My 2023 Financial Trackers | Money Goals & Visual Roadmaps | Aja Dang
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- Опубликовано: 7 сен 2024
- I'm Aja Dang and it's your favorite video of the year! My 2023 money goals, visual roadmaps and financial trackers video. While we are no longer saving for a wedding (thank god) my money savings goals are plentiful and ambitious. What worries me a bit is that my income isn't what it used to be since I took three months off but hopefully the new year comes with new opportunities and I'll be able to accomplish all my goals.
main short term goal:
1. Fund Beyonce
2. Finish bill sinking funds (2024 health insurance, the remainder of 2023 car insurance, 2024 car insurance, dog insurance, joint HSA, holiday sinking fund, local wedding)
3. Save up $10,000 (between Brian and I) for our honeymoney/a international wedding next year
4. Start saving up for a short term move to New York
main medium-term financial goals (these are goals within 5 years):
1. continue to save towards a house (though the urgency is no longer there)
2. save up for a car. I sold poor little Chun Li a month ago so it's time to build a car fund. Currently, sharing one care isn't a big deal so I'm ok for the next few years.
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Hey everyone! Just to clarify my honeymoon budget - while our sinking fund is for $10,000, our total budget for our honeymoon is $15,000 (we've already saved $5k). that being said, Brian and. Ireally do need to figure out our plan so we can get a better grasp as to what we can do within that budget. Thanks for everyones honeymoon suggestions! Keep 'em coming
Love that you comeback to engage and update your community!
regarding an HSA video mentioned in video- yessss would love to see that!
As a European I suggest: Start in London (you might arrive there anyway, I think…?), take the train to Paris, travel to South of France, visit a nice place in the Alps (Switzerland, Austria, Italy), if you have days left choose a chill out place in Italy (maybe one of the islands?).
I personally wouldn’t jet from left to right almost every day, but try to find an organic route where a lot can be done by train.
But In the end the route depends on what you want to experience. Cities? Nature? Artsy and hip or traditional places?
I’m curious what your final plans will look like!
thanks so much for this! Brian and I definitely need to sus out our plans but many people have suggested Switzerland
@@AjaDang Switzerland is crazy expensive with everything! Just a small example, the mobile service is charged differently there, so you can get huge bill afterwards if you are not careful. This summer we were going by car with prepaid (luckily!) sim card through Italy and then France, and all was well until we entered Switzerland and the mobile money was all gone in 30 min cause my 3g was on for maps and it was charged as roaming in Switzerland which I was not aware of. We just left the country on the same day as fast as we could and had dinner on the other side of the border. Truth is, you get the same experience mountains and lakes / food / culture wise with much more reasonable budget in Austria, it's not like you get anything dramatically different in Switzerland but expenses will hurt badly afterwards
Austria and Croatia are glorious.
Aja, you would be ecstatic to know that I used your sinking fund method to fund my Christmas holiday. You were right, it makes Christmas a lot more stress free! I'm moving out of my mom's house next year and I also have an entire "Big Manila Move" sinking fund (fully funded) to dip into for it. Doing it all over again this year for my other goals 🎉
Omg same for the Christmas sinking fund! 3 months on it and never be so stress free for all the expenses !!
Congrats! Those are amazing accomplishments!
Yesss! I love to hear that. I'm so glad you had a stress free holiday!!
New Yorker here! October is a beautiful time to be in the city for the month. The leaves are turning so you have some nice foliage, especially of course in Central Park and Prospect Park, but the weather is still warm enough for long walks, rooftop bars, etc. November tends to get kind of grey and blah, very rainy. October is just chef's kiss.
perfection! Thank you for your honesty!
You having a Beyoncé fund is how I know you're a real one Aja!!! Me and my sisters opened a savings account so we can all chip in towards tickets for whenever that lady decides to announce her tour. I also think one month may be a little short for your time in New York! I may be biased since I'm already living in Brooklyn lol but if you're thinking about New York in the fall, you gotta be here until after early November!
I am starting a Beyoncé fund too and I'm in South Africa. I hope she'll consider a Renaissance tour in SA but either way I'll be ready for whichever location when she finally makes an announcement 🥳
The part people are missing with these RUclips financial advisors is that their financial positions did not improve solely based on this advice- it improved because they started making money from these exact videos we are watching. So of course they can achieve their goals
This might not be true. Not all youtubers make a lot of money from their videos. Plus, there are costs for making these video, like their camera.
