Manage Your Monthly Bills Template for Planning Effortlessly

Monthly bills template for Planning

[Music] hi you guys what is up welcome back to my channel I'm so excited the personal finance videos are back I've already filmed this video twice but for some reason I'm like getting so nervous to talk about money and budget on the internet again that I kind of just word vomit and uh so I'm going to try this time to be really concise and get to the point cuz we I'm a chatty gal so just a disclaimer if you're not into the chatty content this might not be the video for you no hard feelings I want this to feel like we're two friends in a coffee shop just catching up over coffee and doing our monthly budgets together like on our computer or maybe a cup of tea That's what I'm doing cuz it's like a rainy afternoon I wanted to be all comfy welcome to a little kind of how I budget for a new month video monthly money routine I have to say I went through this phase for the last few months where I just was not interested in making any personal finance content but my girl Zoe she always she always just makes me like Giddy and excited to do it again shout out to Zoe Zoe prit I'm sure you guys follow her she is another Canadian Creator she talks a lot about personal finance and I kind of took a break from the personal finance content for almost all of 2024 so far I talked about this in a Q&A that I just was feeling like my budget was so repetitive and boring putting your finances online is already a very vulnerable thing to do and putting any kind of content online you're opening the can of worms for people to just comment on your life I would be really proud of my my spending that month or I don't know happy with my investments and then there'd always be comments just that kind of rain on your parade and I just decided to protect my peace for a little bit and no one's perfect with their finances everyone's going to do it a completely different way but at the end of the day this is what I do and if it helps someone out great um if all you take from this video is the steps that I do in my monthly money routine then honestly that's that's all I that's all I ask for and if you just want to have this on in the background for us to hang out I also love that too so anyways I was watching Zoe's um no spend Challenge and her previous High budget for a new month video and I was like I kind of I kind of just love how laid-back and low-key her videos are and it kind of just felt like chatting with a friend about finances and I was like you know what I think I'm ready I feel like it's been on my mind and my heart to film this lately so here we are I feel like over the years my money routine has gotten really simple when I first started out I thought I had to have like a weekly money routine a Payday rout well you need to have a Payday routine but I had all these different routines and all these bajillion steps and what I took from that was I never wanted to check in with my finances because of all the bajillion steps I was doing so I've really narrowed it down to a simple routine I found a spreadsheet that I love using I'm kind of excited I'm not going to lie have not been um the best tracker this month like I don't want anyone to see this and be like oh wow she has personal finance content she really has her together because I did not track anything this month I was not looking at my credit cards I I feel like I at this point in my personal finance Journey have a pretty good idea of my spending like I could just not check my credit card for like a week or two and kind of roughly know but I hadn't inputed any of my expenses so I spent some time doing that this morning I'm on my lunch break from work right now and we're going to kind of go through my monthly money routine and I'm really excited to share with you guys a little bit about me if you guys are new here I got started on my personal finance journey in 2020 I was living paycheck to paycheck but I was working full-time in healthcare when I was an undergrad and you know Healthcare pays pretty well I was making like $25 an hour Canadian and I couldn't figure out why I had no money like I just couldn't figure out where it was going I could only put like $5 a gas in my car at a time credit cards were always maxed out and in May of 2020 my now fiance asked me to move in with him and I was like wow like you really have your together with your finances how am I going to move in with somebody if I can't even afford to put gas in my car so I did a lot of research I read a ton of books and I got started on my personal Finance Journey paying off um credit card debt consumerism debt cuz I had a shopping problem I have an Impulse fending problem and started going to therapy realized a lot of my money issues were linked to like some childhood things and just me as a person and my daddy issues and childhood traumas and uh also paid off some student loan debt we bought our first house and yeah here we are almost 4 years later and documented this whole journey through like different budget with me videos and it's been really cool to see see how it's evolved over the year in my kind of personal finance journey in terms of where I am today uh 2 years ago I was able to leave my full-time corporate job for a part-time corporate job that actually paid better so I actually make more my part-time corporate job than I did my full-time corporate job part of that due to the fact that I do get in lie of I get 12% in Li of because I don't get paid sick days or vacation time however going part-time with my corporate job allowed me to focus more on YouTube and growing that side as well and I get asked all the time if I'm going to quit my job for social media and I can say pretty strongly the answer is no I love both so much and I love getting to do both like have a good balance of both so I was a sole proprietor for the first few years of doing social media and now I'm an incorporation and what