How I Budget For A New Month: cash budget, saving & investing, & what I spent | Monthly Money Reset

what do you guys think of this new format?! 💚💸

zoe! I'm sure you mention this in a different video, but what are your favorite money books?

❤glad your putting away for your Retirement account!!!

I really enjoyed your video so much! thank you for sharing your financial tips. Are there more tips to be thrifted(? sorry my english is not perfect😅)?

You're doing a great job opening more discussions around money and improving your money habits!

I still don't understand how to get my 1 month ahead. if someone can explain

Only one life twill soon be past, only What's done For Christ will last. All else is meaningless. Ecclesiastes

I really enjoyed your video ❤

this was suchhh a good video! I really enjoyed the reflecting part of the video, keep up the great work ♡

Does she always take these envelope with Herself,.😮

Hi Zoe! Would love to see a video covering all the different accounts you have across different institutions 🥰

in regards to your credit card bills, you can possibly call your credit card company and ask what can be done about lowering your APR, sometimes they can do that for you so its not at 25% especially if youve got a good FICO score and a great track record of paying off your credit card o:

I do month ahead for fixed expenses as well & it's a game changer!! I see too many people have to use an entire paycheck + for rent and are just broke for the rest of the month.

Hi I’m a New subscriber! ❤️ Love this video. So relatable! I’m not sure if you’ve said this before, but what is your degree in?

Sorry, new here. I am confused why rent wasnt in the budget

So tell me again why you use this method? Wouldn't it be easier to use a debit card and track your money that way?

Just found your channel 😀 So nice to see financial content from a fellow Montrealer. New Subbie here 😊

I think jealousy is a natural part of our human psyche. And it's healthy to acknowledge these feelings to ourselves and not denying it. Great content!

‘There’s so much to life than money’❤

I tend to only compare myself to my previous self. Im not really fussed if people are "ahead" of me as long as i am improving.

bruhhh, loved this video smmm!!!! you have yourself a new sub!

Thank you soooo much for your vulnerability to share these numbers with us!!!! (I hope this doesn’t come off the wrong way but) I’ve been budgeting for a while and trying to build up an emergency fund and always wondering if the number I had was “enough”, so seeing that I have a similar amount to you just made me so relieved bc I really admire you! And I think it’s really brave of you to publicly share your finances like this online so thank you thank you thank you! ❤

My lack of experience managing my own money made me too anxious and careless about it. Watching this type of videos really teach me a lot.

Also, about comparison, I can relate. Unfortunately, seeing people everywhere living a luxurious lifestyle (specially on social media) impact so much. My anxiety over money has always been about how can I live up to unclear and delusional dreams of mine, when those dreams itself are products of other people's lifestyle and what they show, not what I really want.

Anyway, loved the video! Keep up with your amazing work ❤

I never done the cash envelop method. I wonder if it's too late into the budgeting process or should one do it and what are the benefits?

Im starting over new to help me pay off my debt. since i dont want to spent money on pretty covers and sheets i am now crafting some to encourage my "aww its PWETTY" part of the brain to actually helping me out here :D

I'm a 20 year old guy who is saving up to finance a 3 year old truck, about to move out my parents place once I get the truck in a few months. Iv got a full time job as a carpenter and a part time job in the army, once I get the truck I gotta figure out how to start my own lawn maintenance business. Between a full time career, a part time job in the army, about to finance a vehicle, about to move out (meaning new bills and expenses)... my life has been a little bit stressful lol, but this video has been so incredibly helpful by educating me on how to create a budget that applies to a weekly, monthly, and yearly breakdown. Thank you for making this video, I feel a lot more confident in my ability to make all the things going on in my life work!

Great video - thanks for sharing! Any tips for budgeting and a joint account?

Hi Zoe
Just started watching your channel, but I can’t wait to see your journey!
I’m also on my own journey as well seeing my parents, struggle with debt and not knowing how to manage finances I want to do better in my life and not have to live paycheck to paycheck ,While still enjoying the finer things in life
And I think being mindful about our spending is important because it’s largely connected to our mindset and emotions.
Once I realize that I haven’t looked at money the same
❤❤❤❤ can’t wait to see more of your Content.

Hi Zoe! Thank you so much for this video. How do you factor in rent or mortgage? Or how does the cash envelope system factor in when your bills are greater than your current income?

Thank you, for being so transparent with us. 😊

Good stuff. Thanks for sharing!

Stocks and Bonds making a big Buisness or something to for Close.

I'm so stressed out when it comes to money. Thank you for this great ideas❤

hello i live in south africa but i know montreal once stayed there near eaton mall

You Really Need All Those Graphs ? Or You Just Love Crayons 🖍️

You said you make 1% on a savings account? So many offering 4-5% (ie. Marcus by Goldman)

the dog is such as great listener

Thank you for the video Zoe!
Montreal represent!!! <3

Thanks for increasing my knowledge in personal finance and investment, I recently subscribed to your channel. I want to give a big shout-out to all those working tirelessly to earn a living and build wealth during this recession. My husband and I are both retired and debt-free, and we're living smart and frugal with our money. Despite the recession, we're still earning passive income thanks to our savings and investments in the financial market. Investing lifestyle has enabled us to earn a steady monthly income through passive means, and we're grateful for it."

It’s how the dog 🐶 is looking at her coffee for me 😅

I am so thankful for your video .. I was too thinking about about money wise.I live in NYC I make enough money as caregiver around 80 k. But then when I compare with my friends who make more then 100k I let I am not enough .I always think I am so grateful I am so happy being as caregiver love my job I saved around 2k every month no debt . Thank you so much for this video it really feels good we are in same boat .never enough but I am glad I am happy and I love kids

With the exception of cash envelopes, it truly feels like I’m watching myself budget. So relatable and realistic. I do most of the same things when I budget and it is so freeing.

I don’t even keep the app for my savings account on my phone. I like to set it and forget and let it be out of site so it’s out of mine. Such a great surprise when I check around Christmas and I allow myself to buy one thing to treat myself. I brought a iPad Air last year, a Ruby ring the year before and before that I took myself out to a fancy restaurant!

Love love this method. Please tell me you’re actually making more than 1% on your taxes savings account though 😢 cash gets you over 4% now in high yield accounts! ❤

Use a high yield savings if you want, I use ally, it’s 4% right now. I think the apple savings account is 5%

Don’t they say comparison is the thief of joy? In any case I totally struggle with that too, especially when our family was living in a very high cost of living city, going to my kids friends houses while we were renting an apartment, etc - it is so hard!

Would you keep the budget wheel the same at $5000 , pluse

When summer begins I always get a bit of fomo, especially if I'm focusing on finances a bit more. You're not alone.

Be content with what you have. That's the Christian way. It's OK to work for more, but stay content if more doesn't come. When you are content, more usually comes to you on its own.