This was great, thanks, been searching for "daily finance tips" for a while now, and I think this has helped. Ever heard of - Ferapt Freedom Fanboy - (just google it ) ? Ive heard some unbelievable things about it and my mate got amazing success with it.
Im 23, Im a lot more financially stable than most of my friends. I have lived on my own for years (since 18/19). I have learned a lot. How to cut costs etc. I am currently going back to college and am fully funding it myself. I work fulltime and have had to manage both. Very complicated. Rent for me is $1,400 which i pay myself. I make only about $2-3k a month in Ontario. I live off approx. $60 a week, for gas and food. Sometimes I use less than $60 sometimes more. My friends wouldnt describe me as stingy, if anything they are envious of how much im able to do with what I barely have. Its all about how you view it. Once you reach Financial Freedom, life just becomes a lot easier.
Wow a really good video, personal finance is mostly 80% behaviour and 20% knowledge. I always apply 50/30/20 budgeting pattern which has helped me greatly in saving and investing.
My Financial Setup 2020 1. I use separate saving accounts for each savings goal (short, mid and long) and ensure they earn some interest. 2. For events and things I know, I will spend I have sinking funds and save a little every month towards that fund. For example yearly subscriptions 3. For my monthly budgeting, I use "The Budget By Paycheck Workbook" by The Budget Mom... It is the center and CORE of my entire plan. You should check out her TH-cam channel. It will really help elevate the wonderful job you are doing with your Excel sheet 4. I use a combination of cash for variable spending and my checking account for fixed expenses.
I use a lot of cash, if I don’t physically have it on me, I feel like I can sometimes spend more than I should, so I like to limit myself and also making a budget. Budgets are great.
I'd love to see more on excel and budgeting! Loved this video, I definitely just spent 30 minutes playing with your excel documents! I'm a freelancer, so figuring out budgeting with fluctuating income has been intimidating for me. Thanks so much 💕
Caitlin! I LOVE this! You have your head on straight and will be successful. You know (and practice) more budgeting and savings habits than most 40+ year olds. I would love for you to share more and totally geek out on Excel😊
When I had a job, I found that I was keeping a closer track on my spending and saving. I didn't really have a system in place aside from using a financial app that showed me how much I was spending and automatically put money into my savings. Since losing that job, I stopped paying attention to the finances because it was becoming something that stressed me out on a daily basis. It still is. I really appreciate this video, it's been really helpful in reminding me the importance of financial health. That book is going straight to my wishlist ☺️
Still being college, I’ve been so scared about going into the real world and dealing with adult things. And I’m also studying to go into a field that will have fluctuating income because I’ll be a freelancer. This is definitely so helpful!
I can totally relate because I was definitely intimidated by all of the adulting 😅 over time though you start gaining confidence in it....just a matter of investing time into learning 🙌💕
I'm 26 and only just moved out of my parents house where I never had to pay rent or worry about food. I still had to pay bills etc and I cared for my dog. It's not as scary as I thought it was going to be because I was already fairly independent. The biggest thing for me is my impatience. I'm a very impulsive buyer and there are a few things that still need bought for the house. Trying to resist that urge or even when I'm food shopping, needing to restrain myself has been the biggest hurdle. I didn't realise how bad I was until I had no choice. Overall though I'm coping much better than I thought and getting advice on stuff like this is always useful.
Wow! Can you make a part 2? This is amazing. I was just talking to my hubbs about this because we have 3 different bank accounts and it’s stressful and crazy
I'm no longer in my 20s but this was a really thoughtful video, nicely done. I'm a big time money compartmentaliser too. Spending money always comes last. I do this more by feel but the spreadsheet you have is really clever. I also play mind tricks with myself by keeping a some extra reachable money in checking, e.g. I think of $400 as $0, if that makes sense. It creates a good buffer for unexpected expenses or occasional splurges without having to dip into savings.
Thank you so much for actually taking the time to show us step by step how you create your excel budget! So many of these budgeting videos are just commonsense tips where they briefly touch on the fact that they have a budget spreadsheet but don't show how they actually do it. For someone who is not computer savvy, this really helped!