else do you guys need to know about me um my fiance and I we split our bills 50/50 so our house bills mortgage utilities all that stuff however when it comes down to expenses we kind of just go back and forth some months I pay for more girl than he does I say the only time we really split expenses 50/50 is for the house so for example we got new countertops recently they were about $1,500 Canadian so we like split that down the middle I think that's about $ 750 but otherwise we kind of just take turns eating out all that stuff so some months I might buy more groceries than him some months he might buy more groceries than me we like to do like grocery runs like small ones frequently so yeah in terms of my current financial goals we'll jump into that after but I am a little bit lost lost right now with my financial goals I feel like I do really well having like something specific to save up for and with having just a lot of home projects now because we did buy a 100-year-old fixer upper home I'm feeling a little bit lost with my financial goals I think that's also why I just haven't really wanted to film any personal finance content I feel like I've truthfully just been trekking like I'm just cruising I feel very neutrally about money I don't feel great about it but I don't feel bad about it I just kind of feel like blocked I don't feel like I'm challenging myself and I'm kind of just trying to figure out what my financial goals are right now now that we have bought a house um we did get engaged last year but we are loping so it's not something that we really like we're not having a big extravagant alotment so it's not something we need to save up for we're just going to kind of like do it on a whim uh sometime next year so we're not even really saving up for that so I'm kind of just a little lost but we'll jump into that after when I talk about my 2024 financial goals and we do like a little bit of a check-in but I guess without further Ado we can jump into step one which is reviewing my April budget I always always always start by inputting all of my expenses into the current month that we're in cuz I feel like you can't really reflect on that month and then move forward to a next month without looking at the previous month I'm put it all my expenses before work this morning because like I said I was bad and I did not do it at all this month I tried to do it every payday but I just clearly was not feeling it this month so here we are but I did decide to try out a new budget spreadsheet I don't think this is necessary at all however there was a few things in the previous spreadsheet I was using that I was uh that were not there that I wanted and I'm also just a very visual person and I wanted something that could kind of guide me at like a quick glance at where I was with my expenses and you guys will see with a spreadsheet that it does that and I love it obviously I still love the previous spreadsheet that I use as well and I'll have both of them linked down below I think that one is a really really great beginner spreadsheet I guess without further Ado let's go over my April budget together and then we'll kind of talk about our feelings about April and then we will create our May budget together welcome let's hang out for a bit all right you guys welcome to the new budget I love it so much this is kind of what I was talking about when I meant that I wanted something that at a quick glance I could just see where I was in terms of the month right with the gr so for groceries like I'm over budget okay noted like reel it in a little bit really love this spreadsheet like I said I love the other one too but this one is kind of just what I was looking for right now here's my monthly summary so at the end of the month my balance is about $1,000 which which is exactly what I like that's kind of a comfortable number for me to have in my checkings account I know some people like to zero it out at the end of the month but it definitely takes some time to figure out what is a good number for you that you feel comfortable with having at the end of the month and that's mine so that's kind of a monthly summary over here in income uh these are my paychecks obviously I always budget off the lowest amount possible which I get asked like if you're commission based or hourly like myself how to budget always budget off the lowest amount possible cuz let's say you budget like 1,700 a pay and then your pays are $1,400 that's $600 you've budgeted for that like where you going to where you going to get that you know what I'm saying so I always budget off the lowest amount possible that way I know if I get paid more great I have some extra money to throw into my syncing funds or Investments but if I'm just like on par with the 1,400 by weekly I know I can make all of my payments and make everything work so these two are a little bit off actually so paycheck one should have been closer to about 1,500 and paycheck 2 should have been closer to about 1,600 however they were missing some hours on paycheck 1 that could put over to paycheck 2 so it kind of like all equals out and then in terms of business pay it really fluctuates I actually try my hardest to not pay myself from the business which I feel like a lot of people want to make more income and I don't want more income on the personal side because it's taxed so I try to pay myself really minimally from the business that's just because I am so grateful and I know that social media is not going anywhere but I never want to get to a point where I'm like dependent on that income I can be super super in intense is not the right word but I don't have to take a lot of brand deals if I don't want to I can be really really picky because I'm not relying on that income so all that to say I try to not pay myself a ton from the business I do pay myself a bit though because I did kind of sacrifice the full-time corporate job for the part-time corporate job so I have to supplement