Hi everyone 💖This video was filmed at the beginning of the month and I'm sorry it took so long for me to get it up. I'm also sorry it's so short LOL! I filmed for an hour but it cut down to only 22 mins... Love you all!
@ulianabakhtiyarova6872
11 ай бұрын
No need to apologize! We appreciate any content that you share with us 😊
@tamaraesquivel7663
11 ай бұрын
Congrats on 50k 🎉💖
@estrellasilva4995
11 ай бұрын
No need to apologize, besides ur giving variety to your audience, which I think is very thoughtful and should be appreciated
@UghUgh1234
11 ай бұрын
Long post, but helpful: With the sinking funds, gather a list of sinking funds that are your “for sure” items throughout the year. Ski pass, Christmas, etc. add them all up. So if they all totaled $1,800. Then you divide that by 12 and save that much every month all year. If you do it with everything you can think of for the whole year, it smooths out your spending for the year. That way, when you make extra money, you don’t have to think about what you “should” do with it, you know everything else is covered and you know what it truly “extra”. Then you can decide what you want to do with it, blow it on whatever, put it towards saving goals, etc..
@ZoePritchard
11 ай бұрын
extra genius!!! thank you!!
@dooodies_art
11 ай бұрын
Sold my house and paid my debts completely!!! And I already have a cash down for my future home!! Big highlight for this month!!!
@ZoePritchard
11 ай бұрын
woooo so amazing!! so happy for you 💖💖
@gabrielbruhnr
11 ай бұрын
Honestly this cannot be overemphasized, helping people mitigate unforseen circumstances and mistakes, that's why I hire aid in my investments and saving
@rosamondhazell2149
11 ай бұрын
Congratulations 👏👏on your 50 k. My win for September, paying cash for my vacation ticket, for vacation spending and for my pet boarding. So happy I created sinking funds. ❤️
@ZoePritchard
11 ай бұрын
let's goo!!! amazing highlights and thank you 💖💖
@poppycalliope
11 ай бұрын
You can "steal" the no spend week idea Zoe and everyone watching can too 😂 CONGRATULATIONS ON 50K SWEET ZOE!!!! I'm so so happy for you 👏 the silver youtube plack is coming soon i know it ❤
@ZoePritchard
11 ай бұрын
omg thank youuu! 💖💖💖
@brucealford2527
11 ай бұрын
Great idea!
@Liana-122
11 ай бұрын
50k🎉🎉🎉🎉🎉🎉 congrats girl! So happy for you!
@ZoePritchard
11 ай бұрын
thank you Liana!! thank you for being on this journey with me 💖
@Liana-122
11 ай бұрын
@@ZoePritchard ❤️❤️❤️
@AllatOncewithAmanda
11 ай бұрын
My money highlight was putting enough extra money towards my last student loan to guarantee I pay it off by the time I turn 30!! I’ve also been selling a lot more stuff on marketplace and the extra cash has been niiiice
@ZoePritchard
11 ай бұрын
omg amazing!! love all of this 💖
@0wlyssa
11 ай бұрын
I love your new segment! It’s something I try to do in my own finance journaling, and it’s so empowering and encouraging to point out the wins. This past month, I was able to use a retroactive “bonus” (cost of living adjustment) and a magic month to pay off a good portion of my debts and get ahead with next month’s bills. It was a great feeling, because I usually feel like I burned through any bonuses that I had gotten in the past - to the point where I’d wonder where the heck the money went lol! Loved this and so excited to see where the next month takes you! xx
@ZoePritchard
11 ай бұрын
fantastic!! great win and thank you for the kind words 💖
@maloumasereel966
11 ай бұрын
O-oh, I was just about to go to bed haha, do I watch this now or delay my gratification 😂 I’ve been binge watching your videos after finding your channel and I have to tell you, your videos are so comforting! I like how you talk about finances (something I love) but couple it with all other things that make up a happy life 🥰
@maloumasereel966
11 ай бұрын
Also, I’m starting my first real job mid november and your videos have been really inspiring for this phase in my life!
@ZoePritchard
11 ай бұрын
Thank you soo much 💖💖 This really means a lot to me as it is exactly my goal with my channel. Congrats on your new job!!
