I loooove how this video came out, I hope you enjoy watching it ❤💸 How are you currently feeling about money? Let me know in the comments! Oh! And also let me know your most expensive and best purchase from last month 🙈 I'll go first: Most expensive were my new shoes and best was probably my Stanley cup
@tamaraesquivel76632 жыл бұрын
I’m feeling sad about money right now , I got let go from my job and been struggling :(
@jessiewicz2 жыл бұрын
Tips with the meal kits: a lot of times they post the recipes online even if you don’t subscribe and you can buy the ingredients yourself to make those meals and it’s much cheaper. You can also make more servings of each meal.
@marissajohnson42892 жыл бұрын
After watching you for over a year now, I see such a difference in your mindset since you’ve adopted the envelope system. I can tell that while the envelopes provides you with structure, I can tell your mindset has shifted to give yourself more grace and flexibility. I love the balance you’ve found the last few months! Is it weird I’m proud of you and excited to see what 2023 brings for you?!
@ZoePritchard2 жыл бұрын
Thank youuuu ❤️💸❤️💸❤️💸 this is so sweet and makes me so happy! I'm really excited too 🙈
@Coastpsych_fi992 жыл бұрын
Yes, I’m so proud of Zoe and feel so happy she’s found something that she feels comfortable using! ❤
@theandrogynist28852 жыл бұрын
Zoe, thank you for sharing your cash envelopes journey with us! I think maybe you can be hard on yourself with money, every time you said you didn't do the best job this month and that you overspent, I was thinking that you went WAY over your budget but $300 is not anything to feel down about. I think budgeting is never going to be a perfect science, it's meant to keep you aware and mindful about where you spend your money and even just setting a budget in the first place is a really big step and something you should feel so proud about. It's clear that doing this method has changed your pov on money and I can't wait to see you continue to thrive and achieve all your goals!!!
@ZoePritchard2 жыл бұрын
You're right 🙈 Thank you for your kindness! How crazy is it that "going back in time" to a manual, cash-based budget is what ends up changing the game eh? love it!!
@juliekostas73222 жыл бұрын
So happy for you, Zoe. You're growing and learning so much. You will find your 'place in the sun' with finance. It just takes time to figure out what works best. I can't wait to try the cash envelope system. You gave me so many great ideas from your personal journey. Happiest of Holidays to you! :)
@mrwonderful46162 жыл бұрын
Hi Zoe, I think it’s really cool that you’re showcasing the cash budget method for personal budgeting. I think another way to alternative is to use Excel and calculated formulas to track expenses and minimize data entry. Download the transaction details from your online banking system and upload into your spreadsheet and then apply an expense category to each item so you can calculate on a budget line item or better yet item category % over or under. Usually in many personal budgets, I find the entertainment category expense items are often miscategorized and hides the fact that the category is % over budget.
@xL0V4BL32 жыл бұрын
This was my favorite monthly update so far! So happy to see your growth and mentality towards finances! I'm a MTL girlie too and that opus price really hurts, if you find yourself not liking to drive after a week you can maybe get a weekly unlimited pass? As for Maggie, personally I was the same as you so I started budgeting for my pet and also putting money in a 'pet fund'. So let's say 40$ as my monthly budget and 50$ as my monthly pet fund, I cut elsewhere but that fund grows and eventually pays for vet visits and cleaning etc, it was basically like having another savings envelope! It might help x
@thatusagi57852 жыл бұрын
i really love your contents!!! it's like i hang out with big sis and it's so chill
@ZoePritchard2 жыл бұрын
Thank youuu! I love that! ❤️
@pewpewtato2 жыл бұрын
Thank you for being so open about your money/finances! I’m a bit older than you and still don’t have it figured out so I really take inspiration from these videos to help sort my own money out.
@LeendaRella2 жыл бұрын
I’ve been watching you for about a year and I love that you are real. It puts me at ease to know that I’m not the only one who struggles with this stuff! You motivate me to keep at it. Thank you
@ZoePritchard2 жыл бұрын
That's awesome!! Money stuff is HARD there is no doubt, and we are likely going to have to keep working on it our whole lives 🙈 unless you win the power ball or something haha
@gegeunique82572 жыл бұрын
I enjoy these videos bc I enjoy taking about money…A LOT. Many see it as uncomfortable and I could understand, it’s so easy to spend and not think about it. I’m 21 and I’m seeing all these young people digging themselves into a financial hole. I’m currently going to school to become a financial analyst and what spoke on these videos is highly informative. Thank you.
