A tip that I have is to hold most of your money in your savings account instead of your chequings account! So when you go to spend money, you are forced to look at your bank account to transfer money over and it almost makes you feel a little guilty. It's also slightly annoying which deters you from spending more lol
a lot of savings accounts also have incentive to keep your balance higher at the end of the month than the beginning! mine has bonus interest rates that are dependent on fulfilling that condition
I just spent 2 hours making a budget of the past 3 months. I keep telling myself I need a budget but haven't found my platform to keep track of my spending. After watching this video I love the excel idea just being able to see laid out. Hopefully this will stick! Love watching your Financial videos!
Hello ! Thanks for Watching and Commenting, the support is appreciated. For further Guidance and tips about Bitcoin and other Cryptocurrencies, feel free to send me a DM on WHATSAPP whenever you can. + 1 (530) 738-1145
Figuring out my "guilt free spending" amount was the MOST empowering and helpful tool when I started budgeting. It feels like parenting yourself a little bit, but it's literally an allowance and it makes me so much more relieved to know that I can afford to buy the things I want sometimes! It also forces you to be more conscious in your purchasing decisions, and intentional. Do I want to buy this now? or next month? Will I still want it then? etc etc. Great video!!
If you are reading this, I hope you have an amazing day and I hope that you find the inspiration to pursue your passions and your dreams. Just remember, you can do it ❤️❤️❤️
it just hit me when you say that the best thing about making money is to spend them, because all this time I feel guilty if I spend my money to buy clothes/games, its like I think all of the money I make is to invest.
Thank you SO much for all the budgeting videos Elena! I'm 19 and about to be in my last year of college and I've been trying to be more intentional about saving money instead of spending it all on starbucks😂 Thanks to you I opened a Roth IRA, invested in stock, and have an emergency fund!
Elena, in mint, if you filter each months transactions by category (ie restaurants) there is a small link at the bottom right to export all the transactions to excel. which you can directly copy and paste into your custom spreadsheet if you delete a few of the columns. Would probably save you some time, instead of manually inputting every transaction individually
Thank you SO much. This is so useful, as well as all of your other finance education videos! I would LOVE a template of your spreadsheet & i'm sure many others would love that too.
This video inspired me to take the morning to build the spreadsheet of all spreadsheets and finally get on top of my budgeting/finance goals! This is such practical but important advice. Thanks, Elena!
Yes! The word budget also doesn't have to be a negative word - it should be thought of as a neutral and something you are in control of! It doesn't just mean it's restrictive - it's just how your money works for your life!
Hello ! Thanks for Watching and Commenting, the support is appreciated. For further Guidance and tips about Bitcoin and other Cryptocurrencies, feel free to send me a DM on WHATSAPP whenever you can. + 1 (530) 738-1145
First time watching your videos. Thank you! I love how helpful it was but most importantly how relatable you made it. Thank you Elena! you got a new subscriber!
Elena, just wanted to share how I use mint and deal with the whole Venmo situation (Ik its super annoying). I understand why you have mint + the spreadsheet at the end of the month but tbh it sounds a bit redundant to me to do all the categorizing in mint but then have to copy paste everything in excel. I simply manually categorize my venmo transactions, and for everything else I have set "rules", so its pretty much automated. I only do this twice a week and it takes me ~5 mins to categorize all my venmo transactions in the correct budget category. After which, you can export everything into a spreadsheet already categorized in the correct place if you wish. Also, mint already has the feature where you can compare any month with any previous month as well. Just sharing my two cents! Thank you for the video, always enjoy watching your stuff!
Loving all your personal finance content!! -- Question for everyone: I'm curious, when budgeting, do you all compare your earnings from last month to this month's expenses (since you're technically using the money you got from your paycheck from last month) OR do you all compare your earnings that you will be getting this month to this month's expenses? (I hope this makes sense)!
Hello!!! I personally compare it with money from last month, since is the money that I have available. For example: 1st of Sept I get money into my account from August, and I make my budget from there for that month. Otherwise, I would be playing with money that I don't have, which could lead to a disaster hahaha. Hope this makes sense!
