Did January Go Without Drama? Finally at the End of the Budget Month 🥳

[@Ephelia1]

I was worried at first that going premium might deprive content creators of money, but apparently the longer someone watches a video on premium the more the creator gets, so I felt better reading that! You work hard and deserve to get paid for it, I always hate seeing people complaining about creators being monetised 😢.

[@nathalie7516]

You could print out headers on sticker paper to make your own headers, it would be a bit neater if it bothers you. Nice to see you back!

[@Autumnbudgets]

My goodness me thats a busy month! Glad your all better and had a lovely time in Prague! Glad you've got some extra you deserve it xx 🧡🧡🍂🍂🦊🦊🍄🍄

[@Grwmcarysxlily]

Another great video as always! Have watched it 15 times all the way through as I kept falling asleep last night 😂 you always have a drama and make my life feel normal if it makes you feel better 😂😂 hope your doing well and happy belated birthday to you and Paul ❤xx😊

[@pennylane36]

I agree with making it as simple as possible. I couldn’t do it the way so many people do it. It’s pretty involving. We get paid every other week. I have a happy planner that I tweaked to suit how I do thing. I write down what’s in checking. I subtracted the bills, (Comcast,cell phones, water, lights,garbage) then I put a set amount into savings, the rest goes for what we need(all the other things) I do keep track of our expenses on spreadsheets on my computer because Apple numbers does all the adding for you. I’ve tracked our spending for the last 4 years and we’re pretty consistent on that.

[@50somethingbudgets]

Just catching up! Happy belated birthday 🎉 and sorry you have been poorly on your hols. It took me a while to get used to the new TBM budget page as its changed from what I’ve used for the last couple of years. You track your sinking funds used as a deposit/income in the spending trackers and add them up and stick them in the income box. I don’t use some of the pages either, you do what suits you best 🙂

[@indebted.mum.]

Glad you are feeling better now.. I was looking at buying that budget planner the day before I watched this... so glad I did.. I don't have time for all of that detail 😂

[@trisarahtops8928]

I've been using the Abundant Budgets planner and I really love it so far. It's very straightforward to use, but is still allowing me to keep a close eye on spending.

[@sinead969]

I watched this video on Sunday night Zoe and was disappointed when it ended. Great catch-up video. Looking forward to the next one 😍

[@sinead969]

I knew there was something I forgot to say, there were no ads during your video when I watched it on Sunday night and I don't have KZbin premium so there you go, the ad thing is a mystery!

[@TraceyHolliday-p2w]

❤ video. Michelle from yorkshire budgets uses Tbm i think. May have a look at hers for set up or ideas.

[@Lucyluxor]

It's KZbin messing with the ads not us lol ❤

[@deborahbrown1242]

Have you watched Tbm videos on how to use the planner. I found them helpful xx

[@karinatuck2421]

I got 8 sets of adverts for this video which I think is a record 😂 if I’ve got a longer video to watch and know there will be lots of adverts then I watch it whilst I’m cooking dinner or getting things ready in the morning. ❤

[@thecannytally]

@@karinatuck2421 holy crap that must've made the video about 2 hours long 🫣🫣🫣

[@karinatuck2421]

@ they weren’t long ones so it didn’t feel too much longer x

[@Mimiplansandknits]

So happy you finally got to enjoy your trip. I too am not happy with the budget mom planner. I was very excited to get it. But Meh? I dont think its for me. Sure I always stay till the end.

[@mymoneymatterswithest]

Oh Zoe! What a rollercoaster, so glad you managed to get to Prague despite not feeling tip top. I hope the rest of the month is calmer, happy birthdays and anniversaries all round! Gentle huggs x

[@adayfullofbudgets]

Lovely to see you back on YT. You’ve definitely had an eventful month. Amazing side hustling and will keep a look out for the cash stuffing of it. I find those budgets books way more complicated than they need to be. Bringing sinking funds back in as income just confuses me so I just track the fund and then split the main monthly income to where it needs to go. My mind just boggles by the books. You do amazing with them 💕

[@Sarah-t5t9y]

I have the TBM planner and I feel it doesn't work for me this year - the first year it doesn't seem to. I'm going to keep trying and maybe buy another one in the autumn

[@clairebailey555]

What a lovely surprise. I am so sorry you felt so rough while on Prague but glad you managed to enjoy some of it.