Caitlin, this was a great video. Probably the most helpful, realistic budgeting video I've seen in my subscriptions yet. I'd LOVE to learn more about how you work everything into excel. If you could do a tutorial for us, that would be awesome!
Commenting before finishing the whole video. One tip for everyone: Compare and compete your electricity, insurance and phone/internet etc. companies often. Also, make sure to check your subscriptions on a regular basis. If you are paying for some service you don't even use, you might be as well flushing your money down the toilet every month. If you use netflix only during christmas holiday, get it only for december/january and then cancel it afterwards for the rest of the year. And so on :D
Separating out your money and giving it a job is such a game changer! Before I started budgeting I just spent money if there was something in my bank account, and so I had no idea where my money was going, and no way to plan for the future. Now I'm really into using YNAB which lets me allocate money into categories depending on what I want to spend it on. Then, when I go to buy something, I check my YNAB app to see how much I have in that category, rather than my bank balance. This is what keeps me on track and it's such an awesome feeling!
I absolutely love those Excel templates! I know my way around the functions but never really designed a file that would look neat and had all the cathegories covered, so thanks, will use this one from now on!
Currently don't have a very formal money management system aside from keeping up with the online banking and credit card statements. It's a little tricky to calculate some of my expenses bc I can't work full time as a student, so some of my expenses are paid for by my parents (and I know that I am very lucky for that). However, I have been slowly trying to be more intentional about this as I'm graduating soon and entering the job market, so this video helped out a lot. I find budgeting really intimidating because I don't quite know how exactly I want to track my purchases, but I really like the templates you've made and will be using them as a starting point.
If you don’t know how to create a budget in Numbers (apple version of excel) you can click the + and choose ”private economy” and there you will have lots of templates of budgets. I personally use the one called ”personal budget”. I’ve been using it since november and it’s been going great :)
“You can always afford to be bored’😂😂 sad but true 😂 this was a super helpful video, lately I’m struggling with my money management 🤨 sometimes its just hard to stop spending, kinda treat yourself and than serious regrets later 😫 really liked your excel idea, going to use that one once I figured out the formulas ☺️ thanks for the video ❤️
Loved this video! you should do similar videos because it think it’s really important to educate or at least create awareness among young people about their money.
I always use my credit card just so I get cash back but like you mentioned, I pay it right away and I only spend money that I have in my account. Also I have an app that goes with my banking app that automatically categorized your purchases and you can set a budget for each category
I use a credit card and I also use Excel for all your different bank accounts. I use sinking funds for pretty much everything. Sinking funds traditionally are mini savings accounts that are used for infrequent or expenses you don't know the exact amount. So gift spending, I put in $50 a month in, when it is someone's birthday, gifts comes from that. Our water bill is due every 2 months, Amazon prime is due every year, so these are "accounts" I put a small amount in every month to save for expenses that are coming but maybe not right away. These are truly a game changer! And probably also a good way to break up your "expense" account to a bunch of mini goals.
Great video, gave me some new ideas to better my own system. I use an app to list my expenses and incomes right after they happened. I immediately sort them into categories, so that at the end of the month I get an overview of where my money went to. Added to that I use my bullet journal for budgeting, its a list I set up at the beginning of every month with my budget for each category and at the end of the month the actual sum I spent in that category. Concerning bank accounts, I have three. One for my everyday expenses like groceries and rent, one for saving and as a buffer for rough times, and one for fun. The last one is N26 which is great because I can split my money on that account and put it into "spaces". Its great for saving for a specific purpose like my next tattoo or vacation. Yeah, thats it :)
Yes, please make a video on more money topics! Would love to hear from you on how you enjoy life (without being in a constant scarcity mindset) but within budget.
Hello! This was my first video of yours that I’ve watched - new subscriber :) I really enjoyed this video. You made the excel spreadsheet tracking look so easy. I keep track of my expenses on a simple budget app. It’s just expenses vs. income. I can’t wait to try the excel spreadsheet! I work on those everyday so I’m pretty familiar with how it works. Your video actually makes me want to try to plug the numbers in and see my finances in a new way. Looking forward to watching more of your content!
Please share more about Excel! I have no clue how to use it but feel like it could be a great budgeting thing for me. Do you recommend any videos that I could take to learn how to budget using Excel? Thank you.
