HOW TO BUDGET YOUR MONEY AS A MUM 2024: My Exact Budget + Financial Goals on Maternity Leave UK 

Can we have more finance content maybe one a month of how your sticking to your budget or what you have spent in the month I absolutely love these videos from you ❤

This woman is 25 and has absolutely her sh… together! 😂❤️❤️❤️ I am 35 and I go with the flow financially 😅 Shan teach us!! 😊

Lovely video, as a grandmother creating wealth entails establishing positive routines, such as consistently setting aside funds at regular intervals for sound investments. Financial management is a vital subject that many avoid, often leading to future regrets.

I love this video Shan. I bought your budget tracker from Etsy a few years ago and this is my reminder to use it for 2024. Honestly I would love a budget check in video every month Shan. Thanks for being so transparent and good on you for your wise planning and goal setting. Wish you guys all the best for 2024.

Happy new year!!! Please continue the budgeting content every month pleaseee

I apreciate these videos every year so much!! Your honesty and realism are so helpful in a sea of content that pushes an unobtainable lifestyle. ❤

Thanks for the honesty and sharing what has worked for you! Appreciated these over the years thanks!!

Really enjoyed this video, don’t usually comment on YT videos but I feel inspired to get my act together! Just about to restart work after a year on maternity ( finances were chaotic as I didn’t plan!) and this has made me want to get my finances in order. Won’t have the same to play with but knowing what you’ve got will definitely help ease the stress of surprises or things I forgot about. Thanks Shan 😅

Love your finance vids, I've just downloaded your spreadsheet! Ive always used just pen and paper but think this will help. Would love a video on some side hustles. After bills monthly we don't have much to save x

👏 thanks so much for this. How I wish I was this money savvy now , never mind when I was 25! Really, really helpful and inspiring. Your family have the best future ahead with such a sensible yet ambitious mama! Happy New Year to you all.

I don’t normally comment but have to say how much I enjoy your videos and your financial insights are so inspiring. Thank you for your transparency. It’s really exciting to see the potential income of RU-vid and Instagram with a following of your size. I would love to see more sit down videos with practical life advice and insights into running your own business. Child costs; tax relief, child care. Making the most of Mat leave, SMP, KIT days, carried over AL. Pensions, ISAs. All the sh*t you don’t get taught and are expected to just know 😂 Love supporting your channel and letting the ads play in full Happy new year!

Love HyperJar so much and I’ve been able to link my Apple Pay to it so birthdays and car etc comes straight out of. A video on navigating 30 free hours for childcare would be so helpful, we’re going to be doing it come March and already get the 20% tax free childcare but my mind is 🤯 by also sorting this! Happy new year to you and your family Shan 🎉❤ thank you for the videos and inspiration xx

Loved this video! Great goals

Hearing about Hyperjar from one of your videos two years ago has changed my life. Thank you for being so open, it's a rarity.

A video on how to use Hyperjar would be great! Pros and cons, benefits, more in depth how you use it etc. ☺️

Really enjoy your content, and completely sympathise with over paying mortgage. I’ve looked to do the same for a couple of years. After a few months this of overpaying I didnt understand why my monthly interest didn’t come down, it was because they only recalculated when they received a single overpayment of £1000 or more. It’s worth checking your loan terms and managing your payments accordingly

First time viewer and really enjoyed this video. Wish I’d have been as savvy as you at your age!! 😊

Love this video! I have a super small budget as I'm also on maternity at the moment but this is still so motivating for me.. I'm going to make a spreadsheet later and actually work out my budgets. Thank you!

I’m due my second child in march. My two babies will be 19 months apart. I’m glad I came across your page today ❤❤

Hey Shan! New subbie from the UK! Look forward to following along xx

So glad youre still doing finance videos as i feel like you got some negative feedback before (just because you earned more rhan a lot of others). But know they are soooo helpful

Love watching these. Be careful on budgeting on George’s childcare after jan we thought we were saving loads but still pay £350’for three days a week in nursery. Ours is a cheaper one too. We thought ours would be £140 per month (that’s 3x per week 9-3!) it’s still £350 as you have to pay for meals! I can’t wait till he starts school and we get that money back xx

I loved hyperjar until they’ve started charging for transfers :( I used to put money back and forth for various things and now it’s just not worth it for me 😭 absolutely gutted! Thank you so much for your videos, love the financial/budgeting content! X

