Do This Every Time You Get Paid. Accountant Payday Routine

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In this video, I share my 8-step process for managing my paycheck on payday.
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🎥Facebook - nischa.me/nischafb
TIMESTAMPS:
00:00 Intro
00:18 Step 1
01:51 Step 2
02:59 Step 3
05:29 Step 4
06:47 Step 5
07:27 Step 6
08:20 Step 7
09:43 Step 8
🧡DISCLAIMERS & DISCLOSURES
This content is for educational and entertainment purposes only. Nischa does not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.
This description contains affiliate links that allow you to find the items mentioned in this video and support the channel at no cost to you. Thank you for your support!
*T&C's apply

[@nischa]

Get the free payday routine tracker (mentioned in the video) here: nischa.me/intentionalspendingtracker

[@JsuisMamadou]

Hello Nischa your Form don't work.I try to Download the tracker and i got this alert :" Sorry, your submission failed. Please try again."

[@nischa]

@@JsuisMamadouhopefully it’s working for you now?

[@Jsmordangames]

Hey Nischa, this still isn’t working?

[@nischa]

Email [e-mail] and we will get the tracker sent over :)

[@adry729]

Tried twice and I never received an email, also checked spam @nischa

[@ianwhitworth3264]

I became debt free in 2023 by learning to live within my means. Now, the money that was paying off debt is going into various savings and investments for the future. Thank you for all your advice, looking forward to the next video!

[@jaspal201]

That's good to hear Ian. Keep up your good work

[@David_Quinn_Photography]

keep up the good work, if you can get past the status life style it's your 1st step to freedom.

[@Brian-dh2zz]

I have my 6 month emergency fund, and what I call a miscellaneous fund, this fund covers things like AC unit replacement, new roof, etc without dipping into the emergency fund. It's an emergency fund for the emergency fund. I budget for Christmas gifts, vacations, etc throughout the year and never need to take in debt. I live well below my means, my mortgage is about 10% of my income. Tomorrow i will be leaving for a 10 day cruise that I spent $14k on, not a single cent of it borrowed, all paid in cash. I am normally way too cheap to take a vacation, its been over a decade but I'm finally taking one and decided to splurge.

[@sasheenrodrigo3464]

The backup emergency fund is such a neat concept, I'd definitely pull up an account for that. I hope you had a lovely trip, you seem to deserve it!! :D

[@MJLGEE]

Well Don - enjoy your cruise!

[@ayushvarshney357]

Could you please make a video for teenagers, how should they start their financial planning

[@cristinacerdanb]

Very good idea

[@mukkaar]

Honestly, just get educated. If you get super lucky and somehow get high paying job, maybe financial advice would be relevant. But in thay case you can just apply general financial advice. But really, just get educated and don't take loan if you can avoid it with something like part time job. Overall, personally I think you should just have fun and not worry about this stuff. I mean if you go trough normal higher education route, you are still in your early to mid twenties when you graduate. And while many grifters on internet claim higher education is not necessary, on average, people with good education are *much* in much better situation financially.

[@ayushvarshney357]

@@mukkaar working in 9 to 5 job is not productive and you also know it. getting educated is alright. but it depends what type of education you are getting. education system is just a consumption of facts. do you think all the rich people became rich by following the normal script. and even nischa is earning from you tube. she is not following the normal person life

[@mukkaar]

@@ayushvarshney357 You should get educated anyway. Most of these people with big businesses were either already well connected/from rich family, or they were in school, did business at side and it flourished so they dropped out. Or one of the more common ways is that you graduate, get experience and then start your own business. So yeah, if you want to become rich, entrepreneur route is what you want to do. But that's even more reason to go to school. Often schools also have a lot of resources for entrepreneur endeavours, and you get connections. Not to mention it's about hedging your bets, even if your business doesn't work out, you still have degree that pays well, and you could even use that higher paying job to support your business.

