HOW I MANAGE MY MONEY 💸 budgetting, savings, debts, credit cards, investments & more

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Carter Sullivan
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Опубликовано:

30 янв 2023

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Комментарии : 107

@alohabyamanda Год назад

love your budget videos!! so helpful thank you for sharing 👏🏽👏🏽

@SamandEm Год назад

So excited for this. I love hearing about others money journeys and different budget takes. We all do it so different and taking little parts from different people is what I’ve found has worked best for us!

@CarterSullivan Год назад

♥️♥️♥️

@michellesobiech8463 Год назад

This is seriously so helpful! I'm loving the spreadsheet from Etsy and learning more & more using it over time. THANK YOU for helping provide the information on budgeting your business expenses. As an independent contractor it really helps with management and inspiration!

@CarterSullivan Год назад

You are so welcome!♥️

@the.ellemars Год назад

This was actually super helpful. I sometimes feel embarrassed that I don’t know anything and don’t have a burning interest in it either, but definitely want to be more proactive. This is giving me somewhere to begin. Thank you!

@joeyparra3937 11 месяцев назад

Love the transparency. Great content ❤️💯🙌🏾

@CarterSullivan 11 месяцев назад

Thank you 🙌

@leahmary1 Год назад

I just rewatched your last one of these! Excited for an update :)

@graceannreads Год назад

This video is a great reminder to get your financial advice from certified professionals! I’m a CPA and it’s so annoying when people take some crypto bros advice over mine that I studied very hard for. Love watching your money videos ❤️

@hannahstebs Год назад

I love this! Also just want to throw out there for anyone newer to credit cards that it’s a good idea generally to keep your older cards open unless you have other long standing credit history, because your length of credit can impact your credit score quite a bit.

@CarterSullivan Год назад

Yep I said that in this video that I keep my oldest credit card open🤭

@emilyencapsulated9540 Год назад

I made this mistake recently. I closed my student "starter" credit card and upgraded to my Chase card....and my near-perfect credit score plummeted. BUT it's still technically good--just not as good 😂 I'm building it back up, though. I lost the benefit of having a good 3 year history, but now I have a much higher credit limit and lower utilization. So you win some, you lose some.

@sarieshakti1448 Год назад

Great video ❤ Giving me ideas! I use that budget spreadsheet as well and it has been such a game changer.

@CarterSullivan Год назад

Yay so glad it was helpful!

@realtrenchbaby12 9 месяцев назад

I love it, thank you so much

@taysoo___ Год назад

omg!! thank you for this help!! really need this how to manage money!! this helped me a lot! 💕✨

@CarterSullivan Год назад

Yay!!! ♥️

@RosalynGlass Год назад

I love these finance videos!! It’s so needed for young people to be more open about finances and share their knowledge with others! 🎉 Where do you get your budget template from? 😊

@CarterSullivan Год назад

Its linked in the video description, I bought it off Etsy!

@RosalynGlass Год назад

@@CarterSullivan thanks!! :) will check it out!

@DebtFreeJessie Год назад

I love this platform because it gives people a chance to learn/get ideas from others for budgeting and managing money. New sub.

@CarterSullivan Год назад

I totally agree! That is one of my favourite things about RU-vid!!

@operativealyssa Год назад

Been wanting you to post an updated version of your 'how I manage my money' video and you really did. That's a win for me. Hehe. :D Can you post your financial regrets or money things you wish you knew in your early 20s? Just a video suggestion.

@CarterSullivan Год назад

Ou great idea!

@BPrincess Год назад

Notification ganggg 🎉

@mansoor3159 Год назад

Love this video Carter!!❤️💫☺️

@CarterSullivan Год назад

Thank you!!

@rosannastewart3174 Год назад

I love how you get something for Stella for Valentine’s Day ❤️ I can totally relate.

@CarterSullivan Год назад

My love language is gifts even if she doesn't understand it 😂

@amyworley6221 Год назад

Omg all your videos are great but this one… I can’t wait

@CarterSullivan Год назад

This made my day!! ♥️

@xL0V4BL3 Год назад

I feel like we've all been waiting for this video!! SO excited, got my drink and a slice of pizza with me watching this!

@CarterSullivan Год назад

WOOHOOO ♥️🍕

@Nettingyournetworth Год назад

Love these!!

