UPDATED MONEY GOALS!! This is one of my favourite videos that I've made in a whileeee 💖I hope you like it! Let me know some of your financial goals in the comments and don't forget to enter the giveaway 💸 Thank you so much to The Line for sponsoring!
This is so relevant to my life! In my family did NOT talk about money so it felt taboo, like we didn’t have it, and like a lavish lifestyle/having money etc was totally unattainable! So love this ❤❤
13:19 just wanted to note that I also thought buying a car was not considered an emergency, so I felt guilty using some of my emergency to purchase a car after my old car got totaled. I was watching Aja Dangs video about emergency funds and she said “if you need your car for work then that IS an emergency and that’s what it’s there for!” Which made me realize that buying a car (for me personally) was an emergency because I use it to get to and from work and to buy groceries, give my mom rides, etc. it’s ok to have used your emergency fund for that Zoe :)
My goal is to what 'enough' is -- both financially and emotionally. Understanding this helps me invest and save with better purpose while at the same time not feeling guilty when I spend money on things that make me and my family happy. This is why tracking finances is so important!
Love your openness! My financial goal this year is to reach 35k as a down payment for a new home. I'm almost there! Love the digital budget tracker that you and Raisa Martin use, this would definitely help me achieve this goal!
One of my biggest and most time sensitive goals is to move into my own apartment in Chicago this summer, and budgeting for this change. I've been living at home and saving the majority of my paychecks, and I know moving out and adding on expenses with rent and utility bills will be an adjustment. Having either of these budgeting tools would be a big help!
Zoe, loving the money moves!!! Amazing job! I am also self-employed & this year for taxes I saved $14,000 more than I owed & it felt so good to not freak out about my taxes! The book Profit First is how I made that happen. I think that the money managing method discussed in that book is GOLD! + You'd still be able to do cash envelopes, I do! Anyway, love the channel, keep up the good work!
Zoey, I have to say your aura your tone of voice everything has done a 360 since you started talking about finance. I’m so proud of you and you continue to inspire me ❤😊
My financial goal is similar to yours. I want to not be afraid of my finances. I feel like it’s easy to not look at them and let things auto pay without actually having a good visual understanding of what’s happening. The digital tracker would be so helpful to actually start documenting everything and be able to see visually where I am as well as see myself working towards those goals.
I think I can say for everyone that we're grateful that you are sharing your progess and thoughts with us cause they're so relatable! Right now, I'm on my way to fill up my sinking funds bank account. Wish me well.
Hi Zoe, love your approach. I think a lot of people don’t talk about personal finances due to the judgement that gets passed around. I love how you highlight that there is no such thing as perfection in this space. ❤
Loved this! One of my financial goals is to land a job after I complete my master's this year that hits my salary target. This goal really matters to me because I will be moving to a new city (also Ottawa!) and want to be able to comfortably afford rent while enjoying life in a new city. Job hunting has been a long, intense and sometimes overwhelming process, but I haven't given up hope.
I don’t know what it is about this specific money video but it’s definitely one of my favourites! I guess it’s seeing you smash your goals specially since I’ve been following your journey (virtually lol) for a year now. I just felt so proud of you! ❤ Also, there’s something soothing about your voice in this video. I think it’s because you are aware of the people in the other offices, so you are talking a bit softer than usual. Idk idk but I loved everything.
Thank you Mutombo 💚💚💚 yes I'm trying to be respectful of my neighbours so I'm speaking more softly and got a mic haha.. so happy you like how it sounds!! & thank you so much for your support this past year oxoxoxo
Loved this video so much! I immediately put 20% away for taxes too because I'm self-employed and then transfer seperate money into savings every paycheck. It makes life so much simplier and easier!
Loved the video as always!! I am honestly so tempted to buy the digital budget tracker right now cause it looks so nice!! One of my financial goals is to save up to make a lump sum on the anniversary of my mortgage and also just to be more mindful every month on what I spend my money on
My financial goals this year is to end the year credit card debt free and be able to not have any overdrafts. I have been working diligent to stop familial habits and have been seeing amazing progress towards those goals. Thanks Zoey for sharing you journey with us because it is so relatable to me right now!
