i went from broke and anxious to financially abundant... here’s how *life-changing*

[@BrianaBudgets]

I think I’m less anxious about the money itself but more anxious about the fact that I feel “behind” in the money department. My salary and the things that I own are very much less than other people my age and it brings me a lot of stress when I think about it but when it comes down to it, I have everything I need and a lot of what I want.

[@victoriaschultz1508]

I totally agree with everything you said, especially about marrying a rich man... I've had so so many people in my life tell me if I want the life I say I do I need to "marry rich" I hate this so much and I think it's crazy how many people still believe in this toxic ideology

[@ZoePritchard]

same same same!! like lets worry about ourseelves and find a person we truly love?! 💖

[@KittyKat-vb1nd]

It's laziness and wanting something for nothing. The same ones who think winning the lottery is the answer.

[@Bob-xe4dn]

Victoria Schultz you're crazy

[@Bob-xe4dn]

​​​​@@ZoePritchard You know what's so sick about you and why you are so mentally ill? People on here listen to you spewing your crap but the fact of the matter is that you are just merely repeating what your therapist tells you about yourself and yet you deliver it to all these people that watch your KZbin channel as if you are some sort of a psychological Guru when in fact you are trying to be condescending to other people so as to make yourself feel and look good. By the way, life isn't about feelings and life isn't about shopping to feel good which is the main theme of your empty existence. Repeating what you hear from your therapist as if you are some sort of a therapist yourself only displays how crazy you are. Manipulating other people's thoughts and even your own thought is obscene!

[@Rcaneneophyte8906]

"Marry a rich man" lol that advice will ensure that you end up as a professional golddigger.

[@YourRav]

Omg I also had the same resentful mindset on gifts. I don’t like getting gifts it wasn’t a big deal to me but I know the people in my life enjoy gifts. I had to change it in my budget from “gifts” to “giving” because it feels less like an obligation lol. My mindset is changing daily when it comes to money.

[@ZoePritchard]

love it!! 💖💖💖💖

[@user-xg9pc5zg3j]

i'm abundant. i will figure things out. I have everything i can ever want and need. I am living my dream life. There's no need to worry. I felt this! So beautiful

[@ZoePritchard]

we got this 💖💖

[@ZoePritchard]

Hi everyone 💖 How do you feel about your current money mindset? What would you like to improve? 💸✨ ps… the click sounds are the pipes in my building 🙈 so sorry about it!

[@Billy33753]

I would like to improve living within my means

[@jasminkln]

I am also pretty anxious about money, even though I have enough saved up to not worry I feel the need to work as much as possible and often restrict myself of things I want and save the price instead. But it's getting better the more "security money" I save and invest

[@ZoePritchard]

so glad its getting better! its so hard to let go of the anxiety… even when we think a certain $ amount will fix it, its often deeper than that 🙈

[@jasminkln]

@@ZoePritchard so true! But I'm glad you're getting better at managing those thoughts 😊

[@EmmA-ln9he]

Oh yeah! I switched to cash envelopes a few years ago, 5 envelopes, 100€ each, labeled week 1 through 5, then each week I'd put 80€ in one compartment of my wallet for groceries including hygiene/self-care products (I don't wear makeup or do my nails/hair, just a haircut every 6 months), and 20 € in another compartment for my weekly outing to the pub where I eat with friends. At the end of each week, I put any bill left in an envelope labeled "spare" and the coins in a jar. Those coins pay for my laundry. And those spare bills are what I won't need to withdraw the following month (if the spare envelope has 50€ in it at the end of the month, I will only withdraw 450€ and put 50 extra € in savings). For extra spendings, I have a "minimum reserve" system in my savings that grows every month. So for example if my minimum reserve is at 2000€ right now and I have 2200€, I could spend 200 on clothes, shoes or equipment (I'm planning to build a home gym, so I'm saving my extra reserve for that). I only allow myself to go below the minimum reserve for emergencies like if my car broke or one of my pets needs to be taken to the vet. I don't go on vacation using that money!! My dream is to go live in Peru one day and that's how I'm saving up for it. I've also set up a life insurance that I'm not allowed to use until that project is starting. So basically, I went from broke and my account most of the time below zero to saving 500€ a month (+ extra cash) ! Next savings source : the 300€ a month I spend on smoking 😬

