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NOVEMBER MONTHLY RESET | goal setting, budget with me, income vs expenses + emergency fund 💰

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▸ INSTAGRAM: / smileycitrus
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★ FREQUENTLY ASKED QUESTIONS ★
✰ How old are you? 27
✰ Where are you from? I'm originally from England but moved to Adelaide, Australia when I was 9 years old. I also spent 2 years living in Toronto when I finished high school which is why the accent is a bit all over the place 😅
✰ When did you get married? April 2022

Опубликовано:

21 авг 2024

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Комментарии : 68

@jasmineaoun2816 9 месяцев назад

I don’t want to be negative Nancy here 😩 but I always look forward for when you post. I’m going through a breakup and I lost my sister recently so your videos really help me forget about things for a little bit 🤗

@maloumasereel966 9 месяцев назад

You’re not negative at all and I’m so so sorry for your loss 😔🤍

@jasmineaoun2816 9 месяцев назад

@@maloumasereel966 thank you gorgeous ❤️

@DonnasWonderland 9 месяцев назад

That’s not negative that’s really sad so sorry for what you’re going through glad you’ve found some smiles here ❤sending hugs

@smileycitrus 9 месяцев назад

oh my gosh, you're not a negative nancy at all! sending you so much love and healing 💛💛 my DM's are always open x

@nikkibott3878 9 месяцев назад

‘I’m actually pulling these numbers out of my arse’ 😂😂 Ella you do make me giggle x

@DonnasWonderland 9 месяцев назад

Hey Ella I have a challenge for you 😉 so on the posting twice a week thing which of course as a subscriber I’m totally here for why not make me of those videos a how I’ve taken care of myself this month video. You can maybe do an intro and outro and then voice over and just grab clips of the selfcare things you do, just the set up like running the bath or prepping the sofa with coffee and a book or taking 10 to play with Mabel in the garden. Making a video will make you start the thing the. You get to enjoy the thing and then you can share with us. Great way to stay accountable to yourself care and also encourage us in our self care too. Face mask anyone???? ❤❤❤❤

@emilyh1886 9 месяцев назад

Completely understand how it feels to take the fun out of reading by putting pressure on yourself to read. I also struggle when work is particularly tiring or stressful. Sometimes it just takes a particularly good book or break from work to get back into it :) Loved the reset, I'm always keeping an eye out for yours at the start of the month!

@smileycitrus 9 месяцев назад

yes! if work is busy I literally can't keep my eyes open for longer than a few pages 😭 & thanks lovely! xx

@xonekogairuox 9 месяцев назад

So looking forward to the morning routine! Giving 2015 RU-vid vibes and I love it

@smileycitrus 9 месяцев назад

Yes!! I can't wait 🥰 Thank you!

@matildadevere785 9 месяцев назад

I love your goals this month! Excited to see all your home update :)

@smileycitrus 9 месяцев назад

Yay! Thank you!

@janicew9 9 месяцев назад

Sometimes I have to remind myself that this is not in USD and our economic areas are very different! I live in a medium size city in the western area of the US and I work full time in banking, but my paychecks are less than your part time ones and it can bum me out!! Then I do the math and Im like okay...we are living in different areas doing different things but all hope is not lost 😂

@smileycitrus 9 месяцев назад

absolutely!! the USD is so much stronger than AUD right now 😭 it's not a fair comparison at all!! keep doing you 🫶🏼

@marcopisano256 9 месяцев назад

Just a suggestion. Instead of investing and risking your money trying to earn I’m assuming 7-10% pa with the risk of lower or potentially negative returns, why not put it onto the mortgage until it’s cleared thus effectively earning a guaranteed 6.5-7% or whatever your mortgage rate is? And also you’d be up for income or CG tax on any investment returns, whilst saving interest on your mortgage is tax free. Really enjoy your content.

@smileycitrus 9 месяцев назад

thanks for the suggestion & appreciate your comment! compound interest is a thing though!! something to thing about ☺️

@teganroosing217 9 месяцев назад

It’s almost 🎄christmaaaaaasssss🎄 Mabel’s first Christmas 😢

@smileycitrus 9 месяцев назад

omg stop 🥹 i'm emotional!!

@tahlia4189 9 месяцев назад

you're gorgeous, Ella! have a fantastic month xx

@smileycitrus 9 месяцев назад

you're so kind! you too lovely 💛🎄

@jessicaroper7400 9 месяцев назад

I've been waiting for this reset 😍

@smileycitrus 9 месяцев назад

eeek Happy November!! 🥰

@kimthatcher5952 8 месяцев назад

I PANICKED when I saw your groceries bill but then felt so much better when I saw the takeaways and eating out lines. It all makes sense now haha. I was like wtf we spend $1200-$1500 ish on groceries a month but never eat out. Maybe once every 2-3 months. So I feel on par over all haha

@smileycitrus 8 месяцев назад

that's so impressive!!

