Reflecting on my 2023 Money Goals 💸 ✅ Saving, Investing, Debt, & Earnings exact amounts

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In this video, we are going over the 9 personal finance goals I set for myself at the beginning of 2023. I think it is so important to reflect on our achievements (and potentially our flops) before setting new goals for New Years 2024. We talk about my $13,000 debt repayment, my saving and investing strategies, lifestyle creep, how much I earned this year, and much more! I hope you enjoy!
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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 💝

Опубликовано:

13 дек 2023

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Комментарии : 83

@ZoePritchard 7 месяцев назад

did you notice the sun setting throughout the video? 🤗

@noseporquien 7 месяцев назад

My 2023 goal was to save $10,000. I exceeded that and saved $13,000. My main goal for the new year is to improve my skills to land a higher paying job. That’s all I want in 2024. A job that pays more.

@ZoePritchard 7 месяцев назад

This is fantastic!!! You got this for 2024, can't wait for next year to see you achieve your goal

@c.wheezey1665 7 месяцев назад

You and me both, I wish you luck!

@Alex-oj1cg 7 месяцев назад

One of my (rather insane) goals in 2023 was to save 1M PHP (roughly $18k), which is a lot of money considering where I'm from. At the time, I was working two full-time jobs and I was going crazy! Halfway through the year, I quit one of my jobs and essentially cut my income by half; but increased my quality of life ten-fold. Now, almost at the end of 2023, I am likely to only hit 10% of my initial goal, but that's okay with me. I went on two international trips this year and I had the time of my life!! I'm looking forward to 2024 to finally have better control over my finances.

@libbysworld7649 7 месяцев назад

Each month in my checking account I designate $100 as a line item called "checking buffer". All of my money has a job. That $100's job is to add to our buffer in our checking account beyond our bills, investing and savings. I love having an extra bunch of money in there for the peace of mind aspect. We are carrying over $1000 into our 2024 budget. That will continue to grow in there, however, if we need that extra margin we have it.. It's nice. Also, the fact that your government is not allowing you to save for the home fund bc you live with someone, seems really unfair. I'm sorry they did that to you. Great video. Very inspiring. Congrats on crushing those goals, girl!

@carriehawkins9103 7 месяцев назад

My goal was to get my student debt down to $35000 and I got it down to $28500!

@ZoePritchard 7 месяцев назад

that’s INSANE!!!! 😍 great work!

@DeniseONeal-jw7ms 7 месяцев назад

One of my 2023 goals was to get a part time job (side hustle). I landed two and quit both 😂

@siobhanod 7 месяцев назад

My goal this year was to save 12000, managed to save 10000 but still happy with that

@emilyl3573 7 месяцев назад

I just love reviewing financial goals! My goal was to make $200 in passive income and I made $202!! Going to double it to $400 and lets send positive vibes it will happen!

@thehomeless_trucker 7 месяцев назад

Getting two months ahead helped me a lot. So December's income pays for February's bills. This works well when you don't get paid consistently.

@maloumasereel966 7 месяцев назад

Where do you keep the money if you don’t mind me asking? ☺️

@thehomeless_trucker 7 месяцев назад

@@maloumasereel966 I keep it simple and keep it in my checking account. But common advice is a high yield savings account and make transfers to your checking account when you need the funds. I use YBAB to budget.

@robynweyeneth1531 7 месяцев назад

How did you do it??

@thehomeless_trucker 7 месяцев назад

@@robynweyeneth1531 To get a month ahead, it's just about putting any extra funds towards your budget for the next month until your next month's budget is full before the 1st. This will likely take at least a few months to do and you'd just repeat that to get two months ahead. If you have a solid emergency fund, you can relocate some of those dollars to get 1-2 months ahead in your budget. I actually budget into the next month using YNAB (youneedabudget), but many just have a "next month" category and put thr extra funds into that until the next month rolls over and then they budget those funds for that month. You aren't actually prepaying your bills, you just have the funds in your account available.

@mariadevoto7254 7 месяцев назад

2024 will be the best year for goal setting because it starts on a Monday!

@ZoePritchard 7 месяцев назад

WHAT I DIDN'T REALIZE THIS! OBSESSED 😍

@noelle8301 7 месяцев назад

I so understand going out to get your nails done! 💅 I tried this for 3 months and decided it was a non negotiable 😊 also you are justified even to have an indoor parking spot even without those vandalism issues!!

@ZoePritchard 7 месяцев назад

❤️❤️

@LeendaRella 7 месяцев назад

I’m so proud of you! I remember when you lost your job and you leaned into RU-vid and look at you now❤

@ZoePritchard 7 месяцев назад

this makes me wanna cry 🥺❤️ thank you

@interpretrebekah 7 месяцев назад

I totally understand the parking-your-car-in-a-city situation! I live in LA and I refused to consider any apartments that do not have a parking option (which is a lot!). there's nothing worse than coming home from a long day of work and circling around until you find a parking spot, remembering to move your car on street cleaning days to avoid getting a parking ticket, the fear of vandalism and theft etc! the extra money is so worth your peace of mind 🚙🤸‍♀

@ZoePritchard 7 месяцев назад

EXACTLY!!!