I hope she's making money off these videos but that just increases her income not how she manages her finances. If you spend more than you make you will always be broke. I have a much smaller household income than her (no Beyonce tickets here and definitely not in a few months) but I still save for my next car and have sinking funds. Again, on a much, much smaller scale but at the end of the year my household spends less than we make and we are intentional with our money, that's what matters.
It doesn’t matter how much money you make if you don’t manage it properly.
Points for airline travel is the way to go! My husband and I have never spent more than the taxes on international flights in the past 6 or so years since using credit card points for our flights! It’s awesome! You’re spending the money anyway, so why not get rewards for it!
What credit card do you use for this?
I would recommend looking at airbnbs in Hoboken close to the PATH train as well. The ease with which you’ll get into the city (I’m from NYC and have stayed in Hoboken for ease of access to Manhattan) is incomparable.
I have never related so much to someone with their money goals as I do with you. With the want for nicer things on vacations to the way you separate your rush/no-rush goals, I am just so invested in this content
I love to hear that! Took me a while to figure out how to set up my money goals and I’m still adjusting things too
$10,000 for the honeymoon ends up being $350/day for each of you. Once you convert that to the pound or the euro, you'd only have £290/€320 per day based on current exchange rates. Half of your budget could easily be eaten up in hotels and flights within Europe alone. I feel like you need to figure out what you want to do, where you want to stay, etc., and determine the most you'd be willing to spend.
I think it depends on you. I don't live lavishly like they do, so these numbers are just larger versions of my own. But even if the hotel is $300 a night and they spend $2500 on plane tickets, they'll still have several thousand for food and excursions. Calculating it out would be smart for them but I don't think 10k is wildly unrealistic
@@KayGee_yt With those numbers plus the currency exchange, they'd each have about £97/€110 a day for food and activities. Definitely not impossible, but if nicer things are a priority, they need to plan. If they eat 3 meals a day, ~100 can easily be spent just on food.
I’ve been struggling to deal with a clothing shopping addiction as a grad student. I’ll try putting a sinking fund together for the loans I am paying off to get my priorities straight when it comes to my finances! ❤ thank you for always being so upfront about your goals and financial planning, Aja!
Your approach to finances has helped me so much! Appreciation for you as 2022 comes to an end. Sinking funds have just been incredibly helpful and taken so much stress away
love to hear that!
I would suggest to fly to London and then go to Italy for 1,5 week. If you visit more places in 2 weeks, you'll be traveling almost every day. After London go to Tuscany for a week, rent a car and enjoy riding through the Tuscan (postcard)surroundings and spend the last few days in Cinque Terre (including Portofino). With $15000 to spend, you can do a lot in Italy! Within Tuscany my favorite places are Chianti and Montepulciano area. Lucca, Siena and Florence are beautiful cities to visit.
Thanks for your videos, you're really inspiring!
I cackled when you said you have a Beyonce fund. I have one as well. I've had it for years ever since she dropped a surprise album in 2013! She won't catch me (us) slipping!
I'll see you at the renaissance tour!
I seen this and called my sister and told her we need to have a Beyoncé fund😂
I’m watching your video and almost had a heart attack for pet insurance costing $310 per month. In the UK most people pay around £5-£15 per month
Girl, that top is FIRE! SO happy to see that you have found new styles that you love on yourself.
When you go to portofino, take a day to do the cinque terre hike, as you guys are into hiking. Its incredible!
thank you!
Hey Aja, I live part time in Italy and LA. My top recommendations for first timers in Italy: Portofino, Venice, Rome, Sicily. August is the most expensive month to travel in Italy, so avoid it if you can. Happy to share more or answer any questions!
Hi Aja, I just purchased the 2023 dated budget planner (I’m so excited!) but I’m also thinking of getting the digital one. I was wondering how you go about writing in both - do you write on the physical planner and then later write the same things into the digital one? It’s probably a silly question but I’m legit trying to understand 😂 and be better at being organized; more importantly … actually create and stick to a budget so that I can make a few sinking funds. I’d really appreciate the help! 😅 🙏🏻♥️ Appreciate you so much!
We went on a 2 week honeymoon in Italy... Highly recommend checking out Sienna which is a nice old style town I'd you stay in the older side. We loved Florence and stayed there for 5 days... Great food and museums.
We also checked out Venice and Rome which are iconic travel spots.
One thing we didn't do but want to go back to do is to stay in Tuscany at a villa, buy local food, etc. So that's our next getaway plan. 💖
Just coming to your channel and we did the same thing
got married Dec 2022 and too tired to do anything else!
