If you are able to put so much money into the different savings pots then I would absolutely advise you to overpay on your mortgage even if it means dropping your Birthday fund for a few £ per person or to wait for the January sales for your Christmas tree, source some clothes very nearly new etc….you will get far more benefit from paying off your mortgage early than some of the other things - it’s a no brainer. I didn’t do it when I was young and I really regret it - even £50 a month could make a huge difference over the term of your mortgage Thank you for an interesting video, I love seeing these kinds of videos with breakdown of expenditure etc xx
I used to absolutely love hyper jar until they started to charge. It was so easy with the kids and digitally managing money. Such a shame. Loved the video xx
Tip : for nails just get primark Stick ons they last ages + lashes do them yourself - they’re so easy once you learn how this is what I do now and it’s saved me so much money x
Videos like this are great, the only thing I would say is that if it's not too invasive it would be great if someone did a household income tracker. Only because if one person in the relationship is earning £100k before tax it gives context to how critical it is for the other person to budget their £20k.... If that makes sense!
This was such a helpful video, I have been trying really hard to budget (your budget videos have been a massive inspiration for that) and currently trying to save to buy our first house! I love how detailed you are and how much you open up about it all!
👏🏼👏🏼 Our home insurance luckily covers a boiler service which is good! And I have my pot in hyperjar for car maintenance 👩🏼🔧 (which includes MOT and service)🥰
I don't understand why long term married couples split bills. I used to with my husband and it just lead to resentment and issues. So now my salary pays all our bills, childcare and big expenses like car repairs and my husbands wages pay for food, petrol, stuff for our two children and treats like days out etc. Works for us and then whatever is left in either account at the end of the month goes into a joint savings account 😀 I don't see it as my money or his money, its our money as a family. We both work to provide for the family, not ourselves.
I definitely get where you’re coming from like my partner and I mostly join all our finances but I like to keep £500 or so to myself each month so I feel like I have a bit of independence with the money I earn! But I do get why people split bills for sure. My ex used to control all my finances when we had a joint account and it sucked! (Not saying that’s what would happen here obvs lol)
My husband and I earn about the same amout. He'll earn more than me some months through bonuses but I probably get slightly more overall. We have a joint account for the mortgage, childcare and household bills and put a set amount in it every month, but seems a bit pointless to put in the rest of our money when we'll get the same back.
Great video! I’ve seen you talk about Hyperjar for a while now, would you consider doing a video on that? I’m intrigued to know how you spend/allocate your expenditure from each jar, I think it’s what I need for 2023. Thank you 😊 xx
This was so helpful! My partner and I just bought our first house and I’m saving for maternity leave so I’m definitely going to download your spread sheet! 🙂
So happy I’ve found your channel I’m obsessed with all of your videos. I’m almost 30 a just starting to focus on what’s important like saving for a home. Please keep sharing all your tips it helps me so much xx
I loved this video!! Thank you for motivating me to sort out my budget now our finances are changing again. I love your little system for splitting things and we do something quite similar in our house too and it works for us. And I definitely pay for baby’s clothes just so I can choose them haha!! Xxxx
Great video Shan! I’d be interested in a video with the breakdown of your £400…I feel I relate to you a lot as my husband is a civil servant, we have 2 young boys and a dog but I’m not sure I’ve ever managed to stretch £400 a month for all groceries/dog food/toiletries/consumables etc. Would love to hear how you manage it! Thanks 😊
I’m so glad you talked about Hyperjar a few months ago! I have been loving it. Initially I used it for daily expenses but I found the having to link my card to the right jar each time was too much. I now use it for savings pot, and I love it! That combined with the Curve app is brilliant.
Be careful with the Tv licence. Because it still includes watching live TV or news on RUclips, live programmes on its player channel 4 and radio stations. It's not just the tv you pay it for xx
How come your outgoings for anything to do with Molly is not on there? That’s a huge part of our outgoings when it comes to dog insurance, food/treats, vets, flea/worm, I didn’t know if you have purposely not included this or forgot? Xxx
Hey lovely! Molly’s food/treats/toys/treatments ect come from our “food” bill as we generally get them from a supermarket during the weekly food shop! But my partner usually pays for things like vets/checkup and stuff like that as I pay more towards George related stuff haha! Xxx
I would never think that at all ahaha!! I just know we spend wayyyy to much on our dogs so I’d need a whole spreadsheet for that to budget down, I’m the worst at buying them treats to “treat” them when they really don’t need it!!