@greenlantern1986 7 месяцев назад

Getting ahead and being able to budget for the next month with money already in the bank feels as good as being debt free. You can do it!

@cactusflower8449 7 месяцев назад

hey! it's the i got laid off sweater. i'm a subscriber since then, time flies lol (and you've come so far 💕)

@ZoePritchard 7 месяцев назад

ahahaa it IS the i got laid off sweater 😂 I still love it though

@arnita_sur 7 месяцев назад

Loved the nature of info in the video❤

@TonyaS 7 месяцев назад

Congrats on reaching so many of your financial goals!! That’s something to be super proud of! Best wishes for the next year. Ps i used to live in seattle where finding parking was a nightmare so I totally get paying for a spot!

@poppycalliope 7 месяцев назад

You did incredible with your goals Zoe! A big congrats 👏💗 I feel like you had really good and specific goals and throughout the year you had a great system in order to achieve them, very organized and determined ❤

@interpretrebekah 7 месяцев назад

congrats on achieving so many of your personal finance goals 🤸‍♀🥰💓 i've loved following along and seeing your growth this year! my own 2023 goal was to finish saving our downpayment for a first home and i'm so proud to say that my partner and i achieved that 🥲 we moved into our new home back in september!

@aspence04 7 месяцев назад

I appreciate your videos so so much! I found you at exactly the point things were really clicking for me and I knew I couldn’t keep doing what I was doing with my income/savings (or lack thereof). I appreciate your transparency so much and it’s helped me a lot to have better goals and expectations for myself. Thank you!!!

@ZoePritchard 7 месяцев назад

hiii thank you for the kind words ❤️ this is so lovely!

@minavu474 7 месяцев назад

Congrats on finishing off 2023 strong Zoe. I've been watching every single video of yours lately and I am inspired to be on this budgeting/financial freedom journey with you. Thank you for your videos. I wanna ask do you put your emergency fund in a high interest saving account so you can access right away when needed, or do you put it to investing like TFSA? and is it better to have separate accounts for each of these funds (emergency and sinking funds)? Hoping to see more videos from you in 2024 xoxo

@DC-cd5tv 7 месяцев назад

So proud of you also. An inspiration to all and look forward to 2024 goals and all of the videos you will make in 2024. Congratulations on your success, Zoe.

@ZoePritchard 7 месяцев назад

you are so kind, thank you ❤️❤️❤️

@dinagalall 7 месяцев назад

That is amazing! You inspire me so much Zoe. Looking forward to celebrating the 10K emergency fund with you. You got this 💪

@ZoePritchard 7 месяцев назад

aw thank you my love Dina ❤️❤️

@dinagalall 7 месяцев назад

🥰@@ZoePritchard

@jessicatounkara8753 7 месяцев назад

Love this video.

@kellylee_p9076 7 месяцев назад

Your hair is getting so long!!! ❤ loved this video so much! Got me all inspired for 2024! Xx

@williamwarren9448 7 месяцев назад

I sold my car ..: and bought a new one … I would like to pay it off before hubby retires in June … it will be a stretch but do able !!!! So you reached some of them and really you will continue on make more progress every month !!!! 2024 is going to be an awesome year !!! Glenda in Mesa

@jimv77 7 месяцев назад

Glenda, are you in your 60s?

@jonathancalandra1220 7 месяцев назад

Luv your videos u are soo smart and informative keep on duing what u du 💙👍😉

@emmagracie9272 7 месяцев назад

I loved what you said about being grateful for accomplishing goals you set. I went through a personal struggle earlier this year bc my work prob won’t give any raises forever bc I’m considered top of my band when I was hired and felt resentment and also probably a little bit disappointed I didn’t achieve a raise, but realized growth doesn’t have to be constant or exponential. I still saved and earned $400k net (from income and interest and investments) from last year which is something to be proud of and there’s no buts or pressure to do better. Wanting to always one up yourself creates needless pressure on yourself. My goals both financial and personal is to do what I did this year and previous years, which is to put mental and physical health first, spend on things that help that and then save and invest the rest. I didn’t even set a number bc it’s not helpful to put a number at this point in my saving career and just working to enjoy, be content and proud of myself.

@ZoePritchard 7 месяцев назад

amazing!!! 🩷🩷🩷💸💸💸

@DugHoles1 7 месяцев назад

Hit my three big goals. Paid off the house, maxed out 401K and Roth IRA.

@ZoePritchard 7 месяцев назад

INSANE!!!

@tvdloverxx 7 месяцев назад

My goal for 2023 was to save 20k for my bathroom rénovation. I did it (!!) and ended up spending only 15k by doing it myself. More money for Christmas gift ! 😊 Love watching your videos

@ZoePritchard 7 месяцев назад

woaaaah this is fantastic and so inspiring ❤️ great job!

@loudresviennadeaires 7 месяцев назад

Yay! Congrats on hitting most of your goals! 🎉My main financial goal was to invest at least 70k but I exceeded that which I'm super happy about. Second year in a row 🎉 Might switch it up next year, not sure yet.