Hey Zoe, really great video :) maybe Transfer Tuesdays could help you with that too? It's done by a couple of other TH-camrs and they make a short video every week, where they tell what they did to move their money into the right direction that week and most do a "live" transfer. It's an interesting concept and I guess it's for keeping oneself accountable
Thanks for always putting out awesome financial content. I wish that I had more content like this when I was in my 20s! My current financial goals are to build up an additional $7,000 in my emergency fund and to pay off my home loan in the next 3-4 years. I’d love to win the agenda in organizing my financial life ❤
I loved this video and thank you for actually talking about your actual numbers!! I have a couple goals, one being to save money for my master's degree and the other being to save more money than I spend on a month to month basis!
I know exactly how you feel. I've just started recording my journey with my personal finances and paying off heaps of debt. Every video I've made has been so hard to do just from an embarrassment point of view. I hope one day I can feel as comfortable as you seem to be now. Well done 💜
The idea of a premium leather cash envelope system is actually really cool. It shows you can be intentional with your money *and* live a high quality lifestyle... it easy to think you have to choose between the two
Hii!! Not worried because 1. the benefits of the cash for my budget outweigh the points an 2. i still put my large purchases on credit so I still get the major points 💚
my financial goal is paying down my line of credit for my home renovations i did this year! I would love to end the year with a clean slate and a home I'm proud of! I think the digital tracker will help me set short and long term goals towards it!
Loved this video 🩵 one of my financial goals is saving up for a new car. I bought my current one used close to a decade ago and she’s been having so many issues, I think it’s time to let her retire. I feel like the digital tracker will help me since I’ve never honestly tracked my spending (just stuck with financial advice I’ve always gotten which is to pay off my credit cards on time each month lol). Thank you!
Another goal you could add for a longer term is a Maggie emergency fund of $5k so you always have a backup if something happens. I’m working on that for my pup and works as a sinking fund for yearly appointments and biannual med purchases. I also keep any savings above my “one month ahead” or smaller quick access savings in a high yield savings account.
Money wasn't talked about in my family. I learned to budget and take charge of my finances from TH-cam videos. It's been a journey and now me and my fiance are saving for our first house! And I will finally have my line of credit paid off early 2024 🎉
My financial goal is to finally save $5000 for my emergency fund and $15000 towards a house downpayment. I think the cash envelope system helps you tangibly see how much you’re saving/spending. I also think the tracker (or any tracker) is important to know where your money is going and to help visualize your budget! It helps reduce my anxiety about money. 😌
Keep rocking it girl!! A big financial goal for me this year is to take control of my variable expenses. The budget binder and envelopes would be perf and fingers crossed, keep me on track!
Hey. I’m wondering why you wouldn’t pay off the credit line (which cost you interest) instead is saving money for emergencies and such. You can always use the credit line for emergencies if that comes up before you save up more money. That way you are saving all the interest from the balance on credit line!
Hi! I just paid it off for that reason :) But in the beginning, the insurance cost (which was on the line of credit) would have drained my savings and I didn't want that. Although it makes sense to save on the interest, emotionally I wanted to still have some savings.
One of my financial goals is to start an IRA account! It's been very confusing trying to figure out how they work and what would work best for me, but I really hope to start one soon because I think it'll be great for my future.
What a great video! Money too was never talked about in our house and I definitely need to work on my constant state of financial stress. Keep up the great videos :)
Zoe , let’s see how you do you have so many wonderful goals .. for me in my life I need to pick one and focus on it then move to the next❤ ..:: BUT I do have two big goals ! One pay off my car ! Paying 3k a month towards it ! Then 60k in emergency fund (yes that’s a crazy amount ) different stage of life for you and me ! But I am sooooo proud of you for how you are brutally honest and your open to change your plan as things change ! Keep going girl ! We will get there ! Very different up bringing ..: my mom and dad got paid once a month so by the end of the month the cupboards were bare ! Mom told my husband he needed to pay himself every time he got a raise to add it to his retirement account ! Mom was wise ! ❤❤glenda
Love your videos! And thank you for always being so open in sharing about your life and finances!! I’m moving abroad for work in a few months, and this would mean that I’ll be moving out of my parents home too. This budget tracker will def help me in budgeting for new expenses (e.g. rent, utilities)!
