How I Budget my Paychecks 💸 paycheck breakdown, bi-weekly budget with me & more

[@ggukiescave]

I'm watching so much financial content because I don't want to live the same way as my parents. That sounds bad, but I don't blame my parents for not budgeting and saving because they are not financially literate. As a 17 year old I hope to implement healthy financial habits young so that it gradually becomes natural for me as I become an adult. Thank you for your content. It really helps a lot of us.

[@CarterSullivan]

As someone who studied psychology in school alot of our money beliefs are very much rooted in how our parents handled money & what we saw growing up so its okay to say that and it makes plenty of sense ❤️

[@baus7]

Getting out of the consumerism trap will be of the most help!

[@watchthesefools]

Start young you have an advantage. I waisted my 20s

[@wewe-fx6un]

Seems like a first world problem. I'm from India. Even the illiterate here have some sense of financial literacy.

[@craigrwc]

@@wewe-fx6un That's good to hear! Is financial literacy taught in schools in India? A problem in Canada and the United States is money doesn't get talked about properly. It almost never gets discussed in school and a lot of parents don't bother teaching their kids. They just assume their children will figure it out I guess. It seems only the very wealthy do this properly.

[@mizz.livinglife4448]

This video was so helpful. I’m 35 and just learning how to budget. It’s just one of those things that doesn’t usually get taught. We go through years and years of blowing money and accumulating debt and living paycheck to paycheck until enough is enough. This video was really helpful

[@CarterSullivan]

It's so true- no one teaches us how to properly manage money!

[@HackerActivist]

I just don't know how people don't know this.

[@maliamalis6389]

@@HackerActivist don’t know that ppl aren’t born financial literate? I think it depends on background too not every body grew up with parents having a pay day routine and teaching them

[@Sophia-cy5pm]

@@maliamalis6389 I think what surprised me is “we go through years of blowing money and accumulating debt and living paycheck to paycheck” is what surprises me. I was never taught about being financially literate by parents. I naturally save and am learning to spend my money more. It always surprised me people who impulsively buy items without thinking of the consequences. On big purchases I always put in a lot of research and think of the value of the item vs waiting a bit longer for a better opportunity or another option. Anyone who has ever earned and bought anything knows the value of money and it’s not good to put all the blame on “oh no one taught me this so it’s not my fault how my situation is”. Yes financial literacy should be taught, but using basic logic you should always have a plan to pay for an item vs impulse buys that you should be able to control. Because nothing in life if free, you know up front you will need to pay for every item you purchase.

[@romeromaria773]

@@Sophia-cy5pm it’s not as easy as it sounds I wast thought credit I wasn’t thought how to budget. Now I’m about to turn 25 with a daughter and living paycheck to paycheck. I’m now trying to learn how to budget how to get my credit up. Why? Because I want to live a better life than I was thought!

[@benduenas8228]

23 and just graduated from college and I just landed my first "grown up" job. I've been watching tons of videos about budgeting and i really want to be able to manage my money efficiently. I appreciate theses kinds of videos, thank you!

[@Jax-jx5uu]

best of luck, ben! and congrats on your new job!

[@annadavis6361]

Please start watching more videos like this so that you can spend your money wisely. Good luck

[@suviskinner8654]

Thank you, thank you! Budgeting is such a needed skill! I think the reason most of us hate it, is because we associate a lot of guilt with it! ....because we feel that we are not in control :) which is why we do need to budget! You are amazing!

[@CarterSullivan]

I totally agree with everything you said!!

[@sandramish2229]

Thank you for this great inspo! Living below your means" adjust your lifest, be frugal, budget, save and invest. This helped me out as a 6 figure earner. I've grown over a million in retirementsavings with this method

[@gracedaniels6172]

The term HENRY. Is really so hilarious. Sadly there's actually people living paycheck to paycheck

[@theresamish1746]

Great Job man. You said it all right there!

[@theresamish1746]

the term Henry is so funny. I literally laughed whenever it was mentioned in the video Ps: my first time hearing it

[@sandramish2229]

Don't panic, start out easy, don't buy things you don't need, budget every money, always save a portion of your pay atleast 5%, Invest from your pay check; it grows and helps you accumulate wealth easily.

