Let's Talk About Money: How much I spent this month & How I'm feeling | Monthly Money Update

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I'm a 24 year old from Canada, living in Montreal. I work as a tech consultant and make work vlogs about life as a young professional. I also love to talk about personal finance, fashion, health, and life in general! I am always 100% honest and transparent, and love to talk about taboo subjects like anxiety, imposter syndrome, and my true thoughts on things like comparing yourself to others, money, etc. I hope you will join me on my journey through my videos!

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31 июл 2024

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Комментарии : 102

@CeliaDubauskas 2 года назад

Use your savings to pay off the line of credit. It doesn’t make sense to pay any interest when you have the cash. Yes you will have to make the money back to reimburse your savings but you will end up spending less long term because you won’t be paying interest.

@SarahhhhhET 2 года назад

This is definitely my favorite series of yours! Eating out is definitely my biggest expense - all added up it is such a big portion of my monthly expenses. I’m def nosy with this stuff LOL but it’s so interesting to hear about what other people spend, especially cause it’s not talked about much.

@thewewguy8t88 2 года назад

hey i have that issue too.(plus i wont lie people randomly tend to ask to barrow money from me and it can be questionable on if they will pay me back or not) and this month has just been a more crazier then i expected. not awful but still could have been better.

@emilyencapsulated9540 2 года назад

Zoe, thanks for your transparency! ❤️I love my probiotics, too, but $80/month is a crime! I'm a NP student, and I have strong opinions about the supplement industry. They are overcharging for "nutritional supplements" (often with no proven health benefits). In the U.S., these supplements are not regulated by FDA, either, so there's a ton of variation in quality & concentration of the supplement. I def think probiotics are a great option for people with GI problems, but I promise you there are affordable probiotics out there with the same efficacy as your $80 ones. Go to your local pharmacist and ask about affordable options. There might even be a generic that can be prescribed by your PCP with the same active ingredients (and a smaller price tag).

@mccq5913 2 года назад

I would totally recommend for you to come up with a monthly budget! I swear it’s a game-changer because then you know you’re in control of your money and it’s not your spending that controls you. Do not take this negatively but I watch your finance videos and I truly admire your rawness but it looks to me like you’re trap in this cycle of spending unplanned or random stuff and then regretting (maybe not all but some) your actions after. Budgeting helped me to get out of this cycle because then I am forced to be disciplined with what I spend for and how much I should spend. It’s not something that limits the fun in my life like how others view budgeting. In fact, I realized it’s more fun and worthwhile to spend and enjoy your money when you know you are in control of it and you are not guilty about your purchases after because you already budgeted for it. Goodluck and I look forward to the next finance video from you! ☺️

@thewewguy8t88 2 года назад

mc cq the thing is it can be tough to sick to a budget i mean i wont lie its helping me out a lot but its like really tough esspasically when you have some habits you know you need to kick(fast food is one for me)

@SarahhhhhET 2 года назад

What helps me too is to cut things out cold turkey (as much as I can ofc). When I want to buy something that I don’t really need, I remind myself that the money I’m saving by not buying it can be used during a special memory without guilt (ie travels, special dinners, dates etc)

@thewewguy8t88 2 года назад

@@SarahhhhhET yeah its not easy. for me cuz for me the biggest one i have right now is fast food and its tough because some days after work its like i feel like i need some comfort food plus sometimes i work extra hours then i expected and when that happens its like oh okay so i have a bit of extra money for mcdonalds after work(idk if i will go straight home after work tommmorw or not)

@deborah1424 2 года назад

this month I spent almost 300$ in ubereats… it’s crazy how much we can spend without even realising! your videos always motivate me to be more reasonable with my budget haha 💸

@thewewguy8t88 2 года назад

yeah i spent 10$ on fast food 12 times since october 11th. so yeah i know its something i seriously need to cut down and work on.

@oneminuteprocurement 2 года назад

great to review your finances at one point in the months! try doing twice, before the end of the month and then after payments that helped a lot for me

@mgovig 2 года назад

You are literally glowing in this video!! 👸🏽

@Veelh99 2 года назад

Loveee these types of videos!!🥰

@edwardrodriguez6423 2 года назад

This is such a great video, love the honesty and transparency!

@ZoePritchard 2 года назад

thank you!

@sv82350 2 года назад

that was great content, I started watching your videos to learn more about consulting but am glad I subscribed.

@ilhami8822 2 года назад

My fave series on your channel! Also been loving this makeup look you've been doing recently, you're glowing!!

@ZoePritchard 2 года назад

wow thank you!! i got a new concealer and its super bright hehe

@Coastpsych_fi99 2 года назад

Thanks for sharing ... literally love these updates !! Honestly my food bill is insane omg I can't stop ordering food out lol. Also would love a video on the car when you have time

@ZoePritchard 2 года назад

i swear ordering food out is an addiction. its super interesting, i heard on a podcast that people’s number one thing they would do if they were rich was eat out more. Which makes total sense!! & the car video is coming in the next week or two, yay!

