NOVEMBER MONTHLY RESET | goal setting, budget with me, income vs expenses + emergency fund 💰

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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

[jasmineaoun]

I don’t want to be negative Nancy here 😩 but I always look forward for when you post. I’m going through a breakup and I lost my sister recently so your videos really help me forget about things for a little bit 🤗

[emilyh]

Completely understand how it feels to take the fun out of reading by putting pressure on yourself to read. I also struggle when work is particularly tiring or stressful. Sometimes it just takes a particularly good book or break from work to get back into it :) Loved the reset, I'm always keeping an eye out for yours at the start of the month!

[nikkibott]

‘I’m actually pulling these numbers out of my arse’ 😂😂 Ella you do make me giggle x

[rebeccastokes]

Do you have any videos or information on the surveys? Thank you! 😅

[xonekogairuox]

So looking forward to the morning routine! Giving 2015 YouTube vibes and I love it

[matildadevere]

I love your goals this month! Excited to see all your home update :)

[tahlia]

you're gorgeous, Ella! have a fantastic month xx

[DonnasWonderland]

Hey Ella I have a challenge for you 😉 so on the posting twice a week thing which of course as a subscriber I’m totally here for why not make me of those videos a how I’ve taken care of myself this month video. You can maybe do an intro and outro and then voice over and just grab clips of the selfcare things you do, just the set up like running the bath or prepping the sofa with coffee and a book or taking 10 to play with Mabel in the garden. Making a video will make you start the thing the. You get to enjoy the thing and then you can share with us. Great way to stay accountable to yourself care and also encourage us in our self care too. Face mask anyone???? ❤❤❤❤

[marcopisano]

Just a suggestion. Instead of investing and risking your money trying to earn I’m assuming 7-10% pa with the risk of lower or potentially negative returns, why not put it onto the mortgage until it’s cleared thus effectively earning a guaranteed 6.5-7% or whatever your mortgage rate is? And also you’d be up for income or CG tax on any investment returns, whilst saving interest on your mortgage is tax free.
Really enjoy your content.

[bmm]

When the budget is 0 but your categories/budget is over how does that work? Hope that makes sense ❤

[ThatsSoJasmine]

Love these videos! I really wish I was more invested in my finances and being more organised - we have an offset account from our mortgage so pretty much use that as our spending/saving/emergency fund account. When you say you put money towards investing - what do you invest in and how? ☺

[edwardleecaliforniausa]

Hi Ella happy Thursday night and I hope you having amazing day today and I loved your vlogs and you are amazing Supporter

[jessicaroper]

I've been waiting for this reset 😍

[allee]

Hi Ella interested to know how you budget for say travel if you have take it out of savings account that was specifically for that. Do you include in your every day monthly budget when you are using money that hasn't come from regular pay. I feel like it doesn't really reflect accuratley if I am adding it to my monthly spending but the funds have come from a savings account. Hope that makes sense.

[moerani]

Hi Ella, new follower here :D
Question, where can I get a budget/goal template like/similar to yours?
You are inspiring me to get a lot more organised with my finances but a lil lost on where to start.
Thanks! From NZ x

[janicew]

Sometimes I have to remind myself that this is not in USD and our economic areas are very different! I live in a medium size city in the western area of the US and I work full time in banking, but my paychecks are less than your part time ones and it can bum me out!! Then I do the math and Im like okay...we are living in different areas doing different things but all hope is not lost 😂

[BudgetwithVee]

Love the video Ella wow such a great amount to put towards savings and debt

[kimthatcher]

I PANICKED when I saw your groceries bill but then felt so much better when I saw the takeaways and eating out lines. It all makes sense now haha. I was like wtf we spend $1200-$1500 ish on groceries a month but never eat out. Maybe once every 2-3 months. So I feel on par over all haha

[ngtky]

I'm curious how you organise different accounts for different savings goals (emergency fund, car, rainy day etc). Is it literally different account or pots within an account like Monzo ?

[janicew]

Can you explain what an offset account is?