Hi Yasmine 👋 Here watching and listening while I work through projects 😊 What a great idea to plan based on where you want to be 😅 I have car insurance under bills, your budget is still very reasonable considering it’s not far from mine with two incomes and one is retired and my salary is only 70k year 19:19
Ahh thank you!! I have an office space now :) sharing with an Artist, just needed some separation and can also now get creative with making more space at home for a possible third bedroom! x
I love this idea 👌🏻 we all say I would love to do xyz if I had the money. I am going to do this so I know what my idea life would cost rather than wondering if I could ever afford it. Something to aim for. You can do this 🫶🏻
Hey, I love your videos so don't want to be a debbie downer, but between losing personal allowance allocation after £100k and NI contributions, to take home 8k post deductions would need to be closer to 160k net, without considering pension (I'm not sure if self employed is different compared to PAYE). The salary calculator has a good "Required Salary Calculator" resource though 😊
This is so interesting. I am 55 and our mortgage almost paid off; believe me we have been broke so many times. Is interesting to see how people budget. We are by no means rich but are doing ok. Xxxxx.
Yasmine, I do a job that’s only 1.5 hrs a day 3 days and 2hrs for 2 days. Cleaning offices in the morning. It helps bring in around £300 a month. It might be worth looking for something with very few hours just to top up your income every month.
aaand this is not the best and healthiest advice, but we used to make sourdough pizzas but it's still all on me and it CAN be cheap, but sometimes it's also about just getting a break from making 3 meals a day, right?... so, when money is tight lately, I've actually made a point of having a 'movie night and pizza', and honestly, I've got the kids the cheapest frozen pizza's in Asda and said they can have up to a £2 sweet allowance each for after... and once we're actually eating and sharing the pizza's and they require no effort, watching a film and cosying up on a Saturday night - it's started to become as rewarding as 'eating out', if not more... as now when we do go out, the cost just makes me ick lol. And the kids look forward to movie night within these 'rules' now, only one or twice a month... and not necessarily something I'd recommend (for health and parent-award reasons) but just being honest in this season haha xx
Early morning, coffee and YASMINE!! Perfect day to be going over my own budget with you! You're the most real, sweetest and wonderful lady. Wish we lived closer hahahaha. Thank you for cracking on and sharing your budget with us lovely xxx
I've been over budget the last few as i was off sick from work. I managed to somehow make it work, but trying to get back onto the budget train is hard!
Hiya :) thanks for watching! I suppose it could, but most of the time I do tent do order things in bulk and separately for that, so I do a big toilet paper order and buy cleaning products when they're on offer like buy 2 get one free xx
Hello! I've been recently following your budget journey so thank you for sharing, it's never going to be easy putting something quite personal like money (and debt) on a public platform but I'm sure you help a lot of folks put things into perspective, like being realistic about spending money, juggling the reality of having children who grow so quickly, etc. My husband is self employed and money is sometimes erratic so budgeting is hard! But his mental health and presence as a dad to our two kids has been totally worth it so you are absolutely justified in your decision to remain self employed as you are a full grown adult. I personally went back to work a year ago but only 3 hours per day which has helped us have a little stability with our finances. I can't think of anything in your budget that i personally consider a luxury except for the cleaner but i don't know your reasons for having one (my friend has recently been diagnosed with an anxiety disorder and gets huge relief from getting all her laundry done through a company which is like paying for therapy for her). Good luck with your budget for this month!
Thank you so much for taking time out of your day to write such a lovely and considerate message. Yes I totally get you, as a single mum, with very little support, I was close to breaking point with my full time job meaning I struggled to be at assemblies etc. It was at a time when the kids dad suddenly exited their lives, and so I felt it all the more important to be there -as you say, its not always simple money wise, but I'm just about making it work. regarding the cleaner, as you say, so many people benefit so much from that support, and yes I have ADHD and generalised Anxiety disorder and its such a battle as I can't operate when its messy but also freeze when I feel overwhelmed with the house work rather than being able to just get it done. Time is limited too, my cleaner has been a god send and with me for 11 years :) xx
Bless you for saying your gonna go and get extra work, but before squeezing what looks like an already tight budget I would use your savings, did you say you had money in a loft conversion fund? I would use that & pay for your little lads teeth & bills extra just to float instead of going into debt? Maybe pay your debt off with it too if it’s enough, especially as now you have your dream job you don’t want to go back, good luck what ever you do good for you xx🧡🤎🤍
Awe thanks lovely - well, the savings went already, I had 5 months with no income and had to use all my savings before I was entitled to UC (which i then claimed for 2 months) but I can't survive on UC as dont get the housing element so was only getting £850 so ended up back in debt... but, and I know my budget looks bleak, I am definitely starting to see things shift a little :) confident it'll work out xx
I’m over budget too this month so also looking for ways to bring in extra income. Really looking forward to seeing what you do in your weekly videos. We can do this! x
Ah you got this! I’m going to do as much as I can on Vinted, and apply for marker research and mystery shopping. Are you in the UK? I’ve had success with Podengo and Make Research Pay if you’re looking to pick up some extra pounds 🫶🏻 we got this xxx
If you are struggling financially due to monthly income, would it benefit you and your family to go back to working for someone besides yourself? When you are responsible for others sometimes you have to do what is right for the family instead of following your dreams at least for the near future.
