I love your transparency with your finances and the honesty around not wanting to continuously hustle to achieve the Europe trip is refreshing. It’s definitely something my husband and I have spoken about this year too, so thanks for bringing it into the open x

"I would hate to be my bra" HAHA. Really appreciate the full transparency of changing your financial goals, and totally understandable of wanting to just enjoy the present and your life over grinding for europe.

@smileycitrus

10 ай бұрын

thanks gal! i'm in pivoting era

You could create a monthly book club with friends? This holds you accountable to read 1 book a month, and also meet up with your favourite people on a regular basis. You'll probably find you'll want to read more in general as a result 😄

@smileycitrus

10 ай бұрын

oooh I like this idea! I'll ask my friends hehe x

I absolutely adored “A Good Girl’s Guide to Murder”. A fast, gripping read!

I’ve always struggled managing my finances. Recently I decided I need to be accountable and make changes but I really didn’t know where or how to start. I just discovered your channel and I’m so inspired. I’ve purchased your template and feeling less confused and overwhelmed about the challenge ahead. Looking forward to seeing more of your content! 🥰

@smileycitrus

9 ай бұрын

ahh this makes me so so happy!! best of luck lovely 🥰

I cried 😂 at the “u didn’t sis” 🤣🤣🤣

We as ur audience would definitely not forget or move in from ur channel!! Feel free to take breaks when u need ❤️❤️❤️

@sofie.alexandr

10 ай бұрын

Move on ***

@smileycitrus

10 ай бұрын

thank you so much 🥹❤️

I had to come here and applaud your thumbnail. Its so inviting :))

Hi Ella, absolutely love your monthly reset vids, some of my goals for this month are, mainly based around the gym, deadlifting 110kgs for 2 reps, my 1RM is 120kgs, finishing at least one book, spending at least 1/2 an hour a day without technology, playing at least one board game on the weekends, chest press 52kgs in the gym and treating myself with some new clothes at the end of the month

@smileycitrus

10 ай бұрын

what great goals! I love the board game on the weekend one especially 😍 thank you for sharing!! can't wait to hear how you go x

I’d say coffee beans for the machine at home is grocery since it’s consumable but parts for the machine I would file under home.

@smileycitrus

10 ай бұрын

ok yes I agree!!

I highly recommend the book "Did you hear about Kitty Karr" it has so many twists and turns. It isn't a thriller.

love love love your transparency, I've been watching since the beginning of your channel and love how your content has grown with you, super excited for your upcoming opportunities, wishing you the best of luck!!! taking your advice and putting my goal out into the universe: I want to start my social media accounts this month! I've been planning on doing something like this for a while but there's some exciting events coming up in September/October for the content I'm wanting to post about, so I think it's a 'now or never' kind of moment. The fear is real, but it's super exciting! 💛💛

Love your monthly reset videos!!! Great start to the month 🥰❤️❤️❤️❤️

@smileycitrus

10 ай бұрын

so glad you like them! they're my fave to film ❤️

Not a subscriber, just came across your video on KZread (its algorithm). What stood out for me was the fact your budget has no ‘Investment’ allowance, weather it’s superannuation contribution or stock market investment. I’m in my 40s and wish I could tell my 20s or 30s year old self to start investing early. Yes, we did have mortgages & other debts (back then), but even investing little each year, the compounding interest is a powerful thing. Putting money in high yield interest savings account is so old school as our money will lose value over time due to inflation. Good luck!

@smileycitrus

10 ай бұрын

we have superannuation that our employers pay into but definitely want to start adding extra. I do also have ETF's (just not shown in this budget)

Woke up early and sat down with my coffee just to watch this 😍😍

@smileycitrus

10 ай бұрын

i'm honoured!! hope you have the best day 🩷

I had to pause at 22 mins and say I’m sad we won’t be drinking tea ☕️ next year but I totally understand and agree you’ve had two years of go go go it’s nice to just sit back and breathe a little so definitely support the longer term goals perhaps aim the Europe trip for just before you think about starting baby season that could be a cool chapter marker ❤

@smileycitrus

10 ай бұрын

it may still be next year but probably not in the first half of 2024 ☺️ can't wait to visit the UK 🥰 definitely want to do it before we have kids!

Which budget template are you using from the site? I purchased the Ultimate Monthly Budget Spreadsheet for Excel and it looks different to the layout you have. I really love how you have all the months and a seperate subscriptions section which the one I purchased doesn't have.