@ZoePritchard2 жыл бұрын
That is awesome!! Happy for you ❤️💸
@moneywithmocha7787 Жыл бұрын
I recently found your channel and I am totally loving your content!! I had to chuckle when you said you had to pull money from one envelope to cover expenses in another. I used to do the same thing. Now I just give myself a weekly cash allowance and it's really helped me stay on budget.
@thelifestylebybudgeting2 жыл бұрын
Cash budgeting for about a year & what I’ve noticed is as long as you want to keep trying that desire to learn then you’re doing great !
@ZoePritchard2 жыл бұрын
that's awesome!!
@kiwistars2 жыл бұрын
maybe like a home decor fund for candles blankets,cute fun non necessities... and then a sinking home fund for like light bulbs, hangers,dish soap, emergencies etc :)
@ZoePritchard2 жыл бұрын
GREAT IDEA!!!
@marynahoum Жыл бұрын
Rewatching this video cause I can’t wait for your next monthly money video 👀❤️
@belengauto38012 жыл бұрын
In my case I have reached peace of mind regarding December expenses.. I try to save as much as possible the rest of the year but I'm ok about spending more in December because actually I love buying presents for my loved ones. I enjoy it. So no regrets
@cookieLaLa942 жыл бұрын
I have a mini binder (I think it’s a5 size) that I use as my everyday spending cash envelope wallet and keep a larger a6 binder for my sinking funds at home
@Stephanie-ki5oz2 жыл бұрын
Thank you for addressing the questions from last month! Super helpful clarity!
@ZoePritchard2 жыл бұрын
Glad it was helpful!! ❤️💸
@filibusterfirework742 жыл бұрын
Love the change in background for the season and the silly doggo moments ❤
@MissCarreautee2 жыл бұрын
I know that your monthly bus/metro pass is a lot, but I really think it would still be cheaper than driving everywhere. When you drive more, you spend more on gas, on parking, but also you'll put more mileage on your car meaning more maintenance in the long run. You can always try it out for a month, but I think you'll find that public transport is also worth it in convenience given the fact that your job is downtown, it is probably much less stressful too.
@ForeverMish26 Жыл бұрын
A huge concern that I actually have when I think about cash budgeting is the possibility of someone breaking in or my wallet being misplaced or stolen. When I first heard of cash stuffing, I will admit I dismissed the idea completely because I was so concerned about the idea of that money being taken away from me. I suppose it is just a concern that at some point I looked at and thought... I guess I will just have to be mindful of where I keep and leave my valuables. However, I am curious to hear how you handle or address these kinds of concerns?
@Stephanie-ki5oz2 жыл бұрын
Seems like this system is working so well for you! It’s so fun to see !
@ZoePritchard2 жыл бұрын
Thank youuu! It's honestly been so fun for me too.. Especially when I went back and looked at the video from last year 😂
@Stephanie-ki5oz2 жыл бұрын
@@ZoePritchard lol I’d love a reaction video! 😂😂🤣
@sarahfitzpatrick57342 жыл бұрын
I've only been using cash envelopes for a year but my envelopes amounts and priorities have changed a lot over time x the system provides great clarity 😁
@ZoePritchard2 жыл бұрын
That's amazing!!
@poppycalliope2 жыл бұрын
Seeing you excited and feeling calm about your finances is just lovely! 😍I do believe that if a system works for you and helps you stay organized, your stress reduces significantly! I also got a candle from bath and body works as a Christmas gift for My sister, it's my 1st time ordering from them but I didn't buy one for myself...😅
@SarahhhhhET2 жыл бұрын
What are your thoughts about missing out on perks of using a credit card (I.e cash back, points) when doing the cash envelopes method?
@ZoePritchard2 жыл бұрын
i think the pros (big $$ savings) outweigh missing out on points for me. When you calculate the value of your points (often ~1% of your total spending) it’s actually a lot less than you think… at least for me it was! Every CC is different and I know that American cards have better perks 😇
@lauren82952 жыл бұрын
lol the orange turtleneck is giving Daphne
@ZoePritchard2 жыл бұрын
hahah I'll take it 😂
@vanessas83252 жыл бұрын
Omg Canadian money is so pretty 😍 loved the video 🤩
@ZoePritchard2 жыл бұрын
hehe yes our plastic money 🙈 i love it
@athena_barnes2 жыл бұрын
I definitely took advantage of the BBW candle sale too, no regrets 😅 You seem to be doing well with the cash envelopes, which is good!
