MARCH MONTHLY RESET | budget with me, goal setting + mortgage increase 💰📝

Hello my loves and welcome to my March monthly reset! I'm so ready to reset, reflect and make a new budget + intentions for this next month xx
✰ follow me ✰
▸ INSTAGRAM: / smileycitrus
▸ TIKTOK: / smileycitrus
For all business enquiries email at: [e-mail]
Budget Template: coplenty.com/s... *
Use my code: SMILEYCITRUS10 to save $$!
Goal + Habit Tracker: www.etsy.com/l...
Use my code: ELLA30 to save 30% off
WeMoney sign up link: wemoney.sng.li...
OR use my code: ELLA
Attapol sign up link: attapoll.app/j...
Octopus Survey sign up link: my.octopusgrou...
ShopBack: app.shopback.c...
Cash Rewards: refer.cashrewa...
*affiliate links
★ FREQUENTLY ASKED QUESTIONS ★
✰ How old are you? 27
✰ 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

[@annaliseaudrey963]

Women's only gym changed the game for me!!! I didn't realise how much more self conscious I felt at base level in a co-ed space. It's so much easier to be consistent at a women's only than it was in a co ed, I don't think I could ever go back lol

[@CatsInPyjamas]

same for me! It’s the best. And you can rock around in a sports bra and not feel conscious about it

[@smileycitrus]

this sounds like my vibe for sure! thanks for the insight!

[@bah5637]

If you're looking for an alternative to the gym - I've really been loving ClassPass, but it's been really fun trying different classes and feel like you can mix up your training schedule whenever you like, it's also encouraged me to get out of my comfort zone and try so many new things like reformer, boxing & yoga (you can try it for a month to see if it's your vibe as well).

[@smileycitrus]

oooh I'll definitely look into this! thank you!

[@TaylahLouiseBudgets]

I’m actually so excited by your self-employed budget bc it feels so much more realistic!!! Also gives me peace of mind that you’re putting enough aside to be protected if things don’t pan out as full time ❤

[@smileycitrus]

agreed! 🥰

[@itsamina]

I love how your intro just gave me such an instant calming feeling 💖

[@smileycitrus]

i'm so glad 🥰

[@catlynthiele6007]

hey Ella I love your videos, also live in SA!! was wondering you could make a video on how someone should start this finance journey? finding myself lost with money :/

[@smileycitrus]

Hi!! love a fellow South Aussie 🥹🫶🏼 I can definitely do that!

[@user-gk4gg6hu1h]

I've recently joined a women's only gym and I love it. It's the first time I have been consistent for 4 months. I would recommend!

[@smileycitrus]

ok this has convinced me!

[@cailynelizabeth3694]

This video is a budgeting dream 🤩🤩🤩🤩🤩

[@smileycitrus]

i'm honoured 🥰

[@SophieSuman]

Love this ! Excited for March - would love to see how you plan/ budget for travel - do you run a separate spreadsheet for this ?

[@smileycitrus]

Yes I do! I'm going to go over our whole USA budget/itinerary and how we planned it after our trip x

[@amys6099]

so excited for you!!! ❤

[@smileycitrus]

thank you so much 🥰

[@wisener17]

Ella I found your insta just a couple of weeks ago but you’ve quickly become one of my favourite content creators! I love watching your videos here and on insta / tiktok, thank you for being so relatable and creating such easily digestible content surrounding personal finance and lifestyle .. I never knew what I was missing in my feed until I found you ❤️

[@smileycitrus]

oh my goodness, thank you so much 🥹 appreciate your sweet comment & support so much! ❤️

[@suddenlythree]

Great video Ella, you're making so many great decisions, they will get you far in life ❤ We are turning our sights to early retirement so are putting 70% of our income into our mortgage. I wish I knew 20 years ago just how little we need to live a happy life.

[@smileycitrus]

thank you! good luck with your plans 💛

[@antoniatuckwell7362]

Love these videos Ella! So happy to see you blossom in your self employed era! ❤

[@smileycitrus]

thank you so much lovely! 🥰

[@alyssajenaway3781]

I thoroughly recommend having hospital cover- I am an ICU RN and have seen the worst case scenarios. I had unexpected cancer at 31, and was told I would have had to wait over 9 months before even being seen by a specialist if I had been public... even though they knew it was cancer and could have spread, paying cash usually isn't allowed. Private insurance saved my life. Always have insurance for the things that could ruin you and pay cash for everything else- you can probably afford a scale and clean at the dentist but could you afford brain surgery with cash (if that was even allowed which it's not)- probably not. Public health is okay for broke people, but you have to wait a long time which is dangerous in some cases.

[@stephaniewhyman3434]

I've bought the spreadsheet such a game changer for me. You explain it all very well ❤ Could you explain how you carry over the money left to spend from last month x

[@smileycitrus]

I'm so glad! it should automatically carry over! if not, email Coplenty and they can fix it x

[@alexkeuken6867]

You're getting so close to 50K! So exciting that you will hit that milestone in this era of Ella 😍

[@smileycitrus]

I can't believe it 🥺 thank you lovely!

