HOW TO BUDGET YOUR MONEY AS A MUM 2025: My Exact Budget & Financial Goals UK

[@daniellebradshaw4]

Could you do a video at the end of the month with budgeted vs expected and how you true up if things don’t do exactly as planned or where you reallocate money if you are under budget.

[@HomeWithShan]

This is a great idea! Maybe at the beginning of February’s budget, I’ll do a January review xxxx

[@katie8578]

Great video, love the honesty and hearing you talk about both the goals you achieved and the ones you didn't! Would be really interested in a video at the end of the month or middle of the year assessing how well you've been able to stick to your budget x

[@TheXdarkfairy]

Thanks Shan! Love you being so transparent about your finances! Looking forward to sitting down and sorting my own 2025 budget ❤

[@adakuonovo]

Love your budgeting videos, and you inspired me to start putting money into pots on Monzo and I am loving it so far. Happy new year to you.

[@HomeWithShan]

Happy new year!!! ♥️🥰

[@shester4478]

You are so inspiring! I've used all your budgeting tips and we are now able to buy our dream home. Thank you!

[@HomeWithShan]

🥹🥹🥹 this is AMAZING!!!

[@chaznay1983]

Such a refreshing and inspiring video as always! I’m going to use your spreadsheet this week to plan my 2025 budget. Well done on the savings pots! I’ve opened a Monzo account so I just need to start using it now. Love your videos.

[@HomeWithShan]

Thank you so much - I’m glad you enjoyed it - I hope the spreadsheet helps 🤞🏼💸

[@GemmaP22]

Absolute love your budget videos and your honesty Shan! its nice to see many of us our in the same boat :) Definitely giving me motivation to save more. I love the monzo app, so i will look into this. Me and my husband have recently reviewed all our finances but it would be good to put money into virtual pots etc Good luck with Japan 2030! I'm trying to save for Canada 2026 but that's only next year eek. i fear it may be pushed back to 2027 though for when our mortgage hopefully comes down in December fingers crossed but we will see! xx

[@MarLilja]

Love the video shan. You're so organised 😊 im gonna start budgeting better this year

[@suzannepovey5348]

Child benefit is 170.20, also childcare Halle will qualify for 30hrs come September which will help with nursery costs if you were to go back to work. Love your videos.

[@HomeWithShan]

Thank you lovely ♥️♥️♥️

[@lauralicerobinson]

Thank you for this! So helpful and I love how realistic and positive you are about finances ❤

[@AllThingsMumPodcast]

Great video!! You’re so organised xx

[@chloegould1482]

Thank you Shan you super star! Quick question - please could you put your baby checklist / budget sheet back on your shop?

[@TamaraHarrison-v1f]

great video. I'm doing the no spend January challenge again this year. Hopefully also into Feb! I reduce the cost of days out for kids by asking for vouchers for local activities so using them throughout jan/feb and the free vue tickets each month with sky too! feeling good about this year! xxx

[@TamaraHarrison-v1f]

also just a side note could u take some money out of the take aways and class that as a date night at all ? Defo make time for it just as a mum of 4 ive made that mistake in the past . i know its easier said than done xxx

[@TheMeadkelly]

Love these videos.. Inspiring me to pull my finger out and get on top of my finances this year. Would love to know how you managed to renovate your bathroom for 1500, even with your partners labour.. That's really impressive!

[@biancaboshoff]

Hi Shan, what about saving for retirement and investing?

[@BlessedPetrel]

Very detailed and transparent budget. I was just wondering if you save for Emergency Fund, savings, and investing via ISA?

[@staceystephens3891]

I absolutely love that hair color

[@zoyarana-rafiq9481]

Been checking everyday to see if youd posted. Got so excited to see youd posted today hope u had a lovely xmas & new year. So much love for you ❤

[@SianEmilyy98]

Double check your child benefit! As mine went up in April last year from £160 to £170.20 (for 2 children)

[@HomeWithShan]

Oooh thank you! You’re right it did go up!! 👏🏼

[@thowland89]

This is very organised and impressive. Can I ask your plans for a pension? Or retirement planning? I didn’t see any mention of that on the spreadsheet. Or do you have something through your business?

[@moniquestuddart3945]

What age did George start swimming lessons?

[@carlarue87]

Didnt you use hyperjar before? Do you mind me asking why you switched. Just interested as I now have hyperjar but if Monzo is better I would move 😊

[@HomeWithShan]

I did! I loved Hyperjar so much, and I use Monzo in exactly the same way. The only reason I switched is because Monzo offers interest on savings pots!

[@wilsonblack2023]

Do you choose what u spend from? IE if you are eating out, do I have to set your Monzo to spend from that pot? Great vid as always

[@HomeWithShan]

@@wilsonblack2023 exactly, I usually just transfer the money into my main Monzo account from the pot I’ve decided to spend from!

[@Hel-vm9vz]

Looks great but do you not pay into a pension?

[@HomeWithShan]

I do, however I do this through the business into a private pension 🥰

[@janenorville6365]

Im not understanding that if you are married and share kids why your finances are not totally combined

[@vanessaellis4153]

Can you use your spreadsheet on an iPad?

[@chloegould1482]

@@vanessaellis4153 yes! Download google sheets

[@HomeWithShan]

You can! I use mine in my phone and laptop. You can use it on excel or google docs xxxx

[@bredapochin9712]

Hi Shan I know it’s been asked above I have iPhone 15 so can I download to there with out laptop as mine out of action at min love your videos on budgeting

[@ZimnaSophie]

Im curious to know if you really spend £200 on groceries for 2+2 family ? Thats £50 weekly ?

[@jaynep367]

Your internet is really cheap, who’s it with please

[@ZimnaSophie]

This is good question ! My Internet with virgin is £40 !