that income a little bit and this is kind of what I've come up with I pay myself a range of about $1,000 to $2,000 a month yeah so that's what I paid myself this month pretty average month for me I I would say I feel like the less I pay myself in the business the better because obviously business pay social media play fluctuates so much someone the business can make $88,000 and some months it makes nothing because I haven't got paid from a brand deal so I try my best to not rely on that income as much as possible expenses I'd say a little bit higher than usual I really try to keep my expenses around 1,400 a month that's like a number I'm comfortable with groceries were a bit higher I'm okay with it though because we actually canceled our hellofresh this past month so before I noticed that I was spending like $400 on groceries and then also like almost $300 on hellofresh which is just insane and don't get me wrong I love a meal delivery service I think they're really great we're going to do them on the weeks that we get back from vacation just when we don't have time to go to the grocery store but uh we found that the recipes weren't really changing and it was getting a lot more expensive so we decided to cancel it but with that I knew that I'd be spending a bit more in groceries which is okay cuz it's still spending less than I was when I was doing groceries and the meal kit so anyways I'm okay with that I would like to see it under 400 next month maybe 350 even but I'm totally okay with it knowing that that was our first month that we didn't have meal kits eating out uh the number used to be 100 however in the like spring summer fall we tend to eat out about twice a week and now with doing home projects we've noticed that we eat out a little bit more so I've just kind of adjusted that number and I'm totally content with that coffee pretty standard my mom and I get coffee every Saturday together we kind of take turns treating each other so it ends up being more than just like one coffee when I go to see her I usually get each of us a coffee and a pastry uh but that is quality time and I will never ever ever ever take that out of my budget miscellaneous shopping this is like any Amazon purchase any I don't know just random purchase that I I I buy for myself whether it's like makeup um I had to get some like shampoo and stuff this month uh that was a little higher than usual health and wellness hm this one really bothers me because it's one of those ones that's not my fault this one grinds my gears but it's fine it's okay it's all good um I know the people in the states are going to be like that is literally such a like Canadian first world problem but um I realized I was running out of my birth control and I had no refills left and I had two weeks left in my pill I will say as someone who used to work in the Family healthc Care space a week is like an adequate amount of time to get your prescription fax your doctor and send back to the pharmacy I gave them two weeks I didn't hear anything from my doctor's office at all so the pharmacy dispensed me an emergency pack which I had to pay for out of pocket which was about $30 Canadian then my doctor told me that if I didn't want to come into to the doctor and just get my prescription renewed I had to pay $30 for which I understand the premise behind it but I'm not going to go and make an appointment and take the spot from someone who needs it just cuz I need my birth control filled so I paid the $30 but basically all that is because my prescription did not get filled in time and it still hasn't been filled actually even though I've paid the fee so we're not going to jump into it I know that people in the states are probably like literal Canadian first world problem but I'm a little salty about it appointments uh this was a pretty high appointment month but I only get my hair done about once or twice a year so that's to be expected and I should start budgeting for that in like a fun money account or like putting money aside for that but because it's only once or twice a year I just kind of budget ahead for it I got my nails done um which I do most months I'd say um it's just like a little something I do for me and because my hands are on camera so much I just like to have them done and because I do my own Natural Nails it doesn't cost as much now but yeah my hair was definitely the start of the show in the budget this month pet I spent zero I'm pretty sure B bought dog food this month gas was lower than usual because Matt had my car for most of the month so I only had to fill up on gas once clothing off the top of my head I can't think of anything but it might be in this miscellaneous shopping category and I think I'm going to remove the clothing category because I usually just account for it in miscellaneous I feel like the only time you really need to break down those miscellaneous categories is if you find it's a category you spend a lot on and you really want to call it out and reflect on that line item but I don't really buy a lot of clothes so I don't feel like it's something I need to have a separate line for in my budget entertainment we didn't spend anything on this month that's just with us renting movies since we don't live close to a movie theater house and home I spent a little bit more that's totally okay and then I have started giving myself a like $100 allowance for thrifting and going to the flea market and stuff and that works really well for me I take that out in cash at the beginning of the month just because our local thrift store I think they only do like debit over $10 and then the flea market I just find easier to do cash so technically I could update this to say I only use 75 but it's going to roll over into the next month anyways and then I'm going to take a 100 out again so that's just cuz I like to Thrift and buy things use like Facebook Marketplace and stuff so I find it easier to just take out a little bit of cash and I