Monthly Budget Routine 💸 budget breakdown, financial goals, business finances & more

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  • Опубликовано: 1 дек 2024

Комментарии • 95

  • @ashleighscott2143
    @ashleighscott2143 Месяц назад +25

    Carter, I love your content! I'm not much of a commenter, but I want you to remember the OG followers know your heart. You are truly one of the first influencers that got me excited about budgeting and making goals! Keep going girl we love you!

    • @CarterSullivan
      @CarterSullivan  Месяц назад +2

      I appreciate this and your support🥹🫶🏻

  • @thevermilionsiren
    @thevermilionsiren Месяц назад +4

    Awe friend! You gotta remember that while some people will think the worst of you at the drop of a hat, most see what youve done and accomplished and find that as motivation to upgrade and do well for themselves. Sometimes people need to see a physical representation of their dreams 5o realize their dream is possible ♡

  • @lenak.9754
    @lenak.9754 Месяц назад +18

    I personally love your personal finance content and think it's great that more women are talking about their finances. It's such an important topic and can be so empowering to take control of our own money. For me, it has been super helpful to watch how other people manage their money, even if income levels might be different; it's more about understanding the systems, I find. In any case, thank you for sharing as long as you feel comfortable.
    Also, how fun that you're also watching Ella's content, I've been wondering :)

    • @CarterSullivan
      @CarterSullivan  Месяц назад +2

      @@lenak.9754 i've been watching her for years and years even before she started doing personal finance content!!!

  • @shannnonnmarie
    @shannnonnmarie Месяц назад +3

    Girl, you’re not alone in the scarcity mindset! How the beginning of this year went business-wise for me was also below average too. You’re not alone.

    • @CarterSullivan
      @CarterSullivan  Месяц назад +1

      I'm sad that we have this mindset sometimes, but also helps me feel less alone that you shared that sweet friend🥹🫶🏻

  • @SarahSchneider2
    @SarahSchneider2 Месяц назад +3

    I’m trying to have less of a grocery budget because I realized how much I have between the fridge, freezer, and pantry so figured I should use some of that up instead of always buying more.

    • @CarterSullivan
      @CarterSullivan  Месяц назад

      Yes! We're trying to do a quarterly freezer clean-out to keep our grocery bill lower too!

  • @novelsandlattes
    @novelsandlattes Месяц назад +1

    One of the things I love most about saving and investing is how individually unique each journey is. There's no cookie cutter way to do it and win the race. It's about the decisions you make with what you already have. And you dont have to have a huge amount of money to begin. I'm searching for economic Liberation and an early retirement. That is what drives me most to stay consistent and disciplined.

  • @MysticGamersUnite
    @MysticGamersUnite Месяц назад

    I love your content. Definitely nice to know a fellow RUclips that lives not far away. Feels so much relatable vs those who are in the USA.

  • @thetravelingwanderer
    @thetravelingwanderer Месяц назад +4

    I have a "Household" line item for things like paper towels/ laundry soap/ toilet paper, etc!

    • @CarterSullivan
      @CarterSullivan  Месяц назад

      @@thetravelingwanderer I need to do that! Because I always put it under groceries since we buy it at the grocery store but its not really groceries😭

    • @thetravelingwanderer
      @thetravelingwanderer Месяц назад +1

      @@CarterSullivan Yes! I get a lot of mine from Costco (together with groceries) so it just takes me a few additional minutes to roughly calculate the allocation between Groceries and Household! I love your videos!!

    • @brandincompany
      @brandincompany Месяц назад

      Same here!

  • @elizabethdipetta6872
    @elizabethdipetta6872 Месяц назад +2

    Fellow Canadian here! I just want to say I really love your channel! Fellow Disney /budget /thrifting lover! A tad older lol but nonetheless love your content and think you are amazing!!

    • @CarterSullivan
      @CarterSullivan  Месяц назад +1

      Aw thanks for being here!!! 🥹🫶🏻

  • @KathDpl
    @KathDpl Месяц назад +1

    I love how transparent you are! Thank you!

  • @moniqued4048
    @moniqued4048 Месяц назад

    these videos are the besssssst, i missed these so much

    • @CarterSullivan
      @CarterSullivan  Месяц назад

      @@moniqued4048 i've been filming them again since May so there is a ton of them from this year!

