MY MONTHLY BUDGET | January 2022: lifestyle creep, monthly spending, and more! 

For those wondering what a lower budget looks like, here is mine: Salary - 2,600 Rent/Utilities- 1265 (I live in Utah) Groceries - 200 Restaurant - 75 Miscellaneous/Treat myself - 100 Phone Bill? Pay per year with mint about 20 Gas - 50 Car Insurance- 65 Donation - 150 Subscriptions - 12 Entertainment - 30 Investing - 10 Save about 750 depending on the month

Also - for class pass i highly recommend emailing them, being super nice and they may refund you for the past few months that you never used. I was accidently paying for better help for 7+ months (over $2000 i literally never used), i called them and they refunded it all! I was soooo shocked so that’s just a tip for anyone facing something similar :)

Could you talk a little more about paying your own health insurance and the process of finding the right company/plan while self-employed and running your own company?

Just gotta say I’ve been following this series since you started and have been LOVING these videos and how honest you are about your spending ❤️ (while still keeping your privacy because, boundaries!)

For those random apple charges, if you go Settings > Apple ID > Media and Purchases > View Account > Purchase History it should show you what you are being charged for and the date of the charge :)

*"Incredible change happens in your life when you decide to take control of what you have power over instead of craving control over what you don't." - Steve Maraboli*

Love how raw this video is! Can’t wait to watch next months hehe

Thank you for being so honest and real in this type of video! Last summer, I also discovered that I had the problem of spending too much money on restaurants/takeout/groceries every month, but a few tips I have learned since then: 1. If the delivery cost is going to be more than the actual food order, then I figure something else out. Where I live, a lot of places will deliver for free if you spend over a certain dollar amount, so if I really just could not be bothered (or was not physically able) to go pick up food from somewhere curbside, then I found a place that had free delivery. Sometimes this even deters me from getting takeout altogether, so this is a win/win. 2. Sometimes I tend to go to Starbucks a few too many times during the week, but it's mostly because I want a different kind of coffee than I can make at home. So, instead of buying the $5 cold brew every day after work, I splurge a little bit at the grocery store to buy the Starbucks brand already made cold brew so I can have something comparable at home. Is it quite as good? No, but I'm saving so much money throughout the week that the difference is worth it. Same goes for ordering takeout. Since I generally know what my favorite go-to options are, purchasing something in the frozen dinners section or snacks that are similar generally keeps me away from spending the extra money on a takeaway. 3. I work at a drug store with a limited food/snacks/candy section, and often times I fall into the trap of buying small $2-5 pick me ups throughout my shifts and during the week. Welp, those add up pretty quickly if you do that basically every day. To combat this, I took notice of which snacks caught my eye and which individual items I purchased the most, so I could then buy in bulk a lot cheaper at the grocery store and just bring said snack in with me. It doesn't save a ton of money, but hey, every dollar counts.

I totally understand the door dash thing, BUT I would also say that ordering door dash does provide work (flex work) for folks which is a good thing! & self care is essential, no matter what form. Luxurious experiences create a luxurious reality. 🌺

Love these budget videos! Can you talk more about the money you put into savings, investments? Not specific numbers, but just generally where you put your money

🙏 *5 Things to Never Do in Rush:* *1) Giving away your trust* *2) Making big desicions* *3) Judging someone's character* *4) Falling in love* *5) Eating your food*

"February is a shorter month so I will spend less" yassss I LOVE it :*D

That nail spot you mentioned sounds amazing! Can you please share the name of the place that does luminary nails? :)

For your Apple subscriptions - you should get an invoice in your email from each charge. Take a look in your email. Hope this helps!

Do make sure you have VPN. On anything, you get on the internet with. Seening as you pay things on line.

Love these budget videos! I am just curious about the difference between business expenses and normal expenses; because since you vlog your life, can't basically everything be considered a "business expense"?

I just got braces and let me tell you my January spending was not fun 🙃. Now is the time for my to fix my budget

I need to start doing this every month. I eat out once a week and I feel like I need to cut that back. You're right lil' things add up quickly and I need to realize that!!