feel like cash I'm like very aware of my spending less than I had budgeted for but overall I'd still like to see that number a little bit low lower mortgage so I talked about this a few resets ago but we did decide to bump up our mortgage payment we were paying for or sorry I should just once again clarify that Matt and I split this um we were paying 800 by weekly Canadian and we decided to bump it up since we are at a like 1.8% interest rate for the last next can I talk today next year or two before our interest rate renews so we figured we put some extra money on it while um most of it goes towards the principal and not interest you can only go up 20% % so that brought us up to 956 each a month uh small bills that's like utilities water all that stuff was 388 this month it's a little bit unpredictable because water we have every 3 months and we're still trying to kind of adjust to bills being in a bigger house that's like not in the city in a condo when we were in our townhouse we were next to someone so our heating bill in the winter wasn't super high now we're heating a whole house out in the country so I'm assuming this will go down a little bit now since it's getting warmer out but High month for the small bills for sure uh car payment car insurance was normal JY I pay for that we have like a family plan and I just pay for that Matt and I don't really split it once again it just it's fine um and then in terms of subscriptions I need to go through I can't figure out what credit card I have my Netflix on I think my Netflix is around $8 a month I actually just got an email that they were discontinuing my basic plan so I have to look into that but like Matt pays for Disney plus I pay for I think I also pay for Apple TV I pay for crave I do a l of them upfront for the year so Apple TV and crave I've paid Upfront for the year uh Kel limited and then my aura ring all right in terms of savings this is where it gets like tricky I'm just kind of struggling right now um we can talk about this after but I didn't put anything towards like my emergency fund this month I didn't put anything towards my sinking funds this month I must have actually let me go through and actually see I definitely did definitely 50 towards pet cuz I do that every month and then I put 250 into celebration okay yeah that makes more sense so I ended up doing 50 in pet I do 50 a month um the girls are on which is so nice a different vaccine schedule Stella's November lla is April so they're almost like 6 months apart which is amazing cuz I can just save up every 6 months home I didn't add to that this month cuz it's at about $1,000 I'll talk about my syncing funds after celebration my dad's birthday's coming up we just are getting into birthday season so I put aside some money for that and then fun money I think I still had about $200 in there so I didn't add to it this month um and then my investments I need to update that I try to aim for 500 a month I did 250 this month each and so yeah that was my budget for April and after I fill out my budget I always just do a little bit of reflection that way I can take things that either went well or didn't go well in April and move them into the next month like I said I just feel very neutrally about money right now and I'm just trying to figure out what my current financial goals are feel like I kind of over thought on my financial goals at the beginning of the year because I'm so used to being in a home that didn't need a lot of work and now that we're in a home that needs work I kind of have to adjust those financial goals say I was investing $1,000 a month and then now I need to spend $500 a month on the home that means I can only invest $500 and I need to just be able to adjust those financial goals a little bit and that's something that I think I just overshot a little bit on at the beginning of the year and that's okay as long as you can acknowledge it so I'm just trying to kind of figure out what my new financial goals are for 2020 4 I will go over this budget spreadsheet again and I kind of did this when we were chatting but I'll say you know like let next month I'd like to see my grocery budget lower or XYZ this is also the time too where I'll go through my calendar and see what we have coming up for the next month so I can budget for it so for example May we're away in Florida for a week I think that's really it so I know that we won't really have a week of groceries to buy that trip is already like accounted for budgeted for money has put money has been put aside for so it won't come out of this budget at all we have a travel syncing fund on the personal side and the business side so I've just been doing some exploring and reflecting the last few weeks on what I want my financial goals to be moving forward I kind of want to challenge myself a little bit more next thing I do is I always pay off any credit cards that I have so I pay my credit cards off by weekly I know everyone does a little bit differently I paid mine off by-weekly on payday however I'm one of those people who's like so tip Bay that like today's the 30th my payday is on Friday but then like I'm eating into like my May paycheck for my April spending so I like to clear everything out at the end of the month I'm going to go in and just see what my credit card is at right now okay it's at 27206 so I'm going to go ahead and pay that off then I always do a little bit of a check-in on like my savings accounts and my syncing funds just so I can kind of know if I have like a lot of rollover or I haven't spent as much that month and I feel like I have extra money to put into my syncing funds or Investments now's the time that I do that let's just go over my syncing fund so we kind of know where some money needs to go next month pet fund like I mentioned I put $50 a month into that so I know that I'll put $50 into that come may my home syncing fund that one is kind of just like whatever I have left I'll put into that