Love Love Love this video Shan :) I bought your budget tracker 2 years ago and I love it! Thank you for sharing your long term financial goals, I definitely want to start over paying my mortgage this would be amazing. You have definitely inspired me to put this into action. Also with regards to investing in a property would this be for your pension or to benefit your children? :) I hope you have a fabulous new year and I look forward to seeing how you financial goals unravel :) xxx

Just had to say your excitement about the childcare and when you said ‘mate if you’d told me 2 years ago’ made me cackle. Fellow mum also buzzing for the free hours over here 😂😂😂 xxx

As a working mum of two, this is one of the best RU-vid videos I have ever seen!! I have a 4 year old who also gets the 30 hours funding but we pay around £100 each a month for her but also have an 18 month old who isn’t quite eligible for the new 15 hours funding yet…So her nursery bill is crazy amounts until sept/ 2025 I love how you say you don’t want fancy things, you just want to enjoy days out with your kids without worrying about money and be sensible at the same time with paying your mortgage. Thank you so much for this video 💗 I will be downloading your spreadsheet and the hyperjar app immediately. Xx

New Subscriber here. I just found your channel. It is great to be here supporting another budgeter. Great video.

Shan thank you so much for being transparent and realistic - I'm sticking to very similar budget outgoings, nothing crazy, and it's just crazy how much 'normal' life costs these days (normal meaning not being stressed about bills and food shoppings). Fingers crossed for you this year!

Hapoy new year to you and your beautiful family. Overpayment on morgage is a great idea if gou have money to do it. Just payed off our mortgage in December. Bought a house in 2010 on 25 years morgage. It showes that its really wort it. ❤

Our flat ‘investment property’ brings in approx £600 profit a month which is good and that on the lower rent we ask for. It was our first place which we just didn’t sell. I think we’ll do the same once we’ve finished renovating our house. Although stamp duty is a b**ch. We’ve put some savings into a fixed bond which will return £2,500 profit and then we’ll pay a chunk of the house mortgage off. It’s shocking how much it saves in interest alone. Have you look at the fixed bonds recently they’re really good! I need to do this and write everything down. I’ve got hyper jar which I love but I’ve been meaning to sit down for years and do it all properly like this. Will be downloading your Etsy product 🙏🏼

Here she is😍! Feel like you really shine in these financial videos. Absolutely loved this! Would love to see more! So empowering seeing a female/ mama smashing her financial goals and absolutely shining in this area👏🏼👏🏼👏🏼

Plum is also great for different pots and pockets, and different to a lot of other apps like this you actually earn interest on all of your pots, for snyone looking to do this! 😊

Love this Shan ❤ just wondered about your mobile phone? X

Shan, only a question - are you planning to do any KIT (keeping in touch) days? Some companies pay for KIT day as full day regardless the hours you work, I am not sure how this is in civil service. I've curtailed my maternity leave and went on shared parental leave, as SPL offers more KIT days for both parents than staying on maternity leave only. It's just a question as for some parents it may be beneficial to plan for KIT days when SMP finishes.

Thanks for sharing! I LOVE budgetting videos. Would love to see monthly ones from you. Do you contribute to a private pension when you are on maternity leave to make up for the lost contributions through a salary?

Love this video! Do I need to have excel downloaded on my laptop to be able to use the spreadsheet? Or is it usable without? 💛

SMP will be £178 and around 700-850 depending on how many weeks are in the month darl - love these videos! Very motivating xx

Out of curiosity? How does the stat mat pay work with still getting income from content creation? I'm sure I saw another youtuber who said she wasn't entitled to maternity pay as she had income from her creator business?

Question, feel free to not Answer, but how come you spilt bills 50/50, do you both make the same amount? Do you put your income into one account and everything comes out of that? Or do you have individual accounts too?

Excellent video. Do you not have a phone bill or any TV subscriptions or streaming costs? your internet is also really cheap. A large part of my budget is Sky TV/Internet/Mobile so would like to know how to get that price down.

I feel like you really shine in these videos and would love to see more financial content from you in 2024! I am on maternity leave too, my SMP comes to £689.92 if that’s any help for you! Xx

Can i ask how your internet bill is so low? Who are you with? Thanks really looking to reduce our astronomical bill!

I love these budgeting videos you put out & they really motivate me! Stat pay really confuses me. I know its 172.48 a week but no matter how much I google, I cant find out if that's after tax/NI?! If it's before then the monthly payment would be more 300-400 a month 😭 I go onto stat in March

Love this video , just wondering if u forgot to add childcare for halle after September? I will be in a similar situation come September and was just curious 😊 x

with the app with the money pots, is your actual money in that app or is it just a visual representation of where the money is divided then you’ve just got a chunk in savings??x

How do you work out how many years your mortgage would reduce by when overpaying X amount a month?

