SEPTEMBER MONTHLY RESET | goal setting, budget with me + no spend month 💰

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★ FREQUENTLY ASKED QUESTIONS ★
✰ How old are you? 26
✰ Where are you from? I'm originally from England but moved to Adelaide, Australia when I was 9 years old. I also spent 2 years living in Toronto when I finished high school which is why the accent is a bit all over the place 😅
✰ When did you get married? April 2022

[@sheriberrix]

"I would hate to be my bra" HAHA. Really appreciate the full transparency of changing your financial goals, and totally understandable of wanting to just enjoy the present and your life over grinding for europe.

[@smileycitrus]

thanks gal! i'm in pivoting era

[@nikkibott3878]

I love your transparency with your finances and the honesty around not wanting to continuously hustle to achieve the Europe trip is refreshing. It’s definitely something my husband and I have spoken about this year too, so thanks for bringing it into the open x

[@amelia.733]

I absolutely adored “A Good Girl’s Guide to Murder”. A fast, gripping read!

[@molliemahaffey7469]

I cried 😂 at the “u didn’t sis” 🤣🤣🤣

[@RenishaJesvita]

I had to come here and applaud your thumbnail. Its so inviting :))

[@Tori.Elle24]

I’ve always struggled managing my finances. Recently I decided I need to be accountable and make changes but I really didn’t know where or how to start. I just discovered your channel and I’m so inspired. I’ve purchased your template and feeling less confused and overwhelmed about the challenge ahead. Looking forward to seeing more of your content! 🥰

[@smileycitrus]

ahh this makes me so so happy!! best of luck lovely 🥰

[@australiansister69]

Hi Ella, absolutely love your monthly reset vids, some of my goals for this month are, mainly based around the gym, deadlifting 110kgs for 2 reps, my 1RM is 120kgs, finishing at least one book, spending at least 1/2 an hour a day without technology, playing at least one board game on the weekends, chest press 52kgs in the gym and treating myself with some new clothes at the end of the month

[@smileycitrus]

what great goals! I love the board game on the weekend one especially 😍 thank you for sharing!! can't wait to hear how you go x

[@savvy_phoenix]

You could create a monthly book club with friends? This holds you accountable to read 1 book a month, and also meet up with your favourite people on a regular basis. You'll probably find you'll want to read more in general as a result 😄

[@smileycitrus]

oooh I like this idea! I'll ask my friends hehe x

[@maisierawle3954]

love love love your transparency, I've been watching since the beginning of your channel and love how your content has grown with you, super excited for your upcoming opportunities, wishing you the best of luck!!! taking your advice and putting my goal out into the universe: I want to start my social media accounts this month! I've been planning on doing something like this for a while but there's some exciting events coming up in September/October for the content I'm wanting to post about, so I think it's a 'now or never' kind of moment. The fear is real, but it's super exciting! 💛💛

[@sofie.alexandr]

We as ur audience would definitely not forget or move in from ur channel!! Feel free to take breaks when u need ❤️❤️❤️

[@sofie.alexandr]

Move on ***

[@smileycitrus]

thank you so much 🥹❤️

[@sofie.alexandr]

Love your monthly reset videos!!! Great start to the month 🥰❤️❤️❤️❤️

[@smileycitrus]

so glad you like them! they're my fave to film ❤️

[@EmsFitVenture]

I’d say coffee beans for the machine at home is grocery since it’s consumable but parts for the machine I would file under home.

[@smileycitrus]

ok yes I agree!!

[@lisawilliams5]

I highly recommend the book "Did you hear about Kitty Karr" it has so many twists and turns. It isn't a thriller.

[@LifewithAfia]

Omg i was waiting for this love your stuff

[@smileycitrus]

thank you 🥹 hope you enjoyed!!

[@DonnasWonderland]

I had to pause at 22 mins and say I’m sad we won’t be drinking tea ☕️ next year but I totally understand and agree you’ve had two years of go go go it’s nice to just sit back and breathe a little so definitely support the longer term goals perhaps aim the Europe trip for just before you think about starting baby season that could be a cool chapter marker ❤

[@smileycitrus]

it may still be next year but probably not in the first half of 2024 ☺️ can't wait to visit the UK 🥰 definitely want to do it before we have kids!

[@mikaylaburchnell5962]

Ella ❤ ever think about launching merch?? I think you’d have the cutest merch 😊

[@Seolhwaneul]

YES Thrillers will always get me back to reading no matter the reading slump 😂 I recommend Jar of Hearts by Jennifer Hillier! Freida McFadden is a hit or miss and she has her formula, but the Coworker wasn’t too bad!

