Hey Carter, Newer follower here, I just want to say thank you for all you do with putting these videos together. This “productivity” side of KZread is finally starting to have real effects on my life. For the first time in my life I have 2,000 in savings, and 2023 is going to be the first year I’ve REALLY budgeted, and with my budget I should be able to add 1200 more a month to savings. This is all money I previously blew on eating out and nonsense purchases. The whole process is really adding to my self worth. For work, I’ve always bid jobs pretty cheap because I have these deep feelings of worthlessness. This week I bid a job at double what I normally bid and it was accepted! Anyway, your videos have been a part of my journey and inspiration so I just wanted to say thank you.

@CarterSullivan

Жыл бұрын

Omg IM SO PROUD OF YOU ♥️✨ While I'm all about goal setting and budgeting and having my "productive" moments please remember how important it is to chase things that bring you happiness, rest, relax and take care of yourself!

@-AtomsPhere-

Жыл бұрын

@@CarterSullivan do you have the “tip” feature enabled for your channel? I’m sure most of us here would like to tip you for your work. Help with the coffee shop fund 😂

@CarterSullivan

Жыл бұрын

@@-AtomsPhere- Ou I don't! I'm not too sure how to do that?

@-AtomsPhere-

Жыл бұрын

@@CarterSullivan you should look into it. A lot of creators have it and it’s an easy way to send 5 bucks to show some appreciation.

@CarterSullivan

Жыл бұрын

@@-AtomsPhere- I think it's a sweet concept but I think I'd feel bad taking viewer's money! Use it to buy yourself a coffee🥹♥️

loved your content this year. your videos have helped me get my finances in order and im ready to continue in 2023 but get even better!

@CarterSullivan

Жыл бұрын

You got this!

My finances have been absolute POOP for the past….six months? So I’m binging all of your resets and finance videos to get my s*** together for 2023. 😊

So glad I found your channel this year! Inspired me to completely transformed the way I start each month. Love your transparency!

watching your reset while doing my own!!! excited for this new year for both of us

@CarterSullivan

Жыл бұрын

YAY LOVE THAT FOR YOU!!

Loved it as always!! So thankful you inspired me to do monthly resets this year 💖 can’t wait to see all you achieve in 2023!!

@CarterSullivan

Жыл бұрын

Loving yours too, literally watching it right now🥹♥️ Happy 2022 brought me you as a sweet internet friend!!

I NEED to do this! Goal setting is something I definitely need to work on and you give me motivation

@CarterSullivan

Жыл бұрын

You can do it!

I love the resets with both: chatty but also structured!! xx

Really looove your reset content vlogs. It helps rewind and get some inspiration in my life 😊

@CarterSullivan

Жыл бұрын

I'm so glad!

I live for these videos! You have helped me get organized and see how to take control over my finances in a fun and enjoyable way. LOVE the spreadsheet you use, I am going to upgrade to the 2023 version as well because the 2022 version helped me so much. ALSO I know you're trying to hit 100k subscribers so I have been watching your subscriber count tick up and I celebrate every time you've hit a new milestone! You deserve it and people need to see your content!

I love watching you because I get motivation

Really loving these videos! Excited to watch more in the new year

@CarterSullivan

Жыл бұрын

Yay! Thank you!

Finally!! Most awaited vlog is here and Carter I really enjoyed watching your January monthly reset routine vlog so so much and I wish you reach 80K Subscribers very very soon!💫❣️☺️

@CarterSullivan

Жыл бұрын

Yay! Thank you!

@mansoor3159

Жыл бұрын

@@CarterSullivan you're welcome 😃

I recently found your channel, and I just wanted to say thank you! You have helped me feel more organized and productive! This year I made it a point to write down my goals and what I wanted to accomplish, and you really helped me just put into perspective that it's not as daunting as it seems! So thank you! ❤

@CarterSullivan

Жыл бұрын

Omg this makes me so happy🥹♥️

Bought the new version of the spreadsheet after seeing it in your video. Loved it, can't wait to set it up!

