Yeah I hope you do too. And it’s amazing that you can keep your job and career. Kids won’t be little for long so enjoy every moment. Love your real videos. Xx
I'm a 34 year old soon to be mum of 2 in July, and adore your real content!!! There is such a need for this budgeting & finances & life admin content - certainly in a cost of living crisis & the smoke & mirrors of social media lifestyles - i wish I had someone like you to follow in my 20s..You will be successful on your full time youtube journey, pleased you've made the jump & believe in yourself. You will add so much value. xx
Shan I’ve always followed these budgeting videos they are so helpful and relatable! One thing I found really great was comparing breakdown cover on a compare the market thing I paid £22 for this year and £21 last year (and had to call them out) Brands like AA and green flag are really expensive so worth shopping round Also so much cheaper than going through your car insurer for those that do that Worth checking as rhat would save you a lot every month!
Hi Shan. Loved this video, my maternity leave will start from September. You may want to look into critical illness cover now that you are solely self employed as you won't receive any sick pay if the worst was to happen and you did have a long term illness. A payment of £14 per month would suggest its just life insurance at the moment. X
How did you find the confidence to start your RUclips channel without being judged by friends and family and I would love a video of how to start a RUclips channel and the behind the scenes ❤
Love your budget videos :) please can you do a video on your mortgage repayments overpayments etc! It would be helpful :) as well as paying into a pension self employed person! x
I really appreciate transparent finance videos like this, I'm a bit of a personal finance geek myself! I would just say don't forget that self employed people also pay national insurance as well as income tax :)
The nursery funding is nice, even if it's just for a few hours.. I'm in South Africa and you don't get any of daycare paid... 🤦🏻♀️ I'm so glad to be working from home.. My son's daycare is very close, so it's not much petrol monthly.
I get the idea of using hyperjar to separate pots but surely you'd be much better off putting any savings into an instant access savings account to generate interest? You could still track "pots" using a spreadsheet.
I definitely take this on board, my husband uses Monzo and they also have a “pots” feature that you can get interest on! They’re next day withdrawals though so not an instant access account xxx
This is what I do. I have a savings account and an instant access account, but a spreadsheet for both, so my 'pots' are just managed and tracked on those. I also keep my spreadsheets upto date throughout the month (do it once a week) and track all my spending so I know if I'm going over in a particular area. X
You’re not taking into account your personal tax free allowance though? So it wouldn’t be £600 tax as you haven’t taken off your tax free allowance every month. For the year it’s £12,570 Tax free allowance
Can I ask about mat pay and also getting self employed income. Last time I was on maternity leave (I’m self employed) it said I couldn’t earn anything apart from 10 KIT days. But it seems you’re able to earn normal income each month plus mat pay? I’m hoping I can do this next time as we couldn’t survive on the mat pay alone.
Is hyperjar an actual banking app or does it just draw information from your banks (like snoop?). I so badly want to use it but dont want to miss out on good interest rates from normal banks
Hi Shan, I love your channel! Do you have a hyperjar referral code as I've been thinking about doing it and decided to go for it (I need the old fashioned "money split into envelopes" approach my Nanny used to do!
Do you find you are the one always driving the kids ? Like if it work for you but if you always driving the kids then maybe petrol should be in joint ?
Can I ask what age the funding comes in down south? I’m in Scotland and my son turns 3 in September but doesn’t get any funded childcare until January! I didn’t realise it was so different elsewhere in the UK. Love your budgeting videos 😊
I hope you reach the 3k income. I'm here to support, like and watch your ads. I love the videos!
Thank you so much! You have no idea how much this means 🥹
Yeah I hope you do too. And it’s amazing that you can keep your job and career. Kids won’t be little for long so enjoy every moment. Love your real videos. Xx
@@marinamelling9799 thank you so much!!🥹🥹
I'm a 34 year old soon to be mum of 2 in July, and adore your real content!!! There is such a need for this budgeting & finances & life admin content - certainly in a cost of living crisis & the smoke & mirrors of social media lifestyles - i wish I had someone like you to follow in my 20s..You will be successful on your full time youtube journey, pleased you've made the jump & believe in yourself. You will add so much value. xx
I’m going to go back through and re binge watch your older video’s. Here to support your channel. Hopefully you reach your goals
Omg this is soooooo lovely of you!! Thank you so much! You guys are honestly the best 🥹🥹
I have been binge watching all your videos the last week. Defo here to support your channel. LOVE your videos ❤ xx
Shan I’ve always followed these budgeting videos they are so helpful and relatable!
One thing I found really great was comparing breakdown cover on a compare the market thing
I paid £22 for this year and £21 last year (and had to call them out)
Brands like AA and green flag are really expensive so worth shopping round
Also so much cheaper than going through your car insurer for those that do that
Worth checking as rhat would save you a lot every month!
