You don't need to justify a single element of that purchase. You work hard. You could afford it. You got it. Brava diva! Rewarding our hard work with an occasional big treat is a wonderful thing---it's part of a healthy balance in life. You owe zero excuses.
@ZoePritchard
Жыл бұрын
thank you Julie!! 🩷🩷🩷🤍
@aoifekeary2
Жыл бұрын
It's hilarious how much I talk about your videos with my boyfriend! Your videos have helped me get my finances straight in my head, I have been budgeting with the help of your videos for multiple trips this year, just went to Amsterdam and went over budget by 75 euro but it was an amazing holiday 😁 just the fact that I know how much I've spent is fantastic and a great step forward. I bought a binder for cash envelopes to start this month so I'm looking forward to getting started on that too! I love watching your videos, you're the same age as me and it feels like a sister/ friend chat when I watch your videos ❤️
@katerinavlckova2547
Жыл бұрын
First month with cash envelopes. First month I think I might actually do it. I might stick to my budget and save some money. Makes me ridiculously happy and you actually made me try that!
@ZoePritchard
Жыл бұрын
this is so amazing!!! congratsss! I'm so happy for you, and proud of you! bask in that ridiculously happy feeling hehe you deserve it
@cschaubhut
Жыл бұрын
the cash envelope system changed my life too, I have been able to be more comfortable with my money. there was one paycheck that I didn’t cash out and I spent it so much quicker. I still paid bills but I noticed a HUGE difference. I think it’s because I’m a visual person
@amarashy7013
Жыл бұрын
I watch different channels on finance and budgeting and I have to say living in the U.S. our money is so plain and boring you guy’s in Canada and UK have such pretty cash!! 🥰😂♥️
@CaseyLarochelle
Ай бұрын
Watching this exactly a year later. Love your videos 🥰 makes me feel like I can do this
@noelle8301
Жыл бұрын
Thank you so much for a great video! You inspired me to actually create a budget and start using cash envelopes and I feel free because of it!! Money now has a purpose!
@ZoePritchard
Жыл бұрын
woaaaah this is amazing!! good job, so happy for you 🩷
@Bantufro
Жыл бұрын
Zoe what you do is so inspiring thank you for being so transparent you are helping me so much! ❤
@ZoePritchard
Жыл бұрын
💖💖
@meredithmorales1332
Жыл бұрын
You’re a fun person. Thanks for sharing positive money mindsets with us!
@kellylee_p9076
Жыл бұрын
Zoe!! ‘You’re a girl on the internet’ who we love, who inspires us, who always keeps it real! The internet needs more girls like you!!! Xx
@ZoePritchard
Жыл бұрын
I'm gonna cry!! Thank you 💖 Love you too!
@Nanni-uh3kc
Жыл бұрын
👍 I am budgeting since 10 years, I am a fifty years old a teacher with two kids. And even I am well paid in Germany, I needed the feeling of security. You're doing a great job and I love your videos.
@ZoePritchard
Жыл бұрын
Thank you so much!! 💖
@kira5612
Жыл бұрын
❤great video Zoe! As I started the video I immediately ran and made a hot chocolate, grabbed my journal, and started making my budget along with you. Currently I feel a lot of anxiety, guilt and embarrassment around my finances. I am still low income and don’t make nearly as much as a lot of 30 year olds, and I noticed in my observations of my spending that I have a pattern of spending out of fear “ what if I never have money for….” And I’ve realized that no matter the amount I make, the fear that’s rooted in my spending will always hinder me. And like what you’ve said in your videos changing our mindset is such an important behavior. And something else I’ve only really let sink in is that the amount of money I spend and the amount of material things won’t pacify my child self or the self that felt she needed something- and shopping can’t heal my emotional scars or fix the things in the past that I wish could be fixed or wish never happened. So that’s been a really helpful lesson and I wouldn’t have even started thinking of my finances being linked with my emotions or really anything deep had I not watched your videos. And although this comment is super long 😅 I did want to share that right when I got paid today I put 30% away in savings, and I’m very grateful for my income and the fact that I have any amount of money to save ❤ thanks for another wonderful video. I’m off to read all the lovely comments and chats here 😊! Xo Kira
@siobhanod
Жыл бұрын
I am low income too but as long as we can save something each month we can make it work
@kira5612
Жыл бұрын
❤️ I completely agree! I think watching these videos and reading all the comments has really helped me start to change my outlook especially with finances. Like you said as long as we can put a little bit away we will make it 😊!