This is the first video I've seen from you and I love it I love how open and honest you are :) I'm 22 and in the process of planning a wedding in Ontario Canada and I love seeing videos like this as it truly motivates me to get my finances in order :) I also love traveling! My favourite place I've been to is Kenya, I went there on a service trip in high school and the sunrises and sunsets were stunning :) sorry I'm a talker lol and love meeting new people :)

@smileycitrus

9 ай бұрын

wow thank you!! Kenya sounds amazing x

Omg i was waiting for this love your stuff

@smileycitrus

10 ай бұрын

thank you 🥹 hope you enjoyed!!

Ella ❤ ever think about launching merch?? I think you’d have the cutest merch 😊

How do you get those spreadsheets? Thank you for the video. I am trying to save money for a drivers ed course for adults.

Hi Ella happy Monday night and I loved your vlogs and you are amazing Supporter and I'm proud of you and I enjoy your channel

@smileycitrus

10 ай бұрын

Thank you! Happy Monday ☺️

@edwardleecaliforniausa

10 ай бұрын

@@smileycitrus your welcome sending you hugs ❤️ 🤗

YES Thrillers will always get me back to reading no matter the reading slump 😂 I recommend Jar of Hearts by Jennifer Hillier! Freida McFadden is a hit or miss and she has her formula, but the Coworker wasn’t too bad!

Fave thriller/crime fiction - Everyone in my family has killed someone by Benjamin Stevenson and pretty much all his books

Random question, how do you classify the difference between social and alcohol?

I’m not doing a no spend month but I really like the idea of tracking no spend days! I might have to try that for October

@smileycitrus

9 ай бұрын

it's been so empowering!

Coffee beans are 100% groceries!

Don’t let her stay was a really quick thriller. Mind you I wanted to THROW the book across the room! Lol it was still good!

@smileycitrus

9 ай бұрын

hahaha I love books like that! will have to check it out, thanks 🥰

@TiffanieMichelle

9 ай бұрын

@@smileycitrus of course!

2:24 hahahahaa they do 🤣

Notification squad, where u at? Here from KZread notifications! Already liked the vid EVEN b4 watching as I know I will ❤ it! In terms of what I am working on this month is not buying any unnecessary things like extra snacks or random things off Amazon. I'm trying to be careful with how much I spend at least until mid-next month.

@smileycitrus

10 ай бұрын

thanks for sharing! best of luck 💕

@smileycitrus

10 ай бұрын

thanks for sharing! best of luck 💕

"You know me. Sun's out--I'm a whole new woman." Me and my seasonal depression agree, sis 😂

@smileycitrus

9 ай бұрын

hahaha mood

You could try scheduling your posts so that you can take more days off social media? or even bulk recording so you could take a small amount of time post on you tube and then take the rest of the day off to rest. Love your videos, keep it it up :)

Have you read Dark Mode by Ashley Kalagian Blunt? It’s a thriller but it’s a bit *different* than others I’ve read previously. I think it could be a fun one for a reading slump!

@smileycitrus

10 ай бұрын

oooh I haven't! i'll have a suss. Thank you!

Love these videos! I am confused though as to how this is no spend September😆

@smileycitrus

10 ай бұрын

haha maybe "low spend" september is better

Love your shirt! Where is it from?

@smileycitrus

10 ай бұрын

Princess Polly! my code ELLAXO will save you some $$ 🥰

No spend September sounds like such a good idea. Just got married so presently living week to week and hubby and I owe over 10k in predicted bills this month alone in rego’s and home rates

@smileycitrus

10 ай бұрын

congratulations again lovely! sounds like it's going to be a $$ month 😭 sending all the good money vibes x

❤❤

💛 💛 💛 💛 💛

@smileycitrus

10 ай бұрын

have the best month lovely! 💕

💖💖💖

@smileycitrus

10 ай бұрын

🩷🩷

I've been checking for the last couple of days for this one!! I might consider a no spend month at some stage, saving for my cruise at the moment😀

@smileycitrus

10 ай бұрын

hope you enjoyed!! which cruise are you going on? 😍

@allee541

10 ай бұрын

I have 2 booked for next year. 1 to Tangalooma Island and the big one is a one way from Sydney to Singapore. So excited. Counting down and saving hard!!! Any tips on accommodation or flights back appreciated .@@smileycitrus

Hi, love your videos but noticed there was no money allocated for bills. You pasted them into the due column instead of the budget column. Just wanted to let you know! ❤❤

@smileycitrus

10 ай бұрын

thank you ❤️ I noticed while I was editing 🤦🏻‍♀️

Hey Ella, I’m looking for new ways to earn some extra cash and I was wondering roughly how much time it takes you doing the surveys to earn $100?😊

What about Roth IRA / 401 k / brokerages

@smileycitrus

9 ай бұрын

our employers contribute into our super funds (retirement fund) every pay check- between 12-16% of our earnings