OCTOBER BUDGET WITH ME 💰 no spend, mortgage free update, business expenses + travel 💸

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  • Опубликовано: 12 дек 2024

Комментарии • 81

  • @yrbzl
    @yrbzl 2 месяца назад +16

    I looove the chatty content, i understand why you might be anxious about it, but it’s my favourite content of yours!!! xx

    • @smileycitrus
      @smileycitrus  2 месяца назад

      thank you 🥹 this is the reassurance I needed haha xx

  • @micheller2696
    @micheller2696 2 месяца назад +5

    I love chatty videos when I know that’s what they are. Those are the videos I watch while doing chores. The only time I don’t like them is when I’m not expecting it. I like to be active when I’m really only listening. Video titles make such a difference here.

  • @adriennb
    @adriennb 2 месяца назад +5

    I swear the second half of the year always goes faster the the first half - crazy it is October already. Can't wait for the travel vlogs! ❤

    • @smileycitrus
      @smileycitrus  2 месяца назад +1

      right?! idk what it is but Jan-Mar feels like 6 months 😅

    • @allee541
      @allee541 2 месяца назад +1

      Agreed

  • @tara__mon
    @tara__mon 2 месяца назад +3

    You’re one of my favourite people on RUclips and I just love seeing you succeed. Really look up to you👏

    • @smileycitrus
      @smileycitrus  2 месяца назад

      you're so kind 🥹 thank you so much 🤍

  • @haylou6707
    @haylou6707 2 месяца назад +6

    Love seeing the graphs on your spreadsheet! 🤓

  • @AshleyJade18
    @AshleyJade18 2 месяца назад +12

    **Whispers** Hey Nick, buy Ella an espresso cup with a spout for Christmas **Whispers** 0:17 🤭

    • @smileycitrus
      @smileycitrus  2 месяца назад +4

      HAHAHA it's a necessity at this point

  • @kateaustin1357
    @kateaustin1357 2 месяца назад +2

    I love your chatty videos!!! And the speed of which you chat lol 🤣 congrats on hitting your extra mortgage goal this month too - that’s so exciting. Can’t wait to see vlogs from your trip to Europe 🫶🏼

    • @smileycitrus
      @smileycitrus  2 месяца назад +1

      haha thank you!! I hope you have a fab month ❤️❤️

  • @TaylahLouiseBudgets
    @TaylahLouiseBudgets 2 месяца назад +1

    I’m so excited to see your upcoming travels and to live vicariously through you while I’m back at work x

    • @smileycitrus
      @smileycitrus  2 месяца назад +1

      I actually can't wait 😭 hope you had the best time away!!

  • @emmaododd
    @emmaododd 2 месяца назад

    I love all of your videos! I may not get around to watching them all but, you inspire me to do no spend weeks and to sort through my income and expenses! you are so wonderful :)

    • @smileycitrus
      @smileycitrus  2 месяца назад

      aw thank you so much 🥹❤️

  • @emmawright200
    @emmawright200 2 месяца назад +1

    About the screen time, there is a way you can see your screen time from other weeks, you can go into settings on your phone, and then search for screen time. Then switch the tab to week and then to see the screentime from other weeks, you can go back and forth by scrolling the weekly graphs, but it only does it for the last month (I think), at least that is how you find that out on my iPhone 11.

    • @smileycitrus
      @smileycitrus  2 месяца назад

      oh I'll try that! thank you! x

  • @hanskii88
    @hanskii88 2 месяца назад

    Ella your channel is so addicting I love these videos and finally understand how to budget monthly!!!

  • @emmawright200
    @emmawright200 2 месяца назад +5

    Notification squad, where u at? Here from RUclips notifications! Already liked the vid EVEN b4 watching as I know I will ❤ it!

  • @lisakleeman
    @lisakleeman 2 месяца назад +1

    A budget is just a spending plan 👌🏻

  • @Coralie_Anne
    @Coralie_Anne 2 месяца назад +1

    Oh how I love a good budget video!

  • @antoniak7455
    @antoniak7455 2 месяца назад

    Love the chatty content.
    I'm recovering from a gastric bypass (which cost a pretty penny), so Oct is hopefully going to be a no spend month. I am saving for new clothes in a few months 😊

    • @smileycitrus
      @smileycitrus  2 месяца назад

      sending all the love & healing your way!

