Mid-Month Budget & Goals Check-In 💻💸 what I spent on vacation, November's income + financial anxiety

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Thank you for watching ✨ Thank you to Mejuri for sponsoring this mid-month check-in for November 2023! Check out their Black Friday sale (20% off with a minimum spend!) here: mejurifinecrew.sjv.io/zozzyfaves (this link brings you to my fave staples, but the sale is sitewide!)
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✨ About me: ✨
Hi, I’m Zoe! (Pronounced like Zoey) I’m a 27 year old from Montreal making videos about my REAL life. After quitting my management consulting "dream job", then being laid off from a startup job, I decided to take a chance and work for myself. I'm now mainly focused on RU-vid (my absolute passion) and side-hustle contracts in the copywriting and admin fields.
My videos centre around work, gentle productivity, mental health & personal wellness, with a touch of fashion, tech, and whatever else I'm living. My goal is to be open & honest ALWAYS and for my channel to be a fun, inspiring place where we can set goals and live our best lives together. I would love for you to subscribe 💝
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Опубликовано:

20 ноя 2023

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Комментарии : 86

@britanni.eleanor 7 месяцев назад

I love when you separate the videos, make thE Mid-Monthly Check-in short and the end of the month to go over major expense ( heck include the little ones too)! Thank you for the amazing content Zoe.

@ZoePritchard 7 месяцев назад

thank you for this feedback!! this seems to be most people's preferred format too 💖

@libbysworld7649 7 месяцев назад

When we budget and are good at budgeting, we tend to be more frugal. I'm proud of you, girl. You sound like someone who is into paying themselves first and living intentionally. Whatever you and JS spend on each other is y'all's business. You are both adorable. More Zoe and JS moments, please. 🙂

@ZoePritchard 7 месяцев назад

aw thank you Libby!! 💖 i'm filming a vlog with him this week hehe

@Justme_elizabeth 7 месяцев назад

Personally I don’t think I would have went to the birthday meal. I think I would have asked if we could have done something to celebrate separately which would be less of a costly experience. But I know sometimes you just have to go for it and enjoy regardless of money ❤❤

@averynmitchell 7 месяцев назад

I love these budget check ins! ❤ Personally, I love your vlogs at the end of the video like you did in October.😊 Typically, I am biased and say "budget only" for the video because I'm an accountant and obsessed with everything personal finance. However, I feel like the vlogs has us as your audience build a closer connection with you. As a viewer, I think that's important as you continue to build your channel! I hope this helps!

@ZoePritchard 7 месяцев назад

i super super appreciate the feedback 💖💖💖

@YourRav 7 месяцев назад

Completely agree with this comment!

@ikunna 7 месяцев назад

Just turned 26 ☺️ feeling the happiest I’ve felt in a long time this November. Had a lot of work anxiety in the summer. Gearing up to go to Mexico in less than 2 weeks with my partner! 💃🏾

@ZoePritchard 7 месяцев назад

omg so exciting!!! happy birthdayyyy 🎂 ❤️

@alexandrat3825 7 месяцев назад

I love love love your long videos! I cant get enough. Please do a What I spent this month for both October and November. Those are some of my faves and help me in my own personal finance journey. In part because of you, I quit my corporate job and started working for myself. Im now earning more than ever, but only working a few hours a day. Thanks for everything you share, youre so inspiring and making dreams seem possible. Big hugs from Norway❤

@jimv77 7 месяцев назад

You should do an episode about your goal #3 of buying a first home plans. So many folks right now would relate to that major step…and major anxiety!

@Fathervivian 7 месяцев назад

Agreed!!!

@ZoePritchard 7 месяцев назад

great idea!!! right now my only plan is to save and hope for the best 😂 ive got that anxiety too!

@noelle8301 7 месяцев назад

Love the non money goals! Also a $10 ATM fee?! Outrageous! Vegas is always so expensive. I’m so glad you walked through your emotion of paying for the birthday dinner I do this too! So excited ri see your solo work retreat!!🎉🎉

@laurarahelbailey 7 месяцев назад

Loved this video and format for the mid month check in. It was perfect!