[@mukkaar]

@@ayushvarshney357 Even if we take these very exceptional cases, most if them were in school, but dropped about because their business became lucrative opportunity. Most people that have successful business are graduates, school gives you resources, education and connections. Often schools have very good support structures for entrepreneurs, and access to networking events etc. It also works as both support and safety net for you, as you will have something to fall back on, or maybe you can use your good paying job to support your business till it becomes feasible to focus on it full time. Ultimately, there just isn't a reason to not go to school, especially if you want to become an entrepreneur. It gives you connections, education, degree and resources/help to pursue business. And furthermore most people establish their business after gaining experience in the industry, which means you need degree to get good job. I'm not saying this is absolute but just looking at the overall situation, people that have gone to school have a massive advantage in every way.

[@danaj.4609]

I love how you dropped this a few days before payday, so efficient

[@beans953]

Yeah that’s the idea mate

[@Kenyasterling]

Same for me too

[@shutupnvibe]

This came in my recommended 2 days before payday. Much appreciated too!

[@bobby8630]

Hi Nischa, I am 40 years old, was homeless 5 years ago before I started to get my life back on track. Since being employed, I was always ashamed to look at my bank balance, the ostrich effect... like you described. Thank you for giving me a system and the courage to face my finances, and to help put this chaos into order.

[@GeoffreyCaesarSolicitor]

Thanks for another very helpful video. You don't pass judgement on the fact that many of us are appalling at money management and you instead focus on what we can do to turn things around. Much appreciated.

[@jillmorrison9883]

your advice about paying off interest balances vs the savings made so much sense, I legit paused the video and did just that lol. I can be such a hoarder sometimes that I forget that I'm actually paying more than I am saving.

[@sanjajohnea4825]

Same to me. I cleared a 16% loan running for 5 years within the 1st just because of Nischa's insights.

[@RevealedFilms]

No one ever got rich from saving…invest!

[@djjoshski]

As someone who’s financially literate but who’s had to learn to be. It’s so hard for me to spend money on things I want. Pretty much all of that goes to investments / savings. The mindset once you have it’s hard to break it.

[@LearnGermanwithMarzipanfrau]

I understand what you mean. You wanna live, but also don't take any risks.

[@IssaMeZane]

Oh wow, that’s exactly how I feel. I even made a Splurge account to spend on whatever I want and I still feel guilty…it sucks

[@djjoshski]

@@IssaMeZane Yeah ive been investing for 5 plus years i finished uni finance major and now I've realised I've actually been to frugal. I know its been an opportunity cost but the mentality to spend restricts my happiness for even small things like coffee i find hard to pay for, if its someone else i don't mind but myself it's hard. when you come from a place of hardship at a young age you never want to fall back into it, financially I can't but mentally you can and that's the fear.

[@blade643]

@@djjoshskibreak it down mathematically. Give yourself a percentage. Try 5-7% at first. You deserve it. You’ve done an amazing job! Or if you cant bring yourself to doing that yet, have a goal in mind of what you want in your investments. 100K is a great mark as suggested by Charlie Munger

[@pratimabhatt5079]

​@@djjoshskiCouldn't have put it better.

[@autoclearanceuk7191]

I am planning to use nearly all my pay this month to pay off a credit card that has 7% interest.

[@SEANPOL203]

If my credit cards had 7% interest would be happy , 15-40% is examples of rates I’ve had in past

[@autoclearanceuk7191]

@@SEANPOL203- it is a special offer. Similar to 0% balance transfer promotions.

[@liamloughhead6687]

Good luck !!!!!!!

[@Mujcanal]

Go for it ! You will feel a lot better with no debt.

[@bubandit06]

Jayzus! 7% would be a dream!

[@PorscheSpeedster-kz6nc]

I appreciate that your content includes the US and US market data. Thanks.

[@jillmorrison9883]

agreed

[@godwin_njoroge]

Hey Nischa, just wanted to say thank you. I've been using your spending tracker and it's been really helpful. Thank you for all you're doing

[@sansaechao2023]

Just downloaded the spending tracker and holy crap it's an eye opener where my money going. Im trying to pay off debt(17k) and this will really help me. I never had a budget and didn't know where my money is going at the end of every month. You just got a new subscriber and I will come back to this comment at the end of the year with an update🙏🤞

[@Babybunnyxox]

Keep going!!!🎉

[@emi62507]

Thanks Nisha. Your 8-step process is a much better process than others I've seen around. And you dropped the video nice and early for us to implement in February.