Great thorough budget but seems so unfair on you? You work 4 days a week which reduces the childcare bill but yet you still contribute to it 50% along with all other expenses? Plus you use your car to take George to nursery so shouldn't this also be shared expense, at least to some extent? Also why is George's clothes in your individual budget, shouldn't that be in your joint expenses? Also as your pension will take a hit from you working part time, how is that redressed in your joint budgeting? It would be a great to hear how you manage pensions, especially with making up some of your income from being self-employed, have you got a SIPP? I feel like you contribute so much to your little family, not just financially but emotionally and domestically as a lone parent during the week. No wonder you have been feeling overwhelmed!
I’m in a similar position to Shan where I only work 4 days a week but we still split childcare 50/50. Personally it’s my choice to stay home one day and I get the benefit of spending more time with my daughter that my husband misses out on. That being said my husband and I are very open about our finances so if this meant I was struggling financially then we would balance that out 😊 It’s interesting to see how others balance child related costs! We have to remember we are only seeing one side from Shan and her husbands finances are private 😊
I think a lot of this is balanced out if her partner isn’t home often tho right, as in theory he’s paying half for utilities he isn’t using. Seems fair to me.
My husband and I have a joint account so we don't have to split anything , but if we did and if I could choose to work fewer hours to spend with our daughter , we would still split childcare 50/50 as me working less would be my choice , and my husband equally would love to be able to make that choice to work less. I think for budgeting purposes it makes sense too, I'm sure if Shan had any struggles they would adjust those percentages but she's definitely making some good money 😊
Complete agree i mean married and have kids and a mortgage i think it's strange how people just don't share money anymore and say its "my money" what if he has 700 left of his month each month but you only got 80 ??kinda don't see the fairness of it when your doing all the dog walks the parenting the house work whilst he's away most the time x x
Great Video Shan, this is so helpful. Your so honest with your spending and expenses, me and my partner do exactly the same 50/50 down the middle. Please ignore the other judgmental comments, your doing amazing ❤️
This was so helpful! And that you’re in the UK too 😊 My salary income is very similar to yours and I’ve not got much spare. I’ve been thinking of building up a side hustle so it’s good to see how well that works for you. I’d love to know if you manage ok fitting everything in? Do you have to be pretty hot on time management?
I love the layout of this spreadsheet will you be selling this one? I love that it's all on one place and so easy to see. I work 3 days a week and am really struggling now so this would be perfect for me to use. We don't have a joint account. I don't pay 50/50 as my husband earns a lot more than me and knows how much I'm struggling but this sheet looks a great way to budget my money xx
Loved the vlog. So interesting and informative. Took up the Hypper Jar after watching your last budgeting vlog. Using it proved difficult as it wasn’t accepted or the payment was declined even with money in the jar 😢
I don’t think hyper jars is protected by the FCA so essentially you’re money isn’t protected. Monzo or revolut are much more safe .. please correct me if I’m wrong just want you to be safe
YESS love a budgeting spreadsheet. I have a five month old and i am not looking forward to returning to work with nursery costs! I have yet to discover what they actually are... if anyone can give me an idea that would be fab! I'm going to try hyperjar, that would be a great addition to my budgeting! Thanks for letting us know about it! Fab video as always xx
Re nursery... Depends on which area you're in, but for us it is £86 a day or about £1600 (with the 20% tax free!) a month full time 😑 There really isn't enough help towards these costs...
@@xjessii89x this is really helpful thank you! I’m finding it impossible to get any quotes until I give specific information (which days, how many hours etc) which I just can’t give at the moment - tricky one because I’d like to plan ahead! So huge thanks again - super helpful 🫶🏻 xx
@@debomcd7 it is crazy, nursery's here are putting their prices up by up to 20% next year , so the £86 is what we will pay from Jan with the increase. Childminders are cheaper (£60-£70) but it's just finding someone with availability when you need it!
