WHAT I SPEND IN A MONTH | a very expensive month (ouch...) *September 2023*

thanks for watching ✨ Thank you to PayPal for sponsoring today's video! Sign up for PayPal here: payp.al/Zoe-Pr...
What I spend as a 27-year-old living in Montreal, Canada! This month was CRAZY!!!! I actually felt good about my spending until I saw it all tallied up... Some of it was planned and expected, some of it less. BUT, it's real! I hope you enjoyed watching! xo
Follow me on instagram! / zoexpritchard
My Budgeting Toolkit (ships internationally! use code ZOE10 to save 10% on your order)
📌 Digital Budget Tracker: thelineshop.ca...
📌 Custom Cash Envelopes: thelineshop.ca...
📌 Leather folio (how I store and carry my cash envelopes): thelineshop.ca...
📌 Vegan leather folio: thelineshop.ca...
*Some of these links may be affiliate links. This allows me to earn a small commission, which supports my channel at no extra cost to you. Thank you ☀️
Thanks for watching! Please subscribe: www.youtube.co...
Are you a brand that would like to work with me? Please email [e-mail]
✨ About me: ✨
Hi, I’m Zoe! (Pronounced like Zoey) I’m a 27 year old from Montreal making videos about my REAL life. After quitting my management consulting "dream job", then being laid off from a startup job, I decided to take a chance and work for myself. I'm now mainly focused on KZbin (my absolute passion) and side-hustle contracts in the copywriting and admin fields.
My videos centre around work, gentle productivity, mental health & personal wellness, with a touch of fashion, tech, and whatever else I'm living. My goal is to be open & honest ALWAYS and for my channel to be a fun, inspiring place where we can set goals and live our best lives together. I would love for you to subscribe 💝
TAGS:
what I spend in a month, monthly budget, monthly spending, monthly rent budget, fixed expenses, variable expenses, rent in montreal, car payments, cost of living montreal, budgeting in your 20s, budgeting in your 30s, honest budget

[@jimv77]

I put my head down and paid off debts after graduation. Some would say no life but I had a goal. By age 32 I was totally debt free...totally. It so soon nice not seeing a monthly student loan payment, Rent/Mortgage monthly payment, car payment each month. When you have no payments it's amazing how fast the bank account grows....we actually no longer have a budget.

[@ZoePritchard]

amazing!!

[@poppycalliope]

Omg the spa receipt story 😂 shout out to the affordable Greek restaurant 💙 it's normal to have some months when you will spend more, I think we can all relate. Also having a hobby which will keep you happier during winter is a wonderful thing to do for yourself 👏✨️

[@ZoePritchard]

loooove Greek food 💙 hehe

[@TaylorMartinez0660]

your finance videos are some of my favorite videos to watch on youtube. i love how realistic and honest you are about not just what you spend but how you feel about your spending. proud supporter of your channel and i will continue to be ❤

[@ZoePritchard]

you're so kind!! thank you omg 💖

[@johntryl8009]

Winter tires sucks but are100% necessary, it's a safety item. The traction you have with the ground means so much for your ability to handle your vehicle. I'm in the same boat this year. Plan on about ~1k for all four. 200/ea for the tires, 50/ea for the steelies (rims, steel rims, not alloy rims). Make sure you look after your car (at least functionally, cosmetic stuff is a diff story cause it's a splurge/discretionary spend, but winter tires are not a choice, that's functional, oil changes are functional too unless you want to repair an engine for 10k...). Keep up the great work.

[@ZoePritchard]

thank you!!

[@kstan88]

as someone who works in chat support for a subscription service, if you sign up for a trial but don't use it within that time, you can usually chat in with someone and ask for your trial to be extended :)

[@ZoePritchard]

omg great point!

[@taniarodriguez9801]

Zoe, you made it!!! Congratulations on the 50k! I’m soy happy for you! Very much well deserved!! ❤

[@ZoePritchard]

this is so kind, thank you so much!! 💖💖💖

[@0wlyssa]

Love these videos for inspiration and removing the stigma about talking about finances/spending. I love and strive to live by the motto you shared about being on a debt payoff journey while still living life/enjoying yourself. That balance is so important! Life doesn't stop just because you have debt. Re. your comment on not knowing how to categorize things like supplements/vitamins - I was in a similar boat. Right now I'm grouping it in my Personal spend, but I might break this out into Health/Wellness? Not sure... Would love to see what you ultimately decide!

[@ZoePritchard]

thank you!!! yes its a great idea to make it its own category (especially since it can be pricey LOL)

[@robyn_southafrica]

Happy 50K Z!! 😃😘🤍🤍🤍

[@ZoePritchard]

thank you so much 💖💖💖💖

[@xL0V4BL3]

I love what you said about skiing, it's truly one thing that makes us look forward to the winter here and it's so fun and opens up to so many different possibilities like night ski, chalet trips, etc. It's truly an investment and you should definitely feel proud you planned for it and had it in your budget! I love these finance videos of yours so much, they're relatable and familiar but also super inspirational and you give me so many ideas. Congrats on almost 50k, I am so proud to have been here since 10k and will be here at 100k!