[@barbarapatino5458]

OMG, not only do you have the most beautiful eyebrows I've ever seen, you're so, so, so helpful and real. Thanks!

[@eddiecleaver5376]

Thank you so much Nischa. I’ve subscribed and watched several of your videos, there’s so much to learn! I took your advice regarding putting 10% of my monthly pay aside for savings. Great videos, thank you.

[@rbags934]

Downloaded your spreadsheet and did it for dec/jan and I couldn’t believe how much of an eye opener it was! I really didn’t know how much I was spending and it’s def made me more accountable for what I’m spending my money on. Also moved credit card to 0% interest to help me clear it more. My focus is to pay off my debt and then start saving for the future ❤

[@nischa]

so happy to hear this!

[@Clary_Sage]

I have just downloaded the tracker and look forward to experiencing the same. Thank you, Nischa.

[@jseels]

Where is this spreadsheet? interested!

[@Jess-T]

I've done 2 things this month as a result of your videos: - set up a standing order to pay my credit card each week - used the Insights tool on my online banking app to identify that I was spending £150 on unnecessary purchases. Long term, I plan to have a BTL when I remortgage. Thanks!

[@Truthseeker-iz3dj]

Now you just need to make videos like this to get the real money. 😂 Many professionals are making way more on KZbin then they would be doing working for a company.

[@raieven]

These steps make so much sense to me, I've always deprioritized the employer match and literally everyone screamed at me for it. I'm going to follow the rest of your steps these month! Subscribed! 🎊

[@summer7honey]

SUBSCRIBED!!! I really like your content. It's consistently sound and for me relatable. What really really appealed to me the first time i watched, was that u talked about finding your ikigai.. that spoke to me!

[@mikegreene7883]

My wife and I went to a financial planner in Canada and their advice is pretty similar to yours. I do love paying off debt. It’s a very satisfying feeling :)

[@spacecowboy1482]

In one of your old videos, you talked about the different businesses you tried and that failed. We would love to hear more about those failed businesses and what you think made you fail

[@nischa]

Hey! I mention some in my video titled 3 Money Laws

[@spacecowboy1482]

@@nischa oh, how did I miss that, I thought I binge watched all your videos 🤦🏿

[@Julian-xo7vj]

Very sound and comprehensive advice. I appreciate your enthusiasm and directness.

[@thatsnotmyname2798]

My god, I'm so glad I found you! I've been watching so much money advice from self-taught people, but never from someone with an actual accounting qualification. Thank you so much for clean and straight to the point video!

[@harambeexpress]

Caleb Hammer goes over this stuff nearly every episode he does - but this is an excellent and well explained summary. Especially explaining why "not overpaying" is better and what that means in the easiest to understand manner.

[@abhiban8438]

i hv enjoyed your video earlier on intentional spending tracker too much.. used it and modified as per my requirements. may be you are an accountant but your presentation is very cool.. thanks for being so transparent, humble and confident.. your google sheet is really really very useful though it looks so simple. All good wishes..

[@cjhickspe1399]

I could listen to Nischa all day.

[@sserton2839]

New to this channel - your views of money management makes so much sense! I’ll pivot some of my categories to update into your discussed suggestions - the couple of tweaks I envision to be the missing pieces I have been hunting for! Thanks from 🇨🇦

[@CosmicCreation-ef3ey]

I just watched this video of yours, and it was surprisingly informative! The host really knows their stuff about. I appreciated the detailed breakdown. Definitely worth a watch!

[@Fiercedeitypwns]

Nischa, you are diamond in the rough. Love your content and keep it up!

[@vijayshah4880]

Thanks Nischa, for weekly financial updates.

[@Shannonslittlebubble]

Absolutely love your videos. You give such great advice that I actually understand. Thank you for your time on all your videos.