I downloaded the spreadsheet and its great however the side hustle and other/left over wages doesnt total up so meaning the whole seconds half of the spreadsheet doesn’t calculate properly 😢
Yes definitely for live shows on TV. And any bbc shows on Netflix so like octonorts, Peter rabbit, go jetters for the kids anything owned by BBC is meant to pay a TV licence contribution xx
Hey hun love these vlogs I sorted my bills out following your yearly vlog. But I do agree on other comments that you are paying out other expenses like George’s clothes, xmas etc? Especially as your part time. I’m part time we decided my husband buys / pays most bills I pay some and rest is on a joint account for us to use for the month. Like paying for days out to play groups/ farm/ lunch / coffee etc to entertain my toddler for three days. Be good to see that budget too. Xx
Hi Shan, sorry this is a very personal question - but with your paycheck income plus your Side Hustle income - this is just judging by what you get per month on here based on both salaries - wouldn't you be over the child benefit allowance of 50k a year? It might be different due to how your side hustle business money is set up? - Love your budget videos - they are always so interesting! :)
You can claim child benefit if you earn over £50k, but you could be taxed on it at the end of the tax year. It’s if you earn over £60k the tax man would take back all the benefit you’ve claimed
Hey lovely! Even with my side hustle, I’m under the £50k threshold! That keeps me paying the lower rate of tax (20%) and still eligible for child benefit ect :) my accountant basically tells me what to do and I do it haha!! 🙈
I think you need to have a chat with your husband... why is he letting you take out a loan on a car that you use to take his child to childcare in? And not paying for his child's petrol costs and clothes without contributing? Not to mention expecting you to financially contribute 50/50 when you are saving him money on childcare (not to mention all the lone parenting he expects you to do). Unless he earns significantly less than you, or had other reasonable outgoings- like child support for a child or children from another relationship then I think he needs to step up and not let you get into debt taking the brunt of financially supporting his son. I mean you spent so much money on a wedding to marry this guy, that you are left loaning money to meet basic transport costs for you and your son. That is not good budgeting advice! Why are married and those with children not sharing finances? You are a family, a joint interdependent unit, not two housemates! It seems to all fall to the woman, not just financially but domestically as well- you are doing almost everything! You are going to get burnt out if you are not careful!
obsessed is a bit of a reach 🤣 im not sure where you live but we are in a cost of living crisis at the moment…. tracking and organising your money is the most sensible way to be
If you are able to put so much money into the different savings pots then I would absolutely advise you to overpay on your mortgage even if it means dropping your Birthday fund for a few £ per person or to wait for the January sales for your Christmas tree, source some clothes very nearly new etc….you will get far more benefit from paying off your mortgage early than some of the other things - it’s a no brainer. I didn’t do it when I was young and I really regret it - even £50 a month could make a huge difference over the term of your mortgage
Thank you for an interesting video, I love seeing these kinds of videos with breakdown of expenditure etc xx
I used to absolutely love hyper jar until they started to charge. It was so easy with the kids and digitally managing money. Such a shame. Loved the video xx
Love this vid. You are an incredibly generous gift giver! Sacrificing a lot of your own pampering moments to buy presents is admirable!
Tip : for nails just get primark Stick ons they last ages + lashes do them yourself - they’re so easy once you learn how this is what I do now and it’s saved me so much money x
Thank you for being so transparent. I really find this helpful especially now that I’ll be going back to work after m leave x
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Videos like this are great, the only thing I would say is that if it's not too invasive it would be great if someone did a household income tracker. Only because if one person in the relationship is earning £100k before tax it gives context to how critical it is for the other person to budget their £20k.... If that makes sense!
This was such a helpful video, I have been trying really hard to budget (your budget videos have been a massive inspiration for that) and currently trying to save to buy our first house! I love how detailed you are and how much you open up about it all!
A few other possible costs: Netflix, Boiler Service, Yearly MOT, Car Tax, Car Service, Pet Insurance 😬
👏🏼👏🏼 Our home insurance luckily covers a boiler service which is good! And I have my pot in hyperjar for car maintenance 👩🏼🔧 (which includes MOT and service)🥰
I don't understand why long term married couples split bills. I used to with my husband and it just lead to resentment and issues. So now my salary pays all our bills, childcare and big expenses like car repairs and my husbands wages pay for food, petrol, stuff for our two children and treats like days out etc. Works for us and then whatever is left in either account at the end of the month goes into a joint savings account 😀
I don't see it as my money or his money, its our money as a family. We both work to provide for the family, not ourselves.