@CarterSullivan Год назад

Yay so glad! ♥️

@Courtney-Alice-Gargani Год назад

Anyone can budget on paper but following through is the most important thing. Also, a person should learn how to improve the next year to budget better.

@CarterSullivan Год назад

It's so true! Anyone can make a budget, it's sticking to it that requires effort & dedication!

@edwardleecaliforniausa Год назад

Hi Carter good morning happy Wednesday morning and I hope you having amazing day today and I loved your vlogs and you are amazing Supporter and I'm proud of you

@Itsmargaret8 Год назад

Hi! The template info says it isnt compatible with excel but how come urs is on excel? how do i get mine to do that? Also, ur a lifesaver ty for all of ur helpful vids!!!:)

@CarterSullivan Год назад

I'm not using Excel in this video, it's Google Sheets!

@lanessiacarrington8283 Год назад

Timing when to open a new CC is genius 👌🏾. I'll have try that instead of just randomly. I usually try to just request limit increases when I get the urge to apply for a new card. 🤭

@CarterSullivan Год назад

Yes it is! Typically Matt and I map our year (and what we hope to do) and then time our credit cards around them. So last year I opened a new card when I had to pay tuition and also for renos! I've also heard people say open a credit card before planning a wedding/elopement which is smart!

@lanessiacarrington8283 Год назад

@@CarterSullivan oooo. Vow renewal will coming up and I have to start planning So i will definitely be doing this

@cuukie4746 Год назад

can you teach us how you do your excel sheet please! that’ll be fun.

@meganmarievd 3 месяца назад

Do you have videos of when you went to school? I just started my bachelors degree in behavioral health this week.

@CarterSullivan 3 месяца назад

Yep! But it was like 5-7 years ago lol so not great quality- I should go back and private them honestly 😂

@alliejadeXO Год назад

I love this video!

@CarterSullivan Год назад

YAY!

@ttpal Год назад

Overall, what do you value more, paying off debt or saving? I know you've touched on this. For example, I just had a $1000 unexpected car repair, and I'm trying to build my savings. Do I sacrifice my savings and pay it all off or pay in increments and still save? Curious on your opinion!

@CarterSullivan Год назад

As I've mentioned I don't feel very comfortable giving financial advice because everyone's situation is different! There's alot of factors like how much you have in savings etc.

@berthandiba7695 Год назад

Hello Carter, Thanks for sharing your financial journey with us. Do you put all the required data in the transaction tracker at the bottom of the template? I know you mentioned you don't track every dollar anymore. I find it time consuming to list Income, debt, investment, and expenses in the tracker. Thanks

@CarterSullivan Год назад

I do track every expense still! It keeps me accountable for my spending and I find it therapeutic to fill in!

@berthandiba7695 Год назад

@@CarterSullivan thanks a lot for responding!! It makes sense

@StephanieStoven Год назад

I loved "I will teach you how to be rich" .. definitely changed how I budget and save my money

@CarterSullivan Год назад

BEST finance book!!

@MathildeG Год назад

This is really helpful 😊. I never wanted a joint account with my partner but unfortunately for immigration purposes, since my husband is sponsoring me to become a Canadian PR, we kind of had to make one. But it’s okay we make it work😊 I also have my own separate account

@CarterSullivan Год назад

That makes sense! Every circumstance is different

@zabmcauley5647 Год назад

RRSP reduces tax you pay now, but you will be taxed on all withdrawals based on your income at the time. RRSPs have to be converted to RRIF(registered retirement income funds) by the year you turn 71 I believe. They force you to take a percentage out, and you can take more if you want. If you don't have a pension and have high income now it's pretty good. I prefer to max out my TFSA for tax free withdrawal and not be forced to take it out with tax.

@CarterSullivan Год назад

Great advice!

@JCTheLawnCareGuy 5 месяцев назад

Just curious. What do you do IF you and your BF break up? What do you do with the house?

@CarterSullivan 5 месяцев назад

We'll we're engaged/getting married so not really concerned about that 😅 But those conversations are still important to have!

@Roxabrian 11 месяцев назад

Hi! Where can I find the spreadsheet😧🤒?

@CarterSullivan 11 месяцев назад

Its linked right in the video description!

@torischerle Год назад

I love Neo, I use it when the business is on Neo, if not I use my cash back visa

@CarterSullivan Год назад

Yes same!!! Thats my rule of thumb basically😂

@Rose-uu6pf Год назад

Loved this video Carter! Could you please provide this template for the excel sheet if possible ?