I think this was very helpful to me. I have Mint and did not know what to do with it in conjunction with other budgeting tips you gave it's super great and helpful!
Thank you for this video!! I will move countries for uni on august and your videos have been so helpful to start figuring out how to manage money and live on my own for the first time.
🌟 I really enjoyed the way you explained it. Tips For Creating An Effective Budget- 1. Know The Purpose Of Your Budgeting 2. Make an Irregular Expense Plan 3. Know Your Income 4. Determine Your Monthly Spending 5. Set Reasonable Goals 6. Track Your Spending 7. Try Out Different Budgeting Plans 8. Create An Emergency Fund 👉 Stay connected & keep up the great work.
thanks for this! i had a budget spreadsheet while I was in college and was thinking I wanted to create a new one that was designed better for my life now post-grad. I'm going right now to make one similar to yours!!
Hello ! Thanks for Watching and Commenting, the support is appreciated. For further Guidance and tips about Bitcoin and other Cryptocurrencies, feel free to send me a DM on WHATSAPP whenever you can. + 1 (530) 738-1145
Hi good morning 🌞 good teaching thinking and how and to pick up your self in your personal activities in the life excellent discreptions and sajetations polite and sweetness in the precipitations God bless 🙏
Hello ! Thanks for Watching and Commenting, the support is appreciated. For further Guidance and tips about Bitcoin and other Cryptocurrencies, feel free to send me a DM on WHATSAPP whenever you can. + 1 (530) 738-1145
Hello ! Thanks for Watching and Commenting, the support is appreciated. For further Guidance and tips about Bitcoin and other Cryptocurrencies, feel free to send me a DM on WHATSAPP whenever you can. + 1 (530) 738-1145
Would you be interested in posting a downloadable excel budget template to your blog or something? I want to start on this but I’ve never really used excel before and I think it would be super helpful to have something I could just plug my numbers into! 😊
hey elena - really enjoyed this video! i thought i knew how to budget before but this was a great video to help reassess my budget and put into perspective meaningful budgeting!! graphics are killer too :)
Hello ! Thanks for Watching and Commenting, the support is appreciated. For further Guidance and tips about Bitcoin and other Cryptocurrencies, feel free to send me a DM on WHATSAPP whenever you can. + 1 (530) 738-1145
Have a goal Look at your bank statements for the past 3 months Break down expenses 50 to needs (rent, bills, groceries) 30 goes to wants (restaurants, games) 20 goes to savings Spend less than you earn
This is the standard Financial Order of Operations priority list for budgeting: Necessities Starter Emergency Fund (1 month of necessities) High Interest Debt Full Emergency Fund (3-6 months of expenses) Retirement Accounts (20% of gross income) Optional Spending
Hello ! Thanks for Watching and Commenting, the support is appreciated. For further Guidance and tips about Bitcoin and other Cryptocurrencies, feel free to send me a DM on WHATSAPP whenever you can. + 1 (530) 738-1145
A tip that I have is to hold most of your money in your savings account instead of your chequings account! So when you go to spend money, you are forced to look at your bank account to transfer money over and it almost makes you feel a little guilty. It's also slightly annoying which deters you from spending more lol
I did this! But I transferred a little at a time, which led to like 6 transfers a month so they closed my savings acc lol😩🥲
@@haleylage8642 I know this would happen to me 🤣🤣
a lot of savings accounts also have incentive to keep your balance higher at the end of the month than the beginning! mine has bonus interest rates that are dependent on fulfilling that condition
❤
I did this for awhile, but some banks will hold that against you so look into the bank you have & see first
I just spent 2 hours making a budget of the past 3 months. I keep telling myself I need a budget but haven't found my platform to keep track of my spending. After watching this video I love the excel idea just being able to see laid out. Hopefully this will stick! Love watching your Financial videos!
Hello ! Thanks for Watching and Commenting, the support is appreciated. For further Guidance and tips about Bitcoin and other Cryptocurrencies, feel free to send me a DM on WHATSAPP whenever you can. + 1 (530) 738-1145
Figuring out my "guilt free spending" amount was the MOST empowering and helpful tool when I started budgeting. It feels like parenting yourself a little bit, but it's literally an allowance and it makes me so much more relieved to know that I can afford to buy the things I want sometimes! It also forces you to be more conscious in your purchasing decisions, and intentional. Do I want to buy this now? or next month? Will I still want it then? etc etc. Great video!!