[@ZoePritchard]

thank you for your long-time support omg 💖 I always see your comments and you mean the world to me!

[@adrianapereira17]

As an RMT myself, I am completely against tipping. We are health care practitioners (regulated by the RHPA in Canada just like doctors, chiropractors, physios, etc.), yet we are the only ones who think it is acceptable to ask for tips. I think it degrades our profession. We are providing health care - NOT a service - which is where the line gets a little blurry in spas. You won't be offending your therapist if you don't tip them. I refuse tips when some patients offer and just educate them on why :)

[@adrianapereira17]

Something I just realized - RMTs are regulated in Ontario, but not in Quebec, so that could be why your therapist in Ottawa never asked for tips.

[@ZoePritchard]

this is SO INTERESTING!! and perfectly sums up how I felt. At a spa if I were getting a massage I would expect to tip but not at a clinic. But it could so be a Quebec thing!

[@marynahoum]

Congrats on 50k!! 🎉

[@emilyadler4153]

you're so close to 50k and I'm so excited for you! :)

[@ZoePritchard]

thank you Emily 🩷🩷🩷

[@maristelasantos8714]

So are we throwing a party for 50k, Zoe!?! This is so exciting, glad to see you growing your Chanel! 🥰🇧🇷

[@ZoePritchard]

ahh thank you!! 💖💖

[@violettefemme21]

I totally feel you about having the right massage therapist. I have the best massage therapist where I live and I might be moving and she’s one of the reasons that makes me not want to!

[@janals2]

Congrats on 50k!!!

[@ZoePritchard]

💖💖 thank you so much!!

[@jennaphillips2368]

Ok I'm so glad you brought up the RMT tip thing - because I'm happy to tip at my spa when my aesthetician does my nails or a relaxation massage, but I don't tip my dentist, so why am I tipping the physiotherapist (especially when RMT massages are already more expensive than a non-registered aesthetician)? It's bugged me for years haha - in any case, agreeing with others here. It's totally normal to have more expensive months. Recently I bought a year membership to gymnastics and it cost a LOT of money, putting me way over budget in August - but now I don't have to pay again for a year. As long as you recognize the abnormalities and can regulate moving forward, that's what matters!

[@ZoePritchard]

agreee!! have fun at Gymnastics, that is so cool! 💖

[@SarahhhhhET]

You’re so close to 50k!! Great vid! The coho prepaid card reminds me of the girl math trend 😂

[@ZoePritchard]

one million percent 😂😂😂

[@ThemilyCurran]

I always tip service workers, ie. Masseuse, tattooist, hair-dresser etc :) Love your videos Zoe!

[@ZoePritchard]

thank you!! and thank you for sharing!! i guess I never put them in the category since my girl in ottawa never asked for a tip. Its good to know!

[@mariannedressler6784]

If I lived in Canada I sure would take advantage of skiing!! And take lessons!!! 😀

[@ZoePritchard]

💖⛷

[@Stephanie-ki5oz]

Have you tried spa vert? I don’t love the building it’s in. But I got lymphatic drainage there and it was amazing. I do agree I’ve had a hard time finding a good one!! And I also don’t get the tip. But I don’t get it for hair either lol

[@MarissaPaige_]

This is such a fun video!!

[@ZoePritchard]

thank you Marissa!!

[@charlottemillington4711]

Where is your hoody from Zoe? It's so cute! Loved this vid as per

[@ZoePritchard]

thank you!! 💖 hoodie is from Garage, here is the link if you are interested: groupedynamite.pxf.io/spongyzippink

[@user-xc4nc5gv3f]

is that normal for a brand to owe you payment for 2 years? that’s crazy!!

[@ZoePritchard]

not normal 😭😂 not at all lol

[@maloumasereel966]

@@jenniferrivers1561pretty sure this comment isn’t about paypal

[@emilymurphy2926]

The only thing I would like to ask is health insurance in Canada more expensive ? I thought it was better then the states ? I wasn’t sure if that is the reason you don’t have health care. Does that worry you? Love your content . I just am in my mid 40s and fortunate I do have health coverage it’s not cheap but it’s a pillow. Happy fall !

[@cschaubhut]

i’m curious too! I have about $200 a month taken out of my checks for my insurance here the in the states

[@GabbyPeterson17]

She’s self employed so she wouldn’t get health insurance that covers medications and things like massages, dentists, physio etc. but if she were to go to a hospital, doctors office, etc. that is all free.