[@sandramish2229]

read books, gain the knowledge set out a plan or target goal to reach. Get a pro financial expert lead you; follow consistently. You can also build a passive income channel from your investment.

[@jennymarms]

Thank you for this video! I’m moving into my first apartment by myself after a separation, so this really lays it out for me perfectly. I’ll definitely be using the spreadsheet!

[@CarterSullivan]

Aw so glad!!! Defintely find what works best for you! Sending you lots of love and good vibes for this next chapter in your book❤️✨

[@ShukuraOnline]

That’s great. Congrats on your apartment!

[@jessicaborrero1096]

Jen, I’m about to be in the same position. I’ll be moving after Jan 2nd. It’s nice to know I’m not alone!

[@angelachanelhuang1651]

putting a savings plan together.. good idea

[@kayag1892]

Same here me and my wife separated so I’m about to get my own by myself thank you for this video

[@Globerson]

You blew my mind w/ budgeting biweekly. Literally blew my mind. I am always guessing as to what I’ll be making for the month because my jobs are VERY inconsistent like I could make $8k or $1500 it’s hard to ever tell but I obviously know what I made the PREVIOUS 2 weeks so budgeting based on what I made then is what I’ll be doing from now on! Wish I thought of this sooner it seems so obvious now

[@katarinafriss9116]

Pay day and Budgeting IS really fun. I totally agree!!!!

[@CarterSullivan]

YES glad I'm not alone!!

[@ciannacoleman5125]

I love doing my budget. My favorite part is putting money into sinking funds so when I want to get art supplies or books or something I don't have to worry about it messing up my budget. Also highly recommend automating your standard base savings amount to get moved on pay day. That way you minimum savings is taken care of and you don't have to worry about forgetting to move it, then if you end up with extra you can add it. Personally at the end of every month I take any "extra" money i didn't spend and toss it in savings, sometimes that is $5 sometimes $100, then I "start fresh" each month. Great video!

[@h.nicolejorgensen2077]

I really like this idea.❤ Good habit to get into!

[@aracelyalvarez5914]

We keep a buffer of 2000 in our checking account because of our rent. It’s 1545 and I see this as staying one month ahead on rent. And it gives me peace of mind knowing that if anything were to happen we at least have our rent covered. My boyfriend is a blue collar worker so with the rainy season, this makes sense for us. We live in California and the cost of living is so high😭

[@CarterSullivan]

That is such a great mindset💸

[@jaclynjanae]

My friends/family think im crazy for budgeting as hard as I do, but it was the only way to get myself to stop self-destructing haha. I love seeing how other people budget.

[@CarterSullivan]

❤️

[@sabrini13]

Same, finance is such a personal subject to me, I thought opening up to my family about my finances would be like eye-opening to them but all I get is everyone thinking I’m extreme. I haven’t been on top of my finances anymore and I definitely don’t like talking to my family about it, but it’s still important to me

[@lunchroomdad]

Shout-out to all the failed budgeters and ambitious ones trying to get it together like failed weight loss attempts. If I had a dollar saved for all my failed spreadsheets I wouldn't have to worry so much about budgeting anymore 🥂

[@CarterSullivan]

Agreed!!! It's never too late to try again & I failed over and over until I found what worked for me 🙌🏻

[@KatrinaSherokee]

Yes when I was budgeting I felt so good about money and looked forward to working for it. But I fell off. And I know it’s all I’m missing to get back on track. Just haven’t been disciplined to start back.

[@anamont4490]

God I haven’t even graduated high school and I’m already worrying about this. I’m planning on university and I really don’t want to accumulate too much debt, so this is really helpful for when the time comes.

[@Danieei]

Why not go to a community college first then transfer. Save yourself the time and money. I know a college experience may be important for some but graduating with no debt is better. Just my opinion :)

[@jerseynurse6878]

Try to work part time if you can, start at a community college for an associates then transfer for your bachelors/masters.

[@anniemiller1497]

same ^^^

[@CorieMac]

It is so fascinating to see how people budget differently! I prefer to write everything down on physical paper and then transfer to different accounts on my online banking! I may have to try your method!