@knomsaiwang 7 месяцев назад

Woke up and see your video! I just got the binder from the Line. It is so beautiful! I’ve been using it and loving it so much! I have anxiety every time I have to pay more on something I have no control over as well. So I understand what it is like. I’ve been paying wayyyy too much on myself this week because of the unexpected traveling. But yeah, thank you as always for being honest with your thoughts and spending on the video!

@Jibril_Abdulkadir 7 месяцев назад

It’s great to learn more about budgeting can be tough especially during the holidays lol 😂 btw great vid 🩵🩵

@elvira820 7 месяцев назад

Loved the video

@YourRav 7 месяцев назад

Congrats on allllmost filling up your emergency fund! Proud of you! It’s been about two years of watching your content and you’ve made so much progress. Yes, I’m from the “leaving corp job” wave of subscribers lol

@ZoePritchard 7 месяцев назад

omg i love that 💖the best wave cuz you don't miss the old me hahahah thank you for your support and kind words Rav!! xo

@RoraEmmi 7 месяцев назад

I love your long videos, when you show every purchases🥰

@tamaraesquivel7663 7 месяцев назад

Yay another video ❤ November going pretty good :)

@ZoePritchard 7 месяцев назад

so happy to hear this ❤️

@olgavallenberg9797 7 месяцев назад

Your nails look absolutely beautiful today! They really complement your overall appearance.

@ZoePritchard 7 месяцев назад

thank you so much ❤️

@siobhanod 7 месяцев назад

November is going well so far, it is true that we all deserve vacation once we save up for it

@ZoePritchard 7 месяцев назад

so glad it's going well 💖 and agreee!

@DC-cd5tv 7 месяцев назад

Oh, and congratulations on being the "sane" person in your group of friends. Bravo on your savings achievements and commitment to keeping a budget.

@poppycalliope 7 месяцев назад

How exciting that all of your manifestations became reality Zoe 😍 congratulations on all your successes! I think 2023 was such a big year for you. You bacame debt free, hit 50k, worked with so many good brands, moved in with Js and rented an office + became a barre instructor! You're doing amazing Zoe, thank you for being such a big inspiration to all of us ❤

@ulianabakhtiyarova6872 7 месяцев назад

Your nails are gorgeous! Makes me want to get mine done in this beautiful red color😍

@ZoePritchard 7 месяцев назад

omg dooo it!! hehe thank you ❤️❤️❤️

@AllatOncewithAmanda 7 месяцев назад

Those pearl earrings look so good on you!!

@EmsFitVenture 7 месяцев назад

Vegas prices on the strip are wild! I remember I used to get my tall coffee for like $2ish back when Starbucks was cheaper. The tall iced coffee was $6 in Vegas. Sickening.

@misspoetiaseanist 7 месяцев назад

Love these videos

@mamaslitterbug3071 7 месяцев назад

Love your long hair and those earrings are awesome on you!! I have been doing the cash envelopes for two years now and they work for me wonderfully ☺

@ZoePritchard 7 месяцев назад

amaaaaazing!!! & thank you 🩷

@janettauzin670 7 месяцев назад

Loved the video. You always inspire me to do better.

@ZoePritchard 7 месяцев назад

that's amazing!!! thank you 💖

@theloudmouthful 7 месяцев назад

I lived in LA for 7 years in my 20s and went to Vegas almost every year during that time. Pro tip: don't stay on the strip next time. Everything is cheaper off the strip including alcohol, food, coffee, those pesky ATM fees, etc. You can find good deals at other hotels that are maybe a mile away. You can easily walk to the strip or take a quick Uber and still get to see everything and have the full experience :) So awesome that you still stayed under budget though - that's amazing!!

@ZoePritchard 7 месяцев назад

suuuuuch a good tip!!! if i ever go back, im doing this 😍 thank you!

@theloudmouthful 7 месяцев назад

@@ZoePritchard of course girl!! Seriously if you have any questions just lmk I know how to do it on the cheap lol

@jlw8273 7 месяцев назад

love all the budget videos and like following along on the spreadsheet and cash envelopes. how do you manage over spending when you're in the red? do you move money from one cash envelope to another or pull from a savings account?

