Starting my career in IT next month as a spender with student debt. Your videos are very inspiring and I feel more confident to start my ✨financially responsible✨ girly journey without having to live as a monk! Thank you Gabby, from The Netherlands
Thank you, Gabby I am a new subscriber all the way from the Philippines, and your content has impacted me so much in terms of managing my own finances. Your content is being heard in Asia, and I want you to know I am your fan.
Hi, are you sure that the RRSP is equivalent to a Roth IRA and the TFSA equivalent to a 401(k)? Other sources seem to claim that the RRSP is equivalent to a 401(k) and TFSA equivalent to a Roth IRA. Anyway, nice video and congratulations to you for being debt free and on your way to financial independence. Well done!
loved the video! the details were super helpful. thanks to this video, i finally figured out the set up for auto depositing in you WS cash account lol 😅
I enjoy your videos; they encourage me to sort out my finances. I've got your tracker :) I would love it if you could look directly into the lens and not slightly off. I know it's hard, but I think your videos would benefit :)
Thank you so much! Ahh I know it’s something I’m trying to remember to do but feels so bizarre on my phone! I will do my best to remind myself constantly.
Hi Gabby, I love your videos and I have been using your spreadsheet for the past four months and I love how detail it is. I have a question regarding the sinking funds I save my money in one account like you do but my question is for example there are some months were I take money from my sinking funds but it doesnt reflect in my savings sheet or anywhere else. Let me know how I can keep a track of the updated amount in my sinking funds. Thank you
Hello :) thank you so much for buying the spreadsheet!! So glad you are enjoying. Yes this is a common question I get, a bit of an oversight that I didnt add the savings into the money in/ money out drop downs! But what I have been doing is deducting the amount I take out from the values in the Savings sheet. You can click into the formula at the top of the page, it will prompt you with a warning that you are editing, and then subtract off the value or click the cell in your expense tracker with the amount you took out. It's a bit more manual but it keeps it correct at least.
Yay welcome to the fam! You are in luck, I just did a credit card video on my channel. But the short of it is I like the AMEX Cobalt better unless you get a great sign up bonus for the Gold AMEX. I got a bunch of points when I signed up.
Hi Gabby, lovee your videos!! do you have a networth tracker? I have had a look at your etsy shop and only see the budget trackers. Would be so great if you had one similar to the monthly design :)
Hi Gabby. I love everything finance, and my wife is the natural spender who doesn’t necessarily enjoy the process of budgeting. Do have any advice/tips to help increase her involvement with our finances? Ty -Al
@@-SSMD- I feel her! I am a natural spender as well. What worked for me was finding a way to make finances fun and relaxing. Using a visually appealing budget tracker and finding other financially aware females online also helped a ton! I love Ramit Sehti’s perspective on money, he’s all about living a rich life where there is room for fun spending as long as you’re investing/ saving as well. His podcast may be helpful, he regularly talks to couples and helps them get aligned on finances. Maybe sharing some of these medias with your wife can help ignite some interest! Hope that helps 😊
Instead of pulling money from your emergency fund to pay off your credit card, why not throw what you can’t pay off onto a line of credit and then pay off the line of credit the next time you get paid?
That's an option! Especially if you can get a 0% line of credit. But I have a fully funded emergency fund and sinking funds so I don't feel that I am at any risk by paying off with cash. Plus I wonder if I would run up that line of credit because mentally it feels like low risk debt.
@@GabbyPeterson17Wait, do 0% LOCs really exist lol? Who offers these? But definitely your concern of potentially running up an LOC is valid. Doesn’t make sense if one knows they’re bad with managing credit products.
@@notNaB2024 this is just what works for me! I am a spender and tend to minimize how much I am spending without totaling it all up. I’ve tried to step back from the spreadsheet and just found I was constantly feeling anxiety around money. This process is something I truly enjoy doing 😊
![SAFEPLANET - ดาวเคราะห์ [ THE PLANET ]](http://i.ytimg.com/vi/4X1XL3I_k3c/mqdefault.jpg)
Thanks to some commenters, I now realize I mixed up the Roth IRA and 401K accounts! 😂🫣 Should be the reverse. I apologize for the confusion!
