How I get my personal finances back on track (after overspending, avoiding, etc.) πŸ’ΈπŸ“Š

thanks for watching ✨ Thank you to The Line for sponsoring this mid-month money check in πŸ’Έ My entire budgeting kit will be linked below, and you can check out their homepage here: https://thelineshop.ca?sca_ref=2570300.MXguXLc3wq (code ZOE10 will save you 10% off your purchase). In this video I’m walking you through what I do, step-by-step to get my money and personal finances back on track after going off budget. We also walk through my digital budget tracker. Normally I script, organize, and plan my money videos but I thought it would be fun to be a little messy together so you guys can see how easy it is to get back on track when you have a system that works for you. Also, it’s normal to stray from your budget!! So let’s get back on track together πŸ’– Follow me on instagram! https://www.instagram.com/zoexpritchard/ My Budgeting Toolkit (ships internationally! use code ZOE10 to save 10% on your order) πŸ“Œ Digital Budget Tracker: https://thelineshop.ca/products/the-budget-tracker-spreadsheet?sca_ref=2570300.MXguXLc3wq πŸ“Œ Custom Cash Envelopes: https://thelineshop.ca/products/custom-cash-envelopes?variant=42689857192186&sca_ref=2570300.MXguXLc3wq πŸ“Œ Leather folio (how I store and carry my cash envelopes): https://thelineshop.ca/collections/agenda-covers-and-leather-planners/products/the-leather-agenda-personal-6-ring-planner?sca_ref=2570300.MXguXLc3wq πŸ“Œ Vegan leather folio: https://thelineshop.ca/collections/agenda-covers-and-leather-planners/products/the-personal-planner?variant=42683667349754&sca_ref=2570300.MXguXLc3wq *Some of these links may be affiliate links. This allows me to earn a small commission, which supports my channel at no extra cost to you. Thank you β˜€οΈ Thanks for watching! Please subscribe: https://www.youtube.com/user/zoelovex3?sub_confirmation=1 Are you a brand that would like to work with me? Please email [email protected] Popular videos from me: πŸŽ₯ My Current Financial Goals: https://youtu.be/550gYRtGJaA πŸŽ₯ Cash Envelopes Started Video: https://www.youtube.com/watch?v=-UHOscEScV8 πŸŽ₯ Opening up about my financial situation: https://youtu.be/C8xXuGmya6Q πŸŽ₯ How I Repayed $25K in Debt: https://www.youtube.com/watch?v=E5_W2s3QvcA&t=122s πŸŽ₯ My Experience with Lifestyle Creep: https://www.youtube.com/watch?v=_L5aesdCiqE&t=36s πŸŽ₯ How Much I Have Saved, Invested, & Debt at 25 Years Old: https://www.youtube.com/watch?v=Phm2SFmHWao πŸŽ₯ Q&A: https://youtu.be/7wt5NWk7QsA πŸŽ₯ My skincare routine: https://www.youtube.com/watch?v=W7adGLrW1ys Some brand links that support my channel: WealthSimple – my favourite investing & banking app. Get $50 when you sign up and invest $500. https://wealthsimple.sjv.io/zoepritchard WealthSimple Trade (stocks) & Crypto currency, get $10 when you invest $100: https://wealthsimple.sjv.io/36jzn BetterHelp – affordable virtual therapy: https://betterhelp.com/zoepritchard (Using this link may earn me a commission at no extra cost to you – thank you for supporting my channel!) 20% off of any SheCodes Workshop: https://www.shecodes.io/workshops?coupon_name=zoelovex3Codes#apply ✨ About me: ✨ Hi, I’m Zoe! (Pronounced like Zoey) I’m a 26 year old from Montreal making videos about my REAL life. After quitting my management consulting “dream job”, then being laid off from a startup job, I decided to take a chance and work for myself. I’m now mainly focused on YouTube (my absolute passion) and side-hustle contracts in the copywriting and admin fields. My videos centre around work, gentle productivity, mental health & personal wellness, with a touch of fashion, tech, and whatever else I’m living. My goal is to be open & honest ALWAYS and for my channel to be a fun, inspiring place where we can set goals and live our best lives together. I would love for you to subscribe πŸ’ TAGS: controlling your spending,monthly budget with me,budgetingtips,part time income,paycheck routine,money goals,money challenge,money saving challenge,savings update,how to track your finances,how i manage my money,how to budget and save money,how to budget,frugal,money saving,how i budget my paychecks,how to budget in your twenties,credit card,credit card debt,credit card mistakes,financial goals,cash envelope unstuffing,envelope budget system,cash counting,stress free finances,budget by paycheck,budgeting for beginners,cash budgeting,cash envelopes canada,cash envelopes,carter sullivan,cash stuffing for beginners,sinking fund,cash stuffing tips,cash envelope system,sinking funds categories,cash budgeting,how much i spent in a month,budget with me,zoe pritchard,zoe pritchard budget,zoe pritchard finance,zoe pritchard montreal,canadian vlogger,montreal vlogger

26 thoughts on “How I get my personal finances back on track (after overspending, avoiding, etc.) πŸ’ΈπŸ“Š”

  1. I recently came across your videos and you have inspired me to start using the cash budgeting system. I would love to get my partner using it too. Any tips on how a male can use the cash envelopes when they don’t carry a bag around?

    Thanks for the great content and keeping it real.

    1. Hii that’s amazing!! So I asked my bf what he would do and he suggested money clips! Either getting some sort of colour code for the clips or just clipping a little label or note with the category name on top of the cash. I also have seen cash envelopes that are meant to have you fold the bills so they are smaller… basically, anything that can fit in a pocket!

  2. Sounds like you need a vacation sinking fund that you contribute to every month!

    And you should look into the average spending of a holiday in the location before you go there. Just because the flight and hotel are affordable, it doesn’t mean the rest (food, transportation, activities, etc.) is! It helps plan better so you don’t have surprises

  3. Thank you, thank you so much..Nio one is showing how to transfer info from the credit card and bank statements to the expense tracker. Also how to record when you use the credit card when you should have use cash. I am buying that tracker, I hate tracking my expense . When you stated that each month you allocate an amount to spend made me realize that I should be limiting myself too. Excellent video

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