I follow Dave Ramsey’s cash envelope method! It’s really helped me a lot with minimizing my spending and being able to tackle my student loan debt! I also get super giddy about excel spreadsheets!
Omit wines or go for wine specials instead... I like that tip! Thanks! And the calories get eliminated too. Or we can buy a bottle of wine in Costco and invite friends over. So much cheaper.
Got some good tips to add to my own arsenal of budgeting. I’m always intrigued by how others do their financials and over time have learned new ways to try out and help me stay on track. Plus who doesn’t love a good spreadsheet with easy to track formulas. Thanks for sharing yours.
I'm going to uni in September (in London, it's gonna be a lot more expensive that I'm used to) so this is so so useful. Currently trying to find different ways to manage and budget my money so I can test them out once I'm paying for my own accommodation, making my own meals, doing my own laundry... 😬 of course I'm excited for university but I'm very nervous for the money aspect. Thank you for the video!
I've tried using Excel and such before and I've found myself not keeping up with it regularly enough. I have a side job that pays me in cash and I find myself using that a lot more. For me personally, it helps to see myself handing over the money rather than swiping a card.
Idk where I learned this tip, but one great and easy way to divide money is: 50% for necessities (food, rent, transport, clothes, health, pet/vet, etc), 30% for fun (cinema, coffee dates and that kind of thing) and finally 20% for savings; then obviously it depends on how much you actually expend on each category. I kept track of everything for a few months with this system and then realized that I could actually save a little bit more because I tend to go out to cheap places or invite people over, hahaha! Then things changed once again since I live with my partner and woah, new thing had to be learned these last months! Suddenly I expend more on food (even though we started going to the food's market which is waaaay cheaper and healthier) so I kept track again and in just two months (Christmas included with their huge expenses) we now save 70€ on food every month. so keep track of everything but remember to have fun (now those 70€ were divided into the savings and into the eating out category of january because we deserved it)
I use Digit, it automatically pulls a few dollars every day or week for different financial goals I have all in one app instead of opening multiple accounts. What I like about it is I can pull money from it and deposit it back into my account immediately. They also monitor my bank and will deposit money back if I go into danger zone of low amount of money in my account. It helps me pay my student and credit card debt, pay my phone bill, and save for retirement, travel and rainy days. I love this app.
Love this video!!! More like this please:) I make a budget in my bullet journal, I have just reformatted it so it's easier to keep track of! But it's really helpful to see how efficient the excel spreadsheets are, I might switch over to that at some point.
i've been trying to use my bullet journal for budgeting but i have had much success figuring out how much im actually spending per category - I never feel like actually adding it all up haha! definitely gonna try out your spread sheets (i opened them in google sheets and it looks like they work perfectly). hopefully i'll have some free time soon to sit down and tweak it to my life
I needed this video so badly, thank you so much!! I’ve gotten better at money management, but still struggle with impulsive spending and planning well enough!! Caitlin I hope you a great rest of your week 💕
Okay but please do an Excel video! Somehow it's never something I've learned, and you seem to have such a good understanding of it while being practical with it!
I made an excel budget plan after seeing this video! I love it haha. But I have a question... how did you create the overbudget underbudget thing? I've found out how I can create the number part of it, but how do you make the words changing depending on the number? How does that formula look like? I hope you understand my question, English isn't my fist language so formulating questions can be a little bit difficult haha
paige keister I know right! It’s tough but you’re not alone! I live in Toronto as well I am currently tracking my debt repayment journey - you should check it out ✨
Build a budget, know where your money is going! And be consistent!!! Would love for you to check out my Investing channel! Only 50 subscribers from my goal!! Thank you!
Convert the spreadsheet to Google Sheets and you can share a read only copy with a link. If, in the url, you replace "edit" and everything after it with "copy," it automatically prompts you to make a copy.
I uploaded them in a google drive and shared a “view only” link that should allow people to download the files and use them....hopefully it works haha !