[@WellBalancedWallet]

I love your budget spreadsheet!

[@smileycitrus]

it's the best 🥰

[@NaturalLiving9]

Updating my March budget whilst watching your reset video. Motivation goals! 🥰 x

[@smileycitrus]

hope you have a fab March lovely! 🥰

[@lihfng]

getting this video right on the last day of the month is so perfect to motivate me to go over my budget again + do my monthly reflection!! financial goal for next month is really cutting back on eating out which always puts me over budget

[@smileycitrus]

good luck with all your goals! eating out is our downfall too usually 🥲😅

[@ruebennomura9143]

Good work on budget and goal setting too

[@smileycitrus]

thanks!

[@courtneyboyd6401]

You should look at refinancing the variable loan! We just did and got 5.9%, it may not seem like a lot but it makes a pretty big difference.

[@smileycitrus]

we asked for a rate review and 6.45% was the best they could do 🥲

[@tahlia4189]

loved this Ella 💛 beyond proud of you! Xx

[@smileycitrus]

thank you so much Tahlia! 🩷🩷

[@daisyclifton5210]

Working on paying off debt… we’re able to put a big chunk towards it this month! 🎉

[@smileycitrus]

that's amazing! go you 🥳

[@popstevenstan56]

Just downloaded your budget template! I love the aesthetic and how clean it is! Love love love!

[@smileycitrus]

Hope you enjoy it! 🥰

[@emily_kate_]

Happy Autumn! ❤️🤎🧡

[@smileycitrus]

the best time of the yearrrrrr ✨🍁🍂

[@edwardleecaliforniausa]

Hi Ella happy Thursday night and I hope you having amazing day today and I loved your vlogs and you are amazing Supporter

[@smileycitrus]

thank you! have a great rest of your week ☺️

[@edwardleecaliforniausa]

@@smileycitrus your welcome sending you hugs ❤️ 🤗

[@karellemason8194]

Ella! thank you for the recommendation of the budget planner. I have purhased it and at first found it amazing, however have found recently that it has been glitching terrible for me, not saving my expenses in my yearly totals tab, and not allowing me to copy and paste between tabs. I am wondering if you may know what I am doing wrong?? I have also discovered that while I paid for the download, I didn't receive any emails or account details/order number so maybe thats why its not working for me??

[@audreylepine9126]

You hit your 50k followers this is insane!

[@smileycitrus]

i'm shook 🥹

[@nikkibott3878]

Just watching this today and you’ve hit and surpassed 50k subscribers!! Yay!! 🎉

[@smileycitrus]

eeek!! thank you 🥹❤️

[@dianalewis8147]

Love this!! Appreciate you sharing these details and being transparent about financial matters! (P.S. CONGRATS ON BEING FULLY SELF EMPLOYED!!)

[@smileycitrus]

thank you so much!! 🥰

[@brookeharland8577]

You should post to KZbin shorts, recycle your reels and tik toks

[@smileycitrus]

great idea! I just hate how the limit is 1 min on YT Shorts! i've got too much to say 😅

[@rachel.strike]

love your videos so much!

[@smileycitrus]

thanks so much lovely!

[@JM-ig2rk]

Can you please share how you invest in ETF’s? I’d like to actively invest but am not sure where to start, Thanks!

[@smileycitrus]

tbh I don't know enough about investing to share but we use commsec pocket

[@heyyjoannaa]

How exciting! I found you through Tiktok through your 'what i spend' series. Recent subby, cant want for more!

[@smileycitrus]

thank you so much! welcome 🥰

[@wercitka]

hi Ella! have a good day!

[@smileycitrus]

🥰❤️

[@AviewbyShay]

Hi. I looked at this template are you able to reconfigure the headings. Thanks

[@smileycitrus]

I believe so!

[@emmawright200]

Notification squad, where u at? Here from KZbin notifications! Already liked the vid EVEN b4 watching as I know I will ❤️ it!

[@jy8985]

❤❤❤

[@smileycitrus]

🥰🤍

[@KattsLife]

♥♥♥

[@MiaKeep-w6x]

I work in private health, and if your income is above 186k per year as a couple, you would fall into the next income tier

[@smileycitrus]

thank you!

[@laurendavisa]

Hey! KZbin recommended one of your videos, and I must say, you post awesome stuff. I love it, and I want to see you on top! By the way, I was wondering if you or your friends need a video editor or thumbnail designer. I am Mohan, a professional video editor and thumbnail designer with 4.5 years of experience in creating engaging and high-quality videos and thumbnails for KZbin. If not, please reply with "NO" and I will remove you from my follow-up list. Keep creating amazing content! Best regards, Mohan