I love your method for impulse spending. Mine is similar- I have a running wishlist in Google sheets where I link the item, the price, the reason why I want it. It helps so much while shopping sales/ second hand to keep focused and sometime I just get over novelty of the item and forgo buying
I've talked about this many times and it's just a personal preference and what I choose to spend my money on. Our library system is great here in Ottawa but the wait times are terribly long, usually months for any new release. I'm also a HUGE germaphobe and the idea of reading a book that many others have touched really freaks me out. So if that means buying my own books then so be it. I also buy about 90% of my books used, for example I bought 12 books this month and spent less than $25 on all of them. I also only buy new books if it's an author I really love or a book I know I will enjoy! I genuinely enjoy building my own little home library and it's what I choose to spend my money on. I find as a society we don't criticize those who spend money on expensive makeup at Sephora but when it comes to books everyone thinks we need to use the library. I think we all have those areas that we enjoy spending money on and mine is books! Not clothes, not makeup, not getting my nails done. Hopefully this makes sense!
@@stefflores totally fair!! Me going on a book ban wasn't for money reasons but to catch up on my physical TBR! I've decided banning things and restricting just doesnt work for me😂
i also have a bad habit of making myself feel guilty whenever i want to spend $ on something. it's a mindset i need to work on and allow myself to spend money as long as i am not OVERspending
We have the same impulse spending and book ban set - you are doing fine with your finances -you know if you fall off the path, just dust yourself off and try again to reach your goals. Oh love your bookshelf - you definitely find me in there reading :)
I'm with you on investing vs paying off low interest debt. Facing a similar decision with my new car. I've been debt free up until this point, but I'll be getting a loan for this reason. Loving your financial content ✨
Totally agree about the westjet credit card...just not worth it. Honestly brutal that it doesn't even get you free checked bags or seat selection, and the points take forever to add up! Also had the same experience with their customer service. Overall just want to voice that I def don't recommend it either!
I'm sure there are tons of videos out there that would be more helpful hahaha! I just went in and knew what I wanted since I was trading in my car & stood my ground! But happy to answer any specific Q's!
For me, the individual lightning lane was worth it for Animal Kingdom’s Flight of Passage ride. Other than that, I wouldn’t waste the money on buying genie plus there. It was SOOO worth it at Magic Kingdom!! I can’t wait for the vids coming soon and seeing you pack for it. It’ll be so exciting. ✨ Also, I’d love to see the different streams of income/credit cards. I used to work in banking, and I always think that type of information isn’t taught anymore. It would be very informative!
Hi Carter hope your well,I spend most of my money on tech,really need to cut back a bit though,as things like food,heating your home and petrol is getting sky high here in the uk,love the videos.
I need to open a credit card here in the USA. I just graduated college and have great credit but need my own card now.. does anyone have good beginner card recs?:)
I usually don’t comment but I hope maybe you’ll see this. One time I called my insurance company and just asked if my rate could be lowered because I’ve had it for five years and only one speeding ticket but the price only got higher each year and vehicle, and they actually brought the price down when I asked!! But I’m not sure how it would work cause of the accidents on your records but definitely worth a try
Thanks for this! Trust me I have tried everything possible & been very proactive when it comes to my car insurance. I've shopped around as much as I can & done everything to lower it! It's just the way it is sadly
I constantly hear people talking about investing their money but I literally have no idea where to start. My brain immediately goes to stocks but I feel like I'm missing something. Would you consider a video on your investing basics?
I have considered but I just don't find myself knowledgeable enough on it to. film a video on it! If you're in Canada, Steph & Den are a great financial channel and they have lots of investing videos for beginners! Investing is quite different between Canada/USA FYI not sure where you live but the accounts and names are different!
Hey! Carter you are my favourite youtuber and I really enjoyed watching your vlogs so so much you’re looking too gorgeous and I wish you reach 50K Subscribers very very soon!🙈😍💕🌸🥰💞💓
I already contribute to my pension and TFSA ☺️ Right now my #1 priority is home renovations & once we are past that I will dump as much money into my retirement accounts as I can! But I am contributing a decent amount to them, I just don't say it in every video because it gets repetitive!
