Get out of debt by the end of 2023- which has been hard but I'm slowly getting there, I also have been increasing my income with coaching, side hustles and more, I also am not going hard for Christmas this year, I'm going to have a small celebration with my family.
I'm currently in the process of selling my current flat to buy a bigger place so I really need to sit down and fully budget out the costs. I know I can afford the process but having it all down in black and white so that I'm prepared for any potential surprises is essential.
Hi Zoe, I would love to out aside 75 dollars a fortnight into the stock market, and 200 dollars a week into emergency fund, and 50 into vacation sinking fund. I have only started watching your videos in the past month but I am LOVING them. Sending you love all the way from New Zealand. Thank you for having opening conversations about money as many do not x
there's this thing i keep reminding myself, "it's not about how much you make but how much you can keep." that gives me peace of mind when it comes to comparing my finances with that of others.
So refreshing to see young people talk about budgeting, it seems like most people in their 20's don't take care about their financial health as much as they should. Great video!
Zoe! I NEVER got my nails done bc I thought it was such a complete waste of money and told myself I could just do them myself. BUT I have started getting them done and love it ❤ The irritability and anxiety surrounding doing my own nails has disappeared and it’s just such a simple from of self care. I’m glad to hear you are getting them done bc sometimes the money and time spent doing them yourself is not worth it 😅
Omg I spent sooooo much money on tools to do my own nails with the logic that it will be cheaper in the long run, which would be true except it takes me sooooooo long and gives me so much stress lol so I want to just get them professionally done but I got all this stuff now and don’t want it to go to waste
im going through some major career/finance updates in my life right now and watching this video really helped me think through a lot of these things! I also wanna say that I've seen you level up SO much with your finances in the last 2 years or so watching your videos and i'm so proud of you Zoe!!
Your take on this style of video is so refreshing!! I love the way you make things work for you by having clear goals but still remaining flexible and love the “spent on credit envelope”! That alone makes me feel like this is something I could do since I looooove credit card points! I always finish these videos feeling so inspired ❤
I’d love to do cash envelopes but I believe so much in putting everything on my credit card/treating it as a debit so that I can earn rewards/points from the purchases I make! Do you still find it more valuable using envelopes even if it means missing out on rewards? I know it may not be a ton per transaction but I feel they add up quick!
Haha, I am going to do the same. I saw they have it in beautiful tan velvet. I needed a coin purse and I saw they sell very nice make up bags. I needed those two things for a while, and they have a nice selection.
The coin purse is so cute and a great way to carry your change around! The Hawaii hair clip is adorable ❤ I do agree that it's never too late to set new goals ✨️
Additionally! Since you’ve had Maggie for a couple years now, a video idea could be the finances of having a dog/pet: what people can expect, vet costs in Canada, special needs care (like her anxiety training and sitter) etc.
Enjoyed this so much. I have my nails done every month. They always look nice and saves me so much time. I allow $85.00 every month for dip nail and hair. I work full time and have church activities and house chores. We are worth it it only take an hour or so but nails are looking better.
love this! & $85 is super reasonable i find… There are salons here charging $90+tax and tip for manicures 🙃 im sure they are amazing but that is too much for me lol
zoie - fyi, if you're not using your car, you can pause your insurance and get money back on the time off. it has to be more than 2 weeks that you're not driving it but you can get half back of your monthly premium!
Hi Zoe! I am so glad I stumbled upon your channel! I love your personality! I haven't had a chance to go through your videos, but is content creation your primary source of income? Hugs from France!
Random but what are some must try food spots in Montreal!! I love visiting and have a few trips planned this year, I always love a locals recommendations
check out Bocadillo in the Plateau for Arepas (very casual)! so good 😍 Ryu (sushi) for a more upscale dinner is one of my faves too! Mandys Salad is great for lunch. Barbara for dinner, September Cafe for breakfast or just coffee (both on Notre Dame). Those are some of my fave spots!
Fully funded emergency fund and buying a house! My boyfriend and I travel a lot so experiences > things but when we do treat ourselves we know we thought about it and what it contributes to as far as happiness.
I think the "downward trend" you experience in the summer is mostly only relevant to your niche (finance, lifestyle, etc). I co-own a Colorado travel blog and RUclips channel and the summer months are the busiest times of year for us. This is when we see a lot of brand deals for summer travel, state safety campaigns, etc. Just wanted to clarify so everyone who is watching doesn't believe that EVERY niche experiences a downward trend in the summer! It depends on the topics for sure! Great video though, thanks for sharing and being open about your money.
I feel like your ways are more complicated than necessary, in your place I’d not be happy to have to keep that up 😅 But I’m happy it works for you, thanks for the insight 😊
Thank you for touching on the mental health aspect of financial goals / issues! Content like this with your honestly and attention to details makes it that much easier to apply to my personal life 🤍
Love your financial goals! Your goal to pay off your car is motivating me to start one of my goals which is to start paying down on my mortgage, because my mortgage is stressfully high 🫣
You know I love a good cash stuffing and budget review 🎉😂🎉 Goals ? To stay out of credit card debt ( no interest in four years ) … get my one debt paid off and then save like I have never saved … hubby retires June 2024 then we will be on a fixed income 😊glenda
What is one of your personal finance goals?
