As a 28 year old who has struggled with drug addiction, severe ADHD impulsiveness, and just a general cluelessness about budgeting who is starting (late) to change their life around this really has helped. Thanks a lot 👍🏻
Wow! So glad to know it’s helped, and well done to you for getting things in order. 28 still sounds quite young to me and like you’ve got time on your side 😊
Just downloaded the spreadsheet - it's amazing! I suck at Excel and this has saved me from spending time learning how to format all the tables. Love the percentages column as it helps me visualise the proportions of each of my outgoings. Thanks Dee!! :)
helpful video. The cost of living in London is so high, I am paying just over £200 in Council Tax, that's why I will be moving soon to just half hour away from London. Since using an excel budget spreadsheet has worked wonders for checking in on my spending and also helps to save me money. I like to see how much money if any, I have managed to save for the month and then allocate more to my savings/investment.
This is really helpful I have your budget sheet. I live outside of London so hurt housing costs/ mortgage is spot on for myself and friends that own houses. The salaries outside of London are generally a lot lower than £31k but two people would be bringing this in or more so it was still good to watch and very relevant
That’s great to know the housing costs are spot on and also interesting that salaries are generally a lot lower than £31K. It’s so region specific, so hard to gauge across the board 😊
Great manipulation of figures, a spreadsheet allows you to do this, being realistic and strict with your figures as far as possible is the key to keeping within a budget. Regarding food I never buy lunch or coffees I always take food from home, I either make it or eat leftovers and bring my own lattes. I love the concept of a budget for everything sometimes difficult to stick to but if you just spend willy-nilly you have no idea and your money can disappear without trace. Tracking your expenditure is really useful so you have an average of monthly expenditure on such things as toiletries vitamins food takeaways etc. A yearly tracker of expenditure is also useful with a final balance at the end of the year. Really enjoying your vlogs especially as they are based in the UK as there aren't that many of them, great content, love the Vanguard stuff, thank you x
What a lovely comment! Thank you so much! I agree budgets are so important in helping you not go crazy with your spending. Reflecting on my expenses really helps me to conceptualise what I am spending all my money on and what needs to change/not change.
I've really been able to stick to my budget by using a monzo account. I use the "pots" facility so I have pots for holiday, emergency, Xmas/bdays, clothes/beauty treatments.
Hi there! I just can across your channel . I absolutely love the look and ease of use of your spreadsheet. I live in the US and was just wondering if do you offer this is US dollar format?
Hello 😊 thank you very much! I actually do have a US dollar version on my Etsy too found here: www.etsy.com/uk/listing/896572525/budget-excel-spreadsheet-how-to-tutorial?ref=search_recently_viewed-2
Great video. Really does highlight the potential difficulty people face when budgeting and balancing the figures whilst paying for the essentials but still living life. For me personally the savings amounts look too low as whilst there is an amount for an emergency fund, being a homeowner there is always things that need saving up for or replacing, and this budget is for someone on 31k. I think generally your figures are overall realistic. Not sure about the phone plan though. I pay £16.50 a month on contract which is enough for what i need. Our Mortgage is £406 a month but that's only because we have 6 years left.
Thank you for your comment!! I agree, savings could be more but a lot of people struggle to save even 10% unfortunately. But it is essential! Super jealous of how much you pay for your phone contract and your mortgage lol. I pay more than double that but I also have much longer than 6 years left on my mortgage 😅
@@FinanceDee absolutely. They really should teach this stuff in schools. If people get into these good habits like you've shown, it is manageable overall especially if they look to find the best deals, and get rid of non mortgage debt.
Wow £100 a month for petrol. I pay £100 per week Debt £600 Food £400 Mortgage £400 Council tax £110 Etc etc I’m on £31000 How lm surviving l don’t even know myself
Oh wow. Assume you commute via your car and maybe don’t pay for train fares then? Is the debt so high because you’re trying to aggressively get to zero? At least your mortgage is nice and low. Even though you don’t know how you’re surviving, you are! So well done you 😊
Nothing like a good breakfast and watching your vid to start my morning😃
Best comment ☺️ glad you get to watch and eat your breakfast 🥞
Good to see a normal video.Not like I am budgeting my 75k salary because I’m struggling with debt.😊
As a 28 year old who has struggled with drug addiction, severe ADHD impulsiveness, and just a general cluelessness about budgeting who is starting (late) to change their life around this really has helped. Thanks a lot 👍🏻
Wow! So glad to know it’s helped, and well done to you for getting things in order. 28 still sounds quite young to me and like you’ve got time on your side 😊
This is actually extremely useful for myself as my salary is £31,989. So many thanks :)
Wow that’s perfect! Glad this is useful for you 😊
I wish rent in London was that low haha! Great video :)
Haha right!! I guess this is the curse of London/SE England. Everywhere else is much more reasonable!
Great video, and an excellent walk-through. Keep up the good work.
Thank you very much ☺️
I like this budgeting spreadsheet very in-depth! 👌🏾
I absolutely agree.. very thorough
Thank you both! Thorough is the key to having a comprehensive budget that actually works 😊
Just downloaded the spreadsheet - it's amazing! I suck at Excel and this has saved me from spending time learning how to format all the tables. Love the percentages column as it helps me visualise the proportions of each of my outgoings. Thanks Dee!! :)
Ahh this makes me so happy - my pleasure! Hope it will be very helpful to you each month 😊
Hey, thanks for the video. Super helpful. Could you please inform me for you were able to show both screen at the same time?