Love your videos Caitlyn! I was just wondering for your bank accounts, did you go with separate banks? Or who do you bank with that allows you to open up several accounts and not pay an arm and a leg for banking fees 😅
this came at such a needed time! i've been trying to create an excel budget that works for me, but i never follow through with them. i've been getting nervous about my finances as i'm about to graduate grad school and will have to start paying back students loans in addition to other fixed expenses. it'd be awesome to see your advice on managing credit debt in more detail! thanks for these helpful tips and happy early birthday, Caitlin!
Good video 👌🏻Delayed gratification is also the biggest increase to money management. I’m also releasing a video on money management which is a topic I love 👍🏻
I don't really have a system and that's why I never had any real money... I never had enough in a long time, but it just got better, because I got a study loan (F*** finally) and so I'm in the middle of figuring things out... but in terms of the system... I have an app at the moment that I try and keep up with. Also, I really like cash and since I live in Germany cash is very much king here and it's quite easy to do so. There are places where you can't pay with a card at all so that makes it easier sometimes too (or harder depending on how u look at it ^^)
I write down a list of my expenses for different categories at the end of each month so I get an overview. But I'm still trying to figure out a system how I can stay on track of my expenses during the month. Setting a budget doesn't work for me because I never stick to that 😅
Hey Caitlin! I just have a question so...I thought of doing this method of having different accounts for different things but I found the bank fees each month were much higher that way. Do you find this as well or maybe its just the bank I am with? please let me know! :) Btw ILY
Depends on the country and or bank you're with. If you're Europe/UK based, I'm with Barclays and there are no account fees. I don't know how it works overseas, but if you can maybe research other banks
Yes! High interest savings accounts are crucial!! My old account was giving me a .01%... now I get 1.6%!!! Would love for you to check out my Investing channel! Only 50 subscribers from my goal!! Thank you!
“You can always afford to be bored” sad but so true 😂😂😂
Bulletproof Doodles was literally about to post the same quote - brilliant!
This was great, thanks, been searching for "daily finance tips" for a while now, and I think this has helped. Ever heard of - Ferapt Freedom Fanboy - (just google it ) ? Ive heard some unbelievable things about it and my mate got amazing success with it.
Im 23, Im a lot more financially stable than most of my friends. I have lived on my own for years (since 18/19). I have learned a lot. How to cut costs etc. I am currently going back to college and am fully funding it myself. I work fulltime and have had to manage both. Very complicated. Rent for me is $1,400 which i pay myself. I make only about $2-3k a month in Ontario. I live off approx. $60 a week, for gas and food. Sometimes I use less than $60 sometimes more. My friends wouldnt describe me as stingy, if anything they are envious of how much im able to do with what I barely have. Its all about how you view it. Once you reach Financial Freedom, life just becomes a lot easier.
Wow a really good video, personal finance is mostly 80% behaviour and 20% knowledge. I always apply 50/30/20 budgeting pattern which has helped me greatly in saving and investing.
How do you budget using the pattern you mentioned.
@@shirleybraxten8169 it's 50% expenses, 30% investing and 20% savings. I try to spend less which has created more space for investing.
You have certainly done well for yourself.
@@jessicacaudill2278 in my own case my expenses are much and no Investing, I manage to save 10% which is not much.
@@jessicacaudill2278 like to know what you invest in, as I would love to improve my income and also savings.
My Financial Setup 2020
1. I use separate saving accounts for each savings goal (short, mid and long) and ensure they earn some interest.
2. For events and things I know, I will spend I have sinking funds and save a little every month towards that fund. For example yearly subscriptions
3. For my monthly budgeting, I use "The Budget By Paycheck Workbook" by The Budget Mom... It is the center and CORE of my entire plan. You should check out her TH-cam channel. It will really help elevate the wonderful job you are doing with your Excel sheet
4. I use a combination of cash for variable spending and my checking account for fixed expenses.
I use a lot of cash, if I don’t physically have it on me, I feel like I can sometimes spend more than I should, so I like to limit myself and also making a budget. Budgets are great.
