2024 car now onto vacation saving ( two international trips this year as retirement begins )
amazing!!!! love to hear it
Although I consider myself okay with money, watching your videos is fun and makes my journey relatable. It’s nice to know that we are not alone❤
amazing!! 💖✨
you’re the best and I always look forward to your videos!! feels like we’re friends 🥺
we are friends!! 💖✨
I’ve really enjoyed watching your journey and that you’re authentically commenting how finances can contribute to anxiety, even when if you’re in a solid position. I’m working on my own mindset shift. I was wondering, have you done a video on your copywriting experience? I’m interested on learning more about how you got started and any lessons learned! Thanks and awesome job!
thank you!! yes if you go back to January or February on my channel you’ll see a Copywriting 101 vid 🩷
I watch for my girls because they are in their 20’s. I share your videos with them in hopes that they will follow their peer because they don’t listen to their mom! 😂
ah this made me smile hehe 💖💖💖 they will catch on at some point ;)
I don’t know if they have this option in Quebec but here in Southern California where I live, we have some libraries that offer an option to reserve a study room/workspace for up to 2 hours per day for free. That may be a good option for you to get away from home and get some work done.
The egg sweater! 🎉
its baaaack 💖✨
Love your sweater 🎉
thank you 🩷🩷
Acupuncture is so healing!
i'm loving it! 💖✨
Yay!! I love your budgeting videos. So excited to watch
yayy 🩷🩷🩷
Aye the egg sweater is back.
It’s a weird sweater
I was so upset when I was in a car accident due to someone hitting me because I also loved my car and it was almost paid off! I think you should make a video showing your car shopping journey in CA. I just traded my car in and chose to get a new car loan. I wasn’t excited to have a new loan and plan to pay it off within 2 years. I decided it was worth it for a certified pre owned SUV that is also my dream car. I thinking loving your car helps you pay it off and keep it well taken care of.
hiii i love this! im going to visit a car Friday so I’ll vlog it 🩷
These videos help me a lot with budgeting. Do you budget for tax? I'm self employed and thinking of saving 30% of every paycheck but is there a better way? I find myself with barely anything to spend after this
tell me about it 😭 I INSTANTLY put away about 30% for taxes into a special savings account
the anxiety !!! i will have to move soon in my big girl flat. i'm like GOD i would never be able to pay all my bills. the rent in montreal is crazy now
i know 😭 I hope you can find a good place for a good deal! if you are patient and do some digging, they are out there.
I am disabled I do not make much each month but i am saving for Christmas and a little for my grand children, I would love to work at home doing something simple
I love knix!! I want to try their bras.
me tooo! i haven’t tried the bra but I really want to 🙈
How are you finding balance or a way with budgeting and taking good care of your mental health. Especially we are facing an economic recession it’s tough finding a job or an extra income while at the same time trying to prioritize our mental health.
I want your sweater....
🍳🫶🏼
Where did you get it babeesssss?
The most important thing is you are Ok
thank you 🩷
Sorry about your accident
Personally I think the older we get the more financial stress we have because the expectation to have all the money (debt paid off, large savings) increases.
I am mentally so fatigued at the moment because we are settling on a plot of land we bought 3 years ago but has taken forever to develop. In order to get our finances approved, our broker told me to pay off my car loan & student loans in full which was $47k I didn’t have. I managed to pull together $27k but have to borrow $20k from my fiancé and will have to pay him back out of my profit off the land.
I’m trying to be grateful to be in the position to BUY an asset & to pay off so much debt but the process and having to rely on someone else financially to get through the process is really stressing me out! 😬
Got in a car accident too omg twins
glad you're OK!!
Je viens d’arriver à Montréal et j’avoue avoir très peur car j’ai l’impression que le coût de la vie ici a vraiment augmenté comparé il y a 5 ans. Je suis consciente que l’inflation est partout mais je ne m’attend pas à ça et j’ai grave peur financièrement surtout que je suis « travailleuse autonome » 😔
c'est très vrai que Montreal était une ville plus "cheap" et abordable, mais la bonne nouvelle est qu'on a pas encore r'attraper les villes comme Toronto et Vancouver 🙈 mais je comprends le stress! Pour les commissions essaye Maxi ou Super C ou Adonis pour sauver $$ 💖
love this but hoping you could dig deeper on the "investment" side of budgeting, beyond the girl math of just moving money around x
Check out the videos from previous months :) Or my "What I Have Saved, Invested, and Debt" video from Jan