JULY BUDGET WITH ME 💰 debt free (!!!) next financial goals + paying off our mortgage early 🏡

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Use my code: ELLA30 to save 30% off

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★ FREQUENTLY ASKED QUESTIONS ★
✰ How old are you? 27
✰ Where are you from? I'm originally from England but moved to Adelaide, Australia when I was 9 years old. I also spent 2 years living in Toronto when I finished high school which is why the accent is a bit all over the place 😅
✰ When did you get married? April 2022

[kaseywarren]

“No one wants to pay interest, especially on a depreciating asset.” You are such a finance queen, Ella! ❤️

[nzmoneykarma]

We paid off our mortgage at 40yo and it was the best thing we've ever done- the freedom we have now is amazing!

[isomon]

Just a little addition to the mortgage and debt topic, if you have a very low interest rate on your mortgage, it makes a lot of sense not to speed up the payment process because your money will work much more for you in your investments (e.g., 3% mortgage and 8% returns on investments). This is, however, just the pure rational numbers game and if you hate debt from a psychological perspective, it obviously makes sense to pay if off more quickly ☺

[sammy.mcdougall]

For streaming services, we find that cycling through them is helpful so we only have 1-2 streaming services at any one time. So binge what you want for a few months on one service and then move to the next one. By the time you cycle back around there are normally new shows available which is nice side effect.

Another tip is that we switched electricity plans with the same provider and they had a free Netflix perk. So keep an eye out for those deals too! (We are with AGL)

[nosirrahm]

I use YNAB. I need to be able to carry over money month to month for spending categories vs starting a brand new budget.

[dianalewis]

OH MY GOD that mortgage repayment resource is UNREAL. What a reality check that is to see just how much $$$ is being spent on just the interest alone. OUCH!

[traveller]

Thanks for the overview. Thanks for the work. Thanks for Financial Transparancy. Thing Global... Act local. It is really important.

[heidialiceinwonderland]

You have officially convinced me to download a Coplenty budget tracker! Excited to start!

[Lulu-oiue]

I was in two car accidents both not my fault with my new car. Lesson I learn was that I will never get into debt over a depreciating asset. Pay cash is my mantra. We need to learn to pay cash because cash is king. We need to live way below our means. We've had an unexpected big expense and I can pull it out of my savings. We have big goals so we are sacrificing lifestyle for long term gains.

[tracybrito]

I’ve been using this same spreadsheet for almost 2 years. Love it.

[livefreediepretty]

Suggestion get yearly everyday extra ( especially when they do half price sale ) I got it for $35 for the year

[Tatiannafonseca]

Been loving your Instagram and YT posts.. You communicate with ease and calm such meaningful messages and learnings. Well done! And thank you for bringing personal/family finance insights that I haven't seen in other "experts" channels. ❤

[jemmakara]

Omg that savings trick at the end. Thanks for adding it in. Helps me budget better ❤❤

[hannahrichardson]

This has come at the perfect time!! I've been going down a rabbit hole with all your budgeting vids - feeling so inspired to actually save my money and not over consume!! Thank uuuu <3

[jessdickson]

Literally have been raving that the 1st of July was on a monday to everyone, i feel so validated that you said that 😂😂😂😂

[freefree]

Seeing how much difference it makes to put an extra $2500 a month on the principle of the mortgage is eye opening. For me that's a no brainer to save sooo much in interest. $ in your pocket & not to the banks profit is goals.

[bookmarksandbookshelves]

Could you please make a video about cashback and shop rewards? I dont really understand them. Im not one to shop much online so might not be for my current lifestyle anyway. Thank you

[jenanhawk]

I would LOVE to see a little tutorial for the budget spread sheet you use. I just bought it yesterday and it's all I've been doing lol but tips and tricks would be much appreciated. I can't figure out how to use the pie chart to see my different expenses so that would be helpful to show!

[emmawright]

Notification squad, where u at? Here from YouTube notifications!  Already liked the vid EVEN b4 watching as I know I will ❤ it!

[georgettejasxo]

Congratulations on being close to paying off your car loan! There aren’t many content creators I can watch for a full 30 minutes, but your content is incredibly relatable. I love your approach to budgeting, your open and transparent discussions about money, and your ability to live a slow, peaceful yet adventurous life. Your content truly resonates with me. The energy you radiate is genuine, kind, and comforting. I admire how you maintain a humble lifestyle even as high earners—it's exactly the life I aspire to live. Thank you for consistently sharing your life with us. I discovered you on TikTok almost a year ago and subscribed to your YouTube a few months back. Seeing your journey from videos nearly 10 years ago to now is absolutely amazing! July is your month, Ella! We love those three-week paydays! Keep grinding in your Pilates class! I can’t wait to see you pay off more of your mortgage and continue living your best life. Sending you lots of love! 🩶✨