This was so helpful, thank-you!
That ascent and smile ❤
Cheering you on all the way 🙌🏼 You are killing it on instagram these days!
Perfect video as I’m currently on unpaid maternity leave, so budgeting is vital at the moment! Thanks Shan 👍🏻
Hi Shan. Loved this video, my maternity leave will start from September. You may want to look into critical illness cover now that you are solely self employed as you won't receive any sick pay if the worst was to happen and you did have a long term illness. A payment of £14 per month would suggest its just life insurance at the moment. X
Love this 🥰 You’re doing amazing ❤️✨
How did you find the confidence to start your RUclips channel without being judged by friends and family and I would love a video of how to start a RUclips channel and the behind the scenes ❤
I would love to see this too. ❤️
Love your budget videos :) please can you do a video on your mortgage repayments overpayments etc! It would be helpful :) as well as paying into a pension self employed person! x
I really appreciate transparent finance videos like this, I'm a bit of a personal finance geek myself! I would just say don't forget that self employed people also pay national insurance as well as income tax :)
Thank you so much, and yes, absolutely!!
Shan, I really enjoy this money videos! Keep doing them, you are such an inspiration 😊 thank you! Wish you all the best! Xxx
Shan can you do a quick hair routine? New mum of one here struggling to find the time to style hair. 🙋♀️ yours looks so lush and effortless!
The nursery funding is nice, even if it's just for a few hours.. I'm in South Africa and you don't get any of daycare paid... 🤦🏻♀️
I'm so glad to be working from home.. My son's daycare is very close, so it's not much petrol monthly.
Thanks so much for this! Just wondering what do you do about pension now that you are self employed?
I get the idea of using hyperjar to separate pots but surely you'd be much better off putting any savings into an instant access savings account to generate interest? You could still track "pots" using a spreadsheet.
I definitely take this on board, my husband uses Monzo and they also have a “pots” feature that you can get interest on! They’re next day withdrawals though so not an instant access account xxx
I use Chase savings for my sinking funds. Quite a good interest rate with immediate easy access
@@HomeWithShanwith Monzo premium you can get instant access pots and it’s £15 a month and include phone and travel insurance and other things 😊
Starling bank are great. Instant access, they have a pots feature called "spaces" and good interest rates
This is what I do. I have a savings account and an instant access account, but a spreadsheet for both, so my 'pots' are just managed and tracked on those.
I also keep my spreadsheets upto date throughout the month (do it once a week) and track all my spending so I know if I'm going over in a particular area.
X
Do you have pet insurance, pet food etc ?
Please do a video about savings/investments stocks and shares ISA and kids savings xx
Brilliant video, very helpful thank you. Do yo worry hyperjar goes bust and then lose money? I have downloaded the app then worried about that x
You’re not taking into account your personal tax free allowance though? So it wouldn’t be £600 tax as you haven’t taken off your tax free allowance every month. For the year it’s £12,570 Tax free allowance
Can I ask about mat pay and also getting self employed income. Last time I was on maternity leave (I’m self employed) it said I couldn’t earn anything apart from 10 KIT days. But it seems you’re able to earn normal income each month plus mat pay? I’m hoping I can do this next time as we couldn’t survive on the mat pay alone.
Is hyperjar an actual banking app or does it just draw information from your banks (like snoop?). I so badly want to use it but dont want to miss out on good interest rates from normal banks
It’s a banking app yeah! I transfer my “leftover” money into this account to divide into my jars.
It’s a good point about interest though!
@@HomeWithShan makes sense thank you! I've been hunting high and low for a bank that can match interest rates, but has pots 🤣
Hi Shan, I love your channel! Do you have a hyperjar referral code as I've been thinking about doing it and decided to go for it (I need the old fashioned "money split into envelopes" approach my Nanny used to do!
Do you find you are the one always driving the kids ? Like if it work for you but if you always driving the kids then maybe petrol should be in joint ?
What about pension, if that's something you had through your employer previously?
Was thinking the same! Really key women prioritise pension to reduce lifetime pay gap
Can you use this for Australian $ or is it just pounds ?
Hi
Have you taken your personal tax allowance into account?
Can I ask what age the funding comes in down south? I’m in Scotland and my son turns 3 in September but doesn’t get any funded childcare until January! I didn’t realise it was so different elsewhere in the UK. Love your budgeting videos 😊
Ok I’ve just got to the part where you mention a video about childcare costs … will watch that next!
In Scotland too! I’m pretty sure England get 30 hours a week funded from 2 years old? And about 15 hours from 9month? I could be wrong though!
Do you still have a hello fresh code?
How are your elligible for funding. Ur said ur partner earns more than 80k. Is he earning below 100k? Cuz ur not eligible if thats the case??