Honeymoon will be soon...lol
But we are refurbishing our house so that's the focus now
Can not recommend Tuscany enough. The wine is incredible; the food is spectacular; and the views - my goodness the views. So stunning. Highly, highly suggest you drive up to Tuscany for a few days (easy trip as it’s central) and do a vineyard/villa experience. So worth it.
My bro and I went to Paris and Rome in November 2019. Back then, we paid less than $3000 for everything. Maybe even less. Our hotel was near the train station and our hotels had breakfast and dinner. We didn’t buy souvenirs or eat at expensive restaurants. We prepaid for attractions. I want to go to London and my gosh the flights are expensive. I definitely will need to save.
Airbnbs are super expensive in NYC because they're illegal. I'd recommend also checking out hotels that allow pets + I've seen some people have luck finding sublets! E.g. someone moving out before their lease is up, or also traveling for a significant chunk of time, rents out their apt so rent is paid :)
Aja I just gotta say it’s so useful to have these videos to accompany the planner - it really inspires me to utilize the planner to it’s fullest.
Thanks girl!
Such a great video! I love the city of Nice in France, beautiful beach and seems to be closer in proximity to Portofino. Lucerne in Switzerland is also a favorite- taking the gondola and/or hiking into the mountains is so inspiring! Very walkable, romantic city.
I would actually love to go back to Switzerland. I appreciate your suggestions!
@@AjaDang hii im from switzerland, just jumping in here :) lucerne is indeed very pretty but it can get really crowded by tourists (it´s kind of an inside joke among swiss people) - one of my favourite cities in switzerland neuchatel, it has a castle, a pretty old town, and is by a beautiful lake where you can go swimming in the summer or even do a boat tour incl. dinner; and then i also have to recommend my city, basel, esp. if you´re into museums :)
Como is a beautiful location for a honeymoon. You can rent a boat and it's one of my highlights when traveling there. They also have good wine tasting options there.
I love my sinking funds! My favorites are my book & craft fund, but the best for Christmas is my gift fund. I had Zero stress about gift money since it was already set aside, plus the fact I start picking up gifts around August, Christmas gifts were a breeze. I too have a wedding fund, not sure when I will end up married but I want the money there when it’s time!
Yes, please do a video on HSA! Curious if that money can be eventually used for other things besides health matters. Thank you in advance!
As a Portuguese that already traveled some european countrys I can only sugest a round trip through Italy. I live in Switzerland so I already had the chance to visit Italy many times so I can tell you that it is the most romantic european country with amazing food, and June is one of the best months to visit because is already warm but still not full with tourists. Capri, Positano, Sardinia and Tuscany are perfect for a Honeymoon :) I don't know how much it costs a plane ticket to Italy but with 10,000-15,000€ you can already do a fancy trip!
This video was amazing ! Super clear and detailed. I have your planner already from last year but now I’m ready and excited to follow along and have start for the new year with as I plan to save big time for this year and towards financial freedom. Would you mind making an updated video on how you split paycheck as self employed / business owner /freelancer and budget for your business please? Thank you Aja and God bless you and Brian!
You should look for a sublease rather than an Airbnb in NY if possible! Will be much more affordable :) Maybe someone would even do a housing swap NY/LA if you're comfortable? A lot of people look for this!
always found your videos inspiring and I followed Dave Ramsey as well (fell off when I stopped driving to work daily at the start of the pandemic) and I still remember your debt-free scream and feeling so proud lol! But yes I agree, going into all this detail is necessary but can be overwhelming and I find myself stopping but really would love to be accountable to a budget in the coming year. thank you always for the inspo, now I need to just do it. I like how you said to design it in a way that makes it fun to do!
Love the way you visualize your goals!!!
Thank you!!
Hi. I would recommend going on a cruise for 7…10 days from Rome ( per person would be around $600 - $1000 - in a suite)
Hi Aja! Just wanted to say thank you for your videos! I have a lot of important things to save up for in 2023 and your videos have been incredibly inspiring!
good luck in 2023!
My Beyoncé bucket is fully funded and READY!
I love these videos! I feel like I've learned so much from you about finances over the years! Thank you Aja!
We just spent $7500 on 12 days in Venice and Florence in October. We didn't travel lavishly and October is shoulder season, so things will be more expensive in June. I would budget closer to $12,000 - $14,000 depending on what you spend on flights.
thanks for your input
for Europe, i'd recommend starting in London then branching out from there. But only very interested as to why Brian may not be able to enter the UK lol! Anyway, you've helped me so much, on my last 1k of debt :) that will be gone come payday
wow, congrats!! What a great way to enter 2023
We did out honeymoon to Europe this year on a 10,000 budget. But if you want a really luxurious trip you will probably need to increase your budget. We managed, but had to do some budget stays to stay within.
how long was your honeymoon?