  • @yollipop1993
    @yollipop1993 2 месяца назад +1

    Do you have a video on how you first combined finances? My partner and I have made that step and setting it up has been so hard. We're basically starting fresh and any savings we have stays with us but from now we're putting all our income into one account but the logistics with using our credit card (which we've already been using but seperately) is a logistical nightmare.

  • @RuebenNomura
    @RuebenNomura 2 месяца назад +1

    Morning from Hawaii that was a good October budget on this video

  • @largedoubleshotlatte
    @largedoubleshotlatte 2 месяца назад

    Have you got links to the surveys you do? I can see any on your socials x

  • @meganhallier
    @meganhallier 2 месяца назад

    So helpful! P.s. this blue shirt looks so pretty on you ☺

  • @milkberri
    @milkberri 2 месяца назад

    Hi Ella, I was wondering how you go about budgeting for your business expenses like all the software ect. Do you use the same google sheet? Thanks 😊

    • @smileycitrus
      @smileycitrus  2 месяца назад +1

      Hi! I track on google sheets in a seperate spreadsheet and then my account takes care of the rest 😅

    • @milkberri
      @milkberri 2 месяца назад

      Ah okay!! 😊 Thanks for the reply ❤

  • @JimillaHoughton
    @JimillaHoughton Месяц назад

    Do you have an online ETF that you would recommend? I was looking at Vanguard but not sure. I just want something easy that I can contribute like $50 a week too. Also what online surveys do you do? any websites that you recommend? I love your content. Thanks so much for sharing.

  • @kymcoote6769
    @kymcoote6769 2 месяца назад

    Do you wear a smart watch to manage your fitness and activity, what do you recommend? Apple or generic not expensive?
    Also I really want to travel to the Kimberley’s next year this looks so expensive especially as a single, thoughts and strategies?

    • @smileycitrus
      @smileycitrus  2 месяца назад

      I have an apple watch and I love it!
      For the Kimberley's a group tour is definitely the move - they sometimes have specials on single spots left + there are special sales throughout the year, you just have to keep your eye out

  • @ellamorrison2408
    @ellamorrison2408 2 месяца назад

    Have been looking your videos! You may have answered this before but where are your prints from behind your dinning table?

    • @smileycitrus
      @smileycitrus  2 месяца назад

      thank you!! the prints are from Etsy 🫶🏼

  • @edenhaylee3575
    @edenhaylee3575 Месяц назад

    Love these! How do you put something you saved for in your spread sheet? Example- when you saved for vacation over 3 months, and spend that money in October, how does that go on the spreadsheet so it doesn’t look like you spent a ton of THAT months income Since it was already saved? If that makes sense lol

    • @smileycitrus
      @smileycitrus  Месяц назад

      Hi! you just do a minus e.g. you've saved $5000 in your holiday savings category across the year, then this month you want to take from the savings so in the spending tracker you go -5000 from holiday fund and it will appear in the "left to spend" and you can track as you normally would. Hope that makes sense!

  • @livefreediepretty
    @livefreediepretty 2 месяца назад

    I've been told leave loading is meant to help even out those who taking leave instead of getting plenty rates. Eg taking annual leave on a Saturday you don't get the plenty rates you usually get

    • @smileycitrus
      @smileycitrus  2 месяца назад +1

      that makes sense! Nick just doesn't get any penalty rates nor works the weekends so it doesn't make sense in that instance 😅 no complaints though 🤑

    • @isabellagiffardphotography
      @isabellagiffardphotography 2 месяца назад

      @@smileycitrus i wondered about leave loading myself as I never understood why we get paid more going on holidays so I looked it up and it's because we might have more expenses / spend more in general when we go on holidays so it's supposed to cover that.

    • @smileycitrus
      @smileycitrus  2 месяца назад

      @isabellagiffardphotography haha so fascinating!!

  • @allee541
    @allee541 2 месяца назад

    Hi Ella I am planning a UK trip next year and the currency difference was surprising. Will be great to see your vlogs for your travel. I am looking at London and surrounds and then Scotland. Do you know does it cost less to when we are there to outweigh the conversion a bit. My Aussie dollars won't go far if I am still paying similar to Aussie prices.

