FINANCIAL RESET for 2024: money goals, annual budget review, 2024 budget setup 💰✨

New year, new me!! I'm so excited to run through my annual budget review, setup my new budget for 2024 and chat through my new financial goals in today's video. Let me know what some of your money goals are in the comments! 💰
Budgeting spreadsheet: coplenty.com/smileycitrus
OR USE MY CODE: SMILEYCITRUS10 to save $$
I use the Yearly 2.0 spreadsheet!
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▸ INSTAGRAM: / smileycitrus
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For all business enquiries email at: [e-mail]
★ FREQUENTLY ASKED QUESTIONS ★
✰ How old are you? 27
✰ Where are you from? I'm originally from England but moved to Adelaide, Australia when I was 9 years old. I also spent 2 years living in Toronto when I finished high school which is why the accent is a bit all over the place 😅
✰ When did you get married? April 2022

[@reannedybala5828]

Please please please don’t stop making financial videos

[@smileycitrus]

I won't 🥺🤍

[@kateaustin1357]

Have been looking forward to your annual financial reset! Absolutely loved it, I stopped what I was doing this evening to take 20 and watch ♥️

[@kira5612]

Thank you for making these videos. To be honest I didn’t do good at all with budgeting etc for 2023 so this year I’m making the time to actually set goals and focus. So it’s always encouraging to hear from people who also have their own goals and it feels less overwhelming for me seeing other people who are also on their journey. ❤️-Kira

[@myosumiko8909]

I would love to see when/how you started sharing finances with your partner and what tools you use to manage this (e.g., a joint bank account)! please keep making videos like these!

[@alexkeuken6867]

So motivating! Think this is the year I finally start tracking my expenses to hold me accountable! When the spreadsheet looks that pretty who could resist 😂😍

[@tarrynjaynebillington4327]

Been waiting all day for this! I'm so excited to start using this budget while i move into my first home with my partner.

[@matildadevere785]

This is such a motivating video! Happy new year Ella ☺️

[@mhairirobertson]

Purchased your spreadsheet! Feels like you've already given me a tutorial on how to use it haha. Thanks for sharing :)

[@belloves2laugh]

Love this video!! What a detailed overview of the year, love your transparency! The graph with the low buy month is so cool to see!

[@smileycitrus]

thanks lovely! super cool to see all the graphs and identify areas of improvement ✨

[@kimskarratt395]

I have been a silent supporter for over a year. So proud of you to be achieving these goals and being so focused at such a young age. Great role model for the younger generation. I love your spreadsheet. im currently a planner budgeter which I love but might also look into the budget spreadsheet you are using as i love the year overview it gives. Thanks for your real updates. May 2024 bring happiness and fullfillment for 2024

[@smileycitrus]

thank you so much 🥺 this comment means the world! have a great 2024 🫶🏼✨

[@lauraj8451]

Loving the smiley phone case for smileycitrus! 📱 loved the overview for 2023, and thanks for helping to motivate us to set goals for 2024!

[@smileycitrus]

haha I was hoping someone would notice!! & thanks lovely 🥰

[@gabbysteed9562]

these videos are getting me through my workouts, love them Ella 😍 keep them coming!!

[@smileycitrus]

yay!! i'm so glad 😍

[@lauramiranda8990]

just bought one of the spreadsheets, thank you so much for your amazing work!

[@Yollie26]

I'm loving my spreadsheet too & i emailed the company how to download the latest version with rollover & they responded an hour after even though they had their out of office on. Great service & product & you do a great job showing us how awesome it is. After a month i could already see where i had to make improvements in my plan. 😊

[@smileycitrus]

Thanks for sharing! that's so great to hear 🥰

[@kimsmith3265]

Your reset videos are my fav please keep them coming

[@smileycitrus]

thanks so much 🥰

[@simona_bee]

thank you for making financial videos! so inspiring and motivating

[@smileycitrus]

You are so welcome 🥰 thank you for watching!

[@TaylahLouiseBudgets]

Yes please! Clicked immediately ❤❤ The yellow dress looks so fkn cute on you 😊 I wish I had the patience to track my spending this detailed 😂😂 but also don’t think I really wanna know ….

[@ahnaliesemaria]

the annual data looked so in-depth and good!! I had to buy the template lol. Counting it as an investment in myself!

[@smileycitrus]

yes!! we love that 😍

[@lee-13]

The new year on a Monday did something to me.

[@ricebubble4]

I absolutely love your finance videos! It’s so interesting to see how other people manage their budgets. I have a question about the spreadsheet - how does it work if you spend from your savings? For example, you’re allocating money to your savings for the US trip. Is it possible when you spend that money to specify that you’re spending from that savings pot, not from your income that month?

[@user-bd8xq1md6d]

Hi Ella ! Loving the coplenty spreadsheet 😊 Can you please share what you do with annual bills or quarterly bills like rates notices ? Do you break them down and put aside a monthly amount to cover ?

[@smileycitrus]

Hi! so happy to hear that! Yes! I break down our quarterly bills to a monthly amount and set aside the money for it every month eg $40 for water per month

[@edwardleecaliforniausa]

Hi Ella happy Wednesday night and I hope you having amazing day today and I loved your vlogs and you are amazing Supporter

[@bethlorraine9370]

Love this video! And that dress 👌🏼👌🏼

[@knomsaiwang]

Hny! Just want to say I love your videos so much because you really inspires me to start continue my financial journey. I wanted to write down my goals but never really did it. Now I start to write down some and it does help me to see where I am going which really helps me in the past months. Thank you for your transparency and advices! I also purchased the spreadsheet! It looks very nice, but havent really gotten into it yet 😅.

