JANUARY BUDGET WITH ME | new budget setup, financial reset + money goals 💰

[@_enya]

You made me take my budget seriously. I always enjoy and look forward to these videos each month. 🌟

[@smileycitrus]

that makes me so happy to hear 🥹🥰

[@chelseakate1]

Last year I spent a lot of time living life and having the best experiences but it took a lot out of my bank. This year I would love to hustle and start saving again in addition to putting my all into my studies!

[@jennalouise4161]

Love this, so inspired! Would love to see a video how to get started doing paid surveys!

[@smileycitrus]

thanks lovely! I can definitely go into more detail on that x

[@rhiannondunsby2904]

Hey Ella! I use this template also and when you input your expenses in the tracker all the totals add up and all your graphs will update automatically! It's so helpful and nice to look at all in one place. Hope that helps ☺

[@smileycitrus]

that's so helpful! thank you 🥰

[@kellysampson7850]

Love the template! Totally influenced and bought it. Thanks for sharing!

[@KonaxG]

same haha

[@smileycitrus]

yesss I hope you like it 😍

[@christinethompson3414]

Hi Ella, I have set up a BPAY transfer each month for our quarterly bills (rates, water & gas) so when the bill comes in it’s already paid - this works a treat!! I have started using Every Dollar and I have created an Excel spreadsheet to track our savings (similar to your previous system). I really enjoy your channel and good luck with the new job. Sending you New Year cheer from Brisbane.

[@danafoster7923]

You’re budget videos have helped me so much and now have WeMoney too! Thankyou!! Xx

[@smileycitrus]

this makes me so so happy 🥹 i'm so glad ❤️

[@tahlia4189]

Happy New Year, Ella! Praying that 2023 will be abundantly blessed X

[@taylorls9215]

We are building our home too! We built a pole barn on the property and are living in it while the home is being built..it can’t come soon enough 😂

[@smileycitrus]

omg 😂 hopefully it goes fast for you!

[@_ZB4]

Hello Ella - I’m with you Queen, ready to budget and bring in the $$ this year!

[@_ZB4]

Also you’re motivating me to have faith to take a leap in my more creative endeavors - so thank you! It might be fruitless in terms of income currently but you’ve given me a bit of a self esteem boost to believe in myself. I love your can-do attitude and confidence!

[@smileycitrus]

I love this 🥹 good luck with it all Zoe! you've got it 👏🏼

[@getwemoney]

We love your monthly budget videos! 🚀

[@smileycitrus]

you da best ❤️❤️

[@calh5082]

Hey Ella, what a small world. I also have this budget tracker and have been using it since August & I love it - I note you were a bit unsure that the totals at the top of the sheet didn't seem to be showing correct updated figures when you'd plugged in all your budgeted expenses & I can confirm, it does have a bit of a lag with updating totals. I think the lag is likely due to it being quite a big doc & also being Google sheets rather than Excel. I also find that if I update my 'budgeted' cells sometimes in throughout the month, it will take a bit for the 'actual' columns figure to show the updated info - I often just get on with my next task in the sheet and then you'll go back and it's sorted itself out - gosh, long message, but wanted to just pass that on.

[@smileycitrus]

that's really helpful! I'll give that a go. Thank you lovely 🤍

[@kawaiikoori882]

Could you do a student loans budget / discussion?

[@ashlingsmith2256]

Love seeing how people budget! Great systems and breakdowns. I also have a goal of reading 30 books, i have been using the local library which is awesome cause its free! You can also download books.

[@smileycitrus]

Thank you! I'm definitely going to look at my local library too this year to save some $$ 🥰

[@alwaysemilia]

Ooo that template is nice!! I feel the same way about Christmas saving. I built my annual budget with Christmas savings starting in September. It’s not the same every month, but I’ll just shift a little of the extra student loan payments I’m making toward the beginning of the year. Maybe that will work for you, too!

[@smileycitrus]

That's a good idea! I might try that this year x

[@sheriberrix]

The new spreadsheet looks epic, definitely taking budgeting to the next level. Appreciate the emojis, Haha! What's the difference between the rainy day and emergency fund?

[@smileycitrus]

Thanks gal! i'm obsessed 😍 Emergency fund is for any unexpected costs like job loss, car problems etc. whereas our rainy day fund is going to act as a "buffer" for any months that are slower with my social media income so I can cover our expenses if needed. Just a fund I want to have set up now some of my income is variable 🥰

[@mikaeladuncan]

Really wanna know where you got that mug? That is adorable. 😊

[@smileycitrus]

It's from Target 🥰

[@mikaeladuncan]

@@smileycitrus thank you, might have to grab one.