@ZoePritchard 7 месяцев назад

woaaah thats amazing!! congrats 💸❤️

@nadaxx7208 7 месяцев назад

I wanna start investing but I don’t know where to invest? Can you recommend to me based on your investments please

@interpretrebekah 7 месяцев назад

commenting again 😂 sometimes I feel like we are the same person because I also feel that way about my emergency fund - i never wanted to dip into it because what if a BIGGER emergency comes up before I can replenish it?! now i have a separate "life happens" fund I use for unexpected situations that don't really feel like an emergency. this makes me feel better saving my EF for bigger issues such as health-related or job loss.

@elizamartin4263 7 месяцев назад

This is a really good solution!

@ZoePritchard 7 месяцев назад

wait this is soo good!! but how do you break the urge to not dip into the "life happens" fund 😂

@interpretrebekah 7 месяцев назад

@@ZoePritchard for me, it’s to have a million other sinking funds 😂 similar to you, i have a pet, christmas, vacation & healthcare fund. i also have a shopping and car fund. i know it’s excessive but all these diff sinking funds help me with not dipping into life happens fund straight away 😂

@carolinanu88 7 месяцев назад

Congrats 🎉

@ZoePritchard 7 месяцев назад

thank you ❤️❤️

@BCurlyfries 7 месяцев назад

My goal was to pay off my car. And I did! But the rest of the goals did not go so well 😅

@rubybabiera6407 3 месяца назад

I was watching this I’m getting the line rn

@nubiantroll1676 7 месяцев назад

I’m so sad my pink peony order was cancelled but thank you for the virtual version. Still very pretty. Now I need to budget in an ipad ! 😅😆

@ZoePritchard 7 месяцев назад

I'm so sad too!! I can't believe the order got lost on it's way to us and I'm very sorry 😭 I hope that we will re-stock soon! And thank you so much for your purchase 💖

@nubiantroll1676 7 месяцев назад

Definitely will repurchase when back in stock!

@ZoePritchard 7 месяцев назад

@@nubiantroll1676 yay!! we took down everyone's names who were part of the missing batch and you will be given priority 💖

@rubybabiera6407 3 месяца назад

I am having trouble with understanding how to use the line tho. Like for example. The budget and actual

@janieralston2638 7 месяцев назад

Nice job Zoe 🎉 I am in the US and “partner” in a legal sense typically refers to a domestic partnership, could this be the case for the first time home buyers savings account? Might be worth double checking what the definition is of “partner” for the account.

@ZoePritchard 7 месяцев назад

I did 😭Here is means living together for a year so in March I will be ineligible sadly

@janieralston2638 7 месяцев назад

Ugh! That is a bummer. You will crush your savings goal regardless 🔥🔥🔥

@NaivaAlfred 7 месяцев назад

Hey Zoe, can you please make a video about how you invest on Wealthsimple please !

@ZoePritchard 7 месяцев назад

hi!! i just use their funds... super easy!

@justmo2023 7 месяцев назад

❤❤❤

@ally_marie 7 месяцев назад

Love this video, Zoe! Your code for The Line is not working :(

@ZoePritchard 7 месяцев назад

Hi!! Sorry for the delay, it is fixed now 💖

@bee42Sad 7 месяцев назад

Are you sure about your partner affecting your eligibility if you aren’t married or common law? My read of it was that you would be eligible. I’m in the same position with my partner.

@ZoePritchard 7 месяцев назад

I know I thought so too but unfortunately, common law is living together for a year or more, so in March I will no longer be eligible... it's such a bad rule imo 😭

@bee42Sad 7 месяцев назад

@@ZoePritchard Good catch! I was operating under Ontario's rules which is three years. But I see the Federal rules are one year. This is confusing! To add to the confusion, Quebec is two years.

@ZoePritchard 7 месяцев назад

@@bee42Sad they don't want us to succeed 😭I got into a whole rant about this with JS but someone could seriously get super screwed by this rule... like imagine you live with your partner, they own the home, they dump you high and dry, you've got nowhere to live AND you can't use an FHSA! anywaaaays... haha

@bee42Sad 7 месяцев назад

:( I know. And with housing costs being what they are, it is most economical to move in early and share expenses. @@ZoePritchard

@Samadlove 7 месяцев назад

Safia my money saving goal for 2024 my savings goal my wedding and a trip to Egypt.

@ZoePritchard 7 месяцев назад

amazing ❤️

@naeemajonhson9589 7 месяцев назад

My goal for this year was to save 10K in my emergency savings account, and even tho I don't make much, I made it a goal to save that in ten months (1k X 10) and i hit it!!! It was low-key hard but now she can chill in my HYSA until it's needed. I'm so grateful to be able to have done that!! New goal for 2024 is to help my mom outta debt asap! 😃 On the topic of your beautiful Maggie, I think you should keep a cash sinking fund of 500, then put the rest into a separate hysa , but just obviously keep money for food, toys and treats monthly (that's what my sister does, and it works out 😀) loved tgis video, new subscriber here! 🤍

@ZoePritchard 7 месяцев назад

hiii! love this comment, so beautiful to help your mom out of debt. you sound like a smart and hardworking gal! 🩷🩷✨