@bedroomtalks 2 года назад

You got this ZOE!

@zolaxcv 2 года назад

I love your transparency, I feel like I’m talking to a friend!

@ZoePritchard 2 года назад

we ARE friends ❤️❤️❤️

@TammyWhelan 2 года назад

Thank you for being real. I am about to pay off all my debt and I totally get what you are saying.

@ZoePritchard 2 года назад

congrats on that!!

@chiplease 2 года назад

Hey Zoe! To answer your question to us in the vid, my biggest transaction in October was a Costco haul. The total at the till is always quite scary but it ends up being so worth it because my partner and I split everything, plus a lot of the frozen stuff lasts until the next month.

@thewewguy8t88 2 года назад

i would say my biggest transactions was on a video game which came up to 56$ plus i wont lie i did buy 2 bottles of drinks twice this month 27$ each. plus i got myself something else video game related for 70$ anything else has been on food/fast food lol. plus i had to replace some headphones for my phone(25$) yeah for me i know i need to cut down on fast food but its tough.

@emmamcdonald4684 2 года назад

I definitely spend emotionally too!!

@paulac4071 2 года назад

Credit is a good way to track spends. Each time I make a transaction I get a notification of the transaction as well which helps me to keep track as well if there's been a fraudulent activity on my card. Where on debit it's harder to track especially if fraudulent activity happens it takes forever for the banks to fix the issue.

@mezzsabear 2 года назад

Great video! This month I decided to replace all my socks/undergarments (all my old ones were super worn out and ripping at the seams) so I said goodbye to $200.00 at Aerie. I also treated myself to some nice jewelry pieces so bye to another $200 there, this month’s spending definitely went through the roof for me. Yikes definitely need to reprioritize my spending/budget for the next few months.

@ZoePritchard 2 года назад

I love Aerie!! hehe yes lets get back on track together this month!

@janyce98 2 года назад

First!! Love your videos ❤️❤️

@ZoePritchard 2 года назад

thank you 🤍🤍🤍

@clairekelly4986 2 года назад

I feel the same!! I just moved last month and the expenses are just so much higher than they normally would be. I feel like I keep endlessly spending money - I need to hibernate for the winter 😵‍💫

@ZoePritchard 2 года назад

Congrats on the move! Totally feel you about hibernating... aside from skiing, thats my plan too 🙃

@thewewguy8t88 2 года назад

@@ZoePritchard yeah i wish i had that option but i have work haha. but yeah if i am not at work i think i would be hibernate for the winter as well.

@Justme_elizabeth 2 года назад

Wow Zoe what a great, honest video. I love your transparency. Everyone is quick to judge but I don’t see them putting an honest video online. 👏 congrats girl x

@ZoePritchard 2 года назад

thank you thank you thank you ❤️❤️

@J0E1L3 2 года назад

For the ski pass, if you know you are going to ski next winter, the earlier you get it, the cheaper it gets especially if you get it as a group. 222$ is not bad though.

@mollycaple343 2 года назад

This month it was my COBRA health insurance premium ($695) and my passport application fees ($110 and $35.) I was living with my parents this month, saving in between jobs and am moving cities this weekend for my new job. This next month will be pricey.

@thewewguy8t88 2 года назад

yeah living with your parents really does help make things easier.

@tonythoreson 2 года назад

Savings video will be fun!

@ZoePritchard 2 года назад

Soon soon! It's been filmed :)

@salmaezz1 2 года назад

this month my biggest purchase were new curly hair products , damn curly hair is expensive

@thewewguy8t88 2 года назад

yeah i would say my biggest purchases were video game related(novemeber is going to be another big one but i have budgeted that already)

@shrikantpanmand7902 2 года назад

A health insurance for your pet would be a good idea.

@kylieeliz 2 года назад

I have some things that are going to get more expensive in the near future, but my biggest expenses (outside of rent and essential bills) that have been in the past few months have been Barnes & Nobles and various things at Walmart on top of groceries. When I get my next paycheck, I'm planning to keep track of everything I buy for the next paycheck cycle to really own my spending. I have a decent amount in savings for my emergency fund and other Sinking funds, and have been able to make student loan payments. It's just frustrating when your spending habits get in the way of saving more money. I'm also just playing catch up with my finances from Christmas and treating myself around Christmas, so I'm hoping to use a decent chunk of my tax return to set aside money in a Sinking fund for holiday presents so it doesn't hurt my finances next holiday season.