Get out of debt by the end of 2023- which has been hard but I'm slowly getting there, I also have been increasing my income with coaching, side hustles and more, I also am not going hard for Christmas this year, I'm going to have a small celebration with my family.
Look at eating out as a treat than a necessity
Question is there not a debit card in canada?
I'm currently in the process of selling my current flat to buy a bigger place so I really need to sit down and fully budget out the costs. I know I can afford the process but having it all down in black and white so that I'm prepared for any potential surprises is essential.
Hi Zoe, I would love to out aside 75 dollars a fortnight into the stock market, and 200 dollars a week into emergency fund, and 50 into vacation sinking fund. I have only started watching your videos in the past month but I am LOVING them. Sending you love all the way from New Zealand. Thank you for having opening conversations about money as many do not x
there's this thing i keep reminding myself, "it's not about how much you make but how much you can keep." that gives me peace of mind when it comes to comparing my finances with that of others.
I always think the same
this is so good!!! 💖
So refreshing to see young people talk about budgeting, it seems like most people in their 20's don't take care about their financial health as much as they should. Great video!
I love your videos. I love how you speak about your challenges and how you reverse your thinking to succeed..mental health is so important..
thank you so much!! 💖💸 this really means a lot to me
Zoe! I NEVER got my nails done bc I thought it was such a complete waste of money and told myself I could just do them myself. BUT I have started getting them done and love it ❤ The irritability and anxiety surrounding doing my own nails has disappeared and it’s just such a simple from of self care. I’m glad to hear you are getting them done bc sometimes the money and time spent doing them yourself is not worth it 😅
omg I sooo agree!!! finally went and got em done and now when I look at my hands I'm like 😍
Omg I spent sooooo much money on tools to do my own nails with the logic that it will be cheaper in the long run, which would be true except it takes me sooooooo long and gives me so much stress lol so I want to just get them professionally done but I got all this stuff now and don’t want it to go to waste
im going through some major career/finance updates in my life right now and watching this video really helped me think through a lot of these things! I also wanna say that I've seen you level up SO much with your finances in the last 2 years or so watching your videos and i'm so proud of you Zoe!!
thank you Sandra!! and thank you for your support over the years 💖💖 Wishing you all the best with the changes going on in your life - you got this!
Love this! Just got the budget tracker and it’s so helpful! Thank you for the advice and the discount code ☺️
yayy!! thats amazing! hope you love it 💖
Loved this video as always 😊🙆 you inspired me to share my own financial progress and life on RUclips, thank you so much!
wow that is so cool!! 😍 happy for you!
OMG cancer baby, my husband is a cancer THAT'S why I vibe with your content! 💕
hehe im actually a leo ♌️! end of july!!
Loved your positive energy in this video, so contagious! 🥰☀️💖
thank youuuu 💕💕💕
Your take on this style of video is so refreshing!! I love the way you make things work for you by having clear goals but still remaining flexible and love the “spent on credit envelope”! That alone makes me feel like this is something I could do since I looooove credit card points! I always finish these videos feeling so inspired ❤
ahhh thank you!!! what an amazing comment 💖
I’d love to do cash envelopes but I believe so much in putting everything on my credit card/treating it as a debit so that I can earn rewards/points from the purchases I make! Do you still find it more valuable using envelopes even if it means missing out on rewards? I know it may not be a ton per transaction but I feel they add up quick!
I just ordered the change purse from Etsy! And the notebook from The Line! Can't wait to get them!😊 loved this video Zoe!❤
Haha, I am going to do the same. I saw they have it in beautiful tan velvet. I needed a coin purse and I saw they sell very nice make up bags. I needed those two things for a while, and they have a nice selection.
thats so great!! i love you both love em 💖💖💖
The coin purse is so cute and a great way to carry your change around! The Hawaii hair clip is adorable ❤ I do agree that it's never too late to set new goals ✨️
thank youu!!! loving both so much hehe, sometimes its the little things!
Additionally! Since you’ve had Maggie for a couple years now, a video idea could be the finances of having a dog/pet: what people can expect, vet costs in Canada, special needs care (like her anxiety training and sitter) etc.
hehe I talk about this in my latest vlog but I think it will make me too sad to add up all the costs 🙃 let's just say... its a LOT
Enjoyed this so much. I have my nails done every month. They always look nice and saves me so much time. I allow $85.00 every month for dip nail and hair. I work full time and have church activities and house chores. We are worth it it only take an hour or so but nails are looking better.
love this! & $85 is super reasonable i find… There are salons here charging $90+tax and tip for manicures 🙃 im sure they are amazing but that is too much for me lol
zoie - fyi, if you're not using your car, you can pause your insurance and get money back on the time off. it has to be more than 2 weeks that you're not driving it but you can get half back of your monthly premium!
ahhh interesting!! this is great to know, thank you 😍
I FEEL you on the nails front! I didn't do them at all in 2020 and saved so much but in the summer time i love getting my nails done
yesss i just went and did em and I think its getting added to my budget 😂💕
@@ZoePritchard gives u so much more confidence, saves so much time and they look cute 💅 seems worth it to me lol
Maggie ❤❤❤ Great video as always!
hehe 💖💖💖 thank youu!
