WHAT I SPEND IN A MONTH 💰🤑 *everything* I spent in November as a 27-year-old in Montreal, Canada
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- Опубликовано: 8 июн 2024
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Exposing my monthly spending including fixed expenses (rent, insurance, etc), vacation spending, plus allll my daily spending categories (groceries, dining out, coffee, etc) as a 27-year-old living in Montreal. I also cover how I budgeted for each purchase (cash envelopes vs credit) and if I'm happy with my overall spending. Lastly, I compare November's grand total to previous months to see how I'm doing!
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✨ About me: ✨
Hi, I’m Zoe! (Pronounced like Zoey) I’m a 27 year old from Montreal making videos about my REAL life. After quitting my management consulting "dream job", then being laid off from a startup job, I decided to take a chance and work for myself. I'm now mainly focused on RUclips (my absolute passion) and side-hustle contracts in the copywriting and admin fields.
My videos centre around work, gentle productivity, mental health & personal wellness, with a touch of fashion, tech, and whatever else I'm living. My goal is to be open & honest ALWAYS and for my channel to be a fun, inspiring place where we can set goals and live our best lives together. I would love for you to subscribe 💝
are you guys happy with your spending last month?
I'm not because my electricity bill was so high 😅
Yes, although I spent a bit more than my 65€ budget. This month is a different story 😂 but it's fine as I have been on vacation
I am absolutely distraught about my spending from last month 😨😨😨
It was so awful. I went to NY for four nights, spent over my budget and then came back to home (UK) and Black Friday was upon us so i spent some more, i was crying for payday to arrive. Im going to do alot better this month, hated the feeling of having no money last month.
Girl get rid of the office. You like the idea of it but you don’t need it. Bank that money.
i agree!!!
the thing is I am super productive there for non-filming activities and for copywriting. its so mixed for me 🙈
I agree with this 100%
@@ZoePritchard for non filming work maybe try working at your local library, it’s quiet and peaceful environment, you can set your laptop up, have all your planners with you, be surrounded by lovely books, I find libraries put me in a great mood to get sh*t done! It’s like my own personal office space, and when you want to take a break you can browse through the books…maybe even the productivity section to keep you inspired 🙂Xx
@@kellylee_p9076kind of what i was thinking- maybe if ur a cafe girly it could be helpful to knock out a few hours in a cafe ($100 a month on coffee is less than 800 on an office hahahah) but also maggie isn’t able to be home too long either so taking her to the office has gotta be helpful😭dogs are tuff
zoe!! you should consider getting a membership at a coworking space to replace your office! it's much more affordable, still gives you a place to be productive out of the house, and has the added bonus of getting to meet other entrepreneurs thru free social events etc :)
btw i've been a silent viewer for years but i watch all your videos! i'm a digital nomad so i love using coworking spaces while working abroad
That is a great idea if she doesn't need a storage area for her merch she is selling.
thank you for watching for so long 🥹🩷 i love the idea of a coworking space, need to find one that allows dogs hehe!
My rent is $1775. If I could cut that in half then I’d do it in a heartbeat! Zoe, get rid of the office!!!
This might seem kind of wasteful/like a weird suggestion, but what if you do a one month no-office trial? Keep your lease but commit to not actually going to the office for a month and see how it feels - if you truly miss it and feel like it adds a lot of value to your life then you still have it to go back to the following month, but if it’s not so bad only filming out of the apartment then now you know and you can end your office lease with confidence!
wait this is SUCH a good idea!!! i love it 😍
Great video Zoe! I would try not going to the office for a set amount of time to simulate the feeling of no longer having an office! If you can set up a home office without significantly impacting the dynamics at home, letting go of the office seems like a pretty good idea. Your office looks wonderful but if you aren’t utilizing it enough then maybe it might be time to consider other options.
Happy Holidays!
I think it's better to let go of the office.i think you can save the money❤
Two vacations for that amount is a super win!
Okay, this is my two cents worth re your office space…Keep The Office.
It ensures you get out of the house, which is important. Maggie is always able to go there with you and it ‘feels’ like a work-space, which helps set the mood to work.
You can make it a cosy space with the help of a quality room heater and some nice eating utensils - anything that will help you settle in to the space. Warmth, and some comfort things, will help enormously.