@alienboogieman 2 года назад

You're a smart lady so you know how to handle expenses when it comes down to crunch numbers. So say you make $4,000 a month, taking that check hypothetically throughout the next month, you should take $2,000 that goes to all your needs (food, water, shelter, bills.) Then $600 into your savings. $280 into your wants and that would leave $1,120 that should be split in half into other needs and the savings so you never face the days like this one. Those who you love will love you no matter what, you just need to be harder on yourself to be financially secured and in yourself as well. I'm going into managerial accounting as a cost accountant so I'm using that bit to give people a map to their spending. If it's ever to expensive, it be best to look at your vehicle and get one better for gas and maintenance like a Toyota Corolla 2010. Factor your salary and that's how you will keep yourself from debt and paying interest when you don't need to.

@Perpetuallytrying 2 года назад

I literally make $4 a month and have a Toyota Corolla so I feel called out in a good way lol????

@CarterSullivan 2 года назад

Omg spays are cheap in QC!! We paid over $800 🥴 Also highly reccomend a pet savings (pet insurance to us isn't worth it when they are so young) We put aside $25 a month and it adds up!

@ZoePritchard 2 года назад

thats genius!! i didn’t know want insurance but when you pay the same as insurance into a savings account that makes way more sense. thanks!! 😍

@efroggys 2 года назад

We dont need new clothes. WE DON’T NEED NEW CLOTHES. Saving and investing is way more important than looking trendy and trying to impress people who don’t care.

@thewewguy8t88 2 года назад

since i know you are from montreal i am from montreal as well and i have little to no issues with spending on debit(i have an unlimited account its 16$ but at least i have unlimited transactions) but i do like to use my credit card anyways haha because of 2 reasons one it allows me to pay off my minium payment each month and 2 i get points for every pruchase i make which does add up :)

@thewewguy8t88 2 года назад

honestly one of my biggest spending issues is and this will sound dumb but lending money to people who ask me :/

@KeianaByfield 2 года назад

I’ve been telling everyone I know all month, but since I recently came off a student debit account and also stopped using my cc as much and instead my debit (I thought this was what ‘adults’ do lol), I didn’t know how limited debit transactions were before you get charged. RIP to that huge fee I had to pay for withdrawal transactions 🥴

@SarahhhhhET 2 года назад

Def talk to your bank about your debit! You can just tell them like hey I didn’t know and see if they will reimburse you. They’ve done it for me before!

@thewewguy8t88 2 года назад

@@bashiiraasad9330 that is what i did as well!

@thewewguy8t88 2 года назад

hey dont feel guilty about buying a 16 dollar cocktail i bought myself 2 bottles of rum for 27$ each this month haha.(that was my second biggest pruchase) other then lending money to people(i got some of it back but others eh) yeah as i said i still have to work on lending money or even giving it away as some people just had to say i am a girl and or i am being nice to you can i have money please and i would give them money(this happened during the summer) (i can still easily be convinced to give people money if i am not careful)

@doggybag11 2 года назад

Could you use your emergency fund or other savings for these bills? Feels like a reasonable use of those funds.

@ZoePritchard 2 года назад

I feel like if I bail myself out, it will create a habit, so I’m avoiding that and paying it off with my earnings ☺️

@MathildeG 2 года назад

I got charged $170 for my phone bill because I recently moved to the Quebec/Ontario border, on the Ontario side and my dumb ass does not have Canada wide calling (still on a Quebec rogers plan), so this weekend I’m getting a new (cheaper) plan with Canada wide plan. My phone plan is usually $75-80 which is way too much already

@ZoePritchard 2 года назад

Oh my gosh! I didn't even know non-Canada wide calling still existed haha... Phone plans in Canada are insanely expensive 👎🏼

@MathildeG 2 года назад

@@ZoePritchard me neither, until I got that bill 😅

@thewewguy8t88 2 года назад

yeah my phone plan is around that too usually. i am from quebec montreal myself

@lindseyy320 2 года назад

$100 for a yoga mat?? I think mine was like $15 or $20 and it seems totally fine. I wonder if it is better quality somehow? Love these videos by the way (there are other things I spend way too much money on so not a critique, just interesting how we spend money different ways)

@MS-kd3dn 2 года назад

I know you said budgets aren't really your thing but maybe try and budget for a month and see if it helps your spending.

@meditatedindividual416 2 года назад

You should start a podcast

@peacebeteal 2 года назад

Listen you seem to have a lot of crazy purchases 😂 I was like boots. No ma’am. Uber after paying 160 for a parking space no ma’am. Several nights out and just randomly spending. Cut the cards mg. It’ll feel so much better. Tell the ppl to decrease your limit. I’m glad you paid off your student loan!!! Anytime you want to spend. Whatever that total is put it on your credit card.