[@itzjustkay1972]

OMG I came across your channel today and haven't been able to stop watching your vlogs. I kept saying she reminds me of someone, yes our former director at work. Quite a lot of similarities, I enjoyed your vlogs. I probably would have never searched for anything in this area but am glad I did and subscribed. You have a wealth of info and you explain it very clearly. Thanks for sharing, appreciated. 😊

[@X-MEN21]

You're literally an account saver, I really need this, thank you so much.

[@figimah227]

I'm so grateful this video popped up on my recommendations! I'm just beginning my career and already planning out how I want to allocate my funds, even though I haven't even received my first paycheck! This video helped validate my desire to pay off my student loans ASAP. Personal finance should be taught in schools, but it's not, which is infuriating. So seriously thankful that you've put all this into a video!

[@Fuaarrkk]

I break my payday into 3 steps. 1. Savings 2. Bills/debts 3. Leftover Soon as I get paid, I save 1k minimum, I pay my bills and then whatever is left after that is fair game. It is definitely important to figure out how much your living expenses are and that will determine how much you’re able to save safely to ensure you have enough to cover your bills and living until next pay as well as building your savings. I’m able to save a minimum of 1k every payday because I have a very low maintenance lifestyle. Edit: I don’t make a lot of money either. I choose to live under my means and very minimalistic so I can build my savings. Some people don’t understand that you have to make lifestyle sacrifices until you’re in a position where you can live a bit more extravagantly.

[@Theleaderstoolchest]

Thank you for making such incredible videos! Keep it up!!

[@Wayne_Nero]

This person speaks the truth. Zeroing out credit cards makes you feel great, and having money in the bank builds confidence. Do it!

[@celestial7990]

Your videos are so informative and important! Thank you so much for your videos. Just subscribed to your channel and plan on coming back to your videos. I’m so excited to start saving, budgeting and paying things off. 😊

[@ld5714]

I absolutely love listening to you Nischa! Larry, Central Valley, Ca USA

[@shreddy_mcgnar6359]

Great video Nischa! Can't wait to show it to my daughters when they are old enough to understand financial literacy.

[@rodcampbell4784]

Your amazing. I'm learning so much. 2024 is gonna be my year. Thank you Nischa ❤

[@IAmebAdger]

Short and sweet video, good going. I see lots of potential in this channel to provide financial advice to normal people (and perhaps do more tailored advice like Q&As or live discussions), so I've subscribed :)

[@xlauranatalie]

Im a decent budgeter, but your spreadsheet is way simpler than the one i created! Love it ! Thank you

[@ranjitsingh1622]

Amazing advise! Definitely putting a lot of this advise to good use!

[@TougeF30]

Best financial youtuber 👏🏻

[@incognito2631]

Very informative thank you for this video subscribed and looking forward to viewing more videos the delivery of information is impeccable

[@anncromarty2590]

I like that you call it an essentials fund. I had been seperating it into fixed and variable costs which made it difficult since some variable expenses like food are essential. I am going to recalculate now and then download the app you linked. Thank you for your help and cogent explanations.

[@adriansmart-morraes380]

Thank you so much for this video. It is brilliant.

[@drsashina]

This is gold! Thank you for sharing this wisdom!😇

[@VitalBusinessMatters]

Nisha shares her wisdon so freely. I am learning a lot from her too.

[@nishanishani4118]

Hi Nischa, I've been watching you over the years now, and Must say this is one of the platforms I always follow to have my financial life in order. And would like to request if you can make a video on credit cards, the advantages and disadvantages of using one, how to make the best use of a credit cards and how to manage with it without falling into trap? please consider. ❤

[@SEANPOL203]

Don’t use them at all , they are good for very little

[@VitalBusinessMatters]

@nishanishani4118, i will be dropping a video on that topic this Friday. Make sure to check it out on our channel. Hopefully it answers some or most of your questions about credit cards.

[@I_m_Akaza]

Awesome video and thanks for the free and useful spreadsheet.

[@mrnmt1122]

I just listen the flow of language comes from u amazing 😊

[@Mrs_Hill87]

Love your videos, you're doing an amazing job with your content ❤️

[@VitalBusinessMatters]

yes indeed. her channel is doing so great. i am happy for her.