We do a contribution to crypto and S&P500. We keep the money amount the same every month (they call this dollar cost averaging). This way you’re investing as the market is fluctuating both good and bad, you’re always investing, and over time it continues to have compound interest. With crypto taking off, it’s of course hard to know how to distribute that as the market shifts but we just do 50/50 on those. Our primary before we did this was dump EVERY penny into debt free (mortgage) and would pay like THOUSANDS more as much as we could.
I love your method for impulse spending. Mine is similar- I have a running wishlist in Google sheets where I link the item, the price, the reason why I want it. It helps so much while shopping sales/ second hand to keep focused and sometime I just get over novelty of the item and forgo buying
Yes I love this idea! Helps save so much money & half the time I realize I didn't actually need it, just wanted it in the moment!
Loving all these finance related videos from you Carter!! its so fun to do my planning while listening to your videos! :)
That's my goal!!! Having these vids on in the background while you're getting stuff done 🥰
@@CarterSullivan 😃😃😃
Why not use the library? That's mostly how I read my books and I only buy anything I can't get at the library but really want to read.
I've talked about this many times and it's just a personal preference and what I choose to spend my money on. Our library system is great here in Ottawa but the wait times are terribly long, usually months for any new release. I'm also a HUGE germaphobe and the idea of reading a book that many others have touched really freaks me out. So if that means buying my own books then so be it. I also buy about 90% of my books used, for example I bought 12 books this month and spent less than $25 on all of them. I also only buy new books if it's an author I really love or a book I know I will enjoy! I genuinely enjoy building my own little home library and it's what I choose to spend my money on. I find as a society we don't criticize those who spend money on expensive makeup at Sephora but when it comes to books everyone thinks we need to use the library. I think we all have those areas that we enjoy spending money on and mine is books! Not clothes, not makeup, not getting my nails done. Hopefully this makes sense!
@@CarterSullivan Yeah, wasn't judging what you spend your money on. Just making a suggestion since you talked about being on a book ban.
@@stefflores totally fair!! Me going on a book ban wasn't for money reasons but to catch up on my physical TBR! I've decided banning things and restricting just doesnt work for me😂
Just stumbled upon your channel and you’re inspiring! Thank you for freely talking about money!!!
Welcome Natalie!!! 🤍✨
Love your finance content, it’s so transparent & I relate to you so much!
Thank you so much!!
i also have a bad habit of making myself feel guilty whenever i want to spend $ on something. it's a mindset i need to work on and allow myself to spend money as long as i am not OVERspending
I agree!! I'm working on exactly this!!
Your videos are so inspiring to me! I love all your budget and monthly reset videos!
I'm so glad! Thank you so much for watching & supporting me Erandy!
We have the same impulse spending and book ban set - you are doing fine with your finances -you know if you fall off the path, just dust yourself off and try again to reach your goals. Oh love your bookshelf - you definitely find me in there reading :)
Exactly! I don't like to look at it as falling off the path, all comes down to the abundance vs scarcity mindset!
I totally would love to see a breakdown of your accounts . I am wondering if I have too many credit cards 😩
Yes coming soon!!! Maybe a bonus video next week when we're on vacation!! TBH I have like 5 credit cards and should probably close a few hahah
I really like the idea of tying “wants” to financial milestones. I think I’ll try it!
It might not work for everyone but it worked really well for me since I'm an "item motivated" person tbh😂
I'm with you on investing vs paying off low interest debt. Facing a similar decision with my new car. I've been debt free up until this point, but I'll be getting a loan for this reason. Loving your financial content ✨
Totally agree about the westjet credit card...just not worth it. Honestly brutal that it doesn't even get you free checked bags or seat selection, and the points take forever to add up! Also had the same experience with their customer service. Overall just want to voice that I def don't recommend it either!
The Elite Mastercard does give you free checked bags FYI- not sure if you just have the WestJet or WestJet elite!
I think focusing on your sinking funds first makes a lot of sense! Especially if your car loan is
I'm honestly in no rush to pay off my car! Would rather put that money into my TFSA and have it work for me!
love the talk/tips on impulse spending!!
I could do a whole video on it tbh & I might!!!
yes please!! 🤩
How did you get to a point where you feel comfortable sharing your finances publicly? 💕✨
I just did it! There was no one who was transparent about finances in your 20s and I wanted to be that person! So I just went for it!!
