I just paid off my discover credit card debt!!! Budgeting helped me so so much!!!! It took me 4 months but I finally did it! Paying off high numbers each month hurt my soul but now I have a weight lifter off my shoulders!!!!!!!!!!!!!🥳🙏🏽😭🙏🏽
Hi Selena, loved the video like always. I swear student loans are the worst kind of debt along side credit card debt but your on the right track to paying it off! I use to pick up extra shifts at work back then to bring in some extra cash along with using my online income to pay off my student loan faster (just like what your doing). Wishing you the best with everything specially with paying off your student loans, once there payed off it’s feels like a huge weight off your shoulders. I swear I can breath better ever since I paid mine off 😂. Edit** My main goals for March is to start Exercising more and bring in more income (saving for a house).
hi kyra, thank you ❤️ oh girl… it’s a whole struggle. I’ve wanted to save up for a car forever but I can’t allow myself to do that until my student loans are paid for or atleast 70% paid off. It’s definitely a hustle, appreciate you! Def gotta use some of your money saving tips Bc I truly spend so much money on food hahahah
@@SelenaTrevino Oh yes I feel you on that. Your already so smart with budgeting! I can definitely see you getting a car soon. Haha yea I always cook at home since it’s way cheaper, don’t get me wrong though there’s some nights I want a break from cooking lol. When we do eat out I normally will choose a restaurant that has a cheaper menu such as Thai, Indian etc. That way we can still enjoy an outside meal once and awhile and not break the bank. Thank you Selena 🤍🤍 you got this☺️.
You got this, those student loans will poof goodbye 🥳🥳 Also that cleaning moment was so satisfying 🤪 love how you’re incorporating your iPad in resets too, always feeling inspired and I see those new editing moments😍❤️🔥
thank you bb ❤️ yesss i definitely want to keep things as digital as possible Bc I really want to keep the clutter to a minimum. More like bringing back old editing moments 😅 if you watched my Chloe ting challenge i used to do edits like this. I feel like I played with editing a lot more before and want to bring some of that back 🥰
I definitely need to start budgeting my money!! This has given me a lot of inspo to get it sorted - it’s so important because I feel like every month I’m just living from pay-check to pay-check!
Yes girl! I’ve always used the mint app to track my spending. But taking the time to really reflect on last months spending and budgeting the next month helps so much with financial intentionality! You got this ❤️
So excited for you to see your subscribers go up and your student loan go down. Good stuff. March is my birthday + both sisters, 2 nieces, cousin, and 2 high school friends. Last weekend I went to the Biltmore with my high school friends. This week is spring break (I’m an ESL teacher), so my son and I are going to complete our goal of seeing all 56 Tennessee state parks (just 5 to go - he’s a high school senior so perfect timing). Then the next weekend I’m going back to the mountains to celebrate March birthdays with the family. March is a really good month. I will have to work on spending in April, lol. Like you said, though, each month is different. Hope your March is fabulous, too. ❤️😀
thank you so much ali, speaking it into existence🥰 wow that sounds like a lot of fun! also, I love that you teach ESL. I haven't been in that since 1st grade, hahaha. I can barely remember it. March sounds like a really fun month for you, I love that! Thank you, sending you love, I hope you have the BEST time
This video is just 😌😌 definitely needed the inspo and motivation. Also, I’ve been using the Mint app for the last few years and it really is amazing for tracking your financials! Thank you so much for your transparency in these videos! You’re helping a lot of people 😊✨
Yes! I’ve been using them for years too! Just recently decided to get more serious about my monthly budget! I always used mint to have an overal idea of what was going on in ny accounts, but now I actually analyze and reflect and it makes all the difference☺️
I am so nosey about these kinds of stuff, really enjoyedthe video and I like that you update your goals basedon your life and do not restrict yourself too much. Saving money and being active is important but mental health and living happy life is more important imo. For me for example the gas prices are sooo high that I decided to not use my car on everyday bases (it is expensive and also makes me sooo lazy) and I bought a half year public transport ticket. I have not really used public transport consistently since I was in high school and I actually quite enjoy the experience haha will worn out but this is a way for me to save because the hlaf year ticket costs about as much as one and a half full tank now so there is no questions about it. And besides the weather is getting nice so I will be spending more time inthe city and having drinks with friends and we have zero alcohol tolerance policy for driving so in summer I do not drive much anyway
hahaha so am I, but I think it's a good thing to learn and be open about, so it's a good thing. lol🤪 yes quality of life is sooo important! wow yes, affordable and accessible public transportation is something the US still needs to work a lot to improve! but that is so cool that you have the option☺️ sounds like it will work perfectly! Ah, I can't wait for better weather!!🥰
Of course! I truly don’t see a reason why income should be taboo. That’s very much baby boomer stigma haha I think if there was more transparency around income, we’d be able to decrease the wage gap more easily.