If you are reading this, I hope you have an amazing day and I hope that you find the inspiration to pursue your passions and your dreams. Just remember, you can do it ❤️❤️❤️
it just hit me when you say that the best thing about making money is to spend them, because all this time I feel guilty if I spend my money to buy clothes/games, its like I think all of the money I make is to invest.
Same
Thank you SO much for all the budgeting videos Elena! I'm 19 and about to be in my last year of college and I've been trying to be more intentional about saving money instead of spending it all on starbucks😂 Thanks to you I opened a Roth IRA, invested in stock, and have an emergency fund!
my motivation to budget is to move out!! It's really expensive to live in NYC and Im still living at my parents!!
Thanks for watching
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Literal definition of brains and beauty
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Hi Elena! Please do another 'what I spend in a week' video - it's how I found your channel! :)
Great idea!!
Elena, in mint, if you filter each months transactions by category (ie restaurants) there is a small link at the bottom right to export all the transactions to excel. which you can directly copy and paste into your custom spreadsheet if you delete a few of the columns. Would probably save you some time, instead of manually inputting every transaction individually
Ah amazing! I need to try this out
U r the big sister that i never knew I needed 😭❤️❤️❤️
*me taking restaurant recommendations from your budget spreadsheet* 😂
HAHAHA
Thank you SO much. This is so useful, as well as all of your other finance education videos! I would LOVE a template of your spreadsheet & i'm sure many others would love that too.
This video inspired me to take the morning to build the spreadsheet of all spreadsheets and finally get on top of my budgeting/finance goals! This is such practical but important advice. Thanks, Elena!
I hope you reach your goals!!
@@marydoeslife14 Thanks so much
Yes! The word budget also doesn't have to be a negative word - it should be thought of as a neutral and something you are in control of! It doesn't just mean it's restrictive - it's just how your money works for your life!
Ahh this is very helpful for someone just starting to get into adulting, thank you Elenaaa 😭❤️ Really appreciate it and have a nice day!!!
Budgeting will be so helpful if you're just starting to adult!
QUEEN I NEEDED THIS!!! YOU HAVE NO IDEA HOW MUCH THIS HAS HELPED!!!
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Love, love, loved this video, Elena! So informative and empowering. Makes me want to embody Cher's *rich man* energy!
Hello ! Thanks for Watching and Commenting, the support is appreciated. For further Guidance and tips about Bitcoin and other Cryptocurrencies, feel free to send me a DM on WHATSAPP whenever you can. + 1 (530) 738-1145
Wow I was today years old when I learned how to budget....this was amazing and so helpful! I look forward to seeing more of your content! :)
Can we download this spreadsheet and adapt it to our lifestyle? That would be really helpful
@Elena Taber ??? is that the template?
@@lillyhammer3342 it’s a bot - ignore it
@@lillyhammer3342 thanks for this:)
@@lillyhammer3342 thanks
i was thinking the same thing!
First time watching your videos. Thank you! I love how helpful it was but most importantly how relatable you made it. Thank you Elena! you got a new subscriber!
Elena is now mum periodt♥️♥️😭😭😭😭
I just deleted her comments 🌚 but it’s sooo true!!! I looove her content, I always learn so much❤️❤️🥰
@@EnyaKellermann i am myself a bot, a smarter one, programmed to stalk scambots and annoy the hell out of them
I’m going to use the spreadsheet technique now. Thanks 👍
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this is SOOOO helpful. Inspired me to make a spreadsheet. Would love to see how you do business budgeting or if it is all in one account?
i'm starting uni in september, so this came in at the perfect time! :)
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needed this because im terrible at it 😭 always giving us the content we need right when we need it
Elena, just wanted to share how I use mint and deal with the whole Venmo situation (Ik its super annoying). I understand why you have mint + the spreadsheet at the end of the month but tbh it sounds a bit redundant to me to do all the categorizing in mint but then have to copy paste everything in excel. I simply manually categorize my venmo transactions, and for everything else I have set "rules", so its pretty much automated. I only do this twice a week and it takes me ~5 mins to categorize all my venmo transactions in the correct budget category. After which, you can export everything into a spreadsheet already categorized in the correct place if you wish. Also, mint already has the feature where you can compare any month with any previous month as well. Just sharing my two cents! Thank you for the video, always enjoy watching your stuff!