I know people who like to do that too! Glad it works for you Ashley :)
I'd love to see more on excel and budgeting! Loved this video, I definitely just spent 30 minutes playing with your excel documents! I'm a freelancer, so figuring out budgeting with fluctuating income has been intimidating for me. Thanks so much 💕
Caitlin! I LOVE this! You have your head on straight and will be successful. You know (and practice) more budgeting and savings habits than most 40+ year olds. I would love for you to share more and totally geek out on Excel😊
When I had a job, I found that I was keeping a closer track on my spending and saving. I didn't really have a system in place aside from using a financial app that showed me how much I was spending and automatically put money into my savings. Since losing that job, I stopped paying attention to the finances because it was becoming something that stressed me out on a daily basis. It still is.
I really appreciate this video, it's been really helpful in reminding me the importance of financial health. That book is going straight to my wishlist ☺️
Still being college, I’ve been so scared about going into the real world and dealing with adult things. And I’m also studying to go into a field that will have fluctuating income because I’ll be a freelancer. This is definitely so helpful!
I can totally relate because I was definitely intimidated by all of the adulting 😅 over time though you start gaining confidence in it....just a matter of investing time into learning 🙌💕
I'm 26 and only just moved out of my parents house where I never had to pay rent or worry about food. I still had to pay bills etc and I cared for my dog. It's not as scary as I thought it was going to be because I was already fairly independent. The biggest thing for me is my impatience. I'm a very impulsive buyer and there are a few things that still need bought for the house. Trying to resist that urge or even when I'm food shopping, needing to restrain myself has been the biggest hurdle. I didn't realise how bad I was until I had no choice. Overall though I'm coping much better than I thought and getting advice on stuff like this is always useful.
Wow! Can you make a part 2? This is amazing. I was just talking to my hubbs about this because we have 3 different bank accounts and it’s stressful and crazy
I'm no longer in my 20s but this was a really thoughtful video, nicely done. I'm a big time money compartmentaliser too. Spending money always comes last. I do this more by feel but the spreadsheet you have is really clever. I also play mind tricks with myself by keeping a some extra reachable money in checking, e.g. I think of $400 as $0, if that makes sense. It creates a good buffer for unexpected expenses or occasional splurges without having to dip into savings.
Please make a video about excel! I also get so excited about fun formulas lol
That'd be great!
Thank you so much for actually taking the time to show us step by step how you create your excel budget! So many of these budgeting videos are just commonsense tips where they briefly touch on the fact that they have a budget spreadsheet but don't show how they actually do it. For someone who is not computer savvy, this really helped!
Caitlin, this was a great video. Probably the most helpful, realistic budgeting video I've seen in my subscriptions yet. I'd LOVE to learn more about how you work everything into excel. If you could do a tutorial for us, that would be awesome!
Commenting before finishing the whole video. One tip for everyone: Compare and compete your electricity, insurance and phone/internet etc. companies often. Also, make sure to check your subscriptions on a regular basis. If you are paying for some service you don't even use, you might be as well flushing your money down the toilet every month. If you use netflix only during christmas holiday, get it only for december/january and then cancel it afterwards for the rest of the year. And so on :D
jennahoo great tips ✨
Separating out your money and giving it a job is such a game changer! Before I started budgeting I just spent money if there was something in my bank account, and so I had no idea where my money was going, and no way to plan for the future. Now I'm really into using YNAB which lets me allocate money into categories depending on what I want to spend it on. Then, when I go to buy something, I check my YNAB app to see how much I have in that category, rather than my bank balance. This is what keeps me on track and it's such an awesome feeling!
I’m glad to know I’m not the only 20-something who is super into budgeting and gets excited about excel spreadsheets.
I really appreciated that you sort of explained Excel for people who might not be familiar with it, thought it was so thoughtful to include that!
I love excel too. Used it to plan my wedding (RSVPs, IF formulae colour coding responses, table layouts, etc.)
please do a video on saving tips!
risha a yesss!
That would be great! I’m currently tracking my savings jouney...hopefully $25,000 for 2020! You should check it out ✨
I absolutely love those Excel templates! I know my way around the functions but never really designed a file that would look neat and had all the cathegories covered, so thanks, will use this one from now on!
Currently don't have a very formal money management system aside from keeping up with the online banking and credit card statements. It's a little tricky to calculate some of my expenses bc I can't work full time as a student, so some of my expenses are paid for by my parents (and I know that I am very lucky for that). However, I have been slowly trying to be more intentional about this as I'm graduating soon and entering the job market, so this video helped out a lot. I find budgeting really intimidating because I don't quite know how exactly I want to track my purchases, but I really like the templates you've made and will be using them as a starting point.