@ZoePritchard 7 месяцев назад

great question! sometimes i will move money over and sometimes just leave it. for example this month im red in gifts and i could cover it with groceries, but since i dont intend on buying anymore gifts this month i will leave it. If i were to buy more gifts, i might take from groceries (or a different envelope). Not the most clear answer, but i really just depends 🙈

@Stephanie-ki5oz 7 месяцев назад

this year all my friends and i turn 30... when i tell you the ABSURD expectations and parties that are being thrown... on top of everyone getting engaged and married. IDK how anyone expects us to shell out this kind of cash like this. As a non drinker+ mostly vegetarian, the meal splitting and set menu i finid so inconsiderate. I end up paying 100$ for a piece of boiled potato and a water.

@ZoePritchard 7 месяцев назад

omg this makes me so mad for you!!! and let me tell you both these expensive parties were 30th birthday parties 🙈

@Stephanie-ki5oz 7 месяцев назад

its an epidemic!! that and bachelorette parties@@ZoePritchard

@Stephanie-ki5oz 7 месяцев назад

i do love how you broke down thinking about paying for it though!! feels a lot better the way you did it!

@operativealyssa 7 месяцев назад

I personally feel happy whenever I don’t use up all of my budget for travel though I’m allowed to use it all up since it’s a budget meant to be use on my travels. But I guess it’s just the frugal part in me who tend to get happy whenever I wasn’t able to use it all up because I get to transfer the remaining money to my EF or carry it over for my next travel.

@ZoePritchard 7 месяцев назад

hahah im the saaaaame way! i transferred the rest for Christmas spending and im hoping to not spend all that LOL

@yoselinlopez2843 7 месяцев назад

hey!!!! im ready with my 2024 budget and goals, im waiting for yours. I always lose control when im on vacation :( so that is my next goal!

@RosieLindsey-bq9tb 7 месяцев назад

Great video

@davisamills597 7 месяцев назад

Love when you separate the videos!!! On certain days, I prefer certain content depending on my mood lol

@ZoePritchard 7 месяцев назад

i feel this!! 💖

@budgetandbalance 7 месяцев назад

Those earrings are gorgeous! I may of have missed it, but where are they from? 💜

@BadGalBudgets. 7 месяцев назад

💚

@robertmarshall5982 7 месяцев назад

Do you have a video on your budget app ?

@curefansc 7 месяцев назад

Your dinner prices on vacation really weren't that bad! Eating out is so expensive.

@ZoePritchard 7 месяцев назад

its true dinner wasn't too bad! its actually the coffees I felt were the most ~overpriced~

@jimv77 7 месяцев назад

Zoe, would you give up all of your vacation experiences in the past 18 months to become debt free today?

@ZoePritchard 7 месяцев назад

nope!!! i think i had a great timeline to becoming debt free and id rather have my trip to colombia than have paid off my car sooner 🥰

@jonathancalandra1220 6 месяцев назад

Like your videos keep on duing what u du 😉🤩

@teresascafasci7027 7 месяцев назад

I I've your budget and cash envelope videos and don't mind if they are long! 😊

@jonathancalandra1220 6 месяцев назад

U are amazing person adorable u are fine just how u are keep on duing what u du ❤

@Billy33753 7 месяцев назад

It’s tempting for me to want to buy Starbucks I use it as a treat

@Reindeers-Money 7 месяцев назад

❤

@ZoePritchard 7 месяцев назад

❤️❤️

@lynntetteh 7 месяцев назад

Yaaayyy.. missed October's spending video. I like that you spoke up for JS, people will complain about everything. You spend your partner's money - you're a gold digger.. you don't and you're silly.😅

@ZoePritchard 7 месяцев назад

hahaha right?! ❤️❤️

@stephaniemiersch 7 месяцев назад

Winter tires??? Gosh, I hope you have them by now. I live in Québec City and got my winter tires on a month ago! Sorry, it's the mom in me 😊

@kelvinhau7320 7 месяцев назад

Hi Zoe

@emurdify 7 месяцев назад

I think you need to stop feeling so bad about spending money. If people are judging you, that is a them problem not a you problem.