My main financial goal currently is to finish my 10k envelope challenge! I am half way there, and The Line products I'm sure will help me adhere more specifically to my budget. x
Just a thing about you using your line of credit to pay off a credit card. yes, a line of credit has lower interest but the line of credit accrues interest daily, while credit card is monthly. so if you pay something on your credit card, and pay it before the due date, you essentially have 0% interest. but if you use your line of credit to pay it off, and don't pay off the line of credit until a few days later, technically you're losing money as the interest is already happening per day
For the car loan, it really just depends on your specific living situation. IF you can “let it ride” and pay it off monthly with no worries, then Sure. Go ahead. If you don’t want to then you can pay it off earlier.
Love this series from you. When you fall off the wagon you get up and keep going! Glad that you’re able to manage the high months and low months with your variable income. My financial goal is to have my E Fund fully funded! There’s nothing like peace of mind. The budgeting systems (binder/excel sheet) could help me determine what changes I need to be able to save more 😊!
my husband and i’s current financial goals are to save a 10k emergency fund, and to save 5k for travel this year (a trip out west to visit family, and a caribbean cruise at the end of the year!)
Not a financial expert but i would say get rid of the car payment I’ve been there before i would say use the 4k to buy a used car then you can free up that extra money from car payment to emergency fund / other debts
One of my financial goals is definitely to put money into my savings every month! I love your positive energy in this video and I can totally relate about the feelings that family can put into us when it comes to finances. But your videos make me feel more positive Zoe! I've said it before but I'm so proud of everything you're doing 💗
My goal this month was to continue to contribue $500 to my emergency fund and put money aside for my 2024 taxes because they scare the crap out of me too. Do you have a video where you talk about all the different accounts you have? I want to start making different accounts for different goals like you but I feel a bit overwhelmed with having too many accounts and was wondering how you organize/keep track of all of yours 😅
I find your financial videos very inspiring, thanks zoe for the work you put in, it shows!❤ My finacial goals is to hit $7,000 in my Emergency fund by the end of the year, why would i use the cash envelope system to achieve my goal, is simply because I think it’s an effective way at controlling your day to day spending and it makes you more intentional to where you want to allocate your money. Wishing for the best, have a nice day!
Two goals for me right now. 1) Complete my 100 envelope challenge in 16 months or less 2) Stuff $3K in my car maintenance envelope over the next 2-3 years.
Also a new driver here, I was able to lower my car insurance by a lot because of a driving tracker. Maybe your insurance has that too? I think mine used to be 1800€ now it's 1300€ (which is still insanely high for Germany but we're getting there)
I would love to enter!! I want to replenish my savings as well as save up for a down payment for a new car. I would use the money envelopes to make sure I don’t go over my leisure money.
Hi from Portugal! I think that the budget tracker would be soo usefull. I started this year learning about personal finances and track your expenses is the first step, right? I wanna thank you for this content and the way that you talk about this themes.
As I am about to type to the comments section that my money goal for this year is to save up money to move to Portugal I see your comment 😂 I'll take it as a sign! 😊
1 of my financial goals is to build up to a 10,000$ emergency fund, then start a different account to start saving for grad school next fall. The cash envelopes would help me to spend less money on eating out (oops)
My financial goal is to change jobs and contribute more to my savings. The biggest saving goal I have at the moment is a house fund :) I hope to achieve it when I graduate to buy a 2-3 bedroom apartment with no or a low mortgage. Hope it will work out🤞
I’m trying to aggressively pay off my credit card before interest applies. Idk if it’s gonna happen, but paying interest on $700 is better than paying it on $6,000😅
My financial goal is to have a fully funded emergency fund by the end of year! Saving 500 each month to get to 6000 - it’s slow but feels so good getting closer 🥰
this is amazing 💚💚 I know how it feels when it feels slow, but time also passes so quickly so you will hit your goal before you know it! plus this is a super sustainable goal
Hey Zoe I was just wondering what company you are with for freelance writing? Have you heard of upwork? I'm not sure if I should start my career with them.
Hi! Yes I've heard of Upwork :) personally I did not have much success with them but I also didn't put too much time into my profile because I landed my current contract through my network. I would say it's worth a try!
@@ZoePritchard Sure! But my issue is that I have to get a non-US tax form which I am not sure about. Also, I'm kind of not used to bidding and making a proposal. Very confusing! What company are you with? I really want to help my family by having a side hustle.
