Это видео недоступно.
Сожалеем об этом.
MARCH BUDGET WITH ME | new financial goals & budgetting with variable income
HTML-код
- Опубликовано: 15 авг 2024
- Surprise! A fun little bonus video for the last day of February! I tried out a new budget spreadsheet & I absolutely love it!
link to spreadsheet: www.etsy.com/c...
✨ Subscribe: bit.ly/2VrRRcb
✨ WHERE TO FIND ME
IG: / cartersully
Podcast: anchor.fm/budg...
✨ SUBSCRIBER COUNT- 46, 963
✨ DISCLAIMER
My views are not those of my employer. All video clips were filmed prior to work, on any designated work breaks or after work.
✨ DISCLAIMER
This video is not sponsored.
![Chuckyy - Devil Hours [Official Music Video]](http://i.ytimg.com/vi/f3wZGj0VnZU/mqdefault.jpg)
I found this really relaxing. I actually just dropped out of college, so seeing other people changing their finances, and reevaluating is so comforting. I dropped to put my mental health first, but now I have a very different budget, have to pay back my tuition pretty quickly etc. Your content has really been helping me through this process of change. So much unknown, but nice to have a familiar face throughout it all.
Aw I'm so glad Lanie! ♥️ You got this! That's a big life change & excited to see where it takes you!!
Thanks for being so transparent with your budget! It really helps to see real-life examples of how other people manage their finances.
Thats why I do it!! 🤍✨
I love the savings tracker on that budget! I’m adding that to my own budget template!!
Love that for you!
One of my fav RUclipsrs! Love these videos, keep up the great work!
Thank you so much 🥺♥️
Definitely love this in depth one!
Yay!! ♥️
I’m so happy I came across your channel! You keep me so motivated and inspired to get my life together! I have such a love for books like you do, and it’s something I’ve neglected for a while, I recently joined a book club and adding it as part of my self care budget & routine. Thank you for making this content! ❤️
Thank you so much!! Welcome to my channel!
I bought the spreadsheet (the simpler version) and I'm in love with it
Me too, I love the annual & monthly layouts!
@@CarterSullivan the link seems to be down. Was it removed?
Love this vid and how realistic you are about budgeting. trying to get on the same mind set that money comes and money goes!
Yes, mindset is so important with finances🙌🏻
A note about the IKEA kitchen - you can go for your consultation and price everything out in-store but then they can print you the order without actually placing it at that moment. Then you can just call customer service when you're ready to place the order to put it through on your credit card. They can also check their stock to let you know how long it will take to come in from the time you decide to place the order. Just wanted to share that 🙂
Oh that's good to know!!! We already have the printed order from when we did the design online so good to know we can call when we are ready! Thanks for the tip girl🥰
For books, have you ever considered borrowing from the library or using an app like the Libby app? You link your library card through the app and can digitally borrow books and audiobooks from your library and read them on your phone or tablet. I love physical books, but I was running out of space to store them and I also wanted to cut down on expenses.
Not sure if Canada has something similar.
Yes I have! Our library wait times are MONTHS long and if I have to wait 4 months for a new release I'm just going to buy it honestly lol. I have a Kindle & use Kindle Unlimited so I get unlimited reads for $11/month. I can't use Libby with Kindle sadly and I wouldn't really read on my tablet/phone if I have a Kindle. Personally I think we all spend money differently & I don't really spend much on myself- I don't buy clothes often or expensive makeup! So for me buying books is what makes me happy! I buy 90% of my books second hand usually off FB marketplace or book outlets! ♥️📚
@@CarterSullivan Understood! Also, I hope I didn't offend you. When you mentioned a book budget, I just wanted to comment because I put myself on book budgets too :) Totally understand.
Love the new budgeting template!! Where do you add in the monthly cost for your horse, board, etc? Thought it would be under the pet category?
Not sure if you're newer to my channel but my horse is on an off property lease meaning the individuals leasing him pay for his board/feed etc. I just take care of any vet bills etc which come sporadically & would be included in my bills for that month if I had any!
I love your content Carter! Please keep doing these videos, I just purchased the template too!
Thank you! Will do!
Omg so early!! I was literally just watching one of your previous resets 😆
🥰🥰🥰
So first off, love your content. Has helped make budgeting relaxing, easy and relatable. I just got this spread sheet and upon rewatching your video I realize you are budgeting for your month here.
