PAYDAY ROUTINE | budget breakdown, account setup, transfers + how I budget weekly 💰

Hello my loves! Welcome to my updated payday routine! I thought I would do a budget breakdown and share our bank account setup, transfers, direct debits and how we budget weekly 💸

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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

[DonnasWonderland]

Slow business soft ambition is what I’m living this year so I love that you’re leaning into a slower pace. Everyone is always running and I think back to before the internet and how long things would take and we just had to wait. The internet is amazing but I crave the slowness of before

[jadepopps]

I agree about a bills account, my husband and I do the same and it’s just an relief knowing the money is there when the bills come in, especially the big bills like rates, rego, insurance etc

[nikkibott]

It’s so nice to hear you talk about a simpler slower more balanced life. I launched my business last year and all anyone asks is when I’m going to hire and scale it. I don’t think I want that stress I’m happy it being just me with freelance support and knowing I have the freedom and time and balance that I enjoy xx

[jackmovick]

Thanks heaps for this. I struggle to track money because my husband makes different amounts and not every week being self employed but I noticed I already do what you do. What made me feel better was that not every week your savings hundreds. I sometimes feel like I’m lacking because we can’t save a lot. But your right the bills account is amazing, we have that to. 💗💗

[stephmarie]

I love this. My direct debits are kind of all over the place to the savings and bills accounts and not really tracking to a degree. I love the tracker definitely going to get the yearly one next week and start REALLY tracking and understanding where my money is going and see what floating money I have to put towards house deposit.

[cynthiaubah]

I just realized i bought your budget from Etsy!!! Omg! I love it so much. It's been helping me keep track of my finances!

[bfenerli]

Thanks for the transparency, this was refreshing to watch and made sense. I love watching personal finance content but haven't found an Australian channel that I vibe with, glad to have found yours! Subscribed 😊

[gracecap]

So glad that you received all the love and support you deserve on your latest announcement! You have inspired me to take control of my mine & my fiancés finances, we have a wedding coming up and hoping to buy and your videos are soooo helpful! Thank you ❤

[DubaiCashStuffer]

I love all things personal finance like you and yes pay day is the best day😂 Thanks for the video

[nadia]

Great video! A sharehouse I moved into in my early 20s had a bills account that our rent and joint bills came out of and I’ve used the same thing for myself ever since!
When I bought my house I created my home account that all bills etc came out of, plus I put a bit extra to cover small things like replacing a towel rail or buying new storage containers and it’s been so beneficial! That way the day-to-day account is for all the fun things! 😂

[christierobinson]

thanks for sharing! really loved the insight and breakdown 🥰

[jeriheggie]

Nosy Nellie here 😅 I’ve been sharing our budget on my YouTube channel and it’s so fun finding others doing the same. I love this spreadsheet! Heading over to check it out.

[emmawright]

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

[Lou-epoj]

Thanks, that was really helpful. I will definitely use some of the tips. All the best with doing social media full Time. God bless Lou

[fjogzhj]

i would looove to see more business finance content. I'm a freelancer and want to use this spreadsheet and i think i'll include all my pre-tax business earnings and then add my tax savings as a savings goal... Also, do you think you'll still try those sinking funds in the spreadsheets?

[TammiLee]

Hi Ella thanks for putting together this video. It’s amazing how interesting you do it. With the bills account I see you just changed the actual rather than putting it through the transaction tracker. Can I ask why this is? Does it affect anything within the spreadsheet? How do you record what bills are paid and how did you decide how much to put away each month for those bills?

[Yollie]

i love the spreadsheet its so user friendly 🙌😊

[claragorges]

as a banker, you explained that perfectly!!! p.s really like these videos, so easy to understand and lots to learn

[magdalena]

Absolutely lovely decor and the content❤❤

[ronnaclemente]

Hi! We are moving in a few months to Adelaide. This video is helping us a lot. ☺️ Would you mind sharing the bank that you use and the type of account? Thank you so much.