[@Lucyluxor]

What a ball ache!

[@PatriciaHeywood-o6c]

Yes I stayed to the end, it was very interesting. I think that book might have confused me but then I use a cash book from Temu which is simple and cheap 😁

[@donnatate20]

Happy birthday to you and paul. Glad your better now and you got to enjoy a bit of your holiday. ❤ wow what a great deal on the phones. Lovely pictures there at the end too ❤

[@whattheheck...]

Yay been waiting for your cash stuffing video i dont mind the adds i watch them x

[@helenefrench579]

Hi Zoe happy belated birthday to you and Paul you share a birthday with my husband x. Paul looked like he had a great time in Prague, we also where so very lucky we did lose power tho the 4 estates around us did along with one of the supermarkets, I'm watching your video on Sunday and boy it's horrible again today glad you where all safe x

[@laylaa9787]

An eventful January, happy belated birthday 🎉

[@LeLaBudgets]

I’ve asked Julz and she has still got some of her new planners xx

[@cheche2181]

This is a job for you at the end of the day. I pay for premium just because I like to watch things all the way through so now have premium. People will moan about everything and anything sometimes lol x

[@mariajohnson6400]

Oh so sorry you were poorly I will have to visit Prague.

[@sprinkledbeanies760]

Oh yes u need to make some money all your hard work. We all love your videos. We don't mind watching the ads❤

[@The_Scottish_Highlander]

Awwwww just watched x gutted you don’t like the planner xx (I do have planners just for reference) but I’m sure you can make it work for you xx

[@cherryblossombudget]

Yay , great to see you Zoe 😍 aww made me tear up that , describing Paul’s reaction 💜 sorry you was soo poorly 😢 blummin typical that isn’t it after all your hard work saving and planning . I agree with what u have said…. The planner is there to assist us and help , so we have to make it work how WE want. It’s just a tool isn’t it. I use them as I wish and not as it’s intended, but as you know I am a rebel 😂🙈. I like the coil. The paper smells weird though 😂, I ignore what I don’t want ( as I did last year and the year before with different planners ) and I label my pens , I have about 8 categories. Interesting about monzo customer service. Great deal with the phones Zoe , that is an amazing amount for recycling your phones , well done you 💪💪💪 great side hustle and this is a very useful video 🥰💜 see you soon 😍🥰xx 💕🌸💕 edited to add , great photos ☺️🙊💜

[@bindiboo1]

My head was hurting with the budget planner lol. I have tried with budget planners but I just can't get used to them. I've been using Ynab classic for years, so I stick with that. I don't track my spending as it's only me but I do think if you have a way that works for you then stick with it. Nice long video, I enjoyed catching up. Prague sounds great, shame that you were ill but I hope you both enjoyed it as much as you could.

[@JennStowe]

I feel the exact same way about TBM planner, I couldn’t wait to get it and I hate it. It costs me $86.00 Canadian to get it….never again. I’m glad to see there are others that are not happy with it because I honestly felt how can I not love it, everyone seems to love it. It’s so much paper, it’s overwhelming and it’s so darn heavy. I went and bought a standard planner and instantly felt better however I hate that I wasted that much money buying that darn planner!

[@MC-hn5go]

Wowser Zoe, what a January for ye 😲 But what an end to it & such positivity ❤️❤️❤️ You really are a Super Trooper💪 xx

[@planninginherpjs]

You and my daughter share a birthday! She turned 21 this year. Happy belated birthdays to you and Paul!

[@staceym4561]

I downloaded tbmp aswell thought id would like to go back to a paper planner and i only could use it for 2 weeks, writing everything down done my head in digital jist works better for me. I had to many catergories aswell, i had a binder just for meself think i had nearly 20 catergories just for meself madness drove me insane, so now i just have 6 sinking funds along with my bills and weekly spending so much easier.

[@GillianBudgets20203]

😊 Hello Zoe💕

[@upthecreekbudgets]

❤❤

[@Shellyscashstuffing]

Ad your talking about ads, I get an Ad! 😂😂 listen you don't need to justify your Adsense to anyone. They either watch or don't watch. But where have you been in January!?

[@AfterBudgeting2307]

Lovely video 🩵🩵 Julz planner was the first one i got and i loved it so i brought it again this year, i’ve looked at others and they were too complicated or not got what i needed 🩵