This was so in depth, it was super informative - thanks Gabby!! Love how transparent you are, and I get such value from your content. Thank you 💖💖
Yay, so glad you found it informative Kate!! 💗 Happy to help in some way
Starting my career in IT next month as a spender with student debt. Your videos are very inspiring and I feel more confident to start my ✨financially responsible✨ girly journey without having to live as a monk! Thank you Gabby, from The Netherlands
I didn't realize you were Canadian! Since I'm also Canadian I am glad I found your account, since a lot of the different factors will be similar
I am!! Proud Canadian!! 🇨🇦🍁 I love finding other Canadian creators so I totally get you!!
These videos have made my financial journey so much more fun and girly 💕 I love your content!
I love this!! That's so true, I love this content for the same reason. You gotta romanticize finances!!
Same!!
You are one smart and responsible women. I like that. Keep it up!
Can you maybe do like how to set one up from scratch for an average person?
@@emoshoes333 that’s a good idea! I can add it to my list of video ideas :)
I love your videos so much 💗
Yay! So glad you enjoy them 💖
Thank you, Gabby I am a new subscriber all the way from the Philippines, and your content has impacted me so much in terms of managing my own finances. Your content is being heard in Asia, and I want you to know I am your fan.
That is so cool to hear!! Hello to the Phillippines 🫶🏼 lots of love.
The cat ♥️
Very good gab keep up the hustle save & invest as much as u can never know when a rainy day will come 👍
Thank you so much!! Thats the plan :)
Hi, are you sure that the RRSP is equivalent to a Roth IRA and the TFSA equivalent to a 401(k)? Other sources seem to claim that the RRSP is equivalent to a 401(k) and TFSA equivalent to a Roth IRA. Anyway, nice video and congratulations to you for being debt free and on your way to financial independence. Well done!
I was going to comment as well. It is the other way around. TFSA = Roth and RRSP = 401k
@@joenathan5072 omg you are right!!! I always mix them up 🫣 thank you for the correction!!
New subbie here :) ❤ great info
loved the video! the details were super helpful. thanks to this video, i finally figured out the set up for auto depositing in you WS cash account lol 😅
So glad you found it helpful!! hahah that's awesome! I'm glad you figured it out. The automation are my fav part.
I enjoy your videos; they encourage me to sort out my finances. I've got your tracker :) I would love it if you could look directly into the lens and not slightly off. I know it's hard, but I think your videos would benefit :)
Thank you so much! Ahh I know it’s something I’m trying to remember to do but feels so bizarre on my phone! I will do my best to remind myself constantly.
Hi Gabby, I love your videos and I have been using your spreadsheet for the past four months and I love how detail it is. I have a question regarding the sinking funds I save my money in one account like you do but my question is for example there are some months were I take money from my sinking funds but it doesnt reflect in my savings sheet or anywhere else. Let me know how I can keep a track of the updated amount in my sinking funds. Thank you
Hello :) thank you so much for buying the spreadsheet!! So glad you are enjoying. Yes this is a common question I get, a bit of an oversight that I didnt add the savings into the money in/ money out drop downs! But what I have been doing is deducting the amount I take out from the values in the Savings sheet. You can click into the formula at the top of the page, it will prompt you with a warning that you are editing, and then subtract off the value or click the cell in your expense tracker with the amount you took out. It's a bit more manual but it keeps it correct at least.
Love the video, and just subscribed. I wanted to get your opinion on what credit card is better in Canada between Colbat or Gold Amex?
