I always feel like her winks are just for me.

I just spent $23 on Taco Bell delivery because I didn't want to go pick it up, so...I'm watching this video.

Another “expense” to account for is an “emergency fund” that stays in savings. An emergency fund should be set up to cover your fixed expenses in the event that you can’t work for a period of time. CoVid made this clear to me that this emergency fund is necessary.

My very basic way of budgeting is: fixed/planned costs, groceries, eating out, needed things, and unneeded things. Really cut down on random purchases on once I saw how much I was spending on things i didn’t necessarily need.

the disclaimer at the opening was the best

Thank you for breaking things down in such a clear and straightforward way!

I already budget but it's great to see Lefie bringing her usual chill to a topic that's often stress-inducing. I budget on paper because it somehow feels more real and tangible. I have 'Fixed expenses', a set food budget for fresh food, pet supplies, an optional monthly allocation towards a bulk food order like meat from a local farm, and a small amount I can put towards a clothing item or craft supplies. that's basically it at the moment because I'm on such a tight budget but I'm not finding it stressful because, with a budget, I know the essentials are always covered :D

Hmm google sheets are good I use one for keeping track of my weekly spending, I can use it on the phone or the computer, and if you use a debit card for 90 % or more of you spending it is easy to track. I have an allocation for the cat of course! He's only little and dosen't cost much. Lefie, when you do get a cat I'll fall of the couch - and post that! :-) Love your work Steve

I'm just commenting for the algorithm.

Watching the video: "Wow this is really insightful!" Watching the video after reading the description: "Hair"

Also, don’t forget to look at your budget and decide clearly what are “needs” vs. “wants”. Then you can decide clearly where you have flex in your budget.

Your parents must be so proud of you, sheesh, I‘M proud of you!! Go, Lefie!! 👍👍👍

i would love if you did a video about the basics of investing. how to even get started using an easy app or website and what the important words or things you need to look out for mean.

I've always seen creating a budget as the same sort of idea as losing weight. A lot of people complicate it with fancy diets and intense workout routines that don't work for them in the long run, when really they just need to focus on what's coming in and what's going out. A simple and healthy diet paired moderate exercise goes a long way, and so does being aware of your income and your spending with a simple method like what you've outlined in this video.

I just love how you go to the point while being crystal clear

Thank you SO much for this video (and all of your videos). You make seemingly daunting tasks feel so simple and easy to tackle. It brings me back to center and helps me prioritize and strategize in a much more effective way!

Nice content Lefie! The first step to change is awareness 😁 I like how you broke it out here. I did this a few years ago and it has been helpful for me to manage my money.

Craaazy how i was just thinking about budgeting and this came up. Thank you!! For saying it so simply and informative way

great tips ! i love this approach of splitting the spending into flexible and optional. I will do that on my budget spread sheet. can't wait for the next video !!!

I've been recording my expenses for a while now but definitely was a journey! I didn't know how to handle money when I got my first job, was years and years of me just not knowing where my money was going. I loved the tip on how you organized the expenses, definitely going to use it!

Nice approach! I currently use the 6 jars/buckets system. 50% for needs (the fixed and flexible I guess, which is made easier as I'm still at my parents' but I plan on only moving out when I can live on 50% of my income), 10% for each of the following: donating/gifting, saving, investing, pleasure and extra education of some sort (books, extra courses, skillshare/masterclass, that sort of thing). Although some times I get impulsive, but the 10% dono is usually the first thing I do

Once again a side step from the norm! Normal advice given here ( on Tube) involving envelopes and lists of hundreds - calm and straightforward you have strong different approach! Brilliant! Just brilliant!

The three buckets idea is brilliant, thanks! 😄

Liked how you managed to make simple things people think that are complicated! In reality we should all be able to organise our budget if we follow a certain approach (like the one you presented here)! Thanks

Thanks Lefie! I've started to become more mindful of my expenses, and especially the amount that I'm saving. Definitely going to give this idea of listing all the expenses a go in my monthly review! ✌ Even though I've made significant changes from last year, I'm still running short on money every month, whoops!

Thanks for including us variable income folks!

I started tracking my spending this year with 3 categories- household (rent or apartment related costs like repairs) essential (groceries, hygiene/health stuff) and treats (everything else). I did it to show myself that I'm not really spending much at all. I tend to get stupid anxious about spending on anything beyond essentials- an attitude I developed while being chronically underpaid after college which, although I have a legit and well paid job now, I'm still working to shed. It's hard to strike the right balance between enjoying life now and preparing to be done with work as soon as possible to be free to focus on my own projects 100%... so long way of saying tracking spending works both ways- to reign in spending and to show yourself it's ok to spend on something extra if you're in the position to do so.

Thank you very much for this series. I am currently a student living off my parents money and I don’t have any capacities left next to my university stuff to get a job and with that more money. So for me the not-buying perspective is the only perspective I have right now.