Love these monthly resets! Fixing my food budget seriously saved my budget and really helped me pay down debt and save. It was my number one most flexible expense so I realized it could really help if I could figure it out. I went from spending at least $80 a week eating out at work, on top of groceries, to now spending usually less than $75/week on groceries(including produce, dinners, fruit) and doing almost no eating out. I almost never even crave fast food anymore cause I know I can make it at home and the few times I do go out it's extra special. I started challenging myself to see what I could do with X amount of money each week and now it's just second nature. I'd highly recommend doing a challenge like that! Switching grocery stores, finding food vlogs and blogs, planning ahead and shopping based off what I already had were huge game changers and seriously helped my budget.
Yeah I hope to do that someday haha and I def commend you for it! That is super impressive (I definitely lived on a very tight food budget during college and, well my whole life, until recently)… with everything on my plate, I have to pick and choose where I’m willing to sacrifice spending in order to pay off debt… and well, food makes me happy. I don’t mind that it’s one of the larger spending sections In my monthly spending. Because to me, food/enjoying food with others is worth it! I do hope to one day reduce my food spending some… but also keep in mind that this was not 100% accurate. Like I mentioned in the video, often times I pay for myself and for my boyfriend then he will venmo me back either half the price or the whole cost. Though I definitely will try it as a challenge in the future for one of my “no spend weeks” and see how I feel about it! I’m always open to try out new things Bc you never know! Thanks for the suggestion, always appreciate hearing your experiences ❤️
@@SelenaTrevino oh I totally get it!(and did catch that was expense for both you guys! It definitely gets trickier figuring out budgetting stuff with more people). We all have that thing that's totally worth it for us to give more of our budget to. I think I'm actually still too frugal with money sometimes when I don't necessarily have to be anymore, it's like I'm still too scarred from all that time of having to be frugal and from growing up like that too! Budgeting was kinda like dieting to me...key was finding something that realistically would work long term. It'd be cool to hear about any no spend or challenges if you try 'em! Adding up everything like that is always so eye-opening, I love how you did your pie charts.
This was such a great video. Thank you for sharing. I love how transparent and open you are about the figures. It will be very helpful to people. I just recently started taking my budgeting seriously, as opposed to just having arbitrary goals and numbers in my head, and even just a few months in, the difference and the savings is incredible. There’s something about having the numbers on a page that makes it so solid and helps you keep to it (and budgeting also makes things flexible enough for every month’s different circumstances) I also love how realistic you are about your spending. One of the hardest parts of budgeting for me used to be estimating and allocating but after I started being realistic with myself about the numbers and deciding which parts of my lifestyle are priority and bring me joy (therefore deserving more than other parts), it’s been going so much smoother. For example, I very rarely ever eat out but I read A LOT so my book/reading related budget is high and my eating out budget is barely anything. My end of the month finance wrap up is now my favorite time of the month.
I definitely think financial transparency is hard - it requires a lot of vulnerability. But I think its necessary to make salaries not be so taboo to talk about. I think if we all openly shared, more women & ppl of color would ask for raises and the racial amd gender wage gap would likely decrease. Same here! I’ve always used mint to have an overview, birds eye view of my expenses. It wasn’t until the last few months that I’ve decided to get serious with tracking and, honestly? It makes a world of a difference! I’m so glad you e had a positive experience with it as well!🤍✨
First time watching one of your videos (also popped over to a few vlogs after watching this). Now I'm subscribed and excited to watch more of your videos :)
I recently found your channel and I love your whole aesthetic. I am currently a third year economic student with a math minor and it's so nice seeing underrepresented women in the field of economics!