I definitely get where you’re coming from like my partner and I mostly join all our finances but I like to keep £500 or so to myself each month so I feel like I have a bit of independence with the money I earn! But I do get why people split bills for sure. My ex used to control all my finances when we had a joint account and it sucked! (Not saying that’s what would happen here obvs lol)
My husband and I earn about the same amout. He'll earn more than me some months through bonuses but I probably get slightly more overall. We have a joint account for the mortgage, childcare and household bills and put a set amount in it every month, but seems a bit pointless to put in the rest of our money when we'll get the same back.
Great video! I’ve seen you talk about Hyperjar for a while now, would you consider doing a video on that? I’m intrigued to know how you spend/allocate your expenditure from each jar, I think it’s what I need for 2023. Thank you 😊 xx
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This was so helpful! My partner and I just bought our first house and I’m saving for maternity leave so I’m definitely going to download your spread sheet! 🙂
Ahh girl, I remember the saving towards Mat leave struggle!! I hope you find the spreadsheet helpful though! 🤍
So happy I’ve found your channel I’m obsessed with all of your videos. I’m almost 30 a just starting to focus on what’s important like saving for a home. Please keep sharing all your tips it helps me so much xx
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I was just curious to know why you guys split everything 50/50 as you work 4 days and then "provide" 1 day of childcare?
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I loved this video!! Thank you for motivating me to sort out my budget now our finances are changing again. I love your little system for splitting things and we do something quite similar in our house too and it works for us. And I definitely pay for baby’s clothes just so I can choose them haha!! Xxxx
I would love more budgeting / spending videoes! Monthly ones would be amazing!!
New subscriber here! Mom over here too! Love your channel. Keep up the great work! 🎉
Great video Shan! I’d be interested in a video with the breakdown of your £400…I feel I relate to you a lot as my husband is a civil servant, we have 2 young boys and a dog but I’m not sure I’ve ever managed to stretch £400 a month for all groceries/dog food/toiletries/consumables etc. Would love to hear how you manage it! Thanks 😊
I’m so glad you talked about Hyperjar a few months ago! I have been loving it. Initially I used it for daily expenses but I found the having to link my card to the right jar each time was too much. I now use it for savings pot, and I love it! That combined with the Curve app is brilliant.
Amazing! Yes, I love it for savings jars, it’s sooo helpful! I haven’t heard of the curve app but I’ll have a look too! Cxx
Be careful with the Tv licence. Because it still includes watching live TV or news on RUclips, live programmes on its player channel 4 and radio stations. It's not just the tv you pay it for xx
How come your outgoings for anything to do with Molly is not on there? That’s a huge part of our outgoings when it comes to dog insurance, food/treats, vets, flea/worm, I didn’t know if you have purposely not included this or forgot? Xxx
Hey lovely! Molly’s food/treats/toys/treatments ect come from our “food” bill as we generally get them from a supermarket during the weekly food shop! But my partner usually pays for things like vets/checkup and stuff like that as I pay more towards George related stuff haha! Xxx
Oh I see!! Makes sense! I just couldn’t see where it was fitting in 😂 thanks for letting me know 💕
@@Jana-Campbell hehe it’s so hard to remember to mention everything on these videos! Wouldn’t want people to think we don’t feed molly though haha! 🙈
I would never think that at all ahaha!! I just know we spend wayyyy to much on our dogs so I’d need a whole spreadsheet for that to budget down, I’m the worst at buying them treats to “treat” them when they really don’t need it!!
Really interesting video! Always love hearing your budget breakdowns.😊
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I found this so so interesting! Thank you! Xx
Really says a lot about the state of things that someone earning the equivalent of two full time salaries is just about getting by. Its nuts.