I learned a lot, thanks for this video

I have a DENY DENY DENY budget. Due to this type of budget and a certain current situation, I only spend on necessities and not on stuff I think I need or want. This helped me to save a large amount of money, that came in handy a few days ago when my 5 yr old computer decides to break down. The DVD on it went first, then the built in mouse pad went next. I tried to use an external mouse, but it did not appear to be a good solution. After thinking the situation through, decided the expense of getting a new computer was worth the effort. Surprisedly still have considerable amount of funds, and will continue to follow through with my DENY DENY DENY budget.

yes lefie, give me financial advice, i'm here for it, YES!!!!!!!

Thanks for this 👍

I didn’t see the hair on your shoulder until you mentioned it. Damn it!

How do you keep reading my thoughts?? Thank you for the video. You’re my best friend!

for the grocery and food we set a monthly budget not to be exceeded and if there is any left we place it in an account that earns little but whose money is available immediately. once the interest has been given by the bank we use it or to supplement the vacation budget or to buy us something that will make us happy or we leave it at the bank

Btw, I can recommend Notion a lot for doing things like this! Because you can make different views for your database it makes it so much easier to see what's going on! Hopefully they'll include graphs and such as well some day 🤞

"(Please ignore the hair on my right shoulder... Once you see it, you can't unsee it.) " me, watching in 144p: mwah hah hah.........

I know you're not a fan of labels (and normally me neither), but I can't stop wondering what MBTI type you might have? You're very inspiring, keep up the good work!

👏🏼✌🏼❤🙏🏽

Feeling more secure in my side part now! Fantastic content as always ♥️

30 years ahead of you 😁

A few years ago after getting out of university I realized I wasn't really saving any money. So I started throwing chunks of money into a savings account each paycheck and not touching it unless there was an emergency. Like breaking the laptop I needed for school. I've lowered my expenses and reduced the amount of wants I buy. So I second hand shop, borrow library books, and just don't buy as much stuff as I used to. I'm still horrible about getting take out though. That I need to work on.

The first thing people need to do is look at what makes them feel safe, comfortable, or pampered. Consider why they like these things. This will make confronting that aspect easier when they get down to the numbers. Budgeting won’t make a difference to many unless they visually consider something other than rules. Budget = rules Absolutely, it’s about values.

Hello Lefie 😊 . I'm always excited for your videos on Sunday. I'm definitely going to try some of these best practices 🤓. Have a great week 😉

pay yourself first. save first....like on payday. most people save whats left after spending, i spend whats left after saving. once you’ve dialled this in, you can gradually increase the amount you save.

I wouldn’t have noticed the hair if you didn’t mention it lol See you next week 👍

Et voilá! 😉

*taking notes*

And also my biggest hobby are plants, they give me so much joy. I don’t buy clothes, shoes, jewelry, makeup, tech stuff etc. Only plants stuff. Would you then make a monthly budget for that hobby, Bc making 0 room for it just to save more takes so much joy from me :( so I thought just planning 40€ to give me freedom for it would be a good option. Sometimes there are no plants on my wishlist anyways so then I can save it or add it to my plant budget. What would you do?

I watch just for the wink

Lefie can you do a wardrobe tour?

Thank you for this. :)

👍👍

Enable the subtitles please!

I spend nothing on subscriptions. 1/3rd goes on bills at my parents place. 1/3 is for food. And the rest is either savings or occasional treats such as actually paying public transport, drinks, sweets or gifts. So yeah. Seems like there is no room left for cutting on expenses. So how do I expand the room? Make a video on it, but: do not reccomend moving away or finding a better job. I challenge you. Good luck! And thanks for the vids.

What do you recommend for people that have a normal income from a 9 to 5 and are making money on the side with varies from 0 a month to 300. I sell handmade things on a small Plattform, sometimes I make a few hundred, sometimes I have two months without any orders. Would you use the average, I mean lowest makes no sense cause it’s 0, or maybe the median? Bc i think the median could make more sense right? Love your vids 🥰

It’s safe to assume that the bulk of your watchers all make that click sound with you at the end. :)

Did. you light your Hair By hairdresser? Looking Good

I have a budget...don't spend money. But something always comes up and I end up spending it all. 🤷🏻‍♂️

😊

Wonderful video! Question, what's your website for? :)

Tell me does she not own us with the outro?

what the fuck Lefie I just subscribed to you like a couple weeks ago and I’ve been reeeally getting into budgeting this past week and I just saw this… are you reading my mind

Talk about Bitcoin

Hi. Lefe. Love. Your. Videos. Do. You. Not. Have. To do. Laundry. Every. Week. Cuz. Of. Wearing. The. Same. Clothes. Everyday. Just. Wondering. How. You. Do. That

why dont u put captions on ur videos anymore :| auto captions suck but theyre better than nothing

i'm 18, not in a western country where living with ur parents is societally frowned upon so i just literally save up my entire month's sallery and don't buy anything.

Hello there!