[@CarterSullivan]

That makes total sense! Thats why I like my iPad now because it feels like "writing" everything down!

[@gotshakespeare83]

I never wanted an iPad (I am not an apple user) until I saw you using it for writing and notes. Now it is on my goal list! So much easier than having a bunch of little notebooks

[@-a2217]

Do you have different bank accounts? How does that work for you

[@moiaddy1]

I do this as well. Write down everything, check the maths, transfer to savings.

[@camtrowers4327]

Thank you so much for this!! I paused at 4:21 and made my own spreadsheet because I NEED to make smarter money decisions this year!

[@CarterSullivan]

Love that for you!! The spreadsheet I showed is available for download in the video description!!! Saves you from copying it, takes so long!!

[@rachelpirtle7009]

@@CarterSullivan The link isnt working for me. Can you reattach?

[@angeniem]

@@rachelpirtle7009 same for me

[@adopsninja]

Payday routine is not your usual routine videos here in YT. But EVERYONE SHOULD WATCH THIS! Managing money is not easy, and it's a skill that all of us need to cultivate. Thanks, Carter for this helpful content! :)

[@CarterSullivan]

It isn't a normal routine video on KZbin however I love posting financial content! Hope you enjoyed!

[@Lemonsmeringue]

Thanks love. It’s awesome to see a young women stacking her money 💰

[@CarterSullivan]

Aw thanks!

[@chelsealeilani64]

You're the first youtuber who is honest about her income. Followed! I love an honest queen.

[@amywhatsername4333]

Watching this now at 22 (almost 23) with little to no knowledge on budgeting, besides "hey! don't spend more than you're earning!" And honestly sometimes I haven't even adhered to that (terrible and unsustainable, I know)!! This has made me feel infinite amounts of shame, stress, and confusion since financial situations are so personal and such a "taboo" subject to talk or ask about, even with friends. Any questions or concerns I have I usually try to talk through with myself, leading to being extremely overwhelmed and hopeless. Thank you for making this video, even though watching definitely made my blood pressure rise a little lol. It made me realize just how behind I've been when it comes to financially planning your future and that everyone should start early. I hope I'm not alone in feeling like this, especially at my age, I feel like this is something most people have started by now 😥 but I will definitely be taking notes!!

[@Rachel-og4fo]

Wow, I've never met someone with the same budget mindset as me! I can totally relate to looking forward to payday and feeling in control of my finances. I have an excel spreadsheet and get so excited when it comes time to create my budget. Also a Canadian 🇨🇦 beautiful British Columbia.

[@CarterSullivan]

Yes budgetting is so fun if you let it be!

[@vickyjklo]

Just subscribed! The honesty of this video is everything. A talk about real life stuff is what people need. Mental health in jobs is so important, money comes and goes. Awesome video!

[@CarterSullivan]

Aw thanks so much Victoria!

[@mailemaitai]

This is so helpful, I was getting anxious because I’m halfway through college and have been lucky to have help from my parents and scholarships for a some of it, but I felt like I haven’t been managing my own money in the most efficient way and was getting anxiety about my personal savings for after I graduate and my student loans. This is a great first step tysm!

[@CarterSullivan]

Aw you're so welcome!!

[@justmeosa1488]

I budget every payday but I was looking to cut back and stop spending so much on eating out. It's a great idea to allocate money to coffee shops specifically. Thanks for that idea! Your payday routine is really helpful to me, thanks! 🙂

[@sweatygamergainz870]

I started budgeting 3 months ago using free version of every dollar app. It lets me see completely where my money goes and how much I have room to spend on every line item. It honestly motivated me to get a second job. Scratch and claw to find other means of income. Now gotta tackle our biggest debt. The mortgage 😊

[@caramelcheezit6978]

This motivated me to start my side jobs and start earning! I was putting it off alot. Really enjoyed the simplicity of it

[@budgetfoursuccess]

I love your idea of underestimating your paychecks, that's a great way to maintain a positive attitude toward budgeting your finances! 🥰💙

[@annabell1928]

I'm beginning to learn how to budget and videos like this REALLY help, I've had next to no experience in budgeting and paying bills, so thank you for posting this video and being so thorough!