@@AjaDang 20 days!
For your stay in NY, Manhattan has several appartment hotels that allow pets, for around 250 per night, such as the Candlewood Suite Times Squire.
If you're still looking for spots in NYC, places in western Queens might be affordable as well!
This was very motivational! I’ll map out my 2023 next week
good luck!
You HAVE to visit Florence if you visit Italy. It was my favorite place so cute quaint calm beautiful
Im happy for you and you seem to have a solid plan. Just wanted to let you know since you are getting married in June and most likely vacationing in June. Cost for everything will be more because it's the summer and usually everyone is vacationing during this time. Cost for flights, hotels, and activities can be anywhere from 10%-20% more high just because of the season.
For pet insurance, why not just save the money in a high yield savings account when the premium is that high? TBF I don’t know what experience you had but for my one dog I have a 1k sinking fund for everything routine and the option to dip in my emergency fund for anything else. I also don’t know how much a vet visit costs in your area though.
That being said, I appreciated the focus on sinking funds. I have about 16 for 2023
We did a delayed honeymoon as well, same reason and a friend got married elsewhere too so we used that time well to make it a big trip
I love my planner! I got the physical copy for this year, but come early summer I get lazy and then I get overwhelmed. Got myself the digital planner for 2023 and I’m already off to a great start! 🎉
I get kind of lazy with my planner sometimes as well. The beginning of the year is a great time to feel reenergized to get back on planning!
Do you know if the digital planner can be used on an iPhone? I don’t have an iPad.
Sintra, Portugal is one of the most beautiful places!
I lived in Germany for a few years. My favorite country was Malta and Portugal!!!!
TALK ABOUT THE DEBT!!!
crazy prices! with 240k, you could pay a 1€ house in italy or spain and renovate it gradually.
So did you get the Beyonce tickets? Will you be seeing her in Europe? You're so smart to set up a Beyoncè fund. Update please!
I think you might have to increase your honeymoon budget. I worked with a travel agent for a two week honeymoon with $10k and was told that was unrealistic
that's good to know. what travel agency did you use?
@@AjaDang originally Duffle & Compass, which is more of a luxury travel agency. Then switched to AdventurUS Travel, which helped me stay more in my budget for the honeymoon. Still ended up being over 10k for two weeks, but wasn’t as high as the first travel agency
@@heyyitssj awesome thank you!
Where do you get this planner?
Your shirt is amazing!
Thanks! It looks better on camera. In person it doesn’t fit the best
7:20 I laughed so hard bc as a beyhive I totally understand the feeling of saving money to her concert even though she didn’t announce it 😂😂😂😂
Add Spain to your trip. Happy Holidays!
I also put Beyoncé in my budget! ❤
Hey Aja, do you have a separate account/ bucket for each financial goal? :)
This may be such a dumb question, but what do you mean you're saving up for health insurance? How do you know the amount you'll pay beforehand?
I could not wait for this video 😊
The shout out is cool & fun!
I made a sinking fund for Taylor Swift tickets and I’m so glad I did!! Good luck with the Beyoncé tickets 🫶🏻
did you end up getting them??
@@AjaDang YES!!
Yessss you should live in New York for a month! It’ll be a good experience and I’m sure you’ll learn a lot. You never know what you will discover about yourself and the city until you actually live here:). Excited for you!!!
I think so too! Hopefully we can make it happen soon
I had been waiting for this video ever Since the last one!
I have a suggestion for a video I think. Can you make suggestions on budgets and such for people with high debit and low income? Say my own - $26k credit card and vehicle loans, $100k student loans, and only $35k income and trying to start a somewhat high initial cost crafting side business.
Have you thought of a sink fund for a high end designer handbag in Europe since it is cheaper there?
You could go to Sicily, the south? Capri, time long the Sorrento coastline. Milan in the north?
In Italy you must go to Florence, San Gimianio, Cinque Terre, Switzerland- Muerren/Lauternbrunnen, France Colmar/Alsace, Spain - Barcelona is obvious but maybe if you are a foodie San Sebastian next Granada, Valencia, Czech Republic- Prague and two weeks will not be enough unless you have private jet😉
Thank you!
$15k for a lux honeymoon is reasonable :) especially if you do some nice fine dining! You should check out lake como in Italy! I’m getting married there next year in sept
Please do a video on HSAs❣️❣️❣️🙏🙏🙏
Hi Aja! Can you share what health insurance you are using? Thank you!