Thank you Debby ❤️ yes girl, get it!!👏🏽👏🏽 yes economics is def underrepresented. But I will say; women of color can truly pursue any career and ultimately pave the way since most careers that require college degrees are all underrepresented, unfortunately. (Besides maybe teaching and nursing)
Good morning happy Friday morning and I just wanted to say that your reset vlogs is amazing and you are amazing productive and you are sweetheart and I loved your longer vlogs yes you are amazing
thank you so much 🤍 yes debt free journey is right!! That’s the goal, and I’m excited to share, and hopefully, motivate others to tackle their student debt! It can definitely be anxiety-inducing.
Hi Selena! Love your channel! The breakdown helps so much, I also have student loans and honestly, it’s hard keeping track of finances so I really appreciate this. Keep being you ✨
Hi, Selena! I'm a new subscriber for I think abt two weeks already and I am really enjoying your vlogs (yes, binge watching), especially the productivity vlogs. I hope you can share the file for your 2022 Budget and Goals so that we can do it too. 😊
Hey Selena! Gonna follow you on good reads :) I’ve had the app forever and need to get back on it! 📚 If you don’t already have one would you mind doing a tutorial video on how you set up your budget and goals google sheets? 🙂
Oh yay :) I’ll need to be better about updating it too! Haha I linked the Google sheets creator in the description! I pretty much used her template and then made it my own :)
How does adsense work when a viewer has TH-cam premium? Do you still get adsense money from when I watch? I watch all of your vids so I'm hoping it still gives you money lol
Aww it’s ok, I explain the main points and show graphs! The main thing is to try and do yours while I do mine. I linked the TH-cam video where I got my spreadsheet inspo so you can make yours ❤️ you got this!
hey friends! UPDATE: my budget template & goals tracker template is up for sale: www.selenatrevino.com/shop ✨💗
I just paid off my discover credit card debt!!! Budgeting helped me so so much!!!! It took me 4 months but I finally did it! Paying off high numbers each month hurt my soul but now I have a weight lifter off my shoulders!!!!!!!!!!!!!🥳🙏🏽😭🙏🏽
Congratulations l! That must feel amazing! Yay to paying off debt 👏🏽👏🏽❤️
Hi Selena, loved the video like always. I swear student loans are the worst kind of debt along side credit card debt but your on the right track to paying it off! I use to pick up extra shifts at work back then to bring in some extra cash along with using my online income to pay off my student loan faster (just like what your doing). Wishing you the best with everything specially with paying off your student loans, once there payed off it’s feels like a huge weight off your shoulders. I swear I can breath better ever since I paid mine off 😂.
Edit** My main goals for March is to start Exercising more and bring in more income (saving for a house).
hi kyra, thank you ❤️ oh girl… it’s a whole struggle. I’ve wanted to save up for a car forever but I can’t allow myself to do that until my student loans are paid for or atleast 70% paid off. It’s definitely a hustle, appreciate you! Def gotta use some of your money saving tips Bc I truly spend so much money on food hahahah
edit**: also good luck in saving for a house, how exciting!!
@@SelenaTrevino Oh yes I feel you on that. Your already so smart with budgeting! I can definitely see you getting a car soon. Haha yea I always cook at home since it’s way cheaper, don’t get me wrong though there’s some nights I want a break from cooking lol. When we do eat out I normally will choose a restaurant that has a cheaper menu such as Thai, Indian etc. That way we can still enjoy an outside meal once and awhile and not break the bank. Thank you Selena 🤍🤍 you got this☺️.
