My BUDGET for 2023 has had to CHANGE - The RECESSION proof plan

[@The_Break]

Hello people I hope you are well, here I am working through my budget! Watch out for scammers in the comments I would never ask you for you to WhatsApp me or send me money, so be careful!

[@raychul33]

Damn these scammers are all over the comments, it’s ridiculous

[@lettucegotomato5859]

Dang they almost got me

[@anjie2561]

Thank you so much for this video Really helpful Patricia please how do you keep track of the actuals for example clothing if you spend 5 pounds here, 2 pounds there etc, how do you keep track do you write them down somewhere when you spend your money or you have to sit down every month and go through your bank statements What if you paid out in cash Is there an easier way to do this thank you

[@Mariamsadventure]

@@anjie2561 request for receipts for all your expenditures, especially those you pay cash with. For your credit score though, it’s better you use less cash withdrawals and have more leftovers. If you use Barclays Bank, they put these types of spending into different categories on the app and it really helps to show you where you spend the most. It can be a big shocker though…

[@SarahDestiny_]

2023 - The year we get out finances RIGHT!

[@SustainablyBex]

Yes!! 🎉

[@Martina_E]

Yes

[@Jasante85]

This!!

[@raychul33]

This just shows how much people on much lower wages will struggle. With a high salary like this having not much left over, it really does show how much things have gone up. Not a dig at Patricia, just an observation of how ridiculous prices are getting.

[@msdiva29]

There are low income budgeters on KZbin & have saved thousands & they have kids. They budget like she does. The whole point is save for those expenses. Things are going to go up, then adjust your budget. It's simple.

[@raychul33]

@@msdiva29 easier said than done though, some people literally have nothing left after paying bills hense why so many people are relying on food banks etc. In fact some people can’t even pay all of their bills let alone save anything. This is the point I’m making

[@msdiva29]

@@raychul33 It is easy, add extra income but most people are more complacent not helping themselves. There is always solutions & no excuses.

[@Anna-2]

@@msdiva29 What if someone is already working as much as they can and still not making enough? It happens so much. But lots of people like to say "just work harder". The world doesn't work like that really. Not everyone is lucky enough to have the education or training needed for so many higher paying jobs.

[@Churros1616]

Its all depends on your expenses. If you have a cheaper house, cheaper car and don’t take taxis’s.

[@cecilia9643]

Very useful video - I'd love one on credit cards and savings and how to use these intelligently please :-)

[@iammarthericci]

Yes to the credit card video with points and benefits xx

[@madisonshepard]

Love all that you do sis! Please share on the credit card points! Xoxo

[@francoisegoubaut]

Hey Patricia, love your videos. Yes please make a video on credit cards 🙏🏽 😊

[@musingsofdupe1410]

Super helpful as always! Please do do a video on credit cards and points. Thank you!

[@kath2193]

Would deffo love to see that video regarding benefits of spending on your credit card (points etc) 😊

[@kenyacurry7105]

Hi Patricia! Thank you so much for making this video. Please do a video about credit cards on the points and savings. I'm always looking for the best credit card that has the best cash rewards and points. Thank you so much!

[@miles3597]

please can you do a video going into credit cards in more depth!? these videos are sooo useful!

[@heygiirltv]

Thank you for this video! YES, PLEASE do a video on how you use your credit card and payoff monthly.

[@kyeinet7857]

Get your food shopping from Aldi ! It’s sourced locally, fresh and their own brand will save you 100s per month ❤

[@anjie2561]

Really helpful Patricia please how do you keep track of the actuals for example clothing if you spend 5 pounds here, 2 pounds there etc, how do you keep track do you write them down somewhere when you spend your money or you have to sit down every month and go through your bank statements What if you paid out in cash Is there an easier way to do this Thank you

[@courtneyc8773]

Big yes please to the credit card video!

[@kajaszczechura3084]

Yes to UK credit card video!

[@Natural21Lista]

Thank you. But the link is not working for me, unfortunately

[@exploringwithevie5817]

I'd really like a video on credit cards and vest way to get points on them xx

[@naninebalchin4237]

Amex is the best one for the uk!

[@originaltoyasweetness4479]

Happy new year to you and your family! From your Miami viewer!!

[@scarlettkhan9667]

Hi can you do a vlog on being self employed and starting you Tube, choosing an accountant etc.

[@reSTevens100]

This was great thank-you! A big yes to the credit card video 😊x

[@irindy]

Please do a video on credit card. Thanks for always blessing us with these financial tips!!!!