Yes, I agree with what you said there. If your car's interest rate is low, put the extra money in your TFSA and invest it.
Goes for anything! Student loans etc if the interest is low make that money work for you instead!!!
Would love to see the break down!!
I'm going to film it when we are back from our trip! ♥️🏰
loved this video! YESSS to the income streams video!! :)
Yay! Thank you! Coming soon!!!!
Not sure if you already did this, but I'd be interested in a video on the car purchase in terms of financing it.
I'm sure there are tons of videos out there that would be more helpful hahaha! I just went in and knew what I wanted since I was trading in my car & stood my ground! But happy to answer any specific Q's!
For me, the individual lightning lane was worth it for Animal Kingdom’s Flight of Passage ride. Other than that, I wouldn’t waste the money on buying genie plus there. It was SOOO worth it at Magic Kingdom!! I can’t wait for the vids coming soon and seeing you pack for it. It’ll be so exciting. ✨
Also, I’d love to see the different streams of income/credit cards. I used to work in banking, and I always think that type of information isn’t taught anymore. It would be very informative!
Good to know! I have an action plan for AK so don't think we'll be doing LL or Genie Plus for it but who knows!
Can’t wait for the Disney trip vids!!
OMG YOU AND I BOTH
What do you and Matt want to renovate after the kitchen?
The bathrooms & second floor flooring! But that will be a 2023 project!
Hi Carter hope your well,I spend most of my money on tech,really need to cut back a bit though,as things like food,heating your home and petrol is getting sky high here in the uk,love the videos.
Yes gas is pricey here as well right now!!! Hope you're doing well☺️
I need to open a credit card here in the USA. I just graduated college and have great credit but need my own card now.. does anyone have good beginner card recs?:)
Hopefully someone can give you some good recs!!!
Graham Stephen just put out a video on how to build credit for free with credit cards.
I usually don’t comment but I hope maybe you’ll see this. One time I called my insurance company and just asked if my rate could be lowered because I’ve had it for five years and only one speeding ticket but the price only got higher each year and vehicle, and they actually brought the price down when I asked!!
But I’m not sure how it would work cause of the accidents on your records but definitely worth a try
Thanks for this! Trust me I have tried everything possible & been very proactive when it comes to my car insurance. I've shopped around as much as I can & done everything to lower it! It's just the way it is sadly
I constantly hear people talking about investing their money but I literally have no idea where to start. My brain immediately goes to stocks but I feel like I'm missing something. Would you consider a video on your investing basics?
I have considered but I just don't find myself knowledgeable enough on it to. film a video on it! If you're in Canada, Steph & Den are a great financial channel and they have lots of investing videos for beginners! Investing is quite different between Canada/USA FYI not sure where you live but the accounts and names are different!
yaaaas, been waiting for this x love you, Carter
Love you Maria!!!
amazing video!!
Thank you!!
Intro was soothing lol
Love me a good soothing intro hahah
Couldn't love your content more if I tried. THE MUG !!! x
You're so sweet🥺🤍
Yes! To the video recommendation!
🥰🥰
I feel that EXACT same way about the 10k thing….
Glad I'm not alone!
Hey! Carter you are my favourite youtuber and I really enjoyed watching your vlogs so so much you’re looking too gorgeous and I wish you reach 50K Subscribers very very soon!🙈😍💕🌸🥰💞💓
Thank you so much!!
Max out your retirement accounts. You have the money and that’s probably the best thing you can do for your future.
I already contribute to my pension and TFSA ☺️ Right now my #1 priority is home renovations & once we are past that I will dump as much money into my retirement accounts as I can! But I am contributing a decent amount to them, I just don't say it in every video because it gets repetitive!
@@CarterSullivan yay! I’m two years younger than you and that’s my goal too once I have a real salary.
very good
Thanks!
We do a contribution to crypto and S&P500. We keep the money amount the same every month (they call this dollar cost averaging). This way you’re investing as the market is fluctuating both good and bad, you’re always investing, and over time it continues to have compound interest. With crypto taking off, it’s of course hard to know how to distribute that as the market shifts but we just do 50/50 on those. Our primary before we did this was dump EVERY penny into debt free (mortgage) and would pay like THOUSANDS more as much as we could.
Love that for you! Defs not super comfortable investing into crypto yet but Matt does & he does most of out investing!