    • @moniqued4048
      @moniqued4048 Месяц назад

      @@CarterSullivan on my way to binge watch the rest 😊 i dont even know how i missed them!!

  • @MarcyWatson-ez2tp
    @MarcyWatson-ez2tp Месяц назад +1

    Love your content! So nice to have a fellow Canadian be so down to earth. Would love to see a video where you can break down how to actually start to keep track of finances.

    • @CarterSullivan
      @CarterSullivan  Месяц назад +1

      @@MarcyWatson-ez2tp I have a few videos on this already- how to start a budget and managing money!

  • @carrie.lannette
    @carrie.lannette Месяц назад

    Hi, brand new subscriber here! Just wanted to say - I love this kind of content because I'm trying to take charge of my finances, and seeing what other people do that works for them helps me immensely. I grew up in a family with very little income, so I had no reference point for how to budget for anything past expenses necessary for survival. I can appreciate some of your comments around feeling guilty about your income as this is something I struggle with too. But girl, we have to give ourselves permission to leave those feelings behind! You earned every penny of your income, and while I appreciate your explanations of how you budget, you don't have to DEFEND your choices to anyone. Do what works for you, and don't worry about anyone who has rude things to say. Those comments usually come from a place of insecurity anyway. ♡

  • @DominiqueAshurst
    @DominiqueAshurst Месяц назад

    THANK YOU for your vulnerability about guilt and money and scarcity mindset! I really don’t hear other’s talk about it much and I feel SO SEEN! Growing up poor with very addicted parents who also came from poverty, taught me NOTHING about finances or other adulting tbh, my husband came from upper middle class to middle class but his parents had scarcity mindsets from growing up lower class and they lived like we did as low low class. So we really have to learn SO much from outsiders, and content like this HELPS! Not because of comparison, there is none (I’m a SAHM of 3 and only my husband works, etc) but it helps break it down and give us ideas., It also HELPS SO MUCH when you think out loud it with us. Love ALL your content but so SO grateful for this type of content and your other realness that helps most people watching feel seen, heard, and understood! You really make a difference and we are thankful for you!

    • @CarterSullivan
      @CarterSullivan  Месяц назад +2

      I honestly think being in therapy for years and working through my money issues and trauma, and how my growing up has affected my money mindset has changed my life completely and helped me understand the root of my money thoughts. I of course love watching budgeting videos, but I think that getting vulnerable and talking about how you're feeling about money is so important to share too. And that's why I love Zoe's videos so much❤️ I feel like because of my therapy and experience with therapy. I'm able to link a lot of feelings now to a scarcity mindset and just the way I was raised in regards of money. Thank you so so much for taking the time to leave this comment, it always means so much to me to read comments like this❤️❤️

  • @chandrareaux6700
    @chandrareaux6700 Месяц назад

    I think you're doing great especially for your age. You don't owe anyone an explanation. I love these videos.

  • @eviesavitzky8316
    @eviesavitzky8316 Месяц назад

    Carter, you give me so much motivation in things where I lack! You show me it’s ok to have these moments that I do and you’re right you’re just as normal as the rest of us! I’m so thankful for the videos you do! ❤😊

  • @juliequick5526
    @juliequick5526 Месяц назад +1

    There are always going to be triggers that prompt our insecurity based spending, no matter how experienced you are. It is a human characteristic. What has been hard for me is to be kind when these things happen. My life is far from perfect as a 62 year old carer of a very disabled husband, but I still actively seek enjoyment. I love your content as it is always good to be reminded of basic principles wherever you are in life. Blessings to you and Matt xxx. Ps watching these budget spreadsheet on an iPad means the numbers are very small. Just a thought and not complaint x

  • @isabellalacy9901
    @isabellalacy9901 Месяц назад

    Ahh Carter! I love this so much and I am so obsessed with your content! I love all the fall content and I can’t wait for more. Thank you for always showing up for us and I love every video you make. Ilysm and I hope you’re having an amazing day 💕

    • @CarterSullivan
      @CarterSullivan  Месяц назад +1

      Aw thanks for watching and supporting🥹🫶🏻

  • @LamiaElhoni
    @LamiaElhoni Месяц назад +1

    Money matter are always going to be a personal thing the reason that we watch you is because we want to see the real you and how you deal with things not to compare ourselves with anyone nor should you 🥰

  • @hopemcgrath7064
    @hopemcgrath7064 Месяц назад

    I love this kind of content!🩷

  • @gracelewis4173
    @gracelewis4173 Месяц назад

    Hi Carter, I feel exactly the same. I'm struggling to get out of a saving mindset and actually enjoy myself.