Lol!😂 you can tell because Maggie has is still sleeping in the same spot, so cute.
I looove your videos! Literally haven’t been excited about a channel in so long, thank you💛
omg THANK YOU!! 💖
Sooooo glad I came across your channel!! Instantly subscribed.
yay!! thank youuu 💖
Hi Zoe! I am so glad I stumbled upon your channel! I love your personality! I haven't had a chance to go through your videos, but is content creation your primary source of income? Hugs from France!
hiii so happy you are here 💖 Content creation is about 60-70% of my income and the rest is my freelance copywriting income ✨
Great, just what I needed for the beginning of my weekend thanks for dropping this Zoe ❤
ahh perfect! have the best weekend 💖💸
Random but what are some must try food spots in Montreal!! I love visiting and have a few trips planned this year, I always love a locals recommendations
check out Bocadillo in the Plateau for Arepas (very casual)! so good 😍 Ryu (sushi) for a more upscale dinner is one of my faves too! Mandys Salad is great for lunch. Barbara for dinner, September Cafe for breakfast or just coffee (both on Notre Dame). Those are some of my fave spots!
Random thought but Canadian cash is so much prettier than American cash lol All the colors 😍
hehe yesss it's really nice. Makes cash envelopes extra fun!
One of my personal financial goals is to pay off my student loans in the next two years
amazing goal!! you got this 💖💸
Loved this video so much! ❤
so glad to hear this!! 💖
Fully funded emergency fund and buying a house! My boyfriend and I travel a lot so experiences > things but when we do treat ourselves we know we thought about it and what it contributes to as far as happiness.
love this!! amazing goals 💖
I think the "downward trend" you experience in the summer is mostly only relevant to your niche (finance, lifestyle, etc). I co-own a Colorado travel blog and RUclips channel and the summer months are the busiest times of year for us. This is when we see a lot of brand deals for summer travel, state safety campaigns, etc. Just wanted to clarify so everyone who is watching doesn't believe that EVERY niche experiences a downward trend in the summer! It depends on the topics for sure! Great video though, thanks for sharing and being open about your money.
ahh that is so interesting!! thank you for sharing 💖 that sounds SO cool! hope your busy summer is going great!
Love your content! Can you tell me where your couch is from?
thank you so much!! this is the Ciello from Cozey and it is AMAZING!
Just downloaded your budget tracker❤
yay!! hope you love it 💖
I feel like your ways are more complicated than necessary, in your place I’d not be happy to have to keep that up 😅 But I’m happy it works for you, thanks for the insight 😊
What I find I. Watching a lot of different influencers is that they want to keep up with the Jones each other or maybe the Kardashions
Goal of mine is to have 1x my salary in retirement by 30!
amaaaazing goal!!
This video is great- thank you
thank you!!
Saving up for a luxury bag is nice but didn’t you have debt?
i have $1,000 left on my car loan and i wont buy the bag until its paid off 😇
Great video 💗
thank you 💖💖💖
I took a year off from doing this. Just bought my mom's house and need to get back at it!!
congrats on your new house!!
Maggie ❤
Lol that’s insane. In San Francisco that $20 metro pass would last you 2.5 days 😅😢
haha yeah here public transit is pretty affordable! $3.50 for a one way ticket
where is your ring from?
vintage! it was my moms :)
Hi zoe
Much preferred more detail on less items!
Thank you for touching on the mental health aspect of financial goals / issues! Content like this with your honestly and attention to details makes it that much easier to apply to my personal life 🤍
that’s amazing!! thank you 💖💖
🎉🎉🎉
I’m early ❤
💖💸 love it!
It must be exhausting
Love your financial goals! Your goal to pay off your car is motivating me to start one of my goals which is to start paying down on my mortgage, because my mortgage is stressfully high 🫣
omg that’s amazing!! im sure it will feel so good to make strides in that direction 💸😍
Great video Zoe keep dropping gems.🤏🏽💎
thank youuu!!
You know I love a good cash stuffing and budget review 🎉😂🎉 Goals ? To stay out of credit card debt ( no interest in four years ) … get my one debt paid off and then save like I have never saved … hubby retires June 2024 then we will be on a fixed income 😊glenda
I love this so much!!!!!! Bless you guys and you can do it :)
@@molliemahaffey7469 thank you Mollie !
amazing goals!!! 💖