hi, i’m zoe 💕 welcome to my diary!
I’m a 27 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 KZread (my absolute passion) and side-hustle contracts in the copywriting and admin fields.
My videos centre around lifestyle, gentle productivity, mental health & personal wellness. 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 🤍
Want to get in touch? Contact me at [email protected]
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Hi, I’m new here but how come you chose to buy new rather than used and how is your rent so affordable in montreal!?
hii! its a used car, i just got it from a dealership :) and my rent is this price because I live in a one bedroom with my boyfriend and he owns the condo. So my rent goes to condo fees, internet, electricity etc
Make sure you check out EU261. Our flight from Europe to the US was 4+ hours delayed and we each filed the necessary forms with the airline and received 600 euros each in compensation. This should be in addition to your reimbursement from the airline for your flight. It did require multiple calls to the airline to check the status but it finally came through after our persistence. Totally worth it!
Have you tried the software You Need a Budget? It’s basically like digital cash envelopes but connects to your bank accounts. Highly recommend since you’re also a fan of envelope based budgeting!
ok I’ve been flying by the seat of my pants when it comes to my budget for like a year - but am recently wanting to get back into it - so this is perfect timing! Thank you ❤
yayyy you got this!!
Would you consider not paying rent in the months you are falling short? Have you and JS discussed how much JS has in his reserves and could cover in certain months? You are in a serious relationship and he has the mortgage covered whether or not you contribute to that.
his mortgage payments are astronomical due to the super high interest rates in canada. my rent basically helps cover condo fees, wifi, electricity etc. all of which I use and benefit from. I dont really see my rent as going towards the mortgage honestly… that said if I were in a tight spot where I didnt have the $875 to give him, I know he would cover me 🩷
Don’t get mad, but, can I come over and organize your money before you cash stuff your envelopes?? As an ex-banker, I can’t stress enough how annoying it was when people would deposit money and the bills were all going in different directions!! 😡😡. We had to have our bills face up all in the same order/direction. To this day, it still drives me crazy! It’s such a little thing but it helps a lot and looks so much nicer!
This is such a weird comment 😂 organize your own money and let people handle their money however they want.
@@Whatwouldjimmybuffetdo. My teller used to say the same to me lol. I started organizing my bills and now I get what she was saying. It is also more appealing on video to see the bills all going in one direction, and our money is pretty! It takes a second to do so no need to be rude to her comment.
@@LucyH8sFB Thank you! 😀❤️
Such a good purchase! PS lmao @ Doggy in the car 😆
Love your hair
I don't think anyone would say to invest before paying off credit cards!! Low interest dept maybe, but if your credit card is charging 20%+ interest, responsible investing is likely not going to out perform that! Pay off high interest debt!!
Your money is so pretty
I like that you take a break from cash budgeting.
The Christmas budget is So Smart !!! 😊
it helped me so much last year!!
Just curious as to why you’re wearing two watches?
one is a real watch and the other is a fitness tracker, it has no screen :)
New here ❤❤❤
hiiiiiii
omg girl! no wonder i've been drawn to watching your content. it takes a lot for me to really get on board with a channel. i'm palestinian american! yay to the Levantine girlieeess
I love that "progress over perfection". That is such a perfect outline for budgeting. 🥰💙
We went with a Honda CRV because we love the reliability of a Honda, but I almost got the Tiguan after having one as a rental. They are so nice!!
So glad you’re back but wow that month flew by! I feel like I just watched the vid of you saying you were going to be gone for a good bit of the month
honestly same 😂😂
❤
Where did you get those bags for your cash girl??
hiii! they are from The Line, heres a link: thelineshop.ca/products/custom-cash-envelopes?variant=42689857192186&sca_ref=2570300.MXguXLc3wq and code ZOE10 will save you 10% :)
This video is right on time for me 😭😭😭 I haven’t been wanting to look at my bank account cus I got off track.
