September Spendings ... Trying to Budget and NO BUY again / How much I spend living in Switzerland

[@justkitinc]

I don't know if I ever commented in the past, but so excited to see you back! I watched all your videos in the past and missed you while you were gone! :)

[@NeliaRose]

Thank you for watching a lovely to hear from you. Glad that you appreciate the videos in some way and I try my best to keep them coming :)

[@kittenneries]

Hey Nelia! So good to see you back! Your videos have always helped motivating me to be more mindful with my spendings; I am thus looking foward to watching your future content here! Stay strong, darling. Your community loves and supports you!!!xxx PS: What about sharing more of your European way of life, such as your favourite local adresses, farmers markets, etc.? Would love to discover Switzerland through your lens! Hugs from France.

[@tracygellatly1267]

Thank you for this video! It encourages all of us to get back on track!

[@NeliaRose]

Thank you for the kind words. It can be hard to track things again but it feels good to know where I am spending and hopefully stick start a low or no buy again :) Hope that you are well :)

[@cindyklempner7203]

Wonderful to see you back!!

[@NeliaRose]

Thank you Cindy! Hope that you are doing really well :)

[@adda3752]

Im so so happy to see you back, you’re such a good influence to me❤

[@NeliaRose]

Thank you and I hope to share things that can be helpful for people with there spending habits :) Hope you are having a great weekend!

[@doodleschucky]

So glad to see you back 😊

[@NeliaRose]

Thank you :)

[@juliakw3267]

Hi Nelia! A short update...I completley failed😂 Oh no, not completley...I made an Internet purchase....and canceld, I bought a Stanley Cup on ebay (which is absoluteley unnecessary) and canceld and finely I made a subscrition for an app (for weight loose) and....canceld😂 I m thankfull, that we have the 14 day cancel option here in Germany! Now I wait for all the money, that hopefully comes back to me. But its an important lesson to learn...how fast I purchase and how long it takes to cancel. But I'm on the way...start the no buy challenge again today. Maybe its normal, to start like this. My brain is craving for shopping dopamin and has to learn the changes. Have a wonderful autmn weekend, dear Nelia! Looking forward to your next video!❤

[@NeliaRose]

Hey Julia, Thank you for the check in was really nice to hear your process. Hey that is a win when you still have the option to return or cancel and the best part is what you said which is what you learnt in the process. It is super normal to want the excitement that comes from shopping especially when that is the norm for you. I think it is about trying where you can and not beating yourself up about the slip ups along the way. This week I talked myself out of buying a new note book like 6 times and even went to the store and took pictures of it because I still have a couple I can us but I was just excited about a fresh start and wanting to journal more often. I told myself if I finish one whole note book that I already have and build the habit first then I will let myself get the new fancy one. For me this whole choice to try to do something different it really a choice in getting to truly know yourself and step into a place that is a little uncomfortable in the hopes of better understanding and building confidence in yourself. I will hopefully share monthly checkins but school is 8 am to 5:30 most days and then I work after that so we see how well I do but happy to always chat and check in in the comments when I get the chance. Hope you have a lovely evening :)

[@juliakw3267]

​@@NeliaRose Hey and good morning! So long days you have. Please take enough time for rest😊 I really like also your older videos for motivation. Have a nice autumn 🍁

[@donahazelwood9263]

So motivated by this video! I'm ready to go on a no buy in 2025. ❤

[@NeliaRose]

Hey Dona! Wonderful to hear from you and yes I hope to also continue into next year slow and small wins will hopefully get me there :) Hope you are doing really well :)

[@sneakerlove5313]

You look pretty. As always. Good to see you.

[@NeliaRose]

Thank you :) Hope you are having a lovely weekend :)

[@nakamag-trader3319]

try to live here in Philippines, your monthly total cost will definitely cover you in a few months. :D ahahah .. try velocity banking and looks like it will definitely work on your way.