@maloumasereel966
11 ай бұрын
@@ZoePritchard You are killing it!! & thank you! 💖
@equaloskat
11 ай бұрын
Congrats ❤❤ I remember finding your channel in the beginning of last year when I started my internship because I was afraid of lifestyle creep so I watched your video on it and stuck with your channel ever since. Happy for your growth 🫶
@ZoePritchard
11 ай бұрын
omg thank you for your support and for sticking with me 💖💖💖
@shess1640
11 ай бұрын
I love the Spent On Credit envelope. That's where so many can go wrong. This is a great way to protect yourself from yourself. 😊
@ZoePritchard
11 ай бұрын
yess!
@melaniematthews5359
11 ай бұрын
Congratulations Zoe on your 50K! Yeah!!
@ZoePritchard
11 ай бұрын
thank you so much!!! 💖
@ericaashleyxo
11 ай бұрын
CONGRATS ON 50K ZOE!! 🥳 I’m so happy for you. You deserve all this growth & success. You are one of my greatest comfort KZitemrs and keep me motivated to stay organized in all aspects of life while staying kind to myself. Sending you lots of love and wishing you all the best!
@ZoePritchard
11 ай бұрын
im gonna cry 🥹🩷 thank you my love!!!
@carolinekouba-marquet695
11 ай бұрын
Happy 50k !! 🎉 This video was so cute, you look so happy 🥰
@ZoePritchard
11 ай бұрын
ah thank you Caroline!! 💖
@jessssalemme
11 ай бұрын
Thanks for sharing! You have inspired me to start sharing about my spending and budgeting on my own channel, filmed my first what i spend in a month yesterday and am excited to be more open with this with my subscribers too. We need more budgeting and income transparency, especially as women! 💗
@ZoePritchard
11 ай бұрын
yesss love this 💖
@laurahartmannfilms
11 ай бұрын
Congrats on 50k!! 🥳 you’re glowing in this video!!
@ZoePritchard
11 ай бұрын
thank you Laura!! sooo much 💖
@Carolineds97
11 ай бұрын
My money highlight this month was realising that money spending is so connected to emotions. Understanding when I am overwhelmed makes it easier to prevent feeling out of control and spending recklessly.
@ZoePritchard
11 ай бұрын
Amazing! I so relate to this
@marynahoum
11 ай бұрын
Money wins for September is contribution 1.5k to my FHSA account! 😭
@ZoePritchard
11 ай бұрын
ahhh thats amazing!!!
@lianelikes
11 ай бұрын
Your video came at just the perfect time! Your perspective on cash envelopes and budgeting is so inspiring. Thanks for sharing.
@ZoePritchard
11 ай бұрын
that's amazing!! thank you so much 💖
@marynahoum
11 ай бұрын
Congrats on 50k 🥳🎉
@ZoePritchard
11 ай бұрын
thank youu Mary!! 💖
@Maria_Rose_Fowler
5 ай бұрын
Hi Zoe! I’m new to your channel and love it so far! I just have one thing lol, I’m a retired banker so it’s the banks fault but when I see bills going in every direction, it drives me crazy!! lol it’s so much nicer if all your bills are facing the same way and organized. I remember I had customers who would bring in cash to deposit and every single note was disorganized so honestly just to show them what we had to go thru I would organize the bills in denomination and all facing the same way face on top of face, and they would huff and puff lol. Next time they would come, their cash was in order! 😄😄
@ZoePritchard
4 ай бұрын
hahaha i get it!!! when im not in a rush and paying attention, i try and put them in order 😂🫶🏼
@MichelleMonstera
11 ай бұрын
Hi Zoe! Can you explain the difference between your emergency fund and your "one month ahead" fund? When do you use the latter fund? Thanks!
@ZoePritchard
11 ай бұрын
great question! I use one month ahead every single month to pay my rent and take out cash. Then I re-fill it throughout the month. My emergency fund is for situations where I don't have enough money... in tougher times I've used it to pay rent but fortunately I've not had to touch it for many months!
@OrdinaryEverydays
11 ай бұрын
Congrats on 50k!! I started watching your videos earlier this year and always love your vibe and attitude! And YES library- the library is the best. 📚✨✨
@ZoePritchard
11 ай бұрын
thank you so so much!! 💖
@stephaniecoleman9689
11 ай бұрын
the ski passes are just insane in CA! but you're right, it's a great way to have fun in the winter as well as an incredible workout. I'm planning on setting aside $50+ in a cash envelope for every day that I use the ski pass to set aside for next year's pass. thanks for all the inspo!