[@ZoePritchard]

hi!! yes we have government insurance here in canada/quebec so if anything medical happens I am thankfully covered. Extra insurance would cover things like dentist, eye doctor, massage, etc. but since I am self employed it is way too expensive and not worth it for me, better to pay out of pocket. 👼🏼

[@vivilove3070]

Ciao io ti seguo dall’Italia, mi piace tantissimo il tuo modo di esporre certi argomenti, davvero bravissima e molto simpatica 🥰

[@ZoePritchard]

grazieeee 🩷🩷 hehe

[@aga.toloczko]

Zoe, i usually only comment when i have sth "more elaborated" to say ahaha but i just need to write it: YOU LOOK SO GOOD IN BABY PINK!! 🌸🌸🌸 this cardigan with pearls and a white tshirt is so adorable, true ballerina vibes!! i will look for sth similar in my local shops :) have a good day, keep going!

[@ZoePritchard]

omg thank youuu!! this made me so happy xoxo 💖

[@AllatOncewithAmanda]

You’re deff gonna hit 50K this month 🥹🎉

[@ZoePritchard]

💖💖💖

[@resegofetselesokola6500]

Absolutely enjoyed this💕

[@ZoePritchard]

thank you so much!! 💖

[@Abbzidaill]

As a massage therapist- we are more under the cosmetology umbrella instead of the ‘medical’ umbrella. Much like an esthetician, no matter if we do medical massage or not. Most of us only get between 30-55% of that massage price, a lot of them are on hourly (usually less than $30/hr). It’s normal just to throw us $10-20 for a tip, a lot less than a hair stylist! Also look at the reviews dropping the therapists names to find one that fits your style. 😊

[@ZoePritchard]

ok interesting!! i did not know this, thank you for sharing 🩷 The girl i see in ottawa owns her clinic so that must be why she has never asked for a tip.

[@sharmilathasarathan1587]

it's because massage therapy is regulated as a health profession in Ontario under the CMTO, whereas in Quebec it is not (hence why you don't really tip the RMT in Ontario) :)@@ZoePritchard

[@divinedivid]

They want a tip?!? I’ve never heard of that before. In Nova Scotia and don’t go to many massage therapists but this seems weird lol

[@brittanytyler2620]

Omg who is the massage therapist in Ottawa who does that? I've been looking for a good one here and everyone I've seen is good, but doesn't quite do what you described.

[@ZoePritchard]

Her name is Elvi at the Orthotherapy clinic on St Laurent! I think she only operates on referrals so you can say Zoe sent you. Just a heads up: she is intense!! so be ready LOL

[@jasminkln]

Great video! The drinks are ouch🥲Would it be cheaper to go to a normal restaurant or cafe and just get drinks there? That's what a lot of Germans do

[@ZoePritchard]

Normally yes! We went to a restaurant with special import wine 🙃 and special soda apparently 😂😂😂

[@123kirmizi]

Personally I have a bad experience with PayPal, they took exceeded amount then they asked me to deal with my bank. I wanted to close the account but system did not allow me to do so. Finally, I told them I will take a legal action if they do not fix it. Finally I am Paypal free

[@ZoePritchard]

Im sorry to hear you had a bad experience!

[@lubanaamin3670]

where is that cute pink jacket from?

[@ZoePritchard]

hii it is from Garage 💖 here is the link if you are interested: groupedynamite.pxf.io/spongyzippink

[@Billy33753]

Helpful video

[@davidparnell4675]

Good video

[@duc25xr]

I dont understand spending that much on the office. Is it really that valuable?

[@ZoePritchard]

For now yes! But if that changes I would stop renting it.

[@simplyboppingK]

I live in North Dakota and I don't have winter tires... I don't think they are worth it. Also do you REALLY need a decorative plate? No. The masseuse? is a SERVICE, tipping isn't required but it is nice :) A lot of these expenses are things you really don't need to have. But I mean if you have all this money

[@bbstar7]

$400 groceries for one person? or is that for 2 people

[@Miss.ducharme]

I want to know the cool greek spot 🎉❤

[@ZoePritchard]

Its on Notre Dame and I think its literally called Resto Grec 😂

[@Miss.ducharme]

@@ZoePritchard thank you so much ☺️ I will be sure to check it out

[@dave16]

Are talking about canadian dollar oder us dollar in your videos?🙈

[@ZoePritchard]

I live in Montreal so it’s Canadian dollars!

[@BadGalBudgets.]

❤

[@JosianeKonate]

Have you tried Rituales Clinic? I know she does a deep tissue massage that peole rave about 😊

[@ZoePritchard]

omg I have to check it out 💖

[@anamariabot2367]

I am disappointed with Canada...I thought the life was better...a lot of people complain about prices and taxes and laCK of FREEDOM//...

[@nataliepyn1]

Nosey or curious?? 🤔