Love these videos Shan. My daughter was 24 at the end of July and we have never spent her child benefit. When she was born you had to have a bank account so the money just went right into one we opened for her when she was born. Along with money she got for birthdays, Christmases and throughout the years when she was really young she has now got a huge lump sum towards her first property - which she's hoping to buy next year. She's been living in London for the past 5 years and is moving back home to save up for a year to give her even more savings
@simonalcroft7897
Ай бұрын
If only you’d actually put that money to work. If you haven’t spent any for 24 years and saved all of the birthday and Christmas money it’s possible that she’s got £50,000 to go towards a property. If instead you’d of invested that money into any good mutual fund, she’d have enough to buy the property outright. You went halfway at least.
@JadeandOliverPettett
Ай бұрын
@@simonalcroft7897very negative and not appropriate to comment. Mind your business
@simonalcroft7897
Ай бұрын
@@JadeandOliverPettett Not appropriate? My comment will hopefully stop making others making the same mistake.
@siddiqahali1653
Ай бұрын
Hi shan, love these videos and best of luck for your holidays x. On a recent vlog, you mentioned about going to Morocco. I recently went and I'm a mum of a 1 year old. Milk wise, you shouldn't struggle there with finding milk, it's really available in many stores and very convenient. However, it's best to take ready made baby food or purees. Resteraunts even allow u to warm the milk up. Dont forget finger foods and purees. This is because finding food and even finger food on the go was a little struggle for me. But hygiene and water wise, it's so much better than I ever thought! It is a very clean, hygienic environment , so yeah, you shouldn't worry about any of that!. Let me know if you have any questions x
@creativereindeer
Ай бұрын
CAP is such a good charity for folks to know about if they get into debt. Putting money away for my hair every month has been SUCH a mental help!!
@AlexClarkcompany
Ай бұрын
Having just turned 39 and got laid off, I'm at a crossroads. With 425K saved for an early retirement at 50, 10K in an HSA, and a property that could net me an extra 200K, what are my options for passive income?
@LouisMorganxb3
Ай бұрын
It’s understandable to want a financial advisor at this stage... but perhaps putting off retirement for a little while could be the smarter move
@AlexClarkcompany
Ай бұрын
I’m confused about whether to combine all my investment accounts into one. If I decide to do this, how should I go about it, and will there be any consequences I should be aware of? I also intend to sell my property, which could add an extra 200K overtime. Should I consolidate everything into one investment account, or diversify across several sectors?
@OscarOwenn
Ай бұрын
These are important questions for a financial planner. I connected with mine at a NYSE summit, and with her help, my wife and I reallocated our 1.7M portfolio between a traditional IRA and a brokerage account. She’s been executing trades with our consent and has managed to recoup twice our crisis losses. We’re holding and cautiously navigating the market
@BaileyJames-zv2ddd
Ай бұрын
That is impressive! my portfolio has remained stagnate. Who is guiding you please?
@OscarOwenn
Ай бұрын
*Leah Foster Alderman*
@caitox
26 күн бұрын
Putting child benefit into a Kids ISA is suuuuuuch a good idea wow
@CorinePreusz
Ай бұрын
You mentioned your husband and you split costs 50/50. Does he also keep a budget where he tries to match contribution to funds (i.e. savings for a car or savings for your Japan trip)? What have you found to work for you to where you feel like you are teammates working towards the same financial goals? Thank you!
@carlaperkins9732
Ай бұрын
This is something I'd like to know too. Is he also putting £100 a month away for Christmas for example? I would have thought that's a shared cost but £2400 for Christmas at the end of the year sounds crazy!
@stephanieg9477
23 күн бұрын
Yes would be good to know although we suspect rather unfairly Shan pays for all Xmas and holidays/Japan and hol spends and kids days out by looks of it..
@CorinePreusz
22 күн бұрын
@@stephanieg9477 That would be sad, I hope that's not the case. It's hard working towards financial goals if you feel like your partner isn't on the same page with you. I know some people choose to combine finances and some choose to keep them separate. My husband and I have chosen to combine and that works for us since we both can log into the same budgeting app to log our purchases, but I'm always curious to learn more about how couples communicate on finances when they aren't combined.