@CarterSullivan

Жыл бұрын

Its so nice 😍

love these fun resets and love the favourties to

Subbed to you early this year and so glad i did!! Also your skin looks amazing ! Happy New year Carter ✨

@CarterSullivan

Жыл бұрын

This is so kind thank you! I'm going through a difficult time with my skin so that means alot

Loving your content this year u have helped me so much in getting my finances in order.Cant wait for what's to come from u in 2023

@CarterSullivan

Жыл бұрын

♥️♥️♥️

Hey Carter. New Subbie here! I really liked your reset video. I love how organized you are, you’re definitely a goal! We share a common goal with impulsive grocery shopping. It’s so hard but we can do this! Hope 2023 is a great year for you! 🤍

Hey Carter! Every time you talk about having night terrors I have so much empathy for you. I struggled with night terrors for years. I’d wake up heart racing often screaming. It was awful. I doubt it will help you but I thought I’d share that I found out in 2017 that I had PVCs (premature ventricular contractions) I found out by getting an EKG and 24 hour heart monitor (the heart monitor was key!) I had a heart procedure and I have not had night terrors since! I was having night heart block which I think was causing the night terrors. Again I doubt it will help but you never know. I hope you find relief soon 💕

You’re at 81k while I’m watching this…congrats 🎉

Amen for not villain-izing BCP! Love your videos Carter! Wishing you all the best in 2023

@CarterSullivan

Жыл бұрын

🥰🥰🥰

Freaking love this so much! ❤

I used to be subscribed when you were more of a horse account, but I am so happy you popped up in my recommended again! I'm loving all things finance and lifestyle currently. Made some dumb decisions with Credit Cards these past few months and I am ready to get back on track! Hope you had a great holiday season!

I love seeing people who know themselves! If you don’t use the planner, don’t feel pressured to get one anyway! For me and my job, my planner is my life, but I have not kept up with tracking a budget, so I only use free apps and print outs sporadically. To spend money on it wouldn’t be worth it because I don’t use it enough 🥴

Love your videos! Can you do some on sinking funds (intrigued about the Christmas idea) and how you use credit card points?

@CarterSullivan

Жыл бұрын

I've filmed a few chatty finance videos on those already if you go back on my channel! But sinking funds are so simple- it's just breaking down a big purchase into monthly savings contributions. For example, if I budget $1000 for Christmas, I would set aside around $83/month so that by Christmas I have the $1000 saved and not scrambling for it.

After having my iud for 2-3 years (hormonal and non-hormonal), I started to have weird complications. I decided to take it out. I have nexplanon, and its nice. I've been on a few birth controls, the pill and nexplanon were the best.

Currently struggling with birth control, acne, hormonal issues etc so I’m interested to hear more about your journey! Best of luck!

@CarterSullivan

Жыл бұрын

I'll open up more about in coming vlogs but I think birth control choices/side effects are just SO personal. My cons for getting off the IUD and going back on the pill may not be applicable to others etc you know! Always best to talk to your doctor!!

@lexi6115

Жыл бұрын

@@CarterSullivan oh absolutely! Everyone’s situation is different, I meant more I’m excited to hear someone else on this app be more open about it! Thank god for BC!

New here! I absolutely love your content!!! I just found Notion yesterday and am curious to see if you will be offering any of your goal/budget templates on etsy or elsewhere? I am so excited to binge all of your YT content!!!

@CarterSullivan

Жыл бұрын

The budget spreadsheet I use is from a small business on Etsy! As of right now I have no intention in creating my own because honestly every budget template out there is the exact same and I do not have the patience to make one LOL!!

Hi Carter good morning happy Friday morning and happy new year to you and your loved ones and I enjoy your channel because you are amazing Supporter

Enjoyed Emily in Paris while I did chores and dissociated from work during the holidays but I know what you mean. Also my mom’s boss was a producer for Something From Tiffany’s

Thank you! Great video! 😊

@CarterSullivan

Жыл бұрын

You are so welcome!