@ZoePritchard
Жыл бұрын
Thank you for sharing, Kira!! So proud of you for working on your mindset 💖 Only good things can come from this!! aaaand 30% is AMAZING! hope you feel so proud of yourself 💕
@teresascafasci7027
Жыл бұрын
You totally deserved the Louis bag!!❤
@ZoePritchard
Жыл бұрын
thank you so much!!! i looove it 🤎
@phunt8551
Жыл бұрын
I love your videos because everything account for...i love your credit card envelope because it bring accountability, when you stop using it to pay your credit card then accountability stop... it is money that should have been paid by cash but you pay by credit card so it is only right that you pay the credit card. It is not extra left over money. Please don go down that road. I now have a treat yourself and credit card envelope because of you . Thanks for sharing....
@teresascafasci7027
Жыл бұрын
I think the envelopes should be on a day to day spending..its smart! 😊
@ZoePritchard
Жыл бұрын
thank you!! 💸
@christinemaecuevas1310
Жыл бұрын
Yay, August 🎉❤
@libbysworld7649
Жыл бұрын
Zoe, I appreciate you sharing the spreadsheet reconciliation with us. I know it's personal, but it helps us so much. Thank you!
@ZoePritchard
Жыл бұрын
🩷🩷🩷💻
@Justme_elizabeth
Жыл бұрын
Congratulations on your new bag 💗💗
@RB-zm4fk
Жыл бұрын
If you aren't afraid to work, the well will never dry 🙃 I know people who inherited millions & lost it in 5 yrs! They still have spending problems & now they have a family. They recently bought themselves a porsche cayenne when they don't have a property (they had heaps of inherited properties before but had to sell them). I also do know people who are worth millions who are tight assess and spending a dollar is painful 😅 I say be in the middle. Love your progress with budgeting. You used to look so stressed before 😘 ❤️ subscriber from Australia
@ZoePritchard
Жыл бұрын
💖💖 love this comment!!
@teresascafasci7027
Жыл бұрын
I can totally relate to alot of things you talk about and you make me feel so much better!
@ZoePritchard
Жыл бұрын
im so glad 🩷🩷
@degraziadnai7348
Жыл бұрын
"I'm not a expert..just a girl on the internet" Miss Zoey don't discredit yourself, you've help me SOOO much with finances!!
@ZoePritchard
Жыл бұрын
aw thank youu!!! but im still not an expert 😂💗
@williamwarren9448
Жыл бұрын
Enjoy your vacay ! Spend those saved dollars 💵 glenda
@evaantoniia
Жыл бұрын
I just started my first job, so I'm feeling confident about my finances right now but I'm always very conscious about what I spend and on what I spend it. I am not good at mental math either 😄
@ZoePritchard
Жыл бұрын
wooohooo congrats Eva!!! hope it goes amazing 🩷
@evaantoniia
Жыл бұрын
@@ZoePritchard thank you 😊
@teeteechau
Жыл бұрын
Your content is so relatable. I loved it when you mentioned feeling like when something is going that it won’t last, I struggle with this feeling constantly and have never found someone who shared this anxiety. Keep up the great content. Forever jumping on your videos when I see it posted. ❤
@ZoePritchard
Жыл бұрын
Thank youu!! 💖 I think slowly but surely we can change our minds and prove do ourselves that good things do last ✨
@debrafirestone861
Жыл бұрын
Maggie should be more on your vlogs
@carmenyan5196
Жыл бұрын
what do you usually do when you overspent your budget amount?