If we want to use this biweekly upon receiving our paycheck, should we go in and edit all the numbers? Should I just go in and add in actual amounts for only the bills I am paying in that period to ensure the numbers calculate correctly? Hoping you'll post a biweekly budgeting routine with this soon to get a better understanding!!
Thanks again for your help!
I uploaded a payday routine budget a few months back! Its all up to what works best for you💕
You are the one who inspired me to budget and create my own spreadsheet 💜
Aw that's amazing! So happy for you♥️
Hey! this was very interesting to watch... I will definitely be using this for my personal budgeting.... My question to you is...what budgeting spreadsheet do you use for your business? Thank you in advance!
I use Quickbooks to look after my business income/bookkeeping☺️
I love the content. I like the spreadsheets too, which would you use for a flexible money allocation? Love from Salt lake city
Sorry what do you mean by flexible money allocation? Like sinking funds? I've never heard this term before☺️
@@CarterSullivan it's my way of saying having a system that isn't zero based where you have money left over to move around in case a category spills over, etc
Carter I need to know where you got this shirt 🤩 also loved the video!
It's old from Aerie! But maybe they have something similar on their site. I think it's called their "waffle knit crewneck" or something like that!
I needed to laugh at the „gas is so expensiv“. The budget you set for gas, wouldn‘t even fill up my car the full way. And I need to fill up my car twice a month. The prices in Germany are crazy right now. 😂
But also remember I work from home and everything I need is in a 5 mile/km radius from me. So yes gas is crazy expensive everywhere in the world right now! We also all have different sized cars! It currently costs me about $80-90 to fill up my ELANTRA LOL but I only fill up my tank once a month since it gets me around 650km and I work from home haha
@@CarterSullivan I didn‘t mean that in a mean way! It‘s just crazy to me how different the prices are. 😄 To fill up my car completely i pay 112€ right now and I can drive around 700km. And it get’s more expensive every day. 🙄 Just happy that I move closer to my workspace next month. Than I can walk to the hospital and hopefully won‘t be spending so much money on gas. 😄
@@emelystuetzer3564 not at all! I just think it's important to remember everyone's definition of "expensive" and "high budget" are so different! Gas seems to be super pricy everywhere right now🥲
I would love to see how you do your business finances .. like your subscriptions etc. Where does your business expense money come from when your brand deals and adsense are included in this income? curious!
I broke down my business finances in my March reset routine that I just uploaded!
@@CarterSullivan haha omg I’m such a goofball I legit watched that the other day 😅😅😅😅
Carter, thanks for sharing!!! I am curious if you have a video talking about your future retirement savings plan. I am hoping to be debt free by the summer and am having a hard time thinking of future budget, balancing enjoying life w/ saving for retirement.
I do not! I contribute to my pension through my job automatically with every paycheck. My employer matches every dollar I contribute & more! I also contribute to my TFSA regularly!
Is there a reason that you don't include your car loan as a debt? That possibly be something you could save to pay off early. Just Curious
I am well aware that it's something I could pay off early however we have more prioritizing goals right now like renovating our home! I paid off all my student loans in 2020 and hustled to do so and now I'm enjoying life. While paying off my car loan is a goal for the next few years it isn't a debt I'm contributing MORE than my minimum on which is why I left it out of the debt category. I've talked about this in detail in previous financial videos☺️
@@CarterSullivan that makes perfect sense. I’ve only been watching for about 2 months, I may have missed that point! Thanks for all your advice.
I have a question for this software. Do you list the amount in your bills section and the expense tracker? or does that list it twice?
Love your content!
Bills and expenses are 2 different things! Bills are fixed expenses (mortgage, car payments etc) and expenses are variable costs like groceries, personal spending, gas etc so it's not listing it twice
@@CarterSullivan but do you list it in both places? It's odd moving from every dollar to this, but I like it so much
@@dawngadon5738 Sorry I don't get what you mean by listing it in 2 places. You just list it in the appropriate category like I did. The expense tracker is just to break down the individual variable expenses not your bills
@@CarterSullivan that answer works! Thanks for taking the time. You're very kind.
You’ve mentioned your part time job before. I know you took a break I think in Jan. Totally out of curiosity what in general is that? I know you might not want to give full details- completely understand that! Just curious if it’s also something in healthcare or if it’s something different all together! Loved this video!
I just work at another hospital in scheduling PRN! So yes still in healthcare☺️
Spreadsheet works best for me since i can customize it month on month for my needs. I actually created one :)
I agree! Good for you! I was using my own for awhile but I am not good at the stupid formulas😂
@@CarterSullivan message me if you need help on formula :) i work best in excel vs google sheets
how do you find the time or motivation to work so much?