    • @CarterSullivan
      @CarterSullivan  Месяц назад

      See I definitely feel the opposite right now- I'm in a good rhythm with saving/investing and also enjoying life I just have been struggling with the guilt of paying myself more!

  • @selenastarzz4589
    @selenastarzz4589 Месяц назад +1

    Dont take on the criticism…. I like ur finance videos… very inspiring ❤

  • @amandaporter6130
    @amandaporter6130 Месяц назад

    I don’t comment often but your makeup and hair looks amazing!

    • @CarterSullivan
      @CarterSullivan  Месяц назад

      Oh wow thank you so much. That's so kind!!! 🥹

  • @CaraChase
    @CaraChase Месяц назад

    I use a “home essentials” category for cleaning products, paper products etc. However if it’s just 1 item on a grocery trip, I just lump the whole transaction as groceries to keep things simple!
    Love your content and appreciate you being real with us regarding finances! ❤

    • @CarterSullivan
      @CarterSullivan  Месяц назад

      Yes I like this approach! If its a whole household run then it gets classified in its own category but if its 1 item it can stay with the grocery bill!

  • @williamwarren9448
    @williamwarren9448 Месяц назад

    I will never understand the comments from negative people - they maybe did not grow up with the adage - if you can't say something nice don't say anything at all ....Love your content Carter - when I needed budgeting content you really helped .... do what you can do and we will still watch :.Glenda

  • @debchaffin
    @debchaffin Месяц назад

    A question! How do you separate your sinking funds? Do you have all in the same savings account or you have a separate account for each one? I am very new at this and trying to understand

    • @CarterSullivan
      @CarterSullivan  Месяц назад +1

      @@debchaffin there's no right or wrong way to do it- either method is fine! I feel like you just have to try both out and see which one you like better! I typically separate them out by type of sinking fund, but you can also just lump everything together in one sinking fund account and keep track of what money is for what!

  • @MaddieMettler
    @MaddieMettler Месяц назад

    I liked the discussion on the split of finances! Super interesting

    • @CarterSullivan
      @CarterSullivan  Месяц назад

      @@MaddieMettler I go more into depth on it on last months monthly budget!!

  • @lynetteondeyka
    @lynetteondeyka Месяц назад

    I love watching these videos and never think to compare my finances to what you do or anyone online and I’m someone that does it different from you whereas my husband and I combine ours bc that’s what works for us. My grocery budget is literally 1200 bc I have 1 adult child that lives at home and a teenage boy that eats like he’s 10 people lol so I literally could never compare to what you do BUT watching your videos helps me see where I can improve in my budget if I see something I like better with how you do it I can work to make that change. I’m also a 40 year old mom of a 21yr old and 16 yr old.

    • @CarterSullivan
      @CarterSullivan  Месяц назад

      Thanks for sharing this! Yes I agree, I think so many of us are in different phases of life with budgetting/lifestyle so its hard to compare! Love that way of looking at it.

    • @lynetteondeyka
      @lynetteondeyka Месяц назад +1

      Also, I love watching you even tho I’m much older, you have helped me figure out more of who I am. Having kids young I lost my 20s to being a mom and now that their big and don’t need me I feel like I’m right where you are in life just 12 years older lol

  • @9872orca
    @9872orca Месяц назад

    Great honest video. Thank you for sharing!

  • @ashleyhurley8885
    @ashleyhurley8885 3 дня назад

    Sorry if this was mentioned already, but have you read "You Are a Badass at Making Money" By Jen Sincero? GAME CHANGER! It really hits on the mental/psychological side of money.

    • @CarterSullivan
      @CarterSullivan  3 дня назад

      Yes I read it when I was getting into finance years ago, it was a good read however therapy did more for me changing my mindset as it was specific to me and not general advice- but its a good starting point for sure!!