[@poppycalliope]

I'm still a bit anxious about money but definitely feeling better. Knowing that what you currently have is enough is definitely important! Your examples of how to think positively about different situations were amazing and definitely made me want to think more positively too! Gratitude is a big one for me! I catch myself thinking how grateful I am for my apartment, the people in my life or other things that we would normally brush off and wouldn't think about. Beautiful video Zoe ❤

[@ZoePritchard]

thank you Poppy 💖💖 so glad to hear it is getting better, and loved reading what you are grateful for! xoxo

[@williamwarren9448]

Yes we know by experience that cash budgeting is EMPOWERING … just the opposite of limiting ! It’s so amazing telling your money where to go every day and getting out of debt ! Your winning Zoe ! 🎉glenda

[@ZoePritchard]

thank youu!! cash is king hehe 💖💖

[@molliemahaffey7469]

I’ve been watching budgeting videos for a week straight and I just wanted to take the time to let you know that this is an excellent video

[@ZoePritchard]

thank you!!!

[@efuucdgbjiddvhi]

Cash envelope system works as a single person or a couple. there will always be blurred lines when you have a family and that system will only go so far. I really agree with putting the thought into what you buy and how that makes you feel a lot better. I was so surprised when you said you don't like spending money on other people. I think this video is geared towards a very young crowd. Appreciate the growth you are working towards.

[@ZoePritchard]

Hi! Yes I'm definitely coming at this from my 26-year-old, unmarried, no kids perspective. We will see as I grow how things change! And I'm working on enjoying spending on others more, and not wanting share what you have is a very ugly feeling... 💖

[@emilyadler4153]

Super excited to watch this! I've had money anxiety most of my adult life, despite making a good salary and living within my means. I've also been getting into manifestation and this mindset shift feels so relevant rn!!

[@ZoePritchard]

Perfect timing!! I hope it helps 💖

[@Stephanie-ki5oz]

love the vulnerability and honesty as usual Zoe. Lots of thought provoking conversation and thoughts in this one!

[@ZoePritchard]

!! thank you Stephanie 💖💖

[@HM44773]

Zoe I’ve really loved finding your channel while I’m on this personal finance journey. Also love seeing snippets of Montreal from a Toronto girlie

[@ZoePritchard]

that’s amazing!! thank youu 💖💖

[@josiesfitness8385]

Your sweater reminds me of my childhood in mexico thank you❤ such a good video. You brought me memories from the older ladies would wear those sweaters love it.

[@ZoePritchard]

ah that's amazing!! 💖🍳

[@kellylee_p9076]

Wow this is one of your BEST videos yet.. you can tell you’ve put so much thought and planning into it. Very inspiring 👍🏻Xx

[@ZoePritchard]

🥺🥺🥺 thank youuu!!! this made me so happy 💖

[@carolinekouba-marquet695]

Thanks for this video 🔅 I personally work on the fact that I « overspent » compare to my budget and it annoys me even if I know I do have the money and I won’t be broke because of these expenses ! I once heard someone said « you don’t have continuous money problem ». Meaning that when I brush me teeth, I’m at work, with friends, reading, etc. money isn’t an issue or a topic to focus on, just live and have money réflexions when you are using it !

[@ZoePritchard]

It's so true!! It often feels like we need to think about money 24/7 but we really don't need to! Thank you for sharing 💖

[@popyNcorny]

This was the video I needed today, thank you Zoe!! It really is all about mindset.

[@ZoePritchard]

ah yay!! 💖💖

[@CharlotteOHara1]

One of your best videos, well done Zoe! xo

[@ZoePritchard]

ahh thank youu 💖💖

[@WithSandra]

ah I needed this! currently going through some transitional phases in my career so finances are literally constantly top of mind but not in a good way lol

[@ZoePritchard]

ouuu i feel you!! i hope everything goes well and i know you will come out on top 💖

[@aidalenga7130]

Yes! For a cash budgeting video

[@ZoePritchard]

will do!!!