If you don’t know how to create a budget in Numbers (apple version of excel) you can click the + and choose ”private economy” and there you will have lots of templates of budgets. I personally use the one called ”personal budget”. I’ve been using it since november and it’s been going great :)
“You can always afford to be bored’😂😂 sad but true 😂 this was a super helpful video, lately I’m struggling with my money management 🤨 sometimes its just hard to stop spending, kinda treat yourself and than serious regrets later 😫 really liked your excel idea, going to use that one once I figured out the formulas ☺️ thanks for the video ❤️
Loved this video! you should do similar videos because it think it’s really important to educate or at least create awareness among young people about their money.
I always use my credit card just so I get cash back but like you mentioned, I pay it right away and I only spend money that I have in my account. Also I have an app that goes with my banking app that automatically categorized your purchases and you can set a budget for each category
I use a credit card and I also use Excel for all your different bank accounts. I use sinking funds for pretty much everything. Sinking funds traditionally are mini savings accounts that are used for infrequent or expenses you don't know the exact amount. So gift spending, I put in $50 a month in, when it is someone's birthday, gifts comes from that. Our water bill is due every 2 months, Amazon prime is due every year, so these are "accounts" I put a small amount in every month to save for expenses that are coming but maybe not right away. These are truly a game changer! And probably also a good way to break up your "expense" account to a bunch of mini goals.
Great video, gave me some new ideas to better my own system. I use an app to list my expenses and incomes right after they happened. I immediately sort them into categories, so that at the end of the month I get an overview of where my money went to. Added to that I use my bullet journal for budgeting, its a list I set up at the beginning of every month with my budget for each category and at the end of the month the actual sum I spent in that category. Concerning bank accounts, I have three. One for my everyday expenses like groceries and rent, one for saving and as a buffer for rough times, and one for fun. The last one is N26 which is great because I can split my money on that account and put it into "spaces". Its great for saving for a specific purpose like my next tattoo or vacation. Yeah, thats it :)
Yes, please make a video on more money topics! Would love to hear from you on how you enjoy life (without being in a constant scarcity mindset) but within budget.
Fantastic video!! More on budgeting and even tutorials on how to use excel for money management would be much appreciated😍
Budgeting in your 20s is so important! Great video!
YAHS someone else gets excited over spreadsheets!
Hello! This was my first video of yours that I’ve watched - new subscriber :) I really enjoyed this video. You made the excel spreadsheet tracking look so easy. I keep track of my expenses on a simple budget app. It’s just expenses vs. income. I can’t wait to try the excel spreadsheet! I work on those everyday so I’m pretty familiar with how it works. Your video actually makes me want to try to plug the numbers in and see my finances in a new way. Looking forward to watching more of your content!
This was really helpful! Personal finance and money management is always interesting so please dive deeper if you want!
love this video! It's so important to start managing your personal finances as early as possible! some great tips in this video!
Please share more about Excel! I have no clue how to use it but feel like it could be a great budgeting thing for me. Do you recommend any videos that I could take to learn how to budget using Excel? Thank you.
I follow Dave Ramsey’s cash envelope method! It’s really helped me a lot with minimizing my spending and being able to tackle my student loan debt! I also get super giddy about excel spreadsheets!
Omit wines or go for wine specials instead... I like that tip! Thanks! And the calories get eliminated too. Or we can buy a bottle of wine in Costco and invite friends over. So much cheaper.
Yes, please! Keep doing this type of videos!
Got some good tips to add to my own arsenal of budgeting. I’m always intrigued by how others do their financials and over time have learned new ways to try out and help me stay on track. Plus who doesn’t love a good spreadsheet with easy to track formulas. Thanks for sharing yours.
yes! the alcohol at dinner is sneaky!! It adds so much to the bill you don't even notice!
I'm going to uni in September (in London, it's gonna be a lot more expensive that I'm used to) so this is so so useful. Currently trying to find different ways to manage and budget my money so I can test them out once I'm paying for my own accommodation, making my own meals, doing my own laundry... 😬 of course I'm excited for university but I'm very nervous for the money aspect. Thank you for the video!