[@laminage]

I now get paid Bi Weekly so I have to be more careful but I budget religiously every Saturday. I use an excel Spreadsheet so I know exactly where the Money is going. I am a Canadian and at the end of the Month, I have to buy a New Bus Pass to get to work, then I pay my Bank Service Charges, then I have to pay Car Insurance. I live at home with My Mother and my Father is dead, so I help her out alot. It can be challenging but I have alot of Self Control. I've given up CD's, DVD's, Magazines but my weakness is Dollar Type Stores. When I download books to my Amazon Kindle Tablet I try to get books about Finance and Budgeting. You're a very smart lady.

[@bmoneyy]

Im watchin nothing but budgeting videos because I’m starting new job after not working in so long, makin the most money I ever have and I want to finally be financially stable secure and independent.

[@KathDpl]

I am trying to get my shit together for 2023 and found you! This is really helpful

[@monetizedinvestments1086]

Another inspirational and insightful video yet again Carter! This is just one of those things that doesn’t usually get taught. We go through years and years of blowing money and accumulating debt and living paycheck to paycheck until enough is enough. This video was really helpful

[@sethwilson6321]

Your routine is awesome! And it was actually therapeutic to watch! Thank you for sharing

[@CarterSullivan]

Thanks for watching!!

[@moneymayi7295]

There is a whole budgeting community on YT. Loved your video :)

[@CarterSullivan]

Yes and I love it! I don't consider myself a budgetting KZbinr I just enjoy sprinkling in some of the financial content if that makes sense!!

[@moneymayi7295]

@@CarterSullivan For sure and I am here for it!!

[@goretoriumgaming8600]

I feel like my plan is similar to yours except I use physical pen and paper to create my biweekly budget, everything right down to how I use a credit card. Right on.

[@CarterSullivan]

Whatever works for you!! Paper vs digital whatEver helps you succeed I support🙌🏻💸

[@mann7298]

argghh, ive had good amount of money from having 2 gap years before going to university and im almost done with uni now and still have no idea what to do with my money. student loan is so cheap in my country that its really recommended by economics professors to take it and just do something with it, some buy cars or put the money to a apartment savings account etc. my money has just been sitting on my bank account. really trying to have a goal for this year to start budgeting and investing and do whatever else with my money, compared to past. thank you for this video!

[@alanamackay4312]

I have been watching videos like this one, so that I can be financially secure and not feel stressed. Although I know I’ll have a long way to go, the way I budget now isn’t doing me any good and I’d like to just be able to feel good when things are getting a little hectic. The issue is that I really crave that spike of dopamine when I go shopping even though I’ll regret it later. I’m not one for new year resolutions. I wanna tackle my problems with money right now. While I have the strive too.

[@astridrojass]

you talk about everything so clearly and you are so transparant! you're doing amazing!!

[@CarterSullivan]

Aw thanks!

[@creatingbalancefinance]

This video was suggested to me and it’s brilliant! I really enjoy budgeting like you do too! Thank you so much for sharing 😊

[@CarterSullivan]

Thank you for watching!

[@AshleyEjanda]

I’m almost 30 and was literally born into the worst financially practices with my family, I’m tired of it, I’m more than capable to be financially free and comfortable, the change is within myself !!!!

[@heavenlydreams9113]

I'm about to go off to college and have been trying to find some ideas on what my budget layout should be and I really love this!! I think It'll be awesome for managing loans and my car payments and everything!!

[@focus_rio]

It’s my first time to watch budget topic video this much openly on KZbin!!!!!! Carter, thank you for sharing. p.s. I purchased new planner from Canadian company today. So excited trying this on paper after i receive🥰

[@CarterSullivan]

I'm so glad you enjoyed!

[@johnsonrojo3]

Thabk you so much Carter! I'm 25 now and all of a sudden realize that I really need to start budgeting. I am really excited to do this. Thank you so much!!! ❤

[@fittiff7815]

I love this and love how transparent you are! I relate to this technique so much!

[@CarterSullivan]

So glad!

[@alexandrahoward6979]

Thank you for making this video! I have been struggling with budgeting and I’m trying to really be hard on myself about it because I’m tired of being late on payments

[@CarterSullivan]

You got this!