[@rfishe]

I love your sweater ❤ just wanted to say you really have given me a lot of confidence to pursue KZbin. I’m about to graduate and hoping to shift my own mindset about money and guilt. Loved this video.

[@ZoePritchard]

that’s fantastic!! 💖💖💖

[@afelicia85]

Hey Zoe, Felicia here from South Africa... I love your videos they motivate and inspire me... I first started watching your videos last year when I started my own money/debt journey and was looking for videos and info on youtube to pay off my own debt... the first video I saw of yours you paid off your student loan and I've been following your since. i don't feel comfortable carrying around cash because it's not safe and I am forgettful but love the "spent on credit envelope" and I am going to try that out. Thank you so much!! xo

[@ZoePritchard]

Hi Felicia!! so glad we are on this money journey together 💖💕💸

[@thirteenwolfies]

The pretty cardigan suits you so well! Thank you for this video, I definitely struggle with having a good money mindset

[@ZoePritchard]

thank you!! 💖

[@rosamondhazell2149]

Hi Zoe, another wonderful video. I use cash envelopes for my variable expenses and remember how empowering it was to feel my money in my hands. If any money is left over in my envelopes at the end of the month I put it towards a sinking fund like vacation or car repairs, or my pet savings. Thank you for sharing your positive attitude ❤️

[@ZoePritchard]

Love it!! Thank you 💖

[@bobkovylistek]

Hi Zoe, I just want to say that your affirmations and mindset work must be working amazingly - you are such a lovely person! You definitely raise my vibes and make me want to give you a (big sister) hug 😊 Plus, you also confirm my impression that all Canadians are incredibly nice people 😉 Have a great day and take care!

[@ZoePritchard]

Ahh thank you so much!! 💖 I really do think they are working hehe thank you for such a sweet comment

[@juliekostas7322]

Fantastic video! Soooo very helpful. I'm so happy that you've made such strides in your financial journey---very inspirational!

[@ZoePritchard]

thank you Julie 💖💖💖💖

[@marieke-2736]

Such a valuable video! I mentioned it before, but you’ve helped me so much in terms id financial anxiety ❤

[@ZoePritchard]

This makes me so happy 💖

[@marynahoum]

On the topic of gifts/giving/being generous…I had the opposite problem! I had no problem spending on people but I always felt guilty and stressed about how much people are spending on me cause I never want people to think I expect it and don’t want it to cause stress in their life! I’m trying to work on approaching being more positive and grateful that someone wanted to do something nice for me! Haha

[@ZoePritchard]

like letting me pay for you bagels 👀💖

[@marynahoum]

@@ZoePritchard LOOL touché

[@jennacountouris8076]

Love this video! Do you have any tools/resources that you can recommend on HOW to change your mindset? I would love to hear about those and some of your habits that really solidified this mindset shift for you. 😊

[@ZoePritchard]

hii!! honestly it’s all about repetition for me… deciding to change the way im thinking/talking to myself and making that decision over and over again. I know that might sound kind of vague, but for me it seems to all come down to how I talk to myself. So changing the way I talk to myself from “im so broke i dont want to buy gas” to “im so grateful to have a car, im abundant and can fill my tank” over and over again. 💖

[@christineclarke9063]

Omg i love your cardigan where did you get it please ❤

[@siendocristina]

Great video Zoe! ❤🎉 It's great that you can think of money that way now. I love when you talk about the topics from your background and experiences 😊 PS: I was distracted by the clic (or porcelain sound) on the background, I guess it was the music or something but was driving me a little bit crazy because I was searching it in my room to stop it 😅 sorry, I guess I just have a sound sensitivity with those kind of sounds 😢

[@ZoePritchard]

thank youu 💖💖 and yes Im so sorry for that! its the pipes in my office they were going crazy… very old building 😭

[@siendocristina]

@@ZoePritchard oh, I'm sorry! I understand, hope it gets fixed or goes away alone 😂 have a nice evening Zoe ☺️

[@Jibril_Abdulkadir]

Great video Zoe 💙 finances shouldn’t be considered taboo not to talk about everyone once getting into adulthood has to deal with it

