NOVEMBER MONTHLY RESET | budget with me, goal setting + monthly reflection 

thanks lovely! so keen for Christmas 🤩 truly the best time of the year 🎄

thanks you lovely!

ahh you're the sweetest! thank you so much lovely ❤️❤️

thanks Matilda! so sweet of you 🥹🥰 have a great November!

that's such a good point! thanks lovely 🤍

so excited!!!!

hahaha I know the feeling! thanks gal 🥰

me too! they're my absolute fave to film/watch 🥰 we usually keep our savings for Christmas in our short term savings acct and then transfer when buying something. Then I track using a seperate christmas spreadsheet usually

there's truly nothing better than a big monthly reset 🤌🏼 Planner is from Steph Pase planners x

Definitely not a blonde question! If you have the premium version it does but only the free version is available in Australia. I just manually input everything as I spend

sorry, that was me misspeaking! we definitely only pay council rates for the house we own, not the rental

I did add it back in ☺️ $600

Accounts Receivable Officer 🫶🏼

probably because November only has 4 weeks they need to pay. Another month they probably will have 5 weeks to pay.

I've replied to this comment of yours before on a previous reset. A lot of our bills and expenses come out monthly or for tightly so we budget for that month. Any months that we have an extra payment we adjust ☺️

@@smileycitrus heya, I couldn’t remember if I’d asked or not sorry. The most impacted one would be your monthly rent calculation. For example, 4 weeks is 28 days (4x7), so the only month that is actually 4 weeks is February (non leap years). All other months of the year are more than 4 weeks, typically 30 or 31 days. It’s the same for mortgages and rates. That’s why if you’re paying monthly (ie on the first of every month), your landlord/agent will give you a monthly figure and it’s never equal to 4 weeks rent, it’s always slightly more. (Exception, in Singapore they do monthly rents which is an even number, for example $4000 per month, however Australia calculates rent weekly so monthly rent would be an odd number like $2534.54). Even if you are paying rent every 4 weeks (28days) or 2 weeks (14 days), you’ll find that every month you would be a couple days short and would need to make another payment before the month is finished to avoid arrears. Calculation wise for budgeting purposes, you need to allow more than 4 weeks worth of rent, because you’re paying more than 4 weeks worth of rent to live there each month. There is an exception, which is if you’re working off a weekly budget, and pay rent weekly, for example every week on a Monday, but most people tend to do monthly budgets so need to calculate accordingly. You could even contact your property manager and have them give you the monthly rent figure. Or you could have them give you your daily rent figure and times it by the number of days in the month you’re budgeting. I don’t think I’ve gotten my point across well because I’ve just woken up haha, but hope you’ll look into what I’m saying. This calculation is an easy one to overlook and it does add up over the course of 6/12 months. That being said, I’ve said my point now and won’t comment this again, I hope the next 6 months is good for you both and that your new home is finished as scheduled so you can get a cute puppy next haha!

@@califlorican heya, 4 weeks (4x7) is 28, November has 30 days. Every month except for February, on non leap years, is more than 28 days/4weeks.

@@melissayoutube Lol thank you for the calendar lesson. My point is that if you pay for your rent on Fridays and there are only 4 Fridays this month, that's how many times you pay rent. If there are 5 Fridays you pay 5 weeks rent.