[@TaylahLouiseBudgets]

Woke up early and sat down with my coffee just to watch this 😍😍

[@smileycitrus]

i'm honoured!! hope you have the best day 🩷

[@kaylachristensen]

This is the first video I've seen from you and I love it I love how open and honest you are :) I'm 22 and in the process of planning a wedding in Ontario Canada and I love seeing videos like this as it truly motivates me to get my finances in order :) I also love traveling! My favourite place I've been to is Kenya, I went there on a service trip in high school and the sunrises and sunsets were stunning :) sorry I'm a talker lol and love meeting new people :)

[@smileycitrus]

wow thank you!! Kenya sounds amazing x

[@edwardleecaliforniausa]

Hi Ella happy Monday night and I loved your vlogs and you are amazing Supporter and I'm proud of you and I enjoy your channel

[@smileycitrus]

Thank you! Happy Monday ☺️

[@edwardleecaliforniausa]

@@smileycitrus your welcome sending you hugs ❤️ 🤗

[@Tashmaree333]

Fave thriller/crime fiction - Everyone in my family has killed someone by Benjamin Stevenson and pretty much all his books

[@capturechallengechronicles]

Which budget template are you using from the site? I purchased the Ultimate Monthly Budget Spreadsheet for Excel and it looks different to the layout you have. I really love how you have all the months and a seperate subscriptions section which the one I purchased doesn't have.

[@m.h.t1286]

Not a subscriber, just came across your video on KZbin (its algorithm). What stood out for me was the fact your budget has no ‘Investment’ allowance, weather it’s superannuation contribution or stock market investment. I’m in my 40s and wish I could tell my 20s or 30s year old self to start investing early. Yes, we did have mortgages & other debts (back then), but even investing little each year, the compounding interest is a powerful thing. Putting money in high yield interest savings account is so old school as our money will lose value over time due to inflation. Good luck!

[@smileycitrus]

we have superannuation that our employers pay into but definitely want to start adding extra. I do also have ETF's (just not shown in this budget)

[@Dozzzzy]

Coffee beans are 100% groceries!

[@ohhsnapitsharley]

I’m not doing a no spend month but I really like the idea of tracking no spend days! I might have to try that for October

[@smileycitrus]

it's been so empowering!

[@meganmarievd]

How do you get those spreadsheets? Thank you for the video. I am trying to save money for a drivers ed course for adults.

[@hayleyfoster845]

Random question, how do you classify the difference between social and alcohol?

[@chrissywilson8308]

You could try scheduling your posts so that you can take more days off social media? or even bulk recording so you could take a small amount of time post on you tube and then take the rest of the day off to rest. Love your videos, keep it it up :)

[@TiffanieMichelle]

Don’t let her stay was a really quick thriller. Mind you I wanted to THROW the book across the room! Lol it was still good!

[@smileycitrus]

hahaha I love books like that! will have to check it out, thanks 🥰

[@TiffanieMichelle]

@@smileycitrus of course!

[@emmawright200]

Notification squad, where u at? Here from KZbin notifications! Already liked the vid EVEN b4 watching as I know I will ❤ it! In terms of what I am working on this month is not buying any unnecessary things like extra snacks or random things off Amazon. I'm trying to be careful with how much I spend at least until mid-next month.

[@smileycitrus]

thanks for sharing! best of luck 💕

[@smileycitrus]

thanks for sharing! best of luck 💕

[@maloumasereel966]

2:24 hahahahaa they do 🤣

[@marinadeller]

Have you read Dark Mode by Ashley Kalagian Blunt? It’s a thriller but it’s a bit *different* than others I’ve read previously. I think it could be a fun one for a reading slump!

[@smileycitrus]

oooh I haven't! i'll have a suss. Thank you!

[@traversatile3471]

"You know me. Sun's out--I'm a whole new woman." Me and my seasonal depression agree, sis 😂

[@smileycitrus]

hahaha mood

[@KattsLife]

❤❤

[@BudgetDownUnder]

💛 💛 💛 💛 💛

[@smileycitrus]

have the best month lovely! 💕

[@ss-yari]

Love your shirt! Where is it from?

[@smileycitrus]

Princess Polly! my code ELLAXO will save you some $$ 🥰

[@whitneyatkins2354]

Love these videos! I am confused though as to how this is no spend September😆

[@smileycitrus]

haha maybe "low spend" september is better

[@moonmother.]

💖💖💖

[@smileycitrus]

🩷🩷

[@allee541]

I've been checking for the last couple of days for this one!! I might consider a no spend month at some stage, saving for my cruise at the moment😀

[@smileycitrus]

hope you enjoyed!! which cruise are you going on? 😍

[@allee541]

I have 2 booked for next year. 1 to Tangalooma Island and the big one is a one way from Sydney to Singapore. So excited. Counting down and saving hard!!! Any tips on accommodation or flights back appreciated .@@smileycitrus

[@victoriaivy5953]

No spend September sounds like such a good idea. Just got married so presently living week to week and hubby and I owe over 10k in predicted bills this month alone in rego’s and home rates

[@smileycitrus]

congratulations again lovely! sounds like it's going to be a $$ month 😭 sending all the good money vibes x

[@mikaylasolomon9389]

Hi, love your videos but noticed there was no money allocated for bills. You pasted them into the due column instead of the budget column. Just wanted to let you know! ❤❤

[@smileycitrus]

thank you ❤️ I noticed while I was editing 🤦🏻‍♀️

[@shannonfeeney1093]

Hey Ella, I’m looking for new ways to earn some extra cash and I was wondering roughly how much time it takes you doing the surveys to earn $100?😊

[@lee-13]

What about Roth IRA / 401 k / brokerages

[@smileycitrus]

our employers contribute into our super funds (retirement fund) every pay check- between 12-16% of our earnings