I've tried using Excel and such before and I've found myself not keeping up with it regularly enough. I have a side job that pays me in cash and I find myself using that a lot more. For me personally, it helps to see myself handing over the money rather than swiping a card.
I use YNAB (You Need A Budget) and I STRONGLY suggest it. So fun and easy once you get the hang of it.
This video is super informative and needs to reach more people!
Idk where I learned this tip, but one great and easy way to divide money is: 50% for necessities (food, rent, transport, clothes, health, pet/vet, etc), 30% for fun (cinema, coffee dates and that kind of thing) and finally 20% for savings; then obviously it depends on how much you actually expend on each category. I kept track of everything for a few months with this system and then realized that I could actually save a little bit more because I tend to go out to cheap places or invite people over, hahaha!
Then things changed once again since I live with my partner and woah, new thing had to be learned these last months! Suddenly I expend more on food (even though we started going to the food's market which is waaaay cheaper and healthier) so I kept track again and in just two months (Christmas included with their huge expenses) we now save 70€ on food every month.
so keep track of everything but remember to have fun (now those 70€ were divided into the savings and into the eating out category of january because we deserved it)
My budgeting bullet journal spread this year was inspired from yours, so glad it was helpful for me 💛
I've never been this early wow 😂 love your videos !! Support from Toronto 💙💙💙
Wahoo! Welcome! Thanks for the love 🥰
This really, really helped.
Tracking my budget on my bullet journal never worked for me - never considered Excel! Thanks!
First time seeing your video. Quickly subscribed. I am in my early 20s and enjoy all budgeting tips.
I use Digit, it automatically pulls a few dollars every day or week for different financial goals I have all in one app instead of opening multiple accounts. What I like about it is I can pull money from it and deposit it back into my account immediately. They also monitor my bank and will deposit money back if I go into danger zone of low amount of money in my account. It helps me pay my student and credit card debt, pay my phone bill, and save for retirement, travel and rainy days. I love this app.
Love this video!!! More like this please:) I make a budget in my bullet journal, I have just reformatted it so it's easier to keep track of! But it's really helpful to see how efficient the excel spreadsheets are, I might switch over to that at some point.
Love this! Please do more!
Great suggestions! This is such an important topic to be discussing right now. I really enjoyed the video!
i've been trying to use my bullet journal for budgeting but i have had much success figuring out how much im actually spending per category - I never feel like actually adding it all up haha! definitely gonna try out your spread sheets (i opened them in google sheets and it looks like they work perfectly). hopefully i'll have some free time soon to sit down and tweak it to my life
I needed this video so badly, thank you so much!! I’ve gotten better at money management, but still struggle with impulsive spending and planning well enough!! Caitlin I hope you a great rest of your week 💕
Hope this video helps you out a bit!!
Caitlin's Corner Thank you so much, I’m incredibly grateful for your videos!!
please definitely do a video on spending tips!
I LOVE this video! Very very very helpful!
Loved this informative video! Good work! Would love to see more money management content from you. Love from Indonesia! x
These are good tips. Love watching your video and definitely watching out for that excel video.
Okay but please do an Excel video! Somehow it's never something I've learned, and you seem to have such a good understanding of it while being practical with it!
I made an excel budget plan after seeing this video! I love it haha. But I have a question... how did you create the overbudget underbudget thing? I've found out how I can create the number part of it, but how do you make the words changing depending on the number? How does that formula look like?
I hope you understand my question, English isn't my fist language so formulating questions can be a little bit difficult haha
The hacks video please.
I loved this one soo much ❤️💜
I'm definitely going to make that my next read!
Would love to have this excel spreadsheet on google sheets so it’s more accessible! It’s super helpful!
THIS WAS SO GREAT!! I would love more tips always. Wanting to pay off student loans ASAP
paige keister I know right! It’s tough but you’re not alone! I live in Toronto as well I am currently tracking my debt repayment journey - you should check it out ✨
Build a budget, know where your money is going! And be consistent!!! Would love for you to check out my Investing channel! Only 50 subscribers from my goal!! Thank you!