Thanks for watching
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Loving all your personal finance content!! -- Question for everyone: I'm curious, when budgeting, do you all compare your earnings from last month to this month's expenses (since you're technically using the money you got from your paycheck from last month) OR do you all compare your earnings that you will be getting this month to this month's expenses? (I hope this makes sense)!
Hello!!! I personally compare it with money from last month, since is the money that I have available. For example: 1st of Sept I get money into my account from August, and I make my budget from there for that month. Otherwise, I would be playing with money that I don't have, which could lead to a disaster hahaha. Hope this makes sense!
@@estefaniaramirez6626 That makes sense, thanks for sharing! :)
Your videos have really helped make this less daunting. Thank you
I think this was very helpful to me. I have Mint and did not know what to do with it in conjunction with other budgeting tips you gave it's super great and helpful!
Thank you for this video!! I will move countries for uni on august and your videos have been so helpful to start figuring out how to manage money and live on my own for the first time.
🌟 I really enjoyed the way you explained it.
Tips For Creating An Effective Budget-
1. Know The Purpose Of Your Budgeting
2. Make an Irregular Expense Plan
3. Know Your Income
4. Determine Your Monthly Spending
5. Set Reasonable Goals
6. Track Your Spending
7. Try Out Different Budgeting Plans
8. Create An Emergency Fund
👉 Stay connected & keep up the great work.
thanks for this! i had a budget spreadsheet while I was in college and was thinking I wanted to create a new one that was designed better for my life now post-grad. I'm going right now to make one similar to yours!!
This was so helpful!! Thank you!
this was really helpful!! I never think about this stuff but I really should, definitely downloading the mint app now. thx queen
Hello ! Thanks for Watching and Commenting, the support is appreciated. For further Guidance and tips about Bitcoin and other Cryptocurrencies, feel free to send me a DM on WHATSAPP whenever you can. + 1 (530) 738-1145
momma elena pulled THROUGH
Great video! I’ve been really trying to get better with my spending and your method seems like the jump start I need 😊
Sooooo helpful!! The video we all N E E D ♥️👌🏻💁🏼♀️ thanks Elena
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Thank you so much for this Elena ❤️
Thanks for watching
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Thank you for this video! I absolutely love your videos
Super helpful as always!! I get so motivated and inspired by your videos!!
Hi good morning 🌞 good teaching thinking and how and to pick up your self in your personal activities in the life excellent discreptions and sajetations polite and sweetness in the precipitations God bless 🙏
i feel like this is irrelevant but i can't get over the fact how your eyes match so well with the color of the wall
sooooo fantastic!!! thank you!!!!
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Can you do a video about the best ways to start paying off student debt?
Great information for beginners! 🔥
this video was so helpful! thank you, I've been struggling to start saving my money cause its super overwhelming.
Hey Kelly, I could help you build a budget for free if you would be interested!
Elena! 😄 always love watching u!
Hello ! Thanks for Watching and Commenting, the support is appreciated. For further Guidance and tips about Bitcoin and other Cryptocurrencies, feel free to send me a DM on WHATSAPP whenever you can. + 1 (530) 738-1145
This is so helpful, thank you!!
Hello ! Thanks for Watching and Commenting, the support is appreciated. For further Guidance and tips about Bitcoin and other Cryptocurrencies, feel free to send me a DM on WHATSAPP whenever you can. + 1 (530) 738-1145
Would you be interested in posting a downloadable excel budget template to your blog or something? I want to start on this but I’ve never really used excel before and I think it would be super helpful to have something I could just plug my numbers into! 😊
Hi Mary! There are some really good one on Pinterest or if you just search on google :) hope this helps
Great video!
hey elena - really enjoyed this video! i thought i knew how to budget before but this was a great video to help reassess my budget and put into perspective meaningful budgeting!! graphics are killer too :)
I would like to thank you personally for the tremendous work that you are doing. Thank you very much. I am proud of you, I hope.😂
I love a good budget video girl! Thank you sooo much!