Does your car insurance let you pay it 2x a year instead? That’s what I do and they still give me a pretty large discount, compared to paying it monthly
So proud of you and loved this video! I’m so glad to see you thriving! My biggest goals this year was to buy a house, and I just did it last week and put 20% down payment 🥳 Just feeling really excited and proud 🥲
goal: create a good balance between my saving, and spending habits! i would love to reach my saving goal of $15,000 (to put towards a down payment on a home)!✨💛
Trying to pay off my last bit of debt. We took our bonuses and made some big dents. Your insurance is nuts. Sorry... I hope it comes down soon and shop around.
over-arching goal for the year: $10K in savings emergency fund goal: $15K by end of next year sinking fun goal: varies, but want a threshold of $5K I don't go below by 30, I want $50K in savings (split across emergency fund, sinking funds/fun savings) currently at $7.8K and I started with $500 in my savings account at the beginning of this year lmfao
UPDATED MONEY GOALS!! This is one of my favourite videos that I've made in a whileeee 💖I hope you like it! Let me know some of your financial goals in the comments and don't forget to enter the giveaway 💸 Thank you so much to The Line for sponsoring!
yes you uploaded 💚
I paid off my line of credit today!!!! I’m so happy! ❤ Thank you for being such an inspiration and for giving this warm energy!
CONGRATS!!!! amazing achievement 💚 & thank you for those kind words
This is so relevant to my life! In my family did NOT talk about money so it felt taboo, like we didn’t have it, and like a lavish lifestyle/having money etc was totally unattainable! So love this ❤❤
glad you are enjoying ❤️❤️❤️ thank you for your comment Jess!! xo
I paid my property taxes and my credit card in full while watching this video. Thanks for keeping me company while paying bills.
LOVE THIS!!!!!
13:19 just wanted to note that I also thought buying a car was not considered an emergency, so I felt guilty using some of my emergency to purchase a car after my old car got totaled. I was watching Aja Dangs video about emergency funds and she said “if you need your car for work then that IS an emergency and that’s what it’s there for!” Which made me realize that buying a car (for me personally) was an emergency because I use it to get to and from work and to buy groceries, give my mom rides, etc. it’s ok to have used your emergency fund for that Zoe :)
My goal is to what 'enough' is -- both financially and emotionally. Understanding this helps me invest and save with better purpose while at the same time not feeling guilty when I spend money on things that make me and my family happy. This is why tracking finances is so important!
Love watching you achieving your goals and moving forward, we’re all right beside you cheering you on. Love from Australia 🇦🇺 Xx
thank you so much 💖💖 this means the world!! xox
Love your openness! My financial goal this year is to reach 35k as a down payment for a new home. I'm almost there! Love the digital budget tracker that you and Raisa Martin use, this would definitely help me achieve this goal!
One of my biggest and most time sensitive goals is to move into my own apartment in Chicago this summer, and budgeting for this change. I've been living at home and saving the majority of my paychecks, and I know moving out and adding on expenses with rent and utility bills will be an adjustment. Having either of these budgeting tools would be a big help!
amazing goal!! good luck 💚💚
Zoe, loving the money moves!!! Amazing job! I am also self-employed & this year for taxes I saved $14,000 more than I owed & it felt so good to not freak out about my taxes! The book Profit First is how I made that happen. I think that the money managing method discussed in that book is GOLD! + You'd still be able to do cash envelopes, I do! Anyway, love the channel, keep up the good work!
omg that is AWESOME!! I'm going to check out this book, thank you 💖
Zoey, I have to say your aura your tone of voice everything has done a 360 since you started talking about finance. I’m so proud of you and you continue to inspire me ❤😊
My financial goal is similar to yours. I want to not be afraid of my finances. I feel like it’s easy to not look at them and let things auto pay without actually having a good visual understanding of what’s happening. The digital tracker would be so helpful to actually start documenting everything and be able to see visually where I am as well as see myself working towards those goals.
Yes I totally agree!! 💚💚💚
Usually in your old home, you used to talk loudly and it sounded good. This time you're talking less loudly I love it. It brought me peace
yay I'm glad you like it!! I got a mic and am speaker softer because of my office neighbours :)
I think I can say for everyone that we're grateful that you are sharing your progess and thoughts with us cause they're so relatable!