Premarital counselinggggg 😍😍😍😍😍
ooh girrrrrl💕🤪
You got this, those student loans will poof goodbye 🥳🥳 Also that cleaning moment was so satisfying 🤪 love how you’re incorporating your iPad in resets too, always feeling inspired and I see those new editing moments😍❤️🔥
thank you bb ❤️ yesss i definitely want to keep things as digital as possible Bc I really want to keep the clutter to a minimum. More like bringing back old editing moments 😅 if you watched my Chloe ting challenge i used to do edits like this. I feel like I played with editing a lot more before and want to bring some of that back 🥰
I definitely need to start budgeting my money!! This has given me a lot of inspo to get it sorted - it’s so important because I feel like every month I’m just living from pay-check to pay-check!
Yes girl! I’ve always used the mint app to track my spending. But taking the time to really reflect on last months spending and budgeting the next month helps so much with financial intentionality! You got this ❤️
So excited for you to see your subscribers go up and your student loan go down. Good stuff. March is my birthday + both sisters, 2 nieces, cousin, and 2 high school friends. Last weekend I went to the Biltmore with my high school friends. This week is spring break (I’m an ESL teacher), so my son and I are going to complete our goal of seeing all 56 Tennessee state parks (just 5 to go - he’s a high school senior so perfect timing). Then the next weekend I’m going back to the mountains to celebrate March birthdays with the family. March is a really good month. I will have to work on spending in April, lol. Like you said, though, each month is different. Hope your March is fabulous, too. ❤️😀
thank you so much ali, speaking it into existence🥰 wow that sounds like a lot of fun! also, I love that you teach ESL. I haven't been in that since 1st grade, hahaha. I can barely remember it. March sounds like a really fun month for you, I love that! Thank you, sending you love, I hope you have the BEST time
This video is just 😌😌 definitely needed the inspo and motivation. Also, I’ve been using the Mint app for the last few years and it really is amazing for tracking your financials! Thank you so much for your transparency in these videos! You’re helping a lot of people 😊✨
Yes! I’ve been using them for years too! Just recently decided to get more serious about my monthly budget! I always used mint to have an overal idea of what was going on in ny accounts, but now I actually analyze and reflect and it makes all the difference☺️
7:16 Can you share a (blank) copy of the Excel spreadsheet? This looks so beautiful !
Would love to try to use that
UPDATE: my budget template & goals tracker template is up for sale: www.selenatrevino.com/shop ✨💗
@@SelenaTrevino OMG thank you!! I assume once we buy it can be saved and used over and over for different months (the $5 one)?
I am so nosey about these kinds of stuff, really enjoyedthe video and I like that you update your goals basedon your life and do not restrict yourself too much. Saving money and being active is important but mental health and living happy life is more important imo. For me for example the gas prices are sooo high that I decided to not use my car on everyday bases (it is expensive and also makes me sooo lazy) and I bought a half year public transport ticket. I have not really used public transport consistently since I was in high school and I actually quite enjoy the experience haha will worn out but this is a way for me to save because the hlaf year ticket costs about as much as one and a half full tank now so there is no questions about it. And besides the weather is getting nice so I will be spending more time inthe city and having drinks with friends and we have zero alcohol tolerance policy for driving so in summer I do not drive much anyway
hahaha so am I, but I think it's a good thing to learn and be open about, so it's a good thing. lol🤪 yes quality of life is sooo important! wow yes, affordable and accessible public transportation is something the US still needs to work a lot to improve! but that is so cool that you have the option☺️ sounds like it will work perfectly! Ah, I can't wait for better weather!!🥰
I love this content and transparency from you! You have a real gift for editing/content production as well
Thank you so much, Rhiana 🤍
Love your financial transperancy in this ❤️❤️
Thank you! Appreciate your feedback, I love to learn what parts y’all enjoy most ❤️
I appreciate your transparency around numbers. Very helpful to see a real budget!
Of course! I truly don’t see a reason why income should be taboo. That’s very much baby boomer stigma haha I think if there was more transparency around income, we’d be able to decrease the wage gap more easily.