@ZoePritchard
11 ай бұрын
that’s so smart!! such a good idea 😍
@SOFBudgets
11 ай бұрын
Love the cash stuffing that you do!!! I can vouch and say that i've saved so much and has gotten better control of my spending habits by using the cash envelope system
@ZoePritchard
11 ай бұрын
amazing!! thank you 💖
@jasminkln
11 ай бұрын
The Christmas sinking fund is great👍 I still remember you feeling bad about Christmas last year so that's such a great accomplishment 😊
@ZoePritchard
11 ай бұрын
woohooo yes can't wait!
@WithSandra
11 ай бұрын
Congratz on 50k Zoe!! ❤
@ZoePritchard
11 ай бұрын
thank you for all your support Sandra xoxox 💖
@MessyMountainHair
11 ай бұрын
My money highlight in September is selling my van that I lived in for 6 months and paying off all the debt that came with that purchase. Including the loan and the $1600 of credit card debt that I used to build it out.
@ZoePritchard
11 ай бұрын
wow amazing!!!! 🩷🩷
@Briannawegsend1
11 ай бұрын
Got a relocation bonus! Paying down my husband’s truck, on the road to being debt free!
@ZoePritchard
11 ай бұрын
amaaaazing!!
@shess1640
11 ай бұрын
Thrilled you are now part of the library system....it's your new free bookstore!
@ZoePritchard
11 ай бұрын
yessss 💖
@thirteenwolfies
11 ай бұрын
I love your video! Congratulations on paying off your debt Zoe!♥️ Could you give an example of the category “treat yourself”?
@ZoePritchard
11 ай бұрын
thank you!! here are a few examples (for me): buying a new piece of clothing, new makeup, new water bottle (like a Stanley lol) anything that is more of a "want" than a "need". :)
@ldg44
11 ай бұрын
My big financial win; I worked a ton of overtime in my job due to the wildfires in BC. Made gooood money on 2 paycheques because of it. I'm also happy I could help out too.
@ZoePritchard
11 ай бұрын
Win win!! love it 💖
@dinagalall
11 ай бұрын
Another great video! Congrats on 50K Zoe 🎉 I am so happy for you my friend ❤
@ZoePritchard
11 ай бұрын
thank you Dina!! 💖💖
@BadGalBudgets.
11 ай бұрын
Omg yes to coins feeling like bonus money 😂 you always forget about my coins and then it's a nice surprise 😂❤
@ZoePritchard
11 ай бұрын
exactly 😂
@valle07
11 ай бұрын
Money highlight was saving a little bit more than 1k from my first paycheque in october 🎉🎉
@ZoePritchard
11 ай бұрын
AMAZING!!
@curefansc
11 ай бұрын
My money highlight for September was getting a refund for overpaying on heating oil for the year!
@ZoePritchard
11 ай бұрын
woohoo!! love it 💖
@molliemahaffey7469
11 ай бұрын
Great video!!! ❤🎉
@ZoePritchard
11 ай бұрын
thank youu!!
@SReid111
11 ай бұрын
A no spend week each month works out to three months of no spending over a year!🎉
@ZoePritchard
11 ай бұрын
soooo true!! that's amazing!
@mwakie
11 ай бұрын
Zoe congrats on 50K subbies🎉🎉🎉
@ZoePritchard
11 ай бұрын
wooohoo thank you for all your support 💖
@julianajb
11 ай бұрын
Congrats on the 50k!! ✨😍
@ZoePritchard
11 ай бұрын
woohoo thank you!! 💖
@amypennebacker4941
11 ай бұрын
I'm on a no-buy this October!
@ZoePritchard
11 ай бұрын
woohoo lets go!! you got this
@robyn_southafrica
11 ай бұрын
My favourite type of video 😃😃
@ZoePritchard
11 ай бұрын
yayy!! 💖💖
@madyson93
11 ай бұрын
I love watching your videos...I just bought some envelopes to try the budgeting system...It's hard for me to stay on track. Hope this works :-) Keep up the good work.
@ZoePritchard
11 ай бұрын
thank you!! wishing you good luck with it 💖 Give it a few months to get used to it and I promise you will see results.
@maryellengutierrez2140
11 ай бұрын
Enjoy joy your videos 💕
@ZoePritchard
11 ай бұрын
💖💖
@danafelipe1939
11 ай бұрын
Canada's currency is so beautiful!!
@ZoePritchard
11 ай бұрын
thank you!!