[@juliakw3267]

Thank you a lot! The word you looking for is "Reinigungskraft" 😊 I really like your videos, because you are really authentic and you give me motivation! I will start to track, too! Just start two days ago. So we try this together☺️ Best wishes, Julia

[@NeliaRose]

Hey Julia thank you for the kind words. I appreciate it a lot and thank you for being here. I wish you all the best with your tracking and I will try to stick to it myself so that I can share next month the progress. :) Hope you are having a great weekend :)

[@Meryemha-f6c]

❤❤❤

[@NeliaRose]

:) :) :) Thank you :)

[@nbro94]

What eyeshadow are you using? Always looks so lovely on you! Good work keeping track of your finances in September. Good reminder for me to keep going with mine as well, Reinigunskraft was the word you were looking for (I'm German but living in Australia now😊)

[@NeliaRose]

I just use some old pallet from years ago that a friend gave me in one of her declutters. Nothing fancy but I try to work with warm colours as I enjoy them more with my skin ton. Thank you :) Oh amazing hope you are enjoying life in Australia :)

[@grreeeeee]

sometimes i feel kinda bad for you cuz you seem like such a perfectionist. you can't know everything, you just have to learn stuff, but that isn't bad, it's just the way things are.

[@NeliaRose]

Yes in someways I am pretty hard on myself but over the years I am trying to learn grace and patience. Not always easy to do... also accepting the way things are means you that you accept the present and in many ways I think that is something I struggle with. thank you for the thoughts. Hope you are well :)

[@sophiegolden]

So happy to see you again 😊. Vous visited my born city, Stuttgart, great ❤. Yes always a good idea to track again, I m going also to cancel a subscription. Take care your Sophie from Paris France 😊❤

[@NeliaRose]

Thank you for being here Sophie. Always appreciate your comments. Hope that you are doing really well :)

[@shoppaholic90meah91]

The big sister I never had. I'm the oldest of 8 and I'm always the one that's had to be conscious of how much i spent. But after I left home and got married. I had my own money. I went bonkers spending on all the things ive ever wanted. But now I've had that out of my system, I feel alot better saving.

[@NeliaRose]

Hey thank you for the lovely comment. I remembered when I first started earning my own money and also bought so much stuff simply because I could. Now it is a lot better but I still have times especially when starting a new hobby when I am super tempted to shop. Being the oldest of 8 is a big responsibility to show a good way but hopefully you still get to have the freedom to be yourself as well :) Hope you are having a great weekend :)

[@maopoamy]

Living in Switzerland is much more cost than in Australia...

[@NeliaRose]

It depends on the things but mostly yes although when you work with a proper job you also get payed better in Switzerland. It is all relative in some ways :)

[@luisa146]

What? 415 francs is about 440 euros, that's so little for rent! I live in Italy, not Milan, not Rome, just a small town in northern Italy and I spend 600 euros in rent for a one bedroom apartment. With 440 euros if you're lucky you can rent a single bedroom in a shared apartment and those are only for students

[@NeliaRose]

Yes it is very low especially for Switzerland but you have described where I am living perfectly in your comment. I am in a share house with 12 other people and it is only for students. There is one kitchen that people can use but I am one of the lucky ones who has a little cook top in my room. This is also in a smaller town that is around 20 minutes away from the main city not central, more in the country. There are some one bedroom flats near where I live but the cheapest is around 800 frank per month but unfortunately I do not make enough to afford this. Unfortunately the rent situation gets worse and worse and people who are renting never get a chance to save so they can have a place of their own one day. This for me is the biggest dream to buy my own place but who knows in this current world. :) hope you are having a lovely weekend :)

[@luisa146]

@@NeliaRose oh my, that's terrible then, not cheap at all. Rent is becoming prohibitive in every country. Governments should really do something about this like putting a cap to renting prices or something. We share the dream of buying our very own place, I hope you will be able to fulfill it one day! Thank you for sharing Oh I just wanted to add I remember I used to rent a single room in a shared apartment in a bigger city while I was in university and it was 240 euros a month. Prices have pretty much doubled in 10 years!