This month I want to spend less on Ubers and stop eating out and learn 5 new recipes to cook instead. Love how organized you are! ☕️
Oooh that’s a lot of goals! I’m cheering you on 👏🏽
Love these monthly resets! Fixing my food budget seriously saved my budget and really helped me pay down debt and save. It was my number one most flexible expense so I realized it could really help if I could figure it out. I went from spending at least $80 a week eating out at work, on top of groceries, to now spending usually less than $75/week on groceries(including produce, dinners, fruit) and doing almost no eating out. I almost never even crave fast food anymore cause I know I can make it at home and the few times I do go out it's extra special. I started challenging myself to see what I could do with X amount of money each week and now it's just second nature. I'd highly recommend doing a challenge like that! Switching grocery stores, finding food vlogs and blogs, planning ahead and shopping based off what I already had were huge game changers and seriously helped my budget.
Yeah I hope to do that someday haha and I def commend you for it! That is super impressive (I definitely lived on a very tight food budget during college and, well my whole life, until recently)… with everything on my plate, I have to pick and choose where I’m willing to sacrifice spending in order to pay off debt… and well, food makes me happy. I don’t mind that it’s one of the larger spending sections In my monthly spending. Because to me, food/enjoying food with others is worth it! I do hope to one day reduce my food spending some… but also keep in mind that this was not 100% accurate. Like I mentioned in the video, often times I pay for myself and for my boyfriend then he will venmo me back either half the price or the whole cost.
Though I definitely will try it as a challenge in the future for one of my “no spend weeks” and see how I feel about it! I’m always open to try out new things Bc you never know! Thanks for the suggestion, always appreciate hearing your experiences ❤️
@@SelenaTrevino oh I totally get it!(and did catch that was expense for both you guys! It definitely gets trickier figuring out budgetting stuff with more people). We all have that thing that's totally worth it for us to give more of our budget to. I think I'm actually still too frugal with money sometimes when I don't necessarily have to be anymore, it's like I'm still too scarred from all that time of having to be frugal and from growing up like that too! Budgeting was kinda like dieting to me...key was finding something that realistically would work long term. It'd be cool to hear about any no spend or challenges if you try 'em! Adding up everything like that is always so eye-opening, I love how you did your pie charts.
I’m new and a real one already 😍😍😍❤️💕 so blessed to have found your channel
yay! I’m so glad you’re here! Thanks for being a real one ❤️
Currently watching as I do my own monthly expenses & receipts 😌
yesss, I love that 👏🏽👏🏽
Just found you but I am loving you already 2 videos all in. Real one here lol.
ahh thank you Rubi ❤️ I’m so glad you’re here 🥺
Love these monthly reset videos! I just started watching these videos like videos plan with me/ reset videos from Shay Budgets.
Oooh I will def check her out! Love to see how different creators have implórela different ways of budgeting & resetting 🤍
This was such a great video. Thank you for sharing. I love how transparent and open you are about the figures. It will be very helpful to people.
I just recently started taking my budgeting seriously, as opposed to just having arbitrary goals and numbers in my head, and even just a few months in, the difference and the savings is incredible. There’s something about having the numbers on a page that makes it so solid and helps you keep to it (and budgeting also makes things flexible enough for every month’s different circumstances)
I also love how realistic you are about your spending. One of the hardest parts of budgeting for me used to be estimating and allocating but after I started being realistic with myself about the numbers and deciding which parts of my lifestyle are priority and bring me joy (therefore deserving more than other parts), it’s been going so much smoother. For example, I very rarely ever eat out but I read A LOT so my book/reading related budget is high and my eating out budget is barely anything. My end of the month finance wrap up is now my favorite time of the month.
I definitely think financial transparency is hard - it requires a lot of vulnerability. But I think its necessary to make salaries not be so taboo to talk about. I think if we all openly shared, more women & ppl of color would ask for raises and the racial amd gender wage gap would likely decrease.
Same here! I’ve always used mint to have an overview, birds eye view of my expenses. It wasn’t until the last few months that I’ve decided to get serious with tracking and, honestly? It makes a world of a difference! I’m so glad you e had a positive experience with it as well!🤍✨
First time watching one of your videos (also popped over to a few vlogs after watching this). Now I'm subscribed and excited to watch more of your videos :)
Hi Denali, nice to meet you!!🥰 so glad you decided to stick around!
I recently found your channel and I love your whole aesthetic. I am currently a third year economic student with a math minor and it's so nice seeing underrepresented women in the field of economics!