@ZoePritchard2 жыл бұрын
Thank youu!! Love BBW on sale hahah $15 candles yes please 😍
@YourRav2 жыл бұрын
Here’s to being subscribed to your channel for a year!!!
@ZoePritchard2 жыл бұрын
ahhhhhh THANK YOU!! ❤️❤️💸
@LinzyLinz72 жыл бұрын
I'm feeling the smooth jazz 😎
@ZoePritchard2 жыл бұрын
hehehe me too it sets the mood so well 🙈
@RB-zm4fk2 жыл бұрын
You're cute! Being a female that 'occasionally' likes to spend, I know the struggles of budgeting 😅 My tactics for saving is paying extra for my bills, throw a chunk of my pay into my savings account which is in a different bank so I don't always look at it. I bulk shop & sometimes go to discount stores. Grow part of my veggies, I like organic so it helps me save so if I need to buy most of the time can buy organic. Cook mainly at home, really saves a lot. When I shop for pleasure, I mainly use afterpay, I can monitor my indulgence and I can actually regulate it (not overspend). Everyone is different and their circumstances. For me, I have a savings objective that is my driving force, it's got to be realistic with room for leeway as life does happen. I live in Australia so I understand expensive living costs 🙃
@ZoePritchard2 жыл бұрын
It sounds like you are living my dream: living in Australia, growing your veggies 😍 I hope one day I can have a garden and do that too! Love the idea of savings in another bank, I find that has been helpful for me too!
@cma96622 жыл бұрын
Really loving this component of your channel, as a new subbie !
@ZoePritchard2 жыл бұрын
yayy I'm so glad!!
@KotryJack2 жыл бұрын
Hi Zoe! Amazing video as always! I would like to know more about your thoughts/feelings regarding the amount of money that influencers get for brand deals. I do think that it's a well deserved income; however, the amounts seem super inflated. Like, an influencer can get 5k dollars for talking about a brand for a minute on a video, whereas someone like me, working at corporate, gets half that per month working 40+ hrs/week. I know the market is like that, but I would just like to know your insights as someone who kind of has both, regular job income, and influencer income. thank you :)
@ZoePritchard2 жыл бұрын
hiiii! this is a GREAT question 😇 I’m going to read this and talk about my thoughts in the Sunday chat for this week!
@vanessanora52732 жыл бұрын
Amazing video and thank you for breaking it down!! Despite the economic downturn, I'm so happy 😊I have been earning $ 60,000 returns from my $7,000 investment every 12days.
@martinrob68162 жыл бұрын
Wow! How's that possible please I'll appreciate your assistance on how to go about it.
@Noah-ts9dy2 жыл бұрын
That's awesome. I dealt with crypto last year on Robinhood, tried some index but didn't take it out so I lost it by the end. Any consistent strategies?
@amber99592 жыл бұрын
When I glance through your comments, I know you must be talking about Mrs Benito. It's been 3 months of steady crypto growth using her trading strategy.
@jeffreymcdonald42122 жыл бұрын
Trading with Benito's strategy is nothing new to me, I opened a trading at $5K, and I've been able to scale to $18K in two weeks
@karenbenson20562 жыл бұрын
I got Benito's recommendations in December 2021 and started following her lead and made $23,450 in a week. Lost my job in January 2022 and right now I'm back on top again and ready to go with her guidance.
@lesleyakers42672 жыл бұрын
I don’t use cash envelopes but that system makes me want to start!
@ZoePritchard2 жыл бұрын
It's pretty fun!!
@AlexisBii2 жыл бұрын
I wonder if maybe the cash envelope system has a slightly-too-high bar for amount of effort/thought required to keep it up? I like the idea of using only cash but it seems like a ton of work I'm ngl!
@ZoePritchard2 жыл бұрын
haha it is a lot of work! But I find it fun? Sort of like journaling about money... I do think the key is to do it instantly (spend, update) rather than wait to reconcile because that's where it gets overwhelming.
@belenlangdon2 жыл бұрын
Yessss! So excited to watch this video 🥰🥰
@ZoePritchard2 жыл бұрын
Yayy!! Hope you like it ❤💸
@Hannah.Beazley2 жыл бұрын
Instead of paying the "on credit" money back in each month, could you just withdraw less money next month and make the difference up with the cash you already have and then use what's in your account to pay the credit card? Then it's one less thing to remember each month!