[@Hello2u3582mypincode]

Also I started brushing my teeth more and am having 4 monthly clean ups instead of every 6 or 7 months. Instead of huge bills I had none last year for the first time in 7 years!!

[@MoumitaSanyal-kc3uv]

Honestly speaking, I really like your idea. I am going to start working your way. Thanks for sharing the idea.

[@crossheritage]

This is actual good advice. Listen to her and apply.

[@Parseenfroo]

I really look forward to your videos.

[@tia9706]

Just stumbled across this video on the home page. I've been doing this manually for years. I'm a fan of the waterfall method, my few cards are all around the same interest rate, and I use a spreadsheet for that; I don't know why I didn't think to do the same for income and itemize bills on one! 🤦🏾‍♀ That said, seeing this was well-timed for me. Thank you for making this video!

[@sarahzaidi7149]

Thank you so much for this! Especially the spending tracker helps so much! I already feel sorted in life :D

[@nicollel.9374]

Agreed

[@nf2804]

Your videos are amazing, i just found you now! I started budgeting after covid, i lost my income, ive been in complete shock! Since then im budgeting, calculating my income for a year, month…i know my liabilities bills/credit cards…and im just so glad that without any prior knowledge my checklist has a lot of common points with what you are talking about. Schools should teach how to be mindful about money, we would all have a better future a chance for a better life…im around 10 years late😢

[@FrancescoMarelli84]

Great video as usual Nischa ! By the way, if all else fails, or if you ever get bored ... please do consider doing something with your voice ... whether its narration of stories, radio work or what not. Seriously your voice is unreal, super super beautiful. If you wanted to, I honestly feel it could be as recognizable as a Morgan Freeman, or a Bruce Buffer, or a David Attenborough... I am not joking. ❤

[@johnmccrae1102]

Again compound interest is the key and backed up by a rainy day fund first.

[@truthseeker8524]

Hi Nischa. You may have covered this in another video, but would be interested in knowing what percentage (without revealing the money) of your income you make from each of your streams to see how feasible it might be leaving a high paying job and then replacing with multiple streams.

[@twishamohin]

How am I just finding your channel? Oh my god love your videos ❤

[@halwaffles]

As a budding tax accountant (currently in my master’s year), I love this! I actually did a weird version of this to calculate a suggested budget for when I move to my job after graduation where I calculated my estimated taxes to figure out my after tax funds I’d probably have so then u could figure out what money I have to work with for rent, food, savings, etc. It’s so helpful and I’m excited to refine it as I know better what my spending habits are!

[@christophergrantham4733]

Great video, I really enjoy your presentation style and how accessible you make the information you present. Here in Australia, low-interest credit cards are rare and most issuers market high interest rates credit products to consumers with shiny extras like reward points, travel insurance, etc. Most of these come with 45-60 day no-interest periods and then afterward a high interest rate of 18-24% kicks in. I would really like to see more educational content on the risks of growing debt and how people might benefit from rethinking these kinds of products and how the benefits often don’t justify the risks and associated costs. Perhaps some content on restructuring debt could benefit this audience too, I am curious about credit transfers? I also hear many people describe their approach of leveraging the credit card to maximise their points by putting money off their day to day loving expenses on the credit card V and then paying it off before the interest-free window closes but this also sounds risky to me as a lot of credit card offers seem to be higher amounts than most people’s monthly income…

[@MsJsmith99]

It's called managing risk. It is risky if you don't have the funds to cover the payments but I assume people are sensible enough to have the funds to pay it off before the interest-free period ends. If not, they need a course on managing their finances.

[@VitalBusinessMatters]

Credit cards come with their own drawbacks. Undoubtedly Credit cards offer convenience and valuable perks. However, they also carry potential risks and drawbacks that need to be carefully managed.

[@sophiarashid8121]

Forever grateful for these videos, please keep doing what you do!!

[@tulikachanda5425]

Very nice video.a lot of information included in this video.thank you for making this type of video.

[@semolinasemolina8327]

Thank you for doing all of these videos. I am 40, have adhd and I have been so reckless with money! So whilst im about to possibly get some money, I'm very conscious about how I've mismanaged money in the past. I can see myself buying a Dyson air wrap and taking all my friends on holiday to say thanks for your help when I was broke! However, I think a better thank you would be to maybe handle it better!