Right now, I'm on my way to fill up my sinking funds bank account. Wish me well.
thank youu 💚💚 good luck!!! you got this
Hi Zoe, love your approach. I think a lot of people don’t talk about personal finances due to the judgement that gets passed around. I love how you highlight that there is no such thing as perfection in this space. ❤
Thank you so much 💚💚 this really means a lot to me
Loved this! One of my financial goals is to land a job after I complete my master's this year that hits my salary target. This goal really matters to me because I will be moving to a new city (also Ottawa!) and want to be able to comfortably afford rent while enjoying life in a new city. Job hunting has been a long, intense and sometimes overwhelming process, but I haven't given up hope.
I don’t know what it is about this specific money video but it’s definitely one of my favourites! I guess it’s seeing you smash your goals specially since I’ve been following your journey (virtually lol) for a year now. I just felt so proud of you! ❤
Also, there’s something soothing about your voice in this video. I think it’s because you are aware of the people in the other offices, so you are talking a bit softer than usual. Idk idk but I loved everything.
Thank you Mutombo 💚💚💚 yes I'm trying to be respectful of my neighbours so I'm speaking more softly and got a mic haha.. so happy you like how it sounds!! & thank you so much for your support this past year oxoxoxo
@@ZoePritchard oooo I think it’s the mic! It’s so smooth!
Loved this video so much! I immediately put 20% away for taxes too because I'm self-employed and then transfer seperate money into savings every paycheck. It makes life so much simplier and easier!
love it!!! 🩷💸
Loved the video as always!! I am honestly so tempted to buy the digital budget tracker right now cause it looks so nice!! One of my financial goals is to save up to make a lump sum on the anniversary of my mortgage and also just to be more mindful every month on what I spend my money on
You and Gail Fox-Oxly are my inner financial advisers. Thank you so much! Greets from Germany!
You are glowing in this video! It was fun to watch, thanks
thank you so much 🥺💚
A $5000 month is amazing. Keep it up!
Thank youu 💖
I’m so happy for you! ❤ keep up the good work
My financial goals this year is to end the year credit card debt free and be able to not have any overdrafts. I have been working diligent to stop familial habits and have been seeing amazing progress towards those goals. Thanks Zoey for sharing you journey with us because it is so relatable to me right now!
this is fantastic!! so happy to hear it is going so well for you 💚💚 you got this!!
So proud of you, girl 💕💕
Hey Zoe, really great video :) maybe Transfer Tuesdays could help you with that too? It's done by a couple of other TH-camrs and they make a short video every week, where they tell what they did to move their money into the right direction that week and most do a "live" transfer.
It's an interesting concept and I guess it's for keeping oneself accountable
Hiii!! Yes I love that idea... I'll have to think about whether it would work for me since my paychecks are a bit sporadic haha
Thanks for always putting out awesome financial content. I wish that I had more content like this when I was in my 20s! My current financial goals are to build up an additional $7,000 in my emergency fund and to pay off my home loan in the next 3-4 years. I’d love to win the agenda in organizing my financial life ❤
I love your financial goal/spending/budgeting videos! You're doing great and we're all learning with you!
thank you Julie 💖💖💖
I loved this video and thank you for actually talking about your actual numbers!! I have a couple goals, one being to save money for my master's degree and the other being to save more money than I spend on a month to month basis!
both these are awesome goals!! thank you for sharing 💖💖
I know exactly how you feel. I've just started recording my journey with my personal finances and paying off heaps of debt. Every video I've made has been so hard to do just from an embarrassment point of view. I hope one day I can feel as comfortable as you seem to be now. Well done 💜
you will get there!! it took me 2 years!!
SO excited for your new video! I was watching your videos yesterday! ❤
yay!! 💚💚 hope you enjoy it!
The idea of a premium leather cash envelope system is actually really cool. It shows you can be intentional with your money *and* live a high quality lifestyle... it easy to think you have to choose between the two
Yess I totally agree! I think like most things it's about balance, but when it's something you use daily why not have it be high quality 💖
Financial Goal: Pay off all debt by end of the year, on track to do this early!! 🎉 super inspired by this content 👏🏼👏🏼👏🏼
yesssss love this!! 💚
Hi! I'm interested in the cash-only method but do you ever worry about missing out on collecting points from not using credit cards as much?
Hii!! Not worried because 1. the benefits of the cash for my budget outweigh the points an 2. i still put my large purchases on credit so I still get the major points 💚
So proud of you Zoe!! ❤
Thank you Sandra 💚💚
my financial goal is paying down my line of credit for my home renovations i did this year! I would love to end the year with a clean slate and a home I'm proud of! I think the digital tracker will help me set short and long term goals towards it!