Have you thought about discontinuing the house cleaner and you and your kids taking care of that? That money could and should go towards your health insurance which is much more important.
Yes absolutely. It’s something I battle with a lot more when I see how much of a big expense it is. I did drop town to once every two weeks but it definitely made me more stressed. It’s tricky as I never have time off from the kids so it seems to never be a good time to get stuff done in the house 😵💫 when they’re at school is when I work. But it’s definitely something I’m considering. I think anyone with adhd will tell you how hard it is to keep on top of the housework with adhd 😵💫 I wish it wasn’t x
Awe thank you so much! 🥰 really want to make more videos around the wider concept of why I started budgeting - so I’m super glad to hear you enjoyed it xx
You look great. Glad you had a wonderful vacation. I went on vacation in September and didn’t purchase one new stitch of clothing because none of those people had ever met me before and didn’t know my clothing was not new. Something for you to think about, when you go away on holiday people will not know if your clothing you took with you is new or not.
Absolutely! I think I still (despite trying hard to work on this!) feel like I need to look a certain way in my job (pics for instagram) I’m determined to work on my self esteem more so that in the future I’ll care a lot less, and as a consequence, spend a lot less too!! 🙂 thank you - such a good point x
I remember when things used to be that cheap. Unless it's a weekly budget then it would be a little closer to what I've got going on here in the states. Rent is the biggest expense. Then utilities, food, gas. In that order
Hi , i have just watched your video and I’m surprised at the comments. I think that you buying in bulk will be a saving , of course if you are buying lots of an item at once , it will appear dearer however the fact that it’s in the cupboards and you are not going to have to waste petrol , time and money to go get these bits Will save you so much. The peace of mind that you have stocks of food and household bits is also massive ! Simply not going to the shop also saves money as there is nothing spent getting things just because we see them in the supermarket.the less times we have to go the shops , the less chance of that. Yes , i go to Costco every month 😂😂😂 however not everything is purchased every month, we do get toilet roll, kitchen roll, coffee, cereal, tins, bin liners etc but as and when we are running low, so some months the item is only purchased on the 3rd month for example. Some things are defo worth it. You are not daft, you are a very smart person and seem like a lovely mum. I hope you found the Costco trip was worthwhile for you ( now that time has passed) ❤😊
Yes!! I still have lots of what I bought left! I have the bin liners, the food waste bags, doggy poop bags all still going strong 😂 the kids being able to grab snacks all summer was ideal too, I reckon I definitely saved money, the only down side was the kids got bored of eating the same snacks all the time 🤣🤣🤣
Do you put your binders in a safe? That's my main worry with cash stuffing that the binders will get stolen. I'd worry with having that much cash at home.
Yes they’re in a lock up, but I also use the place holders when they get too full. My thinking is as long as the cash is less than the value of my laptop in probably ok. I do also live in a very safe location, mid terraced housing with no access to the back and a busy front street with lots of neighbours who like to keep an eye 😂
Thank you 🥰 that’s amazing re your Christmas shopping! I’ve not started yet, but trying to be super intentional again and just don’t know what kids actually want 🤣
Lynn here on Hubby's phone mines playing up 😏, Hiya 😊, Can you tell me , how much is it per hour to have a cleaner ? We've been thinking about getting one to come and help , It maybe that it will be more expensive where you are if your in London , were in Yorkshire, Thank you for sharing Take Care Love x 🤗
Hey Lynn, thanks for your message 😁 my cleaner is £15ph and I think that’s the standard going rate in London where I am - thank you for your lovely message I hope you’re doing ok xxx
Very thorough overview. Thank you for being honest about cc use issues, so important that others don't feel alone with having problems in that area. Please do not listen to the naysayers in comment section. You are a busy lady, balancing your life and priorities the best you can. The vast majority of us understand and will be watching when you post, and hoping the best for you at all times. 14:39