I screen recorded on my laptop as well as filmed myself on a camera. And then edited it together in iMovie and used the ‘picture in picture’ setting 😊
@@FinanceDee thank you!!
London is at least £800. But the post covid urban flight is dropping prices so we'll see. Thanks for a great video with a realistic budget!
helpful video. The cost of living in London is so high, I am paying just over £200 in Council Tax, that's why I will be moving soon to just half hour away from London. Since using an excel budget spreadsheet has worked wonders for checking in on my spending and also helps to save me money. I like to see how much money if any, I have managed to save for the month and then allocate more to my savings/investment.
Wow over £200/month is a lot 😯 yeah I live outside of London now and it’s definitely more affordable!!!
Yes thats the standard rent is around 1000-2000 no idea where you are getting £400 🤷♂️
This is really helpful I have your budget sheet. I live outside of London so hurt housing costs/ mortgage is spot on for myself and friends that own houses. The salaries outside of London are generally a lot lower than £31k but two people would be bringing this in or more so it was still good to watch and very relevant
That’s great to know the housing costs are spot on and also interesting that salaries are generally a lot lower than £31K. It’s so region specific, so hard to gauge across the board 😊
Great manipulation of figures, a spreadsheet allows you to do this, being realistic and strict with your figures as far as possible is the key to keeping within a budget. Regarding food I never buy lunch or coffees I always take food from home, I either make it or eat leftovers and bring my own lattes. I love the concept of a budget for everything sometimes difficult to stick to but if you just spend willy-nilly you have no idea and your money can disappear without trace. Tracking your expenditure is really useful so you have an average of monthly expenditure on such things as toiletries vitamins food takeaways etc. A yearly tracker of expenditure is also useful with a final balance at the end of the year. Really enjoying your vlogs especially as they are based in the UK as there aren't that many of them, great content, love the Vanguard stuff, thank you x
What a lovely comment! Thank you so much! I agree budgets are so important in helping you not go crazy with your spending. Reflecting on my expenses really helps me to conceptualise what I am spending all my money on and what needs to change/not change.
I've really been able to stick to my budget by using a monzo account. I use the "pots" facility so I have pots for holiday, emergency, Xmas/bdays, clothes/beauty treatments.
I am same as you, my budget is non-negotiable and I do it monthly and review regularly. Great video
I personally think it’s the only way to have control of your money properly! And thank you 😊
Great vid as always enjoyed listening to it
Thank you George 😊
Great video on budgeting.. pretty thorough.
Thank you, appreciate that!
Hi there! I just can across your channel . I absolutely love the look and ease of use of your spreadsheet. I live in the US and was just wondering if do you offer this is US dollar format?
Hello 😊 thank you very much! I actually do have a US dollar version on my Etsy too found here: www.etsy.com/uk/listing/896572525/budget-excel-spreadsheet-how-to-tutorial?ref=search_recently_viewed-2
@@FinanceDee Awesome! Thank you!
Great video and very detailed 👍
Thanks Kristena 😊 all about the details!
Great video. Really does highlight the potential difficulty people face when budgeting and balancing the figures whilst paying for the essentials but still living life. For me personally the savings amounts look too low as whilst there is an amount for an emergency fund, being a homeowner there is always things that need saving up for or replacing, and this budget is for someone on 31k. I think generally your figures are overall realistic. Not sure about the phone plan though. I pay £16.50 a month on contract which is enough for what i need. Our Mortgage is £406 a month but that's only because we have 6 years left.
Thank you for your comment!! I agree, savings could be more but a lot of people struggle to save even 10% unfortunately. But it is essential!
Super jealous of how much you pay for your phone contract and your mortgage lol. I pay more than double that but I also have much longer than 6 years left on my mortgage 😅
@@FinanceDee absolutely. They really should teach this stuff in schools. If people get into these good habits like you've shown, it is manageable overall especially if they look to find the best deals, and get rid of non mortgage debt.
Wow £100 a month for petrol. I pay £100 per week
Debt £600
Food £400
Mortgage £400
Council tax £110
Etc etc
I’m on £31000
How lm surviving l don’t even know myself
Oh wow. Assume you commute via your car and maybe don’t pay for train fares then?
Is the debt so high because you’re trying to aggressively get to zero?
At least your mortgage is nice and low. Even though you don’t know how you’re surviving, you are! So well done you 😊
£200 a month is my fun money too 😁 wish I could be having more fun but seeing the mortgage drop down every month is 👌 worth it
All about finding that balance isn’t it ☺️ fun and reducing the mortgage lol
Fab video gal!!
Thank you ☺️
I could only wish my mortgage payment was £350. Would need to times that by 4 and add a bit 😅!
Haha right 😅 but someone in my comments said they only pay £400 so it’s possible for some!
lol rent here in Surbiton i'm paying is £1900 😫
Wow 😳
Does the spreadsheet work with chrome OS, namely spreadsheet app?
Hello. Never saw this message. Are you still interested in trying the spreadsheet?
@@FinanceDee all sorted, thanks
None of the numbers are realistic. A lot of single person households living on less.
These numbers can be realistic for some and unrealistic for others. Everyone’s situation is different.