Thank you Debby ❤️ yes girl, get it!!👏🏽👏🏽 yes economics is def underrepresented. But I will say; women of color can truly pursue any career and ultimately pave the way since most careers that require college degrees are all underrepresented, unfortunately. (Besides maybe teaching and nursing)
Loved this video! My biggest goal rn is to get back into the gym and start getting stronger ❤️ love seeing how you budget!
thank you kate ❤️ you got this! I feel you, my relationship with the gym is truly a roller coaster! Hahah
Good morning happy Friday morning and I just wanted to say that your reset vlogs is amazing and you are amazing productive and you are sweetheart and I loved your longer vlogs yes you are amazing
Thanks Edward, have a great weekend!
Love your videos! So glad you are talking about budgeting now :) debt free journey
thank you so much 🤍 yes debt free journey is right!! That’s the goal, and I’m excited to share, and hopefully, motivate others to tackle their student debt! It can definitely be anxiety-inducing.
Hi Selena! Love your channel! The breakdown helps so much, I also have student loans and honestly, it’s hard keeping track of finances so I really appreciate this. Keep being you ✨
Thank you so much, summer! I’m so glad the breakdown is helpful and that you enjoyed the video ❤️ sending love!
Loved this video! I always watch to the end!
appreciate you 🥲❤️
i'm realizing i need a mental march reset now haha
mental health first, always🥰
Yay so excited for todays video!❤️❤️❤️
Yay! i hope you liked it!❤️
Hi, Selena! I'm a new subscriber for I think abt two weeks already and I am really enjoying your vlogs (yes, binge watching), especially the productivity vlogs. I hope you can share the file for your 2022 Budget and Goals so that we can do it too. 😊
welcome ❤️ yes, one day!
Hey Selena! Gonna follow you on good reads :) I’ve had the app forever and need to get back on it! 📚
If you don’t already have one would you mind doing a tutorial video on how you set up your budget and goals google sheets? 🙂
Oh yay :) I’ll need to be better about updating it too! Haha I linked the Google sheets creator in the description! I pretty much used her template and then made it my own :)
HERE FROM KYRA!!!!!
OMG WELCOME AMY ❤️
@@SelenaTrevino thanks now Im binge watching !
Do you have a template for you goal setting page on google sheets ?! I would love to set something similar for myself 🤩
I don’t 🥹 but it’s super easy to recreate!!
What program/template on your ipad do you use for your monthly reset to do?
I used good notes! They have a to do list template on the app ☺️
@@SelenaTrevino Awesome-thank you!
@@nicholefaulkner9010 you’re so welcome!
Wait premarital counseling??? Did I miss a chapter here? Lol
HAHHAA i talk about it in another vlog, nothing is wrong, it’s just counseling for couples to continue improved communication :)
Ok wait how did u make that spreadsheet tho
I believe I linked the video who inspired me in the description ❤️
@@SelenaTrevino thank u😇😇
I use Wealthfront for my Roth IRA. Plan on adding an account with them for traditional brokerage sometime this year as well!
Ooh yes I’ve heard only great things about them! I definitely want to open one sooner than later.
Can you share a copy of this goggle sheet to the public for use?
This is Bukolas budget spreadsheet!
How does adsense work when a viewer has TH-cam premium? Do you still get adsense money from when I watch? I watch all of your vids so I'm hoping it still gives you money lol
I’m pretty sure I still get Adsense from TH-cam premium, so don’t worry! And thank you so much for your support 🥺❤️
Is this template available?
Which one? The budget is based off of Bukolas budget template here on TH-cam! I will add her link to the description.
here is a link to her video: th-cam.com/video/Hqccf7o_bDU/w-d-xo.html
Thank you, that's what I was looking for!
@@carmenheidy626 of course! I’ll try to remember to link it in every reset moving forward 😅
Can’t see any of the actual numbers cause they are too small 😢
Aww it’s ok, I explain the main points and show graphs! The main thing is to try and do yours while I do mine. I linked the TH-cam video where I got my spreadsheet inspo so you can make yours ❤️ you got this!