Oscar
The top is hella cute! Where did you get it?!
Also I’m now creating a funnel for my wedding/honey moon - you’ve inspired meeeee
Girl, yes. You need to for wedding expenses - it makes the planning process less painful. I think the top is from Miao but I actually don’t recommend it. It’s not the best fitting
I’m getting married soon and would love to see you and Brian’s thoughts on combining finances. Not sure if you’ve already talked about it but just a video suggestion!
We went on our honeymoon 6 months after our wedding 4:11
October in the city is just....so nice.
thank you for re-centering me because i really spent without tracking this year 😵💫
It happens . After the wedding I stopped tracking my spending for a while
Love that you're coming to my country. I think you could stop somewhere in France before Italy (maybe go to Paris via Eurostar and then to Nice - Portofino is not that far from Nice).
will look into that!
My partner & I just returned from our Europe honeymoon. We paid $7,800 AUD (for the both of us) for 3 weeks. We’re from Australia. Our flights were very average but we were more than happy to do the long flights in order to save some money.
We spent around $2500 in spending money.
I think we did pretty well considering we did everything we wanted to!
We flew to London, train to Paris, flew to Rome, train to Pompeii, flew to Greece and then to Mykonos 🤍🤍
Goodluck with the planning. It was such hard work. We left two days after our wedding 😅🥲 I would change that if I could go back! Xx
That's pretty good for 3 weeks and from Oz ....
$10,000 or even $15,000 seems really low for two people on a two week vacation to Europe. I just went to Cambodia from South Korea and spent $5,000 for four days just by myself. But I’ll admit, I definitely don’t skimp on buying Business Class and 5 star resorts…
I wish I had been maxxing out my HSA before now- this year alone I had 15k+ in dental bills and $3k for finger surgery 🥲 learned my lesson. I’m maxxing it out for 2023!
Aja, you have to go to the South of France! Nice, specifically! I just went there during the summer, so lovely!!
Also, we spent about 8k for everything for 3 weeks in France and Italy during July-August 2022 including flights, food, airbnbs, etc
$15,000 for a honeymoon!! Whoa!
I know right! especially just for 2 weeks
What app do you use on the iPad to write in the digital planner?
Such a great video still! You continue to inspire me Aja! Now that I have paid off my student loans this year, definitely excited to establish my sinking funds for next year! Just the right video I needed for today! ❤️😍
Congrats on paying odd your student loans. We’re so proud of you!
@@AjaDang aaahh I’m so happy you replied ❤️ i feel so honored, I’ve been such a fan for a while now ☺️
Yayyyy my favorite videos!
I love these videos, Aja! Thank you for always putting them up. It helps me recalibrate every year. I think Croatia is a nice little gem of a place that you might enjoy visiting. I think a budget of 10k for 2 weeks should be fine.
Omg yes come to nyc ☺️☺️☺️
Concert tickets are nuts right now. Good luck for the Beyonce ones hopefully it'll go better than the Swift ones. I only got Era's Tour tickets because they did the second chance and I ended up with floor seats so that came to about 1200 since the fees were $250.00. But this was a goal of mine this year so I feel better that I am going and I had the money to pay for them, but I still get sticker shock.
Honestly, worth it. There is not better feeling than leaving an amazing concert
Floor for $1200 is cheap!!!!! For taytay!!!!!
My guess for the honey moon, $10000/2 weeks is low because since you are traveling international
Subscribed because …Beyoncé 😅❤
Wait I wanna know why Brian may not be able to get into London? 😆
maybe I’ll convince him to do a story time lol
Where can I find the digital planner?
He-who-shall-not-be-named [DR] has his catchphrase “live like no one else… yk the rest
I want Aja’s to be “save so you can retire like a spoiled little bitch” 😂
LOVE IT. Thank you for sharing, great content as always.
What credit card do you use for points? :)
You can do 2 weeks in Europe for $5,000 and have a great vacation. Depends on what you plan on doing. If you need 5 star accommodations though, then $10k is more realistic.
Also, don't come to New York. As a lifelong New Yorker, crime is incredibly high right now. Also, the costs of living here is insane at the moment. I probably wait till 2024, for things to settle down a little bit more in the economy and for us to get our violence under control.
Does anyone know which ipad she's using?
Congratulations to the tag. That's amazing she was able to do that. Prayers for a better year financially and with stability. My 5-year plan is hopefully in the making definitely need to find a good business deal in Houston texas.