Yes, i saw it,Cher is a legend😌💅❤️
I love these videos, could you maybe do one specifically for students?
Thank you! This was so helpful. :)
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Can you do a video about index funds pleaseeee
the perfect video edition my goodness
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Love the finance videos!!! More please 🖤
Thanks for watching
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Anybody know the song at 3:11? I have no idea how to find it but I love it so much 😅
love this vlogs following you more than a year Ellena!!
Thanks for watching
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tysm!
any chance you could do a video on how to use vanguard and the mistakes to avoid and tips to use?
nice Video budgeting changed my life and i do it as well
would you consider sharing your excel spreadsheet as a template (blank)? It would be so helpful!
*instantly clicks on video*
this was so helpful thank you!!
Agreed ❤️
Loveeee vids like this!
Thanks for watching
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Thank you, Elena for this video! You create a really nice and useful content 👌👍
Thanks for watching
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Awesome video, it's always nice to see how others budget. But quick question how much should I budget for your merch? 20$, 50$, 100$???
this video was exactly what i needed thank you so much 🖤🖤
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Great video!!!! 🔥🔥🔥🔥
Thanks for watching
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love you elena
Thanks for watching
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Thank you!!
Hello ! Thanks for Watching and Commenting, the support is appreciated. For further Guidance and tips about Bitcoin and other Cryptocurrencies, feel free to send me a DM on WHATSAPP whenever you can. + 1 (530) 738-1145
Have a goal
Look at your bank statements for the past 3 months
Break down expenses
50 to needs (rent, bills, groceries)
30 goes to wants (restaurants, games)
20 goes to savings
Spend less than you earn
This is the standard Financial Order of Operations priority list for budgeting:
Necessities
Starter Emergency Fund (1 month of necessities)
High Interest Debt
Full Emergency Fund (3-6 months of expenses)
Retirement Accounts (20% of gross income)
Optional Spending
Nice new background.👍🏽
Thanks for watching
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Is there a way do have like a template for this so u don’t have to redo the spreadsheet every month w formatting???
Thanks for watching
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Would you mind sharing a template for the budget tracker you made on excel? Their templates really over complicate the process for a beginner.
Hi! You can also find some good templates on pinterest :)
3 months of bank statements: gas, Wendy’s and bts merch
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Hi Elena. 🖤
Hello ! Thanks for Watching and Commenting, the support is appreciated. For further Guidance and tips about Bitcoin and other Cryptocurrencies, feel free to send me a DM on WHATSAPP whenever you can. + 1 (530) 738-1145
Thanks mom
Hi, does anyone happen to have this spreadsheet template? Please
I dont have her template but I can make you a budget for free if you'd like!
The editing that makes ur voice faster reminds me of ashley bestdressed
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Looking so pretty
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I do it with 50% expenses, 40% savings and 10% wants.
Can you send a template
docs.google.com/spreadsheets/d/1tGQb41EMOiUeDNcRGOIlI6nXkjLBfcq7HTOnxW9YpCs/edit?usp=sharing I created a template
@@lillyhammer3342
How is your WiFi just $30! Wow. Mine is $176 with xfinity 😫
Good video
Thanks for watching
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My girl.photogenic face photogenic girl❤️🥺
I wish I wasn't almost 30 when you started making these videos 😅
MOM, I AM A RICH MAN
It's never too late to start budgeting and saving some of those coins!
Don't want to be a party pooper, but I'm a bit older than you and we learned this SUM function when we were 10 or something in elementary school... :O
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Why did you delete your vlog video
Thank you for blessing us with us ✨🤍
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I absolutely love your finance videos! Do you think you could do a crypto currency 101 video?
omg I just had an exam this morning on budgeting lol
Hope your exam went well!
@@marydoeslife14 sadly it didn't, but thank you lovely
not me coming back to this video two years later because I'm going to be a real adult😭
💗💗💗💗💗
Sharing
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“If you don’t budget your spending
you’ll spend your budget”