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Great thorough budget but seems so unfair on you? You work 4 days a week which reduces the childcare bill but yet you still contribute to it 50% along with all other expenses? Plus you use your car to take George to nursery so shouldn't this also be shared expense, at least to some extent? Also why is George's clothes in your individual budget, shouldn't that be in your joint expenses? Also as your pension will take a hit from you working part time, how is that redressed in your joint budgeting? It would be a great to hear how you manage pensions, especially with making up some of your income from being self-employed, have you got a SIPP? I feel like you contribute so much to your little family, not just financially but emotionally and domestically as a lone parent during the week. No wonder you have been feeling overwhelmed!
I’m in a similar position to Shan where I only work 4 days a week but we still split childcare 50/50. Personally it’s my choice to stay home one day and I get the benefit of spending more time with my daughter that my husband misses out on. That being said my husband and I are very open about our finances so if this meant I was struggling financially then we would balance that out 😊
It’s interesting to see how others balance child related costs! We have to remember we are only seeing one side from Shan and her husbands finances are private 😊
I think a lot of this is balanced out if her partner isn’t home often tho right, as in theory he’s paying half for utilities he isn’t using.
Seems fair to me.
My husband and I have a joint account so we don't have to split anything , but if we did and if I could choose to work fewer hours to spend with our daughter , we would still split childcare 50/50 as me working less would be my choice , and my husband equally would love to be able to make that choice to work less.
I think for budgeting purposes it makes sense too, I'm sure if Shan had any struggles they would adjust those percentages but she's definitely making some good money 😊
Can you do what you spend in a week video just because I seem to spend every single day on bits here and there at Tesco or on Amazon
Complete agree i mean married and have kids and a mortgage i think it's strange how people just don't share money anymore and say its "my money" what if he has 700 left of his month each month but you only got 80 ??kinda don't see the fairness of it when your doing all the dog walks the parenting the house work whilst he's away most the time x x
The virgo in me loves these budgeting and finance videos 😂 would you be willing to do a video discussing your job move a bit more?
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Great Video Shan, this is so helpful. Your so honest with your spending and expenses, me and my partner do exactly the same 50/50 down the middle. Please ignore the other judgmental comments, your doing amazing ❤️
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This was so helpful! And that you’re in the UK too 😊 My salary income is very similar to yours and I’ve not got much spare. I’ve been thinking of building up a side hustle so it’s good to see how well that works for you. I’d love to know if you manage ok fitting everything in? Do you have to be pretty hot on time management?
I love the layout of this spreadsheet will you be selling this one? I love that it's all on one place and so easy to see. I work 3 days a week and am really struggling now so this would be perfect for me to use. We don't have a joint account. I don't pay 50/50 as my husband earns a lot more than me and knows how much I'm struggling but this sheet looks a great way to budget my money xx
Loved the vlog. So interesting and informative.
Took up the Hypper Jar after watching your last budgeting vlog. Using it proved difficult as it wasn’t accepted or the payment was declined even with money in the jar 😢
Ahh glad you enjoyed it! But that’s such a shame, I’ve never had that issue myself but that’s sounds annoying!! Xxx
Thank you for sharing this, it’s really helpful and it gave me motivation to achieve my saving goals ❤
Ps: You always smash it, love your videos 😍
I don’t think hyper jars is protected by the FCA so essentially you’re money isn’t protected. Monzo or revolut are much more safe .. please correct me if I’m wrong just want you to be safe
Monzo also has pots x
Yesss I use monzo 🙌🏼
What about pet insurance?! Or savings in case of dog issues? Seems like something you’ve missed.
YESS love a budgeting spreadsheet. I have a five month old and i am not looking forward to returning to work with nursery costs! I have yet to discover what they actually are... if anyone can give me an idea that would be fab! I'm going to try hyperjar, that would be a great addition to my budgeting! Thanks for letting us know about it! Fab video as always xx
Re nursery... Depends on which area you're in, but for us it is £86 a day or about £1600 (with the 20% tax free!) a month full time 😑 There really isn't enough help towards these costs...
@@xjessii89x this is really helpful thank you! I’m finding it impossible to get any quotes until I give specific information (which days, how many hours etc) which I just can’t give at the moment - tricky one because I’d like to plan ahead! So huge thanks again - super helpful 🫶🏻 xx
@@xjessii89x that’s so expensive! I’m paying £44 a day and thought that was bad! £86 is more than I take home a day. Insane prices.