@tanyaallfunandgames2169
Жыл бұрын
Great video. Thanks for sharing
@hautegypsy2936
Жыл бұрын
Zoe!! I’m at work right now, and I’m looking forward to going home to watch this video! I started watching your videos last year, and you’ve inspired me to try out cash envelope method. I’m getting paid tomorrow, ( I can believe I’m saying this) but I’m excited to budget and cash stuff :)
@ZoePritchard
Жыл бұрын
ahhh love this!!! it ISSS exciting and fun 😍
@teresascafasci7027
Жыл бұрын
I love watching your videos and ur the best!! 😊
@ZoePritchard
Жыл бұрын
ahh thank you!! xoxo
@carmenyan5196
Жыл бұрын
may i ask when you buy something online you use your card and pay it right but why you are paying it on credit and not debit?
@JolenEE148
Жыл бұрын
So excited for this video. Your budgeting videos are my absolute favorite!
@ZoePritchard
Жыл бұрын
ahh thank you! 💖
@amarashy7013
Жыл бұрын
Also I’m in the middle about money budgeting and finances I have to purchase a new car bc I have a non winter car and we have Super winters where I live also I want to purchase a house soon so I’ve had some anxiety about money but watching you speak so candidly and honest about your journey helps me to relax and put things into perspective so thank you And Amazing video too 😊
@ZoePritchard
Жыл бұрын
💖💖
@dinagalall
Жыл бұрын
You are doing great Zoe!
@ZoePritchard
Жыл бұрын
thank you Dina xoxo 🩷
@dinagalall
Жыл бұрын
@@ZoePritchard 🥰
@mziana7787
Жыл бұрын
Thanks Zoe! Love your videos and just your energy. Super helpful and informative. ❤
@pippy303
Жыл бұрын
Happy birthday!
@ZoePritchard
Жыл бұрын
thank youu!!
@tamaraesquivel7663
Жыл бұрын
Yay new vid 💗
@ZoePritchard
Жыл бұрын
yayyy 🩷🩷
@sunnyandlovely
Жыл бұрын
Zoe- I recently found your channel and love your content! I’m on my own path to financial freedom and find your thought processes/q&a’s insightful and inspiring 💫 Do you know if your envelope system would work with US cash as well (sizing)? Do you ever feel awkward or funny using cash at the store with the envelope? How do you handle that? Love your channel and vibes!!! Marissa
@ZoePritchard
Жыл бұрын
Hi Marissa! So happy to have you here 💖 These envelopes will fit US cash, yes. Every once in a while I'll get a bit shy because I'm there looking like an organization freak, plus cash is not as fast as tapping your card. But, I've only ever gotten compliments about them from cashiers LOL
@sunnyandlovely
Жыл бұрын
🥹thanks for replying and sharing!!
@katejung9112
Жыл бұрын
Hi Zoe! I messaged you last week on IG about how much I love your videos (it’s Kate! Haha) and I’m so glad you posted ❤️ Since your monthly income fluctuates, how do you decide on the total amount to set aside for your cash envelopes (vs savings or debt payments for example)? Was there ever a time you realized you’re earning less than you expected at the beginning of the month, and had to change how much you put in the envelope? Thanks and happy belated bday! ❤️
@ZoePritchard
Жыл бұрын
Hii thank you 💖 Such a good question! I've never had to pivot because I always save up the $1,000 before it comes time to stuff my envelopes. So I'm confident throughout the month. What I will do it sometimes change the amount if I've either a) spent a lot the previous month or b) anticipate a lower earning month coming up, but always at the beginning of the month. It helps me to just commit to a number and stick to it throughout the month. I think if I were to panic and change the amount, it'd make my anxiety much worse xx
@booksandcats7137
Жыл бұрын
Hey! Love watching your videos. ❤️. Thank you 🙏. I wan wondering how you decide the amount of cash you will take out to do the budget with?
@ZoePritchard
Жыл бұрын
thank you 🩷🩷 its always between $900-$1,000 and ill just decide based on how im feeling or if i know there will be purchases made on credit (like a birthday gift for someone in this month’s case)
@treasreagaba3812
Жыл бұрын
Aw....you are my birthday mate!! Many years older than you though. My name is Susan and I live in Kampala, Uganda. Happy belated birthday!