Love how your worded the clean slate and home you are proud of 💚💚 you got this!!
@@ZoePritchard Thank you!! you as well!! you're killing your goals Zoe!! so much to be proud of
Loved this video 🩵 one of my financial goals is saving up for a new car. I bought my current one used close to a decade ago and she’s been having so many issues, I think it’s time to let her retire. I feel like the digital tracker will help me since I’ve never honestly tracked my spending (just stuck with financial advice I’ve always gotten which is to pay off my credit cards on time each month lol). Thank you!
Wow this is awesome!! thank you for sharing 💚💚
Another goal you could add for a longer term is a Maggie emergency fund of $5k so you always have a backup if something happens. I’m working on that for my pup and works as a sinking fund for yearly appointments and biannual med purchases. I also keep any savings above my “one month ahead” or smaller quick access savings in a high yield savings account.
Congratulations 🎉🍾🎈 on the 5k a month goal! I am so proud for you. ❤ You are doing GREAT! 👍💕
thank you so much 💚💚💚 this means so much to me
Good Morning, catching up on videos. Great job on paying down debt.
Zoe, you have such a nice smile!
Money wasn't talked about in my family. I learned to budget and take charge of my finances from TH-cam videos. It's been a journey and now me and my fiance are saving for our first house! And I will finally have my line of credit paid off early 2024 🎉
This is amazing!! 💚💚💚
Thank you for sharing ❤I am also working towards a full emergency fund and investing this year.
Amazing!!! love this 💚
My financial goal is to finally save $5000 for my emergency fund and $15000 towards a house downpayment. I think the cash envelope system helps you tangibly see how much you’re saving/spending. I also think the tracker (or any tracker) is important to know where your money is going and to help visualize your budget! It helps reduce my anxiety about money. 😌
Keep rocking it girl!!
A big financial goal for me this year is to take control of my variable expenses. The budget binder and envelopes would be perf and fingers crossed, keep me on track!
Thank you Maria 💚💚 good luck!
My financial goal is to be able to rely on myself and my earnings. The budget tracker would be just perfect.
love this 💚💚
Hey. I’m wondering why you wouldn’t pay off the credit line (which cost you interest) instead is saving money for emergencies and such. You can always use the credit line for emergencies if that comes up before you save up more money. That way you are saving all the interest from the balance on credit line!
Hi! I just paid it off for that reason :) But in the beginning, the insurance cost (which was on the line of credit) would have drained my savings and I didn't want that. Although it makes sense to save on the interest, emotionally I wanted to still have some savings.
One of my financial goals is to start an IRA account! It's been very confusing trying to figure out how they work and what would work best for me, but I really hope to start one soon because I think it'll be great for my future.
I just went to Montreal and loved it . Thanks for sharing your story with us .
yayy! glad you had a good time 💖
Thank you for sharing ❤ I'm so excited that I accomplished my goal last year of purchasing my home, and current goal now is to save for new vehicle 🚗
wow love this ❤️❤️
What a great video! Money too was never talked about in our house and I definitely need to work on my constant state of financial stress. Keep up the great videos :)
thank you so much!! 💖
My financial goal is to get in control of my spending. The cash envelope system would be perfect to help with that!
amazing!!
Zoe , let’s see how you do you have so many wonderful goals .. for me in my life I need to pick one and focus on it then move to the next❤ ..:: BUT I do have two big goals ! One pay off my car ! Paying 3k a month towards it ! Then 60k in emergency fund (yes that’s a crazy amount ) different stage of life for you and me ! But I am sooooo proud of you for how you are brutally honest and your open to change your plan as things change ! Keep going girl ! We will get there ! Very different up bringing ..: my mom and dad got paid once a month so by the end of the month the cupboards were bare ! Mom told my husband he needed to pay himself every time he got a raise to add it to his retirement account ! Mom was wise ! ❤❤glenda
Thank you for sharing Glenda 💚💚 I always love reading your comments!
Love your videos! And thank you for always being so open in sharing about your life and finances!!