@sjb1239
28 күн бұрын
I love how genuine you are :-)
@BaileyMxX
Ай бұрын
Do you put any money into pension/retirement savings?
@monikawalkowicz111
Ай бұрын
I like Chase account for saving pots with 3.75% interest. This year I also stop paying for TV Licence, as no longer watching live BBC channels.
@cecysmily
Ай бұрын
Do you put money aside for pension ? Would you be able to show/explain ?
@umarahabid1102
Ай бұрын
Really enjoyed this video. I do this in a notebook but might upgrade to a spreadsheet! I use a similar pots system through starling and it’s a game changer. I am worried about finances when I go on maternity leave though.
@HappyHayleyW
Ай бұрын
Hi Shan, I’m finding these budgeting videos so helpful, thank you. May I ask a question for next time - with the expenses out of the joint account with something like groceries though, how do you track how much you have spent each week? If you don’t use Monzo pots or keep track within the spreadsheet of actual spending ? Thank you again for your videos.
@MichaelaGill-x2d
Ай бұрын
And starling does 5 virtual cards to link to different pots x
@emakimberly6541
Ай бұрын
Why do you only put 10% towards tax?
@1988laurennicole
Ай бұрын
How do you only spend £200 a month on food?? I can’t get mine below £150 a week 🤦♀️ I have a baby so nappies etc and 2 older children
@klaudiabana
Ай бұрын
They pay half on everything. So her husband also contributes another £200 which means they spend £400 per month.
@Andrea-bz6gt
Күн бұрын
@1988laurennicole I was also Internet in this. £400 per month on groceries for a family of 4 is impressive when takeaway costs / eating out in budget is low. I'd love to see a video on this.
@1988laurennicole
Күн бұрын
@@klaudiabana even £400 I couldn’t do, £100 now buys barely anthing in supermarket. I struggle to spend less than £150-£200 a week on food shopping. I cook a lot from scratch but still…I think it is cheaper now to buy frozen food and ready made stuff which I don’t think is a good thing really, we should be encouraging people to cook homemade but the prices now make that difficult. Anyway that’s another issue for another day lol
@klaudiabana
2 сағат бұрын
@@1988laurennicoleshe also has hellofresh dinners for most nights as well and the price of that is never included in her budget but she might not be paying for it 🤔 we are 2 adults and a 2,5yr old and we spend around £300 on groceries a month as well and that doesn't include cleaning supplies, toiletries, nappies or wipes as we keep that separate. But yes, it is interesting. Surely not EVERYTHING is in her budget.
@MichaelaGill-x2d
Ай бұрын
Starling is the same as Monzo but they give 3.25% interest on all lots and current account balance x
@myfinancialjourney887
Ай бұрын
Can you do update on child isa Whats invested currently etc
@JordanWhitehead-b2p
Ай бұрын
Your tv license should not be £15.90 each per month. It’s £169.50 for the year your £15.90 each per month equals £381.60
@carliem9494
Ай бұрын
If she’s paying half the tv licence and her share is £15.90 a month (and her husband’s not reimbursing her somewhere not mentioned)- you’re right!
@sarajackson3926
28 күн бұрын
Where would you allocate things like your lashes or moisturiser or shampoo etc? Would that come out of your grocery budget?
@sophiej1385
Ай бұрын
Pet expenses? Insurance and food etc for Molly? x
@marinamelling9799
Ай бұрын
I agree they are more accurate than some influencers! But she never adds mollys funds on here but perhaps her husband pays for it. X
@sophiej1385
Ай бұрын
Perhaps but you’d think she’d mention that 🤷🏽♀️ it seems such an obvious omission to me. But you’re right she’s more transparent about finances than some x
@marinamelling9799
Ай бұрын
@@sophiej1385 I still Can’t get my head round that she earns £3k just on you tube! Think I’m in the wrong job lol 😂 xx
@Jocawe
Ай бұрын
They never address or talk about Molly ;( 😪
@marinamelling9799
Ай бұрын
@@Jocawe I know I’m sure she adores her dog but having kids is a lot and juggling it all is impossible. I don’t think she adds any money on taking her girl out on baby classes too or George? I spent loads on Mat leave on baby classes, coffees out seeing mates etc. let alone my pet fees xx
@sherlockrobin597
Ай бұрын
Can't tell you how happy it makes me that tax is taken off me and given to this woman who has no need for it whatsoever and just puts it straight into her children's savings account for them to have an easy life when they're adults.
