What I Spend in a Week as a 26 year old in Australia 💸 *realistic* mortgage, rent, bills, groceries

Hello my loves! I hope you guys enjoy this "what I spend in a week" vlog style video with realistic numbers as a 26 year old living in Adelaide, Australia. This includes all of my mortgage, rent, bills, groceries, eating out, general spending 💸 How much do you spend per week?
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Ella Maegraith
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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

[@wunderwriter1]

I can’t get my head around anyone thinking you married Nick for his future earnings potential, let alone actually taking the time to post those thoughts. What ever happened to old fashioned civility? I’m afraid I’d have to block those callous commenters immediately. It’s your life, your marriage and your money, and you’re selfless enough to share details with the world. They don’t deserve a response. Wow…just wow. Have a wonderful day and thank you for the transparency. Super interesting content.

[@smileycitrus]

thank you for this 🤍🤍

[@wunderwriter1]

@@smileycitrus You do such a great job varying your content and keeping it interesting. I just watched the umpteenth budgeter stuffing cash in envelopes like it’s 1950 and somehow that’s actually supposed to make sense. You’re truly a breath of fresh air around here. I don’t live in Australia (or even work anymore), but I still find your posts entertaining and engaging. Some of these trolls really cross the line, but you seem to take it all so gracefully and maintain your composure in the face of shocking thoughtlessness. You’re truly a social media pro. I’m confident there are many, many more of us out there who appreciate your candor than the few whose envy is so obviously apparent from their tasteless remarks. Keep doing you, and please don’t start stuffing any envelopes!

[@monicahardie2534]

Great video Ella. You should never have to explain yourself about your finances because of other people’s stupid comments. . I, like so many of your followers have learned how to plan and budget better because of your videos. 💕

[@smileycitrus]

thank you for the reminder 💓 so glad my videos have helped you!

[@tahlia4189]

Absolutely loved this video 🥰 Hope you're having the most loveliest weekend, Ella! Xx

[@smileycitrus]

so glad you enjoyed! I had the best weekend 🥰 hope you did too x

[@Imeyewraddiction]

First time watching. I've enjoyed this video very much and will be back! I love how open you are with your expenses. You're an inspiration!

[@smileycitrus]

Thank you so much!

[@robyn_southafrica]

Its that time again, schmoney talks 🤗 yay! Love them all 😃😃 Happy Sunday Smileycitrus fam! 😘❤️🌼

[@smileycitrus]

happy Sunday lovely 🤍🤍

[@kirstyanne4716]

Absolutely loved and needed one of your videos! My uncle passed away yesterday from terminal cancer. And this video distracted my mind for a short time Much love Ella! ❤

[@smileycitrus]

oh i'm so so sorry 🥺 sending all my love to you and your family 🤍

[@DevonBlank]

Happy Sunday morning from England 😊 Great video Ella, thanks for showing us your week

[@smileycitrus]

thanks for watching! x

[@lindaharrison3364]

Loved this! Thank you for sharing. I have recently started breaking down my daily spending which has been a game changer.

[@smileycitrus]

thank you for watching! Doing a daily breakdown is really enlightening

[@emmawright200]

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

[@sheriberrix]

I saw that fly land on your head haha, I thought it was a speck on my screen lol. Looove how you broke it down at the end, the big amounts can sound overwhelming but when broken down, it's understandable. Great video Ella!