@CarterSullivan Год назад

Its always linked in the description!

@MathildeG Год назад

A word of caution about credit cards, if you overpay your credit card bill on accident, on a credit card that isn’t directly part of your bank, it can take months to get that money back 😅 and it’s a lot of back and forth with the bank and your credit card, it’s happening to my husband (and it’s not a small amount 😅), So just be mentally present when paying your credit card 😅

@CarterSullivan Год назад

Good to know! I overpay mine all the time honestly and it just carries over into the negatives!

@MathildeG Год назад

@@CarterSullivan the problem is this was a lot of money 😅 and an accident, we thought it was a fraud at was It turns out it wasn’t but he overpaid when he wasn’t paying attention, it was more than his credit card limit Anyway it’s a mess because they blocked his credit card for a month so he can’t even use that money rn Just wanted to let people know to be aware

@Ilovetosmile2023 Год назад

I’ve notice how you are comfortable now talking about what are not to do’s based on your experience. I hope you can create a video where you watch yourself creating the first video you upload vs the new video that shows how very confident you are now talking to the camera 🙂

@pruettsophie Год назад

Could you please provide the link for your spreadsheet for us to use?!

@CarterSullivan Год назад

Its not my spreadsheet, just one I bought and love but its linked in the video description!

@pruettsophie Год назад

@@CarterSullivan oh my bad thank you!! Love to you and Stella 💞

@jacquelinekrimmel351 Год назад

My husband and I split expenses as well and have separate bank accounts.

@CarterSullivan Год назад

That is awesome!

@filippersson5256 Год назад

That hair looks amazing❗had to put you on full screen..

@CarterSullivan Год назад

😊 thank you

@filippersson5256 Год назад

@@CarterSullivan it is also interesting how you lean so heavy on budgetting.. I admire the care that you show yourself in that💙👆🏻inspiring !

@ashleighhubbard Год назад

So jealous of that 1.8% rate for your mortgage!

@CarterSullivan Год назад

There are pros and cons to it- yes we have a lower interest rate but we bought our house in a peak time so it cost us more than it would now BUT now interest rates are higher! I'm definitely glad we bought when we did for the interest rate though- curious to see what it will be when it's time to renew in 4 years!

@donnoe1933 Год назад

I think the saying you were referencing was “if it ain’t broke, don’t fix it” lol.

@CarterSullivan Год назад

Yes haha that's what I meant

@joanstump285 Год назад

Doesn't closing it affect your credit.

@CarterSullivan Год назад

I talked about this in the video, it may have dropped my score 1-3 points but it always bounces back!

@Rebe650 Год назад

I also switched from “Budgets 2022” to my “2023 Rich Girl Sheet” to give me better vibes hahaha

@CarterSullivan Год назад

Omfg I love that energy!!!!!

@lanessiacarrington8283 Год назад

I love Ramits book!

@CarterSullivan Год назад

The best!!!! One of the only books that truly promotes a health mindset with money IMO!

@lanessiacarrington8283 Год назад

@@CarterSullivan agreed!

@georginaCsweeting Год назад

Chapters on the video would be really useful :)

@nosirrahm Год назад

Just a small critique- watch your uptalking. Us hearing sensitive folks are hypersensitive to these patterns. FYI: you do have a zero based budget. It’s just assigned to broader categories versus more granular.

@CarterSullivan Год назад

Thank you for this- I'm not too sure what uptalking means but I'll look into it ♥️

@nosirrahm Год назад

No problem. I didn’t want to offend, but I wanted to let you know. Reducing the uptalk will also help you sound sure of what you are saying. Hopefully, my Calmer earbuds that I bought help when I get them.

@JCU84 Год назад

I’ve always hear closing CCs was bad. Maybe it’s different in Canada

@CarterSullivan Год назад

Like I said I'm not a financial professional I can only speak from experience but I keep my oldest credit card open! Other than that I open/close 2 cards a year and it hasn't affected my score more than 1-2 points and it quickly goes back up!

@katiekaboom7747 Год назад

If it ain't broke, don't fix it! 😝

@CarterSullivan Год назад

YES THATS IT

@Lyndsay_bee Год назад

PayPal has a great high yield savings account if anyone reading comments is looking for one. I think the rate is currently at 3.78% (not sure if it’s the same in Canada) 😊

@CarterSullivan Год назад

I'll have to look into this and see if it's available in Canada!