Something from Tiffany's is so cute! Speaking of Zoey Deutch, have you seen "Before I Fall"? I love it. It's kind of like a teenage girl version of Groundhog Day. I also struggle with Seasonal Affective Disorder. Have you tried a mood lamp? I bought one from Amazon years ago, and I just turn it on in the morning while I'm eating breakfast and getting ready. It's been really helpful for my energy levels in these months of less sunshine. Also, I enjoyed the way you did this reset! Thanks for sharing with us.

@CarterSullivan

Жыл бұрын

Yes I do have a mood lamp and I typically use it in the depths of winter here in Canada hahah!!

Wow the AdSense revenue is great! Makes me inspired to get focused on YT for sure! Go girl!

@CarterSullivan

Жыл бұрын

Thank you!!! ♥️

Nice video!

Do you post links to your favs? I’m considering a walking pad too

lol i had to watch the video twice thinking i heard her wrong saying the F word. lol Happy new year CARTER and thanks for the budget videos, they help so much. very informative and knowledgeable.

@CarterSullivan

Жыл бұрын

You heard right haha I got the mouth of a sailor😂

I started tracking my finances this past year and started building out a finance tracker for this year BUT I'm really feeling this template!

@CarterSullivan

Жыл бұрын

I find most templates on Etsy look the exact same so I love how different this one is!

@valeryleng

Жыл бұрын

@@CarterSullivanI agree! I looked at the other templates on Etsy and found this one to be the most inclusive~ I just bought the template to use myself this year ^_^ and let her know I found her through you!

I think you will hit 100k on youtube before the end of january! 🔥

@CarterSullivan

Жыл бұрын

Slow and steady wins the race! No rush✨

think i'm falling in love w this woman now... help

@CarterSullivan

Жыл бұрын

Matt's gonna have to fight you for me

@ci3litooo

Жыл бұрын

@@CarterSullivan hehe tell matt i'll throw hands any day

Trying to find some new planners and notebooks to use. What would you recommend??

@CarterSullivan

Жыл бұрын

I do my planning on Google calendar! And I typically get my bullet journals at the dollar store or Amazon!

Do you know something - I love this! I hope this doesn’t sound condescending but you’re such a young woman and totally has her head screwed on about money and finance. You are doing exactly what I am trying to teach my kids to do so I’m going to sit them down with your videos. When I was young you see we never spoke about money. It was all very secretive and ‘rude’ to discuss your finances and I never understood why. My parents and grandparents never spoke about money. My grandparents were Canadian actually lol. I adore your videos and I’m rooting for you girl!!! Keep up the good work 👏👏👏👏👏👏. I’m 45 now and on track to retire at 55 because I’ve learned the hard way and looked at money as a friend not an enemy. My kids think I’m boring though (which I am lol) so they will listen to you I’m sure 😉🙏🏻. All the best to you and your subscribers for 2023 from the UK xxx

@CarterSullivan

Жыл бұрын

This is so kind thank you! Let me tell you something though, I've only RECENTLY become like this and my passion for personal finance ESPECIALLY for young women started because a few years ago I was so deep in consumer debt, student loans and had an awful relationship with money. I hope people view my videos as a sign that you can truly change your view on money WHENEVER in life!! Thank you for this kind comment, it made my night!

@cheche2181

Жыл бұрын

@@CarterSullivan well that makes it even better! You can’t learn properly if you haven’t gone through it - absolutely fan-bloody-tastic!! 👏👏💪🏼💪🏼

I am loving your content! I just found you today. Do you have any videos that can help a beginner with no experience with budgeting?

@CarterSullivan

Жыл бұрын

I made a video last year on how to make a budget!!

@xotiffany7

Жыл бұрын

@@CarterSullivan thank you!