@davidparnell4675 2 года назад

Hi zoe

@rosarioigf 2 года назад

I feel like sometimes we get too influenced by marketing. US$100 for a yoga mat is a lot! You probably don´t need a brand mat and could get one for 1/5 of the prize. Just my 2 cents :p Love your content!

@lyindabnv 2 года назад

I agree with this to a certain extent BUT I think investing on things you use on a daily basis for better quality and function is a smart financial decision! I vouch for a good yoga mat. It makes such a huge difference in your practice! Higher quality mats (like the one from Liforme or Lululemon) have superb grip and can last so many years with daily practice. The cheap mats you mentioned will only last max. a year.

@ChloeKangas 2 года назад

Exactly this! Winners/Homesense have yoga mats all the time!

@ZoePritchard 2 года назад

Totally feel you on the marketing BUT cheap yoga mats are made with synthetic rubber, which isn't as good for you. But hey, that's marketing too! Haha ❤️

@sarahwright5174 2 года назад

They don't take cash or debit there That's sad

@SH-ly1uy 2 года назад

I know you don’t need tips, but watch out for fixed expenses. Car park, plus car payment, plus insurance, plus gas really adds up as a fixed monthly expense. Watch out

@dontbanmebrodontbanme5403 2 года назад

Rather than beat you up (because none of us are perfect), I’ll just tell you a few things that have helped me. 1. Get someone you have to be accountable to. In my case, it’s my wife. Someone to ask, “Wait, so why do you need to buy yet another snowblower? You have two already. 2. Have a financial balance goal. My entire life, I’ve saved money in my retirement account, but that’s it. Retirement rich, “right now” money poor! Any unexpected expense was put on a credit card and I’d pay it off, with mixed results. Now, I like seeing my money market balance grow every month. I pay myself first. I find that it actually physically pains me to make my balance go down, so I only do so when absolutely necessary. You’re in a good place. You’re young and don’t have a ton of debt. Good luck.

@Stephanie-ki5oz 2 года назад

Have you considered pet insurance? I’ve heard it’s really worth it!

@ZoePritchard 2 года назад

i have considered it, but i dont think its for me… i try to avoid recurring expenses as much as possible (just a weird personal habit)

@Stephanie-ki5oz 2 года назад

@@ZoePritchard totally get it! I hate adding to my monthly expenses too! Makes me anxious to know money is leaving no matter what 🥲

@priskruger314 2 года назад

Why not go for a no spend year. I am also rofl starting over all the time but having no spend days is also pleasant.

@hobgoblin4614 2 года назад

You should get insurance for Maggie

@mattsarff2793 2 года назад

I purchased a house this month, but the thing that really hurt was spending $700 on sales taxes for my car

@ZoePritchard 2 года назад

wow congrats!! 😍😍😍 thats BIG! taxes are ouch for sure

@9770G 2 года назад

Couldn’t relate to the relationship part 😔🙃

@ZoePritchard 2 года назад

haha don't do it, it's expensive!! 😉

@9770G 2 года назад

@@ZoePritchard unless u got someone who is ok with being a minimalist like me 😉

@thewewguy8t88 2 года назад

@@ZoePritchard thanks for the advice haha.

@EvaAntonia1 2 года назад

I guess the most expensive thing this month was my physio treatment but just because I'm still living at home so... :D

@LOSTobsession1415 2 года назад

Do you qualify to get low income vet services from a humane society? You should look into it! Where I am the qualifying monthly income is WAY more than I make haha

@itsmejuju1221 2 года назад

I am pretty sure she is far from low income

@itsmejuju1221 2 года назад

Not in a rude way. But she definitely is far from low income. She spent more money just on miscellaneous things than The amount of money I make in one month.

@LOSTobsession1415 2 года назад

@@itsmejuju1221 in my county the criteria to be “low income” in terms of this discounted veterinary care is $4500 for a single person… so very loose definition of low income

@thewewguy8t88 2 года назад

@@itsmejuju1221 i was thinking that myself cuz i get the impression she is not someone who has a low income problem.

@ML-dy8sh 2 года назад

quite over spending. ur brunch with 60 bucks is more than my food budget for two weeks. haha

@BCurlyfries 2 года назад

Biggest expense was eating out

@SH-ly1uy 2 года назад

Every month I spend a lot of money on taxes. Terrible expense with almost no return, but useless politicians giving the money to their friends

@swicheroo1 2 года назад

You don't need to go to restaurants to have a good time.

@thevet2009 2 года назад

Do what a lot women do...get a boyfriend and use him.

@lyindabnv 2 года назад

I love your Monthly Money Update series! I notice that you‘re less guilty of spending money on your joys and more aware &confident in your financial decision. You‘re doing so so good! 🤍

@ZoePritchard 2 года назад

Such nice feedback, I do feel that way too. Thank you ❤️