I’m moving abroad for work in a few months, and this would mean that I’ll be moving out of my parents home too. This budget tracker will def help me in budgeting for new expenses (e.g. rent, utilities)!
this is so exciting!! 💚 thank you for the kind words
My main financial goal currently is to finish my 10k envelope challenge! I am half way there, and The Line products I'm sure will help me adhere more specifically to my budget. x
amazing!! thank you for sharing 💚
Just a thing about you using your line of credit to pay off a credit card. yes, a line of credit has lower interest but the line of credit accrues interest daily, while credit card is monthly. so if you pay something on your credit card, and pay it before the due date, you essentially have 0% interest. but if you use your line of credit to pay it off, and don't pay off the line of credit until a few days later, technically you're losing money as the interest is already happening per day
Yes! I would only transfer the balance if I couldn't pay off the cc in time
For the car loan, it really just depends on your specific living situation. IF you can “let it ride” and pay it off monthly with no worries, then Sure. Go ahead. If you don’t want to then you can pay it off earlier.
agree!!
Love this series from you. When you fall off the wagon you get up and keep going! Glad that you’re able to manage the high months and low months with your variable income.
My financial goal is to have my E Fund fully funded! There’s nothing like peace of mind. The budgeting systems (binder/excel sheet) could help me determine what changes I need to be able to save more 😊!
Thank you so much 💚💚 Amazing goals!
loving your recent videos ❤
thank you 💚💚💚
my husband and i’s current financial goals are to save a 10k emergency fund, and to save 5k for travel this year (a trip out west to visit family, and a caribbean cruise at the end of the year!)
sounds amazing 😍
Loving this video ❤
Not a financial expert but i would say get rid of the car payment I’ve been there before i would say use the 4k to buy a used car then you can free up that extra money from car payment to emergency fund / other debts
Can you please ask her for the option to buy the cash envelopes without the binder? That would be ideal for most of us!
It sounds like you are talking lower due to being in a shared space, but I dig the softer spoken vibe 😅
haha yes im still a bit shy in the new office 🙈 + trying to be respectful of my new office. so i got a mic! 🤪
One of my financial goals is definitely to put money into my savings every month! I love your positive energy in this video and I can totally relate about the feelings that family can put into us when it comes to finances. But your videos make me feel more positive Zoe! I've said it before but I'm so proud of everything you're doing 💗
thank you Poppy 💖 love you and so grateful for your support always!! amazing goal you have!
My goal this month was to continue to contribue $500 to my emergency fund and put money aside for my 2024 taxes because they scare the crap out of me too.
Do you have a video where you talk about all the different accounts you have? I want to start making different accounts for different goals like you but I feel a bit overwhelmed with having too many accounts and was wondering how you organize/keep track of all of yours 😅
love those goals!! I don't think I have a specific video to be honest, but i know I go over them in my older monthly money videos 💚
I find your financial videos very inspiring, thanks zoe for the work you put in, it shows!❤
My finacial goals is to hit $7,000 in my Emergency fund by the end of the year, why would i use the cash envelope system to achieve my goal, is simply because I think it’s an effective way at controlling your day to day spending and it makes you more intentional to where you want to allocate your money.
Wishing for the best, have a nice day!
Love this!!! good luck 💖💖
My goal is to finally track some sort of monthly budget and do it alongside my wife. It looks like the digital Google Sheet would be perfect for us.
yessss I think it would be! great goal 💚
Two goals for me right now. 1) Complete my 100 envelope challenge in 16 months or less 2) Stuff $3K in my car maintenance envelope over the next 2-3 years.
Also a new driver here, I was able to lower my car insurance by a lot because of a driving tracker. Maybe your insurance has that too? I think mine used to be 1800€ now it's 1300€ (which is still insanely high for Germany but we're getting there)
I would love to enter!! I want to replenish my savings as well as save up for a down payment for a new car. I would use the money envelopes to make sure I don’t go over my leisure money.
love this!! good luck! 💚
Hi from Portugal!
I think that the budget tracker would be soo usefull. I started this year learning about personal finances and track your expenses is the first step, right?
I wanna thank you for this content and the way that you talk about this themes.
As I am about to type to the comments section that my money goal for this year is to save up money to move to Portugal I see your comment 😂 I'll take it as a sign! 😊
@@annakiseleva6497 I wish you the best of luck on that goal! Go for it!
@@TheSilviaGouveia thank you for your kind words ☺️
Hi Sílvia!! Thank you for your comment, good luck 💚💚
Hello Zoe, love your videos
hiii 💚 congrats on your wedding, so exciting!!