[@zebavx]

Please make the video about credit cards as this is something that would be highly beneficial!

[@AB-kd9et]

Girl loving the channel and the content. Please consider making an updated video on the property market in London in 2023. Like is it better to rent or buy or anything on the topic. Anyways, big fan. ❤❤

[@Bvi9169]

Plz do video on points and credit card

[@britelite03]

what about a budget for retirement savings? is that something you track separately?

[@tonit7732]

Most probably via her limited companies

[@WORLDOFCOURTNEYMICHELLE]

This video was important and so needed. Thanks for sharing!

[@DeannaMaurice]

Y es to the point and savings with your credit card. that is something that I've begun researching!

[@mmakhutsomadigage628]

Hey Patricia...Please do the credit card video, Thank you for the valuable content.

[@stellamarisokello2140]

Thxs so much Patricia, where's the link to the trive challenge please 🙏

[@mindsetmontage]

Yes please let’s do this

[@rosettAIRcps]

Thanks Patricia! Is this budget planner mobile friendly? Just to let you know, your link is not working, but you can navigate to your website. Thanks!

[@aprylgem1]

Your my KZbin godmother. Thanks for your time and effort. Definitely need credit card lessons 🥰

[@rileymurray9098]

2023-side hustle Second job

[@dubsy_mshika]

You look beautiful ❤️

[@KateLutaya]

Lets do monthly webinars as a community, yessss! The link doesn't work, could you pls update

[@KateLutaya]

@user-ol6xp2ru9d lol

[@miriamowusu6778]

Thanks for sharing this! Just so you know Patrica, the link to get the budget planner doesn't work.

[@gracieomalley7143]

Video on credit card benefits please :))

[@abym5048]

Thanks Patricia, so much value in this video! ☺️ But £60,000 after tax is only £3,654? I’m confused! Could someone explain please xx

[@Marciiya1000]

As Patricia is self-employed, she takes some of her 'salary' as dividends to make up the £60k (possibly all of her income after the tax free allowance) which incurs a lower rate of tax overall than a purely a PAYE employee would pay on their £60,000 salary after tax, hence Patricia's higher income. She briefly mentioned that she would increase the dividend payment due to the cost of living crisis near the end of the video. Patricia also previously mentioned in her older videos that she cleared her student debt years ago.

[@nikkibott3878]

It’s after tax. You can see at the top it says net and just over £5400 which is just over £65k net a year.

[@Andromeda2976]

Very clear, thankyou so much! 💞

[@tuesdayschild8994]

So does your money usually sit in your business?

[@temitina2804]

The link for the spreadsheet doesn’t work

[@oanathomas8470]

What about tax? Is gone from this year budget.

[@missmasao]

2023 let’s go

[@adaywithasinglemom]

Happy new year ❤❤

[@simplysony7308]

Love love love love 😍

[@martahelenafernandesdebarr9491]

Adoro os seus vídeos 🇧🇷💖🇺🇸

[@lettucegotomato5859]

I’m interested in joining

[@chapter2719]

You forgot clothing expenses for children

[@tendays456]

Woo child some of us are only making £30k per year 😭 with student loans and car payments it’s gonna be a rough year

[@dubsy_mshika]

First ❤️🔥

[@BrainPleasers]

Sorry but no, your £60,000 salary is actually approx. £120,000...? taking home £5500 after tax to an average person is NOT the same as what you're talking about 😭

[@natakijean-baptiste1746]

Business salary/dividends is around 7.5% take maybe a little more but not the 20-40% from a PAYE

[@seaks00]

This video is extremely misleading. Where are the childcare/education expenses/household expenses. This is maybe possible for a single person.

[@STARZldnlyfe]

Salary has gone done from 100k

[@Iheartpie1234]

Wait… you only make 60,000 a year with all these followers and platforms?!

[@farhanabegum7516]

No she makes wayyyy more but she gives herself a salary of 60k and invests the rest

[@Coastpsych_fi99]

She’s extremely smart and pays herself a salary but she’s the owner of a business that owns property, investments and pays her a dividend. It’s more tax efficient.

[@natakijean-baptiste1746]

Your charity can be taken out pretax

[@alexandrabazann]

Leave it to Patricia to give us the secret sauce ❤thank you for sharing girl!!

[@sarahnajm1280]

Happy new year to you and the family 🎉 Thank you so much for this very helpful video however the link to download the budget planner isn’t working 🤍

[@Martina_E]

Link isn’t working