Love these type of videos! Won’t your childcare bills go up once you go back to work though? X

Do you not have a pet insurance expense? Ours has gone up so much recently 😒 x

Nice

curious to know, if your business account is earning over £100k pa but you do not choose to pay yourself this wage, you will still be entitled to the tax free childcare?

You’ve really got your ish together for a 25 year old! 😂 👏🏽 Btw since you split all joint costs 50/50 with your husband do you earn roughly the same amount?

£56 for childcare is amazing , we pay £86 and its lokely to go up 😮

As someone who normally loves your videos, I feel really sad watching this. I’m ashamed to admit a huge part is jealously. Shan when we’ve taken our outgoings (I work in the NHS & my husband works in a factory and we have a 1yr old) we have £125 left for the month (not including if we want to eat out or treat ourselves or buy lunch out at work). So budgeting for me is not possible, I have NOTHING left to save! Nothing! I’m glad there are family’s like you who have a nice home, brand new kitchen, savings for this that and the other. But sadly I don’t :(

💗💗💗 What job do you do hun? Xxx

HJ is free but now they are charging for you to send/receive money to and from a bank account after 4 free transactions

Our mortgage rate was 1.29 now it's the same as yours 🙈😩 so much more!!

Hi! Thanks for the great video. Do you not have a mobile phone contract? Thanks

Do you earn similar to your partner? I am not familiar with having separate money, my husband earns 12x what I earn but we just have a joint account for all our money.

How much are you budgeting for vaping shan???

Am get my own house years time would if you could help me

Id love to know how you make that income from youtube and instagram? I dont know how its possible but id love to have side income!!

What is your day job when you do it? ❤

Is that swimming lessons? I thought swimming lessons were from age 4 x

Tax his land, Tax his bed, Tax the table At which he's fed. Tax his work, Tax his pay, He works for peanuts Anyway! Tax his cow, Tax his goat, Tax his pants, Tax his coat. Tax his tobacco, Tax his drink, Tax him if he Tries to think. Tax his car, Tax his gas, Find other ways To tax his ass. Tax all he has Then let him know That you won't be done Till he has no dough. When he screams and hollers; Then tax him some more, Tax him till He's good and sore. Then tax his coffin, Tax his grave, Tax the sod in Which he's laid. When he's gone, Do not relax, It's time to apply The inheritance tax. Accounts Receivable Tax Airline surcharge tax Airline Fuel Tax Airport Maintenance Tax Building Permit Tax Cigarette Tax Cooking Tax Corporate Income Tax Goods and Services Tax (GST) Death Tax Driving Permit Tax Environmental Tax (Fee) Excise Taxes Income Tax Fishing License Tax Food License Tax Petrol Tax (too much per litre) Gross Receipts Tax Health Tax Heating Tax Inheritance Tax Interest Tax Lighting Tax Liquor Tax Luxury Taxes Marriage License Tax Medicare Tax Mortgage Tax Pension Tax Personal Income Tax Property Tax Poverty Tax Prescription Drug Tax Real Estate Tax Recreational Vehicle Tax Retail Sales Tax Service Charge Tax School Tax Telephone Tax Value Added Tax Vehicle License Registration Tax Vehicle Sales Tax Water Tax Workers Compensation Tax Tax (VAT) on Tax. And Now they want a blooming Carbon Tax! STILL THINK THIS IS FUNNY? Not one of these taxes existed 100 years ago, & our nation was one of the most prosperous in the world... We had absolutely no national debt, had a large middle class,a huge manufacturing base, and Mum stayed home to raise the kids. What in the Hell happened? Could it be the lying parasitic politicians wasting our money? Oh, and don't forget the relatively new bank charges.... And we all know what we think of Bankers. I hope this goes around the UK at least 1,000,000,000 times!!! YOU can help it get there!

May totally be none of my business, you and ash have a baby. Your income has been cut by maternity leave and then that ending. I understand everything being 50/50 but your maternity leave should also be accommodated for by Ash.

I’m nearly the same age and you seem so much more mature than me. I know everyone is different and everyone is in different stages in life but I would love to be as mature as you and have my life more together. How did you become so mature if you don’t mind me asking? It seems to come very natural for you which is amazing. Love your channel Shan 🤍