[@earnonmyterms66]

A simple way to make sure you don’t miss a payment; pay all your monthly bills on the last payday of the month. Then accrue for them throughout the following month. Yes, it takes some doing to be able to do every bill in this manner but just take one at a time and pay it early. Hope that made sense

[@BronwynAlexandriaa]

my budget is as follows: direct deposit my savings every week, direct deposit my 401k and ROTH every week. use the remaining money for bills, and living expenses, and have fun. I just automatically deposit my savings every week, that way i don't need to budget. work smarter not harder.

[@TC9513]

Well I didn't go as far into detail as you did for your budget but I really appreciate your organization skills. I decided to go ahead and use a bit of your techniques to add on to my existing system I already had for myself and I'm excited to see how it works out.

[@CarterSullivan]

Glad it was helpful!

[@shanicem.3535]

I haven’t even finished the video and I already subscribed because you are so freaking relatable!! I rarely find budgeting videos of people who work a 9-5 but make less than 6 figures. I have a side hustle as well and plan to get into KZbin as well.

[@shanicem.3535]

I took a big pay cut as well and just like you, am WAY more happy mentally and emotionally so good for you!

[@CarterSullivan]

Omg you are so kind wow thank you so much for subscribing!!

[@erikaroldan4889]

love seeing another canadian budgeter!!! subbed 💛💛

[@jcabslovesu2]

Thanks for sharing this! I too love pay day! I have a budget that I set up for the whole year. Yes each bi weekly can change but what’s great is I try to set aside certain amount for when something comes up (example registration renewal ) so I don’t need to take out from my savings. I also budget how much I can spend each day without going above the budget! It’s been awesome and I’ve been able to save so much!

[@chanellegoulet6165]

Hey Carter! I am so thankful the KZbin Algorithm added your channel to my home page - I am also a 20 something living in Ottawa and we have so much in common! I thought I was the only one who was really into personal finance! Thanks for sharing these types of videos! Super awesome to have watch a local KZbinr! I have budgetting for the month but realizing I function in two week intervals due to my pay period as well - never thought to budget biweekly! Going to start this!

[@aprilczareen5706]

Appreciate you sharing the questions you ask yourself while budgetting. Asking those prompts really work for me while I do the work itself. It is a very effective and mindful approach. Thank you!

[@CarterSullivan]

Yes I found the prompts really helpful and transformative when budgetting🙌🏻 Super important to self reflect with finances!

[@JakeCr]

Good video. KZbin recommended. I agree with you that I don’t like having a lot of money in my checking account because I will usually end up spending it. Thank you for the tips!!

[@rubimdz5904]

Love that this video is not all voiceover. I was on budgeting but lost interest n motivation but I’m jumping back In . New sub 👍🏻

[@CarterSullivan]

❤️❤️

[@saudibeaut]

I thoroughly enjoyed this walk-through, looking for ways to elevate my financial and budgeting routine every month. Thank you!

[@CarterSullivan]

You are so welcome!

[@wakeupstylellc]

I loved your video and the way you go back and analyze your budget. I might start doing a spreadsheet as well as the every dollar app.

[@brroookkeee]

There’s lots of budget videos on KZbin! I always look for more to watch since I love them

[@CarterSullivan]

❤️💸

[@davidfence6939]

It's awesome you are now 25 and still doing this! You're still so young! You can live debt-free, own your own car and home, etc. Great spreadsheet! Been doing mine on Google Sheets and this looks much better.

[@CarterSullivan]

Thank you so much!!

[@dommiekamelah]

I appreciate this video so much! I have been wanting to be more disciplined with my money and this is definitely helpful. Thank you!

[@CarterSullivan]

You're so welcome!!

[@fabienneedouard928]

Really appreciating the transparency in this informative video

[@natashaz12]

Thank you so much for your advice and spreadsheet. I've been working on mine since xmas and was getting a little discouraged because working with excel can be hard for a beginner. I'm using your spreadsheet going forward and you've gained a new supporter thank you again! many blessings xo

[@DeeDeebing]

This video is greatly appreciated. It's helpful and reminds me to stay organized and take responsibility for my expenses. Thank you.