[@mrgainey]

Liked and subscribed! Thank you for this information!!

[@annamira3342]

Hello Nischa and thank you for the very helpful video. I am a Polish woman living in France. I have three debts and two credits to pay. I will pay one credit and two debts in 14 months and one debt in 18 months. The last credit will be paid with half of that I will have after my payment and in 2 years I hope to be free of debt and credits. It'so liberating to have a debd or credit paid. 🙂

[@jbrethous]

Nischa, you are fantastic!

[@KiloSportsShow]

This was so helpful, seriously!

[@jonathanevans3500]

if you can get to essentials being less than 60% is only 10% of top earners in the uk

[@YasmynTVx]

Tbh, I found your channel in December and you literally helped me identify £300 in interest which I was at risk of incurring this month 😊 managed to moved my money around to make sure I have zero interest debt going at the moment 🙏🏾 thank you !!

[@carlosarreolajr2863]

Thank you for these videos !!!

[@mikewalker5618]

Love these videos- thanks

[@melusineconteuse2751]

Dear Nisha, I love your talks. Could you make a special video about people having really irregular incomes due to independent work? Like artists who makes shows (like me), this is quite unpredictable, how much will come. I do manage also with side hustle like airbnb renting and giving trainings. Nothing regular :)

[@VitalBusinessMatters]

That could be an interesting video. Good suggestion.

[@syedzafarahmed2366]

Good clear and constructive information. Thanks for sharing

[@BH-hr9tp]

Thanks for the information. You've opened my eyes to the concept of compound interest.Till now I'd never really knew what it could do . Now instead of a cold baked beans pension I'll at least have hot baked beans and sausages. If I can be disciplined on payday things will be even better.

[@thatsnotmyname2798]

Hahaha I laughed at the beans and sausages comment. Good luck!

[@emellious]

thankyou for the video nischa!

[@777VIV]

yay youre back

[@mbengeni.jonathanratshivha6125]

you have such a subtle accent it makes it even easier to listen to ya.😁

[@jaguarpw]

I like this video. I learn quite a lot. Thanks Nischa

[@SmallsNY]

I just joined the under 30% club. Happy to subscribe.

[@mrmike5849]

Nischa you make accounting look good 😂! On a serious note I enjoyed the advise. Thank you

[@VitalBusinessMatters]

Yes she does. 😊

[@poetarchives]

Could you do some videos on accounting for small businesses please ? I own my own business and its all super confusing and you'd explain it so well

[@Silvio67]

great idea

[@RoccoG74]

Traveling, transportation and meals (business travel mixed with some personal time).....

[@poetarchives]

More specifically, doing your accounting, paying tax, when you have to pay and how to pay for all the taxes and everything after making money

[@VitalBusinessMatters]

@@poetarchivesgreat video it would be for small business owners.

[@VitalBusinessMatters]

Good suggestion especially for small business owners.

[@David_Quinn_Photography]

great video, it looks like I am still on the right track.

[@shivanigurung8209]

Thankyou Nischa!

[@Jace_Drone]

Appreciate ya as always

[@bigmarc977]

I use this method, you can tailor it how you want to, and the core point is accurate. My only push back is that I would prefer to have 3 months of emergency funds.

[@Momentum88]

Can’t wait to put a few of these in practice. Thanks!

[@mishutz]

Hi, Any tips in dipping your toes in passive income? You're really great at giving advice

[@gtidamon]

Smoothest ad / sponsor transition ever! 😂

[@brandonjames160]

Subscribed this is great information!

[@paulwaters6384]

Amazing video series, Nischa. I'm a complete bore and have full double entry for my own finances going back about 15 years. If you've ever felt like a sense of completeness on your finances is missing try a GCSE in accounting. Life and the universe will start to make sense...

[@Clauds71]

Thanks Nischa 🧡

[@PayelRoy-mr2po]

This video is very wonderful video.. I realy enjoyed the video.. And Thanks for sharing us this video..

[@youngmaestro4153]

Thank you Nischa!