@simplgab
11 ай бұрын
✨My money highlight of the month was taking 750CAD$ in cash while travelling to visit my family to offer this cash to some family members that are so thankful for it. I combined the budget of several spending categories for the month, such as shopping, personal expenses, gifts,… to be able to do this and it’s so rewarding. I feel very appreciative of the fact that I have the capacity to do this and I’m also happy about doing it within my monthly budget somehow.
@ZoePritchard
11 ай бұрын
wow this is so beautiful!!! thank you for sharing 🩷🥹
@UghUgh1234
11 ай бұрын
Do a sinking fund for your ski pass every year!
@ZoePritchard
11 ай бұрын
genius!!
@Jaragreene
11 ай бұрын
Loose change might feel like that with Canadian currency because yall utilize more 1/2 dollar coins more
@ZoePritchard
11 ай бұрын
totally!!
@MichaelValenzuel4
11 ай бұрын
Great video! For no reason now. I am starting to fear money again and starting to get into my old habits. I make good money. I’m looking at this car. I wanna buy it. But the interest rate is so high and the mindset on saving for that is now creeping into my groceries and fun time. Do you suggest getting it? Or waiting till next year?
@ZoePritchard
11 ай бұрын
I feel you on the old thoughts coming back! I'd recommend taking some time to really reflect on the purchase and how it will make you feel on a day to day. Are you going to buy it and be so happy, or be stressed? Could your anxiety be your intuition telling you to wait or is it unnecessary fear? Only you know! Good luck 💖
@MichaelValenzuel4
11 ай бұрын
Interesting perspective. Thank you so much! @@ZoePritchard
@jasminkln
11 ай бұрын
Also congratulations for reaching 50.000 followers🙆
@ZoePritchard
11 ай бұрын
thank you for all your support Jasmin 💖
@stephaniepink6085
11 ай бұрын
I keep hearing you say you forget to bring your cash envelopes. Have you considered putting some of your grocery budget on a gift card to your favourite grocery store. It would be easier to keep in your wallet.
@ZoePritchard
11 ай бұрын
good idea!!
@siobhanod
11 ай бұрын
50k Zoe 🎉
@ZoePritchard
11 ай бұрын
soo exciting 💖😭😍
@jasminkln
11 ай бұрын
About the missing 10s can't you just change out the bills from Christmas/Spent in credit so it's the same amount, just other bills?
@ZoePritchard
11 ай бұрын
hahaha omg I did not think of this in the moment 😂
@shreyadhoot7164
11 ай бұрын
50 K 🎉🎉🎉🎉
@ZoePritchard
11 ай бұрын
woohooo 💖💖
@AbsoluteGears
11 ай бұрын
Gosh you’re so pretty I think I’m in love 😅 lol
@jonperrault8954
11 ай бұрын
Money Highlight: I bought a Nespresso machine!
@shess1640
11 ай бұрын
Great addition. I bought one for myself when I bought my first home. That was in 2005 and I still use it, nearly every day. You don't have to use Nespresso capsules. I'm currently travellling and have learned there are other brands that work with nespresso. Plus Costco often carries some by Starbucks or Peets for Nespresso machines.
@ZoePritchard
11 ай бұрын
love it!!! 💖
@davidparnell4675
11 ай бұрын
Hi zoe
@adel_budget
11 ай бұрын
Hi❤ nice me you! Savings❤
@interpretrebekah
11 ай бұрын
CONGRATS on 50K Zoe!!! it's been so amazing watching you grow and being by your side on your personal finance journey 🥰💰💖 I also started my Christmas sinking fund last month can't believe we are nearing the end of the year already 🥲
@ZoePritchard
11 ай бұрын
thank youu!! this means so much to me 💖 I too can't believe!
@SexxyTiime32
9 ай бұрын
Hi!! I’m new here ☺️ who’s Maggie??? I was hoping you would say in the video 😅❤
@patmartin9727
11 ай бұрын
I do a no spend week at the end of each month. This encourages me to eat out of the fridge freezer and pantry. It also makes me use up all the last bits of cleaning supplies and toiletries. This means I can put the money I don’t spend in this week into my savings. I have a gifts sinking fund which covers Christmas and birthday etc. I them allow myself all the extra food budget money from October and November for food and drink over Christmas and the New Year.
@ZoePritchard
11 ай бұрын
wow loooove this!! what a great system and routine ✨
@noelle8301
11 ай бұрын
Cheers to 50K!! And yessss library card!! 🎉🎉 I love the library. Also love the idea of a no spend week! 😊😊 My money highlight: I have planned out my money to payoff one of my credit cards by end of 2023!
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