[@tdoesto]

Thank you so much for this. I’m clueless when it comes to this, and I want to get better. Thank you!

[@punit213]

Thank you so much for this! Do you have a updated budget spreadsheet as the one linked isn’t active. Thank you!

[@fabmontreal25]

Budgets are the key to financial freedom

[@CarterSullivan]

YUP🙌🏻

[@samanthabirling]

I'm looking for the spreadsheet, but I'm struggling to find the link! Thank you for the video. This information can be overwhelming, but I appreciate your approach.

[@kekotomas27]

Can you update the spreadsheet please? Lovely and great video, very helpful!!

[@naturallycharity9929]

Hi. Enjoyed your video. I use a budget system. I do a monthly budget and review it weekly before I get paid weekly on Fridays. It's helpful for me to do a budget to track what's coming in and what's going out so I know what I can save and what's for spending 💫

[@marlenecana2020]

Hi, thank you sooo much for making this video. Gives me new ideas and tips to better manage my finances and that’s something that I’ve been struggling for some time now, after watching your video it’s helped me gain some celerity and see myself using some of your strategies but also take a step back to breath.

[@TierraJanayChannel]

Thank you so much! You simplified something that always seems so complex. I appreciate you taking the time to make this video.

[@CarterSullivan]

🥰🥰🥰

[@MrRKWRIGHT]

Hello Carter. Excellent video. Your organizational and budgeting skills are outstanding.

[@CarterSullivan]

Thanks so much!

[@MisaelEcheverria-xu8hq]

With all respect... you're freaking heck smart! That's amazing!

[@KarenHRiceScott]

Great video. Paycheck budgeting works really well for me; I really liked the idea of including events/holidays as a part of your review.

[@CarterSullivan]

Yes it's a great way to reflect & make sure you don't have to spend alot of spontaneous money!

[@Artoflivingstylish.]

I started my own business and now Im planning on in a role especially with my finances and budgeting my life.

[@pinkpetals6413]

Hey new subscriber here. Subscribed because of your honesty in showing us the YT income. Not like others where they put up 30 minutes blabber without even telling the incomes 🙏🏻

[@victoriawhitaker9364]

Thank you for this video! I have been working on personal finance for a few years now. My husband and I were not on the same page and had bad habits. We would overdraw and had no idea about our finances overall. Now I know ways to budget (50/20/30, zero-based, etc) but it is the actual expense tracking that I am struggling with (to match up to the budget I choose). With your personal shopping credit card, do you use that everydollar app to track the balance or anything? How do you keep tabs on how much you are spending during the pay period so that you aren't going buck wild lol? We have several accounts like you mentioned, and I struggle with keeping track of all of the purchases/payments and balances. I know you can't show your personal accounts, but any advice would help!!!

[@CarterSullivan]

Hi Victoria- great question! So every time I make a purchase on my credit card I log it into EveryDollar and see my progress/spending.Then I pay off my credit card every 2 weeks right before payday. If it's something specific (ie. a large purchase like my iPad/iPhone or Christmas presents) I have a short-term savings account so that when I buy a larger purchase I have already planned for it and can pay it off immediately!

[@victoriawhitaker9364]

@@CarterSullivan Thank you for replying, Carter! I will look into the EveryDollar app! You have really great content (I watched a few videos this morning) and I'm excited that I found your channel! Have a great day :)

[@CarterSullivan]

@@victoriawhitaker9364 this made my day! I hope you stick around and subscribe!❤️

[@victoriawhitaker9364]

@@CarterSullivan Oh I definitely made sure to subscribe-I don't want to forget where to find the gold content!!

[@arianabutler]

This needs to be a trend J don’t really have any bills but I do want to have 5k saved by the end of this semester. I have no money management skills and I need to grow.

[@CarterSullivan]

You got this!!

[@nathalia0613]

Can you share that spreadsheet? looks amazing, I loved the content of this vid, It fits with the actual reality for the majority of people. Good advices. Thanks Carter. Best.

[@CarterSullivan]

Hi there! Is videos a few years old now and I accidentally deleted the spreadsheet last year and haven't been able to recover it! Feel free to replicate it or you can check out my newer budget videos and see the new spreadsheet that I'm using!