[@smileycitrus]

this makes me so happy to hear! go you! the budget is great once you set it all up 🥰 so so satisfying

[@Nengayydiswiss]

❤wow Happy budgeting 💸

[@jaimestansfield8370]

An idea for you, you could put your emergency fund in your off set account so you have access to it in case of an emergency but it is helping with the intrest on your mortgage x love this video

[@smileycitrus]

we do that!

[@caitlin.alicia]

I love how you're girl mathing everything. I do it too. Did it today with -> its 12k a year for a condition I have, girl math'd it to $250 a week.

[@smileycitrus]

I truly think everything can be solved with a bit of ✨girl math✨

[@KatelynPetryka]

Hey! I have the same budgeting spreadsheet as you! How do I get the annual tab? Or is that something separate to purchase?

[@LisaLai]

How do you go about saving for your quarterly bills with every pay check but it being taken our quarterly in the tracker? I can't get my head around it!

[@HelloDaisy]

Omg I love this!! Can you teach us how to make those charts!! I am a beginner in excel

[@smileycitrus]

I downloaded the spreadsheet! it's linked in the description box with my discount code x

[@MK-iy4wt]

I love your outfit! Where is it from?

[@yvonnejessice11]

I want to buy the spreadsheet but I’m not tech savvy or have ever used a spreadsheet! I was just wondering how you keep it updated? Do you at the end of the week go through your spending and update it? Thank you! ❤

[@smileycitrus]

that's ok! it's super easy, you literally just type in the numbers and it does the hard work for you. You can update it as often as you want. I usually try and do every few days or at least once a week x

[@courtneyboyd6401]

Do you count your super in your net worth? I would love for that tab to be an addition to your monthly financial resets 😊

[@alimcarthur5019]

It didn’t look like it did it? You totally should add super in Ella! That is your money it seems so far away but so much of your income is tucked away in your super funds plus always a good idea to keep a close eye on their performance 😊 Will be a good boost to your Nett too.

[@courtneyboyd6401]

@@alimcarthur5019i agree! I feel like so many aussies don’t count super in their network or as their money but it definitely impacts your total financial overview.

[@alismom2335]

I am having trouble downloading the file that I purchased. Do you know how to download it?

[@allee541]

I completely agree I love the spreadsheet, I didn't start using until mid year though. I actually contacted Coplenty to ask about the rollover, I was confused and didn't understand how to use it. ! I have made contact with them again and they have explained it to me step by step and have it sorted. They are so helpful if anyone else is not savvy like me and gets stuck. I was trying to enter the "rollover" amount but it is automated!! how cool is that. I also wish I was that clever. Also hoping you can tell me your thoughts on paying bills before they come and the bill comes it is in credit. I like it and it has been my go to method for a while but I want to start off the new year right and so at the end of the year I can have a true reflection on income, bills etc. Thanks for sharing. Are you still going to do the videos with going through your budget?

[@coplenty]

Hi Allee, we're excited to hear you love the spreadsheet! 💖We're more than happy to send you the new, updated version.

[@user-tf6ml9vr3z]

@@coplentyis it possible to also get a new copy sent through? I’ve been doing the same as Ella and having it as income so it would be amazing to have it as just roll over without buying another new spreadsheet 😊

[@coplenty]

@@user-tf6ml9vr3z Of course ✨Everyone who purchased the 2.0 version can get the updated file

[@teganroosing217]

Hi queen 🥺🥺

[@smileycitrus]

Hi 🥹

[@lexabug13]

Amazing video! Couldn't you put your USA trip as a sinking fund rather than a savings fund? Or would they be the same in your mind? I am thinking about downloading this template and want to hear your thoughts!

[@lexabug13]

Also, another question lol. If you are going out to eat and have a couple drinks. Do you break the paycheck down into your eating out fund and alcohol fund? Or just have it as one combined expense? I like the idea of having more specific categories to really track how much I spend in each, but worried it will be too much of a hassle to go back and divide all of the expenses if it one paid at one time.

[@smileycitrus]

yes you definitely could!!

[@fandebudget9778]

There is many budget spreadsheet on Coplenty, which one do you use ?

[@smileycitrus]

I use the Yearly 2.0

[@parish5739]

Does anyone know any KZbinrs in Aus that do this type of video but low-income & or single income? TIA :)

[@11227denis]

What’s an offset account?

[@yvonnejessice11]

Which layout version do you use for the annual?

[@smileycitrus]

I have the yearly one 3.0 I believe

[@ihama99]

12000 just to travel to The U.S. Thats super expensive.It doesnt cost that much for tickets or hotels except you doing 1st class and staying at super luxury hotels.

[@smileycitrus]

the Australian to USD exchange rate is pretty awful so everything is a lot more expensive for us

[@jazzguitar1221]

Are you using Google sheets?

[@EmsFitVenture]

But is the income in this spreadsheet after retirement and taxes have been taken out? Then you are still a Gross $180k household.

[@smileycitrus]

the income we put in is always after taxes and retirement

[@EmsFitVenture]

@@smileycitrus Then you haven’t been lying about income. At least, I don’t think you have at all.

[@KattsLife]

💸💸💸

[@simoneee4227]

Which spreadsheet did you buy?

[@smileycitrus]

I have the annual one!

[@annettefid]

Middle-aged white men: mad when women make more than them, mad when men financially support their partner 😂 Great video!

[@jessicatounkara8753]

So much money on coffee.

[@smileycitrus]

everyone values different things! our coffee in Australia is so good, it would be rude not to.

[@bobbih2022]

my husband and i also spend a lot on coffee. we live in chicago which has great coffee and it's a fun hobby for us. other people gamble, have fancy cars, expensive clothes, but that's not our thing. no shame!@@smileycitrus

[@sofie.alexandr]

Loving the more regular uploading schedule!! Ur consistency isn’t going unnoticed 🤍

[@smileycitrus]

you're the best 🥹🤍