New subscriber here, and I love your content. I purchased the leather folio and cash envelopes from The Line Shop. I’m a realtor, so my income can fluctuate monthly, and watching your videos has helped me learn how to budget and, most importantly, track my spending as an entrepreneur.
God bless, let Jesus into your life ❤️👍🙏 he will always bring peace
Guys, just set up a T account in excel. This is basic accounting. If you are seriously managing your budget with envelopes, you got bigger problems than you realize.
look into APPR, EU 261 and the Montreal Convention to see if you are eligible for compensation due to the flight cancellation! I know some people also successfully sue the airlines in small claims court - the new flight they booked you on doesn’t sound like it aligns with a “reasonable route” as indicated by the CTA guidelines
You’re so pretty! ❤
Queen of cash envelopes ✉️
best compliment 💖
Thank you and Congratulations!!
I wish the US had pretty colored money like Canada. Great reset!!!
Zoe, summer has been slow for a lot of industries other than travel. I work in healthcare sales and beginning in Q2 of the year things slowed down significantly. Once school is back in session (August/September here in the US), things usually pick back up!
I grew up in Burlington, went to school in Hamilton and Toronto Just moved to Ottawa area a few months ago. I appreciate you sharing this vlog! I hope to see more 🤗
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Doing much better not having those cravings for Starbucks for eating out, thanks for your help!
If Air canada gives you crap about refunding you, dispute it with your credit card, they will fight Air Canada for you.
AMAZING TIP THANK YOU!!!
Hi Zoe! Long time watcher but I don't think I've ever commented on a video, yet. Just wanted to share that I'm in the same boat for last month. I did NOT stick to any of my budgets, had to spend money for myself and my partner b/c he went on vacation the month prior and did not have money for himself the month of June, so I was paying for the both of us. It's been a roller coaster, but July is the month of redemption and keeping on track of my budget! My partner is paying me back as well so I can finally get my CCs back to 0 :) Love your videos and I hope we can continue keeping our shit together for the month of July lol.
Putting money in your investments before paying your credit card debt is actually terrible advice. It would only make sense if your investment returns were higher than your credit card interest which is unlikely. You're doing the right thing by paying off your credit cards first 🙂. Thanks for the video!
ive always thought this too!!!!!!
Yaaay love the money monthlys 💖💖 i hope you can get a refund on the tickets!!
The Month of May was Brutal and even part of June. I made a rebound back into concentrating onto my finances after talking to a mentor/finance coach (who actually does videos on youtube as well). Using Monarch to Budget more automated and some manual work, but definitely helped. Do you use credit card points to travel or just save through a sinking fund?
Zoe I’m so glad to see you again. You have so much energy, sometimes you just have to take the rest to restore your body. I love love finance videos.
Zoe I've been waiting for this video and I really really love all your recent vlogs so so so much you are looking too beautiful and I wish you have a gorgeous week ahead😭🥹💗✨
I don‘t know if that is mandatory in Canada (in germany it is), but please carry a first aid kit with you in the car.❤🤗
great idea!!!
Ahhhh another Zoe video, the perfect way to get myself out of bed on a Thursday 😅💕
yayyyyy 💗
I mean if you've moved out of ottawa and enjoyed other luxuries life provides you, of course you could say the not nicest things about ottawa but if you've lived here you whole life some of your options might not feel the best....our style not being the nicest or having the try, i try hard every day. The language and culture is inclusive I'm sorry if being called your boyfriends last name offends you... idk I was excited to watch this but about 11 mins in I was over it.... enjoy your stay at the most haunted hotel in ottawa...
i literally gushed about Ottawa this entire video? And the style thing is a long-running joke since growing up in Ottawa… I didn’t say it was my personal opinion.
I missed these type of budget update videos from you. Great Video 🥰
It was before Covid
See I had friends who went Air Canada and had a wonderful experience
Why is the Canadian Dollar so bad
I have to have all my bills faced the same way before they go into the envelopes. One of my quirks.
I live in the States but I heard that he’s not good
You can blame Justin Trudeau for Canadas situation