@@PoppyDawson no problem, hopefully it's a little cheaper for you!
Also , your channel is great, just subscribed 🙂
@@debomcd7 it is crazy, nursery's here are putting their prices up by up to 20% next year , so the £86 is what we will pay from Jan with the increase. Childminders are cheaper (£60-£70) but it's just finding someone with availability when you need it!
Your so organised!
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I downloaded the spreadsheet and its great however the side hustle and other/left over wages doesnt total up so meaning the whole seconds half of the spreadsheet doesn’t calculate properly 😢
you still have to have a TV for Netflix and youtube!
Yes definitely for live shows on TV. And any bbc shows on Netflix so like octonorts, Peter rabbit, go jetters for the kids anything owned by BBC is meant to pay a TV licence contribution xx
Hey hun love these vlogs I sorted my bills out following your yearly vlog. But I do agree on other comments that you are paying out other expenses like George’s clothes, xmas etc? Especially as your part time. I’m part time we decided my husband buys / pays most bills I pay some and rest is on a joint account for us to use for the month. Like paying for days out to play groups/ farm/ lunch / coffee etc to entertain my toddler for three days. Be good to see that budget too. Xx
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Hi Shan, sorry this is a very personal question - but with your paycheck income plus your Side Hustle income - this is just judging by what you get per month on here based on both salaries - wouldn't you be over the child benefit allowance of 50k a year? It might be different due to how your side hustle business money is set up? - Love your budget videos - they are always so interesting! :)
You can claim child benefit if you earn over £50k, but you could be taxed on it at the end of the tax year. It’s if you earn over £60k the tax man would take back all the benefit you’ve claimed
Hey lovely! Even with my side hustle, I’m under the £50k threshold! That keeps me paying the lower rate of tax (20%) and still eligible for child benefit ect :) my accountant basically tells me what to do and I do it haha!! 🙈
Really interesting, thanks for sharing
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I may have missed it but I wondered how you budget or plan for emergencies. Like if your car broke down or your roof needed repairs?
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Hi, ordered & paid for the spreadsheet but can’t seem to find the file? It’s not attached to any of the emails from Etsy. Can you let me know please
We spoke on Etsy, in glad you got this resolved! 😍
Do you have any tips for getting out of an overdraft? I don’t seem to have got my finances back on track since Mat leave 🤦🏻♀️
Same!
£92 a month each! double that for the new bill!
Yes, interesting point, this budget assumes energy costs stay static for the rest of the year, but when it gets colder this seems unlikely!
@@daisybashton yes it absolutely won't be that amount the winter 🤯
Are these available on your Etsy?? I found your last one quite helpful with budgeting
£1800 is a good amount after tax etc for 4 days! Can I ask what you do?
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Pay cheque
I think you need to have a chat with your husband... why is he letting you take out a loan on a car that you use to take his child to childcare in? And not paying for his child's petrol costs and clothes without contributing? Not to mention expecting you to financially contribute 50/50 when you are saving him money on childcare (not to mention all the lone parenting he expects you to do). Unless he earns significantly less than you, or had other reasonable outgoings- like child support for a child or children from another relationship then I think he needs to step up and not let you get into debt taking the brunt of financially supporting his son. I mean you spent so much money on a wedding to marry this guy, that you are left loaning money to meet basic transport costs for you and your son. That is not good budgeting advice!
Why are married and those with children not sharing finances? You are a family, a joint interdependent unit, not two housemates! It seems to all fall to the woman, not just financially but domestically as well- you are doing almost everything! You are going to get burnt out if you are not careful!
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what about savings? i dont think you mentioned x
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you are literally OBSESSED with money!!!! I've never seen anything like it!
obsessed is a bit of a reach 🤣 im not sure where you live but we are in a cost of living crisis at the moment…. tracking and organising your money is the most sensible way to be
Katy Kent: And you are OBSESSED with being a judgemental prat
@@bels5635 yes 🤣🤣🤣
@@shannonryan32 she clearly isn't in a cost of living crisis 🤣🤣🤣
Put on morning routine you from aatika aabdulkhaliq