@fitzpleasure35212 жыл бұрын
You look really beautiful in this red sweater! 😍
@sebfurtado21602 жыл бұрын
This vlog is money💪
@ZoePritchard2 жыл бұрын
hahaha thank you Seb!!
@amycolucci67692 жыл бұрын
You go girl❤
@ZoePritchard2 жыл бұрын
thank youuu ❤️💸❤️💸
@popyNcorny2 жыл бұрын
36:39 😂😂😂
@SH-ly1uy2 жыл бұрын
Like your outfit and your make-up
@YungConundrumForever2 жыл бұрын
Zoe, who roasting you in the comments? This is a safe space, and I we will fight them lmao jk(all love here❤) I freaking love you! Would love to have a live stream one day with maybe you interacting with everyone. We could do a Q&A or maybe a game? Think about it homie!
@LauraMSandu2 жыл бұрын
Very off topic but your skin looks amazing, you’re beautiful! Don’t forget that❤
@ZoePritchard2 жыл бұрын
🥺😭 thank you so much!! ❤️
@mrwonderful46162 жыл бұрын
Hey Zoe, what’s your longterm plans with your partner? Are you married yet? There are tremendous financial benefits to being married like income splitting, spousal rrsp, insurance, etc.
@ZoePritchard2 жыл бұрын
hiii! i hope to be married one day, but for now its too soon :)
@desi93baby2 жыл бұрын
Girl I have a whole baby and I always feel like I can’t save or that I’m overspending ! You’re being to hard on yourself. life is too short you should splurge here and there !! I use to stress all the time but now I’m learning to not cause girl it will just drive you crazy thinking about money all the time 😢😂
@AlexisBii2 жыл бұрын
I’m also learning that being too strict will drive you crazy!! And lowkey, I wasn’t even saving THAT much more when I was super strict 🫣
@ZoePritchard2 жыл бұрын
Thank you for the positivity!! You are honestly right.. I seem to have no middle ground though between keeping things under control while still enjoying / treating myself from time to time & full on shopaholic-ness 😂
@williamwarren94482 жыл бұрын
I started the cash envelope system at the beginning of 2022 - then I gave up - I restarted in October of 2022 and I have really really stuck with it - I was moving money around from category to category in the beginning but NOW I get it - SOOO I use my calendar of events (nail appt....drs appt...all planned out) and I get it - IT finally CLICKED - I am so excited to start 2023 with my envelopes and have NOW gotten a 26 week envelope for Christmas for next year - SOOO much better and I really feel like it makes a HUGE difference - glenda (praise GOD I have NO debt except for my car - even my home is paid for )
@ZoePritchard2 жыл бұрын
amazing!!!
@bont10592 жыл бұрын
!!
@renjinicpillai45152 жыл бұрын
Hai i am from india
@davidparnell46752 жыл бұрын
Hi zoe
@actuaryaltair62802 жыл бұрын
Love your videos and your personality but am I allowed to say that background music is too loud of unnecessary during explanations. I give a Like to all your videos.
@ZoePritchard2 жыл бұрын
thank youu!! of course you are allowed to say that, its good for me to know:)
@actuaryaltair62802 жыл бұрын
@@ZoePritchard aaah you are so kind, thank you. :)
@manalab16282 жыл бұрын
50/50 relationships are a scam if u calculated how much ur bf spends on necessities and upkeep it would be less but you're expected to pay for dates.
@ZoePritchard2 жыл бұрын
I know what you mean and to each their own... I did a whole video about how we split finances and he pays for dates way more often than I do tbh 🙈 But I still like to treat too because who's counting? That's how we do it
@maryclaire96562 жыл бұрын
I disagree. My partner and I split everything we do together. Do I spend more on my appearance and clothes, yes but that’s my choice. It’s not like he’ll divorce me if I skip my eyebrow appointments and let the uni brow grow in.
@ZoePritchard2 жыл бұрын
@@maryclaire9656 hahaha uni brow for life!! 💖
@AverysMoneyMoves2 жыл бұрын
Zoe I'm not sure if it's different in Canada vs the US, but have you considered adding a HelloFresh referral link to your videos (assuming people want to try it/use it)? I know of a youtuber who does that and is able to discount/get free some of her HelloFresh orders that way.
@ZoePritchard2 жыл бұрын
hahaha you might be a genius!! not sure why i never thought to do this 🙈