[@rvassallo1671]

Hi Ella, I just bought the budget template from etsy that you have used here. When setting it up in the start, what currency button did you press because I cant see AUD?

[@smileycitrus]

oooh exciting!! I just did USD as it's the $ sign

[@DonnasWonderland]

hey, lovely I love this budget with me 😍 just thought I should mention it looks like you didn't allocate all your left overs after expenses, if you look at the budget column on your overview you've over 6k left. It shows as -5k in the last column because you already inputted the rollover in your actual so that money hasn't been allocated. Good luck with the new job xx

[@smileycitrus]

You're so right! Thank you!! definitely a learning experience 🥰

[@DonnasWonderland]

@@smileycitrus you're welcome hun nice to know there's a little more in the budget than less that's for sure ;). I'm a bit of a fan of google sheets and excel not to say I'm great a formula because I'm not but they are fun to play around with :)

[@isabellagiffardphotography]

we rent in the NT and we dont pay for the water, our landlord does. i definitely don't budget like you but i do put $400 away each month into a savings account no matter what i earn. i have a very variable income as i work casually in retail and i do photography.

[@smileycitrus]

$400 a month in savings is amazing! whatever system works for you ☺️

[@WalkingandTalkingAussieGirl]

ah I need to budget!!

[@smileycitrus]

it's the BEST tool when you have a system that works for you 🥰

[@notfunnymaddie]

I looove WeMoney but I feel like every time I go to use it- it needs updating and just keeps buffering 😅

[@jaynebudgets]

Could you do an actually video more explaining how you use the money between your accounts? For example, if you were out at dinner do you just transfer the money into your card account etc. and how do you manage things like hair, nails etc does that come out of your spending money account? 😊

[@smileycitrus]

Hi! I have a video on my Payday routine from a few months ago ☺️ I went more in-depth on that in that video

[@itsjayyie]

How many cards or accounts do you have money coming out of to track? I always found it hard to do these budgets as between us we have like 8 accounts including credit cards, Qantas bonus point cards, cards we need to use 5 times a month to get interest in savings etc.

[@smileycitrus]

We don't have any credit cards and we just use one debit card which is linked to the one account. Then we have another 3 savings/bills accounts so it's pretty easy to track for us!

[@FrugalFunMum]

Our electricity and gas are monthly bills now we are with AGL also here in SA

[@smileycitrus]

ooooh maybe i'll have to see if the company we're with offer monthly!

[@samanthaspace]

Random but I thought the mug in the back was some teeth and now I can’t unsee it 💀 this tracker looks amazing

[@smileycitrus]

hahahaha 😂 it's actually a candle! I can't not see it now either, thank u

[@PlantsandPaints]

Where can I get this template? Where is it from?

[@smileycitrus]

It's from Etsy- linked in the description box 🥰

[@PlantsandPaints]

@@smileycitrus Oh, thank You. I couldn't see the description box on an android device , I'll check it out on my pc.

[@BudgetwithVee]

Hi Ella!! I’ve been watching you for years and have always wanted to also make videos. I’ve just started my channel about budgeting :) I hope to make as great videos as you one day

[@julia15d]

Hey Ella, I may be wrong but I think you're using the wrong number to see how much you have left to add to savings

[@smileycitrus]

yes, you're so right!! I was reading the wrong column 😂

[@PlanswithEmily]

Oh man I really like the idea of this app but I’m in the US so i can’t get it 😔

[@smileycitrus]

damn 😩 hopefully they bring it to the US soon!

[@Abigail_Kidimbu]

fav girl 🤍

[@smileycitrus]

🥹😘

[@TaylahLouiseBudgets]

Hello, I’m present! 🎉

[@smileycitrus]

hey hi hello 🫶🏼

[@ejhounslow]

just letting everyone know that they budget template is currently 50% off :)

[@smileycitrus]

yes, thank you!!

[@lee-13]

Unrelated: cute top

[@smileycitrus]

thanks!!

[@jaynebudgets]

Could anyone else tell me why I keep getting disqualified from surveys? Does this happen to anyone else? 😢 I signed up for both octopus and AttaPoll

[@maloumasereel966]

You make me want to make a budget… but I have no income lol 😂🫠

[@Abigail_Kidimbu]

Hahaha poor u Are u a student ?

[@maloumasereel966]

@@Abigail_Kidimbu yes hahaha I used to work a lot in the weekends but now I’m doing a second year of internship so no energy to work in the weekends :’)

[@Abigail_Kidimbu]

@@maloumasereel966 I hope u are going to graduate soon and make the money u deserve x

[@maloumasereel966]

@@Abigail_Kidimbu Awww thank you! 🥰