@ZoePritchard
Жыл бұрын
Susan 🩷🩷 happy belated to you as well!!
@treasreagaba3812
Жыл бұрын
Thank you Zoe
@poppycalliope
Жыл бұрын
It is truly amazing to see how you slowly but surely saved the money for a purchase that you wanted for so long and without restricting yourself too much plus having fun with your budgeting along the way! This is an inspiration to all of us 🙌 ❤ I've been feeling ok about money this month and since my birthday is coming up I've been thinking of buying myself a few new books. This is gonna be a splurge for me cause I try not to spend a lot on books, I'm still thinking about it 😅
@ZoePritchard
Жыл бұрын
omg happy birthday!! 💖💖💖
@johnnybigbutton
Жыл бұрын
I love how you make your home beautiful and evolve it as time goes on to meet your family's needs ❤ Inspiring!!
@barbarahatfield8027
Жыл бұрын
Hi I’m new to you channel . Also new in budgeting i like it first you are canadien as I m and sec I had a very hard to do a budget and the way you do . I just thought I’m the same as if it’s big like my rent or other it comes out from the bank . For me what I will do is put money for trip for next year , me . Car rainy days
@ZoePritchard
Жыл бұрын
welcome!! 🩷🩷
@nancygraves673
Жыл бұрын
Awesome video Zoe! I am a cash budgeter as well and use envelopes like you do. There is so much freedom in a budget when you know how much you can spend. I also do savings challenges every 2 weeks. You should get yourself a plastic clear cash tray from Amazon so when you’re doling out your money it sits pretty in the tray! You are inspiring to many and feel like I am having a conversation with a friend when I watch your videos. ❤Where is Maggie? No guest appearance lol!😂
@ZoePritchard
Жыл бұрын
ohh that is a good idea!! haha she was at my feet this time 😂
@ebonylewis1680
Жыл бұрын
Zoe. Happy Birthday 🎊🎉🎁🎂🎈. I enjoyed it and will be doing our budget today
@ZoePritchard
Жыл бұрын
thank you!!! happy budgeting 🩷💸
@carmenyan5196
Жыл бұрын
do you use your cash budgeting during your vacation?
@davidparnell4675
Жыл бұрын
Hi zoe
@hodgepodgehub2
Жыл бұрын
7:40
@carmenyan5196
Жыл бұрын
hi! can i ask do you always stuff two binders together at the same time like the ur wallet and your sinking funds binder?
@ZoePritchard
Жыл бұрын
hi!!! I keep all my sinking funds digital :)
@carmenyan5196
Жыл бұрын
im confused which method is more suit for beginners friendly omg
@healingwithbis
Жыл бұрын
these videos help more than you know!! also just wanted to say that you inspired me to start a channel earlier this year and i’m so happy about it!!!
@ZoePritchard
Жыл бұрын
wahooo that is so cool!! happy for you 💖
@victoriaschultz1508
Жыл бұрын
Where did you buy the little LV? Was it online or in person? I've been looking at getting a used one myself!
@ZoePritchard
Жыл бұрын
I got it from Olivers Jewelry (a Toronto store) but online! They also have them on LXR&Co :)
@victoriaschultz1508
Жыл бұрын
@@ZoePritchard Thank you! And where'd you find the discount code??
@debrafirestone861
Жыл бұрын
Success means different things to different people. I see women on UTube spend Thousands on a bag that’s insane I can go on 2 different vacations with that
@brooke8888
Жыл бұрын
Wait did you pay your car off already?
@ZoePritchard
Жыл бұрын
not yet!! theres a little over $800 left :)
@siobhanod
Жыл бұрын
Feeling ok about finances. When i think about buying a house etc i get really anxious cause it seems impossible but looking back i have come so far as i now am saving at least 500 every month.
@stephaniecoleman9689
Жыл бұрын
happy birthday!! my bday is June 30 so I feel ya on the halfway point! always a good time for reflection
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