HOW I MANAGE MY MONEY 💰 payday routine, bank accounts + sharing finances

Today I wanted to sit down and talk all about how we (or I lol) manage our money. From what we do on payday, all our different bank accounts and also how we share our finances. If you guys have any questions about anything or want to see any other more indepth videos let me know! BIG LOVE 🥰 (also pls excuse the fluffy hair 😭 this is why I don't film right after washing it)
check me out here:
▸ INSTAGRAM: / smileycitrus
▸ TWITTER: / smileycitrus
For all business enquiries email at: [e-mail]
SAVINGS SPREADSHEET is from Carter's budget template! Check out her channel here: / @cartersullivan
- Ella xx

[@em47637]

I love how open you are about finances!

[@smileycitrus]

thank you! I hope it's helpful ☺️

[@SM-ph8ox]

PLEASE have a separate savings account each! You never know what could happen and you don't want to either end up in a difficult situation. You should each have access to a few month's living expenses if possible

[@adamellie6097]

We love this content! I find it so interesting how other people combine finances / or don’t. I think you guys deffo done the right thing to combine when you got engaged. We did it a few months before we got married and we wished we had done it sooner as it made life so much easier and I feel like it would of been easier when we were planning the wedding instead of constantly having to ask for his half towards 😂

[@smileycitrus]

thank you! 🥰 it's such a personal choice for every couple but I honestly could not be bothered asking for half every time we booked a vendor 😂 too many!!

[@adamellie6097]

@@smileycitrus oh I totally get that! It was such a pain😂

[@heyyitssj]

Super interesting about combining as soon as you got engaged. My boyfriend and I are actually having this conversation right now. He wants to go ahead and combine once he pops the questions

[@emilyh1886]

Love these videos Ella, so nice watching someone in Aus also in their mid twenties talking about finances/ savings 😊

[@smileycitrus]

thank you Emily! so glad you find it relatable ☺️

[@sheriberrix]

Love this, Ella! Thanks for the transparency. I've been really getting into finance and budgeting and home loans now that I realised I should start saving now so I can buy a house in like 4 years time XD Totally agree, we are very lucky in SA with lower cost of living. House prices still cray though but at least its not like Sydney ...

[@smileycitrus]

thanks Sheri 🥰 we are super lucky here! still a huge accomplishment but not quite as impossible to reach as Sydney 🥲😅

[@kirstyvirgo]

I loovveee money chats! Intrigued to see what you will do when you get a mortgage and if you use and offset! Love your work as alwaaays xxx

[@smileycitrus]

yes! I can't wait to delve into all that xx

[@stephaniebrewster3109]

Came in time! Was binge watching you monthly finance videos to help organise my own!

[@smileycitrus]

I love this 🥰 hope this month is a good one for you!

[@xoxofearlessgirl8892]

I'm so happy you started making finance videos as it's really inspired me to start budgeting and being more smart with my money

[@smileycitrus]

this makes my heart so happy 🥺 so glad you are finding them helpful 🤍

[@abbyrose8978]

I love how realistic these are. Not a crazy unachievable amount like some people make. A lot more relatable for me Xx

[@smileycitrus]

Ahh i'm so glad you can relate 🥰🤍

[@shanaliseramsey1931]

I love this! And there is nothing wrong with Sharing finances. :) My husband and I staring doing that when we were engaged. I guess certain circumstances could make it different, but we totally trust each other. Idk why it's weird to share money with your spouse to people, it should be normal!!🙂

[@MeOnionz]

I agree! My partner and I (not married but living together for basically the whole relationship lol) started a joint account 3 months in to our relationship because we just felt it made sense.. we've been together for 6 years now.. still with a joint account... we both have access to all the money/accounts.. no problems for us and it's been great :) If it works for you then do you :)

[@taylorpaigee]

I am so glad I found your channel! I am trying to convert my content over to this type of productivity and lifestyle and your channel is such a huge inspo for me!

[@Ali_lamb]

Literally loved this and love the way you film and edited this video!

[@smileycitrus]

thanks girly! it was so much fun

[@hineawe]

Enjoyed this so much! Thanks for being so open 😊

[@smileycitrus]

aw, thank you! so glad you enjoyed x

[@lovesockshollowell6059]

I love that yall share accounts I have shared account with my boyfriend of 5 years we live together but when my family found out we have a shared account they freaked out

[@BloopleNoople]

Curious to understand what happens if you guys have separate money goals? For example what if you wanted to a Dyson air wrap lol. How do you go about talking about this and where does it go? 🙂

[@smileycitrus]

that's a great question! We both aren't huge spenders so are values and habits kind of naturally align. We're also very much of the mindset of "what's mine is yours." Any bigger purchases we touch base with each other about but otherwise go with the flow. A great alternative is to have seperate accounts for short term savings goals so you can both spend freely without consulting the other

[@brookeharland8577]

Excited to watch this!

[@gabbysteed9562]

this was really great! thanks ella! :) xx

[@smileycitrus]

so glad it was helpful! 🥰

[@TaylahLouiseBudgets]

Love the set up of this video! Thank you for sharing 😇

[@smileycitrus]

thanks Taylah! 🥰

[@tmh131]

Thank you for sharing and being so open

[@smileycitrus]

thank you 🥺🥰

[@leopardprintlover24]

Hey Ella, love this video, just wondering though how come you don’t set up transfers from your main bank account so you don’t have to do it manually each payday? 😆

[@TheJeffDGorman]

what is a fort night?

[@jornayrooks3724]

Literally came here to see if I could get an answer cuz all I can think about is the game 😩

[@JeniBlogs]

A fortnight is 2 weeks. I think Americans say bi-weekly.

[@cuponesyofertas6319]

Lol I had the same question glad someone answered

[@shannonstone7517]

What can use for a long term savings goal that I can collect interest that isn’t a CD or MM, those have really terrible percentages right now but I also don’t want to put it into my Roth, then not be able to use it when I need it. Thinking long term like house

[@operativealyssa]

Happy that I found your channel! I always love watching people sharing their finance and how they budget. I get inspo from that in how I handle my finances too. Will be binge watching your finance related videos. 🤍

[@smileycitrus]

welcome! i'm so glad you enjoyed 🥰

[@philiprachtman1217]

One other account you need to have is a share investing account when I was your age My wife and I already had BHP and ANZ shares. Now that i am almost ready to retire I have 15 years of income before I start using my super. The shares over the years help buy 2 cars and our 2nd house also

[@smileycitrus]

that's a great idea! we have also started investing ☺️

[@MiamiGoldeOfficial]

took forever to get to the point. I am at the 5:32 minute mark and you still haven't started sharing any gems.

[@smileycitrus]

sorry this video wasn't for you 😊

[@bernadetteelliott8040]

Nope that slurp just lost me

[@smileycitrus]

bahahaha sorry Bernadette