@elysejohnson8144 7 месяцев назад

The markup on Starbucks in Vegas is insane, it's not just Cesars! Plus who wants to stand in that big line when you're hung over lol. Glad you had a good time in Vegas otherwise!

@joeyparra3937 7 месяцев назад

Men should try to pay for everything! Its nice for a girl take pick up the tab once in a big while once shes your girl.

@Cat8395 7 месяцев назад

It is wild to me as a European from the Mediterranean that you are « fine » paying X for jewellery, 55 dollars for a travel pillow, 30 or so dollars on a swimsuit because of failure to plan ahead, and absurd amounts for coffee but then cannot cope with spending a similar amount on a once in a lifetime moment in time with a close friend. Really highlights to me the issue with North American culture - happy to spend on unnecessary material things, begrudges spending on the true moments which actually make up a life. I’m not judging at all - firm believer in spending your money as you choose - I however just cannot get my head round the rationale and mindset. Meals together are everything to our culture, material goods are just so beyond secondary to me. Before people come for me - meals don’t need to be expensive but clearly that friend really wanted to do that for her birthday and, as a friend (who has the money to do so), I just honour that! For the people who say they don’t have the money - do you actually not have the money, or have chosen to spend that money elsewhere (eg nails, Starbucks) ? If so, understand that you’re prioritising that over time doing what your friend would like to do for their birthday. That’s okay, but just accept your choices.

@ZoePritchard 7 месяцев назад

this is a very fair point! definitely is a difference in ways of looking at this. I was looking at the cost of the restaurant only for the meal, and not for the experience as a whole when I was annoyed about it.

@Cat8395 7 месяцев назад

@@ZoePritchard i agree it can be easy to get focused on the numbers, especially if they are sizeable and we’re trying to think of all our goals at the same time! 😊 I do think I find it a little easier as it’s what I’m happy to spend my money on (as material or aesthetic-related things bring me hardly any joy). I’d take a dinner with my partner at a restaurant we’ve been wanting to try, over getting my nails done any day. We’ve all got our vices though - mine are of the four-legged equine variety (and what great money pits they are 😂).

@bruhooke8804 7 месяцев назад

20% off is like labor day sale lol i miss old black friday sales😢

@ZoePritchard 7 месяцев назад

we never had those in canada 😭like where people would line up and fight over TVs... I so wish LOL

@bruhooke8804 7 месяцев назад

@@ZoePritchard HAHAHA yes ppl used to do that bc the tvs were like 80% off 😂

@carolinanu88 7 месяцев назад

I find it so funny that you have a Hard time paying for expensive food at a restaurant. Literally I am the complete opposite I would pay for food no problem at all but other things make me anxious like for example paying for a concert. To me it is Just not worth it 😊I figure is all about personalities.

@ZoePritchard 7 месяцев назад

so true! i think we compartmentalize what we “like” and “dont like” to spend on and just stick to it 🙈 Id love to be able to open more space in my budget for those dining out experiences in the future!

@DC-cd5tv 7 месяцев назад

I so don't agree on the friend's birthday party situation. I'm an older women so it gives me a lot more experience in situations like this. Your friend, as much as you love her, is childish and inconsiderate. What was she thinking when she invited her friends. God help you if she gets married and asks you to be in the wedding party (if she is not married at this time). Can you imagine what your cost would be. The younger generation, yes, I said "younger generation" - so cliche - needs to think more like you in saving for your long-term goals while treating yourself well at the same time. Sorry to blow off the steam, but your friend annoyed me.😤

@lsgdaria 7 месяцев назад

I follow @CeciliaBlomdahl on RU-vid. She loves in Svalbard an island near the North Pole. On the island they experience polar night for several months and she really leans into the darkness and does a lot of preparation health wise and also in her living environment. Wanted to mention since you mentioned struggling in the winter months. ❤

@Elizabethgitana12 7 месяцев назад

I live in vegas i don’t think is expensive at all compare to other cities like LA or NY in fact Vegas is a very cheap place to live I moved from cali to Vegas for that reason 🥲😅

@ZoePritchard 7 месяцев назад

it must just be the strip 😂🙈