I would love a video about how you use Excel! much love 😘
Can you do a beginners excel video? I want to use it, but I hardly know more than entering data so I’m intimidated!
Also you should save money for the case of getting very sick, or if your pets get sick, or your washing machine breaks and stuff like that ☺️
Convert the spreadsheet to Google Sheets and you can share a read only copy with a link. If, in the url, you replace "edit" and everything after it with "copy," it automatically prompts you to make a copy.
I uploaded them in a google drive and shared a “view only” link that should allow people to download the files and use them....hopefully it works haha !
Favourite budget friendly place for a meal in Toronto? I usually opt for Ravi's Soup 😋
If you're interested in cutting down cellphone plan costs check out Public mobile it's great!
Very helpful tips! Thank you!
welp, this exceeded all of its expectations👏🏼👏🏼👏🏼 thanks for helping me how to adult and don't mind me as I watch this for the 5th time! hehe
As someone who's self employed do separate business and personal expenses/budgets? If so how to you do both simultaneously?
Yesssss for budget hacks ✔️✔️✔️✔️✔️
This helped me so much! Thanks!!
Happy early Birthday! How did I know? Mine is the same day as yours, haha!
Thank-youuu! 🙈❤️🎉 omg happy early bday to you too then !
I’ll tell you all one thing: ‘You Need a Budget’!
Love your videos Caitlyn! I was just wondering for your bank accounts, did you go with separate banks? Or who do you bank with that allows you to open up several accounts and not pay an arm and a leg for banking fees 😅
Madison Hewitt I had the exact same question!!
Please do a video about excel i freaking love spreadsheets
this came at such a needed time! i've been trying to create an excel budget that works for me, but i never follow through with them. i've been getting nervous about my finances as i'm about to graduate grad school and will have to start paying back students loans in addition to other fixed expenses. it'd be awesome to see your advice on managing credit debt in more detail! thanks for these helpful tips and happy early birthday, Caitlin!
Glad this came at the right time Sarah! And okay I’ll make note of that request-definitely lots to unpack there haha ❤️ thank-you so much 🙈💕
Love your videos! Can you tell me where you got that sign behind you laugh often? Please :)
Good video 👌🏻Delayed gratification is also the biggest increase to money management. I’m also releasing a video on money management which is a topic I love 👍🏻
I write out my budget in a planner and I do a bi-weekly and then monthly check-in. But all of my spending is tracked in an excel spreadsheet
I don't really have a system and that's why I never had any real money... I never had enough in a long time, but it just got better, because I got a study loan (F*** finally) and so I'm in the middle of figuring things out... but in terms of the system... I have an app at the moment that I try and keep up with. Also, I really like cash and since I live in Germany cash is very much king here and it's quite easy to do so. There are places where you can't pay with a card at all so that makes it easier sometimes too (or harder depending on how u look at it ^^)
I'm 12 and I think it will be very helpful in the future.
At first I thought you added a tweet on story but that saw it said new video live😂💯
Great tips
I’ll watch your other videos so you get your coin❤️🥰😘love this video
Please do a video on how you make those excels AAHHHH
I write down a list of my expenses for different categories at the end of each month so I get an overview. But I'm still trying to figure out a system how I can stay on track of my expenses during the month. Setting a budget doesn't work for me because I never stick to that 😅
Hey Caitlin! I just have a question so...I thought of doing this method of having different accounts for different things but I found the bank fees each month were much higher that way. Do you find this as well or maybe its just the bank I am with? please let me know! :) Btw ILY
Depends on the country and or bank you're with. If you're Europe/UK based, I'm with Barclays and there are no account fees. I don't know how it works overseas, but if you can maybe research other banks
please do a video about excel. honest
Happy birthday 🥳 ( tomorrow ). Wishing you all the best
Thanks Monika !! ❤️
extremely helpful! Thank you :) love from Germany
YNAB is my best friend ☺️
Great video and breakdown! We live in Toronto too and just shared a video on the BEST high interest savings accounts! You should check it out ✨
Yes! High interest savings accounts are crucial!! My old account was giving me a .01%... now I get 1.6%!!! Would love for you to check out my Investing channel! Only 50 subscribers from my goal!! Thank you!
i loved it
I wanna be financially organized
🙌😍✨