  • @ThePotterfreak7
    @ThePotterfreak7 Месяц назад

    i have a budget category called item restocks where i put any of those recurring home purchases

    • @CarterSullivan
      @CarterSullivan  Месяц назад

      Oh love that name!! Then it can include like shampoo or dog food or whatever you need. I might do this🥰

  • @RebeccaMercado-i2r
    @RebeccaMercado-i2r Месяц назад

    You are teaching your audience to thrive financially all while you are doing it! Yet you feel guilty..be curious about what your scared of..I went through something like that when I had a big shift in my socio status. I felt incredibly sad & scared I would lose people, scared about still relating to a certain group, scared of losing the only identity I had known. You quickly realize that you are always you because of your humility and that you owe it to yourself to reach your goals unapologetically. Your true audience will be inspired. Best wishes.

  • @edwardleecaliforniausa
    @edwardleecaliforniausa Месяц назад +1

    Good morning Carter how are you happy Friday morning to you and I hope you having amazing day and you are amazing supporter

  • @kertmelinda
    @kertmelinda Месяц назад

    I love your channel and how real you are ☺️🥰

  • @TheEmilyhudson
    @TheEmilyhudson Месяц назад

    Hi Carter, I would love to see a grocery haul or a "What I Eat in a Week"! I'm in Ontario and struggle with grocery prices haha. Great video! ❤

    • @CarterSullivan
      @CarterSullivan  Месяц назад

      I share a ton of our meals in the vlogs! I have been trying to film grocery hauls for IG and TT but I find it hard because we buy a lot of our meat in advance and freeze it for the year. We find doing smaller more often grocery shops actually help us save money so it can be hard to film our grocery hauls but I could definitely try and share more short-form what we eat for dinner videos.
      But here is what works for us- since we have separate finances Matt and I switch off buying groceries every week (one week he does and one week I do). We buy our meat from Costco twice a year in bulk (usually about $200-$300) and so most of our grocery trips week to week don't include meat unless it's on a mega sale. We both eat the same breakfast/lunch every day (cereal, yogurt, sandwiches or leftovers) and we are honestly creatures of habit when it comes to dinner so we often just rotate through the same meals. We only buy produce on sale so week to week our fruits/veggies vary and try and base our meals around sales.

  • @ryanrowe1975
    @ryanrowe1975 Месяц назад +1

    Good video

  • @yfsty.candles
    @yfsty.candles Месяц назад +4

    Not normally a commenter but please do not stop what you’re doing. Please look at the big picture in what you’re doing to literally help THOUSANDS with your budgeting videos. You deserve it because you work hard, you’re making more money because your investments of good habits. Keep growing. I love watching you budget more money, it motivated me to go for a promotion and make more money. You got this, Carter.

  • @Acaceres
    @Acaceres Месяц назад

    Hi Carter, I can see that you struggle with a scarcity mindset. I really hope you can be proud of all your hard work. It's okay to enjoy some of that money. You are such a humble person, people can see that. Don't worry about the haters! I think you should use the business income for savings/ investments and house remodels. You work hard and you deserve it!

    • @CarterSullivan
      @CarterSullivan  Месяц назад

      I really do and it's something I am still working on even after years of therapy😭 I think it's something that I will always have to work on, but I'm trying to be proud of myself and know that it's OK to pay myself!! This comment was so kind, thank you for taking the time to write it❤️

  • @Alison_Hampton
    @Alison_Hampton Месяц назад

    Its still so crazy to hear you say "Husband" hehe love your openness and vulnerability!! 💗

    • @CarterSullivan
      @CarterSullivan  Месяц назад +1

      Hahah honestly feels so normal for me now because I've been saying it since we got engaged LOL I never liked saying fiance heheh but still so fun to say!!!

    • @Alison_Hampton
      @Alison_Hampton Месяц назад

      @@CarterSullivan omg that’s so cute haha

  • @josieann4390
    @josieann4390 Месяц назад

    💜💜

  • @raeraemillstone
    @raeraemillstone Месяц назад +1

    Carter! You are so real!! Thank you for talking put all your insecurities! Your truly a favorite!

  • @blueditto
    @blueditto Месяц назад

    I have a "Household" category for hygeine products and cleaning supplies and stuff like that.

    • @CarterSullivan
      @CarterSullivan  Месяц назад +1

      Yeah, I think that's what I'm going to do!!

