I hope you reach the 3k income. I'm here to support, like and watch your ads. I love the videos!

@HomeWithShan

29 күн бұрын

Thank you so much! You have no idea how much this means 🥹

@marinamelling9799

29 күн бұрын

Yeah I hope you do too. And it’s amazing that you can keep your job and career. Kids won’t be little for long so enjoy every moment. Love your real videos. Xx

@HomeWithShan

29 күн бұрын

@@marinamelling9799 thank you so much!!🥹🥹

I’m going to go back through and re binge watch your older video’s. Here to support your channel. Hopefully you reach your goals

@HomeWithShan

29 күн бұрын

Omg this is soooooo lovely of you!! Thank you so much! You guys are honestly the best 🥹🥹

I have been binge watching all your videos the last week. Defo here to support your channel. LOVE your videos ❤ xx

I'm a 34 year old soon to be mum of 2 in July, and adore your real content!!! There is such a need for this budgeting & finances & life admin content - certainly in a cost of living crisis & the smoke & mirrors of social media lifestyles - i wish I had someone like you to follow in my 20s..You will be successful on your full time youtube journey, pleased you've made the jump & believe in yourself. You will add so much value. xx

Cheering you on all the way 🙌🏼 You are killing it on instagram these days!

Shan I’ve always followed these budgeting videos they are so helpful and relatable! One thing I found really great was comparing breakdown cover on a compare the market thing I paid £22 for this year and £21 last year (and had to call them out) Brands like AA and green flag are really expensive so worth shopping round Also so much cheaper than going through your car insurer for those that do that Worth checking as rhat would save you a lot every month!

How did you find the confidence to start your KZread channel without being judged by friends and family and I would love a video of how to start a KZread channel and the behind the scenes ❤

@hayleycox5475

29 күн бұрын

I would love to see this too. ❤️

Perfect video as I’m currently on unpaid maternity leave, so budgeting is vital at the moment! Thanks Shan 👍🏻

Love this 🥰 You’re doing amazing ❤️✨

This was so helpful, thank-you!

Hi Shan. Loved this video, my maternity leave will start from September. You may want to look into critical illness cover now that you are solely self employed as you won't receive any sick pay if the worst was to happen and you did have a long term illness. A payment of £14 per month would suggest its just life insurance at the moment. X

Shan, I really enjoy this money videos! Keep doing them, you are such an inspiration 😊 thank you! Wish you all the best! Xxx

That ascent and smile ❤

I really appreciate transparent finance videos like this, I'm a bit of a personal finance geek myself! I would just say don't forget that self employed people also pay national insurance as well as income tax :)

@HomeWithShan

29 күн бұрын

Thank you so much, and yes, absolutely!!

Shan can you do a quick hair routine? New mum of one here struggling to find the time to style hair. 🙋‍♀️ yours looks so lush and effortless!

Love your budget videos :) please can you do a video on your mortgage repayments overpayments etc! It would be helpful :) as well as paying into a pension self employed person! x

Brilliant video, very helpful thank you. Do yo worry hyperjar goes bust and then lose money? I have downloaded the app then worried about that x

Hi Shan, I love your channel! Do you have a hyperjar referral code as I've been thinking about doing it and decided to go for it (I need the old fashioned "money split into envelopes" approach my Nanny used to do!

Hi Hun love these videos ❤ who else do you bank with aswell as hyperjar? Xx

@HomeWithShan

29 күн бұрын

Thank you so much!🙈 I use Santander at the moment xx

@GemShob

29 күн бұрын

@@HomeWithShan thanks for replying to me. Is Santander a good bank would you recommend? Xx

Hi Have you taken your personal tax allowance into account?

Please do a video about savings/investments stocks and shares ISA and kids savings xx

Is hyperjar an actual banking app or does it just draw information from your banks (like snoop?). I so badly want to use it but dont want to miss out on good interest rates from normal banks

@HomeWithShan

29 күн бұрын

It’s a banking app yeah! I transfer my “leftover” money into this account to divide into my jars. It’s a good point about interest though!

@hcarey372

28 күн бұрын

@@HomeWithShan makes sense thank you! I've been hunting high and low for a bank that can match interest rates, but has pots 🤣

Do you have pet insurance, pet food etc ?

Can you use this for Australian $ or is it just pounds ?

Do you find you are the one always driving the kids ? Like if it work for you but if you always driving the kids then maybe petrol should be in joint ?

The nursery funding is nice, even if it's just for a few hours.. I'm in South Africa and you don't get any of daycare paid... 🤦🏻‍♀️ I'm so glad to be working from home.. My son's daycare is very close, so it's not much petrol monthly.

Do you still have a hello fresh code?

Can I ask about mat pay and also getting self employed income. Last time I was on maternity leave (I’m self employed) it said I couldn’t earn anything apart from 10 KIT days. But it seems you’re able to earn normal income each month plus mat pay? I’m hoping I can do this next time as we couldn’t survive on the mat pay alone.

I get the idea of using hyperjar to separate pots but surely you'd be much better off putting any savings into an instant access savings account to generate interest? You could still track "pots" using a spreadsheet.

@HomeWithShan

29 күн бұрын

I definitely take this on board, my husband uses Monzo and they also have a “pots” feature that you can get interest on! They’re next day withdrawals though so not an instant access account xxx

@MrsHRPufnstuf

29 күн бұрын

I use Chase savings for my sinking funds. Quite a good interest rate with immediate easy access

@ashconroy529

29 күн бұрын

@@HomeWithShanwith Monzo premium you can get instant access pots and it’s £15 a month and include phone and travel insurance and other things 😊

@helenheard3202

29 күн бұрын

Starling bank are great. Instant access, they have a pots feature called "spaces" and good interest rates

@helen_blanketsandbooks

29 күн бұрын

This is what I do. I have a savings account and an instant access account, but a spreadsheet for both, so my 'pots' are just managed and tracked on those. I also keep my spreadsheets upto date throughout the month (do it once a week) and track all my spending so I know if I'm going over in a particular area. X

You’re not taking into account your personal tax free allowance though? So it wouldn’t be £600 tax as you haven’t taken off your tax free allowance every month. For the year it’s £12,570 Tax free allowance

Can I ask what age the funding comes in down south? I’m in Scotland and my son turns 3 in September but doesn’t get any funded childcare until January! I didn’t realise it was so different elsewhere in the UK. Love your budgeting videos 😊

@cerim9339

29 күн бұрын

Ok I’ve just got to the part where you mention a video about childcare costs … will watch that next!

@lauraharley6547

28 күн бұрын

In Scotland too! I’m pretty sure England get 30 hours a week funded from 2 years old? And about 15 hours from 9month? I could be wrong though!

What about pension, if that's something you had through your employer previously?

@cattajay

29 күн бұрын

Was thinking the same! Really key women prioritise pension to reduce lifetime pay gap

How are your elligible for funding. Ur said ur partner earns more than 80k. Is he earning below 100k? Cuz ur not eligible if thats the case??