Silly question yet what sharpies do you use for your journaling? Looks beautiful!

@CarterSullivan

Жыл бұрын

Not a silly Q, the Sharpie fine tip felt pens!

Maybe I missed it, what are you going to grad school for!? Thanks for all your videos. Been binge watching!! ❤

@CarterSullivan

Жыл бұрын

Healthcare management!

Yay I'm one of those new friends hehe

Girl I love harry and Megan’s documentary

Really interesting to hear how expensive your property taxes are and paid 2x a year! I live outside of city limits though so that helps mine some.

@CarterSullivan

Жыл бұрын

I'm pretty sure I mentioned it in the video but our property taxes are $2800 total/ $1400 in March and $1400 in June!

Can you please make a video on the investing side? When, how to, how much... Thank you! P.S. I just discovered you and I have 10 or so of your videos in the queue for watching ❤ new year eve activity 🎉😂❤

@CarterSullivan

Жыл бұрын

As much as I LOVE talking about finances, there are some things I am not qualified to speak on, one of them being investments! I highly recommend speaking to a financial advisor or someone at your bank on the subject! While I feel educated adequately on investments for MYSELF I'm not comfortable giving investing advice to others! I hope you can understand! Please keep in mind that investment accounts in Canada versus the USA vary greatly which is another reason I don't talk about them a ton on here as my audience is about 50% Canada, 50% US. All I will say is that I as a Canadian invest into a TFSA, RRSP and single stocks from time to time and aim to invest 10-15% of my income since all of my high interest debt is paid off!

Жыл бұрын

@@CarterSullivan Thank you very very much for your response. I'm actually living in the UK so your point it's a very good one. On the other hand, somehow I've assumed that being so accessible to invest, it's not easy to understand and apply to my budget and my incom. So speaking with a special might be a very good advice. Thank you 😘😘🤗 I appreciate your response 🤗🤗 happy new year!

Definitely prefer vlog style!

@CarterSullivan

Жыл бұрын

Good to know! I do too honestly🤗

LOL! I love that you listed don't buy books in your December goals. I always struggle with that and today hit Indigo to use some Xmas gift cards and snap up some hardcover books at 30% off. I just can't say no. Sigh...

@CarterSullivan

Жыл бұрын

Indigo's Boxing Day Sale was TOO GOOD TO RESIST

random, but do you drink just black hot coffee? :)

@CarterSullivan

Жыл бұрын

Yes and no!! I typically drink my coffee with a splash of milk or just black!

you use rsvp too?! My favorite pen ever!

@CarterSullivan

Жыл бұрын

The BEST 😍

@abzster

Жыл бұрын

I noticed the pen too cuz it’s my fave lol! I really like their fine point

How did you make this notion template?

@CarterSullivan

Жыл бұрын

I'll be sharing my Notion tour in early January!

New follower here. I love this budget sheet. Do you share it or sell it?

@CarterSullivan

Жыл бұрын

As mentioned in the video its not mine, just a spreadsheet I bought & love and it's always linked down below for purchase!

Hello, I was wondering how you are able to read so many books? I’m in awe in how many books you can finish a month

@CarterSullivan

Жыл бұрын

First off I just read REALLY fast, I always have! Second I am a big night owl so I typically read for 2hrs/night as my way to unwind! I also really value my weekends as my time to rest, relax & recharge so I'm always reading on the weekends! I try and sub scrolling on my phone for reading and always have my kindle with me on the go in case I have any down time! I also love to habit stack so I'll go to the gym and read while I'm on the treadmill! Idk I truly view reading as my form of self care so it never seems hard to find time to do it!