[@smileycitrus]

hahaha the fly was out to sabotage me the whole video 🥲 Yes! love a good breakdown. It makes it so much less overwhelming x

[@DonnasWonderland]

Woo hoo love the new couch! Also you totally sold me on the ice roller I got one for Mother’s Day ❤ so excited for your new home and love seeing Lily bless her with the pupa chino lol hope your mum and dad had an amazing holiday and covid didn’t hit them to hard bless them Sid’s law that is xxx

[@smileycitrus]

thank you!! hope you're loving your new ice roller 🥰 they're the best

[@DonnasWonderland]

@@smileycitrus certainly wakes me up in the morning I’m not quite there on the cold showers everyone is so fond of lol this is my middle ground 😉

[@edwardleecaliforniausa]

Hi Ella happy Sunday night and I hope you having amazing day today and I loved your vlogs and you are amazing Supporter and I'm proud of you and I enjoy your channel

[@smileycitrus]

thanks Edward! have a great week x

[@edwardleecaliforniausa]

@smileycitrus your welcome, sending you hugs ❤️ 🤗

[@bethaneydunne9682]

Hi Ella always look foreard to your videos pleasure to watch 100% support yoy videos content love ya keep it up csnt wait for next one 😊😊

[@smileycitrus]

thanks lovely xx

[@caitsayssmile]

Always find these so interesting to compare to my own life and expenses! Not entirely sure on the conversion rates at the moment but my MONTHLY expenses are around £1200 as a single renter in northern England!

[@smileycitrus]

it's so interesting seeing the difference! our expenses have definitely gone up massively over the last few years 🥲

[@emmawright200]

I don't know if you noticed, but for your Monday total, you put that you spent a total of $100.07, your grocery shop total for Monday was $95.08 and your coffee was $5.00, so that should have been a total of $100.08. (Sorry about the precision, I just so happen to have a really good eye for detail).

[@smileycitrus]

oops! very observant haha

[@balancingbec2116]

Love your videos Ella! They bring me so much job and I love to put them on while I’m doing things around the house so we can do things together 😂👏🏻 I wanted to ask if you had any tips on saving on groceries that you’d be willing to share in a video like this? I live in Tasmania with my partner and we spend at least $200 on groceries each week and have cut out a lot of luxuries (potato chips lol). I guess we don’t spend barely money on eating our each week, maybe $25 max so maybe it’s not too bad?? Idk I’d just love to see how you do a savvy shop 👏🏻 We also do not have stores like ALDI. Can’t wait for your next video! ❤

[@ashlee1408]

In the same boat here. I feel like my partner and I spend SO MUCH on groceries but we rarely eat out (like literally once a month, which is usually brunch) and we are both very health conscious so we don’t really buy lollies/ chips/ biscuits etc. I need help decreasing our food shop.

[@balancingbec2116]

@@ashlee1408 Yeah its difficult hey! Maybe this comment can start a little forum on how to be a little more savvy when grocery shopping 🥰 Buying in bulk has helped my shopping (if you have space to store the food) and it also fulfils my environmental side hehe. Only going to the shops once a week helps heaps too, ensuring that I dont buy things I dont need though I completely understand that it is preferred to purchase fruits and vegetables fresh on the day of eating. Maybe we should cut ourselves some slack if the only food we eat is what we but on groceries idk 😂 I just thought Ella may have some fab suggestions seeing as she is a financial queen 👸🏻

[@smileycitrus]

Hello lovely! I have a few tips that I'll share in a vlog soon but shopping at Aldi definitely saves us a lot of $$ every week. Also meal planning, cooking enough for 4 so we have leftovers for lunch/dinner the next day, having as many vegetarian meals as we can (buying meat can get very expensive). In saying that, we do eat out at least 1-2x a week! So we may spend less on groceries but more on eating out

[@balancingbec2116]

@@smileycitrus Thanks for taking the time to reply Ella 🤗 I’m super stoked about the video it’s like you answered my question before even asking 😂👏🏻 They are super great tips! We are already doing those things but I know this will be super helpful for others reading 👏🏻 Can’t wait for your next vid! Thanks again 🥰

[@livwallace2275]

I feel like you would be amazing working in a bank, been watching your channel for a few months now and from someone who works in finance and lending in a bank I have learnt better ways to break down budgets for others just from watching you break it down. I think your passion in this area really shows and am so grateful I found your channel too, nice to watch a realistic week in the life 🙃🙂 keep doing what your doing ❤

[@smileycitrus]

this is so sweet 🥹 thank you!! ❤️ I would LOVE to work in a bank

[@louloulouable]

Did Nick happen to not have any coffees, lunchs, beers out, without you on this particular week?