Yay welcome to the fam! You are in luck, I just did a credit card video on my channel. But the short of it is I like the AMEX Cobalt better unless you get a great sign up bonus for the Gold AMEX. I got a bunch of points when I signed up.
yay! Love these type of videos. Helps keep me in check with my own finances too 🫶🏼
So glad to hear it!! 💗 Thanks Christine. Look at us go, financial queens.
Hi Gabby, lovee your videos!! do you have a networth tracker? I have had a look at your etsy shop and only see the budget trackers. Would be so great if you had one similar to the monthly design :)
@@hhmh1238 aw that’s so great to hear!! I don’t currently, but that’s a great idea for a product! I will note that down.
I hope you also have Tenant Insurance for your condo. You didn’t mention that but I’m assuming you do.
I do!! We pay it annually and I just paid it in August so I dont have to worry about it for another year almost :)
NICE VID BRO
THANKS BROSKI!! 🫶🏼
Your rent is soooo affordable 😻😻
I know right! Staying put in a rent-controlled city helps a lot
2200$ a month for one room?
Hi Gabby, are the amounts you are referring to in CAD or USD? 😊
These are all in CAD!
Hi Gabby. I love everything finance, and my wife is the natural spender who doesn’t necessarily enjoy the process of budgeting. Do have any advice/tips to help increase her involvement with our finances? Ty
-Al
@@-SSMD- I feel her! I am a natural spender as well. What worked for me was finding a way to make finances fun and relaxing. Using a visually appealing budget tracker and finding other financially aware females online also helped a ton! I love Ramit Sehti’s perspective on money, he’s all about living a rich life where there is room for fun spending as long as you’re investing/ saving as well. His podcast may be helpful, he regularly talks to couples and helps them get aligned on finances. Maybe sharing some of these medias with your wife can help ignite some interest! Hope that helps 😊
Is the tracker you sell on Etsy mobile friendly ?
Hello! It is a google sheet document so you can access on browser, or on the google sheets app on mobile/ ipad.
I thought Canada taxes unrealized gains investments at 45% every year
I don't think this is true/ applies to me. This may be a value for when someone dies/ leaves the country they tax the unrealized gains at that rate.
amazing. What do you do for work? if you don't mind me asking.
@@sabahatnaheed1435 I am an engineer! 🫶🏼
What camera do you use?
I film on my iPhone 15 pro!! I have DJI mics that I use to improve the audio
What do you do for your 9-5 job? Thanks
Hello :) I am an engineer!!
Instead of pulling money from your emergency fund to pay off your credit card, why not throw what you can’t pay off onto a line of credit and then pay off the line of credit the next time you get paid?
That's an option! Especially if you can get a 0% line of credit. But I have a fully funded emergency fund and sinking funds so I don't feel that I am at any risk by paying off with cash. Plus I wonder if I would run up that line of credit because mentally it feels like low risk debt.
@@GabbyPeterson17Wait, do 0% LOCs really exist lol? Who offers these?
But definitely your concern of potentially running up an LOC is valid. Doesn’t make sense if one knows they’re bad with managing credit products.
Are you related, in any way, to professor JBP?
I see some facial similarities and JBP is also from Canada 😅
@@enrique-zarate4594 I am not!! Or as far as I am aware 😂 That’s interesting tho!!
are you on blossom??
I just had to google Blossom 😂 so no I am not!
Automate your finances, stop living in the spread sheets, and start enjoying your life.
@@notNaB2024 this is just what works for me! I am a spender and tend to minimize how much I am spending without totaling it all up. I’ve tried to step back from the spreadsheet and just found I was constantly feeling anxiety around money. This process is something I truly enjoy doing 😊
Talk to us not the camera screen
Ruuuude.
I found that to weird too 😂
Apologies! I film on my phone and it seems so bizarre to talk to the tiny camera on the top of the phone. I will remind myself to look that way.
@@GabbyPeterson17 well get it right next time or get MUZZLED
@@GabbyPeterson17love how you was receptive to feedback instead of getting offended ❤