@la19999

Жыл бұрын

Love thatt

Can you do a grocery/meal budgeting video? I can’t fathom having a grocery bill that low 😅

@CarterSullivan

Жыл бұрын

I mentioned in this video but we do a meal delivery service so that takes care of our weekly meals & since I pay for that Matt pays for all our odds and ends grocery runs. We still need things like fruits/veggies/yogurt/bread etc but he pays for that to even it out! I just budgeted $100-$150 for random grocery things I pick up but if you add it all up our monthly food/grocery spending bill is around $400-500 for both of us! We also love using what we have, we have a deep freezer full of meat and so we tend to do repetitive, easy cheap meals on nights we don't have the meal delivery service like spaghetti that are inexpensive when you get pasta sauce/noodles on sale!

@ayelaii

Жыл бұрын

@@CarterSullivan ahh that makes a lot more sense! Thank you for the response, I just have such a hard time budgeting for groceries.

Did you create this budget spreadsheet?

@CarterSullivan

Жыл бұрын

Nope! Its linked below to purchase! Just supporting a SMALL BUSINESS🥰

@msmytube23

Жыл бұрын

@@CarterSullivan Thank You so much, just purchased. Also subscribed to your channel. I’ve been watching your videos for a while and didn’t realize I hadn’t subscribed. 👍🏼

Do you have a credit card debt tracker and playoff credit card? Thanks!

@CarterSullivan

Жыл бұрын

There is a debt column on the spreadsheet I use but I pay my CC off in full every month so I dont have any current debt!

@Vicureview

Жыл бұрын

@@CarterSullivan can you add a section for paying my credit card debt and track it? Thanks

@CarterSullivan

Жыл бұрын

@@Vicureview I didn't create the spreadsheet, as I mentioned in the video its just a spreadsheet I've purchased🤗

@Vicureview

Жыл бұрын

@@CarterSullivan Thanks!

I don’t think others are necessarily demonizing hormonal birth control, just sharing other alternatives that haven’t been widely discussed until the last few years. Many people have been made to feel crazy for having complications with hormonal birth control. I think it’s a net positive having more people share their own experiences with hormonal BC (positive or negative), beyond merely the success or failure of preventing pregnancy, but factoring in the side effects for the person’s health too (hormonal imbalances, mood, weight fluctuations, etc.). It’s helpful to hear a variety of experiences. I’m glad yours has been mostly positive… enjoyed the video as always ❤️

@CarterSullivan

Жыл бұрын

I do agree with your perspective and thank you for sharing! While I'm so happy people are finding what is working for them I just feel like all this talk of getting off hormonal birth control constantly on social media can be extremely harmful to the younger generation to practice safe sex! Birth control still has the HIGHEST effectiveness rate and talking about natural planning/condoms isn't always the safest route for people who don't currently want children! I'm all for doing what's best for YOU but for example when you look up 'birth control' on Instagram, I scrolled for a solid 20minutes through all the posts and couldn't find a SINGLE positive post that wasn't fear mongering or giving hormonal birth control a negative connotation which made me sad. I LOVE all the honesty that has come about in 2022 with creators sharing their journey to get off hormonal birth control it just makes me sad that no one talks about the positive reasons for being on it if that makes sense!! But agree that it's great that people are opening up about their experiences good or bad about birth control!

@laurenmw9629

Жыл бұрын

@@CarterSullivan birth control has a higher effectiveness rate than condoms?

@CarterSullivan

Жыл бұрын

@@laurenmw9629 It depends on the birth control but IUDS have a 99% effectiveness, the pill 91% and a condom 82% according to the chart on Health Canada!

I just got my iud out and went back on birth control! Best decision for me. I’d rather have extra hormones in me than terrible periods and a child 😂

@CarterSullivan

Жыл бұрын

Honestly agreed!! Don't get me wrong I can't wait to have kids one day but not any time soon and we will take all precautions possible 😂

@emilygrace880

Жыл бұрын

Happy for you!!

i would love if you had an amazon storefront🫶🫶

@CarterSullivan

Жыл бұрын

I've contemplated doing it however the biggest issue is that Amazon Canada and Amazon USA carry different products so its hard to link 😅