Keep it and use it.
At the end of the day you will decide what's best for you Zoe, to keep the office or let it go. I feel like the videos which are filmed in your apartment are great and super cozy but I know you do more that film in your office. Just ask yourself which space makes you feel more productive & inspired, I'm sure you will make the right choice ❤
thank youu!! yes I do almost all of my copywriting there and a lot of editing 🙈 but i could easily do it from home, its just nice to get out of the house to a dedicated productive space. anywayssss we shall see!
I have two cats, and spend at least $100-150/month on food, litter, toys, etc. Well worth it, they bring me so much joy and I take pride in providing the best life I can for them
So, the office thing. Have you thought of giving that up and instead getting yourself a flex desk at a coworking space for a couple of days per week? This way you can do non filming activities there and probably spend less than half of what you are spending now. Many of these places also allow dogs 😉
Get rid of the office and go to that spa place once a month that you did in that one video
hahhaa its but crazy it would actually be cheaper 😂😍
I think a co working space would be good. I'm sure you could also rent spaces for a day, when you want to work away from home? Or you could try working at the library. Maybe even at the university library, for focus and productivity
There are actually some people who work from home but go to the library on some days
Perhaps you can cut your office. Perhsps not going there would help cut dog sitting costs too.
I say ditch the office. You could always go to a cafe and spend 8-15$ the days you need to get out of the house and focus. That would still be less even if you went every single day of the month!
Regarding the office, follow your intuition. There will always be advantages and disadvantages to keeping or letting go of the office. If it was me, I would let go of the office and maybe replace it with working in the library or a coffee shop and put the office rent money to work somewhere else. I am sure you will make the best decision for you. ☺
Loved the video Zoe !!
I’m building up my emergency fund at the moment so I need all the motivation I can get 😂
I was wondering if JS is still working at home a lot? If not maybe letting go of the office is a good idea! Imagine the savings you’ll have at the end of 2024😮🎉
yayyy good luck with the EF! he now goes to the office almost daily so thats what started the wheels turning 🙈
I think you should let the office go. I think given your anxiety, especially when it comes to money, you'll feel good having that money to either save or allocate somewhere else. But like you said, it's a personal decision! You do what is right for you!
agree! the issue is the new challenge it brings if i work from my house each day which is never leaving the house 😂 and that can get sad for melol… im not going to rush a decision but its something Im really thinking about!
Have you tried Intelligent labs for probiotics? They have a women's version and it's a 60 day supply. They have good sales too from time to time or use promo codes. They have another adult version with more CFU but the price is more. I personally stick to the women's.
Yes
Zoe, you should include your total expenses from the previous months and compare and contrast them to the current month. But instead of doing that every single time in your monthly money video, just do it at the end of every quarter (Q1-March, Q2-June, Q3-September & Q4-December). That way, you can also monitor your expenses and savings every quarter.
great idea!!
Hi zoe
On a random day a few months ago I saw your video “Living paycheck to paycheck” and became a follower because I totally relate to it, despite not being in debt I was feeling out of control of my spending.
I decided to try the cash budget method after seeing some of your videos, and I’ve been using this for 6 months now. It allowed me to achieve my savings goals for 2023 and even, gift R$1000 (BRL) to my mom, who is a housewife w/out income. All that saving a litle each month in my envelopes. 😂
Thank you for sharing your journey Zoe, I wanted to leave this comment as a way to thank you, keep up being great! ❤
When you first mentioned your office rent I thought - I wonder why she has an office. You could totally let that go!
So jealous of your rent
Mine is $3000 a month 😓
How about sharing how much you have saved (EF, investment accounts) in a month? 🙂
i share that in my monthly “how i budget” video 😇
Just eat sauerkraut for your probiotic. So cheap and works well. Just keep in the frig and eat a few forkfulls a day.
A few forkfuls of sauerkraut every day would be torture for pretty much anyone, the probiotic supplements are well worth it
@@angelicabrewer3711 . I do it. It is possible.
@@jessicatounkara8753 possible but not pleasant
Your finances are way more in check than you realize lol 😂 compared to me
Try to do a low spend month and spend $500 less.