1 of my financial goals is to build up to a 10,000$ emergency fund, then start a different account to start saving for grad school next fall. The cash envelopes would help me to spend less money on eating out (oops)
awesome!! gooood luck 💚💚
My financial goal is to change jobs and contribute more to my savings. The biggest saving goal I have at the moment is a house fund :) I hope to achieve it when I graduate to buy a 2-3 bedroom apartment with no or a low mortgage. Hope it will work out🤞
wowwww this is incredible 😍 thank you for sharing!
My current financial goal is to have a fully funded Christmas sinking fund before December!
I’m trying to aggressively pay off my credit card before interest applies. Idk if it’s gonna happen, but paying interest on $700 is better than paying it on $6,000😅
yes yes!! you got this 💖💖
My financial goal is to have a fully funded emergency fund by the end of year! Saving 500 each month to get to 6000 - it’s slow but feels so good getting closer 🥰
this is amazing 💚💚 I know how it feels when it feels slow, but time also passes so quickly so you will hit your goal before you know it! plus this is a super sustainable goal
My current goal is pay off some debt, while i save for vacation with my boyfriend (since we are long distance)
Would like to get a month ahead
Hey Zoe I was just wondering what company you are with for freelance writing? Have you heard of upwork? I'm not sure if I should start my career with them.
Hi! Yes I've heard of Upwork :) personally I did not have much success with them but I also didn't put too much time into my profile because I landed my current contract through my network. I would say it's worth a try!
@@ZoePritchard Sure! But my issue is that I have to get a non-US tax form which I am not sure about. Also, I'm kind of not used to bidding and making a proposal. Very confusing! What company are you with? I really want to help my family by having a side hustle.
And I prefer for it to be local. In the GTA area
How do you save for your next insurance?
I'll be changing insurance companies next year & will switch to a monthly payment :)
@@ZoePritchard i safe up in a sinkingfund just like it would be a payment:) because yearly is cheaper for me 😉
One of my goals is to contribute $6500 + to my TFSA and get my emergency fund to $10,000 as well.
yesss love this!! amazing goals 💚
Does your car insurance let you pay it 2x a year instead? That’s what I do and they still give me a pretty large discount, compared to paying it monthly
probably! but the problem was i mixed up my renewal dates and when i tried to change the payment schedule it was too late 😭
My financial goal for this year is to find a new job and then get rid of my 1500$ credit card debt et get 1000$ in an emergency fund!
yesss love this!! good luck Noémie 💚
You need to check your car insurance! 4000 is not normal even as a new driver !!!
I would like to be credit card free. I think the envelope system would help be keep track of my money
amazing!! 💖
I miss you. I hope you didnt have too much trouble during the ice storm.
Thank you!! I am very lucky I didn't lose power or anything, but did see so many broken trees which is sad :( Hope you are OK too!! xo
Hi zoe
One goal for this year is paying 20K towards my car. It’s about 40K and I want to refinance it but want to pay off half of it first 💕❤
wow this is awesome!! good luck!
One of my financial goals this year is to build up my emergency fund to $6000. A great video as always.💜 From Perth Australia 🇦🇺
love this!! & thank you 💚
My financial goal is to pay down at least c $15,000 off debt in 2023!
So proud of you and loved this video! I’m so glad to see you thriving! My biggest goals this year was to buy a house, and I just did it last week and put 20% down payment 🥳 Just feeling really excited and proud 🥲
woaaaah! this is amazing 😍 so happy for you 💚💚💚💚💚
I don't budget, I did when I was a kid
my goal is to save 20k to renew the kitchen in our new appartment and save enough for the electric equipments for the appartment
amazing!! good luck 💚
goal: create a good balance between my saving, and spending habits! i would love to reach my saving goal of $15,000 (to put towards a down payment on a home)!✨💛
love this!! got got it 💚💚
Trying to pay off my last bit of debt. We took our bonuses and made some big dents.
Your insurance is nuts. Sorry... I hope it comes down soon and shop around.
amazing!! 💚
New audio?
yes! new mic :)
over-arching goal for the year: $10K in savings
emergency fund goal: $15K by end of next year
sinking fun goal: varies, but want a threshold of $5K I don't go below
by 30, I want $50K in savings (split across emergency fund, sinking funds/fun savings)
currently at $7.8K and I started with $500 in my savings account at the beginning of this year lmfao
youre killing it!!!
My current financial goal is to save 1000 a month
amazing!!!!