@paigepizzey6030
Ай бұрын
I don’t understand this comment…. Could you explain? Your parents would have received c/b for you when you were a child also … everybody who has children are entitled to this benefit
@marinamelling9799
Ай бұрын
@@paigepizzey6030 I don’t get that either! You could say that if she wasn’t online and she claimed benefits. Taxpayers are paying anyone that isn’t working! She’s doing what’s right and saving for her kids future.
@laurab4868
Ай бұрын
Why do you have two mortgages Shan? Interest rates are so expensive now :( I fixed ours at 4.2% just before the price hike.
@marinamelling9799
Ай бұрын
@@laurab4868 we do too as we took money to do an renovation. Only way you can but hoping they come down by next spring! But fixing at 5% May of been a mistake but risk you make
@Jocawe
Ай бұрын
Live in my overdraft all the time basically lol 😞 How comes you and ash don't pop all monies into one account make life easier as your married have kids? Xx
@extremesubtlety
Ай бұрын
Great video!
@raffellaagyei2392
Ай бұрын
I love your content keep up 😊the good
@MichaelaGill-x2d
Ай бұрын
Your tv license, is it so expensive because you are paying double for the first 6 months? We pay £13 ish per month x
@HomeWithShan
Ай бұрын
@@MichaelaGill-x2d I think so? There is a weird reason I’m sure! That’s just how much it is this month 🤣
@wonderleigh5842
Ай бұрын
No pets expenses ?
@jenniemcshane7184
Ай бұрын
I would love to see how you get your food shopping to £400 on a video. We spend roughly double that for a family of 4 🤦♀️ x
@KarolinaTL
Ай бұрын
I spend £80 a week for family of 3, buying just food like meat, vegs, fruits, dairy, bread, very little sweets, no sodas, no alcohol.
@jessicafarouq7909
Ай бұрын
Can you do another solo bedtime routine?
@DawnSP-pu7jn
Ай бұрын
If you are on a fixed rate for five years mortgage it shouldn't be going up
@CH-gh7fm
Ай бұрын
Can the spreadsheet be downloaded and used on an iPhone /ipad or does it need to be a laptop etc? X
@samanthacumming9362
Ай бұрын
I use the spreadsheet fine on my android phone. I couldn't be without it now
@sintyacozma237
Ай бұрын
Hi Shan 💁♀️♥️🤗
@queenfoodies4046
Ай бұрын
With regards to the monzo pot…Kroo does the same thing you can separates your money just like monzo and you get 4.10% on all your money that’s is in your account no matter if it’s in a pot. I have both account and kroo is a lot better
@Sarahc0407
29 күн бұрын
I do this exact same thing using monzo with all my pots. Would be funny to see I bet your husband is just like mine. Here I am planning for years ahead and he's spending on shit and food 😂😂
@user-uf5uy6rs6p
Ай бұрын
Tv license 😂 i thought you didnt 'need' a tv license 🤣🤣🤣 also they are not £30 a month!
@nicolesurphlis1558
Ай бұрын
That not good am working 5 days
@user-oh2bl1gh2u
Ай бұрын
It’s disgusting that you receive child benefit while only paying 10 per tax
@marinamelling9799
Ай бұрын
@@user-oh2bl1gh2u anyone can receive it but if your over the fresh hold you have to pay hmrc back (your a nighter tax earner!) which I don’t agree with but your paid more so it’s hard to way up!
@chloegould1482
Ай бұрын
Oh hush you would too
@minaa9511
22 күн бұрын
She’s paying more for utility bills as the usage will go up from working at home. you wouldn’t pay extra if you are working from an office. So technically she’s getting reimbursed for the extra usage and also other expenses. There’s alot more to it, a quick google search will ease your concerns. If it repulses you so much, do the same. If you can’t beat them, join them 😅
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