[@smileycitrus]

yep! no other spending from Nicholas (shocking tbh)

[@karendavies9434]

Random question what is her dog food you were using? Might slow my dog down with scoffing her little kibble. Thanks ❤

[@smileycitrus]

I think it's the Hills Science Diet- definitely slows her down! 🥰

[@frankie2065]

This is such a random question, but I remember you talking about doing surveys to get vouchers/money a long time ago. Do you still do this/do you know any ways to do this still? Love your content and videos 🥰

[@smileycitrus]

I do! not as much as I used to because I don't have much time but all my sign up links are in the description box 🥰 & thank you!

[@cayceenicole7566]

Jesus I thought me spending $1k a month was bad 😂 your rent per week alone is more than my pay each week. Yay retail 😅

[@smileycitrus]

haha it's brutal out here

[@WalkingandTalkingAussieGirl]

Hi Ella can you explain how the Australian tax system works in relation to KZbin payments? Do you just declare the second income and pay the tax owed at the end of financial year?

[@smileycitrus]

Yes! I have an ABN so act as a sole trader and then declare my second income at the end of the financial year. I've tried to set aside an appropriate amount of tax every time I get paid from KZbin so i'm prepared. Hope that helps!

[@milaanja5292]

What's the massage thing youre using on your face at 7.20???? 😊

[@smileycitrus]

it's an ice roller from Amazon!

[@lisacrooke2056]

I definitely speak to my fridge too. They can be so rude sometimes.

[@smileycitrus]

haha right?!

[@UTRipleyxoxo]

You'd make an excellent financial advisor.

[@smileycitrus]

that's the best kinda compliment 😅 thank you! maybe one day

[@EmsFitVenture]

Do you plan to stay as a one car household with just the new one or keep the current car as a second? Would you save for a second newer car?

[@smileycitrus]

we plan on staying a one car household for as long as possible ☺️ i'm sure that will change in the future when we start having kids but it's just not essential for us right now x

[@Sasha-16june]

Ella doesn’t have a drivers licence. Will you learn to drive in the future, perhaps when planning kids and needing to drive when Nik is at work?

[@smileycitrus]

yes I am learning and will have my full licence before having kids

[@Sophiecosgrove22]

I really enjoyed this! It’s so interesting seeing what others spend their money on 💸 I am curious though - do you think you would still be just as passionate about money etc if you weren’t as “well off” as you are? If you get what I mean? I hope I am not coming across as rude! It’s not my intention 🫶🏼

[@smileycitrus]

not rude at all 🫶🏼 It's hard to say really but I have always been super passionate about finances and saving/budgeting ever since I got my first job in high school. There's no denying that I've had a fortunate start to life but I have also had many periods of being unemployed and financial stressed. I've always found budgeting and talking about money made me feel so much more empowered and in control. Hard to answer but a very valid question! xx

[@victoriaivy5953]

Not my partner asking me who I was watching and me replying “my friend ella” and then me realizing you don’t even know i exist 😂

[@smileycitrus]

hahaha you feel like a friend to me too!! I love reading your comments 🥹🫶🏼

[@katalicious0179]

Yay ❤🎉

[@smileycitrus]

🥰🫶🏼

[@moonmother.]

🤍🤍🤍

[@Rabbitthateats]

You're bad with money. You spend $12,000 per month as a couple. $146,000 per year. You are terrible with money. No one should take your advice unless they wish to be poor forever. You need to first save 10% of your income at minimum and then reduce your spending

[@smileycitrus]

$93,282.80 spent per year if we average it out. As explained, our current fixed expenses are much higher than usual as we are paying for rent AND a mortgage. If you care to watch any of my other financial videos then you would know that we are consistently saving 30% of our income every month

[@smileycitrus]

We don't spent $3K a week 😂 we bought a new couch