My Payday Routine 💸 paycheck breakdown, bi-weekly budget, credit cards, savings & more 

Totally agree!! And love what you said that you can change your money/lifestyle choices during different times in life!

Thank you very much!

Enjoy!! 💸🤍🫶🏻

HI!!

Yes, having my bills on autopay on payday has been a game changer!

Thanks so much! Glad you enjoyed!

Yes it does!

Love that!

Because the previous owners of our house were silly goofy and put things like that in weird spots lol

It is a good place to start! I'm really lucky because my husband has always been really financially literate and taught me everything I needed to know so I didn't speak to a financial advisor. But it's a great place to start if you don't have anyone who is super knowledgable about money!!

I don't think I have enough to say on it for an entire video but I will say there are MULTIPLE ways to go about it. Some people have 1 account and track what money is for what sinking fund. The bank I am with allows for multiple buckets in 1 account so I personally have multiple buckets for each of my sinking funds. Just comes down to personal preference! I am a very visual and keep it simple person so I prefer having my sinking funds divided up because that way I'm not spending tons of time tracking what money is for what sinking fund if it's all in 1 account!

I film lots of home vlogs already!

@@CarterSullivan 👏🏻👏🏻

@@CarterSullivan Have you ever wtch hunnaxlib ? (Hunna&Lib) they re so fun and cute couple , you will love their fun short vids and vidds . For vid 📹🎥ideas 😊 🤗🍃🌼🍃🍃🍃

@@bookmarksandbookshelves3998 its always linked in the description

Sony ZV-10!

So my business is completely a separate entity from my personal finances. I incorporated my social media business at the beginning of this year, so all of my business income (Adsense and brand deals) now flows into my business bank account. I don't talk about this in my videos because I tried to live off of my corporate income as much as possible and not rely on my social media income. It's definitely a substantial amount of money, but I choose to keep all that in the business to reinvest and better my channel. From there I budget the same way, but just with my business. So I pay off my business credit cards, put money aside for taxes and savings! Most of my budget videos from 2023 and previous years do show how I budgeted my social media income since it all came through on the personal side. First thing I would do is put money aside for taxes, and then I typically viewed my social media income as savings or debt payoff money back when it all came through to my personal accounts.

It's not my budget spreadsheet!! The spreadsheet comes with instructions on how to set it up when you purchase it from Etsy, so I highly recommend following those! I don't really wanna give advice on setting it up because spreadsheets can be really finicky with deleting and adding things in so I don't want to say anything since I didn't create a spreadsheet. But if you follow the set up instructions, I promise it's really straightforward and easy! Just takes a good like 30 minutes, so definitely just do it when you have some time😊

Yes I shared it in this video! 😊 Currently just beefing up my emergency fund slowly (since we have an older home) & prioritizing investments into my TFSA & RRSP! I have a whole video on my 2024 financial goals!

@@khemirirania8694 its linked right in the video description

I just want to say as much as I'm disciplined, I am not a perfect person. I overspend at times, and I made impulsive purchases- no one is perfect with their finances. Honestly, this used to be some thing I was really bad at when I had all of my credit card debt as I was constantly spending more than I could afford to pay off, and I just overcome a lot of these money issues over the years that I don't really have this issue anymore. But this was definitely something I struggled with when I first started budgetting and getting into personal finance. He's taking me a few years to get to the point where I can have money in my checking account and not feel the need to spend it. Truthfully, at the end of the day, I have to be an adult and I have bills to pay and a husband who is depending on me to pay half of our bills and so I can't really just be frivolously spending and not having any money left in my checking account. I would rather not spend a lot on myself and have that comfortable buffer to live with. I I feel like I'm very aware of my spending, and I wouldn't put myself in a situation where I am frivolously spending more than I can pay off. I roughly spend around the same amount monthly in my variable expenses. It's taking me a while to do so but I know what I'm comfortable spending monthly on groceries, gas, miscellaneous, spending etc. If you watch the vlogs, you would know that I'm not a huge spender anymore which also plays into my spending- I'm a big fan of Thrifting in buying things used on Facebook marketplace and saving up for things! If we were to have a big purchase, that was unexpected I would use my emergency fund or my sinking funds for things like vet bills, birthday presents, etc.

I totally agree! I feel like especially in roles where you are an hourly employee and you get a pay raise every year (aka nurses and other allied health) it's so important to check your paystubs. I have friends who didn't check their paystub for a few years and then realized they hadn't got their raise and the hospital owed them a ton of money!

@@CarterSullivan retired orthopedic RN/ charge RN … really enjoy your content and congrats 🎉 on wedding ! Glenda

It would probably just look like this video did since I was able to put some money into investments! But kinda hard to say because like I mentioned in this video I have always had more than one job since I was 16 so it's all I've ever known honestly. But I'm sure there are some other payday routines on TT and on RU-vid that show it!

AH love that for you! You got this!!

I never said they weren't! All bills that come out of my account are on autopay except our mortgage & utilities since those come out of my husband's account so I e-transfer him for those on payday 😊

It hasn't gone down in over a year now 🫠 Darn inflation!!

​@CarterSullivan Oh didn't do a comparison, but it seemed that it was a lot lower than the last time it went down. Probably just my brain