It does look like lifestyle creep. Also, 400$ for ordering food? That's still a lot, imo. Most ppl on RU-vid spend 50-150$ and that's for a family of 2-3. Maybe you should consider investing more in snacks and getting already cooked meals from the supermarket, that should be cheaper than ordering food. Good luck!

Love the transparency and the Dyson hair wrap is looking great on you here

I love these budgeting videos 😍 I am going to film one for my channel which is obviously inspired by you 😍 I started budgeting a few months ago and even realised that I have an extra insurance that I didn’t know of 😳😂

These have become my fave videos!

I see random charges from Apple on my bank statement too and I literally only have 1 active monthly subscription!! If you figure out how to see where those charges come from please let me know too because it’s infuriating!! But I’m glad to know I’m not the only one 😂

I did notice the missed upload from last month but I got so excited for Rella that I just forgive you this time hahah jk I don't know why but I love this style of video from you, hope you can truly cut off your expenses for this upcoming month and learn more about the mindset and systems that helped you! Thanks for sharing as always, money is a very sensitive topic for a lot of people so I'm glad you feel comfortable enough to share with us :)

Apple charges could be anything you might've bought/rented in terms of music, movies, tv shows, or books/audiobooks through Apple TV/iTunes or Books. I know when I buy stuff they sometimes group it all together into one charge so you might not remember spending that number all at once. But I have the Apple Card so it tells me specifically what all is included in that charge, which is why I thought of it when you were having this problem Or it could be something totally different! Not sure if you use any of those things

I work for a large company that provides health insurance, but it still costs $275/month (and that's with a discount I get for just 'doing healthy things during the year')... and honestly, the coverage still stinks.

Yassss!!!! I love this video! I have got to delete doordash from my phone lol

Loveee this series!

The Apple charges sound like someone might be using your card to make in-app purchases!

I love these videos!! And I use Flo but not the pro version. I didn’t think it was worth imo

Did you find out what your apple charge was for?

The Apple charge could be a hacker or scammer using your credit card. Make sure to verify with your bank.

Yes the lifestyle creep! I fall victim to this! Next month we will both do better 😂😭

I used to spend over $150 eating out (on a super low income) and now the last 3 months with cash budgeting, I spend $50/mo eating out and $200/mo on groceries. And I'm actually a healthy weight haha

Wow! 😳🤯. I aspire to be this level of rich and exude “idgaf” energy. This girl spends a world of money. All these expenses would leave me traumatised but I’m a cheapo lol $850 for filler ? 🤯 $650 in a month on eating out 😳 $180 p/m for a gym 😳 $140 p/m for a facial 😭 $170 on alcohol, sheesh 😭 I’m sooo gobsmacked but soo jelly too! Go girl! It must be nice 😜💕

What did you spend on groceries?

Great video natalie I may need to start doing this

I have Ambetter and I pay $378 a month - my OOP max and deductible is $6,100 😅

I’ve had random apple charges on my credit card and it ended up being a scam! The card # was stolen

I'm in 2 something mins in.....and SAME girl. I'm buying all the things now. I want new fences to my garden I want a new couch...and this is purely bc of my salary got a BIT higher...and I spend a LOT more..why? Help

I have been getting random Apple charges too and idk what it’s from I only have Apple Music lol I’m so confused😩

Where is your lipgloss from?

Some scam is definitely going on with the Apple situation

Apple could be charging for iCloud storage? I get random charges from Apple and google for storage every month

Love the girl boss vibes 👏

Health insurance is so EXPENSIVE! I don’t even bother getting one😂🤷‍♀️

i wish you could start adding what you've talked about on the side of the video as a tally or something...it's hard to pay attention to you talking about the expense without having a visual.

Wonderful

i wish my struggle was because i could afford to spend hella on big dollar items each month 🥴

I was waiting for this!!!

Class Pass low key is the worst

💛💛💛

Hi