[@lavelleprice3793]

Can I just say. I LOVE they way your sheet is set up!!!!!.... I've been struggling with ADHD adnd I just couldn't structure mines properly.

[@mickalaloeffelbein4935]

Very nice! I love budgeting and it’s fun to see how other people do it... mine is different because I get paid twice a month so the amount each time varies. It’s so important to use the minimum expected paycheck to create your budget!

[@CarterSullivan]

I totally agree!

[@ScottsBranch]

Great advice but one thing I would suggest is don’t connect your bank account to an app if you haven’t taken the time to read the terms of that company like Mint. My current salary monthly after taxes is $13,456 (I avoid doing any overtime) but still have bad habits ( subscriptions, buying collectibles, paying on family bills outside my home, and giving cash to random casinos.

[@CarterSullivan]

I personally don't connect my bank accounts to any sort of bank platform! I prefer to in put everything manually

[@republicunited2183]

I use the Dave Ramsey app, Every Dollar, it’s great. I used to keep a spreadsheet, but no more. I do jot down numbers in my planner.

[@margaret6652]

Thank you so much for this informative video. This is the first time i've actually been able to understand and implement budget strategies tht work for me.

[@samanthasurigao9572]

This video really helped me. Thanks so much for sharing! Also really appreciate your transparency.

[@EinfachxAnna]

Payday routine is so nice its makes fun and i love to wait for that day

[@kyletotzke7162]

I love this, thank you for the helpful tips! Do you still have the excel spreadsheet link?

[@robinannortega]

Hi Carter, thank you so much for the spreadsheet & video! Very helpful and I am excited to use the spreadsheet!

[@CarterSullivan]

♥️♥️

[@1213LB]

There are so many good ideas in this video. I like the idea of totaling the bills and having them come from another account!! I couldn't access the link but I will make my own based on how you did yours. Love this :)

[@Asma-og4tx]

This is actually good I save a certain amount but I don't budget much if that makes sense need to look into doing this soon😁

[@CarterSullivan]

That totally makes sense!! New year is a great chance to start fresh!

[@elijahramirez3900]

Hey! Great video. Can you please try to put in a new link when you can for your excel spread sheet? The link doesn't work anymore. Thank you!

[@brookegrasso2173]

Needed this! I’m moving into my apartment next month and I’m just being so crazy about bills so this definitely helped!! Haha

[@AnonymousAccount514]

Canadians are the best KZbinrs

[@desireesanchez8908]

THANK YOU FOR THIS VIDEO! Lately I’ve been getting more into budgeting and managing my finances and this just helped me handle them so much better! This video rocked, thank you for sharing!🔥🔥🔥

[@CarterSullivan]

Aw thank you so much for commenting, it makes my day!!!

[@thatgirl5630]

I need this bc as soon as a paycheck hits I go so feral and I don’t want to do that anymore fr. So hopefully starting to budget now at 21 will help when I’m older

[@akilahffriend]

I am always looking for new ways to save and budget! Thanks for the insight!!!

[@CarterSullivan]

You are so welcome!

[@stephaniegray6712]

Less than 5 minutes into this video and already subscribed :) I also use a mix of everydollar and google sheets to budget.

[@CarterSullivan]

TWINS!!

[@SamBebz]

This is a great video. This is exactly how I do my budgeting. Love it!

[@CarterSullivan]

So glad!

[@tmatti79]

Thank you for the great video. I will definitely check out your budget spreadsheet.

[@els9453]

Thank you so much for this video! Part of my goal for this year is to really sit down and create a budget sheet but I always found them so intimidating so I'm really glad I came across your video. Quick question--How many checking and savings accounts do you have and how do you set it up?

[@CarterSullivan]

The number of accounts is very much a personal decision & also depends on your bank. I have 2 chequings- one personal and one business. Then I also have a TFSA which is not attached to my bank and that gets $50/weekly. I also have 4 savings accounts within my bank- emergency fund, taxes for work, short term savings & vacation fund!

[@JohanaPage]

Loved this vid, thank you ☺ is there a way we can access your spreadsheet?