currently has about $830 in it right now maybe I'd like to get that to about a th000 but I also know in May we're not going to be doing any big home projects maybe I can leave that for now actually uh celebration syncing fund that has 250 in it right now and it's my dad's birthday so I know that I'll probably dip into some of that but then I don't really have any birthdays until Matt's birthday in July so I think for may we should be good leaving it at that and then I have fun money and I kind of use that for just like I guess whatever um I use that for example when we cross the border to go get groceries like I don't account for that in the grocery budget it's just like fun groceries that we get or if I'm like saving up for like when I bought my Shark Flex Style on sale I bought it from there and I kind of try to always have some money there because for example my Shark Flex style I went to the store and it was like 50% off that day and I was like oh my gosh I need to get it today it was like $130 and I had the money kind of put aside so I always make sure to go over that and then I'll kind of go through my investments as well I also need to file my taxes today before I forget my emergency fund is in the wealth simple cash account and um I always check and see how much interest it's earned so it earned $9 in interest this month and that's something too I'm trying to kind of figure out is where I'd like to see my emergency fund at before we set up my May budget I guess we could do a quick check-in on like what my financial goals are moving forward for the rest of the year so like I said I feel like I kind of just overshot a little bit um because I wasn't used to having just like ongoing home projects I'm going to add to my emergency fund I'm not really happy with where it is it's at about $5,000 right now and I'm kind of curious what you don't have to tell me the amount your emergency fund is but how many like months of expenses did you decide on I feel like I've always had a pretty low emergency fund because working in healthcare I've known that I have a pretty stable job I think with just like life I'd like to beef up my emergency fund that would kind of be the goal so I was originally investing $500 into my RSP every month and 500 into my tfsa and I think just for my own like Comfort I'm going to do 500 total Investments so 250 into each and then 500 into my emergency fund every month until I get that fully funded I think that will work really great and then if I have any bonuses or back pay like for example I just got a raise I'll get back pay for a year that'll be maybe a couple ,000 we don't really get bonuses in healthcare I can put that into my investments as well but I think that's my new plan going forward and then if we have any big home projects which we aren't doing anything really big this year uh we just kind of put money aside for that every month you know some months if I don't contribute to my emergency fund and I have to mainly put that money towards home projects that's totally okay I have to just learn to roll with the punches I am someone who like once I set a budget once I set my calendar it can't change and that's kind of where I think I struggle the most most let's kind of set up this new budget for May and see how we feel about it like I mentioned I'm not super strict on these budgeted categories I just like to use them as a little bit of a guide in terms of like how much I anticipate spending that month so once again I always Budget on the low end so let's budget 1,400 for my first pay of the month sometimes I find it takes a second to really there we go kick in and then oh it's a three paycheck month oh nice okay then paycheck number two should be roughly around the same my third one will be a little bit lower will be on vacation that week so then I'll anticipate this one being 1,300 that means an extra mortgage payment too because we pay by weekly so that's great and if you guys are new to the budget videos I always make my first draft I call it of my budget off my corporate pay and then I see what's missing so for example if I budget everything and then the monthly balance is at like $1100 I know that I have to kind of pay myself 11100 to be on par with actually you know doing this thing so groceries okay so I know that I spent 480 in April and I'd like to see that down to about because Matt and I each get groceries like there's no way that we each need to be spending $400 in groceries that's ridiculous $350 we're pretty good at using things we have in the freezer and then that also accounts for the one week that we're going to do Chef's plate so I will say like I mentioned earlier if there's categories where you feel like you need to improve on that's where you can set those kind of concrete budget numbers so I'm going to say 350 I've been pretty good at sticking to the budget and using things in the freezer and getting resourceful so I think we can do it eating out I'll put 150 coffee we'll do 50 miscellaneous shopping I'm going to try so hard to not do any impulsive shopping before trip I don't really ever do any impulsive clothing shopping but I'm like that person who's like on Amazon frantically ordering the day before trip cuz I need like a new charger or Lysol wipes or okay those are important but you know what I mean those like last minute Amazon purchases that you just like don't need like you don't need another makeup bag just use the one that you have so I'm going to try really really hard not to we do typically use Disney gift cards for our souvenir so I don't have to worry about budgeting for that in my budget either so let's just say 150 I feel like that's a good number health and wellness I don't anticipate anything coming up so I'll put zero appointments I will have a nail appointment before we go on our trip I get my nails in once a month so I'll put I think it's 55 I'll put 60 just to on the safe side pet I will put 100 I think Stella is running