@edwardleecaliforniausa 9 месяцев назад

Hi Ella happy Thursday night and I hope you having amazing day today and I loved your vlogs and you are amazing Supporter

@smileycitrus 9 месяцев назад

Thank you! You too ✨

@edwardleecaliforniausa 9 месяцев назад

@@smileycitrus your welcome sending you hugs ❤️ 🤗

@ThatsSoJasmine 9 месяцев назад

Love these videos! I really wish I was more invested in my finances and being more organised - we have an offset account from our mortgage so pretty much use that as our spending/saving/emergency fund account. When you say you put money towards investing - what do you invest in and how? ☺

@smileycitrus 9 месяцев назад

thank you!! 🥰 you've gotta do whatever works for you- if ain't broke, don't fix it! We invest in ETF's for now- i'd recommend speaking to a financial advisor or doing research first xx

@bmm772 9 месяцев назад

When the budget is 0 but your categories/budget is over how does that work? Hope that makes sense ❤

@allee541 9 месяцев назад

Hi Ella interested to know how you budget for say travel if you have take it out of savings account that was specifically for that. Do you include in your every day monthly budget when you are using money that hasn't come from regular pay. I feel like it doesn't really reflect accuratley if I am adding it to my monthly spending but the funds have come from a savings account. Hope that makes sense.

@maloumasereel966 9 месяцев назад

I have the same question!

@eghe12345 9 месяцев назад

I added a spot in the income area for saving and set it to the same amount in the expense area that I was using my savings for. That way it’s accounted for but the money is coming from the “savings income” and not “pay check income”. I hope that helps!

@allee541 9 месяцев назад

That definitely helps thank you😀 Iike that idea!@@eghe12345

@1esk192 9 месяцев назад

I decide how much I want to spend travelling, divide it by 12 and then budget that sum every month.

@kokyshawilkins6721 9 месяцев назад

My big goal is to graduate from college in April of 2024... I am 32 years old and went back to school while been a stay at mom and wife

@smileycitrus 9 месяцев назад

that's amazing!! you should be so proud 🫶🏼

@kokyshawilkins6721 9 месяцев назад

Thank you!

@rebeccastokes4056 8 месяцев назад

Do you have any videos or information on the surveys? Thank you! 😅

@BudgetwithVee 9 месяцев назад

Love the video Ella wow such a great amount to put towards savings and debt

@smileycitrus 9 месяцев назад

thank you!! 🥰

@nataliefedden-gt6ky 9 месяцев назад

I'm curious how you organise different accounts for different savings goals (emergency fund, car, rainy day etc). Is it literally different account or pots within an account like Monzo ?

@maloumasereel966 9 месяцев назад

I’m wondering too, I don’t think we can do multiple buckets in one account in Belgium or maybe you can but it costs more

@nataliefedden-gt6ky 9 месяцев назад

@@maloumasereel966 it does not seem possible in most UK current accounts either. I believe Monzo have the option for savings pots if that's available in your country!

@maloumasereel966 9 месяцев назад

@@nataliefedden-gt6ky I’m personally planning on putting it all in my one savings account and keeping track of the amounts in an excel sheet. That might work as there’s not a lot of money going in and out every day

@EmsFitVenture 9 месяцев назад

I am in the US but Ally has a high interest savings account that allows you to create buckets for various savings goals. I love it!

@nataliefedden-gt6ky 9 месяцев назад

@@EmsFitVenture thanks! I don't think that's reached the UK yet but I'll keep my eyes out 👍

@moerani18 9 месяцев назад

Hi Ella, new follower here :D Question, where can I get a budget/goal template like/similar to yours? You are inspiring me to get a lot more organised with my finances but a lil lost on where to start. Thanks! From NZ x

@smileycitrus 9 месяцев назад

Hi!! welcome 🥰 link is in the bio to the budget template and my code SMILEYCITRUS70 will save you $$

@moerani18 9 месяцев назад

@@smileycitrus Thanks lovely, I didn't think to check!

@BudgetDownUnder 9 месяцев назад

Why helllllur Ella Schmella!! 😘

@smileycitrus 9 месяцев назад

helluuuur 🥰

@BudgetDownUnder 9 месяцев назад

I am here & ready for all th Christmas tings & crafting! 🤩🤩🤩 loved th reset!! 👏🏽

@KattsLife 8 месяцев назад

❤❤❤

@jorigenamimita989 9 месяцев назад

yeyyy 🎉🎉

@janicew9 9 месяцев назад

Can you explain what an offset account is?

@smileycitrus 9 месяцев назад

google says: An offset account is a transaction account linked to an eligible home or investment loan. The benefit of an offset account is that the money you have in this account can be used to “offset” the amount you owe on your home loan, and you'll only be charged interest on the difference. Basically means if you have a loan of $200,000 and $50,000 in your offset account, you'll only be charged interest on $150,000 as that $50K is offsetting the loan. Hope that makes sense!