    • @yellowclownfish
      @yellowclownfish Месяц назад

      I actually combine this with the grocery as we usually get all those products from the same supermarkets or Costco when we get grocery.
      How do you separate the expenses then ? Separate bills when checking out ?

  • @xnocturnalwavex
    @xnocturnalwavex Месяц назад

    It sounds like some of the guilt comes from hanging on to goals you set when getting paid by social media was a dream, not a reality. Sometimes we have to shift those goals when we learn what a new stage of life is like - which is still a hard thing to do! Maybe a “why you” is you’re capable of a humble approach to being successful? You’re going to gift to your loved ones, intentionally donate, highlight day trips, small stores (which can positively impact those town/store’s lives), smart purchases, contentment without materialistic/branded purchases, and remain grateful for financial security no matter the money you make. All things not every creator does!

    • @CarterSullivan
      @CarterSullivan  Месяц назад +1

      @@xnocturnalwavex yes I totally agree with this! I think I viewed as being able to financially provide for myself & my family on social media as a dream and now that it's a reality I feel guilt for it!
      Thank you so much for sharing this. This mindset & shift in perspective is something I want to work on and remind myself of those things you mentioned always❤️

    • @xnocturnalwavex
      @xnocturnalwavex Месяц назад +1

      @@CarterSullivan you don’t want us to judge social media money as different than if you made it at a corporate job. Would you feel guilty if the hospital gave you a big bonus for a stellar conference? Sponsor/creator ad checks are payments for the service you provide those companies. You worked, they paid you for that. And your viewers are all happily here for the ride 😄 you’ve definitely helped shift my mindset too so glad I could return the favor ❤️

  • @cindicleee
    @cindicleee Месяц назад

    ❤❤

  • @RheaHighland
    @RheaHighland Месяц назад

    🤗

  • @2endeavour
    @2endeavour Месяц назад

    Hi! Just want to comment that I appreciate donating the revenue of this video ❤

    • @CarterSullivan
      @CarterSullivan  Месяц назад

      It is literally the least I can do❤️

  • @actgirl1234567
    @actgirl1234567 Месяц назад

  • @arijane8251
    @arijane8251 Месяц назад

    Honestly Carter, you can pull up a spreadsheet of fake numbers and I will still watch

    • @CarterSullivan
      @CarterSullivan  Месяц назад +1

      @@arijane8251 bahahahaha this is too kind 😭 that would be so much work though lol I budget for myself firstly so easy to share since I'm already doing it for myself!!

  • @jessvillalobos8315
    @jessvillalobos8315 Месяц назад

    Hi Carter! I have actually gone back and forth between having a separate “groceries” and “household” category and depending on the season of life I’m in.. sometimes it becomes a “groceries/household” category. It doesn’t take much to roughly calculate the cost of each but sometimes it’s just easier to lump everything that comes from the grocery store into one category 😅 thanks for sharing with us. 🫶🏼 between you, Zoe, & Ella, I get the motivation to keep up with my finances.. it’s not always fun and I’m currently in my “messy middle” but we are making it through. 🤍

    • @CarterSullivan
      @CarterSullivan  Месяц назад

      Thank you so much for sharing!! I feel like I'm the same it just kind of depends what season of life I'm in so I'm glad to see others. Do the same with their budget and categories!! I like to keep my budget super simple and so I feel like if I separate them, I'm never gonna wanna divvy up the receipt😅 but maybe I'll try and see or just leave it in the grocery budget and know that my grocery budget may be higher because it includes household items!

  • @elizabeththompson1525
    @elizabeththompson1525 Месяц назад +2

    Too generous! I can’t believe all proceeds go towards hurricane victims. This means a lot to me being from Florida! You are a real one❤

    • @CarterSullivan
      @CarterSullivan  Месяц назад +1

      @@elizabeththompson1525 if you have any organizations you know of that I can donate to, I'd love some recs!

  • @julia.md2b707
    @julia.md2b707 Месяц назад

    I have been following you for a long time and if you were to level up any part of your life it would bring me nothing but happiness.

  • @mansoor3159
    @mansoor3159 Месяц назад

    Carter I am so so so glad that I Have Found your RUclips Channel and your contents are just wonderful and I will always be your big supportive🥹❤❤