[@ZoePritchard]

agree!! thank you 💖

[@interpretrebekah]

Zoe I really resonate with everything you said in this video - i want to work on changing my mindset around money also especially around gifts. something really difficult for me personally is to pick up the tab whenever i'm out with friends even though my friends will always do that for me. do you have any tips to help change my mindset around that? xoxo

[@ZoePritchard]

I feel you on that!! I would say try challenging yourself to do it one time and see how it feels. Also, I think using positive self talk/affirmations like "I'm so lucky to have beautiful friends that I can treat" or "I am ambundant enough to share" 💖

[@mmccart1]

I wish everyone could watch this! 💕

[@ZoePritchard]

thank you angel 💖💖

[@siobhanod]

Excellent video Zoe x

[@ZoePritchard]

thank youu!! 💖

[@marielavielavigne]

I'm trying the cash method right now but with everything being online payments or things that you can only buy online i'm worried it will be complicated!

[@ZoePritchard]

i have a special envelope to put cash into when I buy online or go to a card-only shop :) works perfectly!

[@noelleursel7848]

This was such a well-done video, Zoe! My parents actually did cash budgeting for years after being in huge debt for my entire childhood. My mom said it was an integral part of them getting back on track and she thought it was fun too! I think I'm definetly going to try it soon and would love to see a video on how to get started. Love your content

[@ZoePritchard]

thank you!! & thank you for sharing, that is so cool!! 💖 come to think of it my mom did cash too… she would walk to the ATM every Saturday haha or maybe every 2nd saturday

[@wholeheartedlyangie]

I grew up poor and now I'm a single mom struggling to survive even poorer than when I grew up. I don't have enough experience to get a decent paying job. Working on trying to find a second job to help. But finding daycare is hard

[@ZoePritchard]

I wish you all the best Angela 💖💖 I'm sure your babies appreciate all you do for them! xoxo

[@kirsten4443]

Yes please make a video about using cash 😊

[@ZoePritchard]

will do!!

[@jasminkln]

Yey, a new video 😊🙏

[@ZoePritchard]

💖💖

[@debrafirestone861]

It’s easy to feel jealous of theee people I think or bet a lot of them make their money dishonestly

[@davidparnell4675]

Hi zoe

[@debrafirestone861]

There is feeling that it’s enough people who are so dirty rich it’s never going to be enough for them they are very spoiled They hsve no conception of what it’s like to earn anyrhibg

[@debrafirestone861]

Or they were given it or inherited it but act like they made that money themselves

[@debrafirestone861]

Because women need to getv10 thousands dollar purse

[@valeriegonzalez514]

Love your videos! You make talking about money sound so cool and fun 🥲❤

[@ZoePritchard]

hehe thank youuu!! it CAN be cool and fun 🤪✨

[@EmmA-ln9he]

Oh yeah! I switched to cash envelopes a few years ago, 5 envelopes, 100€ each, labeled week 1 through 5, then each week I'd put 80€ in one compartment of my wallet for groceries including hygiene/self-care products (I don't wear makeup or do my nails/hair, just a haircut every 6 months), and 20 € in another compartment for my weekly outing to the pub where I eat with friends. At the end of each week, I put any bill left in an envelope labeled "spare" and the coins in a jar. Those coins pay for my laundry. And those spare bills are what I won't need to withdraw the following month (if the spare envelope has 50€ in it at the end of the month, I will only withdraw 450€ and put 50 extra € in savings). For extra spendings, I have a "minimum reserve" system in my savings that grows every month. So for example if my minimum reserve is at 2000€ right now and I have 2200€, I could spend 200 on clothes, shoes or equipment (I'm planning to build a home gym, so I'm saving my extra reserve for that). I only allow myself to go below the minimum reserve for emergencies like if my car broke or one of my pets needs to be taken to the vet. I don't go on vacation using that money!! My dream is to go live in Peru one day and that's how I'm saving up for it. I've also set up a life insurance that I'm not allowed to use until that project is starting. So basically, I went from broke and my account most of the time below zero to saving 500€ a month (+ extra cash) ! Next savings source : the 300€ a month I spend on smoking 😬