I mean I work a normal corporate job because I have to, to pay the bills😂 And RUclips well I just enjoy it- I don't see it as work!
This was an awesome video!! Do you usually invest your savings or have it set aside?
I have a separate investment account that I contribute to bi-weekly! Personally I find it comforting knowing I have a chunk of money in my bank account (doesn't need to be pulled from investments) in case something happens.
@@CarterSullivan that’s awesome, thank you for your response! :)
Hey! Is your excel spreadsheet still online? I downloaded it a couple weeks ago and now i can’t access it anymore?
Did you change something? I also can’t seem to find the link to it in your older videos…
Nope I didn't take the link down! If you downloaded it a few weeks ago it shouldn't be affected as long as you saved a copy☺️
@@CarterSullivan its so weird! I saved the copy im sure of it but i can’t seem to find it anywhere! It’s super frustrating because i already started to use it and it worked so well :( would you maybe be able to share it again so i could save it once again and start all over? Sorry for the inconveniences but my friend downloaded it as well because i recommended your RUclips channel to her and she has the same problem! Can’t seem to find the file anywhere even tho we both saved it! It’s really weird
@@michelleneubauer5099 its still in the cescription of all my resets & finance videos- it hasn't gone anywhere!
Isn't personal spending part self care...
No I count self care as my hair/nails etc which is more of a special occasion purchase not monthly spending! Everyone does it differently☺️
Been trying to figure out how to organize monthly finances - I’m getting married soon and my nurse pay checks vary biweekly cause I work a varying amount of shifts with each pay check. Thank you for the constant transparency, it’s helping us all learn!
Of course!!! Varying paychecks isn't always easu but it's attainable to budget with, with practice!
Me i am a student who can work only 20 hours per week, sometimes I work less than 20hrs so each paycheck have I different amounts, so I always have a regular amount in my head it's the minimum and I always put the rest in my sinking funds
If you are budgeting for the month but get paid weekly or biweekly then do you have to set another budget to follow when the paychecks are actually deposited?
I budget biweekly! I just set up my budget monthly but when I get paid (every 2nd Friday) I update my paychecks to the actual amount received & add in my expenses in that 2 week period! I have a whole video on this 😇
Love these vids!
🥰🥰🥰
💛💛💛
♥️♥️
Great content. How do you work in your partner’s finances?
He does his own finances separately! I mean we split all our joint bills but this is just my finances ☺️
@@CarterSullivan great so your spreadsheet only accounts for what you pay towards your joint expenses? Would be great to see a video on how you two work together as a couple on your finances. Keep this great content coming. Much needed!
@@candidlycam6261 Yes my spreadsheet is only MY income and MY bills/expenses. I obviously put all my finances on the internet with full transparency but my boyfriend does not! But to put it simply we believe in splitting everything 50/50 so that's how we do our finances. We each save our own money separately but split our mortgage, groceries, home renovations etc. Super simple process!
@@CarterSullivan awesome thank you!!
i bought this same template (link you inputted) but i'm not seeing pages like subscriptions tracker, savings tracker, debt tracker, etc. did i buy the wrong bundle? :(
She has different bundles! I would look at them all before buying! The deluxe one is the one that contains the savings, subscriptions etc!
What camera do you use for vloggin?
Canon M50!
In Canada, your health insurance can cover massages😮
PRIVATE canadian healthcsre insurance (usually through your job) covers additional prescriptions, massage, physio, dental & vision! But our "free" healthcare covers doctors visits/hospital stays etc
My jaw dropped when she said that!!! An hour massage in the US is over $100 a session out of pocket, and insurance definitely doesn't cover it
@@aly1396 it's also probably around $100 in canada! But obviously you can only claim it on insurance if you have a medical reason for the massage😂🙌🏻
Where is your sweater from Carter? :)
Aerie!
Have you even thought about using your income from (for example) February to budget for March so when you are budgeting you are always doing it with real numbers and not having to just estimate numbers? You definitely seem like you have enough of a buffer to be a month ahead.
I've tried that in the past & it doesn't work the best for me- that's why I have a buffer! Estimating income comes with doing social media! As for my corporate job it will be the same biweekly going forward I just don't know the exact amount since it's a brand new job! Everyone is so different in terms of what works best! I like to view it as I'm always a month ahead on bills🥰