    • @smileycitrus
      @smileycitrus  2 месяца назад

      Hi! how exciting! Having a look online, I've noticed that most things are about 50% cheaper than here which helps with the exchange rate. I've heard London can be quite $$$ but I'll do a full budget breakdown when I get back 💰

  • @rebekahalderson6270
    @rebekahalderson6270 2 месяца назад

    Loving your videos, i budgeted for an outdoor setting and got one from barbecues galore and bonus saved $500.

    • @smileycitrus
      @smileycitrus  2 месяца назад

      thanks lovely! that's an amazing deal 😍

  • @GeorgeiaIN
    @GeorgeiaIN 2 месяца назад

    Don’t make the mistake of going through all the effort of mounting your TV just to realise it’s too small and that you want to upgrade/ upsize!! We made this mistake 🤦‍♀️
    Make sure you invest in a mount that caters for your current tv AND up to much larger one! also one that has a tilting function to reduce glare from the beautiful sun you guys get ❤

    • @smileycitrus
      @smileycitrus  2 месяца назад

      haha don't worry! my dad is onto it 🫡

  • @mahalialovell9123
    @mahalialovell9123 2 месяца назад

    I’m sure you’ve already answered this somewhere but, do you have a recipe for the syrup you add to your coffee at the start?

    • @smileycitrus
      @smileycitrus  2 месяца назад +1

      I do! it's in my spring days vlog 🥰

  • @michellebakic4202
    @michellebakic4202 Месяц назад

    Within your bank acc you can make other folders..ive got ..pension./bills..then gas and electricity..car matinance..spending..emergency..that's my folders..as for no spending ...that's me never spend on nothing.sad..

  • @edwardleecaliforniausa
    @edwardleecaliforniausa 2 месяца назад +1

    Hi Ella how are you happy Tuesday night to you and I enjoy your channel and you are amazing supporter

  • @Bornraisedfloridian
    @Bornraisedfloridian 2 месяца назад +1

    Florida ❤

  • @BriBri0218
    @BriBri0218 2 месяца назад

    How are you spending so little on groceries/household 😭 my partner and I in QLD spend $800-$1050 a month

    • @smileycitrus
      @smileycitrus  2 месяца назад +1

      we do eat out at least once a week! but otherwise, we always shop the sale sections, meal plan, do a weekly food shop rather than going several times a week and eat a lot of veggie meals bc meat gets expensive

  • @suzanyahsi7687
    @suzanyahsi7687 2 месяца назад

    Your videos got my attention and I really like them. Thank you for that. As I really like the templates you're using, I bought them immediately. BUT.... as I,m an oldy (not in my eyes, but compared to your age 😅) I,m not very familiair with how it works. I used to work with Excel, but just the basic stuff. So here's my question: How do you insert the small images next to your descriptions?
    Keep up the good works, and I wish my kids were budgeting their money as you do.

  • @jy8985
    @jy8985 2 месяца назад

    ❤❤❤❤

  • @moonmother.
    @moonmother. 2 месяца назад

    💖

  • @christinebourlioufas1336
    @christinebourlioufas1336 2 месяца назад

    That is a very cheap electricity bill may ask who you are with?

  • @jairohernandez7957
    @jairohernandez7957 2 месяца назад

    Cute af

  • @christinebourlioufas1336
    @christinebourlioufas1336 2 месяца назад

    Geez why do you talk so fast

    • @smileycitrus
      @smileycitrus  2 месяца назад +25

      sorry Christine, I guess I was just born this way

    • @christinebourlioufas1336
      @christinebourlioufas1336 2 месяца назад

      @@smileycitrusthen why do RUclips if people cannot understand what your saying . Smart arse answer by the way

    • @smileycitrus
      @smileycitrus  2 месяца назад +3

      there's a playback speed function on RUclips for this reason Christine

    • @tareegibson9351
      @tareegibson9351 2 месяца назад +2

      I would argue your comment was rude and warrants the proportionate response Christine.

    • @christinebourlioufas1336
      @christinebourlioufas1336 2 месяца назад

      @@tareegibson9351 I wouldn’t say it was rude everyone can voice their opinion lovely

  • @kirrilyjackson7111
    @kirrilyjackson7111 Месяц назад

    ❤❤❤