out of food they kind of are on different food schedules which is nice we kind of buy a bag of food every other month and Matt and I trade off he bought lyla's food last month I'll buy Stella this month car and gas gas just went up a lot I'm going to say 150 um clothing I really just don't need anything so I'm going to put zero entertainment I'll put 50 I'm just going to actually delete that cuz I don't like when the green shows house and home we have the sinking fund so I shouldn't spend anything out of pocket on that and then thrifting I'll put 100 it's like garage sale season all that kind of stuff with these budgeted numbers it brings us to about 1160 now overall I can say I'm comfortable being at around 1,400 however I'd really really like to if possible try to stick to this as much as possible I really want to try my hardest to have a bit more of a low spend month especially cuz we'll be on vacation so I think I can do it mortgage which I don't remember what my mortgage was it's cuz it's new 956 small bills it is warmer out however we did switch phone companies and this will be my last bill on the personal payment side and then it goes over to the business so I am going to say 350 for the small bills just to be on the safe side uh my car insurance is going up which is so silly because my car accident that I had 5 years ago finally came off my record but there's been like a car insurance like inflation I don't know if it's the same in the States but in Canada there is so uh even though my accident came off my file my insurance is still going up which is really annoying car payment 314 I get asked if I'm trying to pay that off sooner and I'm not cuz I'm at like a 1 point or 2% interest rate so not worth paying off sooner in my opinion JM 101 I'm just going to budget 10 for Netflix I think it's around that $129 and then this is 903 so that seems kind of yeah roughly around what our bills are every month and then in terms of savings so like like I said I really want to focus on my emergency fund so let's do 500 in my emergency fund home like I mentioned it's at a pretty good number and I don't anticipate us doing a lot because we'll be gone for a bit of May so I think I can leave the home syncing fund without contributing more and we should be good uh celebration let's just see where we're at now okay so we have about $400 to budget with that doesn't include any business pay so let's do 100 in celebration that way we can kind of start saving up for like Matt's birthday and and other birthdays that we have in the summer and then let's do 100 in fund money I know when I hit 100K I want to buy myself a PlayStation so I want to kind of start saving up for that the budgeted goal for the tfsa is 250 and then 250 for the RSP I think that's good I'm happy with that okay may budget is filled out I'm getting snacky and this is usually the time where I kind of just do some miscellaneous stuff go and update any of my like savings trackers or I'll check it on my credit cards I actually did that this morning I am a big like credit card points girly and so I keep track of all of my cards when my annual fee or my annual Rena is up and the fee Etc cuz some companies will wave your annual fee like second third fourth year but I find most don't so today I actually looked at my current credit cards where we were at and I actually had an AMX card that was coming out for Renewal that I didn't want to renew so I went ahead and cancelled that this morning got that out of the way kind of just to do like a little bit of like a financial admin session if you will so updating the syncing funds all that kind of stuff if I decide that these are good numbers for my emergency fund Investments great if I want to tweak them going into June that's totally fine as well I feel like personal finan is truly all about trial and error and figuring things out and we're all just kind of figuring things out as we go and uh yeah we don't really have any big home projects coming up the countertops we're one big thing we do need to replace our patio door but until we find the door that we want and the price of it we aren't going to start budgeting that project out that is the kind of like budgeting for a new month I like to keep it super simple quite literally just like reviewing my budget reflecting on my money checking in on my credit cards savings accounts syncing funds and then setting up my new budget I also will usually do a little bit of like a monthly money check-in with Matt since we do not have combined finances and we honestly probably never say never but we don't really plan on it even when we're married just cuz why what's the saying if it ain't broke don't fix it that's what I was trying to say so we typically do like a little bit of a monthly check-in as well where we're just kind of ask each other like where we're at with our finances how we're feeling that month if we're feeling stressed if we're feeling good if someone got a bigger paycheck than usual if one of us got a Bonus how we're going to use it um we'll look forward to the next month in terms of like home projects kind of talk about any big expenses that are coming up which I think communicating about your finances if you don't do your finances together is so so important um I feel like it's so easy to hide your finances from your partner and we try to be as transparent as possible so yeah I will also link down below some of my previous uh monthly Money videos for you guys if you're curious to check out I think I recently filmed maybe it was about like N9 months ago now like how I organize my finances which kind of gives you that more Deep dive in terms of like my credit cards savings accounts um all that kind of stuff so if you guys are interested in updated version of that let me know but this is kind of more of like the just basic budgeting for a new month and yeah but I hope you guys enjoyed I love you guys so much and I'll catch you guys in the next one bye